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SAVVY LIFE - Real Life Education - Part 2

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This part of the LIFE ACUMEN course teaches you what companies are and how they work to make profit, the difference between net and gross profit and what expenses are, types of fraud including fake websites and social media, hackers and protecting personal data, what caveats and disclaimers are when buying goods/services, product branding, how adverts and marketing work, retail shelf presence, consumerism, faulty goods, distance selling, what your consumer rights are and the governing legislation, all you need to know about tax and the types there are, how to buy or rent property and the pitfalls and processes, debt, credit cards, credit history, simple interest versus compound interest, APR, APY, AER, mortgage types and how to pay them off early, income tax, VAT, inheritance tax, capital gains tax, financial savviness and much more. 155 slides in this information packed part of the course.

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February 4, 2025
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2024/2025
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Andy Sunderland MPhil BSc (Hons)

www.savvylife.co.uk

, Hi, my name’s Andy, and I was born and raised in Manchester, England. Between the ag
I worked as a general labourer, shop assistant, petrol pump attendant and factory lin
Some jobs I enjoyed and some I hated, but I loved earning money.

After failing my A-levels I went to college, then University, where I gained a BSc (H
after which I gained a Master of Philosophy (MPhil) degree. I’m named on 9 scientific
named as an inventor on 3 patents and have presented at multiple scientific confe

I’ve also worked as a barman, hamper packer, car washer, steel fabricator, fan tester, tile layer, furnit
car salesman, data input clerk, exam invigilator, formulation scientist, European chemicals regulator, quali
global pharmaceutical regulator, auditor, assistant quality manager, regulatory, legal, compliance and mar
manager, and finally a business owner.

My life experiences have seen me work for myself, family, national, multi-national and global organisation
of my career in the fast-moving consumer goods (FMCG) sector. My roles covered formulating, retail, a
manufacturing, engineering, construction, chemicals, fabrication, education, pharmaceuticals, legal, qual
reprographics, compliance, admin, sales, marketing, regulatory & auditing. I’ve been trained in personal e
time & priority management, presenting, influencing, negotiating, accounting, business management, re
marketing, legal and product compliance, and have also studied copyright, design, patent, trademark, co
English law, as well as gaining qualifications in welding, diving, canoeing, French and teaching.

When I learned that to do well in life you need to understand how the systems of the real-world work, I
set up SAVVY LIFE and created this easy to understand ‘LIFE ACUMEN’ course, designed to te
'REAL LIFE EDUCATION’ to people who wish to make ‘SAVVY LIFE DECISIONS’.


www.savvylife.co.uk

, PART 2

COMPANIES
FRAUD
CAVEATS & DISCLAIMERS
CONSUMER RIGHTS
TAX
PROPERTY
MORTGAGES

, COMPANIES
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SAVVY LIFE - Real Life Education

SAVVY LIFE teaches \'Real Life Education\', by bridging the knowledge gap between what schools teach and what real life demands. We provide in-depth summaries aimed at helping you understand how the real world works, so you can make better informed life decisions.

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