{"product_id":"personal-finance-for-dummies-uk-edition-paperback-softback-9781394354504","title":"Personal Finance For Dummies, UK Edition (Paperback \/ softback) 9781394354504","description":"\u003cfont face=\"Georgia\"\u003e\r\n\u003cp\u003e\u003cfont size=\"6\"\u003ePersonal Finance For Dummies, UK Edition\u003c\/font\u003e\u003cbr\u003e\r\n\r\n\r\n\r\n\r\n\r\n\u003c\/p\u003e\n\u003cp\u003e\u003cfont size=\"4\"\u003eHannah Smith (Author), Eric Tyson (Author)\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e9781394354504, Wiley\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003ePaperback \/ softback, published 7 August 2025\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e336 pages\u003cbr\u003e22.9 x 18.3 x 2.3 cm, 0.476 kg\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\r\n\r\n\r\n\u003cp align=\"justify\"\u003e\u003cstrong\u003e\u003cfont size=\"3\"\u003e\u003cp\u003e\u003cb\u003eYour friendly guide to financial success \u003c\/b\u003e \u003c\/p\u003e\n\u003cp\u003eManaging your money and making informed financial decisions for you and your family can be challenging. You're not alone if you find it difficult to understand tax, plan for retirement, create a workable budget, or protect your wealth from unexpected events. This edition of \u003ci\u003ePersonal Finance For Dummies,\u003c\/i\u003e tailored for a UK audience, offers an easy-to-read guide to improving your financial situation, no matter your income level. You'll learn how to set financial goals, invest wisely, and protect your assets while still enjoying life. \u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eInside the book:\u003c\/b\u003e \u003c\/p\u003e\n\u003cul\u003e \u003cli\u003eExpert advice on making sound investments that minimise risk and maximise returns\u003c\/li\u003e \u003cli\u003eClear explanations of UK tax rules so you can save money by using all the allowances you're entitled to\u003c\/li\u003e \u003cli\u003ePractical tips and real-world examples to help you plan for a comfortable retirement\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eManaging your money and building a financially secure future doesn't have to be confusing! Grab a copy of \u003ci\u003ePersonal Finance For Dummies, UK Edition\u003c\/i\u003e for the straightforward, down-to-earth advice you need to help you create the life you've always imagined.\u003c\/p\u003e\u003c\/font\u003e\u003c\/strong\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e\u003cp\u003e\u003cb\u003eIntroduction 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAbout This Book 2\u003c\/p\u003e \u003cp\u003eFoolish Assumptions 3\u003c\/p\u003e \u003cp\u003eIcons Used in This Book 3\u003c\/p\u003e \u003cp\u003eBeyond the Book 4\u003c\/p\u003e \u003cp\u003eWhere to Go from Here 4\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 1: Getting Started with Personal Finance 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Embracing Financial Literacy 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding Everything Financial Literacy Includes 8\u003c\/p\u003e \u003cp\u003eStarting with the basics: Budgeting and transaction accounts 9\u003c\/p\u003e \u003cp\u003eMaking your money work for you: Investing 9\u003c\/p\u003e \u003cp\u003eProtecting your income and assets: Insurance 9\u003c\/p\u003e \u003cp\u003eTalking Money at Home 10\u003c\/p\u003e \u003cp\u003eIdentifying Unreliable Sources of Information 