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Giving & Inheriting (Which Essential Guides) [Paperback]

Jonquil Lowe
4.2 out of 5 stars  See all reviews (24 customer reviews)

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Book Description

28 April 2011 Which Essential Guides
Inheritance Tax (IHT) worries many people, who fear their heirs could be faced with a large tax bill, and are confused by complex schemes sold to avoid this. But help is at hand: Giving & Inheriting is a user-friendly guide to estate planning and tax liability. This indispensable book will help you reduce the tax bill faced by your heirs and allow many to avoid IHT altogether ensuring your gifts go to those you choose and not to HMRC.

Find out what you need to know about tax-free gifts and ways of reducing tax when you die, as well as the taxes on lifetime gifts and what you can do about them. Giving & Inheriting also looks at how trusts let you control how your gifts are used, explains gifts to children and charities, and highlights the tax pitfalls to consider if you are giving your home. There is also advice for those receiving an inheritance. Whatever your circumstances, this guide will help you plan tax-efficient ways to pass on money, property and valuables.

Product details

  • Paperback: 224 pages
  • Publisher: Which? Books; New edition edition (28 April 2011)
  • Language: English
  • ISBN-10: 1844901181
  • ISBN-13: 978-1844901180
  • Product Dimensions: 15.7 x 23.4 cm
  • Average Customer Review: 4.2 out of 5 stars  See all reviews (24 customer reviews)
  • Amazon Bestsellers Rank: 50,367 in Books (See Top 100 in Books)
  • See Complete Table of Contents

Product Description


'A comprehensive guide for those in generous mood' -- Pensions World

'A good starter kit for potential donors ... clear, sensible ...
and helpful.' -- Money Observer

'Could be the wisest investment you will ever make' --Irish News

About the Author

Jonquil Lowe is an economist who worked for several years in the City as an investment analyst, and is a former head of the Money Group at the Consumers' Association. She now works as a freelance financial researcher and journalist and holds the Diploma in Financial Planning (formerly called the Advanced Financial Planning Certificate). Jonquil writes extensively on all areas of personal finance and is the author of several other books, including Pensions Explained, Finance Your Retirement and Save and Invest.

Inside This Book (Learn More)
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Front Cover | Copyright | Table of Contents | Excerpt | Index | Back Cover
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Customer Reviews

Most Helpful Customer Reviews
22 of 22 people found the following review helpful
4.0 out of 5 stars An essential read 1 May 2007
A friend bought this book for me after my father went into a care home and we decided that we didn't want the family money to go to the taxman. I found this book very useful, especially the chapters on capital gains and property. The author writes very clearly and there are lots of boxes and charts and checklists so the daunting subject of inheritance is made very simple indeed.

Overall I would recommend this book to anyone trying to sort out their finances in later life.
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5 of 5 people found the following review helpful
By b4-its-2-l8 TOP 1000 REVIEWER
Format:Paperback|Vine Customer Review of Free Product (What's this?)
This is a well presented book and it's broken down into 11 clearly outlined and labelled chapters, making it easy to search for pertinent information and navigate from one tax area to another. So, for anyone not totally clued-up on personal taxation (of whom I think there must be many) I think this would be a very good place to start.

Nonetheless, I found this book still suffers from a dryness in its delivery which I suppose is understandable due to its very dry subject matter as I don't think it is written in a form that's as accessible as some other reviewers have stated. This criticism applies especially to the aspects where calculations are used as the book assumes the reader has already gained a sufficient proficiency in figure-work; being able to gross sums up or dealing with percentages, as I found I had to read some of these paragraphs a few times before I felt I understood what was being said.

That said, and I know the above sounds more negative than I intended, but I believe everyone should give this book a read-through at least once, not only will it provide far more information than you think you need to know, it may do as it's done for me and act as a stimulus to contact a financial advisor (I believe I'm now at least primed and I'll actually understand what the advisor says). After all, you never know when your last day is going to be and if you've not made plans your loved ones could be left battling the HMRC over tax on your estate, and who would want that?
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5 of 5 people found the following review helpful
3.0 out of 5 stars Good basic advice 6 Sep 2012
Format:Paperback|Vine Customer Review of Free Product (What's this?)
Everything you would expect from Which. Sensible, straightforward and worthy.

Answered some of the basic questions clearly and concisely.

I only gave it three stars as:

1. It is slightly on the Janet and John side of things.
2. There is a lot of advising that you should get specialist advice.

