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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Thursday, May 31, 2007

Top Up Early and See your Cash and Shares ISAs Grow / Personal_Finance / ISA's

By: Nationwide

ISA holders could earn an additional £594 million by topping up at the start of the tax year

Nationwide Building Society estimates that people in the UK could receive an additional £594 million on their savings and investments by topping up their existing Individual Savings Accounts (ISAs) at the beginning of the new tax year, rather than at the end.

Read full article... Read full article...

 


Personal_Finance

Thursday, May 31, 2007

Credit card fees: What are you paying for? / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Michelle Slade of Moneyfacts.co.uk – the money search engine comments:“Since the OFTs intervention in the credit card market to cap penalty fees, card providers have used numerous rate and fee increases, and have tweaked terms and conditions in an attempt to recoup the lost revenue, with the latest tack being to introduce annual fees.

“Most annual fees recently introduced have the common condition to charge only when the card has low usage, either in terms of the frequency of transactions or their value.

Read full article... Read full article...

 


Personal_Finance

Thursday, May 24, 2007

What a Taxing Day and Life! / Personal_Finance / Taxes

By: Ty_Andros

I received this recently in an email and I realized the awful truth of it.  Be sure to read all the way to the End! This is a public servants ode to the taxpayer:

Tax his land, Tax his bed, Tax the table, at which he's fed. 
Tax his tractor, Tax his mule, teach him taxes, Are the rule. 
Tax his cow, Tax his goat, Tax his pants, Tax his coat. 
Tax his ties, Tax his shirt, Tax his work, Tax his dirt. 
Tax his tobacco, Tax his drink, Tax him if he tries to think. 

Read full article... Read full article...

 


Personal_Finance

Tuesday, May 22, 2007

UK Savings and Investment and Banking Services Update / Personal_Finance / UK Banking

By: MoneyFacts

Michelle Slade, Personal Finance Analyst at Moneyfacts.co.uk – the money search engine, comments:

• A new look is not always better – Halifax One Card
• Overdraft Fees: Lloyds takes a stand
• The return of capped rates – Birmingham Midshires
• Fixed rate savings reach new highs
• Over 50s savings grow

Read full article... Read full article...

 


Personal_Finance

Monday, May 14, 2007

What Savers Want / Personal_Finance / Savings Accounts

By: Nationwide

New research from Nationwide reveals what consumers want from a savings account

New research from Nationwide has revealed that over a third (35%) of people are saving on a regular basis and an additional 44% save from time to time when they have spare funds. It also confirmed that one in five (21%) fail to save anything at all.

Read full article... Read full article...

 


Personal_Finance

Saturday, May 12, 2007

Britain's Best Bank for Personal Banking, Current Account Services Poll Results / Personal_Finance / Current Accounts

By: Shahla_Walayat

The poll conducted by the MarketOracle.co.uk shows that out of a selection of 29 choices the highest votes cast for the best bank for UK personal banking services, (primarily current account and linked products) are for the Abbey National.

In total 617 votes were cast between 26th April and 11th May 2007. The top 8 financial institutions for personal banking services are -

Read full article... Read full article...

 


Personal_Finance

Wednesday, May 09, 2007

The Child Trust Fund Reaches its Second Birthday / Personal_Finance / CTF

By: Nationwide

But children are still losing out on a potential £7.5 million in the first 12 months

The Child Trust Fund recently celebrated its second birthday yet the latest Government figures showed that nearly a quarter of all Child Trust Fund (CTF) vouchers issued were not invested by parents within the 12 month time frame. Nationwide Building Society is calling on the Government to do more to encourage parents to invest their child's voucher sooner, so children do not miss out on significant interest or investment growth.

Read full article... Read full article...

 


Personal_Finance

Wednesday, May 09, 2007

SMEs set to benefit – business bank current account sector springs to life / Personal_Finance / SME

By: MoneyFacts

Lee Tillcock, Editor of Business Moneyfacts comments:“According to recent research by Standard Life Bank, British SMEs are missing out on just over a billion pounds a year by keeping their money in low-paying business current accounts, with 60 per cent unhappy with the level of interest they are paid.

Read full article... Read full article...

 


Personal_Finance

Tuesday, May 08, 2007

Personal Finance Update - A&L Regular Saver, Mortgages and PPI / Personal_Finance / UK Banking

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk – the money search engine, comments:

A&L regular saver makes a comeback

“Alliance & Leicester has relaunched its regular saver, but savers should still be ware of the limitations that such an account offers. Whilst the account offers a market-leading rate of 12%, this is limited to a total investment of £3K over a year, spread across maximum monthly contributions of £250. The account also requires that a Premier Current Account is opened, which pays 1.49% credit interest; that’s 4.45% lower than the award winning Premier Direct Account which Alliance & Leicester offers.

Read full article... Read full article...

 


Personal_Finance

Thursday, May 03, 2007

Vote for the Best Bank in Britain, Abbey National leads the pack / Personal_Finance / Current Accounts

By: Shahla_Walayat

With the UK local election voting taking place today, we remind readers of the ongoing Market Oracle poll on the Best UK Bank for Personal Banking services such as current accounts.

With some 230 votes in, the results so far show the following top 5 banking institutions by number of votes cast from a selection of 29 options.

Read full article... Read full article...

 


Personal_Finance

Saturday, April 28, 2007

The OFT to Investigate UK Personal Current Account Charges / Personal_Finance / UK Banking

By: Shahla_Walayat

In a recent statement the Office of Fair Trading announced that it is launching an study into personal bank current account pricing, alongside a formal investigation into the fairness of charges for unauthorised overdrafts and returned items.

