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		<title>Path to Financial Independence &#8211; Give me the FACTS!</title>
		<link>http://www.horvats.com.au/wordpress/?p=352</link>
		<comments>http://www.horvats.com.au/wordpress/?p=352#comments</comments>
		<pubDate>Tue, 10 Apr 2012 05:49:21 +0000</pubDate>
		<dc:creator>Rudi Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Data mining can prove any theory if you try hard enough. There are enough studies, statistics, surveys and scholars to verify pretty much anything, restricted only by the marketing budget.]]></description>
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		<title>Thinking Retirement? Think Again</title>
		<link>http://www.horvats.com.au/wordpress/?p=342</link>
		<comments>http://www.horvats.com.au/wordpress/?p=342#comments</comments>
		<pubDate>Mon, 06 Feb 2012 02:40:51 +0000</pubDate>
		<dc:creator>Rudi Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[There is no standard formula which will provide you with a solution.]]></description>
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		<title>Longevity</title>
		<link>http://www.horvats.com.au/wordpress/?p=330</link>
		<comments>http://www.horvats.com.au/wordpress/?p=330#comments</comments>
		<pubDate>Thu, 19 Jan 2012 23:58:14 +0000</pubDate>
		<dc:creator>Rudi Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Given the hectic pace of the ever changing local and global events, it’s quite easy to lose sight of the big picture. As one approaches or enters retirement, the biggest question of them all must be “How long have I got?”]]></description>
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		<title>What&#8217;s Ahead?</title>
		<link>http://www.horvats.com.au/wordpress/?p=317</link>
		<comments>http://www.horvats.com.au/wordpress/?p=317#comments</comments>
		<pubDate>Tue, 20 Dec 2011 01:30:12 +0000</pubDate>
		<dc:creator>Rudi Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[As another year comes to pass, there is always an expectation or maybe a desire to forecast what may be ahead.]]></description>
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		<title>Retiring? Australia is the (only) place to be!</title>
		<link>http://www.horvats.com.au/wordpress/?p=305</link>
		<comments>http://www.horvats.com.au/wordpress/?p=305#comments</comments>
		<pubDate>Mon, 14 Nov 2011 03:42:40 +0000</pubDate>
		<dc:creator>Rudi Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Assuming the following; Your health and lifestyle are under control You have secured your debt free accommodation You have sufficient retirement savings which are properly managed, then You shouldn&#8217;t be to concerned about your retirement prospects. That is unless you live anywhere but Australia! Consider these facts; Australia&#8217;s current credit rating is AAA, with a cash rate of [...]]]></description>
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		<title>Financial Advice Reforms</title>
		<link>http://www.horvats.com.au/wordpress/?p=288</link>
		<comments>http://www.horvats.com.au/wordpress/?p=288#comments</comments>
		<pubDate>Fri, 06 May 2011 05:52:32 +0000</pubDate>
		<dc:creator>Rick Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[The proposed reforms to the financial planning industry have got a planners, fund managers and banks wondering what the actual definition of financial advice is?  ]]></description>
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		<title>Is Risk Worth It?</title>
		<link>http://www.horvats.com.au/wordpress/?p=265</link>
		<comments>http://www.horvats.com.au/wordpress/?p=265#comments</comments>
		<pubDate>Tue, 29 Mar 2011 04:07:08 +0000</pubDate>
		<dc:creator>Rudi Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[It is commonly accepted within all sectors of investment management that the more risk you take, the higher return you should expect.]]></description>
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		<title>Can money buy you happiness, and if so how much is it?</title>
		<link>http://www.horvats.com.au/wordpress/?p=258</link>
		<comments>http://www.horvats.com.au/wordpress/?p=258#comments</comments>
		<pubDate>Mon, 21 Feb 2011 01:42:05 +0000</pubDate>
		<dc:creator>Rudi Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[At some point in time, we will all eventually turn our mind to the business of retirement planning.]]></description>
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		<title>Back On Deck</title>
		<link>http://www.horvats.com.au/wordpress/?p=251</link>
		<comments>http://www.horvats.com.au/wordpress/?p=251#comments</comments>
		<pubDate>Mon, 10 Jan 2011 03:21:47 +0000</pubDate>
		<dc:creator>Rick Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Christmas has come and gone and a new year is upon us.

The break was fantastic and ensured that I was able to recharge the batteries.  I had the opportunity to catch up with family and friends over many different social occasions.]]></description>
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		<title>New Look, New Era</title>
		<link>http://www.horvats.com.au/wordpress/?p=247</link>
		<comments>http://www.horvats.com.au/wordpress/?p=247#comments</comments>
		<pubDate>Tue, 30 Nov 2010 01:40:01 +0000</pubDate>
		<dc:creator>Rick Horvat</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Welcome to our new web site! 

We're quite excited by the new look - tell us what you think?]]></description>
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