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	<title>The R-Plan Blog</title>
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	<link>http://www.afarber.com/blog</link>
	<description>A Farber &#38; Partners - Respectful Solutions to Debt Problems</description>
	<lastBuildDate>Fri, 11 May 2012 19:16:15 +0000</lastBuildDate>
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		<title>Prioritizing Your Bill Payments – How To Decide Who Gets Paid First</title>
		<link>http://www.afarber.com/blog/prioritizing-your-bill-payments-how-to-decide-who-gets-paid-first/</link>
		<comments>http://www.afarber.com/blog/prioritizing-your-bill-payments-how-to-decide-who-gets-paid-first/#comments</comments>
		<pubDate>Fri, 11 May 2012 19:16:08 +0000</pubDate>
		<dc:creator>Ivanna Chertyuk</dc:creator>
				<category><![CDATA[Bankruptcy Questions]]></category>
		<category><![CDATA[Dealing With Debt]]></category>
		<category><![CDATA[Debt Management Tips]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[avoiding bankruptcy in ontario]]></category>
		<category><![CDATA[bankruptcy trustee danforth]]></category>
		<category><![CDATA[bankruptcy trustee newmarket]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[trustee in bankruptcy toronto]]></category>

		<guid isPermaLink="false">http://www.afarber.com/blog/?p=115</guid>
		<description><![CDATA[It can be very stressful to deal with financial obligations. That is why many of us choose to deny the importance of paying our bills on time and start to hide monthly bills out of sight (and out of mind!). &#8230; <a href="http://www.afarber.com/blog/prioritizing-your-bill-payments-how-to-decide-who-gets-paid-first/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/prioritizing-your-bill-payments-how-to-decide-who-gets-paid-first/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>What Is Your Priority?  Your Children&#8217;s Education or Your Retirement?</title>
		<link>http://www.afarber.com/blog/what-is-your-priority-your-childrens-education-or-your-retirement/</link>
		<comments>http://www.afarber.com/blog/what-is-your-priority-your-childrens-education-or-your-retirement/#comments</comments>
		<pubDate>Thu, 10 May 2012 19:54:26 +0000</pubDate>
		<dc:creator>nirmala bhaskar</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[children and financial planning]]></category>
		<category><![CDATA[RESPs]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[RRSPs]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[university tuition and expenses]]></category>

		<guid isPermaLink="false">http://www.afarber.com/blog/?p=109</guid>
		<description><![CDATA[One of the biggest dilemmas now facing parents is the question of whether they should be putting away funds for their childrens&#8217; future university or college educational costs, or to begin placing money into an RRSP or TFSA for their &#8230; <a href="http://www.afarber.com/blog/what-is-your-priority-your-childrens-education-or-your-retirement/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/what-is-your-priority-your-childrens-education-or-your-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Help, I Owe Taxes &amp; I Don’t Know What To Do!</title>
		<link>http://www.afarber.com/blog/help-i-owe-taxes-i-dont-know-what-to-do-2/</link>
		<comments>http://www.afarber.com/blog/help-i-owe-taxes-i-dont-know-what-to-do-2/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 13:38:03 +0000</pubDate>
		<dc:creator>Ilan KIbel</dc:creator>
				<category><![CDATA[Bankruptcy Questions]]></category>
		<category><![CDATA[Bankruptcy Trustee Articles]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[bankruptcy and insolvency]]></category>
		<category><![CDATA[Canadian debts]]></category>
		<category><![CDATA[Consumer Proposal Ontario]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[money problems]]></category>
		<category><![CDATA[protection from creditors]]></category>
		<category><![CDATA[R-Plan]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[trustee in bankruptcy]]></category>

