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    <loc>https://www.chestergrey.co.nz/insights/ird-automated-voice-messages</loc>
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    <lastmod>2026-04-01</lastmod>
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      <image:title>Insights - IRD automated voice messages</image:title>
      <image:caption>IRD may call if you have overdue tax and/or late Income Tax returns</image:caption>
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    <loc>https://www.chestergrey.co.nz/insights/payroll-changes</loc>
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    <lastmod>2026-03-26</lastmod>
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      <image:title>Insights - Payroll Changes - From 1 April 2026, New Zealand employers must update payroll systems to reflect a higher minimum wage, increased KiwiSaver contributions and revised ACC levies.</image:title>
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    <loc>https://www.chestergrey.co.nz/insights/acc-levy-changes</loc>
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    <lastmod>2026-03-26</lastmod>
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      <image:title>Insights - ACC Levy changes</image:title>
      <image:caption>ACC Levy changes from 1 April 2026</image:caption>
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    <loc>https://www.chestergrey.co.nz/insights/tax-debt-can-impact-your-credit-score</loc>
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    <lastmod>2026-02-24</lastmod>
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      <image:title>Insights - Tax Debt Can Impact Your Credit Score - A Heads-up from IRD</image:title>
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    <loc>https://www.chestergrey.co.nz/insights/financial-year-end-checklist-1</loc>
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    <priority>0.5</priority>
    <lastmod>2026-02-24</lastmod>
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      <image:title>Insights - Financial Year-End Checklist - If your business has a March Balance Date, the financial year is coming to a close</image:title>
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    <lastmod>2026-02-24</lastmod>
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      <image:title>Insights - IRD NEWS - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/ef196f75-54f4-4a57-bbd6-f4bc37b95359/Kiwisaver+3.png</image:loc>
      <image:title>Insights - IRD NEWS</image:title>
      <image:caption>Changes to the KiwiSaver contribution rate</image:caption>
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    <loc>https://www.chestergrey.co.nz/insights/chester-grey-news-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1e2bf121-1c90-4645-864a-d22ec0474bc1/2026+chinese+new+year+decorations.png</image:loc>
      <image:title>Insights - Chester Grey News - 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.chestergrey.co.nz/insights/do-customers-still-want-good-old-fashioned-customer-service</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/6bad585c-bc4a-476e-91c7-a17e056d3d29/unsplash-image-GFrBMipOd_E.jpg</image:loc>
      <image:title>Insights - Do customers still want good, old-fashioned customer service?</image:title>
      <image:caption>Customer service has changed, but there’s still great value in personalised customer service</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/understanding-entertainment-expenses-in-new-zealand</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-02</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/d47a30da-f19c-4b5f-b6fc-9a6239ea4943/entertainment+3.jpeg</image:loc>
      <image:title>Insights - Understanding Entertainment Expenses in New Zealand</image:title>
      <image:caption>Business is not all work and no play.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.chestergrey.co.nz/insights/dealing-with-the-ageing-workforce-challenge</loc>
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    <priority>0.5</priority>
    <lastmod>2025-11-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/5475e9c0-6f6f-481b-b6c3-2a61ca8092b7/251028+-+Dealing+with+the+ageing+workforce.png</image:loc>
      <image:title>Insights - Dealing with the ageing workforce challenge - Is retirement for all of us?</image:title>
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  <url>
    <loc>https://www.chestergrey.co.nz/insights/government-investment-fuels-enforcement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/183d420f-0e93-4f2a-b701-f46a57d4b421/tax.png</image:loc>
      <image:title>Insights - Government Investment Fuels Enforcement - Record Returns &amp; Rising Audits</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/73566eb6-dd18-48f2-b464-d0d8f20ca488/IRD+compliance+operations.png</image:loc>
      <image:title>Insights - Government Investment Fuels Enforcement - Make it stand out</image:title>
      <image:caption>These efforts yielded $1.4 billion in compliance revenue, $4.3 billion in overdue debt collections, and $243 million in overseas student loan repayments, exceeding all targets.</image:caption>
    </image:image>
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  <url>
