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	<title>Freelance Advisor &#187; Money</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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	<itunes:category text="Society &#38; Culture" />
	<itunes:author>Freelance Advisor</itunes:author>
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		<item>
		<title>HMRC launches Alternative Dispute Resolution service for small businesses</title>
		<link>http://www.freelanceadvisor.co.uk/money/hmrc-launches-alternative-dispute-resolution-service-for-small-businesses/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/hmrc-launches-alternative-dispute-resolution-service-for-small-businesses/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 13:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[ADR]]></category>
		<category><![CDATA[Alternative Dispute Resolution]]></category>
		<category><![CDATA[BRC]]></category>
		<category><![CDATA[business record checks]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[dispute]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[record checks]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[SME's]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[tribunal]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=16792</guid>
		<description><![CDATA[HMRC yesterday launched a pilot of an Alternative Dispute Resolution service for SMEs, which aims to reduce to need for tribunals during HMRC's compliance checks. The scheme, which was trialled last year and saw 60% of disputes either fully or partially resolved, involves independent facilitators who work with both HMRC and business owners to ensure a quick and fair outcomes for both parties.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/hmrc-launches-alternative-dispute-resolution-service-for-small-businesses/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should / can freelancers boycott PayPal?</title>
		<link>http://www.freelanceadvisor.co.uk/money/should-can-freelancers-boycott-paypal/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/should-can-freelancers-boycott-paypal/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 10:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[bank transfer]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[boycott]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[client]]></category>
		<category><![CDATA[controversy]]></category>
		<category><![CDATA[dispute]]></category>
		<category><![CDATA[donations]]></category>
		<category><![CDATA[eBay]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[foreign payments]]></category>
		<category><![CDATA[paypal]]></category>
		<category><![CDATA[processing fees]]></category>
		<category><![CDATA[regretsy]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=16600</guid>
		<description><![CDATA[Ubiquitous online payment service PayPal has found itself in hot water again this week for shutting down a charity drive being run by comedy website Regretsy in order to buy disadvantaged children Christmas presents. According to the eBay-owned company, Regretsy was incorrectly using PayPal's "Donate" button, and in response has frozen their account, ordered them to refund all donations and is, naturally, hanging onto its processing fee.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/should-can-freelancers-boycott-paypal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The national minimum wage &#8211; thousands of workers underpaid</title>
		<link>http://www.freelanceadvisor.co.uk/money/the-national-minimum-wage-thousands-of-workers-underpaid/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/the-national-minimum-wage-thousands-of-workers-underpaid/#comments</comments>
		<pubDate>Thu, 13 Oct 2011 09:00:10 +0000</pubDate>
		<dc:creator>Lesley Furber</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[care workers]]></category>
		<category><![CDATA[employee]]></category>
		<category><![CDATA[freelancer]]></category>
		<category><![CDATA[loopholes]]></category>
		<category><![CDATA[minimum wage]]></category>
		<category><![CDATA[National Minimum Wage]]></category>
		<category><![CDATA[NMW]]></category>
		<category><![CDATA[Pay]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[social care workers]]></category>
		<category><![CDATA[statutory minimum wage]]></category>
		<category><![CDATA[underpaid]]></category>
		<category><![CDATA[underpaid workers]]></category>
		<category><![CDATA[worker]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=15907</guid>
		<description><![CDATA[Did you see the BBC Panorama programme last week, All Work and No Pay? As the National Minimum Wage increased to £6.08 on 1st October 2011 (for workers aged 21 and over) Panorama discovered that many British workers are still being paid much less than the law states]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/the-national-minimum-wage-thousands-of-workers-underpaid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Running a Groupon &#8211; shrewd move or financial folly?</title>
		<link>http://www.freelanceadvisor.co.uk/money/running-a-groupon-shrewd-move-or-financial-folly/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/running-a-groupon-shrewd-move-or-financial-folly/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 09:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[benefit]]></category>
