Personal Finance & Investing All-In-One for Dummies (ISBN - 0470515105).pdf - New UPLOAD - chomik___123

Personal Finance &

Investing

ALL-IN-ONE

FOR

DUMmIES

‰

By Melanie Bien, Julian Knight, and Tony Levene

Edited by Faith Glasgow

Personal Finance & Investing All-in-One For Dummies ®

Published by

John Wiley & Sons, Ltd

The Atrium

Southern Gate

Chichester

West Sussex

PO19 8SQ

England

E-mail (for orders and customer service enquires): cs-books@wiley.co.uk

Visit our Home Page on www.wiley.com

Published by John Wiley & Sons, Ltd, Chichester, West Sussex

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British Library Cataloguing in Publication Data: A catalogue record for this book is available from the

British Library

ISBN: 978-0-470-51510-5

Printed and bound in Great Britain by Bell & Bain Ltd, Glasgow

10 9 8 7 6 5 4 3 2 1

About the Authors

Faith Glasgow has been writing on finance and property for longer than she

cares to remember, and has freelanced since 1998. She has contributed to a

wide range of publications during that time, including most of the broadsheets

and magazines from Vogue to Investors Chronicle . Faith lives in London with a

small family and a large mortgage, and occasionally muses on the fact that

she still has to work for a living, given the reams of advice on how to manage

one’s wealth that she has dispensed over the years. Sadly, hers is a classic

case of ‘Do as I say, not as I do’.

Melanie Bien is associate director (head of media relations) at Savills Private

Finance, the independent mortgage broker. She was personal finance editor

of the Independent on Sunday for five years and writes freelance property

features for national newspapers, magazines, and Web sites. She has written

several books and pamphlets to accompany television programmes on prop-

erty makeovers and design, and on buying, renovating, and selling property.

Her other books include Sorting Out Your Finances For Dummies , Buying a

Home On a Budget For Dummies , Buying and Selling Property For Dummies ,

and Renting Out Your Property For Dummies .

Julian Knight was born in Chester in 1972, educated at the Chester Catholic

High School, and later at Hull University. He is the BBC News personal finance

reporter and writes for the BBC News Web site; Julian is the author of Wills,

Probate & Inheritance Tax For Dummies , and lives in London with a large

mortgage. Before joining the BBC, Julian worked at Moneywise magazine

and contributed to the Guardian as well as many other publications.

Tony Levene is a member of The Guardian Jobs & Money team, writing on

issues including investment and consumer rights as well as on taxation.

He has been a financial journalist for nearly thirty years after a brief foray

into teaching French to school children. Over his journalistic career, Tony

has worked for newspapers including The Sunday Times , Sunday Express ,

The Sun , Daily Star , Sunday Mirror , and Daily Express . He has written seven

previous books on money matters including Investing For Dummies and

Paying Less Tax For Dummies . Tony lives in London with his wife Claudia,

‘virtually grown up’ children Zoe and Oliver, and cats Plato, Pandora, and

Pascal.

Editor’s Dedication

For my beloved Mum and Dad.

Editor’s Acknowledgements

Many thanks to the specialists who helped in the updating of complex

information in this book, particularly Paul Causton of Steele Raymond,

Tom McPhail of Hargreaves Lansdown, and the HMRC press office.

Publisher’s Acknowledgements

We’re proud of this book; please send us your comments through our Dummies online registration

form located at www.dummies.com/register/.

Some of the people who helped bring this book to market include the following:

Acquisitions, Editorial, and

Media Development

Project Editor: Daniel Mersey

Content Editor: Steve Edwards

Commissioning Editor: Alison Yates

Text Splicer: Helen Heyes

Executive Editor: Jason Dunne

Executive Project Editor: Martin Tribe

Cartoons: Ed McLachlan

Composition Services

Project Coordinator: Jennifer Theriot

Layout and Graphics: Claudia Bell,

Denny Hager, Heather Ryan,

Alicia B. South

Proofreaders: David Faust, Susan Moritz

Indexer: Aptara

Publishing and Editorial for Consumer Dummies

Diane Graves Steele, Vice President and Publisher, Consumer Dummies

Joyce Pepple, Acquisitions Director, Consumer Dummies

Kristin A. Cocks, Product Development Director, Consumer Dummies

Michael Spring, Vice President and Publisher, Travel

Kelly Regan, Editorial Director, Travel

Publishing for Technology Dummies

Andy Cummings, Vice President and Publisher, Dummies Technology/General User

Composition Services

Gerry Fahey, Vice President of Production Services

Debbie Stailey, Director of Composition Services

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