    <loc>https://www.chestergrey.co.nz/insights/ird-news-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/cb2a7a97-9074-4668-a211-6e03193c1c3d/IRD+banner.png</image:loc>
      <image:title>Insights - IRD News - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/ac4f2992-a8e3-4a75-a4d8-e3d774c698bd/Debt+Collection.jpg</image:loc>
      <image:title>Insights - IRD News - Debt Management</image:title>
      <image:caption>IRD is shifting its strategy to tackle growing tax debt which now sits at 7.7% of total tax revenue</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/a5c2584e-77ec-4ae4-add7-984d10af1f7b/Tertiary+fee.png</image:loc>
      <image:title>Insights - IRD News - Tertiary Final-Year Fees Free</image:title>
      <image:caption>IRD is now responsible for supporting tertiary learners with final-year Fees Free information, assessing learner eligibility and paying entitlements</image:caption>
    </image:image>
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    <priority>0.5</priority>
    <lastmod>2025-11-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/54cbd96b-945c-427d-9451-5efaf13b4e2f/Alan+chesters+birthday.png</image:loc>
      <image:title>Insights - Chester Grey News - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1762391555880-MZ8T9BBB0H3T70I1S9JD/diwali%252Bdecorations.jpg</image:loc>
      <image:title>Insights - Chester Grey News</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1762391110066-JI7PG7CG4F1N5YPLGICN/2025+October+-++Diwali+morning+tea+%2811%29.jpg</image:loc>
      <image:title>Insights - Chester Grey News</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1762391181356-AHK8FQ8KR85K5P9MWBGM/2025+October+-++Diwali+morning+tea+%286%29.JPG</image:loc>
      <image:title>Insights - Chester Grey News</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/87a2d8fa-3e8e-40f5-bc19-3f6425578c50/diwali+morning+tea.jpg</image:loc>
      <image:title>Insights - Chester Grey News - 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.chestergrey.co.nz/insights/what-science-says-about-taking-regular-breaks-at-work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/e4823444-7818-4305-b030-bd5b33347396/What+science+says+about+taking+regular+breaks+at+work.png</image:loc>
      <image:title>Insights - What science says about taking regular breaks at work - In the past, the modern workforce was driven by the belief that more is more when it comes to productivity.</image:title>
    </image:image>
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  <url>
    <loc>https://www.chestergrey.co.nz/insights/protect-your-business-from-cybercrime</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/659b103f-dbc2-4ff4-a9db-83bdda82ff5c/cyber+crime.jpg</image:loc>
      <image:title>Insights - Protect your business from cyber crime</image:title>
      <image:caption>Your IT systems and software are the backbone of your business. With so many parts of your operations now in the digital domain, it’s vital to protect your cybersecurity.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/five-red-flags-you-are-fuelling-entitlement-at-work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/2e572d0a-73a8-4046-9b80-0745fd25db2a/Five+red+flags+pic.png</image:loc>
      <image:title>Insights - 5 red flags you are fuelling entitlement at work</image:title>
      <image:caption>Ask any employer about their current workforce tribulations and unabashedly, ‘entitlement’ raises its hand as probable cause</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/cut-to-the-official-cash-rate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/0d7f8805-bc68-4ec0-b24b-446501bb1ced/2+-+250828+-+What+does+a+cut+to+the+Official+Cash+Rate+mean+for+your+business.png</image:loc>
      <image:title>Insights - Cut to the Official Cash Rate</image:title>
      <image:caption>What does a cut to the Official Cash Rate mean for your business?</image:caption>
    </image:image>
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  <url>
    <loc>https://www.chestergrey.co.nz/insights/ird-news-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/cb2a7a97-9074-4668-a211-6e03193c1c3d/IRD+banner.png</image:loc>
      <image:title>Insights - IRD News - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1dccf58c-b42f-4199-828e-ef8dbb2de5e6/MYir+pic.png</image:loc>
      <image:title>Insights - IRD News - myIR Login</image:title>
      <image:caption>myIR is the Inland Revenue Department’s online portal for clients to manage their IRD matters.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/4169a100-7c52-4496-be25-29a99129fdc8/i+will+pay+my+taxes.png</image:loc>
      <image:title>Insights - IRD News</image:title>
      <image:caption>Overdue Debt with IRD</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/e53bb8b0-63af-44ee-a6c4-38b2cf20062c/tax_fraud.jpg</image:loc>
      <image:title>Insights - IRD News</image:title>
      <image:caption>First sentencing for possession of tax evasion tools</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/942a4401-1763-428b-af3d-d0d27bba3fb4/3+-+IRD+News.png</image:loc>
      <image:title>Insights - IRD News</image:title>
      <image:caption>Covid-19 Fraud sends man to jail</image:caption>
    </image:image>
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  <url>
