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                <loc>https://themargin.news/event-contracts-canada</loc>
                <lastmod>2026-04-13T18:56:54+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/curly-haired-woman-under-clear-umbrella-holds-phone-looking-upwards.jpg?id=65514179&amp;width=1200</image:loc>                    <image:caption>In Canada, you&#39;re allowed to purchase event contracts based on environmental forecasts, like how much rain Vancouver will receive by the end of the year.</image:caption>                    <image:title>Curly-haired woman under clear umbrella holds phone, looking upwards</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/person-analyzes-stock-market-charts-on-a-smartphone.jpg?id=65514270&amp;width=1200</image:loc>                    <image:caption>You won&#39;t be allowed to bet on things like elections, wars, or crime in Canada.</image:caption>                    <image:title>Person analyzes stock market charts on a smartphone.</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/tfsa-vs-rrsp-canada</loc>
                <lastmod>2026-04-13T18:51:00+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/a-young-investor-checks-his-portfolio-on-his-computer-at-home.jpg?id=65403768&amp;width=1200</image:loc>                    <image:caption>For many young Canadians, the RRSP is still the default – but that may be changing.</image:caption>                    <image:title>A young investor checks his portfolio on his computer at home</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/revenge-spending</loc>
                <lastmod>2026-04-13T18:50:39+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/the-bag-says-what-your-bank-balance-has-been-trying-to-tell-you-for-months-federico-abis-pexels.png?id=65477421&amp;width=1200</image:loc>                    <image:caption>The bag says what your bank balance has been trying to tell you for months. / Federico Abis / Pexels</image:caption>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/indecent-proposal-2026</loc>
                <lastmod>2026-04-13T17:17:26+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/robert-redford-and-demi-moore-intently-face-each-other-at-a-casino-table.jpg?id=65513535&amp;width=1200</image:loc>                    <image:caption>Robert Redford and Demi Moore in 1993&#39;s Indecent Proposal. A million bucks used to mean something.</image:caption>                    <image:title>Robert Redford and Demi Moore intently face each other at a casino table </image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/construction-site-silhouette-at-sunset-wood-framed-house-palm-trees-ocean-view-and-a-tractor.png?id=65301530&amp;width=1200</image:loc>                    <image:caption>A house that Roger Ebert described as &#34;so architecturally undistinguished that the filmmakers should have ordered another one.\u201d</image:caption>                    <image:title>Construction site silhouette at sunset: wood-framed house, palm trees, ocean view, and a tractor</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/overhead-view-of-two-people-placing-casino-chips-on-a-blue-betting-table-at-a-vegas-casino.png?id=65301514&amp;width=1200</image:loc>                    <image:caption>When you&#39;ve lost all your money to your &#34;dream,&#34; Vegas is clearly the best option.</image:caption>                    <image:title>Overhead view of two people placing casino chips on a blue betting table at a Vegas casino.</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/robert-redford-smiling-in-a-dark-suit-and-tie.png?id=65301513&amp;width=1200</image:loc>                    <image:caption>Who could resist, especially with that smile?</image:caption>                    <image:title>Robert Redford smiling in a dark suit and tie</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/woody-harrelson-drawing-architectural-plans-on-paper-taped-to-a-bathroom-wall.png?id=65301512&amp;width=1200</image:loc>                    <image:caption>David, trying to figure out why they&#39;re losing so much money on his &#34;dream.&#34;</image:caption>                    <image:title>Woody Harrelson drawing architectural plans on paper taped to a bathroom wall</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/canadian-dream-let-go-homeownership</loc>
                <lastmod>2026-04-13T15:32:59+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/red-for-sale-sign-in-foreground-yellow-house-blurred-in-background.jpg?id=65513641&amp;width=1200</image:loc>                    <image:caption>For sale: Canadian dream, never worn.</image:caption>                    <image:title>Red For Sale sign in foreground, yellow house blurred in background</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/smiling-woman-in-her-paris-kitchen-with-tulips-pastry-flanked-by-her-apartment-rooms-with-city-views.jpg?id=65476696&amp;width=1200</image:loc>                    <image:caption>April Pett prefers the &#34;romantic&#34; attitudes of Paris, where she&#39;s lived for the past 12 years.</image:caption>                    <image:title>Smiling woman in her Paris kitchen with tulips &amp; pastry, flanked by her apartment rooms with city views</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/expansive-blue-aerial-view-of-tokyo-a-dense-metropolis-with-skyscrapers-a-river-and-bridges.jpg?id=65354326&amp;width=1200</image:loc>                    <image:caption>Tokyo rents can be steep, but moving to the suburbs is generally more affordable than it is in Canada.</image:caption>                    <image:title>Expansive blue aerial view of Tokyo, a dense metropolis with skyscrapers, a river, and bridges</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/smiling-man-in-a-bright-modern-living-room-with-a-balcony-view-of-vienna.jpg?id=65476701&amp;width=1200</image:loc>                    <image:caption>Martin enjoys living in Vienna, which he describes as &#34;a very chill place.&#34;</image:caption>                    <image:title>Smiling man in a bright, modern living room with a balcony view of Vienna</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/family-cottage-inheriting-capital-gains</loc>
