Acknowledgements

I would like to thank Dan Clayden, director of Clayden Associates – Independent Financial Advisers (www.claydenassociates.co.uk) who was so kind as to go through a draft of this book in the early stages and put me right on a few things and is one of the best financial advisers I have ever met professionally.

I would also like to dedicate this book to my delightful father-in-law who manages his money in a kind, generous, honest and moral way and still manages to make it work for him efficiently and expertly. He is an example to all of us. He is a Rules Player par excellence.