Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Thursday, January 26, 2017
HMRC Self Assessment Online Filing System Down as Tax Return Deadline 2017 Looms / Personal_Finance / UK Tax & Budget
By: N_Walayat
HMRC's online system has been down for many if not most users for several hours today as the deadline for filing self assessment tax returns looms large (31st of Jan 2017). Tax payers trying to log into the system are typically met with the following message -
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Tuesday, January 24, 2017
UK Current Account Sweeteners That Can Turn Sour / Personal_Finance / Current Accounts
By: MoneyFacts
Current accounts can offer some fantastic perks for switchers or savers, but if consumers failed to grab a top deal last year they would be disappointed to know that some banks have clawed back their perks.
Additionally, using the overdraft facility on some of these accounts over a long period can turn upfront cash sweeteners quite sour. The Current Account Switch Guarantee is well established, following its launch in 2013, but the latest research by Moneyfacts.co.uk can reveal that cash switching incentives, which could be a big enticement to switch, are in fact being cut down.
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Tuesday, January 17, 2017
Rising UK Inflation Means it’s Still a Dreadful time to be a Saver / 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 15 consecutive months.
In December, Moneyfacts recorded 21 savings rate rises. Disappointingly, rate reductions over the same period outshone this figure, with the number of rate decreases standing at 84 – which translates to four cuts to every rate rise – and some deals falling by as much as 0.60%, much higher than the current Bank of England Base Rate of 0.25%.
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Monday, January 16, 2017
Glimmer of hope in the UK Cash ISA Market / Personal_Finance / ISA's
By: MoneyFacts
Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that the ISA market has seen a small boost for the second month running, which constitutes the first time such a consecutive increase has occurred since 2015.
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Monday, January 16, 2017
Samsung Galaxy S7 Edge - How to Insert or Remove a Nano SIM or MicroSD Card (E2) / Personal_Finance / Samsung
By: Adnaan_Walayat
This is the second in our comprehensive look at the Samsung Galaxy S7 Edge smartphone. In part 2 we explain exactly how to install a Nano SIM card in your new S7 phone or access an existing SIM card, including where to insert your MicroSD cards for extra memory, this will save you time and possibly prevent inserting the extraction pin into the wrong hole and damaging your smartphone!
Wednesday, January 11, 2017
How to Get a Bird of Paradise Plant to Flower - UK Growing Video / Personal_Finance / Gardening
By: Anika_Walayat
We may have just started the new year, but it's a good time to start planning garden flower beds, baskets, property frontages and lounge flower displays. And where flower displays are concerned then there isn't much out there that can beat the Bird of Paradise plant (Stelitzia reginae) in producing one of the most uniquely beautiful vibrantly coloured flowers of any plant that literally resemble flying birds.
Friday, January 06, 2017
China Super League Clubs Burning Cash with Tevez / Personal_Finance / Gambling
By: Submissions
DELETED....
Saturday, December 24, 2016
Christmas Eve Online Sales 2016, Boxing Day High Street Sales Full List / Personal_Finance / Shopping
By: Nadeem_Walayat
Britain's 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.
Monday, December 19, 2016
UK Savings Trends Treasury Report 2016 - A Year of Misery / Personal_Finance / Savings Accounts
By: MoneyFacts
Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that all of the banking groups have cut rates in 2016’s race to the bottom.
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Monday, December 19, 2016
UK Christmas Sales 2016 High Street and Online Start Dates Full List / Personal_Finance / Shopping
By: Nadeem_Walayat
Britain is enjoying a post BrExit consumer boom courtesy of the Government and Bank of England hitting the panic button following the BrExit vote, injecting an extra £150 billion into the UK economy. So 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, and so consumers infected with sales fever will be out hunting for bargains as Christmas has long since morphed into a month long relentless advertising campaign to keep consumers spending all the way into January.
Tuesday, December 13, 2016
Will welcome bonuses become as prevalent in spread betting, as they are in sports betting? / Personal_Finance / Gambling
By: Submissions
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Friday, December 09, 2016
Morrisons Cheap £10 Battery Powered 200 LED Christmas Lights Review / Personal_Finance / Shopping
By: Anika_Walayat
Just how good are battery powered christmas lights as sold by Morrisons and many others? The obvious attraction is that there is no mains wiring involved so should be relatively easy to put up sets of lights all over the place.
