The Money Tree

Table of Contents

Introduction

• The purpose of this book
• What will this book do for you?
• Taking financial control
• The Money Tree rule book
• The way we grow a Money Tree has changed
• What works best for you?
• How to grow your Money Tree
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Chapter 1 – Dealing with debt

• Spot the sham
• Not all debt is ‘bad debt’
• Your personal debt freedom day
• Playing the credit card balance transfer game
• When things get really serious
• Never pay for debt counselling advice
• Bankruptcy – the last resort?
• When things get serious – alternatives to bankruptcy
• Key points
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Chapter 2 – Taking control of tax

• Avoid or evade?
• Tax, duties and more taxes
• Understanding income tax
• Some popular income tax misconceptions
• How to pay less income tax
• Top Tips for capital gains tax
• Understanding inheritance tax
• Some ways to pay less inheritance tax
• Top Tips for inheritance tax planning
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Chapter 3 – Serious about savings

• All about cash
• Top Tips to get a better rate of interest
• Why save?
• Cash as an asset class
• Where can you save money?
• What about the downside?
• High headline interest rates on regular savings accounts
• Encouraging the savings habit
• Key points
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Chapter 4 – Making the most of your mortgage

• It’s just a (really) big loan
• They come in lots of different flavours
• Fixed, variable, tracker, discounts, blah, blah, blah
• Interest only or capital repayment?
• Interest only (and capital as well, at the end)
• Common mortgage questions
• Getting a mortgage – what does it cost?
• Some mortgage mistakes to avoid
• The power of offset
• An alternative strategy
• Key points
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Chapter 5 – Plan to protect

• Things can go wrong!
• Death
• Top Tips to slash the cost of your life assurance
• Critical illness
• Illness or accident
• Medical problems
• How much cover do I need?
• Key points
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Chapter 6 – Intelligent investment

• The value of your investments may go down as well as up
• What is my investment risk profile?
• The motion of the ocean
• Buy low, buy high, but always keep buying!
• It’s all about asset allocation
• There is no secret to intelligent investment
• Top Tips for intelligent investment
• How do you actually invest your money?
• ISA magic
• Top Tip
• Going green
• Key points
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Chapter 7 – A financially secure retirement

• A real story
• Why planning for retirement matters
• How do pensions work?
• The rules
• Pensions aren’t simple
• The most common pension misconceptions
• Getting started with your own pension
• Self investment – the future of pensions?
• Don’t forget the State
• Some things you might not know about the State pension
• A common retirement planning mistake
• Time to build your retirement plan
• Key points
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Chapter 8 – Time for advice

• Different advisors serve different purposes
• The professional adviser power meeting
• So much choice
• How to find a financial adviser
• A question of qualifications and regulation
• Top Tips for a healthy relationship with a financial adviser
• There is no such thing as a free lunch
• What to expect from your first meeting
• Key points
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Chapter 9 – Bringing it all together

• How to build a financial plan
• Where are you now?
• Where would you like to be?
• How are you going to get there?
• Key points
• Index
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