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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/741/all_that_glitters_is_not_gold</loc><lastmod>2007-11-06</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/745/taking_stock_of_rates___eureka_report_article</loc><lastmod>2007-11-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/750/simplified_pricing___aldi_introduces_unit_pricing___what_about_the_financial_services_industry_</loc><lastmod>2007-11-09</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/752/the_financial_fortnight_that_was___market_update</loc><lastmod>2007-11-14</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/756/planners_you_could_trust___new_eureka_report_article</loc><lastmod>2007-11-19</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/757/the_benefits_of_a_whole_of_market_investment_approach</loc><lastmod>2007-11-19</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/759/reverse_mortgages___a_reminder_of_the_risks</loc><lastmod>2007-11-21</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/766/the_financial_fortnight_that_was___market_update</loc><lastmod>2007-11-27</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/777/self_managed_super_funds___risking_undiversified_blues</loc><lastmod>2007-12-11</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/778/economics_nobel_laureate___insights_on_retirement_economics</loc><lastmod>2007-12-11</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/779/financial_fortnight___market_update</loc><lastmod>2007-12-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/780/manager_turnover___another_problem_with_actively_managed_funds</loc><lastmod>2007-12-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/781/the_first_forecast_for_the_season</loc><lastmod>2007-12-14</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/788/benchmarking_your_financial_position</loc><lastmod>2008-01-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/789/fear___something_financial_advisers_can_help_with</loc><lastmod>2008-01-14</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/794/financial_fortnight___market_update</loc><lastmod>2008-01-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/795/the_reality_of_how_investment_markets_work</loc><lastmod>2008-01-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/796/price_earnings_ratios_at_18_year_lows</loc><lastmod>2008-01-16</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/797/the_media_doesn_t_help_in_a__sharemarket_crash_</loc><lastmod>2008-01-22</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/806/listed_property_trusts___better_than_cash___eureka_report_insert</loc><lastmod>2008-01-23</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/813/the_financial_fortnight_that_was___tuesday_29th_january_2008</loc><lastmod>2008-01-28</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/814/retirement_planning___are_your_prepared_</loc><lastmod>2008-01-28</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/818/reality_check_for_share_bears___eureka_report_article</loc><lastmod>2008-01-30</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/823/abc_radio___share_market_volatility___supporting_article</loc><lastmod>2008-02-04</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/824/lics_slower__rougher_ride___eureka_report_article</loc><lastmod>2008-02-04</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/825/slow_and_sure_wins___investing_in_index_funds_regularly_over_time</loc><lastmod>2008-02-05</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/826/want_a_better_life_in_retirement___save_more___invest_wisely</loc><lastmod>2008-02-06</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/827/do_active_managers_shine_in_down_markets_</loc><lastmod>2008-02-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/844/sharpest_financial_minds___million_dollar_losers</loc><lastmod>2008-02-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/845/the_carnival_might_be_over_____and_independence_matters</loc><lastmod>2008-02-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/853/tap_your_super__but_how_much____eureka_report_article</loc><lastmod>2008-02-18</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/862/abc_radio___cash_as_an_investment_option___supporting_material</loc><lastmod>2008-02-24</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/863/abs_stats_provide_insights_into_retirement_planning</loc><lastmod>2008-02-24</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/867/the_money_or_the_stocks____eureka_report_article</loc><lastmod>2008-02-25</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/882/buffett_s_sobering_lesson___eureka_report_article</loc><lastmod>2008-03-08</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/889/amended_link_for_ross_gittens_article___no_crystal_ball_for_investors</loc><lastmod>2008-03-10</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/890/the_plight_of_city_pacific</loc><lastmod>2008-03-10</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/892/are_your_investments_swimming_naked_</loc><lastmod>2008-03-13</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/901/is_the_cost_of_running_your_own_self_managed_super_fund_worth_it_</loc><lastmod>2008-03-16</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/902/steady_income_in_unsteady_times</loc><lastmod>2008-03-17</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/905/don_t_forget_the_income_story</loc><lastmod>2008-03-18</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