Would have had four stars if they had taken things a step further when doing the 'specialist advice' if it had said and here are a check list of things to ask/consider when talking to the specialist adviser.
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3 of 3 people found the following review helpful
5.0 out of 5 stars Inheritance Tax Guide Book 22 Sep 2012
By Stueeh Warburton VINE VOICE
Format:Paperback|Vine Customer Review of Free Product (What's this?)
I am one of those people who avoids looking at inheritance tax and the related laws because they are convoluted. After reading the "which?" guide on "giving and inheriting" I realise that I was right -but there is a big "but". The "which?" guide is well laid out and full of practical WORKED examples.
How you can reduce the chances of Inheritance Tax (IHT)by giving away gifts- to both relatives or bodies such as the National Trust.
That there is an IHT threshold -325K - which can be reached quicker in the south of England where average house prices can exceed this IHT threshold (e.g. London average price is nearly 600K) - this is before you look at other assets that you may have like savings or that expensive painting on the wall.
The book describes how you can gift year on year and in some cases, how nobody is affected as long as you don't pop your clogs in less than 7 years! Giving cash rather than other assets.
The other area that this guidebook covers is Capital Gains Tax (CGT)-giving someone a gift to reduce the chances of CGT. How you can gift wedding cash upto 5K -without IHT to be paid.
How you can also use trusts to take money out of your estate -and still have strings attached -for example, when a beneficiary reaches a certain age before they can get their hands on the wad. Also if you inherit some assets which have a millstone of IHT and/or CGT then you can pass on this problem to someone else.
What methods you can use with regard to children in terms of ISA's or National Savings. Also how you can sign up to Gift Aid to let a charity etc recoup the tax -as long as you pay tax.
Read more ›
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2 of 2 people found the following review helpful
5.0 out of 5 stars Something for Everyone 17 Jun 2013
By The Dunelmian VINE VOICE
Format:Paperback|Vine Customer Review of Free Product (What's this?)
As an accountant giving tax advice, I was interested to see how this latest Which guide shaped up.

Inheritance Tax is a slippery little sucker, as it brings into play all sorts of other tax considerations, including income tax, capital gains tax and stamp duty as well as areas not traditionally dealt with by accountants such as state benefits.

I found this book gives an easily understood summary of the key facts.

Sometimes it repeats them when relevant to a particular issue, and this has to be applauded. It is how discussions with clients nearly always pan out.

Also, they aren't just pitching this at the wealthy. Now that the IHT threshold has been frozen for a while, many households, and grandparents in particular, need to review their financial circumstances on a regular basis.

Whether you want to use this book to make some plans of your own, or you are an daviser wanting an easy reference text, this is well worth considering before some of the more academically written guides.
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Most Recent Customer Reviews
4.0 out of 5 stars Informative
These books were informative as I was in the process of sorting out my affairs. Have used the information to help friends do the same and recommended them to read the books.
Published 1 month ago by Colin Riley
5.0 out of 5 stars Prompt Delivery
Received next day, book in good condition. Was very impressed with this service and will use again in near future
Published 4 months ago by Linda Overy
5.0 out of 5 stars I got me through the RDR needs with flying colours !
A very useful reference book beyond the industry qualification needs. This is very helpful to flick through when preparing meetings with relevant clients
Published 12 months ago by Mr Benn
2.0 out of 5 stars A waste of money
Coverage of the relevant areas of law seems to be incomplete, and most of the information in this book can be gleaned from the Internet. Read more
Published 13 months ago by Garrold
5.0 out of 5 stars book
Well written book which is easily understood. Explains everything I wanted to know and I would recommend it to anyone.
Published 16 months ago by gordondino
5.0 out of 5 stars A very comprehensive volume.
Covers the subject in sufficient depth that the whole subject can be addressed in a logical and comprehensive way. Very well written and as with Which? Read more
Published 16 months ago by Jethro
2.0 out of 5 stars Mistakes in this book
I consider this book to be weak on the subject of inheritance tax, mainly because I do not believe the section on taper relief on gifts made within 7 years of death is accurate. Read more
Published 17 months ago by Sunshine
4.0 out of 5 stars Good reference book
Clarifies what is acceptable and what is not - cuts through the 'solicitor talk' and offers alternative strategies for dealing with inheritance and capital gains tax.
Published 17 months ago by R. Morris
4.0 out of 5 stars Giving and Inheriting
The laws on inheritance are always changing and this book by Which was printed in 2011, so presumably it is already a little out of date. Read more
Published 20 months ago by Amazon Customer
4.0 out of 5 stars Great for the basics but not quite enough
I highly rate all "Which" publications and this book is accurate and does cover the basics.

However I took off 1 star because I do not feel that ths book includes... Read more
Published 22 months ago by I. Clarke
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