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	<title>Ray Stewart</title>
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	<link>http://raystewart.biz</link>
	<description>Bookkeeper, Accountant and Business Advisor</description>
	<lastBuildDate>Fri, 05 Mar 2010 22:31:49 +0000</lastBuildDate>
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			<item>
		<title>I Couldn&#8217;t Resist This &#8211; It Is Just Brilliant!</title>
		<link>http://raystewart.biz/1230/i-couldnt-resist-this-it-is-just-brilliant/</link>
		<comments>http://raystewart.biz/1230/i-couldnt-resist-this-it-is-just-brilliant/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 22:31:49 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Videos]]></category>
		<category><![CDATA[Classical Guitar Player]]></category>
		<category><![CDATA[mozart]]></category>
		<category><![CDATA[Music Teacher]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1230</guid>
		<description><![CDATA[As an ex-classical guitar player, I was truly amazed when Matt's music teacher showed us this after his lesson this week for a bit of light relief:-]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will You Be Brave Enough To Help Me Today?</title>
		<link>http://raystewart.biz/1187/will-you-be-brave-enough-to-help-me-today/</link>
		<comments>http://raystewart.biz/1187/will-you-be-brave-enough-to-help-me-today/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 08:04:04 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Atheletes]]></category>
		<category><![CDATA[Bible]]></category>
		<category><![CDATA[Brain]]></category>
		<category><![CDATA[Brave Volunteers]]></category>
		<category><![CDATA[Businesspeople]]></category>
		<category><![CDATA[Compilation]]></category>
		<category><![CDATA[Deep Breath]]></category>
		<category><![CDATA[Elite Athletes]]></category>
		<category><![CDATA[Email]]></category>
		<category><![CDATA[Exercise]]></category>
		<category><![CDATA[Few Minutes]]></category>
		<category><![CDATA[Kerry]]></category>
		<category><![CDATA[Mindset]]></category>
		<category><![CDATA[Olympic Champions]]></category>
		<category><![CDATA[Paragraphs]]></category>
		<category><![CDATA[Perspective]]></category>
		<category><![CDATA[Self Help Books]]></category>
		<category><![CDATA[Strengths And Weaknesses]]></category>
		<category><![CDATA[Strengths Weaknesses]]></category>
		<category><![CDATA[Waterstones]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1187</guid>
		<description><![CDATA[I was browsing through Waterstones in Loughborough the other day when I stumbled over a newly published book called "The Winner's Bible" by Dr Kerry Spackman.  This author has coached many top atheletes and business people and I am always curious about the mindset of really successful people, so I bought it.

I will report in full when I have finished working through the book, but at the moment I am stuck on chapter 3 (Your Strengths, Weaknesses and Repeated Mistakes) and I have to say it is uncomfortable work.  Self Help books that I have read in the past have never probed as deep as this one so I think this one may actually have some real benefit.  So, uncomfortable or not, I will do the exercise. 

This is where I need some brave volunteers....  ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Have You Made A Will Yet?</title>
		<link>http://raystewart.biz/1183/have-you-made-a-will-yet/</link>
		<comments>http://raystewart.biz/1183/have-you-made-a-will-yet/#comments</comments>
		<pubDate>Fri, 05 Feb 2010 18:06:23 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Bbc]]></category>
		<category><![CDATA[Bbc Program]]></category>
		<category><![CDATA[Breakfast Television]]></category>
		<category><![CDATA[Executor]]></category>
		<category><![CDATA[Government Coffers]]></category>
		<category><![CDATA[Heir Hunters]]></category>
		<category><![CDATA[Last Will And Testament]]></category>
		<category><![CDATA[Love]]></category>
		<category><![CDATA[Madness]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Pen To Paper]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Probate]]></category>
		<category><![CDATA[Relatives]]></category>
		<category><![CDATA[Rightful Heirs]]></category>
		<category><![CDATA[Will And Testament]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1183</guid>
		<description><![CDATA[Now that the Tax madness which seems to accompany every January has abated, it is time to look at what happens when the other certainty in life gets us.   Taxes get us regularly, but the other, Death, fortunately only gets us once.

The statement of our last wishes, and how we would like our earthly property to be distributed, is known as a "Last Will and Testament", or Will for short.

