The Money Code

A Beginners' Guide to Financial Security

by Harold Baldwin

You don't have to be a financial wizard to win the modern money game
Fundamentals
  • Attitude
  • Opportunity knocks once
  • Realise there is no such thing as a safe investment
  • Learn to limit your losses
  • Appreciate the time value of money
  • Pay yourself first
  • Cash is King
  • Stay flexible
  • Take cover against disasters
  • The rich rule over the poor and the borrower is the servant to the lender
  • Action
How to manage your bank and building society
  • Look after your own interest
  • Unauthorised overdraft
  • Do a regular bank check
  • Direct debit discounts
  • Joint accounts can cause joint friction
  • The missing millions
  • Guaranteed trouble
  • How secret are your affairs?
  • On the fringe means on the tracks
  • Free transfer
How to play your cards right
  • Be a Card Master
  • Pay off the Balance
  • Keep Control
  • Protection
  • Avoid the End of the Month Shock
  • Take advantage of the Credit Card War
  • Be a Card Sharp
  • Safety Points
  • Using your card abroad
How to be more sure for less
  • Insurance for Protection, not as an Investment
  • Shop Around for Insurance
  • Honesty Pays
  • How to Make a Successful Claim
  • Check the Insurance Rate on a Car before you buy it
  • Happy Holidays
  • Happy Holidays
  • Remember the Fundamentals
Shopping tactics: Be a WiseBuy.
  • Be a Bargain Marvin
  • Pay Money in Advance only if you are Sure of the Company
  • Don't Pay through the Nose for Extended Warranties
  • Be a Cautious Seller
  • And a Cautious Buyer
Know exactly what you are buying
  • Unit Trusts and Open Ended Mutual Funds
  • Investment Trusts and Close Ended Mutual Funds
  • Unit Trust versus Investment Trust
  • How to Choose a Trust
  • Shares
  • Gilts
How to be a risk manager 
  • It's the money you make after Inflation that counts
  • They call it inflation
Calculate your risk v rewards factor
  • Age. Income. Risk personality.
  • Diversify. Preserve liquidity. Think long-term.
Plus nine more useful chapters...
Simple market strategies  Catches, catchwords and absolute cons
How to make your life less taxing  How to test your financial adviser
Prepare for the Golden Years - They come sooner than you think The Ten Commandments
How to borrow without sorrow The Borrower's Bible
Balanced living at home AAA Investment Guide