INSIDE

September 2011

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REGULARS 5 Welcome 15 Savings Watch The best deals on the market this month 16 Fight for Your Rights Got a financial problem? Moneywise will take up the fight on your behalf

COLUMNISTS 19 Editor’s letter Global markets take a tumble 33 George Pitcher Are ethical funds money for old rope? 41 Jeff Prestridge Why insurance protection lacks financial sex appeal 96 That’s Life with Esther Rantzen Where there’s a will there’s a feud UPFRONT6YourShout 8 Investment Special Report 10 Steal of the Month SORTED! 26 Money Makeover 28 Your Finances Fixed COMPETITION 35 WIN a four-night minibreak in Devon

If you’ve had a recent accident, chances are the personal injury vultures are on your case

20 Beware the ambulance chasers How the rise of a compensation culture is pushing motor insurance premiums upwards scam

36 Are banks lending to small firms? Even solid small businesses are struggling to find bank funding work

42 Real lifesavers Don’t nod off when you hear the phrase ‘protection insurance’

– it could throw you a lifeline when the unexpected happens 46 Equal rights Is it fair the disabled are charged more for travel insurance?

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Everything must go:what to do when big brands hit the skids

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Money management is one thing your kids won’t be studying at university, so prepare them beforehand

There’s no point in crying over a fund manager who’s not doing it for you anymore – move on scam

49 What to expect after graduation Advice for those leaving university can be thin on the ground 50 The student survival guide There’s more to life on a student budget than baked beans and drinks in the Students’ Union

55 Every penny counts Don’t be a slave to your credit card – get to grips with

0% balance transfer deals 56 Paying for the privilege of paying Ever wondered why you’re charged extra for using a card to purchase flights or gig tickets online? 60 UK high street gets the blues We tell you what to do if you’ve ordered goods from a shop that falls foul of the credit crunch 62 Wheeler dealing Turn a profit by trading in your old banger scam

66 Investment News Financial markets in turmoil; Junior ISAs 67 Buy, Hold, Sell

RCM’s Jeremy Thomas shares his top picks 68 The Briefing We take a look at the Strategic Bond sector 70 Investing for income Income from equity investments could be a lifesaver in today’s low-interest environment 74 The end of the affair Recognise when it’s time to cut the ties with a fund manager who’s lost his touch

77 Planning for later life A five-minute guide to state pensions 78 Top of the pension deals Navigate the complicated world of pensions to find the right deal for you with our annual round-up of the best schemes

65 Andrew Pitts scam

In times of market volatility, the safe haven of gold retains its lustre for nervous investors

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85 The best products at your fingertips

Our pick of the top products and investments for consumers and investors

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