<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
  http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
<url>
	<loc>http://www.pascoebarton.co.nz/</loc>
	<lastmod>2018-04-20T12:07:51+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>1.0</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/when-will-all-spending-stop</loc>
	<lastmod>2010-05-12T06:47:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/invisible-sex</loc>
	<lastmod>2010-05-12T06:47:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bargains-galore</loc>
	<lastmod>2010-05-12T06:46:31+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-its-your-choice</loc>
	<lastmod>2010-05-12T06:46:08+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-bizarre</loc>
	<lastmod>2010-05-12T06:45:43+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-you-sure-about-your-fixed-interest-investments</loc>
	<lastmod>2010-05-12T06:44:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/first-steps-or-dreaded-crawl</loc>
	<lastmod>2010-05-12T06:44:28+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-mortgage-debt-problems-just-beginning</loc>
	<lastmod>2010-05-12T06:44:02+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/hedge-funds-what-outlook</loc>
	<lastmod>2010-05-12T06:43:32+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/slow-start-kiwisaver-returns</loc>
	<lastmod>2010-05-12T06:43:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/usa-rising-fuel-costs-and-housing-slump-are-not-good-sign</loc>
	<lastmod>2010-05-12T06:42:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/blending-families</loc>
	<lastmod>2010-05-12T06:42:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/economic-geopolitics</loc>
	<lastmod>2010-05-12T06:41:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2008-final-quarter</loc>
	<lastmod>2010-05-12T06:41:32+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/long-term-outlook-property-securities-part-2</loc>
	<lastmod>2010-05-12T06:41:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-should-i-invest-my-fixed-interest</loc>
	<lastmod>2010-05-12T06:40:36+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/big-investment-insurance-industry-challenge</loc>
	<lastmod>2010-05-12T06:40:12+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/better-way-forward-0</loc>
	<lastmod>2010-05-12T06:39:43+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/many-investors-miss-boat</loc>
	<lastmod>2010-05-12T06:38:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/taxing-investments</loc>
	<lastmod>2010-05-12T06:37:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finance-company-woes-continue</loc>
	<lastmod>2010-05-12T06:33:53+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/winners-and-losers</loc>
	<lastmod>2010-05-12T06:33:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/interest-rates-being-offered-do-not-tell-full-story</loc>
	<lastmod>2010-05-12T06:32:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver</loc>
	<lastmod>2010-05-12T06:32:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-risk-and-fees</loc>
	<lastmod>2010-05-12T06:31:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bond-issues-slow-share-market</loc>
	<lastmod>2010-05-12T06:28:14+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/reverse-mortgages-good-bad-and-ugly</loc>
	<lastmod>2010-05-12T06:27:51+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/retiring-debt-versus-saving-0</loc>
	<lastmod>2010-05-12T06:27:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-manager-styles</loc>
	<lastmod>2010-05-12T06:26:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/great-fraud</loc>
	<lastmod>2010-05-12T06:26:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/successful-strategy-investing-volatile-markets</loc>
	<lastmod>2010-05-12T06:25:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/managed-funds-important-role-play</loc>
	<lastmod>2010-05-12T06:25:28+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/regulatory-authority-failure</loc>
	<lastmod>2010-05-12T06:24:06+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/crashes-87-crises-07</loc>
	<lastmod>2010-05-12T06:23:39+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/falls-ocr-mean-falls-mortgage-rates-yeah-right</loc>
	<lastmod>2010-05-12T06:23:13+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-corporate-credit-rating-and-what-it-used</loc>
	<lastmod>2010-05-12T06:21:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rise-and-fall-feltex</loc>
	<lastmod>2010-05-12T06:20:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/swine-flu-another-economic-threat</loc>
	<lastmod>2010-05-12T06:20:16+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/index-funds-do-they-have-place-investment-portfolios</loc>
	<lastmod>2010-05-12T06:19:41+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/lack-confidence-regulator</loc>
	<lastmod>2010-05-12T06:19:12+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-freeze</loc>
	<lastmod>2010-05-12T06:18:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/sticking-our-guns</loc>
	<lastmod>2010-05-12T06:18:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finding-grounds-complaint</loc>
	<lastmod>2010-05-12T06:17:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/australasian-shares-highly-priced-or-will-it-be-slow-growth-ahead</loc>
	<lastmod>2010-05-12T06:17:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/budgets-old-fashioned-or-saviour</loc>
	<lastmod>2010-05-12T06:17:01+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rural-heartland</loc>
	<lastmod>2010-05-12T06:16:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/uk-pension-transfers</loc>
	<lastmod>2010-05-12T06:16:01+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-are-structured-investment-products</loc>
	<lastmod>2010-05-12T06:15:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rules-thumb</loc>
	<lastmod>2010-05-12T06:15:16+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/storm-timely-reminder-diversify</loc>
	<lastmod>2010-05-12T06:14:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/getting-married-without-going-broke</loc>
	<lastmod>2010-05-12T06:14:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-tax-affects-investment-decisions</loc>
	<lastmod>2010-05-12T06:13:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/unintended-consequences</loc>
	<lastmod>2010-05-12T06:09:48+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-life-toxic-waste</loc>
	<lastmod>2010-05-12T06:09:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/securities-commission-warning-misleading-advertising</loc>
	<lastmod>2010-05-12T06:08:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/emotion-and-investing</loc>
	<lastmod>2010-05-12T06:08:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/alternate-fixed-interest-investing</loc>
	<lastmod>2010-05-12T06:07:56+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-regulation-will-it-help</loc>
	<lastmod>2010-05-12T06:07:25+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fifty-years-landmark-occasion</loc>
	<lastmod>2010-05-12T06:06:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/make-time-address-your-financial-goals</loc>
	<lastmod>2010-05-12T06:06:26+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/managing-your-family-trust-0</loc>
	<lastmod>2010-05-12T06:05:57+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/thinking-about-holiday-home</loc>
	<lastmod>2010-05-12T06:05:28+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/its-not-all-gloom-and-doom</loc>
	<lastmod>2010-05-12T06:05:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/portrait-recently-retired</loc>
	<lastmod>2010-05-12T06:04:25+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fixed-interest-investing</loc>
	<lastmod>2010-05-12T06:03:59+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-trusts-versus-unit-trusts</loc>
	<lastmod>2010-05-12T06:03:11+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-investment-tax-changes-may-influence-portfolios</loc>
	<lastmod>2010-05-12T06:02:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/currency-game</loc>
	<lastmod>2010-05-12T06:02:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/credit-ratings</loc>
	<lastmod>2010-05-12T06:01:36+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christmas-wishes</loc>
	<lastmod>2010-05-12T06:00:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rules-keep-changing</loc>
	<lastmod>2010-05-12T06:00:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/it-better-be-owner-or-loaner</loc>
	<lastmod>2010-05-12T05:59:35+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/capital-gains-tax-testing-issue</loc>
	<lastmod>2010-05-12T05:58:33+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/time-get-sorted</loc>
