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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Saturday, March 27, 2010

Best Cash ISA Savings Account as April 5th 2010 Tax Year Deadline Looms / Personal_Finance / ISA's

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleFirstly, some great news in Labour's last Budget for ISA savers and investors, in that the ISA allowances will now rise in line with inflation which starts with the new total allowance of £10,200 from 6th of April 2010 for all ISA savers that basically makes up for not having indexed the original allowance of £7,200 for the past 10 years. For cash ISA savers this means £5,100 will rise annually inline with the RPI inflation index from April 2011 which will make significant difference over the long run i.e. at an average inflation rate of 3% the total annual ISA of £10,200 in 10 years time will stand at £13,708, with a total additional allowance of £18,440 (£9,220 cash) so a significant difference and an even greater potential for cash ISA's to be used as a relatively risk free pensions savings vehicle without all of the tricks, fees, charges and risks built into the existing stake-holder and personal pension plans that ensure pension investors don't get anything like the returns they are promised.

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Personal_Finance

Tuesday, March 23, 2010

The Beginning of the End of Free Banking / Personal_Finance / UK Banking

By: MoneyFacts

Speculation is rife that in tomorrow’s Budget, the Chancellor, Alistair Darling will announce that all UK citizens must be offered a basic bank account from UK banks if they want one.

Currently, basic bank accounts are available to the majority of customers, with only a few being declined in exceptional circumstances, including having a previous bankruptcy judgement against them.

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Personal_Finance

Tuesday, March 23, 2010

Inflation Continues To Erode the Value of Savers Money / Personal_Finance / Savings Accounts

By: MoneyFacts

Inflation figures released today show that the Consumer Price Index (CPI) has fallen to 3%, a level still well above the Government’s target of 2%.

To stop their savings pot effectively eroding away, a basic rate tax payer needs to find an account paying 3.75%, while a higher rate tax payer needs to find an account paying 4.98%.

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Personal_Finance

Thursday, March 18, 2010

Credit Risk Hits the 0% Balance Transfer Market / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Best Financial Markets Analysis ArticleVirgin Money’s decision to reduce its 0% balance transfer period from 16 to 14 months has highlighted another tactic by credit card providers who, over the course of the credit crunch, have adopted a risk based approach to lending.

The number of cards offering balance transfers has fallen by 10% since the credit crunch began in 2007. As of today, 152 out of 219 cards offer balance transfers deals, 140 of them at 0%.

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Personal_Finance

Tuesday, March 16, 2010

UK Petrol Prices to Hit Record High As Stealth Inflation Rages / Personal_Finance / Inflation

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleUK Petrol prices are set to hit new record highs over the coming weeks despite Crude Oil at near half its mid 2008 peak of $150, Why ?

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Personal_Finance

Tuesday, March 16, 2010

Conquer the Crash, What To Do With Your Pension Plan / Personal_Finance / Pensions & Retirement

By: EWI

Best Financial Markets Analysis ArticleEnjoy your 8 free chapters from Prechter's Conquer the Crash -- the book that foresaw what others have missed.

By Editorial Staff

There is no question that Robert Prechter’s Conquer the Crash foresaw and explained nearly every chapter of today's financial crisis, years before it happened. Enjoy your 8 free chapters from the book with this free Club EWI report; here's a quick excerpt from chapter 23, "What To Do With Your Pension Plan." Note especially the last two paragraphs.

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Personal_Finance

Tuesday, March 16, 2010

More Pensions and Retirement Disasters / Personal_Finance / Pensions & Retirement

By: Nilus_Mattive

Best Financial Markets Analysis ArticleI can’t believe the number of frightening retirement stories I’ve seen in just the last week. They suggest that the vast majority of our country’s citizens are completely unprepared for life after work. They point to a governmental backup system that is getting ever more desperate. And they suggest that other traditional sources of retirement income — such as corporate pensions — are in grave danger of imploding.

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Personal_Finance

Tuesday, March 09, 2010

UK Savings Interest Rates Tumble to Fund Mortgage Cuts / Personal_Finance / UK Interest Rates

By: MoneyFacts

Best Financial Markets Analysis ArticleIn order to maintain their balance sheets, providers can either offer competitive mortgage or saving deals, not both.

Since November 2009, mortgage rates have been reducing, but in order to fund these cuts, savings rates have fallen too (see appendix).

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Personal_Finance

Tuesday, March 09, 2010

Tax Free Cash ISA Deadline, Best Savings Account Pays 3.5% Interest Rate / Personal_Finance / ISA's

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleJust four weeks remain for savers to fully utilise at least the £3,600 cash element of their annual £7,200 ISA allowance. Even if you have already utilised this years allowance, savers need to ensure that they check the interest rates being paid on a regular basis, especially for those accounts that have matured as the banks and building societies are notorious for cutting rates on existing accounts and dumping matured accounts into pittance paying cash ISA accounts, paying as little as 0.1%. i.e. 1/30th the rate of a top current instant access account which on an ISA account balance of £3,600 means the difference between receiving £3.60 or £108 in interest per annum.

