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The SunMartin Lewis warns you could be losing out on £800 a year by turning down a pay rise without realising itThe SunA percentage of your pay packet is deducted every month and put towards your own personal private pension, and your employer must also put a percentage of money into your pension – on top of your salary. By not opting into the pension scheme, you're ...
Telegraph.co.ukCommuter hit by Southern Rail chaos wins £2400 back from his credit card provider: could you get a refund?Telegraph.co.ukA disgruntled train passenger living on the Southern train route has managed to claim a £2,400 refund from his credit card company by citing a little-known clause in the Consumer Credit Act. The payout could trigger a flood of ... paid for tickets with ...and more »
Mirror.co.ukBlue Monday deals to help cheer you up on the most depressing day of the yearMirror.co.uk... doom and gloom, we've found some deals and freebie offers that we guarantee will put a smile on your face - whether you want to book that amazing holiday without breaking the bank, or have a cosy night in with a tasty feast without feeling guilty ...Blue Monday 2017 could be bluest ever, says expert behind equationTelegraph.co.ukall 47 news articles »
This is MoneyRevealed: How Bank of Scotland rushed older borrowers into controversial mortgages that have left them trapped in ...This is MoneyThe more of these so-called SAMs were sold, the more money Bank of Scotland made in fees. Meanwhile, the bank's customers were being rushed into major financial decisions in time frames way out of kilter with the treatment of ordinary mortgage ...and more »
Telegraph.co.ukCommuter hit by Southern Rail chaos wins £3k back from his credit card provider: could you get a refund?Telegraph.co.ukA disgruntled train passenger living on the Southern train route has managed to claim a £3,000 refund from his credit card company by citing a little-known clause in the Consumer Credit Act. The payout could trigger a flood of similar claims from ...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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