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    <loc>https://www.makecents.ca/blog/2026/2/10/lesson-111-religion-of-home-ownership</loc>
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    <lastmod>2026-02-11</lastmod>
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      <image:title>Blog - Lesson 111: Religion of Home Ownership - Make it stand out</image:title>
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      <image:title>Blog - Lesson 111: Religion of Home Ownership - Make it stand out</image:title>
      <image:caption>Figure 1: Median Age of Home Buyers (USA), 1981-2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/f43033b5-edcd-4aa2-8e35-90abb865f675/Lesson+111+-+Figure+2+Home+Price+to+Income+Ratio.png</image:loc>
      <image:title>Blog - Lesson 111: Religion of Home Ownership - Make it stand out</image:title>
      <image:caption>Figure 2: Home Price to Median Household Income Ratio (USA), 1975-2025</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2025/12/27/lesson-110-read-me-renewed</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-27</lastmod>
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      <image:title>Blog - Lesson 110: Read Me Renewed - Make it stand out</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2025/11/24/lesson-109-urban-balancing-act</loc>
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    <lastmod>2025-11-24</lastmod>
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      <image:title>Blog - Lesson 109: Urban Balancing Act - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/4f886362-7564-48a7-9cd5-e2da0cd3c33f/Lesson+109+-+Figure+1+Home+Price+to+income+v2.webp</image:loc>
      <image:title>Blog - Lesson 109: Urban Balancing Act - Make it stand out</image:title>
      <image:caption>Figure 1: Home Price to Income Ratio (July 2025 – Visual Capitalist)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/9b0b0fe6-7c21-428d-b56e-bc0326bcd058/Lesson+109+Figure+2+Rental+Vacancy+NYC.png</image:loc>
      <image:title>Blog - Lesson 109: Urban Balancing Act - Make it stand out</image:title>
      <image:caption>Figure 2: Rental Vacancy Rates for New York City (1986 - 2025)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/7a5858b8-20a5-43fb-b3ba-b58f847b84af/Lesson+109+Figure+3+CPI+NYC.png</image:loc>
      <image:title>Blog - Lesson 109: Urban Balancing Act - Make it stand out</image:title>
      <image:caption>Figure 3: CPI Rent of Primary Residence in New York City (1986-2025)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/89ac1147-8885-4bd9-890d-52d9491caeb1/Lesson+109+Figure+4+CPI+SF.png</image:loc>
      <image:title>Blog - Lesson 109: Urban Balancing Act - Make it stand out</image:title>
      <image:caption>Figure 4: CPI Rent of Primary Residence in San Francisco (1986-2025)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2025/11/3/lesson-108-endowment-funds</loc>
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    <priority>0.5</priority>
    <lastmod>2025-11-03</lastmod>
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      <image:title>Blog - Lesson 108: The Hidden Engine - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2025/8/31/lesson-107-the-dance-of-shares</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/c059f772-d7e8-4f83-b931-1dc55dc8ae58/Lesson+107+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 107: The Dance of Shares - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.makecents.ca/blog/2025/8/3/lesson-106-splitting-hairs</loc>
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    <priority>0.5</priority>
    <lastmod>2025-08-03</lastmod>
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      <image:title>Blog - Lesson 106: Splitting Hairs - Make it stand out</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2025/6/21/lesson-105-summer-solstice</loc>
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    <priority>0.5</priority>
    <lastmod>2025-06-21</lastmod>
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      <image:title>Blog - Lesson 105: Summer Solstice - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.makecents.ca/blog/2025/4/27/lesson-104-closer-to-home</loc>
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    <priority>0.5</priority>
    <lastmod>2025-04-27</lastmod>
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      <image:title>Blog - Lesson 104: Closer to Home - Make it stand out</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2025/3/24/lesson-103-paradoxical-cooperation</loc>
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    <priority>0.5</priority>
    <lastmod>2025-03-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/e3790807-5a2f-4164-9159-9f5ee9719a1e/Lesson+103+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 103: Paradoxical Cooperation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/8e8c9a61-a126-4403-85b1-ab0cbeeafa43/Lesson+103+-+Prisoners+Dilemma+Table.png</image:loc>
      <image:title>Blog - Lesson 103: Paradoxical Cooperation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2025/2/22/lesson-102-income-mavens</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-22</lastmod>
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      <image:title>Blog - Lesson 102: Income Mavens - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2025/1/26/lesson-101-a-series-of-unfortunate-events</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/be464042-a8a3-4d97-bc9a-937b1a135dcd/Lesson+101+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 101: A Series of Unfortunate Events - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/fab3f97e-8663-4b95-8473-4b46be0c90aa/Lesson+101+-+Reasons+to+Sell+Graph_1.jpeg</image:loc>
      <image:title>Blog - Lesson 101: A Series of Unfortunate Events - Make it stand out</image:title>
      <image:caption>Figure 1: Dow Jones Index Between 1900-2024 Showing major economic headwinds</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/c0356c12-700d-4ef7-99aa-0acc61d90821/Lesson+101+-+Reasons+to+Sell+Graph_2.png</image:loc>
      <image:title>Blog - Lesson 101: A Series of Unfortunate Events - Make it stand out</image:title>
      <image:caption>Figure 2: S&amp;P 500 Index Between 1985-2024 Showing Major Economic Headwinds</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/7b726c8a-fc6b-4be3-8437-e206ae80b122/Lesson+101+-+GFS25_OC_150-Years-of-SP500-Returns.jpg</image:loc>
      <image:title>Blog - Lesson 101: A Series of Unfortunate Events - Make it stand out</image:title>
      <image:caption>Figure 3: Historical S&amp;P500 Annual Returns Distribution</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/bc86a787-84a8-4d04-81fd-dbf2e835c5de/Lesson+101+-+S%26P+500+Graph+with+Presidencies_2.jpeg</image:loc>
      <image:title>Blog - Lesson 101: A Series of Unfortunate Events - Make it stand out</image:title>
      <image:caption>Figure 4: Growth of $1 invested in S&amp;P500 since 1960 to 2023 over various presidential parties</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/066a0bd1-f414-42ed-b100-9955aaa1addd/Lesson+101+-+S%26P+500+Growth+of+1+Dollar.png.jpg</image:loc>
      <image:title>Blog - Lesson 101: A Series of Unfortunate Events - Make it stand out</image:title>
      <image:caption>Figure 5: S&amp;P 500 index (left axis) against TTM earnings per share (EPS) (right axis) from 1926-2024</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2024/12/14/lesson-100-have-i-learned-anything-yet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/27537b3b-0fdf-4c12-9fe9-2941d98c3a85/Lesson+100+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 100: Have I Learned Anything Yet? - Make it stand out</image:title>
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    <image:image>
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      <image:title>Blog - Lesson 100: Have I Learned Anything Yet? - Make it stand out</image:title>
      <image:caption>Figure 1: Energy Sector Company Stock Charts Aug 2024 to Jan 2016</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/75cd0f97-9ba5-4766-896d-d3cb94e85571/Lesson+50+-+CXR+Graph+1.png</image:loc>
