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Daily MailAP EXPLAINS: What is bitcoin? A look at the digital currencyDaily MailNEW YORK (AP) — Bitcoin is a type of digital currency that allows people to buy goods and services and exchange money without involving banks, credit card issuers or other third parties. Its origins have long been a mystery — though an Australian man ...and more »
Marcher banking malware hitting AustraliaSC Magazine UKMarcher Madness continues with a new, stealthier iteration of the Marcher banking malware targeting Android users in Australia. In a new post, Oren Koriat, a mobile information security analyst at Check Point, details the process of an attack from the ...
The GuardianWorkers fight for dignity in Trump's Las Vegas hotel: 'You don't talk to the boss'The GuardianThe National Labor Relations Board has certified a union for hotel staff, but management looks likely to appeal the decision. Meanwhile, staffers reflect on their struggles to get by: 'For Mr Trump, we're just a number' ...and more »
BBC NewsMeasures unveiled to help service staff keep tipsBBC NewsMeasures to help staff keep more of their tips and make it clearer to customers that they are optional have been proposed by the government. It follows claims that some restaurant chains were regularly holding back some or all of the tips meant for staff.Why your tip is more likely to make it to serving staff in the futureAOL UKall 9 news articles »
AOL UKWhy your tip is more likely to make it to serving staff in the futureAOL UK"The problem has always been that tips paid on a credit card and service charges are deemed the property of the employer. As they own them they can do what they like with them. Until staff are recognised as the lawful owners of their hard-earned tips ...and more »
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Getting financial advice

It’s time to review your finances and make sure your money is working as hard for you as it possibly can. Somewhere out there are the right financial products for you but unless you have the mind of a forensic detective and understand the complexities of everything from insurance and pensions to hedge funds and derivatives get sound financial advice.

If you don’t already have someone in mind as an adviser one of the best ways to find someone good is to ask family, friends or colleagues for recommendations. You want someone who’s independent so that he or she can give you impartial advice about the whole range of products on offer. If you choose an adviser who isn’t independent they can only advise you on the products they work with. Some advisers specialise; if you want advice on pensions you might want and adviser who is a pensions specialist. Ask about the qualifications of anyone you are thinking of seeing.

The other question you have to ask is about how you pay for the service. You may choose an adviser to whom you pay fees upfront. Fees vary hugely so find out before you book your appointment. Try haggling to get the fees reduced if possible and ask for the first session to be free so that you get the chance to decide whether or not you have a rapport. The other option is an adviser who gets his or her fees through commission which you ultimately pay for because it’s added to the cost of the product you buy. Or you may pay for advice through a combination of the two.

Whoever you choose it’s helpful if you can build a lasting and trusting relationship which will make you both money for years to come. Remember that a financial plan made now needs to be reviewed frequently. What’s right for you in the current climate may not be right once the economy picks up again or if your circumstances change. The degree of risk you’re prepared to take with your savings and investments may be different when you’re single from when you’ve got a partner and children. Getting the right adviser is just the start of the process. 

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