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.
A-Z of Business Tax Deductions is a valuable and time-saving first point of reference for UK tax practitioners wanting to check reliefs available on various aspects of their clients businesses. The book provides a succinct summary of the deductions available in each instance, key cases are summarized, and the key UK legislative and the HMRC manual references are also included. When looking at what deductions are allowable, it is generally accepted that there are a number of grey areas, as there is not a lot of legislation. Consequently, there have been a significant number of cases and the HMRC have issued guidance in a number of their manuals. In bringing together these sources, the book allows the practitioner to identify possible allowance and helps to draw conclusions in areas where there may be some ambiguity. The book is structured in a easily navigable A-Z format, allowing the reader to identify quickly the business area they are looking for. By bringing together UK legislative references, summaries of key cases and the HMRC guidance, the book helps the reader to understand the circumstances in which different deductions are allowable. It covers deductions allowable for sole traders, partnerships, and companies.
This work provides an assessment of the factors influencing differences between people who save and people who do not save money. The author brings together research and analysis in an attempt to develop the reader's understanding about rationality, consumer behaviour and expectations. Humans are forward-looking and want to make provisions for future consumption according to saving theories. Some people save and others with similar incomes and wealth do not. Why? Whilst psychology has devoted little attention to the forward-looking dimension of human behaviour, it contributes theories and techniques for studying the cognitive, motivational and social factors that affect saving. The book examines the assumption that man is forward-looking and desires to provide for the future. It summarizes theories and behavioural research in the area of saving, and explores the psychological insights and findings of economists and interprets them in terms of modern psychology.