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Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Wednesday, September 26, 2012

What Happens When a Fixed Rate Bonds Mature? / Personal_Finance / Savings Accounts

By: MoneyFacts

Best Financial Markets Analysis ArticleIn these days of low returns, fixed rate bonds have for many become the savings vehicle of choice but what happens when the term comes to an end? Confusingly, there are three correct answers to this question.

  • Some providers will send you your money back
  • Some providers will put your money into a pre-designated account
  • Some providers will contact you
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Personal_Finance

Wednesday, September 26, 2012

The Best Cash ISA for Beating Bankster Fraud and Government Money Printing Inflation / Personal_Finance / ISA's

By: Nadeem_Walayat

Diamond Rated - Best Financial Markets Analysis ArticleBritain's savers have been fighting a losing battle since October 2008 when the crash in UK interest rates began following the Prime Minister of the time Gordon Brown taking control of monetary policy from a fumbling mumbling paralysed Governor of the Bank of England and started the ball rolling by announcing the first of a series of interest rate cuts all the way to 0.5% barely 5 months later by March 2009.

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Personal_Finance

Thursday, September 13, 2012

Student Loan Debt Slavery, Is College Worth It? / Personal_Finance / Student Finances

By: LewRockwell

Best Financial Markets Analysis ArticleEconomic Collapse writes: Every single year, millions of young adults head off to colleges and universities all over America full of hopes and dreams. But what most of those fresh-faced youngsters do not realize is that by taking on student loan debt they are signing up for a life of debt slavery. Student loan debt has become a trillion dollar bubble which has shattered the financial lives of tens of millions of young college graduates. When you are just starting out and you are not making a lot of money, having to make payments on tens of thousands of dollars of student loan debt can be absolutely crippling. The total amount of student loan debt in the United States has now surpassed the total amount of credit card debt, and student loan debt is much harder to get rid of. Many young people view college as a "five year party", but when the party is over millions of those young people basically end up as modern day serfs as they struggle to pay off all of the debt that they have accumulated during their party years. Bankruptcy laws have been changed to make it incredibly difficult to get rid of student loan debt, so once you have it you are basically faced with two choices: either you are going to pay it or you are going to die with it.

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Personal_Finance

Friday, September 07, 2012

Taxmageddon 2013: How to Prepare for Looming Tax Law Changes / Personal_Finance / Taxes

By: Money_Morning

Best Financial Markets Analysis ArticleLarry D. Spears writes: It's often said the only things certain in life are death and taxes - but this year, even taxes aren't a certainty.

At least not the specifics, thanks to Election 2012 and Taxmageddon 2013. Investors are left with more questions than answers.

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Personal_Finance

Wednesday, August 29, 2012

Numbing Effect of Savings Interest / Personal_Finance / Savings Accounts

By: MoneyFacts

It is hardly surprising that we have all become numb to the plight of interest on savings accounts. Everyone knows how miserably low they are.
 
In monetary terms, just how bad has it got?  It’s hard to imagine that only five years ago, Bank of England (BoE) base rate was 5.75%. The average no notice account paid 4.08% and to raise £100 in gross interest would have required a deposit of £2,451. Notice accounts paid an average of 4.23%, and to get the same return would have meant investing slightly less at £2,364.

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Personal_Finance

Wednesday, August 22, 2012

Bank Current Account Overdraft Chargers, the End of Free Banking / Personal_Finance / UK Banking

By: MoneyFacts

Why do banks need to charge for current accounts? Over the last ten years, the Bank of England Base Rate has fallen drastically but overdraft rates have had a ‘cushioned’ fall. 

The table below shows the average overdraft rate over the last ten years alongside BoE Base Rate. It highlights that although base rate is at an all-time low of 0.5%, overdraft charges are still making a sizable return for the banking sector.    

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Personal_Finance

Tuesday, August 07, 2012

UK Savings and Loans Market Rates Credit Crunch Five Years on / Personal_Finance / UK Banking

By: MoneyFacts

We are now five years into the credit crunch and the following table shows how it has affected our personal finances.

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Personal_Finance

Wednesday, July 25, 2012

Best Student Bank Current Account Overdraft & Fees Analysis July 2012 / Personal_Finance / Student Finances

By: MoneyFacts

Best Financial Markets Analysis ArticleCountless students will be preparing to leave home next month and head off to university.

For many it will be the first time they are fully in charge of their finances, with budgeting and bill paying becoming a necessary evil.

Due to the increase to course fees, student debt is set to become an even bigger problem, which is why all students should put their research skills to good use to find the most suitable student account for their needs.

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Personal_Finance

Wednesday, July 18, 2012

Don’t Let Credit Debtit and Pre-Paid Card Charges Ruin Your Summer Holiday / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Best Financial Markets Analysis ArticleAfter weeks of rain many people will be looking forward to their summer holiday and travel to warmer climes.

While arranging your spending money may not be the highlight of any holiday, a small amount of time and effort could see you making significant cost savings.