	<lastmod>2010-05-12T05:58:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/benefiting-super</loc>
	<lastmod>2010-05-12T05:57:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/coming-party</loc>
	<lastmod>2010-05-12T05:57:08+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/long-term-outlook-property-securities-part-1</loc>
	<lastmod>2010-05-12T05:56:35+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/value-life</loc>
	<lastmod>2010-05-12T05:56:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-flip-flops-0</loc>
	<lastmod>2010-05-12T05:54:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/cost-regulation</loc>
	<lastmod>2010-05-12T05:54:32+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finance-company-problems-continue</loc>
	<lastmod>2010-05-12T05:53:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/should-you-play-currency-game</loc>
	<lastmod>2010-05-12T05:53:13+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/index-investing-it-real-deal</loc>
	<lastmod>2010-05-12T05:52:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/market-correction-beautiful-thing</loc>
	<lastmod>2010-05-12T05:52:19+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fixed-interest-offers-floodgates-are-opening</loc>
	<lastmod>2010-05-12T05:51:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/capital-protected-investments</loc>
	<lastmod>2010-05-12T05:51:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/getting-ahead</loc>
	<lastmod>2010-05-12T05:50:56+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/commission-or-fees-investment-advice</loc>
	<lastmod>2010-05-12T05:50:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/collapse-bridgecorp</loc>
	<lastmod>2010-05-12T05:49:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/full-takeover-ahead</loc>
	<lastmod>2010-05-12T05:49:33+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/your-business-also-your-superannuation</loc>
	<lastmod>2010-05-12T05:48:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/better-way-forward</loc>
	<lastmod>2010-05-12T05:47:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/electioneering-bribery-promises-or-real</loc>
	<lastmod>2010-05-12T05:46:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/home-country-investment-bias</loc>
	<lastmod>2010-05-12T05:46:29+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/exposing-some-hearsay-stories</loc>
	<lastmod>2010-05-12T05:45:59+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/doubt-or-optimism</loc>
	<lastmod>2010-05-12T05:45:29+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/quarter-ending-30-september-2009</loc>
	<lastmod>2010-05-12T05:45:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/family-trusts-protection-or-it-just-fiction</loc>
	<lastmod>2010-05-12T05:44:35+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/savings-may-be-recessionary</loc>
	<lastmod>2010-05-12T05:43:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/claims-crown-guarantee</loc>
	<lastmod>2010-05-12T05:43:26+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/ill-founded-headlines</loc>
	<lastmod>2010-05-12T05:38:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/and-winner-takes-it-all</loc>
	<lastmod>2010-05-12T05:38:28+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/flawed-investment-principles</loc>
	<lastmod>2010-05-12T05:38:01+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-tax-changes</loc>
	<lastmod>2010-05-12T05:37:32+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/preparing-unexpected</loc>
	<lastmod>2010-05-12T05:36:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bring-baby-boomers-retirement</loc>
	<lastmod>2010-05-12T05:36:25+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/satisfaction-financial-advisers</loc>
	<lastmod>2010-05-12T05:35:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-fraud-schemes-you-may-be-victim-or-unwittingly-assisting-fraudster</loc>
	<lastmod>2010-05-12T05:35:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fair-investment-return</loc>
	<lastmod>2010-05-12T05:34:43+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-literacy-explaining-some-financial-jargon</loc>
	<lastmod>2010-05-12T05:34:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/owner-or-loaner</loc>
	<lastmod>2010-05-12T05:33:36+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/second-quarter-2005-review</loc>
	<lastmod>2010-05-12T05:33:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-planners-ten-misconceptions</loc>
	<lastmod>2010-05-12T05:32:34+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/consumer-spending-woes-make-or-break-time</loc>
	<lastmod>2010-05-12T05:32:05+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2006-review</loc>
	<lastmod>2010-05-12T05:31:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2009-review</loc>
	<lastmod>2010-05-12T05:30:38+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/quarterly-comments</loc>
	<lastmod>2010-05-12T05:30:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/usa-fall-consumerism</loc>
	<lastmod>2010-05-12T05:29:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/there-better-way-play-currency-game</loc>
	<lastmod>2010-05-12T05:28:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/inconvenient-truth</loc>
	<lastmod>2010-05-12T05:28:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/independent-or-impartial</loc>
	<lastmod>2010-05-12T05:27:38+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-literacy</loc>
	<lastmod>2010-05-12T05:27:11+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/d-day-approaches-kiwisaver</loc>
	<lastmod>2010-05-12T05:26:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/stock-broker-share-picks</loc>
	<lastmod>2010-05-12T05:26:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/retiring-debt-versus-saving</loc>
	<lastmod>2010-05-12T05:25:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-banks-being-greedy</loc>
	<lastmod>2010-05-12T05:24:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-woes-tip-iceberg</loc>
	<lastmod>2010-05-12T05:23:43+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/just-how-bad-nz-funds-management-industry</loc>
	<lastmod>2010-05-12T05:23:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/asset-allocation-methods</loc>
	<lastmod>2010-05-12T05:22:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/have-we-key-success</loc>
	<lastmod>2010-05-12T05:22:05+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finance-company-interest-rate-margins</loc>
	<lastmod>2010-05-12T05:21:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dealing-risk</loc>
	<lastmod>2010-05-12T05:20:43+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/global-bonds-underrated-investment</loc>
	<lastmod>2010-05-12T05:20:16+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trust-cornerstone</loc>
	<lastmod>2010-05-12T05:19:39+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/quarterly-market-update</loc>
	<lastmod>2010-05-12T05:17:53+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/labour-government-promises-free-investment-advice</loc>
	<lastmod>2010-05-12T05:17:25+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-flip-flops</loc>
	<lastmod>2010-05-12T05:16:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/live-today-estate-pays-later</loc>
	<lastmod>2010-05-12T05:16:14+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fixed-interest-investors</loc>
	<lastmod>2010-05-12T05:15:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/interest-rate-rises</loc>
	<lastmod>2010-05-12T05:13:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-safe-your-bank</loc>
	<lastmod>2010-05-12T05:12:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/task-force-regulation-financial-intermediaries-findings</loc>
	<lastmod>2010-05-12T05:11:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-delay-now-seems-inevitable</loc>
	<lastmod>2010-05-12T05:10:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/horror-story-collecting</loc>
	<lastmod>2010-05-12T05:09:13+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/diversification-what-wise-man-does</loc>
	<lastmod>2010-05-12T05:07:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/volatile-markets-cash-king</loc>
	<lastmod>2010-05-12T05:07:13+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/when-relationships-end</loc>
	<lastmod>2010-05-12T05:02:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finance-companies-better-or-worse</loc>
	<lastmod>2010-05-12T05:01:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/mortgage-interest-rates</loc>
	<lastmod>2010-05-12T05:01:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/annuities-0</loc>
	<lastmod>2010-05-12T04:59:31+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/another-finance-company-collapse</loc>
	<lastmod>2010-05-12T04:58:51+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/reducing-investment-losses</loc>
