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	<title>Banks in Canada &#187; without</title>
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	<link>http://www.banks.ca</link>
	<description>Canadian banking, credit cards, loans, savings, investments and retirement in Canada</description>
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		<title>Rich Dad&#8217;s Guide to Becoming Rich Without Cutting Up Your Credit Cards: Turn Bad Debt Into Good Debt</title>
		<link>http://www.banks.ca/credit-cards/rich-dads-guide-to-becoming-rich-without-cutting-up-your-credit-cards-turn-bad-debt-into-good-debt/</link>
		<comments>http://www.banks.ca/credit-cards/rich-dads-guide-to-becoming-rich-without-cutting-up-your-credit-cards-turn-bad-debt-into-good-debt/#comments</comments>
		<pubDate>Sun, 16 Jun 2013 12:23:16 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Becoming]]></category>
		<category><![CDATA[Cards:]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Cutting]]></category>
		<category><![CDATA[Dad's]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Good]]></category>
		<category><![CDATA[Guide]]></category>
		<category><![CDATA[Into]]></category>
		<category><![CDATA[Rich]]></category>
		<category><![CDATA[Turn]]></category>
		<category><![CDATA[without]]></category>
		<category><![CDATA[Your]]></category>

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		<title>Rethinking Retirement -How to create the life you want without waiting to retire</title>
		<link>http://www.banks.ca/retirement/rethinking-retirement-how-to-create-the-life-you-want-without-waiting-to-retire/</link>
		<comments>http://www.banks.ca/retirement/rethinking-retirement-how-to-create-the-life-you-want-without-waiting-to-retire/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 23:58:02 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Create]]></category>
		<category><![CDATA[How]]></category>
		<category><![CDATA[Life:]]></category>
		<category><![CDATA[Rethinking]]></category>
		<category><![CDATA[Retire]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[waiting]]></category>
		<category><![CDATA[Want]]></category>
		<category><![CDATA[without]]></category>

		<guid isPermaLink="false">http://www.banks.ca/retirement/rethinking-retirement-how-to-create-the-life-you-want-without-waiting-to-retire/</guid>
		<description><![CDATA[Most of us dream of retirement as the time in our lives when we'll finally be able to do what we've always wanted to do - but why do you have to wait?<br /><br />Rethinking Retirement helps you create the life you want now. By challenging traditional notions of how our lives are "supposed" to go, former financial advisor Keith Weber offers a new path for creating freedom, balance, purpose and passion in your life.<br /><br />Recounting his own "wake-up call" experience as well as those of many of his clients, Keith will help you:<br /><br /> * Recognize your true priorities.<br /> * Define a clear vision of the life you want.<br /> * Recognize the true role of money in your life.<br /> * Use the financial and personal resources you have to make that life real.<br /><br />Rethinking Retirement is packed with engaging stories, insightful self-discovery exercises and practical, down-to-earth financial education and advice. For the next generation of retirees and those already retired, Rethinking Retirement will help you create a richer and more rewarding life.<br /><br /><br />About Keith J. Weber:<br /><br />Keith J. Weber spent 20 years in the financial services industry. During that time he watched hundreds of clients struggle with the daily disillusionment of their jobs while in pursuit of the retirement dream. Now as a speaker, author, coach and consultant, Keith helps individuals and organizations reignite their passion for work and for life. Keith continues to hold the CERTIFIED FINANCIAL PLANNER™ certification and is a Certified Professional Retirement Coach.]]></description>
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		<title>Saving for Retirement (Without Living Like a Pauper or Winning the Lottery) Updated and Revised</title>
		<link>http://www.banks.ca/retirement/saving-for-retirement-without-living-like-a-pauper-or-winning-the-lottery-updated-and-revised/</link>
		<comments>http://www.banks.ca/retirement/saving-for-retirement-without-living-like-a-pauper-or-winning-the-lottery-updated-and-revised/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 23:57:53 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Like]]></category>
		<category><![CDATA[Living]]></category>
		<category><![CDATA[Lottery)]]></category>
		<category><![CDATA[Pauper]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Revised]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Updated]]></category>
		<category><![CDATA[Winning]]></category>
		<category><![CDATA[without]]></category>

