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	<title>Comments on: The Personal Finance Clinic</title>
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	<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/</link>
	<description>Helping you invest and prosper</description>
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		<title>By: Maurice</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-196167</link>
		<dc:creator>Maurice</dc:creator>
		<pubDate>Tue, 21 Jul 2009 15:24:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-196167</guid>
		<description>I am a dedicated reader to your website, and have read with great interest most of the follow-up to questions originally sent to the Personal Finance Clinic.

My question might be too late, or irrelevant to the present postings, but is pretty basic and I hope some helpful person might take pity on a neophyte &quot;E.T.Funder&quot;.

I am trying to build a modest [high 5 figures] investment portfolio in E.T.F&#039;s and obviously want to make it as tax efficient as possible. However, I am somewhat confused by the terms &quot;annual dividend&quot; &amp; &quot;quarterly cash distributions&quot;? Are they one of the same, and for tax purposes, will they be taxed as dividends or as interest?

many thanks</description>
		<content:encoded><![CDATA[<p>I am a dedicated reader to your website, and have read with great interest most of the follow-up to questions originally sent to the Personal Finance Clinic.</p>
<p>My question might be too late, or irrelevant to the present postings, but is pretty basic and I hope some helpful person might take pity on a neophyte &#8220;E.T.Funder&#8221;.</p>
<p>I am trying to build a modest [high 5 figures] investment portfolio in E.T.F&#8217;s and obviously want to make it as tax efficient as possible. However, I am somewhat confused by the terms &#8220;annual dividend&#8221; &amp; &#8220;quarterly cash distributions&#8221;? Are they one of the same, and for tax purposes, will they be taxed as dividends or as interest?</p>
<p>many thanks</p>
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	<item>
		<title>By: Questions on Canceling Mortgage Life Insurance and Stock Ex-Dividend Date &#124; Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-196100</link>
		<dc:creator>Questions on Canceling Mortgage Life Insurance and Stock Ex-Dividend Date &#124; Canadian Capitalist</dc:creator>
		<pubDate>Mon, 20 Jul 2009 12:44:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-196100</guid>
		<description>[...]   In today&#8217;s post, I&#8217;ll try and answer two more questions that were sent in to the Personal Finance Clinic. You may also want to check out Triaging My Way to Financial Success and Money Gardener for more [...]</description>
		<content:encoded><![CDATA[<p>[...]   In today&#8217;s post, I&#8217;ll try and answer two more questions that were sent in to the Personal Finance Clinic. You may also want to check out Triaging My Way to Financial Success and Money Gardener for more [...]</p>
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	<item>
		<title>By: A flat-tax sounds good, but who pays for services? &#124; Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-193966</link>
		<dc:creator>A flat-tax sounds good, but who pays for services? &#124; Canadian Capitalist</dc:creator>
		<pubDate>Sun, 21 Jun 2009 21:53:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-193966</guid>
		<description>[...] of winning one of seven books are still very good. If you have any financial questions, send it to the Personal Finance Clinic. We&#039;ve are accepting questions until May 31, [...]</description>
		<content:encoded><![CDATA[<p>[...] of winning one of seven books are still very good. If you have any financial questions, send it to the Personal Finance Clinic. We&#8217;ve are accepting questions until May 31, [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Withholding Tax on US Stocks Held in a Tax-Free Savings Account &#124; Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-193555</link>
		<dc:creator>Withholding Tax on US Stocks Held in a Tax-Free Savings Account &#124; Canadian Capitalist</dc:creator>
		<pubDate>Tue, 16 Jun 2009 12:41:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-193555</guid>
		<description>[...] I&#8217;ll try and answer a question on the new Tax-Free Savings Account that were sent to the Personal Finance Clinic. You may also want to check out Money Gardener and Triaging my way to Financial Success, who have [...]</description>
		<content:encoded><![CDATA[<p>[...] I&#8217;ll try and answer a question on the new Tax-Free Savings Account that were sent to the Personal Finance Clinic. You may also want to check out Money Gardener and Triaging my way to Financial Success, who have [...]</p>
