What are the best tax-free investments? What insurance is essential?. These and many other key questions are answered clearly and in non-technical style. Understanding how to make the most of your money and avoid financial disaster is easy - but you would never think so from the complexities described by experts. In this book personal finance is demystified through a simple question-and-answer guide. It explains what you need to do and when, how to avoid financial disaster, and how to maximize the return on your savings. By following the answers to these questions, this book should help you to improve your financial position.