	<lastmod>2010-05-12T04:58:12+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/justice-investors</loc>
	<lastmod>2010-05-12T04:57:44+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-demons-may-be-lurking</loc>
	<lastmod>2010-05-12T04:57:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/annuities</loc>
	<lastmod>2010-05-12T04:56:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-women-want</loc>
	<lastmod>2010-05-12T04:55:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/crown-guarantee</loc>
	<lastmod>2010-05-12T04:54:08+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/consumer-magazine-strikes-again</loc>
	<lastmod>2010-05-12T04:53:31+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-moratorium</loc>
	<lastmod>2010-05-12T04:52:28+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-syndicates-cycle-continues</loc>
	<lastmod>2010-05-12T04:51:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-using-flawed-principles</loc>
	<lastmod>2010-04-13T01:01:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/charge-light-brigade-and-other-great-blunders</loc>
	<lastmod>2010-04-09T04:35:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/who-owns-advisory-business</loc>
	<lastmod>2010-04-09T04:03:11+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/time-pie</loc>
	<lastmod>2010-04-09T04:03:05+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rocky-road-ahead</loc>
	<lastmod>2010-04-09T04:02:38+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/credit-ratings-and-finance-companies</loc>
	<lastmod>2010-04-09T04:02:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/can-we-trust-investment-statement</loc>
	<lastmod>2010-04-09T04:01:44+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/credit-ratings-revisited</loc>
	<lastmod>2010-04-09T04:01:21+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-year-financial-resolutions</loc>
	<lastmod>2010-04-09T04:00:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/taking-stock-last-years-investments</loc>
	<lastmod>2010-04-09T04:00:41+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dear-santa-0</loc>
	<lastmod>2010-04-09T03:58:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fees-or-commissions-debate-heats</loc>
	<lastmod>2010-04-09T03:58:39+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-invest-income</loc>
	<lastmod>2010-04-09T03:58:20+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/all-glitters-not-necessarily-gold</loc>
	<lastmod>2010-04-09T03:57:57+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/horizon-unlikely-takeover</loc>
	<lastmod>2010-04-09T03:57:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/eastern-bay-energy-trust</loc>
	<lastmod>2010-04-09T03:57:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/take-over-or-take</loc>
	<lastmod>2010-04-09T03:57:27+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-you-financially-literate</loc>
	<lastmod>2010-04-09T03:57:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-collapses-what-difference-year-makes</loc>
	<lastmod>2010-04-09T03:57:14+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rural-case-study</loc>
	<lastmod>2010-04-09T03:57:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-awareness-week</loc>
	<lastmod>2010-04-09T03:57:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/aggrieved-investor</loc>
	<lastmod>2010-04-09T03:56:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bells-ring-anzing</loc>
	<lastmod>2010-04-09T03:56:20+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/getting-income-and-growth-split-right</loc>
	<lastmod>2010-04-09T03:56:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/helping-others</loc>
	<lastmod>2010-04-09T03:55:57+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/sorting-out-investment-problems</loc>
	<lastmod>2010-04-09T03:55:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/ing-offer-final-chapter</loc>
	<lastmod>2010-04-09T03:55:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trying-satisfy-investors-thirst-yield</loc>
	<lastmod>2010-04-09T03:55:25+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fees-advice</loc>
	<lastmod>2010-04-09T03:55:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/apartments-investment-or-lifestyle</loc>
	<lastmod>2010-04-09T03:54:47+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/economic-recovery</loc>
	<lastmod>2010-04-09T03:53:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fixed-interest-mistakes</loc>
	<lastmod>2010-04-09T03:53:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/moving-forward</loc>
	<lastmod>2010-04-09T03:53:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/budgets-old-fashioned-saviour</loc>
	<lastmod>2010-04-09T03:53:11+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-shares-cheap</loc>
	<lastmod>2010-04-09T03:53:01+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christmas-wishes-0</loc>
	<lastmod>2010-04-09T03:52:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/has-our-gdp-growth-been-illusion</loc>
	<lastmod>2010-04-09T03:52:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-literacy-room-improvement</loc>
	<lastmod>2010-04-09T03:52:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/looking-recovery</loc>
	<lastmod>2010-04-09T03:52:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/increased-political-certainty-good-markets</loc>
	<lastmod>2010-04-09T03:52:18+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/should-we-be-eating-more-pie</loc>
	<lastmod>2010-04-09T03:51:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/sharing-pie</loc>
	<lastmod>2010-04-09T03:51:48+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/spring-air</loc>
	<lastmod>2010-04-09T03:51:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-does-financial-planner-do</loc>
	<lastmod>2010-04-09T03:51:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/tracking-elusive-investments</loc>
	<lastmod>2010-04-09T03:51:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bay-plenty-investors-hit-again</loc>
	<lastmod>2010-04-09T03:50:38+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-safe-your-trust</loc>
	<lastmod>2010-04-09T03:50:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finance-companies-troubled-times-continue</loc>
	<lastmod>2010-04-09T03:50:06+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/second-quarter-2008</loc>
	<lastmod>2010-04-09T03:50:02+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/inevitability-not-working</loc>
	<lastmod>2010-04-09T03:49:38+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/enhanced-disclosure-regulations</loc>
	<lastmod>2010-04-09T03:49:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-investment-failure</loc>
	<lastmod>2010-04-09T03:49:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/managing-your-family-trust</loc>
	<lastmod>2010-04-09T03:48:54+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/falling-markets-maybe-it-opportune-time</loc>
	<lastmod>2010-04-09T03:48:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/where-here</loc>
	<lastmod>2010-04-09T03:48:20+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-resolutions</loc>
	<lastmod>2010-04-09T03:48:02+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/changes-review</loc>
	<lastmod>2010-04-09T03:47:48+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/uk-inheritance-tax</loc>
	<lastmod>2010-04-09T03:47:25+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bridgecorp-melt-down</loc>
	<lastmod>2010-04-09T03:46:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/confused-or-just-trying-make-statement</loc>
	<lastmod>2010-04-09T03:46:34+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/8-days-go-kiwisaver-commences</loc>
	<lastmod>2010-04-09T03:46:18+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-budget-changes-and-question-fees</loc>
	<lastmod>2010-04-09T03:45:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2007-first-quarter</loc>
	<lastmod>2010-04-09T03:45:39+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-tax-changes-kick</loc>
	<lastmod>2010-04-09T03:45:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/responsible-investing-trusts</loc>
	<lastmod>2010-04-09T03:45:06+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-bubbles-decades</loc>
	<lastmod>2010-04-09T03:44:54+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/can-your-family-trust-pass-warrant-fitness-test</loc>
	<lastmod>2010-04-09T03:44:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/chinese-investment-flu</loc>
	<lastmod>2010-04-09T03:44:41+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/index-funds-what-their-advocators-dont-tell-you</loc>
	<lastmod>2010-04-09T03:44:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dear-santa</loc>
	<lastmod>2010-04-09T03:43:27+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/safe-houses</loc>