/906/the_problem_of_overconfidence</loc><lastmod>2008-03-23</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/907/grab_hold_of_the_dividend_or_reinvest____courier_mail_article</loc><lastmod>2008-03-23</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/911/why_the_asx_is_making_retirees_see_red___but_their_financial_adviser_should_be_making_them_see_past_the_red</loc><lastmod>2008-03-24</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/915/scott_francis_on_channel_9___brisbane_extra</loc><lastmod>2008-03-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/925/can_market__dogs__outrun_the_rest____eureka_report_article</loc><lastmod>2008-03-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/926/opes_prime___or_sub_prime_</loc><lastmod>2008-03-31</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/927/they_need_a_good_financial_adviser___not_a_lawyer_</loc><lastmod>2008-03-31</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/938/asic_announces_pie_in_the_sky_awards_for_2008</loc><lastmod>2008-04-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/939/planning_for_retirement_in_style</loc><lastmod>2008-04-01</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/941/why_commissions_don_t_work___opes_prime_case_study</loc><lastmod>2008-04-03</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/945/margin_loan__think_again___eureka_report_article</loc><lastmod>2008-04-07</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/984/performance_of_our_investment_portfolio_building_blocks</loc><lastmod>2008-04-13</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/991/prickly_hedges___eureka_report_article</loc><lastmod>2008-04-16</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/992/mbf_merge___scott_francis_appears_on_channel_nine</loc><lastmod>2008-04-16</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1002/the_cost_of_trying_to_beat_the_market</loc><lastmod>2008-04-17</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1008/planning_for_longevity_risk_podcast</loc><lastmod>2008-04-20</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1129/look_after_the_pence_and_the_pounds_will_look_after_themselves</loc><lastmod>2008-05-11</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1133/bookmakers_caught_by_mfs___eureka_report_insert</loc><lastmod>2008-05-12</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1134/long_term_australian_sharemarket_returns</loc><lastmod>2008-05-12</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1149/2008_budget__salary_sacrifice_rethink___eureka_report_insert</loc><lastmod>2008-05-14</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1152/dimensional_performance_graphs___updated_to_30th_april_2008</loc><lastmod>2008-05-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1157/business_of_government_podcast</loc><lastmod>2008-05-19</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1163/the_problems_of_ownership_and___or_commission_bias</loc><lastmod>2008-05-25</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1168/the_problem_of_ownership_and_commission_bias_podcast</loc><lastmod>2008-05-25</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1169/debit_cards___scott_francis_appears_on_channel_9_brisbane_extra</loc><lastmod>2008-05-27</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1170/latest_edition_of_the_financial_fortnight_that_was</loc><lastmod>2008-05-27</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1171/our_golden_rules_of_investing</loc><lastmod>2008-05-28</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1173/kohler_interviews_burton_malkiel_for_eureka_report</loc><lastmod>2008-05-29</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1174/time_to_check_your_super_fund</loc><lastmod>2008-06-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1179/time_to_check_your_super_fund_podcast</loc><lastmod>2008-06-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1183/gateway__enter_with_caution___eureka_report_article</loc><lastmod>2008-06-02</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1184/ten_questions_to_ask_your_financial_planner</loc><lastmod>2008-06-05</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1185/latest_edition_of_the_financial_fortnight_that_was</loc><lastmod>2008-06-05</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1186/seeking_help_from_the_right_planner</loc><lastmod>2008-06-05</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1192/buffet_or_a_fund_of_hedge_funds_manager___who_would_you_bet_on_</loc><lastmod>2008-06-09</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1204/babcock___brown___analyst_recommendations_provide_no_protection</loc><lastmod>2008-06-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1205/website_updates___calling_for_user_feedback</loc><lastmod>2008-06-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1210/the_problem_of_distributions_from_actively_managed_funds___our_latest_podcast___transcript</loc><lastmod>2008-06-16</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1266/5_things_you_should_know_about_your_superannuation_member_statement</loc><lastmod>2008-07-13</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1294/investment_newsletters___do_they_help_you_beat_the_market_</loc><lastmod>2008-07-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1295/latest_edition_of_the_financial_fortnight_that_was</loc><lastmod>2008-07-16</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1301/tollway_float_not_hazard_free___eureka_report_article</loc><lastmod>2008-07-21</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1305/what_price_index_funds____eureka_report_article</loc><lastmod>2008-07-31</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1309/the_ipo_that_died_of_shame___eureka_report_article</loc><lastmod>2008-08-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1310/summary_of_sound_investing___1st_august_2008</loc><lastmod>2008-08-01</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1317/building_portfolios_page_updated</loc><lastmod>2008-08-06</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1319/dollar_cost_averaging___a_wise_option</loc><lastmod>2008-08-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1320/lessons_from_the_anz_staff_superannuation_scheme</loc><lastmod>2008-08-12</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1324/reply_to_letter_of_the_week___published_in_the_eureka_report</loc><lastmod>2008-08-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1342/new_page___financial_seminar_presentations</loc><lastmod>2008-08-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1343/dimensional_graphs_updated_until_the_end_of_july_2008</loc><lastmod>2008-08-14</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1344/sharemarket_volatility___how_markets_rebound_from_lows</loc><lastmod>2008-08-14</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1346/summary_of_sound_investing___8th_august</loc><lastmod>2008-08-17</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1345/impact_of_a_falling_dollar</loc><lastmod>2008-08-18</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1350/emerging_markets_via_the_asx___eureka_report_article</loc><lastmod>2008-08-18</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1351/what_cost_a_medal_at_the_olympics____gdp_adjusted_medal_tally</loc><lastmod>2008-08-24</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1355/is_share_gearing_worth_it____eureka_report_article</loc><lastmod>2008-08-28</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1356/last_edition_of_our_financial_fortnight_that_was_email_newsletter</loc><lastmod>2008-08-28</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1360/rate_cut_the_short_priced_favourite</loc><lastmod>2008-08-31</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1361/realistic_medium_term_return_expectations</loc><lastmod>2008-08-31</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1369/the_reality_of_how_investment_markets_work___page_update</loc><lastmod>2008-09-02</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1366/investing_for_income___abc_radio_segment</loc><lastmod>2008-09-03</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1367/latest_edition_of_the_financial_fortnight_that_was</loc><lastmod>2008-09-03</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1384/coping_with_the_investment_market_crisis</loc><lastmod>2008-09-24</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1399/lics_show_their_mettle___eureka_report_article</loc><lastmod>2008-10-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1400/this_is_rocket_science___the_dimensional_fund_advisors_approach</loc><lastmod>2008-10-01</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1405/abc_radio_segment___personal_finance_strategies_in_the_context_of_the__credit_crisis_</loc><lastmod>2008-10-05</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1434/cash___safe_but_not_king</loc><lastmod>2008-11-03</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1480/expert_ken_french_on_current_markets</loc><lastmod>2008-12-04</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1527/active_or_index_funds_for__09_</loc><lastmod>2009-01-08</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1535/market_update_from_our_email_newsletter</loc><lastmod>2009-01-13</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1539/funds_structure_in_big_trouble___eureka_report_article</loc><lastmod>2009-01-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1540/scott_francis_comments_on_storm_financial___courier_mail</loc><lastmod>2009-01-17</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1541/what_s_ahead_for_2009____a_different_perspective_from_access_economics</loc><lastmod>2009-01-20</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1542/10_tips_on_avoiding_investment_fraud</loc><lastmod>2009-01-24</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1546/watch_out_for_the_new_income_tests</loc><lastmod>2009-01-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1551/monday_s_money_minute_podcasts___back_on_air</loc><lastmod>2009-01-27</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1557/market_update_from_the_latest_edition_of_the_clear_direction_email_newsletter</loc><lastmod>2009-01-27</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1558/fixed_interest_investments___an_alternative_to_cash</loc><lastmod>2009-01-28</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1559/accessing_the_pension_bonus_scheme</loc><lastmod>2009-01-29</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1590/latest_edition_of_the_clear_direction_email_newsletter</loc><lastmod>2009-02-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1589/the_3_factor_model_explained</loc><lastmod>2009-02-26</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1596/an_active_investment_approach_does_not_protect_you_in_bear_markets</loc><lastmod>2009-03-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1597/keep_an_eye_on_those_dividends</loc><lastmod>2009-03-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1601/franking_credits_in_the_firing_line___eureka_report_article</loc><lastmod>2009-03-16</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1608/accessing_superannuation_benefits_before_reaching_your_preservation_age</loc><lastmod>2009-03-16</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1609/latest_edition_of_our_email_newsletter</loc><lastmod>2009-03-17</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1610/30_year_asset_class_performance</loc><lastmod>2009-03-18</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1611/other_resources_of_interest</loc><lastmod>2009-03-19</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1616/bear_market_strategy___dollar_cost_averaging</loc><lastmod>2009-03-23</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1618/lowered_expectations_for_the_bulls__return</loc><lastmod>2009-03-24</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1626/diy_funds_get_a_little_good_news___eureka_report_article</loc><lastmod>2009-04-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1627/benefits_soften_retirees__landing___eureka_report_article</loc><lastmod>2009-04-07</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1629/margin_lending___food_for_thought</loc><lastmod>2009-04-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1633/timbercorp_s_fall_reverberates___eureka_report_article</loc><lastmod>2009-04-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1638/considering_swapping_investments____take_care_with_out_of_market_risk</loc><lastmod>2009-04-27</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1639/can_we_see_the_bottom_yet____presentation_from_vanguard</loc><lastmod>2009-04-29</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1655/value_in_international_investments___scott_keefer_quoted_in_the_australian</loc><lastmod>2009-05-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1643/time_to_look_beyond_super___eureka_report_article</loc><lastmod>2009-05-20</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1652/2009_budget___personal_finance_summary</loc><lastmod>2009-05-20</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1654/vanguard_investment_insights_videos___worth_a_look</loc><lastmod>2009-05-21</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1647/inflation_linked_bonds_need_just_one_ingredient___eureka_report_article</loc><lastmod>2009-05-21</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1662/taking_stock___what_should_investors_do_now__podcast</loc><lastmod>2009-05-25</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1665/case_study___chasing_up_unpaid_employer_superannuation_contributions</loc><lastmod>2009-05-27</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1672/the_importance_of_being_idle</loc><lastmod>2009-05-28</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1678/3_factor_model___monday_s_money_minute_podcast</loc><lastmod>2009-05-31</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1682/danger_lurks_in_mis_badlands___eureka_report_article</loc><lastmod>2009-06-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1684/industry_funds_moving_to_passive_investment</loc><lastmod>2009-06-10</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1685/why_share_prices_fall___is_this_a_good_time_for_active_investing_</loc><lastmod>2009-06-11</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1688/three_factor_model_in_action___graphs_updated_to_the_end_of_may_2009</loc><lastmod>2009-06-11</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1695/the_hidden_risks_of_industry_funds_podcast</loc><lastmod>2009-06-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1696/latest_edition_of_a_clear_direction_s_email_newsletter</loc><lastmod>2009-06-16</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1698/are_markets_rational_</loc><lastmod>2009-06-18</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1706/a_lotto_winner_s_handbook___eureka_report_article</loc><lastmod>2009-07-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1710/should_you_follow_the_index____eureka_report_article</loc><lastmod>2009-07-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1711/should_we_trust_the_forecasters_</loc><lastmod>2009-07-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1718/recycle_your_debt___eureka_report_article</loc><lastmod>2009-07-20</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1719/shares_or_cash__look_to_the_long_term___eureka_report_article</loc><lastmod>2009-07-20</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1720/should_you_cheat_on_your_financial_adviser_</loc><lastmod>2009-07-21</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1721/dimensional_performance_graphs___updated_to_the_end_of_june_2009</loc><lastmod>2009-07-27</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1722/10_steps_for_retirement_planning</loc><lastmod>2009-07-28</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1727/most_active_managers_underperform___s_p_index_v_active_funds_scorecard</loc><lastmod>2009-07-30</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1728/latest_edition_of_a_clear_direction_s_email_newsletter</loc><lastmod>2009-08-05</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1734/can_small_caps_stay_ahead____eureka_report_article</loc><lastmod>2009-08-08</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1763/case_study___benchmarking_your_financial_position</loc><lastmod>2009-09-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