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Brass Neck for taking such high commission on your money

gall in bucket loads for suggesting they can make your money grow

cheek for trying to get you to change or should I say review your portfolio which will of course result in you paying even more money

shiny shoes, i-phone, tablet, notepad and a BMW or a Mercedes which you are paying for - by portraying the flash persona they think that will be attractive to investors when actually we think - my money is paying for it

charm so you will sign the forms which guarantee the advisor a fat commission and ongoing income and you are made to feel that you are growing your wealth - wake up and smell the coffee, you are growing their wealth.

If you have spare cash in large quantities, buy a large house in a university city, split it up into nice bedsits and see an annual return of 7 or 8 % year on year - and if the property market ever really recovers you will get a decent capital growth.

As you can guess, I am not a fan of financial advisors, they have cost me dearly over time, and I would have been better being my own advisor.

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