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.
This book brings together the work of scholars from England, France, Germany, Sweden, and the United States to examine the ways in which industrialized nations have used and are developing tax laws to help alleviate environmental problems. For each country, the contributors offer a thorough review of existing and proposed initiatives and an in-depth evaluation of their effectiveness. They also discuss the theoretical framework behind environmental tax initiatives, explain alternative systems to taxation, reveal problems in dealing with environmental concerns that are common to all of the countries studied, and suggest ways to more efficiently coordinate tax and environmental policies. Based on their research, the contributors conclude that the general tax systems of the United States and other countries unintentionally conflict with environmental policies and that no country has yet been able to adequately control automobile pollution, although some have had varying degrees of success in other areas. The volume begins with an introduction that presents a nontechnical discussion of the current economic thinking on environmental taxes and alternatives such as direct government regulation and granting polluters limited or tradable rights to pollute. The following chapters discuss each country in turn. Each chapter first examines the institutional framework of the country--central versus regional government, how legislation is enacted and executed, the distribution of authority over environmental matters, and important environmental policy goals. Next, the compatability of the tax system with environmental goals is analyzed. Finally, there is a thorough treatment of that country's environmental tax initiatives, including an in-depth assessment of their relative success or failure. Policymakers, lobbyists, economists, and attorneys will find Taxation for Environmental Protection enlightening reading.
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.