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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Monday, November 21, 2016

All Cash ISA Savings Interest Rates Plunge Below 1.00% / Personal_Finance / ISA's

By: MoneyFacts

Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that all ISA averages have fallen below the 1.00% barrier for the first time on Moneyfacts records.

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Personal_Finance

Thursday, November 17, 2016

Consumers should not bury their heads in the sand over debt / Personal_Finance / Debt & Loans

By: Submissions

To coincide with the first ever Financial Capability Week, the Credit Services Association (CSA) has issued some simple guidance around debt, and particularly how to avoid becoming a case of ‘mistaken identity’ and how to resolve the matter should it occur.

·       Keep creditors up-to-date with current contact details: If you move, change phone number, email address, or even change your name, inform all of your creditors, including your Local Authority. Most problems start when a creditor is unable to reach the customer at the last known contact address. This means that vital correspondence might never be received.

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Personal_Finance

Monday, November 14, 2016

Average Five-year UK Fixed Rate Mortgage Falls Below 3.00% / Personal_Finance / Mortgages

By: MoneyFacts

The cost of the average five-year fixed rate mortgage has fallen significantly over the past year, with many providers launching the lowest ever rates. This competition has seen the average five-year fixed mortgage rate fall below 3.00% for the first time on Moneyfacts.co.uk records.

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Personal_Finance

Thursday, November 10, 2016

Modi Heats Up Indian War Against Cash / Personal_Finance / War on Cash

By: Jeff_Berwick

The battle for a cash-only world is getting hotter. The latest battlefront? India.

The latest rupee news? Outrageous.

Prime Minister of India, Narendra Modi – beloved of Western elites for a variety of reasons – has just announced that all 500 Indian rupee Notes ($7.50) and 1,000 Indian rupee ($15) notes will no longer be considered legal tender.  The 500 and 1,000 rupee, by the way, are the two largest denominations in India.  Equivalent to the US banning the $100 and $50.

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Personal_Finance

Monday, October 31, 2016

Spooky Reality of Credit Cards High Balance Transfer Fees / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Having debt sitting on a card can be a scary thought, particularly if the debt is racking up interest. Borrowers would naturally assume that opting for the longest deal on offer would save them money, however, research from Moneyfacts.co.uk shows that some of longest deals can work out to be the most expensive.

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Personal_Finance

Sunday, October 30, 2016

Halloween Money Saving - How to Make a SCARY Pumpkin Lantern for Kids! / Personal_Finance / Money Saving

By: Anika_Walayat

For get buying any expensive gear or toys. Instead here's my easy to follow fun low cost money saving activity to do with your kids on Halloween, which is to make a scary pumpkin lantern! I'll show you how in this easy to follow step by step guide -

1.Choose a large pumpkin
2.Use s sharp knife to cut off the top
3.Dig out the insides, with a spoon and / or your hands. This is the toughest!
4. Use a marker pen to draw a simple outline of a face on the pumpkin. Eyes, Nose, Toothy Mouth.
5.... Watch the video!

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Personal_Finance

Tuesday, October 25, 2016

Points Reward Credit Cards that Become ‘Pointless’ / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Shoppers that frequently pay by card might decide to open a reward credit card to use as an alternative to their debit card, so that they can earn points every time they spend. However, not all cards are as rewarding as they may seem.

A points scheme is useful for those who want to gain a little extra by turning the points into vouchers or other rewards, but sometimes these rewards can take a long time and a significant spend to add up to anything worthwhile. In addition, some cards will charge higher rates of interest on purchases than could be achieved elsewhere, so if shoppers are not careful, the interest could outweigh any benefits.

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Personal_Finance

Monday, October 24, 2016

Average five-year Fixed Rate Savings Bond Falls Below 2.00% / Personal_Finance / Saving Bonds

By: MoneyFacts

Long-term fixed rate bonds used to be the premier solution for many savers looking for a decent return on their savings. However, Moneyfacts.co.uk data can reveal the disappointing news that the average five-year fixed bond rate has fallen to a record low, now standing below 2.00%.

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Personal_Finance

Wednesday, October 19, 2016

The Fed Destroyed US Boomers’ Retirement Dreams / Personal_Finance / Pensions & Retirement

By: John_Mauldin

The more I think about where the “monetary policy community” of academic elites has brought us, the angrier I get. It’s been a long time since I’ve been this passionately upset about something.

Almost everything the Fed did to us since 2008 falls into two broad categories: interest rate repression and quantitative easing.