      <image:title>Blog - Lesson 100: Have I Learned Anything Yet? - Make it stand out</image:title>
      <image:caption>Figure 2: CXR Performance Jan 2014 - Sept 2015</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2024/10/19/lesson-99-planning-for-the-rush</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-19</lastmod>
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      <image:title>Blog - Lesson 99: Planning for the Rush - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.makecents.ca/blog/2024/9/16/lesson-98-balancing-acts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-16</lastmod>
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      <image:title>Blog - Lesson 98: Balancing Acts - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://www.makecents.ca/blog/2024/7/1/lesson-97-getting-more-gains</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-01</lastmod>
    <image:image>
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      <image:title>Blog - Lesson 97: Getting More Gains - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/4a2997ce-af95-4c63-baa6-0f8b9e6dfe89/Lesson+97+-+US+Tax+Rates+1.png</image:loc>
      <image:title>Blog - Lesson 97: Getting More Gains - Make it stand out</image:title>
      <image:caption>Figure 1: US Short Term Capital Gains Federal Tax Rates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1f6aff76-9bdd-449e-bc38-b766f35e1492/Lesson+97+-+US+Tax+Rates+LT.png</image:loc>
      <image:title>Blog - Lesson 97: Getting More Gains - Make it stand out</image:title>
      <image:caption>Figure 2: US Long Term Capital Gains Federal Tax Rates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/ee6fc488-b2e7-4d68-9c02-6c1cbee29ccb/Lesson+97+-+US+WH+Tax.png</image:loc>
      <image:title>Blog - Lesson 97: Getting More Gains - Make it stand out</image:title>
      <image:caption>Figure 3: US Withholding Tax Rates (Form W-8 BEN reference)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/a9d3d257-8f12-4cf6-afd4-84987a8a8584/Lesson+97+-+CDN+Tax+Rates.png</image:loc>
      <image:title>Blog - Lesson 97: Getting More Gains - Make it stand out</image:title>
      <image:caption>Figure 4: Canadian Capital Gains Federal Tax Rates</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/8d707c8d-5b03-44da-99c9-f4828e25a425/Lesson+97+-+CAN+WH+Tax.png</image:loc>
      <image:title>Blog - Lesson 97: Getting More Gains - Make it stand out</image:title>
      <image:caption>Figure 5: Canadian Withholding Tax Rates (Form W-8 BEN reference)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2024/6/13/lesson-96-holding-on-for-the-wild-ride</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-01</lastmod>
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      <image:title>Blog - Lesson 96: Holding On For The Wild Ride - Make it stand out</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2024/3/16/lesson-95-short-end-of-the-stick</loc>
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    <priority>0.5</priority>
    <lastmod>2024-07-01</lastmod>
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      <image:title>Blog - Lesson 95: Short End of the Stick - Make it stand out</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2024/2/26/lesson-94-walking-in-the-rain</loc>
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    <priority>0.5</priority>
    <lastmod>2024-07-01</lastmod>
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      <image:title>Blog - Lesson 94: Walking in the Rain - Make it stand out</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2024/1/29/lesson-93-breaking-it-down</loc>
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    <priority>0.5</priority>
    <lastmod>2024-01-29</lastmod>
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      <image:title>Blog - Lesson 93: Breaking It Down - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/fba777eb-296c-4c9e-8d61-1af99c1ba494/Lesson+93+Market+Sector+Peformance+Comparison.jpg</image:loc>
      <image:title>Blog - Lesson 93: Breaking It Down - Make it stand out</image:title>
      <image:caption>Table 1: S&amp;P 500 Market Sector Historical Performance Comparison (Jan. 1 2014 to Jan. 26 2024)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/12/4/lesson-92</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/a899b114-29fb-4b1e-8a54-fb3a0f1916b3/20231115_152030.jpg</image:loc>
      <image:title>Blog - Lesson 92: Munger Wisdom - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/9/30/lesson-91</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/e641d338-ed43-4839-a8ac-004b63402d1a/Lesson+91+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 91: Candidate Legitimacy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1696016961415-NXAPNTGLN1P6685ZFHZ0/Lesson+91+-+MBA.com+stats+4.png</image:loc>
      <image:title>Blog - Lesson 91: Candidate Legitimacy</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1696016961458-NJ23GK5T0FFRP7HNM2I0/Lesson+91+-+MBA.com+stats+5.png</image:loc>
      <image:title>Blog - Lesson 91: Candidate Legitimacy</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1696016962254-Q46TR3VN9ZJ2ZY5LS0Q7/Lesson+91+-+MBA.com+stats+1.png</image:loc>
      <image:title>Blog - Lesson 91: Candidate Legitimacy</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1696016962312-U8L8FBMICHG25ZTLL0J6/Lesson+91+-+MBA.com+stats+2.png</image:loc>
      <image:title>Blog - Lesson 91: Candidate Legitimacy</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1696016963097-ELI17A7TLF100H6LLARJ/Lesson+91+-+MBA.com+stats+3.png</image:loc>
      <image:title>Blog - Lesson 91: Candidate Legitimacy</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/8/27/lesson-90</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/9aa0c031-ca05-4204-a420-6e37b100d2ed/Lesson+90+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 90: Factoring Permanence Over Fad - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/68a9dc8f-5c94-4ade-81a6-3497176b8041/Lesson+90+-+Recommended+Mortgage+Structures.png</image:loc>
      <image:title>Blog - Lesson 90: Factoring Permanence Over Fad - Make it stand out</image:title>
      <image:caption>Table 1: Recommended Mortgage Structures for Various Interest Rate Environments</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/6/24/lesson-89-a-case-of-the-perma-bug</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/e4ae1eed-4075-4705-a329-64c94c2d1bc2/20230304_223359.jpg</image:loc>
      <image:title>Blog - Lesson 89: A Case of the Perma Bug - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/c92c603f-19da-4942-8237-dd9da4b267e2/Lesson+89+-+SPX+and+GLD+Performance.png</image:loc>
      <image:title>Blog - Lesson 89: A Case of the Perma Bug - Make it stand out</image:title>
      <image:caption>Table 1: Historical performance comparison of S&amp;P 500 against Gold and Silver (June 9, 2023)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/5/21/lesson-88-guardians-of-the-green</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/f395987d-1248-4d90-970d-499d993da65f/Lesson+88+Cover+Pic_2.jpg</image:loc>
      <image:title>Blog - Lesson 88: Guardians of the Green - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/5/1/lesson-87-the-protagonist-in-the-play</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/97ce01da-4a3c-452b-9de1-30423b574ee7/20230330_135140.jpg</image:loc>
      <image:title>Blog - Lesson 87: The Protagonist in the Play - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/4/20/lesson-86/retire-in-style</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/f6995224-c5ce-4fa4-9f11-deacebd887e0/20230228_103318.jpg</image:loc>
      <image:title>Blog - Lesson 86: Retire in Style - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2023/2/19/lesson-85-selling-your-soul</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1f4b6c60-8f54-4cda-bd90-2cbef8b0a829/Lesson+85+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 85: Selling Your Soul - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2022/12/31/lesson-84-magic-and-fairy-dust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/01ce1648-3653-4698-9711-857e5da33089/20221231_123841.jpg</image:loc>
