In the current economic climate many Australians are on a suddenly limited budget. In SAVING MONEY IS EASY, Cath gives us a month-by-month guide to organising your finances in hard times and shows how the average family can save literally thousands of dollars by taking charge of their money, budget planning, and benefiting from the mass of tips, case histories, recipes and how-tos that this book has to offer.
Pensioners are losing many millions of pounds each year through saving badly and paying too much tax. The central theme of Your Taxes & Savings 2005-2006 is to help them make the most of their money. It is full of essential information on topics we all need to know more about. The section on tax explains how much tax you should pay, how to avoid paying too much this year - and how to claim it back from previous years with compensation or interest. It also warns about the most common hidden tax traps. The section on savings covers the wide variety of complicated savings products that are around - and what risks and returns older people should expect from each. It also explains how to save money in simple ways, how to avoid wasting money in savings accounts that pay nothing, and how to get the best interest, even on a current account. There is also advice on the Financial Services Authority, how to complain, and how to get compensation.
This volume provides a fascinating look at the anti-tax avoidance strategies employed by more than fifteen countries in eastern and western Europe, Canada, the Pacific Rim, Asia, Africa, and the United States. It surveys the similarities and differences in anti-avoidance regimes and contains detailed chapters for each country surveying the moral and legal dimensions of the problem.Ã¿ The proliferation of tax avoidance schemes in recent years signals the global dimensions of a problem presenting a serious challenge to the effective administration of tax laws. Tax avoidance involves unacceptable manipulation of the law to obtain a tax advantage. These transactions support wasteful behavior in which corporations enter into elaborate, circuitous arrangements solely to minimize tax liability. It frustrates the ability of governments to collect sufficient revenue to provide essential public goods and services. Avoidance of duly enacted provisions (or manipulation to secure tax benefits unintended by the legislature) poses a threat to the effective operation of a free society for the benefit of a small group of members who seek the privilege of shifting their tax burden onto others merely to compete in the world of commerce. In a world in which world treasuries struggle for the resources to battle terrorist threats and to secure a decent standard of living for constituents tax avoidance can bring economies close to the edge of sustainability. As tax avoidance is one of the top concerns of most nations, the importance of this work cannot be overstated.Ã¿
Percy is a puppy. He is the runt of the litter; the eighth and tiniest one to be born. Everyone thinks he is going to die but Poppy is not going to let him. Saving Percy tells the heart-warming story of how Poppy, against all the odds, saves his life. With the help of Arthur, a new found friend from the past, she ensures that Percy is loved and well cared for. As Percy grows and thrives so does the friendship between Poppy and Arthur as they get to know each other and share their adventures together. At the beginning of the story Poppy is missing her father, a soldier fighting overseas in Afghanistan in bomb-disposal. Her mother is always out working and her beloved dog Lulu is not able to play with her because of her pregnancy. She is worried about starting secondary school in September and is struggling to come to terms with the break down of her relationship with Emma, her best friend, who seems more interested in fashion and impressing the boys since Jessica, the new girl arrived at school. Arthur too has an absent father, a soldier, who is thought to be missing in action. Throughout the book we read the diary extracts of Major Alexander Farleigh who tell us of the suffering endured by those fighting during the Gallipoli Campaign of 1915. Together, Poppy and Arthur show great courage and resourcefulness in the face of obstacles thrown in their way. Will they ever be able to remain friends when the adventure is over? Will they accept their fate if they are kept apart by the century that seperates them? Will Arthur ever see his father again? What will happen to Percy? Their greatest enemy is not only time itself but the evil Uncle John whose advances towards Arthur's mother are less than honorable and calculated to make Arthur the unhappiest boy in the world. This gripping tale is packed full of adventure. It has all the ingredients that children will love - caring for animals, time travel, a derelict house, a hateful villain, absent fathers and friendships being made and broken. Reminiscent of The Secret Garden and Carrie's War the author has cleverly woven all these strands together to create a beautiful and heart-felt story with characters that children will want to get to know.