Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Wednesday, March 16, 2016
Moneyfacts Comments on Savers and Borrowers Budget 2016 / Personal_Finance / UK Tax & Budget
By: MoneyFacts
The 2016 Budget was announced today and has now been reviewed by Moneyfacts.co.uk. So what does the new Budget mean for savers and mortgage borrowers?
Rachel Springall, Finance Expert at Moneyfacts.co.uk, said:
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Tuesday, March 15, 2016
Help to Save - Regular Savings Account to Pay 25% Interest per Year for FOUR Years! / Personal_Finance / UK Tax & Budget
By: Nadeem_Walayat
Last year the conservative led government bribed the grey vote in the run up to the UK general election by way of their Pensioner Bonds that paid a high 4% interest fixed for 3 years for the over 65's, near double the market rate of the time. We'll with the about to be announced 'Help to Save' scheme then soon it will be the turn of the low paid to reap a minimum return of 25% per annum for 4 years on regular savings of £50 per month!
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Tuesday, March 08, 2016
Worst Cash ISA Season on Record? / Personal_Finance / ISA's
By: MoneyFacts
Traditionally, this is the time of year when ISA providers boost their offerings to entice savers who have yet to use their full ISA allowance to invest before the current tax year ends. However, Moneyfacts.co.uk research shows that this year’s ISA season has yet to bear fruit, with savers now facing some of the worst ISA rates on record.
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Monday, March 07, 2016
Convenient Bank Overdrafts Borrowing – But at What Cost? / Personal_Finance / Debt & Loans
By: MoneyFacts
Borrowing from current account overdrafts is fast and convenient, but the cost of doing so has escalated in recent years, leaving many consumers to pay over the odds for their quick borrowing fix.
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Sunday, March 06, 2016
Top Tips for Winning Walkers Crisps UEFA Champions League Promotion Prizes / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
So far I have entered 350 codes off of walker’s crisp packets and won about 50 t-shirts, 20 footballs and 10 sharing balls. So here are my top tips for maximising the number of prizes won in the Walkers crisps UEFA champions’ league promotion.
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Saturday, March 05, 2016
Walkers Crisps UEFA Champions League Wins Prizes Delivery - Footballs and Sharing Bowls Unboxing / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
It's now just over 3 weeks since I first started entering the codes off of walkers crisps packets in their UEFA Champions League Game-Ready promotion and today I received my first delivery of prizes won, 6 footballs and 3 sharing bowls. Find out what they actually look like and what quality of the items is like in this video:
Tuesday, March 01, 2016
UK Fixed Bond Savings Interest Rates Fall Through the Floor / Personal_Finance / Saving Bonds
By: MoneyFacts
As far as the savings market was concerned, 2015 was the year of the challenger provider, and as a result rates crept up and positivity started to make a welcome return. However, research from Moneyfacts.co.uk shows that since the start of the year rates on fixed bonds have free-wheeled downhill to new lows.
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Monday, February 29, 2016
Average Credit Card Interest Rates Hit All-time High / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
The credit card market continues to be inundated with introductory interest-free deals, but behind the scenes the latest research from Moneyfacts.co.uk can reveal that the average purchase rate on all credit cards has hit an all-time high of 21.6% APR*.
Cardholders with a high interest credit card may not be fully aware of how much they pay over the long term or how much they could save by switching to a better deal. For instance, sticking with a high interest card could mean that it will take almost four years to clear a debt of as little as £1,000.
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Saturday, February 27, 2016
UEFA Champions League 2016 Walkers Crisps Instant Win Prizes Experience / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
It's literally child's play to win tons of UEFA Champions League prizes in Walkers Crisps promotion as this video of 8 year old Anika illustrates. Literally tens of thousands of official UEFA t-shirts, footballs and sharing balls are up for grabs and your virtually guaranteed several wins from every walkers crisps multi-pack (24).
Friday, February 26, 2016
UK Credit Card Expenditure Statistics / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
Rachel Springall, Finance Expert at Moneyfacts.co.uk, comments:
“The latest statistics from the UK Cards Association reveal the increasing popularity of contactless payments over cash. With 140 million contactless transactions made in December 2015, the equivalent of 52 payments every second, it’s fair to say that this method of payment has become a firm favourite among spenders.
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Thursday, February 25, 2016
Walkers Crisps Game Ready Win UEFA Champions League Prizes Delivery Update / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
This is an update on the status of the easy to win walkers crisps UEFA Champions League Game-Ready promotion, as today I received emails informing me to choose the sizes of 27 t-shirts! Find out the details of what to expect in terms of delivery of these and other prizes in this really easy to win t-shirts, footballs and sharing bowl prizes in my video update.
