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	<title>Piggybank News</title>
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	<link>http://nsputilityconsultants.wordpress.com</link>
	<description>Because it's not what you earn, it's what you keep!</description>
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		<title>Piggybank News</title>
		<link>http://nsputilityconsultants.wordpress.com</link>
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		<item>
		<title>3 Top Tips for Negotiation</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/02/21/3-top-tips-for-negotiation/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/02/21/3-top-tips-for-negotiation/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 07:44:23 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Business Advice]]></category>
		<category><![CDATA[Hot tips]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[Negotiation]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[rental property]]></category>
		<category><![CDATA[Wendy Patton]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=975</guid>
		<description><![CDATA[Tired of endless back-and-forth disagreements with your customer? Here are a few negotiation tips that can help: 1. Set your rules. Many people likely have a set of rules or values that they just won’t compromise. If you find negotiations breaking your rules and going against your values, it may not be worth negotiating. 2. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=975&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/02/21/3-top-tips-for-negotiation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Nikki</media:title>
		</media:content>
	</item>
		<item>
		<title>Sale and Rent Back banned by FSA</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/02/14/sale-and-rent-back-banned-by-fsa/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/02/14/sale-and-rent-back-banned-by-fsa/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 07:58:28 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Property]]></category>
		<category><![CDATA[Financial Services Authority]]></category>
		<category><![CDATA[FSA]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[Market value]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Sale and rent back]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=968</guid>
		<description><![CDATA[The FSA has stepped in following a high profile court case involving families who sold thier homes to the company North East Property Buyers on a sale and rent back scheme.  In return for selling their homes at a 70% discount, families were promised that they could stay in their properties for life as tenants. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=968&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/02/14/sale-and-rent-back-banned-by-fsa/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Nikki</media:title>
		</media:content>
	</item>
		<item>
		<title>Additional liscensing introduced for HMO&#8217;s</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/02/08/additional-liscensing-introduced-for-hmos/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/02/08/additional-liscensing-introduced-for-hmos/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 07:31:34 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Property]]></category>
		<category><![CDATA[Milton Keynes]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[rental property]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Oxford]]></category>
		<category><![CDATA[Private rented sector]]></category>
		<category><![CDATA[HMO]]></category>
		<category><![CDATA[Houses in Multiple Occupation]]></category>
		<category><![CDATA[local housing allowance]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=965</guid>
		<description><![CDATA[Oxford City Council have been leading the way in creating additional local legislation for HMO landlords.  Their successful introduction of new schemes under the &#8220;localism&#8221; legislation has encouraged other councils to follow suit.  Milton Keynes is one of those who have instituted additional requirements for HMO planning under &#8220;article 4&#8243; which is already making it [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=965&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/02/08/additional-liscensing-introduced-for-hmos/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/ebc300f8be4d14b4407d96342027add7?s=96&#38;d=identicon&#38;r=PG" medium="image">
			<media:title type="html">Nikki</media:title>
		</media:content>

