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 <title>all Articles</title>
 <link>http://www.essentialmoney.co.uk/articles/%2A</link>
 <description>A list of articles written for the dental press</description>
 <language>en-US</language>
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 <title>NHS Pension Scheme Proposal to increase contributions - ADDITIONAL Q&amp;A</title>
 <link>http://www.essentialmoney.co.uk/articles/nhs-pension-scheme-proposal-increase-contributions-additional-qa</link>
 <description>&lt;p&gt;&lt;strong&gt;How can I find out how these proposals will affect me?&lt;/strong&gt;&lt;br /&gt;
Use the calculator at &lt;a href=&quot;http://www.dh.gov.uk/en/Consultations/Liveconsultations/DH_128710&quot; title=&quot;www.dh.gov.uk/en/Consultations/Liveconsultations/DH_128710&quot;&gt;www.dh.gov.uk/en/Consultations/Liveconsultations/DH_128710&lt;/a&gt; &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/nhs-pension-scheme-proposal-increase-contributions-additional-qa&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/18">Retirement</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <pubDate>Thu, 06 Oct 2011 14:17:25 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">410 at http://www.essentialmoney.co.uk</guid>
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 <title>NHS Pension Changes</title>
 <link>http://www.essentialmoney.co.uk/articles/nhs-pension-reforms-Oct11</link>
 <description>&lt;p&gt;As a result of Lord Huttons report into public sector pensions, the Government has made it clear they will introduce changes to the NHS pension scheme in 2015.&lt;/p&gt;
&lt;p&gt;The good news is that they have also made a commitment that all pension benefits earned up to that point will be protected. &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/nhs-pension-reforms-Oct11&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/category/keywords/pensions">Pensions</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/18">Retirement</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <enclosure url="http://www.essentialmoney.co.uk/files/dh_128799.pdf" length="220663" type="application/pdf" />
 <pubDate>Thu, 06 Oct 2011 14:03:33 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">409 at http://www.essentialmoney.co.uk</guid>
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 <title>Limited Companies For Dentists </title>
 <link>http://www.essentialmoney.co.uk/articles/dentists-incorporation</link>
 <description>&lt;p&gt;Bob Cummings of specialist dental accountants Morris &amp;amp; Co has recently written some articles on the advantages and disadvantages for dentists if they incorporate (or set up as a limited company). He has very kindly given us permission to reproduce the article here - and we&#039;ve attached a couple of other useful documents as well. &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/dentists-incorporation&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/23">Practice/Principals</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <enclosure url="http://www.essentialmoney.co.uk/files/The Dentist Article - Associate companies.pdf" length="161270" type="application/pdf" />
 <pubDate>Thu, 05 May 2011 15:43:26 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">400 at http://www.essentialmoney.co.uk</guid>
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 <title>£32,000 a year - that&#039;s the value of a Mum!</title>
 <link>http://www.essentialmoney.co.uk/articles/%C2%A332000-year-thats-value-mum</link>
 <description>&lt;p&gt;Legal &amp;amp; General’s latest  “Value of a Mum” research carried out in 2009 found that the value of the work that Mums do around the house is £32,812 per annum. That’s £8,000 more than 2005. &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/%C2%A332000-year-thats-value-mum&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <enclosure url="http://www.essentialmoney.co.uk/files/WhatWeDoForClientsProtectionOct09_1.pdf" length="130075" type="application/pdf" />
 <pubDate>Thu, 03 Mar 2011 12:19:53 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">396 at http://www.essentialmoney.co.uk</guid>
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 <title>Fixed or Variable</title>
 <link>http://www.essentialmoney.co.uk/articles/fixed-or-variable</link>
 <description>&lt;p&gt;If you are on or about to revert to your lenders variable base rate, is now the time to switch to a fixed rate?  As I don’t have my crystal ball, it’s a tough call.  For all the “experts” that are saying “fix”, there are just as many saying “hold”, some will be wrong and some will be right, the trouble is we don’t know which is which!&lt;br /&gt;
