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.
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.
Human language seems to have arisen roughly within the last 50-100,000 years. In evolutionary terms, this is the mere blink of an eye. If this is correct, then much of what we consider distinctive to language must in fact involve operations available in pre-linguistic cognitive domains. In this book Norbert Hornstein, one of the most influential linguists working on syntax, discusses a topical set of issues in syntactic theory, including a number of original proposals at the cutting edge of research in this area. He provides a theory of the basic grammatical operations and suggests that there is only one that is distinctive to language. If this theory is correct then this narrows the evolutionary gap between verbal and non-verbal primates, thus facilitating the rapid evolutionary emergence of our linguistic capacity.