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	<title>Insight -- A Hewins Financial Blog</title>
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	<link>http://www.hewinsfinancial.com/blog</link>
	<description>Official Hewins Financial blog dedicated to discussing personal finance and wealth management for high net worth families and select institutions</description>
	<lastBuildDate>Wed, 16 May 2012 21:11:09 +0000</lastBuildDate>
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		<title>Should I Pay Off My Mortgage Early?</title>
		<link>http://www.hewinsfinancial.com/blog/publications/should-i-pay-off-my-mortgage-early/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=should-i-pay-off-my-mortgage-early</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/should-i-pay-off-my-mortgage-early/#comments</comments>
		<pubDate>Wed, 16 May 2012 19:47:16 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Lists & How-to's]]></category>
		<category><![CDATA[Publications]]></category>
		<category><![CDATA[15 year mortgage]]></category>
		<category><![CDATA[30 year mortgage]]></category>
		<category><![CDATA[amortization schedule]]></category>
		<category><![CDATA[home prices]]></category>
		<category><![CDATA[minimum payment mortgage]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage deductions]]></category>
		<category><![CDATA[mortgage interest]]></category>
		<category><![CDATA[mortgage tax benefits]]></category>
		<category><![CDATA[mortgage tax reduction]]></category>
		<category><![CDATA[mortgage taxes]]></category>
		<category><![CDATA[pay off mortgage]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1267</guid>
		<description><![CDATA[By Benjamin Hayes One of the more frequent questions we hear as financial advisors is, “Should I pay off my mortgage early or keep making the minimum payment?”  In most cases, paying down debt is an easy decision.  When talking about credit cards and auto loans, which generally have high interest rates and little tax [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Should insurance be a part of my financial plan? Part 2</title>
		<link>http://www.hewinsfinancial.com/blog/publications/lists-how-tos/should-insurance-be-a-part-of-my-financial-plan/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=should-insurance-be-a-part-of-my-financial-plan</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/lists-how-tos/should-insurance-be-a-part-of-my-financial-plan/#comments</comments>
		<pubDate>Thu, 10 May 2012 17:49:48 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Lists & How-to's]]></category>
		<category><![CDATA[financial fitness]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[long-term strategies]]></category>
		<category><![CDATA[risk tolerance]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1256</guid>
		<description><![CDATA[By Janice Deringer So clearly, Step 1 is to have a very good financial plan. This will help you see where your finances stand with your current view of your income, spending, liabilities, assets and investments. In creating a plan, you should be able to see not just your net worth and future projected net [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/publications/lists-how-tos/should-insurance-be-a-part-of-my-financial-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should insurance be a part of my financial plan? Part 1</title>
		<link>http://www.hewinsfinancial.com/blog/publications/should-insurance-be-a-part-of-my-financial-plan-part-1/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=should-insurance-be-a-part-of-my-financial-plan-part-1</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/should-insurance-be-a-part-of-my-financial-plan-part-1/#comments</comments>
		<pubDate>Wed, 09 May 2012 20:45:56 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Lists & How-to's]]></category>
		<category><![CDATA[Publications]]></category>
		<category><![CDATA[financial fitness]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[long-term strategies]]></category>
		<category><![CDATA[risk tolerance]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1242</guid>
		<description><![CDATA[Insurance plays an important role in your financial security, but you need to identify how it fits into your larger financial plan. What risks can you afford to take? How will changes in your health, assets, and income affect your plan? Today we present part 1, and will examine the general considerations and questions for [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/publications/should-insurance-be-a-part-of-my-financial-plan-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Digitization of Service: Finance and the Future</title>
		<link>http://www.hewinsfinancial.com/blog/publications/the-digitization-of-service-finance-and-the-future-2/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-digitization-of-service-finance-and-the-future-2</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/the-digitization-of-service-finance-and-the-future-2/#comments</comments>
		<pubDate>Thu, 03 May 2012 20:08:05 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Publications]]></category>
		<category><![CDATA[Sign of the Times]]></category>
		<category><![CDATA[America]]></category>
		<category><![CDATA[apps]]></category>
		<category><![CDATA[Current Affairs]]></category>
		<category><![CDATA[diversification]]></category>
		<category><![CDATA[fiduciary]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[finance news]]></category>
		<category><![CDATA[financial fitness]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[future]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[investing strategies]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[investment advisor]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[long-term strategies]]></category>
		<category><![CDATA[Market volatility]]></category>
		<category><![CDATA[risk tolerance]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[volatility]]></category>
		<category><![CDATA[wealth management]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1221</guid>
		<description><![CDATA[By: Nima Tolooi At the 2012 TEDxReset Conference in Istanbul, futurist speaker Thomas Frey predicted that over 2 billion jobs would disappear by 2030, lead by big losers in the power, transportation, and education industries.1 Most of the jobs cut will be casualties of economies of scale and efficiency. This isn’t a new threat. Automation [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/publications/the-digitization-of-service-finance-and-the-future-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>12 Steps to Financial Fitness</title>
		<link>http://www.hewinsfinancial.com/blog/publications/lists-how-tos/12-steps-to-financial-fitness-2/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=12-steps-to-financial-fitness-2</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/lists-how-tos/12-steps-to-financial-fitness-2/#comments</comments>
		<pubDate>Wed, 02 May 2012 18:59:55 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Lists & How-to's]]></category>
		<category><![CDATA[financial fitness]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[long-term strategies]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1202</guid>