11\u003c\/p\u003e \u003cp\u003eUnderstanding the dangers of free financial content online 11\u003c\/p\u003e \u003cp\u003eRecognising the dangers of following financial gurus (and celebrities) 12\u003c\/p\u003e \u003cp\u003ePublishers pandering to advertisers 13\u003c\/p\u003e \u003cp\u003eDeveloping Good Financial Habits 14\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Establishing a Financial Foundation 15\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding Your Cash Flow 16\u003c\/p\u003e \u003cp\u003eUncovering where your money goes 16\u003c\/p\u003e \u003cp\u003eSizing up your income 17\u003c\/p\u003e \u003cp\u003eUsing Different Accounts 18\u003c\/p\u003e \u003cp\u003eCurrent accounts 19\u003c\/p\u003e \u003cp\u003eSavings accounts 20\u003c\/p\u003e \u003cp\u003eInvestment accounts 21\u003c\/p\u003e \u003cp\u003eBudgeting to Boost Your Savings 22\u003c\/p\u003e \u003cp\u003eUnderstanding and Improving Your Credit Score 23\u003c\/p\u003e \u003cp\u003eDeciphering how lenders use credit reports and scores 23\u003c\/p\u003e \u003cp\u003eObtaining your credit reports 24\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Establishing and Achieving Goals 27\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCreating Your Own Definition of Wealth 28\u003c\/p\u003e \u003cp\u003eAcknowledging what money can’t buy 28\u003c\/p\u003e \u003cp\u003eManaging the balancing act 29\u003c\/p\u003e \u003cp\u003ePrioritising Your Savings Goals 30\u003c\/p\u003e \u003cp\u003eKnowing what’s most important to you 31\u003c\/p\u003e \u003cp\u003eValuing pensions 31\u003c\/p\u003e \u003cp\u003eBuilding Emergency Reserves 33\u003c\/p\u003e \u003cp\u003eSaving to Buy a Home or Business 34\u003c\/p\u003e \u003cp\u003eFunding Kids’ Educational Expenses 34\u003c\/p\u003e \u003cp\u003eSaving for Big Purchases 35\u003c\/p\u003e \u003cp\u003ePreparing for Planned Borrowing 35\u003c\/p\u003e \u003cp\u003ePreparing for Retirement\/Financial Independence 36\u003c\/p\u003e \u003cp\u003eFiguring out what you need for retirement\/financial independence 38\u003c\/p\u003e \u003cp\u003eUnderstanding retirement building blocks 39\u003c\/p\u003e \u003cp\u003eCrunching numbers for your retirement 42\u003c\/p\u003e \u003cp\u003eMaking up for lost time 43\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 2: Spending Less, Saving More 45\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Managing Where Your Money Goes 47\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eExamining Overspending 48\u003c\/p\u003e \u003cp\u003eHaving access to credit 48\u003c\/p\u003e \u003cp\u003eMisusing credit cards 49\u003c\/p\u003e \u003cp\u003eTaking out car loans 49\u003c\/p\u003e \u003cp\u003eSpending to feel good 50\u003c\/p\u003e \u003cp\u003eAssessing Your Spending 52\u003c\/p\u003e \u003cp\u003eTracking spending the “low-tech” way 52\u003c\/p\u003e \u003cp\u003eTracking your spending on websites and apps 55\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Reducing Your Spending 57\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Keys to Successful Spending 57\u003c\/p\u003e \u003cp\u003eLiving within your means 58\u003c\/p\u003e \u003cp\u003eLooking for the best value 58\u003c\/p\u003e \u003cp\u003eMaking credit cards work for you when you’re shopping 60\u003c\/p\u003e \u003cp\u003eAvoiding rent-to-own 60\u003c\/p\u003e \u003cp\u003eSmarter Spending 61\u003c\/p\u003e \u003cp\u003eManaging food