		<guid isPermaLink="false">http://www.afarber.com/blog/?p=96</guid>
		<description><![CDATA[Have you: Filed and paid your taxes every year? Set aside a portion of your self-employed income for taxes? Set aside any HST collected or payroll withholdings for your business? Set aside tax on any RRSP or investment income you &#8230; <a href="http://www.afarber.com/blog/help-i-owe-taxes-i-dont-know-what-to-do-2/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/help-i-owe-taxes-i-dont-know-what-to-do-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>What Should We Teach Our Kids About Money?</title>
		<link>http://www.afarber.com/blog/what-should-we-teach-our-kids-about-money/</link>
		<comments>http://www.afarber.com/blog/what-should-we-teach-our-kids-about-money/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 20:42:49 +0000</pubDate>
		<dc:creator>Cathy Chen</dc:creator>
				<category><![CDATA[Debt Management Tips]]></category>
		<category><![CDATA[financial responsibility]]></category>
		<category><![CDATA[kids and money]]></category>
		<category><![CDATA[permissive parenting]]></category>

		<guid isPermaLink="false">http://www.afarber.com/blog/?p=85</guid>
		<description><![CDATA[When it comes to parenting skills, most of us aren’t doing a very good job of teaching our kids about money management and personal financial responsibility.  Some parents think kids will learn about money management by themselves when they get &#8230; <a href="http://www.afarber.com/blog/what-should-we-teach-our-kids-about-money/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/what-should-we-teach-our-kids-about-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Canadian Consumers Continue To Amass Significant Amounts of Debt</title>
		<link>http://www.afarber.com/blog/canadian-consumers-continue-to-amass-significant-amounts-of-debt-2/</link>
		<comments>http://www.afarber.com/blog/canadian-consumers-continue-to-amass-significant-amounts-of-debt-2/#comments</comments>
		<pubDate>Mon, 09 Apr 2012 16:25:53 +0000</pubDate>
		<dc:creator>Graham Morris</dc:creator>
				<category><![CDATA[Debt Management Tips]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.afarber.com/blog/?p=77</guid>
		<description><![CDATA[Canadian consumers continue to build up significant amounts of debt.  A recent report by the C.D.Howe Institute found that “debt levels (in Canada) associated with consumer credit are higher that at any point in recent history”.  Even more startling?  These &#8230; <a href="http://www.afarber.com/blog/canadian-consumers-continue-to-amass-significant-amounts-of-debt-2/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/canadian-consumers-continue-to-amass-significant-amounts-of-debt-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>If I have debts and I return to Canada, will I be arrested at the border?</title>
		<link>http://www.afarber.com/blog/if-i-have-debts-and-i-return-to-canada-will-i-be-arrested-at-the-border/</link>
		<comments>http://www.afarber.com/blog/if-i-have-debts-and-i-return-to-canada-will-i-be-arrested-at-the-border/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 14:41:09 +0000</pubDate>
		<dc:creator>Lloyd Wasser</dc:creator>
				<category><![CDATA[Bankruptcy Questions]]></category>
		<category><![CDATA[Canadian debts]]></category>
		<category><![CDATA[consumer proposal]]></category>
		<category><![CDATA[Consumer Proposal Ontario]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[protection from creditors]]></category>
		<category><![CDATA[Trustee in Bankruptcy Ontario]]></category>

		<guid isPermaLink="false">http://afarber.com/blog/?p=66</guid>
		<description><![CDATA[One of the most frequently-asked questions our Customer Care team receives from callers living abroad are about what could happen to them if they wish to return to Canada but have debts owing to Canadian banks and financial firms, as &#8230; <a href="http://www.afarber.com/blog/if-i-have-debts-and-i-return-to-canada-will-i-be-arrested-at-the-border/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/if-i-have-debts-and-i-return-to-canada-will-i-be-arrested-at-the-border/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Sandwich Generation Is Crushed By Debt From Many Sides</title>
		<link>http://www.afarber.com/blog/the-sandwich-generation-is-crushed-by-debt-from-many-sides/</link>
		<comments>http://www.afarber.com/blog/the-sandwich-generation-is-crushed-by-debt-from-many-sides/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 14:37:36 +0000</pubDate>
		<dc:creator>Lloyd Wasser</dc:creator>
				<category><![CDATA[Bankruptcy Trustee Articles]]></category>
		<category><![CDATA[bankruptcy and insolvency]]></category>
		<category><![CDATA[consumer proposal]]></category>
		<category><![CDATA[senior citizens and debt]]></category>

