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  <title>ROR Sitemap for http://www.retailinvestor.org/</title>
  <link>http://www.retailinvestor.org/</link>

<item>
     <link>http://www.retailinvestor.org/</link>
     <title>Retail Investor .org : a how-to manual - Investor Education</title>
     <description>A how-to manual for retail investors.  Procedures, forms and spreadsheets.  Investor education for advanced investors.</description>
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<item>
     <link>http://www.retailinvestor.org/truths.html</link>
     <title>Retail Investor .org : Understanding changes to Owners' Equity - Investor Education</title>
     <description>Retail Investor Education : Understanding changes to Owners' Equity.  Debunking common investing 'truths' regarding dilution, buy-backs, dividends, options, diluted EPS, advisors' advice</description>
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     <ror:sortOrder>1</ror:sortOrder>
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<item>
     <link>http://www.retailinvestor.org/earnings.html</link>
     <title>Retail Investor .org : How To Measure Correct Net Income (EPS) that is Comprehensive</title>
     <description>How to measure a Net Income that is comprehensive and 'per share'.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>1</ror:sortOrder>
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<item>
     <link>http://www.retailinvestor.org/why.html</link>
     <title>Retail Investor .org : Why You Want To Make Your Own Investing Decisions - Investor Education</title>
     <description>Why you should make your own investing decisions.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>1</ror:sortOrder>
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<item>
     <link>http://www.retailinvestor.org/index.html</link>
     <title>Retail Investor .org : a how-to manual - Investor Education</title>
     <description>A how-to manual for retail investors.  Procedures, forms and spreadsheets.  Investor education for advanced investors.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>1</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/tablecontents.html</link>
     <title>Retail Investor .org: Investor Education Table of Contents</title>
     <description>Retail Investor Education: a how-to manual of procedures, forms and spreadsheets.  Practical truths and understanding.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>1</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/DivPaySalary.html</link>
     <title>Retail Investor .org : How companies pay Dividends to replace Salary - Investor Education</title>
     <description>Investor education:  Salary costs can be hidden when paid with dividends.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/cashtruths.html</link>
     <title>Retail Investor .org :'Truths that Aren't' about Cash Flows - Investor Education</title>
     <description>Retail Investor Education - Why cash flow does not measure income.  Why non-cash expenses matter.  Why does depreciation matter</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/leverage.html</link>
     <title>Retail Investor .org : How to Use Leverage and Measure Its Effect</title>
     <description>How to calculate leverage effects and predict returns: within stocks, options, futures.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/PVdollar.html</link>
     <title>Retail Investor .org : Math examples using PV of a dollar calculations</title>
     <description>Math example using Present Value of a Dollar calculations.</description>
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     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/tracking.html</link>
     <title>Retail Investor .org : How To Keep Track Of Your Stock Portfolio Performance and Savings - Investor Education</title>
     <description>Retail Investor Education - how to keep track of your investing performance : weekly, monthly, yearly, lifetime</description>
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     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/ponzi.html</link>
     <title>Retail Investor .org : What is a Ponzi Scheme - Investor Education</title>
     <description>Retail Investor Education - What is a Ponzi scheme?</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/dataseries.html</link>
     <title>Retail Investor .org : Financial And Economic Historical Data Series for Canada and U.S.</title>
     <description>Financial And Economic Historical Data Series for Canada and U.S.:  Stock Market Returns, Bond and T-bill Interest and Inflation</description>
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     <ror:sortOrder>2</ror:sortOrder>
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<item>
     <link>http://www.retailinvestor.org/metrics.html</link>
     <title>Retail Investor .org : How to Use Financial Ratios and Valuation Metrics for Analysing and Picking Stocks</title>
     <description>How to use financial ratios and valuation metrics for analysing and picking stocks.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/risk.html</link>
     <title>Retail Investor .org : Investment Risks - Investor Education</title>
     <description>Retail Investor Education - Investment Risks: their sources, their measurement and how to hedge them</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/emotion.html</link>
     <title>Retail Investor .org :Emotions Destroy Investing Returns - Investor Education</title>
     <description>How to control your emotions that destroy investing returns.  Practical tips for staying the course.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/retire.html</link>
     <title>Retail Investor .org : Do You Have Enough To Retire - Investor Education</title>
     <description>Retail Investor Education - Calculate how much you need to retire. Unknown factors.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/obsi.pdf</link>
     <title></title>
     
