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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Thursday, September 10, 2015

Virgin Money’s Record Beating 37-month 0% balance Transfer Credit Card / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Virgin Money has improved the terms of its Balance Transfer Credit Card MasterCard, increasing the 0% balance transfer term from 36 months to 37, the longest currently available. The card has therefore been awarded the highest Moneyfacts product rating of ‘outstanding’.

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

 


Personal_Finance

Tuesday, September 08, 2015

UK Best Current Accounts - The End of ‘Free’ Banking? / Personal_Finance / UK Banking

By: MoneyFacts

This month marks the two-year anniversary of the Current Account Switch Guarantee, and while many consumers have already taken advantage and switched providers, greater momentum could be caused by incoming changes to the retail banking market.

Last month the CMA reported that of the 17% of customers who start looking to switch their current account, a staggering 86% don’t go on to switch. It is also estimated that the annual rate of switching stands at just 3%, and worryingly, 25% of switchers move their account without researching the market first.* Meanwhile, frequent overdraft users were found to be the least likely group of consumers to move, due to the hurdles of securing an overdraft facility with their new bank and the complexities of comparing account charges (something that is increasing in importance as average authorised overdraft usage fees have crept up from £4.59 to £6.74 in just two years).

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Personal_Finance

Wednesday, September 02, 2015

How to Make Sure the Government Can’t Freeze Your Bank Account / Personal_Finance / Current Accounts

By: Casey_Research

By Justin Spittler

If you wake up tomorrow and your bank account is frozen… what will you do?

You probably remember when the financial crisis in Greece was dominating headlines a few weeks ago.

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

 


Personal_Finance

Wednesday, September 02, 2015

Parents Send Your Finances Back to School / Personal_Finance / Current Accounts

By: MoneyFacts

As parents breathe a sigh of relief as the kids go back to school, now is the perfect time to take stock of your finances and teach yourself a few things about personal finance. 

Charlotte Nelson, Finance Expert at Moneyfacts.co.uk, said:        

“A well-deserved sit-down to sift through your income and expenditure will highlight any areas you need to tackle. Fixing your finances sooner rather than later will lift a massive weight off your shoulders and make things far more manageable.”

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

 


Personal_Finance

Saturday, August 29, 2015

Don't Let 'The Glidepath Illusion' Ruin Your Retirement / Personal_Finance / Pensions & Retirement

By: DailyWealth

Dan Ferris writes: The traditional notion of retirement says you should take bigger risks in the stock market when you're young.

You have more time to make up for losses than when you're older. As you age, you should take less and less risk, so you won't lose your retirement money... so the conventional wisdom goes.

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

 


Personal_Finance

Thursday, August 27, 2015

The Ultimate Cash-Management Guide / Personal_Finance / Savings Accounts

By: DailyWealth

Dr. David Eifrig writes: No one talks about how to manage your cash.
 
As regular readers know, we suggest holding cash in an emergency fund and in your portfolio. If you've followed our advice, you likely have tens, and maybe hundreds, of thousands of dollars in cash.
 
But you need to give some thought to where you put it...
Read full article... Read full article...

 


Personal_Finance

Thursday, August 27, 2015

It’s Hard to Be Broke and Happy at the Same Time / Personal_Finance / Pensions & Retirement

By: Investment_U

Alexander Green writes: Editorial Note: There's no ignoring what's happening in the markets today. Global fears have sent U.S. stocks into a free fall. Of course, we're not going to pretend it's the best of times. But, as Alex has advised in the past, now is not the time to try and time the markets. In his words, "Nobody rings a bell at the top of the market. So the amateur lurches about and suddenly gets out... then finds that stocks keep going up without him." As we write, the Dow is already up 338 points from this morning's low. So keep that in mind as your fellow investors run screaming into the streets.

A new report from Bankrate.com reveals that more Americans than ever are saving nothing for retirement.

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

 


Personal_Finance

Thursday, August 27, 2015

Why Are "Bank Holidays" Always Announced on Sunday? / Personal_Finance / Credit Crisis 2015

By: MoneyMetals

David Smith writes: On Sunday, June 29, the Associated Press ran the following headline: "Greek Banks will not open Monday."

After a lengthy cabinet session, it was decided that Greek banks would remain closed for 6 working days, along with restrictions on cash withdrawals. In addition, financial sector officials confirmed the Athens Stock Exchange would not open the following week.

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

 


Personal_Finance

Thursday, August 13, 2015

Student Finance Bank Accounts - Choose Wisely / Personal_Finance / Student Finances

By: MoneyFacts

Within the next month, many students will be heading to university, and for some this could be the first time they will live away from home and be solely in charge of their money.

As a new chapter in their lives begins, students need to make sure they learn how to manage their finances throughout their further education, and one of the best starting points is picking a good student bank account.

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

 


Personal_Finance

Tuesday, August 11, 2015

Game Theory and Retirement Choices / Personal_Finance / Pensions & Retirement

By: Dan_Amerman

Game theory is a hot topic in many fields right now and for good reason - it can uncover better ways of making decisions, that are often otherwise missed. A particularly good example is the uncommon insights that game theory can deliver for us when it comes to making better retirement decisions.

For our decision-making "game", let's say there is a $1 million pool of money to be split between you and nine other people. If you wait until the end of ten years to cash out - you and everyone else are promised that you'll be equally entitled to $250,000 each.

