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	<title>MoneySense &#187; Must Reads</title>
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	<link>http://www.moneysense.ca</link>
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		<title>February 2 roundup</title>
		<link>http://www.moneysense.ca/2012/02/02/february-2-roundup/</link>
		<comments>http://www.moneysense.ca/2012/02/02/february-2-roundup/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 20:10:59 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[Meal planning]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Tokyo]]></category>
		<category><![CDATA[travel]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=22954</guid>
		<description><![CDATA[On breaking your mortgage, budget hotels in Tokyo and planning your meals.]]></description>
			<content:encoded><![CDATA[<p>• Looking to<strong> take advantage of the cheap mortgage rates</strong>? This article looks at the <a href="http://www.moneyville.ca/blog/post/1124459--why-mortgage-penalties-are-so-hard-to-understand" target="_blank">cost of breaking your mortgage</a>.</p>
<p>• <strong>Planning a trip to Tokyo?</strong> Here are some the <a href="http://www.guardian.co.uk/travel/2012/feb/01/10-best-budget-hotels-tokyo" target="_blank">best budget hotels</a> according to the Guardian.</p>
<p>• Save money by taking some time out of your busy schedule to <strong>plan your meals</strong>. Here’s a blogpost that <a href="http://www.shopaholicmommy.com/food/menu-planning-save-time-in-the-kitchen/" target="_blank">walks you through what you should consider</a>.</p>
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		<title>January 31 roundup</title>
		<link>http://www.moneysense.ca/2012/01/31/january-31-roundup/</link>
		<comments>http://www.moneysense.ca/2012/01/31/january-31-roundup/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 21:02:15 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[Defined Benefit pension plan]]></category>
		<category><![CDATA[etfs]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=22777</guid>
		<description><![CDATA[On ETFs for your portfolio, using a Defined Benefit pension plan and testing your financial savvy.]]></description>
			<content:encoded><![CDATA[<p>• <strong>ETFs can be a good place to invest for DIY-investors.</strong> Read  about how to <a href="http://www.moneyville.ca/article/1121270--how-to-choose-etfs-for-your-portfolio?bn=1" target="_blank">choose the right ones for your portfolio</a>.</p>
<p>• If you’re looking for a job maybe you should look for one  that offers a <strong>Defined Benefit pension plan</strong>. <a href="http://opinion.financialpost.com/2012/01/31/job-seekers-should-look-for-employers-with-db-pensions/#more-21456" target="_blank">Columnist Johnathan Chevreau  explains why</a>.</p>
<p>• <strong>How financially savvy are you?</strong> <a href="http://www.moneyville.ca/blog/post/1122812--cranial-cash-clash-a-fun-money-quiz" target="_blank">Take this quiz</a> and see.</p>
]]></content:encoded>
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		<title>January 26 Roundup</title>
		<link>http://www.moneysense.ca/2012/01/26/january-26-roundup/</link>
		<comments>http://www.moneysense.ca/2012/01/26/january-26-roundup/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 19:37:54 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[registered retirement savings plan]]></category>
		<category><![CDATA[RRSP]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=22634</guid>
		<description><![CDATA[On prioritizing your financial goals, free activities to save you money and RRSP portfolio picks for 2012.]]></description>
			<content:encoded><![CDATA[<p>• There are many investment vehicles to save your money, but <strong>where do you start? </strong>Blogger Robb Engen looks into <a href="http://www.moneyville.ca/blog/post/1120158--how-to-balance-financial-priorities" target="_blank">juggling financial priorities</a>.</p>
<p>• Looking to <strong>save more money this year?</strong> Check out these <a href="http://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/the-best-things-in-life-can-be-free-so-stop-spending/article2312920/" target="_blank">free activities</a> to help you save money.</p>
<p><strong>• It’s RRSP season</strong> as you probably know. Here are some<a href="http://www.canadianbusiness.com/article/66534--rrsp-portfolio-picks-for-2012 " target="_blank"> portfolio picks for your RRSP</a>.</p>
]]></content:encoded>
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		<title>January 20 roundup</title>
		<link>http://www.moneysense.ca/2012/01/19/january-20-roundup/</link>
		<comments>http://www.moneysense.ca/2012/01/19/january-20-roundup/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 21:12:06 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[Bruce Sellery]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[Investment portfolio]]></category>
		<category><![CDATA[roaming charges]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=22231</guid>
		<description><![CDATA[On MoneySense.ca's new personal finance expert, how financial planners create your portfolio and cutting down on roaming fees.]]></description>
			<content:encoded><![CDATA[<p>• <strong>MoneySense.ca welcomes Bruce Sellery. </strong>Personal finance expert Bruce Sellery, who will co-host a new reality show, <em>Million Dollar Neighbourhood</em>, on the Oprah Winfrey Network, will be joining the ranks of <em>MoneySense</em> next week. The author of <em>Moolala</em>, will advising viewers with his unique philosophy on money through blogs and video. Check out this feature on Bruce <a href="http://www.calgaryherald.com/entertainment/Calgary+financial+expert+stars+Oprah+network+reality+show/6016468/story.html" target="_blank">here</a>.</p>
<p>• <strong>How does a financial planner help you?</strong> Read this article about <a href="http://business.financialpost.com/2012/01/18/they-might-not-beat-the-index-but-planners-offer-protection/" target="_blank">how financial planners create your investment portfolio</a>.</p>
<p>• <strong>Heading to the U.S. and want to keep your cell phone on?</strong> Read about <a href="http://www.moneyville.ca/blog/post/1117331--how-to-cut-roaming-fees-when-traveling-to-the-usa" target="_blank">how to cut down on roaming fees</a>.</p>
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		<title>January 17 roundup</title>
