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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Tuesday, June 05, 2018

Cash ISAs Falling Out of Favour With Savers / Personal_Finance / ISA's

By: MoneyFacts

The Personal Savings Allowance (PSA) continues to take its toll on ISA returns, as it seems that savers are increasingly putting their cash elsewhere. Recently, the HMRC released statistics showing a decline in ISA subscriptions just one year after the PSA was introduced in 2016.

To coincide with these findings, the latest research from Moneyfacts.co.uk shows a stark difference between the returns that can be gained on cash ISAs and those on non-ISAs. Despite rates improving from a year ago thanks to last November’s base rate rise, the average ISA rate (1.18%) has fallen by around a third since 2013 (1.74%).

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Personal_Finance

Tuesday, June 05, 2018

Can Flowering Banana Plants Survive UK Winter Nov to March 2018? / Personal_Finance / Gardening

By: Sami_Walayat

Our big flowering and fruiting banana plants with little green banana fingers growing on them have been winterised during November 2017. However the UK is about to experience it's coldest winter in over 5 years (late Feb / Early March 2018), so despite winter care can our banana plants survive the harsh "beast from the east" UK winter ? Find out in our latest video in our growing banana plant videos in the UK series as we desperately try and bring last years flowering banana plants into summer 2018 where this video covers the period November 2017 to late March 2018.

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Personal_Finance

Monday, June 04, 2018

FREE Entry to LEGOLAND Windsor Summer 2018 / Personal_Finance / Theme Parks

By: Anika_Walayat

Summers has arrived and families are busy planning their holidays that usually include many trips to Britain's Theme parks where the king of UK attractions is Merlin with it's 32 theme parks spread out across the UK. We'll here some great money saving news because you can gain entry to Merlins premier kids resort LEGOLAND for FREE. See our latest theme parks video for the full details.

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Personal_Finance

Thursday, May 31, 2018

UKGC Set to Make Online Gambling Industry More Risk-Free / Personal_Finance / Gambling

By: Varun_Kumar

...

 


Personal_Finance

Thursday, May 31, 2018

Free Entry to Merlin Theme Parks Such as Legoland and Chessington With Kellogg Serials / Personal_Finance / Theme Parks

By: Anika_Walayat


Summers has arrived and families are busy planning their holidays that usually include many trips to Britain's Theme parks where the king of UK attractions is Merlin with it's 32 theme parks spread out across the UK. We'll here is some great money saving news for you all as Kellogg's are running their theme parks promotion for another year that allows entry into the UK's top theme parks for the whole of 2018 for FREE! So plenty of time to use the vouchers to gain entry into 14 UK theme parks that include Alton Towers, Legoland, Chessington, the Dungeon, Sea Life, Shreks Adventure and Madame Tussaud's etc...

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Personal_Finance

Saturday, May 26, 2018

Climate Change Canaries and Our Changing Climate / Personal_Finance / Climate Change

By: Richard_Mills

Climate change is the buzz word of the 21st century along with its controversial cousin, “global warming,” with both cited frequently as explanations for evidence of our planet in ecological flux. This includes freak winter storms that appear to contradict the “warming” thesis, scorching summer droughts, water shortages, rising sea levels, retreating glaciers, melting permafrost, skinny polar bears, dying coral reefs and the extinction of species.

While there is disagreement over its causes – man-made versus natural – the reality of climate change is an incontrovertible fact. The planet is warming, affecting our weather, our oceans, our growing seasons, even our food, as crops fail, causing shortages and price hikes. Storms are becoming more frequent, and more intense, and droughts are lasting longer.

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Personal_Finance

Friday, May 25, 2018

Merlin Passes Top Tips for Buying and Using Premium vs Standard, Theme Parks UK / Personal_Finance / Theme Parks

By: HGR

Summers 2018 has arrived and families are busy planning their summer holidays that usually include many trips to Britain's Theme parks where the king of UK attractions is Merlin with it's 32 theme parks spread out across the UK such as Alton Towers, Chessington, Legoland, Thorpe Park and the Dungeons and Sea Life centres, including a dozen clustered in and around London. So here are my top tips for buying and use of Merlin passes of whether you should buy Premium, Standard or a mix of both. Also we find out exactly what you get in a Merlin Premium Pass holders privilege pack, so find out if it's worth paying that extra £50 or not.

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Personal_Finance

Thursday, May 24, 2018

Half Price Entry to Alton Towers and Sea Life Theme Parks 2018 With Carex / Personal_Finance / Holidays

By: Anika_Walayat

Carex is back for summer 2018 with their half price entry to Alton Towers and Sea Life promotion. So don't pay the full entrance price, instead watch our video of how you can easily achieve half price admission to these two popular Merlin attractions.

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Personal_Finance

Wednesday, May 16, 2018

Turbo Bubble Fountain Bubbles Machine for Kids Summer Fun Activities - VR 360 / Personal_Finance / Money Saving

By: Anika_Walayat

Summer has finally arrived here in the UK and so here's a great idea for keeping the kids occupied and active in the garden at little cost, a bubble making machine! You don't need to spend more than £10 to £15 to get hold of a decent machine that will flood your garden with gazillions of bubbles as here we test the Turbo Bubble Fountain that helps the bubbles by blowing them upwards (VR 360) and which currently sells for £15 (excluding batteries), but is similar in function to many other bubble machines in it's price range.

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Personal_Finance

Tuesday, May 15, 2018

UK Savings Shock as Rates Were cut Before Base Interest Rate Vote / Personal_Finance / Saving Bonds

By: MoneyFacts

Savers still deflated from last week’s base rate announcement will now have to stomach the fact that the savings market has undergone a bit of a stumble. As the market prepared itself for a base rate change, there were unforeseen savings rate cuts, with some deals disappearing altogether.

