Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Tuesday, April 25, 2017
Pensions Are On The Way Out But Retirement Funds Are Not Working Either / Personal_Finance / Pensions & Retirement
By: John_Mauldin
US law provides for many kinds of tax-advantaged retirement plans. They fall into two broad groups: defined-benefit (DB) and defined-contribution (DC) plans.
Defined-benefit plans are mostly the old-style pensions. They came with a gold watch and ensured you some level of benefit for the rest of your life.
Your employer would invest part of your compensation in the plan, based on some formula. In some cases, you, the worker, might have added more money to the pot.
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Saturday, April 22, 2017
5 Key Steps For A Comfortable Retirement From Former Wall Street Trader / Personal_Finance / Pensions & Retirement
By: John_Mauldin
BY JARED DILLIAN : “Are you good with money?” You hear that question a lot. But, what does it mean?
It means:
- Paying your bills on time
- Being able to put something aside
- Maybe investing it
- Fully funding your retirement accounts
- Retiring comfortably
It doesn’t matter what you do for a living or how much you make. I know people who have never made more than a five-figure income and are millionaires (true story—more on this later).
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Sunday, April 16, 2017
Walkers Crisps £5 to £28k Instant Pay Packet Win! / Personal_Finance / Freebies and Comps
By: Anika_Walayat
Walkers Crisps have just started a new promotion where you can instantly win between a £5 and £28,000 pay packet. In total there are £2 million's up for grabs! The promotion runs until the 3rd of June. So find out what the promotion is all about as we dashed to the supermarket for our first batch of 10 multi-packs to see if we can win instant cash! And lets hope that ALL of the £2 million will be won unlike the Spell and Go fiasco of 2016 when only about 4% of advertised prizes were actually awarded.
Tuesday, April 11, 2017
Negative Interest Rates are Becoming a Reality for Savers / Personal_Finance / Negative Interest Rates
By: MoneyFacts
Data from Moneyfacts.co.uk can reveal that the savings market is showing encouraging signs of improvement. The number of rate rises now outweighs the number of reductions for the third month running.
In the month of March, Moneyfacts recorded 163 savings rate rises, with some rates increased by as much as 1.20%. This dwarfs the 65 rate reductions that took place in the same period. As a result, the average five-year fixed rate has now risen to levels not seen since August 2016, reaching 1.81%.
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Thursday, March 30, 2017
What are the Biggest Gambling Markets in the World? / Personal_Finance / Gambling
By: Submissions
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Tuesday, March 28, 2017
Savers Maximise the Personal Savings Allowance for Bigger Returns / Personal_Finance / Savings Accounts
By: MoneyFacts
As a new tax year approaches, savers may well be readying their cash to invest in a new ISA, but the latest research by Moneyfacts.co.uk reveals why savers should still consider maximising their Personal Savings Allowance (PSA) for bigger returns.
Since April 2016, savers have been given an individual Personal Savings Allowance to earn a portion of savings income or interest tax-free, with basic rate (20%) tax payers given a £1,000 allowance and higher rate (40%) taxpayers getting £500. This momentous change means that now most taxpayers (estimated at 95%) no longer pay tax on their savings interest.
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Monday, March 27, 2017
The Popularity of Gambling and Investing Amongst Students / Personal_Finance / Gambling
By: Submissions
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Monday, March 27, 2017
Is Political Betting on the Rise? / Personal_Finance / Gambling
By: Submissions
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Wednesday, March 22, 2017
Stocks & Shares ISAs Delivering Strongest Performance Since 2009/10 Tax Year / Personal_Finance / ISA's
By: MoneyFacts
- The average stocks & shares ISA fund has grown by 15.8% during the 2016/17 tax year so far, the highest return since the 2009/10 tax year.
- This compares with an average cash ISA rate of 1.01% over the same period.
- The average stocks & shares ISA has delivered positive growth in eleven of the 18 tax years since the introduction of ISAs in 1999.
Monday, March 20, 2017
No Cash ISA Season 2017 / Personal_Finance / ISA's
By: MoneyFacts
Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that the number of ISA products has risen to 311, marking the first time the number of ISAs has stood above 300 since September 2016. The long-term ISA rate has also risen, for the fourth consecutive month.
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Tuesday, March 14, 2017
McCain Great £3 Million Prizes Raffle Draws, Cars and Holidays to be Won / Personal_Finance / Freebies and Comps
By: Anika_Walayat
McCain's have just started a new £3 million promotion, with 30,000 prizes including 10 cars 5,500 holidays, and 5000 burgers! The top prize is apparently to step into the shoes of an Emmerdale TV programme Actor. So find out what needs to be done to easily win 1 of over 30,000 prizes before the promotional packs are withdrawn before the end of April 2017.
