Money and Work (ISBN 978 1904905 48 6)
Contents
Foreword by Cherie Booth, QC
PART ONE: MONEY
1 Handling money
1.1 Current accounts
1.2 Deposit accounts
1.3 Loans and credit
1.4 Scams
2 Savings and Investment
2.1 Why save?
2.2 Now or later?
2.3 Savings objectives
2.4 Lump sum investment
2.5 Asset classes
2.6 Cash deposit
2.7 Fixed interest securities
2.8 Equities
2.9 Property
2.10 Risk and reward
2.11 Acceptance of risk
2.12 Past, present and future
2.13 Reviewing your portfolio
2.14 Borrowing
2.15 Tax efficiency
2.16 Do I need advice?
3 Investment products
3.1 Introduction
3.2 Deposits
3.3 National Savings and Investments
3.4 Individual Savings Accounts
3.5 Unit trusts and collective funds
3.6 Savings
3.7 Life insurance policies
3.8 Pension arrangements
4 Insurance products
4.1 Personal insurances
4.2 Life insurance
4.3 Other personal insurances
4.4 Property insurance
5 Buying a home
5.1 Introduction
5.2 Property ownership
5.3 The process
5.4 Costs involved
5.5 Mortgages
5.6 Protection alongside a mortgage
6 Other money matters
6.1 Effect of change
6.2 Coming into money
6.3 Internet auction sites
6.4 Charitable giving
6.5 Employment benefits
6.6 State benefits
6.7 Do I need a will?
7 Tax
7.1 Income Tax
7.2 Other Forms of Tax
7.3 National Insurance Contributions
7.4 Personal Service Companies
7.5 Taxation of termination payments
7.6 Tax forms and tax codes
8 Pensions
8.1 What is a pension scheme?
8.2 Defined contribution pension schemes
8.3 Defined benefit pension schemes
8.4 Early and late retirement
8.5 Death Benefits
8.6 Member Nominated Trustees
8.7 Tax advantages of pension schemes
8.8 Discrimination and pension schemes
8.9 Stakeholder Pension Schemes
8.10 How do I join a pension scheme?
8.11 What happens if I change jobs or want to leave a
pension scheme for some other reason?
8.12 Pensions and Divorce
8.13 Can my pension rights be taken away from
me?
8.14 Can my occupational pension scheme be
changed?
8.15 What if my pension scheme “fails”?
8.16 What if I have a complaint?
8.17 The Pensions Tracing Service
8.18 Who is the Pensions Regulator?
8.19 The State Pension Scheme
8.20 The Future
PART TWO: WORK
9 Jobs
9.1 The job life-cycle
9.2 Contractual Issues
9.3 The tests
9.4 Employment Status Checklist
10 Rights and obligations at work
10.1 Employment Contract
10.2 Employees’ obligations
10.3 Employers’ obligations
10.4 Minimum wage
11 Discrimination & harassment at work
11.1 Gender and Race Discrimination
11.2 Direct discrimination
11.3 Bullying
11.4 Disability Discrimination
11.5 Sexual Orientation; Religion or Belief
11.6 Age
11.7 Defences to Discrimination Claims
11.8 Remedies – what can I get?
12 Family rights
12.1 Maternity rights
12.2 Maternity Rights Checklist:
12.3 Paternity leave
12.4 Parental leave
12.5 Flexible Working
13 Pay discrimination?
13.1 What is equal pay?
13.2 Bringing an Equal Pay claim
13.3 Like work
13.4 Putting right the wrong? - remedies for equal
pay
14 Dismissal and Redundancy
14.1 Distinguishing wrongful and unfair dismissals
14.2 Resignation
14.3 Wrongful dismissal
14.4 Unfairly dismissed?
14.5 Redundancy
15 Unions
15.1 Trade union rights
15.2 Collective agreements
15.3 Trade union recognition
15.4 Consultation at work
15.5 Industrial Action
16 Employment Tribunals
16.1 Employment Tribunals
16.2 Employment Appeals
17 Human rights
17.1 The European Convention on Human Rights
17.2 Incorporation of the European Convention on
Human Rights into UK law
17.3 Key provisions of the Human Rights
Act
17.4 Most commonly encountered articles in the
workplace
17.5 Remedies
