Occasionally you may try to load a file and have it complain about an entity and throw a parser error.
If this is the case, check to make sure that the file in question does not contain an ampersand (&) without a corresponding entity reference.
If it does, or if you want to err on the side of caution, then instead of using simplexml_load_file, try this:
$file = file_get_contents('stuff.xml');
$temp = preg_replace('/&(?!(quot|amp|pos|lt|gt);)/', '&', $file);
$xml = simplexml_load_string($temp) or die("xml not loading");
Read the file into a string, add 'amp;' after any '&' that is not part of a character entity, then parse the string as xml.