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<channel>
	<title>Reflections on Wealth</title>
	
	<link>http://ratcliffewealth.com</link>
	<description>the blog and site of Ratcliffe Wealth &amp; Risk Management</description>
	<pubDate>Wed, 19 Nov 2008 16:45:44 +0000</pubDate>
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	<language>en</language>
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		<title>Understanding the guaranteed income for life offerings</title>
		<link>http://ratcliffewealth.com/index.php/2008/11/17/understanding-the-guaranteed-income-for-life-offerings/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/11/17/understanding-the-guaranteed-income-for-life-offerings/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 22:56:28 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Finances for Women]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Insurance]]></category>

		<category><![CDATA[Investment Planning]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[GMWB]]></category>

		<category><![CDATA[guaranteed income]]></category>

		<category><![CDATA[guaranteed minimum withdrawal]]></category>

		<category><![CDATA[IncomePlus]]></category>

		<category><![CDATA[investments]]></category>

		<category><![CDATA[Manulife]]></category>

		<category><![CDATA[retirement]]></category>

		<category><![CDATA[Tony Ratcliffe]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=117</guid>
		<description><![CDATA[During one of our recent social media group meetings, the Social Web Meetup in particular, I happened to mention the guaranteed income for life products, known also as Guaranteed Minimum Withdrawal Benefit. My friend asked if I would arrange a small coffee meeting to provide some information. Of course I will! As I explored what I [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/11/17/understanding-the-guaranteed-income-for-life-offerings/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Passions Resolved</title>
		<link>http://ratcliffewealth.com/index.php/2008/11/16/passions-resolved/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/11/16/passions-resolved/#comments</comments>
		<pubDate>Sun, 16 Nov 2008 18:52:49 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Community]]></category>

		<category><![CDATA[Distance Education]]></category>

		<category><![CDATA[Education]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[course developers]]></category>

		<category><![CDATA[designers]]></category>

		<category><![CDATA[faculty]]></category>

		<category><![CDATA[financial security]]></category>

		<category><![CDATA[Tony Ratcliffe]]></category>

		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=97</guid>
		<description><![CDATA[Questions often asked of me, and by me, relate to identifying my target market and my ideal client. This is not always an easy task, but over time the answers have become clearer. 
My passions are distance education and personal financial security. I do both, and they fit together nicely. It allows me to associate [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/11/16/passions-resolved/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Remember Remember the 5th of November!</title>
		<link>http://ratcliffewealth.com/index.php/2008/11/05/remember-remember-the-5th-of-november/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/11/05/remember-remember-the-5th-of-november/#comments</comments>
		<pubDate>Thu, 06 Nov 2008 05:41:03 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Community]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[Alberta St George of England]]></category>

		<category><![CDATA[Bonfire Night]]></category>

		<category><![CDATA[Edmonton]]></category>

		<category><![CDATA[Guy Fawkes]]></category>

		<category><![CDATA[John Tancred]]></category>

		<category><![CDATA[Shrine Temple]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=113</guid>
		<description><![CDATA[I have been in Canada for 43 years now after emigrating from England. It was just last year that I discovered the celebration of a British tradition here in Edmonton: Guy Fawkes Night, also known as Bonfire Night. The history dates back to 1605 when 13 young men conspired to blow up the Houses of Parliament [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/11/05/remember-remember-the-5th-of-november/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Canadian Network for Innovation in Education</title>
		<link>http://ratcliffewealth.com/index.php/2008/11/04/canadian-network-for-innovation-in-education/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/11/04/canadian-network-for-innovation-in-education/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 00:57:04 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Distance Education]]></category>

		<category><![CDATA[Education]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[AMTEC]]></category>

		<category><![CDATA[CADE]]></category>

		<category><![CDATA[CNIE]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=112</guid>
		<description><![CDATA[Canadian Network for Innovation in Education (CNIE) was created through the merger of the Canadian Association for Distance Education (CADE) and the Association for Media and Technology in Education (AMTEC). I know that many in my social communities are involved with training, education, media, technology, etc., so I wanted to introduce CNIE to those who are not familiar [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/11/04/canadian-network-for-innovation-in-education/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Does Web 2.0 dilute the power of interpersonal communication?</title>
		<link>http://ratcliffewealth.com/index.php/2008/11/01/does-web-20-dilute-the-power-of-interpersonal-communication/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/11/01/does-web-20-dilute-the-power-of-interpersonal-communication/#comments</comments>
		<pubDate>Sat, 01 Nov 2008 18:04:37 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Community]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[blogs]]></category>

		<category><![CDATA[Canadian Professional Sales]]></category>

		<category><![CDATA[CPSA]]></category>

		<category><![CDATA[Keith Rosen]]></category>

		<category><![CDATA[Mena Trott]]></category>

		<category><![CDATA[Web 2.0]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=111</guid>
		<description><![CDATA[Web 2.0 has become part of my way of communicating with friends, clients, prospective clients, and others interested in what I have to say. It is no surprise that Keith Rosen’s article caught my attention. “When Technology Disconnects Us: How Sales 2.0/Web 2.0 Is Diluting The Power of Interpersonal Communication” was published in Sales Xchange, [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/11/01/does-web-20-dilute-the-power-of-interpersonal-communication/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Business Building Workshop in Canmore</title>
		<link>http://ratcliffewealth.com/index.php/2008/10/31/business-building-workshop-in-canmore/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/10/31/business-building-workshop-in-canmore/#comments</comments>
		<pubDate>Sat, 01 Nov 2008 05:28:52 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Education]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[business building]]></category>