		<guid isPermaLink="false">http://www.banks.ca/retirement/saving-for-retirement-without-living-like-a-pauper-or-winning-the-lottery-updated-and-revised/</guid>
		<description><![CDATA[<P style="MARGIN: 0px" soNormal>Saving for Retirement will relieve confusion and barriers to action for Americans who are increasingly worried about retirement.  The book removes everything from the readers’ path that typically trips people up and hits the sweet spot for everyone aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), Gail MarkJarvis helps readers calculate exactly how much money they’ll need and how to get there. She presents easy, proven investing strategies for anyone at any age that will transform pocket change into hundreds of thousands of dollars. Packed with her readers’ personal stories, this book teaches powerful professional financial planning principles — but makes them simple enough for anyone to apply on their own.</P>]]></description>
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		<title>Enough Bull: How to Retire Well without the Stock Market, Mutual Funds, or Even an Investment Advisor</title>
		<link>http://www.banks.ca/retirement/enough-bull-how-to-retire-well-without-the-stock-market-mutual-funds-or-even-an-investment-advisor-2/</link>
		<comments>http://www.banks.ca/retirement/enough-bull-how-to-retire-well-without-the-stock-market-mutual-funds-or-even-an-investment-advisor-2/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 23:57:40 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Advisor]]></category>
		<category><![CDATA[Bull:]]></category>
		<category><![CDATA[Enough]]></category>
		<category><![CDATA[Even]]></category>
		<category><![CDATA[Funds]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[Market]]></category>
		<category><![CDATA[Mutual]]></category>
		<category><![CDATA[Retire]]></category>
		<category><![CDATA[stock]]></category>
		<category><![CDATA[Well]]></category>
		<category><![CDATA[without]]></category>

		<guid isPermaLink="false">http://www.banks.ca/retirement/enough-bull-how-to-retire-well-without-the-stock-market-mutual-funds-or-even-an-investment-advisor-2/</guid>
		<description><![CDATA[The one book your bank REALLY does not want you to read.</p> <p> More than ever before, Canadians are frightened and stressed out about their retirement and financial future. With the mortgage, car payments and credit card bills, there never seems to be enough to pay the current bills let alone save thousands in RRSPs. At the same time, the large financial institutions are bombarding us with fearful messages of destitution unless we maximize our RRSP contributions.</p> <p> The stock market crash of 2008 has proven one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Throwing money into RRSPs and trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? In <i>Enough Bull</i>, David Trahair explains:</p> <ul type="disc"> <li>How to invest only in 100% safe investments that will <i>never</i> decline</li> <li>How to get out of mutual funds and the stock market - forever</li> <li>The "Tax Turbo-Charged RRSP strategy" - why you should wait until you are over 50 to start your RRSP</li> <li>Exactly what age to elect to receive the CPP pension</li> <li>How to avoid the scams that lead to personal financial disaster</li> </ul> <p> Easy to understand and simple to apply, <i>Enough Bull</i> shows Canadians how to avoid all the traps and why doing the exact opposite of what they have been told will leave them much further ahead.</p> <p> </p>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Retirement Without Borders: How to Retire Abroad&#8211;in Mexico, France, Italy, Spain, Costa Rica, Panama, and Other Sunny, Foreign Places (And the Secret to Making It Happen Without Stress)</title>
		<link>http://www.banks.ca/retirement/retirement-without-borders-how-to-retire-abroad-in-mexico-france-italy-spain-costa-rica-panama-and-other-sunny-foreign-places-and-the-secret-to-making-it-happen-without-stress/</link>
		<comments>http://www.banks.ca/retirement/retirement-without-borders-how-to-retire-abroad-in-mexico-france-italy-spain-costa-rica-panama-and-other-sunny-foreign-places-and-the-secret-to-making-it-happen-without-stress/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 23:56:47 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Abroad--in]]></category>
		<category><![CDATA[and]]></category>
		<category><![CDATA[Borders:]]></category>
		<category><![CDATA[Costa]]></category>
		<category><![CDATA[Foreign]]></category>
		<category><![CDATA[France]]></category>
		<category><![CDATA[Happen]]></category>
		<category><![CDATA[Italy]]></category>
		<category><![CDATA[Making]]></category>
		<category><![CDATA[Mexico]]></category>
		<category><![CDATA[Other]]></category>
		<category><![CDATA[Panama]]></category>
		<category><![CDATA[Places]]></category>
		<category><![CDATA[Retire]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Rica]]></category>
		<category><![CDATA[Secret]]></category>
		<category><![CDATA[Spain]]></category>
		<category><![CDATA[Stress)]]></category>
		<category><![CDATA[Sunny]]></category>
		<category><![CDATA[without]]></category>

