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	<title>GrossmanCGA - How can I help?interest | GrossmanCGA &#8211; How can I help?</title>
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	<description>Independent advice in your best interest</description>
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		<title>Changes Affecting Canada&#8217;s Payments and Cards Industry in 2011</title>
		<link>http://grossmancga.com/site/2012/01/18/changes-affecting-canadas-payments-cards-industry/</link>
		<comments>http://grossmancga.com/site/2012/01/18/changes-affecting-canadas-payments-cards-industry/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 01:57:32 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[loan]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=2015</guid>
		<description><![CDATA[By Blair Keefe, Dan Logan, Peter Aziz and Eli Monas of Torys LLP The Financial Consumer Agency of Canada (FCAC) issued several guidance notes and decisions affecting the payments and card business of federally regulated financial institutions (FRFIs) and others in 2011. In this bulletin, we highlight some of the FCAC’s more important pronouncements. Background In January 2010, the...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Sales Thought &#8211; No Bonehead Mistakes</title>
		<link>http://grossmancga.com/site/2011/06/06/sales-thought-no-bonehead-mistakes/</link>
		<comments>http://grossmancga.com/site/2011/06/06/sales-thought-no-bonehead-mistakes/#comments</comments>
		<pubDate>Mon, 06 Jun 2011 13:19:45 +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[benefit]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[pitch]]></category>
		<category><![CDATA[prospect]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1743</guid>
		<description><![CDATA[by Nick Miller of Clarity Advantage In which we are reminded that even small mistakes can fatally undermine our credibility and effectiveness with prospects.   So&#8230; I bought a new pair of shoes from an on-line provider.  Not your basic New England conservative black or ox blood penny loafer, mind you. No! Shoes with MUCH...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Proposed Income Tax Legislation</title>
		<link>http://grossmancga.com/site/2011/03/18/proposed-income-tax-legislation/</link>
		<comments>http://grossmancga.com/site/2011/03/18/proposed-income-tax-legislation/#comments</comments>
		<pubDate>Fri, 18 Mar 2011 16:16:07 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1596</guid>
		<description><![CDATA[By Cary Heller of Collins Barrow Toronto LLP On Wednesday, March 16, 2011, the Department of Finance released proposed income tax legislation designed to address three decisions of the Federal Court of Appeal. Contingent Amounts and Limits on Expenses In Collins v. The Queen, 2010, FCA 12, the issue was deductibility of interest. In brief, the...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Sales Thought &#8211; What Will They Miss (About You)?</title>
		<link>http://grossmancga.com/site/2011/01/17/sales-thought-what-will-they-miss-about-you/</link>
		<comments>http://grossmancga.com/site/2011/01/17/sales-thought-what-will-they-miss-about-you/#comments</comments>
		<pubDate>Mon, 17 Jan 2011 20:04:31 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[pitch]]></category>
		<category><![CDATA[prospect]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1489</guid>
		<description><![CDATA[by Nick Miller of Clarity Advantage In which we pause briefly to consider our personal value and value propositions &#8211; what people find most valuable about us. I&#8217;m a couple of weeks away from my annual physical, an office visit with the physician who has taken care of me for many years. Last month, while...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Sales Thought &#8211; Favorite Question</title>
		<link>http://grossmancga.com/site/2010/12/06/sales-thought-favorite-question/</link>
		<comments>http://grossmancga.com/site/2010/12/06/sales-thought-favorite-question/#comments</comments>
		<pubDate>Mon, 06 Dec 2010 15:27:21 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[benefit]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Networking]]></category>
		<category><![CDATA[pitch]]></category>
		<category><![CDATA[product]]></category>
		<category><![CDATA[proposal]]></category>
		<category><![CDATA[prospect]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1366</guid>
		<description><![CDATA[In which we are reminded to understand our client&#8217;s purpose in a discussion. Someone asked me this week, &#8216;Do you have a favorite question that you use in sales calls?&#8217;  After overcoming the urge to reply, &#8216;Yes,&#8217;  and listing a dozen wonderful questions, I replied, &#8216;Tell me a little about what&#8217;s happening in your calls.&#8221;...]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>GAAR Case Comment: Lehigh (FCA) &#8211; The Difference Between Avoidance and Abuse: When does Corporate Tax Planning Cross the Line</title>
		<link>http://grossmancga.com/site/2010/07/21/gaar-case-comment-lehigh-fca-the-difference-between-avoidance-and-abuse-when-does-corporate-tax-planning-cross-the-line/</link>
		<comments>http://grossmancga.com/site/2010/07/21/gaar-case-comment-lehigh-fca-the-difference-between-avoidance-and-abuse-when-does-corporate-tax-planning-cross-the-line/#comments</comments>