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Personal_Finance

Wednesday, July 18, 2012

ReGive 5% 1 Year Fixed Rate Savings Bonds Too Good to be True? / Personal_Finance / Savings Accounts

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleWhilst trawling through the internet, seeking a home for part of my dwindling cash mountain, I happened on what sounds like a too good to be true 1 year fixed rate savings bond paying 5% offered by ReGive, Who's ReGive ? I and probably most of you reading this will have never heard of this investment firm before that is seeking to hook interest starved savers with a high interest rate of 5% when the competition can barely muster 3.5%.

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Personal_Finance

Friday, July 13, 2012

Moves to Make Right Now to Protect Your Financial Future / Personal_Finance / Credit Crisis 2012

By: Money_Morning

Best Financial Markets Analysis ArticleKeith Fitz-Gerald writes: I hear from countless investors around the world every week. Many of them want to know what "else" they can do to protect their financial future, especially now that the markets could get ugly (again).

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Personal_Finance

Thursday, July 12, 2012

The Pitfalls Prepaid Credit Cards / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Prepaid cards are a useful cash management tool which is growing in popularity.    

However, it would be easy to pick the wrong card if you have not first been honest about your spending habits.

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Personal_Finance

Wednesday, July 11, 2012

Compound Interest and the Debt Bubble / Personal_Finance / Debt & Loans

By: BATR

Best Financial Markets Analysis Article"Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it." Albert Einstein

Without a comprehensive understanding in this axiom of the financial universe, much of public policy and finance is incomprehensible. The different positions of the borrower and the lender is obvious, but the notion that one can earn enough interest on savings to maintain the purchasing power of the principle is a bygone fantasy in the era of low interest rates.

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Personal_Finance

Tuesday, June 19, 2012

UK June CPI Inflation Shows Savers’ Hardship Continues Unabated / Personal_Finance / Inflation

By: MoneyFacts

Inflation figures released today show the Consumer Prices Index (CPI) fell during May, from 3.00% to 2.8%.

To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 3.50% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 4.70%.

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Personal_Finance

Monday, June 18, 2012

The American Debt Crisis, How to Save Your Money And Your Life / Personal_Finance / US Debt

By: Casey_Research

Best Financial Markets Analysis ArticleDoug Casey, Casey Research writes: I think there are really only two good reasons for having a significant amount of money: To maintain a high standard of living and to ensure your personal freedom. There are other, lesser reasons, of course, including: to prove you can do it, to compensate for failings in other things, to impress others, to leave a legacy, to help perpetuate your genes, or maybe because you just can't think of something better to do with your time.

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Personal_Finance

Friday, June 08, 2012

Financial Ignorance Is A Temporary Condition / Personal_Finance / Education

By: Richard_Mills

Best Financial Markets Analysis ArticleGeorge Mitchell, as a member of the Board of Governors of the Federal Reserve in 1966, began urging bankers to consider how "the computer can drastically change money and its use."

In the early 1970s a nationwide electronic funds transfer system was envisioned. The system would use individualized electronic identification cards and digitized bank accounts with merchants connected to them by telecommunication links.

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Personal_Finance

Tuesday, June 05, 2012

How the Banks Use Government To Make Us Suffer / Personal_Finance / US Politics

By: Michael_S_Rozeff

Best Financial Markets Analysis ArticleThere are many ways in which human beings have created means of exchange (currency, means of payment, money) that have worked successfully over long periods of time. There is the way that Menger explained, through discovery of a highly marketable commodity. This is the way in which precious metals gained ascendancy. Another way is through banks that have intermediated short-term (90-day) bills of exchange and provided bank notes. This was common for many centuries. Another way is through the deposits of goldsmiths at a bank in exchange for certificates that circulate. Fourth, governments have created tax certificates good for paying taxes, and these have functioned as means of exchange. We should not forget also that there have been many commodities that have been used as means of exchange.

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Personal_Finance

Wednesday, May 30, 2012

UK Fixed Rate Bond Interest Rates Starting to Fall / Personal_Finance / Savings Accounts

By: MoneyFacts

The average rate for a one year bond has dropped to 2.63%, its lowest point since March 2011. The availability of these accounts has continued to rise, however, from 101 last month to 139 today.

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Personal_Finance

Sunday, May 06, 2012

Get Rid of Your IRA, Don't put Gold or anything else in it / Personal_Finance / Pensions & Retirement

By: Gary_North

Diamond Rated - Best Financial Markets Analysis ArticleOne of the categories is "retirement." There is a lot of interest in retirement issues. One of them is what assets should go into an IRA.

I say "None." This is not a popular answer. I add, "especially gold." This is also unpopular.

Over the years, I have published articles on my site explaining these answers. But some subscribers do not use the search engine to locate these articles. Others do not believe me. Still others talk it over with their accountants. Their accountants offer rival views. Then they post a question that reflects their accountants' views.

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Personal_Finance

Sunday, May 06, 2012

Student Debt Bubble, Europe Crisis and More Q&A / Personal_Finance / Student Finances

By: Money_Morning

Best Financial Markets Analysis ArticleIt seems my Subprime Student Slaves article really struck a nerve! Nearly 250 of you subscribers wrote in to me in response to that one. Thank you.

As I said, I'm going to compile your comments, stories, and ideas in my letter to Congress and the President.

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

 


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