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	<title>GrossmanCGA - How can I help?</title>
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	<link>http://grossmancga.com/site</link>
	<description>Independent advice in your best interest</description>
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		<title>Three Ways to Stay Ahead of the SEC Cyberthreat Disclosure Mandate</title>
		<link>http://grossmancga.com/site/2012/05/14/three-ways-stay-ahead-of-sec-cyberthreat-disclosure-mandate/</link>
		<comments>http://grossmancga.com/site/2012/05/14/three-ways-stay-ahead-of-sec-cyberthreat-disclosure-mandate/#comments</comments>
		<pubDate>Mon, 14 May 2012 18:15:25 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Securities]]></category>
		<category><![CDATA[cloud]]></category>
		<category><![CDATA[computing]]></category>
		<category><![CDATA[directors]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[officers]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2094</guid>
		<description><![CDATA[by Joshua Gold of Anderson Kill &#38; Olick, P.C For senior management, directors and officers (D&#38;O) insurance understandably has an importance like no other policy in the company’s portfolio. Given the staggering number of data security breaches revealed in recent months, that self-protective instinct must also include ensuring that management is covered against cyberthreats. No company...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/14/three-ways-stay-ahead-of-sec-cyberthreat-disclosure-mandate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sales Thought &#8211; Socks</title>
		<link>http://grossmancga.com/site/2012/05/14/sales-thought-socks/</link>
		<comments>http://grossmancga.com/site/2012/05/14/sales-thought-socks/#comments</comments>
		<pubDate>Mon, 14 May 2012 17:33:40 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Canadian Securities]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[cross]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[prospect]]></category>
		<category><![CDATA[sales]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2091</guid>
		<description><![CDATA[by Nick Miller of Clarity Advantage In which we are reminded that one key to cross selling is understanding clients&#8217; goals and destinations. &#8220;I would like to buy some socks,&#8221; my friend said. He was just inside the entrance to a V E R Y nice men&#8217;s clothing store, responding to a sales person&#8217;s gently formal...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/14/sales-thought-socks/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Registration for GST/HST &#8211; Gone with the 30 Day Grace Period</title>
		<link>http://grossmancga.com/site/2012/05/10/registration-for-gsthst-gone-day-grace-period/</link>
		<comments>http://grossmancga.com/site/2012/05/10/registration-for-gsthst-gone-day-grace-period/#comments</comments>
		<pubDate>Thu, 10 May 2012 16:13:00 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[GST]]></category>
		<category><![CDATA[HST]]></category>
		<category><![CDATA[registration]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2087</guid>
		<description><![CDATA[by Marc Weisman of Torkin Manes LLP The Canada Revenue Agency (the &#8220;CRA&#8221;) has recently changed its practice of backdating registrations for GST/HST. A person (i.e., an individual, partnership, trust and corporation) is required to register for GST/HST when that person makes a taxable supply in Canada.  A person can &#8216;voluntarily&#8217; register for GST/HST even if...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/10/registration-for-gsthst-gone-day-grace-period/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Facing Discipline For Facebook Postings [in Canada]</title>
		<link>http://grossmancga.com/site/2012/05/10/facing-discipline-for-facebook-postings-canada/</link>
		<comments>http://grossmancga.com/site/2012/05/10/facing-discipline-for-facebook-postings-canada/#comments</comments>
		<pubDate>Thu, 10 May 2012 12:02:56 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[HR and Benefits]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[employee]]></category>
		<category><![CDATA[employer]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[firing]]></category>
		<category><![CDATA[termination]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2083</guid>
		<description><![CDATA[by Parisa Nikfarjam, Student-at-Law at Borden Ladner Gervais LLP More than ever, Facebook and other social media networks serve as a means of communication and a source of information. However, two recent decisions show that these networks can also serve as mediums for off-duty misconduct and that their misuse by employees can lead to disciplinary...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/10/facing-discipline-for-facebook-postings-canada/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Independent Contractor: To Be Or Not To Be — That Is The Question</title>
		<link>http://grossmancga.com/site/2012/05/08/independent-contractor-be-or-not-be-that-question/</link>
		<comments>http://grossmancga.com/site/2012/05/08/independent-contractor-be-or-not-be-that-question/#comments</comments>
		<pubDate>Tue, 08 May 2012 14:24:55 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[contractor]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[independent]]></category>
		<category><![CDATA[personal services]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2079</guid>
