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	<title>Mortgage Superhero® &#187; Tips and Advice</title>
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		<title>Should you pay down your mortgage or use the funds to contribute to your RSP?  An interesting opinion in this current investment environment.</title>
		<link>http://mortgagesuperhero.com/should-you-pay-down-your-mortgage-or-use-the-funds-to-contribute-to-your-rsp-an-interesting-opinion-in-this-current-investment-environment/</link>
		<comments>http://mortgagesuperhero.com/should-you-pay-down-your-mortgage-or-use-the-funds-to-contribute-to-your-rsp-an-interesting-opinion-in-this-current-investment-environment/#comments</comments>
		<pubDate>Wed, 11 Aug 2010 02:33:57 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Downsizing your Mortgage]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Prepayments]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1311</guid>
		<description><![CDATA[This is a question I receive from my clients quite often &#8220;Should I use my extra funds to pay down my mortgage or put the funds towards an RSP?&#8221;.  Many times it may make sense to make the RSP contribution, wait for the tax refund and then place the refund onto the principal of the [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/should-you-pay-down-your-mortgage-or-use-the-funds-to-contribute-to-your-rsp-an-interesting-opinion-in-this-current-investment-environment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Kim Gibbons quoted in National Post re: Immediate family gifting a down payment + Guarantors and Co-signers of mortgages</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-re-immediate-family-gifting-a-down-payment-guarantors-and-co-signers-of-mortgages/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-re-immediate-family-gifting-a-down-payment-guarantors-and-co-signers-of-mortgages/#comments</comments>
		<pubDate>Thu, 05 Aug 2010 13:29:14 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[Mortgage Co-signers]]></category>
		<category><![CDATA[Mortgage Downpayment]]></category>
		<category><![CDATA[Mortgage Guarantors]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1303</guid>
		<description><![CDATA[Buying a first home can be pretty stressful and will likely impose a fairly hefty financial burden on the purchaser. Many parents and grandparents may be tempted to lend or give money for a deposit or even act as a guarantor or co-signer for a mortgage in order to try to ease the financial pressure [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-re-immediate-family-gifting-a-down-payment-guarantors-and-co-signers-of-mortgages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Kim Gibbons quoted in National Post article &#8211; Hybrid Mortgages</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-article-hybrid-mortgages/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-quoted-in-national-post-article-hybrid-mortgages/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 12:48:27 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[hybrid mortgages]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1281</guid>
		<description><![CDATA[There are many things to consider when looking at making a choice to have a hybrid or split mortgage.  The below noted article article touches on a few items only but there are other pros and cons as well.  Although on the upside it may reduce your overall rate risk depending on the product you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Type of Mortgage Borrower are you?</title>
		<link>http://mortgagesuperhero.com/what-type-of-mortgage-borrower-are-you/</link>
		<comments>http://mortgagesuperhero.com/what-type-of-mortgage-borrower-are-you/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 14:24:07 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1275</guid>
		<description><![CDATA[When getting a mortgage &#8211; or when reviewing your current mortgage strategy &#8211; it is helpful to begin thinking about the mortgage options with which you would feel most comfortable.  By having an understanding of your priorities and preferences the mortgage process will become more efficient and your satisfaction over the term of your mortgage [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding the Trends Behind Mortgage Interest Rates</title>
		<link>http://mortgagesuperhero.com/understanding-the-trends-behind-mortgage-interest-rates/</link>
		<comments>http://mortgagesuperhero.com/understanding-the-trends-behind-mortgage-interest-rates/#comments</comments>
		<pubDate>Fri, 23 Apr 2010 13:00:51 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[Fixed and Variable Mortgage Rates]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Kim Gibbons]]></category>
		<category><![CDATA[locking in your mortgage]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1222</guid>
		<description><![CDATA[The Bank of Canada is expected by many economists to raise short-term interest rates in June or July, prompting many homebuyers and mortgage holders to ask whether a variable-rate mortgage or a fixed-rate mortgage is best for them. How, exactly, are mortgage rates offered by lenders determined?  Many Canadian mortgage holders are surprised to learn [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/understanding-the-trends-behind-mortgage-interest-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Mortgage Rules Start Today</title>