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	<item>
		<title>By: Personal Finance Clinic: Unbundling ETFs &#38; XIN versus VEA &#124; Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-193115</link>
		<dc:creator>Personal Finance Clinic: Unbundling ETFs &#38; XIN versus VEA &#124; Canadian Capitalist</dc:creator>
		<pubDate>Tue, 09 Jun 2009 02:09:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-193115</guid>
		<description>[...] &#183;   In today&#8217;s post, I&#8217;ll try and answer two questions that were sent to the Personal Finance Clinic. You may also want to check out Money Gardener and Triaging my way to Financial Success, who have [...]</description>
		<content:encoded><![CDATA[<p>[...] &middot;   In today&#8217;s post, I&#8217;ll try and answer two questions that were sent to the Personal Finance Clinic. You may also want to check out Money Gardener and Triaging my way to Financial Success, who have [...]</p>
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	<item>
		<title>By: Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-192716</link>
		<dc:creator>Canadian Capitalist</dc:creator>
		<pubDate>Mon, 01 Jun 2009 15:17:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-192716</guid>
		<description>@mhogan: Just send me the question through the Contact page. I&#039;ll add it to the list of questions that we have received so far. Thanks.</description>
		<content:encoded><![CDATA[<p>@mhogan: Just send me the question through the Contact page. I&#8217;ll add it to the list of questions that we have received so far. Thanks.</p>
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	<item>
		<title>By: mhogan</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-192703</link>
		<dc:creator>mhogan</dc:creator>
		<pubDate>Mon, 01 Jun 2009 13:05:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-192703</guid>
		<description>I just heard about this today - I tried to send a question but  it was returned.  Any chance I can add a question.</description>
		<content:encoded><![CDATA[<p>I just heard about this today &#8211; I tried to send a question but  it was returned.  Any chance I can add a question.</p>
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	<item>
		<title>By: How to invest in physical gold bullion through bars or coins &#124; Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-192676</link>
		<dc:creator>How to invest in physical gold bullion through bars or coins &#124; Canadian Capitalist</dc:creator>
		<pubDate>Mon, 01 Jun 2009 04:50:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-192676</guid>
		<description>[...] 1st, 2009 &#183;   [Thank you for the queries sent into the Personal Finance Clinic. We received 27 questions that I, Money Gardener and Triaging My Way will be answering most of them [...]</description>
		<content:encoded><![CDATA[<p>[...] 1st, 2009 &middot;   [Thank you for the queries sent into the Personal Finance Clinic. We received 27 questions that I, Money Gardener and Triaging My Way will be answering most of them [...]</p>
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	<item>
		<title>By: Claymore Gold Bullion Trust (CGL.UN) &#124; Canadian Capitalist</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-192332</link>
		<dc:creator>Claymore Gold Bullion Trust (CGL.UN) &#124; Canadian Capitalist</dc:creator>
		<pubDate>Wed, 27 May 2009 00:23:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-192332</guid>
		<description>[...] The Personal Finance Clinic has attracted some interesting questions but there may be room for some more. The Clinic closes on [...]</description>
		<content:encoded><![CDATA[<p>[...] The Personal Finance Clinic has attracted some interesting questions but there may be room for some more. The Clinic closes on [...]</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Thicken My Wallet &#187; Blog Archive &#187; Personal Finance Clinic</title>
		<link>http://www.canadiancapitalist.com/the-personal-finance-clinic/#comment-191542</link>
		<dc:creator>Thicken My Wallet &#187; Blog Archive &#187; Personal Finance Clinic</dc:creator>
		<pubDate>Fri, 15 May 2009 08:58:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.canadiancapitalist.com/?p=2222#comment-191542</guid>
		<description>[...] My Way To Financial Success are hosting a personal finance clinic. More details can be found here. Good [...]</description>
		<content:encoded><![CDATA[<p>[...] My Way To Financial Success are hosting a personal finance clinic. More details can be found here. Good [...]</p>
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