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		<title>PERSONAL CHOICE MORTGAGE SERVICES INC. NEWSLETTER &#124; MAY 2012 &#124; ISSUE #5</title>
		<link>http://www.pcmortgages.com/press/?p=152</link>
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		<pubDate>Thu, 03 May 2012 17:25:45 +0000</pubDate>
		<dc:creator>PCM</dc:creator>
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		<description><![CDATA[Mortgage Fraud: How to Protect Yourself When Buying or Refinancing a Home   The promise of a quick profit in real estate can be hard to resist. But consumers who misrepresent information when buying or refinancing a home could end up being responsible for any shortfall when the property is sold. If the misrepresentation is [...]]]></description>
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		<title>PERSONAL CHOICE MORTGAGE SERVICES INC. NEWSLETTER &#124; APRIL 2012 &#124; ISSUE #4</title>
		<link>http://www.pcmortgages.com/press/?p=148</link>
		<comments>http://www.pcmortgages.com/press/?p=148#comments</comments>
		<pubDate>Tue, 03 Apr 2012 16:54:28 +0000</pubDate>
		<dc:creator>PCM</dc:creator>
				<category><![CDATA[News]]></category>

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		<description><![CDATA[Government help for the first-time homebuyer:   Home Buyers Plan One of the most well-known, utilized programs is the Home Buyers Plan. This plan allows eligible people to withdraw up to $25,000 tax free from their Registered Retirement Savings Plan (RRSP) to purchase or build a qualifying home. To qualify as a first-time home buyer [...]]]></description>
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		<title>Personal Choice Mortgage Services Inc. Newsletter &#124; MARCH 2012 &#124; ISSUE #3</title>
		<link>http://www.pcmortgages.com/press/?p=142</link>
		<comments>http://www.pcmortgages.com/press/?p=142#comments</comments>
		<pubDate>Mon, 05 Mar 2012 21:31:38 +0000</pubDate>
		<dc:creator>PCM</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.pcmortgages.com/press/?p=142</guid>
		<description><![CDATA[Debt reduction tips for Boomers As Boomers get closer to retirement age, many are still loaded down by debt. This is an issue because their income will be greatly reduced during retirement and paying down debt will be increasingly more difficult. The best idea is to clear the debt first. The experts from Desjardins Financial [...]]]></description>
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		<title>Personal Choice Mortgage Services Inc. Newsletter &#124; FEBRUARY 2012 &#124; ISSUE #2</title>
		<link>http://www.pcmortgages.com/press/?p=138</link>
		<comments>http://www.pcmortgages.com/press/?p=138#comments</comments>
		<pubDate>Wed, 01 Feb 2012 18:53:25 +0000</pubDate>
		<dc:creator>PCM</dc:creator>
				<category><![CDATA[News]]></category>

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		<description><![CDATA[“Living for today, saving for tomorrow” Saving for retirement may not be number one on your list of 2012 intentions, however it&#8217;s important to start saving as early in the year – and your lifetime – as you can. Canadians who haven&#8217;t yet set up their retirement savings can help secure their financial future by [...]]]></description>
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		<title>Personal Choice Mortgage Services Inc. Newsletter &#124; JANUARY 2012 &#124; ISSUE #1</title>
		<link>http://www.pcmortgages.com/press/?p=134</link>
		<comments>http://www.pcmortgages.com/press/?p=134#comments</comments>
		<pubDate>Fri, 06 Jan 2012 16:42:15 +0000</pubDate>
		<dc:creator>PCM</dc:creator>
				<category><![CDATA[News]]></category>

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		<description><![CDATA[“Tips for First Time Home Buyers” You have finished school and you&#8217;ve managed to land yourself a decent job. Finally in a position where you are financially stable, and you may be ready to take the next step in your life and buy a house. No more having to deal with crazy roommates or strict [...]]]></description>
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		<title>Mary Carey, Voted #1 Mortgage Broker in Hamilton by Readers Choice</title>
		<link>http://www.pcmortgages.com/press/?p=130</link>
		<comments>http://www.pcmortgages.com/press/?p=130#comments</comments>
		<pubDate>Tue, 01 Nov 2011 18:53:34 +0000</pubDate>
		<dc:creator>PCM</dc:creator>
				<category><![CDATA[News]]></category>

