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		<title><![CDATA[Articles Zone - Articles - Financial Planning]]></title>
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			<title><![CDATA[AI: Alpha and Index Funds]]></title>
			<link>http://art.fdlive.com/articles/42573/1/AI-Alpha-and-Index-Funds/Page1.html</link>
			<description><![CDATA[Alpha and index fund investing makes a great deal of sense.  You know what to expect in terms of risk and return when you invest in an index fund.  Having a portion of your portfolio in index funds leaves you free to concentrate your investment time and energy (think alpha waves) on those investments which can make a difference.]]></description>
			<author>no@spam.com (Bill Byrnes)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 17:49:50 HKT]]></pubDate>
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			<title><![CDATA[Student Loans Consolidation : Your Medium To Hassle Free Study]]></title>
			<link>http://art.fdlive.com/articles/42405/1/Student-Loans-Consolidation--Your-Medium-To-Hassle-Free-Study/Page1.html</link>
			<description><![CDATA[No student in modern times is unaware of the benefit of student loan consolidation.]]></description>
			<author>no@spam.com (Apurva Shree)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 16:38:43 HKT]]></pubDate>
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			<title><![CDATA[Repair Your Past Mistakes : Go For Credit Card Debt Services]]></title>
			<link>http://art.fdlive.com/articles/42404/1/Repair-Your-Past-Mistakes--Go-For-Credit-Card-Debt-Services/Page1.html</link>
			<description><![CDATA[It is time to redeem your mistakes.]]></description>
			<author>no@spam.com (Apurva Shree)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 16:38:16 HKT]]></pubDate>
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			<title><![CDATA[Gut Check Time-How To Invest and Not Lose Sleep]]></title>
			<link>http://art.fdlive.com/articles/41721/1/Gut-Check-Time-How-To-Invest-and-Not-Lose-Sleep/Page1.html</link>
			<description><![CDATA[Investing is not an emotional decision, it takes hard work and discipline, but if you worry too much about an investment, it isn't right for you.]]></description>
			<author>no@spam.com (Bill Byrnes)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 11:41:45 HKT]]></pubDate>
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			<title><![CDATA[Estate Planning For Special Needs Children- Special Needs Trusts]]></title>
			<link>http://art.fdlive.com/articles/41619/1/Estate-Planning-For-Special-Needs-Children--Special-Needs-Trusts/Page1.html</link>
			<description><![CDATA[Planning and safeguarding the future of special kids requires in-depth knowledge of the federal laws that concern government benefit eligibility and the legal credentials such as trusts and guardianships.]]></description>
			<author>no@spam.com (Kris Koonar)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 10:52:30 HKT]]></pubDate>
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			<title><![CDATA[Finding the Right Student Loan]]></title>
			<link>http://art.fdlive.com/articles/40825/1/Finding-the-Right-Student-Loan/Page1.html</link>
			<description><![CDATA[No one should be kept from earning a degree because of a lack of funding.  The only problem is, getting the proper loans and/or grants can be a tricky piece of business.  This article will get you started in securing the funds you'll need for your education.]]></description>
			<author>no@spam.com (Ed Lathrop)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 05:20:57 HKT]]></pubDate>
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			<title><![CDATA[It's not "Retirement", it's the "Harvesting Phase"]]></title>
			<link>http://art.fdlive.com/articles/40823/1/Its-not-Retirement-its-the-Harvesting-Phase/Page1.html</link>
			<description><![CDATA[I propose that we throw out the term "retirement" and replace it with "The Harvesting Phase".   For Baby Boomers who have no intention of sitting down and"retiring", The Harvesting Phase is a time of lively engagement in life with an enhanced sense of choice about how we will use our time and energy.]]></description>
			<author>no@spam.com (Peter Cole)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 05:20:25 HKT]]></pubDate>
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			<title><![CDATA[Lowering Your Monthly Mortgage Payments]]></title>
			<link>http://art.fdlive.com/articles/40501/1/Lowering-Your-Monthly-Mortgage-Payments/Page1.html</link>
			<description><![CDATA[When purchasing a home, it is helpful determine upfront how much you want to spend per month.  To achieve these monthly payments, you can adjust some of the variables of your loan.]]></description>
			<author>no@spam.com (Ki Gray)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 03:02:52 HKT]]></pubDate>
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			<title><![CDATA[Top 5 Money Saving Tips To Build A Healthy Nest Egg]]></title>
			<link>http://art.fdlive.com/articles/40367/1/Top-5-Money-Saving-Tips-To-Build-A-Healthy-Nest-Egg/Page1.html</link>
			<description><![CDATA[Most people can appreciate the importance of having a good financial plan to build a healthy nest egg for retirement.]]></description>
			<author>no@spam.com (Terence Young)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 02:04:09 HKT]]></pubDate>
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			<title><![CDATA[Your Guide To Medi Cal and Medi Cal Related Issues]]></title>
			<link>http://art.fdlive.com/articles/40252/1/Your-Guide-To-Medi-Cal-and-Medi-Cal-Related-Issues/Page1.html</link>
			<description><![CDATA[Article discusses the topic of Medi Cal, the rules, regulations, and general information about the topic.]]></description>
			<author>no@spam.com (Terry Parker)</author>
			<pubDate><![CDATA[Fri, 25 Apr 2008 01:21:28 HKT]]></pubDate>
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