		<category><![CDATA[cashflow]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[cost]]></category>
		<category><![CDATA[coupons]]></category>
		<category><![CDATA[customers]]></category>
		<category><![CDATA[daily deals]]></category>
		<category><![CDATA[discount]]></category>
		<category><![CDATA[discounts]]></category>
		<category><![CDATA[Groupon]]></category>
		<category><![CDATA[losses]]></category>
		<category><![CDATA[repeat business]]></category>
		<category><![CDATA[Reputation]]></category>
		<category><![CDATA[vouchers]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=15681</guid>
		<description><![CDATA[There has been a lot of talk about Groupon recently as they prepare to go public in the US. Officially recognised as the "fastest growing business ever", Groupon has attracted an audience of hundreds of millions of bargain hunters, all looking to take advantage of time-limited local deals, which Groupon source through small businesses.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/running-a-groupon-shrewd-move-or-financial-folly/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<category><![CDATA[cashflow]]></category>
		<category><![CDATA[compound interest]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[ISA]]></category>
		<category><![CDATA[portfolio]]></category>
		<category><![CDATA[profit]]></category>
		<category><![CDATA[savings]]></category>

		<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>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/how-to-become-a-millionaire-without-winning-the-lottery/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Less than two weeks left in HMRC VAT amnesty</title>
		<link>http://www.freelanceadvisor.co.uk/money/less-than-two-weeks-left-in-hmrc-vat-amnesty/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/less-than-two-weeks-left-in-hmrc-vat-amnesty/#comments</comments>
		<pubDate>Tue, 20 Sep 2011 09:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[cashflow]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mike Wells]]></category>
		<category><![CDATA[penalties]]></category>
		<category><![CDATA[VAT]]></category>
		<category><![CDATA[VAT registered]]></category>
		<category><![CDATA[VAT Registration]]></category>
		<category><![CDATA[VAT Threshold]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=15638</guid>
		<description><![CDATA[For the last few weeks the good people at Her Majesty's Revenue &#38; Customs have been running a VAT registration amnesty (called the VAT Initiative) for those earning above the VAT registration threshold who have not yet registered. We've written about the scheme before, but as the amnesty comes to an end in just 10 days, we thought it might be a good time for a reminder.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/less-than-two-weeks-left-in-hmrc-vat-amnesty/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Freelancers and Credit Cards: Three myths busted!</title>
		<link>http://www.freelanceadvisor.co.uk/money/freelancers-and-credit-cards-three-myths-busted/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/freelancers-and-credit-cards-three-myths-busted/#comments</comments>
		<pubDate>Mon, 05 Sep 2011 10:00:00 +0000</pubDate>
		<dc:creator>Choose.net</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[cashflow]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit control]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[small businesses]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=15418</guid>
		<description><![CDATA[Although some freelancers may find it more difficult to obtain a good credit card than a full-time employee, there’s a lot of disinformation flying around about freelancers and credit cards. Here we'll bust three common myths.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/freelancers-and-credit-cards-three-myths-busted/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HMRC &#8216;Ran out of paper&#8217;?</title>
		<link>http://www.freelanceadvisor.co.uk/money/hmrc-ran-out-of-paper/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/hmrc-ran-out-of-paper/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 09:00:17 +0000</pubDate>
		<dc:creator>Selina Murray</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[delay]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[freelancer]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[paying tax]]></category>
		<category><![CDATA[self-assessment]]></category>
		<category><![CDATA[self-employed]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[sole trader]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[tax return]]></category>
		<category><![CDATA[tax submission]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=15159</guid>
		<description><![CDATA[Could the real reason for the delay in UK businesses receiving tax payment reminder letters be that HMRC ran out of paper?]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/hmrc-ran-out-of-paper/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HMRC apologises for &#8220;poor performance&#8221;</title>
