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    <title>Your Life, Your Money</title>
    <link>http://www.640toronto.com/</link>
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    <copyright>2022 Corus Radio</copyright>
    <description>Featured in Wealth Professional Canada’s 2019 “Top 50 Advisors”, Kelvin Rampersad has been a respected and valued member of the financial industry for the past 30 years. Kelvin started his career in 1988 dedicating himself to making sure his client’s financial health was well looked after. Over the years Kelvin has built a successful practice by analyzing the specific financial needs of each client and the goals of their families. He goes above and beyond to educate and motivate his clients and the corporate community to reach their most profitable financial position. ‘Your Life, Your Money’ features an hour of Kelvin’s expertise and advice to help the 640Toronto listener plan for a much brighter and financially secure future. Kelvin’s strong belief that we should work SMARTER not HARDER and this belief has helped many of his clients and fellow advisors make more money than they thought possible, while increasing their personal happiness! Listen every other Sunday as he features his best tips for Retirement Saving strategies, Investment opportunities, insurance coverage and many more topics. “Don’t be a know-it-all, be a learn-it-all” – Kelvin Rampersad askkelvin.ca linkedin.com/in/kandvfinancial Email: kelvin@cartewm.com (416)-457-7526</description>
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    <itunes:summary>Featured in Wealth Professional Canada’s 2019 “Top 50 Advisors”, Kelvin Rampersad has been a respected and valued member of the financial industry for the past 30 years. Kelvin started his career in 1988 dedicating himself to making sure his client’s financial health was well looked after. Over the years Kelvin has built a successful practice by analyzing the specific financial needs of each client and the goals of their families. He goes above and beyond to educate and motivate his clients and the corporate community to reach their most profitable financial position. ‘Your Life, Your Money’ features an hour of Kelvin’s expertise and advice to help the 640Toronto listener plan for a much brighter and financially secure future. Kelvin’s strong belief that we should work SMARTER not HARDER and this belief has helped many of his clients and fellow advisors make more money than they thought possible, while increasing their personal happiness! Listen every other Sunday as he features his best tips for Retirement Saving strategies, Investment opportunities, insurance coverage and many more topics. “Don’t be a know-it-all, be a learn-it-all” – Kelvin Rampersad askkelvin.ca linkedin.com/in/kandvfinancial Email: kelvin@cartewm.com (416)-457-7526</itunes:summary>
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      <description>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.

⁠⁠⁠⁠https://askkelvin.ca/⁠</description>
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<p>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.</p>
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      <title>Why we Should be thankful for the season : Personal Financial Perspective</title>
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<p>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.</p>
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      <title>Strategies For Retiring at Age 60? 65? 70?</title>
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⁠⁠⁠⁠https://askkelvin.ca/</description>
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      <description>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.

⁠⁠⁠https://askkelvin.ca/</description>
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      <title>Mantra to Financially balanced Life - Live Below Your Means</title>
      <description>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.

⁠⁠https://askkelvin.ca/</description>
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      <title>A Beginner’s Guide to Mastering the Financial World</title>
      <description>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.

⁠https://askkelvin.ca/</description>
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      <title>Chaos Always Presents Opportunities.!</title>
      <description>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid unnecessary debt, and make the most of your money.
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      <title>Money Management</title>
      <description>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid unnecessary debt, and make the most of your money.
https://askkelvin.ca/</description>
      <pubDate>Sun, 09 Mar 2025 16:00:00 -0000</pubDate>
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      <title>RSP"s ! What you Should Know </title>
      <description>Prepare your finances as Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.
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      <pubDate>Fri, 21 Feb 2025 17:00:00 -0000</pubDate>
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      <description>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.
https://askkelvin.ca/</description>
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      <description>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.
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https://askkelvin.ca/</description>
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    <item>
      <title>Tips To Find The Best Financial Advisor For Yourself</title>
      <description>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.
https://askkelvin.ca/</description>
      <pubDate>Sun, 01 Dec 2024 17:00:00 -0000</pubDate>
      <itunes:title>Tips To Find The Best Financial Advisor For Yourself</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money.</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2514</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Reverse Mortgage, What Is It?</title>
      <description>Today Darlene Vila, Independent Mortgage Broker at the Mortgage Center, joins the show to talk about reverse mortgages and how it could help you.
https://askkelvin.ca/</description>
      <pubDate>Sun, 17 Nov 2024 17:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Today Darlene Vila, Independent Mortgage Broker at the Mortgage Center, joins the show to talk about reverse mortgages and how it could help you.
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Today Darlene Vila, Independent Mortgage Broker at the Mortgage Center, joins the show to talk about reverse mortgages and how it could help you.</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
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    <item>
      <title>The Holidays Are Close: Is Your Pocket Ready?</title>
      <description>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money. 
https://askkelvin.ca/</description>
      <pubDate>Sun, 03 Nov 2024 18:24:32 -0000</pubDate>
      <itunes:title>The Holidays Are Close: Is Your Pocket Ready?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money. 
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Prepare your finances for the upcoming holiday season and life in general! Kelvin shares essential tips to help you budget wisely, avoid holiday debt, and make the most of your money. </p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2459</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[e2a64676-9a10-11ef-94bc-abced07b0f67]]></guid>
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    <item>
      <title>The Seven Myths of Money</title>
      <description>With the holidays approaching, finance anxiety is soon to come. Is there anyway to stomp the fear and enjoy life to the fullest? Well, Kelvin the Money Guy might have the solution for you!
The Seven Myths of Money can help plan for the future WHILE enjoying the season.
https://askkelvin.ca/</description>
      <pubDate>Sun, 20 Oct 2024 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>With the holidays approaching, finance anxiety is soon to come. Is there anyway to stomp the fear and enjoy life to the fullest? Well, Kelvin the Money Guy might have the solution for you!
The Seven Myths of Money can help plan for the future WHILE enjoying the season.
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>With the holidays approaching, finance anxiety is soon to come. Is there anyway to stomp the fear and enjoy life to the fullest? Well, Kelvin the Money Guy might have the solution for you!</p><p>The Seven Myths of Money can help plan for the future WHILE enjoying the season.</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <guid isPermaLink="false"><![CDATA[edbe85f8-8bf3-11ef-8b53-ff61a8aed01f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9494579952.mp3?updated=1729107318" length="0" type="audio/mpeg"/>
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    <item>
      <title>Millennials Money</title>
      <description>It's easier now then ever to fall into a spending spree, with a few clicks your small online order can turn into a mountain of instant gratification and debut. Is there a way to stop this bad habit or will you forever be doomed in consumer H-E-double-hockey-sticks?
Luckily, special guest, Brittney the Money Girl has a trick up her sleeve; Millennial Money! Think like a Millennial; buy with cash, save before you spend, invest, and more!
https://askkelvin.ca/</description>
      <pubDate>Sun, 06 Oct 2024 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>It's easier now then ever to fall into a spending spree, with a few clicks your small online order can turn into a mountain of instant gratification and debut. Is there a way to stop this bad habit or will you forever be doomed in consumer H-E-double-hockey-sticks?
Luckily, special guest, Brittney the Money Girl has a trick up her sleeve; Millennial Money! Think like a Millennial; buy with cash, save before you spend, invest, and more!
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It's easier now then ever to fall into a spending spree, with a few clicks your small online order can turn into a mountain of instant gratification and debut. Is there a way to stop this bad habit or will you forever be doomed in consumer H-E-double-hockey-sticks?</p><p>Luckily, special guest, Brittney the Money Girl has a trick up her sleeve; Millennial Money! Think like a Millennial; buy with cash, save before you spend, invest, and more!</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2653</itunes:duration>
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    <item>
      <title>Why does it feel like we don't have any money?</title>
      <description>Lately, when talking with relatives or friends, you might feel like there isn't enough money. You work harder than before—perhaps even taking on a second job—but still feel as though you have less money. Tune in to Kelvin The Money Guy for the essential advice you need to take control of your finances today!
https://askkelvin.ca/</description>
      <pubDate>Sun, 22 Sep 2024 16:00:00 -0000</pubDate>
      <itunes:title>Why does it feel like we don't have any money?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Lately, when talking with relatives or friends, you might feel like there isn't enough money. You work harder than before—perhaps even taking on a second job—but still feel as though you have less money. Tune in to Kelvin The Money Guy for the essential advice you need to take control of your finances today!
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Lately, when talking with relatives or friends, you might feel like there isn't enough money. You work harder than before—perhaps even taking on a second job—but still feel as though you have less money. Tune in to Kelvin The Money Guy for the essential advice you need to take control of your finances today!</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2580</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Comfortable Retirement </title>
      <description>On this episode of Your Life, Your Money, host Chris Chreston talks about retirement math. How do you know if you saved enough? Who should you go to, to calculate it? Will I retire comfortably? Find out your answers here.</description>
      <pubDate>Sun, 08 Sep 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, host Chris Chreston talks about retirement math. How do you know if you saved enough? Who should you go to, to calculate it? Will I retire comfortably? Find out your answers here.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, host Chris Chreston talks about retirement math. How do you know if you saved enough? Who should you go to, to calculate it? Will I retire comfortably? Find out your answers here.</p>]]>
      </content:encoded>
      <itunes:duration>2641</itunes:duration>
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    </item>
    <item>
      <title>Challenges in Financial Planning and Their Remedies</title>
      <description>On this episode of Your Life, Your Money, host Chris Chreston and Brittney the money girl explore strategies for overcoming financial planning challenges in today’s economy.</description>
      <pubDate>Sun, 25 Aug 2024 16:00:00 -0000</pubDate>
      <itunes:title>Challenges in Financial Planning and Their Remedies</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, host Chris Chreston and Brittney the money girl explore strategies for overcoming financial planning challenges in today’s economy.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, host Chris Chreston and Brittney the money girl explore strategies for overcoming financial planning challenges in today’s economy.</p>]]>
      </content:encoded>
      <itunes:duration>2601</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Notable Week In THe Market</title>
      <description>There were a few lost in jeopardy markets, and cases of recession in the past week as the stock market went down.  Despite that, it is still important to follow this financial information, helping you understand each time when the market changes, or if the value us growing or falling.</description>
      <pubDate>Fri, 16 Aug 2024 11:00:00 -0000</pubDate>
      <itunes:title>Notable Week In THe Market</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/100fde0c-5b1d-11ef-884e-cb0a234c0408/image/54e35a72929de7387115dfb613327b22.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>There were a few lost in jeopardy markets, and cases of recession in the past week as the stock market went down.  Despite that, it is still important to follow this financial information, helping you understand each time when the market changes, or if the value us growing or falling.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>There were a few lost in jeopardy markets, and cases of recession in the past week as the stock market went down.  Despite that, it is still important to follow this financial information, helping you understand each time when the market changes, or if the value us growing or falling.</p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[100fde0c-5b1d-11ef-884e-cb0a234c0408]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3889600077.mp3?updated=1723736887" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Financial Fitness</title>
      <description>To be an Olympic champion requires discipline. Becoming financially fit too! Listen to Kelvin as he gives you tips and advise to achieve your goals. Like the athletes, you need training. Contact us!
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 11 Aug 2024 16:00:00 -0000</pubDate>
      <itunes:title>Financial Fitness</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>To be an Olympic champion requires discipline. Becoming financially fit too! Listen to Kelvin as he gives you tips and advise to achieve your goals. Like the athletes, you need training. Contact us!
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>To be an Olympic champion requires discipline. Becoming financially fit too! Listen to Kelvin as he gives you tips and advise to achieve your goals. Like the athletes, you need training. Contact us!</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2524</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7d8e9fea-568b-11ef-8f2c-97136bc6472c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6113120512.mp3?updated=1723234579" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Critical Illness: The Do's &amp; The Don'ts</title>
      <description>This week Kelvin  talks about mortgage rates decreasing as the market begins to recover, as well as touching the topic of critical illness and how to afford it aside from the pros and cons.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 04 Aug 2024 00:00:00 -0000</pubDate>
      <itunes:title>Critical Illness: The Do's &amp; The Don'ts</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/49aef9c6-5015-11ef-8439-8bba67977b80/image/54e35a72929de7387115dfb613327b22.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week Kelvin  talks about mortgage rates decreasing as the market begins to recover, as well as touching the topic of critical illness and how to afford it aside from the pros and cons.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week Kelvin  talks about mortgage rates decreasing as the market begins to recover, as well as touching the topic of critical illness and how to afford it aside from the pros and cons.</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2580</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[49aef9c6-5015-11ef-8439-8bba67977b80]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9704411542.mp3?updated=1722524105" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The New Wave</title>
      <description>This week Kelvin talks about money and youth, and who's better to talk about it then Brittney the money girl! Long time listeners will remember Brittney from previous episodes but today she'll explain how millennials spend money, and their relationship with it. Do the new wave of adults see money like us?
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 28 Jul 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week Kelvin talks about money and youth, and who's better to talk about it then Brittney the money girl! Long time listeners will remember Brittney from previous episodes but today she'll explain how millennials spend money, and their relationship with it. Do the new wave of adults see money like us?
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week Kelvin talks about money and youth, and who's better to talk about it then Brittney the money girl! Long time listeners will remember Brittney from previous episodes but today she'll explain how millennials spend money, and their relationship with it. Do the new wave of adults see money like us?</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <guid isPermaLink="false"><![CDATA[84e678ba-49f4-11ef-bb4e-c3da6470bc91]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1614435712.mp3?updated=1721850359" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>5 Costly Mistakes People Make Before They Retire</title>
      <description>Are you ready for retirement but worried you don't have enough in the back? Well, Kelvin has your back! Learn the basics of retirement so you can prepare now and relax later.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 14 Jul 2024 16:00:00 -0000</pubDate>
      <itunes:title>5 Costly Mistakes People Make Before They Retire</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Are you ready for retirement but worried you don't have enough in the back? Well, Kelvin has your back! Learn the basics of retirement so you can prepare now and relax later.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Are you ready for retirement but worried you don't have enough in the back? Well, Kelvin has your back! Learn the basics of retirement so you can prepare now and relax later.</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[0e6edf40-3fc4-11ef-9fa0-8351e13c05d1]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU7515519133.mp3?updated=1720729977" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Join Your Money With Your Honey</title>
      <description>Having joint accounts in a marriage is very useful for couples, and can become very resourceful in the future of the relationship. Are you deciding as a couple to join together and save your money in a joint account. ? You'll get a lot of helpful tips and information in this episode this week. 
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 07 Jul 2024 12:00:00 -0000</pubDate>
      <itunes:title>Join Your Money With Your Honey</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8dfa8cc4-3af0-11ef-9f1a-db386dfb5c4f/image/54e35a72929de7387115dfb613327b22.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Having joint accounts in a marriage is very useful for couples, and can become very resourceful in the future of the relationship. Are you deciding as a couple to join together and save your money in a joint account. ? You'll get a lot of helpful tips and information in this episode this week. 
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Having joint accounts in a marriage is very useful for couples, and can become very resourceful in the future of the relationship. Are you deciding as a couple to join together and save your money in a joint account. ? You'll get a lot of helpful tips and information in this episode this week. </p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2586</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[8dfa8cc4-3af0-11ef-9f1a-db386dfb5c4f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6949764860.mp3?updated=1720199333" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Money with your honey</title>
      <description>Are you unsure if merging back accounts with your partner is the right idea? Let Kelvin help you, learn the benefits of merged and separate bank accounts to see which one is right for you.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 30 Jun 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Are you unsure if merging back accounts with your partner is the right idea? Let Kelvin help you, learn the benefits of merged and separate bank accounts to see which one is right for you.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Are you unsure if merging back accounts with your partner is the right idea? Let Kelvin help you, learn the benefits of merged and separate bank accounts to see which one is right for you.</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2648</itunes:duration>
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    <item>
      <title>Retirement, Savings, and Legacy</title>
      <description>This weekend is Father's Day, and we can't mention Father's Day without recognizing that a next generation of kids will grow, and there must be some sort of wealth left back to them. How can we do it, while focusing on saving, and retirement ? Kelvin has the answers.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 16 Jun 2024 12:00:00 -0000</pubDate>
      <itunes:title>Retirement, Savings, and Legacy</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/f7e3e2f0-2a94-11ef-8854-1f9bc6d28098/image/54e35a72929de7387115dfb613327b22.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This weekend is Father's Day, and we can't mention Father's Day without recognizing that a next generation of kids will grow, and there must be some sort of wealth left back to them. How can we do it, while focusing on saving, and retirement ? Kelvin has the answers.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This weekend is Father's Day, and we can't mention Father's Day without recognizing that a next generation of kids will grow, and there must be some sort of wealth left back to them. How can we do it, while focusing on saving, and retirement ? Kelvin has the answers.</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
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      <itunes:duration>2501</itunes:duration>
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      <title>Is Golfing the New Accounting?</title>
      <description>This week Kelvin explains how golfing is very similar to investing and saving. Just like how every golfer needs a caddie, everyone needs a financial adviser.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 02 Jun 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week Kelvin explains how golfing is very similar to investing and saving. Just like how every golfer needs a caddie, everyone needs a financial adviser.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week Kelvin explains how golfing is very similar to investing and saving. Just like how every golfer needs a caddie, everyone needs a financial adviser.</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
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      <itunes:duration>2640</itunes:duration>
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    <item>
      <title>Retirement 101</title>
      <description>Are you ready for retirement but worried you don't have enough in the back? Well, Kelvin has your back! Learn the basics of retirement so you can prepare now and relax later.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 19 May 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Are you ready for retirement but worried you don't have enough in the back? Well, Kelvin has your back! Learn the basics of retirement so you can prepare now and relax later.
Questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Are you ready for retirement but worried you don't have enough in the back? Well, Kelvin has your back! Learn the basics of retirement so you can prepare now and relax later.</p><p>Questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3687332699.mp3?updated=1715804656" length="0" type="audio/mpeg"/>
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    <item>
      <title>50/30/20 Rule</title>
      <description>We hear this saving trick everywhere, but do you know what it means? Kelvin breaks down this handy little rule to help you save money and live a stress free life.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 05 May 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>We hear this saving trick everywhere, but do you know what it means? Kelvin breaks down this handy little rule to help you save money and live a stress free life.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>We hear this saving trick everywhere, but do you know what it means? Kelvin breaks down this handy little rule to help you save money and live a stress free life.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2638</itunes:duration>
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    <item>
      <title>Tax Tax Tax!</title>
      <description>Taxes come from everywhere; income, gas, carbon, and more! It seems like no matter what you'll be taxed for something. But, is that a bad thing? Kelvin explains the benefits that comes from taxes, like tax returns, and how to sail smoothly through the tax season.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 21 Apr 2024 23:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Taxes come from everywhere; income, gas, carbon, and more! It seems like no matter what you'll be taxed for something. But, is that a bad thing? Kelvin explains the benefits that comes from taxes, like tax returns, and how to sail smoothly through the tax season.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Taxes come from everywhere; income, gas, carbon, and more! It seems like no matter what you'll be taxed for something. But, is that a bad thing? Kelvin explains the benefits that comes from taxes, like tax returns, and how to sail smoothly through the tax season.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2641</itunes:duration>
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    <item>
      <title>It's Now That Millennials Need To Find Help Managing Their Money</title>
      <description>As most of the millennials enter their 30's, its the right time to start managing your money so that you are in a much better place when the need arises in the future. Kelvin is the perfect person to discuss your goals and help you make a plan to achieve them. 