This topic has been mentioned quite regularly on recent editions of Breakfast Television and of course highlighted every day by the BBC program Heir Hunters]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Forget The VAT Increase!!</title>
		<link>http://raystewart.biz/1177/dont-forget-the-vat-increase/</link>
		<comments>http://raystewart.biz/1177/dont-forget-the-vat-increase/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 21:59:19 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Bookkeeping Program]]></category>
		<category><![CDATA[Business Strategies]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas Break]]></category>
		<category><![CDATA[Contact]]></category>
		<category><![CDATA[Fraction]]></category>
		<category><![CDATA[happy new year]]></category>
		<category><![CDATA[Necessary Piece]]></category>
		<category><![CDATA[New Year]]></category>
		<category><![CDATA[Reminder]]></category>
		<category><![CDATA[Vat Rate]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1177</guid>
		<description><![CDATA[Just a quick reminder that the VAT rate increased again today from 15% back to 17.5%.  Make sure your bookkeeping program is adjusted to reflect this.  If you need any help in adjusting your program please ring me on 0800 047 0731 or use the contact page on the website.  To work out the VAT from a total amount, you must use again the fraction 7/47 - an awkward but necessary piece of maths!]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>By-Election Will Put North West Leics On The Map!</title>
		<link>http://raystewart.biz/1173/by-election-will-put-north-west-leics-on-the-map/</link>
		<comments>http://raystewart.biz/1173/by-election-will-put-north-west-leics-on-the-map/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 17:20:30 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Amp]]></category>
		<category><![CDATA[Boxing Day]]></category>
		<category><![CDATA[Calke Abbey]]></category>
		<category><![CDATA[Chats]]></category>
		<category><![CDATA[Constituency]]></category>
		<category><![CDATA[Constituents]]></category>
		<category><![CDATA[County Councillor]]></category>
		<category><![CDATA[David Taylor]]></category>
		<category><![CDATA[Election]]></category>
		<category><![CDATA[Gb]]></category>
		<category><![CDATA[General Election]]></category>
		<category><![CDATA[Labour Mp]]></category>
		<category><![CDATA[Leics]]></category>
		<category><![CDATA[Local Councillor]]></category>
		<category><![CDATA[Main Event]]></category>
		<category><![CDATA[Mop]]></category>
		<category><![CDATA[No Doubt]]></category>
		<category><![CDATA[Parliament]]></category>
		<category><![CDATA[Party Leadership]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Retirement Age]]></category>
		<category><![CDATA[Simple Pleasure]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1173</guid>
		<description><![CDATA[I read with regret that our local MP David Taylor sadly died on boxing day whilst out walking with his family at Calke Abbey.  Although David was a labour MP he worked hard for his constituents and was well known locally for challenging the party leadership when he didn't like or agree with their policies.]]></description>
		<wfw:commentRss>http://raystewart.biz/1173/by-election-will-put-north-west-leics-on-the-map/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Wishing You All A Merry Christmas!!</title>
		<link>http://raystewart.biz/1169/wishing-you-all-a-merry-christmas/</link>
		<comments>http://raystewart.biz/1169/wishing-you-all-a-merry-christmas/#comments</comments>
		<pubDate>Thu, 24 Dec 2009 16:33:45 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Business Clients]]></category>
		<category><![CDATA[Chauffeur]]></category>
		<category><![CDATA[Different Market]]></category>
		<category><![CDATA[Downturn]]></category>
		<category><![CDATA[Executive Travel]]></category>
		<category><![CDATA[Family Pressures]]></category>
		<category><![CDATA[Fosse Park Leicester]]></category>
		<category><![CDATA[Job Security]]></category>
		<category><![CDATA[Lack Of Time]]></category>
		<category><![CDATA[Living Memory]]></category>
		<category><![CDATA[Local Sites]]></category>
		<category><![CDATA[Luxury Services]]></category>
		<category><![CDATA[Merry Christmas]]></category>
		<category><![CDATA[Money Debt]]></category>
		<category><![CDATA[Private Hire]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[Road Users]]></category>
		<category><![CDATA[Rocking Horse]]></category>
		<category><![CDATA[Staff Meetings]]></category>
		<category><![CDATA[Starbuck]]></category>
		<category><![CDATA[Tax Investigations]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1169</guid>
		<description><![CDATA[I just have time, as I wind down for the holiday, to think back over the past year and of the changes implemented, new client's met, tax investigations handled, and how everyone has met the worst recession in living memory with humour and determination.

Many familiar, large, businesses have left our lives this year, most notably for us was the loss of Borders at Fosse Park, Leicester, which finally closed at 9pm on the 22nd December.  It was]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Can Now Pay Your Self Assessment Tax By Budget Plan</title>
		<link>http://raystewart.biz/1167/you-can-now-pay-your-self-assessment-tax-by-budget-plan/</link>
		<comments>http://raystewart.biz/1167/you-can-now-pay-your-self-assessment-tax-by-budget-plan/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 11:42:36 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[Amp]]></category>
		<category><![CDATA[Arrears]]></category>
		<category><![CDATA[Budget Help]]></category>
		<category><![CDATA[Budget Plan]]></category>
		<category><![CDATA[Cheque In The Post]]></category>
		<category><![CDATA[Customs]]></category>
		<category><![CDATA[Direct Debit]]></category>
		<category><![CDATA[Due Date]]></category>
		<category><![CDATA[Instalments]]></category>
		<category><![CDATA[Nip]]></category>
		<category><![CDATA[Opportunity]]></category>
		<category><![CDATA[Pay Taxes]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Period Of Time]]></category>
		<category><![CDATA[self assessment]]></category>
		<category><![CDATA[Self Assessment Tax]]></category>
		<category><![CDATA[Tax Affairs]]></category>
		<category><![CDATA[Tax Liabilities]]></category>
		<category><![CDATA[Tax Payments]]></category>
		<category><![CDATA[Taxpayers]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1167</guid>
		<description><![CDATA[The government have introduced a budget plan to help people to pay their self assessment taxes over a period of time by direct debit.  The plan only applies to those people whose tax affairs (and payments) are right up to date though.  If you are one of those lucky people, you probably don't need the opportunity to pay by instalments via direct debit, but you can also use the scheme to arrange your payment due on the 31st January 2010 to be paid in full by direct debit as well.

