Huttons publishing (28 résultats)
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Simple Investing For The Self-Employed: You're Great At The Work, Now Sort Out The Money. A UK Guide
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Vendeur : CitiRetail, Stevenage, Royaume-UniCitiRetail
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Paperback. Etat : new. Paperback. Simple Investing Guide To FIRE: What the UK Early Retirement Community Knows That Most Investors Don't. A UK Guide Kindle Edition by Stuart Welch (Author) Format: Kindle Edition Part of: Simple Investing (7 books) See all formats and editionsHere is something nobody tells you about financial ind…ependence. It is considerably simpler than the industry would have you believe.Most people in this country will work until they are told they can stop. Not until they want to stop. Until the government, or their employer, or their failing knees make the decision for them.A growing number of people have decided they're not particularly interested in that arrangement. The movement is called FIRE - Financial Independence, Retire Early - and for the last decade it has been dominated by American voices talking about American accounts, American taxes, and American healthcare. Almost none of it applies to anyone holding a British passport.This book is the corrective.Written by someone who spent twenty-five years inside the industryStuart Welch's career took him from Chartered Accountant to Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing and Advice at Fidelity International. He knows exactly what the industry understands about building wealth for early retirement - and how little of it ever reaches the people who need it most.What's insideYour FIRE number - the specific, calculable figure that represents your financial finishing line. Most people have never worked it outNot one FIRE, but many - Lean, Fat, Barista, Coast, Slow. Which version you're aiming for shapes every decision that followsThe UK difference - why the NHS is one of the most valuable components of your FIRE plan, and why American FIRE writers would be quietly envious if they knew about the ISAThe wrapper hierarchy - ISA, SIPP, and GIA in the right order, with the tax relief fully capturedThe 4% rule, properly applied to UK investors - why the American number is slightly wrong for a British retirement, and what to use insteadThe engine room - why a single low-cost global index fund, held for a long time, beats almost every sophisticated alternativeThe savings rate secret - the variable that matters more than your salary or your investment returnsWhen the market drops (and it will) - the psychological preparation that separates investors who stay the course from those who sell at the bottomThe tax trap nobody warns you about - the 10,000 MPAA, the 60% marginal band, and the drawdown sequence that quietly saves tens of thousandsCoast FIRE - the quiet milestone that arrives considerably earlier than the full number, and changes everything about the journeyThe state pension as a structural plan component - worth the equivalent of 313,000 in invested assets, and routinely treated as a footnoteThe decumulation phase - because the saving part, hard as it was, turns out to have been the easy bitWhat nobody tells you about actually retiring early - identity, structure, purpose, and the surprising difficulty of spending money you spent a decade accumulatingThe simple plan - start this week - ten steps, executable in a weekend, that put the strategy into motionThe principles are not complicated. Spend less than you earn. Invest the difference in a low-cost global index fund, inside a tax-efficient wrapper, at the highest savings rate you can sustainably maintain. Leave it alone. Repeat until work becomes optional.This book is how you actually do that, in the UK, without needing to transl Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.
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Vendeur : Grand Eagle Retail, Bensenville, IL, Etats-UnisGrand Eagle Retail
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Paperback. Etat : new. Paperback. You know you should be investing. You've known for a while, actually. Maybe a few years. You've half-listened to conversations about ISAs and index funds and thought yes, I really must look into that. And then you haven't. This book is for you. Written by someone who ran some of the businesses U…K investors useStuart Welch spent twenty-five years at the heart of UK financial services - as Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing at Fidelity International. He has seen, from the inside, exactly how the investment industry works - and exactly how it talks to ordinary people. Too often, that conversation is more complicated than it needs to be. This book is his attempt to fix that. What's insideWhy you haven't started yet - the real reasons intelligent people delay, named plainly and dismantled one by oneWhat investing actually is - and why leaving your money in a savings account is quietly costing you more than you thinkISAs explained clearly - the single best starting point for UK investors, with a step-by-step guide to choosing a platform and opening an accountThe truth about risk - why markets will fall, why that's fine, and why the investors who stay calm are the ones who come out aheadCompound growth - why starting with 25 a month today beats waiting until you have moreHow the industry really works - a frank look from the inside at why investing feels complicated, and who benefits from thatInvesting for the next generation - how to give children or grandchildren a financial head startYour pension and your ISA - how the two fit together and what to checkThree steps that make you an investor - by the end of this book, you won't just understand investing. You'll be doing it.You don't need thousands of pounds. You don't need a financial degree. You need a small amount a month and less than an hour. Every year you wait is a year of growth you'll never get back. The door was never locked. It was just a bit stiff, and nobody bothered to oil it. This book will oil it. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.