		<link>http://mortgagesuperhero.com/new-mortgage-rules-start-today/</link>
		<comments>http://mortgagesuperhero.com/new-mortgage-rules-start-today/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 13:52:40 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Bank of Canada]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Mortgage Superhero]]></category>
		<category><![CDATA[Mortgages- Rentals & Second Homes]]></category>
		<category><![CDATA[new mortgage rules]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1140</guid>
		<description><![CDATA[The new mortgage rules that the Federal Government has imposed take effect today. Here are the new rules and how they may affect you: 1. Qualifying rates have changed for variable rates and fixed rates with terms of 1-4 years for mortgages that are insured via CMHC and other insurers. This means for purchasers that [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/new-mortgage-rules-start-today/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Kim Gibbons quoted in CBC article &#8211; Should you break your mortgage?</title>
		<link>http://mortgagesuperhero.com/kim-gibbons-quoted-in-cbc-article-should-you-break-your-mortgage/</link>
		<comments>http://mortgagesuperhero.com/kim-gibbons-quoted-in-cbc-article-should-you-break-your-mortgage/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 18:26:49 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Kim in the Media]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[locking in your mortgage]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[prepayment penalties]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1125</guid>
		<description><![CDATA[Here is an article I was quoted in regarding mortgage rates, refinances and prepayment penalties: Click here to read&#8230;]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/kim-gibbons-quoted-in-cbc-article-should-you-break-your-mortgage/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>An overview of the HST in Ontario &#8211; coming into effect July 1, 2010.</title>
		<link>http://mortgagesuperhero.com/an-overview-of-the-hst-in-ontario-coming-into-effect-july-1-2010/</link>
		<comments>http://mortgagesuperhero.com/an-overview-of-the-hst-in-ontario-coming-into-effect-july-1-2010/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 15:00:05 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[HST]]></category>
		<category><![CDATA[Mortgage Closing Costs]]></category>
		<category><![CDATA[Ontario HST]]></category>
		<category><![CDATA[Tips from your Toronto Mortgage Broker]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1111</guid>
		<description><![CDATA[After July 1, 2010, every residential real estate transaction in Ontario will face a significant tax increase. Specifically, home buyers and sellers can expect to pay 8% more on legal fees, appraisals, real estate commissions, home inspection fees, moving costs and the provincial government’s forthcoming system of mandatory home energy audits.  While the impact  of [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/an-overview-of-the-hst-in-ontario-coming-into-effect-july-1-2010/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Good and Bad Debt &#8211; Is There a Difference?</title>
		<link>http://mortgagesuperhero.com/good-and-bad-debt-is-there-a-difference/</link>
		<comments>http://mortgagesuperhero.com/good-and-bad-debt-is-there-a-difference/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 00:44:23 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Toronto Mortgage Broker]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1100</guid>
		<description><![CDATA[Not all debt is created equally.  Let&#8217;s face it, debt is not something we desire to have but there is a difference between the good and bad and it lies in how it can hurt or help you reach your financial goals. Some debt can be seen as an investment in one&#8217;s future such as: [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/good-and-bad-debt-is-there-a-difference/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>8 Super Tips for Paying off your Mortgage Faster</title>
		<link>http://mortgagesuperhero.com/8-super-tips-for-paying-off-your-mortgage-faster/</link>
		<comments>http://mortgagesuperhero.com/8-super-tips-for-paying-off-your-mortgage-faster/#comments</comments>
		<pubDate>Mon, 08 Feb 2010 17:32:18 +0000</pubDate>
		<dc:creator>Kim Gibbons</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tips and Advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Downsizing your Mortgage]]></category>
		<category><![CDATA[Free Homebuyer Info]]></category>
		<category><![CDATA[Mortgage Brokers]]></category>
		<category><![CDATA[Mortgage Interest Rates]]></category>
		<category><![CDATA[Toronto Mortgage Brokers]]></category>

		<guid isPermaLink="false">http://mortgagesuperhero.com/?p=1068</guid>
		<description><![CDATA[For many Canadian homeowners, paying off their mortgage as quickly as possible is a top priority.  Paying down extra principal in the years by whatever means possible can shorten the life of your mortgage and dramatically lower the interest you&#8217;ll pay over the long haul.  Here are a few &#8220;super&#8221; tips on how to make [...]]]></description>
		<wfw:commentRss>http://mortgagesuperhero.com/8-super-tips-for-paying-off-your-mortgage-faster/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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