Published by How To Books Ltd,
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Begbroke, Oxford OX5 1RX. United Kingdom.
Tel: (01865) 375794. Fax: (01865) 379162.
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© 2012 Cathy Birch

First edition 1998
Second edition 2001
Reprinted 2002
Third edition 2005
Fourth edition 2009
Fifth edition 2012

ISBN: 978 1 84528 472 5

British Library Cataloguing in Publication Data
A catalogue record for this book is available from the British Library

Produced for How To Books by Deer Park Productions, Tavistock
Typeset by PDQ Typesetting, Newcastle-under-Lyme, Staffs.
Printed and bound in Great Britain by Bell & Bain Ltd, Glasgow

NOTE: The material contained in this book is set out in good faith for general guidance and no liability can be accepted for loss or expense incurred as a result of relying in particular circumstances on statements made in the book. The laws and regulations are complex and liable to change, and readers should check the current position with the relevant authorities before making personal arrangements.