Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
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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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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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).
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.
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!
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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Tuesday, September 20, 2016
UK Petrol and Diesel Pump Prices Rip off Investigation Call / Personal_Finance / Gas - Petrol
By: Submissions
FairFuelUK Campaign: In the last month as the Brent oil price in Sterling has fallen 9.5% or £3.67 per barrel, wholesale diesel fell only 1.8% with petrol, in complete contrast, rising bewilderingly by 1.6%. We are reliably told that the average independent garage should reflect oil and wholesale price changes in just 7 days. True to type, in reality this continues not to be the case. With such significant falls in oil seen since 18th August, pump prices for diesel have instead been hiked by 1.89p and petrol by 1.71p per litre.
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Monday, September 19, 2016
Dramatic Falls in UK Savings Interest Rates / Personal_Finance / Savings Accounts
By: MoneyFacts
Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that long-term fixed rate bonds and ISAs have fallen, with long-term fixed rate ISAs falling for 11 consecutive months, plummeting to all-time lows yet again.
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Wednesday, September 14, 2016
2016 The Worst Ever Year for Annuity Income / Personal_Finance / Pensions & Retirement
By: MoneyFacts
As tomorrow marks Pensions Awareness Day (PAD), new research compiled by Moneyfacts has revealed that annuity rates are on track for their biggest ever annual fall. Based on a benchmark annuity (standard level without guarantee), the average annuity income for a 65-year-old has fallen by 14.8% on a £10K purchase price and by 15% on a £50K purchase price so far during 2016.
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Tuesday, September 13, 2016
Relentless Interest Rate Cuts are a Deterrent to Savers / 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 eleven consecutive months and that August has officially become the worst month this year for cuts.
In August, Moneyfacts recorded three savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases standing at a staggering 388, which translates as around 130 cuts to every rate rise, and some deals fell by as much as 1.30%.
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Monday, September 12, 2016
Moneyfacts UK Mortgage Trends Treasury Report / Personal_Finance / Mortgages
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, highlights that borrowers who took out a two-year fixed rate mortgage will have less incentive to switch from their Standard Variable Rate (SVR) to a new deal. The graph shows the difference between the two rates, which is the lowest it has been for six months.
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Sunday, September 11, 2016
Cheap Toddler Swing Chair Review - Buy Online from Amazon, EBay or Tesco stores / Personal_Finance / Reviews
By: Anika_Walayat
Find out how Toddler swing chairs are a cheap, cost effective way of keeping your toddler entertained during the summer months, at the very least save time on driving or walking to the local park, and then without waiting for an occupied swing to become vacant. This is a review of the cheap plastic toddler swing chairs typically sold on amazon, ebay and at supermarkets such as Tesco. So find out what you need to know before buying one.
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Tuesday, September 06, 2016
UK Credit Card Interest Rates on the Rise Despite Base Rate Cut / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
Credit cards are a frequently used method of payment, but despite a record-low bank base rate, credit card interest rates are not on a downward trajectory. Credit card competition has been concentrated on interest-free credit deals, but the contest is less intense than previous years, with little change to the longest interest-free terms.
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Saturday, September 03, 2016
Kid's Fun Fruit Trees and Plants Garden UK (E1 - August 2012) / Personal_Finance / Gardening
By: Anika_Walayat
This is the first in a series of videos starting August 2012, where 4 year old Anika first shows her fruit trees and plants garden in the UK from tropical trees such as Mangoes and Bananas to the traditional Apple and Cherry trees, nut trees including walnuts, almonds and hazelnuts, plenty of citric lemon and orange trees continuing with some raspberry and blackberries bushes strawberries and grape vines. Watch as the fruit trees and plants grow over the following seasons and years so you too can plan your own fun fruit filled kids gardens.
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Wednesday, August 31, 2016
UK Savings Market Left Devastated after Base Interest Rate Cut / Personal_Finance / UK Interest Rates
By: MoneyFacts
The Bank of England’s decision to drop the base rate has officially fuelled the fire of rate cuts across the savings market, making August the worst month of the year for cuts which total a devastating 354, compared to just 3 rate rises. This means that for every rate rise during the month there were 118 cuts.
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Monday, August 22, 2016
Cash ISAs still have some fight left in them / Personal_Finance / ISA's
By: MoneyFacts
Savers are likely to have lost all enthusiasm in getting a decent return on their cash, thanks to a lack of competition in the market fuelled by consecutive rate cuts over the years. In times of despair, savers are being warned of investing their cash in poor easy access accounts and instead to consider a cash ISA.
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Friday, August 19, 2016
Tesco Club Card Vouchers Days Out Tokens Cheapest Theme Parks Entry / Personal_Finance / Theme Parks
By: Anika_Walayat
All who shop regularly at Tesco's will each year build up a sizeable balance of clubcard vouchers that can be used for a whole host of purchases from groceries in stores, to restaurants, and cinema tickets. However, in many cases the most cost effective use of clubcard vouchers is to exchange them for tickets and tokens for entry into 180 venues across the UK including major theme parks as explained in this real world example of how Tesco vouchers converted into tokens are the cheapest route into many of Britain's theme parks such as Pleasure Island.
Saturday, August 13, 2016
TwinLakes Theme Park Summer Super 6 - FREE Entry / Personal_Finance / Theme Parks
By: Sami_Walayat
TwinLakes theme park situated near Nottingham are running a summer super 6 challenge, which results in an easy to obtain free entry for a family of 4 people to the theme park during September. Find out how it works in this video.
Tuesday, August 09, 2016
UK Bank Current Accounts Conundrum / Personal_Finance / Current Accounts
By: MoneyFacts
Current account customers who are considering switching their bank account will be facing an ever growing challenge to find the right deal. Now that the Competition and Markets Authority (CMA) have finalised the retail banking report, many customers will be hoping for more competition in the market for their business.
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Saturday, August 06, 2016
Best Cash ISA for Crash / Collapse in UK Savings Interest Rates / Personal_Finance / ISA's
By: Nadeem_Walayat
The Bank of England slashing UK interest rate from 0.5% to 0.25% in a panic to save its always teetering on the edge of bankruptcy bankster brethren from going bust again and to monetize government debt by means of quantitative easing, the smoke and mirrors phrase used for the Bank of England to print another £170 billion mostly for its banking sector friends to gorge themselves on, to generate additional artificial profits. The net effect of this 'THEFT' of purchasing power is that the price savers and workers have already been paying for 8 years has just gotten a lot worse!