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	<title>Janea Bellay</title>
	<link>http://www.janeabellay.com</link>
	<description>Life &#38; Heath Insurance Advisor and Mutual Funds Advisor</description>
	<lastBuildDate>Mon, 26 Jul 2010 21:50:43 +0000</lastBuildDate>
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	<item>
		<title>July 2010 eNewsletter</title>
		<description><![CDATA[IN THIS ISSUE:

Are GICs a good investment choice?
How I help you achieve your DREAMS

 
Are GIC’s a good investment choice?
What Is A Guaranteed Investment Certificate?
GICs is an investment product (like mutual funds, bonds) that guarantees you to protect your principle (the amount you put in) with a guaranteed income for a particular period of time.
How Do [...]]]></description>
		<link>http://www.janeabellay.com/july-2010-enewsletter/</link>
			</item>
	<item>
		<title>Perils of a mortgage life policy</title>
		<description><![CDATA[Perils of a mortgage life policy
Insurance attached to your home loan can be a poor deal, Ellen Roseman explains
Published On Sun Apr 22 2007
Toronto Star By Ellen Roseman Personal Finance Columnist
You&#8217;re buying a house and taking out a big loan to pay for it. Now, the bank is asking whether you want life insurance.
Reluctant to [...]]]></description>
		<link>http://www.janeabellay.com/perils-of-a-mortgage-life-policy/</link>
			</item>
	<item>
		<title>June 2010 eNewseltter</title>
		<description><![CDATA[
IN THIS ISSUE:

Do I pay down my mortgage or invest for retirement?
Can a House be a Retirement Plan? By Peter Drake

 
Do I pay down my mortgage or invest for retirement?
I am asked a lot by clients if they should concentrate on paying off their mortgage, or concentrate on their retirement plan. When I explain to [...]]]></description>
		<link>http://www.janeabellay.com/june-2010-enewseltter/</link>
			</item>
	<item>
		<title>May 2010 Newsletter</title>
		<description><![CDATA[
IN THIS ISSUE:

Take the Financial Investor Literacy Test!
Answers to the Quiz!
Why use a Financial Advisor?

 
Take the Financial Investor Literacy Test!
1.    To the best of your knowledge, if you have invested in a mutual fund containing bonds or mortgages, and interest rates went up, what would happen to the value of your fund? Would the value [...]]]></description>
		<link>http://www.janeabellay.com/may-2010-newsletter/</link>
			</item>
	<item>
		<title>April 2010 Newsletter</title>
		<description><![CDATA[
IN THIS ISSUE:

Develop a Retirement Vision
What you will get from Janea Bellay as your Financial Advisor

 
Develop a Retirement Vision

If you don&#8217;t know where you are going, you will probably end up somewhere else.

—Lawrence J. Peter
When most people think of retirement, they imagine leaving a job they&#8217;re tired of, getting out of the rat race, and [...]]]></description>
		<link>http://www.janeabellay.com/april-2010-newsletter/</link>
			</item>
	<item>
		<title>March 2010 Newsletter</title>
		<description><![CDATA[When will you be able to retire?
Here&#8217;s what you need to be doing now for your retirement.
 
Sure you love your job, but do you want to be doing it when you&#8217;re 90?
You keep hearing it, and it&#8217;s true: it&#8217;s never too early to start putting money away for your retirement. But how much? Whether you&#8217;re [...]]]></description>
		<link>http://www.janeabellay.com/march-2010-newsletter/</link>
			</item>
	<item>
		<title>February 2010 Newsletter</title>
		<description><![CDATA[
IN THIS ISSUE!
March 1, 2010 is the deadline to have a 2009 RRSP contribution on your tax return. This issue will discuss how to get an RRSP, is it right for you, how to boost your RRSP, and other tax credits available to reduce the amount of tax you pay to the government!
 

What You Should [...]]]></description>
		<link>http://www.janeabellay.com/february-2010-newsletter/</link>
			</item>
	<item>
		<title>January 2010 Newsletter</title>
		<description><![CDATA[

Volume II, Issue ix, January 2010
As you experience life&#8217;s inevitable transitions, your need for financial advice will change. These articles contain valuable information and insights on a variety of issues you may need to consider during this time in your life. I would be pleased to meet with you to answer any questions and to [...]]]></description>
		<link>http://www.janeabellay.com/january-2010/</link>
			</item>
	<item>
		<title>November 2009 Newsletter</title>
		<description><![CDATA[

Volume II, Issue viii, November 2009
IN THIS ISSUE:

It’s Never Too Late 
Financial Planning for Women Only &#8211; PINK
Individual Health Benefits now offered

It’s Never Too Late
If you are 40 or 50 years old and, until now, your efforts were focused on financing your children’s education and paying off the mortgage, you need a wake up call! [...]]]></description>
		<link>http://www.janeabellay.com/november-2009-newsletter/</link>
			</item>
	<item>
		<title>October 2009 Newsletter</title>
		<description><![CDATA[
Volume II, Issue vii, October 2009
IN THIS ISSUE:

  Invest In Your Life – October is Breast Cancer Awareness Month
  Financial Planning for Women Only &#8211; PINK
  Individual Health Benefits now offered

 
Invest in Your Life
October is Breast Cancer Awareness Month.  I thought I would dedicate this newsletter to informing you of the options available to you [...]]]></description>
		<link>http://www.janeabellay.com/october-2009-newsletter/</link>
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