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	<link>http://borrowbetter.wordpress.com</link>
	<description>Inside Perspective on Managing Debt</description>
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		<title>borrowbetter</title>
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		<title>Are CDN Debt Levels All That Bad?</title>
		<link>http://borrowbetter.wordpress.com/2012/02/23/are-cdn-debt-levels-all-that-bad/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/23/are-cdn-debt-levels-all-that-bad/#comments</comments>
		<pubDate>Thu, 23 Feb 2012 18:45:51 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[bank of canada]]></category>
		<category><![CDATA[canadian economy]]></category>
		<category><![CDATA[debt to income ratio]]></category>
		<category><![CDATA[household debt]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[unsecured debts]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=628</guid>
		<description><![CDATA[Two stories in the media today that continue to clarify the picture of what kind of debts Canadians are facing and how the government is approaching the situation. First off, a report from TransUnion credit union shows average unsecured, non-mortgage credit &#8220;&#8230;floated up 1.4 per cent in the fourth quarter last year to $25,960.That reversed [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=628&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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			<media:title type="html">borrowbetter</media:title>
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		<item>
		<title>Renos, Refinance, and Resale Value</title>
		<link>http://borrowbetter.wordpress.com/2012/02/22/renos-refinance-and-resale-value/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/22/renos-refinance-and-resale-value/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 16:53:55 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Insight and Opinion]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[renovation]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[resale value]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=620</guid>
		<description><![CDATA[With Spring around the corner and rates still at near-record lows, many Canadians are gearing up to tear down, rebuild, and renovate all or part of their homes. From basements to bathrooms, this is the time of year when contractors&#8217; phones start to ring off the hook as homeowners (or home buyers) take a long, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=620&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">borrowbetter</media:title>
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		<title>Financing Conditions &#8211; Pros and Cons</title>
		<link>http://borrowbetter.wordpress.com/2012/02/21/financing-conditions-pros-and-cons/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/21/financing-conditions-pros-and-cons/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 16:19:45 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Insight and Opinion]]></category>
		<category><![CDATA[Policies and Regulations]]></category>
		<category><![CDATA[Borrow]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[qualification]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[renovation]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=615</guid>
		<description><![CDATA[The use, abuse, and avoidance of financing conditions is and has been a hot topic in the legal, real estate and home finance communities for some time. Over the last several years realtors and home buyers have been using fewer financing conditions when preparing offers of purchase and sale. Some buyers have benefited, and some [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=615&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Only 2 Weeks Left for RRSPs &#8211; Use it Wisely</title>
		<link>http://borrowbetter.wordpress.com/2012/02/16/only-2-weeks-left-for-rrsps-use-it-wisely/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/16/only-2-weeks-left-for-rrsps-use-it-wisely/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 14:41:12 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Insight and Opinion]]></category>
		<category><![CDATA[home buyer program]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[RRSP]]></category>
		<category><![CDATA[rrsp contributions]]></category>
		<category><![CDATA[RRSP LOANS]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=607</guid>
		<description><![CDATA[With less than 2 weeks to go to the February 29th cut-off for 2011 RRSP contributions, we thought it important to re-post a couple of entries that dealt specifically with how you use RRSP&#8217;s within your broader financial plan, and specifically, how you manage your debts. Not everyone can or should make RRSP contributions, especially [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=607&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://borrowbetter.wordpress.com/2012/02/16/only-2-weeks-left-for-rrsps-use-it-wisely/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>What&#8217;s Your Debt Level &#8211; and Does It Matter?</title>
		<link>http://borrowbetter.wordpress.com/2012/02/14/whats-your-debt-level-and-does-it-matter/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/14/whats-your-debt-level-and-does-it-matter/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 15:48:34 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Insight and Opinion]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[debt service ratio]]></category>
		<category><![CDATA[debt to income ratio]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=602</guid>
		<description><![CDATA[As we&#8217;ve tracked the big push by banks and regulators for a tighter and tougher lending environment, we keep noting the &#8220;Debt to Income&#8221; ratio being cited as the primary driver for change. Canada&#8217;s average debt level has been widely reported as 151% of income, meaning thaton averagesomeone with an income of $100,000 has total [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=602&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://borrowbetter.wordpress.com/2012/02/14/whats-your-debt-level-and-does-it-matter/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">borrowbetter</media:title>
