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Money changingBBC NewsAccording to Ben Alsop, curator of the Citi Money Gallery at the British Museum in London, that introduced a vital concept – trust. Trust of the authorities, and ... “If you've got a credit card and you're overpaying, we'll help you switch. If you're ...
Channel NewsAsiaUber users in Singapore charged for "phantom rides" overseasChannel NewsAsiaThe victims, who held credit or debit cards from different banks, were charged in foreign currencies including the US dollar, euro and British pound. ... "I'm pretty sure I will get back my money (most of it anyway)," she told Channel NewsAsia. However ...
Daily MailMillions spied on by greedy top universities: Institutions secretly hire investigators to snoop on ex-student's ...Daily MailThe Mail reveals today that universities have been secretly snooping on former students' finances since 1997. Some have information on the value of alumni's bequests, stocks, properties and 'generous pensions'. Alumni are ranked by their 'net wealth ...Oxford and Cambridge are said to be illegally spying on students for moneyQuartzUniversity fundraisers accused of 'snooping' on alumni by Daily MailCivil Society Mediaall 11 news articles »
Telegraph.co.ukFuture of Bitcoin limited by having no lender of last resort, BNP Paribas claimsTelegraph.co.ukThe UK's central bank determines interest rates and some financial regulation. It also acts ... If consumers used a cryptocurrency for vital products such as mortgages, they would have no security and could lose their money if a financial crisis ...BNP Paribas: Bitcoin Will Fail Because it Lacks Characteristics of Traditional BankingnewsBTCall 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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