Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Tuesday, November 14, 2017
UK Savers Left Underwhelmed by Base Interest Rate Rise / Personal_Finance / Savings Accounts
By: MoneyFacts
Despite the positive move for savers by the Bank of England to increase bank base rate this month, providers seem to have left savers underwhelmed by their unenthusiastic approach to passing on the rise.
There were, however, some encouraging changes during October, as moneyfacts.co.uk recorded 28 individual rate cuts compared to 150 rate rises (including ISAs), with some deals increasing by as much as 0.85%. This means that rises have now outweighed cuts for ten consecutive months. Nevertheless, inflation statistics released today show that the Consumer Price Index has remained at 3.0%. Therefore, savers’ cash is still being eaten away by inflation, as there is not one single standard savings account* that can beat or match 3.0%.
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Tuesday, November 14, 2017
Why Having Good Credit Is Important If You Want to Invest / Personal_Finance / Credit Cards & Scoring
By: Boris_Dzhingarov
There are a million and one ways to acquire wealth but the best way to become financially stable involves making long-term investments. And while you only need initial capital to actually make an investment, most people who think about having a better future also know that credit is important. So, how exactly can having a good credit score be beneficial when it comes to investing? Generally speaking, most people who choose to invest their money in stocks, ETFs, mutual funds, and bonds have a solid plan for their futures. Not only do they engage credit repair services to eliminate negative trade lines and improve their credit scores, they’re also interested in building investments for retirement, becoming homeowners, and balancing their debt to income ratios. If you are looking to build a healthy portfolio and have investments that you can be proud of these are the reasons that credit absolutely counts.
Saturday, November 11, 2017
Smart Ways to Get Loans Online / Personal_Finance / Debt & Loans
By: Boris_Dzhingarov
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Tuesday, November 07, 2017
Why Are Essay Structures So Important to Essay Writing? / Personal_Finance / Education
By: Submissions
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Sunday, November 05, 2017
Article Paper Writing: Generating a Thesis Statement How-To Write a Compare-Contrast Essay / Personal_Finance / Education
By: Submissions
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Saturday, November 04, 2017
The Essay Paper . Exposition Paper Writing: Building An Introductory Paragraph / Personal_Finance / Education
By: D_Morgan
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Saturday, November 04, 2017
Smiggle Lipbalm Slapband and Boxing Pen Review Fun / Personal_Finance / Shopping
By: Anika_Walayat
Hi friend's, here's more from our recent Smiggle shopping haul that includes fun use of the lipbalm slapband and boxing pen, punch, punch, punch, punch!
Enjoy.
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Friday, November 03, 2017
Bank of England Base Rate increases to 0.50% / Personal_Finance / UK Interest Rates
By: MoneyFacts
The Bank of England’s decision to increase interest rates from 0.25% to 0.50% marks the first increase to base rate in over 10 years, and is the result of higher inflation and persistent uncertainty surrounding Brexit. What does this mean for the average consumer?
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Wednesday, November 01, 2017
UK Retirement Incomes Still 27% Lower than 2008 Financial Crisis Levels / Personal_Finance / Pensions & Retirement
By: MoneyFacts
Key findings:
• Record personal pension membership and contributions mask significantly lower retirement incomes than at the height of the 2008 financial crisis
• Pension fund performance continued to weaken in Q3 2017
• Annuity uncertainty still impacting pricing with the income gap between the most competitive and least competitive open market annuities now at a record low
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Wednesday, November 01, 2017
Don’t Waste Your Payday Cash on Bank Overdraft Charges / Personal_Finance / Current Accounts
By: MoneyFacts
As the last day of the working month, today could well be the time when workers get paid their monthly salary. Some may be breathing a sigh of relief as their pay packet hits their bank account, but those customers who were in their overdraft may find that they are missing some of their hard-earned cash as it becomes wasted on excessive overdraft charges.
According to the latest research by moneyfacts.co.uk, the upcoming overdraft changes due this week from Lloyds Bank may be the perfect prompt for borrowers to check how they use their overdraft facility and whether the changes make them better or worse off.
