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	<title>SF Bay Area Woman&#039;s Journal &#187; Money</title>
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	<description>Grow Your Life-Grow Your Business!  Connecting women to amazing resources and locally owned business in the East Bay, North Bay, South Bay, Peninsula and San Francisco!</description>
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		<title>The “B” Word: It’s Not as Bad as You Think</title>
		<link>http://www.bayareawj.com/the-b-word-its-not-as-bad-as-you-think/</link>
		<comments>http://www.bayareawj.com/the-b-word-its-not-as-bad-as-you-think/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 15:37:52 +0000</pubDate>
		<dc:creator>SFWJ</dc:creator>
				<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=15429</guid>
		<description><![CDATA[Consumer Advocate Lynn Ballou Offers Top 10 Tips for Getting Real About Budgeting  By Lynn Ballou Certified Financial Planner™ CFP® Board Ambassador for the SF Bay Area  One of the big news stories of the summer was the debt ceiling debates in Washington. While the average person may feel far removed—and likely confused—by the debt [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;">Consumer Advocate Lynn Ballou Offers Top 10 Tips for Getting Real About Budgeting </p>
By Lynn Ballou
Certified Financial Planner™
CFP® Board Ambassador for the SF Bay Area 

One of the big news stories of the
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		<item>
		<title>Clean Up Your Finances-Part Two</title>
		<link>http://www.bayareawj.com/clean-up-your-finances-part-two/</link>
		<comments>http://www.bayareawj.com/clean-up-your-finances-part-two/#comments</comments>
		<pubDate>Fri, 15 Apr 2011 13:33:38 +0000</pubDate>
		<dc:creator>SFWJ</dc:creator>
				<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=14692</guid>
		<description><![CDATA[by Lynn Ballou Certified Financial Planner ™ CFP Board Ambassador-SF Bay Area In Part 1 of this 2 part series Don't Just Clean Your House, Clean Up Your Finances, I shared 5 of 10 tips to get your spring cleaning started.  Following are t]]></description>
			<content:encoded><![CDATA[by Lynn Ballou
Certified Financial Planner ™
CFP Board Ambassador-SF Bay Area

In Part 1 of this 2 part series Don't Just Clean Your House, Clean Up Your Finances, I shared 5 of 10 tips to get your spring cleaning started. 

Following are t
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		<item>
		<title>Don’t Just Clean Your House, Clean Up Your Finances</title>
		<link>http://www.bayareawj.com/dont-just-clean-your-house-clean-up-your-finances/</link>
		<comments>http://www.bayareawj.com/dont-just-clean-your-house-clean-up-your-finances/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 15:47:19 +0000</pubDate>
		<dc:creator>SFWJ</dc:creator>
				<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Inspiration]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[relationships]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=14550</guid>
		<description><![CDATA[by Lynn Ballou Certified Financial Planner ™  CFP Board Ambassador-SF Bay Area Consumer Advocate Lynn Ballou Offers Top 10 Tips for Getting Your Financial House in Order! While tax season is in full bloom and]]></description>
			<content:encoded><![CDATA[by Lynn Ballou
Certified Financial Planner ™ 
CFP Board Ambassador-SF Bay Area
<p style="text-align: center;">Consumer Advocate Lynn Ballou Offers Top 10 Tips for Getting Your Financial House in Order!</p>
While tax season is in full bloom and
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		<title>Health Care Reform:  What You Should Know!</title>
		<link>http://www.bayareawj.com/health-care-reform-what-you-should-know/</link>
		<comments>http://www.bayareawj.com/health-care-reform-what-you-should-know/#comments</comments>
		<pubDate>Mon, 07 Mar 2011 18:27:23 +0000</pubDate>
		<dc:creator>Cathy Curtis</dc:creator>
				<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[health]]></category>
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		<description><![CDATA[ by Cathy Curtis Certified Financial Planner   The fierce battle to pass a health care reform bill came to a  interim resolution when in March 2010, Congress passed and President Obama signed into law comprehensive health care reform also kno]]></description>
			<content:encoded><![CDATA[ by Cathy Curtis
Certified Financial Planner  

The fierce battle to pass a health care reform bill came to a  interim resolution when in March 2010, Congress passed and President Obama signed into law comprehensive health care reform also kno
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		<title>Valentine&#8217;s Day: Financial Intimacy Creates Lasting Relationships!</title>
		<link>http://www.bayareawj.com/valentines-day-financial-intimacy-creates-lasting-relationships/</link>
		<comments>http://www.bayareawj.com/valentines-day-financial-intimacy-creates-lasting-relationships/#comments</comments>
		<pubDate>Thu, 10 Feb 2011 16:37:38 +0000</pubDate>
		<dc:creator>SFWJ</dc:creator>
				<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[dating]]></category>
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		<category><![CDATA[Featured]]></category>
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		<description><![CDATA[by Lynn Ballou Certified Financial Planner™ CFP® Ambassador SF Bay Area  I don’t know about you, but when I’m standing in line at the grocery store, my eyes definitely wander to the tabloids – how can they not?  My favorite guilty]]></description>
			<content:encoded><![CDATA[by Lynn Ballou
Certified Financial Planner™
CFP® Ambassador SF Bay Area

 I don’t know about you, but when I’m standing in line at the grocery store, my eyes definitely wander to the tabloids – how can they not? 