costs 62\u003c\/p\u003e \u003cp\u003eSaving on shelter 64\u003c\/p\u003e \u003cp\u003eCutting transportation costs 66\u003c\/p\u003e \u003cp\u003eLowering your energy costs 68\u003c\/p\u003e \u003cp\u003eControlling clothing costs 69\u003c\/p\u003e \u003cp\u003eRepaying your debt 70\u003c\/p\u003e \u003cp\u003eMaking space for fun and recreation 70\u003c\/p\u003e \u003cp\u003eLowering your phone bills 71\u003c\/p\u003e \u003cp\u003eCurtailing personal-care costs 72\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6: Understanding Types of Borrowing 75\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChoosing Carefully When You Really Must Borrow 76\u003c\/p\u003e \u003cp\u003eKnowing why people typically borrow 76\u003c\/p\u003e \u003cp\u003eMaking sure you have a plan to repay 77\u003c\/p\u003e \u003cp\u003eUnderstanding why debt consolidation is usually bad news 77\u003c\/p\u003e \u003cp\u003eExploring Types of Borrowing 78\u003c\/p\u003e \u003cp\u003eCredit cards 79\u003c\/p\u003e \u003cp\u003eBuy now, pay later 80\u003c\/p\u003e \u003cp\u003eSecured versus unsecured loans 81\u003c\/p\u003e \u003cp\u003eOverdrafts 82\u003c\/p\u003e \u003cp\u003ePayday loans and why you should avoid them 82\u003c\/p\u003e \u003cp\u003eCost comparison for borrowing options 83\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7: Dealing with Debt 85\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUsing Savings to Reduce Your Consumer Debt 86\u003c\/p\u003e \u003cp\u003eUnderstanding how you gain 86\u003c\/p\u003e \u003cp\u003eDebt snowball or debt avalanche? 87\u003c\/p\u003e \u003cp\u003eDecreasing Debt When You Lack Savings 87\u003c\/p\u003e \u003cp\u003eReducing your credit card’s interest rate 87\u003c\/p\u003e \u003cp\u003eUnderstanding credit-card terms and conditions 88\u003c\/p\u003e \u003cp\u003eCutting up your credit cards 89\u003c\/p\u003e \u003cp\u003ePaying off student loans 90\u003c\/p\u003e \u003cp\u003eExploring Solutions to Debt Problems 91\u003c\/p\u003e \u003cp\u003eSorting it yourself 91\u003c\/p\u003e \u003cp\u003eUnderstanding debt management plans (DMPs) 92\u003c\/p\u003e \u003cp\u003eUnderstanding Debt Relief Orders (DROs) 93\u003c\/p\u003e \u003cp\u003eUnderstanding Individual Voluntary Arrangements (IVAs) 93\u003c\/p\u003e \u003cp\u003eDeclaring bankruptcy 94\u003c\/p\u003e \u003cp\u003eComparing debt solutions 95\u003c\/p\u003e \u003cp\u003eFinding Reputable and Free Sources of Debt Support 97\u003c\/p\u003e \u003cp\u003eStopping the Spending\/Consumer Debt Cycle 97\u003c\/p\u003e \u003cp\u003eResisting the credit temptation 98\u003c\/p\u003e \u003cp\u003eIdentifying and treating a compulsion 99\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8: Maximising Your Savings 101\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWorking Out How Much to Save 102\u003c\/p\u003e \u003cp\u003eRegular savings versus lump sums 102\u003c\/p\u003e \u003cp\u003eEarning the most interest possible 102\u003c\/p\u003e \u003cp\u003eSaving for Short-Term Goals 103\u003c\/p\u003e \u003cp\u003eSaving for Longer-Term Goals 104\u003c\/p\u003e \u003cp\u003eUnderstanding How Inflation Eats Your Savings 105\u003c\/p\u003e \u003cp\u003eSaver Mike’s inflation battle 105\u003c\/p\u003e \u003cp\u003ePaying tax on your savings 106\u003c\/p\u003e \u003cp\u003eMaking the most of ISAs 107\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 3: Building Wealth Through