    <loc>https://www.chestergrey.co.nz/insights/be-talked-about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/c51a7856-76f1-48f8-8c05-6ae097994721/SC+1.png</image:loc>
      <image:title>Insights - Be Talked About</image:title>
      <image:caption>Saturday Creative Limited were recently engaged to complete a branding assignment to be talked about.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1757377187481-VKUBDUFFE9RCXZF5E1YR/SC+2.png</image:loc>
      <image:title>Insights - Be Talked About</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1757377199380-8SAGZ0SXCEGNH2BTD5BH/SC+3.png</image:loc>
      <image:title>Insights - Be Talked About</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1757378047370-0V51KM1FPMVP40HV75T0/SC+4.png</image:loc>
      <image:title>Insights - Be Talked About</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1757378050201-XA2A2PWTB1681STRK1R1/SC+5.png</image:loc>
      <image:title>Insights - Be Talked About</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/a-collective-approach-to-wellbeing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/241177ca-6ac3-43d9-8ace-e5fe9066952a/5+-+long-+A+collective+approach+to+wellbeing+pic.png</image:loc>
      <image:title>Insights - A collective approach to wellbeing</image:title>
      <image:caption>Research shows that a shared, community-based approach to wellbeing delivers the most sustained long-term benefits.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/warning-scammers-posing-as-acc-and-ird</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/2ce2da9b-6875-44f3-a547-17f6f2ba78af/Scammers.png</image:loc>
      <image:title>Insights - Warning!!  Scammers posing as ACC and IRD</image:title>
      <image:caption>Scammers are always active but at the moment there has been an increase of fake IRD and ACC emails.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/cash-flow-and-your-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/a9616fdb-a7f7-44f6-a007-80d2f017f6af/cashflow.jpg</image:loc>
      <image:title>Insights - Cash Flow and your business - Turning a profit is at the heart of running any successful company - But without cash flow, you can't run your day-to-day operations or grow the business.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/ai-a-guide-for-small-business-owners</loc>
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    <priority>0.5</priority>
    <lastmod>2025-07-11</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/2f26d38e-5632-4b08-87fe-7fea6134c3d0/AI.jpg</image:loc>
      <image:title>Insights - AI - A guide for small business owners - This article was primarily generated by AI, with our skilled team refining and enhancing the content to ensure it meets the high standards of our audience.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/8a276626-173d-474e-bdf1-44d2e319d579/business+mentors+footer.png</image:loc>
      <image:title>Insights - AI - A guide for small business owners - 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.chestergrey.co.nz/insights/ird-news-1</loc>
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    <lastmod>2025-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/cb2a7a97-9074-4668-a211-6e03193c1c3d/IRD+banner.png</image:loc>
      <image:title>Insights - IRD News - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/4169a100-7c52-4496-be25-29a99129fdc8/i+will+pay+my+taxes.png</image:loc>
      <image:title>Insights - IRD News - Extra funding to IRD to support more compliance work</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/62ede92c-7a84-459b-8554-ed708b489578/MFA+-+2step+authentication.png</image:loc>
      <image:title>Insights - IRD News - Two-step verification compulsory for all myIR users by 5 October 2025</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/hows-your-work-life-balance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/35e1f29e-3766-44c4-84d8-a0d3192c183e/balance+2.jpg</image:loc>
      <image:title>Insights - How’s your work-life balance?</image:title>
      <image:caption>Many business owners are reviewing their priorities and their work-life balance. Gallup reported that 39% of the owners they surveyed worked over 60 hours a week.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/otara-waterways-amp-lake-trust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/4e06ce80-8d82-4eda-8488-6df1874629f0/otara+waterways+3.png</image:loc>
      <image:title>Insights - Otara Waterways &amp;amp; Lake Trust - Founded in 2016, the trust aims to restore the mauri (life force) of nearly 200 km of open streams in the Ōtara waterways.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/us-steps-into-israeliran-conflict</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/8af6737a-8924-464c-a974-3294c4059c6b/trump+3.png</image:loc>
      <image:title>Insights - US Steps into Israel/Iran conflict - On 22 June (NZT), Trump announced that the US had bombed three nuclear facilities in Iran – Fordow, Natanz and Isfahan. Following the attack, Trump warned of further action should Iran not agree to a diplomatic solution over its nuclear programme. The world now awaits the Iranian response.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/35608673-044f-4a33-9bb0-3f48773bd250/250623+CIP+1.png</image:loc>
