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    <loc>https://www.advisme.co.nz/articles/new-hope-in-old-appalachia-lly88-j9zd2-syken-cgx4t-4lwzw</loc>
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      <image:title>Articles - Will the bright-line test changes affect separating couples? - There has been a lot of publicity recently regarding the extension of the bright-line test from 5 years to 10 years.  The bright-line test applies to all residential property, other than the main dwelling. If a property is sold within 10 years of acquisition, any capital gain is taxable.</image:title>
      <image:caption>So when parties separate, the bright-line test does not apply to the main family home, but it will apply to any investment properties or a holiday home.</image:caption>
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  <url>
    <loc>https://www.advisme.co.nz/articles/who-owns-copyright-in-a-photo-94ewp-dawka-epaee</loc>
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    <priority>0.5</priority>
    <lastmod>2023-04-10</lastmod>
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      <image:title>Articles - Who owns copyright in a photo? - A high-profile reality TV family have been in the news recently due to their attempts to remove an unfiltered photo of Khloe from the Internet.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/why-deserts-matter-too-maymt-rama9-dfcp9-3jgd6-f82f3</loc>
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    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/e2e42185-3ae8-40d0-9839-c7edbd368b9b/Wedding%2BRings.jpg</image:loc>
      <image:title>Articles - Opening a window on separation - The recent news that Bill and Melinda Gates have decided to separate came as a shock to many people, as the high-profile philanthropic couple have been married for 27 years.</image:title>
      <image:caption>However, this reflects a growing trend, both in New Zealand and internationally, towards later-in-life divorce. The stress of the COVID-19 pandemic and associated lockdowns has also put a strain on many relationships, leading to a spike in separations over the past year.</image:caption>
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  <url>
    <loc>https://www.advisme.co.nz/articles/cartel-conduct-now-a-criminal-offence-in-new-zealand-nhbk2-4a8yg-5c4wh</loc>
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    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:title>Articles - Cartel conduct now a criminal offence in New Zealand - Businesses talking formally or informally to their competitors need to take care, as engaging in cartel conduct is now a criminal offence. From 8 April 2021, the Commerce (Criminalisation of Cartels) Amendment Act 2019 comes into effect, and an individual who deliberately engages in cartel conduct commits a criminal offence.</image:title>
      <image:caption>Individuals can face 7 years in prison or a fine of up to $500,000. Businesses can be fined up to $10 million, three times the commercial gain of the offence, or 10% of the turnover for each year in which the conduct took place.</image:caption>
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  <url>
    <loc>https://www.advisme.co.nz/articles/making-a-counteroffer-what-to-know-before-you-sign-on-the-dotted-line-fn5l2-bsnfy-k37ll</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/d120b52d-a209-41a8-8731-bc3af371b4c0/image-asset.jpg</image:loc>
      <image:title>Articles - Making a counteroffer: what to know before you sign on the dotted line - When buying or selling a property, price negotiations are very common, especially in New Zealand’s currently overheated housing market.</image:title>
      <image:caption>A recent High Court case is a useful lesson in why you should never put your signature on an offer if you are not willing to follow through, even if you do not think that the offer will be accepted.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/get-out-there-n9t2h-y4j44-lwghl-6gt5t-3xer6</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/1680209801905-9KDC8AEW4VS6K6JS881S/Working+unwell+AdviSME.png</image:loc>
      <image:title>Articles - Sick leave will increase from 5 days to 10 days - From late July 2021 to late July 2022, all New Zealand employees will see their sick leave entitlements increase from 5 days to 10 days each entitlement year.</image:title>
      <image:caption>The changes have arisen out of the COVID-19 pandemic, which the Government believes has highlighted the need for employees to have adequate sick leave, to discourage “toughing it out” by coming into work when they are sick, and potentially infecting others.</image:caption>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/why-is-customer-privacy-important-to-my-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/1681104802836-55K1HZU818DY7IPGL8SR/unsplash-image-ra4vJwxnvAo.jpg</image:loc>
      <image:title>Articles - Why is customer privacy important to my business? - Did you know that more than ⅔ consumers believe that a company’s privacy practices are linked to its trustworthiness, according to a recent US consumer survey? Many say that they won’t buy from a company if they don’t trust how the company will use their data.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/immigration-new-zealand-post-accreditation-checks-underway</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:title>Articles - Immigration New Zealand post-accreditation checks underway</image:title>
      <image:caption>If you are an accredited employer employing migrants who hold an Accredited Employer Work Visa (AEWV), you may be hearing from Immigration New Zealand soon.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/changes-for-property-investors-in-the-governments-new-housing-policy</loc>
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    <priority>0.5</priority>
    <lastmod>2023-06-01</lastmod>
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      <image:title>Articles - Changes for property investors in the Government’s new housing policy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.advisme.co.nz/articles/are-assets-only-safe-until-death-do-us-part</loc>
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    <priority>0.5</priority>
