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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Friday, October 17, 2008

Elegant Market-based Solution to the Financial Crisis / Personal_Finance / Credit Crisis 2008

By: David_Haas

Best Financial Markets Analysis ArticleTHE PROBLEM: In a strange and awkward way, some of us here in the mezzanine have experienced a rather morbid and dark sort of enjoyment as we watch those on stage who created the world-altering credit crisis, and the governments who enabled it, squirm and writhe - like a child caught in his first big lie - as they attempt to sort out the consequences of what they've done. What we see from our vantage point is, instead of coming clean, they continue adding layer-upon-layer of ever-glossier, ever-less-credible volumes to their original prevarications. In my opinion, this is EXACTLY NOT what the world needs right now.

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Personal_Finance

Thursday, October 09, 2008

Financial Safety During Financial Crisis and Stocks Bear Market / Personal_Finance / Financial Crash

By: Christopher_Laird

Diamond Rated - Best Financial Markets Analysis ArticleSince so many of the financial community talk endlessly about where to invest, it always seems good to focus on the issue of financial safety. In my view, way to much emphasis is given to getting investing ideas, and little to how to keep what you have. Lots of people get caught in that.

It doesn't help that the financial media, like CNBC is always saying ‘how can you play this' or where would you invest in this situation. There certainly is nothing wrong with that, and surely CNBC wants to be relevant and useful to their massive world audience. But, aren't there times where the clearest strategy is what NOT to do?

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Personal_Finance

Wednesday, October 08, 2008

Retirement Income Investing and Your Portfolio / Personal_Finance / Pensions & Retirement

By: Steve_Selengut

Best Financial Markets Analysis ArticleFirst, the good news: From June 2007 through September 2008 (i.e., during the credit crisis) Income CEF payouts per share were virtually unchanged. From June 2008 through September 2008, payouts rose slightly--- 29 funds raised their payouts and 17 lowered them. Your portfolio spending money should be higher than it was a year ago. Read full article... Read full article...

 


Personal_Finance

Tuesday, October 07, 2008

IceSave Bank Stops UK Customers Withdrawing Funds / Personal_Finance / Credit Crisis 2008

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleIceSave the UK arm of Icelandic bank Landsbanki has issued the statement on their website that they are currently suspending their UK banking operations which means UK customers CANNOT make withdrawals of some £4 billion saved with Icesave.

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Personal_Finance

Thursday, October 02, 2008

Savings Guarantee Raised to £50,000 to Halt Run on UK Banks / Personal_Finance / Savings Accounts

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleGordon Brown confirms that to all intents and purposes all UK savings are guaranteed to £50,000 per depositor per financial group. This is a reaction to the the Irish governments decision to guarantee all depositor savings at 100% for 2 years which has ignited a flood of scared monies seeking refuge within Irish banks that have operations within the UK. This has resulted in increasing calls from media commentators and politicians for the UK government to follow suit with a similar 100% blanket guarantee.

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Personal_Finance

Tuesday, September 30, 2008

Bailout Cost per US Tax Payer Analysis / Personal_Finance / Credit Crisis Bailouts

By: Richard_Shaw

Best Financial Markets Analysis ArticlePre-Vote Commentary- The bailout of Wall Street may not have ultimate costs as high as the nominal bailout amount, but the interest payments on the debt will come due immediately, and the recoveries from Wall Street, if any, will take many years.

The impact of the bailout which will surely happen in one form or the other, will impact taxes, interest rates, the exchange rate of the Dollar, imports and exports, foreign direct investment both in and out of the US, corporate sales and profits, and a long list of economic and investment dimensions too long to mention and to unknowable to predict.

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Personal_Finance

Wednesday, September 24, 2008

Best Cash ISA Tax Free Savings Accounts- Sept 2008 / Personal_Finance / ISA's

By: Shahla_Walayat

Best Financial Markets Analysis Article

The credit crisis meltdown that last week claimed the scalps of HBOS and Bradford and Bingley continues to exert upward pressure on UK savings interest rates as the banks are unable to borrow from one another on the interbank money markets. However the market has also witnessed drops in savings interest rates as the UK economy is slumping towards a recession with interest rate cuts, for instance Halifax has cut their Fixed Cash ISA rate from 6% to 5.5%. So it pays to do your home work as there is an extremely wide range of between 5% and 7.32%

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Personal_Finance

Wednesday, September 17, 2008

Financial System Collapsing- Three Steps To Protect Your Funds Now! / Personal_Finance / Financial Crash

By: Paul_Lamont

Best Financial Markets Analysis ArticleAs we stated last November : “In A Short History of Financial Euphoria , John Kenneth Galbraith observes: “All crises have involved debt that, in one fashion or another, has become dangerously out of scale in relation to the underlying means of payment.” We have now reached this ‘ Minsky Moment .' According to Morgan Stanley, the risk is now greater than 50% that the financial system “will come to a grinding halt.” In this Bloomberg video , Gregory Peters, head of Credit Strategy for Morgan Stanley, describes the process of securitization, which “has created this cheap financing environment,” as “broken.”

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Personal_Finance

Wednesday, August 13, 2008

Abbey Fixed Rate Bond Maturity Experience / Personal_Finance / Savings Accounts

By: Shahla_Walayat

The following is intended to save investors time and potential loss of interest in dealing with maturing Abbey fixed rate bonds.

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Personal_Finance

Tuesday, August 12, 2008

ICICI 7.2% Fixed Rate Savings Account / Bond Review / Personal_Finance / Savings Accounts

By: Shahla_Walayat

ICICI Bank is currently offering a market busting fixed interest rate of 7.2%, whilst at the same time speculation is growing of UK interest rate cuts around the corner in the wake of a fast slowing economy, therefore a small window of opportunity exists to lock into a high fixed interest rate as already some banks have stated to cut rates such as Birmingham Midshires.