      <image:title>Blog - Lesson 84: Magic and Fairy Dust - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2022/11/8/lesson-83-emotionless-rocks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/dbec1a8a-9ac1-46b2-b80e-f53d1e9d19ef/Lesson_83_Cover_Pic.jpg</image:loc>
      <image:title>Blog - Lesson 83: Emotionless Rocks - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2022/9/12/lesson-82-keeping-us-in-check</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1a84b067-9816-439a-b406-31aeabda8c26/Lesson+82+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 82: Keeping Us in Check - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2022/6/19/lesson-81-the-grace-of-silence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/3a1271b3-7c1f-420f-95cb-4ba4b7702dc8/20220428_102753.jpg</image:loc>
      <image:title>Blog - Lesson 81: The Grace of Silence - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/da55e565-d4b3-4771-b35d-0f82ec26da1d/Lesson+81+-+sp-500-historical-chart-data-2022-06-19-macrotrends.png</image:loc>
      <image:title>Blog - Lesson 81: The Grace of Silence - Make it stand out</image:title>
      <image:caption>Figure 1: S&amp;P 500 Index Historical Log Chart (June 19, 2022)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2022/4/11/lesson-80-deconstructing-the-pyramids</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/aee46eaa-740c-40c2-9514-b2786c0cb8e5/Lesson+80+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 80: Deconstructing the Pyramids - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/18f84966-540a-4305-b415-95355f5af6c5/Lesson+80+-+Figure+1.png</image:loc>
      <image:title>Blog - Lesson 80: Deconstructing the Pyramids - Make it stand out</image:title>
      <image:caption>Figure 1: Pyramid MLM Participant Failure Rate</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2022/2/27/lesson-79-sorting-through-the-alphabet-soup</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/fdea71c5-28c7-41a7-88df-c11669cf2a49/Lesson+79+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 79: Sorting Through the Alphabet Soup - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2022/1/8/lesson-78-first-steps-with-etfs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1d01d3c6-57a1-4885-bd19-8f1b123ce5f0/Lesson+78+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 78: First Steps with ETFs - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/14fc7f4a-3bd5-4d84-a2f8-740bf603b3c1/Lesson+78+VSP+versus+VFV.JPG</image:loc>
      <image:title>Blog - Lesson 78: First Steps with ETFs - Make it stand out</image:title>
      <image:caption>Figure 1: CAD Hedged S&amp;P 500 Market ETF (VSP) vs. CAD Non-Hedged S&amp;P 500 Market ETF (VFV)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/12/26/lesson-77-year-end-review-without-kale-and-extra-friends</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-12-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/3ad85f4a-bf8e-447d-84e6-c872f2c6d57f/Lesson+77+Cover.jpg</image:loc>
      <image:title>Blog - Lesson 77: Year End Review Without Kale and Extra Friends - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/11/14/lesson-76-ive-got-the-power</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/6f444a4a-a381-42d9-9009-463e8eacbf74/Lesson+76+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 76: I've Got the Power! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/8f997744-826f-403c-ac6a-f30d244aece1/Lesson+76+Table+1+Scenario+Inputs.JPG</image:loc>
      <image:title>Blog - Lesson 76: I've Got the Power! - Make it stand out</image:title>
      <image:caption>Table 1: Scenario Wages Before Inflation Adjustment</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/ed89e1b1-fd79-4820-afd1-7ef1a051e258/Lesson+76+Table+2+Scenario+Comparison.JPG</image:loc>
      <image:title>Blog - Lesson 76: I've Got the Power! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/10/31/lesson-75-getting-gains</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1635718224290-7GFLDWULDTLMGSQCRJSW/Lesson+75+Cover+Pic+2.jpg</image:loc>
      <image:title>Blog - Lesson 75 : Getting Gains - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1635717086752-ZD3342VG55GY2DG6JUSG/Lesson+75+US+Cap+Gains+Rate+Table.JPG</image:loc>
      <image:title>Blog - Lesson 75 : Getting Gains - Make it stand out</image:title>
      <image:caption>Table 1: Single Filer US Long Term Capital Gains Rates (October 2021)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/9/6/lesson-74-head-above-the-clouds</loc>
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    <priority>0.5</priority>
    <lastmod>2022-09-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1630965622236-ZF99T44J8DY10USY3KV5/20210824_141208.jpg</image:loc>
      <image:title>Blog - Lesson 74: Head Above the Clouds - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1630962376371-DT4QL84FBKGCM9TBNR1L/Lesson+74+-+Chart+1+SPX.png</image:loc>
      <image:title>Blog - Lesson 74: Head Above the Clouds - Make it stand out</image:title>
      <image:caption>Figure 1: SPX Chart from March 23, 2020 – August 27, 2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1630962406332-NTSJEB9H7KYOWQAI5QP2/Lesson+74+-+Chart+2+SPX.png</image:loc>
      <image:title>Blog - Lesson 74: Head Above the Clouds - Make it stand out</image:title>
      <image:caption>Figure 2: SPX Chart from August 27, 2020 – September 3, 2021</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/8/23/lesson-73-the-worth-of-time</loc>
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    <priority>0.5</priority>
    <lastmod>2021-08-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1629764040520-7VDB1O26485109QGKN0B/Lesson+73+Cover+Pic.jpg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
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    <priority>0.5</priority>
    <lastmod>2021-06-16</lastmod>
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      <image:title>Blog - Lesson 72: Meme This - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Lesson 72: Meme This</image:title>
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      <image:title>Blog - Lesson 72: Meme This</image:title>
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      <image:title>Blog - Lesson 72: Meme This</image:title>
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      <image:title>Blog - Lesson 72: Meme This</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1623815180743-GMDW2XX7PZBHUSK111OT/Lesson+72+-+Historical+Price+Trend+S%26P500.png</image:loc>
      <image:title>Blog - Lesson 72: Meme This - Make it stand out</image:title>
      <image:caption>S&amp;P500 90-Year Historical Price Trend</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/5/29/lesson-71-filling-your-tool-belt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1622324928221-LVCUSUCYIIYMVAXH5OAD/Lesson+71+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 71: Filling Your Tool Belt</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1622323951479-GKSBANJTMAEJ0I2I8FR8/Lesson+71+Portfolio+Risk+Graph.png</image:loc>
      <image:title>Blog - Lesson 71: Filling Your Tool Belt - Make it stand out</image:title>
      <image:caption>Figure 1: Systematic and Nonsystematic risk of Investment Portfolio</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/3/16/lesson-70-outside-of-your-backyard</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-03-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1615868428255-3OQ4V3NH5T7V0WEVNVCS/20210130_160755.jpg</image:loc>
      <image:title>Blog - Lesson 70: Outside of Your Backyard</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1615869400602-8M7SOIFUOC1EC1PRK3KX/Lesson%2B70%2BETF%2BTable%2B1.jpg</image:loc>
      <image:title>Blog - Lesson 70: Outside of Your Backyard</image:title>
      <image:caption>Table 1: Vanguard International ETF List Information provided from investor.vanguard.com</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/1/31/lesson-69-all-around-the-world</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1612141768738-QS3A5Q0SV5JADG0TQN1O/20210130_160403.jpg</image:loc>
