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    <lastmod>2014-07-15</lastmod>
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      <image:caption>This is some test data blah blah blah</image:caption>
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      <image:title>New Gallery - This is an image about cooking</image:title>
      <image:caption>This is some test data blah blah blah</image:caption>
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    <loc>http://www.laterlifeadvice.com.au/new-gallery2</loc>
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    <lastmod>2014-02-06</lastmod>
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    <loc>http://www.laterlifeadvice.com.au/new-gallery3</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2014-02-06</lastmod>
    <image:image>
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  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog</loc>
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    <priority>0.75</priority>
    <lastmod>2017-11-21</lastmod>
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      <image:title>Insights</image:title>
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  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/7/6/how-good-is-the-government-residential-aged-care-fee-estimator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-06-29</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53ba9d38e4b07ea978452c13/1404738882850/</image:loc>
      <image:title>Insights - The Residential Care Fee Estimator doesn't tell you the whole story</image:title>
      <image:caption>I was getting the money together to pay..then I had to pay more? What just happened?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53ba9fc1e4b0d5e7513f72c2/1404739538992/</image:loc>
      <image:title>Insights - The Residential Care Fee Estimator doesn't tell you the whole story</image:title>
      <image:caption>To maximise government support, there is the risk that the money will run out to pay for care. Then what?!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53baa070e4b0a30a19daf0bf/1404739721838/</image:loc>
      <image:title>Insights - The Residential Care Fee Estimator doesn't tell you the whole story</image:title>
      <image:caption>I think I have solved it. Wish it was easier!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/59364e2346c3c4a49076b8ea/1496731177742/</image:loc>
      <image:title>Insights - The Residential Care Fee Estimator doesn't tell you the whole story</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53ba9dfbe4b04cfc318adb2c/1404779900384/</image:loc>
      <image:title>Insights - The Residential Care Fee Estimator doesn't tell you the whole story</image:title>
      <image:caption>The estimator didn't tell me this!?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/6/30/moving-to-residential-aged-care-watch-for-the-conflicts-of-interest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-07-01</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b22c3fe4b04555635683c0/1404185689077/</image:loc>
      <image:title>Insights - Moving to Residential Aged Care? Watch for the conflicts of interest.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b25ebce4b084afaba8fb4c/1404198591910/</image:loc>
      <image:title>Insights - Moving to Residential Aged Care? Watch for the conflicts of interest.</image:title>
      <image:caption>Right for you or the share price?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b22df0e4b0e06a4968b449/1404186281407/</image:loc>
      <image:title>Insights - Moving to Residential Aged Care? Watch for the conflicts of interest.</image:title>
      <image:caption>Best choice for you? Or your financial advisor?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b2614de4b0f12052fa8447/1404199249005/</image:loc>
      <image:title>Insights - Moving to Residential Aged Care? Watch for the conflicts of interest.</image:title>
      <image:caption>Think about what is going to happen with the assets</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b262b2e4b053af079e2d5a/1404199604379/</image:loc>
      <image:title>Insights - Moving to Residential Aged Care? Watch for the conflicts of interest.</image:title>
      <image:caption>How will you untangle this?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b2635ae4b0e25cb09f1df1/1404199764900/</image:loc>
      <image:title>Insights - Moving to Residential Aged Care? Watch for the conflicts of interest.</image:title>
      <image:caption>Get the right advice, on time.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b23000e4b0517c1d49eba0/1404186629351/</image:loc>
      <image:title>Insights - Moving to Residential Aged Care? Watch for the conflicts of interest.</image:title>
      <image:caption>Think about drip feeding your loan.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/4/9/reverse-mortgages-they-are-back</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-04-29</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/5360131de4b06f620abbc7aa/1398805293666/</image:loc>
      <image:title>Insights - Get the full story on reverse mortgages.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/5360150ee4b0b40ffb1c1628/1398805775623/we+can+help.jpg</image:loc>
      <image:title>Insights - Get the full story on reverse mortgages.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/536010d0e4b0a59d3a76c65a/1431818497402/</image:loc>
      <image:title>Insights - Get the full story on reverse mortgages.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/536012bce4b009fc8481a53a/1398805192748/</image:loc>
      <image:title>Insights - Get the full story on reverse mortgages.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/5360138ee4b08cab3cb63e81/1398805408978/</image:loc>
      <image:title>Insights - Get the full story on reverse mortgages.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/5360144fe4b0a24f9e320f1d/1401887729206/</image:loc>
      <image:title>Insights - Get the full story on reverse mortgages.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/536014a3e4b0e268e3ed354b/1398805668012/</image:loc>
