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	<title>Ray Stewart</title>
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	<link>http://raystewart.biz</link>
	<description>Bookkeeper, Accountant and Business Advisor</description>
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		<title>Do You Really Want To Give The Taxman £493,500?</title>
		<link>http://raystewart.biz/2286/do-you-want-to-give-the-taxman-money/</link>
		<comments>http://raystewart.biz/2286/do-you-want-to-give-the-taxman-money/#comments</comments>
		<pubDate>Fri, 04 May 2012 23:11:16 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[Business and Management]]></category>
		<category><![CDATA[Planning]]></category>

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		<description><![CDATA[It’s a lot of money, isn’t it?  But that is how much someone earning £30,000 a year pays in taxes over their lifetime.  And for higher earners the amounts are even bigger. 

Of course we all have to pay our fair share of taxes.  But there is no reason why you should pay more than your fair share, is there???]]></description>
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		<item>
		<title>Why Are We So Resistant To Change?</title>
		<link>http://raystewart.biz/2275/why-are-we-so-resistant-to-change/</link>
		<comments>http://raystewart.biz/2275/why-are-we-so-resistant-to-change/#comments</comments>
		<pubDate>Sun, 29 Apr 2012 20:25:28 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[TCM4000]]></category>
		<category><![CDATA[Business and Management]]></category>
		<category><![CDATA[paperless office]]></category>
		<category><![CDATA[Planning]]></category>

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		<description><![CDATA[One thing I have found recently is clients discussing the need for change with me but when it comes to actually making the hard decisions, they bottle out and waste the work done and money spent up to that point]]></description>
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		<title>New Penalty Regime Starts To Bite &#8211; Hard!</title>
		<link>http://raystewart.biz/2262/new-penalty-regime-starts-to-bite-hard/</link>
		<comments>http://raystewart.biz/2262/new-penalty-regime-starts-to-bite-hard/#comments</comments>
		<pubDate>Sat, 03 Mar 2012 17:39:43 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[Hmrc]]></category>
		<category><![CDATA[self assessment]]></category>
		<category><![CDATA[Tax]]></category>

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		<description><![CDATA[HM Revenue &#038; Customs have introduced their new penalty structure for tax payers who, for whatever reason, fail to file their Self Assessment forms in line with the rules.  The new late filing penalties are upsetting a lot of people who had become used to the old system where the fine was reduced to £nil once the outstanding forms were eventually filed if it were shown there was no tax liability, or that all the tax had been paid by the 31st January]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Happy New Year!</title>
		<link>http://raystewart.biz/2168/happy-new-year-2/</link>
		<comments>http://raystewart.biz/2168/happy-new-year-2/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 21:28:01 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[recession busting tips]]></category>

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		<description><![CDATA[I have been reviewing the various reports I have written over the years and I came across my Recession Busting Tips report that was written in 2008 as we started the steady sink into the current recession.  Having re-read it I think the topics in there are as relevant today as they were 4 years ago]]></description>
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		<title>Changes For 2012 And Beyond!</title>
		<link>http://raystewart.biz/2137/changes-for-2012-and-beyond/</link>
		<comments>http://raystewart.biz/2137/changes-for-2012-and-beyond/#comments</comments>
		<pubDate>Tue, 27 Dec 2011 15:40:05 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[Accounts]]></category>
		<category><![CDATA[Business]]></category>

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		<description><![CDATA[A brief look at the important changes being made to client service and the wonderful opportunities being laid out before clients for their exclusive benefit!]]></description>
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		<title>National Minimum Wage Increase</title>
		<link>http://raystewart.biz/2095/national-minimum-wage-increase/</link>
		<comments>http://raystewart.biz/2095/national-minimum-wage-increase/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 21:29:31 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Bookkeeping]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[National Minimum Wage]]></category>
		<category><![CDATA[Payroll]]></category>

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		<description><![CDATA[A timely reminder that as from the 1st October 2011 the National Minimum Wage goes up. Please make sure you adjust your payroll for the new rates from tomorrow...

The main rate for workers aged 21 and over will increase to £6.08]]></description>
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		<title>What If You Can&#8217;t Pay Your VAT?</title>
		<link>http://raystewart.biz/2077/what-if-you-cant-pay-your-vat/</link>
		<comments>http://raystewart.biz/2077/what-if-you-cant-pay-your-vat/#comments</comments>
		<pubDate>Fri, 19 Aug 2011 14:18:50 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[vat]]></category>

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		<description><![CDATA[This is a question that has come up several times recently. Now the 20% rate has been with us for a while, small businesses are finding it harder and harder to meet their quarterly obligations. The trouble is that cash flow is hard work now and many small businesses are finding the VAT is getting swallowed up in day to day trading.]]></description>
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		<title>Would Your Books Pass The Records Check?</title>
		<link>http://raystewart.biz/1983/would-your-business-books-pass/</link>
		<comments>http://raystewart.biz/1983/would-your-business-books-pass/#comments</comments>
		<pubDate>Sat, 28 May 2011 19:20:39 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Bookkeeping]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[Hmrc]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1983</guid>
		<description><![CDATA[That is a question to ponder on....

Of course you would say YES - but would HMRC agree??

Our beloved government has issued a number of new tools on the HMRC website to allow you to test your records...  ]]></description>
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		<title>Stamp Duty Land Tax Changes</title>
		<link>http://raystewart.biz/1859/stamp-duty-land-tax-changes/</link>
		<comments>http://raystewart.biz/1859/stamp-duty-land-tax-changes/#comments</comments>
		<pubDate>Tue, 26 Apr 2011 12:27:23 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Tax Matters]]></category>
		<category><![CDATA[Hmrc]]></category>

		<guid isPermaLink="false">http://raystewart.biz/?p=1859</guid>
		<description><![CDATA[Here is a cheery Easter message about more changes introduced by our caring/sharing government...

HMRC are digging themselves deeper into our lives with the changes to the Stamp Duty Land Tax provisions.  Every property transaction since April 2011 has to be accompanied by a unique identifier of the lead purchaser...]]></description>
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		<title>Bookkeeping &#8211; Is There Another Way?</title>
		<link>http://raystewart.biz/1853/bookkeeping-is-there-another-way/</link>
		<comments>http://raystewart.biz/1853/bookkeeping-is-there-another-way/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 14:34:30 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Bookkeeping]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Outsourcing]]></category>

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		&#160; Go on&#8230;Imagine the benefits to your business if you were not bogged down and held back with the drudgery, hassle and pressure of maintaining your own business books and records. What could you do with that extra time? Concentrate on building  new customer relationships?  How much extra profit could those customers earn for your [...]]]></description>
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