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	<title>ZLC Financial Outlook</title>
	<link>http://www.zlc.net/blog</link>
	<description>From ZLC Financial Group</description>
	<lastBuildDate>Wed, 19 May 2010 13:37:28 +0000</lastBuildDate>
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		<title>Proposed Changes to Canada Pension Plan</title>
		<description><![CDATA[Currently, CPP at age 65 is $934 per month.   Starting in 2011, CPP will begin phasing in higher payments to those of us who wait beyond age 65 to start our pensions, and lower payments for those of us who decide to collect them earlier.
Under the proposals, deferring our pension will add $78 each year, [...]]]></description>
		<link>http://www.zlc.net/blog/2010/05/19/proposed-changes-to-canada-pension-plan/</link>
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	<item>
		<title>ETFs:  Are they all they’re cracked up to be?</title>
		<description><![CDATA[Exchange Traded Funds (ETFs) seem to be multiplying daily, and evaluating how they might fit into your portfolio can be confusing.
ETFs give investors exposure to a group of securities, and trade on exchanges like stocks.  Most of us think of ETFs based on well known market benchmarks like the S&#38;P/TSX index, but now ETFs can [...]]]></description>
		<link>http://www.zlc.net/blog/2010/05/17/etfs-are-they-all-they%e2%80%99re-cracked-up-to-be/</link>
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		<title>What’s the right guaranteed lifetime income solution for you?</title>
		<description><![CDATA[Everyone’s situation is different.  Your personal and family circumstances, risk tolerance, age, investment capital available, existing sources of guaranteed income, and retirement income expectations are all important considerations.
A life annuity is for those of us who want safety and guarantees, and don’t want any management responsibilities.  It will guarantee you income for life, or provide [...]]]></description>
		<link>http://www.zlc.net/blog/2010/05/14/what%e2%80%99s-the-right-guaranteed-lifetime-income-solution-for-you/</link>
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		<title>Van Arbor:  Investing in the rest of the market</title>
		<description><![CDATA[Canada is definitely in the global spotlight these days. Our financial system is envied by most, our currency is strong, and our natural resources are in demand. It should be no surprise then to find energy, financial, and material companies making up almost 80% of the TSX index. This kind of market concentration means that [...]]]></description>
		<link>http://www.zlc.net/blog/2010/05/12/van-arbor-investing-in-the-rest-of-the-market/</link>
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		<title>Contingency Plan</title>
		<description><![CDATA[Once in a while, life knocks us for a loop.
Sometimes it presents itself as the abrupt end to a 15-year marriage. Or maybe it’s a child who refuses to communicate with his parents. It can even be a poor business decision that results in bankruptcy.
Sadly, countless people endure these and other life-changing experiences. While each [...]]]></description>
		<link>http://www.zlc.net/blog/2010/02/22/contingency-plan/</link>
			</item>
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		<title>Direct Government Dollars to your Favourite Charity or Cause</title>
		<description><![CDATA[How can you get the government to give more money to your favorite charity or cause? 
One way may be to lobby your MP or MLA. The prospect of a positive response would be less than certain, and the effort might not be the best use of your time.
A certain way to get the federal [...]]]></description>
		<link>http://www.zlc.net/blog/2010/02/19/direct-government-dollars-to-your-favourite-charity-or-cause/</link>
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		<title>TAX FREE SAVINGS PLANS: $5,000 MORE CONTRIBUTION ROOM FOR 2010</title>
		<description><![CDATA[Effective January 1, 2010, you now have another $5000 contribution room for your TFSA.  This is in addition to any unused contribution room you may have left from the $5000 entitlement for 2009.
Also, if you withdrew money last year, you can now replace it without affecting this year’s limit.
As with RSPs, personal investments can be [...]]]></description>
		<link>http://www.zlc.net/blog/2010/02/18/tax-free-savings-plans-5000-more-contribution-room-for-2010/</link>
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		<title>2009 RRSP DEADLINE:  March 1 2010</title>
		<description><![CDATA[The last day for topping up your 2009 RSP contribution is coming up fast.   Amazingly, many of us do not contribute our maximum, even though it still remains one of best ways to both save for retirement and reduce taxes.
If you don’t have the cash:

Ask us about RSP loans.  They are quick and easy, and [...]]]></description>
		<link>http://www.zlc.net/blog/2010/02/17/2009-rrsp-deadline-march-1-2010/</link>
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		<title>The New Retirement Realities and How they Affect You</title>
		<description><![CDATA[ZLC clients and friends enjoyed our recent workshop where our guest speaker, Doug Towill, presented several interesting and provocative thoughts on what we can expect in retirement.  Doug shared ideas on how we can best prepare ourselves to maximize our opportunities, and enjoyment, of this important, and hopefully long stage of our lives.
Highlights from the [...]]]></description>
		<link>http://www.zlc.net/blog/2010/02/16/the-new-retirement-realities-and-how-they-affect-you/</link>
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		<title>Fourth Quarter Fund Report</title>
		<description><![CDATA[Welcome to the next decade. Investors were tested to extremes this past decade; yet, wherever there is crisis, you can be sure there is opportunity close by. So as we all collectively stared into the abyss a year and half ago and our discipline was tested, we chose to focus and trust our independent analysis [...]]]></description>
		<link>http://www.zlc.net/blog/2010/01/19/fourth-quarter-fund-report/</link>
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