		<category><![CDATA[Canmore]]></category>

		<category><![CDATA[continuing education]]></category>

		<category><![CDATA[Financial Management]]></category>

		<category><![CDATA[Radisson]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=110</guid>
		<description><![CDATA[Continuing education opportunities fit with my passion for lifelong learning. I just returned from a wonderful Business Building Workshop held in Canmore at the Radisson Hotel &#38; Conference Centre. Thanks go to Financial Management for sponsoring this event. Financial Management is the Managing General Agency with which I associate, and one of their services is [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/10/31/business-building-workshop-in-canmore/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Photography May Cause Concerns</title>
		<link>http://ratcliffewealth.com/index.php/2008/10/31/photography-may-cause-concerns/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/10/31/photography-may-cause-concerns/#comments</comments>
		<pubDate>Sat, 01 Nov 2008 02:56:35 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Community]]></category>

		<category><![CDATA[Risk Management]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[Century Hospitality]]></category>

		<category><![CDATA[Hundred Bar Kitchen]]></category>

		<category><![CDATA[photography]]></category>

		<category><![CDATA[privacy]]></category>

		<category><![CDATA[restaurant review]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=109</guid>
		<description><![CDATA[In his blog entry, “Scared of social media? Follow Batman’s lead,” Mack D. Male (Mastermaq) wrote about the fear of social media and described something he experienced at Century Hospitality Group’s new establishment, Hundred Bar Kitchen. Mack’s concern was that he was questioned about taking photographs inside the restaurant without permission, and he identified management’s [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/10/31/photography-may-cause-concerns/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Points to Ponder</title>
		<link>http://ratcliffewealth.com/index.php/2008/10/23/points-to-ponder/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/10/23/points-to-ponder/#comments</comments>
		<pubDate>Thu, 23 Oct 2008 21:03:42 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Community]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Insurance]]></category>

		<category><![CDATA[Investment Planning]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[Edmonton Chamber of Commerce]]></category>

		<category><![CDATA[guaranteed investments]]></category>

		<category><![CDATA[return of premiums]]></category>

		<category><![CDATA[speed networking]]></category>

		<category><![CDATA[term life insurance]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=108</guid>
		<description><![CDATA[I am sharing 4 points that I presented last night to those I met in Speed Networking. This event is a periodic event of the Edmonton Chamber of Commerce. It is an opportunity to meet a variety of people in a business networking setting.
Since I only had about 45 seconds with each person, the following [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/10/23/points-to-ponder/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What is important to Tony?</title>
		<link>http://ratcliffewealth.com/index.php/2008/10/17/what-is-important-to-tony/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/10/17/what-is-important-to-tony/#comments</comments>
		<pubDate>Sat, 18 Oct 2008 01:45:17 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Distance Education]]></category>

		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Insurance]]></category>

		<category><![CDATA[Investment Planning]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[Advocis]]></category>

		<category><![CDATA[Chartered Life Underwriter]]></category>

		<category><![CDATA[distance education]]></category>

		<category><![CDATA[Edmonton]]></category>

		<category><![CDATA[emergency planning]]></category>

		<category><![CDATA[lifelong learning]]></category>

		<category><![CDATA[Master of Distance Education]]></category>

		<category><![CDATA[Registered Health Underwriter]]></category>

		<category><![CDATA[RHU]]></category>

		<category><![CDATA[risk assessment]]></category>

		<category><![CDATA[University of Calgary]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=107</guid>
		<description><![CDATA[This question could be addressed in different ways, but I am going to focus on my work and business and my current activities. First, as many know, I am passionate about distance education and lifelong learning so, if I may, I will write about my continuing professional education. I regularly attend educational sessions presented by [...]]]></description>
		<wfw:commentRss>http://ratcliffewealth.com/index.php/2008/10/17/what-is-important-to-tony/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The Origin of Critical Illness Insurance</title>
		<link>http://ratcliffewealth.com/index.php/2008/10/09/the-origin-of-critical-illness-insurance/</link>
		<comments>http://ratcliffewealth.com/index.php/2008/10/09/the-origin-of-critical-illness-insurance/#comments</comments>
		<pubDate>Fri, 10 Oct 2008 04:52:06 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<category><![CDATA[Financial Planning]]></category>

		<category><![CDATA[Insurance]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[cancer]]></category>

		<category><![CDATA[Christiaan Barnard]]></category>

		<category><![CDATA[critical illness]]></category>

		<category><![CDATA[Edmonton]]></category>

		<category><![CDATA[financial hardship]]></category>

		<category><![CDATA[heart attack]]></category>

		<category><![CDATA[Marius Barnard]]></category>

		<category><![CDATA[stroke]]></category>

		<guid isPermaLink="false">http://ratcliffewealth.com/?p=106</guid>
		<description><![CDATA[The development of Critical Illness Insurance is an interesting story. Do you recall the name of Dr Christiaan Barnard? He led the team of surgeons who performed the world&#8217;s first human heart transplant in Cape Town, South Africa, in 1967. One of the members of the team was his brother, Dr Marius Barnard. Although the [...]]]></description>
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