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Tuesday, October 31, 2017
Almost All Countries In Europe Have Border Issues / Personal_Finance / European Union
By: John_Mauldin
BY GEORGE FRIEDMAN : For centuries, Europe has fought wars over borders. In the 19th century and the first half of the 20th century, Europe’s borders shifted wildly. As empires fragmented, new nations arose and wars were waged.
After 1945 and the beginning of the Cold War, a new principle emerged on the Continent. The borders that existed at the end of World War II were deemed sacrosanct—not to be changed.
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Tuesday, October 31, 2017
Should an Essay Paper Make Use of Common Language? Papers in Rough Draft / Personal_Finance / Education
By: Submissions
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Saturday, October 28, 2017
New Smiggle Pencil Cases Shopping Trip Haul / Personal_Finance / Shopping
By: Anika_Walayat
Hi friend's, here's how we shopped for our newest Smiggle pencil case and other super cool stuff that we stuffed it full of.
If only I could have got a diamond ring as well :)
Enjoy.
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Tuesday, October 24, 2017
Lingering Debt Warning as Credit Card Interest Rates Hit Record High / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
There has been a worrying rise in the number of consumers reliant on credit cards to keep their heads above water, as they stand a higher chance of being unable to repay their debt every month*.
Those who are only able to repay a very small portion of their card debts will find they have many years of debt ahead of them. To make matters worse, the cost of credit is rising, with moneyfacts.co.uk data showing that the average credit card APR has hit 23.0% APR, the highest recorded rate in over ten years**.
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Saturday, October 21, 2017
Perks to Consider an Agent for Auto Insurance / Personal_Finance / Insurance
By: Submissions
Aaron Abel writes: If you have a car, you will have to purchase auto insurance, and no one wants to do it with happiness. It cost us a lot of money on a monthly basis to be insured. If you are going to insure your first ever car and you are a new driver the higher premium rates will hurt you a lot.
Saturday, October 21, 2017
Choosing Your Path in This Financial Landscape / Personal_Finance / Investing 2017
By: Rodney_Johnson
I just turned off the television. There wasn’t anything wrong, there was just… nothing. As I go through my day, I stay tuned to CNBC, albeit with the sound down low, simply to have background activity. But today, I just can’t get there. I keep asking myself the same question when I hear their comments… so what?Usually I enjoy some of the banter, and I recognize that most of the people floating across the screen are very smart and accomplished. But I don’t feel edified. In my head I’m playing an endless loop of old quotes and comments that ends up sounding like a game of “Pick a Platitude.” It goes something like this:
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Saturday, October 14, 2017
Tips for Avoiding a Debt Meltdown / Personal_Finance / Debt & Loans
By: Boris_Dzhingarov
Debt is difficult to avoid at times. Most of us don’t have a spare $500k to buy a nice home and we can’t often afford to splash out on a new RV without taking out auto finance. But, whilst some debt is unavoidable, far too many people end up sinking into a quagmire of debt they have no chance of escaping.
Wednesday, October 11, 2017
Samsung Smartphone Galaxy Gear VR Headset Unboxing and First Use - What to Expect / Personal_Finance / Virtual Reality
By: HGR
Samsung with their series of Gear VR headsets, typically for under £60, have made VR affordable to anyone with a high end Samsung smartphone. The key thing is the ease of use, just slot the phone into the headset and after a quick automated software install the user is immediately immersed in a surprisingly high resolution VR world.
So here is what to expect on unboxing and first use of the Samsung VR Gear headset with your galaxy smartphone as there are pitfalls to watch out for which could have you scratching your heads!
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Saturday, October 07, 2017
Best And Useful Coupons For Pharmaceutical Purposes / Personal_Finance / Healthcare Sector
By: Kavinesh_A
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Monday, October 02, 2017
Switching On a New Custom Gaming PC For the First Time (4) / Personal_Finance / How to Guides
By: Adnaan_Walayat
In part 4 of our buying a custom built gaming PC from an online builder such as OverClockers UK series, we connect the PC up and switch it on for the first time. Lets see what to expect when a new PC power ups for the first time to a freshly installed copy of Windows 10.