Best of the Week
Most Popular
1. Gold vs Cash in a Financial Crisis - Richard_Mills
2.Current Stock Market Rally Similarities To 1999 - Chris_Vermeulen
3.America See You On The Dark Side Of The Moon - Part2 - James_Quinn
4.Stock Market Trend Forecast Outlook for 2020 - Nadeem_Walayat
5.Who Said Stock Market Traders and Investor are Emotional Right Now? - Chris_Vermeulen
6.Gold Upswing and Lessons from Gold Tops - P_Radomski_CFA
7.Economic Tribulation is Coming, and Here is Why - Michael_Pento
8.What to Expect in Our Next Recession/Depression? - Raymond_Matison
9.The Fed Celebrates While Americans Drown in Financial Despair - John_Mauldin
10.Hi-yo Silver Away! - Richard_Mills
Last 7 days
INTEL (INTC) Stock Investing in AI Machine Intelligence Mega-trend 2020 and Beyond - 18th Jan 20
Gold Stocks Wavering - 18th Jan 20
Best Amazon iPhone Case Fits 6s, 7, 8 by Toovren Review - 18th Jan 20
1. GOOGLE (Alphabet) - Primary AI Tech Stock For Investing 2020 - 17th Jan 20
ERY Energy Bear Continues Basing Setup – Breakout Expected Near January 24th - 17th Jan 20
What Expiring Stock and Commodity Market Bubbles Look Like - 17th Jan 20
Platinum Breaks $1000 On Big Rally - What's Next Forecast - 17th Jan 20
Precious Metals Set to Keep Powering Ahead - 17th Jan 20
Stock Market and the US Presidential Election Cycle  - 16th Jan 20
Shifting Undercurrents In The US Stock Market - 16th Jan 20
America 2020 – YEAR OF LIVING DANGEROUSLY (PART TWO) - 16th Jan 20
Yes, China Is a Currency Manipulator – And the U.S. Banking System Is a Metals Manipulator - 16th Jan 20
MICROSOFT Stock Investing in AI Machine Intelligence Mega-trend 2020 and Beyond - 15th Jan 20
Silver Traders Big Trend Analysis – Part II - 15th Jan 20
Silver Short-Term Pullback Before Acceleration Higher - 15th Jan 20
Gold Overall Outlook Is 'Strongly Bullish' - 15th Jan 20
AMD is Killing Intel - Best CPU's For 2020! Ryzen 3900x, 3950x, 3960x Budget, to High End Systems - 15th Jan 20
The Importance Of Keeping Invoices Up To Date - 15th Jan 20
Stock Market Elliott Wave Analysis 2020 - 14th Jan 20
Walmart Has Made a Genius Move to Beat Amazon - 14th Jan 20
Deep State 2020 – A Year Of Living Dangerously! - 14th Jan 20
The End of College Is Near - 14th Jan 20
AI Stocks Investing 2020 to Profit from the Machine Intelligence Mega-trend - Video - 14th Jan 20
Stock Market Final Thrust - 14th Jan 20
British Pound GBP Trend Forecast Review - 13th Jan 20
Trumpism Stock Market and the crisis in American social equality - 13th Jan 20
Silver Investors Big Trend Analysis for – Part I - 13th Jan 20
Craig Hemke Gold & Silver 2020 Prediction, Slams Biased Gold Naysayers - 13th Jan 20
AMAZON Stock Investing in AI Machine Intelligence Mega-trend 2020 and Beyond - 11th Jan 20
Gold Price Reacting to Global Flash Points - 11th Jan 20
Land Rover Discovery Sport 2020 - What You Need to Know Before Buying - 11th Jan 20
Gold Buying Precarious - 11th Jan 20
The Crazy Stock Market Train to Bull Eternity - 11th Jan 20
Gold Gann Angle Update - 10th Jan 20
Gold In Rally Mode Suggests Commitment of Traders (COT) Data - 10th Jan 20
Disney Could Mount Its Biggest Rally in 2020 - 10th Jan 20
How on Earth Can Gold Decline During the U.S. – Iran Crisis? - 10th Jan 20
Getting Your HR Budget in Line - 10th Jan 20
The Fed Protects Gamblers at the Expense of the Economy - 9th Jan 20
Last Chance to Get Microsoft Windows 10 for FREE! - 9th Jan 20
The Stock Market is the Opiate of the Masses - 9th Jan 20
Is The Energy Sector Setting Up Another Great Entry? - 9th Jan 20
The Fed Is Creating a Monster Bubble - 9th Jan 20
If History Repeats, Video Game Stocks Could Soar 600%+ - 9th Jan 20
What to Know Before Buying a Land Rover Discovery Sport in 2020 - 8th Jan 20
Stock Market Forecast 2020 Trend Analysis - 8th Jan 20
Gold Price at Resistance - 8th Jan 20
The Fed Has Quietly Started QE4 - 8th Jan 20
NASDAQ Set to Fall 1000pts Early 2020, and What it Means for Gold Price - 8th Jan 20
Gold 2020 - Financial Analysts and Major Financial Institutions Outlook - 8th Jan 20
Stock Market Trend Review - 8th Jan 20

Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Tuesday, March 27, 2007

Current accounts - an alternative home for your Savings / Personal_Finance / Current Accounts

By: MoneyFacts

Andrew Hagger, head of news and press at Moneyfacts.co.uk, the money search engine comments “Over the last couple of years we’ve seen the emergence of more current accounts offering high credit interest rates, some of which are on a par with the top paying savings accounts.

“Traditionally, people keep their current account for managing their day to day finances and maintain a separate savings account, often with a different institution, in which to hold their savings balances.

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

 


Personal_Finance

Monday, March 26, 2007

Moneyfacts comments on the Nationwide Building Society 25 year fixed rate mortgage / Personal_Finance / Mortgages

By: MoneyFacts

Julia Harris, mortgage analyst at moneyfacts.co.uk – the money search engine, comments: “The new Nationwide 25-year fixed rate mortgage is competitive when compared with other long-term fixed rates, particularly for those with a 10% deposit. It comes with a fee of £599 (and a £200 discount for existing members), which is not out of line, especially when you take into account some of the four figure or percentage based fees that we are now seeing for short term deals.

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

 


Personal_Finance

Monday, March 26, 2007

UK Mortgage fixed Interest rates start to fall / Personal_Finance / Mortgages

By: MoneyFacts

Denise Blake, mortgage analyst at Moneyfacts.co.uk – the money search engine, comments: “Following the shock base rate rise in January, fixed rate mortgages flew off the shelves as consumers rushed to get their hands on existing fixed rate deals before they were pulled. But with base rate remaining unchanged now for the last two months, some level of stability has returned.

“With swap rates starting to fall back, Moneyfacts.co.uk has seen eight lenders reduce their fixed rate mortgages over the last 10 days, some by as much as 0.40%.

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

 


Personal_Finance

Sunday, March 25, 2007

The Law of Attraction, The Secret, and The Science of Getting Rich Revealed / Personal_Finance / Money Making

By: Submissions

Now that we have a better understanding of the Law of Attraction, it is no surprise why so many people struggle with regards to money. It is been said that "the rich get richer while the poor get poorer". This is actually the Law of Attraction in action. Because the wealthy have money, they often think about how to best use their money and hence they attract more money.

The poor on the other hand often think about their present lack of money and unfortunately, that also attracts lack into their lives. Currently, 96% of the world's wealth is being earned by just 1% of the population!

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

 


Personal_Finance

Saturday, March 24, 2007

UK Women Become Spendaholic with Unsecured Loans / Personal_Finance / Debt & Loans

By: Submitter

Women in UK incur huge debt through unsecured personal loans which they spend on shopping and fashion.

As per the recent research on spending habits of women in UK by price comparison site Uswitch.com, the female population of the country owes unsecured loans of more than £20 billion and overdraft debt of £4.6 billion with the average summing up to £515.

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

 


Personal_Finance

Friday, March 23, 2007

Pensions - Retirement Planning Made Easy - Fixed Income Investing / Personal_Finance / Pensions & Retirement

By: Roger_Conrad

Fixed-income investing is absolutely essential to protecting and growing your nest-egg - if you know what you are doing.

As retirement approaches, your investment horizon shrinks. In other words, the closer you are to retirement, the less chance you want to take that you could lose a sizable portion of your investments. You want to more aggressively protect your assets from the stock market's volatility. Many advisors suggest that people at this point begin increasing the bond portion of their portfolio to 50% or more to lower their overall investment risk.

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

 


Personal_Finance

Friday, March 23, 2007

Tread carefully with low rate high fee mortgage loan combinations / Personal_Finance / Mortgages

By: MoneyFacts

Julia Harris, mortgage analyst at moneyfacts.co.uk – the money search engine comments: “During the last month we have witnessed the continuing trend for lenders to launch low rate high fee mortgages. But as fees rocket skywards, is there still a place in the market for low rate high fee products? And who benefits from these deals?

“The trend just highlights how some lenders and consumers are still keen to focus on interest rate, not the whole package. It is worrying that consumers may be duped into these deals, thinking they are getting the best possible rate, without realising the financial impact of such a large fee.

