Many people stumble through their financial life reacting to events and advice in an ad hoc way. As a result, few choose the most suitable financial products, some fall prey to misselling and many never realise their financial goals. Are you one of them? Be Your Own Financial Adviser shows you how to make sensible financial decisions without the need for expensive advice. Its accessible style, examples and case studies explain and evaluate financial products and put you firmly in control of your own financial well-being. It will advise on how to adopt the best saving, spending and investment strategies, make decisions tax-efficiently, manage risk wisely and protect and enhance your wealth. It also suggests when professional help is a good idea, and shows you how to protect yourself against misselling and get the best out of your adviser. Be Your Own Financial Adviser will show you how to: Stress-test your financial decisions Take advantage of legal tax breaks Achieve your financial goals Manage and preserve your wealth Accessing financial products and services is not difficult - there is no shortage of commercials, advertisements, direct mail, email and marketing calls to entice you to take out loans, buy insurance and invest your money. But choosing which products are right for you can be a hit and miss approach. Good financial planning requires a systematic strategy. You should start by assessing your own particular circumstances, attitudes and timescales and then work out how you can implement your strategy on a long term basis. Let Be Your Own Financial Adviser be your guide to making better financial decisions. It includes advice on the following: Financial planning Do you need an adviser? Protecting your income Providing for your family Health and care Somewhere to live Building a pension Retirement choices Saving and investing Managing your wealth Passing it on
Young people face unprecedented financial challenges: rising student debt, stiff competition for jobs, barriers to home ownership, dwindling state benefits and prospects of a longer working life. Today, students need financial knowledge and skills more than ever before, not just to build their own financial security, but to create the new generation of advisers that can help all citizens navigate the complex world of personal finance. Essential Personal Finance is a guide to all the key areas of personal finance: budgeting, managing debt, savings and investments, insurance, securing a home and laying the foundations for retirement. It also provides an introduction to some of the essential foundations of a modern undergraduate finance qualification, including: The nature of financial institutions, markets and economic policy that shape the opportunities and decisions that individuals face. The range of financial assets available to households, the risk-return trade-off, basics of portfolio construction and impact of tax. The importance of the efficient market hypothesis and modern portfolio theory in shaping investment strategies and the limitations of these approaches. Behavioural finance as a key to understanding factors influencing individual and market perceptions and actions. Using financial data to inform investment selection and to create financial management tools that can aid decision-making. A comprehensive companion website accompanies the text to enhance students' learning and includes answers to the end-of-chapter questions. Written by authors who contribute experience as financial advisers, practitioners and academics, Essential Personal Finance examines the motivations, methods and theories that underpin financial decision-making, as well as offering useful tips and guidance on money management and financial planning. The result is a compelling combination of an undergraduate textbook aimed at students on personal finance and financial services courses, and a practical guide for young people in building their own financial strength and capability.
Jonquil Lowe explains how to plan your giving and use tax rules efficiently to ensure that your gift reaches the right person and is not unnecessarily taxed. It includes examples and sections on themes such as giving away your home, making gifts to children and grandchildren, and using trusts.
National pension systems face a range of tough social and economic demands and pressures. These are complex to navigate, especially in a twenty-first century world that has ushered in global uncertainty and pressing challenges - even threatening the planet’s very sustainability – with implications for pensions that policymakers, financial services providers and individuals themselves must address. This book probes, and unpacks, what pension systems aim to achieve, the uncertainties they face and how they are attempting to resolve them. Analysing pension provision from the systemic, political-economy and individual perspectives, it sets out and contextualises commonalities and differences in pension systems across the globe, looking at current developments in both public and private pension provision, structures and regulation. Moreover, the reader is encouraged to question how national pension systems can best serve their populations and ensure the ‘sustainability’ of later-life incomes in the light of today’s global pension challenges. Global Pension Challenges: Pensions, Saving and Retirement in the Twenty‐First Century is an essential read for business, finance and social-policy academics and students, those working in the pensions industry and in the areas of welfare reform and advocacy, as well as the general public wishing to know more about the retirement issues we will all face in the coming years.