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			<media:title type="html">j0283695</media:title>
		</media:content>
	</item>
		<item>
		<title>How to attract new clients with Testamonials</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/01/31/how-to-attract-new-clients-with-testamonials/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/01/31/how-to-attract-new-clients-with-testamonials/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 12:27:23 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Property]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Customer]]></category>
		<category><![CDATA[Customer service]]></category>
		<category><![CDATA[home business]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Testimonial]]></category>
		<category><![CDATA[working from home]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=943</guid>
		<description><![CDATA[A good testimonial lets your satisfied customers do the talking for you and your business. The more genuine the testimonial looks the more convincing it will be so if possible, include the customer&#8217;s photograph, their real name, position within their company and location.  SuccessTrack Founder Jonathan Jay recommends you ask customers to go into detail [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=943&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/01/31/how-to-attract-new-clients-with-testamonials/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/ebc300f8be4d14b4407d96342027add7?s=96&#38;d=identicon&#38;r=PG" medium="image">
			<media:title type="html">Nikki</media:title>
		</media:content>
	</item>
		<item>
		<title>Where did it all go wrong?</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/01/24/where-did-it-all-go-wrong/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/01/24/where-did-it-all-go-wrong/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 12:39:21 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Property]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[property investment]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[rental property]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=935</guid>
		<description><![CDATA[Property investment is not a game for amateurs looking to make a quick buck as some of the news stories have clearly illustrated over the past couple of years.  With the benefit of hindsight, we can assess where people got it right with their strategies and where others got it oh so wrong.  In this [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=935&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/01/24/where-did-it-all-go-wrong/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/ebc300f8be4d14b4407d96342027add7?s=96&#38;d=identicon&#38;r=PG" medium="image">
			<media:title type="html">Nikki</media:title>
		</media:content>
	</item>
		<item>
		<title>Nationwide report predicts stable house prices for 2012</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/01/16/nationwide-report-predicts-stable-house-prices-for-2012/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/01/16/nationwide-report-predicts-stable-house-prices-for-2012/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 12:46:40 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Property]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[Nationwide]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Real estate economics]]></category>
		<category><![CDATA[Robert Gardner]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=923</guid>
		<description><![CDATA[The latest report from Nationwide, released in December 2011, indicates that UK house prices are continuing to buck the trend of recession.  Houses are now worth 1% more on average than they were at the start of 2011.  Whilst this may seem like a small amount compared to the increases seen between 1997 and 2006 [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=923&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/01/16/nationwide-report-predicts-stable-house-prices-for-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/ebc300f8be4d14b4407d96342027add7?s=96&#38;d=identicon&#38;r=PG" medium="image">
			<media:title type="html">Nikki</media:title>
		</media:content>
	</item>
		<item>
		<title>Petition prompts energy price reduction.</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/01/13/petition-prompts-energy-price-reduction/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/01/13/petition-prompts-energy-price-reduction/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 12:54:31 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Domestic Utilities]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[British Gas]]></category>
		<category><![CDATA[British Gas plc]]></category>
		<category><![CDATA[E.ON]]></category>
		<category><![CDATA[EDF Energy]]></category>
		<category><![CDATA[electric]]></category>
		<category><![CDATA[electricity]]></category>
		<category><![CDATA[Energy]]></category>
		<category><![CDATA[gas]]></category>
		<category><![CDATA[gas price rises]]></category>
		<category><![CDATA[Scottish & Southern Energy]]></category>
		<category><![CDATA[Scottish Power]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=951</guid>
		<description><![CDATA[I received this notification from consumer action group &#8220;38 Degrees&#8221; this morning.  I think it is an important message so I have copied in its entirety below. &#8220;Over 85,000 of us have signed the petition telling gas and electricity companies to cut their prices &#8211; in just 4 days! And it&#8217;s starting to work. Numbers [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=951&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/01/13/petition-prompts-energy-price-reduction/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/ebc300f8be4d14b4407d96342027add7?s=96&#38;d=identicon&#38;r=PG" medium="image">
			<media:title type="html">Nikki</media:title>
		</media:content>
	</item>
		<item>
		<title>Making your money work for you</title>
		<link>http://nsputilityconsultants.wordpress.com/2012/01/10/making-your-money-work-for-you/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2012/01/10/making-your-money-work-for-you/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 12:00:33 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Domestic Utilities]]></category>
		<category><![CDATA[Hot tips]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[broadband]]></category>
		<category><![CDATA[cashflow]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[electric]]></category>
		<category><![CDATA[electricity]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[gas]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[Utility Warehouse]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=197</guid>
		<description><![CDATA[Making Your Money Work for You With interest rates at an all time low, financial institutions have been cutting the rates they pay to savers. Check the rates your savings are earning &#8211; you may be surprised by how quickly the attractive interest rates used to tempt new investors are reduced.  If you have a [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=197&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2012/01/10/making-your-money-work-for-you/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="http://0.gravatar.com/avatar/ebc300f8be4d14b4407d96342027add7?s=96&#38;d=identicon&#38;r=PG" medium="image">
			<media:title type="html">Nikki</media:title>
		</media:content>

		<media:content url="http://nsputilityconsultants.files.wordpress.com/2009/03/j0283695.gif" medium="image">
			<media:title type="html">j0283695</media:title>
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	</item>
		<item>
		<title>How to protect your cashflow.</title>
		<link>http://nsputilityconsultants.wordpress.com/2011/12/28/how-to-protect-your-cashflow/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2011/12/28/how-to-protect-your-cashflow/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 12:43:29 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Business Advice]]></category>
		<category><![CDATA[Hot tips]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[business link]]></category>
		<category><![CDATA[Cash flow]]></category>
		<category><![CDATA[cashflow]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[home business]]></category>
		<category><![CDATA[self employed]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[working from home]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=166</guid>
		<description><![CDATA[Practical Finance tips for tough times. Business Link are a free service which offer help and advice to companies across the UK.  They have  published their guide to doing business in tough times; featuring practical ways to tackle the challenges and opportunities of the current climate. Click here for their top tips for protecting your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=166&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://nsputilityconsultants.wordpress.com/2011/12/28/how-to-protect-your-cashflow/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Nikki</media:title>
		</media:content>

		<media:content url="http://nsputilityconsultants.files.wordpress.com/2009/03/j0283695.gif" medium="image">
			<media:title type="html">j0283695</media:title>
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		<item>
		<title>Merry Christmas</title>
		<link>http://nsputilityconsultants.wordpress.com/2011/12/19/merry-christmas/</link>
		<comments>http://nsputilityconsultants.wordpress.com/2011/12/19/merry-christmas/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 14:33:08 +0000</pubDate>
		<dc:creator>nspresources</dc:creator>
				<category><![CDATA[Hot tips]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[Christmas card]]></category>

		<guid isPermaLink="false">http://nsputilityconsultants.wordpress.com/?p=896</guid>
		<description><![CDATA[In the interests of preserving trees and saving the planet I have taken to creating an electronic &#8220;Christmas Card&#8221; each year.  Best wishes for the season to all of you. Nikki and Jim.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=nsputilityconsultants.wordpress.com&amp;blog=3406706&amp;post=896&amp;subd=nsputilityconsultants&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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			<media:title type="html">Nikki</media:title>
		</media:content>

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			<media:title type="html">xmas pig</media:title>
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