Acknowledgements

This book has been a number of years in the making and there are a number of people that I would like to thank for their patience and assistance.

As a starting point I would like to thank Joy Aimée and her team at A&A Book Publishing for their assistance in bringing the book to fruition. Joy assisted in making a very daunting process for a first time author seem relatively straightforward.

To those that provided feedback on the individual chapters your input and feedback was very helpful. I would particularly like to thank Brad Miller for his patience in re-checking my calculations for accuracy, Jason Reeves and Nick Bedding for their enthusiastic support of the project, and Dr Claire Hiller for editing and reading my many drafts that have finally led to this book. Claire's patience, guidance, and encouragement was greatly appreciated. I would also like to thank Goce Stojanoski and Danielle Brown for kindly assisting with the editing of this revised edition.

Finally I would like to thank my wife Shirl and our three children, Alexandra, Harriet and Nicholas for their support and understanding during the whole process.

I hope you enjoy the book and learn something that will enable you to improve your financial position.