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Paperback. Etat : new. Paperback. You have a pension. You are probably not sure exactly where all of it is, what it is worth, or whether it will be enough.This book is for you.Written by someone who spent twenty-five years inside the industry Stuart Welch spent a career at the heart of UK financial services. He has watched, from… the inside, how ordinary people engage with their pensions. Most don't. Not because they are irresponsible or financially illiterate, but because the industry that holds their money has spent decades making it feel impossible to understand. This book fixes that.What's insideFinding your lost pots - how to track down every pension you have ever accumulated, using the free government tools most people have never heard ofThe State Pension - what you will actually get, how to check your National Insurance record, and how to fill gaps cheaply before the window closesDefined benefit versus defined contribution - the crucial difference, why it matters, and the one mistake that cannot be undoneCharges - the number buried in your pension statement that is quietly costing you tens of thousands of pounds over a working lifeAre you on track - a simple framework for working out your target number and whether you are heading towards itConsolidation - when to bring your pensions together, when not to, and the guarantees you must check before you transfer anythingContributions - how much is actually enough, why the auto-enrolment default falls short, and how to close the gap without it feeling painfulInvestment - what your pension should actually be invested in, why the default fund may not be right for you, and how to fix it in an afternoonYou do not need a financial adviser on retainer. You do not need a complicated spreadsheet. You need a clear picture of what you have, a simple plan for building on it, and the confidence that comes from finally understanding it. You have been meaning to deal with this for years. Now you can. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.
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Paperback. Etat : new. Paperback. Nobody is coming to sort this out for you. But you already knew that.The moment you went self-employed, an enormous amount of financial infrastructure stopped working on your behalf. The tax, the pension contributions, the sick pay, the safety net. All of it stopped. And nobody handed you a manu…al.There are around five million self-employed people in the UK. The vast majority are managing their finances somewhere between mild improvisation and structured chaos. Not because they're bad with money. Because nobody has ever given them a clear, honest account of what working for yourself actually means financially.This book is that account.Written by someone who spent twenty-five years inside the industryStuart Welch's career took him from Chartered Accountant to Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing and Advice at Fidelity International. He knows exactly how the financial system treats the self-employed - and how consistently it fails to explain itself.What's insideWhy your financial life is genuinely different - not worse, but different. Understanding the gap is the prerequisite for everything elseThe tax you owe and when you owe it - self-assessment, payment on account, and how to make January boring rather than terrifyingSole trader or limited company - what the difference actually means for your moneyYour emergency fund, protection, and financial foundations - the unglamorous work that makes everything else possibleThe pension gap - what you lost the day you stopped being employed, and how far behind you probably areThe SIPP - your primary pension vehicle, and the one mistake that quietly destroys years of savingThe limited company pension advantage - the employer contribution mechanism most directors know about vaguely and almost none are using properly. This chapter alone is worth the cover priceContributing when your income varies - a practical framework that works with irregular earnings rather than against themThe ISA and your business surplus - the second most important account, and what to do with the money sitting in the company account doing nothingPlanning the wind-down - the self-employed retirement is gradual, not a cliff edge. How to plan for the version that actually happensSelling the business, avoiding scams, and finding the right professional helpThe self-employed financial life has more moving parts than the employed one. But the moving parts are understandable, the decisions are manageable, and the advantages - once you can see them clearly - are real and significant.Start now. The gap is smaller than you think. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.
