Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
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.
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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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.
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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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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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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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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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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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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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.Read full article... Read full article...
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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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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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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Friday, November 20, 2015
Consumer Choices - Why Buyers Buy / Personal_Finance / SME
By: Submissions
Veselina Dzhingarova writes: A look at the buying process and how and why consumers make the choices they do.
Most businesses, especially small businesses, don’t pay much attention to why buyers buy. According to Allen Stanley, President of Best Attorney Rankings “Many go about their business with an attitude of providing a good product with good customer service at a fair price. “ While that seems reasonable enough, a better understanding of the buying process and how and why consumers make the choices they do can be extremely beneficial for any size business.
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Sunday, November 15, 2015
A Simple myRA “Hack” to Supercharge Your Savings Interest Earnings / Personal_Finance / Savings Accounts
By: Investment_U
Andrew Snyder writes: For income investors, times have rarely been harder. But Obama may have just accidentally created a lucrative solution.
We all know the problem. The Fed.
In its effort to keep the Great Recession from turning into something even worse, the country’s monetary maestros cut rates and kept them there. More than eight years after pulling rates lower, interest rates remain, in the simplest terms, dead.
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Tuesday, November 10, 2015
The Key to Running a Successful Accounting Firm / Personal_Finance / SME
By: Submissions
Larissa James writes: When operating an accounting firm, it’s easy to get lost in routines and habits. And while it’s obviously important to focus on changing tax laws, evolving accounting procedures, and industry trends, you can’t forget about the basics. At the very heart of a firm’s success is that firm’s ability to connect with clients, engage them, and establish trust. If you’ve forgotten or overlooked this truth, you’re missing out on a major opportunity to grow your brand.
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Monday, November 09, 2015
As Credit Cards Interchange Cap Looms, Keep a Close Eye on Fees / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
The latest research by Moneyfacts.co.uk can reveal that credit card providers are anticipating the effects of the upcoming EU cap on interchange fees by taking a long, hard look at their credit card fees, rewards and interest rates.
On 9 December, credit and debit card processing fees, which are paid by a retailer’s bank to the cardholder’s bank for each purchase, will be capped at 0.30% and 0.20% respectively. The idea behind the change is that businesses will no longer have to pass excessive fees onto their customers.
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Thursday, November 05, 2015
Earnings - Pulling Out All the Stops / Personal_Finance / Wages
By: John_Mauldin
By Jared Dillian
When I was a teenager, I had a different sort of part-time job. I was a church organist.
Actually, it was the best job ever because I was something of a piano prodigy as a child. Around age 12, my parents and I had to make a conscious decision about whether I was going to pursue a career in music. I decided not to, which has greatly reduced the amount of Ramen noodles I have eaten over the years.
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Thursday, November 05, 2015
5 Killer Methods for Financing Your Online Business / Personal_Finance / SME
By: Boris_Dzhingarov
You’ve reached the tipping point. A product idea has transformed from prototype to sellable item, and you’ve sat down with a business partner to discuss your strategy for marketing, selling and producing the products in order to start making money.
The big question is: How are you going to get the startup capital to purchase that first batch? How about paying for the eCommerce website or at least founding your payment gateway?
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Monday, November 02, 2015
Customers Be Cunning With Cashback Cards When You Switch or Spend / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
In the run-up to the festive spending season, Moneyfacts.co.uk can reveal that customers could earn hundreds of pounds in cashback thanks to the enticing deals on offer today.
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