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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Wednesday, October 19, 2016

The Fed Destroyed US Boomers’ Retirement Dreams / Personal_Finance / Pensions & Retirement

By: John_Mauldin

The more I think about where the “monetary policy community” of academic elites has brought us, the angrier I get. It’s been a long time since I’ve been this passionately upset about something.

Almost everything the Fed did to us since 2008 falls into two broad categories: interest rate repression and quantitative easing.

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Personal_Finance

Tuesday, October 18, 2016

Savers have Little to look forward to as Interest Rate Cuts Keep Coming / 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 12 consecutive months.

In September, Moneyfacts recorded 29 savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases standing at 164 – which translates to around six cuts to every rate rise – with some deals falling by as much as 0.75%.

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Personal_Finance

Monday, October 17, 2016

UK Savings Trends Treasury Report – product numbers fall to record low / Personal_Finance / Savings Accounts

By: MoneyFacts

Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that the total number of savings products has fallen to an all-time low, with a staggering 274 savings products withdrawn from the market since January.

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Personal_Finance

Friday, October 14, 2016

DIY Winter Home Maintenance Money Saving 22 Point Checklist to Get Ready for Winter/Fall / Personal_Finance / Home Maintenance

By: Adnaan_Walayat

Now is the time before the temperatures drop to conduct a relatively quick but comprehensive preventative home winter weather proofing survey that than can save on costly repair bills such as damage form blocked drains, gutters, leaking roofs, and burst pipes, claims from which can result in soaring insurance premiums, as well as save on costly excessive energy usage due to drafts, poor insulation and boiler problems.

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Personal_Finance

Tuesday, October 11, 2016

Child Savings Accounts Face Gruelling Interest Rate Cuts / Personal_Finance / Savings Accounts

By: MoneyFacts

It is unusual to see a mass of rate cuts on children’s savings accounts, but the latest research by Moneyfacts.co.uk reveals this is exactly what’s happening. More than 100 rate cuts have been made over the course of 2016 to child savings accounts, so much so that some deals are now paying as little as 0.10% per year.

Read full article... Read full article...

 


Personal_Finance

Monday, October 10, 2016

Bank Current Account Overdraft Fees Hit a High, Attacking Careful Customers / Personal_Finance / Mortgages

By: MoneyFacts

Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, highlights that the average two-year tracker rate has increased by 0.07% in just one month, bringing the figures back to July 2016’s level and cancelling out the “base rate effect”.

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Personal_Finance

Saturday, October 01, 2016

Why Nervous Pensioners Are Running for the Exit / Personal_Finance / Pensions & Retirement

By: EWI

The Dallas pension system embraces risk with alternative assets

[Editor's Note: The text version of the story is below.]

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Personal_Finance

Wednesday, September 28, 2016

The Fed Put a 50% Tax on Your Retirement Plan / Personal_Finance / Pensions & Retirement

By: John_Mauldin

If a politician said he thought he should tax the income from your retirement plan, right now, at 50% (no matter where you are in the retirement process, that would certainly hurt the ability of your portfolio to compound), what would you think (other than that he was completely Looney Tunes)?

But that's exactly what the Federal Reserve has done by keeping interest rates low.

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Personal_Finance

Tuesday, September 27, 2016

Save Up to 70% in Shopping Expenses for Daily Items / Personal_Finance / Shopping

By: ....

We have a series of tips to help you save money on purchases every day:

1) Buy Cheaper in Factories

Factory outlets can help you save a lot of money because the consumer can buy directly from the manufacturer without having to go through an intermediary (such as a traditional store, for example).

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Personal_Finance

Friday, September 23, 2016

Pension Shortfalls Could Be 4X To 7X Greater Than Reported / Personal_Finance / Pensions & Retirement

By: Dan_Amerman

  • The reported shortfall for the California Public Employees Retirement System (Calpers) is $139 billion - but that is based upon investment assumptions that may be unlikely in current markets.
  • As developed using a 40 year financial model and recent actual results, the real present value shortfall could be in the $500 billion to $1 trillion range, which is 4X to 7X as great as reported.
  • Calpers is used as a real world example to explore nationwide issues that could change our financial futures - and our choices - as investors, taxpayers and pension beneficiaries.
Read full article... Read full article...

 


Personal_Finance

Wednesday, September 21, 2016

TwinLakes Theme Park Summer Super 6 FREE Return Entry for Real? / Personal_Finance / Theme Parks

By: Sami_Walayat

Find out if upto 4 people really can easily gain FREE return entry to the TwinLakes theme park situated near the city of Nottingham via the easy to achieve Summer Super 6 challenge cards and thus save between £40 to £60 on what one would have paid for entry as we return to the Theme park with the promised FREE entry during a September weekend cards. So if you have a Twinlakes super 6 card then you still have time to capitalise upon it!

