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	<title>Insurance Insights</title>
	<link>http://rightinsurance.ca/blog</link>
	<description>Information and advice from Brian Poncelet, CFP</description>
	<lastBuildDate>Tue, 27 Dec 2011 02:00:36 +0000</lastBuildDate>
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		<title>Why Patricia Lovett-Reid does not talk about Financial Planning (software TD uses)</title>
		<description><![CDATA[Have you ever watched BNN? If you do you may see a paid program with a talking Head called Patricia Lovett-Reid at the TD talking about Financial Planning. The funny thing you will never see what kind of software she uses. Why because (I think she or the TD has a limited use of one) [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/12/26/why-patricia-lovett-reid-does-not-talk-about-financial-planning-software-td-uses/</link>
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		<title>Tories unveil voluntary pension system Critics say PPRPs do little to help Canadians save for retirement</title>
		<description><![CDATA[Do you like paying taxes? Government rules? Uncertain returns? o you In a nutshell, the above idea is really a RRSP (you just deffer taxes in the future) Do you believe taxes will be lower in the future? Sorry, if you do your own taxes you know this is not the case unless your income [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/11/17/tories-unveil-voluntary-pension-system-critics-say-pprps-do-little-to-help-canadians-save-for-retirement/</link>
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		<title>Common Misconceptions and Mistakes when buying term insurance  Part I</title>
		<description><![CDATA[MISTAKE: Failing to buy enough insurance while you are still healthy. Medical evidence is required when you buy life insurance. This evidence usually consists of a list of questions to elicit your medical history, a brief exam by a nurse, a blood and urine specimen and possibly a report from your doctor. If at a [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/10/28/common-misconceptions-and-mistakes-when-buying-term-insurance-part-i/</link>
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		<title>Average time before purchaing life insurance after&#8230;</title>
		<description><![CDATA[In Months Experiencing a serious illness 9 Reaching a certain age 9.5 Death of a family member/friend 10 Birth of a child 10.5 Marriage 13.5 Purchasing a home 15 Natural disaster/national emergency 20 (source USA Today, Oct. 20, 2011)]]></description>
		<link>http://rightinsurance.ca/blog/2011/10/22/average-time-before-purchaing-life-insurance-after/</link>
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		<title>CBC in Dential&#8230;mortgage insurance</title>
		<description><![CDATA[The ShowMortgage insurance: Not always a sure thing If you have a mortgage on your home, chances are good you also have mortgage insurance. The idea is that if you should become seriously ill or die before paying off the mortgage, the coverage will kick in and pay it off for you. It’s meant to [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/09/05/cbc-in-dential-mortgage-insurance/</link>
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		<title>Finding lost insurance policies&#8230;What everyone needs to do.</title>
		<description><![CDATA[Over the years I have talked to people who thought they had a $500,000 insurance coverage only to find out&#8230;after me telling them to find their policy they only have $50,000!! Or how about a disability policy that was bought cheap which only covers injury? Or a term policy that lasped years ago? We have [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/08/09/finding-lost-insurance-policies-what-everyone-needs-to-do/</link>
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		<title>Why RBC&#8217;s No Medical Insurance is so expensive</title>
		<description><![CDATA[Have you ever thought if no one asks any questions and offers a &#8220;great deal&#8221; it may not be such a a deal. Here is how many No Medical insurance programs works. Limited coverage&#8230;try to get $100,000 or $1,000,000 (no way!) It is expensive! It may not pay out in the first two years Their [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/07/30/why-rbcs-no-medical-insurance-is-so-expensive/</link>
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		<title>Bank on yourself for Canadians Part II</title>
		<description><![CDATA[A number of people have read the popular book by Pamela Yellen. The problem is there some differences on taxes between the US and Canada and the whole policies take a bit more time to have any cash value in the first 8 years. Having said that over time the policies in Canada are better [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/06/29/bank-on-yourself-for-canadians-part-ii/</link>
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		<title>TD life insurance&#8230;more expensive&#8230;limited choices!</title>
		<description><![CDATA[Currently TD is offering only term 10 life insurance which is more expensive than what can be bought elsewhere. Example is a 48 year old male non-smoker TD&#8217;s rate is $73/month others as low as $65/month. Can you convert their term polices into permanent? No! There is talk that this may happen later this year. [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/05/10/td-life-insurance-more-expensive-limited-choices/</link>
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		<title>Bank on yourself for Canadians</title>
		<description><![CDATA[Bank on yourself by Pamella Yellen is a popular US book on how to fund purchases like cars, trips etc. In Canada this idea works, but there is some different tax rules you should be aware of. We use Wealth in Motion which takes consideration of things like wills, real estate, TFSA, RRSPs, Vehicle insurance, [...]]]></description>
		<link>http://rightinsurance.ca/blog/2011/04/19/bank-on-yourself-for-canadians/</link>
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