		<description><![CDATA[by Mary Lou Brady of Siskinds LLP As an employment lawyer, I am often approached by clients on the issue of  &#8221;independent contractors versus employees&#8221;. Corporate clients look to use independent contractors, rather than employees, to perform work more cheaply and with more flexibility – without costs such as CPP, EI, EHT, WSIB premiums, benefits, overtime,...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/08/independent-contractor-be-or-not-be-that-question/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why I Dumped My BlackBerry (And Got An iPhone)</title>
		<link>http://grossmancga.com/site/2012/05/08/why-i-dumped-my-blackberry-got-iphone/</link>
		<comments>http://grossmancga.com/site/2012/05/08/why-i-dumped-my-blackberry-got-iphone/#comments</comments>
		<pubDate>Tue, 08 May 2012 14:17:59 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Canadian Securities]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Blackberry]]></category>
		<category><![CDATA[iPhone]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2077</guid>
		<description><![CDATA[by David J. Kaufman of Duane Morris LLP I have had a BlackBerry for something like 15 years; each year or so getting a new replacement model. Hell, I even had a Palm Pilot and all of its incarnations. I recall my Palm tethered to an Omnisky modem that &#8220;pushed&#8221; your e-mails to the device....]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/08/why-i-dumped-my-blackberry-got-iphone/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Confidentiality Agreements: The Importance Of Protecting Your Secrets</title>
		<link>http://grossmancga.com/site/2012/05/07/confidentiality-agreements-importance-of-protecting-your-secrets/</link>
		<comments>http://grossmancga.com/site/2012/05/07/confidentiality-agreements-importance-of-protecting-your-secrets/#comments</comments>
		<pubDate>Tue, 08 May 2012 00:57:53 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Canadian Securities]]></category>
		<category><![CDATA[agreement]]></category>
		<category><![CDATA[confidentiality]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2074</guid>
		<description><![CDATA[by Emilie Duguay of Lavery, de Billy Are you an inventor or developer who wishes to approach businesses in order to sell, distribute or manufacture your discoveries? Have you met a potential partner? Are you getting ready to negotiate the purchase or sale of a business or enter into any other significant transaction? Does this...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/07/confidentiality-agreements-importance-of-protecting-your-secrets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Inapplicability Of The Personal Property Security Act (Ontario) To Insurance</title>
		<link>http://grossmancga.com/site/2012/05/07/inapplicability-of-personal-property-security-act-ontario-insurance/</link>
		<comments>http://grossmancga.com/site/2012/05/07/inapplicability-of-personal-property-security-act-ontario-insurance/#comments</comments>
		<pubDate>Mon, 07 May 2012 23:56:04 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[DIP]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[PPSA]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2069</guid>
		<description><![CDATA[by Scott Horner of Osler, Hoskin &#38; Harcourt LLP We recently represented a US bank in Ontario on a secured refinancing for a Canadian borrower. The Canadian borrower owns a number of Canadian and US subsidiaries (the Canadian borrower and its subsidiaries, the &#8220;Loan Parties&#8221;) which delivered secured guarantees. US counsel for the bank agreed...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/07/inapplicability-of-personal-property-security-act-ontario-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Recent Canadian Accounting Salary Surveys</title>
		<link>http://grossmancga.com/site/2012/05/07/recent-canadian-accounting-salary-surveys/</link>
		<comments>http://grossmancga.com/site/2012/05/07/recent-canadian-accounting-salary-surveys/#comments</comments>
		<pubDate>Mon, 07 May 2012 23:00:37 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[CA]]></category>
		<category><![CDATA[CGA]]></category>
		<category><![CDATA[CMA]]></category>
		<category><![CDATA[Ontario]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[survey]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2067</guid>
		<description><![CDATA[Here is where you will find the salary survey results for all three accounting designations, as well as a link to the pages where you can find either the earlier versions or various provinces: CGA Ontario 2011 and 2010 member salary surveys CGA Ontario 2009 member salary survey CGA Ontario student salary surveys CGA Manitoba 2011...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/07/recent-canadian-accounting-salary-surveys/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sales Thought &#8211; Common Interests</title>
		<link>http://grossmancga.com/site/2012/05/03/sales-thought-common-interests/</link>
		<comments>http://grossmancga.com/site/2012/05/03/sales-thought-common-interests/#comments</comments>
		<pubDate>Thu, 03 May 2012 17:54:52 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Canadian Securities]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[prospect]]></category>
		<category><![CDATA[sales]]></category>
		<category><![CDATA[sociability]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2061</guid>
		<description><![CDATA[by Nick Miller of Clarity Advantage In which we discover that starting conversations with strangers is easy if we can find common interests. With the melody, &#8220;Rock My Soul in the Bosom of Abraham,&#8221; and the rhythmic clapping of a fully aroused, Boston opening night audience still ringing in my ears, I stood at the end...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/03/sales-thought-common-interests/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tie-downs are critical to sales</title>