      <image:title>Blog - Lesson 69: All Around the World</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2021/1/4/lesson-68-making-cents-make-sense-again</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1609814910248-XJKMIXFBJRV33DMJLILX/IMG-20200803-WA0232.jpg</image:loc>
      <image:title>Blog - Lesson 68: Making Cents Make Sense Again</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1609814325882-0QZ05YOCFNKGAAOTG519/Lesson+68+Fed+Money+Supply+Chart.png</image:loc>
      <image:title>Blog - Lesson 68: Making Cents Make Sense Again</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1609814377853-WDA6C10QK0Z3VURVLP2C/Lesson+68+ECB+Money+Supply+Chart.png</image:loc>
      <image:title>Blog - Lesson 68: Making Cents Make Sense Again</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1609814431890-V2KGOF11B9YCQBNTPZJU/Lesson+68+BoJ+Money+Supply+Chart.png</image:loc>
      <image:title>Blog - Lesson 68: Making Cents Make Sense Again</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1609814493483-SP2J6KG9B2KUI3RNJB1E/Lesson+68+BOE+Money+Supply+Chart.png</image:loc>
      <image:title>Blog - Lesson 68: Making Cents Make Sense Again</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/12/9/lesson-67-getting-personal-about-finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1607493508049-0XTSA5NVJD8PBUOVRER5/Lesson%2B67%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 67: Getting Personal About Finance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1607492594716-38YBPEUT0PWNU9NJKPI8/Lesson+67+Warren+Buffett+Net+Worth+Graph.png</image:loc>
      <image:title>Blog - Lesson 67: Getting Personal About Finance</image:title>
      <image:caption>Figure 1: Warren Buffet Net Worth Trend Over Lifetime</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/10/30/lesson-66-alternative-path</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-11-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1604120958794-22KUPTWC7U6JLAY8ZL2V/Lesson%2B66%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 66: Alternative Path</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/9/13/lesson-65-smooth-responses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-09-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1600049357767-7SRORA2GQUD97TDV2UP2/Lesson%2B65%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 65: Smooth Responses</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1600047320518-6P7YS2DM2OM5HL8KOSGX/Lesson+65+Figure+1+Business+Cycle.png</image:loc>
      <image:title>Blog - Lesson 65: Smooth Responses</image:title>
      <image:caption>Figure 1: Theoretical Business Cycle</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1600047686344-PUCW6IM2KXOQW91P3KL4/Lesson%2B65%2BFiscal%2Band%2BMonetary%2BPolicy%2BComparison.jpg</image:loc>
      <image:title>Blog - Lesson 65: Smooth Responses</image:title>
      <image:caption>Table 1: Monetary and Fiscal Policy Comparison Summary</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/8/7/lesson-64-what-we-have-in-common</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-08-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1596844972556-3NTVWQJ437GIJMFWGEXT/IMG-20200801-WA0011.jpg</image:loc>
      <image:title>Blog - Lesson 64: What We Have in Common</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1596914479883-NHBIAYFQX7GNMSRT2CQL/Lesson%2B64%2BTable%2B1%2BAsset%2BPurchase%2BExample.jpg</image:loc>
      <image:title>Blog - Lesson 64: What We Have in Common</image:title>
      <image:caption>Table 1: Asset Purchase Comparison</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/7/8/lesson-63-remaining-optimistic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1594221531369-ISOBJ4BZWRV901PUNDZW/20190507_175155.jpg</image:loc>
      <image:title>Blog - Lesson 63: Remaining Optimistic</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1594170149370-NRQ1YO9OVNGHSIGQH9DX/Lesson+63+Table+1+Ease+of+Optimization.png</image:loc>
      <image:title>Blog - Lesson 63: Remaining Optimistic</image:title>
      <image:caption>Table 1: Fixed Household Cost Optimization Ratings</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1594170246169-KUPVYXL2WPSA477EQVXM/Lesson+63+Table+2+Fixed+Household+Expenses.png</image:loc>
      <image:title>Blog - Lesson 63: Remaining Optimistic</image:title>
      <image:caption>Table 2: Fixed Household Expenses vs. Median Household Net Income</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/6/30/lesson-62-staring-at-the-levers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-06-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1593487697476-CXIIXNR97Y43HAPRYWI7/Lesson+62+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 62: Staring at the Levers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1593489374185-VWCB1VAKSGKYY1SOTFX5/Lesson+62+Figure+1+Earnings+Growth.png</image:loc>
      <image:title>Blog - Lesson 62: Staring at the Levers</image:title>
      <image:caption>Figure 1: Sample Earnings Trend and Annual Growth Rate</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/5/30/lesson-61-building-your-balance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-05-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1590811258792-73G9MIZXSZL9K5NRTLQ7/20190926_121340.jpg</image:loc>
      <image:title>Blog - Lesson 61: Building Your Balance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1590810519667-JOBXY5NWDIBY1OGS959S/Lesson+61+Figure+1+Net+Worth+Infograph.PNG</image:loc>
      <image:title>Blog - Lesson 61: Building Your Balance</image:title>
      <image:caption>Figure 1: Net Worth Infograph</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1590810655702-98CTLQXZGKKHST9SV2M4/Lesson%2B61%2BNet%2BWork%2BGraph%2BSample%2BFigure%2B2.jpg</image:loc>
      <image:title>Blog - Lesson 61: Building Your Balance</image:title>
      <image:caption>Figure 2: Net Worth Historical Tracker Sample</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/4/27/lesson-60-flavors-of-flation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-04-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1587954937204-U0KOKO5YZPIO0ROFCQ40/Lesson%2B60%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 60: Flavors of Flation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1587953850826-V4JHVBNWLSE25AWFCGL7/Lesson+60+Figure+1+Business+Cycle.PNG</image:loc>
      <image:title>Blog - Lesson 60: Flavors of Flation</image:title>
      <image:caption>Figure 1: Theoretical Business/Economic Cycle</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/4/14/lesson-59-ten-baggers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-04-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1586874278304-LN4FKUETGOYH334D68BH/20190509_142800.jpg</image:loc>
      <image:title>Blog - Lesson 59: Ten Baggers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1586871821648-RUMP9Y5RDLW0M9LRNYW9/VIX+Option+Spread_2+02_28_2020.PNG</image:loc>
      <image:title>Blog - Lesson 59: Ten Baggers</image:title>
      <image:caption>Figure 1: Option Spread on VIX (February 28, 2020) for March Monthly contract</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1586872135264-H68DIB24XMKTIQQS7FBE/VIX%2B10%2Byear%2Bchart%2B02_28_2020.jpg</image:loc>
      <image:title>Blog - Lesson 59: Ten Baggers</image:title>
      <image:caption>Figure 2: Daily Chart of the VIX (February 28, 2010 – February 28, 2020)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1586872318741-41GKFD0KNQGXS2EBAQ5S/VIX+10+year+chart+04_10_2020.PNG</image:loc>
      <image:title>Blog - Lesson 59: Ten Baggers</image:title>
      <image:caption>Figure 3: Daily Chart of the VIX April 4, 2011 to April 4, 2020</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/3/9/lesson-58-hokey-pokey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1583729035471-IFJFK2BBNUU3HUALBJ03/Lesson%2B58%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 58: Hokey Pokey</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1583725833973-N8EESU9ECSVHK8YQ76GD/Lesson+58+Eq+1.PNG</image:loc>
