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	<description>helping women get smart about money</description>
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		<title>When grown kids ask for money</title>
		<description><![CDATA[‘To give or not to give’ is the age-old question that parents of adult children often contemplate. When I am asked for advice on this topic my response is always the same: ‘neither a lender nor a borrower be’ especially when it comes to family and friends.  In my experience, the costs far exceed the [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/when-grown-kids-ask-for-money/</link>
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		<title>Is your marriage ‘financially’ sound?</title>
		<description><![CDATA[The merging of two financial lives into one can create havoc on even the strongest of relationships and especially if money talks were never tackled beforehand. Ideally, financial discussions should have happened long before the marriage; however, it is never too late to try to understand your partner&#8217;s feelings about money and how compatible they [...]]]></description>
		<link>http://www.itshermoney.com/money-advice-for-women/is-your-marriage-%e2%80%98financially%e2%80%99-sound/</link>
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		<title>5 simple money principles to teach your kids</title>
		<description><![CDATA[Whether you know it or not, you are teaching your kids every day about the value of money by how you spend it, save it, invest it or waste it. Qualified or not, you are their money coach and they will learn by watching and listening to your every move. If this concerns you, not [...]]]></description>
		<link>http://www.itshermoney.com/kids-and-money/5-simple-money-principles-to-teach-your-kids/</link>
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		<title>Are you in shape? Take the &#8216;Summer Shape-up&#8217; test?</title>
		<description><![CDATA[Get the skinny on your financial ‘well being’ by taking the Summer Shape up Quiz.  Quiz         1.       I earn enough money each month to pay all my bills? Yes/No  2.       I have enough money saved to pay for emergency or unexpected costs?  Yes/No  3.       I have written financial goals?  Yes/No  4.       I have a written [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/are-you-in-shape-take-the-summer-shape-up-test/</link>
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		<title>&#8217;6 things you MUST-DO to ensure your family survives a job loss&#8217;</title>
		<description><![CDATA[Nobody takes pleasure in suddenly becoming unemployed. Just the ‘prospect’ alone can be very overwhelming and stressful. Often the worry or anxiety comes from feeling you have no control over the situation. This is partially true, you may not be able to control what your employer does but you can control to some extent how [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/6-things-you-must-do-to-ensure-your-family-survives-a-job-loss/</link>
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		<title>The best use of your tax refund</title>
		<description><![CDATA[Do you remember the good old days when spending our tax refund frivolously wasn’t such a big deal? Our jobs were stable, house values seemed to be on a never-ending climb and the stock market was booming. Things were looking pretty good.  Well, we are all feeling a little less wealthy these days; our portfolios [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/what-should-i-do-with-my-tax-refund/</link>
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		<title>What the heck is a recession?</title>
		<description><![CDATA[What the heck is a recession? Well we now know that we are officially in one, so what the heck is it? In simple terms, a recession is when the economy stops growing and for the most part, starts going in reverse. Technically it is described as two or more consecutive quarters of negative growth [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/what-the-heck-is-a-recession/</link>
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		<title>A man is NOT your retirement plan!</title>
		<description><![CDATA[I always advise women of two things, first take care of your personal finances throughout your years ‘as if you had to’. And  second, save regularly regardless of your financial health. This was the adage of a client I dealt with years ago. A lesson learned when her husband of 25 years walked out and [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/a-man-is-not-your-financial-plan/</link>
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		<title>Why women need to plan for their own retirement!</title>
		<description><![CDATA[As women, we are likely to outlive our spouses or partners by an average of 5 years. Although this may seem financially insignificant when planning for a 20 to 25 year retirement, it could potentially be our most expensive years. Things Women Need To Know  80% of men die married, while 80% of women die [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/why-women-need-to-plan-for-their-own-retirement/</link>
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		<title>RRSP&#8217;s versus your mortgage- the great debate</title>
		<description><![CDATA[One of the most frequent questions I am asked is whether one should pay down their mortgage or invest in their RRSP’s. Although I am a big believer that financial freedom is achieved first and foremost by being mortgage free, there are a few factors that play into the equation such as, the return on [...]]]></description>
		<link>http://www.itshermoney.com/money-advice-for-women/rrsp-versus-your-mortgage-the-great-debate/</link>
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		<title>A new year, a new start</title>
		<description><![CDATA[By the time we have surpassed our late thirties, early forties and ventured well into our mid-life years we will have likely experienced many life defining events.    ‘We merged our lives with others, married and had children. We’ve survived divorce. We became empty nesters. Or perhaps we stayed single but had meaningful relationships along the [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/a-new-year-a-new-start/</link>
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		<title>The basics on the new &#8216;tax free savings accounts&#8217;</title>
		<description><![CDATA[Things to know about the new Tax Free Savings Starting January 1, 2009, the Tax Free Savings Accounts are available for Canadian residents who are at least 18 years of age. You can contribute up to a maximum of $5000 a year. Any unused contribution room gets carried over to the following year.  Withdrawals from [...]]]></description>
		<link>http://www.itshermoney.com/financial-advice-for-women/itshermoney-tax-free-savings-accounts/</link>
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		<title>Live by design &#8211; how to create the life you want</title>
		<description><![CDATA[Are you living the life today that you envisioned you would be living 5, 10 or even 20 years ago? Are you content with most, if not all, of the many components that make up your world: your family, friends, career, health, finances, spirituality and community? If yes congratulations, that is no small feat to [...]]]></description>
		<link>http://www.itshermoney.com/women-tips-money/itshermoney-live-by-design/</link>
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		<title>Do you have an emergency plan in place?</title>
		<description><![CDATA[ In the last few issues of ‘itsHERmoney’ we discussed the importance of organizing the 5 rooms of one’s financial house; our personal debt room, our savings plan room, our retirement plan room, our estate plan room and our insurance needs room. Last month we tackled the topic of managing and understanding our ‘debt room’. In [...]]]></description>
		<link>http://www.itshermoney.com/financial-advice-for-women/do-you-have-an-emergency-plan-in-place/</link>
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		<title>Tips to reducing your debt</title>
		<description><![CDATA[In the last issue of itsHERmoney, we discussed the importance of decluttering your financial house, as clutter and chaos tend to go hand in hand. Hopefully you have had the chance to tackle the mounds of paper that represent your financial house and separate the ‘must keep’ documents from the ‘shred now’ stuff. And even [...]]]></description>
		<link>http://www.itshermoney.com/money-advice-for-women/debt-debt-reduction-boomer-women-wealth-advice/</link>
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