'A must for anyone faced with a self-assessment form'.

Start Your Business Magazine

The Financial Times Guide to Personal Tax is the definitive and most-up-to-date guide to completing your self-assessment tax return, making sure that you get it right and on time, and showing you how you can save tax.

This annually updated guide is the only one to include the latest information from the Mach 2010 budget, to detail the outcome of the May 2010 General Election and identify the key tax strategies from the Coalition Conservative Liberal Democrat Government, as well as providing free updates for the June 2010 Emergency Budget and subsequent tax changes in 2010-11.

The Financial Times Guide to Personal Tax, 2010-11 will:

Help you save money, with over 230 tax saving tips Explain the rules for income tax, capital gains tax, inheritance tax and national insurance Show you how to pay as little tax as legally possibleAdvise on how you can cut your tax bill for this year, last year, and even more distant yearsIdentify how proposed tax changes will affect future tax returns Guide you through the submission of paper and online tax returnsProvide you with free updates throughout the tax year at www.pearson-books.com/FTtaxguide

About the authors

Sara Williams is a former investment analyst and financial journalist. She has contributed many articles on tax and finance for national newspaper and for a number of years wrote for Which?, including the Which? Tax-Saving Guide and the Which? Book of Tax. She is also the author of The Financial Times Guide to Business Start Up. She is now the CEO of AIM-listed Vitesse Media, an online, events and print media business. Its titles include What Investment, Business XL, Growth Company Investor, Information Age, M&A, The AIM Guide, SmallBusiness.co.uk and GrowthBusiness.co.uk. She is a qualified investment manager and adviser.

Jonquil Lowe started out as an economist and worked for several years in the City as an investment analyst. She is a former head of the Money Group at Which?, a past editor of the Which? Tax-Saving Guide and was for many years a regular contributor to Which? Way to Save Tax. Jonquil now divides her time between being a Lecturer in Personal Finance at The Open University and working as a freelance researcher and journalist. She holds the Diploma in Financial Planning and writes extensively for a diverse range of clients including Which?, the Financial Services Authority and LexisNexis Butterworths. Jonquil is author of over 20 books, including Be Your Own Financial Advisor, published by FT Prentice Hall, Giving and Inheriting, The Pension Handbook, Money in Retirement and Save and Invest, all from Which? Books, and The Personal Finance Handbook, published by the Child Poverty Action Group.


Many people stumble through their financial life reacting to events and advice in an ad hoc way. As a result, few choose the most suitable financial products, some fall prey to misselling and many never realise their financial goals.

Are you one of them?

Be Your Own Financial Adviser shows you how to make sensible financial decisions without the need for expensive advice. Its accessible style, examples and case studies explain and evaluate financial products and put you firmly in control of your own financial well-being. It will advise on how to adopt the best saving, spending and investment strategies, make decisions tax-efficiently, manage risk wisely and protect and enhance your wealth. It also suggests when professional help is a good idea, and shows you how to protect yourself against misselling and get the best out of your adviser.

Be Your Own Financial Adviser will show you how to:

Stress-test your financial decisionsTake advantage of legal tax breaksAchieve your financial goalsManage and preserve your wealth

Accessing financial products and services is not difficult - there is no shortage of commercials, advertisements, direct mail, email and marketing calls to entice you to take out loans, buy insurance and invest your money. But choosing which products are right for you can be a hit and miss approach.

Good financial planning requires a systematic strategy. You should start by assessing your own particular circumstances, attitudes and timescales and then work out how you can implement your strategy on a long term basis.

Let Be Your Own Financial Adviser be your guide to making better financial decisions.

It includes advice on the following:

Financial planning

Do you need an adviser?

Protecting your income

Providing for your family

Health and care

Somewhere to live

Building a pension

Retirement choices

Saving and investing

Managing your wealth

Passing it on


The Financial Times Guide to Personal Tax is the definitive and most up-to-date guide to completing your self assessment tax return, making sure that you get it right and on time, and showing how you can save tax.

This annually updated guide includes the latest information from the March 2011 Budget and explains how the changed rules for income tax, national insurance and tax credits will affect you. Divided into two parts, the first section of the guide shows you how to plan your affairs and minimise your tax bills, whilst the second takes you step-by-step through completing your tax return, whether paper or online.