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Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Thursday, July 31, 2014

Need-to-Know Tips for Buying Annuities… And Knowing When They’re Not For You / Personal_Finance / Pensions & Retirement

By: Don_Miller

You're probably something of an expert in your own field—and that field probably isn't insurance or annuities. How, then, can you work through the minefield of clauses, guarantees, and pages of small print? Here are nine ways to start.

While you may feel uncomfortable doing this, you're the one putting down thousands of dollars, and you have every right demand this. Remember: caveat emptor! It's the buyer who must beware; you must protect yourself. Ultimately, the language in the annuity contract is what matters, but it doesn’t hurt to memorialize your verbal agreement with the agent in writing.

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Personal_Finance

Monday, July 28, 2014

Subprime Loans Just the Start of Students’ Debt / Personal_Finance / Student Finances

By: Money_Morning

Shah Gilani writes: This is amazing.

If you’re about to become a college student, if you’re already a college student, or if you’re simply in debt and need more credit and plan on becoming a student again, you’re in luck.

Financial services giants Discover Financial Services Inc. (NYSE: DFS), Capital One Financial Corp. (NYSE: COF), Bank of America Corp. (NYSE: BAC), Citigroup Inc. (NYSE: C), and U.S Bancorp (NYSE: USB), to name a few players in the student credit game, are bending over backward for you.

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Personal_Finance

Wednesday, July 23, 2014

When All You Have Left Is the Cost of Breakfast at McDonald’s / Personal_Finance / Pensions & Retirement

By: Don_Miller

When I was 20 years old, I sat through my first day of a business law course at Northwestern University. The professor began by writing two words on the blackboard (in the prehistoric days of blackboards and chalk): Caveat emptor. He raised his voice and said, “Let the buyer beware!” I’m here to echo his warning, but this time it’s about annuities.

Annuities are at the top of the list of complicated products that often profit insurance companies without adequately compensating the buyer in return. Put plainly, sometimes you don’t get what you thought you paid for.

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Personal_Finance

Thursday, July 17, 2014

Fake Pensions - They’re Lying To Us / Personal_Finance / Pensions & Retirement

By: John_Rubino

Most people learn by the age of 10 or so that making promises is easier than keeping them. That’s why really big promises like corporate pensions and national retirement/health care programs are so easy to screw up. Offering someone a cushy retirement or a lifetime of healthcare feels great and generates massive goodwill from the recipient. So elected officials and corporate executives tend to over-promise in the moment and leave the hard part — actually making good on those promises — for their successors.

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Personal_Finance

Tuesday, July 15, 2014

Payday Loans Industry Crash as FCA 100% Cap on Interest Rate and Fees / Personal_Finance / Debt & Loans

By: Nadeem_Walayat

The FCA successor to the inept FSA regulator is finally going to act to put a CAP on the pay day legal loan sharks industry a good five years later than they should have acted had the financial regulator the best interests of the general public in mind rather than Britains banking crime syndicate.

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Personal_Finance

Thursday, June 26, 2014

New £15,000 Cash ISA Interest Rates Ahead of 1st July - What to Do? / Personal_Finance / ISA's

By: Nadeem_Walayat

Many savers will have delayed opening a cash ISA for the current tax year so as to best capitalise on the the new cash ISA allowance of near triple the existing amount of £5,490 to £15,000. However, It should not come as a much of a surprise that after more than 5 years of an artificial highly manipulated UK interest rates market for the primary purpose for funneling tax payer cash into the bankrupt banks (QE) that the already extremely low savings rates have have yet again been cut ahead of new ISA's going live on 1st of July.

