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	<title>Beyond the Rhetoric</title>
	
	<link>http://btr.michaelkwan.com</link>
	<description>Freelance Writing, Personal Development, and Making Money with Freelance Writer Michael Kwan</description>
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		<title>Grammar 101: Rise of Compound Words</title>
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		<comments>http://btr.michaelkwan.com/2012/02/09/grammar-101-rise-of-compound-words/#comments</comments>
		<pubDate>Thu, 09 Feb 2012 19:00:02 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Freelance Writing]]></category>
		<category><![CDATA[grammar]]></category>
		<category><![CDATA[grammar tips]]></category>
		<category><![CDATA[word choice]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14888</guid>
		<description><![CDATA[Brevity. It&#8217;s something that is increasingly valued in a society with a rapidly shrinking attention span. If you can&#8217;t express what you want to say in 140 characters or less, I&#8217;m not that interested in what you have to say. And saving that one space seems to be worth some added ambiguity. The idea for [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://btr.michaelkwan.com/wp-content/uploads/2011/01/grammar101.jpg" alt="Grammar 101 with Michael Kwan" title="Grammar 101 with Michael Kwan" width="525" height="297" class="aligncenter size-full wp-image-10825" /></p>
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</div>Brevity. It&#8217;s something that is increasingly valued in a society with a rapidly shrinking attention span. If you can&#8217;t express what you want to say in 140 characters or less, I&#8217;m not that interested in what you have to say. And saving that one space seems to be worth some added ambiguity.</p>
<p>The idea for today&#8217;s post came from an <a href="http://btr.michaelkwan.com/2012/01/20/grammar-101-the-internet-changed-everything/">earlier Grammar 101 entry</a> where we discussed how the Internet changed everything. For many terms, we moved from having two separate words to having a hyphenated term to removing the separation altogether.</p>
<p>Take &#8220;marketplace,&#8221; as an example. It may have been true at one point that it was written as &#8220;market place.&#8221; Quite literally, this would indicate to you that this was the place with the market. We all accept &#8220;marketplace&#8221; as a perfectly normal &#8220;compound&#8221; word and, personally, I have no issue with it. The same can be said about &#8220;girlfriend,&#8221; which may have once been written as &#8220;girl friend.&#8221;</p>
<p>In the last few years, though, I&#8217;ve noticed an increase in the use of &#8220;videogame&#8221; as a single word. Growing up, I&#8217;ve always known and written it as two words: video game. I never hyphenated it and I never thought to combine them. In much the same way, while I do use terms like <a href="http://btr.michaelkwan.com/2011/04/18/how-to-conserve-data-on-a-smartphone/">smartphone</a> (and not smart phone), I still disagree with the use of cellphone (instead of cell phone). I can&#8217;t say for sure what is more &#8220;correct&#8221; or &#8220;accepted&#8221; in today&#8217;s culture, but I do see a definite shift toward increased simplicity. And that means combining words. </p>
<p>Will it only be a matter of time before we use compound words like computergame, highdefinition, and coffeemug? I hope not.</p>

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		<item>
		<title>What’s Up Wednesdays: Health and Wellness</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/xmVZaXHHi-w/</link>
		<comments>http://btr.michaelkwan.com/2012/02/08/whats-up-wednesdays-health-and-wellness/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 19:00:58 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[keep healthy]]></category>
		<category><![CDATA[mental health]]></category>
		<category><![CDATA[speedlink]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14886</guid>
		<description><![CDATA[Every Wednesday, I share some interesting blog posts that I found around the web. Oftentimes, these collections are quite eclectic in nature, but there can be a common thread. Today&#8217;s selection is one such example, as they all offer some insight into how we can be healthier&#8230; just in different ways. Dumb Little Man starts [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://www.flickr.com/photos/alexnormand/2302931785/" title="First Apple by skippyjon, on Flickr"><img src="http://farm3.staticflickr.com/2221/2302931785_793e1db2bd.jpg" width="500" height="333" alt="First Apple"></a></p>
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</div>Every Wednesday, I share some interesting blog posts that I found around the web. Oftentimes, these collections are quite eclectic in nature, but there can be a common thread. Today&#8217;s selection is one such example, as they all offer some insight into how we can be healthier&#8230; just in different ways.</p>
<p>Dumb Little Man starts us off by describing five myths <a href="http://www.dumblittleman.com/2012/02/5-myths-haunting-your-healthy-foods.html">haunting your healthy foods</a>. Organic food, for instance, isn&#8217;t always better. You also have to realize that &#8220;fair trade&#8221; products really serve no indication as to whether or not the food is healthy. Similarly, going gluten-free isn&#8217;t necessarily a good idea for everybody.</p>
<p>Raul Pacheco directs the conversation over to mental health, highlighting <a href="http://hummingbird604.com/2012/02/01/bells-lets-talk-day-2012-join-the-conversation-on-mental-health/">Let&#8217;s Talk Day 2012</a> by Bell. That happens to be today. There are many misconceptions about mental health and the stigma really has to be lifted. A person suffering from depression should be offered the same kind of compassion as someone with a physical ailment.</p>
<p>What about social health? For that, we turn to Neil Patel, who provides quite an extensive <a href="http://www.quicksprout.com/2012/02/06/the-marketers-guide-to-pinterest/">guide to Pinterest</a>. Many of us are already on Facebook and Twitter, but this relatively new addition to the <a href="http://btr.michaelkwan.com/2008/05/31/social-media-in-plain-english/">social media</a> family is quickly rising in popularity. It&#8217;s another way to get social and, from a marketer&#8217;s perspective, it represents a great new opportunity.</p>