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Personal_Finance

Tuesday, September 20, 2016

Savers Could Earn Over 10% by Using a Current Account / Personal_Finance / Current Accounts

By: MoneyFacts

At a time when savings rates are reaching record lows, there are clearly far fewer ways of earning a decent return. Surprisingly, a current account could be a salvation for savers weathering the current climate, thanks to the rewards they offer.

By making use of the Current Account Switch Guarantee (which has been in force for three years this month), spenders and savers alike could earn up to £220 in the first year when moving their account.

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Personal_Finance

Tuesday, September 20, 2016

UK Petrol and Diesel Pump Prices Rip off Investigation Call / Personal_Finance / Gas - Petrol

By: Submissions

FairFuelUK Campaign: In the last month as the Brent oil price in Sterling has fallen 9.5% or £3.67 per barrel, wholesale diesel fell only 1.8% with petrol, in complete contrast, rising bewilderingly by 1.6%. We are reliably told that the average independent garage should reflect oil and wholesale price changes in just 7 days. True to type, in reality this continues not to be the case. With such significant falls in oil seen since 18th August, pump prices for diesel have instead been hiked by 1.89p and petrol by 1.71p per litre.

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Personal_Finance

Monday, September 19, 2016

Dramatic Falls in UK Savings Interest Rates / Personal_Finance / Savings Accounts

By: MoneyFacts

Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that long-term fixed rate bonds and ISAs have fallen, with long-term fixed rate ISAs falling for 11 consecutive months, plummeting to all-time lows yet again.

Read full article... Read full article...

 


Personal_Finance

Wednesday, September 14, 2016

2016 The Worst Ever Year for Annuity Income / Personal_Finance / Pensions & Retirement

By: MoneyFacts

As tomorrow marks Pensions Awareness Day (PAD), new research compiled by Moneyfacts has revealed that annuity rates are on track for their biggest ever annual fall. Based on a benchmark annuity (standard level without guarantee), the average annuity income for a 65-year-old has fallen by 14.8% on a £10K purchase price and by 15% on a £50K purchase price so far during 2016.

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Personal_Finance

Tuesday, September 13, 2016

Relentless Interest Rate Cuts are a Deterrent to Savers / 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 eleven consecutive months and that August has officially become the worst month this year for cuts.

In August, Moneyfacts recorded three savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases standing at a staggering 388, which translates as around 130 cuts to every rate rise, and some deals fell by as much as 1.30%.

Read full article... Read full article...

 


Personal_Finance

Monday, September 12, 2016

Moneyfacts UK Mortgage Trends Treasury Report / Personal_Finance / Mortgages

By: MoneyFacts

Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, highlights that borrowers who took out a two-year fixed rate mortgage will have less incentive to switch from their Standard Variable Rate (SVR) to a new deal. The graph shows the difference between the two rates, which is the lowest it has been for six months.

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Personal_Finance

Sunday, September 11, 2016

Cheap Toddler Swing Chair Review - Buy Online from Amazon, EBay or Tesco stores / Personal_Finance / Reviews

By: Anika_Walayat

Find out how Toddler swing chairs are a cheap, cost effective way of keeping your toddler entertained during the summer months, at the very least save time on driving or walking to the local park, and then without waiting for an occupied swing to become vacant. This is a review of the cheap plastic toddler swing chairs typically sold on amazon, ebay and at supermarkets such as Tesco. So find out what you need to know before buying one.

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Personal_Finance

Tuesday, September 06, 2016

UK Credit Card Interest Rates on the Rise Despite Base Rate Cut / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Credit cards are a frequently used method of payment, but despite a record-low bank base rate, credit card interest rates are not on a downward trajectory. Credit card competition has been concentrated on interest-free credit deals, but the contest is less intense than previous years, with little change to the longest interest-free terms.

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Personal_Finance

Saturday, September 03, 2016

Kid's Fun Fruit Trees and Plants Garden UK (E1 - August 2012) / Personal_Finance / Gardening

By: Anika_Walayat

This is the first in a series of videos starting August 2012, where 4 year old Anika first shows her fruit trees and plants garden in the UK from tropical trees such as Mangoes and Bananas to the traditional Apple and Cherry trees, nut trees including walnuts, almonds and hazelnuts, plenty of citric lemon and orange trees continuing with some raspberry and blackberries bushes strawberries and grape vines. Watch as the fruit trees and plants grow over the following seasons and years so you too can plan your own fun fruit filled kids gardens.

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