		<link>http://grossmancga.com/site/2012/05/03/2054/</link>
		<comments>http://grossmancga.com/site/2012/05/03/2054/#comments</comments>
		<pubDate>Thu, 03 May 2012 17:18:51 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[mackay]]></category>
		<category><![CDATA[proposal]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2054</guid>
		<description><![CDATA[By Harvey Mackay If you knew two little words that could improve your sales, you&#8217;d use them, wouldn&#8217;t you? When you see your customer has some reservations, it makes sense to get the issues out in the open, doesn&#8217;t it? And after the ink is dry on the deal, you should make every effort to make...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/05/03/2054/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>&#8220;Richard v. Time Inc.&#8221;: The &#8220;Credulous And Inexperienced&#8221; Consumer Is Reborn</title>
		<link>http://grossmancga.com/site/2012/03/18/richard-v-time-inc-credulous-inexperienced-consumer-reborn/</link>
		<comments>http://grossmancga.com/site/2012/03/18/richard-v-time-inc-credulous-inexperienced-consumer-reborn/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 21:58:29 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Oddities]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[quebec]]></category>
		<category><![CDATA[Supreme Court]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2040</guid>
		<description><![CDATA[by Enrico Forlini, Raphaël Lescop and Frédérique Dupuy of Fasken Martineau Dumoulin LLP On February 12, 2012, in a long-awaited ruling on Quebec consumer law, the Supreme Court of Canada clarified several questions that have been the subject of doctrinal and jurisprudential debate. For example, the Court clearly established that: Commercial advertising must be assessed...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/03/18/richard-v-time-inc-credulous-inexperienced-consumer-reborn/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Revised OSFI Guideline B-6 – Liquidity Principles</title>
		<link>http://grossmancga.com/site/2012/03/18/revised-osfi-guideline-b-liquidity-principles/</link>
		<comments>http://grossmancga.com/site/2012/03/18/revised-osfi-guideline-b-liquidity-principles/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 21:35:27 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[basel]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[liquidity]]></category>
		<category><![CDATA[OSFI]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2037</guid>
		<description><![CDATA[Article by Jeffrey S. Graham, Stephen J. Redican and Jenna Grant of Borden Ladner Gervais LLP BACKGROUND The Office of the Superintendent of Financial Institutions (&#8220;OSFI&#8221;) has released a final version of revised Guideline B-6 – Liquidity Principles (&#8220;Guideline&#8221;). The Guideline has been updated to incorporate the principles set out in the Basel Committee on...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/03/18/revised-osfi-guideline-b-liquidity-principles/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Canadian Government Imposes Additional Requirements on Certain Financial Products and Services</title>
		<link>http://grossmancga.com/site/2012/03/18/canadian-government-imposes-additional-requirements-on-certain-financial-products-services/</link>
		<comments>http://grossmancga.com/site/2012/03/18/canadian-government-imposes-additional-requirements-on-certain-financial-products-services/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 20:46:29 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[cheque]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[lender]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2034</guid>
		<description><![CDATA[By Blair W. Keefe, Peter A. Aziz and Eli Monas of Torys LLP The Canadian federal government recently published three regulations that will impose additional requirements and restrictions on the use of credit card cheques, on cheque hold periods and on the provision of new optional products or services. Proposed amendments to the Credit Business Practices Regulations would require...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/03/18/canadian-government-imposes-additional-requirements-on-certain-financial-products-services/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Running a Personal Services Business?</title>
		<link>http://grossmancga.com/site/2012/02/05/running-personal-services-business/</link>
		<comments>http://grossmancga.com/site/2012/02/05/running-personal-services-business/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 06:11:59 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[personal]]></category>
		<category><![CDATA[services]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1981</guid>
		<description><![CDATA[by Harold J. Feder of BrazeauSeller LLP Before anyone&#8217;s mind starts to wander, the term &#8220;Personal Services Business&#8221; is simply a term defined under theIncome Tax Act Canada. Without going into the technical details of the definition, it essentially means a business carried on by a corporation where the services performed by the corporation are provided...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2012/02/05/running-personal-services-business/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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