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 07 Apr 2024 23:00:00 -0000</pubDate>
      <itunes:title>It's Now That Millennials Need To Find Help Managing Their Money</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>As most of the millennials enter their 30's, its the right time to start managing your money so that you are in a much better place when the need arises in the future. Kelvin is the perfect person to discuss your goals and help you make a plan to achieve them. 

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>As most of the millennials enter their 30's, its the right time to start managing your money so that you are in a much better place when the need arises in the future. Kelvin is the perfect person to discuss your goals and help you make a plan to achieve them. </p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2556</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Building Your Financial Fitness</title>
      <description>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss, how to build your financial fitness in Today's economy</description>
      <pubDate>Sun, 24 Mar 2024 16:00:00 -0000</pubDate>
      <itunes:title>Building Your Financial Fitness</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss, how to build your financial fitness in Today's economy</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss, how to build your financial fitness in Today's economy </p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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    <item>
      <title>Prepare yourself for unforseen circumstances</title>
      <description>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss, Life insurance as the best possible hedge for and your loved ones in the event of unforeseen life circumstances such as illness or death.</description>
      <pubDate>Sun, 10 Mar 2024 16:00:00 -0000</pubDate>
      <itunes:title>Prepare yourself for unforseen circumstances</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss, Life insurance as the best possible hedge for and your loved ones in the event of unforeseen life circumstances such as illness or death.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss, Life insurance as the best possible hedge for and your loved ones in the event of unforeseen life circumstances such as illness or death.</p>]]>
      </content:encoded>
      <itunes:duration>2701</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[010ce628-dcd0-11ee-8eea-0f3d91871099]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU8597148304.mp3?updated=1709849944" length="0" type="audio/mpeg"/>
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    <item>
      <title>The Boomers Are Retiring - What Does This Mean?</title>
      <description>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss way for you to maximize your money and have a safe retirement. Listen and find out if having a RRSP is a good idea</description>
      <pubDate>Sun, 25 Feb 2024 17:00:00 -0000</pubDate>
      <itunes:title>The Boomers Are Retiring - What Does This Mean?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss way for you to maximize your money and have a safe retirement. Listen and find out if having a RRSP is a good idea</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss way for you to maximize your money and have a safe retirement. Listen and find out if having a RRSP is a good idea</p>]]>
      </content:encoded>
      <itunes:duration>2578</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f5b2525c-d290-11ee-bd3b-cfc088d3dffe]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6827609886.mp3?updated=1708723355" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Is an RSP right for you? find out the options that are avaiable to you in as you approach retirement</title>
      <description>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss the savings options that are available to you as you approach retirement . Find out if an RSP or a TFSA is right for you.</description>
      <pubDate>Sun, 11 Feb 2024 16:00:00 -0000</pubDate>
      <itunes:title>Is an RSP right for you? find out the options that are avaiable to you in as you approach retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss the savings options that are available to you as you approach retirement . Find out if an RSP or a TFSA is right for you.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, host Chris Chreston and Kelvin the money guy discuss the savings options that are available to you as you approach retirement . Find out if an RSP or a TFSA is right for you.</p>]]>
      </content:encoded>
      <itunes:duration>2549</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[d8fe5838-c604-11ee-9e4f-2b87fd6618be]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9319306240.mp3?updated=1707425474" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Boomers Battle Inflation</title>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 28 Jan 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2644</itunes:duration>
      <guid isPermaLink="false"><![CDATA[94a6d3fe-bbc8-11ee-abe7-7bcff932f146]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9308236827.mp3?updated=1706218367" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Nest Egg</title>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 14 Jan 2024 00:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2625</itunes:duration>
      <guid isPermaLink="false"><![CDATA[50e44978-b0c7-11ee-9542-3f81f7d4f320]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1301350043.mp3?updated=1705008361" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>2024, What Now</title>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 07 Jan 2024 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <guid isPermaLink="false"><![CDATA[315e39be-ab4b-11ee-919b-a7daedb41b04]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6033659109.mp3?updated=1704405294" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What retirement age could look like</title>
      <description>This Week Chris Chreston and Kelvin talk all things annuity
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 31 Dec 2023 17:00:00 -0000</pubDate>
      <itunes:title>What retirement age could look like</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This Week Chris Chreston and Kelvin talk all things annuity
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This Week Chris Chreston and Kelvin talk all things annuity</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[3edcaca0-a516-11ee-adc8-1753e9b724aa]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6929635857.mp3?updated=1703722847" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Retirement Mistakes</title>
      <description>This Week Chris Chreston and Kelvin talk all things estate planning
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 17 Dec 2023 12:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This Week Chris Chreston and Kelvin talk all things estate planning
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This Week Chris Chreston and Kelvin talk all things estate planning</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2475</itunes:duration>
      <guid isPermaLink="false"><![CDATA[a905ed0c-9ac2-11ee-b8e9-b34a85f8bd2c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1424509058.mp3?updated=1702587501" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What's Your Retirement Plan?</title>
      <description>This Week Chris Chreston and Kelvin talk all things estate planning
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 03 Dec 2023 17:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This Week Chris Chreston and Kelvin talk all things estate planning
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This Week Chris Chreston and Kelvin talk all things estate planning</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2642</itunes:duration>
      <guid isPermaLink="false"><![CDATA[55869370-9086-11ee-977f-0fdb8e32e767]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6768138809.mp3?updated=1701462014" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Estate Planning 101</title>
      <description>This Week Chris Chreston and Kelvin talk all things Reverse Mortgages with Darlene Velas
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 19 Nov 2023 17:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This Week Chris Chreston and Kelvin talk all things Reverse Mortgages with Darlene Velas
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This Week Chris Chreston and Kelvin talk all things Reverse Mortgages with Darlene Velas</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2642</itunes:duration>
      <guid isPermaLink="false"><![CDATA[6c2e0a96-8586-11ee-a441-f389a3704560]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1694389773.mp3?updated=1700252589" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Everything you need to know about Reverse Mortgages</title>
      <description>This Week Chris Chreston and Kelvin talk all things Reverse Mortgages with Darlene Velas
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 05 Nov 2023 17:00:00 -0000</pubDate>
      <itunes:title>Everything you need to know about Reverse Mortgages</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This Week Chris Chreston and Kelvin talk all things Reverse Mortgages with Darlene Velas
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This Week Chris Chreston and Kelvin talk all things Reverse Mortgages with Darlene Velas</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2696</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[f7b115ec-7a85-11ee-ae8d-1fc367b1dfc9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3470240685.mp3?updated=1699043334" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Annuities in Retirement Age</title>
      <description>This Week Chris Chreston and Kelvin talk all things annuity
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 22 Oct 2023 16:00:00 -0000</pubDate>
      <itunes:title>Annuities in Retirement Age</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This Week Chris Chreston and Kelvin talk all things annuity
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This Week Chris Chreston and Kelvin talk all things annuity</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2587</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[439b7842-6f89-11ee-9889-23f1e129dd07]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3727464739.mp3?updated=1697834884" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Family Knows Best, Kelvin Knows Better</title>
      <description>This Thanksgiving weekend think twice about taking your families financial advice, times have changed have they?
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 08 Oct 2023 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This Thanksgiving weekend think twice about taking your families financial advice, times have changed have they?
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This Thanksgiving weekend think twice about taking your families financial advice, times have changed have they?</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2642</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f34bc9bc-63b4-11ee-aa7c-23b13432bf93]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU5385122084.mp3?updated=1696534234" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Buying Your First Home? Here Is How</title>
      <description>Kelvin breaks down all the options you have to finance your first home, to make sure you get the best deal without losing money.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 24 Sep 2023 16:00:00 -0000</pubDate>
      <itunes:title>Buying Your First Home? Here Is How</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Kelvin breaks down all the options you have to finance your first home, to make sure you get the best deal without losing money.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Kelvin breaks down all the options you have to finance your first home, to make sure you get the best deal without losing money.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2652</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[7346706e-5987-11ee-8b88-37e98a16f0f7]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU2533633252.mp3?updated=1695415180" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How Inflation Is Affecting Your Retirement</title>
      <description>Yes, even if you are just starting your career, you should start planning now. This episode is for everybody because the inflation affects all of us
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 10 Sep 2023 16:00:00 -0000</pubDate>
      <itunes:title>How Inflation Is Affecting Your Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Yes, even if you are just starting your career, you should start planning now. This episode is for everybody because the inflation affects all of us
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Yes, even if you are just starting your career, you should start planning now. This episode is for everybody because the inflation affects all of us</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2622</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[365d3694-4e90-11ee-8f8d-c32b6818d394]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU5482929830.mp3?updated=1694209480" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Woman and Finance</title>
      <description>The world as we know it has changed and it's time for the financing community to catch up. In this episode Kelvin and Chris talk about women and finances. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 27 Aug 2023 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>The world as we know it has changed and it's time for the financing community to catch up. In this episode Kelvin and Chris talk about women and finances. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>The world as we know it has changed and it's time for the financing community to catch up. In this episode Kelvin and Chris talk about women and finances. </p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2520</itunes:duration>
      <guid isPermaLink="false"><![CDATA[fc9311d2-42bd-11ee-958d-b7dde15a7aa3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU5962773430.mp3?updated=1692909726" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>How to Best Manage Your Insurance </title>
      <description>From tax bombs to love insurance Kelvin lets you in on everything you need to know about insurance and how you can best prepare for your future and utilize these tools to provide for those you love. 

