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    <title>Commentaries: Newfoundland &amp; Labrador</title>
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    <description>www.cfib-fcei.ca — Commentaries: Newfoundland &amp; Labrador</description>
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    <lastBuildDate>Mon, 20 May 2013 16:27:45 GMT</lastBuildDate>
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      <link>www.cfib-fcei.ca — Commentaries: Newfoundland &amp; Labrador</link>
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    <item>
      <title>CPP/QPP increases? All signs point to trouble</title>
      <link>http://www.cfib-fcei.ca/english/article/5157-cpp-qpp-increases-all-signs-point-to-trouble.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 06 May 2013 04:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a5157e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Late last year, federal and provincial finance ministers met to discuss plans to expand the Canada and Quebec Pension Plans (CPP and QPP). This discussion was largely lost in the pre-Christmas buzz, but holds massive implications for entrepreneurs and working Canadians.]]></description>
    </item>
    <item>
      <title>Special to the Financial Post, Canada’s Red Tape Report with U.S. comparisons, by Laura Jones</title>
      <link>http://www.cfib-fcei.ca/english/article/4790-canada-s-red-tape-report-with-u-s-comparisons.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 21 Jan 2013 12:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4790e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[CFIB started an annual Red Tape Awareness Week four years ago to raise awareness about the impact of red tape and to encourage governments to take action. This year we kick off the week by releasing groundbreaking research, made possible with the support of KPMG Enterprise, comparing regulatory costs in Canada and the U.S.]]></description>
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    <item>
      <title>It’s time to think about succession planning</title>
      <link>http://www.cfib-fcei.ca/english/article/4725-it-s-time-to-think-about-succession-planning.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 03 Dec 2012 05:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4725e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[If you’re going to write a history of the twentieth century, you pretty much have to mention the tremendous impact of the Baby Boomers. Everything from popular music to politics to the various entitlements governments offer our citizens were greatly influenced by the generation that grew up on Captain Kangaroo and the Beatles. ]]></description>
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    <item>
      <title>Federal public sector pension reforms are a good start, but we need to do more – and fast</title>
      <link>http://www.cfib-fcei.ca/english/article/4595-federal-public-sector-pension-reforms-are-a-good-start.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 05 Nov 2012 05:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4595e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Take a minute and ask yourself a tough question: have you started to save any money for your retirement? ]]></description>
    </item>
    <item>
      <title>Ottawa red-tape reforms show real commitment</title>
      <link>http://www.cfib-fcei.ca/english/article/3702-ottawa-red-tape-reforms-show-real-commitment.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Tue, 02 Oct 2012 04:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a3702e</guid>
      <category>Regional columns</category>
      <subject>Commentaries</subject>
      <description><![CDATA[When Prime Minister Stephen Harper announced the Red Tape Reduction Commission in 2011, he accurately described red tape as a “silent killer of jobs.” Treasury Board President Tony Clement has released the government’s response to the commission’s recommendations, labelling it the Red Tape Action Plan.]]></description>
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      <title>Local entrepreneurs are building Africa from the ground up</title>
      <link>http://www.cfib-fcei.ca/english/article/4494-local-entrepreneurs-are-building-africa-from-the-ground-up.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 01 Oct 2012 04:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4494e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[A few weeks ago, I had the opportunity to participate in the International Small Business Congress (ISBC) in Johannesburg.  The Canadian Federation of Independent Business (CFIB) was a founding member of ISBC and we have attended all of its 37 congresses.  This one was a bit different as it was held for the first time in Africa. We’re really proud of that.]]></description>
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    <item>
      <title>Shop small and locally to make a big difference</title>
      <link>http://www.cfib-fcei.ca/english/article/4404-small-business-saturday-in-canada-shop-small-and-locally-to-make-a-big-difference.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Thu, 13 Sep 2012 18:30:00 GMT</pubDate>
      <guid>http://cfib.ca/a4404e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Canada would find itself in a lot of trouble without hard-working entrepreneurs, but it isn’t easy to go into business for yourself. ]]></description>
    </item>
    <item>
      <title>David beats Goliath: Small Business and the Credit Card Industry</title>
      <link>http://www.cfib-fcei.ca/english/article/4331-david-beats-goliath-small-business-and-the-credit-card-industry.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Tue, 07 Aug 2012 04:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4331e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Every time you buy something with a credit card, it costs the merchant. Regular credit cards usually cost small business just under two per cent, while some “premium” cards like Visa Infinite or MasterCard World Elite are even higher.]]></description>
    </item>
    <item>
      <title>Four shameful days</title>
      <link>http://www.cfib-fcei.ca/english/article/4302-labour-changes-in-newfoundland-and-labrador.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Sat, 14 Jul 2012 04:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4302e</guid>
      <category>Regional columns</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Four days. That’s all it took to bring in some big labour changes that will have an enormous and rippling effect on the business community.]]></description>
    </item>
    <item>
      <title>Catherine Swift leaves incredibly big shoes to fill</title>
      <link>http://www.cfib-fcei.ca/english/article/4227-catherine-swift-leaves-incredibly-big-shoes-to-fill.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 09 Jul 2012 20:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4227e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[It’s never easy to follow a dynamic leader, let alone two living legends; believe me, I know.  As I settle into my new role as President and CEO of the Canadian Federation of Independent Business (CFIB), I’m more than a little intimidated by the legacy that I’ve inherited.]]></description>
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      <title>Work needed to find an employment insurance solution</title>
      <link>http://www.cfib-fcei.ca/english/article/4127-employment-insurance-solution-needed-in-nl.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 18 Jun 2012 04:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4127e</guid>
      <category>Regional columns</category>
      <subject>Commentaries</subject>
      <description><![CDATA[There aren't many issues that get Atlantic Canadians talking like employment insurance
(EI). And, true to form, things have reached a fever pitch since the federal government
released some details around future changes to the system.