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Paperback. Etat : new. Paperback. No one is coming to save you. But you don't need saving - you need a plan.Women are more likely to outlive their partners, more likely to take career breaks, and more likely to retire with significantly less money than men. This is not an accident. It is the result of a system that was not desig…ned with you in mind.This book was.A word about the authorStuart Welch is a man. He is also a Chartered Accountant who spent twenty-five years inside UK financial services - as Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing at Fidelity International. He watched, from the inside, how the financial services industry communicates with women. He watched what it got wrong, what it left out, and who it quietly failed. This book is the conversation it should have been having all along.What's insideWhere you are now - an honest, non-judgmental audit of your current financial situation. The starting point nobody talks about because it feels too embarrassingWhy saving isn't enough - the silent killer of women's wealth, and what to do insteadCompound interest explained properly - why starting small and early beats starting big and late, every single timeThe pay gap is real - so let's work with it - acknowledging the structural unfairness honestly, then moving straight to what you can actually doRisk isn't a dirty word - reframing risk, understanding your own tolerance, and ditching the patronising questionnairesThe basics of investing - stocks, funds, ISAs, index funds, explained clearly without jargonYour pension is not boring - it absolutely is, and we're going to talk about it anyway, because the numbers are genuinely alarmingInvesting through life's interruptions - career breaks, divorce, bereavement, children. How to keep building wealth through the moments that derail women financially more than menThe emotional game - why we sabotage ourselves, panic sell, and wait for permission we were never going to be givenWhen to get professional help - what a financial adviser actually does, and when you need one versus when you really don'tYour plan - a simple, personalised action plan. You finish this book with something concrete, not just inspirationYou don't need to have your finances perfectly in order before you're allowed to begin. You don't need a partner, a financial degree, or a large lump sum. You just need to start.The wealth gap between women who invest and women who don't is not inevitable. It is a choice - and it compounds, in both directions, every single year.The conversation we were never supposed to have starts here. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.
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Paperback. Etat : new. Paperback. You have one financial advantage nobody else has. Don't waste it.Time. That's it. That's the whole secret. Not income, not inheritance, not a degree in economics. Just time - and the decision to use it.The numbers are stark. Invest a modest amount each month from your mid-twenties and you could…have over half a million pounds by retirement. Start the same habit ten years later and that figure roughly halves. The difference isn't discipline, luck, or knowing the right people. It's a decade - and that decade is right now.Written by someone who ran the UK investment industry - and wishes this book had existed at the start of his careerStuart Welch spent twenty-five years at the heart of UK financial services - as Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing at Fidelity International. This is the book he wishes had existed when he was starting out - written for the reader who has better things to do than become a financial expert, but who understands that the decisions made in their twenties will shape everything that follows.What's insideHow compound interest actually works - with numbers specific enough to make you actThe accounts available to you - workplace pension, Stocks and Shares ISA, Lifetime ISA, SIPP. What each one does and which to prioritiseWhat to invest in - stocks, bonds, index funds and ETFs explained without jargonThe behaviours that make or break investors - and how to automate your way past all of themInvesting with student debt - whether it makes sense, and how to think about it clearlyLow or irregular income - why you don't need to earn more before you can startBig life events and your investments - how to keep building through the moments that throw everything offYour first investment portfolio - what to build, how to set it up, and what to do once it's runningStaying the course - the psychology of markets, why investors panic, and how not to be one of themStarting a decade earlier roughly doubles the outcome. You don't need to earn a lot. You don't need to find it interesting. You just need to start - and this book will show you exactly how.The decisions you make in your twenties will shape everything that follows.This book makes those decisions straightforward. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.
Autres imagesThe Architects : Huttons The Building and Renovation Source Book for staff architects, Building oners and facilities Managers : Volume 14 : 1992 (BUILDING RESOURCES, MATERIALS, Ground Up, All Industries, Site Management, etc)
Gordon MacOmber, Russell Barone, Cathy Combs, Nancy Bullock, Judy Hamilton, Hutton Publishing
Edité par Huttons Publishing 1992, Interior Clean and Unmarked, 1992
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Vendeur : GREAT PACIFIC BOOKS, Ventura, CA, Etats-UnisGREAT PACIFIC BOOKS
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Ajouter au panierHard Back / Oversized. Etat : Very Good. No Dust Jacket. Hardback : hard cover edition in good plus condition, a typical used book with slight wear to edges and spine. Some minor bumping or scuffs. Overall good / nice copy of this scarce title. Excellent reading on the subject. A good book to enjoy and keep on hand for yourself.… Or would make an ideal gift for the fan / reader in your life. Reading is one of the great pleasures in life. Reading is one of the great pleasures in life. No dust cover, as issued. Fully Illustrated, Color (illustrateur). Book.
