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	<title>Freelance Advisor &#187; Paul Cleworth</title>
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	<copyright>Copyright &#xA9; Freelance Advisor 2011 </copyright>
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	<itunes:summary>News, Help and Advice for UK Freelancers, Contractors and the Self-Employed</itunes:summary>
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		<title>How to become a millionaire without winning the lottery</title>
		<link>http://www.freelanceadvisor.co.uk/money/how-to-become-a-millionaire-without-winning-the-lottery/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/how-to-become-a-millionaire-without-winning-the-lottery/#comments</comments>
		<pubDate>Mon, 03 Oct 2011 09:00:00 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[borrowing]]></category>
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		<category><![CDATA[compound interest]]></category>
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		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[profit]]></category>
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		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=15614</guid>
		<description><![CDATA[Money is a very emotive subject. Money is also very psychological. We each choose how we spend our money. The more one earns the more one theoretically could and should save. The same is true of spending. In both cases, it is all relative.]]></description>
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		<title>[Money Monday] NEST Pensions &#8211; Any good for Freelancers?</title>
		<link>http://www.freelanceadvisor.co.uk/money/money-monday-nest-pensions-any-good-for-freelancers/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/money-monday-nest-pensions-any-good-for-freelancers/#comments</comments>
		<pubDate>Mon, 07 Feb 2011 10:00:00 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[contribution]]></category>
		<category><![CDATA[earnings]]></category>
		<category><![CDATA[final salary pension]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[low cost pension]]></category>
		<category><![CDATA[National Employment Savings Trust]]></category>
		<category><![CDATA[NEST]]></category>
		<category><![CDATA[NI]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[pension scheme]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=11738</guid>
		<description><![CDATA[A number of Freelancers have questioned how the National Employment Savings Trust (NEST) will affect them. From October 2012 the UK Government will introduce a new pension scheme to the UK as part of a bigger overall pensions reform strategy. Previously known as “personal accounts" NEST was announced on 7 January 2010.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>[Money Monday] Restrictions of higher rate tax relief on pensions</title>
		<link>http://www.freelanceadvisor.co.uk/money/money-monday-restrictions-of-higher-rate-tax-relief-on-pensions/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/money-monday-restrictions-of-higher-rate-tax-relief-on-pensions/#comments</comments>
		<pubDate>Mon, 18 Oct 2010 14:00:00 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Accountancy]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[Help]]></category>
		<category><![CDATA[Money Monday]]></category>
		<category><![CDATA[Pensions]]></category>
		<category><![CDATA[Restrictions]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=9782</guid>
		<description><![CDATA[Last week the government came clean on their future plans for pension tax relief.  Now we've had time to digest the news, we've called in our resident financial planner - Paul Cleworth of Wealth Matters - to give you a rundown of the changes and how they'll affect you and your business.  Here comes the science...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Budget Advice for Contactors: Review your salary with your accountant</title>
		<link>http://www.freelanceadvisor.co.uk/money/budget-advice-for-contactors-review-your-salary-with-your-accountant/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/budget-advice-for-contactors-review-your-salary-with-your-accountant/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 12:21:10 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Accountancy]]></category>
		<category><![CDATA[accountant]]></category>
		<category><![CDATA[contracting]]></category>
		<category><![CDATA[contractor]]></category>
		<category><![CDATA[corporation tax]]></category>
		<category><![CDATA[crunch]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[freelance]]></category>
		<category><![CDATA[freelancer]]></category>
		<category><![CDATA[freelancing]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[VAT]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=6765</guid>
		<description><![CDATA[As the dust settles after the June Budget Financial Planning Expert <a href="/author/paul-cleworth">Paul Cleworth</a> give us some <strong>good news for contractors</strong>.

TODO: Is a review of salary levels with your accountant requried?]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/budget-advice-for-contactors-review-your-salary-with-your-accountant/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Executive Income Protection for Freelancers and Contractors</title>
		<link>http://www.freelanceadvisor.co.uk/money/executive-income-protection-for-freelancers-and-contractors/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/executive-income-protection-for-freelancers-and-contractors/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 15:09:13 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[contractor]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[executive income protection]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[freelance]]></category>
		<category><![CDATA[freelancer]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=5840</guid>
		<description><![CDATA[As a contractor you may review your finances fairly often and look at your current and projected earnings to enable you to set effective budgets, for you personally and for your business moving forwards. This allows you to set future personal and financial goals, which could centre on retiring early to planning that big holiday away with your family.