    <lastmod>2023-06-01</lastmod>
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      <image:title>Articles - Are assets only safe until death do us part? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/relationship-property-is-something-you-need-to-be-aware-of</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/1685594540039-5DPOPMU7AL454TY8AP6R/image-asset.jpeg</image:loc>
      <image:title>Articles - Relationship property is something you need to be aware of - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/buying-or-selling-a-business-new-purchase-price-allocation-rules-from-1-april-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-01</lastmod>
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      <image:title>Articles - Buying or selling a business: new Purchase Price Allocation rules from 1 April 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.advisme.co.nz/articles/privacy-scrutiny-for-residential-landlords</loc>
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    <lastmod>2023-10-10</lastmod>
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      <image:title>Articles - Privacy scrutiny for residential landlords - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.advisme.co.nz/articles/compulsory-covid-vaccines-for-employees</loc>
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    <priority>0.5</priority>
    <lastmod>2023-06-01</lastmod>
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      <image:title>Articles - Compulsory COVID vaccines for employees? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/timely-reminder-about-directors-duties-to-creditors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/1685658277846-RYP2VHDRQM80SD467SYL/unsplash-image-1RT4txDDAbM.jpg</image:loc>
      <image:title>Articles - Timely reminder about directors’ duties to creditors - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/important-changes-to-new-zealands-privacy-laws</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-01</lastmod>
    <image:image>
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      <image:title>Articles - Important Changes to New Zealand’s Privacy Laws - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/the-problem-with-personal-guarantees</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-02</lastmod>
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      <image:title>Articles - The problem with personal guarantees - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/when-to-review-your-trust</loc>
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    <lastmod>2023-06-02</lastmod>
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      <image:title>Articles - When to review your trust - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.advisme.co.nz/articles/putting-contracts-in-writing</loc>
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    <lastmod>2023-10-10</lastmod>
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      <image:title>Articles - Putting contracts in writing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/what-you-should-know-about-your-lease</loc>
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    <priority>0.5</priority>
    <lastmod>2023-06-05</lastmod>
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      <image:title>Articles - What you should know about your lease - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/when-should-you-seek-legal-advice-on-a-dispute</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/1686014451519-5SBAJM6493UDFF2YJ71Q/image-asset.jpeg</image:loc>
      <image:title>Articles - When should you seek legal advice on a dispute? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/protecting-your-business-from-the-unexpected</loc>
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    <priority>0.5</priority>
    <lastmod>2023-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6425f77c30b2c7188cff07d8/1686015956197-R4Z7TGBF0PNJ33ZK4UZB/image-asset.jpeg</image:loc>
      <image:title>Articles - Protecting your business from the unexpected - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Corporate+Commercial</loc>
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  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Lease</loc>
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  <url>
    <loc>https://www.advisme.co.nz/articles/tag/IP</loc>
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  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Running+a+Business</loc>
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  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Trusts</loc>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Copyright</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Privacy</loc>
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  <url>
    <loc>https://www.advisme.co.nz/articles/tag/High+Court+Case</loc>
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  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Employment</loc>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Relationship+Property</loc>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Commercial+Property</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Directors</loc>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Covid19</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Business+Obligations</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Immigration</loc>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Family</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Dispute</loc>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Trade+Mark</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Property</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/articles/tag/Contracts</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.advisme.co.nz/guide-to-buying-a-business</loc>
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    <priority>0.75</priority>
    <lastmod>2023-06-14</lastmod>
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  </url>
  <url>
    <loc>https://www.advisme.co.nz/guide-to-good-governance</loc>
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    <lastmod>2023-06-29</lastmod>
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