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Vendeur : CitiRetail, Stevenage, Royaume-UniCitiRetail
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Paperback. Etat : new. Paperback. I know. You have started to wonder what your money is actually doing.Perhaps it was a news story about your pension funding the oil industry. Perhaps it was a quiet realisation that the ISA you have been paying into for years owns companies you would never knowingly support. Perhaps it was simpl…y the slow understanding that "ethical investing" has become one of the most discussed and least clearly defined corners of personal finance, and you would like someone to explain what is actually going on.This book is for you.The industry has responded to growing investor concern with a vast and confusing range of ethical, sustainable and ESG products, often at premium fees, often with marketing that promises rather more than it delivers. Telling the genuine from the cosmetic has become one of the more demanding tasks in personal finance.This book is the filter.Written by someone who spent twenty-five years inside the industryStuart Welch's career took him from Chartered Accountant to Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing and Advice at Fidelity International. He knows exactly what the industry understands about ethical investing - and how much of what reaches retail investors is sales copy rather than substance.What's insideYour tracker, audited - what your fund actually owns, sector by sector, including the parts most investors have never checkedThe returns question, answered honestly - does ethical investing cost you money? Sometimes, a little, and probably less than you fearThe tobacco paradox - one of the best-performing sectors of the last fifty years, and what to do with that uncomfortable factYour values, mapped - the difference between a hard exclusion and a preference, and why getting it right shapes every fund decision that followsThe ESG ratings problem - why six major agencies rating the same company agree only slightly more than half the time, and what to use the scores for anywayGreenwashing, decoded - the specific language to watch for, the thresholds buried in fund small print, and the fifteen-minute test that catches most of itThe five-stage fund evaluation - a practical, repeatable process for assessing any ethical fundThe pension conversation - your biggest investment is almost certainly not your ISA, and almost certainly not invested the way you would chooseThe FCA's Sustainability Disclosure Requirements - what the new UK rules mean, what they fix, and what they don'tShareholder engagement - what your ownership entitles you to do, and what coordinated retail investor action has achievedThe grey areas - nuclear, defence, the transitioning oil major, and how to think about cases where intelligent people genuinely disagreeDoes any of it work? - the honest answer to whether individual ethical investment decisions change anything in the real worldThe simple-ethical tension - why pure index investing and pure ethical investing pull in different directionsStaying the course - the annual review, the underperformance years, and the discipline that separates investors who stick with the approach from those who quietly abandon itUnderstand what you own. Decide what you are and are not comfortable with. Choose a fund that is honest about what it does, at a fee proportionate to what it actually delivers. Hold it patiently.This book is how you do that, in the UK, without wading through marketing designed to make the choice harder than it needs to be.Start by finding out what your money is quietly doing while you are not looking. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.
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Paperback. Etat : new. Paperback. You have a pension. You are probably not sure exactly where all of it is, what it is worth, or whether it will be enough.This book is for you.Written by someone who spent twenty-five years inside the industry Stuart Welch spent a career at the heart of UK financial services. He has watched, from… the inside, how ordinary people engage with their pensions. Most don't. Not because they are irresponsible or financially illiterate, but because the industry that holds their money has spent decades making it feel impossible to understand. This book fixes that.What's insideFinding your lost pots - how to track down every pension you have ever accumulated, using the free government tools most people have never heard ofThe State Pension - what you will actually get, how to check your National Insurance record, and how to fill gaps cheaply before the window closesDefined benefit versus defined contribution - the crucial difference, why it matters, and the one mistake that cannot be undoneCharges - the number buried in your pension statement that is quietly costing you tens of thousands of pounds over a working lifeAre you on track - a simple framework for working out your target number and whether you are heading towards itConsolidation - when to bring your pensions together, when not to, and the guarantees you must check before you transfer anythingContributions - how much is actually enough, why the auto-enrolment default falls short, and how to close the gap without it feeling painfulInvestment - what your pension should actually be invested in, why the default fund may not be right for you, and how to fix it in an afternoonYou do not need a financial adviser on retainer. You do not need a complicated spreadsheet. You need a clear picture of what you have, a simple plan for building on it, and the confidence that comes from finally understanding it. You have been meaning to deal with this for years. Now you can. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.
