Q&A: Dominic Coyle answers your personal finance questions

With an investment club you need to decide the rules before starting

Get the structure right, make sure it is watertight and that everyone buys into it

Coca-Cola already distributes the Monster brand in the United States and Canada. Photograph: Maxim Shemetov/Reuters

Soft drinks giant acquires 17% of firm in strategic partnership

The team from NUI Maynooth, who secured third place in the world citizenship cetegory at the world finals of the Microsoft Imagine Cup in Seatle for their AccessEarth app, which provides up-to-date, reliable data on the accessibility of buildings all over the world for those with impaired mobility: (from left): team mentor Donal McClean, Jack Gallagher, KC Grant and Matthew Mc Cann. Photograph: Jordan Stead

Team takes third place at Microsoft Imagine Cup in world citizenship category with app to help people with impaired mobility

Must we pay a broker to have our paper share certificates converted to electronic records?

Classic case of how the system works against the individual

The Black Hat hacker conference in Las Vegas last week, where speakers asserted their ability to tap into and manipulate everything from airport security systems to the lights in your hotel room. Photograph: Steve Marcus/Reuters

Billions spent in the security sector are failing to deliver as effectively as the underground hacker community

Pharmacy company Servier (Ireland) Ltd attributed its sales growth to increased production  and more  shipments to Bulgaria and Romania. Photograph:  PA Wire

Dún Laoghaire and Arklow-based subsidiary of French pharma company reports 36% profit growth

Overall, activity in the sector rose to 62.6 in July from 59.9 in June. Photograph: Chris Ratcliffe/Bloomberg

Demand for subcontractors, in particular, rose sharply

Dropping the drug was a major blow for Roche, which had seen it as a way to break into the cardiovascular market. Photograph: Getty Images

Turnaround largely due to increased production and a one-off charge

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