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Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Thursday, July 09, 2015

Are Roth IRA Owners Likely To Be Subject To Double Taxation? / Personal_Finance / Pensions & Retirement

By: Dan_Amerman

Roth Individual Retirement Accounts are an uncommonly attractive and powerful method of creating wealth for retirement when viewed from the usual financial perspective. What sets them apart is that contributions are made with after-tax dollars, but withdrawals are made on a tax-free basis – which is the reverse of most other retirement accounts.

This is among the reasons why Roth IRAs are enormously popular with many millions of retirement investors in the United States and why they are so widely recommended by financial planners, CPAs and many other financial professionals.

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

 


Personal_Finance

Thursday, July 09, 2015

Budget 2015 - New 7.5% Tax on Dividends, Government Targets Small Limited Company Owners / Personal_Finance / UK Tax & Budget

By: Nadeem_Walayat

Whilst most eyes are on the deep tax credits cuts that amount to an average of £2k for 4 million households from April 2016 onwards. The Chancellor also announced changes to the taxation of dividends which will impact on small company owners who through limited companies currently are able to vastly reduced their tax bills through by a minimal salary so as to soak up the annual £10k tax free allowance and then pay the reminder of upto an additional £30k in dividends without paying any extra tax, due to the 10% dividend tax credit rule i.e. that for basic rate tax payers no additional tax is due on dividend income.

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Personal_Finance

Thursday, July 09, 2015

Working Child Tax Credit Cuts Average £2k per Household From 2016-17 / Personal_Finance / UK Tax & Budget

By: Nadeem_Walayat

As expected the Chancellor George Osborne took a hatchet to the Labour legacy Working and Child Tax Credits system that had mushroomed from an initial budget of £2 billion a year to £30 billion today, succeeding in creating a pool of some 4 million vested interest families and acting as a huge inducement for a 15 year long mass immigration trend into Britain which remains out of control as illustrated by the most recent immigration statistics (+318k).

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Personal_Finance

Tuesday, July 07, 2015

Current Accounts Become a Salvation for UK Savers / Personal_Finance / Current Accounts

By: MoneyFacts

Rachel Springall, Finance Expert at Moneyfacts.co.uk, comments:

“In the past, current accounts paid less favourable rates of credit interest than standard savings accounts, but today, things couldn’t be more different.

“Savers can earn over three times more interest using a current account compared with the best easy access account on the market.* For this reason, it wouldn’t be surprising if savers flock to these accounts and abandon standard savings accounts altogether.

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

 


Personal_Finance

Thursday, July 02, 2015

The Student Loan Bubble: Gambling with America’s Future / Personal_Finance / Student Finances

By: Peter_Schiff

Addison Quale writes: The federal government can't seem to help itself. After overseeing the inflating and bursting of the dot-com bubble in the 1990s and the subprime mortgage bubble in the 2000s, the United States government is at it again - this time in the area of student loans.

Student loan debt now stands at a record $1.2 trillion, which represents the second largest category of consumer debt after home mortgages. It has grown by leaps and bounds since the financial crisis of 2008 and now surpasses even car loans and credit card debt.

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

 


Personal_Finance

Tuesday, June 23, 2015

How to Preserve Your Family’s Wealth / Personal_Finance / Taxes

By: Investment_U

I remember the scene well. It was the middle of drizzly, cool morning when the hum of the floatplane’s engine echoed through the mountains. The plane circled overhead once and landed on the strip of saltwater in front of us.

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Personal_Finance

Monday, June 22, 2015

What You Need Instead of Income / Personal_Finance / Money Making

By: Investment_U

Alexander Green writes: The conventional wisdom is that everyone needs income .

If you’re like most Americans, you have mortgage payments, car payments, insurance payments, utility payments, credit card payments and perhaps even student loan payments.

You wouldn’t survive long in our modern world without income. At least, that’s what most people believe.

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Personal_Finance

Monday, June 22, 2015

If You Have Money in a US Bank Account Be Aware! / Personal_Finance / Credit Crisis 2015

By: Chris_Vermeulen

The Wall Street Reform and Consumer Protection Act of 2010 is better known as “The Dodd-Frank Act” to the American public.  What the American public does not know about, is that it codifies a “bail-in” provision that ensures that the United States can conduct the type of bail-in that we saw in Cyprus.