      <image:title>Insights - US Steps into Israel/Iran conflict - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/85956468-7ef3-4d78-bd2d-348423b6b1a7/250623+CIP+2.png</image:loc>
      <image:title>Insights - US Steps into Israel/Iran conflict - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/b4d61416-7f27-4b80-9106-1f285c654970/250623+CIP+3.png</image:loc>
      <image:title>Insights - US Steps into Israel/Iran conflict - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/bd251414-c9e4-4def-8e99-998ed6e95ba9/250623+CIP+4.2.png</image:loc>
      <image:title>Insights - US Steps into Israel/Iran conflict - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/cb1b46b9-e630-4c78-9152-debe488a5c59/CIP+logo+%28wide%29.png</image:loc>
      <image:title>Insights - US Steps into Israel/Iran conflict - Make it stand out</image:title>
      <image:caption>Private Wealth Research 23/06/2025 (Circulated with permission from Craigs)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/budget-2025-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/d35b8ebe-3858-4d41-a0aa-89e9b58e6358/budget-2025-banner.jpg</image:loc>
      <image:title>Insights - Budget 2025 - Update - As part of the recent Budget 2025, the Government announced changes that may affect your business.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/2025-budget</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/f92d6846-fdee-4084-8bd3-f5f4603b1d47/Picture1.png</image:loc>
      <image:title>Insights - 2025 Budget - The Government has announced its Budget for 2025.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/the-danger-of-aiming-for-perfection</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/d14660a9-d0fe-4368-a392-9353c2a5e4f5/unsplash-image-koy6FlCCy5s.jpg</image:loc>
      <image:title>Insights - The Danger of aiming for perfection - Perfection is not attainable, but if we chase perfection we can catch excellence</image:title>
      <image:caption>Vince Lombardi</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/stephen-grey-jp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/bbda7b4c-00bd-4413-9df5-04ff3dd619e9/received_611927705025899.jpeg</image:loc>
      <image:title>Insights - Stephen Grey - JP - Swearing in Ceremony</image:title>
      <image:caption>Judge P Winter; Stephen Grey; Alan Martin, Auckland JP Assn President</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/ird-news</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/cb2a7a97-9074-4668-a211-6e03193c1c3d/IRD+banner.png</image:loc>
      <image:title>Insights - IRD News - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/5781da84-18e6-492e-ae29-d688b522c069/SBC+image.JPG</image:loc>
      <image:title>Insights - IRD News - Final repayment date nears for IRD Small Business Cashflow Loans</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/b899e0b5-2aa9-4f12-a44a-5eb39ff10d2c/tracking-monitoring+smaller.png</image:loc>
      <image:title>Insights - IRD News - Enhanced Monitoring</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/b0a65483-a785-4042-b1ee-c6cb158a9c27/rates+down+%28wide%29.png</image:loc>
      <image:title>Insights - IRD News - Rate Changes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/ird-compliance-work-continues-at-pace</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/e998305a-b09e-4f60-b5f7-73b8ac40f86d/Screenshot+2025-05-09+113354.png</image:loc>
      <image:title>Insights - Compliance work continues at pace - Increased tax compliance work continues at pace with a noticeable increase in audit activity by Inland Revenue.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/cyber-security-in-2025-a-guide-on-how-to-protect-your-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/627cf3d1-100c-4d09-b94f-1083fa4657a6/Data+Security.jpg</image:loc>
      <image:title>Insights - Cyber Security in 2025 - A guide on how to protect your business</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/ocr-35-further-reduction-in-ocr-appropriate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/031d813f-aea9-480f-a8ff-1b2d83f09195/rates+reduce+2.png</image:loc>
      <image:title>Insights - OCR:  3.5% - Further reduction in OCR appropriate - 9 April 2025, The Reserve Bank announced the reduction of the Official Cash Rate by 25 basis points to 3.5 percent.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/tax-pooling-a-smart-solution-for-cashflow-challenges-this-april</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1054519a-3870-4353-8fe2-c35b31fc9a75/Tax+Time+5.jpg</image:loc>
      <image:title>Insights - Tax Pooling: A Smart Solution for Cashflow Challenges This April</image:title>
      <image:caption>As the 7th of April 2025 approaches, many New Zealand businesses are feeling the pressure of the terminal tax deadline.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/two-step-verification-for-myir</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/4f798a6a-2236-4c68-bffa-3b55366152e5/MFA+-+2step+authentication.png</image:loc>
      <image:title>Insights - Two-step verification for myIR - Two-step verification (2SV) in myIR will become compulsory for all customers over the next year, starting from 28 April 2025. Find out how you can set this up below.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/financial-year-end-checklist</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/a8914938-1a33-4552-ab4e-fcf5520d6bd5/EOFY+-+sign.jpg</image:loc>
