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Mat, Thanks for that. Poor people. That's a terrible rate to have to pay for a loan. I take it their options are limited?

Gilbert, If you go with that logic, no-one would ever have a mortgage again (Freddie Mac, Fannie May), or put any money in any bank (Northern Rock, Merrill Lynch) either. Or, for that matter fly in a plane, drive a car or cross the road or visit Greece. Seriously, check out Generali. Strong...

That's the Gamble Gilbert. What if 2 go down? As for my way, it's very easy to find the people who have your money. Google 'Assicurazioni Generali'. They are number 19 in the Global 500 list of the world's biggest companies and the main offshore investment platform. They don't get there by...

I'm not saying that they are bad. I am saying that I personally wouldn't put 10 bucks in them or recommend that anyone esle did, because my professional opinion is that the risk is too great. That doesn't mean that people won't make money on it. They will, but equally, they could wake up one...

Yeah Tiggy, You are right. The investment is only as good as your advisor. It is perfectly possible to lose money where investments are not properly managed. That's why a good IFA will split the investment across 7 - 10 different managed funds and then across different asset classes. We still...

Just to clarify that a wee bit, I'm approved as Fit and Proper by the FSA in the UK, but not currently registered there as you have to be employed by a UK company and practising in the UK for that. IFAs are not regulated in Indonesia the same way they are in the UK, US or Aus and are not...

Yes, UK and CII and SII 2008. That gives me the CFP. They've recently changed the qualification standards in the UK, so I'm going to be working towards a new qualification the Diploma in Regulated Financial Planning over the next year or so.

Hi Gilbert, Yeah, I am a Financial Advisor with the biggest ex-pat company in Indonesia. If you gave me $100K, I wouldn't play on the markets with it either - that would expose your money to serious risk. What we do is use International Managed Funds. This spreads your investment across various...

Guys, if any bank is offering you that sort of interest, I would be very concerned indeed. I wouldn't put 10 bucks in it. The question you need to ask is why are they offering such a high interest rate? Because they need people to put money into their bank because they are broke. They are...

Health Insurance If anyone needs a hand with this, let me know. I can put you in touch with someone who can help