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	<title>Business Financial Planning - Twin Tier Financial</title>
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	<link>http://www.twintierfinancial.com</link>
	<description>A Revolution In Financial Planning</description>
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		<title>Life Insurance In Plain English: The Ultimate Buyer&#8217;s Guide</title>
		<link>http://www.twintierfinancial.com/life-insurance/</link>
		<comments>http://www.twintierfinancial.com/life-insurance/#comments</comments>
		<pubDate>Wed, 09 Apr 2014 13:00:52 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[cash value]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[life insurance basics]]></category>
		<category><![CDATA[term life]]></category>
		<category><![CDATA[whole life]]></category>

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		<description><![CDATA[How many times have you uttered the words: &#8220;I wish I had more life insurance&#8221;? Most people I know don&#8217;t really think too much about insurance until or unless they need it. With life insurance, you need it when you&#8217;re dead, so there&#8217;s no mulligan on this one. At the same time, there&#8217;s a lot [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Owning vs Renting Your Home: Which One Is Really Better?</title>
		<link>http://www.twintierfinancial.com/owning-vs-renting/</link>
		<comments>http://www.twintierfinancial.com/owning-vs-renting/#comments</comments>
		<pubDate>Wed, 01 Jan 2014 12:24:31 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[buy vs rent]]></category>
		<category><![CDATA[homeownership]]></category>
		<category><![CDATA[owning a home]]></category>
		<category><![CDATA[saving money]]></category>

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		<description><![CDATA[Happy New Year! I flew down to Florida for Christmas this year to spend time with family, and we ended up playing that game Taboo. It was boys vs girls. The word was &#8220;Nike.&#8221; The clue was &#8220;Prefontaine.&#8221; They guessed correctly. We lost. I was dumbfounded. Right then and there I made a New Year&#8217;s [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What&#8217;s Wrong With Insider Trading?</title>
		<link>http://www.twintierfinancial.com/insider-trading-laws-punish-the-innocent/</link>
		<comments>http://www.twintierfinancial.com/insider-trading-laws-punish-the-innocent/#comments</comments>
		<pubDate>Mon, 14 Oct 2013 00:28:40 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.twintierfinancial.com/?p=3007</guid>
		<description><![CDATA[What&#8217;s wrong with insider trading? I know the usual responses having to do with fairness and equity, and even fiduciary duty. But is the simple act of trading on information that isn&#8217;t widely known morally wrong? Today, the Securities and Exchange Commission (SEC) publishes a running total of the insider trading cases it pursues. If [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Green Companies: The Unsustainable Investment</title>
		<link>http://www.twintierfinancial.com/green-investments-are-unsustainable/</link>
		<comments>http://www.twintierfinancial.com/green-investments-are-unsustainable/#comments</comments>
		<pubDate>Thu, 05 Sep 2013 13:00:02 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[green investments]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[socially responsible investing]]></category>

