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	<title>Where Does Your Money Go?</title>
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	<link>http://spendingprofile.com/blog</link>
	<description>Spending Profile Blog</description>
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		<title>Understanding Tax Credits and Tax Deductions</title>
		<link>http://spendingprofile.com/blog/2013/05/understanding-tax-credits-and-tax-deductions/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=understanding-tax-credits-and-tax-deductions</link>
		<comments>http://spendingprofile.com/blog/2013/05/understanding-tax-credits-and-tax-deductions/#comments</comments>
		<pubDate>Wed, 01 May 2013 05:19:26 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=415</guid>
		<description><![CDATA[Most of us have now completed our 2012 tax returns. Have you ever wondered why certain line items on your tax return are tax credits and others are tax deductions? There is a big difference between credits and deductions and &#8230; <a href="http://spendingprofile.com/blog/2013/05/understanding-tax-credits-and-tax-deductions/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://spendingprofile.com/blog/2013/05/understanding-tax-credits-and-tax-deductions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do Bonds Still have a Place in Your Investment Portfolio?</title>
		<link>http://spendingprofile.com/blog/2013/03/do-bonds-still-have-a-place-in-your-investment-portfolio/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=do-bonds-still-have-a-place-in-your-investment-portfolio</link>
		<comments>http://spendingprofile.com/blog/2013/03/do-bonds-still-have-a-place-in-your-investment-portfolio/#comments</comments>
		<pubDate>Thu, 28 Mar 2013 21:34:50 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=403</guid>
		<description><![CDATA[Over the past few years, billions of investment dollars have poured into government and corporate bonds and bond-based mutual funds. The mutual fund industry has recorded that the bond market has absorbed more money than equities did at the height &#8230; <a href="http://spendingprofile.com/blog/2013/03/do-bonds-still-have-a-place-in-your-investment-portfolio/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://spendingprofile.com/blog/2013/03/do-bonds-still-have-a-place-in-your-investment-portfolio/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Changing Needs During Retirement</title>
		<link>http://spendingprofile.com/blog/2013/03/changing-needs-during-retirement/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=changing-needs-during-retirement</link>
		<comments>http://spendingprofile.com/blog/2013/03/changing-needs-during-retirement/#comments</comments>
		<pubDate>Thu, 14 Mar 2013 00:00:09 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=397</guid>
		<description><![CDATA[For those of you who are older than age 50, we ask that you think about how your life and lifestyle changed in the thirty years between your 20s and 50s. If you’re in your 20s, you will have to &#8230; <a href="http://spendingprofile.com/blog/2013/03/changing-needs-during-retirement/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://spendingprofile.com/blog/2013/03/changing-needs-during-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Debt Settlement Right For Me?</title>
		<link>http://spendingprofile.com/blog/2013/02/is-debt-settlement-right-for-me/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=is-debt-settlement-right-for-me</link>
		<comments>http://spendingprofile.com/blog/2013/02/is-debt-settlement-right-for-me/#comments</comments>
		<pubDate>Tue, 19 Feb 2013 18:34:37 +0000</pubDate>
		<dc:creator>Guest</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=385</guid>
		<description><![CDATA[Debt settlement is a practice through which a person owing creditors a good deal of money enlists the services of a debt relief company to negotiate with these creditors. The purpose of debt settlement is to have a portion of &#8230; <a href="http://spendingprofile.com/blog/2013/02/is-debt-settlement-right-for-me/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://spendingprofile.com/blog/2013/02/is-debt-settlement-right-for-me/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What happens after bankruptcy?</title>
		<link>http://spendingprofile.com/blog/2013/02/what-happens-after-bankruptcy/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-happens-after-bankruptcy</link>
		<comments>http://spendingprofile.com/blog/2013/02/what-happens-after-bankruptcy/#comments</comments>
		<pubDate>Mon, 18 Feb 2013 19:59:14 +0000</pubDate>
		<dc:creator>Lisa</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=379</guid>
		<description><![CDATA[Though several options exist for people who undergo the process of clearing their personal debts, sometimes bankruptcy is the best course of action in regard to repairing poor financial circumstances. When you file for personal bankruptcy, you legally declare that &#8230; <a href="http://spendingprofile.com/blog/2013/02/what-happens-after-bankruptcy/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Ready for Retirement?</title>