                <lastmod>2026-04-13T15:25:49+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/blue-house-reflected-in-a-lake-against-a-grayscale-forest.png?id=65294581&amp;width=1200</image:loc>                    <image:caption>Maintenance costs, capital gains taxes, and more – maybe leaving the family cottage to your kids isn&#39;t the right move.</image:caption>                    <image:title>Blue house reflected in a lake, against a grayscale forest</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/lakefront-home-with-rustic-exterior-renovated-modern-kitchen-and-spacious-living-area.png?id=65513610&amp;width=1200</image:loc>                    <image:caption>Andrew Harkness co-owns the family cottage with his parents, who will leave their share to Andrew&#39;s children.</image:caption>                    <image:title>Lakefront home with rustic exterior, renovated modern kitchen, and spacious living area</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/fixer-upper-renovation-costs-canada</loc>
                <lastmod>2026-04-13T14:50:18+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/room-under-renovation-exposed-brick-wall-ladder-paint-buckets-and-building-materials.jpg?id=65498699&amp;width=1200</image:loc>                    <image:caption>Renovation costs are rising, and home buyers are less willing to pay up for properties that need work.</image:caption>                    <image:title>Room under renovation, exposed brick wall, ladder, paint buckets, and building materials.</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/resp-benefits-education</loc>
                <lastmod>2026-04-13T14:49:41+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/proud-older-woman-affectionately-holds-the-face-of-a-smiling-graduate-in-cap-and-gown.jpg?id=65486568&amp;width=1200</image:loc>                    <image:caption>An RESP is worth considering for parents saving for their children’s post-secondary education.</image:caption>                    <image:title>Proud older woman affectionately holds the face of a smiling graduate in cap and gown</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/immigrant-financial-trauma-canada</loc>
                <lastmod>2026-04-13T14:23:44+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/a-south-asian-couple-reviews-finances-together-at-a-home-desk.jpg?id=65407017&amp;width=1200</image:loc>                    <image:caption>For many second-generation Canadians, the impulse to check every number twice isn&#39;t a personality trait. It&#39;s an inheritance.</image:caption>                    <image:title>A South Asian couple reviews finances together at a home desk</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/working-with-long-covid</loc>
                <lastmod>2026-04-13T13:58:23+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/an-empty-wheelchair-crutches-and-a-walking-stick-in-a-cozy-plant-filled-room.jpg?id=65453150&amp;width=1200</image:loc>                    <image:caption>The work needed to afford future care is the same work making that care more urgent.</image:caption>                    <image:title>An empty wheelchair, crutches, and a walking stick in a cozy, plant-filled room</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/close-up-of-a-vehicle-s-fuel-gauge-with-the-red-needle-pointing-to-e-for-empty-indicating-low-fuel.jpg?id=65453249&amp;width=1200</image:loc>                    <image:caption>Working through chronic illness to save for future care means spending energy you don&#39;t have to earn money that won&#39;t be enough.</image:caption>                    <image:title>Close-up of a vehicle&#39;s fuel gauge with the red needle pointing to E for Empty, indicating low fuel</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/pink-piggy-bank-shattering-into-pieces-coins-flying-out-against-a-dark-background.jpg?id=65453292&amp;width=1200</image:loc>                    <image:caption>When chronic illness limits how much you can work, saving for future care becomes mathematically impossible.</image:caption>                    <image:title>Pink piggy bank shattering into pieces, coins flying out against a dark background</image:title>                </image:image>
                                <image:image>
                    <image:loc>https://themargin.news/media-library/gold-ouroboros-snake-ring-biting-its-tail-blurred-watch-and-strap-in-background.jpg?id=65453761&amp;width=1200</image:loc>                    <image:caption>The body you&#39;re breaking to earn money is the same body you&#39;ll need money to care for.</image:caption>                    <image:title>Gold Ouroboros snake ring biting its tail, blurred watch and strap in background</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/investing-for-freelancers-canada</loc>
                <lastmod>2026-04-13T13:49:48+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/a-delivery-person-carries-a-large-food-transportation-bag-on-their-back.jpg?id=65403783&amp;width=1200</image:loc>                    <image:caption>When your income fluctuates month to month, you need a different investing strategy from those with regular paycheques.</image:caption>                    <image:title>A delivery person carries a large food transportation bag on their back</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/last-minute-flights-airline-algorithms</loc>