<p>Continuing with the online world, we find that Ed Lau has decided to <a href="http://www.ededition.com/well-that-seems-like-long-enough-of-a-break/">return to blogging</a> after a two and a half month hiatus. He once blogged daily, but that schedule has long since been thrown out the window. The good news is that while he may not continue with &#8220;clockwork regularity&#8221; like me, he is back and will try to update more often moving forward.</p>
<p>And finally, Free Money Finance asks whether you should <a href="http://www.freemoneyfinance.com/2012/02/do-you-plan-to-move-when-you-retire.html">move when you retire</a>. Many people choose sunnier climes, but it may make more sense to just stay put. You&#8217;ve already cultivated community connections, for example, and that is just as much an investment </p>

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		<title>Dine Out Vancouver: L’Abattoir in Gastown</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/13cPZjxgi9U/</link>
		<comments>http://btr.michaelkwan.com/2012/02/07/dine-out-vancouver-labattoir-in-gastown/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 19:00:34 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Food and drink]]></category>
		<category><![CDATA[dine out]]></category>
		<category><![CDATA[french]]></category>
		<category><![CDATA[vancouver restaurants]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14879</guid>
		<description><![CDATA[My fourth and final Dine Out Vancouver excursion for 2012 was at L&#8217;Abattoir, located right in the Blood Alley heart of Gastown. While it is located right next to the poorest postal code in Canada, Gastown is also home to some of the most interesting eateries that this city has to offer. There&#8217;s just something [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832855011/" title="L'Abattoir (4 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7164/6832855011_5129cdaefd.jpg" width="500" height="281" alt="L'Abattoir (4 of 10)"></a></p>
<p><!--adsense-->My fourth and final Dine Out Vancouver excursion for 2012 was at <a href="http://www.labattoir.ca/">L&#8217;Abattoir</a>, located right in the Blood Alley heart of Gastown. While it is located right next to the poorest postal code in Canada, Gastown is also home to some of the most interesting eateries that this city has to offer. There&#8217;s just something about the atmosphere in the area, and I&#8217;m not talking about the steam clock.</p>
<p>Given the neighbourhood, it&#8217;s not all that surprising that L&#8217;Abattoir comes off with a certain kind of trendy, almost hipster-like vibe. This is quite different from another <a href="http://btr.michaelkwan.com/2009/06/29/les-faux-bourgeois-french-bistro/">French bistro</a> that I very much enjoy. The hostess, for instance, was wearing a French beret when we arrived. The male servers were sporting a similar &#8220;casual chic&#8221; look. Indeed, as <a href="http://www.followmefoodie.com/2012/02/10-characteristics-of-a-hipster-restaurant/">Mijune points out</a>, &#8220;the clientele and staff are hard to tell apart.&#8221;</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832855089/" title="L'Abattoir (2 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7020/6832855089_a103eac879.jpg" width="500" height="281" alt="L'Abattoir (2 of 10)"></a></p>
<p>The layout of the restaurant itself makes good use of the relatively limited real estate. The main dining room is located upstairs, directly above the clearly visible kitchen. There is additional seating toward the rear of the restaurant, behind the kitchen and down a relatively narrow hallway. I really like the exposed brick and the overall motif of the restaurant. There&#8217;s a great ambiance here.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832855139/" title="L'Abattoir (1 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7164/6832855139_98d855c1a0.jpg" width="500" height="281" alt="L'Abattoir (1 of 10)"></a></p>
<p>While many other restaurants offer complimentary bread, they&#8217;re usually of the basic bread or dinner roll variety. L&#8217;Abattoir steps it up with in-house baked goods. Yes, those are bacon bits on the rolls on the right.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832854963/" title="L'Abattoir (3 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7160/6832854963_f0f14f09fd.jpg" width="500" height="281" alt="L'Abattoir (3 of 10)"></a></p>
<p><em>Country style pork pate, toast, pickled vegetables, apricot sauce</em></p>
<p>We started off the $38 prix fixe menu with our appetizers. I was expecting a small cup of pate, but what we got was a rather substantial slice on top of some brioche toast. The seasoning was fantastic and the assorted pickled vegetables added to a simply delightful dish.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832854897/" title="L'Abattoir (5 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7174/6832854897_12a5c5a614.jpg" width="500" height="281" alt="L'Abattoir (5 of 10)"></a></p>
<p><em>Warm steelhead and fried potato salad, smoked pork fat, dill, horseradish</em></p>
<p>The second appetizer, while not quite as delightful as the pate, was also very good. The generous portion of fish had a smoky flavor to it that was well complemented by the <strike>bacon</strike> smoked pork fat.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832854605/" title="L'Abattoir (10 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7166/6832854605_87599d8d7c.jpg" width="500" height="281" alt="L'Abattoir (10 of 10)"></a></p>
<p><em>Fillet of pacific cod with spicy chorizo crust, white beans cooked in red wine</em></p>
<p>Who said beans had to be boring? While the preparation was likely quite simple, the white beans here were great. I didn&#8217;t taste much of the chorizo in the crusting of the fish, however, and there were portions of the cod that were a little too dry. </p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832854829/" title="L'Abattoir (6 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7156/6832854829_93c87498d7.jpg" width="500" height="281" alt="L'Abattoir (6 of 10)"></a></p>
<p><em>Duck breast and leg meat sausage, buttered green cabbage, pan fried German noodles</em></p>
<p>I love duck. I would have preferred a whole duck leg or breast, but this sausage variety had some great flavors too. The German noodles reminded me of dumpling skins. They could have had a bit more bounce or chew to them, but this was otherwise a great entree. </p>
<p>One of the other options for the main course was a lamb ravioli topped with some more lamb. Seeing it at some other tables, I think I would have preferred that over the cod.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832854653/" title="L'Abattoir (8 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7143/6832854653_80ae3857ff.jpg" width="500" height="281" alt="L'Abattoir (8 of 10)"></a></p>