Read full article... Read full article...

 


Personal_Finance

Friday, April 27, 2007

An Update on UK Savings Accounts, Mortgages and Store Cards / Personal_Finance / UK Banking

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk – the money search engine, comments:

Too many poor paying accounts

Moneyfacts.co.uk savings survey – key findings
• Average no notice / instant access savings rate is 3.65% (£5K)
• Average notice savings rate is 3.795% (£5K)
• 25% of no notice accounts pay rates below 3.10%, the CPI figure, while a staggering 69% pay less than 4.80% - RPI.
• 17% of no notice accounts pay rates equal to or greater than 5.25% - Bank Base Rate

Read full article... Read full article...

 


Personal_Finance

Thursday, April 26, 2007

VOTE NOW - Which UK Bank or Building Society Offers the Best Personal Banking Services? / Personal_Finance / UK Banking

By: Shahla_Walayat

The MarketOracle.co.uk asks: of the top UK banking & financial institutions, in your experience which do you consider offers the best personal banking services ?

The key items to consider when deciding your vote :

Read full article... Read full article...

 


Personal_Finance

Wednesday, April 25, 2007

Are Individual Voluntary Arrangements (IVAs) Too Good to be True? / Personal_Finance / Debt & Loans

By: Submissions

Cheryl Corker writes - IVAs were introduced by the government in 1986 as a legitimate alternative to bankruptcy. Since then they have become increasingly popular amongst those looking for a solution to their debt problems. A key contributor to the popularity of IVAs is the fact that in some cases they can result in a significant part of a persons debt being written off completely.

Read full article... Read full article...

 


Personal_Finance

Saturday, April 21, 2007

Beat Inflation By Increasing Your Real Rate of Return on UK Savings Accounts / Personal_Finance / Savings Accounts

By: Shahla_Walayat

Inflation as measured by the Retail Price Index (RPI) hit 4.8% this week. Which means that many savings accounts on the market are failing to keep pace with inflation and the value of your hard earned savings is falling.

Some of the most popular accounts such as Halifax Websaver at 5% and Cahoot Saving Account at 5.25% are paying basic rate tax payers a net return of just 4% and 4.2%. Which is less than the rate of inflation. Even at the top of the market range accounts such as ICICI Savings account at 5.65% fails to deliver a return in real terms, coming in at a net 4.52%.

Read full article... Read full article...

 


Personal_Finance

Friday, April 20, 2007

Nationwide Building Society today announces changes to its range of Fixed and Tracker rate Mortgages / Personal_Finance / Mortgages

By: Nationwide

Nationwide will be decreasing the rate on its two year tracker product for remortgagers and switchers. At the same time, Nationwide will be increasing some of the rates on its fixed and tracker rate mortgages. The new rates are available from Tuesday 24 April 2007.

Read full article... Read full article...

 


Personal_Finance

Wednesday, April 18, 2007

The Aftermath of the OFTs Credit Card Fee Capping Continues… / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Michelle Slade, personal finance analyst at moneyfacts.co.uk – the money search engine, comments: “It’s now almost a year since the OFT capped credit card penalty fees at £12, but the repercussions are still rumbling on with little sign of letting up. In the last two weeks alone a further seven providers have increased rates or fees (see table below).

“While other factors, including levels of bad debts will have an impact, it cannot be disputed that the OFTs actions has spread the cost burden to a much wider customer base, with card providers continually seeking ways to recoup this lost revenue.

Read full article... Read full article...

 


Personal_Finance

Wednesday, April 18, 2007

Switching Your Bank Current Account pays – Moneyfacts.co.uk experts practice what they preach / Personal_Finance / UK Banking

By: MoneyFacts

Michelle Slade, personal finance analyst at moneyfacts.co.uk – the money search engine, comments: “If you don’t trust your bank, or feel it is not offering you the best customer service, products or rates then why not vote with your feet and switch providers?

“The current account war shows little sign of abating, with several providers battling to offer the best current account rates and deals. So why not reap the rewards from switching? You will certainly find some great rates and perhaps an additional financial incentive too.

“In previous years Alliance & Leicester comfortably held the top spot for current account credit and debit interest rates, but more recently its position in the credit interest best buy tables has been hotly contested by the likes of Halifax, Abbey and Coventry BS.

Read full article... Read full article...

 


Personal_Finance

Wednesday, April 18, 2007

Will Buy to Let landlords say 'no' to housing benefit tenants? / Personal_Finance / Buy to Let

By: Submissions

Amy Watson writes: Private sector landlords are being advised to refuse tenancies to housing benefit claimants.

The Residential Landlords Association – which represents members owning over 100,000 private rented properties throughout the UK – is advising them to remove their homes from that market.

Read full article... Read full article...

 


Personal_Finance

Tuesday, April 17, 2007

Don't forget your existing Cash ISAs / Personal_Finance / ISA's

By: MoneyFacts

Rachel Thrussell , head of savings at moneyfacts.co.uk – the money search engine , comments: “As the new tax year begins, many of us will be shopping around for a home for our 2007/2008 ISA savings. But with up to eight years worth of ISA and the potential of up £9K TESSA contributions, your existing tax free cash savings pot could already be in excess of £33K, so it is equally if not more important to check you are getting the best possible deal on your existing savings too.

“Unfortunately its not as simple as looking for the best current deals, as almost all best buy rates won't accept transfers in (hence the ability to offer higher interest rates) and just under half of all ISAs currently available are open for current year's subscriptions only.

Read full article... Read full article...

 


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