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      <image:title>FVI</image:title>
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  <url>
    <loc>https://www.financialvalue.ca/our-thoughts</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-05</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2025/9/15/mass-mental-exodus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2025/3/5/tariffs-we-simply-wont-get-along-with-you-around</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2024/10/2/old-cowboys-old-mistakes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/bb473411-ea43-401b-90bd-095fd8121fec/Screen+Shot+2024-10-02+at+12.02.57+PM.png</image:loc>
      <image:title>Our thoughts - ...RUN OUT THE LONG GUNS! - 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/v1/5c82c69577b903f546bcc4d9/8a92975c-2f27-4a63-9711-bd6396bcf13a/IMG_95E73498B92F-1.jpeg</image:loc>
      <image:title>Our thoughts - ...RUN OUT THE LONG GUNS! - 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.financialvalue.ca/our-thoughts/2024/4/25/the-tax-man-cometh</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-02</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2023/12/11/is-canada-good</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1702933102147-8MZTDFBE0I3AD7SOW6QD/global-debt-by-government-97-trillion.jpg</image:loc>
      <image:title>Our thoughts - Is Canada good? - A world of Debt</image:title>
      <image:caption>While Canada appears to have a huge amount of debt, it aligns with our ability to pay debts quite well, and leaves us in an enviable position as our economy continues to grow.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1702933101900-V7TOSKTDTGKGCXA0OH7G/global-economy-2023-1200px.jpg</image:loc>
      <image:title>Our thoughts - Is Canada good? - Small part of the globe, but still a major player.</image:title>
      <image:caption>With fewer than 28,000,000 tax payers, and a simple Debt/GDP ratio of 1.015x Canada is in a great spot to continue to borrow and grow. Compare this to the USA ratio of 1.27x and there is very little reason to believe that Canada is in any kind of financial trouble, despite what the media and politicians would have you believe.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1702933104459-J121QVRFYTDF6WTELF75/Hinrich-STI-Credit-Rankings_Infographic.jpg</image:loc>
      <image:title>Our thoughts - Is Canada good? - Can we pay our bills?</image:title>
      <image:caption>Canada has an excellent credit rating overall and as illustrated in these slides, it is easy to see why. Few households or businesses on earth would be capable of generating this kind of growth, considering revenue. Governments are not households, nor are they businesses. They are extremely complex organizms that we are attempting to break down into simple terms. Canada is in a good a spot as it has been in 3 decades at least. The stats don’t lie.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/7c44c546-f258-4a8d-8f0e-1d6ff556eb32/Healthcare-expenditure-per-capita-vs-life-expectancy-1200.png</image:loc>
      <image:title>Our thoughts - Is Canada good? - Make it stand out</image:title>
      <image:caption>I suppose if I had to choose, I would not choose to live in a country where I would die early and pass on crippling medical debt to my family. But that is just me.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/76550bdc-e8b3-4c25-88e9-afad372ec35b/canada2005.gif</image:loc>
      <image:title>Our thoughts - Is Canada good? - Make it stand out</image:title>
      <image:caption>While some of the players change over time, not much about this picture has changed in many decades. Will that last?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2023/10/3/if-you-dont-cpp-me-now-you-will-never-cpp-me-again</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/b5e1b130-634c-4506-9ba7-65d16ee7be71/Screen+Shot+2023-10-03+at+1.27.56+PM.png</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again... - 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/v1/5c82c69577b903f546bcc4d9/de9f77a8-93a5-48bd-844f-ee11923a6203/Screen+Shot+2023-10-03+at+1.55.40+PM.png</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again... - 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/v1/5c82c69577b903f546bcc4d9/3e5d27be-3ded-4d29-a445-0303e4ba1786/Worlds-100-Largest-Pension-Funds.jpg</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again... - Make it stand out</image:title>
      <image:caption>Source: Visual Capitalist</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/b96eb2ad-7bc4-449a-b664-eb648b2f21f4/Screen+Shot+2023-10-03+at+2.14.30+PM.png</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again... - 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/v1/5c82c69577b903f546bcc4d9/43b064c7-bf4c-4e40-a613-fe5b63da8d59/Screen+Shot+2023-10-03+at+2.22.54+PM.png</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again... - Make it stand out</image:title>
      <image:caption>Can I plug FVI for a moment? We compete returns wise with CPP and OTPP. We study them and try to copy what they are doing. Below are the average returns of CPP, OTPP and Financial Value’s overall portfolio. While your experience with us may differ, I can tell you, the investors who regularly spend time with us and are on top of their money are working at this level.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1696367698802-VT3XW5YXXJ34EP266C02/F58bZq4aoAAks8B.jpg</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again...</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1696367791991-T995X5T78MJYSS93A6OQ/Screen+Shot+2023-10-03+at+3.15.15+PM.png</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again...</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1696367793626-K84PPY7RG2WP848FMLWW/Screen+Shot+2023-10-03+at+3.16.06+PM.png</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again...</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1696367698818-3T93SX1EMGJALIXBBQ4C/F7Ys9bJaAAARb2f.jpg</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again...</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/6b1ff71f-b812-481c-ab75-c6819907ee10/Screen+Shot+2023-10-03+at+1.55.53+PM.png</image:loc>
