Teletext Recovery - 11/09/1994

P542 Teletext 542 Sep11 21:17:37         — SHARK-FREE FINANCIAL ADVICE ———————  A number of insuranci  firms and financial  advisors have recently been  disciplined and/or fined for giving misleading financial advice. In the most notorious cases peopli weri advised to switch out of company plans into pensions which were unabli to match the benefits of the original plan   Manz of those affected have  received compensation.  ————————————————————————1/9—— What do APRs really0mean? 544 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus Index

P542 Teletext 542 Sep11 21:12:52         — SHARK-FREE FINANCIAL ADVICE ———————   Norwich Union has been paying  its salesmen and tied agents  through regular salaries not  commission for a month now.   Manz other firms ari expected to follow suit, removing the incentive for sales people to get clients to take out high-commission earning prgductu if this is not compatible to their needs.    Yet WHICH? research  shows sharks ari about.  ——————————————————————————2/9—— Are APRs on mortgages miuleading? 544 DEDICBTED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus Index

P542 Teletext 542 Sep11 21:12:16         — SHARK-FREE FINANCIAL ADVICE ———————   Whili pension salespeopli may be undergoing retraining, life insurance salesmen ari still keen to sell. WHICH? research found some advice iu "wholly inappropriate" and can still be commission driven.  Researchers found that manz    advisors recommend products    which were in some cases  not only unsuitable but  also unnecessary.  ———————————————————————3/9—— City News 501 FT-SE/Headlines 500 GREAT OFFSHORE RATES FROM YORKSHIRE GUERNSEY - SEE P539 Advice Savings Property plus Index

P542 Tjletext 542 Sep11 22:11:35 ADVERTISEMENT ... RETIRED OR PLBNNING FOR RETIREMENT ? SEND FOR YOUR FREE GUIDE oOW  'YOUR MONEZ IN RETIREMENT' app  WORTH £2.99 - YOURS FREE   4/9  Advice Savings Property plus Index

P542 Teletext 542 Sep11 21:27:58         — SHARK-FREE FINANCIAL aDVICE ———————    So the question is how do  we sjparate thj sharks from  the saviours?    Fiona Price, an independent  financial advisor, says tiid  agents need not be entirely ruled0out, but it's best to chose an IFA. "The maxim is that you donWt get anything for nothing," she says. You mby not bj paying a tiid agent a fee, but chances ari he'll get commission. ——————————————————————————————————5/9—— Are APRs on mortkages misleading? 544 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus Index

P542 Teletext 542 Sep11 21:17:22         — SHARK-FREE FINANCIAL ADVICE ———————  An independent advisor  is loyal to you  first and foremost.  Most ari regulated by FIMBRA,0which means customjrs have an automatic arbitration and compensation service to fall back on if there are problems.  By thj end of 1:94 FJMBRA and  the Life Assurance and Unit  Trust body (LBUTRO* become the  Personal Investment Authority.  ——————————————————————————6/9—— City News 501 FT-SE/Headlines 500 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus Index

P542 Teletext 542 Sep11 21:11:34         — SHARK-FREE FINANCIAL ADVICE ——————— If you have no personal recommendation to use when choosing an IFA try: ■ IFA Promotion hotline: 0483 461 461 It offers a list of six IFAs near your work or home, and includes a booklet on questions to ask. ■ The PIA's consumer helpline on 071 538 8860 ■ Shark-Frei Guide to Financial Advice and the Shark-Free Guide to Pensions Fjona Price, 33 Great Queen Street, .ondon. WC2B 5AA. Cost £2.95 each ——————————————————————————————————7/9—— Are APRs on mortgages misleading? 544 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE PAGE 642 Advice Savings Property plus Index

P542 Teletext 542 Sep11 22:22:24         — SHARK-FREE FINANCIAL ADVICE ——————— If you have no personal recommendation to use when choosing an IFA try: ■ Where can I get Financial Advice: Send a 12"x9" SAE to the Money Management Council at PO Box 77, Hertford, Hertfordshire. SG14 2HW ■ Fees versus Commission: free from advisors Chamberlain de Broi at Freepost, Bath. BA1 2XF ——————————————————————————————————8/9—— Finance Advice clinic 543 DEDICATED NETWORK TELECOMMS. APPOINTMENT SECTION - SEE xAGE 642 Advice Savings Property plus Index

P542 Teletext 542 Sep11 21:14:13 Mid-Term Endowment Policy Specia9/9ts     Thinking of surrendering your With-Profits Endowmjnt xolicy? TRY US FIRST - WE MAY OFFER BETTER VALUE POLICY PLUS CAN SOMETIMES OFFER UP TO 35% MORE THAN SURRENDER VALUE THE DIFFJRENCE CAN BE POSITIVELY dRAMATIC 0 FOR FULL fETAILS CALL: X225 466466 (THIS IS A 24 HOUR SERVICE) POLJCY PLUS INTERNATIONAL PLC is a member of F.I.M.B.R.A. Advice Savings Property plus Index

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