      <image:title>Blog - Lesson 58: Hokey Pokey</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1583725967744-A27ANJJ9QVKO34MLBK7W/Lesson+58+Eq+2.PNG</image:loc>
      <image:title>Blog - Lesson 58: Hokey Pokey</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1583726483843-WPJORD00B0Y8A18WSTHE/Lesson+58+Table+1+DOW+Component+Changes.png</image:loc>
      <image:title>Blog - Lesson 58: Hokey Pokey</image:title>
      <image:caption>Table 1: DJIA Last 9 Component Changes</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1583726640807-GGNPWV41PS64AHO9EV0K/Lesson+58+Table+2+DOW+ranking+March+2019.png</image:loc>
      <image:title>Blog - Lesson 58: Hokey Pokey</image:title>
      <image:caption>Table 2: DOW Top 10 Component Ranking March 1, 2019</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1583726804917-4SH97ASWMA8WHJJCNBT1/Lesson+58+Table+3+DOW+Ranking+March+2020.png</image:loc>
      <image:title>Blog - Lesson 58: Hokey Pokey</image:title>
      <image:caption>Table 3: DOW Top 10 Component Ranking March 6, 2020</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/2/3/lesson-57-dual-dark-dichotomy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-02-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1580706303598-JVCPFGAULZAZWA8UV5HP/20190825_152219.jpg</image:loc>
      <image:title>Blog - Lesson 57: Dual Dark Dichotomy</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1580700208365-DYS6YZP0DAAJ3U4P1H8U/Lesson+57+-+Figure+1.png</image:loc>
      <image:title>Blog - Lesson 57: Dual Dark Dichotomy</image:title>
      <image:caption>Figure 1: S&amp;P500 Chart Feb 2019 to Feb 2020</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2020/1/6/lesson-56-year-end-reviews-and-a-guy-named-norbert</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1578285750425-K8YANDLWSHNWK6MQ3GT2/IMG-20190503-WA0002.jpg</image:loc>
      <image:title>Blog - Lesson 56: Year End Reviews and a Guy Named Norbert</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1578284167300-295AYKHH0AMYCG0YCVED/Lesson+56+-+Norbert%27s+Gambit.png</image:loc>
      <image:title>Blog - Lesson 56: Year End Reviews and a Guy Named Norbert</image:title>
      <image:caption>Table 1: Norbert’s Gambit vs. Standard Currency Conversion</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/12/15/lesson-55-grey-hair</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1576389270102-01DXI2ZJBX98Z42HTOSM/20180829_185437.jpg</image:loc>
      <image:title>Blog - Lesson 55: Grey Hair</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/11/27/lesson-54-the-real-home-owners-of-defactoville</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1574834480835-GXOX0PGIQ5O3ZJZTMZ3T/20190825_194455.jpg</image:loc>
      <image:title>Blog - Lesson 54: The Real Home Owners of Defactoville</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1574833337978-7RQ3TVS0QF2HTU15LK7E/Lesson%2B54%2B-%2BTable%2B1.jpg</image:loc>
      <image:title>Blog - Lesson 54: The Real Home Owners of Defactoville</image:title>
      <image:caption>Table 1: Buyer 1 and Buyer 2 Scenario Data</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1574833464231-7EPJ06N2T3W5L7Z0N1BY/Lesson%2B54%2B-%2BTable%2B2.jpg</image:loc>
      <image:title>Blog - Lesson 54: The Real Home Owners of Defactoville</image:title>
      <image:caption>Table 2: Buyer 1 First Five Years Amortization Schedule</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1574833578594-G6HNZ126UG2MTNMCRMPZ/Lesson%2B54%2B-%2BTable%2B3.jpg</image:loc>
      <image:title>Blog - Lesson 54: The Real Home Owners of Defactoville</image:title>
      <image:caption>Table 3: Buyer 2 First Nine Years Amortization Schedule</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1574833774669-7VGWMZ9LH7IY4WR3AK0B/Lesson%2B54%2B-%2BTable%2B4.jpg</image:loc>
      <image:title>Blog - Lesson 54: The Real Home Owners of Defactoville</image:title>
      <image:caption>Table 4: Buyer 1 Condensed Amortization Schedule</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1574833956561-5EYK62EN3KZ25ZMOQ0H9/Lesson+54+-+Table+5.png</image:loc>
      <image:title>Blog - Lesson 54: The Real Home Owners of Defactoville</image:title>
      <image:caption>Table 5: Buyer 2 Condensed Amortization Schedule</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1574834066139-D60HHME2WG21K1D5GO43/Lesson%2B54%2B-%2BTable%2B6.jpg</image:loc>
      <image:title>Blog - Lesson 54: The Real Home Owners of Defactoville</image:title>
      <image:caption>Table 6: Buyer 2 First Three Years Amortization Schedule</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/11/4/lesson-53-thrill-of-the-hunt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1572843068871-HOI9SZCZA2S0NE63FL7J/20190927_141533.jpg</image:loc>
      <image:title>Blog - Lesson 53: Thrill of the Hunt</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1572842246673-PHDJQGJKI6821XE98XHN/Lesson+53+-+Age+of+Sports+Card+Collectors.png</image:loc>
      <image:title>Blog - Lesson 53: Thrill of the Hunt</image:title>
      <image:caption>Figure 1: Age of Sports Card Collectors</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/9/25/lesson-52-eat-the-lunch</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1569427147205-QVLYGKO76CCGK68JXQT3/20190825_154426.jpg</image:loc>
      <image:title>Blog - Lesson 52: Eat the Lunch</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/9/17/lesson-51-real-talk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1568683345412-6STXLBXT33TFP9CRPAKT/20190824_152400.jpg</image:loc>
      <image:title>Blog - Lesson 51: Real Talk</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1568683584153-B50AJ1OMY89R278GMOXW/Lesson+51+-+Table+1+Dividend+Types.PNG</image:loc>
      <image:title>Blog - Lesson 51: Real Talk</image:title>
      <image:caption>Table 1: Eligibility of Dividend Sources</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1568683738973-9WME6I7B46N82B5GN6UT/image-asset.png</image:loc>
      <image:title>Blog - Lesson 51: Real Talk</image:title>
      <image:caption>Figure 1: REIT Cash Distribution Makeup</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1568683836787-N3PRZ62BLL45OL9MONDW/Lesson+51+-+Table+2+REIT+Component+Taxation.PNG</image:loc>
      <image:title>Blog - Lesson 51: Real Talk</image:title>
      <image:caption>Table 2: REIT Cash Distribution Taxation Summary</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1568683931096-W5NQ29NIPFZNHS9BT9XL/Lesson+51+-+Table+3+Optimal+REIT+Placement.PNG</image:loc>
      <image:title>Blog - Lesson 51: Real Talk</image:title>
      <image:caption>Table 3: Optimal REIT Placements</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/8/12/lesson-50-instant-replay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565564007802-2IJG4M43VXNPWJCT8WPC/20180830_204356.jpg</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565561518539-6Y31APOMXLHDZ0W3GOG6/Lesson+50+-+ZJO+Graph+1.png</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
      <image:caption>Figure 1: ZJO Chart #1</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565561600154-PH2DDBUR2XWGS1BT3LUX/Lesson+50+-+ZJO+Graph+2.png</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
      <image:caption>Figure 2: ZJO Chart #2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565561698631-ZP702K8K4HEUBIJQROXR/Lesson+50+-+SCO+Graph+1.png</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
      <image:caption>Figure 3: WTI Crude Oil Price ($/bbl)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565561800745-4ZMHZFUVRUJ0RVHT3NZO/Lesson+50+-+SCO+Graph+1.png</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
      <image:caption>Figure 4: SCO Chart #1</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565562045469-YCS8AMWQ8871PQI8DBJ1/Lesson+50+-+WTI+Graph+2.png</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
      <image:caption>Figure 5: WTI Crude Oil Price ($/bbl)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565562060982-4RLDR5HKH3EC9BJ08XNL/Lesson+50+-+SCO+Graph+2.png</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