This is a review of a string of 200 LED lights bought from Morrisons for just £10, though don't forget the cost of the batteries (£4), so total cost is £14 which Morrisons promises should last 60 days when on their 6 hour timer. Find out in our test if they at least last for the festive season or not and what do they actually look like in our comprehensive review.
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Tuesday, December 06, 2016
Festive Spenders Top Tips to Protect your Cash / Personal_Finance / Holidays
By: MoneyFacts
It’s that bustling time of year when most shoppers focus on getting the Christmas gift list sorted, which can include getting gift cards or even using a credit card to buy high net worth goods.
With this in mind, Rachel Springall, Finance Expert at Moneyfacts.co.uk, urges consumers to brush up on their rights, be wary of scammers and consider the best credit card deals to make their cash go a little further.
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Tuesday, November 29, 2016
Fee Free Mortgages on the Rise / Personal_Finance / Mortgages
By: MoneyFacts
Research from Moneyfacts.co.uk reveals that the number of fee-free deals available to those looking for a fixed rate mortgage has more than doubled over the past year. This has given borrowers looking to minimise upfront costs even more choice.
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Monday, November 28, 2016
The Sad Truth of Saving for the Future / Personal_Finance / Savings Accounts
By: MoneyFacts
Savers are no doubt aware of the struggle to earn a decent return in the current market. Interest rates are at record lows and there is little incentive for consumers to put money aside, particularly if they have a short-term savings goal. As a result, savers may be facing a savings shortfall for the future.
The latest research from Moneyfacts.co.uk shows the significant difference in the amount of interest on offer today compared to previous years, and how much savers are losing out on.
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Sunday, November 27, 2016
How to Beat UK Savings Crisis with Child Junior Cash ISA, Pension's and Life-time ISA / Personal_Finance / Savings Accounts
By: Nadeem_Walayat
Britain's spanking new Chancellor, Philip Hammond recently threw some scraps at Britain's hard pressed savers with his 2.2% savings bond due to go live early 2017 by which time the CPI Inflation will be nudging 3% and RPI 4%, which illustrates its just a smoke and mirrors exercise, and even then will be limited to a measly £3k investment fixed for 3 years.
UK inflation is set to soar as I covered in my earlier analysis. And so the chancellors announcement does nothing to prevent the inevitable stealth theft of purchasing power of peoples hard earned savings and wages.
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Thursday, November 24, 2016
New NS&I 2.2% Savings Bond Ahead of 2017 Stealth Inflation Theft of Purchasing Power / Personal_Finance / Savings Accounts
By: Nadeem_Walayat
With my forecast for CPI inflation expected to accelerate to over 3% per annum during 2017 and RPI perhaps nudging above 4%. The chancellor Philip Hammond in his first and last Autumn statement took the time to announce a 3 year fixed rate NS&I savings bond paying 2.2% available to all over age 16 from spring 2017. Yes 'currently' with RPI at 2%, 2.2% whilst not great sounds reasonable given the desert like landscape of today's savings market. But by the time it actually goes live and becomes available to UK savers, the now near decade long trend of the stealth theft of the purchasing power of peoples earnings and savings will continue which this propaganda bond will not provide any protection against, especially since its capped at just £3k!
Tuesday, November 22, 2016
Best Cashback Credit and Debit Cards for Christmas / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
Savvy shoppers will no doubt be looking to make the most of their hard-earned cash at this time of year, and they could attempt to earn some much-needed cashback each time they spend. However, with just five weeks to go until Christmas, there isn’t much time left to work out which are the good deals and which are the bad.
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Monday, November 21, 2016
All Cash ISA Savings Interest Rates Plunge Below 1.00% / Personal_Finance / ISA's
By: MoneyFacts
Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that all ISA averages have fallen below the 1.00% barrier for the first time on Moneyfacts records.
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Thursday, November 17, 2016
Consumers should not bury their heads in the sand over debt / Personal_Finance / Debt & Loans
By: Submissions
To coincide with the first ever Financial Capability Week, the Credit Services Association (CSA) has issued some simple guidance around debt, and particularly how to avoid becoming a case of ‘mistaken identity’ and how to resolve the matter should it occur.
· Keep creditors up-to-date with current contact details: If you move, change phone number, email address, or even change your name, inform all of your creditors, including your Local Authority. Most problems start when a creditor is unable to reach the customer at the last known contact address. This means that vital correspondence might never be received.
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