<p><em>Earl Grey pot de crème, lemon shortbread, whipped milk</em></p>
<p>I thought this was going to be a warm dessert, but the cream was actually quite cool. If you prefer lighter desserts, this fluffy concoction would be your cup of tea (terrible pun intended).</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6832854703/" title="L'Abattoir (9 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7155/6832854703_db7d6cdf9e.jpg" width="500" height="281" alt="L'Abattoir (9 of 10)"></a></p>
<p><em>Pinneapple upside down cake, mascarpone cream</em></p>
<p>So good. The warm cake worked well with the jellied and dehydrated pineapple, capping off a pretty fantastic meal.</p>
<p>Yes, you have countless options when it comes to eating in Gastown, but L&#8217;Abattoir should be pretty close to the top of your list. Service was attentive and friendly, the food was top-notch, and the atmosphere makes for a great dining experience. The unique cocktail list is impressive too&#8230; and they don&#8217;t skimp on the alcohol content either. My only complaint is the lack of cheap parking, but that goes with the territory.</p>
<p>Don&#8217;t forget to check out my other <a href="http://btr.michaelkwan.com/2012/02/03/dine-out-chambar-belgian-restaurant/">Dine</a> <a href="http://btr.michaelkwan.com/2012/01/31/dine-out-vancouver-fleuri-restaurant/">Out</a> <a href="http://btr.michaelkwan.com/2012/01/26/glowbals-black-blue-steakhouse-vancouver/">Vancouver</a> adventures from this year&#8217;s food festival. There was a lot of good eating in there!</p>
<p><a href="http://www.urbanspoon.com/r/14/1536190/restaurant/Gastown/LAbattoir-Vancouver"><img alt="L'Abattoir on Urbanspoon" src="http://www.urbanspoon.com/b/logo/1536190/minilogo.gif" style="border:none;width:104px;height:15px" /></a></p>

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		<item>
		<title>Freelance Rate Quotes vs. Salary Negotiations</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/mCDnhnRkiqE/</link>
		<comments>http://btr.michaelkwan.com/2012/02/06/freelance-rate-quotes-vs-salary-negotiations/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 19:00:20 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Freelance Writing]]></category>
		<category><![CDATA[business practices]]></category>
		<category><![CDATA[freelance rates]]></category>
		<category><![CDATA[make money]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14798</guid>
		<description><![CDATA[Part of the reason why I decided to get into business for myself is that I wanted to be my own boss. I wanted to set my hours and work based on my terms. At the same time, I recognize that running a freelance writing business necessitates interactions with clients and these clients can oftentimes [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://www.flickr.com/photos/dwonderwall/3341419074/" title="Detail from meeting by Dwonderwall, on Flickr"><img src="http://farm4.staticflickr.com/3397/3341419074_ce01139501.jpg" width="500" height="333" alt="Detail from meeting"></a></p>
<p><!--adsense-->Part of the reason why I decided to get into business for myself is that I wanted to be my own boss. I wanted to set my hours and work based on my terms. At the same time, I recognize that running a freelance writing business necessitates interactions with clients and these clients can oftentimes feel like &#8220;bosses&#8221; in their own right. It&#8217;s like I traded one supervisor for many.</p>
<p>And so, when I came across an extensive article on <a href="http://www.kalzumeus.com/2012/01/23/salary-negotiation/">salary negotiations</a>, I realized just how close it hit to home. While it may no longer strictly be true that I have to &#8220;apply&#8221; for a job and &#8220;interview&#8221; for a position, per se, many of the mechanisms involved still come into the picture for the professional freelancer. And negotiating is one such mechanism.</p>
<p><strong>The Magic Number</strong></p>
<p>In the article that I mentioned above, the author asserts that you should never speak first when it comes to deciding on a number. That&#8217;s in the context of salary negotiations for a more conventional kind of job. He recommends that, when you are asked for your salary negotiations, you turn the question around to the interviewee in subtle and not so subtle ways. You can then respond accordingly.</p>
<p>It can be argued that a similar approach can be taken when offering a <a href="http://btr.michaelkwan.com/2010/11/16/how-to-request-a-freelance-writing-rate-quote/">freelance rate quote</a>, but I&#8217;m not sure it&#8217;s always practical or appropriate. Just as you&#8217;d ask for an estimate from a plumber or car mechanic, people can expect the same experience with a freelance writer. &#8220;How much do you charge for job XYZ?&#8221; </p>
<p>As such, there is a lot of pressure on the service provider (freelancer) to speak first when it comes to providing a quote (&#8220;salary expectations&#8221;). Finding that magic number can be a challenge. Quote too low and you&#8217;re short-changing yourself (and possibly giving off the impression that you are desperate). Quote too high and you could scare off the potential client. Not unlike Goldilocks and the Three Bears, you have to find the rate quote that is <em>just right</em>.</p>
<p><strong>Recognize What You&#8217;re Worth</strong></p>
<p>When you enter salary negotiations with a new employer, one question is typically asked: how much did you make with your previous employer? It&#8217;s a trap. The assumption is that you have gained more experience, more knowledge, and more expertise. Your previous employer may have increased your pay rate as a result, but it&#8217;s also possible that you were kept at a lower pay grade too. The question shouldn&#8217;t be how much you <em>made</em>, but how much you are <em>worth now</em>.</p>
<p>The exact same mentality needs to be taken when it comes to freelance rate quotes. Sure, you may charge less early in your career when you are still trying to gain experience and exposure, but your rate can be expected to rise as you get better (and better known) at your craft. A top-notch, well-experienced lawyer surely charges more than one fresh out of law school. Freelance writing, graphic design, or any other kind of similar profession is no different. Recognize what you&#8217;re worth and charge accordingly.</p>
<p><strong>Flexibility and Compromise</strong></p>
