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The IndependentConsciously uncoupling the cashThe IndependentResearch from the comparison website uSwitch has shown that more than two million British people have ended up with debt on a shared credit card once a relationship has ended. ... It's not uncommon to find that ex-partners owe each other money.”.
This is MoneyFive decades that changed personal finance for ever: When Money Mail began, wages were paid in cash on Fridays ...This is MoneyThe Daily Mail newspaper's Money Mail section is 50 years old today, here This is Money's sister publication looks back at how financial life has changed since 1966. It's September 1966. In the living room the family squints at a black-and-white ...
WSJ City: RBS's £846 Million Mortgage Fine; UK Competitiveness at Risk; IPO Revival Takes Its TimeWall Street Journal (blog)Government bonds could make further gains as persistent fears over the health of Deutsche Bank stoked solid demand for relatively safer assets on Tuesday, sending benchmark yields in the US, Germany, Japan and the UK to multi-week lows. ... Ebita ...
AOL Money UKEllie Goulding named the internet's most dangerous celebrityAOL Money UKYou also need to exercise a bit of sensible self-preservation. If you receive a request to enter information like your credit card number, email, home address or password, don't give this information out without thinking. Do your research to make sure ...and more »
Barclaycard launches new credit card for travellers wanting to cut those holiday billsThis is MoneyUnlike most credit cards, which charge an extra fee for spending in shops and withdrawing cash, the new Platinum travel card has no fee until the end of August 2018. After that, a 2.99 per cent fee will apply on every transaction, so you may want to ...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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