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 13 Aug 2023 16:34:40 -0000</pubDate>
      <itunes:title>How to Best Manage Your Insurance </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/720e5090-39f7-11ee-8869-3b8602f71d98/image/80174d.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>From tax bombs to love insurance Kelvin lets you in on everything you need to know about insurance and how you can best prepare for your future and utilize these tools to provide for those you love. 

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>From tax bombs to love insurance Kelvin lets you in on everything you need to know about insurance and how you can best prepare for your future and utilize these tools to provide for those you love. </p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2598</itunes:duration>
      <guid isPermaLink="false"><![CDATA[720e5090-39f7-11ee-8869-3b8602f71d98]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU8525894092.mp3?updated=1691944844" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>The Six Types of Financial Seniors</title>
      <description>What are the six types of seniors when it comes to finance? How do we define them and what are some specific tips for each type? 
This week on the show Kelvin is breaking down those six types, helping you understand how understand which one you may be, and filling you in on how your financial advisor can help you plan for your retirement. 

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 30 Jul 2023 16:40:00 -0000</pubDate>
      <itunes:title>The Six Types of Financial Seniors</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4cdd0e0c-2ef7-11ee-a718-3bd73b8f98e0/image/f887fa.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>What are the six types of seniors when it comes to finance? How do we define them and what are some specific tips for each type? 
This week on the show Kelvin is breaking down those six types, helping you understand how understand which one you may be, and filling you in on how your financial advisor can help you plan for your retirement. 

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>What are the six types of seniors when it comes to finance? How do we define them and what are some specific tips for each type? </p><p>This week on the show Kelvin is breaking down those six types, helping you understand how understand which one you may be, and filling you in on how your financial advisor can help you plan for your retirement. </p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <guid isPermaLink="false"><![CDATA[4cdd0e0c-2ef7-11ee-a718-3bd73b8f98e0]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU7955729988.mp3?updated=1690735318" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Rising Interest Rates And How It's Changing The Market</title>
      <description>Where to not put your money in during this time of high interest rates and inflation. Find out how to prepare when you are going to see your Financial Advisor, also find out how to plan your vacation according to your budget.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 16 Jul 2023 12:00:00 -0000</pubDate>
      <itunes:title>Rising Interest Rates And How It's Changing The Market</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Where to not put your money in during this time of high interest rates and inflation. Find out how to prepare when you are going to see your Financial Advisor, also find out how to plan your vacation according to your budget.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Where to not put your money in during this time of high interest rates and inflation. Find out how to prepare when you are going to see your Financial Advisor, also find out how to plan your vacation according to your budget.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[91d2c006-257e-11ee-b429-13235de8bba6]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3259339853.mp3?updated=1689693904" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Fine-tuning your investments</title>
      <description>For investors, today's market environment may feel like the definition of unpredictability. We're experiencing a lot of change in the economy and our world, and that's creating sometimes heightened market volatility. During this "very choppy, push-pull type of market, investors may risk making rash decisions in response to the latest news cycle. Here's a better approach: stick to the fundamentals, like diversification, rebalancing and staying focused on your goals.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 02 Jul 2023 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>For investors, today's market environment may feel like the definition of unpredictability. We're experiencing a lot of change in the economy and our world, and that's creating sometimes heightened market volatility. During this "very choppy, push-pull type of market, investors may risk making rash decisions in response to the latest news cycle. Here's a better approach: stick to the fundamentals, like diversification, rebalancing and staying focused on your goals.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>For investors, today's market environment may feel like the definition of unpredictability. We're experiencing a lot of change in the economy and our world, and that's creating sometimes heightened market volatility. During this "very choppy, push-pull type of market, investors may risk making rash decisions in response to the latest news cycle. Here's a better approach: stick to the fundamentals, like diversification, rebalancing and staying focused on your goals.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2640</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d7d65382-16bb-11ee-a0cd-93e320c9282f]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU4852576196.mp3?updated=1688070953" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Changing Time Call For Changing Finances - Don't Lose Your Retirement!</title>
      <description>Is your dad ready to retire this Fathers day? Time are changing and maybe the financial advice you got years ago doesn't apply today. Managing your own money is a big risk. when emotions are involved you're more likely to make mistakes. which is why you need a financial advisor who you can trust.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 18 Jun 2023 12:00:00 -0000</pubDate>
      <itunes:title>Changing Time Call For Changing Finances - Don't Lose Your Retirement!</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Is your dad ready to retire this Fathers day? Time are changing and maybe the financial advice you got years ago doesn't apply today. Managing your own money is a big risk. when emotions are involved you're more likely to make mistakes. which is why you need a financial advisor who you can trust.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Is your dad ready to retire this Fathers day? Time are changing and maybe the financial advice you got years ago doesn't apply today. Managing your own money is a big risk. when emotions are involved you're more likely to make mistakes. which is why you need a financial advisor who you can trust.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2516</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[6a0a6e90-0eac-11ee-8514-7bfd6a2b4129]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3640528899.mp3?updated=1687184718" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Living Your Best Money Life</title>
      <description>On today's edition of Your Life, Your Money, hosts Kelvin Rampersad and Chris Chreston discusses the importance of finding a financial advisor to help you manage your money in the current economic climate. Plus, he shares some general tips for saving vs. spending, how these concepts vary for different generations, and what to consider with changing gas prices, inflation, and other uncertain fees and costs in 2023. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 04 Jun 2023 16:21:33 -0000</pubDate>
      <itunes:title>Living Your Best Money Life</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/49fe8d34-02f4-11ee-8256-83805e79cf1c/image/4f5834.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On today's edition of Your Life, Your Money, hosts Kelvin Rampersad and Chris Chreston discusses the importance of finding a financial advisor to help you manage your money in the current economic climate. Plus, he shares some general tips for saving vs. spending, how these concepts vary for different generations, and what to consider with changing gas prices, inflation, and other uncertain fees and costs in 2023. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On today's edition of Your Life, Your Money, hosts Kelvin Rampersad and Chris Chreston discusses the importance of finding a financial advisor to help you manage your money in the current economic climate. Plus, he shares some general tips for saving vs. spending, how these concepts vary for different generations, and what to consider with changing gas prices, inflation, and other uncertain fees and costs in 2023. </p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2571</itunes:duration>
      <guid isPermaLink="false"><![CDATA[49fe8d34-02f4-11ee-8256-83805e79cf1c]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6245628879.mp3?updated=1685896174" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Can I Ever Retire?</title>
      <description>Can I retire or will I have to work forever. The traditional method of retiring at 65 has changed. on this episode Kelvin &amp; Chris teach you about how top reach your retirement goals in todays environment.  
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 21 May 2023 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6e6e6992-f5ba-11ed-b66f-2b89b61305c8/image/a2cb63.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Can I retire or will I have to work forever. The traditional method of retiring at 65 has changed. on this episode Kelvin &amp; Chris teach you about how top reach your retirement goals in todays environment.  
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Can I retire or will I have to work forever. The traditional method of retiring at 65 has changed. on this episode Kelvin &amp; Chris teach you about how top reach your retirement goals in todays environment.  </p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <guid isPermaLink="false"><![CDATA[6e6e6992-f5ba-11ed-b66f-2b89b61305c8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU4153089360.mp3?updated=1684441971" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Death &amp; Taxes</title>
      <description>It's real simple on todays show but a very important conversation, hosts Chris Chreston and Kelvin Rampersad talk about death, taxes and the best way to prepare yourself when the tax man comes calling for your estate tax after you or a loved one passes

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 07 May 2023 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4953d090-eab9-11ed-97b3-5b367aeffca8/image/beff92.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>It's real simple on todays show but a very important conversation, hosts Chris Chreston and Kelvin Rampersad talk about death, taxes and the best way to prepare yourself when the tax man comes calling for your estate tax after you or a loved one passes

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>It's real simple on todays show but a very important conversation, hosts Chris Chreston and Kelvin Rampersad talk about death, taxes and the best way to prepare yourself when the tax man comes calling for your estate tax after you or a loved one passes</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2641</itunes:duration>
      <guid isPermaLink="false"><![CDATA[4953d090-eab9-11ed-97b3-5b367aeffca8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU2551152949.mp3?updated=1683232004" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>What Money Personality Are You?</title>
      <description>On this episode, hosts Chris Chreston and Kelvin Rampersad on Money and Relationships, 2/5 have become less hopefull with their money future. Find out what kind of money person you are to a dress your financial struggle. Are you a money maker? A worrier? A spender? A compulsive saver? A gambler? Indifferent? A save and splurger? Find out what kind of money person you are and how to manage wisely on this episode of your life your money