If you are behind with your tax payments...]]></description>
		<wfw:commentRss>http://raystewart.biz/1167/you-can-now-pay-your-self-assessment-tax-by-budget-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tax Free Perks You Can Give Your Employees</title>
		<link>http://raystewart.biz/1164/tax-free-perks-you-can-give-your-employees/</link>
		<comments>http://raystewart.biz/1164/tax-free-perks-you-can-give-your-employees/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 10:23:52 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[Bicycles]]></category>
		<category><![CDATA[Childcare Costs]]></category>
		<category><![CDATA[Christmas Party]]></category>
		<category><![CDATA[Downside]]></category>
		<category><![CDATA[employees]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Journeys]]></category>
		<category><![CDATA[Luncheon Vouchers]]></category>
		<category><![CDATA[Mileage]]></category>
		<category><![CDATA[Mileage Allowances]]></category>
		<category><![CDATA[Motorcycles]]></category>
		<category><![CDATA[Nanny]]></category>
		<category><![CDATA[National Insurance]]></category>
		<category><![CDATA[Parking Space]]></category>
		<category><![CDATA[Party Provider]]></category>
		<category><![CDATA[Pence]]></category>
		<category><![CDATA[Removal Expenses]]></category>
		<category><![CDATA[Sized Business]]></category>
		<category><![CDATA[Staff Parties]]></category>
		<category><![CDATA[tax free perks]]></category>
		<category><![CDATA[Third Party]]></category>
		<category><![CDATA[Trasport]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1164</guid>
		<description><![CDATA[I was recently asked by the owner of a fair sized business if there were still any perks he could give his employees that didn't attract tax and national insurance.  The answer, even in these days of high tax, is yes - unbelievably!

I started to list a few things down and realized this would make interesting reading for a fair number of employers who are sick to the back teeth of having everything they try and give their employees taxed to the point of it no longer being worthwhile doing]]></description>
		<wfw:commentRss>http://raystewart.biz/1164/tax-free-perks-you-can-give-your-employees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Recession Busting Tips Report Reminder!</title>
		<link>http://raystewart.biz/1160/recession-busting-tips-report-reminder/</link>
		<comments>http://raystewart.biz/1160/recession-busting-tips-report-reminder/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 16:34:58 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Light Reading]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[recession busting tips]]></category>
		<category><![CDATA[Reminder]]></category>
		<category><![CDATA[Subscribers]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1160</guid>
		<description><![CDATA[Just a quick post this afternoon to alert/remind those more recent subscribers here who may have missed the opportunity last year to download the Recession Busting Tips report that I gave away - that the full free report can still be downloaded from the Recession Busting Tips website.]]></description>
		<wfw:commentRss>http://raystewart.biz/1160/recession-busting-tips-report-reminder/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>VAT Question From A Publican!</title>
		<link>http://raystewart.biz/1157/vat-question-from-a-publican/</link>
		<comments>http://raystewart.biz/1157/vat-question-from-a-publican/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 12:49:55 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[VAT]]></category>
		<category><![CDATA[Bookkeeping]]></category>
		<category><![CDATA[Clock]]></category>
		<category><![CDATA[Confusion]]></category>
		<category><![CDATA[Eve]]></category>
		<category><![CDATA[Hmrc]]></category>
		<category><![CDATA[Hosting]]></category>
		<category><![CDATA[New Year]]></category>
		<category><![CDATA[Premises]]></category>
		<category><![CDATA[Publican]]></category>
		<category><![CDATA[Pubs]]></category>
		<category><![CDATA[Restaurants]]></category>
		<category><![CDATA[vat]]></category>
		<category><![CDATA[Vat Rate]]></category>
		<category><![CDATA[vat rates]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1157</guid>
		<description><![CDATA[I have just been asked about the VAT increase that is due to happen at 00:01 a.m. on the 1st January 2010 back to 17.5% and how it affect Pubs/Restaurants that are hosting a New Year's Eve party.   I thought it a good idea to clarify this point for everybody who may be wondering.

The rate is due to change at that moment, but for publicans/restaurants lucky enough (these days) to enjoy a busy New Year's Eve party at their Premises,]]></description>
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		<slash:comments>0</slash:comments>
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