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	<title>CN Finance; Chan &amp; Naylor Finance</title>
	<link>http://www.cnfinance.com.au/</link>
	<description>Chan &amp; Nayor Finance;C&amp;N Finance;cnfinance;investing;wealth for life; Wealth 4 Life;Ed Chan;Jenna Ford;Albertus Waldron;hybrid trust loans;loans for trusts;self managed super funds;control your super;finance strategies;wealth creation;investment portfolios;cash flow properties;using capital growth to build a property portfolio;chan &amp; naylor;hybrid trusts;family trusts;unit trusts;property investment;mortgage broker;private funds;banks loans;non bank lenders;mortgage managers;property investor trust; PIT; michael yardney;metropole;finance strategist</description>
	<lastBuildDate>Sun, 20 May 2012 20:01 +1000</lastBuildDate>
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		<title>New strategies for acquiring property in a difficult market</title>
		<description>The world of property ownership is changing. The Global Financial Crisis (GFC) and its aftermath have caused traditional methods of buying and selling the Australian home to come under scrutiny. The Australian public is proving increasingly receptive to new and less expensive strategies to buy and sell property.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=210&amp;nav_cat_id=133&amp;nav_top_id=58</link>
		<pubDate>Sun, 20 May 2012 20:12 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=210&amp;nav_cat_id=133&amp;nav_top_id=58</guid>
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	<item>
		<title>New strategies for acquiring property in a difficult market</title>
		<description>The world of property ownership is changing. The Global Financial Crisis (GFC) and its aftermath have caused traditional methods of buying and selling the Australian home to come under scrutiny. The Australian public is proving increasingly receptive to new and less expensive strategies to buy and sell property.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=210&amp;nav_cat_id=135&amp;nav_top_id=61</link>
		<pubDate>Sun, 20 May 2012 20:12 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=210&amp;nav_cat_id=135&amp;nav_top_id=61</guid>
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		<title>Property Location - is it the good, the bad or the downright ugly</title>
		<description>Statistics can be used to justify many locations as good investment property locations to buy in when, in fact, they might not give you, the investor, a favourable investment outcome.    Take the case of the Moranbah location  ...</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=209&amp;nav_cat_id=135&amp;nav_top_id=61</link>
		<pubDate>Tue, 24 Apr 2012 12:06 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=209&amp;nav_cat_id=135&amp;nav_top_id=61</guid>
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		<title>Rising Interest Rates!</title>
		<description>Stop Press - watch those interest rates rise!!&lt;BR&gt;Alert: If you have a loan application in process and have asked for a fixed rate product then check with your broker about locking that rate in. &lt;BR&gt;Fixed rates are nudging up.   Variable rates are increasing.    The Reserve Bank is keeping  the cash rate steady.  Politicians  are cross with the banks. What is going on you might be asking?   And how should investors and home owners with mortgages respond to all this?&lt;BR&gt;</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=208&amp;nav_cat_id=168&amp;nav_top_id=70</link>
		<pubDate>Sun, 12 Feb 2012 19:19 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=208&amp;nav_cat_id=168&amp;nav_top_id=70</guid>
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		<title>The Diamond Cutter - Lesson 2</title>
		<description>The Diamond Cutter is a best selling business book based on the wisdom of ancient Tibetan thinking as applied to everyday business problems and their real solutions. Our last newsletter introduced Business Problem 1 and its solution. This newsletter introduces a little of the theory behind these lessons and presents Business Problem 2 and its solution. Trust that it gives you food for thought.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=207&amp;nav_cat_id=141&amp;nav_top_id=59</link>
		<pubDate>Sun, 9 Oct 2011 17:28 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=207&amp;nav_cat_id=141&amp;nav_top_id=59</guid>
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		<title>Valuations Explained</title>
