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The Times (subscription)Perks of overpaying a home loanThe Times (subscription)If you missed out on Ford Money's 4 per cent savings deals, which were withdrawn from sale this week after overwhelming demand, then you are probably particularly fed up with low savings rates. One way of earning a better return, however, could be by ...and more »
Need extra cash? A second-charge mortgage may suitThe Times (subscription)The number of people taking out a second mortgage on their home to get some extra cash has jumped to the highest level since 2008. New data shows that £93 million in loans was taken out by homeowners in March through second-charge mortgages.
Daily MailThink tank warns of 'dishonest' Labour tax plansDaily MailCorporation tax rises could reduce the value of private pension pots. ... A spokesman for the think tank said: 'Labour would not raise as much money as they claim even in the short run, let alone the long run. ... The Tory commitment to get net ...Your guide to how the IFS dismantled the two parties' plansPolitics.co.ukParty manifestos branded 'not really honest'FT Adviserall 71 news articles »
Mirror.co.ukTravelex has scrapped its Supercard and you WON'T be able to use it this summer - 5 alternative travel money cards ...Mirror.co.ukTravelex's Supercard has proven to be a firm favourite for customers travelling overseas over the past couple of years, thanks to its no credit check arrangement, no added fees, and the ability to link your debit and credit cards to the account through ...
Financial TimesUK companies pay staff less as they plug pension deficits, says studyFinancial TimesCompanies in the UK have held down staff wages as they plug pension deficits, including those of lower-paid workers excluded from the schemes, according to new research, writes Gemma Tetlow. An average 10 per cent of the money that has been paid into ...
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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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