		<link>http://www.freelanceadvisor.co.uk/money/hmrc-apologises-for-poor-performance/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/hmrc-apologises-for-poor-performance/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 09:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[AWR]]></category>
		<category><![CDATA[customer service]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[IR35]]></category>
		<category><![CDATA[legislation]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[ots]]></category>
		<category><![CDATA[performance]]></category>
		<category><![CDATA[public-sector]]></category>
		<category><![CDATA[strike]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[tax law]]></category>
		<category><![CDATA[taxman]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=15072</guid>
		<description><![CDATA[After being blasted for their performance in 2010 in a report from the Treasury select committee, HMRC Chairman Mike Clasper has issued a public apology, and has pledged that the taxman's performance in 2011 will be radically improved.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/hmrc-apologises-for-poor-performance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The cheque lives to see another day</title>
		<link>http://www.freelanceadvisor.co.uk/money/the-cheque-lives-to-see-another-day/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/the-cheque-lives-to-see-another-day/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 09:00:12 +0000</pubDate>
		<dc:creator>Rachel Soothill</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cheque]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[freelancing]]></category>
		<category><![CDATA[getting paid]]></category>
		<category><![CDATA[industry]]></category>
		<category><![CDATA[invoices]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[Payments Council]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[WorldPay]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=14858</guid>
		<description><![CDATA[The decision by the Payments Council to not abolish cheques has been welcomed by small businesses who were concerned that no alternative viable payment system has been proposed.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/the-cheque-lives-to-see-another-day/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Free online tool launched to help small business employment</title>
		<link>http://www.freelanceadvisor.co.uk/legal-advice/free-online-tool-launched-to-help-small-business-employment/</link>
		<comments>http://www.freelanceadvisor.co.uk/legal-advice/free-online-tool-launched-to-help-small-business-employment/#comments</comments>
		<pubDate>Mon, 13 Jun 2011 12:00:02 +0000</pubDate>
		<dc:creator>Rachel Soothill</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[ACAS]]></category>
		<category><![CDATA[arbitration]]></category>
		<category><![CDATA[disciplinary]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[grievance]]></category>
		<category><![CDATA[Modern Workplace Tool]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[recruitment]]></category>
		<category><![CDATA[regulations]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[working time directive]]></category>
		<category><![CDATA[WTD]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=14200</guid>
		<description><![CDATA[A free online tool has been launched to help small-businesses comply with employment regulations, including recruitment, discipline, grievance procedures and the Working Time Directive. Developed by ACAS, who aim to improve employer-employee relations, the Modern Workplace tool lets employers assess their management techniques and offers practical advice on maintaining good employment relations.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/legal-advice/free-online-tool-launched-to-help-small-business-employment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Large Corporates biggest culprits for late payments</title>
		<link>http://www.freelanceadvisor.co.uk/money/large-corporates-biggest-culprits-for-late-payments/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/large-corporates-biggest-culprits-for-late-payments/#comments</comments>
		<pubDate>Fri, 27 May 2011 14:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Bacs]]></category>
		<category><![CDATA[chasing payment]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[credit control]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debtors]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[freelancing]]></category>
		<category><![CDATA[late paying clients]]></category>
		<category><![CDATA[late payment]]></category>
		<category><![CDATA[SME]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=14044</guid>
		<description><![CDATA[According to research by payment behemoth Bacs, Britain's small and medium businesses are being bent over the proverbial barrel by large corporates, who continue to be the worst offenders in terms of prompt payments. According to Bacs, half of the UK's SMEs have suffered late payments - the average payment period being a staggering 52 days.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/large-corporates-biggest-culprits-for-late-payments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ING research reveals men hopeless romantics, women fickle harpies</title>