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Personal_Finance

Thursday, June 26, 2014

Wonga Pay Day Loans Outfit Gets a Slap on the Wrist Instead of Prison / Personal_Finance / Debt & Loans

By: Nadeem_Walayat

Apparently 45,000 customers of the Wonga payday loans outfit are going to receive a flat £50 as compensation for being conned by fake threatening legal letters from law firms that did not even exist, which went on to include charges for bogus legal fees that is tantamount to fraud that caused huge distress for tens of thousands of Wonga customers, that instead of now facing the full weight of the law has instead been asked to compensate its victims for approx £2.6 million compared to Wonga's annual profits of £84 million which reeks of an FCA regulator that seems even more inept and toothless than the FSA it replaced.

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Personal_Finance

Tuesday, June 24, 2014

5 Women Who Made Me Rich and What They Can Teach You / Personal_Finance / Money Making

By: Don_Miller

My grandmother refused to share the heart-wrenching details until I was in the Marine Corps. I’d heard bits and pieces about my ne’er-do-well father but didn’t fully grasp the devastation he’d left behind until Grandmother spilled the story with tears in her eyes:

Your father never worked. After you were born he stole all the money in the house, vanished, and was never seen again. Fortunately your mother had gone back to work earning $8 per week.

However, one of the worst parts was: the store repossessed your baby carriage because your father stole the money your mother had saved to pay it off.

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Personal_Finance

Thursday, June 19, 2014

What the Regulatory Shift from the OFT to the FCA and Means for Payday Lenders / Personal_Finance / Debt & Loans

By: Submissions

Melly Abruzz writes: On April 1, 2014, the regulations governing payday lenders in the UK was transferred from the Office of Fair Trade (OFT) to the Financial Conduct Authority (FCA).  The gist of the regulatory shift was that payday lenders are now obligated to conduct thorough affordability and credit checks. Other changes include a cap in loan rollover, and pointing borrowers in the direction of free debt advice.

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Personal_Finance

Tuesday, June 17, 2014

Warning Russian Worm Burrows Into Our Mobile Banking Network / Personal_Finance / Cyber War

By: Money_Morning

Shah Gilani writes: This is a public service announcement. Really, you need to read this!

If you think your mobile banking app is safe, think again.

Right now, as in this very second, if you have a mobile banking app connected to USAA, Citigroup, American Express, Wells Fargo, Bank of America, TD Bank, JPMorgan Chase, BB&T or Regions Bank, you could be in deep Svpeng.

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Personal_Finance

Friday, June 13, 2014

Unintended Consequences of Obama’s Student Loan Policies / Personal_Finance / Student Finances

By: F_F_Wiley

So this week, President Obama’s populist, class-warring, shut-out-the-legislature, ignore-the-long-term-consequences romp through every corner of life turned to the education sector.

His new policies on student loans include greater access to both payment reductions and loan forgiveness.

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Personal_Finance

Monday, June 09, 2014

What Most Americans Don’t Know About Student Debt / Personal_Finance / Student Finances

By: PhilStockWorld

Courtesy of ZeroHedge: Submitted by Tyler Durden.

Now that student loans, well over $1.1 trillion, are hitting fresh record highs as… well… daily as the S&P500, the Fed is finally getting concerned about the latest debt bubble it has blown (not so much in equities). So concerned, in fact, the New York Fed recently added questions about student loans in its broad survey on consumer expectations to find out what people knew, or rather, did not know about this record debt mountain. We hope it was not shocked to learn that once again the bulk of Americans are taking on unprecedented amounts of debt without having a clue what the conditions are: accordint to the analysis, people don’t fully comprehend the ramifications of taking on student debt.

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Personal_Finance

Friday, June 06, 2014

How to Die in Dignity Without Leaving Your Spouse to Starve / Personal_Finance / Pensions & Retirement

By: Don_Miller

We’d all been waiting for the big day, but the chapel the ceremony took place in was very small—just a room with Christian symbols and a few chairs. My wife Jo's father was waiting for us in his hospital bed, grinning from ear to ear. Despite the feeding tube, he still managed to devour a few bites of our wedding cake. Parkinson’s is a powerful disease; it can take the sturdiest tree in the forest and wilt it like an aging rose.