		<description><![CDATA[Are you financially fit and prepared for the future?  Planning and discipline are integral to reaching retirement in a financially fit state. To help you get started, we&#8217;re re-posting our 12 Steps to Financial Fitness.  This information is too valuable not to share again.  Look out for an important article we&#8217;re posting tomorrow, &#8220;The Digitization of Service; Finance [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/publications/lists-how-tos/12-steps-to-financial-fitness-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>This Week in the News</title>
		<link>http://www.hewinsfinancial.com/blog/publications/this-week-in-the-news/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=this-week-in-the-news</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/this-week-in-the-news/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 19:33:19 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Publications]]></category>
		<category><![CDATA[Current Affairs]]></category>
		<category><![CDATA[dollar]]></category>
		<category><![CDATA[economic growth]]></category>
		<category><![CDATA[euro]]></category>
		<category><![CDATA[financial news]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[International Monetary Fund]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Tax law]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1164</guid>
		<description><![CDATA[A lot of interesting stories are floating around the financial news world this week.  We&#8217;re presenting some of them below with a brief summary and a link to the original story.  Enjoy! &#160; Economic Growth Expected for US  There’s optimism among US companies on employment outlook and total company sales. 78 percent of businesses surveyed [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/publications/this-week-in-the-news/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Glass Half Full</title>
		<link>http://www.hewinsfinancial.com/blog/publications/the-glass-half-full/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-glass-half-full</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/the-glass-half-full/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 21:31:51 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Publications]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[job market]]></category>
		<category><![CDATA[Spanish Financial Crisis]]></category>
		<category><![CDATA[stock market]]></category>
		<category><![CDATA[U.S. Bureau of Labor Statistics]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1132</guid>
		<description><![CDATA[Following our &#8220;muddle through scenario&#8221; client letter in January, we had the best quarter in the world equity markets in a long time. Lack of utter disaster translated into quite a market rally, and we were certainly glad for it. Now in April the issue of Spain has reared its ugly head and markets are [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/publications/the-glass-half-full/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Investors Need to Know About Today&#8217;s Global Economy</title>
		<link>http://www.hewinsfinancial.com/blog/publications/what-investors-need-to-know-about-todays-global-economy/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-investors-need-to-know-about-todays-global-economy</link>
		<comments>http://www.hewinsfinancial.com/blog/publications/what-investors-need-to-know-about-todays-global-economy/#comments</comments>
		<pubDate>Thu, 12 Apr 2012 17:02:49 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Publications]]></category>
		<category><![CDATA[Sign of the Times]]></category>
		<category><![CDATA[economic outlook]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial news]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[global economy]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1095</guid>
		<description><![CDATA[By Martha Post Our last blog series, Will that Be US Again? looked at the place of the U.S. in the world and some of the challenges we face.  In this posting, we’ll look at what these changes to the global economy and markets mean to us as investors. Technology has accelerated the interconnectedness of [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/publications/what-investors-need-to-know-about-todays-global-economy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will that Be US Again? &#124; Part 4</title>
		<link>http://www.hewinsfinancial.com/blog/uncategorized/book-review/will-that-be-us-again-part-4/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=will-that-be-us-again-part-4</link>
		<comments>http://www.hewinsfinancial.com/blog/uncategorized/book-review/will-that-be-us-again-part-4/#comments</comments>
		<pubDate>Fri, 06 Apr 2012 17:04:02 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Book Review]]></category>
		<category><![CDATA[America]]></category>
		<category><![CDATA[Current Affairs]]></category>
		<category><![CDATA[Foreign Policy]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[United Sates]]></category>
		<category><![CDATA[US Infrastructure]]></category>
		<category><![CDATA[US Policy]]></category>
		<category><![CDATA[wealth management]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1089</guid>
		<description><![CDATA[In his latest book, That Used to Be Us: How America Fell Behind in the World It Invented and How We Can Come Back, Tom Friedman argues that the US needs to catch up significantly in areas like modern infrastructure, education, scientific research, energy efficiency, political effectiveness and fiscal responsibility. Part one provides a brief overview of this legacy, Part [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/uncategorized/book-review/will-that-be-us-again-part-4/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will that Be US Again? Blog Series &#124; Part 3</title>
		<link>http://www.hewinsfinancial.com/blog/uncategorized/book-review/will-that-be-us-again-blog-series-part-3/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=will-that-be-us-again-blog-series-part-3</link>
		<comments>http://www.hewinsfinancial.com/blog/uncategorized/book-review/will-that-be-us-again-blog-series-part-3/#comments</comments>
		<pubDate>Thu, 05 Apr 2012 21:25:44 +0000</pubDate>
		<dc:creator>Hewins Financial</dc:creator>
				<category><![CDATA[Book Review]]></category>
		<category><![CDATA[America]]></category>
		<category><![CDATA[Current Affairs]]></category>
		<category><![CDATA[Foreign Policy]]></category>
		<category><![CDATA[Hewins Financial]]></category>
		<category><![CDATA[United Sates]]></category>
		<category><![CDATA[US Infrastructure]]></category>
		<category><![CDATA[US Policy]]></category>
		<category><![CDATA[wealth management]]></category>

		<guid isPermaLink="false">http://www.hewinsfinancial.com/blog/?p=1078</guid>
		<description><![CDATA[In his latest book, That Used to Be Us: How America Fell Behind in the World It Invented and How We Can Come Back, Tom Friedman argues that the US needs to catch up significantly in areas like modern infrastructure, education, scientific research, energy efficiency, political effectiveness and fiscal responsibility. Part one provides a brief overview of this legacy, [...]]]></description>
		<wfw:commentRss>http://www.hewinsfinancial.com/blog/uncategorized/book-review/will-that-be-us-again-blog-series-part-3/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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