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	<title>Fibonacci Financial &#187; Financial Planning</title>
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	<link>http://www.fibonaccifinancial.com</link>
	<description>Save Often and Invest Well</description>
	<lastBuildDate>Fri, 08 Jan 2010 23:16:16 +0000</lastBuildDate>
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		<title>The Worst Decade in 200 Years Became =&gt;The Lost Decade !</title>
		<link>http://www.fibonaccifinancial.com/financialwarroom/the-worst-decade-in-200-years-became-the-lost-decade/</link>
		<comments>http://www.fibonaccifinancial.com/financialwarroom/the-worst-decade-in-200-years-became-the-lost-decade/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 23:16:16 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Financial War Room]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Stocks]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=1383</guid>
		<description><![CDATA[

Vindication ?  
The Wall Street Journal
Announces 
The Worst Decade For Stocks EVER!

&#8220;The U.S. stock market is wrapping up what is likely to be its worst decade ever.
In nearly 200 years of recorded stock-market history, no calendar decade has seen such a dismal performance as the 2000s.
Investors would have been better off investing in pretty [...]]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/financialwarroom/the-worst-decade-in-200-years-became-the-lost-decade/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Know When to Hold&#8217;M, Know When to Fold&#8217;M</title>
		<link>http://www.fibonaccifinancial.com/brainsteroids/know-when-to-holdm-know-when-to-foldm/</link>
		<comments>http://www.fibonaccifinancial.com/brainsteroids/know-when-to-holdm-know-when-to-foldm/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 22:04:40 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Exploding Neurons]]></category>
		<category><![CDATA[Asset Allocaton]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Gambling]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=1137</guid>
		<description><![CDATA[Every Gambler knows the secret to survival is &#8220;knowing what to throw away and what to keep&#8221;



The MDD4 is meant to help you know what to throw away and what to keep.
No Dear Reader, Investing is not Gambling.   But most people who think they are investing really are gambling.
Gambling has a negative mathematical expectation.  Ergo, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>RED ALERT &#8211; Safety Deposit Box &#8211; NOT SAFE</title>
		<link>http://www.fibonaccifinancial.com/brainsteroids/red-alert-safety-deposit-box-not-safe/</link>
		<comments>http://www.fibonaccifinancial.com/brainsteroids/red-alert-safety-deposit-box-not-safe/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 03:08:24 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Exploding Neurons]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Safety Deposit Box]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=1133</guid>
		<description><![CDATA[
This alarming ABC expose is a MUST watch.


]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/brainsteroids/red-alert-safety-deposit-box-not-safe/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Were You Drinking the Kool Aid 3 Years Ago ?</title>
		<link>http://www.fibonaccifinancial.com/brainsteroids/were-you-drinking-the-kool-aid-3-years-ago/</link>
		<comments>http://www.fibonaccifinancial.com/brainsteroids/were-you-drinking-the-kool-aid-3-years-ago/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 15:41:54 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Exploding Neurons]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=1099</guid>
		<description><![CDATA[When I was directing clients OUT of Real Estate 3 years ago,  THEY thought I was crazy !   
That is why professional guidance is so important.  NO dear reader, &#8220;guidance&#8221; from a SALESPERSON doesn&#8217;t count.
It is incredibly hard to go against the herd at the proper time or for sales people to go against [...]]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/brainsteroids/were-you-drinking-the-kool-aid-3-years-ago/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Silver and Gold on a Tear !</title>
		<link>http://www.fibonaccifinancial.com/financialwarroom/silver-and-gold-on-a-tear/</link>
		<comments>http://www.fibonaccifinancial.com/financialwarroom/silver-and-gold-on-a-tear/#comments</comments>
		<pubDate>Thu, 21 May 2009 13:47:18 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Financial War Room]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[GLD]]></category>
		<category><![CDATA[Gold]]></category>
		<category><![CDATA[Silver]]></category>
		<category><![CDATA[SLV]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=883</guid>
		<description><![CDATA[Yes Dear Reader, Silver and Gold rallied after the COT Sell Signal.
One of the advantages of following the COT reports is to help determine which breakouts are the beginning of a new trend and which are not.&#160; With the COT reports providing a sell signal on Silver, I give this rally low odds.


Also, The Commercials [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Importance of Asset Allocation to Portfolio Performance</title>
		<link>http://www.fibonaccifinancial.com/financialwarroom/importance-of-asset-allocation-to-portfolio-performance/</link>
		<comments>http://www.fibonaccifinancial.com/financialwarroom/importance-of-asset-allocation-to-portfolio-performance/#comments</comments>
		<pubDate>Tue, 19 May 2009 14:05:42 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Financial War Room]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Portfolio Performance]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=869</guid>
		<description><![CDATA[Repeat 20 Times &#8211; 90% of Portfolio Performance Comes From:
Asset Allocation!

