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BloombergBrexit to Weaken U.K. Housing in Near-Term, Nationwide SaysBloombergU.K. housing has also softened since the start of the year, when demand was boosted by buyers trying to beat a tax change and save money on purchases. Gardner said that determining how much of any fall-back in activity is the result of the tax changes ...House price average passes record £205000, says NationwideAOL Money UKall 22 news articles »
Yahoo Finance UKThe Hidden Charge That Costs British Holidaymakers £380M A YearYahoo Finance UKDebit and credit cards are a good back up for travel money but if you want to guarantee your rate, use a prepaid currency card which locks in your exchange rate when you buy. If you're using a prepaid currency card loaded with pounds, similarly always ...Mintel report shows Brits pay £380m a year in hidden fees for using cards abroadDaily Mailall 2 news articles »
Spectator.co.ukWhy Sir Philip Green should keep his knighthoodSpectator.co.ukThe Cabinet Office has confirmed that Sir Philip Green's knighthood is under investigation because of his part in the destruction of BHS, which is costing 11,000 people their jobs and threatening to reduce the pensions of 20,000 others. The Honours ...and more »
Spectator.co.ukRough justice, but MPs have got Sir Philip 'Shifty' Green bang to rightsSpectator.co.ukBut you will probably agree with the MPs that his sale of the store chain to a consortium led by former bankrupt Dominic Chappell, who had no money or retail experience behind him, was a cynical outrage. The deal seems to ... But still the MPs' report ...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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