My favorite guilty 
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		<title>Beat the Inflation Enemy: 6 Ways to Manage Your Money</title>
		<link>http://www.bayareawj.com/beat-the-inflation-enemy-6-ways-to-manage-your-money/</link>
		<comments>http://www.bayareawj.com/beat-the-inflation-enemy-6-ways-to-manage-your-money/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 14:04:05 +0000</pubDate>
		<dc:creator>Cathy Curtis</dc:creator>
				<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=13478</guid>
		<description><![CDATA[by Cathy Curtis Certified Financial Planner Inflation can be a powerful enemy. Why? Because it’s invisible, there are no laws protecting you from it, and it’s not selective—every dollar is subject to its eroding influence. As a resul]]></description>
			<content:encoded><![CDATA[

by Cathy Curtis
Certified Financial Planner

Inflation can be a powerful enemy. Why? Because it’s invisible, there are no laws protecting you from it, and it’s not selective—every dollar is subject to its eroding influence.

As a resul
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		<item>
		<title>Refinance Your Mortgage Now: Top 6 Reasons!</title>
		<link>http://www.bayareawj.com/refinance-your-mortgage-now-top-6-reasons/</link>
		<comments>http://www.bayareawj.com/refinance-your-mortgage-now-top-6-reasons/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 16:47:48 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=8652</guid>
		<description><![CDATA[Lower Rates Aren’t the Only Perk to Refinancing In Today’s Market! The media is making it sound like everyone is “under water” on their home loans with news of declining values and high mortgage balances.  While this is the case with]]></description>
			<content:encoded><![CDATA[

Lower Rates Aren’t the Only Perk to Refinancing In Today’s Market!

The media is making it sound like everyone is “under water” on their home loans with news of declining values and high mortgage balances.  While this is the case with
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		<item>
		<title>Personal Wealth: How to Handle a Financial Windfall</title>
		<link>http://www.bayareawj.com/personal-wealth-how-to-handle-a-financial-windfall/</link>
		<comments>http://www.bayareawj.com/personal-wealth-how-to-handle-a-financial-windfall/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 12:34:57 +0000</pubDate>
		<dc:creator>Cathy Curtis</dc:creator>
				<category><![CDATA[Wealth Management]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Success]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.bayareawj.com/?p=8339</guid>
		<description><![CDATA[Some of us will be the fortunate recipients of a sudden, unexpected or unearned sum of money that can be life changing. Unfortunately, many of us will blow it. Such is the nature of sudden wealth. by Cathy Curtis, Certified Financial Plan]]></description>
			<content:encoded><![CDATA[

Some of us will be the fortunate recipients of a sudden, unexpected or unearned sum of money that can be life changing. 

Unfortunately, many of us will blow it. Such is the nature of sudden wealth. 

by Cathy Curtis, Certified Financial Plan
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		<item>
		<title>Divorce and Money:  Splitting the Assets</title>
		<link>http://www.bayareawj.com/divorce-and-money-splitting-the-assets/</link>
		<comments>http://www.bayareawj.com/divorce-and-money-splitting-the-assets/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 00:52:07 +0000</pubDate>
		<dc:creator>Allison Gervais</dc:creator>
				<category><![CDATA[Your Finances]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Marriage]]></category>
		<category><![CDATA[Money]]></category>
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		<description><![CDATA[If money is a problem in your relationship, it’s probably going to become an even bigger problem with divorce.  What if more money is owed on the house than it is worth? What about retirment accounts?   by Allison Gervais Sr. Mortgag]]></description>
			<content:encoded><![CDATA[

If money is a problem in your relationship, it’s probably going to become an even bigger problem with divorce.  

What if more money is owed on the house than it is worth? What about retirment accounts?
 
by Allison Gervais 
Sr. Mortgag
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		<title>Ups and Downs of the Stock Market: What&#8217;s the Impact on Your Investments?</title>
		<link>http://www.bayareawj.com/ups-and-downs-of-the-stock-market-whats-the-impact-on-your-investments/</link>
		<comments>http://www.bayareawj.com/ups-and-downs-of-the-stock-market-whats-the-impact-on-your-investments/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 15:24:08 +0000</pubDate>
		<dc:creator>Cathy Curtis</dc:creator>
				<category><![CDATA[Your Finances]]></category>
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		<category><![CDATA[Home]]></category>
		<category><![CDATA[Money]]></category>
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		<description><![CDATA[Tuesday, May 25: Just another day in the stock market:  The DJIA (Dow Jones Industrial Average) was down over 200 points mid-day but finished down only 22.82. It bounced around a lot all day. This kind of volatility has gone on for a long time n]]></description>
			<content:encoded><![CDATA[

Tuesday, May 25: Just another day in the stock market:  The DJIA (Dow Jones Industrial Average) was down over 200 points mid-day but finished down only 22.82. It bounced around a lot all day. This kind of volatility has gone on for a long time n
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