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	<title>SB Network</title>
	
	<link>http://www.sbnetwork.co.za</link>
	<description>Networking for Small Businesses in South Africa</description>
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		<title>Saving Money During a Recession: Mission Impossible?</title>
		<link>http://www.sbnetwork.co.za/saving-money-during-a-recession-mission-impossible/</link>
		<comments>http://www.sbnetwork.co.za/saving-money-during-a-recession-mission-impossible/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 12:46:38 +0000</pubDate>
		<dc:creator>Paul Bester</dc:creator>
				<category><![CDATA[Budgets]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Bargains]]></category>
		<category><![CDATA[Discipline]]></category>
		<category><![CDATA[Discount Coupons]]></category>
		<category><![CDATA[Dollar Value]]></category>
		<category><![CDATA[Dread]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Good Reason]]></category>
		<category><![CDATA[Groceries]]></category>
		<category><![CDATA[Impulse Buying]]></category>
		<category><![CDATA[Mission Impossible]]></category>
		<category><![CDATA[Monthly Budget]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[Reference]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Seasonal Sales]]></category>
		<category><![CDATA[Store Rebates]]></category>
		<category><![CDATA[T Pay]]></category>
		<category><![CDATA[Visions]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=876</guid>
		<description><![CDATA[Recession is a word that fills people with dread and bad visions.  It&#8217;s a time people consider bad for finances, a time capable of magically shrinking a dollar&#8217;s value overnight.  It also automatically increases the cost of basic living.  And where money is a huge concern, people always ask, &#8216;Can I still save for real [...]]]></description>
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		<item>
		<title>How to Safeguard Your Financial Life</title>
		<link>http://www.sbnetwork.co.za/how-to-safeguard-your-financial-life/</link>
		<comments>http://www.sbnetwork.co.za/how-to-safeguard-your-financial-life/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 07:27:16 +0000</pubDate>
		<dc:creator>Paul Bester</dc:creator>
				<category><![CDATA[FeaturedContent]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Debate]]></category>
		<category><![CDATA[Elements]]></category>
		<category><![CDATA[Emergencies]]></category>
		<category><![CDATA[Emergency Fund]]></category>
		<category><![CDATA[Emergency Reserve]]></category>
		<category><![CDATA[Extra Cash]]></category>
		<category><![CDATA[Financial Crisis]]></category>
		<category><![CDATA[Financial Planners]]></category>
		<category><![CDATA[Financial Stability]]></category>
		<category><![CDATA[How Much Money]]></category>
		<category><![CDATA[Least Three Months]]></category>
		<category><![CDATA[Living Expenses]]></category>
		<category><![CDATA[Parents]]></category>
		<category><![CDATA[Paycheck]]></category>
		<category><![CDATA[Peace Of Mind]]></category>
		<category><![CDATA[Personal Circumstances]]></category>
		<category><![CDATA[Retirement Fund]]></category>
		<category><![CDATA[Six Months]]></category>
		<category><![CDATA[Unexpected Events]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=872</guid>
		<description><![CDATA[Several financial planners would agree that one of the foremost and important steps that you should take to protect your financial stability is to set aside funds as emergency reserve. The concept that you have the fund for emergency and unexpected events is enough to help you stay away from using your credit card and [...]]]></description>
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		</item>
		<item>
		<title>Tips on How to Teach Your Kids to Save Money</title>
		<link>http://www.sbnetwork.co.za/tips-on-how-to-teach-your-kids-to-save-money/</link>
		<comments>http://www.sbnetwork.co.za/tips-on-how-to-teach-your-kids-to-save-money/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 09:47:44 +0000</pubDate>
		<dc:creator>Paul Bester</dc:creator>
				<category><![CDATA[Budgets]]></category>
		<category><![CDATA[FeaturedContent]]></category>
		<category><![CDATA[Bank Accounts]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Coins]]></category>
		<category><![CDATA[Denominations]]></category>
		<category><![CDATA[Deposit Money]]></category>
		<category><![CDATA[Dishes]]></category>
		<category><![CDATA[Earning Money]]></category>
		<category><![CDATA[Fifty Cents]]></category>
		<category><![CDATA[How To Save Money]]></category>
		<category><![CDATA[Kids Money]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[New Pair Of Shoes]]></category>
		<category><![CDATA[Pair Of Shoes]]></category>
		<category><![CDATA[Parents]]></category>
		<category><![CDATA[Perfect Time]]></category>
		<category><![CDATA[Pets]]></category>
		<category><![CDATA[Real Money]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Spending Money]]></category>
		<category><![CDATA[Work Money]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=868</guid>
		<description><![CDATA[A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area. You should be able to teach your kids on how to save money. They should be [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Motivate Yourself Forever</title>
		<link>http://www.sbnetwork.co.za/how-to-motivate-yourself-forever/</link>
		<comments>http://www.sbnetwork.co.za/how-to-motivate-yourself-forever/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 12:51:13 +0000</pubDate>
		<dc:creator>Paul Bester</dc:creator>