		<description>Once upon a time (pre GFC and not so long ago) the banking industry's main objective was to post big profits and they paid little attention to the risk of their borrowers defaulting and the possibility of them needing to repossess and then sell up the security property that was held as security for the loan.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=206&amp;nav_cat_id=141&amp;nav_top_id=59</link>
		<pubDate>Sun, 9 Oct 2011 17:20 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=206&amp;nav_cat_id=141&amp;nav_top_id=59</guid>
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		<title>Increase the value of your property</title>
		<description>Want to increase the value of your property including property you hold in your SMSF?</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=205&amp;nav_cat_id=141&amp;nav_top_id=59</link>
		<pubDate>Sun, 9 Oct 2011 16:46 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=205&amp;nav_cat_id=141&amp;nav_top_id=59</guid>
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		<title>6 Ways to improve your credit score</title>
		<description>Most lenders now credit score you when you apply for a loan.    Here are 6 tips for improving your credit score and your chances of a &#8220;yes&#8221; when you apply for your next loan&lt;BR&gt;</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=204&amp;nav_cat_id=133&amp;nav_top_id=58</link>
		<pubDate>Tue, 5 Jul 2011 18:43 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=204&amp;nav_cat_id=133&amp;nav_top_id=58</guid>
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		<title>The Diamond Cutter - lesson 1</title>
		<description>Over a million people around the world pause each day to consult parts from the popular business text, &quot;The Diamond Cutter&quot;.  They look for strategies for achieving their own financial, business and personal success.  In ten short years the book &#8211; which is based on an ancient Tibetan writing &#8211; has become a modern business classic, translated into more than 15 different languages and used to build billions of dollars of new business around the world.   &lt;BR&gt;&lt;BR&gt;</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=203&amp;nav_cat_id=133&amp;nav_top_id=58</link>
		<pubDate>Tue, 5 Jul 2011 16:07 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=203&amp;nav_cat_id=133&amp;nav_top_id=58</guid>
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		<title>Beware of Christmas Deadlines</title>
		<description>It&#8217;s approaching that silly season when we may be tempted to get as much as possible done BEFORE Christmas and the New Year.&lt;BR&gt;But wait!  So are many other people!   &lt;BR&gt;</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=201&amp;nav_cat_id=135&amp;nav_top_id=61</link>
		<pubDate>Wed, 10 Nov 2010 15:45 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=201&amp;nav_cat_id=135&amp;nav_top_id=61</guid>
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		<title>Clever Ways to Buy Investment Property In SMSF</title>
		<description>Get the latest in property hotspots and smart strategies  for investing in your SMSF.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=200&amp;nav_cat_id=165&amp;nav_top_id=65</link>
		<pubDate>Fri, 5 Nov 2010 18:29 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=200&amp;nav_cat_id=165&amp;nav_top_id=65</guid>
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		<title>To fix or not to fix &#8230; that is the question.    </title>
		<description>With the nose bleed high rates pre the recent global financial crisis still vivid in our minds there is much speculation in the marketplace about both when and by how much our interest rates will go up or how far it will rise in the next 2 years.   A worry for some!</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=199&amp;nav_cat_id=134&amp;nav_top_id=60</link>
		<pubDate>Wed, 13 Oct 2010 15:50 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=199&amp;nav_cat_id=134&amp;nav_top_id=60</guid>
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		<title>LOW DOC &#8211; New windows of opportunity!!   </title>
		<description>Is this the beginning of a thaw in the tighter credit rules that followed on from the Global Financial Crisis have placed quite a few investors with property portfolios under some stress and caused a number of them to sell down at least some of their properties where they could not obtain refinances without reducing their debt levels to the new and lower bank-acceptable LVR&#8217;s  (Loan to Value Ratio&#8217;s).</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=198&amp;nav_cat_id=150&amp;nav_top_id=59</link>
		<pubDate>Wed, 13 Oct 2010 14:56 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=198&amp;nav_cat_id=150&amp;nav_top_id=59</guid>
