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	<title>Nelmes Financial &#124; Conversations about Money &#187; Financial</title>
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	<link>http://www.nelmes.ca</link>
	<description>Insurance and Retirement Planning</description>
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		<title>Simple Wealth Creation</title>
		<link>http://www.nelmes.ca/simple-wealth-creation/</link>
		<comments>http://www.nelmes.ca/simple-wealth-creation/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 19:31:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt / Cashflow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Financial Advisor]]></category>
		<category><![CDATA[Fraser Valley]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[Planner]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Surrey]]></category>
		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=565</guid>
		<description><![CDATA[Sitting with people and hearing their stories, reading many books on wealth creation, it seems creating wealth is simple.  Many high net worth people have average incomes, and a great lifestyle.  The story seems to always be the same, saved money while quickly paying down their mortgage and avoid other debt.  It never seems to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Why Review Your Insurance?</title>
		<link>http://www.nelmes.ca/why-review-your-insurance/</link>
		<comments>http://www.nelmes.ca/why-review-your-insurance/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 19:07:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Advisor]]></category>
		<category><![CDATA[Clayton]]></category>
		<category><![CDATA[Financial Advisor]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[Surrey]]></category>
		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=562</guid>
		<description><![CDATA[Too often reviewing your current insurance coverage is left too long, so why is it important?  Often in reviewing a new client’s existing coverage we discover cost savings, errors and that the coverage no longer fits their situation.  I have included a few examples below.

On Life insurance it is important to make sure you beneficiary [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Unexpected is Predicable</title>
		<link>http://www.nelmes.ca/the-unexpected-is-predicable/</link>
		<comments>http://www.nelmes.ca/the-unexpected-is-predicable/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 18:02:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt / Cashflow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Advisor]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Surrey]]></category>
		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=559</guid>
		<description><![CDATA[I find that many who are in debt tell a similar story, “I was ok then I was hit by a couple unexpected expenses.” Personally I cannot remember a year in my adult life that unexpected expenses have not shown up, and this is excluding property tax or other annual expenses that often get lumped [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A simple tool to grow your Net Worth</title>
		<link>http://www.nelmes.ca/a-simple-tool-to-grow-your-net-worth/</link>
		<comments>http://www.nelmes.ca/a-simple-tool-to-grow-your-net-worth/#comments</comments>
		<pubDate>Fri, 17 Jun 2011 23:36:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Advisor]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[Net Worth]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=553</guid>
		<description><![CDATA[Every month most of us receive a list of bills, payments taken from your account, a constant reminder of how much you owe, and the mountain of expenses most face each month.  This contrasts the positive statements we get, such as, investment statements, equity and value of your home, which are sent out quarterly or [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Adult Children and Parental Debt</title>
		<link>http://www.nelmes.ca/adult-children-and-parental-debt/</link>
		<comments>http://www.nelmes.ca/adult-children-and-parental-debt/#comments</comments>
		<pubDate>Thu, 07 Apr 2011 00:06:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt / Cashflow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Guest Posts]]></category>
		<category><![CDATA[bc]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Fraser Valley]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[Surrey]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=546</guid>
		<description><![CDATA[By Bonnie Krisher
The end of the email read “Thanks for your call and making me not feel bad for what we have to do.”  This is a direct quote from a gentleman in his mid-fifties needing help with his debt.  During our initial phone conversation, he told me that his children were grown and did [...]]]></description>
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		<title>Interesting Parenting Book</title>
		<link>http://www.nelmes.ca/interesting-parenting-book/</link>
		<comments>http://www.nelmes.ca/interesting-parenting-book/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 19:17:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Book]]></category>
		<category><![CDATA[Langley]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=541</guid>
		<description><![CDATA[Today I final got a copy of the book “Keys for Moms” by Kasia Rachfall.  It was a great read!  Of course being a father it was not directly targeted to me, but the content was relevant just the same.  I always like to read local works like this, as she is a Langley resident [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>RRSP to Pay Down Credit Cards</title>
		<link>http://www.nelmes.ca/rrsp-to-pay-down-credit-cards/</link>
		<comments>http://www.nelmes.ca/rrsp-to-pay-down-credit-cards/#comments</comments>
		<pubDate>Mon, 28 Feb 2011 20:44:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt / Cashflow]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[RRSP]]></category>
		<category><![CDATA[Advisor]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[nelmes]]></category>
		<category><![CDATA[Planner]]></category>
		<category><![CDATA[RSP]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=535</guid>
		<description><![CDATA[Often once you get behind on a credit card it is hard to catch back up at the often high interest rates.  In some circumstances an RRSP (Registered Retirement Savings Plan) can help. If you are making a credit card payment each month at a high interest rate, it is often close to the payment [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>RRSP Deadline</title>
		<link>http://www.nelmes.ca/rrsp-deadline/</link>
		<comments>http://www.nelmes.ca/rrsp-deadline/#comments</comments>
		<pubDate>Fri, 25 Feb 2011 17:05:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[RRSP]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[RSP]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Surrey]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=531</guid>
		<description><![CDATA[The 2010 RRSP deadline is March 1 2011.  If you are planning to get an RRSP (Registered Retirement Savings Plan) this year time is running out.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing with Values</title>
		<link>http://www.nelmes.ca/investing-with-values/</link>
		<comments>http://www.nelmes.ca/investing-with-values/#comments</comments>
		<pubDate>Thu, 24 Feb 2011 17:10:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[RSP]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Socially Responsible Investing]]></category>
		<category><![CDATA[SRI]]></category>
		<category><![CDATA[Surrey]]></category>
		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=521</guid>
		<description><![CDATA[There is no doubt many things in the world are currently broken, and it no secret that money is often a motivation for many of these issues.  When choosing where to invest your money there is an option that I like, as it fits with my values.  SRI or Socially Responsible Investing.  This option varies [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>RRSP Calculator</title>
		<link>http://www.nelmes.ca/rrsp-calculator/</link>
		<comments>http://www.nelmes.ca/rrsp-calculator/#comments</comments>
		<pubDate>Wed, 23 Feb 2011 16:36:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[RRSP]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Langley]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[nelmes]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[RSP]]></category>
		<category><![CDATA[Surrey]]></category>
		<category><![CDATA[Vancouver]]></category>

		<guid isPermaLink="false">http://www.nelmes.ca/?p=514</guid>
		<description><![CDATA[It is common to wonder how much difference your RRSP (Registered Retirement Savings Plan) contribution will make.  Below is a link to a great online tool that can help you plan and make sure you get the most from your money.
http://www.fidelity.ca/cs/Satellite/en/public/education_planning/calculators/tax
]]></description>
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