<p>When you enter a standard salary negotiation for a new job, you have to expect to offer some flexibility. You give a little, you get a little, and hopefully you work things out with your employer-to-be. While there is certainly the risk of the <a href="http://btr.michaelkwan.com/2007/08/29/five-myths-about-freelance-writing/">lack of a stable income</a> when you become a freelancer, the same kind of open-mindedness needs to be brought to the table.</p>
<p>Some freelancers will argue that your rates should be firm and non-negotiable. There is something to be said there, as you likely don&#8217;t negotiate with many other types of businesses, but a win-win compromise is a much better outcome than a hard-edged refusal to budge. </p>
<p>Part of the power of freelancing is your flexibility to take on other clients. If things don&#8217;t work out, you can always walk away and still have your other clients. This isn&#8217;t really the case with the &#8220;permalancer&#8221; (the freelancer who takes on a single client on a full-time basis, which is legally grey on the part of the client/employer), but that&#8217;s another topic for another day.</p>

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		<title>Sunday Snippet: George Carlin</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/KbOXPVBtAuc/</link>
		<comments>http://btr.michaelkwan.com/2012/02/05/sunday-snippet-george-carlin/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 19:00:46 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[comedy]]></category>
		<category><![CDATA[humor]]></category>
		<category><![CDATA[memorable quotes]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14824</guid>
		<description><![CDATA[&#8220;Well, if crime fighters fight crime and fire fighters fight fire, what do freedom fighters fight? They never mention that part to us, do they?&#8221; Given that I make my living as a freelance writer, it should come as little surprise that I find great pleasure in wordplay. Puns can be fun, but dissecting the [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://www.amazon.ca/gp/product/1439191107/ref=as_li_ss_tl?ie=UTF8&#038;tag=beyotherhet-20&#038;linkCode=as2&#038;camp=15121&#038;creative=390961&#038;creativeASIN=1439191107"><img src="http://farm8.staticflickr.com/7015/6814561729_746f790938.jpg" width="500" height="298" alt="George Carlin"></a></p>
<blockquote><p><em>&#8220;Well, if crime fighters fight crime and fire fighters fight fire, what do freedom fighters fight? They never mention that part to us, do they?&#8221;</em></p></blockquote>
<p><!--adsense-->Given that I make my living as a freelance writer, it should come as little surprise that I find great pleasure in wordplay. Puns can be fun, but dissecting the English language for all of its logical errors and subtleties can be even more fun. That&#8217;s comedy.</p>
<p>And George Carlin, while not always focusing on wordplay, was easily one of the best comics of all time. He is perhaps best remembered for <a href="http://www.youtube.com/watch?v=3_Nrp7cj_tM">the seven words</a> routine (NSFW YouTube link due to language, naturally), but little jokes like the one above are very clever too. It doesn&#8217;t have to be crude to be funny (not to say that I am opposed to crude humor). </p>
<p>But does comedy really serve a useful purpose? Do we really need characters like <a href="http://btr.michaelkwan.com/2011/08/07/sunday-snippet-george-costanza/">George Costanza</a> and <a href="http://btr.michaelkwan.com/2011/07/10/sunday-snippet-stephen-t-colbert/">Stephen Colbert</a> in a purely utilitarian sense? Well, American psychologist William James once said, &#8220;We don&#8217;t laugh because we&#8217;re happy. We&#8217;re happy because we laugh.&#8221; And I think we&#8217;d all agree that happiness is pretty important. </p>
<p>Here are a couple of other gems from Carlin:</p>
<blockquote><p><em>&#8220;Honesty may be the best policy, but it&#8217;s important to remember that apparently, by elimination, dishonesty is the second-best policy.&#8221;</em></p></blockquote>
<blockquote><p><em>&#8220;When someone asks you, A penny for your thoughts, and you put your two cents in, what happens to the other penny?&#8221;</em></p></blockquote>
<p>In your quests to find fame, fortune and love, don&#8217;t forget to keep <a href="http://btr.michaelkwan.com/2010/01/07/a-sense-of-humor-about-yourself/">a sense of humor</a> about things too. Smile and the world will smile back at you.</p>

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		<title>Dine Out Vancouver: Chambar Restaurant</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/FYXrjpD6JJo/</link>
		<comments>http://btr.michaelkwan.com/2012/02/03/dine-out-chambar-belgian-restaurant/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 19:00:11 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Food and drink]]></category>
		<category><![CDATA[dine out]]></category>
		<category><![CDATA[eating out]]></category>
		<category><![CDATA[vancouver restaurants]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14860</guid>
		<description><![CDATA[My Dine Out Vancouver 2012 adventures continued at Chambar, a restaurant that was founded on Belgian cuisine, but has since looked to expand its scope into just being a great restaurant. Even so, the Belgian roots remain quite clear in this Gastown area eatery, complete with a huge selection of Belgian beers. For this go [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804690011/" title="Chambar Belgian Restaurant (1 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7147/6804690011_b9d58b4990.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (1 of 10)"></a></p>
<p><!--adsense-->My Dine Out Vancouver 2012 adventures continued at <a href="http://www.chambar.com/">Chambar</a>, a restaurant that was founded on Belgian cuisine, but has since looked to expand its scope into just being a great restaurant. Even so, the Belgian roots remain quite clear in this Gastown area eatery, complete with a huge selection of Belgian beers. For this go around, I opted for a strong golden ale called La Chouffe. Its &#8220;pleasantly fruity&#8221; and &#8220;light hops&#8221; flavor profile belies its higher than normal 8.0% alcohol content. </p>
<p>This was my third time at Chambar&#8211;I had been here before both for Dine Out and for the regular menu&#8211;so I already had a pretty good idea of what to expect. I&#8217;ve never been disappointed with the food, the atmosphere, or the service at Chambar, so I was hoping that this visit wouldn&#8217;t be the exception. </p>