      <image:title>Insights - Get the full story on reverse mortgages.</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/7/31/the-australian-government-will-cover-the-costs-of-your-accommodation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-08-04</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53df486ce4b080ad70d7c1a1/1407142000281/</image:loc>
      <image:title>Insights - The Government and aged care accommodation costs: more complexity</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/11/22/later-life-advice-featured-in-the-weekend-financial-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-11-23</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/54706964e4b06bf6975febcb/1416653159460/Link+to+article+below</image:loc>
      <image:title>Insights - Later Life Advice featured in the weekend FInancial Review</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/54705fa7e4b0125b62c97b47/1416650663575/AFR_logo.jpg</image:loc>
      <image:title>Insights - Later Life Advice featured in the weekend FInancial Review</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/7/11/later-life-advice-on-radio-national</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-07-11</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53bf5851e4b011307db80435/1405048914886/</image:loc>
      <image:title>Insights - Later Life Advice on Radio National</image:title>
      <image:caption>Click on image to listen</image:caption>
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  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/2/6/getting-older-the-government-and-you-its-a-big-deal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-07-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/52fb170be4b00ea56bbc360e/1431818498347/Age+profile+of+health+expenditure.png</image:loc>
      <image:title>Insights - Aged Care: The Government wants to pay less. Who pays more?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/5302f216e4b0d77f953b481d/1431818496979/aged_care_who_pays.jpg</image:loc>
      <image:title>Insights - Aged Care: The Government wants to pay less. Who pays more?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/52fb16f5e4b00ea56bbc35e4/1431818499797/age+related+government+spending.png</image:loc>
      <image:title>Insights - Aged Care: The Government wants to pay less. Who pays more?</image:title>
      <image:caption>Source: Australian Government Productivity Commission 2013</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/6/30/later-life-advice-on-sundays-with-james-ologhlin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-07-01</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/53b2739ae4b079a1c222f57c/1404203930871/</image:loc>
      <image:title>Insights - Later Life Advice on Sundays with James O'Loghlin</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2013/12/15/the-top-5-mistakes-made-when-going-into-residential-aged-care</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-07-15</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530c05a2e4b0195e4e37d5d7/1393296802692/</image:loc>
      <image:title>Insights - The top 5 mistakes made when going into residential aged care</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530c050ce4b05ce0640f6acd/1393296670193/</image:loc>
      <image:title>Insights - The top 5 mistakes made when going into residential aged care</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530c05b4e4b0195e4e37d605/1393296820759/money.jpg</image:loc>
      <image:title>Insights - The top 5 mistakes made when going into residential aged care</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530c054ae4b05f876e331b11/1393296743237/</image:loc>
      <image:title>Insights - The top 5 mistakes made when going into residential aged care</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530c058ae4b05f876e331b84/1393296778674/timing.jpg</image:loc>
      <image:title>Insights - The top 5 mistakes made when going into residential aged care</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/52f5b86be4b05930d2692d16/1391835245113/18085661_l.jpg</image:loc>
      <image:title>Insights - The top 5 mistakes made when going into residential aged care</image:title>
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  </url>
  <url>
    <loc>http://www.laterlifeadvice.com.au/insights-blog/2014/2/24/70-of-aged-care-residents-are-women-the-younger-ones-are-men</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2014-02-28</lastmod>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530ab7aae4b064ec81ad1803/1393211308218/Residents+by+sex+and+age.jpg</image:loc>
      <image:title>Insights - What do you know about the Australian population currently in residential aged care?</image:title>
      <image:caption>Source: The Australian Institute of Health and Welfare 2011-12</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530ee74ee4b0f38aa20be97e/1393533649792/21371963_s.jpg</image:loc>
      <image:title>Insights - What do you know about the Australian population currently in residential aged care?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530ee111e4b08f75da82c638/1393484050194/aged-care-retirement-woman-australia.jpg</image:loc>
      <image:title>Insights - What do you know about the Australian population currently in residential aged care?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/52acfce2e4b0cb06a5928dc8/t/530fa65fe4b08602cbf84308/1393534620742/8539976_s.jpg</image:loc>
      <image:title>Insights - What do you know about the Australian population currently in residential aged care?</image:title>
    </image:image>
    <image:image>
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      <image:title>Insights - To "cashflow it": The new verb for residential aged care?</image:title>
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      <image:title>Insights - Beware the aged care expert. 5 examples of wrong advice.</image:title>
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      <image:caption>Don't worry about paperwork, trust us.</image:caption>
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