	<lastmod>2010-04-09T03:42:53+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/time-brings-changes</loc>
	<lastmod>2010-04-09T03:42:26+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/taxing-issues</loc>
	<lastmod>2010-04-09T03:42:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/lifetime-loans-borrow-or-not-borrow</loc>
	<lastmod>2010-04-09T03:42:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/its-not-about-money-its-about-tailored</loc>
	<lastmod>2010-04-09T03:41:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dont-let-truth-get-way-story</loc>
	<lastmod>2010-04-09T03:40:44+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/collapse-secured-debenture-market</loc>
	<lastmod>2010-04-09T03:40:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-advice-understanding-fees-and-commissions</loc>
	<lastmod>2010-04-09T03:39:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/should-you-have-investment-adviser</loc>
	<lastmod>2010-04-09T03:39:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-should-investment-taxation-be-structured</loc>
	<lastmod>2010-04-09T03:39:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finance-company-collapse</loc>
	<lastmod>2010-04-09T03:39:23+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2006-bright-cloudy-patches</loc>
	<lastmod>2010-04-09T03:37:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/asset-allocation-versus-investment-selection</loc>
	<lastmod>2010-04-09T03:37:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/towards-regulation</loc>
	<lastmod>2010-04-09T03:37:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/taking-time-address-your-financial-goals</loc>
	<lastmod>2010-04-09T03:36:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/budgeting-old-fashioned</loc>
	<lastmod>2010-04-09T03:35:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/wait-and-see-all-fronts</loc>
	<lastmod>2010-04-09T03:35:16+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-alternatives</loc>
	<lastmod>2010-04-09T03:34:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/there-more-fixed-interest-just-interest-rates</loc>
	<lastmod>2010-04-09T03:33:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/hedge-funds</loc>
	<lastmod>2010-04-09T03:33:14+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/asset-rich-cash-poor</loc>
	<lastmod>2010-04-09T03:32:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.8</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/it%E2%80%99s-almost-tax-time</loc>
	<lastmod>2018-04-17T23:08:20+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-security-%E2%80%93-fact-or-feeling-1</loc>
	<lastmod>2018-04-17T23:05:31+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/putting-client%E2%80%99s-interests-first</loc>
	<lastmod>2018-04-17T23:02:40+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/avoiding-costly-property-investment-mistakes</loc>
	<lastmod>2018-04-17T23:00:13+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trump-and-his-anti-globalisation</loc>
	<lastmod>2018-04-17T22:58:03+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/avoid-costly-property-investment-mistakes</loc>
	<lastmod>2017-09-18T21:17:44+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/achieving-balance-life</loc>
	<lastmod>2017-09-18T20:44:06+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/borrow-caution</loc>
	<lastmod>2017-09-18T20:41:23+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-direct-property-investment%E2%80%99s-suitable-retirees-0</loc>
	<lastmod>2017-09-18T20:39:16+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/housing-affordability-0</loc>
	<lastmod>2017-09-18T20:35:53+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/common-investment-myths</loc>
	<lastmod>2017-08-15T00:10:43+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/successful-portfolio-management-1</loc>
	<lastmod>2017-08-08T22:57:05+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/successful-portfolio-management-0</loc>
	<lastmod>2017-08-08T22:57:03+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-advice-%E2%80%93-understanding-fees-and-commissions-0</loc>
	<lastmod>2017-08-02T02:25:25+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-syndicates-%E2%80%93-often-ugly-investment</loc>
	<lastmod>2017-08-02T02:18:36+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/valuing-life-0</loc>
	<lastmod>2017-08-02T02:16:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/do-pie-fund-investors-pay-too-much-tax</loc>
	<lastmod>2017-08-02T02:12:34+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/messy-estate-management</loc>
	<lastmod>2017-08-02T02:09:58+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/affording-your-first-property</loc>
	<lastmod>2017-08-02T02:05:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-interest-rates-artificially-low</loc>
	<lastmod>2017-08-02T02:03:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-do-kiwisaver-proceeds-retirement-0</loc>
	<lastmod>2017-08-02T02:01:08+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/blending-families-0</loc>
	<lastmod>2017-08-02T01:57:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-%E2%80%93-are-you-getting-right-advice-0</loc>
	<lastmod>2017-08-02T01:50:18+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/there-value-receiving-investment-advice</loc>
	<lastmod>2017-08-02T01:46:56+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/preparing-elderly-parents-0</loc>
	<lastmod>2017-08-02T01:15:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/relationship-property-basics</loc>
	<lastmod>2017-08-02T01:11:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-zealand-superannuation-%E2%80%93-core-cost-pay-0</loc>
	<lastmod>2017-08-02T01:07:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/importance-export-trade</loc>
	<lastmod>2017-08-02T01:04:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/committing-financial-togetherness-0</loc>
	<lastmod>2017-08-02T01:02:02+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-review-31-march-2017</loc>
	<lastmod>2017-08-02T00:59:14+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-security-%E2%80%93-fact-or-feeling-0</loc>
	<lastmod>2017-08-02T00:56:40+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/funding-tertiary-studies</loc>
	<lastmod>2017-08-02T00:54:20+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-sort-investment-journey-would-you-1</loc>
	<lastmod>2017-08-02T00:51:44+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/be-prepared-be-forgetful-0</loc>
	<lastmod>2017-08-02T00:49:32+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/residential-property-investment</loc>
	<lastmod>2017-08-02T00:46:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/am-i-right-kiwisaver-fund-0</loc>
	<lastmod>2017-08-02T00:41:06+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/wedding-costs-%E2%80%93-keep-it-affordable-0</loc>
	<lastmod>2017-02-20T21:27:35+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/lending-money-friends-and-family-1</loc>
	<lastmod>2017-02-20T21:24:20+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/currency-%E2%80%93-hedge-or-not-hedge-1</loc>
	<lastmod>2017-02-20T21:21:48+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/couples-%E2%80%93-talk-your-partner-about-money-management</loc>
	<lastmod>2017-02-20T21:17:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/passive-investing-%E2%80%93-maybe-you-are-paying-too-much</loc>
	<lastmod>2017-02-20T21:15:01+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/lower-bond-rates-may-be-here-stay</loc>
	<lastmod>2017-02-20T21:12:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2016-review-and-what-will-2017-bring</loc>
	<lastmod>2017-02-20T21:02:49+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/asset-rich-cash-poor-%E2%80%93-dilemma-solutions</loc>
	<lastmod>2017-02-20T20:55:44+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-attraction-gold</loc>
	<lastmod>2016-02-15T21:43:00+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/lending-money-friends-and-family-0</loc>
	<lastmod>2016-02-15T21:37:53+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/final-straw-relationship</loc>
	<lastmod>2016-02-03T05:08:05+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/take-plunge-and-be-honest-yourself</loc>
	<lastmod>2016-01-25T19:08:56+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/honeymoon-over</loc>
	<lastmod>2016-01-18T21:52:46+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/psyching-retirement-recommended</loc>
	<lastmod>2016-01-13T01:28:45+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-sort-investment-journey-would-you-0</loc>
	<lastmod>2016-01-04T20:50:04+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christmas-wishes-2015</loc>
