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   <title> The Financial Choices Blog </title>
   <link>http://www.financial-choices-matter.com/financial-blog.html</link>
   <description>The Financial Choices Blog keeps you up-to-date with all additions and changes to the financial-choices-matter.com Web site. Subscribe here.</description>
   <language>en-us</language>
   <category domain = "http://www.financial-choices-matter.com/financial-blog.html#">financial</category>
   <pubDate>Thu, 20 Nov 2008 22:11:21 GMT</pubDate>
   <lastBuildDate>Thu, 20 Nov 2008 22:11:21 GMT</lastBuildDate>
   <copyright>financial-choices-matter.com</copyright>
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    <title>Affordable Term Life Insurance Is The Most Economical Way To Adequately Protect </title>
    <link>http://www.financial-choices-matter.com/affordable-term-life-insurance.html</link>
    <description>The high cost of some life insurance policies can limit your ability to adequately protect your family.  Find out how affordable term life insurance can solve that problem.  Learn more.</description>
    <pubDate>Thu, 20 Nov 2008 22:11:21 GMT</pubDate>
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    <title>Are Todays Personal Financial Choices Costing You A Quality Retirement?</title>
    <link>http://www.financial-choices-matter.com/financial-choices.html</link>
    <description>Too many wait until retirement to find out.  Todays personal financial choices directly impact your future retirement opportunity.</description>
    <pubDate>Thu, 09 Oct 2008 17:09:13 GMT</pubDate>
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    <title>Personal Financial Choices Matter.  How Confident Are You?</title>
    <link>http://www.financial-choices-matter.com/index.html</link>
    <description>Are you confident about your personal financial choices?  Do you understand their ultimate impact on you?</description>
    <pubDate>Wed, 10 Sep 2008 02:42:17 GMT</pubDate>
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    <title>Child Life Insurance.  Do You Need It?</title>
    <link>http://www.financial-choices-matter.com/child-life-insurance.html</link>
    <description>The need for child life insurance is sometimes not clear.  Should they be covered?  If so... how much coverage is enough?  Learn more here. </description>
    <pubDate>Fri, 01 Aug 2008 19:23:43 GMT</pubDate>
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    <title>Use A Budget To Decrease Risk And Increase Opportunity.</title>
    <link>http://www.financial-choices-matter.com/a-budget.html</link>
    <description>Without a budget you are accepting the &quot;risk of unawareness&quot;.  Without a budget you are overlooking a tremendous &quot;opportunity&quot;.  That doesn&#39;t sound very smart does it?  Learn more.</description>
    <pubDate>Fri, 01 Aug 2008 16:28:37 GMT</pubDate>
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    <title>Diversified Investments?  Are You Diversified Enough?</title>
    <link>http://www.financial-choices-matter.com/diversified-investments.html</link>
    <description>Diversified investments reduce risk and increase opportunity.  Far too often... individual investment portfolios are too narrowly diversified.  Are you diversified enough?  Learn more.</description>
    <pubDate>Thu, 31 Jul 2008 17:39:10 GMT</pubDate>
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    <title>Consumer Debt Is Costly.</title>
    <link>http://www.financial-choices-matter.com/consumer-debt.html</link>
    <description>Perhaps too costly.  How costly is your consumer debt?  You really need to know.  The real cost may surprise you.</description>
    <pubDate>Wed, 18 Jun 2008 20:09:40 GMT</pubDate>
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    <title>You Need A Roth IRA.</title>
    <link>http://www.financial-choices-matter.com/roth-ira.html</link>
    <description>Why do you need a roth ira?  Using a roth IRA helps to prevent being totally molested by the IRS in retirement.  And that&#39;s not all.</description>
    <pubDate>Thu, 22 May 2008 02:28:48 GMT</pubDate>
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    <title>Retirement Savings Accounts.  Are You Familiar With The Various Types?</title>
    <link>http://www.financial-choices-matter.com/retirement-savings-accounts.html</link>
    <description>Furthermore... Do you understand the difference between retirement savings accounts and non retirement savings accounts?  Far too many people... sort of understand.  Learn more. </description>
    <pubDate>Wed, 21 May 2008 16:04:16 GMT</pubDate>
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    <title>Do You Consider Index Investing To Be Truly Superior To Active Fund Management?</title>
