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	<title>JBD Financial Planning, Saskatoon, SK</title>
	<link>http://www.jbdfinancialplanning.com</link>
	<description>Life &#38; Heath Insurance Advisor and Mutual Funds Advisor in Saskatoon, SK</description>
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		<title>July 2009 Newsletter</title>
		<description><![CDATA[Newsletter July 2009 Volume II, Issue iv, July 2009 Changing Jobs?   What do you need to know about your pension and other workplace savings plans… You may have one or several registered savings plans with your employer. As you leave your job, it is important that you understand your rights and options with respect [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/july-2009-newsletter</link>
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		<title>June 2009 Newsletter</title>
		<description><![CDATA[Newsletter June 2009 Find us on the web at www.janeabellay.com Volume II, Issue iii, June 2009 Recession? Time to spring clean &#38; refocus Recessions are usually regarded as nasty times as unemployment soars, home prices fall, stock markets sputter and public confidence decreases. The US is calling this time &#8220;The Great Recession&#8221;. And although we [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/june-2009-newsletter</link>
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		<title>What retirement benefits will I receive from the government?</title>
		<description><![CDATA[Many times questions arise as to when CPP and OAS should be applied for as individuals approach retirement. How much CPP are you entitled to and when should you take it? It is important to note that CPP and OAS should make up only a portion of your retirement planning to supplement your retirement income. [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/what-retirement-benefits-will-i-receive-from-the-government</link>
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		<title>Bank Mortgage Insurance &#8211; Just Say NO</title>
		<description><![CDATA[I have to re-post this CBC Marketplace Expose on Bank Mortgage Insurance. I met with a couple about a month ago who were denied their Bank Mortgage Insurance claim. We met to apply for a life insurance policy that can never be cancelled by the insurance company. We applied so this would never happen to [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/bank-mortgage-insurance-just-say-no</link>
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		<title>Can you guarantee your retirement dreams will come true?</title>
		<description><![CDATA[There is a lot of information being advertised about guaranteed investment funds (or GIF&#8217;s). Some clients ask, &#8220;how can they do this&#8221;? &#8220;Why are companies insuring my investment&#8221;? &#8220;What are these guaranteed investment funds&#8221;? I hope I can clear up the information! Do volatile markets give you the jitters? You&#8217;re not alone! The closer you [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/can-you-guarantee-your-retirement-dreams-will-come-true</link>
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		<title>RRSP Special Edition &#8211; Winter Newsletter 2009 &#8211; Vol2Iss2</title>
		<description><![CDATA[Click below to access the Winter 2009 Newsletter &#8211; Special RRSP Edition&#8230;.]]></description>
		<link>http://www.jbdfinancialplanning.com/rrsp-special-edition-winter-newsletter-2009-vol2iss2</link>
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		<title>Saving for a home &#8211; HOW??</title>
		<description><![CDATA[I was pleased to read an article in the Financial Post today if couples (or singles!) should use an RRSP or a Tax Freee Savings Account (TFSA) as a vehicle to save for a new home. In the past Financial Advisors would recommed to their clients, who were buying their FIRST home, to possibly utilize [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/saving-for-a-home-how</link>
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		<title>Smart Financial Strategies</title>
		<description><![CDATA[The markets are down; Stocks are falling; Ottawa projects a $34B defecit this year and $30B defecit next year. Although the world is experiencing a decline in the economy there are smart ways for you to keep a well-positioned money strategy and stay secure through this changing economy. What can you do to keep investing [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/smart-financial-strategies</link>
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		<title>Tips For Starting a TFSA</title>
		<description><![CDATA[10 Ways to Benefit From Contributing to a TFSA With the launch of the new TFSA accounts this year, many are wondering if they should contribute to one and what the benefits are. Let&#8217;s explore 10 reasons why contributing up to $5,000 per year to this savings account is the best plan for your short [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/tips-for-starting-a-tfsa</link>
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		<title>Winter 2009 Newsletter</title>
		<description><![CDATA[Click below to access the Winter 2009 Newsletter If you needed money today due to illness would you&#8230; 1. Get it at par? 2. Get it at a premium? 3. Get it at a discount? &#8211; Have you considered Critical Illness Insurance? The Ultimate Kids Plan If your child is diagnosed with a major illness [...]]]></description>
		<link>http://www.jbdfinancialplanning.com/winter-2009-newsletter</link>
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