Investing 109\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9: Managing and Reducing Your Tax 111\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding the Tax You Pay 112\u003c\/p\u003e \u003cp\u003eFocusing on your total tax 112\u003c\/p\u003e \u003cp\u003eRecognising the importance of your marginal tax rate 113\u003c\/p\u003e \u003cp\u003eUnderstanding the 60 percent tax trap 114\u003c\/p\u003e \u003cp\u003eDefining taxable income 114\u003c\/p\u003e \u003cp\u003eAnalysing recent tax law changes 115\u003c\/p\u003e \u003cp\u003eMaking the Most of Your Tax-Free Allowances 116\u003c\/p\u003e \u003cp\u003ePaying into a pension 117\u003c\/p\u003e \u003cp\u003eDeducting self-employment expenses 117\u003c\/p\u003e \u003cp\u003eSalary sacrifice schemes 119\u003c\/p\u003e \u003cp\u003eContributing to charities 119\u003c\/p\u003e \u003cp\u003eTax-Friendly Investing 120\u003c\/p\u003e \u003cp\u003eUsing ISAs to save and invest tax free 120\u003c\/p\u003e \u003cp\u003eDividend, savings, and capital gains tax allowances 121\u003c\/p\u003e \u003cp\u003eBacking young companies for tax breaks with EIS and VCTs 122\u003c\/p\u003e \u003cp\u003eEstate Planning 122\u003c\/p\u003e \u003cp\u003eManaging inheritance tax 122\u003c\/p\u003e \u003cp\u003eWills, living wills, and powers of attorney 124\u003c\/p\u003e \u003cp\u003eWhere to Go for Help with Tax 125\u003c\/p\u003e \u003cp\u003eObtaining HMRC assistance 125\u003c\/p\u003e \u003cp\u003eFinding an accountant 126\u003c\/p\u003e \u003cp\u003eDeciding whether you need a financial adviser 126\u003c\/p\u003e \u003cp\u003eLooking for tax resources online 126\u003c\/p\u003e \u003cp\u003eDealing with a Tax Investigation 127\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10: Considering Important Investment Concepts 129\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEstablishing Your Goals 129\u003c\/p\u003e \u003cp\u003eUnderstanding the Primary Investments 130\u003c\/p\u003e \u003cp\u003eLooking at lending investments 130\u003c\/p\u003e \u003cp\u003eExploring ownership investments 132\u003c\/p\u003e \u003cp\u003eShunning Gambling and “Get-Rich-Quick” Vehicles 132\u003c\/p\u003e \u003cp\u003eForsaking futures, options, and other derivatives 132\u003c\/p\u003e \u003cp\u003eDitching day trading 133\u003c\/p\u003e \u003cp\u003eSidestepping get-rich-quick schemes 134\u003c\/p\u003e \u003cp\u003eUnderstanding Investment Returns 134\u003c\/p\u003e \u003cp\u003eSizing Investment Risks 135\u003c\/p\u003e \u003cp\u003eComparing the risks of stocks and bonds 136\u003c\/p\u003e \u003cp\u003eFocusing on the risks you can control 137\u003c\/p\u003e \u003cp\u003eDiscovering low-risk, high-return investments 138\u003c\/p\u003e \u003cp\u003eDiversifying Your Investments 138\u003c\/p\u003e \u003cp\u003eSpreading the wealth: Asset allocation 139\u003c\/p\u003e \u003cp\u003eAllocating money for the long term 140\u003c\/p\u003e \u003cp\u003eSticking with your allocations: Don’t trade 141\u003c\/p\u003e \u003cp\u003eInvesting lump sums via pound cost averaging 142\u003c\/p\u003e \u003cp\u003eLeaving You with Some Final Advice 143\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11: Understanding Your Investment Choices 145\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSlow and Steady Investment: Bonds 145\u003c\/p\u003e \u003cp\u003eBuilding Wealth with Ownership Vehicles 147\u003c\/p\u003e \u003cp\u003eSelecting stocks 147\u003c\/p\u003e \u003cp\u003eInvesting in individual stocks 148\u003c\/p\u003e \u003cp\u003eInvesting internationally in stocks 149\u003c\/p\u003e \u003cp\u003eOwning shares in your employer 150\u003c\/p\u003e \u003cp\u003eInvesting in funds 150\u003c\/p\u003e \u003cp\u003eGenerating wealth with property 152\u003c\/p\u003e \u003cp\u003eInvesting in small business 156\u003c\/p\u003e \u003cp\u003eOff the Beaten Path: Investment Odds and Ends 159\u003c\/p\u003e \u003cp\u003ePrecious metals 159\u003c\/p\u003e \u003cp\u003eBitcoin, Ethereum, and other cryptocurrencies 160\u003c\/p\u003e \u003cp\u003eCollectibles (including NFTs) 162\u003c\/p\u003e \u003cp\u003ePeer-to-peer lending and crowdfunding 163\u003c\/p\u003e \u003cp\u003eAvoiding scams 163\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12: Investing in Funds 165\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding the Benefits of Funds and ETFs 165\u003c\/p\u003e \u003cp\u003eExploring Various Fund Types 167\u003c\/p\u003e \u003cp\u003eFund structures 167\u003c\/p\u003e \u003cp\u003eBond funds 168\u003c\/p\u003e \u003cp\u003eEquity funds 169\u003c\/p\u003e \u003cp\u003eMixing bonds and equities: Balanced funds 170\u003c\/p\u003e \u003cp\u003eGlobal funds 170\u003c\/p\u003e \u003cp\u003eIndex funds 171\u003c\/p\u003e \u003cp\u003eSpecialty (sector) funds 172\u003c\/p\u003e \u003cp\u003eSocially responsible and ESG investing 173\u003c\/p\u003e \u003cp\u003eLearning How to Invest in Funds 174\u003c\/p\u003e \u003cp\u003eOnline investment platforms 174\u003c\/p\u003e \u003cp\u003eApps 174\u003c\/p\u003e \u003cp\u003eStockbrokers 174\u003c\/p\u003e \u003cp\u003eFinancial advisers 175\u003c\/p\u003e \u003cp\u003eChoosing a Managed Portfolio or Going DIY 175\u003c\/p\u003e \u003cp\u003eSelecting the Best Funds 176\u003c\/p\u003e \u003cp\u003eUnderstanding fund literature 176\u003c\/p\u003e \u003cp\u003eKeeping costs low 177\u003c\/p\u003e \u003cp\u003eAdding up how much investing costs 177\u003c\/p\u003e \u003cp\u003eEvaluating historic performance 179\u003c\/p\u003e \u003cp\u003eDetermining your needs and goals 179\u003c\/p\u003e \u003cp\u003eDeciphering Your Fund’s Performance 180\u003c\/p\u003e \u003cp\u003eDividends 180\u003c\/p\u003e \u003cp\u003eShare price changes 181\u003c\/p\u003e \u003cp\u003eEvaluating and selling your funds 181\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 13: Investing for Retirement 183\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhy Invest in Pensions 183\u003c\/p\u003e \u003cp\u003eFree money from the government 184\u003c\/p\u003e \u003cp\u003eFree money from your employer 184\u003c\/p\u003e \u003cp\u003eAre pensions safe? 185\u003c\/p\u003e \u003cp\u003eLooking at Types of Pensions 185\u003c\/p\u003e \u003cp\u003eWorkplace pensions 185\u003c\/p\u003e \u003cp\u003eSelf-employed pensions 186\u003c\/p\u003e \u003cp\u003eDefined contribution pensions 187\u003c\/p\u003e \u003cp\u003eDefined benefit pensions 187\u003c\/p\u003e \u003cp\u003eHow much money do I need? 187\u003c\/p\u003e \u003cp\u003eUnderstanding the State Pension 187\u003c\/p\u003e \u003cp\u003ePlugging gaps in your National Insurance record 188\u003c\/p\u003e \u003cp\u003eAnnuities explained 188\u003c\/p\u003e \u003cp\u003eAllocating Your Money in Pensions 189\u003c\/p\u003e \u003cp\u003ePrioritising pension contributions 190\u003c\/p\u003e \u003cp\u003eSetting up a pension 190\u003c\/p\u003e \u003cp\u003eAllocating