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	<title>Hou Financial Group</title>
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	<description>Empowering Financial Freedom</description>
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		<title>Hou Financial Group</title>
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		<item>
		<title>Wild Ride or Quiet Stroll?</title>
		<link>http://houfinancial.wordpress.com/2007/04/21/wild-ride-or-quiet-stroll/</link>
		<comments>http://houfinancial.wordpress.com/2007/04/21/wild-ride-or-quiet-stroll/#comments</comments>
		<pubDate>Sat, 21 Apr 2007 19:45:55 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[Hou Financial Group]]></category>

		<guid isPermaLink="false">http://houfinancial.wordpress.com/2007/04/21/wild-ride-or-quiet-stroll/</guid>
		<description><![CDATA[The stock market has taken investors on a wild ride for the past several years. For example, a hypothetical portfolio of stocks mirroring the S&#38;P 500 would have taken until 2006 to recoup losses sustained during the three-year bear market that began in 2000.¹ Meanwhile, an investment in low-risk 10-year Treasury bonds wouldn’t have lost [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=84&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Prepare to Convert</title>
		<link>http://houfinancial.wordpress.com/2007/04/14/prepare-to-convert/</link>
		<comments>http://houfinancial.wordpress.com/2007/04/14/prepare-to-convert/#comments</comments>
		<pubDate>Sat, 14 Apr 2007 19:47:35 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[Hou Financial Group]]></category>

		<guid isPermaLink="false">http://houfinancial.wordpress.com/2007/04/14/prepare-to-convert/</guid>
		<description><![CDATA[In the past, only people with adjusted gross incomes of $100,000 or less were eligible to convert their traditional IRAs to Roth IRAs. The Pension Protection Act of 2006 repealed this rule, but it doesn’t take effect until 2010. In another change starting in 2008, investors can make a direct rollover from an employer-sponsored retirement [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=87&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Tax-Free Possibilities</title>
		<link>http://houfinancial.wordpress.com/2007/04/05/tax-free-possibilities/</link>
		<comments>http://houfinancial.wordpress.com/2007/04/05/tax-free-possibilities/#comments</comments>
		<pubDate>Thu, 05 Apr 2007 19:49:45 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[Hou Financial Group]]></category>

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		<description><![CDATA[This time of year, “tax-free” probably sounds as good to a taxpayer as ice water sounds to a hiker lost in the desert. Research shows that 59% of people believe their taxes are too high.¹ In our society, just about any financial transaction has tax consequences. But you might be surprised at the potential tax [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=88&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>An Automatic Strategy to Reduce Turnover</title>
		<link>http://houfinancial.wordpress.com/2007/03/21/an-automatic-strategy-to-reduce-turnover/</link>
		<comments>http://houfinancial.wordpress.com/2007/03/21/an-automatic-strategy-to-reduce-turnover/#comments</comments>
		<pubDate>Wed, 21 Mar 2007 19:51:39 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[business]]></category>
		<category><![CDATA[Hou Financial Group]]></category>

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		<description><![CDATA[Turnover can be a problem for any business. Its true cost goes well beyond the loss of productivity. Hiring and training costs as well as lost business should also be factored in. According to some estimates, the business cost to replace a key employee or top producer could reach as high as four times the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=90&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Don’t Leave “Success” Out of Succession</title>
		<link>http://houfinancial.wordpress.com/2007/03/14/don%e2%80%99t-leave-%e2%80%9csuccess%e2%80%9d-out-of-succession/</link>
		<comments>http://houfinancial.wordpress.com/2007/03/14/don%e2%80%99t-leave-%e2%80%9csuccess%e2%80%9d-out-of-succession/#comments</comments>
		<pubDate>Wed, 14 Mar 2007 20:00:31 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[business]]></category>
		<category><![CDATA[Hou Financial Group]]></category>