    <link>http://www.financial-choices-matter.com/index-investing.html</link>
    <description>Index investing is very popular... primarily for two reasons.  But are these two reasons... reason enough?  You really need to know more.</description>
    <pubDate>Tue, 22 Apr 2008 20:08:28 GMT</pubDate>
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    <title>Debt Elimination Makes Financial Freedom Much More Likely.</title>
    <link>http://www.financial-choices-matter.com/DebtElimination.html</link>
    <description>Debt elimination will become a primary goal only when you understand the true cost of debt. Debt elimination leads the way to financial freedom. Find out how much it matters.</description>
    <pubDate>Mon, 14 Apr 2008 16:23:13 GMT</pubDate>
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    <title>Should You Use Debt Consolidation To Relieve Your Consumer Debt?</title>
    <link>http://www.financial-choices-matter.com/debt-consolidation.html</link>
    <description>The truth may surprise you.  Debt consolidation can actually cost you money.  And debt consolidation may ultimately be... financially dangerous.  Learn more.</description>
    <pubDate>Wed, 09 Apr 2008 21:19:22 GMT</pubDate>
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    <title>Long Term Health Care Must Be Part Of Any Truly Comprehensive Financial Strategy</title>
    <link>http://www.financial-choices-matter.com/long-term-health-care.html</link>
    <description>Is long term health care part of your comprehensive financial strategy?  If not... how likely is it to ruin your well conceived financial plan?</description>
    <pubDate>Sun, 06 Apr 2008 15:38:44 GMT</pubDate>
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    <title>Legal Insurance.  Can You Really Afford To Be Without It?</title>
    <link>http://www.financial-choices-matter.com/legal-insurance.html</link>
    <description>Should Legal insurance be part of your comprehensive protection management strategy?  Learn more.</description>
    <pubDate>Tue, 04 Mar 2008 03:59:44 GMT</pubDate>
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    <title>Periodically Rebalancing Your Investment Allocation Is Crucial. </title>
    <link>http://www.financial-choices-matter.com/rebalancing.html</link>
    <description>Periodic portfolio rebalancing helps reduce risk and improve performance.  Find out how and why.</description>
    <pubDate>Sun, 17 Feb 2008 00:37:00 GMT</pubDate>
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    <title>Multiple Portfolio Holdings Reduce Risk And Increase Opportunity.</title>
    <link>http://www.financial-choices-matter.com/portfolio-holdings.html</link>
    <description>So what about the mix of your portfolio holdings... how many different baskets are your eggs in?  One or two stocks?  One or two funds?  One or two bonds?  How lucky do you feel?  Learn more.</description>
    <pubDate>Thu, 14 Feb 2008 17:31:09 GMT</pubDate>
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    <title>Life Insurance.  Do You Understand The Need?  Do You Have Enough?</title>
    <link>http://www.financial-choices-matter.com/Life-Insurance.html</link>
    <description>Life insurance is tangible evidence of your love for your family.  Don&#39;t delay getting protection.  We can help simplify your choices.</description>
    <pubDate>Wed, 13 Feb 2008 18:03:57 GMT</pubDate>
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    <title>Smart Basic Investing Strategies Require Style Box Diversity.</title>
    <link>http://www.financial-choices-matter.com/basic-investing.html</link>
    <description>So how about you?  Has your basic investing strategy resulted in a portfolio diversified across market capitalization and holding types?  There is an easy way to find out.</description>
    <pubDate>Sat, 09 Feb 2008 19:54:02 GMT</pubDate>
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    <title>The Envelope Budget Is Simple To Use And Proven To Work.</title>
    <link>http://www.financial-choices-matter.com/envelope-budget.html</link>
    <description>The envelope budget is time tested.  It was once used by many American families to help them avoid debt and overspending.  The envelope budget is a very effective way to manage your family budget. </description>
    <pubDate>Thu, 07 Feb 2008 19:58:52 GMT</pubDate>
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    <title>Personal Values.  The Real Reason You Pursue Money.</title>
    <link>http://www.financial-choices-matter.com/personal-values.html</link>
    <description>The primary significance of money is to what degree it allows you to enjoy what is &quot;really&quot; important to you... your core personal values.    Learn more.   </description>