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 23 Apr 2023 12:00:00 -0000</pubDate>
      <itunes:title>What Money Personality Are You?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode, hosts Chris Chreston and Kelvin Rampersad on Money and Relationships, 2/5 have become less hopefull with their money future. Find out what kind of money person you are to a dress your financial struggle. Are you a money maker? A worrier? A spender? A compulsive saver? A gambler? Indifferent? A save and splurger? Find out what kind of money person you are and how to manage wisely on this episode of your life your money

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode, hosts Chris Chreston and Kelvin Rampersad on Money and Relationships, 2/5 have become less hopefull with their money future. Find out what kind of money person you are to a dress your financial struggle. Are you a money maker? A worrier? A spender? A compulsive saver? A gambler? Indifferent? A save and splurger? Find out what kind of money person you are and how to manage wisely on this episode of your life your money</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2599</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
      <guid isPermaLink="false"><![CDATA[bc460b78-e07c-11ed-82a7-47b239362dd3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3449297238.mp3?updated=1682107860" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Life Insurance</title>
      <description>On this episode, hosts Chris Chreston and Kelvin Rampersad talk about, one of the pillars of financial planning, life insurance. The complexities of life insurance may be the reason why no one wants to talk about it, but buying life insurance is one of the best ways to protect yourself. Tune in todays to learn about the many factors involved in purchasing life insurance, what are the variables of a life insurance quote and what type you should buy.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 09 Apr 2023 15:41:56 -0000</pubDate>
      <itunes:title>Your Life, Your Life Insurance</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/4fd48fca-d6f2-11ed-ac6c-936521015510/image/fd6aee.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode, hosts Chris Chreston and Kelvin Rampersad talk about, one of the pillars of financial planning, life insurance. The complexities of life insurance may be the reason why no one wants to talk about it, but buying life insurance is one of the best ways to protect yourself. Tune in todays to learn about the many factors involved in purchasing life insurance, what are the variables of a life insurance quote and what type you should buy.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode, hosts Chris Chreston and Kelvin Rampersad talk about, one of the pillars of financial planning, life insurance. The complexities of life insurance may be the reason why no one wants to talk about it, but buying life insurance is one of the best ways to protect yourself. Tune in todays to learn about the many factors involved in purchasing life insurance, what are the variables of a life insurance quote and what type you should buy.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2625</itunes:duration>
      <guid isPermaLink="false"><![CDATA[4fd48fca-d6f2-11ed-ac6c-936521015510]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9934689453.mp3?updated=1681057473" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Creating and Tweaking Your Retirement Plan</title>
      <description>On this episode, hosts Chris Chreston and Kelvin Rampersad look at trends in the financial markets and how to be successful by investing and managing your money according to your evolving lifestyle and retirement plans. Kelvin expresses the importance of being able to alter your retirement plans as things change, which he can help you with as a financial advisor. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 26 Mar 2023 15:26:47 -0000</pubDate>
      <itunes:title>Creating and Tweaking Your Retirement Plan</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/d8a3f488-cbf0-11ed-961d-7b1b615c5c54/image/08a55c.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode, hosts Chris Chreston and Kelvin Rampersad look at trends in the financial markets and how to be successful by investing and managing your money according to your evolving lifestyle and retirement plans. Kelvin expresses the importance of being able to alter your retirement plans as things change, which he can help you with as a financial advisor. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode, hosts Chris Chreston and Kelvin Rampersad look at trends in the financial markets and how to be successful by investing and managing your money according to your evolving lifestyle and retirement plans. Kelvin expresses the importance of being able to alter your retirement plans as things change, which he can help you with as a financial advisor. </p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2577</itunes:duration>
      <guid isPermaLink="false"><![CDATA[d8a3f488-cbf0-11ed-961d-7b1b615c5c54]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU8330878254.mp3?updated=1679847381" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Retirement Planning Made Easy</title>
      <description>On this episode Chris and Kelvin talk all things retirement related, from the varying reports on how much you need to retire, life expectancy and inflation. They finish up with the best practices to keep up with your finances and planning for retirement.    
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 12 Mar 2023 16:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/c1b6b610-bdfa-11ed-8312-3b08b280a22b/image/a4ce21.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode Chris and Kelvin talk all things retirement related, from the varying reports on how much you need to retire, life expectancy and inflation. They finish up with the best practices to keep up with your finances and planning for retirement.    
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode Chris and Kelvin talk all things retirement related, from the varying reports on how much you need to retire, life expectancy and inflation. They finish up with the best practices to keep up with your finances and planning for retirement.    </p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c1b6b610-bdfa-11ed-8312-3b08b280a22b]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9012485295.mp3?updated=1678312321" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>TFSA'S Are the New RRSP</title>
      <description>This week on Your Life, Your Money, hosts Kelvin and Chris discuss if you can retire off  of your TFSA, if maxing out your TFSA contribution is smart is a government  pension enough  to retire, and how to reach your retirement dream.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 26 Feb 2023 17:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3bac6a78-b3c4-11ed-a4a0-57def136b9b4/image/547876.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week on Your Life, Your Money, hosts Kelvin and Chris discuss if you can retire off  of your TFSA, if maxing out your TFSA contribution is smart is a government  pension enough  to retire, and how to reach your retirement dream.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week on Your Life, Your Money, hosts Kelvin and Chris discuss if you can retire off  of your TFSA, if maxing out your TFSA contribution is smart is a government  pension enough  to retire, and how to reach your retirement dream.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2643</itunes:duration>
      <guid isPermaLink="false"><![CDATA[3bac6a78-b3c4-11ed-a4a0-57def136b9b4]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6599877166.mp3?updated=1677189392" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Everything RRSP</title>
      <description>This week on Your Life, Your Money, hosts Kelvin and Chris talk everything about RRSPs. Tune into this episode to learn what you can use your RRSP money for, when is the best time to buy a RRSP and who needs and doesn't need an RRSP.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 12 Feb 2023 12:00:00 -0000</pubDate>
      <itunes:title>Everything RRSP </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/09ff0352-a8c3-11ed-9aae-83eed56665ff/image/c84005.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week on Your Life, Your Money, hosts Kelvin and Chris talk everything about RRSPs. Tune into this episode to learn what you can use your RRSP money for, when is the best time to buy a RRSP and who needs and doesn't need an RRSP.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week on Your Life, Your Money, hosts Kelvin and Chris talk everything about RRSPs. Tune into this episode to learn what you can use your RRSP money for, when is the best time to buy a RRSP and who needs and doesn't need an RRSP.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p><a href="https://askkelvin.ca/">https://askkelvin.ca/</a></p>]]>
      </content:encoded>
      <itunes:duration>2610</itunes:duration>
      <guid isPermaLink="false"><![CDATA[09ff0352-a8c3-11ed-9aae-83eed56665ff]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU2526437001.mp3?updated=1676646637" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Preparing for Retirement &amp; Handling Inflation</title>
      <description>This week on Your Life, Your Money, hosts Kelvin and Chris talk about what factors to consider when planning for retirement, and some different options for saving money throughout your career. Plus, Kelvin explains the ins and outs of inflation and how to keep saving money during these periods when inflation is high.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 29 Jan 2023 16:11:00 -0000</pubDate>
      <itunes:title>Preparing for Retirement</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9a554976-9ff8-11ed-ad2d-5b0e6335f653/image/19afce.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week on Your Life, Your Money, hosts Kelvin and Chris talk about what factors to consider when planning for retirement, and some different options for saving money throughout your career. Plus, Kelvin explains the ins and outs of inflation and how to keep saving money during these periods when inflation is high.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week on Your Life, Your Money, hosts Kelvin and Chris talk about what factors to consider when planning for retirement, and some different options for saving money throughout your career. Plus, Kelvin explains the ins and outs of inflation and how to keep saving money during these periods when inflation is high.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2496</itunes:duration>
      <guid isPermaLink="false"><![CDATA[9a554976-9ff8-11ed-ad2d-5b0e6335f653]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU2311468700.mp3?updated=1676646649" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Post Christmas Pinch</title>
      <description>Hosts Kelvin &amp; Chris help you through the post Christmas pinch as well as the thought process of Canada going into a recession &amp; how to best help you through the potential uncertainty.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 15 Jan 2023 17:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2eb2c6ce-937a-11ed-92a4-976b31feca48/image/735b21.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Hosts Kelvin &amp; Chris help you through the post Christmas pinch as well as the thought process of Canada going into a recession &amp; how to best help you through the potential uncertainty.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Hosts Kelvin &amp; Chris help you through the post Christmas pinch as well as the thought process of Canada going into a recession &amp; how to best help you through the potential uncertainty.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2599</itunes:duration>
      <guid isPermaLink="false"><![CDATA[2eb2c6ce-937a-11ed-92a4-976b31feca48]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU2451151738.mp3?updated=1676646661" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday January 8, 2023</title>
      <description>This week on the show, learn all about Kelvin Rampersad and what he does to help as you as a financial advisor. He and co-host Chris Chreston discuss how to look ahead for 2023 after a difficult financial period for many investors in 2022. Listen in for tips on how to be "SMART" and why to be "SMART" with your money.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 08 Jan 2023 16:49:41 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/51ab0914-8f76-11ed-9860-1bc2e3649f12/image/a20933.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week on the show, learn all about Kelvin Rampersad and what he does to help as you as a financial advisor. He and co-host Chris Chreston discuss how to look ahead for 2023 after a difficult financial period for many investors in 2022. Listen in for tips on how to be "SMART" and why to be "SMART" with your money.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week on the show, learn all about Kelvin Rampersad and what he does to help as you as a financial advisor. He and co-host Chris Chreston discuss how to look ahead for 2023 after a difficult financial period for many investors in 2022. Listen in for tips on how to be "SMART" and why to be "SMART" with your money.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2602</itunes:duration>
      <guid isPermaLink="false"><![CDATA[51ab0914-8f76-11ed-9860-1bc2e3649f12]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9863650695.mp3?updated=1673197686" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday, December 18th, 2022</title>
      <description>This week on the show, Chris Chreston and Kelvin Rampersad look back on 2022 from a market and financial perspective. Plus, Kelvin gives some advice for dealing with your own finances during difficult times like recessions. If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 18 Dec 2022 17:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/60ef637c-7d86-11ed-92d5-db51e24f4057/image/c0bd2a.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>This week on the show, Chris Chreston and Kelvin Rampersad look back on 2022 from a market and financial perspective. Plus, Kelvin gives some advice for dealing with your own finances during difficult times like recessions. If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This week on the show, Chris Chreston and Kelvin Rampersad look back on 2022 from a market and financial perspective. Plus, Kelvin gives some advice for dealing with your own finances during difficult times like recessions. If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2560</itunes:duration>
      <guid isPermaLink="false"><![CDATA[60ef637c-7d86-11ed-92d5-db51e24f4057]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU2585022502.mp3?updated=1671225463" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday, December 4th, 2022</title>
      <description>Inflation recession and the stock market, how do you build an inflation portfolio vs a recession portfolio. If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 04 Dec 2022 17:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, December 4th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Inflation recession and the stock market, how do you build an inflation portfolio vs a recession portfolio. If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Inflation recession and the stock market, how do you build an inflation portfolio vs a recession portfolio. If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2676</itunes:duration>
      <itunes:explicit>no</itunes:explicit>
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      <title>Your Life, Your Money - Sunday, November 20, 2022</title>
      <description>Are you ready for retirement? Is a million enough to retire or depending on your lifestyle, is it too much? live your life forward but your money life backwards. All your retirement questions can be answered on Your Life Your Money.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 20 Nov 2022 15:18:35 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, November 20, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>Are you ready for retirement? Is a million enough to retire or depending on your lifestyle, is it too much? live your life forward but your money life backwards. All your retirement questions can be answered on Your Life Your Money.

