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.
Originally published in 1981, this third volume deals with the empirical data base and the theories concerning visual perception - the set of mental responses to photic stimulation of the eyes. As the book develops, the plan was to present a general taxonomy of visual processes and phenomena. It was hoped that such a general perspective would help to bring some order to the extensive, but largely unorganized, research literature dealing with our immediate perceptual responses to visual stimuli at the time. The specific goal of this work was to provide a classification system that integrates and systematizes the data base of perceptual psychology into a comprehensive intellectual scheme by means of an eclectic, multi-levelmetatheory invoking several different kinds of explanation.
Herobrine, the artificially intelligent virus intent on escaping Minecraft and infecting the Internet with his evil, was captured after an epic showdown on the shores of Minecraft. Gameknight999, having trapped the virus in an unlikely prison, saved the lives of his friends in the game and was finally able to return to the physical world. Everyone thought the Last Battle was over and Minecraft was safe ...but they were wrong. The powerful evil held within Herobrine's prison is leaking out into the fabric of Minecraft and attacking Crafter, the most sensitive NPC on the server and Gameknight999's best friend. With Crafter's life in jeopardy, Gameknight999 and his father, a Minecraft noob, have no choice but to return to the game again. As they journey to The End to destroy Herobrine, Gameknight and his friends will face two of Herobrine's most hated creations: the zombie-king, Xa-Tul, and the king of the endermen, Feyd. With Crafter's life hanging by a thread, Gameknight999 must find a way to thwart Herobrine's plans before the virus's poison kills his best friend.