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	<title>Smart Canadian &#187; Money</title>
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	<description>Being A Smart Canadian</description>
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		<title>Canadian Savings Accounts &#8211; Some Tips</title>
		<link>http://smartcanadian.ca/2012/05/05/canadian-savings-accounts-some-tips/</link>
		<comments>http://smartcanadian.ca/2012/05/05/canadian-savings-accounts-some-tips/#comments</comments>
		<pubDate>Sat, 05 May 2012 22:18:02 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[What They Say]]></category>
		<category><![CDATA[Guaranteed Investment Certificate]]></category>
		<category><![CDATA[Online banking]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=969</guid>
		<description><![CDATA[The Toronto Star recently ran a column on Canadian bank savings accounts. While the column is not complete in terms of defining which account offers the best return, it is a handy tool. Here is the summary of the article. It’s tough to find a good interest rate on your savings these days. The big [...]]]></description>
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		<title>RBC Rewards Points Conversion to Shoppers Optimum Points: An Analysis</title>
		<link>http://smartcanadian.ca/2012/04/30/rbc-rewards-points-conversion-to-shoppers-optimum-points-an-analysis/</link>
		<comments>http://smartcanadian.ca/2012/04/30/rbc-rewards-points-conversion-to-shoppers-optimum-points-an-analysis/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 13:54:33 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Latest]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[POINTS & MORE]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[loyalty programs]]></category>
		<category><![CDATA[RBC]]></category>
		<category><![CDATA[rbc rewards points]]></category>
		<category><![CDATA[Royal Bank of Canada]]></category>
		<category><![CDATA[shoppers]]></category>
		<category><![CDATA[shoppers optimum points]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=960</guid>
		<description><![CDATA[The Royal Bank of Canada (RBC) is giving an opportunity to convert its RBC rewards Points to Shoppers/Pharmarprix Optimum Points. For the first conversion, you will get 8000 Optimum Points for a minimum 1,500 RBC Rewards Points. Thereafter for every 500 RP, you will receive 2,500 OP. I have an RBC Signature Rewards Visa Card, [...]]]></description>
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		<title>Credit Card Users Opting for Cash Back</title>
		<link>http://smartcanadian.ca/2012/04/22/credit-card-users-opting-for-cash-back/</link>
		<comments>http://smartcanadian.ca/2012/04/22/credit-card-users-opting-for-cash-back/#comments</comments>
		<pubDate>Sun, 22 Apr 2012 20:07:01 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[What They Say]]></category>
		<category><![CDATA[Loyalty program]]></category>
		<category><![CDATA[MasterCard]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=956</guid>
		<description><![CDATA[SOURCE: THE GLOBE AND MAIL &#160; It’s better to have some cash in your jeans than to wait for the trip of your dreams. Call it the show-me-the-money approach to credit card rewards. A growing number of people are using cards that generate cash rewards paid every year instead of trying to accumulate travel points [...]]]></description>
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		<title>MBNA WorldPoints TravelRewards MasterCard Discontinued</title>
		<link>http://smartcanadian.ca/2012/04/08/mbna-worldpoints-travelrewards-mastercard-discontinued/</link>
		<comments>http://smartcanadian.ca/2012/04/08/mbna-worldpoints-travelrewards-mastercard-discontinued/#comments</comments>
		<pubDate>Sun, 08 Apr 2012 15:38:24 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Latest]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[POINTS & MORE]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Loyalty program]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=935</guid>
		<description><![CDATA[MBNA is replacing its MBNA WorldPoints TravelRewards MasterCard with mbna rewards travel MasterCard as of April 20, 2012. According to a letter sent to customers by MBNA, nothing else changes – the same redemption options and same points system. &#160; Reward Options You can ask for cash-back, at a rate of $100.00 per 10,000 points. [...]]]></description>
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		<title>Tax 2011 &#8211; For Students Studying Abroad</title>
		<link>http://smartcanadian.ca/2012/04/01/tax-2011-for-students-studying-abroad/</link>
		<comments>http://smartcanadian.ca/2012/04/01/tax-2011-for-students-studying-abroad/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 03:54:10 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Tax credit]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=931</guid>
		<description><![CDATA[Canada’s tax law allows you to claim tuition and some other expenses as refundable tax credits if you had paid to follow educational programs outside of the country as well. To be eligible for the Canada Tuition Tax Refunds, this educational institution outside of Canada has to be recognized as an institution of higher education [...]]]></description>
