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Fear and Loathing in My Bank Account

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Fear and Loathing in My Bank Account

By: Sean Coughlan

Normal price: 6.99
Our price: 5.94 + postage
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Product code: 14812
ISBN: 0749437375
173 pages
Format: Pb
Published by: Kogan Page, 2002, 1st edition

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Fear and Loathing in My Bank Account - front page cover image

Description of Fear and Loathing in My Bank Account

Are you the type of person who would spend more time choosing a pair of shoes than a mortgage? Do you think life is too short for small print, but are still worried about getting ripped off - and the credit cards are putting on weight again?

If that sounds familiar, then this book could help, providing a starting point for anyone seeking to find out more about the basics of money.

It isn't a training manual for frustrated accountants or for anyone who wants to chat about unit trusts at parties. But it could help you make decisions when you're considering everyday stuff such as:

- Credit cards
- Personal loans
- Mortgages
- Pensions
- Debt
- Savings
- Investments
- Children's savings
- Financial advisers
- Insurance
- and of course complaining to banks

Fear and Loathing in My Bank Account is an unconventional and informative look at money from Guardian columnist Sean Coughlan. The author has confessed to an undistinguished record as 'Overdraft Man', so this is a realistic financial recovery plan rather than a know-all guide. It takes a practical look at cash, with tips on borrowing and saving and case studies, as well as statistics to dazzle your friends.

Armed with all this and a useful list of contact addresses, you'll be able to hack your way through the money jungle.

Fear and Loathing in My Bank Account - Chapter headings

Introduction

1. Getting a grip
- You could save money right now
- How much would you need never to work again?
- Modern money: bank rage

2. Credit cards - will you be my best friend?
- Getting a good deal on credit cards
- Credit references: are you worthy?
- How do credit cards compare to other borrowing?
- Store cards
- Debit cards
- Gold, platinum and loser cards
- Card fraud
- Donation and supporter cards
- What's on the cards for cards?
- The psychology of credit card debt
- Modern money: credit card junkie

3. Mortgage hunting - the loan rangers
- You are the customer
- Follow the money
- What are the main types of mortgage on offer?
- How much can you borrow?
- What happens if you can't keep up repayments?
- History lesson: how interest rates can change
- Information on the Internet
- What questions should you ask?
- Modern money: sandwiches and interest rates

4. Savings - think of it as reverse borrowing
- Types of saving
- Deposit and savings accounts
- Internet banks
- National Savings
- Children's accounts
- Individual savings accounts (ISAs)
- Online trading
- Ethical finance
- Clear your debts before saving?
- Modern money: savings? Maybe next year

5. Pensions - when will I see you again?
- Pensions are complicated and depressing
- Maybe pensions shouldn't be called pensions
- Company pensions
- Annuities
- Topping-up
- Group personal pensions
- Personal pensions
- Stakeholders
- Pensions by other means
- Modern money: I know I'm probably heading for the workhouse, but

6. Borrowing - neither a borrower nor a lender be. Yeah, right
- What has all this got to do with borrowing?
- Know the enemy: what to look out for in a loan
- How do different types of borrowing compare?
- How do these loans work?
- Credit checking
- Modern money: why do you need money?

7. Insurance - the seven ages of man
- Motor insurance: mirror, signal, oh bugger
- Contents insurance
- Buildings insurance
- Travel
- Private health insurance
- Life insurance
- Endowments
- Payment protection
- Insurance wind-ups
- Modern money: 'It's like there's good insurance and junk insurance'

8. Debt problems - till debt us do part
- How do we get into debt?
- What can you do if you're in debt?
- Consolidating debts
- Don't feed the sharks
- Debt warning signs
- Modern money: the debt adviser, Sue Edwards, Citizens Advice Bureaux

9. Online banking - taking CTRL of your money
- Internet banks
- Online accounts
- Online share dealing
- Online window shopping
- Security
- Is it just the Bank of Bloke?
- Modern money: I can't remember what it was like before

10. Excuse me, I'd like to ask you a question

Conclusion
Index

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