If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Are you ready for retirement? Is a million enough to retire or depending on your lifestyle, is it too much? live your life forward but your money life backwards. All your retirement questions can be answered on Your Life Your Money.</p><p><br></p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2651</itunes:duration>
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    <item>
      <title>Your Life, Your Money - Sunday, November 6, 2022</title>
      <description>*This episode is a replay of June 5th, 2022*
Is a reverse mortgage the right option for you or your loved ones? How do you make sure you have the most money available when you retire?
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 06 Nov 2022 15:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/994e6092-5c70-11ed-af1d-0f7239858217/image/7189d7.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>*This episode is a replay of June 5th, 2022*
Is a reverse mortgage the right option for you or your loved ones? How do you make sure you have the most money available when you retire?
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>*<strong>This episode is a replay of June 5th, 2022*</strong></p><p>Is a reverse mortgage the right option for you or your loved ones? How do you make sure you have the most money available when you retire?</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2692</itunes:duration>
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    <item>
      <title>Your Life, Your Money - Sunday October 23, 2022</title>
      <description>On this episode of Your Life, Your Money, hosts Chris Creston and Kelvin Rampersad - Kelvin "The Money Guy" - talk about the biggest pitfalls and issues that arise in financial planning and how you can avoid them.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 23 Oct 2022 14:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87447390-517c-11ed-a3a2-739ad4d6e2ae/image/2b45bd.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, hosts Chris Creston and Kelvin Rampersad - Kelvin "The Money Guy" - talk about the biggest pitfalls and issues that arise in financial planning and how you can avoid them.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, hosts Chris Creston and Kelvin Rampersad - Kelvin "The Money Guy" - talk about the biggest pitfalls and issues that arise in financial planning and how you can avoid them.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2658</itunes:duration>
      <guid isPermaLink="false"><![CDATA[87447390-517c-11ed-a3a2-739ad4d6e2ae]]></guid>
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    <item>
      <title>Your Life, Your Money - Sunday October 9, 2022</title>
      <description>On this episode of Your Life, Your Money, hosts Chris Creston and Kelvin Rampersad - Kelvin "The Money Guy" - discuss the five principles for surviving market volatility and the importance of your financial advisor when it comes to educating yourself in today's markets.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 09 Oct 2022 12:52:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/3d31c2e4-47d1-11ed-b8da-877589b01ddf/image/3d5dbe.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode of Your Life, Your Money, hosts Chris Creston and Kelvin Rampersad - Kelvin "The Money Guy" - discuss the five principles for surviving market volatility and the importance of your financial advisor when it comes to educating yourself in today's markets.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode of Your Life, Your Money, hosts Chris Creston and Kelvin Rampersad - Kelvin "The Money Guy" - discuss the five principles for surviving market volatility and the importance of your financial advisor when it comes to educating yourself in today's markets.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2528</itunes:duration>
      <guid isPermaLink="false"><![CDATA[3d31c2e4-47d1-11ed-b8da-877589b01ddf]]></guid>
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    <item>
      <title>Your Life, Your Money - Sunday September 25, 2022</title>
      <description>On this episode, hosts Chris and Kelvin discuss how opportunities can come out of crises and how we can take a positive look at investing during turbulent times. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 25 Sep 2022 14:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/2bf6f0aa-3b7c-11ed-bb97-dbdd8ed9a4bb/image/640Toronto_3000x3000_Omny_Your-Life-Your-Money_v1.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode, hosts Chris and Kelvin discuss how opportunities can come out of crises and how we can take a positive look at investing during turbulent times. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode, hosts Chris and Kelvin discuss how opportunities can come out of crises and how we can take a positive look at investing during turbulent times. </p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2700</itunes:duration>
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    <item>
      <title>Your Life, Your Money - September 11 2022</title>
      <description>On this episode Chris and Kelvin Discuss the nuances of a human advisor compared to a robot advisor.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 11 Sep 2022 14:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/17bbefc4-307c-11ed-92e2-b7cbc73b9ebc/image/640Toronto_3000x3000_Omny_Your-Life-Your-Money_v1.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this episode Chris and Kelvin Discuss the nuances of a human advisor compared to a robot advisor.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this episode Chris and Kelvin Discuss the nuances of a human advisor compared to a robot advisor.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2664</itunes:duration>
      <guid isPermaLink="false"><![CDATA[17bbefc4-307c-11ed-92e2-b7cbc73b9ebc]]></guid>
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    <item>
      <title>Your Life, Your Money - Sunday August 28th, 2022</title>
      <description>On this week's show - hosts Kelvin Rampersad and Chris Chreston talk financial planning in various stages of life, how to enjoy your money now while keeping some for later, and an in-depth conversation on the importance of saving your money. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 28 Aug 2022 14:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/6430d818-257f-11ed-bb29-47940f6f5cc1/image/640Toronto_3000x3000_Omny_Your-Life-Your-Money_v1.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this week's show - hosts Kelvin Rampersad and Chris Chreston talk financial planning in various stages of life, how to enjoy your money now while keeping some for later, and an in-depth conversation on the importance of saving your money. 
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this week's show - hosts Kelvin Rampersad and Chris Chreston talk financial planning in various stages of life, how to enjoy your money now while keeping some for later, and an in-depth conversation on the importance of saving your money. </p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2682</itunes:duration>
      <guid isPermaLink="false"><![CDATA[6430d818-257f-11ed-bb29-47940f6f5cc1]]></guid>
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    <item>
      <title>Your Life, Your Money - Sunday, August 14th, 2022</title>
      <description>On this weeks show - hosts Kelvin Rampersad and Chris Chreston talk financial planning with Alex &amp; Hillary about women consistently making smart investments.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 14 Aug 2022 14:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/1d65d248-1a81-11ed-9dec-e338abc587d0/image/640Toronto_3000x3000_Omny_Your-Life-Your-Money_v1.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this weeks show - hosts Kelvin Rampersad and Chris Chreston talk financial planning with Alex &amp; Hillary about women consistently making smart investments.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this weeks show - hosts Kelvin Rampersad and Chris Chreston talk financial planning with Alex &amp; Hillary about women consistently making smart investments.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2698</itunes:duration>
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    <item>
      <title>Your Life, Your Money - Sunday, July 31st, 2022</title>
      <description>On this week's show hosts Kelvin Rampersad and Chris Chreston help you navigate your financial future - talking financial planning &amp; local mortgage rate trends changing beginning of month VS end of month.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 31 Jul 2022 14:00:00 -0000</pubDate>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8aebb61a-223e-11ed-a997-cba555974058/image/640Toronto_3000x3000_Omny_Your-Life-Your-Money_v1.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle></itunes:subtitle>
      <itunes:summary>On this week's show hosts Kelvin Rampersad and Chris Chreston help you navigate your financial future - talking financial planning &amp; local mortgage rate trends changing beginning of month VS end of month.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this week's show hosts Kelvin Rampersad and Chris Chreston help you navigate your financial future - talking financial planning &amp; local mortgage rate trends changing beginning of month VS end of month.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2630</itunes:duration>
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    <item>
      <title>Your Life, Your Money - Sunday, July 17th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-july-17th-2022</link>
      <description>On this weeks show Hosts Kelvin Rampersad and Chris Chreston talk financial planning, local mortgage rates &amp; smart investments they've made in the past.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</description>
      <pubDate>Sun, 17 Jul 2022 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, July 17th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/86fafb8c-06e2-11ed-a47d-83b7e1f18585/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>On this weeks show Hosts Kelvin Rampersad and Chris Chreston talk financial planning, local mortgage rates &amp; smart investments they've made in the past. If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>On this weeks show Hosts Kelvin Rampersad and Chris Chreston talk financial planning, local mortgage rates &amp; smart investments they've made in the past.
If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...
https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this weeks show Hosts Kelvin Rampersad and Chris Chreston talk financial planning, local mortgage rates &amp; smart investments they've made in the past.</p><p>If you have any questions for next week's show or if you'd like to reach out to Kelvin, please visit...</p><p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2693</itunes:duration>
      <guid isPermaLink="false"><![CDATA[f410102a-1176-4fbb-9468-aed301116852]]></guid>
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      <title>Your Life, Your Money - Sunday, July 3rd, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-july-3rd-2022</link>
      <description>On this weeks show Hosts Kelvin Rampersad and Chris Chreston are joined by Guest Stacy Calder to talk financial planning, accumulating and decumulating your wealth properly and how financial apps can work in conjunction with a real financial advisor.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 03 Jul 2022 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, July 3rd, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87509bdc-06e2-11ed-a47d-470f9650006a/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>On this weeks show Hosts Kelvin Rampersad and Chris Chreston are joined by Guest Stacy Calder to talk financial planning, accumulating and decumulating your wealth properly and how financial apps can work in conjunction with a real financial advisor.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>On this weeks show Hosts Kelvin Rampersad and Chris Chreston are joined by Guest Stacy Calder to talk financial planning, accumulating and decumulating your wealth properly and how financial apps can work in conjunction with a real financial advisor.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this weeks show Hosts Kelvin Rampersad and Chris Chreston are joined by Guest Stacy Calder to talk financial planning, accumulating and decumulating your wealth properly and how financial apps can work in conjunction with a real financial advisor.</p>
<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2631</itunes:duration>
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      <title>Your Life, Your Money - Sunday, June 19, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-june-19-2022</link>
      <description>On this weeks show Hosts Kelvin Rampersad and Chris Chreston answer what to do during a recession. Are we in a recession? Is it too late? Why shouldn't I try to time the bottom?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 19 Jun 2022 14:33:25 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, June 19, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/87f914ce-06e2-11ed-a47d-fb7b50fec066/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>On this weeks show Hosts Kelvin Rampersad and Chris Chreston answer what to do during a recession. Are we in a recession? Is it too late? Why shouldn't I try to time the bottom?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>On this weeks show Hosts Kelvin Rampersad and Chris Chreston answer what to do during a recession. Are we in a recession? Is it too late? Why shouldn't I try to time the bottom?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On this weeks show Hosts Kelvin Rampersad and Chris Chreston answer what to do during a recession. Are we in a recession? Is it too late? Why shouldn't I try to time the bottom?</p>
<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
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    <item>
      <title>Your Life, Your Money- Sunday, June 5th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-june-5th-2022</link>
      <description>Is a reverse mortgage the right option for you or your loved ones? How do you make sure you have the most money available when you retire?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 05 Jun 2022 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, June 5th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/886eaed2-06e2-11ed-a47d-83d0f531b3e6/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Is a reverse mortgage the right option for you or your loved ones? How do you make sure you have the most money available when you retire?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>Is a reverse mortgage the right option for you or your loved ones? How do you make sure you have the most money available when you retire?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Is a reverse mortgage the right option for you or your loved ones? How do you make sure you have the most money available when you retire?</p>
<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2691</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU5129994961.mp3?updated=1658180911" length="0" type="audio/mpeg"/>
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    <item>
      <title>Your Life, Your Money- Sunday, May 22nd, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-may-22nd-2022</link>
      <description>When should you start thinking about retirement? How do you make sure you have the most money available when you retire?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 22 May 2022 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, May 22nd, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/88c787b4-06e2-11ed-a47d-4b893d9ebd58/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>When should you start thinking about retirement? How do you make sure you have the most money available when you retire?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>When should you start thinking about retirement? How do you make sure you have the most money available when you retire?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>When should you start thinking about retirement? How do you make sure you have the most money available when you retire?</p>
<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2677</itunes:duration>
      <guid isPermaLink="false"><![CDATA[af620193-09d2-4aed-a0e0-ae9400d72280]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1665316893.mp3?updated=1658180912" length="0" type="audio/mpeg"/>
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    <item>
      <title>Your Life, Your Money- Sunday, May 8th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-may-8th-2022</link>
      <description>What should you do with your tax return? Pay down debt, or treat yourself?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 08 May 2022 14:12:44 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, May 8th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/891f5e80-06e2-11ed-a47d-63c230fe070c/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>What should you do with your tax return? Pay down debt, or treat yourself?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>What should you do with your tax return? Pay down debt, or treat yourself?