		<link>http://spendingprofile.com/blog/2013/02/are-you-ready-for-retirement/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=are-you-ready-for-retirement</link>
		<comments>http://spendingprofile.com/blog/2013/02/are-you-ready-for-retirement/#comments</comments>
		<pubDate>Tue, 12 Feb 2013 19:28:17 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[budget]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=369</guid>
		<description><![CDATA[So you’re thinking about retirement. It may sound good; however, it can also be an emotional and stressful time of life. You begin to dream of playing golf every day, travelling the world, or just sitting back and relaxing. But &#8230; <a href="http://spendingprofile.com/blog/2013/02/are-you-ready-for-retirement/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Planning – A Year Round Event</title>
		<link>http://spendingprofile.com/blog/2013/02/tax-planning-%e2%80%93-a-year-round-event/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=tax-planning-%25e2%2580%2593-a-year-round-event</link>
		<comments>http://spendingprofile.com/blog/2013/02/tax-planning-%e2%80%93-a-year-round-event/#comments</comments>
		<pubDate>Mon, 11 Feb 2013 21:36:07 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[Taxes]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=364</guid>
		<description><![CDATA[You are no doubt being inundated with all the virtues of the Registered Retirement Savings Plan (RRSP) and the tax saving benefits that come along with this program. The problem is that many Canadians only do their tax planning at &#8230; <a href="http://spendingprofile.com/blog/2013/02/tax-planning-%e2%80%93-a-year-round-event/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://spendingprofile.com/blog/2013/02/tax-planning-%e2%80%93-a-year-round-event/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Speed Limit of Equity Investing</title>
		<link>http://spendingprofile.com/blog/2013/02/the-speed-limit-of-equity-investing/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-speed-limit-of-equity-investing</link>
		<comments>http://spendingprofile.com/blog/2013/02/the-speed-limit-of-equity-investing/#comments</comments>
		<pubDate>Mon, 11 Feb 2013 21:17:55 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[financial goals]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=356</guid>
		<description><![CDATA[Many families rely heavily on a car in their daily lives. Visiting family, getting to and from school or work, and then on to sports events or lessons &#8211; the car and the roads we take it on are a &#8230; <a href="http://spendingprofile.com/blog/2013/02/the-speed-limit-of-equity-investing/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://spendingprofile.com/blog/2013/02/the-speed-limit-of-equity-investing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No Medical Life Insurance</title>
		<link>http://spendingprofile.com/blog/2013/02/no-medical-life-insurance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=no-medical-life-insurance</link>
		<comments>http://spendingprofile.com/blog/2013/02/no-medical-life-insurance/#comments</comments>
		<pubDate>Mon, 11 Feb 2013 20:57:16 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=352</guid>
		<description><![CDATA[Life insurance is an ideal solution to provide a tax-free benefit to your loved ones upon your death. The money can be used to pay debts, funeral expenses, and estate costs or provide a lump sum of cash to your &#8230; <a href="http://spendingprofile.com/blog/2013/02/no-medical-life-insurance/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://spendingprofile.com/blog/2013/02/no-medical-life-insurance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
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		<title>Help Your Financial Planner Help You</title>
		<link>http://spendingprofile.com/blog/2012/10/help-your-financial-planner-help-you/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=help-your-financial-planner-help-you</link>
		<comments>http://spendingprofile.com/blog/2012/10/help-your-financial-planner-help-you/#comments</comments>
		<pubDate>Sat, 06 Oct 2012 17:43:06 +0000</pubDate>
		<dc:creator>Rick Sutherland</dc:creator>
				<category><![CDATA[financial planning]]></category>
		<category><![CDATA[investing]]></category>

		<guid isPermaLink="false">http://spendingprofile.com/blog/?p=340</guid>
		<description><![CDATA[How strong is your relationship with your financial planner? There is no doubt that the past few years have been difficult for both clients and planners alike. It’s been a tough environment to make money. It’s situations like this that &#8230; <a href="http://spendingprofile.com/blog/2012/10/help-your-financial-planner-help-you/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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