<p>Even though he was originally hired as the sommelier, Robert Stelmachuk is also the &#8220;front of house leader&#8221; at Chambar. He took on the role of manager/server with our table and he couldn&#8217;t be more delightful, always checking in to make sure that everything was to our satisfaction. Noting the couple of cameras we had at the table, he also took extra care to get the food &#8220;photo-ready&#8221; for us, knowing full well that the pictures would &#8220;end up on your Facebook or blog or wherever else.&#8221; His good humour and attentiveness certainly added to the appeal of the meal&#8230; but what about the meal itself?</p>
<p>The Dine Out menu at Chambar <a href="http://btr.michaelkwan.com/2008/01/04/dine-out-vancouver-2008-list-of-restaurants/">used to be $25</a>, but the 2012 selection came in at $38 per person for three courses.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689847/" title="Chambar Belgian Restaurant (4 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7035/6804689847_50b6acfd06.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (4 of 10)"></a></p>
<p><em>Carpaccio de Chevreuil: Charred venison carpaccio, garlic chips, radishes, white soy &#038; red wine reduction, soba noodle salad</em></p>
<p>This was my appetizer and it was certainly larger than I expected. There were easily a dozen slices of venison there, each with just the right amount of seasoning. The garlic chips were great too, but I found the soba noodles to be on the mushy side.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689941/" title="Chambar Belgian Restaurant (3 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7156/6804689941_ef9813434a.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (3 of 10)"></a></p>
<p><em>Betterave &#038; Fenouil: Roasted baby beets, orange braised fennel, pomegranate, whipped sheeps feta</em></p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689901/" title="Chambar Belgian Restaurant (2 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7148/6804689901_82c5f602cb.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (2 of 10)"></a></p>
<p><em>Soupe d&#8217;hiver: Roasted celeriac &#038; morel soup, shaved apple, lingonberries, watercress</em></p>
<p>Shown above are the other two appetizer options. I didn&#8217;t sample the beets, but I did have a couple spoonfuls of the soup. The sourness of the lingonberries offered a stark contrast to the otherwise earthy taste of the soup. This was different and I think in a good way.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689681/" title="Chambar Belgian Restaurant (8 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7011/6804689681_5ff037495b.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (8 of 10)"></a></p>
<p><em>Carbonade Flamande: Chambar Ale braised shortrib, sultanas, sage butter barley risotto</em></p>
<p>This was my main dish and it was deceptively filling. The shortrib was very tender and flavorful. The risotto was a little on the &#8220;crunchy&#8221; side, but I didn&#8217;t mind it all that much. I was later told by Robert that this was a simpler, smaller version of the braised lamb tajine from the regular menu, which I have tried in the past. I&#8217;d say the tajine was definitely better, but understandably a lot more work for the kitchen.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689739/" title="Chambar Belgian Restaurant (6 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7165/6804689739_c91c179ba9.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (6 of 10)"></a></p>
<p><em>L&#8217;omle de l&#8217;Artique Niçois: Crispy Arctic char, sea asparagus, pea shoots, bacalao, lemon &#038; grana padano concasse, tapanades</em></p>
<p>Even though the little dollops on the plate don&#8217;t look all that pleasant, they added some interesting flavors to this dish. The char was cooked beautifully with a nice crispness to the skin.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689777/" title="Chambar Belgian Restaurant (5 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7013/6804689777_e9129bd07e.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (5 of 10)"></a></p>
<p><em>Moules-Frites Congolaise: Mussels, tomato coconut cream, smoked chili, lime, cilantro</em></p>
<p>No visit to Chambar would be complete without getting their amazing pot of mussels. Pictures really don&#8217;t do it justice, especially since we don&#8217;t have smell-o-vision. Served with a side of fries (which are also very good), this is a menu item that should not be missed. </p>
<p>A white wine-based option, called the Moules-Frites Coquotte, is also available. It is served with cream, smoked bacon lardons, and spring onions.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689647/" title="Chambar Belgian Restaurant (7 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7158/6804689647_046d16fccb.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (7 of 10)"></a></p>
<p><em>Le Fromage: Selection of 2 local cheeses, sultana bread, fruit compote</em></p>
<p>This dessert option really didn&#8217;t feel like a &#8220;dessert&#8221; to me. That said, I&#8217;ve always been a fan of cheese. The shame is that there wasn&#8217;t really enough bread to go with the cheese and compote.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6804689541/" title="Chambar Belgian Restaurant (9 of 10) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7032/6804689541_e841bf5eca.jpg" width="500" height="281" alt="Chambar Belgian Restaurant (9 of 10)"></a></p>
<p><em>Le Fruit: Lemon curd, toasted meringue, thyme scented shortbread</em></p>
<p>Based on the description, I was expecting a lemon meringue pie without the pie crust. What I got instead was a variation on a pavlova. There was a slight chewiness to the exterior and, with lemon curd in the center, this dish offered a nice way to cap out a great meal.</p>
<p>Chambar lived up to its expectations and easily earns my recommendation. Be sure to check out my other Dine Out Vancouver posts from this year, including <a href="http://btr.michaelkwan.com/2012/01/31/dine-out-vancouver-fleuri-restaurant/">Fleuri</a> and <a href="http://btr.michaelkwan.com/2012/01/26/glowbals-black-blue-steakhouse-vancouver/">Black+Blue</a>. I have one more DOV post coming, but don&#8217;t be afraid to dive into my &#8220;Food and Drink&#8221; archive for more good eating.</p>
<p><a href="http://www.urbanspoon.com/r/14/180339/restaurant/Gastown/Chambar-Vancouver"><img alt="Chambar on Urbanspoon" src="http://www.urbanspoon.com/b/logo/180339/minilogo.gif" style="border:none;width:104px;height:15px" /></a></p>

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		<title>Grammar 101: Decades are NOT Possessive</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/BdNT6rMaAWc/</link>