		<link>http://www.freelanceadvisor.co.uk/money/ing-research-reveals-men-hopeless-romantics-women-fickle-harpies/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/ing-research-reveals-men-hopeless-romantics-women-fickle-harpies/#comments</comments>
		<pubDate>Tue, 24 May 2011 10:30:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[blog]]></category>
		<category><![CDATA[building society]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[ING]]></category>
		<category><![CDATA[men]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[pension]]></category>
		<category><![CDATA[research]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[UK]]></category>
		<category><![CDATA[women]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=13877</guid>
		<description><![CDATA[New research has revealed the spending habits of the men and women of the UK, and the results make for interesting reading. The study revealed that millions around Britain are squireling money away without the knowledge of their partner, but for very different reasons.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/ing-research-reveals-men-hopeless-romantics-women-fickle-harpies/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>HMRC announce new scheme to tackle tax evasion</title>
		<link>http://www.freelanceadvisor.co.uk/money/hmrc-announce-new-scheme-to-tackle-tax-evasion/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/hmrc-announce-new-scheme-to-tackle-tax-evasion/#comments</comments>
		<pubDate>Thu, 19 May 2011 13:30:26 +0000</pubDate>
		<dc:creator>Rachel Soothill</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[freelance]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[freelancing]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Tax]]></category>
		<category><![CDATA[tax avoidance]]></category>
		<category><![CDATA[tax evasion]]></category>
		<category><![CDATA[tax fraud]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=13812</guid>
		<description><![CDATA[Although this does not relate to you, our honest and straight-laced freelance readers, we thought we would just fill you in on the latest HMRC initiative designed to bust the tax dodgers. Following their "amnesty for all" announcement HM Revenue &#38; Customs have now unveiled a new tax evasion unit that offers reduced penalties for those who come clean on undeclared income.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/hmrc-announce-new-scheme-to-tackle-tax-evasion/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A guide to getting your own way, by being a gigantic dick</title>
		<link>http://www.freelanceadvisor.co.uk/lifestyle-and-timeout/a-guide-to-getting-your-own-way-by-being-a-gigantic-dick/</link>
		<comments>http://www.freelanceadvisor.co.uk/lifestyle-and-timeout/a-guide-to-getting-your-own-way-by-being-a-gigantic-dick/#comments</comments>
		<pubDate>Tue, 17 May 2011 14:00:01 +0000</pubDate>
		<dc:creator>TimothyTim</dc:creator>
				<category><![CDATA[Guides]]></category>
		<category><![CDATA[Lifestyle & Time out]]></category>
		<category><![CDATA[Apple]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[opinion]]></category>
		<category><![CDATA[promotion]]></category>
		<category><![CDATA[Rant]]></category>
		<category><![CDATA[Steve Jobs]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=12602</guid>
		<description><![CDATA[Didn't we take over a bunch of banks? Didn't the government promise on bended-knee that they would not let the rich irresponsible cretins in "the city" screw us again, at least until we had time to get our collective lipstick on?]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/lifestyle-and-timeout/a-guide-to-getting-your-own-way-by-being-a-gigantic-dick/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>[Money Monday] VAT on bank interest ruled illegal &#8211; time to claim it back!</title>
		<link>http://www.freelanceadvisor.co.uk/money/vat-on-bank-interest-deemed-illegal-time-to-claim-it-back/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/vat-on-bank-interest-deemed-illegal-time-to-claim-it-back/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 09:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[bank account]]></category>
		<category><![CDATA[flat rate]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[tribunal]]></category>
		<category><![CDATA[VAT]]></category>
		<category><![CDATA[VAT on interest]]></category>
		<category><![CDATA[VAT registered]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=12866</guid>
		<description><![CDATA[Those of you on a flat-rate VAT scheme are in for a treat - a small treat, but a treat nonetheless. A recent tribunal ruling has deemed that HMRC charging VAT on interest gained through bank balances and savings is illegal, meaning that the practise will cease, pending a possible appeal from HMRC.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/vat-on-bank-interest-deemed-illegal-time-to-claim-it-back/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>HMRC chasing self-employed tax credit cheats</title>
		<link>http://www.freelanceadvisor.co.uk/money/hmrc-chasing-self-employed-tax-credit-cheats/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/hmrc-chasing-self-employed-tax-credit-cheats/#comments</comments>
		<pubDate>Thu, 24 Feb 2011 13:00:00 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[benefit fraud]]></category>