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		<description><![CDATA[Mary Carey, Owner of VERICO Personal Choice, in Hamilton, ON has won the coveted Hamilton Spectator’s Readers Choice Platinum Award. This well respected annual award covers a wide variety of businesses in the city, from best restaurant to best mortgage broker and more. This is the fourth time that Mary has been recognized in the [...]]]></description>
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		<title>Personal Choice Mortgage Services Inc. Newsletter &#124; MARCH 2011 &#124; ISSUE #3</title>
		<link>http://www.pcmortgages.com/press/?p=126</link>
		<comments>http://www.pcmortgages.com/press/?p=126#comments</comments>
		<pubDate>Tue, 01 Mar 2011 13:28:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Canadian Consumer Handbook]]></category>
		<category><![CDATA[Kitchen on a Budget]]></category>
		<category><![CDATA[Value in Your Home]]></category>

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		<description><![CDATA[Create Value in Your Home How do I increase the value of my property? That’s the question on every homeowners mind. There are two key survival strategies. The first is to think long term, have a plan and stick to it. History shows that this plan of action can pay off. The second tactic is [...]]]></description>
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		<title>Personal Choice Mortgage Services Inc. Newsletter &#124; FEBRUARY 2011 &#124; ISSUE #2</title>
		<link>http://www.pcmortgages.com/press/?p=115</link>
		<comments>http://www.pcmortgages.com/press/?p=115#comments</comments>
		<pubDate>Tue, 01 Feb 2011 13:12:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[amortization period]]></category>
		<category><![CDATA[Mortgage Rules]]></category>
		<category><![CDATA[payment options]]></category>
		<category><![CDATA[Valentine’s Day]]></category>

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		<description><![CDATA[New Mortgage Rules Introduced in 2011 On January 17, 2011, Minister of Finance, Jim Flaherty, announced prudent adjustments to the rules for government-backed insured mortgages to support the long-term stability of Canada’s housing market and support hard-working Canadian families saving through home ownership. “Canada’s well-regulated housing sector has been an important strength that allowed us [...]]]></description>
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		<title>Personal Choice Mortgage Services Inc. Newsletter &#124; DECEMBER 2010 &#124; ISSUE #12</title>
		<link>http://www.pcmortgages.com/press/?p=121</link>
		<comments>http://www.pcmortgages.com/press/?p=121#comments</comments>
		<pubDate>Wed, 01 Dec 2010 13:22:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Approved for a Mortgage]]></category>
		<category><![CDATA[Holiday Cards]]></category>
		<category><![CDATA[Resolutions]]></category>

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		<description><![CDATA[Goal Setting Keeps Resolutions on Track January is a popular time of year to set resolutions for physical fitness, personal finance or new career directions. But with the declaration of failed resolutions in February becoming as much of a ritual as the resolutions themselves, it’s worthwhile to take a look at how you approach setting [...]]]></description>
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		<title>Personal Choice Mortgage Services Inc. Newsletter &#124; NOVEMBER 2010 &#124; ISSUE #11</title>
		<link>http://www.pcmortgages.com/press/?p=111</link>
		<comments>http://www.pcmortgages.com/press/?p=111#comments</comments>
		<pubDate>Mon, 01 Nov 2010 13:04:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[CMHC]]></category>
		<category><![CDATA[Financial Muscle]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Managing]]></category>
		<category><![CDATA[Sleep]]></category>

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		<description><![CDATA[Managing Your Mortgage What You Should Think About When Financing Your Home If you’re like most Canadians, your home is probably the most important investment you’ll ever make. Whether you’re buying a home or refinancing your existing home, making the right decision now can help save you money and provide greater financial stability for your [...]]]></description>
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