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

 


Personal_Finance

Thursday, March 22, 2007

Credit card providers still clawing back lost fee income…. / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Michelle Slade, personal finance analyst at Moneyfacts.co.uk – THE money search engine, comments: “Almost one year on from the OFTs response to tackle ‘excessive’ default fees, the credit card market still remains unsettled. Battling with rising bad debts, Bank of England rate increases and a huge loss in revenue from the capping of default fees, credit card providers have been forced to look for other ways to maintain their income stream.

“In the last two weeks alone, six credit card providers have made major changes to some or all of their cards. Changes range from interest rate increases, by as much as 10% (on cash transactions), to shortening of interest free deals. If you delve further into the small print of their terms and conditions, cash withdrawal fees and foreign usage charges are rising, but perhaps the sneakiest of all is the requirement to make purchases as part of a 0% balance transfer deal.

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

 


Personal_Finance

Wednesday, March 21, 2007

Gordon Brown's Budget 2007 - Basic Rate Income Tax cut to 20p! / Personal_Finance / UK Tax & Budget

By: Sarah_Jones

Gordon Brown delivered his 11th and final budget, these are the key highlights

Personal Taxation & Allowances

  • Basic Rate Income Tax cut from 22p to 20p (April 08)
  • 10% Tax Band abolished - Will mean low earners pay more tax.
  • NI upper limit raised £37,440 (April 08) - A large tax rise for middle class.
  • 40% Tax band threshold raised from £38,000 to £43,000 (April 09).
  • Further £1 billion to be spent on working tax credits.
  • Pensioners - Guarantee to rise to £130 per week by 2010.
  • Pensioners - TAx free allowance for under 75's to rise to £9,770 by 2011. And £10,000 for over 75's
  • Child Benefit to rise from £17.45 to £20 by 2010.
  • Childcare cash back will rise from 70% to 80%.
Read full article... Read full article...

 


Personal_Finance

Wednesday, March 21, 2007

Individual Savings Accounts (ISAs) becoming more complex - Not such an easy ISA / Personal_Finance / Savings Accounts

By: Sarah_Jones

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

“As the end of another tax year approaches, banks and building societies have been stepping up their efforts in an attempt to capture their slice of the huge ISA market.

“When the Mini Cash ISA was first introduced in 1999 as an easy tax efficient way to save, the majority of ISAs were straightforward, either instant access or notice and occasionally with an introductory bonus.

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

 


Personal_Finance

Tuesday, March 20, 2007

Barclays Bank launches 6.5% Best Cash ISA on the market and new simple savings accounts / Personal_Finance / Savings Accounts

By: Shahla_Walayat

With less than a month left for UK consumers to make the most of their current tax-free ISA savings allowance, Barclays from Friday 16th March introduces a new cash ISA paying 6.50 per cent AER interest. Customers are able to save from as little as £1 and up to £3,000 in each tax year.

Andrew Jones, Barclays Product Director, said: “This is the best no catches cash ISA rate to hit the high street this year. Interest rates have been going up in recent months but until recently the best AER you could get on a cash ISA was below 6 per cent.

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

 


Personal_Finance

Thursday, February 15, 2007

Brokerage account cash balances - Use Savings accounts and ETF funds to maximise returns / Personal_Finance / Investing

By: Hans_Wagner

Here is another example of how our stock brokers do not have their investors' best interest at heart. Brokerage firms have discovered that they can pay a very low rate to investors for their excess cash and then invest that cash in higher yielding alternatives. This is great for the brokers as many of them are reaping substantial profits from reinvesting their client's excess cash. Meanwhile their customers are receiving substantially less. According to a recent Wall Street Journal article “How Wall Street Sweeps the Cash,” January 7, 2007, Brokers pay as little at 1.5% when their money market funds are paying as high as 5%. Small investors are receiving the short end of the deal.

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

 


Personal_Finance

Saturday, February 10, 2007

SEC New Definition of Rich to Restrict Investments into Hedge Funds / Personal_Finance / Investing

By: John_Mauldin

The Securities and Exchange Commission (SEC) has posted a new proposed rule that would raise the minimum net-worth requirement needed to invest in private funds from $1,000,000 total net worth to $2.5 million liquid net worth. This is a major change, and it means that some 7% of American households will no longer be able to invest in private offerings. In my opinion, it is likely to become law in the not too distant future unless there is significant public comment. This week we look at the proposed rule and some of its consequences, as well as a very interesting proposal by SEC commissioner Roel Campos.

The Securities and Exchange Commission (SEC) has posted a new proposed rule that would raise the minimum net-worth requirement needed to invest in private funds from $1,000,000 total net worth to $2.5 million liquid net worth

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

 


Personal_Finance

Thursday, February 01, 2007

Alliance & Leicester (A&L) - Award Winning Premier Current Account with the 12% interest Premier Regular Saver Offer ends on 7th of Feb 2007 / Personal_Finance / Strategic News

By: Shahla_Walayat

Alliance & Leicester's award winning 'Premier Current Account' with the associated record paying 12% AER interest Premier Regular Saver Account, closes to new accounts on 7th of February 2007. So if you have been waiting to open an new A&L current account with the 12% Regular Saver, then its better to act now whilst time remains, as the 12% Regular Saver offer will be withdrawn as of 7th February 2007.