		<comments>http://btr.michaelkwan.com/2012/02/02/grammar-101-decades-are-not-possessive/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 19:00:44 +0000</pubDate>
		<dc:creator>Guest Blogger</dc:creator>
				<category><![CDATA[Freelance Writing]]></category>
		<category><![CDATA[grammar]]></category>
		<category><![CDATA[grammar tips]]></category>
		<category><![CDATA[guest post]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14831</guid>
		<description><![CDATA[As a blogger, I spend a few hours everyday reading other blogs and various forms of amateur content around the web. It&#8217;s one way to stay on top of what&#8217;s hot, while also allowing me to scope out potential talent for my own site. In addition, it gives me a way to monitor grammar. After [...]]]></description>
			<content:encoded><![CDATA[<p><!--adsense-->As a blogger, I spend a few hours everyday reading other blogs and various forms of amateur content around the web. It&#8217;s one way to stay on top of what&#8217;s hot, while also allowing me to scope out potential talent for my own site. In addition, it gives me a way to monitor grammar. After reading the 20th blog post of the day, you tend to start to notice some common mistakes being made. </p>
<p>The one mistake we are going to hone in on in today&#8217;s Grammar 101 posting is the improper listing of decades in numerical format. Referring to the culture or the history of a particular decade is a common feature among blog content creation. Among the most popular blog subjects – homemaking, fashion, pop culture, finance – years are mentioned frequently and thus this is an incredibly important aspect of online grammar that must be addressed. </p>
<p>Simply put, you do not include an apostrophe when referring to a specific decade. For example: “The company <a href="http://www.instructure.com/">Instructure</a> has been developing LMS classroom strategies since the early 2000&#8242;s.” is incorrect. In this case an apostrophe would denote possession, despite the decade not being in possession of anything within the sentence. Yet in nearly 50% of the blog postings I read where a specific decade is listed, an apostrophe has been included. </p>
<p>To prevent yourself from making this seemingly common mistake, simply stop and remind yourself the rules regarding <a href="http://velorum.ballarat.edu.au/~iwright/apostrophes/">apostrophes</a>. A decade is a thing and thus a noun. Nouns with apostrophes are always either in possession or in action. If you are merely referring to the aspects of a particular decade, then you only have to add the “s” to denote plurality. </p>
<p>For those of you thinking about contractions, keep in mind that a decade&#8217;s status as a plural subject prevents a decade from ever sitting in front of “is” or “was.” Thus, such a contraction-based reason for writing “2000&#8242;s” would never exist in the first place. </p>
<p>So let&#8217;s recap: There is virtually no situation where an apostrophe should be included when referring to a decade. It is simply a matter of plurality, and as such needs only an “s” to make sense. Anything more than that is violating <a href="http://www.plainlanguage.gov/">basic laws</a> of the English language. </p>
<blockquote><p><em>The preceding was a guest post by Nancy E. and does not necessarily reflect the views and opinions of Michael Kwan or <a href="http://btr.michaelkwan.com">Beyond the Rhetoric</a>.</em></p></blockquote>

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		<item>
		<title>What’s Up Wednesdays: Top Thinkers</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/kee_uxCyIVs/</link>
		<comments>http://btr.michaelkwan.com/2012/02/01/whats-up-wednesdays-top-thinkers-15/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 19:00:12 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[apple iphone]]></category>
		<category><![CDATA[speedlink]]></category>
		<category><![CDATA[top thinkers]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14807</guid>
		<description><![CDATA[Wake up! It&#8217;s the first the month! So, we&#8217;re taking a look back at the month of January to see who were the most active when it came to comments on Beyond the Rhetoric. You&#8217;re going to see some familiar faces here and I&#8217;m glad that they&#8217;re sticking around to keep the conversation going. Once [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://btr.michaelkwan.com/wp-content/uploads/2009/08/rodinthinkerthinking.jpg" alt="The Top Thinkers of Beyond the Rhetoric" title="The Top Thinkers of Beyond the Rhetoric" width="525" height="299" class="aligncenter size-full wp-image-6071" /></p>
<p><!--adsense-->Wake up! It&#8217;s the first the month! So, we&#8217;re taking a look back at the month of January to see who were the most active when it came to comments on Beyond the Rhetoric. You&#8217;re going to see some <a href="http://btr.michaelkwan.com/2011/12/28/whats-up-wednesdays-top-thinkers-14/">familiar faces</a> here and I&#8217;m glad that they&#8217;re sticking around to keep the conversation going.</p>
<p>Once again at the top is our good friend <a href="http://edutechation.wordpress.com/">Ray Ebersole</a>. To kick off the new year, Ray chimed in with his opinion on the <a href="http://edutechation.wordpress.com/2012/01/01/2012-the-mayans-and-other-thoughts/">Mayan apocalypse</a>, as well as the US Presidential election, the GOP candidates involved in the race, and Florida Governor Rick Scott. From Nancy Pelosi to John Bonner, there&#8217;s plenty to read here.</p>
<p>Next up, we have <a href="http://www.usedtiresblog.com/">Used tires</a>. Seeing how I live in Vancouver, the post about how to stay safe while <a href="http://www.usedtiresblog.com/articles/how-to-stay-safe-while-driving-on-wet-roads.html">driving on wet roads</a> hits a little close to home. Remember to check those treads for problems, deficiencies, and wear. Uneven tire wear can be indicative of a problem with your wheel alignment, which can prove disastrous under less than ideal conditions.</p>
<p>To my knowledge, this isn&#8217;t the first appearance by <a href="http://zagorath.wordpress.com/">Zagorath</a> on the top thinkers list and I hope it won&#8217;t be the last. A great read on the <a href="http://zagorath.wordpress.com/2011/10/25/the-myth-of-the-retina-display/">myth of the retina display</a> was published on his blog a while back, reminding us that the &#8220;magic&#8221; number of 300ppi is only relevant at a specific distance. Beyond that, the pixel density can be less and still achieve the same &#8220;retina display&#8221; experience. The 720p display on the recent Galaxy Nexus is one example of that.</p>
