Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Tuesday, May 10, 2016
UK Savers Reap the Rewards of Regular Savings Accounts / Personal_Finance / Savings Accounts
By: MoneyFacts
With the savings market in steady decline, it’s hard to believe there is any positive savings news. However, research by Moneyfacts.co.uk reveals that there is one sector that is giving savers a glimmer of hope – regular savings accounts have turned against the flow of rate cuts, and as a result, the average fixed regular saving rate has risen by 0.10% in just the last six months.
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Monday, May 09, 2016
Top Tips for Winning Walkers Crisps 'Spell & Go' Holidays / Personal_Finance / Freebies and Comps
By: Anika_Walayat
Here are our top tips for winning one of 20,000 holidays in the Walkers Crisps 'Spell and Go' promotion. Firstly, you need to be aware that the letters K,C and D are being with-held or only released in very few numbers so that Walkers crisps can regulate the number of holidays it awards....
Thursday, May 05, 2016
Walkers Crisps Spell & Go - Letters K, C and D Swaps Special to Win Holidays / Personal_Finance / Freebies and Comps
By: Sami_Walayat
This is a special letters K,C and D update for the Walkers Crisps Spell and Go 20,000 Free Holidays promotion. By now like us after having entered many codes and collected lots of letters you will be realising that the letters K, C and D are just not being randomly given but for reasons explained in this video are either being released in very few numbers or even being completely with-held -
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Tuesday, May 03, 2016
Long-term Fixed Savings Interest Rates Fall / Personal_Finance / Savings Accounts
By: MoneyFacts
Savers looking to boost their savings pots will no doubt look for accounts that pay the highest rates of interest, which typically come from long-term fixed rate savings bonds. However, savers may be disappointed by the deals on offer for rates in this sector have recently hit new lows thanks to an onslaught of rate cuts.
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Sunday, May 01, 2016
Walkers Crisps Spell & Go Win 20,000 Holidays - Getting Started, How to Play / Personal_Finance / Freebies and Comps
By: Anika_Walayat
Walkers Crisps have just started a new promotion called Spell & Go where you can win one of 20,000 4 star holidays for 4 people worth either £4000 or £1500 each! So in this video I explain how to get started in this new Walkers / Pepsico promotion that sounds really amazing, 20,000 holidays up for grabs! ???
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Wednesday, April 27, 2016
Money Saving Gardening by Propagating Roses From Cuttings - Propagating Rose Plants Over 2.5 Years / Personal_Finance / Gardening
By: Sami_Walayat
Before you go and spend money buying new rose or other flower plants, first watch this video to find out just how easy it really is to propagate as many rose plants as you want from cuttings. Here 7 year old Sami demonstrates how easy it is to propagate a rose bush from cuttings in this step by step video that shows the progress of the cuttings taken over 2.5 years! And what impact the likes of miracle grow feed can have on your cuttings against plain old simple water.
Monday, April 25, 2016
2.8 Million Bank Switches Create Current Account Storm / Personal_Finance / Current Accounts
By: MoneyFacts
In previous years banking customers have had little incentive to switch their current account, but since the launch of the Current Account Switch Guarantee in 2013, almost three million people have ditched their old account*. As a result, a veritable current account storm has been created as providers compete to attract new customers.
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Tuesday, April 19, 2016
UK Savers Loyalty Doesn’t Pay / Personal_Finance / Savings Accounts
By: MoneyFacts
Loyalty savings products are often marketed as exclusive deals that are only available to the select few who hold the right products. If you fit the criteria, this can be a tempting offer, but these deals don’t necessarily offer the best rates on the market.
Moneyfacts.co.uk analysed products that are only available to customers who hold existing accounts with the provider and found that they would actually be better off shopping around, something that is clearly illustrated in the table below.
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Tuesday, April 19, 2016
UEFA Champions League 2016 Final Walkers PepsiCo Prizes Delivery (5) / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
Find out in our final tally of prizes won in the UEFA Champions League Pepsi/Walkers easy to win promo. See what arrived in delivery no5, and what my overall impressions are of the promo and what to expect for future comps in terms of actual delivery of prizes against wins.
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Wednesday, April 13, 2016
Report Reveals 10% fall in UK Retirement Incomes in Just One Year / Personal_Finance / Pensions & Retirement
By: MoneyFacts
Key findings:
· Average retirement incomes are at record lows one year into the new pension freedoms landscape
· Retirees looking for a secure income face the unenviable position of annuitising at all-time low rates
· Enhanced annuities have seen bigger rate decreases than standard annuities
· The average pension fund has fallen by 2.3% over the last 12 months
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Tuesday, April 12, 2016
Cold Shoulder for UK Savers as Market is Hit by Interest Rate Cuts / Personal_Finance / Savings Accounts
By: MoneyFacts
Data from Moneyfacts.co.uk can reveal that rate reductions in the savings market have now outweighed rate rises for six consecutive months.
In March, Moneyfacts recorded just 18 savings rate rises. Disappointingly, rate reductions over the same period completely overshadowed this figure, with the number of rate decreases over the month hitting 123, which means that 87% of rate changes were cuts.
