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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Sunday, January 06, 2008

Credit Crunch Continues as Short-term Savings Interest Rates Remain High - Jan 08 / Personal_Finance / Credit Crunch

By: Shahla_Walayat

The worlds central banks announced in December 07 that they would take concerted action to help ease the liquidity crises that has been gripping the financial sector since August 07. Whilst this has had a big impact on the interbank market, this article looks at its impact on the personal savings market.

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Personal_Finance

Sunday, January 06, 2008

Best Mini Cash ISA Tax Free Savings Accounts for 2008 / Personal_Finance / ISA's

By: Shahla_Walayat

Concerted central banks action is attempting to cut money market interest rates, this has met with some success with the LIBOR rate falling from a peak of 6.8% to the current 5.75% This is resulting in a cut in savings interest rates, however the likelihood is that there will be further deep cuts in UK interest rates during 2008, therefore the warnings that I have been issuing over the last 5 months to lock your in Cash ISA rates now at high levels still stands, though the fixed rates approaching 7% are long gone.

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Personal_Finance

Tuesday, January 01, 2008

Savings Top Agenda for Consumers in 2008 - Top Tips for Savers / Personal_Finance / Savings Accounts

By: Nationwide

Research* from Nationwide Building Society has revealed that when it comes to finances, the number one New Year's resolution is to save more money in 2008. Nearly half of all respondents said that the one change they wanted to make in the New Year involved their savings, with 48% admitting they either wanted to save more or actually start saving money.

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Personal_Finance

Monday, December 17, 2007

UK Investments and Pension Funds Feeling the Winter Blues / Personal_Finance / UK Stock Market

By: MoneyFacts

With the end of another year rapidly approaching, now is an ideal time to reflect upon the key financial events of the past twelve months and what 2007 has meant for consumers. For most savers and investors 2007 has proved to be another challenging year.

So how have the different products fared over the last year, and what have been the major developments?

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Personal_Finance

Monday, December 10, 2007

UK Savers Benefit From the Liquidity Credit Crisis as Fixed Rates Rise Again / Personal_Finance / Savings Accounts

By: MoneyFacts

Andrew Hagger, Head of News and Press at Moneyfacts.co.uk, comments on the recent increase in short-term savings rates.

“It seems that some institutions had pre-empted the recommendations issued by the FSA yesterday and may have already been assessing their funding and liquidity positions, as a result attempting to bring in more funds through the front door.

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Personal_Finance

Monday, December 10, 2007

Children's Savings Accounts Could Be Costing Parents Over £6,000 In Tax / Personal_Finance / UK Tax & Budget

By: Nationwide

Nationwide calls for tax reform on children’s savings as Christmas approaches.

As 2007 draws to a close, Nationwide Building Society calls on the Government to bring about tax reform on children's savings in 2008. The Society reveals that parents who regularly pay money into their child's savings account could be faced with a tax bill of more than £6,000 over 18 years.1

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Personal_Finance

Wednesday, November 28, 2007

Poor Understanding of Monetary Value of 1% / Personal_Finance / Debt & Loans

By: Nationwide

Research from Nationwide Building Society reveals that 75% of people in the UK don't understand the monetary value a 1% difference in mortgage rates can make. A 1% difference in rates on a five year fixed rate mortgage deal could be worth over £4,000*. When given details of two five year mortgage deals to compare, the largest group of respondents (28%) said they thought the difference on a £120,000 mortgage with an interest rate at 5.6% compared to a rate of 6.6% would be between £500 and £2000. Another 23% said they had no idea at all. Only 25% of people correctly identified that the difference could be £4,000.

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Personal_Finance

Thursday, November 22, 2007

Best Mini Cash ISA Tax Free Savings Accounts - Nov 2007 / Personal_Finance / ISA's

By: Shahla_Walayat

The loss of confidence in the financial sector due to the US subprime mortgage sparked credit crunch had resulted higher money market interest rates over the last few months. Though as warned in several previous articles, these high rates are slowly in the process of being withdrawn from the market in advance of cuts in UK interest rates. Though opportunities do still exist to lock in relatively high rates before the first cut in UK interest rates. The following table represents a selection of the best Cash ISA accounts currently available.

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Personal_Finance

Wednesday, November 21, 2007

How To Protect Yourself From UK Child Benefit Bank Records Loss / Personal_Finance / UK Banking

By: Sarah_Jones

Best Financial Markets Analysis Article

The Child Benefit Agency has lost the personal details of every parent who receives child benefit, including names, addresses, dates of birth, national insurance numbers, child benefit numbers and bank accounts. As a result, 25 million people are now vulnerable to identity fraud if the data on two discs falls into the wrong hands.

They aren't the only ones. In a matter of weeks, data breaches have been reported by organisations as diverse as Standard Life and Next.