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Personal_Finance

Tuesday, October 18, 2016

Savers have Little to look forward to as Interest Rate Cuts Keep Coming / Personal_Finance / Savings Accounts

By: MoneyFacts

Data from Moneyfacts.co.uk can reveal that rate reductions in the savings market have now outweighed rate rises for 12 consecutive months.

In September, Moneyfacts recorded 29 savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases standing at 164 – which translates to around six cuts to every rate rise – with some deals falling by as much as 0.75%.

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Personal_Finance

Monday, October 17, 2016

UK Savings Trends Treasury Report – product numbers fall to record low / Personal_Finance / Savings Accounts

By: MoneyFacts

Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that the total number of savings products has fallen to an all-time low, with a staggering 274 savings products withdrawn from the market since January.

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Personal_Finance

Friday, October 14, 2016

DIY Winter Home Maintenance Money Saving 22 Point Checklist to Get Ready for Winter/Fall / Personal_Finance / Home Maintenance

By: Adnaan_Walayat

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

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Personal_Finance

Tuesday, October 11, 2016

Child Savings Accounts Face Gruelling Interest Rate Cuts / Personal_Finance / Savings Accounts

By: MoneyFacts

It is unusual to see a mass of rate cuts on children’s savings accounts, but the latest research by Moneyfacts.co.uk reveals this is exactly what’s happening. More than 100 rate cuts have been made over the course of 2016 to child savings accounts, so much so that some deals are now paying as little as 0.10% per year.

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Personal_Finance

Monday, October 10, 2016

Bank Current Account Overdraft Fees Hit a High, Attacking Careful Customers / Personal_Finance / Mortgages

By: MoneyFacts

Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, highlights that the average two-year tracker rate has increased by 0.07% in just one month, bringing the figures back to July 2016’s level and cancelling out the “base rate effect”.

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Personal_Finance

Saturday, October 01, 2016

Why Nervous Pensioners Are Running for the Exit / Personal_Finance / Pensions & Retirement

By: EWI

The Dallas pension system embraces risk with alternative assets

[Editor's Note: The text version of the story is below.]

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Personal_Finance

Wednesday, September 28, 2016

The Fed Put a 50% Tax on Your Retirement Plan / Personal_Finance / Pensions & Retirement

By: John_Mauldin

If a politician said he thought he should tax the income from your retirement plan, right now, at 50% (no matter where you are in the retirement process, that would certainly hurt the ability of your portfolio to compound), what would you think (other than that he was completely Looney Tunes)?

But that's exactly what the Federal Reserve has done by keeping interest rates low.

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Personal_Finance

Tuesday, September 27, 2016

Save Up to 70% in Shopping Expenses for Daily Items / Personal_Finance / Shopping

By: ....

We have a series of tips to help you save money on purchases every day:

1) Buy Cheaper in Factories

Factory outlets can help you save a lot of money because the consumer can buy directly from the manufacturer without having to go through an intermediary (such as a traditional store, for example).

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Personal_Finance

Friday, September 23, 2016

Pension Shortfalls Could Be 4X To 7X Greater Than Reported / Personal_Finance / Pensions & Retirement

By: Dan_Amerman

  • The reported shortfall for the California Public Employees Retirement System (Calpers) is $139 billion - but that is based upon investment assumptions that may be unlikely in current markets.
  • As developed using a 40 year financial model and recent actual results, the real present value shortfall could be in the $500 billion to $1 trillion range, which is 4X to 7X as great as reported.
  • Calpers is used as a real world example to explore nationwide issues that could change our financial futures - and our choices - as investors, taxpayers and pension beneficiaries.
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Personal_Finance

Wednesday, September 21, 2016

TwinLakes Theme Park Summer Super 6 FREE Return Entry for Real? / Personal_Finance / Theme Parks

By: Sami_Walayat

Find out if upto 4 people really can easily gain FREE return entry to the TwinLakes theme park situated near the city of Nottingham via the easy to achieve Summer Super 6 challenge cards and thus save between £40 to £60 on what one would have paid for entry as we return to the Theme park with the promised FREE entry during a September weekend cards. So if you have a Twinlakes super 6 card then you still have time to capitalise upon it!

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Personal_Finance

Tuesday, September 20, 2016

Savers Could Earn Over 10% by Using a Current Account / Personal_Finance / Current Accounts

By: MoneyFacts

At a time when savings rates are reaching record lows, there are clearly far fewer ways of earning a decent return. Surprisingly, a current account could be a salvation for savers weathering the current climate, thanks to the rewards they offer.

By making use of the Current Account Switch Guarantee (which has been in force for three years this month), spenders and savers alike could earn up to £220 in the first year when moving their account.

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