Saturday, March 11, 2017
Investment Guide When Planning Your Retirement / Personal_Finance / Pensions & Retirement
By: Submissions
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Tuesday, March 07, 2017
How to Get a FREE PS4 Sony Games Console 2017 in Walkers Crisps UEFA Promo / Personal_Finance / Freebies and Comps
By: Anika_Walayat
Walkers Crisps 2017 UEFA Champions League Snap & Share promotion is proving to be a relatively easy to enter and win promo. Where entrants can win one of 40 pairs of match tickets, 500 play stations and 7000 footballs. Out own experience illustrates that after only 5 days of posting the requisite 3 pic's a day on Walkers pinned post facebook page we managed to win an Adidas UCL Finale 16 Capitano Football! And then just 10 days later won a PS4 Sony Games Console! Given how easy it was to firstly win the football which is as good as FREE to whomever wants one, and then for a little more persistence the PS4, then this is an not to be missed opportunity as there is still have plenty of time to win until the promo ends on the 23rd of April.
Tuesday, March 07, 2017
Cash ISA Season Limps into Action, with Very Few Contenders / Personal_Finance / ISA's
By: MoneyFacts
It’s been a very slow start to the ISA season, as the latest research from Moneyfacts.co.uk reveals that the average ISA rate has continued to fall to a new low of 0.82%. While there have been gradual increases to the ISA allowance over the years, the market remains deprived of intense competition.
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Monday, March 06, 2017
FREE UEFA Champions League Finale Capitano Football from Walkers Crisps Promo / Personal_Finance / Freebies and Comps
By: Anika_Walayat
Walkers Crisps latest UEFA Champions League Snap & Share promotion is proving to be a relatively easy to enter and win promo. Where entrants can win one of - 40 pairs of match tickets, 500 play stations and 7000 footballs. As our own experience illustrates that after only 5 days of posting the requisite 3 pic's a day on Walkers pinned post facebook page we managed to win an Adidas UCL Finale 16 Capitano Football! Which was finally delivered after about 3 weeks. Given how easy it was to win, the football is as good as FREE to whomever wants one as there is still have plenty of time to win one until the promo ends on the 23rd of April.
Tuesday, February 28, 2017
Record-breaking 0% Credit Card for Spending Deals / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
It’s impossible to plan for unexpected expenses, so those caught by surprise with breakdowns of white goods or even the necessity to replace a car will likely be hard-pressed to cover the cost at short notice. Fortunately for consumers who may not have a large enough nest-egg to dip into, there are an abundance of interest-free purchase credit cards to choose from that can help spread the cost.
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Monday, February 27, 2017
Are UK Savings Interest Rates Finally Starting to Rise? Best Cash ISA 2017 / Personal_Finance / ISA's
By: Nadeem_Walayat
According to some analysts there are emerging signs of life in the UK savings markets, so as the tax year draws to a close I take a look at if the Cash ISA market is finally starting to offer some hope to Britain's savers after a near 5 years of a catastrophic downward death spiral in interest rates, one of being ripped off by the tax payer bailed out banking crime syndicate that for the duration has continued to bank bonuses on artificial profits engineered by the Bank of England in an attempt at recapitalisng the bankrupt banks all whilst the savers continue to suffer and pay the price in terms of loss of purchasing power of savings by means of sub inflation interest rates.
Monday, February 27, 2017
Top Fixed Rate Savings Bond Highest in 10 months / Personal_Finance / Saving Bonds
By: John_Mauldin
Challenger banks are causing a storm in the fixed rate bond market, with especially the highest rates in the market seeing an increase. The top one-year fixed rate bond has increased to 2.00%, up by 0.60% since January and the first time in 10 months a one-year fixed rate has stood at 2.00% or higher.
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Sunday, February 26, 2017
Ten KitKat Personalised Packs for FREE! / Personal_Finance / Freebies and Comps
By: Anika_Walayat
We have now received our 10 personalised kitkat packs, which apparently is the maximum number per address. This is supposed to be a competition but in reality kitkat are giving away 10 personalised packs per household given the large number of 1000 packs being made available per DAY! So do get your free personalised packs before the promotion ends on 29th of March 2017 and find out what you get in the post in our latest video in this series.
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Monday, February 20, 2017
The Smiggle Pencil Case Children's Craze - Addicted! / Personal_Finance / Reviews
By: Anika_Walayat
Most of us will remember pencil cases as being inconsequential small cloth bags to hold a few pens and pencils. Not anymore! Anika like an increasing number of children is fully immersed in a new craze, one of EXPENSIVE pencil cases! Not 1, not 2 but approaching half a dozen! And Smiggles is feeding this craze with its range of highly innovative pencil crazes that press all the right buttons that has kids in classrooms (especially girls) competing with one another of who has the best and new case. With the added dimension of swapping contents, the cases soon fill up with enough contents for a whole classroom to last a year!