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	<title>JPH Advisory Group&#187; Jon P. Houk, CFP</title>
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	<description>Fee-Only Financial Planner, Atlanta</description>
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		<title>Could US Issues Lead Investors to Emerging Markets?</title>
		<link>http://jphadvisory.com/could-us-issues-lead-investors-to-emerging-markets/</link>
		<comments>http://jphadvisory.com/could-us-issues-lead-investors-to-emerging-markets/#comments</comments>
		<pubDate>Wed, 23 Oct 2013 10:31:58 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[emerging markets]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[shut down]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2882</guid>
		<description><![CDATA[Below is an article written by Mark Mobius, who is considered the Dean of emerging market investments. He was the manager of the first publicly traded emerging market fund that I was aware of in the late 80’s, and I have continued to invest with him over the years. Mark gives a unique perspective on the U.S. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Absolutely Everything about the Government Shutdown</title>
		<link>http://jphadvisory.com/absolutely-everything-about-the-government-shutdown/</link>
		<comments>http://jphadvisory.com/absolutely-everything-about-the-government-shutdown/#comments</comments>
		<pubDate>Tue, 01 Oct 2013 19:42:57 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[In The News]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2849</guid>
		<description><![CDATA[As most of you know by now, the government officially shutdown this morning at 12:01am. Below is an article that was in the Washington Post that I think gives an unbiased approach (which has been difficult to find) to what happens when the government gets “shut down” or in this case, “slows down”. I&#8217;m sure [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Health-Care Overhaul: What You Need to Know</title>
		<link>http://jphadvisory.com/the-health-care-overhaul/</link>
		<comments>http://jphadvisory.com/the-health-care-overhaul/#comments</comments>
		<pubDate>Mon, 23 Sep 2013 18:36:11 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[Risk Management]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2787</guid>
		<description><![CDATA[When the Patient Protection and Affordable Care Act, commonly known as ObamaCare, passed in 2010, it became clear things were about to change for several classes of people. We believed that this new law was going to hurt high-income individuals by imposing higher taxes, and inversely help lower-income individuals through health insurance subsidies. It also [...]]]></description>
		<wfw:commentRss>http://jphadvisory.com/the-health-care-overhaul/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial Crisis: Lessons of the Rescue, A Drama in Five Acts</title>
		<link>http://jphadvisory.com/financial-crisis-lessons-of-the-rescue-a-drama-in-five-acts/</link>
		<comments>http://jphadvisory.com/financial-crisis-lessons-of-the-rescue-a-drama-in-five-acts/#comments</comments>
		<pubDate>Thu, 12 Sep 2013 21:05:27 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2756</guid>
		<description><![CDATA[Although the government had already bailed out Bear Stearns, Fannie and Freddie earlier that year, it was September 14th, 2008 when Lehman Brothers declared bankruptcy and the global financial panic began. That means that exactly five years ago this week, we entered the defining recession of our generation. So, I thought this would be a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Should Minimum Wage Be?</title>
		<link>http://jphadvisory.com/what-should-minimum-wage-be/</link>
		<comments>http://jphadvisory.com/what-should-minimum-wage-be/#comments</comments>
		<pubDate>Mon, 26 Aug 2013 14:52:09 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[In The News]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2722</guid>
		<description><![CDATA[I am hesitant to post this article because minimum wage is a lightening rod of controversy. Whether you think minimum wage should be higher, lower or non-existent, this article presents some data points that I was not aware of until I read it. Unfortunately, our politicians and government cherry pick data all the time to make [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Second Quarter 2013 Newsletter</title>
		<link>http://jphadvisory.com/second-quarter-2013-newsletter/</link>
		<comments>http://jphadvisory.com/second-quarter-2013-newsletter/#comments</comments>
		<pubDate>Wed, 24 Jul 2013 17:16:25 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[Quarterly Investment Newsletters]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2606</guid>
		<description><![CDATA[Second Quarter 2013 Key Takeaways &#8211;  Federal Reserve policy has been a significant force driving market performance over the past few years and this was especially true during the second quarter as investors reacted to comments from Fed policymakers indicating the Fed might begin reducing its bond buying program sooner than had been expected. Against [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s Really Immoral About Student Loans</title>
		<link>http://jphadvisory.com/whats-really-immoral-about-student-loans/</link>
		<comments>http://jphadvisory.com/whats-really-immoral-about-student-loans/#comments</comments>
		<pubDate>Mon, 01 Jul 2013 19:19:36 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[College Planning]]></category>
		<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2522</guid>
		<description><![CDATA[As someone that will have three children in college in the fall, I am, as you can imagine, quite sensitive to the rising cost of higher education. In the news today, Congress is debating whether to allow interest rates on student loans to go up, but  I would argue that is not the real issue&#8211;the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What is the Outlook for the Markets?</title>
		<link>http://jphadvisory.com/what-is-the-outlook-for-the-markets/</link>
		<comments>http://jphadvisory.com/what-is-the-outlook-for-the-markets/#comments</comments>
		<pubDate>Tue, 25 Jun 2013 20:28:56 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2481</guid>
		<description><![CDATA[As our clients know, in regards to the markets, I am fond of saying, &#8220;I don&#8217;t know the future, but I’m sure they will go up and down.&#8221; That statement does not exactly inspire confidence in our investment abilities. However, the good news is that I do not need to know the future in order to [...]]]></description>
		<wfw:commentRss>http://jphadvisory.com/what-is-the-outlook-for-the-markets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s Your Household Debt Level?</title>
		<link>http://jphadvisory.com/whats-your-household-debt-level/</link>
		<comments>http://jphadvisory.com/whats-your-household-debt-level/#comments</comments>
		<pubDate>Wed, 19 Jun 2013 15:13:51 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2440</guid>
		<description><![CDATA[The Federal Reserve recently released their quarter-end data, including an interesting ratio outlaying Total Household Debt to Annual After-Tax Income, as shown in the chart below. For the first time since 2002, the average American household held a 106% debt to income ratio, down considerably from the 131% debt to income level in 2007. This [...]]]></description>
		<wfw:commentRss>http://jphadvisory.com/whats-your-household-debt-level/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Volatility Isn&#8217;t the Enemy</title>
		<link>http://jphadvisory.com/volatility-isnt-the-enemy/</link>
		<comments>http://jphadvisory.com/volatility-isnt-the-enemy/#comments</comments>
		<pubDate>Thu, 13 Jun 2013 19:23:35 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2420</guid>
		<description><![CDATA[Below is an article on risk and volatility and I think it is a great reminder for our clients that risk and volatility need to be thought of as separate items. Volatility is how much the your stock or the markets went down last week or last quarter. Risk the chance you have of losing [...]]]></description>
		<wfw:commentRss>http://jphadvisory.com/volatility-isnt-the-enemy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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