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	<title>JPH Advisory Group&#187; In The News</title>
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	<link>http://jphadvisory.com</link>
	<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>
		<wfw:commentRss>http://jphadvisory.com/absolutely-everything-about-the-government-shutdown/feed/</wfw:commentRss>
		<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>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>
		</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>
		</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>
		</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>
		<wfw:commentRss>http://jphadvisory.com/the-importance-of-saying-no/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Financial Tax Fails in Europe</title>
		<link>http://jphadvisory.com/new-financial-tax-fails-in-europe/</link>
		<comments>http://jphadvisory.com/new-financial-tax-fails-in-europe/#comments</comments>
		<pubDate>Mon, 29 Apr 2013 14:54:41 +0000</pubDate>
		<dc:creator>Jon P. Houk, CFP</dc:creator>
				<category><![CDATA[In The News]]></category>
		<category><![CDATA[Tax Planning]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2323</guid>
		<description><![CDATA[I want to highlight a recent story about a tax experiment going on in Europe, because it&#8217;s a classic example of the disconnect between tax projections and actual reality. Real life tax policy doesn&#8217;t occur in a vacuum; instead, people change their behavior whenever new taxes are introduced. Hungary, France, and Italy have all implemented [...]]]></description>
		<wfw:commentRss>http://jphadvisory.com/new-financial-tax-fails-in-europe/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The State of the 401k</title>
		<link>http://jphadvisory.com/the-state-of-the-401k/</link>
		<comments>http://jphadvisory.com/the-state-of-the-401k/#comments</comments>
		<pubDate>Wed, 10 Apr 2013 17:27:16 +0000</pubDate>
		<dc:creator>Curtis Hearn, MBA, CFP</dc:creator>
				<category><![CDATA[Financial Independence / Retirement]]></category>
		<category><![CDATA[In The News]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://jphadvisory.com/?p=2233</guid>
		<description><![CDATA[Every year, the Plan Sponsor Council of America publishes a study on the state of retirement plans in the US. Here are some interesting highlights from their most recent study: The average plan has approximately 60.6 percent of assets invested in equities Companies contribute (including matching) an average of 4.1% of participant&#8217;s pay 1.8% of participants [...]]]></description>
		<wfw:commentRss>http://jphadvisory.com/the-state-of-the-401k/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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