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>What should you do with your tax return? Pay down debt, or treat yourself?</p>
<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2572</itunes:duration>
      <guid isPermaLink="false"><![CDATA[51a1c67f-870d-42fd-83de-ae8f00e98a93]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU8673594556.mp3?updated=1658180913" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money- Sunday, April 24th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-april-24th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 24 Apr 2022 14:34:15 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, April 24th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8976b04a-06e2-11ed-a47d-a72f535a8538/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2521</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ebfd9126-81df-49f3-ac88-ae8100ef8bb5]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1280116757.mp3?updated=1658180913" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money- Sunday, April 10th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-april-10th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 10 Apr 2022 14:15:19 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, April 10th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/89cff3bc-06e2-11ed-a47d-a3c236701ed5/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2659</itunes:duration>
      <guid isPermaLink="false"><![CDATA[1a2f5690-3919-42f6-aa70-ae7300ea2ed3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU8744146990.mp3?updated=1658180913" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money- Sunday, March 27th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-march-27th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 27 Mar 2022 14:16:14 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, March 27th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a2a1586-06e2-11ed-a47d-cf07a345127a/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2359</itunes:duration>
      <guid isPermaLink="false"><![CDATA[8f6343d6-7335-455c-98c0-ae6500ead666]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU4732085349.mp3?updated=1658180914" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money- Sunday, March 13th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-march-13th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 13 Mar 2022 14:07:19 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, March 13th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8a7fa168-06e2-11ed-a47d-bbbb1c67061a/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2385</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c439f8d0-95ab-464f-a00e-ae5700e7dcb8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU3677321073.mp3?updated=1658180914" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money- Sunday, February 27th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-february-27th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 27 Feb 2022 15:23:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, February 27th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ad5fd7e-06e2-11ed-a47d-8b5bdbbad69a/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2871</itunes:duration>
      <guid isPermaLink="false"><![CDATA[5b087f52-39b0-437e-9009-ae4900f82ea3]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU8130265705.mp3?updated=1658180915" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday, February 13th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-february-13th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 13 Feb 2022 15:09:52 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, February 13th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8b2e72f6-06e2-11ed-a47d-3f312540dfdf/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2465</itunes:duration>
      <guid isPermaLink="false"><![CDATA[ad204b66-271c-491d-871f-ae3b00f95dbd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1874803779.mp3?updated=1658180916" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday, January 30th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-january-30th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 30 Jan 2022 15:08:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, January 30th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ba4868a-06e2-11ed-a47d-0389bb2e1f1b/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2511</itunes:duration>
      <guid isPermaLink="false"><![CDATA[8ad54225-6971-4303-8cfc-ae2d00f93595]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU9791410333.mp3?updated=1658180917" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday, January 16th, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-january-16th-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 16 Jan 2022 15:17:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, January 16th, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c33d4fc-06e2-11ed-a47d-eb59c1032c01/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2487</itunes:duration>
      <guid isPermaLink="false"><![CDATA[45076468-2442-4444-989e-ae1f00fb803a]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU6319300397.mp3?updated=1658186356" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday, January 2nd, 2022</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-january-2nd-2022</link>
      <description>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 02 Jan 2022 15:04:53 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, January 2nd, 2022</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8c8c690a-06e2-11ed-a47d-3bf91bb98d31/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2620</itunes:duration>
      <guid isPermaLink="false"><![CDATA[12880a7e-ed30-4230-b7de-ae1100f82f94]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU5395666043.mp3?updated=1658180918" length="0" type="audio/mpeg"/>
    </item>
    <item>
      <title>Your Life, Your Money - Sunday, December 19th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-december-19th-2021</link>
      <description>On today's episode, Kelvin and Chris discuss how to plan for 2022.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 19 Dec 2021 15:11:18 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, December 19th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8ce3ab16-06e2-11ed-a47d-dfcc91ac8377/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>On today's episode, Kelvin and Chris discuss how to plan for 2022.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>On today's episode, Kelvin and Chris discuss how to plan for 2022.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On today's episode, Kelvin and Chris discuss how to plan for 2022.</p>
<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
      </content:encoded>
      <itunes:duration>2420</itunes:duration>
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      <title>Your Life, Your Money - Sunday, December 5th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-december-5th-2021</link>
      <description>On today's episode, Kelvin and Chris discuss the importance of TFSA's and the road to retirement.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</description>
      <pubDate>Sun, 05 Dec 2021 15:21:34 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, December 5th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8d3cc23c-06e2-11ed-a47d-0f06afcd9370/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>On today's episode, Kelvin and Chris discuss the importance of TFSA's and the road to retirement.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:subtitle>
      <itunes:summary>On today's episode, Kelvin and Chris discuss the importance of TFSA's and the road to retirement.

If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...

https://askkelvin.ca/</itunes:summary>
      <content:encoded>
        <![CDATA[<p>On today's episode, Kelvin and Chris discuss the importance of TFSA's and the road to retirement.</p>
<p>If you have any questions for next week's show or if you'd like to reach out to Kelvin,  please visit...</p>
<p>https://askkelvin.ca/</p>]]>
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      <itunes:duration>2573</itunes:duration>
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      <title>Your Life, Your Money - Sunday, November 21st, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-november-21st-2021</link>
      <description></description>
      <pubDate>Sun, 21 Nov 2021 15:04:24 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, November 21st, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8db11e20-06e2-11ed-a47d-df02e1749ce7/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
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      <itunes:duration>2601</itunes:duration>
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    <item>
      <title>Your Life, Your Money - Sunday, November 7th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-november-7th-2021</link>
      <description> 

Kelvin and Chris chat with Maria Flores, Chief Compliance Officer at Cart Wealth Management, about a legal document known as power of attorney (POA). Maria helps to explain the legal document and its benefits - notably to those mentally incapable or physically disabled.</description>
      <pubDate>Sun, 07 Nov 2021 15:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, November 7th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e087454-06e2-11ed-a47d-efd026b58398/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle> 

Kelvin and Chris chat with Maria Flores, Chief Compliance Officer at Cart Wealth Management, about a legal document known as power of attorney (POA). Maria helps to explain the legal document and its benefits - notably to those mentally incapable or physically disabled.</itunes:subtitle>
      <itunes:summary> 

Kelvin and Chris chat with Maria Flores, Chief Compliance Officer at Cart Wealth Management, about a legal document known as power of attorney (POA). Maria helps to explain the legal document and its benefits - notably to those mentally incapable or physically disabled.</itunes:summary>
      <content:encoded>
        <![CDATA[<p> </p>
<p>Kelvin and Chris chat with Maria Flores, Chief Compliance Officer at Cart Wealth Management, about a legal document known as power of attorney (POA). Maria helps to explain the legal document and its benefits - notably to those mentally incapable or physically disabled.</p>]]>
      </content:encoded>
      <itunes:duration>2555</itunes:duration>
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      <title>Your Life, Your Money - Sunday Oct 24th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-oct-24th-2021</link>
      <description>How far down the road do you look for your financial future? Will it be easy to transfer you wealth to the next generation? Kelvin can help you make the transfer process much easier, it's all about planning!</description>
      <pubDate>Sun, 24 Oct 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday Oct 24th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8e608086-06e2-11ed-a47d-fb8db4b4d89c/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>How far down the road do you look for your financial future? Will it be easy to transfer you wealth to the next generation? Kelvin can help you make the transfer process much easier, it's all about planning!</itunes:subtitle>
      <itunes:summary>How far down the road do you look for your financial future? Will it be easy to transfer you wealth to the next generation? Kelvin can help you make the transfer process much easier, it's all about planning!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>How far down the road do you look for your financial future? Will it be easy to transfer you wealth to the next generation? Kelvin can help you make the transfer process much easier, it's all about planning!</p>]]>
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      <itunes:duration>2744</itunes:duration>
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      <title>Your Life, Your Money - Sunday, October 17th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-october-17th-2021</link>
      <description>Gyms are reopening so you can get back to your fitness routine but what about your financial fitness? Is your portfolio where it should be? Join Kelvin 'The Money Guy' Rampersad as he takes on the role of financial fitness trainer!</description>
      <pubDate>Sun, 17 Oct 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, October 17th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8eb91dae-06e2-11ed-a47d-038c5076fe19/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Gyms are reopening so you can get back to your fitness routine but what about your financial fitness? Is your portfolio where it should be? Join Kelvin 'The Money Guy' Rampersad as he takes on the role of financial fitness trainer!</itunes:subtitle>
      <itunes:summary>Gyms are reopening so you can get back to your fitness routine but what about your financial fitness? Is your portfolio where it should be? Join Kelvin 'The Money Guy' Rampersad as he takes on the role of financial fitness trainer!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Gyms are reopening so you can get back to your fitness routine but what about your financial fitness? Is your portfolio where it should be? Join Kelvin 'The Money Guy' Rampersad as he takes on the role of financial fitness trainer!</p>]]>
      </content:encoded>
      <itunes:duration>2526</itunes:duration>
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      <title>Your Life, Your Money - Sunday, October 10th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-october-10th-2021</link>
      <description>This show originally aired on Sun Sep 12 2021.

What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</description>
      <pubDate>Sun, 10 Oct 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, October 10th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f0fcd8e-06e2-11ed-a47d-6b52e9dcf8b6/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>This show originally aired on Sun Sep 12 2021.

What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</itunes:subtitle>
      <itunes:summary>This show originally aired on Sun Sep 12 2021.