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		<title>Self Managed Super Fund Mail Out</title>
		<description>First Steps in borrowing in a Super Fund</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=194&amp;nav_cat_id=183&amp;nav_top_id=87</link>
		<pubDate>Mon, 28 Jun 2010 01:08 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=194&amp;nav_cat_id=183&amp;nav_top_id=87</guid>
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		<title>SMSF Borrowing Calculator</title>
		<description>Have you every wondered how much you could borrow if you decided to use your self managed super fund to purchase property. Well here is a simple calculator that cuts through the complication and gives you the answer.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=186&amp;nav_cat_id=177&amp;nav_top_id=72</link>
		<pubDate>Tue, 18 May 2010 13:17 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=186&amp;nav_cat_id=177&amp;nav_top_id=72</guid>
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		<title>Wealth Foundations - Credit 101</title>
		<description>Do you have trouble saving? &lt;BR&gt;Ever wondered why most budgets never seem to work?&lt;BR&gt;Do you know why your $2,000 credit card is costing you $4,000 a year?&lt;BR&gt;Where to start with debt reduction?&lt;BR&gt;Does living of equity still work? &lt;BR&gt;How do I get started in property renovation or development?&lt;BR&gt;Want to learn the secrets of the new rules of credit? &lt;BR&gt;How do I structure my property and wealth to minimise taxation?&lt;BR&gt;</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=165&amp;nav_cat_id=165&amp;nav_top_id=65</link>
		<pubDate>Tue, 1 Dec 2009 01:29 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=165&amp;nav_cat_id=165&amp;nav_top_id=65</guid>
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		<title>Low Doc - Private Funds</title>
		<description>Have a low doc loan that just doesn't fit the normal Bank rules?&lt;BR&gt;Chan &amp; Naylor Finance's Low Doc Private Funds could be the soloutions</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=163&amp;nav_cat_id=166&amp;nav_top_id=59</link>
		<pubDate>Thu, 19 Nov 2009 00:52 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=163&amp;nav_cat_id=166&amp;nav_top_id=59</guid>
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		<title>Top 10 Tips for Propert Investors and Renovators </title>
		<description>Thinking about renovating your investment property?&lt;BR&gt;Considering the investment in time sourcing the right property, loan and structure.&lt;BR&gt;Why wouldn't you do everything to protect the investment? &lt;BR&gt;Here is our expert Peter's top 10 tips to avoid renovation disaster.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=157&amp;nav_cat_id=161&amp;nav_top_id=73</link>
		<pubDate>Tue, 17 Nov 2009 00:23 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=157&amp;nav_cat_id=161&amp;nav_top_id=73</guid>
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		<title>The Benefits of Learning</title>
		<description>We all know that if you really want to achieve better results you need to take time to prepare ourselves for things ahead of time. For example we know that if we are going somewhere for the first time, to leave without directions or looking at a road map is going to result in getting lost along the way. Who needs the frustration?</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=155&amp;nav_cat_id=163&amp;nav_top_id=53</link>
		<pubDate>Mon, 16 Nov 2009 22:47 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=155&amp;nav_cat_id=163&amp;nav_top_id=53</guid>
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		<title>Chan &amp; Naylor Finance Property Investor Trust Loan</title>
		<description>Every been told by a broker or Bank that trust loans where just too hard?&lt;BR&gt;Struggling to get a low doc loan?&lt;BR&gt;Here the answer, Chan &amp; Naylor Finances very own wholesale funding backed Trust Loans.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=153&amp;nav_cat_id=141&amp;nav_top_id=59</link>
		<pubDate>Wed, 4 Nov 2009 08:05 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=153&amp;nav_cat_id=141&amp;nav_top_id=59</guid>
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		<title>Repayments Calculator</title>
		<description>Repayments Calculator - find out what your repayments will be depending on the loan amount, interest rate or term.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=152&amp;nav_cat_id=162&amp;nav_top_id=72</link>
		<pubDate>Tue, 3 Nov 2009 17:57 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=152&amp;nav_cat_id=162&amp;nav_top_id=72</guid>