1764/dimensional_fund_performance_graphs_updated_to_the_end_of_july_2009</loc><lastmod>2009-09-08</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1768/fixed_interest_explained</loc><lastmod>2009-10-08</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1781/what_about_me__i_want_my_share</loc><lastmod>2009-10-20</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1796/how_much_is_enough_in_retirement_</loc><lastmod>2009-11-08</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1797/who_owns_your_financial_adviser_</loc><lastmod>2009-11-12</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1800/scott_keefer_interviewed_for_abc_s_inside_business</loc><lastmod>2009-11-15</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1802/need_help_with_managing_money_</loc><lastmod>2009-11-17</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1814/value_the_sector_not_the_stock___eureka_report_article</loc><lastmod>2009-12-09</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1830/what_does_the_past_tell_us_about_2010_</loc><lastmod>2010-01-22</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1831/do_past_managed_fund_winners_repeat_their_superior_performance_</loc><lastmod>2010-01-31</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1832/retirement_savings_gap___not_just_the_government_s_problem</loc><lastmod>2010-02-01</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1833/superannuation_adequacy___fees_also_matter</loc><lastmod>2010-02-07</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1834/dimensional_performance_graphs___updated_to_the_end_of_january_2010</loc><lastmod>2010-02-08</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1835/there_is_no_such_thing_as_a_certainty_on_markets</loc><lastmod>2010-02-08</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1836/why_we_fear_to_lose_money_</loc><lastmod>2010-02-09</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1837/norway_s_parliament_debates_passive_v_active_management</loc><lastmod>2010-02-09</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1841/australia_s_biggest_losers___eureka_report_article</loc><lastmod>2010-02-11</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1842/clear_directions_email_newsletter</loc><lastmod>2010-02-11</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1853/bogleheads_follow_a_simple___effective_investment_approach</loc><lastmod>2010-03-06</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1857/new_paths_to_home_ownership___eureka_report_article</loc><lastmod>2010-03-31</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1858/dimensional_performance_graphs___updated_to_the_end_of_february_2010</loc><lastmod>2010-03-31</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1859/dreaming_of_a_home_or_a_dream_home____abc</loc><lastmod>2010-04-04</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1879/banning_commissions___a_step_in_the_right_direction</loc><lastmod>2010-04-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1883/managing_inflation_risk</loc><lastmod>2010-04-26</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1897/april_edition_of_clear_directions_has_been_sent</loc><lastmod>2010-04-27</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1903/index_fund_outperformance___not_just_in_the_us___australia</loc><lastmod>2010-04-28</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1911/an_understanding_of_behavioural_bias_is_so_important_for_investors</loc><lastmod>2010-05-05</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1962/housing_s_fast_track_is_getting_faster___eureka_report_article</loc><lastmod>2010-05-30</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1964/is_the_efficient_market_theory_dead_</loc><lastmod>2010-06-02</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1996/portfolio_rebalancing__is_it_worth_it____eureka_report_article</loc><lastmod>2010-09-07</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/1998/not_all_planners__fees_slug_consumers</loc><lastmod>2010-10-06</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2030/4_steps_to_switching_home_loans_and_mortgage_switch_calculator</loc><lastmod>2010-12-29</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2031/take_care_using_historical_returns_for_picking_active_fund_managers</loc><lastmod>2010-12-31</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2033/mercer_survey___bad_news_for_active_fund_managers</loc><lastmod>2011-01-18</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2070/not_all_small_company_funds_are_the_same</loc><lastmod>2011-04-17</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2073/dimensional_trust_performance_graphs_and_tables_updated_to_the_31st_march_2011</loc><lastmod>2011-04-17</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2298/costs_in_retirement_creep_upwards</loc><lastmod>2012-11-12</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2299/using_advisers_to_avoid_your_behavioural_biases</loc><lastmod>2012-11-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2303/tax_shroud_keeps_investors_in_the_dark</loc><lastmod>2012-11-21</lastmod></url>
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<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2310/are_you_covered_in_the_event_of_a_critical_health_event___</loc><lastmod>2012-12-17</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2311/the_case_for_diversifying_away_from_australia</loc><lastmod>2012-12-18</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2312/2012__the_year_it_didn_t_happen</loc><lastmod>2013-01-08</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_happenings_blog/view/2313/why_victims_get_caught_by_financial_fraudsters_</loc><lastmod>2013-01-10</lastmod></url>