      <image:caption>Figure 6: SCO Chart #2</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565562183343-2PRVJPG74VBSBCSNN70Q/Lesson+50+-+CXR+Graph+1.png</image:loc>
      <image:title>Blog - Lesson 50: Instant Replay</image:title>
      <image:caption>Figure 7: CXR Chart Jan 2014 - September 2015</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/7/6/lesson-49-100-proof</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-07-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1562371582598-BLDUU9R8IDCYDSBLJQL7/Lesson%2B49%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 49: 100 Proof</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/6/13/lesson-48-the-caffeine-detriment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-06-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1560397272138-FCFJBRV9X92JDJFRWEUA/Lesson%2B48%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 48: The Coffee Detriment</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1560396983353-L5AXXA0BGTI2CIK492IO/Lesson%2B48%2BFigure%2B1%2BAnnual%2BCoffee%2BSpend%2Bby%2BIndustry.jpg</image:loc>
      <image:title>Blog - Lesson 48: The Coffee Detriment</image:title>
      <image:caption>Figure 1: Average Annual Coffee Spend by Industry (USD) Source: Amerisleep Study</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1560396404494-NCK960265UDJL9JXAA2M/Lesson+48+Figure+2+Annual+Coffee+Spend+by+Age.png</image:loc>
      <image:title>Blog - Lesson 48: The Coffee Detriment</image:title>
      <image:caption>Figure 2: Average Annual Coffee Spend by Age (USD) Source: AmeriSleep Study</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1560396470360-ET6KGV8RLONR8CLG9URQ/Lesson+48+Figure+3+Cumulative+Opportunity+Cost+of+Purchasing+Coffee+Daily.png</image:loc>
      <image:title>Blog - Lesson 48: The Coffee Detriment</image:title>
      <image:caption>Figure 3: Cumulative Opportunity Cost of Purchasing Coffee Daily for 30 Years</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/4/23/lesson-47-highly-frequent-and-frequently-high</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1555828906525-Y319G1WC0FI2YNGBUAFS/20190305_231635.jpg</image:loc>
      <image:title>Blog - Lesson 47: Highly Frequent and Frequently High</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/4/12/lesson-46-mampa-brain-dump</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1555085432008-L9JPTSKAL5Y7650MDX2R/20190302_150211.jpg</image:loc>
      <image:title>Blog - Lesson 46: M&amp;amp;A Brain Dump</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/3/20/lesson-45-timmys-tonka-truck</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-03-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1553052711496-DGHQT40NHGJ7NQKXJ889/Lesson+45+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 45: Timmy's Tonka Truck</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/2/25/lesson-44-leaving-money-on-the-table</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1551072414774-RL0BEX756PT7GVA4JYGO/Lesson+44+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 44: Leaving Money on the Table</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/1/26/lesson-43-out-of-the-goodness-of-your-heart</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1547848133610-RRKHEMH42D0EDK914JX6/Lesson+43+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 43: Out of the Goodness of Your Heart</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1547581375809-1U01FHFC85QGHRIPA6JK/Lesson+43+-+Donation+Dollar+Table.JPG</image:loc>
      <image:title>Blog - Lesson 43: Out of the Goodness of Your Heart</image:title>
      <image:caption>Table 1: Donation Dollar Efficiency per Charity Category</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/1/12/lesson-42-tone-it-down-bud</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-01-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1547318911934-PXQ7FNR6MBDP5P3PK9NM/Lesson+42+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 42: Tone it Down Bud</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1547142834333-TR9I02GXDZXX3MRG4CYY/Lesson+42+Historical+Life+Expectancy+in+Canada.png</image:loc>
      <image:title>Blog - Lesson 42: Tone it Down Bud</image:title>
      <image:caption>Figure 1: Historical Life Expectancy in Canada</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2019/1/5/lesson-41-risky-business-and-puerto-rican-madness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-01-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1546293542258-7DZPDOHRX9F3855CWR9B/Lesson%2B41%2BCover%2BPic.jpg</image:loc>
      <image:title>Blog - Lesson 41: Risky Business and Puerto Rican Madness</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1546289667831-QFZY2G9CWU07IIPX7CIO/Lesson+41+Portfolio+Risk.png</image:loc>
      <image:title>Blog - Lesson 41: Risky Business and Puerto Rican Madness</image:title>
      <image:caption>Figure 1: Portfolio Risk vs. Number of Stocks in Portfolio Source: Corporate Finance Institute</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1546289797508-T2AUDCW6FA9ECIJSRP8D/Lesson+41+Diversification+Risk+Graph.png</image:loc>
      <image:title>Blog - Lesson 41: Risky Business and Puerto Rican Madness</image:title>
      <image:caption>Figure 2: Portfolio Standard Deviation vs. Number of Stocks in Portfolio Source: Seeking Alpha</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1546289915062-NE1PU8Y2HDNWP5D57EBU/Lesson+41+Puerto+Rican+Bond+Graph.png</image:loc>
      <image:title>Blog - Lesson 41: Risky Business and Puerto Rican Madness</image:title>
      <image:caption>Figure 3: Puerto Rican 25 Year Bond Valuations Source: Zero hedge</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/12/28/lesson-40-goods-services-and-broken-records</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1545807597859-R1K1GS0LKPBO9QIX83KN/20180829_124559.jpg</image:loc>
      <image:title>Blog - Lesson 40: Goods, Services, and Broken Records</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1545680485463-6Z6PK8A94KMGEDI6BR9U/Lesson+40+Canadian+GDP.JPG</image:loc>
      <image:title>Blog - Lesson 40: Goods, Services, and Broken Records</image:title>
      <image:caption>Figure 1: Canadian Historical GDP (in Billions $US)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/12/23/lesson-39-bears-in-the-spotlight</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-12-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1545680789969-EWPDU6CQNF5QG89NHXMA/blob</image:loc>
      <image:title>Blog - Lesson 39: Bears in the Spotlight</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1545616214600-5NGN97V2FWB4PC4I78XQ/Lesson+39+-+S%26P500+Bull+and+Bear+Markets.jpg</image:loc>
      <image:title>Blog - Lesson 39: Bears in the Spotlight</image:title>
      <image:caption>Figure 1: S&amp;P 500 Historical Bull and Bear Markets</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/9/27/lesson-38</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1538100434470-M6MHC3WSVBB8IKGOGRMF/20180828_193427.jpg</image:loc>
      <image:title>Blog - Lesson 38: Proper Property</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/9/11/lesson-37</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1536735081899-V8OFFJPV0GXRTN3JTODI/20180824_180704.jpg</image:loc>
      <image:title>Blog - Lesson 37: High on Espressos and Leffe</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/7/25/lesson-36-rrsp-is-your-second-best-friend</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1532497730511-DBALARQBZYQQSYUEP6L4/Lesson+36+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 36: Your Second Best Friend is Your RRSP</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/6/11/operating-the-money-gun</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1528780312312-VHZC4FF8ARDJ0ZDB0GBK/Lesson+35+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 35: Operating the Money Gun</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1528765357986-2DYYD7CRDY6UIY24E8NM/Lesson+35+StatsCan+graph.PNG</image:loc>
      <image:title>Blog - Lesson 35: Operating the Money Gun</image:title>