	<lastmod>2015-12-31T21:04:20+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fma-seeks-clarity-about-performance-fees</loc>
	<lastmod>2015-12-31T20:57:47+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/currency-volatility-major-concern</loc>
	<lastmod>2015-12-31T20:55:22+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-year-financial-resolutions-4</loc>
	<lastmod>2015-12-31T20:49:09+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/forecasting-problems</loc>
	<lastmod>2015-11-30T21:09:03+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/there-any-more-sir</loc>
	<lastmod>2015-11-21T04:33:04+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/gardening-and-investing-%E2%80%93-different-similar</loc>
	<lastmod>2015-11-21T04:23:28+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/sales-and-advice</loc>
	<lastmod>2015-11-21T04:20:16+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trusts-%E2%80%93-don%E2%80%99t-over-gift</loc>
	<lastmod>2015-11-02T21:29:13+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/pre-retirement-stress</loc>
	<lastmod>2015-10-26T20:39:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/annuities-%E2%80%93-who-winner</loc>
	<lastmod>2015-10-19T21:52:34+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/committing-financial-togetherness</loc>
	<lastmod>2015-10-12T04:23:16+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/invariably-volatile-quarter</loc>
	<lastmod>2015-10-05T21:41:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/us-fed-indecision-vs-rbnz-boldness</loc>
	<lastmod>2015-09-28T21:11:03+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/right-property-stage-your-life</loc>
	<lastmod>2015-09-28T21:07:30+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-do-kiwisaver-proceeds-retirement</loc>
	<lastmod>2015-09-07T21:52:00+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/low-interest-rates-%E2%80%93-reality</loc>
	<lastmod>2015-08-26T04:31:32+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/have-markets-really-changed</loc>
	<lastmod>2015-08-24T23:00:38+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/beware-potential-scams-0</loc>
	<lastmod>2015-08-17T20:22:26+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-financial-planner</loc>
	<lastmod>2015-08-10T21:06:54+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/term-deposits-%E2%80%93-low-risk</loc>
	<lastmod>2015-08-09T23:42:55+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/your-investment-portfolio-retirement</loc>
	<lastmod>2015-07-27T02:53:31+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-good-are-your-investment-returns</loc>
	<lastmod>2015-07-20T04:17:28+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/chinese-concerns-or-it-xenophobia</loc>
	<lastmod>2015-07-13T06:15:02+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/greek-tragedy-unfolds</loc>
	<lastmod>2015-07-13T01:10:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/it-time-turn-greek-life-support</loc>
	<lastmod>2015-07-13T01:07:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/currency-%E2%80%93-hedge-or-not-hedge-0</loc>
	<lastmod>2015-06-25T03:37:12+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/residential-property-defies-normal-investment-principals</loc>
	<lastmod>2015-06-15T20:46:57+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rest-home-costs</loc>
	<lastmod>2015-06-08T03:34:36+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/hire-purchase-higher-debt</loc>
	<lastmod>2015-06-01T04:05:08+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/breaking-around-retirement</loc>
	<lastmod>2015-05-26T22:09:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investor-emotions-1</loc>
	<lastmod>2015-05-18T20:31:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/taxing-short-term-property-investments</loc>
	<lastmod>2015-05-18T20:28:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/reserve-bank-wants-protect-reverse-mortgage-lenders</loc>
	<lastmod>2015-05-04T19:54:40+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-planning</loc>
	<lastmod>2015-05-04T19:50:55+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/currency-union</loc>
	<lastmod>2015-04-20T23:21:26+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/am-i-right-kiwisaver-fund</loc>
	<lastmod>2015-04-12T23:58:10+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/regulation-designed-enhance-trust-0</loc>
	<lastmod>2015-04-06T22:23:07+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/debt-investing-0</loc>
	<lastmod>2015-04-06T22:19:01+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/successful-portfolio-management</loc>
	<lastmod>2015-03-22T23:32:32+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/direct-vs-advised-insurance-products</loc>
	<lastmod>2015-03-22T23:23:44+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/question-ethics</loc>
	<lastmod>2015-03-09T07:50:35+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/funding-student-studies</loc>
	<lastmod>2015-03-02T21:38:20+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bad-loan-%E2%80%93-bad-luck</loc>
	<lastmod>2015-02-23T21:09:15+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-plans-%E2%80%93-comparing-plums-apples</loc>
	<lastmod>2015-02-16T21:17:48+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-syndicates-%E2%80%93-more-bite-dust</loc>
	<lastmod>2015-02-16T21:14:02+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/spotting-investment-scam-0</loc>
	<lastmod>2015-02-02T21:56:47+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/are-direct-property-investment%E2%80%99s-suitable-retirees</loc>
	<lastmod>2015-02-02T21:53:27+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/wedding-costs-%E2%80%93-keep-it-affordable</loc>
	<lastmod>2015-01-19T21:37:42+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/blending-relationships</loc>
	<lastmod>2015-01-19T21:34:56+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/winners-and-losers-2014</loc>
	<lastmod>2015-01-05T21:38:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-year-financial-resolutions-3</loc>
	<lastmod>2014-12-29T05:14:18+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christmas-wishes-2014</loc>
	<lastmod>2014-12-22T20:26:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-has-happened-market-place</loc>
	<lastmod>2014-12-15T21:57:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/has-qe-driven-us-share-market</loc>
	<lastmod>2014-12-08T21:13:32+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/preparing-elderly-parents</loc>
	<lastmod>2014-12-01T21:17:50+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/does-fixed-interest-rock</loc>
	<lastmod>2014-11-24T21:04:06+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/adi%C3%B3s-air-new-zealand</loc>
	<lastmod>2014-11-17T06:54:24+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/free-trade-agreements</loc>
	<lastmod>2014-11-10T21:13:28+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/be-prepared-be-forgetful</loc>
	<lastmod>2014-11-03T00:01:50+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fresh-pair-eyes-can-make-all-difference</loc>
	<lastmod>2014-10-27T19:32:59+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/gold-%E2%80%93-it-saviour</loc>
	<lastmod>2014-10-20T21:00:14+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-literacy-%E2%80%93-explaining-some-financial-jargon-0</loc>
	<lastmod>2014-10-13T22:08:53+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fma-has-qfe%E2%80%99s-concerns</loc>
	<lastmod>2014-10-13T20:01:26+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/compass-failed-its-direction</loc>
	<lastmod>2014-09-29T20:15:26+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-return-forecasting-folly</loc>
	<lastmod>2014-09-21T01:38:06+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/scottish-voting-could-impact-markets</loc>
	<lastmod>2014-09-16T20:58:51+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/capital-gains-tax-%E2%80%93-web-unintended-consequences</loc>
	<lastmod>2014-09-08T02:23:36+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/price-gouging-or-lack-service</loc>
	<lastmod>2014-09-01T05:27:50+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/shabby-corporate-citizen</loc>
	<lastmod>2014-08-19T00:06:20+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-has-happened-recent-ipo%E2%80%99s</loc>
	<lastmod>2014-08-05T03:24:05+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-fund-performance-survey-30-june-2014</loc>
	<lastmod>2014-08-04T21:52:31+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/user-pays-rest-home-care</loc>
	<lastmod>2014-07-21T04:07:07+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/growing-local-economy</loc>
	<lastmod>2014-07-14T06:03:56+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dollar-cost-averaging</loc>