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EUR 18,64
EUR 43,24 expéditionExpédition depuis Royaume-Uni vers Etats-UnisQuantité disponible : 1 disponible(s)
Paperback. Etat : new. Paperback. No one is coming to save you. But you don't need saving - you need a plan.Women are more likely to outlive their partners, more likely to take career breaks, and more likely to retire with significantly less money than men. This is not an accident. It is the result of a system that was not desig…ned with you in mind.This book was.A word about the authorStuart Welch is a man. He is also a Chartered Accountant who spent twenty-five years inside UK financial services - as Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing at Fidelity International. He watched, from the inside, how the financial services industry communicates with women. He watched what it got wrong, what it left out, and who it quietly failed. This book is the conversation it should have been having all along.What's insideWhere you are now - an honest, non-judgmental audit of your current financial situation. The starting point nobody talks about because it feels too embarrassingWhy saving isn't enough - the silent killer of women's wealth, and what to do insteadCompound interest explained properly - why starting small and early beats starting big and late, every single timeThe pay gap is real - so let's work with it - acknowledging the structural unfairness honestly, then moving straight to what you can actually doRisk isn't a dirty word - reframing risk, understanding your own tolerance, and ditching the patronising questionnairesThe basics of investing - stocks, funds, ISAs, index funds, explained clearly without jargonYour pension is not boring - it absolutely is, and we're going to talk about it anyway, because the numbers are genuinely alarmingInvesting through life's interruptions - career breaks, divorce, bereavement, children. How to keep building wealth through the moments that derail women financially more than menThe emotional game - why we sabotage ourselves, panic sell, and wait for permission we were never going to be givenWhen to get professional help - what a financial adviser actually does, and when you need one versus when you really don'tYour plan - a simple, personalised action plan. You finish this book with something concrete, not just inspirationYou don't need to have your finances perfectly in order before you're allowed to begin. You don't need a partner, a financial degree, or a large lump sum. You just need to start.The wealth gap between women who invest and women who don't is not inevitable. It is a choice - and it compounds, in both directions, every single year.The conversation we were never supposed to have starts here. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.
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Vendeur : CitiRetail, Stevenage, Royaume-UniCitiRetail
Contacter le vendeurVendeur avec une évaluation de 5 étoilesEtat: Neuf
EUR 18,64
EUR 43,24 expéditionExpédition depuis Royaume-Uni vers Etats-UnisQuantité disponible : 1 disponible(s)
Paperback. Etat : new. Paperback. You have one financial advantage nobody else has. Don't waste it.Time. That's it. That's the whole secret. Not income, not inheritance, not a degree in economics. Just time - and the decision to use it.The numbers are stark. Invest a modest amount each month from your mid-twenties and you could…have over half a million pounds by retirement. Start the same habit ten years later and that figure roughly halves. The difference isn't discipline, luck, or knowing the right people. It's a decade - and that decade is right now.Written by someone who ran the UK investment industry - and wishes this book had existed at the start of his careerStuart Welch spent twenty-five years at the heart of UK financial services - as Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing at Fidelity International. This is the book he wishes had existed when he was starting out - written for the reader who has better things to do than become a financial expert, but who understands that the decisions made in their twenties will shape everything that follows.What's insideHow compound interest actually works - with numbers specific enough to make you actThe accounts available to you - workplace pension, Stocks and Shares ISA, Lifetime ISA, SIPP. What each one does and which to prioritiseWhat to invest in - stocks, bonds, index funds and ETFs explained without jargonThe behaviours that make or break investors - and how to automate your way past all of themInvesting with student debt - whether it makes sense, and how to think about it clearlyLow or irregular income - why you don't need to earn more before you can startBig life events and your investments - how to keep building through the moments that throw everything offYour first investment portfolio - what to build, how to set it up, and what to do once it's runningStaying the course - the psychology of markets, why investors panic, and how not to be one of themStarting a decade earlier roughly doubles the outcome. You don't need to earn a lot. You don't need to find it interesting. You just need to start - and this book will show you exactly how.The decisions you make in your twenties will shape everything that follows.This book makes those decisions straightforward. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.