      <image:caption>Figure 1: Historical Canadian Household Debt to Gross Income Ratios (%)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/6/7/lesson-34-shiny-things</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1528435972138-VU4ZQVVUFM820K2P3KLP/Lesson+34+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 34: Shiny Things</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1528436118183-K2I9K031LS6M8MZNOJGN/Lesson+34+RBC+VIsion+Bond+Fund.PNG</image:loc>
      <image:title>Blog - Lesson 34: Shiny Things</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1528436096414-NLCIWNFK2SMDRQVMPSGG/Lesson+34+Graph+2.PNG</image:loc>
      <image:title>Blog - Lesson 34: Shiny Things</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/4/30/lesson-33-lucky-losers</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1525151624617-B3V05E4BKYML7E67F7OF/Lesson+33+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 33: Lucky Losers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/3/19/lesson-32-funny-money</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1521523985423-6FCWQSELNX21CKYIG9RG/Lesson+32+Cover+Picture.jpg</image:loc>
      <image:title>Blog - Lesson 32: Funny Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1521518597858-S7C3M2426YY686DNSTYF/Lesson+32+Propect+Theory+Utility+Graph.jpg</image:loc>
      <image:title>Blog - Lesson 32: Funny Money</image:title>
      <image:caption>Figure 1: Utility Function Under Prospect Theory</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/2/24/lesson-31-analysis-paralysis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1519455465085-OI4ES67C4QNLGYMLR1RQ/Lesson+31+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 31: Analysis Paralysis</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/2/6/lesson-30-emotional-inconvenience</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1517983379552-WYUMRAN6MTBUEC2O8R09/img123.jpg</image:loc>
      <image:title>Blog - Lesson 30: Emotional Inconvenience</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1517982228372-J6EDVWRPJWTM4UYFLE1E/Lesson+30+-+S%26P+500+Historical+Chart.PNG</image:loc>
      <image:title>Blog - Lesson 30: Emotional Inconvenience</image:title>
      <image:caption>Figure 1: S&amp;P 500 Historical Chart (2007 to February 6, 2018)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2018/1/5/lesson-29-read-me</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/eb0df7c5-cb47-45e0-b0c2-91835c603dbe/Lesson+29+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 29: Read Me</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/12/19/lesson-28-short-end-of-the-stick</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1513665703118-HSHBYSUCH95Y2LP6VSPF/Lesson+28+Collage.jpg</image:loc>
      <image:title>Blog - Lesson 28: Short End of the Stick</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/11/11/lesson-27-playing-fair</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1510198519504-8SSR25DE2RXM34SGYRMO/Lesson+27+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 27: Playing Fair</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1510198908716-U59MRZKCGTZGBIO3TJI1/Lesson+27+Graph+1.PNG</image:loc>
      <image:title>Blog - Lesson 27: Playing Fair</image:title>
      <image:caption>Figure 1: OPEC and World Oil Supply</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1510199000801-D3N6LQQ6KU47IBSL11FJ/Lesson+27+Graph+2.PNG</image:loc>
      <image:title>Blog - Lesson 27: Playing Fair</image:title>
      <image:caption>Figure 2: WTI Crude Oil Prices: Oct 2015 - Current</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/10/28/lesson-26-pick-me-pick-me</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1508989178404-ZQ16BNJW5862VHYOP898/20170928_141927.jpg</image:loc>
      <image:title>Blog - Lesson 26: Pick Me! Pick Me!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/9/23/lesson-25-deregulation-is-trendy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1513666072289-7A9C9IQCGGDH1XOAP01H/Lesson+25+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 25: Deregulation is Trendy</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1506144234338-6EH704ZZKYA2IB4LFBO6/Lesson+25+Graph.PNG</image:loc>
      <image:title>Blog - Lesson 25: Deregulation is Trendy</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/9/2/lesson-24-its-great-to-be-an-introvert</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1504373214240-FZFJP554SP3VZ24FVFPG/Lesson+24+Cover+Pic.jpg</image:loc>
      <image:title>Blog - Lesson 24: It's Great to Be an Introvert</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1504371623791-8CQDPLMZ24SC94H3YXM5/Lesson+24+-+Fun+Cost+Rate+Table.PNG</image:loc>
      <image:title>Blog - Lesson 24: It's Great to Be an Introvert</image:title>
      <image:caption>Table 1: Fun Cost Rate Calculation Per Person</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1504371699852-NJL00CTE8A13WFEKPGEL/Lesson+24+-+Fun+Cost+Rate+Graph.PNG</image:loc>
      <image:title>Blog - Lesson 24: It's Great to Be an Introvert</image:title>
      <image:caption>Figure 1: Fun Cost Rate Per Social Factor Grouping Orange: Social Factor 3 Red: Social Factor 2 Purple: Social Factor 1</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/8/12/lesson-23-the-golden-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565046402660-HODUABKGR13M803Q07IC/20180904_120708.jpg</image:loc>
      <image:title>Blog - Lesson 23: The Golden Rule</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/7/29/lesson-22-the-cycle-of-money</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1501217305081-7SL03KG63CV4LDCP1VPA/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 22: The Cycle of Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1501215973268-9S779WDPQP8JMHF6VYYK/image-asset.png</image:loc>
      <image:title>Blog - Lesson 22: The Cycle of Money</image:title>
      <image:caption>Figure 1: Open Market Operations - Cycle of Money</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/7/15/lesson-21-slice-of-the-pie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1502428760973-742PJJCQQJDSB7MXVFGQ/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 21: Slice of the Pie</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1499821410553-BNFPI3EB7PLOV0YHQGVU/image-asset.png</image:loc>
      <image:title>Blog - Lesson 21: Slice of the Pie</image:title>
      <image:caption>Figure 1: Jane's House Breakdown</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1499823839720-JTRCR0T6SGXJWCY4UBX8/image-asset.png</image:loc>
      <image:title>Blog - Lesson 21: Slice of the Pie</image:title>
      <image:caption>Figure 2: Jane's House Breakdown after Appraisal</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/7/1/lesson-20-alphabet-soup</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1498943314789-FT8K0AZXH4P4PNHES88F/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 20: Alphabet Soup</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/6/24/lesson-19-large-frenches-and-footlongs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/3ff57493-af04-4854-b3cd-03a80944e81f/image-asset.jpg</image:loc>
      <image:title>Blog - Lesson 19: Large Frenches and Footlongs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/6/9/lesson-18-working-hard-or-hardly-working</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1497070810912-3WAZM8F02QMV0PMEMIRC/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 18: Working Hard or Hardly Working</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1497069293654-BNHX9ZMRPS5VZQ1L4OQ5/image-asset.png</image:loc>
      <image:title>Blog - Lesson 18: Working Hard or Hardly Working</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/5/27/lesson-17-watching-paint-dry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1496037493975-R6RZT1L1LUDBU5KH833L/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 17: Watching Paint Dry</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1495770572051-USHFKSD4V4SJNJKGW60Q/image-asset.png</image:loc>
      <image:title>Blog - Lesson 17: Watching Paint Dry</image:title>