Yes, Jo and I got married in a nursing home chapel. Little did we know that we would spend the better part of the first 18 years of our marriage dealing with nursing homes and assisted-living facilities for both sets of parents.

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Personal_Finance

Tuesday, June 03, 2014

Be Very Afraid of the Underfunded Public Pensions Nuclear Solution / Personal_Finance / Pensions & Retirement

By: Don_Miller

With few exceptions, state and local pension funds are woefully underfunded. Five heavily populated states—California, Illinois, Ohio, New Jersey, and Texas—collectively lack $431.5 billion; money that won’t be paid out to hopeful pensioners. That’s according to those states’ own accounts published in a 2012 Harvard University study that was led by former Assistant Treasury Secretary Tom Healy.

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Personal_Finance

Thursday, May 29, 2014

UK Citibank USD Current Account Continues Ramping Up Fees / Personal_Finance / UK Banking

By: Nadeem_Walayat

Once upon a time the Citibank USD current account was by far one of the best such accounts on the market for depositing USD cheque's in the UK, where typically 1.75% was added to the spot GBP exchange rate and if lucky at best as little as 1.5% or at worst rarely more than about 2.2% with no other fees as long as £2,000 or equivalent was always kept on deposit.

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Personal_Finance

Tuesday, May 27, 2014

Is It Time to Hide Your Money Under the Mattress? / Personal_Finance / Savings Accounts

By: Don_Miller

“I don’t know what to do,” said my good friend Rob after inviting my wife Jo and me to dinner for the third time in two weeks. “I know I should do something. Every time I think about it, it scares the hell out of me! Maybe I should just hide everything under the mattress.”

Rob is a sharp guy—he’s done well for himself and his family. He also recently settled the last details of his parents’ estate. Upon banking part of his inheritance, the branch manager magically appeared, introduced himself, and invited Rob into his office to discuss “some really good rates” the bank had to offer.

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Personal_Finance

Friday, May 09, 2014

Collateral Damage: What You and Monica Lewinsky Have in Common / Personal_Finance / Pensions & Retirement

By: Don_Miller

Collateral damage can assume many forms—and though some may be more newsworthy than others, the latter are no less real, nor any less frightening.

On Tuesday, controversial radio talk show host Rush Limbaugh called Monica Lewinsky “collateral damage in Hillary Clinton’s war on women,” saying that President Bill Clinton and his wife destroyed the former White House intern “after he got his jollies, after he got his consensual whatevers.”

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Personal_Finance

Tuesday, April 29, 2014

Retirement Kitchen Table Economics / Personal_Finance / Pensions & Retirement

By: Don_Miller

What is it about retirement that causes confident, successful businessmen and -women to lose that edge when they invest their own life savings? Many otherwise dynamic people become virtually impotent in the face of retirement investing. I have many friends who were very effective in business—folks who made sound decisions affecting how millions upon millions of dollars were spent. They would gather the facts, make a plan, and make the right call with confidence. Whywas it so taxing for these same friends to manage their personal retirement accounts?

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Personal_Finance

Monday, April 28, 2014

The World's Biggest Pension Fund Just Made a Huge Bet / Personal_Finance / Pensions & Retirement

By: Money_Morning

Peter Krauth writes: On numerous occasions, I've told you to remain on lookout for threats to your savings, including the proposed new MyRA account.

If you've been counting on your pension, whether from work or even Social Security, you may want to revise those plans, as most are way underfunded.

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Personal_Finance

Tuesday, April 22, 2014

Puerto Rico Is the Only Way to Escape US Taxes / Personal_Finance / Taxes

By: Casey_Research

By Nick Giambruno, Senior Editor, International Man

When I hear about strategies that purport to legally allow US citizens to avoid having to pay income taxes, the first thing that usually comes to mind is that it is some sort of cockamamie scheme.

This is because the US government is no slouch when it comes to shaking down its citizens for every penny. The mind-boggling spending on welfare and warfare policies necessitates this. It would be dangerously foolish in the extreme to think you could slip one past them.

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