	<lastmod>2014-07-07T21:07:45+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/interest-rates-are-increasing-%E2%80%93-so-what</loc>
	<lastmod>2014-06-30T22:54:02+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/have-you-withdraw-policy</loc>
	<lastmod>2014-06-24T05:15:02+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/regulation-designed-enhance-trust</loc>
	<lastmod>2014-06-19T01:15:10+00:00</lastmod>
	<changefreq>yearly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-investment-risk</loc>
	<lastmod>2014-06-09T22:35:05+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-zealand-dollar-%E2%80%93-historical-review</loc>
	<lastmod>2014-06-02T03:07:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investor-impact-quantitative-easing</loc>
	<lastmod>2014-05-26T02:23:24+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/budget-everyone</loc>
	<lastmod>2014-05-17T04:57:40+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/it-difficult-get-independent-investment-advice</loc>
	<lastmod>2014-05-12T22:49:54+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/proposed-tools-control-inflation</loc>
	<lastmod>2014-05-05T23:22:34+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/all-glitters-not-necessarily-gold-0</loc>
	<lastmod>2014-04-28T03:57:36+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/lending-money-friends-and-family</loc>
	<lastmod>2014-04-21T22:10:12+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/messy-freud</loc>
	<lastmod>2014-04-14T22:18:36+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/returns-spoilt-currency</loc>
	<lastmod>2014-04-07T21:55:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rising-interest-rates-%E2%80%93-unfamiliar-territory-some</loc>
	<lastmod>2014-03-31T21:51:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/valuing-life</loc>
	<lastmod>2014-03-24T04:35:22+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/insurance-cover-%E2%80%93-good-bad-and-downright-ugly</loc>
	<lastmod>2014-03-17T21:06:58+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-holdings</loc>
	<lastmod>2014-03-10T22:14:38+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/troubles-ukraine</loc>
	<lastmod>2014-03-03T21:57:17+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-are-kiwisaver-returns-stacking</loc>
	<lastmod>2014-02-25T04:23:54+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-security-%E2%80%93-fact-or-feeling</loc>
	<lastmod>2014-02-17T21:43:09+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/following-leader</loc>
	<lastmod>2014-02-12T20:16:03+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/who-pays-adviser</loc>
	<lastmod>2014-02-04T00:49:28+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/emotions-often-get-way-investment-decisions</loc>
	<lastmod>2014-02-04T00:44:52+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/interest-rates-rises-%E2%80%93-it%E2%80%99s-when-not-if</loc>
	<lastmod>2014-02-04T00:40:48+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christmas-wishes-2</loc>
	<lastmod>2014-01-06T21:18:31+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/out-2013-and-2014</loc>
	<lastmod>2014-01-06T21:13:28+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/case-global-corporate-bonds</loc>
	<lastmod>2013-12-09T19:41:45+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-kind-investment-bond</loc>
	<lastmod>2013-12-02T20:23:16+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-year</loc>
	<lastmod>2013-11-25T20:59:31+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/further-partial-privatization</loc>
	<lastmod>2013-11-18T21:00:25+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-periodic-disclosure</loc>
	<lastmod>2013-11-11T21:44:05+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/breaking</loc>
	<lastmod>2013-11-04T21:16:56+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trusts-%E2%80%93-be-wary-over-gifting-0</loc>
	<lastmod>2013-10-28T21:21:26+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/managing-fixed-interest</loc>
	<lastmod>2013-10-12T22:08:54+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/asset-rich-cash-poor-%E2%80%93-working-through-dilemma</loc>
	<lastmod>2013-10-12T22:06:43+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/usa-fiscal-politicking</loc>
	<lastmod>2013-10-07T21:11:30+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/meridian-offer</loc>
	<lastmod>2013-09-30T21:40:08+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/some-relationship-property-basics</loc>
	<lastmod>2013-09-23T22:06:31+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/longer-term-interest-rates-rise</loc>
	<lastmod>2013-09-16T03:59:12+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-can-you-assess-financial-advisers-performance</loc>
	<lastmod>2013-09-09T20:51:45+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/financial-literacy-%E2%80%93-explaining-some-financial-jargon</loc>
	<lastmod>2013-09-02T21:57:28+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/do-pie-fund%E2%80%99s-pay-too-much-tax</loc>
	<lastmod>2013-08-26T22:21:32+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/five-common-investment-myths</loc>
	<lastmod>2013-08-19T00:59:34+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/%E2%80%9Cinvestors-dump-term-deposits-yield-stocks%E2%80%9D</loc>
	<lastmod>2013-08-12T22:40:02+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fonterra-%E2%80%93-wheying-impact</loc>
	<lastmod>2013-08-05T22:24:34+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/kiwisaver</loc>
	<lastmod>2013-07-30T04:50:38+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/who%E2%80%99s-paying-adviser</loc>
	<lastmod>2013-07-29T01:35:26+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-insurance-changes</loc>
	<lastmod>2013-07-29T01:20:00+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/direct-property-investment-suitable-retirees</loc>
	<lastmod>2013-07-15T05:20:57+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/tougher-times-fixed-interest</loc>
	<lastmod>2013-07-08T22:51:52+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/it%E2%80%99s-now-tougher-launder-money</loc>
	<lastmod>2013-06-30T22:50:33+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/overseas-investments-and-pension-transfers</loc>
	<lastmod>2013-06-24T22:29:53+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/illustrating-expected-investment-returns</loc>
	<lastmod>2013-06-17T22:21:33+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-investors-switching-providers</loc>
	<lastmod>2013-06-10T22:58:45+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/smarter-kiwisaver-investing</loc>
	<lastmod>2013-06-03T22:30:30+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-values</loc>
	<lastmod>2013-05-27T22:58:13+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/predictable-budget</loc>
	<lastmod>2013-05-19T00:05:26+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/energy-company-listings</loc>
	<lastmod>2013-05-18T04:53:02+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/how-safe-are-your-bank-deposits</loc>
	<lastmod>2013-05-06T22:26:32+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/broadening-financial-regulation</loc>
	<lastmod>2013-04-27T23:05:57+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/geo-political-risk</loc>
	<lastmod>2013-04-22T04:54:11+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/japan-makes-its-economic-move</loc>
	<lastmod>2013-04-15T22:51:47+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/mighty-river-%E2%80%93-mighty-good-or-not</loc>
	<lastmod>2013-04-08T22:50:10+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/risk-free-investing-%E2%80%93-yeah-right</loc>
	<lastmod>2013-04-01T23:02:45+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/tax-time-draws-near</loc>
	<lastmod>2013-03-25T21:24:19+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-%E2%80%93-are-you-getting-right-advice</loc>
	<lastmod>2013-03-18T03:19:13+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-makes-comeback</loc>
	<lastmod>2013-03-11T22:54:04+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-fund-manager-changes</loc>
	<lastmod>2013-03-04T23:10:46+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/psyching-retirement</loc>
	<lastmod>2013-02-26T12:00:01+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/wedding-costs%E2%80%93-keep-it-affordable</loc>
	<lastmod>2013-02-18T21:44:22+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fonterra-shareholders-fund-%E2%80%93-few-months</loc>
	<lastmod>2013-02-18T21:40:00+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/housing-affordability</loc>
	<lastmod>2013-02-04T00:55:21+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-affordability</loc>
	<lastmod>2013-01-28T21:56:18+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-outcomes</loc>