      <image:title>Our thoughts - If you don't CPP me now, you will never CPP me again... - 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.financialvalue.ca/our-thoughts/2023/4/24/slow-is-smooth-smooth-is-fast</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/59c24f2d-d269-4349-9bb9-3bd3059916cf/Screenshot+2023-04-24+at+1.36.12+PM.png</image:loc>
      <image:title>Our thoughts - Slow is Smooth, Smooth is Fast. - Make it stand out</image:title>
      <image:caption>Please click the image above for a larger higher resolution copy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2022/11/22/fees-disclosure-and-what-is-best-for-all-partys</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-27</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2022/11/21/o5qsltgyqsxdikbf52xko5qczmq5cg</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-23</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2022/2/26/kv2qw831d8w7m8tvaoxmzco2jhmd4u</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/70f10905-a9e0-49e8-bafe-23fe3cdfb848/AF1CF96F-BC91-45CE-8107-EC8A289FE766.jpeg</image:loc>
      <image:title>Our thoughts - Is History a Crutch? - Make it stand out</image:title>
      <image:caption>A close look at historical stock market reactions to military events Although there is no certainty around a geopolitical conflict duration and its impact on the markets, historical data shows that, in most cases, markets recover in the following months. The chart below shows the S&amp;P 500 price variations during military events that have occurred since 1939. As we can see, 12 months after the start of each conflict, the markets had not only recovered, but also went up in nearly 75% of the cases: source</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1610729623039-JVTAAQTRONBSTEDPHN4I/IMG_1381+2.JPG</image:loc>
      <image:title>Our thoughts - Is History a Crutch? - 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.financialvalue.ca/our-thoughts/2021/9/28/imagine-being-100</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1633447208674-9YBIY84PEZWU90KJCOF9/nessie.JPG</image:loc>
      <image:title>Our thoughts - Imagine being 100! - Make it stand out</image:title>
      <image:caption>Shes out there. She might be watching you… right now!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2021/2/5/talking-about-ethics</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1612549465811-AJXK2JL10PG48LVMVV3L/cognitive-dissonance2.gif</image:loc>
      <image:title>Our thoughts - Talking About Ethics.</image:title>
      <image:caption>Cognitive dissonance refers to a situation involving conflicting attitudes, beliefs or behaviors. This produces a feeling of mental discomfort leading to an alteration in one of the attitudes, beliefs or behaviors to reduce the discomfort and restore balance. - Simple Psychology</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2021/1/13/new-year-new-same-old-same-old</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-01-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1610729623039-JVTAAQTRONBSTEDPHN4I/IMG_1381+2.JPG</image:loc>
      <image:title>Our thoughts - New year, New Same Old Same Old.</image:title>
      <image:caption>On the left, a reasonable assumption as to why someone would stop, drop and do something stupid. It is easy to pressure people into unnecessary action when there is stress. On the right, the reason why we should educate ourselves, and continue a rational discourse with experienced advisors, regardless of the level and severity of interesting things happening at any given moment.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2021/1/11/the-hype</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-01-15</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/9/30/the-last-cool-thing-you-will-ever-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/7/21/time-to-reset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-21</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/6/12/c19-update-the-best-worst-of-times</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-06-18</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/4/26/ir0cv6npqh8eay76btt5c3xhk35e3a</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1587927636955-XJUTIWJ6RUW9FXL5ML31/Presentation+stuff.001.jpeg</image:loc>
      <image:title>Our thoughts - We're Not All Bleeding.</image:title>
      <image:caption>We didn’t invent this strategy, we just suggest investors adhere to it as closely as possible.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/4/17/pay-attention-to-the-nickels-and-dimes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/4/6/april-3rd-2020-c-19-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-04-06</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/3/27/march-27th-2020-covid-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1585341419912-WGQRI10VHMFWTYSU1LDS/Lessons-from-Carret%25u2019s-The-Art-of-Speculation.jpg</image:loc>
      <image:title>Our thoughts - March 27th 2020 Covid update</image:title>
      <image:caption>Speculation ahead: Be Warned, this is an opinion.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1580419176018-HSVV70ABP8G12EC5AOCC/financial_value_inc_logo_300ppi.png</image:loc>
      <image:title>Our thoughts - March 27th 2020 Covid update</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/3/20/march-20th-2020-fvi-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1584727113894-VNUB9P53F71JATX1FGKA/Presentation+stuff.001.jpeg</image:loc>