<p>The last post written by <a href="http://www.betshopboy.net/">Betshopboy</a> on his own blog showcases his <a href="http://www.betshopboy.net/2011/12/06/my-scms-2011-result/">SCMS 2011 result</a>, completing a full marathon in four hours and 21 minutes. I wonder if he has participated in any other marathons since then and, if so, if he has been able to crack that sub-four hour target time yet.</p>
<p>And finally, we have <a href="http://www.iphone4jailbreak.org/forum/">Sourish @ iPhone 4 Problems</a> to round out the top five for January. If you&#8217;ve ever wondered about the <a href="http://www.iphone4jailbreak.org/forum/benefits-of-jailbreaking.html">benefits of jailbreaking</a>, the forum thread has over 20 responses with all sorts of information about why you may want to hack into your preferred iDevice. There are risks, of course, but there are certainly rewards to be enjoyed too.</p>
<p><em>Side note: The winner of my <a href="http://btr.michaelkwan.com/2012/01/17/the-ces-2012-swag-bag-giveaway/">CES swag bag giveaway</a> has been randomly selected. Congratulations goes out to <a href="http://www.youtube.com/user/Ratman2050">Ratman2050</a>. You are the winner! Please contact me with your shipping address and I&#8217;ll send it out to you right away. Thanks again to everyone else who entered.</em></p>

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		<item>
		<title>Dine Out Vancouver: Fleuri Restaurant</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/-6loUuynUhs/</link>
		<comments>http://btr.michaelkwan.com/2012/01/31/dine-out-vancouver-fleuri-restaurant/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 19:00:30 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Food and drink]]></category>
		<category><![CDATA[dine out]]></category>
		<category><![CDATA[eating out]]></category>
		<category><![CDATA[vancouver restaurants]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14794</guid>
		<description><![CDATA[Following up on my first Dine Out Vancouver 2012 experience at Black+Blue Steakhouse, we made our way onto our second food adventure. This time around, we visited Fleuri inside the Sutton Place Hotel in Downtown Vancouver. While I was expecting more of a &#8220;restaurant,&#8221; Fleuri is probably better described as a hotel dining room. It&#8217;s [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6780304865/" title="Fleuri at Sutton Place Hotel (3 of 9) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7008/6780304865_b1aa375d82.jpg" width="500" height="281" alt="Fleuri at Sutton Place Hotel (3 of 9)"></a></p>
<p><!--adsense-->Following up on my first Dine Out Vancouver 2012 experience at <a href="http://btr.michaelkwan.com/2012/01/26/glowbals-black-blue-steakhouse-vancouver/">Black+Blue Steakhouse</a>, we made our way onto our second food adventure. This time around, we visited <a href="http://www.vancouver.suttonplace.com/Restaurant_Bar.htm">Fleuri</a> inside the Sutton Place Hotel in Downtown Vancouver.</p>
<p>While I was expecting more of a &#8220;restaurant,&#8221; Fleuri is probably better described as a hotel dining room. It&#8217;s almost like you are simply sitting in the lounge and there just happens to be a few dinner tables there. This doesn&#8217;t really make for the best ambiance or atmosphere, but it didn&#8217;t really detract from the food either.</p>
<p>The Dine Out Vancouver 2012 menu for Fleuri was $28 and consisted of three courses.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6780304807/" title="Fleuri at Sutton Place Hotel (2 of 9) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7030/6780304807_c2e1a8aa3f.jpg" width="500" height="281" alt="Fleuri at Sutton Place Hotel (2 of 9)"></a></p>
<p><em>BC Clam and Tomato Chowder chowder vegetables, tarragon essence, crab fritter</em></p>
<p>This was one of the appetizer choices. The crab fritter hardly had any crab flavor in it and soup was rather uninspired, but I wouldn&#8217;t say it was bad either.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6780304703/" title="Fleuri at Sutton Place Hotel (5 of 9) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7174/6780304703_fff1bab0ea.jpg" width="500" height="281" alt="Fleuri at Sutton Place Hotel (5 of 9)"></a></p>
<p><em>Crudo of Albacore Tuna citrus, soy and sesame flavours, squid ink, cod roe aioli</em></p>
<p>Crudo is essentially an Italian take on Japanese sashimi. The albacore tuna here offered a fresh crispness and this worked quite well with the crispy bits that they placed on top.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6780304573/" title="Fleuri at Sutton Place Hotel (8 of 9) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7143/6780304573_c34de5b0fd.jpg" width="500" height="281" alt="Fleuri at Sutton Place Hotel (8 of 9)"></a></p>
<p><em>Buttermilk Chicken Sous Vide and Shiitake Mushrooms mushroom pudding, sour plum jus, red chard and braised celery, aged cheddar croquette</em></p>
<p>This was the option I selected for my main course, mainly because I have never tried something prepared as a <a href="http://en.wikipedia.org/wiki/Sous-vide">sous vide</a>. Indeed, the chicken was mostly able to retain its moistness, but the overall flavor profile wasn&#8217;t all that special. The shitake mushrooms had a great earthy taste to them.</p>
<p>I didn&#8217;t sample the other two mains, shown below, but I was told that the beautifully earthy flavors of the mushrooms held up in those two dishes too. In the case of the pot au feu, there is a large piece of salmon underneath that, but there could have been more shellfish to round it out.</p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6780304615/" title="Fleuri at Sutton Place Hotel (6 of 9) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7003/6780304615_23d0100e2f.jpg" width="500" height="281" alt="Fleuri at Sutton Place Hotel (6 of 9)"></a></p>
<p><em>Seafood and Shellfish Pot au Feu creamy curry emulsion and consomme, clams, mussels, sweet peas, curried squash</em></p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6780304655/" title="Fleuri at Sutton Place Hotel (7 of 9) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7158/6780304655_39f2d744ac.jpg" width="500" height="281" alt="Fleuri at Sutton Place Hotel (7 of 9)"></a></p>
<p><em>24-Hour Braised Beef Flat Iron root vegetables, tiroler bacon jus, onion horseradish froth, sweet potato puree</em></p>