This handbook is a straightforward introduction to everyday financial products and services - savings, loans, pensions, insurance and so on. The information is factual, non-biased and non-brand specific.
This guide to maximising your pension encourages a hands-on approach and takes a realistic look at how you can safeguard your financial future. Alternative methods of saving are examined, with returns, risks and tax implications clearly outlined. Lowe provides up-to-date advice on how to get the best pension possible.
This guide takes the reader through a financial workout, step by step, to show how to make the most of their money and provide enough for the future. With the speed of communication, the choices open to us in the field of finance are ever-increasing. But more choice can also mean more dangers. We are faced not only with a greater range of products, but with direct ways of buying them - by phone, via the Internet and through high street retailers. This book considers all the possibilities in relation to individual circumstances.
This guide to maximising your pension encourages a hands-on approach and takes a realistic look at how you can safeguard your financial future. Alternative methods of saving are examined, with returns, risks and tax implications clearly outlined. Lowe provides up-to-date advice on how to get the best pension possible.
Successive governments have made it clear that you cannot rely on the state to provide you with a comfortable old age. You must be responsible for your own savings for retirement. From October 2001, all but the smallest employers should offer some form of pension scheme through work. If you're self-employed or not working, you need to make your own arrangements.
Fed up with the rat race? Tired of working long hours, travelling long distances and missing out on the important things in life? Downshift examines the options available to those who seek to redress the balance between work and life. From job-sharing and flexible hours to a more radical reassessment of your whole career, the book looks at the financial and practical implications of each choice. How will a new lifestyle affect your income and outgoings, savings, tax position, pension, and prospects? Can you afford to work fewer hours? Could you get by on less? The book explains the likely trade-offs, risks and rewards. Recognising that every individual has different requirements, the book avoids prescriptive solutions. It combines case studies with self-assessment exercises, suggesting a range of choices and pointing readers towards useful sources of further information. Topics covered include changing your job or career, taking a career break or sabbatical, working part-time or from home, telecommuting and job-sharing, becoming successfully self-employed, pension planning and the implications of early retirement, managing your finances and property to maximise your assets plus low
In Britain, one in four adults has become a share-owner, having responded to privatization issues and windfall shares from insurance company and building society conversions. If you already have one or two shareholdings, or you are considering shares for the first time, this book will show you how these fascinating and versatile investments can help you achieve your financial ambitions.
Providing information on all aspects of online finance including running a bank account, arranging insurance and mortages and share dealing, this title offers advice on security issues as well as a listing of useful website addresses.
Save And Invest' is a detailed exploration of all saving and investment avenues suitable for people approaching the markets for the first time and those seeking to improve their portfolio.
From 2006, planning your pension should become much easier as the government sweeps aside most of the complicated rules that have restricted the amount and ways you can save. This new edition of Planning Your Pension explains how the new regime will work and how to make the most of the savings opportunities available between now and 2006. Using straightforward language, the guide covers how much you should save; what the state will provide; how to get the best from an employer's scheme (and are they still safe?); stakeholder schemes; personal pensions and whether to switch to one from a stakeholder scheme; how to boost your pension; pension choices when you change jobs; pension planning if you're facing redundancy or divorce, or caring for children or an older person; how to trace old pensions; how to claim your pension once you retire and how retirement savings and pensions are treated for tax.Clear explanations, an extensive glossary and numerous examples unravel the mysteries of pensions to put you firmly in control of your future.
Is gambling a way to get rich quick - or the classic device for parting fools from their money? The truth probably lies somewhere in the middle. As this guide shows, a little time and effort can improve the odds against losing.
Containing personal finance advice for young people, this guide starts with the basics - 100 ways to save and make money. It then goes on to cover funding further education and travelling as well as information on banking and dealing with debt.
Pensions are extremely topical; most people worry about them, and few have any real understanding of the issues at stake. This pack explains the subject in simple terms and guides readers towards working out what is best for their individual situation. Choose Your Pension starts by helping people set their pension target and points out what the choices are in terms of state, occupational, personal pensions and other ways to save for retirement. The pack includes flowcharts, forms and checklists.