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/saving.html</link>
     <title>Retail Investor .org : How and Why to Save - Investor Education</title>
     <description>Saving - how and why</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/return.html</link>
     <title>Retail Investor .org : How to Measure The Rate of Return for Different Investments - Investor Education</title>
     <description>How to understand, measure and compare the rate of return on different investments </description>
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     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/next.html</link>
     <title>Retail Investor .org : How To Pick a Stock Investing Strategy That Suits You - Investor Education</title>
     <description>How to pick a stock investing strategy that suits you.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/tools.html</link>
     <title>Retail Investor .org : Tools and Training Required for Successful Stock Picking - Investor Education</title>
     <description>Retail Investor .org : Tools and Training Required for Successful Stock Picking</description>
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     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/beauty.html</link>
     <title>Retail Investor .org : the Beauty Pageant Analogy - Investor Education</title>
     <description>The Beauty Pageant Analogy to Stock Investing</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/facts.html</link>
     <title>Retail Investor .org : How To Gather Facts for Stock Picking - Investor Education</title>
     <description>Retail Investor Education - How to gather and document data for stock picking and anlysis.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/stockscreen.html</link>
     <title>Retail Investor .org : portfolio selection using stock screening</title>
     <description>Portfolio selection using stock screening.  Evaluate the risks, differences between capitalization size, which metrics</description>
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     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/valuemetrics.html</link>
     <title>Retail Investor .org : Valuation Metrics for stock selection - investor education</title>
     <description>Valuation metrics for stock selection.  Pros and cons regarding P/E, PEG, Price to book, Price to sales, Dividend yield.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/growth.html</link>
     <title>Retail Investor .org : Predicting Growth - investor education</title>
     <description>How to evaluate past company growth to predict future growth rates</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/cash.html</link>
     <title>Retail Investor .org : What is Cash Flow From Operations: Investor Education</title>
     <description>Retail Investor Education - What is cash flow from operations (CFFO) and what does it measure?.</description>
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     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/discountcash.html</link>
     <title>Retail Investor .org : Valuing Stocks Using the Discounted Cash Flow (DCF) Model - Investor Education</title>
     <description>Retail Investor Education - How to value stocks using the Disounted Cash Flow (DCF) model.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/distribute.html</link>
     <title>Retail Investor .org : How Income Trusts Distribute More than they Earn - Investor Education</title>
     <description>Retail Investor Education - How income trust distribute more than they earn.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/diebroke.html</link>
     <title>Retail Investor .org : How to Die Broke - Investor Education</title>
     <description>Retail Investor Education - How to die broke.  The difference between a return of capital and income.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/RRSPmodel.html</link>
     <title>Retail Investor .org : Understand How the RRSP Model Works - Investor Education</title>
     <description>Retail Investor Education - Understand how the RRSP model works: what is its purpose, unknowns, effects of changing tax rates, comparison to TFSA.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/rrsp.html</link>
     <title>Retail Investor .org : Should you borrow for your RRSP - Investor Education</title>
     <description>Retail Investor Education - Should you borrow for an RRSP contribution?</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/options.html</link>
     <title>Retail Investor .org : How to Value Stock Options, and What Strategies To Use: Investor Education</title>
     <description>Retail Investor Education - How to Value Stock Options, and What Strategies To Use</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/preferreds.html</link>
     <title>Retail Investor .org : Preferred Shares - What They Are and How They Work - Investor Education</title>
     <description>Retail investor education : Preferred shares - what they are and how they work.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/realestate.html</link>
     <title>Retail Investor .org : How To Value Real Estate, And Calculate Its Expected Returns - Investor Education</title>
     <description>Retail Investor Education - How to value real estate and calculate its expected returns.  Operating returns vs. capital gains.  Leaseholds.  How to consider the effects of debt.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/hedge.html</link>
     <title>Retail Investor .org : How to hedge foreign currency exposure</title>
     <description>How to hedge foreign currency exposure.  Why hedge. Methods and tools.</description>
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     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/spreadsheets.html</link>
     <title>Retail Investor .org: Spreadsheets for Financial Decisions - investor education</title>
     <description>A how-to manual for retail investors.  Procedures, forms and spreadsheets.  Practical truths and understanding.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/contacts.html</link>
     <title>Retail Investor .org: a how-to manual for investing</title>
     <description>A how-to manual for retail investors.  Procedures, forms and spreadsheets.  Practical truths and understanding.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/activism.html</link>
     <title>Retail Investor .org : Shareholder activism </title>
     <description>A how-to manual for retail investors.  Procedures, forms and spreadsheets.  Practical truths and understanding.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>2</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/globe.htm</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/optioninterest.html</link>
     <title>Retail Investor .org : How to calculate the interest rate implicit in options when used for leverage</title>
     <description>How to calculate the interest rate implicit in options.</description>
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>3</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/PVannuity.html</link>
     <title>Retail Investor .org : Math examples using PV of an annuity</title>
     <description>Math example using Present Value of an Annuity</description>
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/OtherCountryStock.html</link>
     <title>Retail Investor .org : Example of disclosure regarding FX hedging and Reporting effects.</title>
     <description>Financial Reporting of Foreign Exchange Hedging and FX Costs.</description>
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/SpitzerSingh.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/Bengen1.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/money.pdf</link>
     <title></title>
     
     <ror:updatePeriod></ror:updatePeriod>
     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/LongevityInsurance.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/FVannuity.html</link>
     <title>Retail Investor .org : Math examples using FV of an annuity</title>
     <description>Math example using Future Value of an Annuity</description>
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/futurevaluetables.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/technical.html</link>
     <title>Retail Investor .org : The Basics of Technical Trading - Investor Education</title>
     <description>Investor education:  The basics of technical trading - Investor Education.</description>
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/ValueInvestingMetrics.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/CalcPrdShYld.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
     <ror:resourceOf>sitemap</ror:resourceOf>
</item>
<item>
     <link>http://www.retailinvestor.org/ConLodge.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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</item>
<item>
     <link>http://www.retailinvestor.org/CoopVsCondo.pdf</link>
     <title></title>
     
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     <ror:sortOrder>3</ror:sortOrder>
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