The Key Account Specs of the A&L Premier Current Account / 12% AER Premier Regular Saver are -

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

 


Personal_Finance

Monday, January 29, 2007

YouTube to Share Revenue with Content Providers - Make Money from your Home Movies / Personal_Finance / Money Making

By: Shahla_Walayat

In a video interview posted on the Youtube site, the CEO Chad Hurley, declares intentions of sharing advertising revenues with content providers. "In terms of paying users revenue against content they're uploading, we're definitely going to move in that direction," said Chad Hurley.

The intention is to continue to build and maintain the user base before the switch to an advertiser driven service - "We didn't want to build a system that was motivated by monetary reward. When you start giving money to people from Day One ... the people you do attract will just switch to the next provider that's paying more," he said. "We feel we're at the scale now that we'll be able to do that and still have a true community around video." He said.

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

 


Personal_Finance

Monday, January 29, 2007

Halifax (HBOS) Bank Error - Posts account details of 75,000 customers by mistake to an unsuspecting customer / Personal_Finance / Strategic News

By: Shahla_Walayat

Halifax the Bank that likes to give a little Extra, surely did when it posted off the bank details of 75,000 customers in 5 parcels to Stephanie McLaughlin of Aberdeen.

Ms McLaughlin had requested a copy of her own bank statement, but instead Halifax sent her 2,500 sheets of paper containing the bank details of 75,000 customers, which included names, sort codes, account numbers and details of transactions.

Halifax (HBOS) Bank Error - Posts account details of 75,000 customers by mistake to an unsuspecting customer

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

 


Personal_Finance

Saturday, January 27, 2007

UK Tax 2005-06 Self Assessment Tax Return Filing Deadline - 31st January 2007 / Personal_Finance / Strategic News

By: Shahla_Walayat

The billboards across the UK seem to have been taken over with the JAN 31 deadline for filing of self assessment tax returns, for the Tax year 2005-06. Failure to meet the deadline will mean an automatic £100 fine and ongoing penalty and interest charges for further delays in both filing of the return and making payment of tax due.

UK Tax 2005-06 Self Assessment Tax Return Filing Deadline - 31st January 2007

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

 


Personal_Finance

Friday, January 26, 2007

Reband your house and get thousands back off of your Council Tax payments and cut your annual Council Tax bill by hundreds / Personal_Finance / Analysis & Strategy

By: Shahla_Walayat

Council tax payers have the opportunity to have their properties rebanded and to have their council tax bill cut by £300 or more per year, in addition to receiving a repayment of the amount overpaid since 1991. Literally thousands of Council tax payers are having their houses rebanded lower and receiving thousands in repayments.

Reband your house and get thousands back off of your Council Tax payments and cut your annual Council Tax bill by hundreds

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

 


Personal_Finance

Saturday, December 09, 2006

Credit Card debt ? Top tips on Increasing and protecting your credit score / ratings / Personal_Finance / Analysis & Strategy

By: Nadeem_Walayat

With Households on both sides of the atlantic hitting record amounts of credit card debt, it has never been more important to ensure that you protect and improve your credit score ratings to enable you get the lowest interest rates and best terms when negotiating loans or applying for credit credits. Basically the higher your credit score the lower your payments will be !

Credit Card debt ? Top tips on Increasing and protecting your credit score / ratings

The Market Oracle has prepared a list of top tips that will help you take the right steps to save money on credit payments.

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

 


Personal_Finance

Sunday, November 12, 2006

Savings rates rise following the UK interest rate rise / Personal_Finance / Investing

By: Shahla_Walayat

Has your savings interest rate increased following the Bank of England's interest rate rise to 5% earlier in the week ? Many of the top paying savings accounts have increased, which includes those that carry a base rate tracking guarantee.

Savings accounts to increase interest rates -

  • ICICI Bank UK - has raised the rate on its online Hi Save account rises from 5.15% to 5.45%.
  • Chelsea BS Double Guarantee Account rises from 5.25% to 5.50%
  • Derbyshire BS Easy Save Tracker rises from 4.95% to 5.10%
  • Cahoot, has raised its online savings account to 5% from 4.8%.
  • IceSave rate will rise to 5.45% from 5.2% as of 15th November 2006.
Read full article... Read full article...

 


Page << | 1 | 10 | 20 | 30 | 40 | 50 | 60 | 67 | 68 | 69 | 70 | 71 | >>