		<pubDate>Wed, 21 Jul 2010 18:45:58 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[CGA]]></category>
		<category><![CDATA[court]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1166</guid>
		<description><![CDATA[  By Colleen McMullin of Gowling Lafleur Henderson LLP Introduction The Federal Court of Appeal has recently provided much needed clarification on the parameters of the controversial General Anti-Avoidance Rule (the “GAAR”), which has left many corporate tax advisors breathing a temporary sigh of relief. The rule, contained in section 245 of the Income Tax Act,...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Toronto Seeks Role As North American Centre For Islamic Finance</title>
		<link>http://grossmancga.com/site/2010/07/15/toronto-seeks-role-as-north-american-centre-for-islamic-finance/</link>
		<comments>http://grossmancga.com/site/2010/07/15/toronto-seeks-role-as-north-american-centre-for-islamic-finance/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 16:36:00 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Advisors' guides]]></category>
		<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[guides]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[lender]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1161</guid>
		<description><![CDATA[by Jeffrey S. Graham, Tyler Hodgson and Gar Knutson of Borden Ladner Gervais LLP Toronto is the financial services capital of Canada and one of North America&#8217;s premier financial centres. One of the most rapidly growing segments of the international financial services sector is Islamic finance. Recognizing this trend, a number of other financial centres...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2010/07/15/toronto-seeks-role-as-north-american-centre-for-islamic-finance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Canadian Housing Starts &#8211; Stop, by Stewart Hall, HSBC</title>
		<link>http://grossmancga.com/site/2010/06/08/canadian-housing-starts-stop-by-stewart-hall-hsbc/</link>
		<comments>http://grossmancga.com/site/2010/06/08/canadian-housing-starts-stop-by-stewart-hall-hsbc/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 14:49:16 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[demand]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[sales]]></category>
		<category><![CDATA[trend]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=1118</guid>
		<description><![CDATA[[Eric's note: Although this note, like all of Stewart's, are archived elsewhere on this site, I had to give this one it's own post after reading the last sentence.]  May housing starts decline by -6.3% month-over-month. Canadian housing starts come to a stop in May, with the rate of construction slowing to 189.1K units on an...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2010/06/08/canadian-housing-starts-stop-by-stewart-hall-hsbc/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>On the April Bank of Canada Monetary Policy Report</title>
		<link>http://grossmancga.com/site/2010/04/22/on-the-april-bank-of-canada-monetary-policy-report/</link>
		<comments>http://grossmancga.com/site/2010/04/22/on-the-april-bank-of-canada-monetary-policy-report/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 19:33:55 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Canadian Commercial Lenders]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[Statistics]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=995</guid>
		<description><![CDATA[by Stewart Hall, HSBC Risks, rewards, remarks, response Market and forecaster sentiment alike was largely cemented earlier in the week with the release of the BoC&#8217;s post meeting statement on Tuesday. The collective catalyst &#8211; a ceremonious dropping of the BoC&#8217;s conditional pledge to hold rates at 0.25% through to the end of Q2/10 &#8211;...]]></description>
		<wfw:commentRss>http://grossmancga.com/site/2010/04/22/on-the-april-bank-of-canada-monetary-policy-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Stewart Hall, HSBC Canada, discusses Bank of Canada announcement</title>
		<link>http://grossmancga.com/site/2010/03/02/stewart-hall-hsbc-canada-discusses-bank-of-canada-announcement/</link>
		<comments>http://grossmancga.com/site/2010/03/02/stewart-hall-hsbc-canada-discusses-bank-of-canada-announcement/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 19:30:30 +0000</pubDate>
		<dc:creator>Eric Grossman, CGA</dc:creator>
				<category><![CDATA[Economics]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[Stewart Hall]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[bubbles]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Canada]]></category>
		<category><![CDATA[HSBC]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[rates]]></category>

		<guid isPermaLink="false">http://grossmancga.com/site/?p=832</guid>
		<description><![CDATA[Stewart Hall of HSBC Securities Canada issued his comments on today&#8217;s Bank of Canada interest rate announcement. [See all of his comments on other economic matters in our Stewart Hall Archives.] He concludes from the Bank of Canada announcement that, &#8220;A policy change is coming, but it is looking like evolutionary change rather than revolutionary&#8230; We continue to forecast...]]></description>
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		<slash:comments>0</slash:comments>
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