		<guid isPermaLink="false">http://www.banks.ca/retirement/retirement-without-borders-how-to-retire-abroad-in-mexico-france-italy-spain-costa-rica-panama-and-other-sunny-foreign-places-and-the-secret-to-making-it-happen-without-stress/</guid>
		<description><![CDATA[]]></description>
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		<title>Enough Bull: How to Retire Well without the Stock Market, Mutual Funds, or Even an Investment Advisor</title>
		<link>http://www.banks.ca/retirement/enough-bull-how-to-retire-well-without-the-stock-market-mutual-funds-or-even-an-investment-advisor/</link>
		<comments>http://www.banks.ca/retirement/enough-bull-how-to-retire-well-without-the-stock-market-mutual-funds-or-even-an-investment-advisor/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 23:56:42 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Advisor]]></category>
		<category><![CDATA[Bull:]]></category>
		<category><![CDATA[Enough]]></category>
		<category><![CDATA[Even]]></category>
		<category><![CDATA[Funds]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[Market]]></category>
		<category><![CDATA[Mutual]]></category>
		<category><![CDATA[Retire]]></category>
		<category><![CDATA[stock]]></category>
		<category><![CDATA[Well]]></category>
		<category><![CDATA[without]]></category>

		<guid isPermaLink="false">http://www.banks.ca/retirement/enough-bull-how-to-retire-well-without-the-stock-market-mutual-funds-or-even-an-investment-advisor/</guid>
		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How To Save 5000 (3 FREE chapters): Reduce Your Outgoings without Reducing Your Lifestyle</title>
		<link>http://www.banks.ca/savings/how-to-save-5000-3-free-chapters-reduce-your-outgoings-without-reducing-your-lifestyle/</link>
		<comments>http://www.banks.ca/savings/how-to-save-5000-3-free-chapters-reduce-your-outgoings-without-reducing-your-lifestyle/#comments</comments>
		<pubDate>Mon, 10 Jun 2013 13:56:26 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Savings]]></category>
		<category><![CDATA[5000]]></category>
		<category><![CDATA[chapters):]]></category>
		<category><![CDATA[Free:]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Outgoings]]></category>
		<category><![CDATA[Reduce]]></category>
		<category><![CDATA[Reducing]]></category>
		<category><![CDATA[Save]]></category>
		<category><![CDATA[without]]></category>
		<category><![CDATA[Your]]></category>

		<guid isPermaLink="false">http://www.banks.ca/savings/how-to-save-5000-3-free-chapters-reduce-your-outgoings-without-reducing-your-lifestyle/</guid>
		<description><![CDATA[<p>HOW TO $AV€ 5000: REDUCE YOUR OUTGOINGS WITHOUT REDUCING YOUR LIFESTYLE, as the name suggests, is a book that will teach you how to keep more of the money you earn, without making any cutbacks, just changing some spending habits.</p><br /><p>It IS possible to maintain your current lifestyle, within reason, and spend less money at the same time. This book will teach you ways to spend smarter. By following the techniques, you will change your spending habits and save thousands each year. Better still, each year’s savings carries forward into the next year, so you could save not just €5,000 but tens of thousands of euro over time!</p><br /><p>For each major category of household expenditure, the book suggests simple, practical money-saving tips, based on key principles, including:</p><br /><p>•	Shop around / do price comparisons</p><br /><p>•	Think long-term / total cost of use / ownership</p><br /><p>•	Think of cumulative, not one-off, savings</p><br /><p>•	Pay only for what you need – needs analysis</p><br /><p>•	Track your spending / monitor trends and changes</p><br /><p>•	Buy in bulk</p><br /><p>•	Avoid brands</p><br /><p>•	Time your purchases for special / seasonal offers</p><br /><p>•	Plan your shopping / avoid impulse buying</p><br /><p>•	Learn to DIY – food / cooking gardening, housekeeping, building repairs etc</p><br /><p>•	Use vouchers / coupons / reward points etc</p><br /><p>And the system really works! The author, James O’Donovan is now on his fourth year of savings. He shares his experience – and the results of his savings – with you in this timely book. </p><br /><p></p>]]></description>
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		<title>How to Raise Your Credit Scores 25 to 100 Points in 48 Hours, Guaranteed! (Debt Free Forever: Payoff All Your Credit Cards Without Increasing Your Income Or Getting A Second Job)</title>
		<link>http://www.banks.ca/credit-cards/how-to-raise-your-credit-scores-25-to-100-points-in-48-hours-guaranteed-debt-free-forever-payoff-all-your-credit-cards-without-increasing-your-income-or-getting-a-second-job/</link>
		<comments>http://www.banks.ca/credit-cards/how-to-raise-your-credit-scores-25-to-100-points-in-48-hours-guaranteed-debt-free-forever-payoff-all-your-credit-cards-without-increasing-your-income-or-getting-a-second-job/#comments</comments>
		<pubDate>Sat, 01 Jun 2013 02:23:46 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Cards:]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Forever:]]></category>
		<category><![CDATA[Free:]]></category>
		<category><![CDATA[Getting]]></category>
		<category><![CDATA[Guaranteed]]></category>
		<category><![CDATA[Hours]]></category>
		<category><![CDATA[Income!]]></category>
		<category><![CDATA[Increasing]]></category>
		<category><![CDATA[Job)]]></category>
		<category><![CDATA[Payoff]]></category>
		<category><![CDATA[Points]]></category>
		<category><![CDATA[Raise]]></category>
		<category><![CDATA[Scores]]></category>
		<category><![CDATA[Second]]></category>
		<category><![CDATA[without]]></category>
		<category><![CDATA[Your]]></category>