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		<description><![CDATA[One in five family business participants has not addressed any estate conservation issues beyond writing a will.¹ Business continuation is difficult enough under normal circumstances, but if it has to take place ­following the unexpected death of a key person or owner, the complications can increase exponentially. Company-owned life insurance is one way to help [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=92&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">houfinancial</media:title>
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		<title>A Different Form of Ownership</title>
		<link>http://houfinancial.wordpress.com/2007/03/05/a-different-form-of-ownership/</link>
		<comments>http://houfinancial.wordpress.com/2007/03/05/a-different-form-of-ownership/#comments</comments>
		<pubDate>Mon, 05 Mar 2007 20:02:47 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[business]]></category>
		<category><![CDATA[Hou Financial Group]]></category>

		<guid isPermaLink="false">http://houfinancial.wordpress.com/2007/03/05/a-different-form-of-ownership/</guid>
		<description><![CDATA[The use of trusts among Americans is skyrocketing. Since the turn of the century, the overall number of trusts has more or less doubled. Between 1998 and 2004, the value of assets held in personal trusts also nearly ­doubled to $1.19 trillion.¹ Could you benefit from a trust? It depends. The usefulness of trusts for [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=93&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Disability Happens</title>
		<link>http://houfinancial.wordpress.com/2007/02/03/disability-happens/</link>
		<comments>http://houfinancial.wordpress.com/2007/02/03/disability-happens/#comments</comments>
		<pubDate>Sat, 03 Feb 2007 08:40:29 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[Hou Financial Group]]></category>

		<guid isPermaLink="false">http://houfinancial.wordpress.com/2007/02/03/disability-happens/</guid>
		<description><![CDATA[Did you know that medical bills related to illness contribute to one out of every four bankruptcies in the United States?¹ A disability caused by illness or injury that prevents a household member from working can create an alarming cycle whereby income decreases as expenditures rise. Under this scenario, the typical household may be forced [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=79&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>You Can’t Afford to Put This Off</title>
		<link>http://houfinancial.wordpress.com/2007/02/02/you-can%e2%80%99t-afford-to-put-this-off/</link>
		<comments>http://houfinancial.wordpress.com/2007/02/02/you-can%e2%80%99t-afford-to-put-this-off/#comments</comments>
		<pubDate>Fri, 02 Feb 2007 08:37:22 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[Hou Financial Group]]></category>

		<guid isPermaLink="false">http://houfinancial.wordpress.com/2007/02/02/you-can%e2%80%99t-afford-to-put-this-off/</guid>
		<description><![CDATA[Forty-eight million U.S. households believe they don’t have enough life insurance. Of this group, nearly half expect to buy more life insurance during the coming year.¹ But reality portrays a different picture: In any given year, only about one in 10 U.S. households buys life insurance.² Reviewing your life insurance coverage is probably not your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=77&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Population in Peril?</title>
		<link>http://houfinancial.wordpress.com/2007/02/01/population-in-peril/</link>
		<comments>http://houfinancial.wordpress.com/2007/02/01/population-in-peril/#comments</comments>
		<pubDate>Thu, 01 Feb 2007 08:34:18 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[When the U.S. population surpassed 300 million in 2006, it was a newsworthy event. But it won’t be the last big news you hear about demographic trends. As the baby-boom generation approaches retirement, you are likely to hear more about how this massive generation will influence and reshape the economy. To be sure, there are [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=75&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Pop Quiz: Paying for College</title>
		<link>http://houfinancial.wordpress.com/2007/01/30/pop-quiz-paying-for-college/</link>
		<comments>http://houfinancial.wordpress.com/2007/01/30/pop-quiz-paying-for-college/#comments</comments>
		<pubDate>Tue, 30 Jan 2007 08:42:50 +0000</pubDate>
		<dc:creator>houfinancial</dc:creator>
				<category><![CDATA[Hou Financial Group]]></category>

		<guid isPermaLink="false">http://houfinancial.wordpress.com/2007/01/30/pop-quiz-paying-for-college/</guid>
		<description><![CDATA[Test your knowledge of college funding basics. 1. How much have average tuition and fees for four-year public colleges risen over the past 20 years? a. 21% b. 31% c. 101% d. 231% 2. What is the maximum amount that can be ­contributed each year to a 529 savings plan on behalf of a student? [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=houfinancial.wordpress.com&amp;blog=616885&amp;post=81&amp;subd=houfinancial&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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