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Personal_Finance

Sunday, August 03, 2008

Halifax Websaver Fixed Rate Savings Bonds Analysis / Personal_Finance / Savings Accounts

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleI have been tracking the Halifax fixed websaver rates for a number of years now, which includes periodically pulling the data down as the Halifax fixed rate websaver tends to usually provide good rates of interest whilst at the same time being easy to open for existing customers, the accounts can be opened instantly online and provide for instant online transfers between in house accounts.

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Personal_Finance

Saturday, August 02, 2008

UK 7% Plus Fixed Rate Savings Bonds- Aug 08 / Personal_Finance / Savings Accounts

By: Shahla_Walayat

Best Financial Markets Analysis ArticleDespite three interest rate cuts, UK fixed rates rose over the summer months to above 7% as cash starved banks, sought to get as much cash in through the doors as possible after failing to obtain credit on the money markets and rejected by the capital markets as evidenced by rights issue failures that prompted emergency action by arm twisting of the big banks to step in and buy up unsold stocks such as that of Bradford and Bingley.

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Personal_Finance

Friday, August 01, 2008

Americans Put Retirements on Hold as Fund Real Valuations Have Collapsed / Personal_Finance / Pensions & Retirement

By: Andy_Sutton

Best Financial Markets Analysis ArticleEveryone knows the story of the little boy who found that he was able to get into the cookie jar while Mom and Dad were busy doing chores around the house. First he took one cookie and rearranged the remaining morsels around so nobody would notice. Soon enough, however, he had to have another and repeated the process. We all know how this story ends. Eventually, the little guy had eaten so many of the cookies that it is no longer possible to hide the fact that there were but a few left. No amount of shuffling or jumbling could hide it any longer. Sadly, this is rather analogous to the state of retirement savings for many Americans today.

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Personal_Finance

Wednesday, July 30, 2008

British Gas Punishes UK Customers with 35% Price Hike / Personal_Finance / Household Bills

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleA 100% rise in the wholesale gas price has resulted in retail gas suppliers in recent days pushing gas prices sharply higher. First to raise was EDF which announced a 22% rise, quickly followed by Britain's biggest gas supplier British Gas which today announced a 35% price hike.

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Personal_Finance

Wednesday, July 30, 2008

Best Cash ISA Savings Accounts- Northern Rock Fixed Rates- July 2008 / Personal_Finance / ISA's

By: Shahla_Walayat

Best Financial Markets Analysis Article

Three bank of interest rate cuts have taken rates down to 5% from 5.75% and savers are still enjoying excellent Cash ISA savings interest rates courtesy of the ongoing credit crunch. However as the UK economy slows towards a possible there will be further cuts in UK interest rates and therefore cash ISA savings rates have started to decline from recent heady rates which in some cases passed 6.5%.

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Personal_Finance

Tuesday, July 29, 2008

Urgent Steps to Protect Your Savings from Bank Failures / Personal_Finance / Credit Crisis 2008

By: Money_and_Markets

Best Financial Markets Analysis ArticleSharon A. Daniels writes: The ongoing credit-crunch continues to shake-up financial markets in unexpected and frightening ways. It's hard to keep up with the fast-growing list of financial sector casualties. Just take a look at the fallout so far this year ...

ArrowBear Stearns : This, century-old, brokerage firm was on the verge of collapse in March when the Federal Reserve arranged a last-minute fire sale to JP Morgan to prevent bankruptcy.

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Personal_Finance

Tuesday, July 29, 2008

Depositors Require More Secure Financial Institutions / Personal_Finance / Savings Accounts

By: Paul_Lamont

Best Financial Markets Analysis ArticleAs we referenced last April , it is very important in a deleveraging environment to hold your U.S. Treasury Bills at a secure financial institution. Calling brokers and reps up and asking them if your funds are safe at their institution is like asking the fox if the chickens he is guarding are safe. What do you expect them to say? Since we are independent and only work for our clients, we have been diligently researching the different types of asset custodians. Here is what we found:

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Personal_Finance

Sunday, July 06, 2008

How to Save Money / Personal_Finance / Money Saving

By: wikiHow

Best Financial Markets Analysis ArticleSaving money is one of those tasks that's so much easier said than done. There's more to it than spending less money (although that part alone can be challenging). How much money will you save, where will you put it, and how can you make sure it stays there? Here's how to set realistic goals, keep your spending in check, and pay yourself first.

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Personal_Finance

Thursday, July 03, 2008

How to Get Rich / Personal_Finance / Money Making

By: wikiHow

It seems that everyone wants to get rich. There are books out on that subject, classes that are headed by someone who can show you an easy way to get rich, rich people willing to drop advice on how to get rich, and many other schemes that guarantee you will get rich fast. Getting rich is one of the main goals of most people, and while it is never easy, there are some sensible techniques that will increase your chances of getting rich.

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Personal_Finance

Friday, June 20, 2008

Inflation Out of Control- Three Ways to Protect Yourself / Personal_Finance / Inflation

By: Money_and_Markets

Best Financial Markets Analysis ArticleMike Larson writes: I hate to be the one to yell "FIRE" in a crowded theatre. But the time for keeping quiet has long since passed. The time for ignoring the gathering clouds of smoke is over. It's time to sit up, pay attention, and get your portfolio the heck out of harm's way ... because we have a full-scale, five-alarm, inflationary wildfire on our hands.

Allow me to walk you through the overwhelming, undeniable evidence ...

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