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	<title>Kimberly J. Howard, CFP®  Blog</title>
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	<description>Financial Planning Information</description>
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		<title>Kimberly J. Howard, CFP®  Blog</title>
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		<title>Your Individual Retirement Account</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/08/27/your-individual-retirement-account/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/08/27/your-individual-retirement-account/#comments</comments>
		<pubDate>Sat, 27 Aug 2011 13:45:00 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Roth RA]]></category>
		<category><![CDATA[Traditional IRA]]></category>
		<category><![CDATA[invest]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[retire]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Roth]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=229</guid>
		<description><![CDATA[An Individual Retirement Account (IRA) is a great retirement savings tool for most individuals. Created by the federal government, IRAs can be funded during your working years.  During retirement, IRAs may help supplement your Social Security benefits. Your retirement savings can begin with your annual IRA contribution. If you are under age 50, the current [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=229&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">Savings</media:title>
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	</item>
		<item>
		<title>Take a Poll on: Why Hire a CFP?</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/08/04/201/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/08/04/201/#comments</comments>
		<pubDate>Thu, 04 Aug 2011 20:25:59 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Financial Planning Professional]]></category>
		<category><![CDATA[cfp]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=201</guid>
		<description><![CDATA[<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=201&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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		<title>Why The Worst Decade of Inflation is Fast Approaching</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/07/25/why-the-worst-decade-of-inflation-is-fast-approaching/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/07/25/why-the-worst-decade-of-inflation-is-fast-approaching/#comments</comments>
		<pubDate>Mon, 25 Jul 2011 17:30:29 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[General Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=152</guid>
		<description><![CDATA[According to statistics from the U.S Global Investors, there was $4.2 trillion growth estimated in the GDP from 2000 to 2007. During this period the total debt of the credit market swelled by $21.3 trillion. It means that with every $1 rise in GDP, the debt amount bounced by $5. As a result, $1 debt [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=152&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">Inflation</media:title>
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		<item>
		<title>4 Ways to Use Your Money Wisely</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/06/28/4-ways-to-use-your-money-wisely/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/06/28/4-ways-to-use-your-money-wisely/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 14:23:22 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[emergency funds]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=139</guid>
		<description><![CDATA[You can manage your personal finances by utilizing your hard earned money in a proper way. You have to save money to cement a lucrative lifestyle and eliminate your financial woe. If you are struggling to pay off your debts then you can enroll in a debt management program to attain financial liberty. In this [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=139&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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		<media:content url="http://kjhfinancialservices.files.wordpress.com/2011/06/money.jpg?w=150" medium="image">
			<media:title type="html">Money</media:title>
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		<item>
		<title>7 Tips About Short-Term Personal Loan</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/03/28/7-tips-about-short-term-personal-loan/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/03/28/7-tips-about-short-term-personal-loan/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 14:26:34 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=118</guid>
		<description><![CDATA[If you are having temporary cash crunches and are in need of some quick cash to deal with it, you can consider short term personal loan as a viable option. Make sure you have a good credit history, payments track records and assets to use as collateral before you apply for a short-term personal loan. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=118&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://kjhfinancialservices.wordpress.com/2011/03/28/7-tips-about-short-term-personal-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">Loan</media:title>
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	</item>
		<item>
		<title>How Money Works in Mutual Funds</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/03/23/how-money-works-in-mutual-funds/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/03/23/how-money-works-in-mutual-funds/#comments</comments>
		<pubDate>Wed, 23 Mar 2011 23:22:28 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Mutual Funds]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=107</guid>
		<description><![CDATA[Mutual fund is an investment policy where collective schemes are employed and managed by a fund manager. The investor enrolls in a mutual fund company with the hope of getting a profitable return at the end. These investment tools may be stock, bond, and other market instrument. The fund manager’s decision of the sales and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=107&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1ab22d29ced2b2623913ee2dd225d53c?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">KJH Financial Services</media:title>
		</media:content>

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			<media:title type="html">Mutual Funds </media:title>
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		<item>
		<title>4 Ways To Increase Your Wealth With Your Credit Score</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/02/15/4-ways-to-increase-your-wealth-with-your-credit-score/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/02/15/4-ways-to-increase-your-wealth-with-your-credit-score/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 14:43:19 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Credit Score]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=83</guid>
		<description><![CDATA[Your credit score can definitely help you to increase your wealth and make your financial life secure in future. If you go through the previous records you will see, people with good credit scores are always regarded as safe consumers by everyone including finance companies, auto lenders, credit card companies, banks, landlords, and utility service [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=83&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://kjhfinancialservices.wordpress.com/2011/02/15/4-ways-to-increase-your-wealth-with-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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		<media:content url="http://kjhfinancialservices.files.wordpress.com/2011/02/credit-score-small.jpg?w=111" medium="image">
			<media:title type="html">Credit Score small</media:title>
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		<item>
		<title>8 Ways To Reduce Your Debt Loads</title>
		<link>http://kjhfinancialservices.wordpress.com/2011/02/02/8-ways-to-reduce-your-debt-loads/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2011/02/02/8-ways-to-reduce-your-debt-loads/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 18:30:48 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Debt Management]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=61</guid>
		<description><![CDATA[We all know that through proper budgeting and practical living we can eliminate or at least ease our debt loads. But do you know appropriate financial strategies can change your entire financial life and turn your unmanageable debt loads into future wealth and security. Here are a few tips which can be an immense help [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=61&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
		<media:content url="http://1.gravatar.com/avatar/1ab22d29ced2b2623913ee2dd225d53c?s=96&#38;d=identicon&#38;r=G" medium="image">
			<media:title type="html">KJH Financial Services</media:title>
		</media:content>

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			<media:title type="html">Debt small</media:title>
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		<item>
		<title>New Year’s Financial Resolutions</title>
		<link>http://kjhfinancialservices.wordpress.com/2010/12/27/new-year%e2%80%99s-financial-resolutions/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2010/12/27/new-year%e2%80%99s-financial-resolutions/#comments</comments>
		<pubDate>Mon, 27 Dec 2010 18:20:40 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[401k]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[General Financial Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=49</guid>
		<description><![CDATA[It is that time of the year again to make your New Year’s resolutions! Each year most people decide on a number of changes to make for the coming year. How about including your financial life in this year’s resolutions. Let’s take a look at some ideas. Investigate 401k Employer Matching Contributions:  Most 401k plans [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=49&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">KJH Financial Services</media:title>
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			<media:title type="html">New Years</media:title>
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		<title>Holiday Spending and Debt</title>
		<link>http://kjhfinancialservices.wordpress.com/2010/12/12/holiday-spending-and-debt/</link>
		<comments>http://kjhfinancialservices.wordpress.com/2010/12/12/holiday-spending-and-debt/#comments</comments>
		<pubDate>Sun, 12 Dec 2010 16:51:29 +0000</pubDate>
		<dc:creator>Kimberly Howard, CFP®, CRPC®</dc:creator>
				<category><![CDATA[Budgeting]]></category>

		<guid isPermaLink="false">http://kjhfinancialservices.wordpress.com/?p=38</guid>
		<description><![CDATA[Are you ready for the holiday rush and buying spree? Traditionally, the holidays bring us a time of sharing and giving. But the cost of giving has increased over the years and you need to be aware of the burden it could put on your financial situation. With the change in most individual’s financial situation [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=kjhfinancialservices.wordpress.com&amp;blog=12247112&amp;post=38&amp;subd=kjhfinancialservices&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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			<media:title type="html">Piggy Bank </media:title>
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