		<category><![CDATA[claim]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[crackdown]]></category>
		<category><![CDATA[credit cheats]]></category>
		<category><![CDATA[David Gauke]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[Freelancers]]></category>
		<category><![CDATA[HMRC]]></category>
		<category><![CDATA[self-employed]]></category>
		<category><![CDATA[tax credits]]></category>
		<category><![CDATA[tax fraud]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=12022</guid>
		<description><![CDATA[Of course we're not talking about you. We know the Freelance Advisor readership are bastions of honesty, purity and fiscal responsibility. We just thought we'd let you know anyway, so you can warn your less-scrupulous friends about HMRC's latest clampdown.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/hmrc-chasing-self-employed-tax-credit-cheats/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Enterprise Allowance expansion boosts entrepreneurial potential</title>
		<link>http://www.freelanceadvisor.co.uk/news/new-enterprise-allowance-expansion-boosts-entrepreneurial-potential/</link>
		<comments>http://www.freelanceadvisor.co.uk/news/new-enterprise-allowance-expansion-boosts-entrepreneurial-potential/#comments</comments>
		<pubDate>Wed, 05 Jan 2011 11:41:04 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[contractor]]></category>
		<category><![CDATA[enterprise]]></category>
		<category><![CDATA[entrepreneur]]></category>
		<category><![CDATA[entrepreneurialism]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[freelancer]]></category>
		<category><![CDATA[funding]]></category>
		<category><![CDATA[getting started]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[Mark Prisk]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[NEA]]></category>
		<category><![CDATA[New Enterprise Allowance]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=11180</guid>
		<description><![CDATA[A little while ago the UK's incumbent Franken-government announced the introduction of the New Enterprise Allowance (or NEA for acronym fans), a scheme to provide a £2,000 grant, small business loan and expert guidance to unemployed people looking to start their own businesses.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/news/new-enterprise-allowance-expansion-boosts-entrepreneurial-potential/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying new office chairs? Get money back for your old ones!</title>
		<link>http://www.freelanceadvisor.co.uk/money/buying-new-office-chairs-get-money-back-for-your-old-ones/</link>
		<comments>http://www.freelanceadvisor.co.uk/money/buying-new-office-chairs-get-money-back-for-your-old-ones/#comments</comments>
		<pubDate>Thu, 28 Oct 2010 09:00:58 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[chairs]]></category>
		<category><![CDATA[discount]]></category>
		<category><![CDATA[eco]]></category>
		<category><![CDATA[green]]></category>
		<category><![CDATA[home office]]></category>
		<category><![CDATA[posture]]></category>
		<category><![CDATA[Posture People]]></category>
		<category><![CDATA[recycling]]></category>
		<category><![CDATA[seating]]></category>
		<category><![CDATA[seats]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=9922</guid>
		<description><![CDATA[If you read our office chairs guide recently and were suddenly gripped by the desire to upgrade your current seating, we may have found just the thing for you!]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/money/buying-new-office-chairs-get-money-back-for-your-old-ones/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Save Money by Switching to Open Source Software</title>
		<link>http://www.freelanceadvisor.co.uk/freelance-technology/save-money-by-switching-to-open-source-software/</link>
		<comments>http://www.freelanceadvisor.co.uk/freelance-technology/save-money-by-switching-to-open-source-software/#comments</comments>
		<pubDate>Tue, 21 Sep 2010 11:12:47 +0000</pubDate>
		<dc:creator>Jon Norris</dc:creator>
				<category><![CDATA[Guides]]></category>
		<category><![CDATA[Resources]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[guide]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[open source]]></category>
		<category><![CDATA[productivity]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[software]]></category>

		<guid isPermaLink="false">http://www.freelanceadvisor.co.uk/?p=9139</guid>
		<description><![CDATA[Software comes in many different flavours these days.  The majority, from Microsoft, Apple and the like, is closed source - meaning the developers don’t release the source code their software is based on, which helps them protect both their intellectual property and bottom line.  A growing percentage of software, however, is Open Source, meaning the developer releases the source code for anybody to poke around in and change as they see fit, and, most importantly for you and I, the software is almost always free.]]></description>
		<wfw:commentRss>http://www.freelanceadvisor.co.uk/freelance-technology/save-money-by-switching-to-open-source-software/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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	</channel>
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