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Personal_Finance

Wednesday, November 21, 2007

Nationwide Launches New Range of Fixed Rate Savings Bonds Paying Up To 6.70% / Personal_Finance / Savings Accounts

By: Nationwide

Nationwide Building Society has today launched a new range of Fixed Rate Bonds offering highly competitive rates and guaranteed returns for savers. With effect from Monday 19 November 2007, the following new Bonds will be available:

  • One year Loyalty Fixed Rate Bond paying 6.70%
  • One year e-Bond paying 6.70%
  • One year Fixed Rate Bond paying 6.60%
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Personal_Finance

Sunday, November 18, 2007

Halifax - Some Bad News for UK Savers / Personal_Finance / Savings Accounts

By: MoneyFacts

Halifax has announced today that it is reducing its core savings rates by up to 0.25%. Rachel Thrussell Head of Savings at Moneyfacts.co.uk the leading independent financial comparison site comments: “Whilst we have seen the launch of some competitively priced savings products this week, Halifax has bucked the trend by cutting rates on its core range. It is uncommon to see a provider reduce their rates in a period of base rate stability.

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

 


Personal_Finance

Thursday, November 15, 2007

How Much Does Your Christmas Shipping On Your Credit Card Really Cost? / Personal_Finance / Credit Cards & Scoring

By: Nationwide

Half of credit card holders do not know the rate they pay

With Christmas around the corner people are getting ready for one of the most expensive and stressful times of the year. A new survey by Nationwide Building Society has revealed that the majority of respondents (55%) still brave busy shopping centres to buy most of their Christmas gifts rather than shopping online. In addition to this the research shows that half (50%) of respondents do not know what rate they pay on the credit card they use most often.

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Personal_Finance

Tuesday, November 06, 2007

Credit Crunch Causes Credit Card Chaos / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Best Financial Markets Analysis ArticleA survey carried out by Moneyfacts.co.uk reveals in the last two months credit cards have been hit hard by rising charges, in particular cash withdrawal fees and rates,

  • 69 cards have seen increased cash withdrawal fees
  • 25 cards now face higher cash withdrawal rates
  • 18 cards have been hit by higher foreign usage charges
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Personal_Finance

Thursday, October 25, 2007

UK 2008-09 Income Tax Allowances, National Insurance Contributions, Child and Working Tax Credit Rates / Personal_Finance / UK Tax & Budget

By: Sarah_Jones

Best Financial Markets Analysis ArticleThe UK Government's published 2008-09 rates and allowances for Income Tax, National Insurance Contributions, Working and Child Tax Credits, Child Benefit/Guardian's Allowance and State Pension and Pension Credit. These are set out below. Rates for other benefits will be announced later this year by the Secretary of State for Work and Pensions.

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Personal_Finance

Thursday, October 25, 2007

Northern Rock Savers to be Allowed to Restore Lost Cash ISA Tax Advantage / Personal_Finance / ISA's

By: Submissions

Best Financial Markets Analysis ArticleThe Economic Secretary, Kitty Ussher, has announced that the Government would allow people who during the recent financial market disruption withdrew cash from Individual Savings Accounts (ISAs) held at Northern Rock – and in the process lost their tax advantages – to re-deposit that money into a cash ISA with Northern Rock or any other provider, restoring their tax advantages.

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Personal_Finance

Tuesday, October 23, 2007

How to Profit from Christmas Spending / Personal_Finance / Money Making

By: MoneyFacts

Best Financial Markets Analysis ArticleSamantha Owens, Head of Personal Finance at Moneyfacts.co.uk - the leading independent financial comparison, site comments: “Believe it or not there are only 10 weeks before Christmas. Looking round the shops, even now, you can see the decorations starting to dominate the floor. Shops are ready for the festive season, so why not prepare your own finances too? By making the most of the credit card deals available, you could even profit from your Christmas spending.

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Personal_Finance

Monday, October 22, 2007

Variable and Fixed Rate Mortages at the Same Price – That Can’t Be Right! / Personal_Finance / Mortgages

By: MoneyFacts

Julia Harris, Mortgage Expert at Moneyfacts.co.uk - the leading independent financial comparison site, comments:“The sub prime sector continues to see most of the action in the mortgage market, with still rising rates and tightening credit criteria. By comparison the prime mortgage market, albeit slowly, is reacting to the stable base rate and falling swap rates, bringing the market into an unusual equilibrium whereby fixed and variable deals are priced similarly.

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Personal_Finance

Saturday, October 20, 2007

Credit Crunch Still Biting as Halifax Raises Short-term Fixed Savings Interest Rate - Oct 07 / Personal_Finance / Savings Accounts

By: Shahla_Walayat

The Credit Crunch which has resulted in much higher interbank rates continues to benefit savers. The Halifax's flagship online savings account, the 'WebSaver' on face value offers a relatively low interest of just 5.3%, but dig a little deeper and you would be surprised by the ultra short-term fixed rates currently available with the 3 month rate surging to 6.88% AER

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Personal_Finance

Friday, October 19, 2007

Offshore Savings Rates Regain Some Appeal – But Are Your Savings Safe! / Personal_Finance / Savings Accounts

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk - the leading independent financial comparison site, comments: “In the wake of the onshore savings rate war, first in the fixed rate market and subsequently with variable rate products, the offshore market has stolen the march in the last week, offering rates to win the battle hands down.

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

 


Personal_Finance

Sunday, October 07, 2007

Tips For Graduates Keen To Get On The Housing Ladder / Personal_Finance / UK Housing

By: Nationwide

The summer is over, the studying complete, and, for numerous new graduates, full time working life is in full flow. For many, home-ownership will be the next landmark achievement to tick off the list but, with student debts and house prices continuing to rise, this may seem like an impossible challenge.

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