		<guid isPermaLink="false">http://afarber.com/blog/?p=63</guid>
		<description><![CDATA[Much has been written recently about &#8220;the sandwich generation&#8221;, those of us at a time in our lives where we are caring for our children AND for aging parents.  While invisible to the general population, the financial pressures and debt &#8230; <a href="http://www.afarber.com/blog/the-sandwich-generation-is-crushed-by-debt-from-many-sides/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/the-sandwich-generation-is-crushed-by-debt-from-many-sides/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>We get letters…</title>
		<link>http://www.afarber.com/blog/we-get-letters/</link>
		<comments>http://www.afarber.com/blog/we-get-letters/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 16:33:28 +0000</pubDate>
		<dc:creator>Lloyd Wasser</dc:creator>
				<category><![CDATA[Feedback]]></category>
		<category><![CDATA[consumer proposal]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[R-Plan]]></category>
		<category><![CDATA[trustee in bankruptcy]]></category>

		<guid isPermaLink="false">http://dev.searchkings.ca/afarber/blog/?p=43</guid>
		<description><![CDATA[Helping people when they are at one of the lowest points in their lives in what we do best at A. Farber &#38; Partners.  All of our staff are dedicated to helping people alleviate the financial pressures they are experiencing &#8230; <a href="http://www.afarber.com/blog/we-get-letters/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/we-get-letters/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Make tax planning your New Year’s Resolution</title>
		<link>http://www.afarber.com/blog/make-tax-planning-your-new-years-resolution/</link>
		<comments>http://www.afarber.com/blog/make-tax-planning-your-new-years-resolution/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 16:13:27 +0000</pubDate>
		<dc:creator>Jeremy Kroll</dc:creator>
				<category><![CDATA[Debt Management Tips]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[consumer proposal]]></category>
		<category><![CDATA[new year's resolution]]></category>
		<category><![CDATA[R-Plan]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[trustee in bankruptcy]]></category>

		<guid isPermaLink="false">http://dev.searchkings.ca/afarber/blog/?p=30</guid>
		<description><![CDATA[Many of us are considering our lists of New Year’s Resolutions.  How about adding this one to the top of your list?   One of your major 2011 Resolutions should  be to clean up your unfiled and unpaid GST, PST, HST, payroll taxes and &#8230; <a href="http://www.afarber.com/blog/make-tax-planning-your-new-years-resolution/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/make-tax-planning-your-new-years-resolution/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Perils Of Gambling &#8211; Thoughts from a Trustee in Bankruptcy</title>
		<link>http://www.afarber.com/blog/the-perils-of-gambling-thoughts-from-a-trustee-in-bankruptcy/</link>
		<comments>http://www.afarber.com/blog/the-perils-of-gambling-thoughts-from-a-trustee-in-bankruptcy/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 20:40:30 +0000</pubDate>
		<dc:creator>Diane Hessel</dc:creator>
				<category><![CDATA[Bankruptcy Trustee Articles]]></category>
		<category><![CDATA[gambling]]></category>
		<category><![CDATA[money problems]]></category>
		<category><![CDATA[stress]]></category>

		<guid isPermaLink="false">http://dev.searchkings.ca/afarber/blog/?p=5</guid>
		<description><![CDATA[Gambling comes in many forms these days &#8211; lottery tickets, bingo, casino slot machines and card games, poker tournaments &#8211; and just because most gambling is legal does not mean it can’t have a serious, financially detrimental, effect on your &#8230; <a href="http://www.afarber.com/blog/the-perils-of-gambling-thoughts-from-a-trustee-in-bankruptcy/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.afarber.com/blog/the-perils-of-gambling-thoughts-from-a-trustee-in-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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