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	<title>Unbiased Financial Advice Blog</title>
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	<link>http://www.unbiased.co.uk/blog</link>
	<description>Get Professional Finance Advice - Unbiased</description>
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		<title>Interest Only Borrowers Under Siege</title>
		<link>http://www.unbiased.co.uk/blog/interest-only-borrowers-under-siege?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=interest-only-borrowers-under-siege</link>
		<comments>http://www.unbiased.co.uk/blog/interest-only-borrowers-under-siege#comments</comments>
		<pubDate>Tue, 01 May 2012 13:46:47 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[Mortgage advice]]></category>
		<category><![CDATA[intrest only mortgage]]></category>
		<category><![CDATA[mortgage advice]]></category>
		<category><![CDATA[mortgage repayment]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=414</guid>
		<description><![CDATA[Any mortgage borrower in the UK is likely to be aware of the tough lending conditions that have dominated the market in the last few years. Lenders have tightened their criteria and getting a mortgage has become much harder than it was in the boom years. The goal posts continue to move even now, as [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Rules to Break Open Pension Pots</title>
		<link>http://www.unbiased.co.uk/blog/new-rules-to-break-open-pension-pots?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-rules-to-break-open-pension-pots</link>
		<comments>http://www.unbiased.co.uk/blog/new-rules-to-break-open-pension-pots#comments</comments>
		<pubDate>Wed, 11 Apr 2012 16:39:13 +0000</pubDate>
		<dc:creator>David Gow</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[Pension advice]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[pension advice]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=392</guid>
		<description><![CDATA[THE government have introduced new flexibility for pension savers with small pension pots, allowing them to take their fund as a one-off lump sum rather than having to buy an income with it. HM Revenue &#38; Customs estimates that this will affect around 25,000 people who are aged over 60, who have total pension rights [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Tax Year Planning</title>
		<link>http://www.unbiased.co.uk/blog/new-tax-year-planning?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=new-tax-year-planning</link>
		<comments>http://www.unbiased.co.uk/blog/new-tax-year-planning#comments</comments>
		<pubDate>Thu, 05 Apr 2012 15:40:05 +0000</pubDate>
		<dc:creator>Daniel Clayden</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[ISAs]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=380</guid>
		<description><![CDATA[As we enter a new tax year, the big question has to be ‘What part of my finances should I be looking at right now?’ The overriding issue has to be making sure that your money does not leak away due to tax inefficiency, in other words ensuring that you don’t pay more tax than [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/new-tax-year-planning/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>George Osborne&#8217;s &#8216;Reforming Budget&#8217;</title>
		<link>http://www.unbiased.co.uk/blog/george-osbornes-reforming-budget?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=george-osbornes-reforming-budget</link>
		<comments>http://www.unbiased.co.uk/blog/george-osbornes-reforming-budget#comments</comments>
		<pubDate>Thu, 22 Mar 2012 16:39:30 +0000</pubDate>
		<dc:creator>Danny Cox</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[2012 budget]]></category>
		<category><![CDATA[tax]]></category>
		<category><![CDATA[tax advice]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[tax rate]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=370</guid>
		<description><![CDATA[George Osborne described this as the “reforming Budget” with the aim of stimulating the economy in part by reducing tax for lower earners and companies. It is important to put this Budget in context. The Budget deficit, the amount of new money we are borrowing year on year is falling but the total Public Sector [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/george-osbornes-reforming-budget/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Q &amp; A with Karen Barrett &#8211; Money Management</title>
		<link>http://www.unbiased.co.uk/blog/q-a-with-karen-barrett-financial-times?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=q-a-with-karen-barrett-financial-times</link>
		<comments>http://www.unbiased.co.uk/blog/q-a-with-karen-barrett-financial-times#comments</comments>
		<pubDate>Mon, 19 Mar 2012 15:56:07 +0000</pubDate>
		<dc:creator>Karen Barrett - Unbiased</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[Mortgage advice]]></category>
		<category><![CDATA[financial answers]]></category>
		<category><![CDATA[financial questions]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=360</guid>
		<description><![CDATA[Karen Barrett, chief executive of adviser directory unbiased.co.uk, plans a tasty alternative career and says people’s love affair with houses is not over. What was your first ever investment? An Aberdeen technology ISA, which was absolutely the worst decision anyone could have made as it was just before the dotcom bubble burst. Where were you [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/q-a-with-karen-barrett-financial-times/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to find the right ethical investment for you</title>
		<link>http://www.unbiased.co.uk/blog/how-to-find-the-right-ethical-investment-for-you?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-find-the-right-ethical-investment-for-you</link>
		<comments>http://www.unbiased.co.uk/blog/how-to-find-the-right-ethical-investment-for-you#comments</comments>