What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>This show originally aired on Sun Sep 12 2021.</p>
<p>What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</p>]]>
      </content:encoded>
      <itunes:duration>2739</itunes:duration>
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      <title>Your Life, Your Money - Sunday, September 26th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-september-26th-2021</link>
      <description>Are you a member of 'The Sandwich Generation'? How does that affect your financial health? Get the tips, tricks, and answers you need from Kelvin 'The Money Guy' Rampersad!</description>
      <pubDate>Sun, 26 Sep 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, September 26th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8f671396-06e2-11ed-a47d-bf5aa6c62ca0/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Are you a member of 'The Sandwich Generation'? How does that affect your financial health? Get the tips, tricks, and answers you need from Kelvin 'The Money Guy' Rampersad!</itunes:subtitle>
      <itunes:summary>Are you a member of 'The Sandwich Generation'? How does that affect your financial health? Get the tips, tricks, and answers you need from Kelvin 'The Money Guy' Rampersad!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Are you a member of 'The Sandwich Generation'? How does that affect your financial health? Get the tips, tricks, and answers you need from Kelvin 'The Money Guy' Rampersad!</p>]]>
      </content:encoded>
      <itunes:duration>2593</itunes:duration>
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    <item>
      <title>Your Life, Your Money - Sunday, September 12th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-september-12th-2021</link>
      <description>What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</description>
      <pubDate>Sun, 12 Sep 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, September 12th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/8fbde2ca-06e2-11ed-a47d-c392401be542/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</itunes:subtitle>
      <itunes:summary>What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>What's wrong with your financial planning? Are you "on top of it"? Our behaviour toward finances is critical. Kelvin can advise you if your behaviours need some tweaking!</p>]]>
      </content:encoded>
      <itunes:duration>2739</itunes:duration>
      <guid isPermaLink="false"><![CDATA[c95f18da-3740-4dbb-99d5-ad9f00eed5d8]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1045497667.mp3?updated=1658180923" length="0" type="audio/mpeg"/>
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    <item>
      <title>Your Life, Your Money - Sunday, August 29th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-august-29th-2021</link>
      <description>What will be the effect of the election on your financial planning? Join Kelvin 'The Money Guy' for insight into all the potential reverberations that could affect your wealth due to election promises and new legislation!</description>
      <pubDate>Sun, 29 Aug 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, August 29th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/90156b94-06e2-11ed-a47d-b393a419565e/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>What will be the effect of the election on your financial planning? Join Kelvin 'The Money Guy' for insight into all the potential reverberations that could affect your wealth due to election promises and new legislation!</itunes:subtitle>
      <itunes:summary>What will be the effect of the election on your financial planning? Join Kelvin 'The Money Guy' for insight into all the potential reverberations that could affect your wealth due to election promises and new legislation!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>What will be the effect of the election on your financial planning? Join Kelvin 'The Money Guy' for insight into all the potential reverberations that could affect your wealth due to election promises and new legislation!</p>]]>
      </content:encoded>
      <itunes:duration>2672</itunes:duration>
      <guid isPermaLink="false"><![CDATA[5fa7bf1d-6123-495b-92ee-ad91011357fd]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU4745627306.mp3?updated=1658180924" length="0" type="audio/mpeg"/>
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    <item>
      <title>Your Life, Your Money - Sunday, August 15th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-august-15th-2021</link>
      <description>Join Chris Chreston and Kelvin "The Money Guy" Rampersad as they tackle the pressing financial issues of the day, including the much misunderstood topic of inflation. What is it? How will it affect your day-to-day life?</description>
      <pubDate>Sun, 15 Aug 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, August 15th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/907689ec-06e2-11ed-a47d-e7e3f299a7a6/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Join Chris Chreston and Kelvin "The Money Guy" Rampersad as they tackle the pressing financial issues of the day, including the much misunderstood topic of inflation. What is it? How will it affect your day-to-day life?</itunes:subtitle>
      <itunes:summary>Join Chris Chreston and Kelvin "The Money Guy" Rampersad as they tackle the pressing financial issues of the day, including the much misunderstood topic of inflation. What is it? How will it affect your day-to-day life?</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Join Chris Chreston and Kelvin "The Money Guy" Rampersad as they tackle the pressing financial issues of the day, including the much misunderstood topic of inflation. What is it? How will it affect your day-to-day life?</p>]]>
      </content:encoded>
      <itunes:duration>2681</itunes:duration>
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      <title>Your Life, Your Money - Sunday August 1st, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-august-1-2021</link>
      <description>Are you concerned about your financial future? It can look brighter with all the latest financial tips and insight from Kelvin The Money Guy!</description>
      <pubDate>Sun, 01 Aug 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday August 1st, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/90d06354-06e2-11ed-a47d-ffecbdaa5d6e/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Are you concerned about your financial future? It can look brighter with all the latest financial tips and insight from Kelvin The Money Guy!</itunes:subtitle>
      <itunes:summary>Are you concerned about your financial future? It can look brighter with all the latest financial tips and insight from Kelvin The Money Guy!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Are you concerned about your financial future? It can look brighter with all the latest financial tips and insight from Kelvin The Money Guy!</p>]]>
      </content:encoded>
      <itunes:duration>2759</itunes:duration>
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      <title>Your Life, Your Money - Sunday July 18th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/expert-hour-podcast</link>
      <description>Twenty percent of Canadians are looking to switch wealth management firms in the next three years. Are you one of them? Join Chris Chreston and Kelvin Rampersad as they help you navigate the investment waters as we come out of the pandemic and relaunch the economy. A lot has changed since March 2020 and investing appears to be more critical than ever.</description>
      <pubDate>Sun, 18 Jul 2021 14:00:00 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday July 18th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/91273828-06e2-11ed-a47d-47286a7bee4b/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Twenty percent of Canadians are looking to switch wealth management firms in the next three years. Are you one of them? Join Chris Chreston and Kelvin Rampersad as they help you navigate the investment waters as we come out of the pandemic and relaunch the economy. A lot has changed since March 2020 and investing appears to be more critical than ever.</itunes:subtitle>
      <itunes:summary>Twenty percent of Canadians are looking to switch wealth management firms in the next three years. Are you one of them? Join Chris Chreston and Kelvin Rampersad as they help you navigate the investment waters as we come out of the pandemic and relaunch the economy. A lot has changed since March 2020 and investing appears to be more critical than ever.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Twenty percent of Canadians are looking to switch wealth management firms in the next three years. Are you one of them? Join Chris Chreston and Kelvin Rampersad as they help you navigate the investment waters as we come out of the pandemic and relaunch the economy. A lot has changed since March 2020 and investing appears to be more critical than ever.</p>]]>
      </content:encoded>
      <itunes:duration>2706</itunes:duration>
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      <title>Your Life, Your Money- Sunday, July 4th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-july-4th-2021</link>
      <description></description>
      <pubDate>Sun, 04 Jul 2021 14:01:48 -0000</pubDate>
      <itunes:title>Your Life, Your Money- Sunday, July 4th, 2021</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/91800d72-06e2-11ed-a47d-d32c410f26d6/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle/>
      <itunes:summary></itunes:summary>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <itunes:duration>2499</itunes:duration>
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      <title>Your Life, Your Money- Sunday, June 20th, 2021</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-june-20th-2021</link>
      <description></description>
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On this episode, Kelvin and Chris talk about the pros and cons of reverse mortgages.</description>
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On this episode, Kelvin and Chris talk about the pros and cons of reverse mortgages.</itunes:summary>
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 </description>
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 </itunes:subtitle>
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On this episode, Kelvin and Chris review the year that was 2020.</description>
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      <itunes:subtitle>Your Life, Your Money - Sunday, January 3rd, 2021 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris review the year that was 2020.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, January 3rd, 2021 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris review the year that was 2020.</itunes:summary>
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<p>On this episode, Kelvin and Chris review the year that was 2020.</p>]]>
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      <description>Your Life, Your Money - Sunday, December 20th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss K shaped economic recovery, and recap the year that was 2020.</description>
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      <itunes:title>Your Life, Your Money - Sunday, December 20th, 2020.</itunes:title>
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      <itunes:subtitle>Your Life, Your Money - Sunday, December 20th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss K shaped economic recovery, and recap the year that was 2020.</itunes:subtitle>
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On this episode, Kelvin and Chris discuss K shaped economic recovery, and recap the year that was 2020.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, December 20th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On this episode, Kelvin and Chris discuss K shaped economic recovery, and recap the year that was 2020.</p>]]>
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On this episode, Kelvin and Chris discuss what to do with your extra savings.</description>
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      <itunes:subtitle>Your Life, Your Money - Sunday, December 6th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss what to do with your extra savings.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, December 6th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss what to do with your extra savings.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, December 6th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On this episode, Kelvin and Chris discuss what to do with your extra savings.</p>]]>
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On this episode, Kelvin and Chris discuss taxes, business, and business taxes.</description>
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      <itunes:title>Your Life, Your Money - Sunday, November 22nd, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money - Sunday, November 22nd, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss taxes, business, and business taxes.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, November 22nd, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss taxes, business, and business taxes.</itunes:summary>
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        <![CDATA[<p>Your Life, Your Money - Sunday, November 22nd, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On this episode, Kelvin and Chris discuss taxes, business, and business taxes.</p>]]>
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On this episode, Kelvin and Chris discuss how the US presidential election will affect everyone's finances and more!</description>
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      <itunes:title>Your Life, Your Money - Sunday, November 8th, 2020.</itunes:title>
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      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money - Sunday, November 8th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss how the US presidential election will affect everyone's finances and more!</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, November 8th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss how the US presidential election will affect everyone's finances and more!</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, November 8th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On this episode, Kelvin and Chris discuss how the US presidential election will affect everyone's finances and more!</p>]]>
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      <title>Your Life, Your Money - Sunday, October 25th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-october-25th-2020</link>
      <description>Your Life, Your Money - Sunday, October 25th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss when it's best for you to cash in your CPP, and how to re-invest it.</description>
      <pubDate>Sun, 25 Oct 2020 14:06:42 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, October 25th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/98b1b208-06e2-11ed-a47d-5f7038defded/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, October 25th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss when it's best for you to cash in your CPP, and how to re-invest it.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, October 25th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss when it's best for you to cash in your CPP, and how to re-invest it.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, October 25th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On this episode, Kelvin and Chris discuss when it's best for you to cash in your CPP, and how to re-invest it.</p>]]>
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      <itunes:duration>2613</itunes:duration>
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      <title>Your Life, Your Money - Sunday, October 11th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-october-11th-2020</link>
      <description>Your Life, Your Money - Sunday, October 11th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss death, taxes, and what happens to your CPP contributions if you die single.</description>
      <pubDate>Sun, 11 Oct 2020 14:06:37 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, October 11th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/992aa974-06e2-11ed-a47d-2f690b82ca52/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, October 11th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss death, taxes, and what happens to your CPP contributions if you die single.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, October 11th, 2020 with Kelvin Rampersad and Chris Chreston.

On this episode, Kelvin and Chris discuss death, taxes, and what happens to your CPP contributions if you die single.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, October 11th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On this episode, Kelvin and Chris discuss death, taxes, and what happens to your CPP contributions if you die single.</p>]]>
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      <itunes:duration>2606</itunes:duration>
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      <title>Your Life, Your Money - Sunday, September 27th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-september-27th-2020</link>
      <description>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 27 Sep 2020 14:06:24 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, September 27th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99844498-06e2-11ed-a47d-2b8f15b826d6/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.</p>]]>
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      <itunes:duration>2608</itunes:duration>
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      <title>Your Life, Your Money - Sunday, September 13th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-september-13th-2020</link>
      <description>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.

On this show, Kelvin and Chris talk about the differences between RRSPs and TFSAs, and why you should use a TFSA in your retirement plan.</description>
      <pubDate>Sun, 13 Sep 2020 14:06:53 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, September 13th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/99de8f3e-06e2-11ed-a47d-4fde20992312/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.

On this show, Kelvin and Chris talk about the differences between RRSPs and TFSAs, and why you should use a TFSA in your retirement plan.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.

On this show, Kelvin and Chris talk about the differences between RRSPs and TFSAs, and why you should use a TFSA in your retirement plan.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, September 13th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On this show, Kelvin and Chris talk about the differences between RRSPs and TFSAs, and why you should use a TFSA in your retirement plan.</p>]]>
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      <itunes:duration>2529</itunes:duration>
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      <title>Your Life, Your Money - Sunday, August 30th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-august-30th-2020</link>
      <description>Your Life, Your Money - Sunday, August 30th, 2020 with Kelvin Rampersad and Chris Chreston.

On the show, they discussed Life Insurance as well as disability and Critical Illness Insurance. The dove deep into each topic, helping to make understanding what they are, and why/when you should use them, as easy as possible.</description>
      <pubDate>Sun, 30 Aug 2020 14:13:11 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, August 30th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9a3865d6-06e2-11ed-a47d-9b5106af8d49/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, August 30th, 2020 with Kelvin Rampersad and Chris Chreston.

On the show, they discussed Life Insurance as well as disability and Critical Illness Insurance. The dove deep into each topic, helping to make understanding what they are, and why/when you should use them, as easy as possible.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, August 30th, 2020 with Kelvin Rampersad and Chris Chreston.

On the show, they discussed Life Insurance as well as disability and Critical Illness Insurance. The dove deep into each topic, helping to make understanding what they are, and why/when you should use them, as easy as possible.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, August 30th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On the show, they discussed Life Insurance as well as disability and Critical Illness Insurance. The dove deep into each topic, helping to make understanding what they are, and why/when you should use them, as easy as possible.</p>]]>
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      <itunes:duration>2610</itunes:duration>
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      <title>Your Life, Your Money - Sunday, August 16th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-august-16th-2020</link>
      <description>Your Life, Your Money - Sunday, August 16th, 2020 with Kelvin Rampersad and Chris Chreston.

On the show, they discussed the retirement conundrum and how to spend money to enjoy your time without over spending. Spend smart.</description>
      <pubDate>Sun, 16 Aug 2020 14:07:41 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, August 16th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9a91ef98-06e2-11ed-a47d-8b9222b0b9b8/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, August 16th, 2020 with Kelvin Rampersad and Chris Chreston.

On the show, they discussed the retirement conundrum and how to spend money to enjoy your time without over spending. Spend smart.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, August 16th, 2020 with Kelvin Rampersad and Chris Chreston.

