PDF 611页

By Melanie Bien, Julian Knight, and Tony Levene Edited by Faith Glasgow

Contents at a Glance
Introduction .................................................................1
Book I: Organising Your Finances
and Dealing with Debt ..................................................7
Chapter 1: Figuring Out Financial Goals, Financial Budgets,
and Financial Advisers ....................................................................................................9
Chapter 2: Choosing the Best Current Account for You..............................................27
Chapter 3: Covering Yourself with Insurance ...............................................................37
Chapter 4: Tackling Your Overdraft and Other Credit Nasties ...................................51
Chapter 5: Choosing a Credit Card.................................................................................71
Chapter 6: Weighing Up Personal Loans .......................................................................83
Book II: Paying Less Tax .............................................95
Chapter 1: Understanding Tax Basics............................................................................97
Chapter 2: Dealing with Self Assessment ....................................................................111
Chapter 3: Taxing Family Situations.............................................................................125
Chapter 4: Understanding Tax When You Work for Someone Else ..........................145
Chapter 5: Working for Yourself Can Be Less Taxing.................................................171
Chapter 6: Taxing Your Savings and Investments ......................................................187
Book III: Building Up Savings and Investments...........217
Chapter 1: Squaring Risk and Return...........................................................................219
Chapter 2: Saving for a Rainy Day ................................................................................233
Chapter 3: Choosing a Mortgage ..................................................................................243
Chapter 4: Making the Most of Tax-Free Savings and Investments..........................263
Chapter 5: Delving Into Collective Investments .........................................................275
Chapter 6: Scrutinising Shares and Bonds..................................................................299
Chapter 7: Investing in Bricks and Mortar ..................................................................329
Chapter 8: Making Exotic Investments ........................................................................343
Book IV: Retiring Wealthy.........................................355
Chapter 1: Planning for a Wealthy Retirement ...........................................................357
Chapter 2: Making the Most of State and Workplace Pensions ................................369
Chapter 3: Picking Through Personal Pensions .........................................................395
Chapter 4: Taking Control with a Sipp .........................................................................409
Chapter 5: Working with Your Pension........................................................................419
Chapter 6: Using Property for Retirement ..................................................................439

Book V: Protecting Your Wealth
for the Next Generation .............................................449
Chapter 1: Working Out Why to Write a Will...............................................................451
Chapter 2: Deciding Who Gets What............................................................................467
Chapter 3: Choosing the Right People to Follow Your Wishes.................................485
Chapter 4: Dealing with Inheritance Tax .....................................................................501
Chapter 5: Understanding Trusts.................................................................................527
Chapter 6: Grasping the Basics of the Probate Process............................................553
Index .......................................................................563

Introduction
Welcome to Personal Finance & Investing All-in-One For Dummies, your
launch pad to understanding the basics of all the financial considerations
you face during your lifetime.
Best of all, this book highlights ways to get the most from your money, but
it also helps you decide where your priorities lie when it comes to your
finances, and gives you the facts up front and honestly. And as your priorities
develop and change, all the advice you need is in the same book so you can
make the journey from clearing your debts to building your wealth by investing,
to setting up a comfortable retirement and a potential nest-egg to pass on
to your nearest and dearest. Think of Personal Finance & Investing All-in-One
For Dummies as your first great investment!