Personal Finance & Investing All-in-One For Dummies pdf download

Personal Finance & Investing All-in-One For Dummies

Personal Finance & Investing All-in-One For Dummies Published by John Wiley & Sons, Ltd The Atrium Southern Gate Chichester West Sussex PO19 8SQ England E-mail (for orders and customer service enquires): cs-books@wiley.co.uk Visit our Home Page on www.wiley.com Copyright © 2007 John Wiley & Sons, Ltd, Chichester, West Sussex, England Published by John Wiley & Sons, Ltd, Chichester, West Sussex All Rights Reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except under the terms of the Copyright, Designs and Patents Act 1988 or under the terms of a licence issued by the Copyright Licensing Agency Ltd, 90 Tottenham Court Road, London, W1T 4LP, UK, without the permission in writing of the Publisher. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Ltd, The Atrium, Southern Gate, Chichester, West Sussex, PO19 8SQ, England, or emailed to permreq@wiley.co.uk, or faxed to (44) 1243 770620. Trademarks: Wiley, the Wiley Publishing logo, For Dummies, the Dummies Man logo, A Reference for the Rest of Us!, The Dummies Way, Dummies Daily, The Fun and Easy Way, Dummies.com and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc. and/or its affiliates in the United States and other countries, and may not be used without written permission. All other trademarks are the property of their respective owners. Wiley Publishing, Inc., is not associated with any product or vendor mentioned in this book. LIMIT OF LIABILITY/DISCLAIMER OF WARRANTY: THE PUBLISHER, THE AUTHOR, AND ANYONE ELSE INVOLVED IN PREPARING THIS WORK MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE CONTENTS OF THIS WORK AND SPECIFICALLY DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTY MAY BE CREATED OR EXTENDED BY SALES OR PROMOTIONAL MATERIALS. THE ADVICE AND STRATEGIES CONTAINED HEREIN MAY NOT BE SUITABLE FOR EVERY SITUATION. THIS WORK IS SOLD WITH THE UNDERSTANDING THAT THE PUBLISHER IS NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL SERVICES. IF PROFESSIONAL ASSISTANCE IS REQUIRED, THE SERVICES OF A COMPETENT PROFESSIONAL PERSON SHOULD BE SOUGHT. NEITHER THE PUBLISHER NOR THE AUTHOR SHALL BE LIABLE FOR DAMAGES ARISING HEREFROM. THE FACT THAT AN ORGANIZATION OR WEBSITE IS REFERRED TO IN THIS WORK AS A CITATION AND/OR A POTENTIAL SOURCE OF FURTHER INFORMATION DOES NOT MEAN THAT THE AUTHOR OR THE PUBLISHER ENDORSES THE INFORMATION THE ORGANIZATION OR WEBSITE MAY PROVIDE OR RECOMMENDATIONS IT MAY MAKE. FURTHER, READERS SHOULD BE AWARE THAT INTERNET WEBSITES LISTED IN THIS WORK MAY HAVE CHANGED OR DISAPPEARED BETWEEN WHEN THIS WORK WAS WRITTEN AND WHEN IT IS READ. For general information on our other products and services, please contact our Customer Care Department within the U.S. at 800-762-2974, outside the U.S. at 317-572-3993, or fax 317-572-4002. For technical support, please visit www.wiley.com/techsupport. Wiley also publishes its books in a variety of electronic formats. Some content that appears in print may not be available in electronic books. British Library Cataloguing in Publication Data: A catalogue record for this book is available from the British Library ISBN: 978-0-470-51510-5 Printed and bound in Great Britain by Bell & Bain Ltd, Glasgow 10 9 8 7 6 5 4 3 2 1

Contents at a Glance Personal Finance & Investing All-in-One For Dummies

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 Personal Finance & Investing All-in-One For Dummies

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! Personal Finance & Investing All-in-One For Dummies
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