				<category><![CDATA[Human Resources]]></category>
		<category><![CDATA[Personal Empowerment]]></category>
		<category><![CDATA[Achieving Success]]></category>
		<category><![CDATA[Conspicuous Place]]></category>
		<category><![CDATA[Contracts]]></category>
		<category><![CDATA[Cultures]]></category>
		<category><![CDATA[Discouragement]]></category>
		<category><![CDATA[Encouragement]]></category>
		<category><![CDATA[Good Job]]></category>
		<category><![CDATA[Happy Thoughts]]></category>
		<category><![CDATA[Lack Of Motivation]]></category>
		<category><![CDATA[Longest Time]]></category>
		<category><![CDATA[Objective]]></category>
		<category><![CDATA[People]]></category>
		<category><![CDATA[Point In Time]]></category>
		<category><![CDATA[Regard]]></category>
		<category><![CDATA[Researches]]></category>
		<category><![CDATA[Self Esteem]]></category>
		<category><![CDATA[Smile]]></category>
		<category><![CDATA[Spotlight]]></category>
		<category><![CDATA[Visual Goals]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=866</guid>
		<description><![CDATA[Just as willpower is an essential factor in achieving success, at some point in time, discouragement and lack of motivation may hinder you from reaching your objective. And it is up to you, and you alone to devise techniques that will help you keep that drive within afire. It is helpful to have visual goals. [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding Attorney Services Fees</title>
		<link>http://www.sbnetwork.co.za/understanding-attorney-services-fees/</link>
		<comments>http://www.sbnetwork.co.za/understanding-attorney-services-fees/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 04:48:04 +0000</pubDate>
		<dc:creator>Kenny Blewett</dc:creator>
				<category><![CDATA[FeaturedContent]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Attorney Fees]]></category>
		<category><![CDATA[Attorney Services]]></category>
		<category><![CDATA[Business Deal]]></category>
		<category><![CDATA[Current Market]]></category>
		<category><![CDATA[Divorce]]></category>
		<category><![CDATA[How Much Money]]></category>
		<category><![CDATA[Important Things]]></category>
		<category><![CDATA[Legal Actions]]></category>
		<category><![CDATA[Legal Advice]]></category>
		<category><![CDATA[Many Things]]></category>
		<category><![CDATA[Professional Fees]]></category>
		<category><![CDATA[Professional Services]]></category>
		<category><![CDATA[Public Attorneys]]></category>
		<category><![CDATA[Sensitive Cases]]></category>
		<category><![CDATA[Valid Reason]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=863</guid>
		<description><![CDATA[In some part of our lives, there will come a time when we will need attorney services. We may need their professional services when we buy a property, close a business deal, adopt a child, file for divorce, or when we need someone to defend us in courts. And throughout the time that we deal [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Recession’s Effects on Your Business and How to Control it.</title>
		<link>http://www.sbnetwork.co.za/recession%e2%80%99s-effects-on-your-business-and-how-to-control-it/</link>
		<comments>http://www.sbnetwork.co.za/recession%e2%80%99s-effects-on-your-business-and-how-to-control-it/#comments</comments>
		<pubDate>Thu, 24 Nov 2011 13:17:08 +0000</pubDate>
		<dc:creator>Paul Bester</dc:creator>
				<category><![CDATA[Business Management]]></category>
		<category><![CDATA[FeaturedContent]]></category>
		<category><![CDATA[Financials]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Sales]]></category>
		<category><![CDATA[Ac Unit]]></category>
		<category><![CDATA[Acquisition Techniques]]></category>
		<category><![CDATA[Business Form]]></category>
		<category><![CDATA[Business Operations]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Customer Acquisition]]></category>
		<category><![CDATA[Electricity]]></category>
		<category><![CDATA[Existing Customers]]></category>
		<category><![CDATA[Full Blast]]></category>
		<category><![CDATA[Households]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Losing Track]]></category>
		<category><![CDATA[Online Marketing]]></category>
		<category><![CDATA[Physical Location]]></category>
		<category><![CDATA[Problem With Your Credit Card]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[Scarcity]]></category>
		<category><![CDATA[Ways To Save Money]]></category>
		<category><![CDATA[Weather]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=860</guid>
		<description><![CDATA[The impact of recession can be very damaging not only to households but to businesses as well. Below you can learn about these effects of recession and prevent your business from succumbing into its deadly claws. 1. Customer scarcity When you have too few customers, consequently, your income suffers as well. The rising prices make [...]]]></description>
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		<item>
		<title>How Your Business Can Survive a Recession</title>
		<link>http://www.sbnetwork.co.za/how-your-business-can-survive-a-recession/</link>
		<comments>http://www.sbnetwork.co.za/how-your-business-can-survive-a-recession/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 13:33:28 +0000</pubDate>
		<dc:creator>Paul Bester</dc:creator>
				<category><![CDATA[FeaturedContent]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Sales]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Best Time]]></category>
		<category><![CDATA[Boss]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Customer Service]]></category>
		<category><![CDATA[Focus]]></category>
