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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Tuesday, January 26, 2016

UK Personal Loan Rates Tumble to Significant Lows / Personal_Finance / Debt & Loans

By: MoneyFacts

Personal loans have seen considerable rate cuts since the start of the year resulting in some of the lowest rates ever seen, Moneyfacts.co.uk records show.

Providers have been competing against each other for a place in the best buys, with Yorkshire and Clydesdale Bank most noticeably slashing rates by as much as 2.0%. Lenders are even cutting rates within days of each other in order to beat their rivals to the top spot.

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Personal_Finance

Tuesday, January 19, 2016

The International War on Cash / Personal_Finance / War on Cash

By: Casey_Research

By Jeff Thomas

Back in 2008, I began warning of increasing capital controls that we would see in the future, as a component in the decline of Western economies (Western in the broad sense, including Japan, Australia, etc.)

Along the way, it occurred to me that, at some point, governments might collectively attempt to eliminate paper currency in favour of an electronic currency - transferred from party to party solely through licensed banks. Sound farfetched? Well, maybe, but what if the U.S. and EU agreed on an overall plan, then suggested it to other governments? On the face of it, this smacks of conspiracy theory, yet certainly, all governments would benefit from this control and would be likely to get on board. In fact, it might prove to be the only way out of their present economic problems.

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Personal_Finance

Monday, January 18, 2016

Free Cash Incentives Tempt Bank Current Account Switchers / Personal_Finance / Current Accounts

By: MoneyFacts

Current accounts are renowned for their perks, which can include benefits such as insurance add-ons, but providers are now upping the ante by offering cash bonuses to entice new customers.

Since the launch of the Current Account Switch Guarantee in 2013, Moneyfacts.co.uk has seen a sharp rise in the number of cash incentives being offered with current accounts, with some deals boasting sums of up to £220 a year.

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Personal_Finance

Tuesday, January 12, 2016

Credit Cards Providers Fresh Battle for Balance Transfer Customers / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

The start of 2016 has initiated a fresh rate war between credit card providers, who have become embroiled in an intense battle to attract new customers.

Research from Moneyfacts.co.uk reveals that Bank of Scotland, Halifax, Lloyds Bank, TSB, Barclaycard and Tesco Bank have all scrambled to make changes to their balance transfer credit cards since the turn of the year by extending the interest-free terms or reducing the introductory balance transfer fee. Virgin Money also launched a 38-month 0% interest balance transfer deal (with a 2.79% fee) last week.

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Personal_Finance

Monday, January 11, 2016

Another Poor Year for UK Annuity Rates / Personal_Finance / Pensions & Retirement

By: MoneyFacts

New research from Moneyfacts has revealed that 2015 was another poor year for annuity rates as low gilts, uncertainty created by the new pension freedoms and preparations for Solvency II took their toll.

Annuity rates have more than halved since 1994

The research found that annuity rates in 2015 fell for the second year running, and have now declined in 17 out of the 21 calendar years since Moneyfacts started surveying the annuity market in 1994. During this period the average annual income payable from a standard level without guarantee annuity has fallen by a considerable 56%.

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Personal_Finance

Monday, January 11, 2016

A brand new year, but the same-old savings rates / Personal_Finance / Savings Accounts

By: MoneyFacts

The start of the New Year has prompted many to resolve to put more aside more money for a rainy day. However, while savers’ intentions are in the right place, Moneyfacts.co.uk’s research shows that few may be encouraged to follow through thanks to less than enticing savings rates.

In fact, the average easy access ISA rate has fallen by 0.19% from two years ago to stand at 1.06% yearly, the lowest level Moneyfacts.co.uk has ever recorded.

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Personal_Finance

Wednesday, December 30, 2015

U.S. Taxes - How I Beat the IRS / Personal_Finance / Taxes

By: Rodney_Johnson

A month ago I got a love letter from the IRS. Well, it didn’t exactly express emotion, but it definitely made clear they wanted to see me, and soon.

I was being audited.

The tax year in question was 2013, and they wanted to focus on K-1’s, basis for stock transactions, charitable contributions, and health insurance payments. I did what anyone would do. I called my accountant.

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Personal_Finance

Thursday, December 24, 2015

Christmas Eve Online Sales 2015, Boxing Day High Street Sales Full List / Personal_Finance / Shopping

By: Nadeem_Walayat

The Christmas high street sales frenzy is about to reach maximum intensity on Boxing day whilst most major retailers such as Next and PC World / Curry's will start their sales online on Christmas Eve so as to maximise profits from the the army of point and click armchair shoppers. Here is a comprehensive list of sales starting today, Christmas Eve and continuing into the high streets on Boxing day as well as those already well underway.

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Personal_Finance

Wednesday, December 23, 2015

The Big Short Movie Review / Personal_Finance / Reviews

By: James_Quinn

"The truth is like poetry, and most people ***** hate poetry."

The Big Short opens nationwide today. But it happened to have one showing last night at a theater near me. My youngest son and I hopped in the car and went to see it. I loved the book by Michael Lewis. The cast assembled for the movie was top notch, but having the director of Anchorman and Talledaga Nights handle a subject matter like high finance seemed odd.

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Personal_Finance

Wednesday, December 23, 2015

UK Christmas Sales 2015 High Street and Online Start Dates Full List / Personal_Finance / Shopping

By: Nadeem_Walayat

Britain's shoppers with more cash in their wallets look set to go on a debt fuelled spending binge at the cathedrals of modern Britain, though not quite as jam packed with shoppers as in years past as 2015 also looks like the first year where online shopping could exceed bricks and mortar shopping totals. Nevertheless there is plenty of cash to go around given consumers infected with sales fever hunting for bargains as Christmas has long since morphed into a month long relentless advertising campaign to keep spending all the way into January.

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Personal_Finance

Tuesday, December 22, 2015

UK Savers - Make Sure Your Bank Deposits Are Protected / Personal_Finance / Savings Accounts

By: MoneyFacts

Most banks looking for deposits from UK consumers have a UK banking licence and deposits with them are covered by the UK Financial Services Compensation Scheme (FSCS) for up to £85,000 per person (reducing to £75,000 per person from 1 January 2016).

However, European banks are also allowed to operate in the UK under their home country’s regulations. This is called passporting.

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Personal_Finance

Monday, December 21, 2015

UK Savings Interst Rates Recap of 2015 / Personal_Finance / Savings Accounts

By: MoneyFacts

This year we have seen new brands enter the savings market and Government proposals to encourage people to save, either towards their first home, or to secure a higher return of interest during retirement.

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Personal_Finance

Tuesday, December 15, 2015

Santa Claus…. Where’s My Interest? / Personal_Finance / Savings Accounts

By: MoneyFacts

Data from Moneyfacts.co.uk can reveal that rate reductions in the savings market are now outweighing rate rises for the first time since daily rate change monitoring began.*

In the month of November, Moneyfacts recorded 36 savings rate rises, with only one deal posting a significant increase of 0.80%. Disappointingly, these rises were eclipsed by the 73 rate reductions that took place over the same period, with some rates falling by a massive 0.86%.

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Personal_Finance

Monday, December 14, 2015

Debt Fears for UK Consumers who rely on Credit / Personal_Finance / Debt & Loans

By: MoneyFacts

Consumers are living on the edge by relying too heavily on credit and failing to put aside sufficient savings, according to a recent survey*. Moneyfacts.co.uk warns that those who don’t plan their repayments or, in the worst case scenario, lose their main source of income, could therefore find themselves living in fear of their debts as their credit spirals out of control.

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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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