      <image:title>Insights - Financial Year-End Checklist - If your business has a March balance date, the financial year is coming to a close. Now is the perfect time to prepare your accounts for your accountant, ensuring a smooth process for compiling financial statements. Here are key steps to take:</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/the-trump-effect</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-01</lastmod>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/ird-investigations-and-audit-shield</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/82a948e0-7e6b-4ad2-bc8d-cdbc299570c3/Audit+next+exit.jpg</image:loc>
      <image:title>Insights - IRD Investigations and Audit Shield - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/2d8ff85a-5b89-4430-823a-c67d64173c45/top+3+audit+shield+claims.png</image:loc>
      <image:title>Insights - IRD Investigations and Audit Shield - The graph compares the volume of the top three recorded Audit Shield claims across Accountancy firms who have an Audit Shield Master Policy in place from April 2018 to April 2024. Between 1 April 2023 and 31 March 2024, the activity related to GST Verification, Income Tax Return, and Client Risk Review claims accounted for over 94% of the total number of Audit Shield claims submitted. However, an analysis of the change in proportion of these claim activities over time reveals that these three areas have consistently represented most of the claim activity by IRD.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/2bae5543-60ac-4e9c-98ed-1a979fff6f09/Audit+Shield+footer.png</image:loc>
      <image:title>Insights - IRD Investigations and Audit Shield - If you have any questions about our Audit Shield Master Policy cover, please do not hesitate to contact us to discuss.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/recording-of-chat-with-andrew-bayly-and-stephen-grey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/f4ba7414-6b65-409f-8eb8-a31f1ce2d74c/Stephen+Grey+%26+Andrew+Bayly.png</image:loc>
      <image:title>Insights - Stephen Grey and Andrew Bayly - 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.chestergrey.co.nz/insights/cyber-security-an-ongoing-reminder</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/c491a581-b125-455c-bae8-0a1648287414/cyber+security.png</image:loc>
      <image:title>Insights - Cyber Security - an ongoing reminder - 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.chestergrey.co.nz/insights/2024-budget-tax-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/9308920c-bd68-46b7-ae0c-6cd798e87792/budget.jpg</image:loc>
      <image:title>Insights - 2024 Budget - Tax Changes - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/95d49cf1-a744-421d-bd25-36843d0b370e/new+tax+rates.png</image:loc>
      <image:title>Insights - 2024 Budget - Tax Changes</image:title>
      <image:caption>The increase in personal income tax thresholds reduces income tax for people earning more than $14,000 per annum. This reduction in personal income tax is the first since 2010.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/tax-changes-24</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-18</lastmod>
  </url>
  <url>
    <loc>https://www.chestergrey.co.nz/insights/blog-post-title-one-lk923-jaefa-lcszj-esx8m-cj5y9-lpe9c</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1695591102381-ZTR4PT3Q9Z94I9O98EYE/Screen+Shot+2022-07-15+at+2.30.00+PM.png</image:loc>
      <image:title>Insights - Celebration of 50 years of business – J Lum &amp;amp; Co - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1695591102384-E6Q8Q3EN8ZYV584RJXWV/J_Lum_1970.jpeg</image:loc>
      <image:title>Insights - Celebration of 50 years of business – J Lum &amp;amp; Co - 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.chestergrey.co.nz/insights/blog-post-title-one-lk923-jaefa-y3dz6-5h6ce-cbzyh-hm89h</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1695591102393-UEWEMBEUE6FGFXIUXSVK/Copy+of+CG+Podcast+-+Paul+Clark+%28800+%C3%97+1000+px%29.pdf.jpg</image:loc>
      <image:title>Insights - NZ Economic Overview 'Pushing Through' - 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.chestergrey.co.nz/insights/blog-post-title-one-lk923-jaefa-wc4c3-53zby-8resl</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/1695591102400-I43Z8HJUPLPBHGD9TH7C/Audit+Shield++Infographic+%28800+x+2600+px%29+%281%29.png</image:loc>
      <image:title>Insights - The Taxman is Gearing up - 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.chestergrey.co.nz/client-success</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/83fc5551-6b8a-4231-83fc-5489cd2a39bc/Eastern_MArine_Lgo_JB-removebg.png.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/99e6b42c-01da-4919-9c46-0a7c3262da77/eastern+marine.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/3232f6c1-94cf-4b88-a47b-ac041975c5f1/ThatDay+logo+%28clear%29.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/bd62ca01-3c69-4bba-8da1-014e25b72089/Thatday+image.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6510aab3e8c0de53ac61db96/accf8d13-b0c1-47bc-b5a8-5651a116ecfa/swages-logo.png</image:loc>
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    <image:image>
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