		<pubDate>Fri, 16 Mar 2012 16:43:53 +0000</pubDate>
		<dc:creator>Anna Sofat</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[ethical advice]]></category>
		<category><![CDATA[ethical investment]]></category>
		<category><![CDATA[ethical investment advice]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[investment advisers]]></category>
		<category><![CDATA[investment research]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=346</guid>
		<description><![CDATA[Most of us like to think we’re doing our bit for the environment, be it recycling or switching to energy-saving light bulbs, but now more than ever, investors are seeing the attraction in this area for their money. Ethical investments have been available for nearly three decades although it is only recently that they have [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/how-to-find-the-right-ethical-investment-for-you/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Take Tax Action</title>
		<link>http://www.unbiased.co.uk/blog/take-tax-action?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=take-tax-action</link>
		<comments>http://www.unbiased.co.uk/blog/take-tax-action#comments</comments>
		<pubDate>Fri, 02 Mar 2012 07:30:40 +0000</pubDate>
		<dc:creator>Karen Barrett - Unbiased</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[IFAs]]></category>
		<category><![CDATA[tax action]]></category>
		<category><![CDATA[tax action 2012]]></category>
		<category><![CDATA[tax advice]]></category>
		<category><![CDATA[tax planning]]></category>
		<category><![CDATA[tax wastage]]></category>
		<category><![CDATA[taxation]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=337</guid>
		<description><![CDATA[Lots of us – particularly in the current economic climate – have got our heads round having our loyalty cards with us when we’re out shopping, or searching online voucher sites for discounts before we head out for a meal.  Checking prices online when making higher value purchases is second nature too and we’re all [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/take-tax-action/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>What to be aware of in the run up to the ISA season</title>
		<link>http://www.unbiased.co.uk/blog/what-to-be-aware-of-in-the-run-up-to-the-isa-season?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-to-be-aware-of-in-the-run-up-to-the-isa-season</link>
		<comments>http://www.unbiased.co.uk/blog/what-to-be-aware-of-in-the-run-up-to-the-isa-season#comments</comments>
		<pubDate>Mon, 20 Feb 2012 14:34:12 +0000</pubDate>
		<dc:creator>Jason Witcombe</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[Investment advice]]></category>
		<category><![CDATA[Cash ISA]]></category>
		<category><![CDATA[financial year]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[ISAs]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=329</guid>
		<description><![CDATA[Those who leave their ISA subscription until the end of the tax year will have the usual mad rush to get their investments made by 5th April, which falls on a Thursday this year, and the more organised amongst us will be wanting to get the applications in as early as possible in the 2012/13 [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/what-to-be-aware-of-in-the-run-up-to-the-isa-season/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Rise in State pension age: are you affected?</title>
		<link>http://www.unbiased.co.uk/blog/rise-in-state-pension-age-are-you-affected?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=rise-in-state-pension-age-are-you-affected</link>
		<comments>http://www.unbiased.co.uk/blog/rise-in-state-pension-age-are-you-affected#comments</comments>
		<pubDate>Mon, 13 Feb 2012 14:03:15 +0000</pubDate>
		<dc:creator>David Gow</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Pension advice]]></category>
		<category><![CDATA[Savings advice]]></category>
		<category><![CDATA[pension schemes]]></category>
		<category><![CDATA[private pension]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[state pension]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=317</guid>
		<description><![CDATA[THE State pension was introduced a century ago when a quarter of working people died before they reached retirement and those who did drew it for an average of just five years. Today we’re all living much longer, so it’s not surprising that the State pension age is set to rocket. What’s changing? The State [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/rise-in-state-pension-age-are-you-affected/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions &#8211; cutting through the jargon</title>
		<link>http://www.unbiased.co.uk/blog/pensions-cutting-through-the-jargon?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=pensions-cutting-through-the-jargon</link>
		<comments>http://www.unbiased.co.uk/blog/pensions-cutting-through-the-jargon#comments</comments>
		<pubDate>Mon, 06 Feb 2012 18:11:06 +0000</pubDate>
		<dc:creator>Tim Jones</dc:creator>
				<category><![CDATA[Financial advice]]></category>
		<category><![CDATA[Pension advice]]></category>
		<category><![CDATA[NEST]]></category>
		<category><![CDATA[pension scheme]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement planning]]></category>

		<guid isPermaLink="false">http://www.unbiased.co.uk/blog/?p=309</guid>
		<description><![CDATA[If pensions jargon leaves you confused, you aren’t alone. But jargon isn’t just annoying, our research tells us it’s one of the reasons people give for not saving for retirement. Recent research carried out for NEST by YouGov showed that one in three people are put off thinking about retirement planning because they find pensions [...]]]></description>
		<wfw:commentRss>http://www.unbiased.co.uk/blog/pensions-cutting-through-the-jargon/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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