money when your employer selects the investment options 190\u003c\/p\u003e \u003cp\u003eAllocating money in plans you design 192\u003c\/p\u003e \u003cp\u003eTransferring Pensions 194\u003c\/p\u003e \u003cp\u003eConsolidating small pension pots 195\u003c\/p\u003e \u003cp\u003eMoving money from an employer’s plan 195\u003c\/p\u003e \u003cp\u003eTaking money out of pensions 195\u003c\/p\u003e \u003cp\u003eUnderstanding drawdown 196\u003c\/p\u003e \u003cp\u003eExploring pension alternatives 197\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 14: Investing for Children 199\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eInvesting for Children versus Saving in Cash 199\u003c\/p\u003e \u003cp\u003eExploring Ways to Invest for Children 200\u003c\/p\u003e \u003cp\u003eUnderstanding Junior ISAs and Child Trust Funds 201\u003c\/p\u003e \u003cp\u003eDeciding whether to invest for a child through your own ISA 201\u003c\/p\u003e \u003cp\u003eConsidering pensions for children 202\u003c\/p\u003e \u003cp\u003eEstimating University Costs 204\u003c\/p\u003e \u003cp\u003eWorking Out the Student Finance System 205\u003c\/p\u003e \u003cp\u003eStrategising to Pay for Educational Expenses 206\u003c\/p\u003e \u003cp\u003eEstimating university costs 206\u003c\/p\u003e \u003cp\u003eSetting realistic savings goals 207\u003c\/p\u003e \u003cp\u003eTips for getting loans, grants, and scholarships 207\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 15: Investing in Property: Your Home and Beyond 209\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDeciding Whether to Buy or Rent 210\u003c\/p\u003e \u003cp\u003eAssessing your timeline 210\u003c\/p\u003e \u003cp\u003eDetermining what you can afford 210\u003c\/p\u003e \u003cp\u003eCalculating how much you can borrow 211\u003c\/p\u003e \u003cp\u003eComparing owning versus renting costs 212\u003c\/p\u003e \u003cp\u003eConsidering the long-term costs of renting 213\u003c\/p\u003e \u003cp\u003eRecognising advantages to renting 214\u003c\/p\u003e \u003cp\u003eFinancing Your Home 214\u003c\/p\u003e \u003cp\u003eUnderstanding the two major types of mortgage 215\u003c\/p\u003e \u003cp\u003eChoosing between fixed- and variable-rate mortgages 216\u003c\/p\u003e \u003cp\u003eHow willing and able are you to take on financial risk? 216\u003c\/p\u003e \u003cp\u003eAvoiding the house deposit blues 217\u003c\/p\u003e \u003cp\u003eConsidering a 30- to 40-year mortgage 219\u003c\/p\u003e \u003cp\u003eDeciding whether to overpay your mortgage 219\u003c\/p\u003e \u003cp\u003eFinding the best lender 220\u003c\/p\u003e \u003cp\u003eIncreasing your approval chances 222\u003c\/p\u003e \u003cp\u003eFinding the Right Property 223\u003c\/p\u003e \u003cp\u003eCasting a broad net 223\u003c\/p\u003e \u003cp\u003eFinding out actual sale prices 224\u003c\/p\u003e \u003cp\u003eResearching the area 224\u003c\/p\u003e \u003cp\u003eWorking with estate agents 224\u003c\/p\u003e \u003cp\u003ePresenting yourself as a serious buyer 225\u003c\/p\u003e \u003cp\u003eMaking an Offer 225\u003c\/p\u003e \u003cp\u003eNegotiating 101 226\u003c\/p\u003e \u003cp\u003eGetting a survey 226\u003c\/p\u003e \u003cp\u003eAppointing a conveyancer 227\u003c\/p\u003e \u003cp\u003ePlanning for stamp duty and other costs 228\u003c\/p\u003e \u003cp\u003eAfter Your Purchase 228\u003c\/p\u003e \u003cp\u003eRemortgaging 228\u003c\/p\u003e \u003cp\u003eConsidering equity release 229\u003c\/p\u003e \u003cp\u003eSelling your house 229\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 16: Working with Financial Planners 231\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSurveying Your Financial Management Options 231\u003c\/p\u003e \u003cp\u003eDoing nothing 232\u003c\/p\u003e \u003cp\u003eDoing it yourself 232\u003c\/p\u003e \u003cp\u003eHiring financial help 232\u003c\/p\u003e \u003cp\u003eDeciding Whether to Hire a Financial Planner 234\u003c\/p\u003e \u003cp\u003eHow a good financial adviser can help 235\u003c\/p\u003e \u003cp\u003eWhy advisers aren’t for everyone 236\u003c\/p\u003e \u003cp\u003eFinding a Good Financial Planner 236\u003c\/p\u003e \u003cp\u003eSoliciting personal referrals 237\u003c\/p\u003e \u003cp\u003eSeeking advisers through associations 237\u003c\/p\u003e \u003cp\u003eInterviewing Financial Advisers: Asking the Right Questions 238\u003c\/p\u003e \u003cp\u003eHow and what do you charge? 238\u003c\/p\u003e \u003cp\u003eDo you also perform tax or legal services? 238\u003c\/p\u003e \u003cp\u003eWhat work and educational experience qualifies you to be a financial planner? 239\u003c\/p\u003e \u003cp\u003eCan you provide references from clients with needs similar to mine? 239\u003c\/p\u003e \u003cp\u003eWill you provide specific strategies and product recommendations that I can implement on my own if I choose? 240\u003c\/p\u003e \u003cp\u003eLearning from Others’ Mistakes 240\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 4: Insurance: Protecting What You Have 241\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 17: The Three Laws of Buying Insurance 243\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eLaw I: Insure for the Big Stuff; Don’t Sweat the Small Stuff 244\u003c\/p\u003e \u003cp\u003eBuy insurance to cover financial catastrophes 244\u003c\/p\u003e \u003cp\u003eTake the highest excess you can afford 246\u003c\/p\u003e \u003cp\u003eAvoid small-potato policies 246\u003c\/p\u003e \u003cp\u003eLaw II: Buy Broad Coverage 248\u003c\/p\u003e \u003cp\u003eLaw III: Shop Around and Buy Direct 250\u003c\/p\u003e \u003cp\u003eFinding policies with comparison sites 250\u003c\/p\u003e \u003cp\u003eUsing insurance brokers or financial advisers 250\u003c\/p\u003e \u003cp\u003eLooking at employer and other group plans 251\u003c\/p\u003e \u003cp\u003eDealing with Insurance Problems 251\u003c\/p\u003e \u003cp\u003eKnowing what to do if you’re denied cover 251\u003c\/p\u003e \u003cp\u003eGetting your due on claims 253\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 18: Insurance on You: Life, Income, and Health 257\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eProviding for Your Loved Ones: Life Insurance 258\u003c\/p\u003e \u003cp\u003eDetermining how much life insurance to buy 258\u003c\/p\u003e \u003cp\u003eComparing the types of life insurance 260\u003c\/p\u003e \u003cp\u003eBuying term insurance 261\u003c\/p\u003e \u003cp\u003ePreparing for the Unpredictable: Income Protection Insurance 263\u003c\/p\u003e \u003cp\u003eUnderstanding income protection insurance 263\u003c\/p\u003e \u003cp\u003eGetting to grips with critical illness cover 264\u003c\/p\u003e \u003cp\u003eDeciding whether you need cover 265\u003c\/p\u003e \u003cp\u003eDetermining how much cover you need 266\u003c\/p\u003e \u003cp\u003eIdentifying other features you need in income protection insurance 266\u003c\/p\u003e \u003cp\u003eDeciding where