On the show, they discussed the retirement conundrum and how to spend money to enjoy your time without over spending. Spend smart.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, August 16th, 2020 with Kelvin Rampersad and Chris Chreston.</p>
<p>On the show, they discussed the retirement conundrum and how to spend money to enjoy your time without over spending. Spend smart.</p>]]>
      </content:encoded>
      <itunes:duration>2605</itunes:duration>
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      <title>Your Life, Your Money - Sunday, August 2nd, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-august-2nd-2020</link>
      <description>Your Life, Your Money - Sunday, August 2nd, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 02 Aug 2020 14:17:54 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, August 2nd, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9aee5f1c-06e2-11ed-a47d-dfeaf969c69b/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, August 2nd, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, August 2nd, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, August 2nd, 2020 with Kelvin Rampersad and Chris Chreston.</p>]]>
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      <itunes:duration>2711</itunes:duration>
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      <title>Your Life, Your Money - Sunday, July 19th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-july-19th-2020</link>
      <description>Your Life, Your Money - Sunday, July 19th, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 19 Jul 2020 14:09:24 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, July 19th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9b516314-06e2-11ed-a47d-03fb6e4ce0a0/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, July 19th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, July 19th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, July 19th, 2020 with Kelvin Rampersad and Chris Chreston.</p>]]>
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      <itunes:duration>2619</itunes:duration>
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      <title>Your Life, Your Money - Sunday, July 5th, 2020.</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-july-5th-2020</link>
      <description>Your Life, Your Money - Sunday, July 5tht, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 05 Jul 2020 14:04:41 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, July 5th, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9baaf47e-06e2-11ed-a47d-cf980e739020/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, July 5tht, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, July 5tht, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, July 5tht, 2020 with Kelvin Rampersad and Chris Chreston.</p>]]>
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      <itunes:duration>2609</itunes:duration>
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      <title>Your Life, Your Money - Sunday, June 21st, 2020.</title>
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      <description>Your Life, Your Money - Sunday, June 21st, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 21 Jun 2020 14:19:12 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, June 21st, 2020.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c04f802-06e2-11ed-a47d-4b084841da55/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, June 21st, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, June 21st, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, June 21st, 2020 with Kelvin Rampersad and Chris Chreston.</p>]]>
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      <itunes:duration>2625</itunes:duration>
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      <title>Your Life, Your Money - Sunday, June 7th, 2020</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-june-7th-2020</link>
      <description>Your Life, Your Money - Sunday, June 7th, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 07 Jun 2020 14:08:34 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, June 7th, 2020</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9c5bf774-06e2-11ed-a47d-7fc4dc77f6fb/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, June 7th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, June 7th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday, June 7th, 2020 with Kelvin Rampersad and Chris Chreston.</p>]]>
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      <itunes:duration>2649</itunes:duration>
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      <title>Your Life, Your Money - Sunday, May 24th, 2020</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-may-24th-2020</link>
      <description>Your Life, Your Money - Sunday, May 24th, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 24 May 2020 14:05:05 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, May 24th, 2020</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9cbcf1a0-06e2-11ed-a47d-5f2969a22c0c/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, May 24th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, May 24th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:summary>
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        <![CDATA[<p>Your Life, Your Money - Sunday, May 24th, 2020 with Kelvin Rampersad and Chris Chreston.</p>]]>
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      <itunes:duration>2564</itunes:duration>
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      <title>Your Life, Your Money - Sunday, May 10th, 2020</title>
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      <description>Your Life, Your Money - Sunday, May 10th, 2020 with Kelvin Rampersad and Chris Chreston.</description>
      <pubDate>Sun, 10 May 2020 14:05:32 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, May 10th, 2020</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/9d178eb2-06e2-11ed-a47d-cb963f94ff60/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday, May 10th, 2020 with Kelvin Rampersad and Chris Chreston.</itunes:subtitle>
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      <description>Your Life, Your Money - Sunday, September 8th 2019 with Kelvin Rampersad and Chris Chreston</description>
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      <description>Your Life, Your Money - Sunday, August 11th 2019. With Kelvin Rampersad, Chris Chreston</description>
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      <description>Your Life, Your Money - Sunday, August 11th 2019. With Kelvin Rampersad, Chris Chreston</description>
      <pubDate>Sun, 11 Aug 2019 14:05:42 -0000</pubDate>
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      <title>Your Life, Your Money - Sunday, July 28th 2019</title>
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      <description>Your Life, Your Money - Sunday, July 14th 2019. With Kelvin Rampersad, Chris Chreston and guest J.P. Laporte, CEO of INTEGRIS Pension Management Corp. </description>
      <pubDate>Sun, 28 Jul 2019 14:06:02 -0000</pubDate>
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      <itunes:subtitle>Your Life, Your Money - Sunday, July 14th 2019. With Kelvin Rampersad, Chris Chreston and guest J.P. Laporte, CEO of INTEGRIS Pension Management Corp. </itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday, July 14th 2019. With Kelvin Rampersad, Chris Chreston and guest J.P. Laporte, CEO of INTEGRIS Pension Management Corp. </itunes:summary>
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      <description>Your Life, Your Money - Sunday, July 14th 2019. With Kelvin Rampersad &amp; Chris Chreston.</description>
      <pubDate>Sun, 14 Jul 2019 14:12:09 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, July 14th 2019.</itunes:title>
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      <itunes:subtitle>Your Life, Your Money - Sunday, July 14th 2019. With Kelvin Rampersad &amp; Chris Chreston.</itunes:subtitle>
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      <itunes:duration>2394</itunes:duration>
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      <title>Your Life, Your Money - Sunday, June 23rd 2019.</title>
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      <description>Your Life, Your Money - Sunday, June 23rd 2019. With Kelvin Rampersad &amp; Chris Chreston.</description>
      <pubDate>Sun, 23 Jun 2019 14:07:35 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, June 23rd 2019.</itunes:title>
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      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money - Sunday, June 23rd 2019. With Kelvin Rampersad &amp; Chris Chreston.</itunes:subtitle>
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      <description>Your Life, Your Money - Sunday, June 9th, 2019 with Kelvin the Money Guy, Brittany the Money Girl, and host, Chris Chreston.</description>
      <pubDate>Sun, 09 Jun 2019 14:14:29 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday, June 9th, 2019</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <itunes:subtitle>Your Life, Your Money - Sunday, June 9th, 2019 with Kelvin the Money Guy, Brittany the Money Girl, and host, Chris Chreston.</itunes:subtitle>
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      <title>Your Life, Your Money -  Sunday, May 12th 2019</title>
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      <description>Your Life, Your Money -  Sunday, May 12th 2019. With Kelvin Rampersad, Brittney Rampersad &amp; Britt Chris Chreston. </description>
      <pubDate>Sun, 12 May 2019 14:06:22 -0000</pubDate>
      <itunes:title>Your Life, Your Money -  Sunday, May 12th 2019</itunes:title>
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      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money -  Sunday, May 12th 2019. With Kelvin Rampersad, Brittney Rampersad &amp; Britt Chris Chreston. </itunes:subtitle>
      <itunes:summary>Your Life, Your Money -  Sunday, May 12th 2019. With Kelvin Rampersad, Brittney Rampersad &amp; Britt Chris Chreston. </itunes:summary>
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      <itunes:duration>2694</itunes:duration>
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      <title>Your Life, Your Money -  Sunday, April 14th 2019</title>
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      <description>Your Life, Your Money -  Sunday, April 14th 2019. With Kelvin Rampersad &amp; Chris Chreston. </description>
      <pubDate>Sun, 14 Apr 2019 14:05:48 -0000</pubDate>
      <itunes:title>Your Life, Your Money -  Sunday, April 14th 2019</itunes:title>
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      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money -  Sunday, April 14th 2019. With Kelvin Rampersad &amp; Chris Chreston. </itunes:subtitle>
      <itunes:summary>Your Life, Your Money -  Sunday, April 14th 2019. With Kelvin Rampersad &amp; Chris Chreston. </itunes:summary>
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      <title>Your Life, Your Money. Sunday, March 31st 2019.</title>
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      <description>Your Life, Your Money. Sunday, March 31st 2019. With Kelvin Rampersad &amp; Chris Chreston. This week's episode features Anne-Marie Isaacson.</description>
      <pubDate>Sun, 31 Mar 2019 14:07:28 -0000</pubDate>
      <itunes:title>Your Life, Your Money. Sunday, March 31st 2019.</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money. Sunday, March 31st 2019. With Kelvin Rampersad &amp; Chris Chreston. This week's episode features Anne-Marie Isaacson.</itunes:subtitle>
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      <itunes:duration>2382</itunes:duration>
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      <description>Your Life, Your Money. Sunday, March 17th 2019.</description>
      <pubDate>Sun, 17 Mar 2019 14:30:02 -0000</pubDate>
      <itunes:title>Your Life, Your Money. Sunday, March 17th 2019.</itunes:title>
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      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money. Sunday, March 17th 2019.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money. Sunday, March 17th 2019.</itunes:summary>
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      <itunes:duration>2501</itunes:duration>
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      <title>Your Life, Your Money - Sunday February 24th, 2019</title>
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      <description>Your Life, Your Money - Sunday February 24th, 2019</description>
      <pubDate>Sun, 24 Feb 2019 15:07:29 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday February 24th, 2019</itunes:title>
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      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money - Sunday February 24th, 2019</itunes:subtitle>
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      <itunes:duration>2959</itunes:duration>
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      <title>Your Life, Your Money - Sunday February 10th, 2019</title>
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      <description>Your Life, Your Money - Sunday February 10th, 2019 with host Kelvin Rampersad and Chris Chreston.

This week Kelvin discussed Canada's 5th season, RRSP season. He explains RRSP's, how they can benefit you, and when you should consider buying them.</description>
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      <itunes:title>Your Life, Your Money - Sunday February 10th, 2019</itunes:title>
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      <itunes:author>640 Toronto</itunes:author>
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      <itunes:subtitle>Your Life, Your Money - Sunday February 10th, 2019 with host Kelvin Rampersad and Chris Chreston.

This week Kelvin discussed Canada's 5th season, RRSP season. He explains RRSP's, how they can benefit you, and when you should consider buying them.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday February 10th, 2019 with host Kelvin Rampersad and Chris Chreston.

This week Kelvin discussed Canada's 5th season, RRSP season. He explains RRSP's, how they can benefit you, and when you should consider buying them.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday February 10th, 2019 with host Kelvin Rampersad and Chris Chreston.</p>
<p>This week Kelvin discussed Canada's 5th season, RRSP season. He explains RRSP's, how they can benefit you, and when you should consider buying them.</p>]]>
      </content:encoded>
      <itunes:duration>2517</itunes:duration>
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    </item>
    <item>
      <title>Your Life, Your Money - Sunday January 27th, 2019</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-january-13th-2019-1</link>
      <description>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.

This week Kelvin discussed planning for future finances and retirement, based on whether RRSPs would be your main source of income after retirement, and the difference between TFSA's and RRSP's.

He also explained you may be paying more taxes later in life, when you start taking out money from investments.</description>
      <pubDate>Sun, 27 Jan 2019 15:36:58 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday January 27th, 2019</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8941698-06e2-11ed-a47d-1bb85e61c05a/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.

This week Kelvin discussed planning for future finances and retirement, based on whether RRSPs would be your main source of income after retirement, and the difference between TFSA's and RRSP's.

He also explained you may be paying more taxes later in life, when you start taking out money from investments.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.

This week Kelvin discussed planning for future finances and retirement, based on whether RRSPs would be your main source of income after retirement, and the difference between TFSA's and RRSP's.

He also explained you may be paying more taxes later in life, when you start taking out money from investments.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.</p>
<p>This week Kelvin discussed planning for future finances and retirement, based on whether RRSPs would be your main source of income after retirement, and the difference between TFSA's and RRSP's.</p>
<p>He also explained you may be paying more taxes later in life, when you start taking out money from investments.</p>]]>
      </content:encoded>
      <itunes:duration>2542</itunes:duration>
      <guid isPermaLink="false"><![CDATA[425df998-1ef2-4904-9236-a9e200fa20b9]]></guid>
      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU2430251163.mp3?updated=1658180958" length="0" type="audio/mpeg"/>
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    <item>
      <title>Your Life, Your Money - Sunday January 13th, 2019</title>
      <link>https://omny.fm/shows/640-toronto/your-life-your-money-sunday-january-13th-2019</link>
      <description>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.

In this first edition of Your Life, Your Money, Kelvin introduces himself and his new show.

Kelvin talks about how to start saving for the new year, recommending putting away 10% of your income each month, and ways to save on daily expenses.

He discusses how to properly plan and prioritize for the things you really want in life.

As well as explaining TFSA’s and retirement plans.</description>
      <pubDate>Sun, 13 Jan 2019 15:33:17 -0000</pubDate>
      <itunes:title>Your Life, Your Money - Sunday January 13th, 2019</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:author>640 Toronto</itunes:author>
      <itunes:image href="https://megaphone.imgix.net/podcasts/a8ee983e-06e2-11ed-a47d-73cc60bbf359/image/image.jpg?ixlib=rails-4.3.1&amp;max-w=3000&amp;max-h=3000&amp;fit=crop&amp;auto=format,compress"/>
      <itunes:subtitle>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.

In this first edition of Your Life, Your Money, Kelvin introduces himself and his new show.

Kelvin talks about how to start saving for the new year, recommending putting away 10% of your income each month, and ways to save on daily expenses.

He discusses how to properly plan and prioritize for the things you really want in life.

As well as explaining TFSA’s and retirement plans.</itunes:subtitle>
      <itunes:summary>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.

In this first edition of Your Life, Your Money, Kelvin introduces himself and his new show.

Kelvin talks about how to start saving for the new year, recommending putting away 10% of your income each month, and ways to save on daily expenses.

He discusses how to properly plan and prioritize for the things you really want in life.

As well as explaining TFSA’s and retirement plans.</itunes:summary>
      <content:encoded>
        <![CDATA[<p>Your Life, Your Money - Sunday January 13th, 2019 with host Kelvin Rampersad and Chris Chreston.</p>
<p>In this first edition of Your Life, Your Money, Kelvin introduces himself and his new show.</p>
<p>Kelvin talks about how to start saving for the new year, recommending putting away 10% of your income each month, and ways to save on daily expenses.</p>
<p>He discusses how to properly plan and prioritize for the things you really want in life.</p>
<p>As well as explaining TFSA’s and retirement plans.</p>]]>
      </content:encoded>
      <itunes:duration>2527</itunes:duration>
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      <enclosure url="https://pdst.fm/e/traffic.megaphone.fm/CORU1060076474.mp3?updated=1658180959" length="0" type="audio/mpeg"/>
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