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Tuesday, February 23, 2016
People's QE: Central Bankers War on Savings / Personal_Finance / War on Cash
By: Sol_Palha
"It is not in the world of ideas that life is lived. Life is lived for better or worse in life, and to a man in life, his life can be no more absurd than it can be the opposite of absurd, whatever that opposite may be." ~ Archibald Macleish
QE for the people was actually proposed by Jeremy Corbyn last year in Britain last year, and it did not sit too well with, central bankers. Mark Carney Governor of the Bank England had the audacity to state that QE for the people would remove "fiscal discipline". Central bankers have been anything but disciplined; they have systematically created every boom and bust cycle for the past 50 plus years. To create a boom cycle, they loosen the cash spigots and vice versa. We are not stating that QE for the people is a good idea, but it's as good as any idea the central bankers have floated over the past 3-5 decades.
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Sunday, February 21, 2016
UEFA Champions League Football 2016 Free Tickets, Easy Win Walkers Crisps Prizes / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
The UEFA Champions League has Walkers crisps running an easy to win promotion that’s giving away about 50 tickets to UEFA Champions League football matches for 2016 and 40,000 other prizes such as t-shirts, footballs and sharing bowls.
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Tuesday, February 16, 2016
Savers Brace for More Savings Interest Rate Cuts / 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 four consecutive months, the first time this has happened since daily rate change monitoring began.*
In January, Moneyfacts recorded just 21 savings rate rises, with only one deal posting a significant increase of 0.20%. Disappointingly, rate reductions over the same period completely eclipsed this figure, with the number of rate decreases over the month standing at a staggering 138, with some deals falling by as much as 0.75%.
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Tuesday, February 16, 2016
Creditors: What’s Behind Their Interest in Investing in Your Debt? / Personal_Finance / Debt & Loans
By: Boris_Dzhingarov
According to some definitions, debts are financial obligations defined by law, that must be repaid to a creditor or lender who have invested certain amount of money and have decide to take a risk by borrowing money. In other words, they were fully aware that the loan taker might not be able to pay off the debt. But, it is an interesting fact that even though there is great risk involved in this activity and there are many people who fail to repay the money, the number of lenders and creditors is growing. So, why is this happening?Read full article... Read full article...
Monday, February 15, 2016
UEFA Championship League Easy to Win Walkers Crisps Prizes - Tickets, T-Shirts and Footballs / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
Walkers crisps are currently running a promotion that’s giving away about 50 tickets to UEFA Champions League football matches for 2016 and also 40,000 other prizes such as t-shirts, footballs and sharing bowls.
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Tuesday, February 09, 2016
How to Save Money by Using a Money Transfer Credit card / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
The credit card market continues to thrive, which is great news for borrowers looking for low or interest-free deals on purchases and balance transfers. Credit cards designed for money transfers shouldn’t be overlooked either, as they can often be an innovative way of tackling expensive debts, such as bank overdrafts.
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Monday, February 08, 2016
How to Save Money By Growing Your Own Homegrown Tomatoes Indoors From Seeds / Personal_Finance / Money Saving
By: Sami_Walayat
February is the right time of year to get started growing your own vegetables of which given the high shop prices tomatoes should be at the top of ones list. In this comprehensive guide spanning a whole years worth of growing I will show how literally anyone, even a child can easily grow hundreds of tomatoes indoors in a small pot from seed germination, to planting, to hand pollination, to pruning and then enjoying the fruits for a whole years worth of money saving crops of healthy fresh organically home grown tomatoes, good for your financial and physical health as well as delivering a lot of self satisfaction.
Friday, February 05, 2016
How Pension Plans are Responding to Financial Repression / Personal_Finance / Pensions & Retirement
By: Gordon_T_Long
In this 35 minute video, Chief Executive of CREATE-Research, Amin Rajan discusses investing in the age of financial repression as well as key points for risk mitigation with FRA Co-founder Gordon T. Long. CREATE-Research is a a network of prominent researchers undertaking high level advisory assignments for governments, global banks, fund managers, multinational companies and international bodies such as the EU, OECD and ILO. In 1998 Amin was awarded the Aspen Institute's Prize in leadership. It is a subject on which he has done extensive research involving some of today's outstanding business leaders. In two resulting publications, he has developed a close link between leadership and the emerging business models.
Monday, February 01, 2016
Savers Wait for a Miracle as the Savings Market Stagnates / Personal_Finance / Savings Accounts
By: MoneyFacts
The savings market has suffered considerably over the past few years thanks to lending initiatives and a low bank base rate, and the latest research from Moneyfacts.co.uk shows that savings rates have been on a clear downward trajectory as a result.
Since 2011, the average rate on a two-year fixed bond has almost halved, down from 3.20% five years ago to just 1.72% today. A similar pattern can be seen on longer-term bonds, with five-year fixed rates recording a drop from 4.01% to just 2.59% over the same period. Easy access deals have not been left unscathed from poor returns either, with a staggering 75% of the market paying 1% or less.
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