Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Monday, August 02, 2010
Student Finance Best Current Accounts / Personal_Finance / Student Finances
By: MoneyFacts
In the next month, many students will be preparing to leave home 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.
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Monday, August 02, 2010
Graduate Finance Best Current Bank Accounts / Personal_Finance / UK Banking
By: MoneyFacts
As another academic year closes, many graduates are leaving university to enter very challenging times. Unemployment remains high and could increase further once public sector cuts are fully realised, leaving limited job opportunities for graduates.
Wednesday, July 28, 2010
2011: The Year Of The Tax Increase / Personal_Finance / Taxes
By: Pravda
Michael Snyder writes: Unless the U.S. Congress acts, there is going to be a massive wave of tax increases in 2011. In fact, some are already calling 2011 the year of the tax increase. A whole host of tax cuts that Congress established between 2001 and 2003 are set to expire in January unless Congress chooses to renew them. But with Democrats firmly in control of both houses that appears to be extremely unlikely. Read full article... Read full article...
Monday, July 19, 2010
UK Government Pulls Plug on Savers Inflation Theft Protection NS&I Index Linked Certificates / Personal_Finance / Savings Accounts
By: Nadeem_Walayat
One of the few defences against the governments inflation stealth tax, the NS&I Index Linked Savings certificates has been withdrawn from the market. The certificates paid RPI +1% resulting in an current tax free return of 6% per annum which is typically double the rate offered by the banks.
Monday, July 12, 2010
Retirement Planning, Why the "100 Minus Your Age" Rule is Wrong / Personal_Finance / Pensions & Retirement
By: DailyWealth
Tom Dyson writes: The other day, a millionaire asked me to construct a retirement portfolio for her...
Unfortunately, I don't have the right government certifications for this type of work, so I had to refuse the job. But it got me thinking...
Thursday, July 08, 2010
Halifax Children's Regular Saver Waste of Time Applying Online / Personal_Finance / Savings Accounts
By: Nadeem_Walayat
Savers could find they are wasting their time in trying to complete a lengthy online Halifax Children's Regular Saver application form, as the account application process resolves in the following error page (on several attempts) :
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Thursday, July 08, 2010
Time to Hit the Reset Button on Life / Personal_Finance / Employment
By: DailyWealth
Dr. Steve Sjuggerud writes: "We're going to have to write a big check to get out of our house," a friend told me over the Fourth of July weekend.
He's moving far away from here.
Monday, July 05, 2010
UK Fixed Rate Saving Bonds Hit All Time Low / Personal_Finance / Savings Accounts
By: MoneyFacts
Savers taking out a fixed rate bond today will receive up to 23.3% less interest than they would have nine months ago.
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Tuesday, June 29, 2010
FDIC Deposit Insurance, Yet Another Bailout for Reckless Savers and Investors? / Personal_Finance / Credit Crisis 2010
By: Nilus_Mattive
We all watched in horror as Washington bailed out failing financial institutions … dishonest lenders … and greedy borrowers and speculators with our tax dollars.
And as responsible savers and investors, we continue to suffer from the fallout as the Federal Reserve’s policies are keeping interest rates on traditional savings vehicles near zero.
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Tuesday, June 29, 2010
Cash ISA Reforms, Current Best Savings Accounts and Fixed Rate Deals / Personal_Finance / ISA's
By: MoneyFacts
The Office OF Fair Trading has today announced changes to the cash ISA market, which it has said will improve fairness and transparency for customers.
Michelle Slade, spokesperson for Moneyfacts.co.uk, commented: “The reforms to the ISA market are a welcome boost for savers, many of whom lost vital interest through the delays in transferring ISA money between providers.
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Sunday, June 20, 2010
Retirement Armageddon: The Video Seminar / Personal_Finance / Pensions & Retirement
By: Gary_North
Most people have heard some of the bad news. They have not heard it without the sugar coating. The reality is grim. How grim? Watch the video.