    <pubDate>Tue, 22 Jan 2008 03:25:17 GMT</pubDate>
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    <title>An Emergency Fund?  Who Needs One?  You Do!</title>
    <link>http://www.financial-choices-matter.com/emergency-fund.html</link>
    <description>Though it&#39;s importance is often overlooked... an emergency fund is a vital element of your financial security.  An emergency fund reduces your financial risk.  Learn more.</description>
    <pubDate>Fri, 18 Jan 2008 20:06:05 GMT</pubDate>
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    <title>Who Needs Global Investments?  You Probably Do!</title>
    <link>http://www.financial-choices-matter.com/global-investments.html</link>
    <description>Institutional investors agree on the role of global investments in a well diversified investment portfolio.  Would they agree with your investing strategy?  Learn more.</description>
    <pubDate>Tue, 18 Dec 2007 20:42:35 GMT</pubDate>
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    <title>Stock Sectors... Are You Adequately Diversified?</title>
    <link>http://www.financial-choices-matter.com/stock-sectors.html</link>
    <description>Are you diversified across the stock sectors?  The market has often hurt investors who are too narrowly diversified across stock sectors.  Don&#39;t let it happen to you.</description>
    <pubDate>Fri, 07 Dec 2007 17:06:40 GMT</pubDate>
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    <title>Investment diversification does not merely mean diversity across asset classes.</title>
    <link>http://www.financial-choices-matter.com/investment-diversification.html</link>
    <description>The truth is... Investment diversification limited only to the broad asset classes is not enough.  Learn more.</description>
    <pubDate>Sat, 01 Dec 2007 19:50:33 GMT</pubDate>
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    <title>Whole Life Insurance Is Very Commonly Misunderstood.</title>
    <link>http://www.financial-choices-matter.com/whole-life-insurance.html</link>
    <description>If you already own a whole life insurance policy or, if you are considering one, it is very important that you fully understand this product and how it works.  Learn more.</description>
    <pubDate>Fri, 30 Nov 2007 15:48:03 GMT</pubDate>
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    <title>Asset Allocation Models.  Wouldn&#39;t It Be Smart To Compare Yours To The Pros?</title>
    <link>http://www.financial-choices-matter.com/asset-allocation-models.html</link>
    <description>When Considering Asset Allocation Models for Your Investment Portfolio... Wouldn&#39;t It Make Sense To Consider The Asset Allocation Models Used By The Pros?  Learn more.</description>
    <pubDate>Wed, 28 Nov 2007 19:50:01 GMT</pubDate>
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    <title>Personal budgeting.  Typically... Rarely Used And Seldom Effective.</title>
    <link>http://www.financial-choices-matter.com/personal-budgeting.html</link>
    <description>Do you view personal budgeting as oppressive and hard to stick with?  Many people do.  This attitude is derived from a flawed concept about what personal budgeting is and how to do it.  Learn more.</description>
    <pubDate>Tue, 27 Nov 2007 03:03:06 GMT</pubDate>
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    <title>You Must Compare Mutual Funds To Make Smart Choices. Don&#39;t Rely Solely On Mutual</title>
    <link>http://www.financial-choices-matter.com/compare-mutual-funds.html</link>
    <description>You need a simple, effective, and logical way to compare mutual funds.  Mutual fund ratings are not enough.  Historical rate of return is not enough.  Find out what matters and why.</description>
    <pubDate>Mon, 26 Nov 2007 23:42:59 GMT</pubDate>
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    <title>Debt Stacking.  Do You Use It?</title>
    <link>http://www.financial-choices-matter.com/debt-stacking.html</link>
    <description>Debt stacking is not debt consolidation.  Nor is it debt counseling.  Debt stacking is a very simple, yet incredibly powerful debt elimination technique that can change your future.  Learn more.</description>
    <pubDate>Mon, 26 Nov 2007 23:41:17 GMT</pubDate>
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    <title>Effective Household Finance Requires Strategies In Four Major Areas Of Priority.</title>
    <link>http://www.financial-choices-matter.com/household-finance.html</link>
    <description>Household finance.  How well you understand and manage these core areas will determine the strength of your financial house.  Learn more. </description>
    <pubDate>Mon, 26 Nov 2007 23:36:55 GMT</pubDate>
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