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Personal_Finance

Wednesday, February 24, 2010

Transfer Your Cash ISA to Maximise Savings Interest Rate / Personal_Finance / ISA's

By: MoneyFacts

The ISA season is now in full swing and there is growing competition amongst providers to secure that top Cash ISA rate.

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Personal_Finance

Monday, February 22, 2010

Two Cheers for Credit Cards / Personal_Finance / Credit Cards & Scoring

By: Robert_Murphy

Best Financial Markets Analysis ArticleEver since someone in grad school deviously introduced me to the concept of "irrational" debt aversion, I have been carrying credit-card balances that are far too high. Believe me, I understand the tricks these companies pull, like the clause in fine print where you unwittingly pledged away your firstborn.

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Personal_Finance

Tuesday, February 16, 2010

UK Savers Suffer as CPI Inflation Doubles / Personal_Finance / Savings Accounts

By: MoneyFacts

The consumer price index again rose even sharper to 3.50%, nearly double the Government’s target of 2%.  

Savings rates are still falling after a flurry of lenders cut a selection of mortgage deals. The average no notice rate fell by 0.02% to 0.73% since last month.

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Personal_Finance

Tuesday, February 09, 2010

Pension's Retirement Income Has Collapsed By More than 70% / Personal_Finance / Pensions & Retirement

By: MoneyFacts

Best Financial Markets Analysis ArticlePersonal pension savers are facing an uphill battle in their quest to fund a comfortable retirement, according to the latest survey by Investment Life & Pensions Moneyfacts.

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Personal_Finance

Saturday, February 06, 2010

Retirement Armageddon / Personal_Finance / Pensions & Retirement

By: Gary_North

Diamond Rated - Best Financial Markets Analysis ArticleI have just posted a video of my 90-minute seminar: "Retirement Armageddon." It presents the background for a series of nasty surprises.

For those of you who don't have time to watch a 90-minute video, let me summarize its implications.

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Personal_Finance

Wednesday, January 27, 2010

Why the Government Wants to Hijack Your 401(k) / Personal_Finance / Pensions & Retirement

By: Money_Morning

Best Financial Markets Analysis ArticleKeith Fitz-Gerald writes: It's bad enough that we've been forced to bail out Wall Street. But now the Obama administration is hatching plans to raid our retirement savings, too.

To say that I'm "outraged" doesn't come close to describing the emotions I experience every time I think about the government's latest hare-brained scheme.

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Personal_Finance

Monday, January 25, 2010

Cash ISA Savings Interest Rates Starting to Improve / Personal_Finance / ISA's

By: MoneyFacts

Traditionally ISA season starts to gather pace in mid February, but this year things appear to have started early.

Since the start of the year, new and/or revised products have been launched by, amongst others Alliance & Leicester, Birmingham Midshires, Chelsea BS, Leeds BS, The Post Office and Santander.

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Personal_Finance

Saturday, January 23, 2010

UK Savers Losing Money on Virtually ALL Instant Access Savings Accounts / Personal_Finance / Savings Accounts

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleThe savers and borrowers of Britain are being forced to pay for the crimes of the bankster's by an inept, incompetent, and culpable Labour government that has so far bent over backwards to placate the bankster's to the fullest extent even if it ultimately means bankrupting Britain.

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Personal_Finance

Friday, January 22, 2010

Major Credit Card Changes Looming for 2010 / Personal_Finance / Credit Cards & Scoring

By: Amber_Dakar

Best Financial Markets Analysis ArticleDo you remember the days of easy credit? It doesn’t seem that long ago when we “benefited” from loose lending standards in the credit card industry. It seemed like every day there were multiple credit card offers in the mailbox with no annual fees, extremely low and prolonged introductory interest rates, and very generous credit lines.

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Personal_Finance

Tuesday, January 19, 2010

Building Societies Better than Banks in Saving Accounts Interest Rates Consistency / Personal_Finance / Savings Accounts

By: MoneyFacts

Best Financial Markets Analysis ArticleBuilding societies have once again dominated the first Moneyfacts consistency survey of 2010, with 72.5% of all accounts listed as performing consistently.

Key points of the January 2010 Moneyfacts.co.uk Consistency Survey:

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Personal_Finance

Tuesday, January 05, 2010

Best Cash ISA Tax Free Savings Account for 2010 / Personal_Finance / ISA's

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleOne of your New Year resolutions should be to first fully utilise the cash element of your annual ISA allowance of £3,600, especially as it is a case of use it or lose it as we march towards the end of of the current tax year on April 5th 2010. Even if you have already utilised this years allowance, savers need to ensure that they check the interest rates being paid on a regular basis, especially for those accounts that have matured as the banks and building societies are notorious for cutting rates on existing accounts and dumping matured accounts into pittance paying cash ISA accounts, paying as little as 0.1%. i.e. 1/30th the rate of a top current instant access account which on an ISA account balance of £3,600 means the difference between receiving £3.60 or £108 in interest per annum.

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

 


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