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		<description><![CDATA[&#8220;Green&#8221; investments did not just appear out of thin air. They are the result of an ideology called environmentalism. This ideology has been impregnated into the psyche of many investors for years. The result? Many investors have abandoned the profit motive in favor of: Maximizing &#8220;social good&#8221; and; &#8220;Green&#8221; technologies that must be propped up [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Cultivating Business Financial Values</title>
		<link>http://www.twintierfinancial.com/cultivating-business-financial-values/</link>
		<comments>http://www.twintierfinancial.com/cultivating-business-financial-values/#comments</comments>
		<pubDate>Mon, 01 Jul 2013 16:45:35 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.twintierfinancial.com/?p=2961</guid>
		<description><![CDATA[Do businessmen need values? In this day and age, I find it amazing that more businesses don&#8217;t have a clear purpose and value statement &#8211; particularly small businesses. Ask your average business owner what his unique selling proposition (his value proposition) is and he&#8217;s likely to tell you something like &#8220;great customer service&#8221; or &#8220;best [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Obamacare Solved: How To Nullify The Cost Of The Insurance Mandate</title>
		<link>http://www.twintierfinancial.com/obamacare-solved-how-to-nullify-the-cost-of-the-insurance-mandate/</link>
		<comments>http://www.twintierfinancial.com/obamacare-solved-how-to-nullify-the-cost-of-the-insurance-mandate/#comments</comments>
		<pubDate>Mon, 20 May 2013 00:45:23 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.twintierfinancial.com/?p=2933</guid>
		<description><![CDATA[&#8220;It&#8217;s a tax,&#8221; they said. That got me thinking &#8211; and researching. According to a Forbes article published late 2012, only 200,000 small businesses will be affected by these changes because over 96 percent of small businesses fall below the 50-employee threshold. Only 200,000 businesses? I don&#8217;t know about you, but I think 200,000 is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is Your &#8220;Obamacare Strategy&#8221; A One-Way Ticket To Audit Hell?</title>
		<link>http://www.twintierfinancial.com/is-your-obamacare-strategy-a-one-way-ticket-to-audit-hell/</link>
		<comments>http://www.twintierfinancial.com/is-your-obamacare-strategy-a-one-way-ticket-to-audit-hell/#comments</comments>
		<pubDate>Fri, 26 Apr 2013 23:45:13 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.twintierfinancial.com/?p=2868</guid>
		<description><![CDATA[The health care industry is about to be run like the DMV &#8211; it&#8217;s disgusting. Like your current insurance broker? Doesn&#8217;t matter. Don&#8217;t like him? That doesn&#8217;t matter either. Want him to help you navigate the complexities of the Affordable Healthcare Act? Good luck &#8211; your insurance broker could be your best friend but he&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.twintierfinancial.com/is-your-obamacare-strategy-a-one-way-ticket-to-audit-hell/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Clues That You Need Key Person Life Insurance</title>
		<link>http://www.twintierfinancial.com/key-person-life-insurance-clues/</link>
		<comments>http://www.twintierfinancial.com/key-person-life-insurance-clues/#comments</comments>
		<pubDate>Mon, 08 Apr 2013 23:40:36 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.twintierfinancial.com/?p=2826</guid>
		<description><![CDATA[There are no guarantees in life. You know that. That&#8217;s part of the reason you&#8217;re in business. I get that. I really do. You love the thrill of not having a safety net. You love the excitement of succeeding on your own &#8211; creating something, and accepting all of the risk for your success or [...]]]></description>
		<wfw:commentRss>http://www.twintierfinancial.com/key-person-life-insurance-clues/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Unexpected Consequences of Making Financial Mistakes</title>
		<link>http://www.twintierfinancial.com/financial-mistakes/</link>
		<comments>http://www.twintierfinancial.com/financial-mistakes/#comments</comments>
		<pubDate>Tue, 26 Feb 2013 13:51:20 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[financial mistakes]]></category>

		<guid isPermaLink="false">http://localhost/2008/06/bankruptcy.html</guid>
		<description><![CDATA[OK, so it&#8217;s no big revelation that you&#8217;re not a perfect person. You make mistakes. So do I. Here&#8217;s the rub: for every financial mistake we make, there are some really nasty potential consequences. Let me give you an example: most people believe that senior citizens are among the most savvy and financially intelligent people [...]]]></description>
		<wfw:commentRss>http://www.twintierfinancial.com/financial-mistakes/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why You Can&#8217;t Really Measure Investment Risk</title>
		<link>http://www.twintierfinancial.com/did-you-know-th/</link>
		<comments>http://www.twintierfinancial.com/did-you-know-th/#comments</comments>
		<pubDate>Tue, 12 Feb 2013 12:58:29 +0000</pubDate>
		<dc:creator><![CDATA[David]]></dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[measuring risk]]></category>
		<category><![CDATA[risk tolerance]]></category>

		<guid isPermaLink="false">http://localhost/2008/03/did-you-know-th.html</guid>
		<description><![CDATA[Can you really measure investment risk? Risk is supposed to be a measure of the likelihood that an event less than expected will occur. For example, if you are flipping a coin and want the coin to land on heads, then the odds of that happening is 50%. The odds of flipping tails is also [...]]]></description>
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