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<url><loc>https://acleardirection.com.au/value_the_sector_not_the_stock___eureka_report_article</loc><lastmod>2009-12-09</lastmod></url>
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<url><loc>https://acleardirection.com.au/if_only_investing_had_a__system____eureka_report_article</loc><lastmod>2011-04-16</lastmod></url>
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<url><loc>https://acleardirection.com.au/gearing_up__it_s_all_in_the_timing___eureka_report_article</loc><lastmod>2013-02-20</lastmod></url>
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<url><loc>https://acleardirection.com.au/private_equity_investments___15th_october_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/managed_funds_performance___8th_october_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/listed_investment_company_performance___1st_october_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/transition_to_retirement_income_streams___24th_september_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/early_release_superannuation_schemes___take_care___17th_september_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/salary_sacrifice_twist_to_be_aware_of___10th_september_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/buying_a_car___the_financial_maths_behind_a__1_million_decision___27th_august_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/asset_allocation___20th_august_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/current_market_volatility___the_sub_prime_mortgage_collapse___13th_august_podcast</loc><lastmod>2007-10-23</lastmod></url>
<url><loc>https://acleardirection.com.au/international_investing___currency___29th_october_podcast</loc><lastmod>2007-10-31</lastmod></url>
<url><loc>https://acleardirection.com.au/failure_of_analysts___5th_november_podcast</loc><lastmod>2007-11-07</lastmod></url>
<url><loc>https://acleardirection.com.au/reality_of_how_markets_work___26th_november_podcast</loc><lastmod>2007-11-27</lastmod></url>
<url><loc>https://acleardirection.com.au/superannuation_reality_check___3rd_november_podcast</loc><lastmod>2007-12-03</lastmod></url>
<url><loc>https://acleardirection.com.au/year_of_failed_investments_podcast___17th_december_2007</loc><lastmod>2007-12-17</lastmod></url>
<url><loc>https://acleardirection.com.au/inflation__interest_rates___retirees___14th_january_2008</loc><lastmod>2008-01-15</lastmod></url>
<url><loc>https://acleardirection.com.au/financial_media_bias___price_earnings_valuations___29th_january_2008</loc><lastmod>2008-01-28</lastmod></url>
<url><loc>https://acleardirection.com.au/market_volatility_and_12_month_returns_podcast___11th_february_2008</loc><lastmod>2008-02-10</lastmod></url>
<url><loc>https://acleardirection.com.au/explanation_of_short_selling_podcast___18th_february_2008</loc><lastmod>2008-02-18</lastmod></url>
<url><loc>https://acleardirection.com.au/inadequacy_of_the_single_age_pension_podcast___25_february_2008</loc><lastmod>2008-02-25</lastmod></url>
<url><loc>https://acleardirection.com.au/best_researched_portfolios_podcast___24th_march_2008</loc><lastmod>2008-03-26</lastmod></url>
<url><loc>https://acleardirection.com.au/lessons_from_the_opes_prime_collapse_podcast___31st_march_2008</loc><lastmod>2008-03-31</lastmod></url>
<url><loc>https://acleardirection.com.au/planning_for_longevity_risk_podcast___21st_april_2008</loc><lastmod>2008-04-20</lastmod></url>
<url><loc>https://acleardirection.com.au/buffett_s_latest_advice_podcast___28th_april_2008</loc><lastmod>2008-04-27</lastmod></url>
<url><loc>https://acleardirection.com.au/benefits_of_extra_super_contributions_podcast</loc><lastmod>2008-05-05</lastmod></url>
<url><loc>https://acleardirection.com.au/2008_federal_budget___personal_finance_summary_podcast</loc><lastmod>2008-05-14</lastmod></url>
<url><loc>https://acleardirection.com.au/business_of_government_podcast</loc><lastmod>2008-05-19</lastmod></url>
<url><loc>https://acleardirection.com.au/problem_of_ownership_and_commission_bias_podcast</loc><lastmod>2008-05-25</lastmod></url>
<url><loc>https://acleardirection.com.au/time_to_check_your_super_fund</loc><lastmod>2008-06-01</lastmod></url>
<url><loc>https://acleardirection.com.au/the_problem_of_distributions_from_actively_managed_funds</loc><lastmod>2008-06-16</lastmod></url>
<url><loc>https://acleardirection.com.au/is_it_time_to_consider_borrowing_to_invest___podcast</loc><lastmod>2008-07-09</lastmod></url>
<url><loc>https://acleardirection.com.au/watch_out_for_the_new_income_test___podcast</loc><lastmod>2009-01-26</lastmod></url>
<url><loc>https://acleardirection.com.au/sitting_tight_in_cash_dilemma___podcast</loc><lastmod>2009-02-10</lastmod></url>
<url><loc>https://acleardirection.com.au/long_term_investment_and_economic_trends___podcast</loc><lastmod>2009-02-24</lastmod></url>
<url><loc>https://acleardirection.com.au/taking_stock___what_should_investors_do_now____25th_may_2009</loc><lastmod>2009-05-25</lastmod></url>
<url><loc>https://acleardirection.com.au/3_factor_model_podcast___1st_june_2009</loc><lastmod>2009-05-31</lastmod></url>
<url><loc>https://acleardirection.com.au/hidden_risks_of_industry_funds___15th_june_2009</loc><lastmod>2009-06-15</lastmod></url>
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