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	<title>JPH Advisory Group&#187; Curtis Hearn, MBA, CFP</title>
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	<link>http://jphadvisory.com</link>
	<description>Fee-Only Financial Planner, Atlanta</description>
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		<title>5 Little-Known Tax Traps for Investors</title>
		<link>http://jphadvisory.com/5-little-known-tax-traps-for-investors/</link>
		<comments>http://jphadvisory.com/5-little-known-tax-traps-for-investors/#comments</comments>
		<pubDate>Mon, 04 Nov 2013 21:49:06 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[gold]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2870</guid>
		<description><![CDATA[The tax code can be a dizzying place for investors, fraught with tax traps set to trip up the everyday investor. Here are a few of the most common tax mistakes we see ordinary investors making: Capturing short-term gains - Realized gains on stocks/bonds held more than a year get better tax treatment. Long-term capital [...]]]></description>
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		<title>Watch Out for Tricky IRA Rules</title>
		<link>http://jphadvisory.com/watch-out-for-tricky-ira-rules/</link>
		<comments>http://jphadvisory.com/watch-out-for-tricky-ira-rules/#comments</comments>
		<pubDate>Fri, 18 Oct 2013 13:00:32 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Financial Independence / Retirement]]></category>
		<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2808</guid>
		<description><![CDATA[Recently, a stock broker gave some bad advice that (could have) cost our client thousands of dollars. Let me explain&#8230; I&#8217;m sure that when Congress designed the relatively simple idea of an Individual Retirement Account (IRA) in 1974, they had no idea how complicated it would become over the next 40 years. Fast forward to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Jon Houk named a Five Star Advisor</title>
		<link>http://jphadvisory.com/jph-five-star-advisor/</link>
		<comments>http://jphadvisory.com/jph-five-star-advisor/#comments</comments>
		<pubDate>Wed, 28 Aug 2013 09:24:54 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[JPH Advisory Group]]></category>

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		<description><![CDATA[Jon Houk has been named as a Five Star Advisor in Atlanta Magazine for the fifth year in a row! Atlanta Magazine and Five Star Professional have partnered up to find wealth managers who satisfied 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Jon [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Why Are Our Healthcare Costs So, So High?</title>
		<link>http://jphadvisory.com/why-are-our-healthcare-costs-so-so-high/</link>
		<comments>http://jphadvisory.com/why-are-our-healthcare-costs-so-so-high/#comments</comments>
		<pubDate>Tue, 27 Aug 2013 21:08:48 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[healthcare]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2732</guid>
		<description><![CDATA[I ran across the following statistics recently that I find simply amazing. It&#8217;s not news that the US spends more money on healthcare costs than other developed nations, but this data puts into perspective just how much more. &#160; To give just a few examples: a routine office visit in the US costs roughly three [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to Graduate Debt Free</title>
		<link>http://jphadvisory.com/how-to-graduate-debt-free/</link>
		<comments>http://jphadvisory.com/how-to-graduate-debt-free/#comments</comments>
		<pubDate>Tue, 20 Aug 2013 14:21:08 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[529]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[planning for college]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2704</guid>
		<description><![CDATA[As we have conversations with clients about the high cost of sending their kids to college, one of the things we try to point out is that if you are willing to work at it, there are ways to drastically cut the &#8220;ticker price&#8221; of a college education. If you are willing to go in-state, [...]]]></description>
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		<title>It&#8217;s Midnight&#8230;What is Your Mutual Fund Up To?</title>
		<link>http://jphadvisory.com/its-midnight-what-is-your-mutual-fund-up-to/</link>
		<comments>http://jphadvisory.com/its-midnight-what-is-your-mutual-fund-up-to/#comments</comments>
		<pubDate>Fri, 02 Aug 2013 19:59:49 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[JPH Advisory Group]]></category>
		<category><![CDATA[mutual funds]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2638</guid>
		<description><![CDATA[I&#8217;m sure most parents of teenagers can relate to this scenario: it&#8217;s a quarter-past midnight, and curfew was at ten. Your teenager hasn&#8217;t called to say he&#8217;s okay, much less hurriedly sneaked in the backdoor. As a parent, you are understandably worried; a thousand worried thoughts are rolling through your mind. In a similar (although [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Is Your Mutual Fund Over-charging You?</title>
		<link>http://jphadvisory.com/is-your-mutual-fund-over-charging-you/</link>
		<comments>http://jphadvisory.com/is-your-mutual-fund-over-charging-you/#comments</comments>
		<pubDate>Fri, 19 Jul 2013 21:09:16 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[active]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[passive]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2588</guid>
		<description><![CDATA[Recently, a new study has been published by Yale University&#8217;s Antti Petajisto that is designed to measure how much a mutual fund&#8217;s holdings match a benchmark index (such as the S&#38;P 500, for example.) Funds that deliberately track the holdings of an index are called an &#8220;index funds,&#8221; an investing strategy is known as &#8220;passive [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Rates Rise</title>
		<link>http://jphadvisory.com/mortgage-rates-rise/</link>
		<comments>http://jphadvisory.com/mortgage-rates-rise/#comments</comments>
		<pubDate>Thu, 27 Jun 2013 18:58:50 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2511</guid>
		<description><![CDATA[Last week, Fed chairman Ben Bernanke&#8217;s comments about potentially reducing it&#8217;s bond buying program (aka QE3), produced a sell-off in the bond market which subsequently drove mortgage rates about 1/2% higher. It was the largest one-week move since 2008. Here&#8217;s Greg McBride from Bankrate.com with more detail: BankRate.com Mortgage Update]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should Your Teenager Get a Summer Job?</title>
		<link>http://jphadvisory.com/should-your-teenager-get-a-summer-job-2/</link>
		<comments>http://jphadvisory.com/should-your-teenager-get-a-summer-job-2/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 18:02:35 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[planning for college]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2414</guid>
		<description><![CDATA[source: SATprepaventura.com Recently, Jon Houk had a discussion with a client about planning for college for high school age teenagers, and since Jon has three college age kids of his own, you might say he speaks from some personal experience. One of the things he suggested was to look at doing SAT prep work in the summers. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Importance of Saying No</title>
		<link>http://jphadvisory.com/the-importance-of-saying-no/</link>
		<comments>http://jphadvisory.com/the-importance-of-saying-no/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 13:28:12 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[Financial Independence / Retirement]]></category>
		<category><![CDATA[In The News]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2396</guid>
		<description><![CDATA[There&#8217;s an interesting article today in ESPN the Magazine about Pittsburg Steeler&#8217;s all-star safety Troy Polamalu. Polamalu appears to be  unique in the world of professional athletes, because he may actually be on the road to true financial independence. We all know becoming a a successful athlete is one of the quickest ways to a high [...]]]></description>
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