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.
Phyllotaxis, the study of the patterns exhibited by leaves and other organs of plants, raises some of the deepest questions of plant morphogenesis. What principles of biological organisation produce these dynamical geometric systems? The constant occurrence of the Fibonacci sequence in such systems is a phenomenon that has fascinated botanists and mathematicians for centuries. In this book, first published in 1994, the many facets of phyllotaxis are dealt with in an integrated manner for the first time. The author describes a unified concept of phyllotaxis based on experimental, anatomical, cellular, physiological and paleontological observations. The book provides a framework for formal analyses of botanical data and emphasises the relevance of the phyllotactic paradigm in the study of other structures, such as crystals and proteins. It is of interest to cystallographers and physicists as well as to botanists and mathematicians.