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		<title>Cheques Hold-Time to be Reduced</title>
		<link>http://smartcanadian.ca/2012/03/19/cheques-hold-time-to-be-reduced/</link>
		<comments>http://smartcanadian.ca/2012/03/19/cheques-hold-time-to-be-reduced/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 04:27:35 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Latest]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Automated teller machine]]></category>
		<category><![CDATA[Bank]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[Cheque]]></category>
		<category><![CDATA[Financial institution]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=910</guid>
		<description><![CDATA[Canada is changing rules related to financial institutions like banks releasing funds for deposited chques. Under new guidelines, if a cheque has a value of less than $ 1,500.00, the hold on it for personal and small businesses will be reduced to a maximum of four business days, starting from the day after it was [...]]]></description>
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		<title>CRA Warns About Email Scam</title>
		<link>http://smartcanadian.ca/2012/03/18/cra-warns-about-email-scam/</link>
		<comments>http://smartcanadian.ca/2012/03/18/cra-warns-about-email-scam/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 18:47:15 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Latest]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Canada Revenue Agency]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[E-mail fraud]]></category>
		<category><![CDATA[Personally identifiable information]]></category>
		<category><![CDATA[Phishing]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=906</guid>
		<description><![CDATA[The Canada Revenue Agency (CRA) is warning about email scams intended to get your personal information. The scam comes in the form of an email, purportedly from the CRA and asking you for your personal information, or to click on a link to get your refund. The CRA says it does not ask for personal [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Tips for Seniors</title>
		<link>http://smartcanadian.ca/2012/03/14/tax-tips-for-seniors/</link>
		<comments>http://smartcanadian.ca/2012/03/14/tax-tips-for-seniors/#comments</comments>
		<pubDate>Thu, 15 Mar 2012 03:28:02 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[What They Say]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[canada revenue agency (cra)]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[tax 2011. seniors]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=895</guid>
		<description><![CDATA[SOURCE: THE STAR My 78-year-old mother is incredibly organized, particularly when it comes to her finances. She keeps all of her income tax receipts in one folder, along with information about her investments, property taxes, and her medical expenses. That’s a huge help when it comes to income tax time. If you’re caring for an [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>An End to Unsolicited Credit Card Cheques</title>
		<link>http://smartcanadian.ca/2012/03/14/an-end-to-unsolicited-credit-card-cheques/</link>
		<comments>http://smartcanadian.ca/2012/03/14/an-end-to-unsolicited-credit-card-cheques/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 04:12:07 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[convenience cheques]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=891</guid>
		<description><![CDATA[The Canadian government is bringing in new regulations requiring credit companies to stop sending unsolicited convenience cheques to customers. These cheques usually offer low interest rates, some times as low as 1.99%, for a specific period, like six months, after which the regular interest rate will kick-in. They can be used for purchases, balance transfer [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Code to Help Understand Mortgage Prepayment Penalty</title>
		<link>http://smartcanadian.ca/2012/03/11/new-code-to-help-understand-mortgage-prepayment-penalty/</link>
		<comments>http://smartcanadian.ca/2012/03/11/new-code-to-help-understand-mortgage-prepayment-penalty/#comments</comments>
		<pubDate>Sun, 11 Mar 2012 19:23:14 +0000</pubDate>
		<dc:creator>smartcanadian</dc:creator>
				<category><![CDATA[Feature]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[canada]]></category>
		<category><![CDATA[canadian bankers association]]></category>
		<category><![CDATA[financial consumer agency of canada (fcac)]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage prepayment]]></category>
		<category><![CDATA[mortgage prepayment penaties]]></category>

		<guid isPermaLink="false">http://smartcanadian.ca/?p=872</guid>
		<description><![CDATA[If you are thinking about pre-paying your mortgage but are reluctant because of prepayment penalty and the complexity of the issue, help is on your way. The Canadian government has issued a new code for banks to be more transparent about the penalties for prepayment and help clients understand how they are arrived at. Under [...]]]></description>
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