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    Gary - removing the 50p rate will help get rid of the deficit more quickly by improving the level of tax collected and helping growth. That means longer term less cuts.

    We are all having it tough - my end of year is due shortly and my turnover is projected to be down around £6,000 thanks to the markets and because business costs do not fall that and more will come off my bottom line, in other words what I can pay myself. I will nevertheless be giving my administrator a pay rise, again further reducing my own income to pay it.

    So please do not start crying about how badly off you are. We are all finding it tough, specially those of us in small businesses who are last in line for what is left after paying everyone else.

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