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	<title>JPH Advisory Group&#187; Debt / Cash-flow</title>
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	<link>http://jphadvisory.com</link>
	<description>Fee-Only Financial Planner, Atlanta</description>
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		<title>The Post-Crisis Money Rules</title>
		<link>http://jphadvisory.com/the-post-crisis-money-rules/</link>
		<comments>http://jphadvisory.com/the-post-crisis-money-rules/#comments</comments>
		<pubDate>Tue, 12 Nov 2013 16:50:26 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2946</guid>
		<description><![CDATA[Below is an article that was in the Wall Street Journal a couple weeks ago regarding what we have learned since the financial crisis. I believe these are timeless rules regardless if you are pre or post-financial crisis. If you follow these 6 rules, you have a much greater likelihood of financial success over the long term. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>
		</item>
		<item>
		<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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		<slash:comments>0</slash:comments>
		</item>
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		<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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		<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>
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		<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>
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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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		<slash:comments>0</slash:comments>
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		<title>Another Way to Maximize Social Security</title>
		<link>http://jphadvisory.com/another-way-to-maximize-social-security/</link>
		<comments>http://jphadvisory.com/another-way-to-maximize-social-security/#comments</comments>
		<pubDate>Wed, 05 Jun 2013 20:20:16 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[Financial Independence / Retirement]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2370</guid>
		<description><![CDATA[Deciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement because the age at which you apply for benefits will affect the amount you&#8217;ll receive. If you&#8217;re married, this decision can be especially complicated because you and your spouse will need to plan together, taking into account the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Increase Your Social Security by Over $100k</title>
		<link>http://jphadvisory.com/how-to-increase-your-social-security-by-over-100k/</link>
		<comments>http://jphadvisory.com/how-to-increase-your-social-security-by-over-100k/#comments</comments>
		<pubDate>Fri, 31 May 2013 19:57:58 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[Financial Independence / Retirement]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2361</guid>
		<description><![CDATA[Of course, with a title like that, this post is going to generate some interest and probably some healthy skepticism. But before I get accused of stretching the truth, let me just say that we recently discussed this strategy with a couple that, once implemented, is projected to increase their cumulative lifetime draw from Social [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>The Problem with Bonds</title>
		<link>http://jphadvisory.com/the-problem-with-bonds/</link>
		<comments>http://jphadvisory.com/the-problem-with-bonds/#comments</comments>
		<pubDate>Fri, 01 Mar 2013 21:26:42 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Debt / Cash-flow]]></category>
		<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=1772</guid>
		<description><![CDATA[At some point in the last several years, most of our clients have heard us say that the bond market will produce lower-than-average returns going forward. The historic return on traditional, high quality bonds in the U.S. has averaged around 5-6% for the last 80+ years. However, we expect returns to be much lower than that over the near term (the next 3 [...]]]></description>
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		<slash:comments>0</slash:comments>
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