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Friday, April 08, 2016
Making the Most of Your Personal Freedom and Financial Opportunity Around the World / Personal_Finance / Investing 2016
By: Casey_Research
(Editor’s Note: This is Doug Casey’s foreword to Casey Research’s Handbook for Surviving the Coming Financial Crisis.)
Right now, we are exiting the eye of the giant financial hurricane that we entered in 2007, and we’re going into its trailing edge.
It’s going to be much more severe, different, and longer lasting than what we saw in 2008 and 2009.
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Thursday, April 07, 2016
Best Cash ISA for 2016-17, 4% Help to Buy and P2P 9% Alternatives? / Personal_Finance / ISA's
By: Nadeem_Walayat
Good news, its a new tax year which means savers can deposit upto £15,240 into a tax free cash ISA savings account. Now for the bad news, the banking syndicate's cash ISA rates continue to be relentlessly ground down towards ZERO, where each new tax year tends to see worsening rates offered and this year is no different, Worse still is that Britains banks tend to further penalise ISA savers by typically paying LESS interest than on the SAME term NON ISA account, which makes a mockery of the large annual ISA allowances of £15,240, which means its near impossible to find a rate even half the 5% that could be secured in the pre-funding for lending scheme days (July 2012).
Wednesday, April 06, 2016
How to Prevent Hackers from Stealing Your Bank Account / Personal_Finance / Cyber Crime
By: Casey_Research
By Justin Spittler
If you use the Internet, your bank account is at risk...
On Monday, “terrorists” attacked a major U.S. hospital.
They didn’t set off a bomb or fire a single bullet. They infected the hospital with a computer virus.
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Tuesday, April 05, 2016
Has the Financial World Learned its Lesson from Madoff? / Personal_Finance / Scams
By: Boris_Dzhingarov
The idea of anything as devastating as the Madoff scandal ever happening in the financial world again is a terrifying one; the Ponzi scheme is considered one of the biggest economic crimes of recent years, affecting thousands of private and corporate investors. Many of its victims are still attempting to rebuild their lives, despite almost eight years passing since Bernie Madoff’s tearful confession to his sons one December evening in 2008. It’s therefore not difficult to see why so many are fearful of history repeating itself. Two big questions remain unanswered though; why was Madoff allowed to get away with his scheme for so long, and has the financial world really learned its lesson?
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Monday, April 04, 2016
Stocks & shares ISAs Deliver Weakest Performance Since 2008 Financial Crisis / Personal_Finance / ISA's
By: MoneyFacts
· The average performance of a stocks & shares ISA has fallen by 2.7% during the 2015/16 tax year so far, the worst growth since the 2008 financial crisis.
· This compares with an average cash ISA rate of 1.44% over the same period.
· The average stocks & shares ISA has failed to deliver positive growth in seven of the 17 tax years since the introduction of ISAs in 1999.
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Sunday, April 03, 2016
UEFA Champions League 2016 T-Shirts Quality Walkers Prizes Delivery 4 / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
It's our fourth delivery of prizes in the PEPSICo Walkers crisps UEFA Champions League easy to win promo. Today, for the first time we find out what the quality of T-Shirts is actually like. So find out in this video if the long wait has been worthwhile or not. The promotion is still running, so you have about 3 more weeks to win your own t-shirts, sharing bowls and footballs so make sure to check out our other videos giving tips on how to maximise wins.
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Thursday, March 31, 2016
How Pension Plans Are Coping With Financial Repression w/FRA / Personal_Finance / Pensions & Retirement
By: Gordon_T_Long
Professor and CEO of Create-Research Amin Rajan shares his knowledge with an in depth interview on Risk Mitigation and how European Pension Plans are Coping with Financial Repression with FRA Co-Founder Gordon T Long .
Amin Rajan worked as an economic forecaster in the UK treasury for over 8 years, and since then has been focusing on investment matters driven by macro investment behaviors catering to pension funds, insurance companies and wealth managers.
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Wednesday, March 30, 2016
Cash ISA Season Sees Interest rate Cuts Dominate by 90% / Personal_Finance / ISA's
By: MoneyFacts
The latest research from Moneyfacts.co.uk reveals that savers are facing the worst ISA season on record. ISA rates have hit rock-bottom lows, fuelled by the number of heavy cuts vastly outweighing any rises, with 90% of recent rate changes being cuts.
Since January, Moneyfacts.co.uk has recorded 151 rate changes for ISAs, of which 136 were rate cuts and just 15 were rate rises. Away from rate cuts there has also been a drop in the number of deals available, despite a few challenger brands entering the playing field.
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Tuesday, March 29, 2016
Using Crowdfunding As Part Of A Comprehensive Personal Finance Strategy / Personal_Finance / Money Making
By: Larissa_James
Crowdfunding is being used for everything these days, from launching promising startups to affording education. As you chart out your personal financial goals and the plan that you need to achieve them, you may find yourself wondering about the possibilities for crowdfunding to help you in your own life. This is especially true if you’re struggling with debt or if you can’t seem to get solid footing for yourself when it comes to paying your bills.
In some cases, crowdfunding is the right way to go, but you have to know what you’re doing; otherwise, you’ll earn zero donations, and you might damage your reputation in the process.