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Belfast LiveStephen Nolan claims his credit cards are being hacked live on airBelfast LiveHe added: "In case you have been thinking I've been a bit distracted over the last few minutes, I always keep my phone on during the show and I have just received messages from my credit cards saying I'm currently spending money in three hotels in ...WATCH: BBC's Nolan 'distracted' as credit cards hacked during live TV programmeBelfast Telegraphall 3 news articles »
EngadgetPornhub owner may become the UK's gatekeeper of online pornEngadgetBusinesses that do comply may also potentially lose a significant amount of money by implementing age verification. It's currently assumed that the burden will be passed on to the sites themselves, which, ..... Asking people to "type their credit card ...and more »
Banbury GuardianOxfordshire County Council urge caution ahead of Black FridayBanbury GuardianOnline shoppers in the UK spend more per household than consumers in any other country (£4,611 a year) according to the UK Cards Association (trade association for 300 providers of finance, banking and payments-related services), leaving them exposed ...and more »
FT AdviserTrade body UK Finance appoints head of mortgages - FTAdviser.comFT AdviserUK Finance the trade body representing the finance and banking industry has appointed Jackie Bennett OBE as its head of mortgages.UK Finance appoints Jackie Bennett as head of mortgagesMortgage IntroducerUK Finance appoints Head of MortgagesFinancial Reporterall 4 news articles »
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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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