<p align="center"><a href="http://www.flickr.com/photos/beyondtherhetoric/6780304475/" title="Fleuri at Sutton Place Hotel (9 of 9) by Michael Kwan (Freelancer), on Flickr"><img src="http://farm8.staticflickr.com/7142/6780304475_33e5daa5e6.jpg" width="500" height="281" alt="Fleuri at Sutton Place Hotel (9 of 9)"></a></p>
<p><em>Butterscotch, Vanilla Chamomile Gelato and Passion Fruit Coup</em></p>
<p>Everyone received the same dessert and it was a pleasant way to end the meal. The crispy sesame cracker on top reminded me of Indian papadum, which offered a nice contrast to the silky gelato.</p>
<p>While Fleuri isn&#8217;t quite as top shelf as a place like <a href="http://btr.michaelkwan.com/2012/01/02/pear-tree-restaurant-burnaby-north/">Pear Tree</a>, it is perfectly adequate as a fine dining experience. The food is prepared well, service was attentive, and even the regular menu prices are very fair. The &#8220;hotel lobby&#8221;-like ambiance does throw you a little, though.</p>
<p><a href="http://www.urbanspoon.com/r/14/180636/restaurant/Downtown/Fleuri-Vancouver"><img alt="Fleuri on Urbanspoon" src="http://www.urbanspoon.com/b/logo/180636/minilogo.gif" style="border:none;width:104px;height:15px" /></a></p>

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		<title>Invest in RRSPs or Pay Down the Mortgage?</title>
		<link>http://feedproxy.google.com/~r/BeyondTheRhetoric/~3/4XTqRiLcr2M/</link>
		<comments>http://btr.michaelkwan.com/2012/01/30/invest-in-rrsps-or-pay-down-the-mortgage/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 19:00:02 +0000</pubDate>
		<dc:creator>Michael Kwan</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://btr.michaelkwan.com/?p=14801</guid>
		<description><![CDATA[Even though I make my living as a freelance writer, I&#8217;ve always been fascinated with numbers. Some may say that I become obsessed with them, which is why it is a little curious how I didn&#8217;t end up with a career in finances, economics, or accounting. And it is around this time of year that, [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://www.flickr.com/photos/59937401@N07/5474806608/" title="Houses on Coins by Images_of_Money, on Flickr"><img src="http://farm6.staticflickr.com/5215/5474806608_15588d83e5.jpg" width="500" height="375" alt="Houses on Coins"></a></p>
<p><!--adsense-->Even though I make my living as a <a href="http://michaelkwan.com">freelance writer</a>, I&#8217;ve always been fascinated with numbers. Some may say that I become obsessed with them, which is why it is a little curious how I didn&#8217;t end up with a career in finances, economics, or accounting. And it is around this time of year that, whether or not you have an interest in numbers, you have to deal with them. It&#8217;s tax season.</p>
<p>For me, this means going through the books of my freelance writing business, but it also means dealing with my personal finances. As you may already know, 2011 was a monumental year for me as I finally entered the demographic known as home owners. And with that came a mortgage. And with that came more complexities and more decisions.</p>
<p>The good news is that I do have some &#8220;extra&#8221; (and I use that term very loosely) money around and I wanted to see what was the best way to handle it. One decision that many Canadian homeowners face around this time of year is whether the &#8220;extra&#8221; money should be put toward paying off the mortgage or if it should be invested into a retirement fund via an RRSP. So, which is the sounder decision?</p>
<p><strong>Buy More RRSPs If&#8230;</strong></p>
<p>Even though your personal income tax return isn&#8217;t due until the end of April, you only have until the end of February to buy more RRSPs for the 2011 tax year. That&#8217;s the same kind of <a href="http://btr.michaelkwan.com/2010/02/25/canadian-rrsp-deadline-for-2009-tax-year/">RRSP deadline</a> we&#8217;ve seen for previous years.</p>
<p>There are several advantages to investing in your RRSPs. You&#8217;re saving for your retirement, to be sure, but you also &#8220;save&#8221; on your current income taxes. The tax liability doesn&#8217;t disappear, but it is deferred and the assumption is that you&#8217;ll be in a lower tax bracket upon retirement. That said, does it make sense to invest in your RRSPs in lieu of putting that money toward paying off your mortgage?</p>
<p>If you have &#8220;extra&#8221; money, you should invest that in RRSPs if doing so triggers a larger tax refund <em>and</em> if the expected rate of return on your investment is higher than the interest rate you are currently paying on your mortgage. If you are reasonably confident that you can earn a 5% return, for example, and your mortgage is currently at 3%, then it is a sound decision to invest in your retirement.</p>
<p><strong>Pay Down the Mortgage If&#8230;</strong></p>
<p>When, then, is it appropriate to pay down the mortgage in lieu of putting that money toward buying RRSPs? First, if buying those RRSPs only has a minimal impact on the size of your tax refund, then I wouldn&#8217;t bother. Not surprisingly, the other huge factor is the difference between your expected rate of return on your RRSP investment and the interest rate on your mortgage.</p>
<p>If the mortgage interest rate is higher, then you should focus on paying down that debt. It doesn&#8217;t make sense to &#8220;earn&#8221; a 2% return on your investment product, only to pay 3% interest on your mortgage. This also assumes that your mortgage allows for lump sum payments, above and beyond your regular payments. If you have outstanding debts with a higher interest rate than your mortgage, as would be the case with credit card debt, then you should focus your energies on paying those down first.</p>
<p><strong>As Always, It Depends</strong></p>
<p>In my case, even when we bought the house, I made a conscious decision to remain reasonably liquid. That&#8217;s because I still needed the cash on hand to pay for <a href="http://btr.michaelkwan.com/2011/10/03/my-wedding/">my wedding</a> and I expect to have a few other major purchases related to my house in the next couple of years. As such, I want to have enough cash on hand to deal with these expenses, as well as a rainy day fund for &#8220;in case&#8221; purposes.</p>
<p>Given the current volatility of the market and the relatively low interest rates, I&#8217;m likely going to put some of that &#8220;extra&#8221; money toward the mortgage and leave the RRSP cap room for future investment. Keep in mind that I am no financial expert and your individual situation will surely vary. If you&#8217;re not sure, check with someone with more expertise and who has your best interests at heart.</p>

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