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

 


Personal_Finance

Tuesday, August 04, 2015

Cutthroat Competition for UK One-year Fixed Rate Savings Bond / Personal_Finance / Savings Accounts

By: MoneyFacts

Over the past few years savers have had little to be cheerful about; however, research form Moneyfacts.co.uk can reveal that the savings market is once again showing signs of life.

Now that new banks are stepping onto the scene and competing for savers’ cash, Moneyfacts.co.uk has seen rates for one-year fixed rate bonds increase for one of the first times since the Funding for Lending scheme was introduced.

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

 


Personal_Finance

Wednesday, July 29, 2015

Regular Saving Accounts to the Rescue of Savers / Personal_Finance / Savings Accounts

By: MoneyFacts

Research by Moneyfacts.co.uk reveals that savvy savers who use regular savings accounts for their short-term savings goals are reaping the rewards, earning more interest than with any other standard savings account.

Savings rates have been obliterated in recent years, but regular savers have remained relatively unscathed; Best Buy deals have stayed on top for the last two years and average rates have resisted a dramatic downward spiral.

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

 


Personal_Finance

Wednesday, July 29, 2015

How Much Cash Should You Hold? / Personal_Finance / Credit Crisis 2015

By: DailyWealth

Dr. Steve Sjuggerud writes: "How much cash do you have at home?" I once asked a friend who is an extremely smart investor and businessman.

(The question wasn't too personal... He's a good friend and we talk about money. I had dinner with him at his home earlier this month in California.)

"I keep six figures at home," he replied.

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

 


Personal_Finance

Tuesday, July 21, 2015

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

By: MoneyFacts

Research by Moneyfacts.co.uk reveals that considerate customers who plan their authorised overdraft are being rewarded with higher fees, while those who fall into an unauthorised overdraft are seeing their costs reduce.

Providers traditionally charged interest on the amount customers borrowed in their overdraft, but in recent years other fees, such as usage fees, have been introduced. These fees sit either alongside the usual interest rate or in its place, and are designed to make bank charges clearer.

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

 


Personal_Finance

Tuesday, July 21, 2015

RCI Bank UK’s Freedom Savings Account / Personal_Finance / Savings Accounts

By: MoneyFacts

RCI Bank UK is bound to shake up the easy access market yet again with an increase to its Freedom Savings Account, which now pays 1.65% from a minimum investment of £100.

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

 


Personal_Finance

Monday, July 20, 2015

NISAs – Not that Nice After All / Personal_Finance / ISA's

By: MoneyFacts

A year ago George Osborne increased the ISA allowance to a whopping £15,000, enabling savers to stash more money away tax-free.

However, a year on and the ISA market is just as disappointing. In fact, since the launch of the NISA, rates have fallen ever further, with the average ISA rate dropping from 1.57% in July 2014 to just 1.44% today.

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

 


Personal_Finance

Thursday, July 09, 2015

Are Roth IRA Owners Likely To Be Subject To Double Taxation? / Personal_Finance / Pensions & Retirement

By: Dan_Amerman

Roth Individual Retirement Accounts are an uncommonly attractive and powerful method of creating wealth for retirement when viewed from the usual financial perspective. What sets them apart is that contributions are made with after-tax dollars, but withdrawals are made on a tax-free basis – which is the reverse of most other retirement accounts.

This is among the reasons why Roth IRAs are enormously popular with many millions of retirement investors in the United States and why they are so widely recommended by financial planners, CPAs and many other financial professionals.

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

 


Personal_Finance

Thursday, July 09, 2015

Budget 2015 - New 7.5% Tax on Dividends, Government Targets Small Limited Company Owners / Personal_Finance / UK Tax & Budget

By: Nadeem_Walayat

Whilst most eyes are on the deep tax credits cuts that amount to an average of £2k for 4 million households from April 2016 onwards. The Chancellor also announced changes to the taxation of dividends which will impact on small company owners who through limited companies currently are able to vastly reduced their tax bills through by a minimal salary so as to soak up the annual £10k tax free allowance and then pay the reminder of upto an additional £30k in dividends without paying any extra tax, due to the 10% dividend tax credit rule i.e. that for basic rate tax payers no additional tax is due on dividend income.

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Personal_Finance

Thursday, July 09, 2015

Working Child Tax Credit Cuts Average £2k per Household From 2016-17 / Personal_Finance / UK Tax & Budget

By: Nadeem_Walayat

As expected the Chancellor George Osborne took a hatchet to the Labour legacy Working and Child Tax Credits system that had mushroomed from an initial budget of £2 billion a year to £30 billion today, succeeding in creating a pool of some 4 million vested interest families and acting as a huge inducement for a 15 year long mass immigration trend into Britain which remains out of control as illustrated by the most recent immigration statistics (+318k).

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Personal_Finance

Tuesday, July 07, 2015

Current Accounts Become a Salvation for UK Savers / Personal_Finance / Current Accounts

By: MoneyFacts

Rachel Springall, Finance Expert at Moneyfacts.co.uk, comments:

“In the past, current accounts paid less favourable rates of credit interest than standard savings accounts, but today, things couldn’t be more different.

“Savers can earn over three times more interest using a current account compared with the best easy access account on the market.* For this reason, it wouldn’t be surprising if savers flock to these accounts and abandon standard savings accounts altogether.

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

 


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