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		<title>TD CEO Warns of Tightening, Debt Concerns</title>
		<link>http://borrowbetter.wordpress.com/2012/02/13/td-ceo-warns-of-tightening-debt-concerns/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/13/td-ceo-warns-of-tightening-debt-concerns/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 15:20:03 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[consumer debt levels]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgages and loans]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=596</guid>
		<description><![CDATA[In an interview with Bloomberg Television, TD Canada Trust CEO Ed Clark indicated that &#8220;Canada’s banks are tightening lending standards in response to a “genuine concern” about the country’s housing boom and rising consumer debt levels&#8221;.  As reported HERE on Bloomberg.com, Mr. Clark is quoted as saying the banks are &#8220;&#8230; trying to have a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=596&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://borrowbetter.wordpress.com/2012/02/13/td-ceo-warns-of-tightening-debt-concerns/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">borrowbetter</media:title>
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		<title>Pre-Qualifying has Never Been More Important</title>
		<link>http://borrowbetter.wordpress.com/2012/02/10/pre-qualifying-has-never-been-more-important/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/10/pre-qualifying-has-never-been-more-important/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 16:36:13 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Insight and Opinion]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[qualification]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=591</guid>
		<description><![CDATA[Interest rate volatility, policy changes, product variations and a general tightening in consumer lending are making this one of the most demanding and concerning times to finance residential real estate. Never before has it been more important to speak to a qualified mortgage specialist BEFORE you buy (or sell) a home. The busy spring market [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=591&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://borrowbetter.wordpress.com/2012/02/10/pre-qualifying-has-never-been-more-important/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">borrowbetter</media:title>
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		<title>Record Low rates come to an end</title>
		<link>http://borrowbetter.wordpress.com/2012/02/09/record-low-rates-come-to-an-end/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/09/record-low-rates-come-to-an-end/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 16:01:00 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[homebuyer]]></category>
		<category><![CDATA[housing market]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[rate hike]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[record lows]]></category>
		<category><![CDATA[unsecured debts]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=586</guid>
		<description><![CDATA[RBC and TD Canada Trust have cut short their special offer promotions on 4 year locked in mortgages at 2.99%, more than three weeks early (BMO&#8217;s special offer, which started the trend, ended as scheduled). Over the past two weeks strong corporate earnings and improved economic growth have seen both corporate and government bond yields [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=586&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">borrowbetter</media:title>
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		<title>Rates on Unsecured Debt Start to Climb</title>
		<link>http://borrowbetter.wordpress.com/2012/02/08/rates-on-unsecured-debt-start-to-climb/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/08/rates-on-unsecured-debt-start-to-climb/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 15:40:49 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Insight and Opinion]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[rate hike]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[unsecured debts]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=579</guid>
		<description><![CDATA[Canadian banks continue to tighten their lending business, fueled by thin margins and public pressure from regulators and the Minister of Finance. Following on the heels of CIBC&#8217;s announcement that their FirstLine arm would be stopping their stated income program, TD Canada Trust and other banks have begun hiking rates on unsecured lines of credit [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=579&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://borrowbetter.wordpress.com/2012/02/08/rates-on-unsecured-debt-start-to-climb/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">borrowbetter</media:title>
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		<title>Slow Job Growth is an Opportunity for Borrowers</title>
		<link>http://borrowbetter.wordpress.com/2012/02/03/slow-job-growth-is-an-opportunity-for-borrowers/</link>
		<comments>http://borrowbetter.wordpress.com/2012/02/03/slow-job-growth-is-an-opportunity-for-borrowers/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 15:01:35 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[canadian economy]]></category>
		<category><![CDATA[canadian employment]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://borrowbetter.wordpress.com/?p=573</guid>
		<description><![CDATA[Canada&#8217;s employment figures, released Friday morning, disappointed analysts and indicated a lower-than-expected level of growth for Canadian employment. While this is obviously bad news for those looking for work, or the thousands of Canadians who are &#8220;underemployed&#8221; in part-time jobs while looking for permanent positions, it does ensure that interest rates will likely stay low [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=borrowbetter.wordpress.com&amp;blog=20747243&amp;post=573&amp;subd=borrowbetter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://borrowbetter.wordpress.com/2012/02/03/slow-job-growth-is-an-opportunity-for-borrowers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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