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BBC NewsElection 2017: What if I can't afford to pay the rent?BBC NewsTo make ends meet, she borrows money on a credit card. She has ... According to the housing charity Shelter, there are now half a million people in the UK in the same situation as Nadine: people who have jobs, but who still have to borrow money for the ...and more »
Stuff.co.nzReverse mortgages prove costly blessing to cash-strapped elderly ...Stuff.co.nzRosie and Jim were left with no choice but to take a reverse mortgage if they wanted to stay in the Christchurch home they loved.and more »
Stuff.co.nzReverse mortgages prove costly blessing to cash-strapped elderly homeownersStuff.co.nzReverse mortgages are a costly blessing to older people who have valuable homes, but not a lot of ready money. They allow people to borrow money to spend now, that only has to be repaid (plus interest) when they, or their estate, finally sells their home.and more »
This is Money'I was taken in by a bogus website and lost £4500': Turn detective to spot a holiday booking SCAMThis is MoneyCompanies behind internet search engines are being urged to do more to end the misery of holidaymakers duped into paying thousands of pounds to bogus travel booking firms – but there are steps you can take yourself to spot and avoid a scam.
Telegraph.co.ukKell Brook defeated by Errol Spence Jnr in round 11 stoppageTelegraph.co.ukA big money bout with Amir Khan, who was in the commentary box, could be on the cards. "I'd like to fight him at 147," Khan told Sky Sports. "It depends on Kell's eye, and also the dates - there are a lot of pay-per-view fights on. The fight between me ...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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