	<lastmod>2013-01-28T21:52:46+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-year-financial-resolutions-2</loc>
	<lastmod>2013-01-14T02:13:22+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/out-2012-and-2013</loc>
	<lastmod>2013-01-07T20:03:26+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christmas-wishes-1</loc>
	<lastmod>2012-12-17T12:00:02+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/spotting-investment-scam</loc>
	<lastmod>2012-12-10T01:09:04+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dealing-risk-2</loc>
	<lastmod>2012-12-03T21:29:06+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trusts-may-not-always-be-great-safeguard</loc>
	<lastmod>2012-11-26T04:01:23+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/massive-wellington-based-ponzi-scheme</loc>
	<lastmod>2012-11-19T21:24:08+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-are-designations</loc>
	<lastmod>2012-11-12T02:32:11+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/usa-decides-%E2%80%93-what-are-implications</loc>
	<lastmod>2012-11-07T23:04:38+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trading-amongst-farmers</loc>
	<lastmod>2012-10-31T01:10:59+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/we-don%E2%80%99t-appreciate-how-lucky-we-are</loc>
	<lastmod>2012-10-22T04:39:50+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/honesty-and-trust-%E2%80%93-key-long-term-investment-relationships</loc>
	<lastmod>2012-10-22T04:36:54+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/controlling-exchange-rate</loc>
	<lastmod>2012-10-07T04:26:29+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2012-third-quarter</loc>
	<lastmod>2012-10-02T00:50:05+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-%E2%80%93-what-it-going-be-worth</loc>
	<lastmod>2012-09-24T23:00:41+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/where-money</loc>
	<lastmod>2012-09-10T22:51:15+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/5-questions-ask-your-financial-adviser</loc>
	<lastmod>2012-09-03T21:52:12+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/interest-rate-swaps</loc>
	<lastmod>2012-08-28T12:00:19+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/grow-whakatane</loc>
	<lastmod>2012-08-20T23:58:54+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/why-residential-property-seems-defy-normal-investment-principals</loc>
	<lastmod>2012-08-20T23:55:28+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/proportional-property-ownership-%E2%80%93-buyers-beware</loc>
	<lastmod>2012-08-06T22:39:51+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/uk-pension-transfers-%E2%80%93-ird-looks-change-rules</loc>
	<lastmod>2012-07-30T22:18:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/biases-leading-poor-investment-decisions</loc>
	<lastmod>2012-07-23T22:32:30+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/quantitative-easing-or-printing-money</loc>
	<lastmod>2012-07-16T04:42:43+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/changing-fund-managers</loc>
	<lastmod>2012-07-16T04:39:52+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/common-fixed-interest-investments</loc>
	<lastmod>2012-07-02T21:36:10+00:00</lastmod>
	<changefreq>yearly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-%E2%80%93-five-years</loc>
	<lastmod>2012-07-02T21:31:40+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/partial-privatisation-0</loc>
	<lastmod>2012-06-26T20:34:55+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/ethical-dilemma</loc>
	<lastmod>2012-06-18T22:20:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-zealand-superannuation-%E2%80%93-core-cost-pay</loc>
	<lastmod>2012-06-18T22:17:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rest-%E2%80%93-home-care-costs</loc>
	<lastmod>2012-06-04T21:08:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/post-budget-blues</loc>
	<lastmod>2012-05-29T21:37:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/time-financial-planning</loc>
	<lastmod>2012-05-21T22:24:47+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/currency-%E2%80%93-hedge-or-not-hedge</loc>
	<lastmod>2012-05-12T05:45:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-investment-returns</loc>
	<lastmod>2012-05-07T22:00:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fixed-interest-reset-securities</loc>
	<lastmod>2012-04-30T22:19:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/anti-money-laundering</loc>
	<lastmod>2012-04-30T22:15:43+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/justice-time-beleaguered-investors</loc>
	<lastmod>2012-04-16T22:54:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/authorised-or-registered</loc>
	<lastmod>2012-04-16T22:51:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/uk-pension-transfers-%E2%80%93-game-has-changed</loc>
	<lastmod>2012-04-16T22:46:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/debt-investing</loc>
	<lastmod>2012-03-26T20:55:18+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/debt-portfolios</loc>
	<lastmod>2012-03-19T22:29:16+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/tracking-down-elusive-investments</loc>
	<lastmod>2012-03-05T23:18:47+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-advice-%E2%80%93-understanding-fees-and-commissions</loc>
	<lastmod>2012-02-27T20:44:34+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trust-difficulties</loc>
	<lastmod>2012-02-27T20:30:51+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/getting-real-about-wedding-costs</loc>
	<lastmod>2012-02-27T20:28:05+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-%E2%80%93-season-change</loc>
	<lastmod>2012-02-27T20:24:36+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/property-syndicates-%E2%80%93-buyers-beware</loc>
	<lastmod>2012-02-27T20:20:35+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/bring-baby-boomers</loc>
	<lastmod>2012-02-27T20:16:44+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/what-about-some-growth</loc>
	<lastmod>2012-02-27T20:13:22+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/beware-potential-scams</loc>
	<lastmod>2012-02-27T20:08:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-year-financial-resolutions-1</loc>
	<lastmod>2011-12-26T21:19:34+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christmas-wishes-2011</loc>
	<lastmod>2011-12-19T12:30:02+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/apartment-pricing-%E2%80%93-low-or-realistic</loc>
	<lastmod>2011-12-12T20:17:04+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/low-interest-rates-%E2%80%93-new-reality</loc>
	<lastmod>2011-12-06T12:15:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/partial-privatisation</loc>
	<lastmod>2011-11-30T12:30:02+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rates-%E2%80%93-just-another-name-property-taxes</loc>
	<lastmod>2011-11-23T12:00:01+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/economic-chaos-claims-prime-ministers</loc>
	<lastmod>2011-11-21T22:22:52+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/electioneering-and-retirement</loc>
	<lastmod>2011-11-08T12:15:01+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/astrolabe-%E2%80%93-not-just-space-odyssey</loc>
	<lastmod>2011-11-07T21:30:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dream-turns-real</loc>
	<lastmod>2011-11-07T21:25:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-plans-%E2%80%93-compare-apples-apples</loc>
	<lastmod>2011-11-07T21:20:32+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/gold-%E2%80%93-bubble-bursting</loc>
	<lastmod>2011-10-04T12:30:02+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/long-term-outlook-international-shares</loc>
	<lastmod>2011-09-27T12:00:01+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/good-fixed-interest-offer</loc>
	<lastmod>2011-09-19T20:39:12+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/trusts-%E2%80%93-be-wary-over-gifting</loc>
	<lastmod>2011-09-19T20:33:20+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/finance-company-outcomes</loc>
	<lastmod>2011-09-06T13:30:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investor-emotions-0</loc>
	<lastmod>2011-09-04T20:06:35+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/your-adviser-your-side</loc>
	<lastmod>2011-08-24T13:15:20+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-zealand-it-may-be-positive-news</loc>
	<lastmod>2011-08-14T20:13:33+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/europe-bail-out-fears</loc>
	<lastmod>2011-08-09T20:57:58+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/usa-right-mess</loc>
	<lastmod>2011-08-01T20:07:23+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-turns-four</loc>
	<lastmod>2011-07-22T05:38:23+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/interesting-times</loc>
	<lastmod>2011-07-18T03:43:43+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/regulation-starts-financial-advisers</loc>