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		<title>Should A Property Be Held In A Trust?</title>
		<description>Should A Property Be Held In A Trust?&lt;BR&gt;</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=150&amp;nav_cat_id=160&amp;nav_top_id=73</link>
		<pubDate>Thu, 29 Oct 2009 15:56 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=150&amp;nav_cat_id=160&amp;nav_top_id=73</guid>
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		<title>How To Structure your Trust the right way</title>
		<description>Structure your Trust the right way</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=149&amp;nav_cat_id=160&amp;nav_top_id=73</link>
		<pubDate>Thu, 29 Oct 2009 15:38 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=149&amp;nav_cat_id=160&amp;nav_top_id=73</guid>
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		<title>One House per Trust, or Multiple Ones?</title>
		<description>One House per Trust, or Multiple Ones?</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=148&amp;nav_cat_id=160&amp;nav_top_id=73</link>
		<pubDate>Thu, 29 Oct 2009 15:35 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=148&amp;nav_cat_id=160&amp;nav_top_id=73</guid>
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		<title>Your role in the Property Game</title>
		<description>Your role in the Property Game</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=147&amp;nav_cat_id=160&amp;nav_top_id=73</link>
		<pubDate>Thu, 29 Oct 2009 15:33 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=147&amp;nav_cat_id=160&amp;nav_top_id=73</guid>
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		<title>Should I sell my property?</title>
		<description>When should I sell my property? We put the question to Ed </description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=146&amp;nav_cat_id=160&amp;nav_top_id=73</link>
		<pubDate>Thu, 29 Oct 2009 15:20 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=146&amp;nav_cat_id=160&amp;nav_top_id=73</guid>
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		<title>Wealth Buffer Calculator</title>
		<description>Another &#8220;must have&#8221; calculator for the serious investor.   Use the tools that our finance strategists use in the back office to check the risk level of your finance strategies</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=137&amp;nav_cat_id=154&amp;nav_top_id=72</link>
		<pubDate>Mon, 19 Oct 2009 15:29 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=137&amp;nav_cat_id=154&amp;nav_top_id=72</guid>
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		<title>Funds To Complete Calculator</title>
		<description>Here&#8217;s a &#8220;must have&#8221; tool for your investors kit bag!    Free to you in this month&#8217;s newsletter - our in-house  Funds to Complete calculator.  Take a peek at what the strategists use</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=136&amp;nav_cat_id=153&amp;nav_top_id=72</link>
		<pubDate>Mon, 19 Oct 2009 15:24 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=136&amp;nav_cat_id=153&amp;nav_top_id=72</guid>
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		<title>Low Doc Loans- I'm not dead! - I'm getting better!</title>
		<description>It appears the reports of the death of Low Doc Loans may have been greatly exaggerated</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=133&amp;nav_cat_id=150&amp;nav_top_id=59</link>
		<pubDate>Mon, 19 Oct 2009 12:39 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=133&amp;nav_cat_id=150&amp;nav_top_id=59</guid>
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		<title>Claytons Fixed Loan</title>
		<description>Claytons Fixed Loan the fixed laon your having when your not having a fixed.</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=132&amp;nav_cat_id=176&amp;nav_top_id=73</link>
		<pubDate>Fri, 16 Oct 2009 17:51 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=132&amp;nav_cat_id=176&amp;nav_top_id=73</guid>
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		<title>Thank-you for joining our Website</title>
		<description>Find out how to use our website. We are sure that you will find the site, and its continual updating of benefit. Please email us with any suggestions or thoughts, by clicking the &quot;Contact Us&quot; tab on the</description>
		<link>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=88&amp;nav_cat_id=116&amp;nav_top_id=50</link>
		<pubDate>Fri, 14 Sep 2001 12:15 +1000</pubDate>
		<guid>http://www.cnfinance.com.au/html/s02_article/article_view.asp?article_id=88&amp;nav_cat_id=116&amp;nav_top_id=50</guid>
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