		<guid isPermaLink="false">http://www.banks.ca/credit-cards/how-to-raise-your-credit-scores-25-to-100-points-in-48-hours-guaranteed-debt-free-forever-payoff-all-your-credit-cards-without-increasing-your-income-or-getting-a-second-job/</guid>
		<description><![CDATA[<b>Amazon Best Seller: How To Raise Your Credit Scores 25-100 Points In 48 Hours<br /><br />Learn how you too can save $500-$1000 per month by increasing your credit scores quickly using these techniques!!  </b><br /><b></b><br />FREE VIDEOS with step by step info. Visit the Autho'r page amazon.com/author/eramsaeed <br /><br /><br />"<i>After reading this book and applying her principals I began to see FAST results. My credit score increased 83 points in 4 days. I simply followed her "flow chart" of procedures and everything fell into place.... my hard work paid off---quickly! I HIGHLY recommend this book"<b> ~Tony Zermeno, Real Estate Investor, Bank Under Writer</b>,br>"<br /><br />Eram's book clarified how the scores are really calculated and highlighted some things I had done that probably hurt my scores ... like recently cancelling some credit cards. Using her tips and clear instructions, I am now better able to proactively manage my credit score to improve it. For anyone, even those with good credit, this book is a great source of accurate information on a topic that everyone should learn to master." <b>~ Marcus Elliot, President AEC Cost Recovery LLC.</b></i><br /><b></b><br /><b>How To Raise Your Credit Scores 25-100 Points in 48 hours, Guaranteed! </b><br />*Do you want to reduce your interest rates and pay less in bills?<br /><br />*Are you trying to get approved for a mortgage and want a good rate? I'll show you how to save thousands of dollars per month on credit accounts, car payments and mortgages.<br /><br />*Eram Saeed has been in lending for over 10 years. Currently, she is a business owner and runs her own branch as a manager for a Private Commercial Lender. In her job, she sees hundreds of loan files daily for people just like you. She knows the tricks you can use to repair your credit and rapidly raise your credit score 25 to 100 points in just two days. She has used these techniques for years to get her clients qualified for loans. Stop wasting money on expensive credit repair companies, learn from an Industry Expert. <br />She offers a full overview of :<br /><br /><i>How your score is calculated, <br />How mistakes can cost you financially,<br />How to repair these mistakes and save money right away. <br />Hundreds have used these techniques to qualify for a loan and are saving money every month on credit cards, home loan payments, car payments, insurance payments and merchandise cards. </i><b>Where can you use the extra $500-$1000 per month? </b><br /><b></b><br /><i>"This will be a great book to hand out to my clients to get them started on being able to qualify for a home mortgage sooner rather than later." <b>~ Christina Arias, Residential Mortgage Banker</b><br /><br />"These are quick fixes but the results have been long term for me when I used them. I highly recommend this book for professional and personal use." <b>~ Mark Veracola, Professional Real Estate Agent</b> "<br /><br />7 days after I got this book, my score had jumped up 50 points total....30 points only on Experian. He (loan officer) is giving me a better interest rate and also charging me less money for it. I am so grateful for this lady to write this book! <b>~Saba Yousaf, Amazon reader </b><br /><br />Start saving money TODAY using these easy techniques. Don't miss these other great books by Eram Saeed also on Amazon:<br /><br />***How To Pay Off Credit Card Debt Fast, When Buying A Home ***<br /><br />***Debt Free Forever, How To Payoff Credit Card Debt Without Getting A Second Job Or Increasing Your Income***<br /><br />***Making Money As A Certified Woman Owned Business, Even If You're A Man***For A limited time only: Email at eram@globalfundingsource.net to recieve an mp3 recording of an interview with Larry Dague. Topics covered include: Credit after Bankruptcy, Common credit repair myths that are costing you thousands, how to avoid bad credit if facing a foreclosure or loan modification, how to repair credit quickly with very liltle money spent.<br />Check out Eram's Amazon Author page for free offers or to connect with her</i>]]></description>
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		<title>Paying Without Money</title>
		<link>http://www.banks.ca/credit-cards/paying-without-money/</link>
		<comments>http://www.banks.ca/credit-cards/paying-without-money/#comments</comments>
		<pubDate>Thu, 23 May 2013 10:23:55 +0000</pubDate>
		<dc:creator><![CDATA[admin]]></dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Paying]]></category>
		<category><![CDATA[without]]></category>

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