      <image:title>Our thoughts - March 20th 2020 FVI Update</image:title>
      <image:caption>Avoid the Advice Chasm, stick to the program.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/3/11/pande-mania</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1583946882029-ER546DNBXE1MKQ3ERFLS/Screen+Shot+2020-03-11+at+11.08.47+AM.png</image:loc>
      <image:title>Our thoughts - Pande-Mania</image:title>
      <image:caption>Source: https://experience.arcgis.com/experience/685d0ace521648f8a5beeeee1b9125cd</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/2/26/february-24th-2020-coronavirus-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1582740415518-21KCRIUKNDT9N7FVTI7I/s%26p.png</image:loc>
      <image:title>Our thoughts - February 24th 2020 Coronavirus update</image:title>
      <image:caption>Dow Jones</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1582740522133-FKNZ8Z02WOG9EJ2CDUHT/flu.png</image:loc>
      <image:title>Our thoughts - February 24th 2020 Coronavirus update</image:title>
      <image:caption>Source</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1582740323353-6LME17ZFD8WZOWRKRECH/Picture1.png</image:loc>
      <image:title>Our thoughts - February 24th 2020 Coronavirus update</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1582740457142-RQTECIQQ8GM7RY370W0K/dow.png</image:loc>
      <image:title>Our thoughts - February 24th 2020 Coronavirus update</image:title>
      <image:caption>S&amp;P 500</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2020/1/30/january-2020-economic-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1580419176018-HSVV70ABP8G12EC5AOCC/financial_value_inc_logo_300ppi.png</image:loc>
      <image:title>Our thoughts - January 2020 Economic Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2019/11/5/take-take-take-fvi-economic-update-november-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-11-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1572974090619-6O5QGIJ1JNAUSV67J0WJ/Screen+Shot+2019-11-05+at+10.14.20+AM.png</image:loc>
      <image:title>Our thoughts - FVI Economic Update November 2019</image:title>
      <image:caption>*Past and present returns are not indicative of potential future performance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1572975517754-CNQT3TXX9X2I3CZ97K37/Screen+Shot+2019-11-05+at+10.38.07+AM.png</image:loc>
      <image:title>Our thoughts - FVI Economic Update November 2019</image:title>
      <image:caption>*Past and present returns are not indicative of potential future performance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2019/8/28/crowdfunding-conundrum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-09-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1567020083282-1NS3FXWE281CTXMVRLJH/financial_value_inc_logo_300ppi.png</image:loc>
      <image:title>Our thoughts - Crowdfunding Conundrum</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2019/8/20/august-20-2019-economic-update-language-matters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1566323897190-RKVPWJXYAZTCMAATUGOZ/Picture3.png</image:loc>
      <image:title>Our thoughts - August 20 2019 Economic update - Language Matters</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1566323108167-R4YMPA0YP1IWJMJEFNBR/financial_value_inc_logo_300ppi.png</image:loc>
      <image:title>Our thoughts - August 20 2019 Economic update - Language Matters</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1566323637694-JMZWNZA5M55Y5M15ZLOC/Picture1.png</image:loc>
      <image:title>Our thoughts - August 20 2019 Economic update - Language Matters</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1566323757910-QCKDEAT6C69YHUJXU5CH/Picture2.png</image:loc>
      <image:title>Our thoughts - August 20 2019 Economic update - Language Matters</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/our-thoughts/2019/8/19/financial-value-inc-blog-posting-disclaimer</loc>
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    <lastmod>2019-08-20</lastmod>
  </url>
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    <loc>https://www.financialvalue.ca/our-thoughts/category/politics</loc>
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    <loc>https://www.financialvalue.ca/our-thoughts/category/Economy</loc>
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      <image:title>Value</image:title>
      <image:caption>Some great quotes no one pays attention to: Price is what you pay. Value is what you get. We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful. Someone's sitting in the shade today because someone planted a tree a long time ago. Rule No.1: Never lose money. Rule No.2: Never forget rule No.1. Risk comes from not knowing what you're doing. It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently. It's far better to buy a wonderful company at a fair price than a fair company at a wonderful price. It's only when the tide goes out that you discover who's been swimming naked. Chains of habit are too light to be felt until they are too heavy to be broken. Our favourite holding period is forever.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1556741461594-USQDHK3QH57L5YAJH05O/Presentation+stuff.001.jpeg</image:loc>
      <image:title>Value</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c82c69577b903f546bcc4d9/1556753698004-KNVSH052J4PG1ZPLAHVU/Screen+Shot+2019-05-01+at+5.34.37+PM.png</image:loc>
      <image:title>Value</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/edmonton-bookings</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-11-06</lastmod>
  </url>
  <url>
    <loc>https://www.financialvalue.ca/calgary-bookings</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-03-11</lastmod>
  </url>
</urlset>