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Personal_Finance

Tuesday, May 15, 2018

UK Online Gambling Market Grows According to UKGC / Personal_Finance / Gambling

By: Varun_Kumar

...

 


Personal_Finance

Thursday, May 10, 2018

UK Base Rate Remains on hold – What it Means for Savers and Borrowers / Personal_Finance / UK Interest Rates

By: MoneyFacts

The lead-up to the Bank of England’s latest base rate decision has been a rocky road, with the markets changing their prediction from odds on to unlikely in the space of a few days. Today’s announcement to keep interest rates on hold confirms this past week’s predictions, and is likely to be met with frustration by savers and relief by borrowers.

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Personal_Finance

Thursday, May 10, 2018

UK Savings and Mortgage Markets Picks of the Week - Tandem Bank, Post office Money, Leeds BS and Tesco / Personal_Finance / Savings Accounts

By: MoneyFacts

The moneyfacts.co.uk Pick of the Week showcases the best of the latest products or rate changes to hit the consumer finance market.

Brief product details together with independent Moneyfacts analysis can be used with confidence in your finance sections. You can select one or two products to sit beside a relevant story or use them all as a general feature.

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Personal_Finance

Sunday, May 06, 2018

How to Deal With a Suspended Driving License / Personal_Finance / Motoring

By: Anwar_Hossain

If you have a suspended driving license, it means your driving rights have been withdrawn temporarily, because of driving under the influence of drugs (DUIs) or having no car insurance.

It is a crime to drive a vehicle when your driving license has been revoked according to the California Vehicle Code 14601 VC. Besides, you can face severe suspensions from both federal courts and the California Department of Motor vehicles (DMV). The good news is that there are ways to reinstate your driver’s license.

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Personal_Finance

Saturday, May 05, 2018

Land Rover Discovery Sport Rear View Reverse Camera Test / Personal_Finance / Motoring

By: N_Walayat

Here's a test of the Land Rover Discovery Sports rear view reversing camera installed as standard on HSE and above, whilst available as optional extras on lower trims for the DISCO Sport model. We compare what is shown on the Disco's display against what is actually happening as you reverse your car i.e. how well does the screen display and warning bars compare against how much space you actually have left i.e. too much space and your not parking properly! Too little space which would be disastrous!

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Personal_Finance

Thursday, May 03, 2018

Top Tips for Beating Spinning Pull Up Bar 2Min Challenge at Alton Towers Theme Park / Personal_Finance / Theme Parks

By: Anika_Walayat

Britain's summer theme park season is about to begin, when theme parks will be packed full of visitors where you are likely to see the pull up bar challenge such as at Alton Towers. Basically you have to hold on with both hands palms in the same direction for 2 minutes. If you win you get giant cuddly toy. Current price for a go at Alton Towers is £3. So, here Adnaan aged 16 and Anika aged 9, who can hold onto a standard pull up bar for a good 3 minutes thought it should be pretty straightforward to hang on for 2 mins and win the challenge.

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Personal_Finance

Wednesday, May 02, 2018

UK Pension Funds Performance Deteriorates in Q1 2018 / Personal_Finance / Pensions & Retirement

By: MoneyFacts

New data from the latest Moneyfacts UK Personal Pension Trends Treasury Report has revealed deteriorating pension fund performance in Q1 2018 at a time when members of auto-enrolment schemes are seeing their mandatory minimum contribution rates rise from 1% to 3%.

The report shows how after a run of positive gains in the previous nine quarters the average pension fund registered a loss for the first time since Q3 2015, falling by 3.8%.

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Personal_Finance

Monday, April 30, 2018

Big Banks Punish Loyal Savings Customers With Abysmal Interest Rates / Personal_Finance / Savings Accounts

By: MoneyFacts

Savers who turn to the most familiar banks* to hunt for a good savings deal may feel it’s a logical place to start, but they may want to think twice. If savers are looking for a top rate on an easy access account, then they are likely to be disappointed if they ignore the less familiar brands.

In fact, according to the latest moneyfacts.co.uk research, the difference between the best easy access account on the market versus the worst big bank rate would cost savers £250 a year in interest (based on a £20,000 initial deposit). As rates continue to improve away from the biggest banks*, it may be a good time for savers to reconsider more unfamiliar brands to get the best possible return.

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Personal_Finance

Thursday, April 26, 2018

Gardening Money Saving by Reseeding Spent Flower Baskets for New Summer Growth / Personal_Finance / Gardening

By: Anika_Walayat

Here's how Anika's flower baskets that she bought from Tesco at a bargain price of just 50p each grew from May right through to February of the following year when it was time to reseed them. It's really child's play to reseed flower baskets, so don't bin last years spent flower baskets because you could literally get years of new growth out of them at little extra expense.

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Personal_Finance

Tuesday, April 24, 2018

Credit Card's Loyalty Stretched as Cash Back Rewards Culled / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Shoppers looking to get a little back when they spend often turn to reward or cashback credit cards. Unfortunately, if customers look closely at the rewards they get when they spend, they might feel they are getting get back very little back on their spending, particularly in comparison to a few years ago.

One reason for this decline stems from a shake-up in the credit card market in 2015, when the EU interchange fee cap ruling was implemented. Its purpose was to save consumers money at the tills by capping the transaction fee for using their card. Yet, as a result, consumers are now facing a cull in the number of rewards and cashback credit card offers, as providers pull back their generosity.

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