		<link>http://www.moneysense.ca/2012/01/17/january-17-roundup/</link>
		<comments>http://www.moneysense.ca/2012/01/17/january-17-roundup/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 20:23:32 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Shoppers Drug Mart]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=22165</guid>
		<description><![CDATA[On financial pros of being single or married, the new RBC Shoppers Optimum debit card and taxes to the IRS.]]></description>
			<content:encoded><![CDATA[<p>• Whether you’re <strong>single or attached</strong>, your finances are affected either way. This blogger looks at the <a href="http://www.fiscalfizzle.com/2012/01/financial-benefits-marriage-single/" target="_blank">financial pros for being married and being single</a>.</p>
<p>• Shoppers Drug Mart is teaming up with RBC to offer a <strong>new debit card</strong>. <a href="http://business.financialpost.com/2012/01/17/rbc-and-shoppers-drug-mart-to-offer-new-debit-and-loyalty-card/" target="_blank">The pair is offering a debit card</a> that will give shoppers extra optimum points and unlimited transactions, but for a $10.95 monthly fee.</p>
<p>• If you’re an <strong>American citizen living in Canada</strong>, make sure you start reporting your taxes, experts recommend. This article looks at <a href="http://www.theglobeandmail.com/globe-investor/personal-finance/taxes/the-clock-is-ticking-on-filing-with-the-irs/article2304482/page1/" target="_blank">how to protect yourself</a>.</p>
]]></content:encoded>
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		<title>January 13 roundup</title>
		<link>http://www.moneysense.ca/2012/01/13/january-13-roundup/</link>
		<comments>http://www.moneysense.ca/2012/01/13/january-13-roundup/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 18:24:28 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[gen-y]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[loyalty cards]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=22074</guid>
		<description><![CDATA[On traumatized young investors, low interest rates and giving up on Aeroplan points.]]></description>
			<content:encoded><![CDATA[<p>• The recession seems to have <strong>traumatized young investors</strong>. Read this story about why <a href="http://business.financialpost.com/2012/01/10/generation-yikes-why-young-savers-are-avoiding-stocks/" target="_blank">Generation Y investors have decided not to invest in the stock market</a>.</p>
<p>• With <strong>interest rates at an all-time low</strong>, how do you take advantage of that? Blogger Robb Engen looks at either <a href="http://www.moneyville.ca/blog/post/1114374--low-interest-rates-pay-off-debt-or-invest" target="_blank">paying off your debt or investing</a>.</p>
<p>• <strong>Loyalty cards</strong> are a good way for businesses to build returning shoppers, but sometimes it doesn’t work. Read about why this writer is <a href="http://www.moneyville.ca/blog/post/1114341--why-i-m-giving-up-on-aeroplan " target="_blank">giving up on Aeroplan points</a>.</p>
]]></content:encoded>
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		<title>January 11 roundup</title>
		<link>http://www.moneysense.ca/2012/01/11/january-11-roundup/</link>
		<comments>http://www.moneysense.ca/2012/01/11/january-11-roundup/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 19:18:51 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[cable TV]]></category>
		<category><![CDATA[RESP]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=21982</guid>
		<description><![CDATA[On shopping off-season, the Canada Learning Bond and breaking up with cable television.]]></description>
			<content:encoded><![CDATA[<p>• <strong>How do you get the best deals?</strong> You shop off-season, of course. Here’s an article that talks about the <a href="http://www.theglobeandmail.com/globe-investor/personal-finance/preet-banerjee/how-off-season-shoppers-can-save-big/article2297422/" target="_blank">right time to buy what you want for the right price</a>.</p>
<p>• If you’re a low-income family, the government still offers you another way to <strong>contribute to your child’s RESP</strong>. Read about the <a href="http://www.moneysmartsblog.com/resp-canada-learning-bond-clb-why-arent-more-people-claiming-it/" target="_blank">Canada Learning Bond</a> and how to apply.</p>
<p>• <strong>Breaking up with cable TV</strong> is becoming more and more common these days. Read about this journalist’s experience of <a href="http://online.wsj.com/article/SB10001424052970203550304577138841278154700.html?mod=WSJ_hp_mostpop_read  " target="_blank">why he pulled the plug</a>.</p>
]]></content:encoded>
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		<title>January 9 roundup</title>
		<link>http://www.moneysense.ca/2012/01/09/january-9-roundup/</link>
		<comments>http://www.moneysense.ca/2012/01/09/january-9-roundup/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 18:05:28 +0000</pubDate>
		<dc:creator>MoneySense staff</dc:creator>
				<category><![CDATA[Must Reads]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[Income tax]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.moneysense.ca/?p=21937</guid>
		<description><![CDATA[On good personal finance books, slowing down your debit card spending, moving expenses on your income tax return.]]></description>
			<content:encoded><![CDATA[<p>• If you’re <strong>looking to improve your financial status</strong> this year, a good way start is by cracking open some books. Here are some <a href="http://www.theglobeandmail.com/globe-investor/personal-finance/ted-rechtshaffen/achieve-financial-success-one-book-and-bite-at-a-time/article2294543/" target="_blank">good personal finance reads</a>.</p>
<p>• One way to save money is to <strong>curb your debit card use</strong>. Follow these <a href="http://www.moneyville.ca/article/1111481--10-ways-to-curb-your-debit-card-habit" target="_blank">10 tips to help you slow down your debit card spending</a>.</p>
<p>• If you relocate for work, you can deduct that expense when you file your <strong>income tax return</strong>. Based on this <a href="http://business.financialpost.com/2012/01/07/tax-case-affects-eligibility-to-write-off-moving-expenses/" target="_blank">court decision</a>, you might be able to deduct your moving expenses even if you haven’t switched employers or your workplace location.</p>
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