to buy income protection insurance 267\u003c\/p\u003e \u003cp\u003eGetting the Care You Need: Health Insurance 267\u003c\/p\u003e \u003cp\u003eChoosing the best health plan 268\u003c\/p\u003e \u003cp\u003eBuying health insurance 269\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 19: Covering Your Assets 271\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eInsuring Your Home 271\u003c\/p\u003e \u003cp\u003eBuildings insurance: The cost to rebuild 272\u003c\/p\u003e \u003cp\u003eSpecial discounts 272\u003c\/p\u003e \u003cp\u003eContents insurance: For your things 273\u003c\/p\u003e \u003cp\u003ePersonal liability insurance: Cover for when others are harmed 274\u003c\/p\u003e \u003cp\u003eThe excess: Your cost with a claim 274\u003c\/p\u003e \u003cp\u003eBuying buildings and contents insurance 274\u003c\/p\u003e \u003cp\u003eCar Insurance 101 275\u003c\/p\u003e \u003cp\u003eThird-party only 275\u003c\/p\u003e \u003cp\u003eThird-party, fire, and theft 275\u003c\/p\u003e \u003cp\u003eFully comprehensive 276\u003c\/p\u003e \u003cp\u003eUninsured driver cover 276\u003c\/p\u003e \u003cp\u003eInsuring Your Pets 277\u003c\/p\u003e \u003cp\u003eThe main types of pet insurance policy 277\u003c\/p\u003e \u003cp\u003eWays to save on pet insurance 278\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 5: the Part of Tens 279\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 20: Survival Guide for Ten Life Changes 281\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eStarting Out: Your First Job 282\u003c\/p\u003e \u003cp\u003eChanging Jobs or Careers 283\u003c\/p\u003e \u003cp\u003eGetting Married 285\u003c\/p\u003e \u003cp\u003eBuying a Home 286\u003c\/p\u003e \u003cp\u003eHaving Children 287\u003c\/p\u003e \u003cp\u003eStarting a Small Business 289\u003c\/p\u003e \u003cp\u003eCaring for Ageing Parents 290\u003c\/p\u003e \u003cp\u003eDivorcing 291\u003c\/p\u003e \u003cp\u003eReceiving a Windfall 293\u003c\/p\u003e \u003cp\u003eRetiring 294\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 21: Ten Free Resources 297\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMoneyHelper 297\u003c\/p\u003e \u003cp\u003ePension Wise 298\u003c\/p\u003e \u003cp\u003eCitizens Advice 298\u003c\/p\u003e \u003cp\u003eFCA ScamSmart 298\u003c\/p\u003e \u003cp\u003eGov.UK 298\u003c\/p\u003e \u003cp\u003eStepChange 299\u003c\/p\u003e \u003cp\u003eMoneySavingExpert 299\u003c\/p\u003e \u003cp\u003eThe Open University 299\u003c\/p\u003e \u003cp\u003eWhich? 300\u003c\/p\u003e \u003cp\u003eBoring Money 300\u003c\/p\u003e \u003cp\u003eGlossary 301\u003c\/p\u003e \u003cp\u003eIndex 311\u003c\/p\u003e\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003eSubject Areas: Finance \u0026amp; accounting [\u003ca title=\"See our other books on Finance \u0026amp; accounting\" href=\"https:\/\/freshlyprintedbooks.co.uk\/search?q=%22Finance%20\u0026amp;%20accounting%20%5BKF%5D%22\"\u003eKF\u003c\/a\u003e]\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\u003c\/font\u003e","brand":"For Dummies","offers":[{"title":"Brand New","offer_id":52453366366488,"sku":"9781394354504","price":16.59,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0730\/2037\/5320\/files\/9781394354504.jpg?v=1785283345","url":"https:\/\/freshlyprintedbooks.co.uk\/products\/personal-finance-for-dummies-uk-edition-paperback-softback-9781394354504","provider":"Freshly Printed Books","version":"1.0","type":"link"}