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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Wednesday, December 09, 2015

Why Your Bank Deposits May Be at Risk / Personal_Finance / War on Cash

By: EWI

Another financial crisis will bring widespread bank failures

Elliott Wave International's July issue of The Elliott Wave Theorist reminds us why bank depositors need to prepare for the worst before a nation's financial system is gripped by crisis:

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Personal_Finance

Monday, December 07, 2015

Popular One-year Pensioner Bond is Coming to an End / Personal_Finance / Saving Bonds

By: MoneyFacts

January marks the one-year anniversary of the launch of the 65+ Guaranteed Growth Bonds (also known as the Pensioner Bonds), which means that those who invested in the one-year fixed version would be wise to start looking for a new home for their cash.

It’s estimated that over a million older savers snapped up the one and three-year bonds paying 2.80% and 4.00% respectively last year. According to calculations by Moneyfacts.co.uk, savers will have earned £280 in interest before tax if the maximum of £10,000 was invested over the one-year term.

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Personal_Finance

Monday, December 07, 2015

How To Calculate VoIP Costs And Bandwidth In Order To Save Money / Personal_Finance / Money Saving

By: Boris_Dzhingarov

There are various different reasons why you would want to take advantage of VoIP (Voice Over Internet Protocol) services. We can say that there are numerous advantages that instantly appear when you compare with the regular telephony models. However, this does not mean that you can simply go to the first VoIP provider and get a wonderful deal that you are going to love. You want to be sure that you save as much as possible and that you make a good decision.

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Personal_Finance

Monday, November 30, 2015

Savers Start Saving for Christmas… 2016! / Personal_Finance / Savings Accounts

By: MoneyFacts

Christmas is just around the corner and our annual festive splurging is starting to step up. But with households expected to spend an average of £614.96* on Christmas this year, many are wondering why they didn’t put more money aside for the festivities.

Although it may seem a little early to start thinking about Christmas 2016, the fact that many of the best savings deals are fixed for 12 months means that, if you start now, your savings account will mature just in time for next year’s spending spree (see table below).

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Personal_Finance

Tuesday, November 24, 2015

Take Control of Your Debit and Credit Card Debts and Get Back in the Black / Personal_Finance / Debt & Loans

By: MoneyFacts

Consumers who are hoping to snap up a great deal in the upcoming Black Friday sales need to make sure they don’t lose their heads when its comes to their finances, warns Moneyfacts.co.uk.

Millions of shoppers are expected to take advantage of offers both in shops and online this Friday (27 November), but the cost of using an overdraft or a credit card to bag some goodies could kill the buzz of the bargain hunting.

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Personal_Finance

Monday, November 23, 2015

Building Societies Aiming to Win Over Savers From the Banks / Personal_Finance / Savings Accounts

By: MoneyFacts

It appears that the big banks have deserted savers, with multiple rate reductions causing their products to drop lower and lower in the market. However, building societies have used this to their advantage, by offering savers a local alternative to the mainstream banks.

Moneyfacts.co.uk has compared the savings offerings of building societies and banks and found that building societies are the irrefutable winners, as is highlighted in the table below.

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Personal_Finance

Friday, November 20, 2015

Consumer Choices - Why Buyers Buy / Personal_Finance / SME

By: Submissions

Veselina Dzhingarova writes: A look at the buying process and how and why consumers make the choices they do.

Most businesses, especially small businesses, don’t pay much attention to why buyers buy. According to Allen Stanley, President of Best Attorney Rankings “Many go about their business with an attitude of providing a good product with good customer service at a fair price. “ While that seems reasonable enough, a better understanding of the buying process and how and why consumers make the choices they do can be extremely beneficial for any size business.

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Personal_Finance

Sunday, November 15, 2015

A Simple myRA “Hack” to Supercharge Your Savings Interest Earnings / Personal_Finance / Savings Accounts

By: Investment_U

Andrew Snyder writes: For income investors, times have rarely been harder. But Obama may have just accidentally created a lucrative solution.

We all know the problem. The Fed.

In its effort to keep the Great Recession from turning into something even worse, the country’s monetary maestros cut rates and kept them there. More than eight years after pulling rates lower, interest rates remain, in the simplest terms, dead.

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Personal_Finance

Tuesday, November 10, 2015

The Key to Running a Successful Accounting Firm / Personal_Finance / SME

By: Submissions

Larissa James writes: When operating an accounting firm, it’s easy to get lost in routines and habits. And while it’s obviously important to focus on changing tax laws, evolving accounting procedures, and industry trends, you can’t forget about the basics. At the very heart of a firm’s success is that firm’s ability to connect with clients, engage them, and establish trust. If you’ve forgotten or overlooked this truth, you’re missing out on a major opportunity to grow your brand.

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Personal_Finance

Monday, November 09, 2015

As Credit Cards Interchange Cap Looms, Keep a Close Eye on Fees / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

The latest research by Moneyfacts.co.uk can reveal that credit card providers are anticipating the effects of the upcoming EU cap on interchange fees by taking a long, hard look at their credit card fees, rewards and interest rates.