These plans and your current lifestyle are supported by you continuing to work and generating a regular income. But what happens if you are unable to work due to illness?  Your level of income may well fall and your financial plans for the future may be compromised.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/executive-income-protection-for-freelancers-and-contractors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Easy Guide to End of Year Tax Planning</title>
		<link>http://www.freelanceadvisor.co.uk/money/download-the-easy-guide-to-end-of-year-tax-planning/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/download-the-easy-guide-to-end-of-year-tax-planning/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 16:03:58 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[accountancy & tax]]></category>
		<category><![CDATA[act now]]></category>
		<category><![CDATA[April 5th]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business profitability]]></category>
		<category><![CDATA[business strategies]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[financial strategies]]></category>
		<category><![CDATA[future]]></category>
		<category><![CDATA[independent financial advice]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[managing your personal finances]]></category>
		<category><![CDATA[National Insurance]]></category>
		<category><![CDATA[Paul Cleworth]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[reduce your taxes]]></category>
		<category><![CDATA[secure]]></category>
		<category><![CDATA[security future]]></category>
		<category><![CDATA[tax efficiency]]></category>
		<category><![CDATA[tax efficient]]></category>
		<category><![CDATA[tax increases]]></category>
		<category><![CDATA[tax liability]]></category>
		<category><![CDATA[tax year]]></category>
		<category><![CDATA[Wealth Matters]]></category>
		<category><![CDATA[year end]]></category>
		<category><![CDATA[year end tax guide]]></category>
		<category><![CDATA[Your Business]]></category>
		<category><![CDATA[your family]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=5198</guid>
		<description><![CDATA[While the effects of the recession on cash flow and business profitability are on the minds of most at present, the pending year end of April 5th 2010 provides an opportunity to ensure that your liability for the 2009/10 tax year is no greater than necessary.

In this year end tax guide, <a href="/author/paul-cleworth">Paul Cleworth</a> of <a href="/partner/wealth_matters">Wealth Matters</a> considers some of the ways you might act now to help you achieve a more tax efficient and secure future for you, your family and you business.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/download-the-easy-guide-to-end-of-year-tax-planning/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How does the Pre-Budget&#160;report affect Freelancers&#160;&amp;&#160;Contractors?</title>
		<link>http://www.freelanceadvisor.co.uk/money/pre-budget-report-for-freelancers-and-contractors/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/pre-budget-report-for-freelancers-and-contractors/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 12:33:25 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[pre-budget]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/x/4811/</guid>
		<description><![CDATA[Freelance Advisor and financial planning expert Paul Cleworth has been analyzing this month's Pre-Budget report to see if there are any gems for us freelancers and contractors.

We focus on how it affects contractors, the good and bad news as well as what opportunities there are for freelancers and contractors.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/pre-budget-report-for-freelancers-and-contractors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Long term investing for Freelancers</title>
		<link>http://www.freelanceadvisor.co.uk/money/long-term-term-investing-for-freelancers/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/long-term-term-investing-for-freelancers/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 09:35:51 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[Financial Advice]]></category>
		<category><![CDATA[Financial Adviser]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Long term investing]]></category>
		<category><![CDATA[Your Business]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=3693</guid>
		<description><![CDATA[Successful long term investment is not just about buying low and selling high. Stock markets rise and fall, and share prices are vulnerable to everything from political news to the weather. Trying to find your way around – particularly during times of high volatility and uncertainty – can feel like negotiating a minefield.

So how can we make sense of such a confusing world? It is probably time to go back to basics – stock markets may rise and fall, but the rules of sensible investment remain constant. Wealth Matters' Paul Cleworth gives us the low down.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/long-term-term-investing-for-freelancers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Tax efficient Death-In-Service benefits for Contractors with a Limited Company</title>
		<link>http://www.freelanceadvisor.co.uk/money/tax-efficient-death-in-service-benefits-for-contractors-with-a-limited-company/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/tax-efficient-death-in-service-benefits-for-contractors-with-a-limited-company/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 09:01:45 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Personal Insurance]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=4442</guid>
		<description><![CDATA[Permanent employees often have death-in-service cover as part of their contract of employment with typically ‘3-4 times your salary’ as the benefit, but for contractors who are often the only person who works in their company, there has been little scope to provide similar benefits, until now.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/tax-efficient-death-in-service-benefits-for-contractors-with-a-limited-company/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Freelance Financials: A taxing future for contractors?</title>
		<link>http://www.freelanceadvisor.co.uk/money/a-taxing-future/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/a-taxing-future/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 09:49:50 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Accountancy]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[Future of Freelancing]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=4192</guid>
		<description><![CDATA[In conjunction with PCG, Wealth Matters have been running a number of Contractor Seminars this year. When it comes to investing they've found quite a few questions keep repeating themselves among the 250-strong contractors in the audience. Today Wealth Matters' Director Paul Cleworth answers these questions for a wider contractor audience.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/a-taxing-future/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Freelance Finance: Are you ready for retirement?</title>
		<link>http://www.freelanceadvisor.co.uk/money/freelance-finance-are-you-ready-for-retirement/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/freelance-finance-are-you-ready-for-retirement/#comments</comments>
		<pubDate>Wed, 07 Oct 2009 13:26:07 +0000</pubDate>
		<dc:creator>Paul Cleworth</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Pensions]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=3729</guid>
		<description><![CDATA[You may not be thinking of retirement just yet, but it’s always worth being aware of rule changes that could impact on your pension. Paul Cleworth, Financial Planner and Director of Wealth Matters shows us freelancers and contractors how we can tee up our options…

Are you ready for retirement?]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/freelance-finance-are-you-ready-for-retirement/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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