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      <title>Finances by Arianne Cournoyer</title>
      <link>https://padlet.com/Cournar181/cozj36viw0yh</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2018-02-09 15:57:53 UTC</pubDate>
      <lastBuildDate>2018-02-16 20:20:34 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
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      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230078383</link>
         <description><![CDATA[<div>Abri fiscal</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:02:33 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230078383</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230079239</link>
         <description><![CDATA[<div>Argent des gouvernements </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:04:06 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230079239</guid>
      </item>
      <item>
         <title></title>
         <author>roberla181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230080367</link>
         <description><![CDATA[<div>Véhicule dans lequel tu peux Déposer des sommes d'argent pour récupérer un certain montant sur les impôts </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:06:13 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230080367</guid>
      </item>
      <item>
         <title></title>
         <author>roberla181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230080827</link>
         <description><![CDATA[<div>Important de commander jeune: plus avantageux </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:07:06 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230080827</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081017</link>
         <description><![CDATA[<div>Pas juste dans un compte de banques /investir ou on veux</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:07:27 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081017</guid>
      </item>
      <item>
         <title></title>
         <author>landrro181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081028</link>
         <description><![CDATA[<div>REER plus profitable que d'autres</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:07:29 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081028</guid>
      </item>
      <item>
         <title></title>
         <author>roberla181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081147</link>
         <description><![CDATA[<div>REER = fond de pension </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:07:44 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081147</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081212</link>
         <description><![CDATA[<div>Faut être équilibrer dans nos reer </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:07:51 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081212</guid>
      </item>
      <item>
         <title></title>
         <author>landrro181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081313</link>
         <description><![CDATA[<div>Gestion ni trop prudente ni trop aggressive, éviter la spéculation </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:08:04 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081313</guid>
      </item>
      <item>
         <title></title>
         <author>roberla181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081388</link>
         <description><![CDATA[<div>Limiter le retrait des REER = à cause des produits financiers </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:08:11 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081388</guid>
      </item>
      <item>
         <title></title>
         <author>landrro181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081593</link>
         <description><![CDATA[<div>On ne paye pas d'impôt quand:<br>Acheter une maison<br>Retourner aux études</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:08:38 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081593</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081656</link>
         <description><![CDATA[<div>On sauve de l’impôt quand on investi</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:08:46 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081656</guid>
      </item>
      <item>
         <title></title>
         <author>roberla181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081919</link>
         <description><![CDATA[<div>Contribuer dans les REER jusqu'à 71 ans</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:09:19 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081919</guid>
      </item>
      <item>
         <title></title>
         <author>landrro181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081980</link>
         <description><![CDATA[<div>Jusqu'à 71 ans et après doit commencer à retirer nos REER</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:09:26 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081980</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081997</link>
         <description><![CDATA[<div>Retire nos reer un peu à chaque année </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:09:28 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230081997</guid>
      </item>
      <item>
         <title></title>
         <author>landrro181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230082252</link>
         <description><![CDATA[<div>Commence tôt et sur une longue période</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:09:56 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230082252</guid>
      </item>
      <item>
         <title></title>
         <author>landrro181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230082636</link>
         <description><![CDATA[<div>Placement semblable au REER</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:10:41 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230082636</guid>
      </item>
      <item>
         <title></title>
         <author>landrro181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/230082867</link>
         <description><![CDATA[<div>Quand on retire de l'argent, pas d'impôt</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-09 16:11:10 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/230082867</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232492875</link>
         <description><![CDATA[<div>Régime enregistrer d’épargne études </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:50:18 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232492875</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232493930</link>
         <description><![CDATA[<div>20% subventions fédéral <br>10% subventions provincial <br>Contributions du gouvernements dans notre fonds (argent donnée)</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:53:04 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232493930</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494146</link>
         <description><![CDATA[<div>Tu peux sans donner de l’argent au gouvernements avoir tout de même des bons</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:53:38 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494146</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494222</link>
         <description><![CDATA[<div>Chaque 1000 $nous rapporte 30 dollars</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:53:53 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494222</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494351</link>
         <description><![CDATA[<div>PLUS TÔT POSSIBLE<br>mais attendre que l’enfant en question soit née </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:54:20 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494351</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494535</link>
         <description><![CDATA[<div>Différents types<br>Individuel<br>Familiale <br>Collectif</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:54:49 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494535</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494686</link>
         <description><![CDATA[<div>Familiale : pour beaucoup d’enfant (pas obliger d’en avoir un par enfant) et on peut les partager entre les enfants</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:55:11 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494686</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494923</link>
         <description><![CDATA[<div>Collectif égale si un enfant n’utilise pas l’argent pour allez au études, les autres enfants hériteront de cet argent la pour leurs études (sort de la famille)</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:55:51 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232494923</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232495607</link>
         <description><![CDATA[<div>Rendement : ?</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:57:54 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232495607</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232495788</link>
         <description><![CDATA[<div>Peuvent le garder pour eux et le mettre dans leur reer </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:58:19 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232495788</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232495902</link>
         <description><![CDATA[<div>Seulement de l’impôt à la toute fin</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 19:58:31 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232495902</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232496550</link>
         <description><![CDATA[<div>Individuel : ?</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:00:14 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232496550</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232497738</link>
         <description><![CDATA[<div>Jusqu’à 15 ans</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:03:13 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232497738</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232497908</link>
         <description><![CDATA[<div>Maximum de 2500 par année sinon on reçoit rien du gouvernements </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:03:38 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232497908</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232498106</link>
         <description><![CDATA[<div>Capital est garanti à 100%</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:04:04 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232498106</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232498570</link>
         <description><![CDATA[<div>Beau cadeaux puisqu’on peut cotisée pour quelqu’un d’autre que nos propres enfants</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:05:12 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232498570</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232499661</link>
         <description><![CDATA[<div>Placement associé au reer a l’abris de limpôt </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:07:56 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232499661</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232499803</link>
         <description><![CDATA[<div>A partir de 18 ans</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:08:19 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232499803</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232500893</link>
         <description><![CDATA[<div>Toutes sortes d’investissements (très vaste)</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:10:51 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232500893</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232501072</link>
         <description><![CDATA[<div>Éviter de laisse dormir notre argent </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:11:15 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232501072</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232501197</link>
         <description><![CDATA[<div>Maximum 5500$ Sinon grande cotisations </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:11:39 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232501197</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232502554</link>
         <description><![CDATA[<div>Paie des intérêts supplémentaires sur l’argent qu’on dépose dans un CELI</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:14:55 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232502554</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232503096</link>
         <description><![CDATA[<div>1% par mois (taux d’intérêts)</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:16:31 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232503096</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232503307</link>
         <description><![CDATA[<div>Intérêt : pour des projets à long ou moyen terme </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:17:07 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232503307</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232504189</link>
         <description><![CDATA[<div>CELI préfèrable au REER</div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:19:37 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232504189</guid>
      </item>
      <item>
         <title></title>
         <author>Cournar181</author>
         <link>https://padlet.com/Cournar181/cozj36viw0yh/wish/232504514</link>
         <description><![CDATA[<div>Faire attention au pénalités </div>]]></description>
         <enclosure url="" />
         <pubDate>2018-02-16 20:20:34 UTC</pubDate>
         <guid>https://padlet.com/Cournar181/cozj36viw0yh/wish/232504514</guid>
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