Many people stumble through their financial life reacting to events and advice in an ad hoc way. As a result, few choose the most suitable financial products, some fall prey to misselling and many never realise their financial goals. Are you one of them? Be Your Own Financial Adviser shows you how to make sensible financial decisions without the need for expensive advice. Its accessible style, examples and case studies explain and evaluate financial products and put you firmly in control of your own financial well-being. It will advise on how to adopt the best saving, spending and investment strategies, make decisions tax-efficiently, manage risk wisely and protect and enhance your wealth. It also suggests when professional help is a good idea, and shows you how to protect yourself against misselling and get the best out of your adviser. Be Your Own Financial Adviser will show you how to: Stress-test your financial decisions Take advantage of legal tax breaks Achieve your financial goals Manage and preserve your wealth Accessing financial products and services is not difficult - there is no shortage of commercials, advertisements, direct mail, email and marketing calls to entice you to take out loans, buy insurance and invest your money. But choosing which products are right for you can be a hit and miss approach. Good financial planning requires a systematic strategy. You should start by assessing your own particular circumstances, attitudes and timescales and then work out how you can implement your strategy on a long term basis. Let Be Your Own Financial Adviser be your guide to making better financial decisions. It includes advice on the following: Financial planning Do you need an adviser? Protecting your income Providing for your family Health and care Somewhere to live Building a pension Retirement choices Saving and investing Managing your wealth Passing it on
There is increasing pressure for all of us to take responsibility for our own financial security and wellbeing, but we often overlook how the benefits that come with a job can help us do that. Essential Personal Finance: A Practical Guide for Employees focuses on these valuable work benefits and shows how you can build on this important foundation to achieve financial security and your life goals. This unique book explores how making effective and practical use of these work benefits (such as pension scheme, life cover, sick pay, cheap loans, savings schemes and even financial coaching), means facing up to the behavioural biases we are all plagued with. Given that these can get in the way of even the best intentions, Essential Personal Finance tackles these biases head-on with practical ideas and tips for overcoming or harnessing them for good, and will help you to develop a positive and fruitful relationship with your money. With financial stress being a major cause of absenteeism and sick leave, low morale and lost productivity, the advice in this book also offers employers enormous benefits. By empowering employees through financial education and financial awareness, progressive employers will help them feel more in control of their lives, and experience less stress, resulting in higher morale and productivity. Offering a distinctive approach which combines academic insight with practical financial wisdom and tools, this is a must-have book for all employees. It will help you make the most of everything your job has to offer so you can worry less about money and live life to the full.
National pension systems face a range of tough social and economic demands and pressures. These are complex to navigate, especially in a twenty-first century world that has ushered in global uncertainty and pressing challenges - even threatening the planet’s very sustainability – with implications for pensions that policymakers, financial services providers and individuals themselves must address. This book probes, and unpacks, what pension systems aim to achieve, the uncertainties they face and how they are attempting to resolve them. Analysing pension provision from the systemic, political-economy and individual perspectives, it sets out and contextualises commonalities and differences in pension systems across the globe, looking at current developments in both public and private pension provision, structures and regulation. Moreover, the reader is encouraged to question how national pension systems can best serve their populations and ensure the ‘sustainability’ of later-life incomes in the light of today’s global pension challenges. Global Pension Challenges: Pensions, Saving and Retirement in the Twenty‐First Century is an essential read for business, finance and social-policy academics and students, those working in the pensions industry and in the areas of welfare reform and advocacy, as well as the general public wishing to know more about the retirement issues we will all face in the coming years.
A must for anyone faced with a self-assessment form.' Start Your Business Magazine. The Financial Times Guide to Personal Tax 2011-12 is the definitive and most up-to-date guide to completing your self assessment tax return, making sure that you get it right and on time, and showing how you can save tax. This annually updated guide includes the latest information from the March 2011 Budget and explains how the changed rules for income tax, national insurance and tax credits will affect you. Divided into two parts, the first section of the guide shows you how to plan your affairs and minimise.
Is gambling a way to get rich quick - or the classic device for parting fools from their money? The truth probably lies somewhere in the middle. As this guide shows, a little time and effort can improve the odds against losing.
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