Looking at the facts: &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/fixed-or-variable&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/21">Mortgages</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <pubDate>Tue, 15 Feb 2011 13:19:31 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">393 at http://www.essentialmoney.co.uk</guid>
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 <title>A Pro-Active Financial Planner</title>
 <link>http://www.essentialmoney.co.uk/articles/a-proactive-financial-planner</link>
 <description>&lt;p&gt;The definition of being pro-active is to think and plan ahead. I&#039;ve considered some of the main steps we&#039;ve taken to be pro-active over the last few years and why and how this has helped improve our service to dentists.&lt;/p&gt;
&lt;p&gt;Specialisation &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/a-proactive-financial-planner&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/23">Practice/Principals</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <enclosure url="http://www.essentialmoney.co.uk/files/ProActive Adviser.pdf" length="427394" type="application/pdf" />
 <pubDate>Mon, 14 Feb 2011 15:37:56 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">392 at http://www.essentialmoney.co.uk</guid>
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 <title>Why do UK dentists who prepare their accounts swiftly enjoy happier and wealthier lives?</title>
 <link>http://www.essentialmoney.co.uk/articles/why-do-uk-dentists-who-prepare-their-accounts-swiftly-enjoy-happier-and-wealthier-lives</link>
 <description>&lt;p&gt;The Clear Vision Accountancy team share their insights on how UK dentists who prepare their accounts swiftly enjoy happier and wealthier lives…&lt;/p&gt;
&lt;p&gt;Let’s talk annual accounts. Your annual accounts.&lt;br /&gt;
Stick with this now, it’s worth it…&lt;br /&gt;
What’s your view of your accounts?&lt;br /&gt;
 Are they a useful contribution to running and developing your practice?... &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/why-do-uk-dentists-who-prepare-their-accounts-swiftly-enjoy-happier-and-wealthier-lives&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/23">Practice/Principals</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <pubDate>Sat, 29 Jan 2011 21:43:57 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">387 at http://www.essentialmoney.co.uk</guid>
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 <title>Discover The Truth About Finances - Financial Planning</title>
 <link>http://www.essentialmoney.co.uk/articles/discover-truth-about-finances-0</link>
 <description>&lt;p&gt;The Department for Work and Pensions figures have recently showed that more than 10m people in the UK today can expect to see their 100th birthday – that’s equivalent to 17 percent of the population. This is a staggering figure and really brings home the importance of planning ahead for our later lives. &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/discover-truth-about-finances-0&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <pubDate>Mon, 17 Jan 2011 16:46:50 +0000</pubDate>
 <dc:creator>Jordan Nasser</dc:creator>
 <guid isPermaLink="false">386 at http://www.essentialmoney.co.uk</guid>
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 <title>What to look for in a financial adviser</title>
 <link>http://www.essentialmoney.co.uk/articles/what-look-financial-adviser</link>
 <description>&lt;h1&gt;Independence&lt;/h1&gt;
 &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/what-look-financial-adviser&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <pubDate>Fri, 22 Oct 2010 21:57:57 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">378 at http://www.essentialmoney.co.uk</guid>
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 <title>Structuring your Dental Practice - Cohen Cramer</title>
 <link>http://www.essentialmoney.co.uk/articles/structuring-your-dental-practice</link>
 <description>&lt;p&gt;The following article appeared in the Dental Tribune recently and I thought it neatly summarised some of the options available to dentists with regards to how they can structure their business. &lt;span class=&#039;read-more&#039;&gt;&lt;a href=&quot;http://www.essentialmoney.co.uk/articles/structuring-your-dental-practice&quot; target=&quot;_blank&quot;&gt;&lt;strong&gt;&amp;nbsp;read&amp;nbsp;more&amp;nbsp;&amp;raquo;&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;/p&gt;
</description>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/1">Article</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/23">Practice/Principals</category>
 <category domain="http://www.essentialmoney.co.uk/taxonomy/term/26">Valid</category>
 <pubDate>Mon, 26 Jul 2010 18:40:19 +0000</pubDate>
 <dc:creator>Thomas Dickson</dc:creator>
 <guid isPermaLink="false">371 at http://www.essentialmoney.co.uk</guid>
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