]]></description>
    </item>
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      <title>There are no bad jobs</title>
      <link>http://www.cfib-fcei.ca/english/article/4123-there-are-no-bad-jobs.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 04 Jun 2012 04:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a4123e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Over the past few weeks, editorial columns, news reports and talk radio segments were filled with discussions about “bad” jobs and the prospect for massive changes to the Employment Insurance (EI) system in Canada.  Union leaders were lighting their hair on fire again, predicting Canadians would be forced to abandon their lifelong careers and pursue dead-end employment as EI benefits were cut.]]></description>
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      <title>Time for public sector to get real</title>
      <link>http://www.cfib-fcei.ca/english/article/2059-time-for-public-sector-to-get-real.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Wed, 01 Sep 2010 15:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a2059e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[The first response of the Ontario public sector unions to an extremely polite request from Finance Minister Dwight Duncan to contemplate a two-year wage freeze is, basically - take a hike!
What a surprise! Did the Ontario Finance Minister really expect public-sector union leaders riding the gravy train to come to the table in good faith?]]></description>
    </item>
    <item>
      <title>Flaherty draft isn't yet a gift; Credit, debit card industries have not signed on</title>
      <link>http://www.cfib-fcei.ca/english/article/1511-credit-debit-card-industries-have-not-signed-on.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Mon, 07 Dec 2009 05:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a1511e</guid>
      <category>Financial Post</category>
      <subject>Commentaries</subject>
      <description><![CDATA[In addition to selling the gifts that will be exchanged this Christmas, it looks as if Canadian merchants are about to receive a big present themselves, with help from the Finance Minister.]]></description>
    </item>
    <item>
      <title>Doing business in today’s economy</title>
      <link>http://www.cfib-fcei.ca/english/article/410-doing-business-in-today-s-economy.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 23:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a410e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Small business owners by their very nature are resilient and tough-minded, but, to ensure your ability to respond effectively and recover as quickly as possible to any factors that may affect your business, proper planning and preparations on how to deal with demanding times need to be taken. ]]></description>
    </item>
    <item>
      <title>Cash is king</title>
      <link>http://www.cfib-fcei.ca/english/article/411-cash-is-king.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 22:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a411e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Cash is the lifeblood of any business and matters more than earnings. As the saying goes, “profits are an opinion, but cash is a fact.” More and more, bankers, investors and advisory professionals focus on the often ignored cash flow statement. ]]></description>
    </item>
    <item>
      <title>Evaluate customers and suppliers</title>
      <link>http://www.cfib-fcei.ca/english/article/412-evaluate-customers-and-suppliers.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 21:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a412e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[The recent challenges in credit markets as well as a general economic downturn have put increased pressure on the purchasing power and credit-worthiness of customers while at the same time resulting in a tightening of credit terms and product availability from suppliers.]]></description>
    </item>
    <item>
      <title>Get smarter on tax</title>
      <link>http://www.cfib-fcei.ca/english/article/428-get-smarter-on-tax.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 20:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a428e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Tax, in its various forms, is usually one of the biggest costs for a business, and you need to look carefully at how to manage that cost and cash flows.]]></description>
    </item>
    <item>
      <title>Reconsider capital investment plans</title>
      <link>http://www.cfib-fcei.ca/english/article/430-reconsider-capital-investment-plans.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 19:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a430e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Investing in new assets in a downturn can bleed you of cash when you need it most. Carefully consider your capital investment plans and question the proposed value and timing. 
]]></description>
    </item>
    <item>
      <title>Get closer to your bank</title>
      <link>http://www.cfib-fcei.ca/english/article/431-get-closer-to-your-bank.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 18:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a431e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[Given the current state of the credit markets, banks will be a lot more cautious and concerned about credit quality. As a result, they will need greater persuasion to lend you money when you need it.]]></description>
    </item>
    <item>
      <title>Consider your financing options</title>
      <link>http://www.cfib-fcei.ca/english/article/432-consider-your-financing-options.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 17:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a432e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[What happens if you’re having issues with your bank? This can result in a severe restriction in your borrowing capacity, or worse, pulling your financing facilities all together. With what’s happened in the financing environment, it’s not as easy as it used to be to simply secure an alternative source of capital.]]></description>
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    <item>
      <title>Keep an eye out for bargains</title>
      <link>http://www.cfib-fcei.ca/english/article/433-keep-an-eye-out-for-bargains.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 16:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a433e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[As lending markets contract, some companies will have or anticipate having liquidity problems. A number of these companies will consider a sale transaction as a viable option. It could be a need to preserve personal wealth, the real or perceived lack of alternatives, or a lack of confidence in a recovery. ]]></description>
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      <title>Worst case scenario</title>
      <link>http://www.cfib-fcei.ca/english/article/434-worst-case-scenario.html</link>
      <author>www.cfib-fcei.ca</author>
      <pubDate>Fri, 12 Jun 2009 15:00:00 GMT</pubDate>
      <guid>http://cfib.ca/a434e</guid>
      <category>Small business 101</category>
      <subject>Commentaries</subject>
      <description><![CDATA[You’ve taken a hard look at your business and stress-tested sales assumptions, but your fixed costs are such that even break-even cash flows are based on certain levels of revenue. Your balance sheet is highly leveraged relative to your competitors. Your future is uncertain and trade credit is contracting.]]></description>
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