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Ask Justin

Ask Justin

Got a question about your finances? Or perhaps there's something on this site you don't understand? Then Ask Justin!

You can ask financial expert Justin Modray a question using the link below. The service is free and Justin answers as many questions as he can (time permitting).

Questions answered to date: Total Answers

Justin's spent over 12 years working in financial services, during which time his expert views and comments have been featured thousands of times in the national press and on radio and telvision.

Please bear in mind that neither Justin nor this site are authorised or regulated by the Financial Services Authority (FSA), so he is not allowed to provide specific financial advice. To do so would involve a lot of onerous procedures and expense, for example, he'd have to gather details of and review your full financial situation - simply not practical for this service.


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Justin's answers (click on a heading to sort)

Category Topic Question Asked By Comments Date Helpful?
Investment ISAs How to profit from falling markets? mrhat 0 14/09/11 6
Investment Unit Trusts Alternative energy investments? alant01 1 08/09/11 6
Investment Fixed Interest Investment grade or high yield bonds? Jocky 1 08/09/11 12
Investment Shares What's your FTSE 100 prediction? brianc 2 02/09/11 6
Financial Advice General Hargreaves Lansdown trail commisison rebates? kane1926 9 02/09/11 19
Investment Shares Do fund prices vary between brokers? mickz 0 02/09/11 11
Investment Fixed Interest Good time to buy corporate bonds? winger14 0 02/09/11 7
Financial Advice General Transfer personal pension into teacher's pension? beeb90 0 02/09/11 3
Investment Fixed Interest Buy RBS Inflation Multiplier Bond? Tykethat 0 02/09/11 6
Financial Advice General Life cover payout less than expected? cheryljane 1 31/08/11 2
Saving National Savings Double NS&I Certificate allowance with a trust? BernieB 2 19/08/11 7
Investment Shares How does the LSE International Retail Service work? suescott 0 19/08/11 6
Tax Income Tax Ways to reduce tax bill via a limited company? dhariwaln 0 19/08/11 2
Retirement SIPP How safe is a SIPP? whiskyjack 1 19/08/11 6
Tax Income Tax Tax on UK investments if I move abroad? Esmondo45 0 19/08/11 2
Investment Trackers Bet on stock market recovery? kane1926 4 18/08/11 4
Tax Inheritance Tax Inheitance tax on farmland? Canol 0 10/08/11 2
Investment Unit Trusts Good equity income fund for depressed markets? webwiz 3 10/08/11 6
Retirement SIPP Cavendish SIPP charges vs HL? yocky 0 09/08/11 6
Borrowing Mortgage How to find a good mortgage deal? TinyTears 0 08/08/11 3
Tax Inheritance Tax Tax on gift from my late father? 4laceys 0 08/08/11 3
Investment ISAs Fund discounts with monthly saving? aidanjc 0 08/08/11 3
Investment Shares How to buy european shares? Tykethat 0 08/08/11 6
Investment Shares Difference between limit and stop loss orders? suescott 0 03/08/11 7
Retirement SIPP Reclaim European withholding taxes in a SIPP? malone73 0 03/08/11 2
Financial Advice General Choosing funds and financial planning? zeeshm 0 01/08/11 4
Investment Shares How to find value of US stock certificates? markmangham 0 28/07/11 3
Investment Unit Trusts Better to 'buy and hold' or rebalance? hdeakin299 3 28/07/11 7
Retirement Pension Rules Should my wife top up her state pension? markmangham 0 27/07/11 2
Financial Advice General How to stretch savings further? Sadie1982 2 27/07/11 2
Investment Shares Good stockbroker for a novice investor? kane1926 1 27/07/11 3
Saving Savings Accounts Good account for short term savings? TinyTears 0 27/07/11 3
Borrowing Credit Card Withdrawing cash overseas? grobert607 3 27/07/11 3
Investment Unit Trusts Stick with GLG Japan Core Alpha fund? kane1926 1 26/07/11 2
Tax Inheritance Tax Good value will service? junevy 0 26/07/11 8
Investment Unit Trusts What is an 'adviser ongoing fee'? hdeakin299 0 26/07/11 2
Investment Commodities How best to buy gold? simplemoney 0 26/07/11 1
Borrowing Mortgage Does 4 year 2.99% Abbey fixed mortgage exist? winger14 1 21/07/11 3
Investment Investment Trusts Why no stamp duty on some investment trusts? mickz 3 21/07/11 7
Investment Shares What happens when a country runs out of cash? mchildwall 0 21/07/11 5
Financial Advice General How much trail commission is being paid? BernieB 0 21/07/11 7
Retirement Occupational Pension Should I buy extra teacher's pension? suzhol 2 19/07/11 5
Financial Advice General What to do will house sale proceeds? Joyce 1 19/07/11 3
Tax Income Tax Reclaim foreign withholding tax in SIPP? malone73 0 19/07/11 5
Investment Shares How would weaker EU countries going bust affect markets? winger14 0 18/07/11 10
Borrowing Mortgage Use a DRO when in negative equity? paclsimpson 0 14/07/11 2
Investment Unit Trusts Choosing a discretionary investment manager? petergreenwood 1 14/07/11 6
Investment Unit Trusts Artemis or Blackrock UK Special Situations? jdunderwood 1 14/07/11 6
Retirement SIPP Is pension income drawdown worthwhile? hdeakin299 3 14/07/11 5
Financial Advice General Are we entitled to any tax credits? sinead 0 13/07/11 1
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