&#8220;Dramatic support for the importance of asset allocation is provided by a study of 91 large pension plans covering the period 1974 through 1983. 1&#160; The study sought to attribute the variation in total returns among the plans to three factors: asset allocation policy, market [...]]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/financialwarroom/importance-of-asset-allocation-to-portfolio-performance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>FYI &#8211; Silver Phoenix Article !!!</title>
		<link>http://www.fibonaccifinancial.com/kick/fyi-silver-phoenix-article/</link>
		<comments>http://www.fibonaccifinancial.com/kick/fyi-silver-phoenix-article/#comments</comments>
		<pubDate>Sun, 17 May 2009 19:45:35 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Kosmic Ice Cream Koans - KICK]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Silver]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=805</guid>
		<description><![CDATA[The Second Article in the Silver Phoenix series has been published.
To read it just look for the Ezine widget towards the bottom of the right hand column.
In Your Humble Partner&#8217;s Opinion Demanding &#8220;Coin Metal Silver&#8221; Is THE Most Revolutionary Act That Can Be Performed At This Time To Move The U.S.A. Back To Sound Money.
Share [...]]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/kick/fyi-silver-phoenix-article/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>May Financial Fulcrum &#8211; Need a Financial Tune Up ?</title>
		<link>http://www.fibonaccifinancial.com/financialfulcrum/may-financial-fulcrum-need-a-financial-tune-up/</link>
		<comments>http://www.fibonaccifinancial.com/financialfulcrum/may-financial-fulcrum-need-a-financial-tune-up/#comments</comments>
		<pubDate>Wed, 13 May 2009 02:37:19 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Financial Fulcrum Issues]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=740</guid>
		<description><![CDATA[Financial Fulcrum May Edition
Click to enlarge 



Dear Reader I have briefly covered the La Vida LOCA (as a concept &#8211; but not all the applications yet) and would appreciate your reviewing the above checklist and let me know which item you would like me to cover in my next financial planning article.  So please drop [...]]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/financialfulcrum/may-financial-fulcrum-need-a-financial-tune-up/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Deflation or Inflation ? &#8211; Knowing will make You Wealthier, Not Knowing will make You Poorer</title>
		<link>http://www.fibonaccifinancial.com/financialwarroom/deflation-or-inflation-knowing-will-make-you-wealthy-not-knowing-will-make-you-poor/</link>
		<comments>http://www.fibonaccifinancial.com/financialwarroom/deflation-or-inflation-knowing-will-make-you-wealthy-not-knowing-will-make-you-poor/#comments</comments>
		<pubDate>Thu, 07 May 2009 14:19:38 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Financial War Room]]></category>
		<category><![CDATA[Deflation]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[GLD]]></category>
		<category><![CDATA[Gold]]></category>
		<category><![CDATA[Gold/Silver Ratio]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Silver]]></category>
		<category><![CDATA[SLV]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=669</guid>
		<description><![CDATA[The Inflation vs Deflation debate rages all over the Web &#8211; So who is right ?

Last years deflationary collapse was revealed by a break out of a 2 year consolidation of the Gold/Silver ratio.  After burning itself out temporarily and yielding to the current mini bail out bubble the Gold/Silver ratio has once again entered [...]]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/financialwarroom/deflation-or-inflation-knowing-will-make-you-wealthy-not-knowing-will-make-you-poor/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Aviod the &#8220;Life-Cycle Investing&#8221; Trap !</title>
		<link>http://www.fibonaccifinancial.com/financialwarroom/aviod-the-life-cycle-investing-trap/</link>
		<comments>http://www.fibonaccifinancial.com/financialwarroom/aviod-the-life-cycle-investing-trap/#comments</comments>
		<pubDate>Wed, 06 May 2009 00:28:58 +0000</pubDate>
		<dc:creator>Michael R Stoddard</dc:creator>
				<category><![CDATA[Financial War Room]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Fibonacci Financial]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Financial Planning Tools]]></category>
		<category><![CDATA[Life-Cycle Investing]]></category>

		<guid isPermaLink="false">http://www.fibonaccifinancial.com/?p=608</guid>
		<description><![CDATA[Fibonacci Financial Portfolio Prism vs  Life-Cycle Investing
Life-Cycle Investing is a primary model for asset allocation in most financial planning performed in the U.S.A.  It is aptly described in a Social Security Policy Brief titled &#8220;Portfolio Theory, Life-Cycle Investing and Retirement Income&#8221;. The Policy Brief says &#8220;The life-cycle funds described here create portfolios that are heavily [...]]]></description>
		<wfw:commentRss>http://www.fibonaccifinancial.com/financialwarroom/aviod-the-life-cycle-investing-trap/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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