      <image:caption>May 25, 2017: Weekly Chart of HVU : Double Leverage ETF that tracks the Volatility Index (VIX)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1495770655288-7F87W9UY32KS9J9L3NRV/image-asset.png</image:loc>
      <image:title>Blog - Lesson 17: Watching Paint Dry</image:title>
      <image:caption>May 25, 2017: 1 Year Chart of HVU : Double Leverage ETF that tracks the Volatility Index (VIX)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1495770738110-1UXS6NDHSSX7YZPZICWY/image-asset.png</image:loc>
      <image:title>Blog - Lesson 17: Watching Paint Dry</image:title>
      <image:caption>May 25, 2017: 10 Year Chart of HVU : Double Leverage ETF that tracks the Volatility Index (VIX)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/5/13/lesson-16-storm-chasers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1494566073029-NUTH439QM9MRHWUL3LMA/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 16: Storm Chasers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/5/6/lesson-15-avoiding-fraud</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/875e769d-c9ea-431c-b476-689213663c7c/20210129_092437.jpg</image:loc>
      <image:title>Blog - Lesson 15: Too Good to Be True - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/4/29/lesson-14-excuses-why-your-kids-or-you-cant-become-millionaires</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/d133182a-fbf8-49ab-b080-43c83af88a5f/image-asset.jpg</image:loc>
      <image:title>Blog - Lesson 14: Excuses Why Your Kids (or You) Can't Become A Millionaire</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/4/21/lesson-13-seize-the-opportunity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1565046649365-YLWCTDUN86FUGS0LCYHG/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 13: Seize the Opportunity</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/4/15/lesson-12-ipo-mania</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1493090345259-BE4N6NQ6G11Q96W2Z89A/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 12: IPO Mania</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1492239420863-X59D4M6BXSHF595NJ2KG/image-asset.png</image:loc>
      <image:title>Blog - Lesson 12: IPO Mania</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1492239446263-JKKMF2WKDCSNMAO9B61G/image-asset.png</image:loc>
      <image:title>Blog - Lesson 12: IPO Mania</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1492239923555-4AEHGB5OMM9Z0P9VDQR7/image-asset.png</image:loc>
      <image:title>Blog - Lesson 12: IPO Mania</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/4/8/lesson-11-a-vehicle-is-your-worst-investment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/3f034dfa-c277-4669-b13d-3399fdf5f4cd/image-asset.jpg</image:loc>
      <image:title>Blog - Lesson 11: A Vehicle is Your Worst Investment</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1491609425245-0XJMJK54L43EV4IUXUE5/image-asset.png</image:loc>
      <image:title>Blog - Lesson 11: A Vehicle is Your Worst Investment</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/4/1/lesson-10-exchange-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/b82af73f-3a90-4b6d-853f-dff88b4beadf/image-asset.jpg</image:loc>
      <image:title>Blog - Lesson 10: Let's Exchange Numbers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/3/24/lesson-9-mutual-fund-picker</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/75167189-ba5d-4916-863f-b36e100c701e/20190823_134439.jpg</image:loc>
      <image:title>Blog - Lesson 9: Take Care of the Load</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.makecents.ca/blog/2017/3/18/lesson-8-what-kind-of-investor-are-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1489820608300-QZJUOOZLI6DH8TKK1TBH/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 8: What Kind of Investor are You?</image:title>
    </image:image>
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  <url>
    <loc>https://www.makecents.ca/blog/2017/3/11/lesson-7-keeping-score</loc>
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    <priority>0.5</priority>
    <lastmod>2017-03-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1489244992139-L54TVQTVI5ZM20Q1P9TD/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 7: Keeping Score</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2017/2/25/lesson-6-the-compounding-effect</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/45ed82ae-7418-47e5-98ef-e1d2784fbbdd/20190822_195807.jpg</image:loc>
      <image:title>Blog - Lesson 6: The Compounding Effect</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1488522901008-D1X4R7U8112SG6O6A67U/image-asset.png</image:loc>
      <image:title>Blog - Lesson 6: The Compounding Effect</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1488141388731-TWHMTMEG64YU8HKGTP0C/image-asset.png</image:loc>
      <image:title>Blog - Lesson 6: The Compounding Effect</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2017/2/20/lesson-5-hugo-boss-sweatpants-and-mexico-trips</loc>
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    <priority>0.5</priority>
    <lastmod>2017-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1488044055420-BY865VFGQU5YTIM8BUL8/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 5: Hugo Boss Sweatpants and Mexico Trips</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2017/2/18/lesson-4-singles-save-ons</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/9d2c5724-b144-47ba-9dd5-cb0044ecd38d/image-asset.jpg</image:loc>
      <image:title>Blog - Lesson 4: Singles Save Ons</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2017/2/7/lesson-3-experts-are-always-wrong</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/2d6d1a39-4b12-484a-a7b0-a835c40801c0/image-asset.jpg</image:loc>
      <image:title>Blog - Lesson 3: Experts Are Always Wrong</image:title>
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  <url>
    <loc>https://www.makecents.ca/blog/2017/2/2/lesson-2-tfsa-is-your-best-friend</loc>
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    <priority>0.5</priority>
    <lastmod>2022-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1486143917824-8YP4YPI9PGIAMQSBHRWV/image-asset.png</image:loc>
      <image:title>Blog - Lesson 2: Your Best Friend Is Your TFSA</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1486103108690-G2VOD37IKJLIDMIZDHOZ/image-asset.png</image:loc>
      <image:title>Blog - Lesson 2: Your Best Friend Is Your TFSA</image:title>
      <image:caption>FIGURE 1: TFSA Max Contribution Limits Since 2009</image:caption>
    </image:image>
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    <loc>https://www.makecents.ca/blog/2017/1/28/test-1</loc>
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    <priority>0.5</priority>
    <lastmod>2024-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/1485931913285-U4RNSQQOMC73R6OMXN2X/image-asset.jpeg</image:loc>
      <image:title>Blog - Lesson 1: Make Cents Make Sense</image:title>
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    <loc>https://www.makecents.ca/blog/category/Economics</loc>
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    <loc>https://www.makecents.ca/blog/category/Money+Management</loc>
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  </url>
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    <loc>https://www.makecents.ca/blog/category/Real+Estate</loc>
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    <loc>https://www.makecents.ca/blog/category/Trading</loc>
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    <loc>https://www.makecents.ca/blog/category/Retirement</loc>
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    <loc>https://www.makecents.ca/performance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/588c4af38419c2ec3fce7dc0/e2481849-9a0c-406d-bc85-ffd93cbbf1c9/Net+Worth+Growth+Chart+-+March+2026.png</image:loc>
      <image:title>Performance - Make it stand out</image:title>
      <image:caption>Figure 1: Historical Net Worth Growth</image:caption>
    </image:image>
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