                <lastmod>2026-04-13T13:05:31+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/a-man-at-the-airport-stares-out-the-window-at-the-airplanes.jpg?id=65403831&amp;width=1200</image:loc>                    <image:caption>The algorithm knows you&#39;re desperate before you do – but it does have a weakness.</image:caption>                    <image:title>A man at the airport stares out the window at the airplanes</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/ai-retail-trading-canada</loc>
                <lastmod>2026-04-13T13:05:01+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/the-margin-logo-with-a-distinctive-dot-on-the-i.jpg?id=65407181&amp;width=1200</image:loc>                    <image:caption>The Margin logo with a distinctive dot on the &#39;i&#39;.</image:caption>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/etf-explained</loc>
                <lastmod>2026-04-13T12:52:21+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/digital-screen-showing-financial-data-with-green-and-red-numbers.jpg?id=65476556&amp;width=1200</image:loc>                    <image:title>Digital screen showing financial data with green and red numbers.</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/cash-account-investing</loc>
                <lastmod>2026-04-13T12:52:04+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/laptop-screen-displaying-stock-market-charts-with-candlestick-and-line-graphs.jpg?id=65486520&amp;width=1200</image:loc>                    <image:caption>A cash account is worth considering for investors who have maxed out their registered accounts.</image:caption>                    <image:title>Laptop screen displaying stock market charts with candlestick and line graphs.</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/margin-account-guide</loc>
                <lastmod>2026-04-13T12:50:19+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/person-analyzing-stock-charts-on-a-laptop-at-a-business-meeting.jpg?id=65486362&amp;width=1200</image:loc>                    <image:caption>A margin account lets you borrow money from your brokerage to increase your purchasing power.</image:caption>                    <image:title>Person analyzing stock charts on a laptop at a business meeting</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/rrsp-reduce-taxes-grow-retirement</loc>
                <lastmod>2026-04-13T12:49:59+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/elderly-man-in-glasses-reviewing-bills-at-a-table-with-a-laptop-and-coffee-cup.jpg?id=65486432&amp;width=1200</image:loc>                    <image:caption>An RRSP reduces your taxable income when you contribute and grows tax-free until it&#39;s withdrawn.</image:caption>                    <image:title>Elderly man in glasses reviewing bills at a table with a laptop and coffee cup</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/fhsa-first-home-guide</loc>
                <lastmod>2026-04-13T12:49:44+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/a-hand-holds-a-keyring-with-a-bright-green-key-and-a-house-shaped-charm.png?id=65499828&amp;width=1200</image:loc>                    <image:caption>With an FHSA, contributions are tax-deductible, and any growth in the account is tax-free, as long as the funds are eventually used for purchasing a home.</image:caption>                    <image:title>A hand holds a keyring with a bright green key and a house-shaped charm</image:title>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/limit-order-what-is-it</loc>
                <lastmod>2026-04-13T12:49:13+00:00</lastmod>
                                                <image:image>
                    <image:loc>https://themargin.news/media-library/a-limit-order-lets-you-set-the-exact-price-you-re-willing-to-buy-or-sell-at.jpg?id=65499256&amp;width=1200</image:loc>                    <image:caption>A limit order lets you set the exact price you&#39;re willing to buy or sell at.</image:caption>                </image:image>
                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/contact-us</loc>
                <lastmod>2026-04-10T16:19:38+00:00</lastmod>
                                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/terms-of-use</loc>
                <lastmod>2026-04-09T19:03:02+00:00</lastmod>
                                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/about</loc>
                <lastmod>2026-04-07T19:12:15+00:00</lastmod>
                                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/privacy-policy</loc>
                <lastmod>2026-03-31T17:28:36+00:00</lastmod>
                                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/editorial-team</loc>
                <lastmod>2026-03-13T08:27:35+00:00</lastmod>
                                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/newsletter</loc>
                <lastmod>2026-03-13T07:32:44+00:00</lastmod>
                                                <changefreq>daily</changefreq>            </url>
            <url>
                <loc>https://themargin.news/cookie-policy</loc>
                <lastmod>2026-03-13T07:31:25+00:00</lastmod>
                                                <changefreq>daily</changefreq>            </url>
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