The sad thing is this: those who are most likely to be adversely affected are trapped. Some have retired. Others plan to, on the assumption that their retirement portfolios will sustain them. Yet their portfolios are in sad shape. They will have to sell assets in order to live comfortably.
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Friday, June 11, 2010
MoneyFacts Best UK Personal Finance Provider Awards of 2010 / Personal_Finance / UK Banking
By: MoneyFacts
The winners of the 2010 Moneyfacts awards were announced this afternoon at the Millennium Hotel, Mayfair, London. Some 300 industry professionals from leading financial institutions gathered at a special luncheon hosted by ITV News’ Economics Editor, Daisy McAndrew.
Tuesday, June 08, 2010
Ten Financial Freedom Benefits of Expatriation / Personal_Finance / Taxes
By: Casey_Research
Published by Casey Research : The following is an excerpt from the free 29-page American Expatriation Guide, written by a former U.S. citizen who wants to remain anonymous. Read what he has to say – from a “been there, done that” perspective – and maybe take your own first steps to move to greener pastures.
Everybody has their own personal reasons for expatriating, but here are some of the benefits:
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Monday, June 07, 2010
UK Credit Card Market Back Open for Business / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
The credit card market has seen a resurgence in recent months as card providers once again put the ‘open for business’ sign in the window.
In the last year the number of cards charging no interest on new purchases for at least 10 months has increased by 450%.
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Tuesday, June 01, 2010
Holiday Makers Don’t Get be Caught Out by Overseas Bank Charges / Personal_Finance / Money Saving
By: MoneyFacts
In the next few months many people will be planning to take their summer holiday, with many heading to South Africa for the World Cup.
While arranging your spending money may be 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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Monday, May 31, 2010
Capital Gains Tax Impact on Markets, Buy to Let Rush to Sell Properties / Personal_Finance / Taxes
By: Nadeem_Walayat
The FTSE is already suffering under the implications of the proposed Capital Gains Tax changes of expectations that the tax will rise from 18% to 40% which has resulted in gains being banked by private investors ahead of the tax hike on 22nd June. However the real hit from the tax hike will be felt not in the stock market but the property market, which hits the large number of buy to let sector investors who rely up on capital gains as an important element in generating total returns.
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Wednesday, May 26, 2010
Asda Price Guarantee (Sheffield Handsworth Prices) a Publicity Stunt ? / Personal_Finance / Money Saving
By: Nadeem_Walayat
With much fanfare and publicity, the Asda supermarket chain recently announced its online Price Guarantee Check service in an attempt at halting the drain of customers to its main rivals, the tool enables customers to enter every receipt online to be checked against prices derived from on Independant online price checking site, where customers receive a voucher for the difference if an alternative supermarket is cheaper. Sounds good until one starts applying it in practice and could find that virtually every receipt virtually always ends up being cheaper at Asda than at its rivals (as per my experience of 8 receipts).
Tuesday, May 25, 2010
Social Security and Retirement Planning Dilemmas and Obstacles / Personal_Finance / Pensions & Retirement
By: Nilus_Mattive
I’m getting so many reader questions about my parents’ Social Security and retirement, I could write a book about them.
You want to know:
What are my parents planning for their retirement?
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Wednesday, May 12, 2010
Average Stakeholder CTF Just £1 higher Than Cash Alternative / Personal_Finance / CTF
By: MoneyFacts
The latest survey by Investment Life & Pensions Moneyfacts has revealed how the value of the average stakeholder Child Trust Fund (CTF) has edged back past those of cash CTFs over the five years since the scheme was launched.
Wednesday, May 12, 2010
UK Bank Overdraft Interest Rates Hit Decade High / Personal_Finance / UK Banking
By: MoneyFacts
Despite bank base rate being at an all time low, authorised overdraft rates have hit their highest level in a decade.
The average authorised overdraft rate now stands at 14.22%. The last time overdraft rates were this high, bank base rate was 6.00%.
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