On 9 December, credit and debit card processing fees, which are paid by a retailer’s bank to the cardholder’s bank for each purchase, will be capped at 0.30% and 0.20% respectively. The idea behind the change is that businesses will no longer have to pass excessive fees onto their customers.

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Personal_Finance

Thursday, November 05, 2015

Earnings - Pulling Out All the Stops / Personal_Finance / Wages

By: John_Mauldin

By Jared Dillian

When I was a teenager, I had a different sort of part-time job. I was a church organist.

Actually, it was the best job ever because I was something of a piano prodigy as a child. Around age 12, my parents and I had to make a conscious decision about whether I was going to pursue a career in music. I decided not to, which has greatly reduced the amount of Ramen noodles I have eaten over the years.

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Personal_Finance

Thursday, November 05, 2015

5 Killer Methods for Financing Your Online Business / Personal_Finance / SME

By: Boris_Dzhingarov

You’ve reached the tipping point. A product idea has transformed from prototype to sellable item, and you’ve sat down with a business partner to discuss your strategy for marketing, selling and producing the products in order to start making money.

The big question is: How are you going to get the startup capital to purchase that first batch? How about paying for the eCommerce website or at least founding your payment gateway?

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Personal_Finance

Monday, November 02, 2015

Customers Be Cunning With Cashback Cards When You Switch or Spend / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

In the run-up to the festive spending season, Moneyfacts.co.uk can reveal that customers could earn hundreds of pounds in cashback thanks to the enticing deals on offer today.

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Personal_Finance

Wednesday, October 28, 2015

22 Step Home Winter Weather Proofing Checklist to Save Money and Energy Costs / Personal_Finance / Home Maintenance

By: Sami_Walayat

With October soon drawing to close, now is the best time before the temperatures drop to conduct a relatively quick preventative home winter weather proofing survey that than can save on costly repair bills such as damage form blocked drains and gutters, leaking roofs and burst pipes that can result in soaring insurance premiums on claims, as well as save on costly excessive energy usage due to drafts, poor insulation and boiler problems.

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Personal_Finance

Monday, October 26, 2015

Someone Is Spending Your Pension Money / Personal_Finance / Pensions & Retirement

By: John_Mauldin

“Retirement is like a long vacation in Las Vegas. The goal is to enjoy it to the fullest, but not so fully that you run out of money.”– Jonathan Clements

“In retirement, only money and symptoms are consequential.”– Mason Cooley

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Personal_Finance

Monday, October 26, 2015

Children’s Savings Account Rates Worsen / Personal_Finance / Savings Accounts

By: MoneyFacts

The latest research by Moneyfacts.co.uk reveals that some child savings accounts have received shocking rate cuts over the course of 2015, with some deals now paying as little as 0.10% yearly.

The average children’s savings account currently pays 1.56% yearly*, down from the 1.61% paid a year ago. While this may seem like only a small drop across the market, this average masks the fact that some individual deals have had severe rate cuts.

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Personal_Finance

Friday, October 23, 2015

Coventry Building Society’s Poppy Fixed Rate Bond 2.35% for 3 Years / Personal_Finance / Savings Accounts

By: MoneyFacts

Coventry Building Society has re-launched its popular Poppy Bond, which pays a fixed yearly rate of 2.35% until 31.12.18 (2.33% gross, 2.36% AER monthly). The account has a minimum opening investment of just £1 but any additions will need to be made within 14 days of the account opening or before closure of the issue, whichever is later. A donation equating to 0.15% of the total invested balance will be paid to The Royal British Legion by the society.

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Personal_Finance

Wednesday, October 21, 2015

How the Big White Lie of Investing Could Cost You Your Retirement / Personal_Finance / Pensions & Retirement

By: DW

Mark Ford writes: I consider myself an expert of sorts on retirement. Not because I've studied the subject, but because I've retired three times.

Yes, I'm a three-time failure at retiring. But I've learned from my mistakes.
 
And I can tell you the biggest mistake retirees make is giving up all their active income...
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Personal_Finance

Tuesday, October 20, 2015

Over 65 and Looking for Finance? You’re Barred / Personal_Finance / Pensions & Retirement

By: MoneyFacts

Over the past few years personal finance products have come under greater scrutiny and tighter regulation in order to protect those with poor credit ratings from borrowing beyond their means. However, while this regulation has been put in place for the right reasons, it is also having a negative impact on older borrowers, who are increasingly facing high minimum income or funding requirements or, even worse, being turned away from finance altogether.

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Personal_Finance

Tuesday, October 13, 2015

Challenger Banks Herald a Savings Market New Dawn / Personal_Finance / Savings Accounts

By: MoneyFacts

Data from Moneyfacts.co.uk reveals that fierce competition is leading to encouraging signs of improvement in the savings market.

In the month of September, Moneyfacts has recorded 104 savings rate rises, with some increases being as high as 0.45%. This dwarfs the 28 rate reductions that have taken place over the same period. As a result, the best one-year fixed rate bond has increased from 1.90% a year ago to 2.10% today.

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