		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Periods]]></category>
		<category><![CDATA[Profit Margins]]></category>
		<category><![CDATA[promote]]></category>
		<category><![CDATA[Recession]]></category>
		<category><![CDATA[Refresher Course]]></category>
		<category><![CDATA[Service Business]]></category>
		<category><![CDATA[Stake]]></category>
		<category><![CDATA[Start Business]]></category>
		<category><![CDATA[Three Pieces]]></category>
		<category><![CDATA[Train]]></category>
		<category><![CDATA[Wallet]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=857</guid>
		<description><![CDATA[Almost every business will be affected by a recession. If you don’t take the appropriate steps, you will have to file for bankruptcy and close. Fortunately, there are things you can do to prevent it from happening. Focus on customer service. In any business, you have to entertain the customer so he or she will [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>ABSA Business Advantage Quarterly Meeting – 19 May 2010</title>
		<link>http://www.sbnetwork.co.za/absa-business-advantage-quarterly-meeting-19-may-2010/</link>
		<comments>http://www.sbnetwork.co.za/absa-business-advantage-quarterly-meeting-19-may-2010/#comments</comments>
		<pubDate>Thu, 06 May 2010 06:37:27 +0000</pubDate>
		<dc:creator>Fanie van der Merwe</dc:creator>
				<category><![CDATA[Absa SBN Circles]]></category>
		<category><![CDATA[Events]]></category>
		<category><![CDATA[Quarterly Meetings]]></category>
		<category><![CDATA[Absa Co Za]]></category>
		<category><![CDATA[Aria]]></category>
		<category><![CDATA[Business Advantage]]></category>
		<category><![CDATA[Business Breakfast]]></category>
		<category><![CDATA[Business Meeting]]></category>
		<category><![CDATA[Business Planning]]></category>
		<category><![CDATA[Caption]]></category>
		<category><![CDATA[E Mail Address]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Function Venue]]></category>
		<category><![CDATA[Gottfried]]></category>
		<category><![CDATA[Guest Speaker]]></category>
		<category><![CDATA[M13]]></category>
		<category><![CDATA[Networking]]></category>
		<category><![CDATA[Quarterly Breakfast]]></category>
		<category><![CDATA[Quarterly Business]]></category>
		<category><![CDATA[Sharman]]></category>
		<category><![CDATA[Special Dietary Requirements]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=836</guid>
		<description><![CDATA[The ABSA Business Advantage Quarterly Breakfast is scheduled for May 19, 2010. Absa Quarterly Business Breakfast You are cordially invited to a morning of networking and information sharing with Absa. Guest Speaker: Errol Gottfried Meyer: The Power of . . . Business Financial Planning! Date: 19 May 2010 Time: 08:00 for 08:30 – 10:30 Venue: [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Burjins Consulting on SETAs in South Africa</title>
		<link>http://www.sbnetwork.co.za/burjins-consulting-on-setas-in-south-africa/</link>
		<comments>http://www.sbnetwork.co.za/burjins-consulting-on-setas-in-south-africa/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 09:16:10 +0000</pubDate>
		<dc:creator>Fanie van der Merwe</dc:creator>
				<category><![CDATA[Absa SBN Circles]]></category>
		<category><![CDATA[Parow]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Bonus]]></category>
		<category><![CDATA[Setas]]></category>
		<category><![CDATA[Slideshow]]></category>
		<category><![CDATA[South Africa]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=834</guid>
		<description><![CDATA[If you missed it, view the slideshow about the SETAs for more information. Every busy should at least have a plan! The pay-backs from government is a bonus.]]></description>
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		</item>
		<item>
		<title>Taxes: Are You Crossing the Line?</title>
		<link>http://www.sbnetwork.co.za/taxes-are-you-crossing-the-line/</link>
		<comments>http://www.sbnetwork.co.za/taxes-are-you-crossing-the-line/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 07:51:01 +0000</pubDate>
		<dc:creator>Paul Bester</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Financials]]></category>
		<category><![CDATA[Applicable Parties]]></category>
		<category><![CDATA[Colds Flu]]></category>
		<category><![CDATA[Crossing The Line]]></category>
		<category><![CDATA[Effective Tax Rate]]></category>
		<category><![CDATA[Filing Tax Returns]]></category>
		<category><![CDATA[Final Payments]]></category>
		<category><![CDATA[Finality]]></category>
		<category><![CDATA[Flu]]></category>
		<category><![CDATA[Good Reason]]></category>
		<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[John Hancock]]></category>
		<category><![CDATA[Letter Of The Law]]></category>
		<category><![CDATA[Magnitude]]></category>
		<category><![CDATA[Migraine]]></category>
		<category><![CDATA[Migraine Headaches]]></category>
		<category><![CDATA[Nicholas Narlis]]></category>
		<category><![CDATA[Rewards]]></category>
		<category><![CDATA[Smoking Gun]]></category>
		<category><![CDATA[Tax Authorities]]></category>
		<category><![CDATA[Time Of Year]]></category>

		<guid isPermaLink="false">http://www.sbnetwork.co.za/?p=832</guid>
		<description><![CDATA[By Nicholas Narlis How aggressive do you get this time of year when final payments are due for your annual income tax returns? The benefit of lowering your effective tax rate to save money is very compelling. However, the consequences of the tax authorities swooping in to discredit (and even prosecute) questionable items can be [...]]]></description>
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