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	<title>Gem Financial Services</title>
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	<description>Gem Financial News</description>
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		<title>Maximise the lifetime income from your pension at retirement</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1628</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1628#comments</comments>
		<pubDate>Thu, 10 May 2012 12:28:37 +0000</pubDate>
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		<description><![CDATA[Why shopping around for an annuity could increase your income
Thousands of people could end up with bigger pensions as new  rules will force insurers to inform customers about better annuity  options. The Association of British Insurers’ (ABI) new code of conduct  forces insurers to give more information about how consumers can ‘shop [...]]]></description>
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		<title>The critical factor</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1625</link>
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		<pubDate>Thu, 10 May 2012 12:28:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Providing financial security at an emotional and difficult time
It’s easy to think “it won’t happen to me,” but if the worst  should happen, your critical illness insurance could help provide  financial security at an emotional and difficult time. Whether it helps  pay off your mortgage, funds a relaxing holiday to recover from [...]]]></description>
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		<title>Shelter up to £11,280 from the tax man this tax year</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1623</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1623#comments</comments>
		<pubDate>Thu, 10 May 2012 12:27:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[ISA limits will now increase each year        in line with the increase in CPI
The need for long-term care and how it should be paid for is  arguably one of the greatest causes for concern among our growing  elderly population. Almost half a million people are now [...]]]></description>
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		<title>Venture Capital Trusts raise £330 million</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1621</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1621#comments</comments>
		<pubDate>Thu, 10 May 2012 12:27:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Fundraising levels sixth highest since launch
Figures published by the Association of Investment Companies  (AIC) show that £330 million (value of new shares issued), was raised by  the Venture Capital Trust (VCT) sector during the 2011/2012 tax year  compared to £365 million in the 2010/11 tax year and the sixth highest  amount [...]]]></description>
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		<title>Unexpected increase to tax-free cash allowance</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1619</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1619#comments</comments>
		<pubDate>Thu, 10 May 2012 12:26:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Good news for some occupational pension scheme members
In amongst the technical papers issued by HM Revenue &#38;  Customs (HMRC) on the back of the Budget 2012 changes, Skandia has  discovered a hidden gem. An alteration in the formula for calculating  tax-free cash for pre 6 April 2006 (A-Day) members of occupational  [...]]]></description>
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		<title>Mind the gap</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1617</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1617#comments</comments>
		<pubDate>Thu, 10 May 2012 12:26:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Britons want £7,000 extra income to be comfortable
Britons face an income gap of £411 per month between their  current net income and what they feel would allow them to live  comfortably, according to a new report from Aviva. The Times of our  Lives report1 found that this additional desired income would be [...]]]></description>
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		<title>The impact of Budget 2012 on your financial planning</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1615</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1615#comments</comments>
		<pubDate>Thu, 10 May 2012 12:25:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[How  do the changes affect your pocket?
Change to retirement age
The Chancellor confirmed in Budget 2012 that he would increase  the state pension age and that we should brace ourselves for having to  work much longer in the future. There are already two increases to the  state pension age scheduled for 2019 and [...]]]></description>
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		<title>Health worries rise for retired people</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1613</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1613#comments</comments>
		<pubDate>Thu, 10 May 2012 12:25:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Rising life expectancy is turning the spotlight on the issue of healthy life expectancy
Four out of five new parents are risking their children’s  financial futures by skimping on life cover, according to new research  from Aviva.
Nearly six out of 10 retired people have become more concerned  about their or their partner’s health [...]]]></description>
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		<title>Cost of raising a child increases to £218,000</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1567</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1567#comments</comments>
		<pubDate>Wed, 07 Mar 2012 10:40:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial News]]></category>

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		<description><![CDATA[Parents would rather do without themselves than radically cut back on what they can provide for their children
The annual Cost of a Child Report [1] from protection and  retirement specialist LV=, reveals the cost of raising a child from  birth to their 21st birthday now totals a record £218,024. This equates  to £10,382 [...]]]></description>
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		<title>Paying for the cost of care</title>
		<link>http://www.gemfinancialservices.co.uk/wordpress/?p=1565</link>
		<comments>http://www.gemfinancialservices.co.uk/wordpress/?p=1565#comments</comments>
		<pubDate>Wed, 07 Mar 2012 10:40:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial News]]></category>

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		<description><![CDATA[Concern among our growing elderly population
The need for long-term care and how it should be paid for is  arguably one of the greatest causes for concern among our growing  elderly population. Almost half a million people are now in residential  care homes, nursing homes and long stay hospitals.
Insurance for long-term care means [...]]]></description>
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