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Vendeur : CitiRetail, Stevenage, Royaume-UniCitiRetail
Contacter le vendeurVendeur avec une évaluation de 5 étoilesEtat: Neuf
EUR 18,64
EUR 43,24 expéditionExpédition depuis Royaume-Uni vers Etats-UnisQuantité disponible : 1 disponible(s)
Paperback. Etat : new. Paperback. Nobody is coming to sort this out for you. But you already knew that.The moment you went self-employed, an enormous amount of financial infrastructure stopped working on your behalf. The tax, the pension contributions, the sick pay, the safety net. All of it stopped. And nobody handed you a manu…al.There are around five million self-employed people in the UK. The vast majority are managing their finances somewhere between mild improvisation and structured chaos. Not because they're bad with money. Because nobody has ever given them a clear, honest account of what working for yourself actually means financially.This book is that account.Written by someone who spent twenty-five years inside the industryStuart Welch's career took him from Chartered Accountant to Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing and Advice at Fidelity International. He knows exactly how the financial system treats the self-employed - and how consistently it fails to explain itself.What's insideWhy your financial life is genuinely different - not worse, but different. Understanding the gap is the prerequisite for everything elseThe tax you owe and when you owe it - self-assessment, payment on account, and how to make January boring rather than terrifyingSole trader or limited company - what the difference actually means for your moneyYour emergency fund, protection, and financial foundations - the unglamorous work that makes everything else possibleThe pension gap - what you lost the day you stopped being employed, and how far behind you probably areThe SIPP - your primary pension vehicle, and the one mistake that quietly destroys years of savingThe limited company pension advantage - the employer contribution mechanism most directors know about vaguely and almost none are using properly. This chapter alone is worth the cover priceContributing when your income varies - a practical framework that works with irregular earnings rather than against themThe ISA and your business surplus - the second most important account, and what to do with the money sitting in the company account doing nothingPlanning the wind-down - the self-employed retirement is gradual, not a cliff edge. How to plan for the version that actually happensSelling the business, avoiding scams, and finding the right professional helpThe self-employed financial life has more moving parts than the employed one. But the moving parts are understandable, the decisions are manageable, and the advantages - once you can see them clearly - are real and significant.Start now. The gap is smaller than you think. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.
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Vendeur : CitiRetail, Stevenage, Royaume-UniCitiRetail
Contacter le vendeurVendeur avec une évaluation de 5 étoilesEtat: Neuf
EUR 19,85
EUR 43,24 expéditionExpédition depuis Royaume-Uni vers Etats-UnisQuantité disponible : 1 disponible(s)
Paperback. Etat : new. Paperback. You know you should be investing. You've known for a while, actually. Maybe a few years. You've half-listened to conversations about ISAs and index funds and thought yes, I really must look into that. And then you haven't. This book is for you. Written by someone who ran some of the businesses U…K investors useStuart Welch spent twenty-five years at the heart of UK financial services - as Chief Executive of NatWest Stockbrokers, CEO of TD Direct Investing, and Global Head of Personal Investing at Fidelity International. He has seen, from the inside, exactly how the investment industry works - and exactly how it talks to ordinary people. Too often, that conversation is more complicated than it needs to be. This book is his attempt to fix that. What's insideWhy you haven't started yet - the real reasons intelligent people delay, named plainly and dismantled one by oneWhat investing actually is - and why leaving your money in a savings account is quietly costing you more than you thinkISAs explained clearly - the single best starting point for UK investors, with a step-by-step guide to choosing a platform and opening an accountThe truth about risk - why markets will fall, why that's fine, and why the investors who stay calm are the ones who come out aheadCompound growth - why starting with 25 a month today beats waiting until you have moreHow the industry really works - a frank look from the inside at why investing feels complicated, and who benefits from thatInvesting for the next generation - how to give children or grandchildren a financial head startYour pension and your ISA - how the two fit together and what to checkThree steps that make you an investor - by the end of this book, you won't just understand investing. You'll be doing it.You don't need thousands of pounds. You don't need a financial degree. You need a small amount a month and less than an hour. Every year you wait is a year of growth you'll never get back. The door was never locked. It was just a bit stiff, and nobody bothered to oil it. This book will oil it. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.