	<lastmod>2011-07-13T02:47:59+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/images/adviser-details</loc>
	<lastmod>2011-06-28T23:19:17+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/implications-japanese-disaster</loc>
	<lastmod>2011-03-15T23:15:28+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/banking-system-risk-property</loc>
	<lastmod>2011-03-09T12:15:00+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/sovereign-bank-debt-%E2%80%93-elephants-room</loc>
	<lastmod>2011-03-08T02:32:08+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/common-fixed-interest-investments-0</loc>
	<lastmod>2011-02-22T23:30:20+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/christchurch-%E2%80%93-disturbing-reality</loc>
	<lastmod>2011-02-22T23:25:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/big-jolt</loc>
	<lastmod>2011-02-15T23:42:10+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/egypt-%E2%80%93-it-tip-iceberg</loc>
	<lastmod>2011-02-15T23:32:12+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/offshore-fixed-interest</loc>
	<lastmod>2011-02-15T23:27:51+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/apartments-%E2%80%93-investment-or-lifestyle</loc>
	<lastmod>2011-02-15T23:19:43+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dealing-risk-1</loc>
	<lastmod>2011-02-15T23:15:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/new-year-financial-resolutions-0</loc>
	<lastmod>2011-01-05T20:25:14+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/recently-retired</loc>
	<lastmod>2010-12-29T00:10:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/diversification-nothing-new</loc>
	<lastmod>2010-12-29T00:07:47+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/great-mortgage-drama</loc>
	<lastmod>2010-12-29T00:02:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/imminent-arrival-qe-2</loc>
	<lastmod>2010-12-29T00:00:05+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/third-quarter-2010</loc>
	<lastmod>2010-12-28T23:56:41+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/2010-year-review</loc>
	<lastmod>2010-12-28T23:52:12+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/spring-air-0</loc>
	<lastmod>2010-12-28T23:51:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/responsible-investing-trusts-0</loc>
	<lastmod>2010-12-28T23:45:53+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/live-today-estate-pays-later-0</loc>
	<lastmod>2010-12-28T23:41:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/big-brothers-influence</loc>
	<lastmod>2010-12-28T23:36:57+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/emotions-investing</loc>
	<lastmod>2010-12-28T23:30:16+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dear-santa-1</loc>
	<lastmod>2010-12-28T23:25:18+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/reverse-mortgages-%E2%80%93-renewed-interest</loc>
	<lastmod>2010-09-15T01:44:59+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/dealing-risk-0</loc>
	<lastmod>2010-09-09T03:59:18+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investors-saved-taxpayers</loc>
	<lastmod>2010-09-09T03:43:19+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/protecting-against-inflation</loc>
	<lastmod>2010-08-19T12:00:06+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-bubbles</loc>
	<lastmod>2010-08-17T02:49:49+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/kiwisaver-now-its-third-year-%E2%80%93-what-are-lessons</loc>
	<lastmod>2010-08-02T01:35:28+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/currency-%E2%80%93-it-real-issue-fixed-interest</loc>
	<lastmod>2010-07-27T04:57:12+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/there-more-fixed-interest-just-interest-rates-0</loc>
	<lastmod>2010-07-23T12:03:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/when-relationships-end-0</loc>
	<lastmod>2010-07-20T03:26:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/forewarned-forearmed</loc>
	<lastmod>2010-07-16T05:07:07+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/interesting-week</loc>
	<lastmod>2010-06-30T12:00:03+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/regulatory-changes-continuing-saga</loc>
	<lastmod>2010-06-29T02:06:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/stimulating-economy</loc>
	<lastmod>2010-06-29T02:00:31+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/wealth-creation-schemes</loc>
	<lastmod>2010-06-08T03:58:24+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/fund-manager-staff-changes</loc>
	<lastmod>2010-06-01T04:15:44+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/investment-tax-return-time</loc>
	<lastmod>2010-05-27T13:16:42+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/blatant-dishonesty</loc>
	<lastmod>2010-05-26T03:02:21+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/rules-thumb-0</loc>
	<lastmod>2010-05-26T02:56:46+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/printing-presses-roll</loc>
	<lastmod>2010-05-26T02:49:33+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/your-family-trust-kosher</loc>
	<lastmod>2010-05-26T02:02:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/retiring-debt-versus-saving-1</loc>
	<lastmod>2010-05-26T01:54:50+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/lets-chat</loc>
	<lastmod>2010-05-13T03:00:41+00:00</lastmod>
	<changefreq>hourly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles/highs-and-lows-past-financial-year</loc>
	<lastmod>2010-05-12T06:38:26+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/investment-advisors-and-portfolio-managers</loc>
	<lastmod>2010-05-12T05:06:31+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/disclosure-statement</loc>
	<lastmod>2010-05-12T05:03:45+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/what-we-offer</loc>
	<lastmod>2010-05-12T04:49:37+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/images/gordon-brown</loc>
	<lastmod>2010-05-11T05:06:43+00:00</lastmod>
	<changefreq>daily</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/welcome-your-financial-future</loc>
	<lastmod>2010-04-16T01:56:55+00:00</lastmod>
	<changefreq>weekly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/testimonials/g-j</loc>
	<lastmod>2010-04-14T04:42:05+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/testimonials/r-j</loc>
	<lastmod>2010-04-14T04:33:48+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/testimonials/c-d</loc>
	<lastmod>2010-04-14T04:32:21+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/articles</loc>
	<lastmod>2010-04-13T02:04:21+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/what-sort-investments-do-you-offer-fixed-interest</loc>
	<lastmod>2010-04-09T05:09:31+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/how-do-you-assess-research-you-receive</loc>
	<lastmod>2010-04-09T05:09:15+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/how-do-you-determine-your-asset-allocations</loc>
	<lastmod>2010-04-09T05:08:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/what-are-some-advantages-not-being-part-large-network</loc>
	<lastmod>2010-04-09T05:08:39+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/i%E2%80%99m-doing-fee-comparison-between-advisers-can-i-readily-compare-your-fees-others</loc>
	<lastmod>2010-04-09T05:08:21+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/who-are-fund-managers-and-what-managed-funds-do-you-use</loc>
	<lastmod>2010-04-09T05:07:47+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/what-if-i-just-want-advice</loc>
	<lastmod>2010-04-09T05:07:30+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/im-already-invested-another-advisory-firm-can-i-transfer-my-business-pascoe-barton</loc>
	<lastmod>2010-04-09T05:07:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/faq/i-dont-live-near-your-office-how-do-you-deal-clients-situation</loc>
	<lastmod>2010-04-09T05:06:48+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/images/welcome-your-financial-future</loc>
	<lastmod>2010-04-09T04:58:00+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/images/cfp-logo</loc>
	<lastmod>2010-04-09T04:18:58+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/images/susan-pascoe-barton</loc>
	<lastmod>2010-04-09T04:17:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/images/steven-barton</loc>
	<lastmod>2010-04-09T04:16:18+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/images/steven-and-susan</loc>
	<lastmod>2010-04-09T04:14:09+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/testimonials/w-k</loc>
	<lastmod>2010-04-13T03:10:49+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.3</priority>
</url>
<url>
	<loc>http://www.pascoebarton.co.nz/disclosure-statement-0</loc>
	<lastmod>2010-04-09T05:26:31+00:00</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.3</priority>
</url>
</urlset>