The bank bailouts of 2008 and 2009 will now be history as Dodd-Frank authorizes the Federal Deposit Insurance Corp. to recapitalize failed financial institutions by confiscating customers’ deposits.

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

 


Personal_Finance

Friday, June 19, 2015

Tax Havens the Worlds Last Economic Alamo / Personal_Finance / Taxes

By: Casey_Research

Jeff Thomas writes: “And it came to pass in those days, that there went out a decree from Caesar Augustus, that all the world should be taxed.” – Luke 2:1, New Testament

“Since the beginning of recorded history, the business of government has been wealth confiscation.” – Ron Holland

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Personal_Finance

Thursday, June 18, 2015

How to Make Tough Decisions Easy / Personal_Finance / SME

By: DailyWealth

Mark Ford writes: About 20 years ago, a professor of philosophy introduced me to an idea I have used to clarify my thinking, cut through confusion, and make business decisions time and again. You may find it as useful as I do.

We were having lunch, and the conversation turned to Nietzsche, the German philosopher and poet. I knew a little bit about Nietzsche. I knew he was anti-religion (as we say today) and believed man could perfect himself by self-assertion – an idea that made its way into the rhetoric of the Third Reich.

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Personal_Finance

Wednesday, June 10, 2015

Invest to Protect Your "Money in the Bank" / Personal_Finance / Credit Crisis 2015

By: ...

MoneyMorning.com Peter Krauth writes: "Like money in the bank" was once a phrase for something safe, predictable, and reliable.

Like holding money in the bank.

Lawmakers worldwide at the highest levels are currently transforming banking laws, and depositors are footing the bill for their ill-advised monetary maneuvering.

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Personal_Finance

Tuesday, June 09, 2015

How Technology is Revolutionizing Personal Finance / Personal_Finance / Technology

By: Boris_Dzhingarov

Unquestionably, especially in the last few years, the financial services industry has changed beyond all recognition from the days of bank opening times and hire purchase. Essentially, today's financial market place – for consumers at least – revolves around credit and credit ratings.

Some people bask in the glow of a robust credit rating but these days even mentioning it can be a worrying issue for some; yet they may be unnecessarily concerned. Some finance companies can help when it comes to a less than perfect rating. Decisions are made on a case-by-case basis so a poor credit score need not be an impediment to, say, a loan.

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Personal_Finance

Tuesday, June 09, 2015

UK Savings Interest Rates on Best Notice Accounts Hit Two-year Highs / Personal_Finance / Savings Accounts

By: MoneyFacts

Rachel Springall, Finance Expert at Moneyfacts.co.uk, comments: “Savers who are chasing down a good deal would be wise to stand up and take notice of the news that the average interest rate for notice accounts has hit a two-year high of 0.91% year-on-year*.

“Although some may still argue that easy access accounts are a more favourable vehicle for savers’ cash, these can carry disguised penalties in the form of restricted withdrawals.

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

 


Personal_Finance

Wednesday, June 03, 2015

UK Cashback Mortgages Double / Personal_Finance / Mortgages

By: MoneyFacts

Charlotte Nelson, Finance Expert at Moneyfacts.co.uk, comments: “Since mortgage rates started to tumble the market has seen a marked increase in cashback incentives.

“Research from Moneyfacts.co.uk reveals that today there are 948 cashback mortgage deals compared with 469 four years ago, while the average amount that can be received has shot up from £274 to £475.

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

 


Personal_Finance

Wednesday, May 27, 2015

Current Best CashBack Credit Card Pays 5% for first 3 months then upto 1.25% / Personal_Finance / Credit Cards & Scoring

By: Nadeem_Walayat

The credit card issuers such as Capital One have been busy pulling the rug from under their most loyal customers where even a 10+ year relationship means nothing for the banks when it comes to continuing to offer cashback rewards, as customers will have been receiving a whole host of excuses as to why their cashback rewards are ending such as blaming the European Union proposed ruling on capping interchange fees on credit cards to 0.3% from a typical range of 0.6% to 0.8% currently charged on each transaction.

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Personal_Finance

Tuesday, May 26, 2015

Credit Card Interest Rates Rise to Record High While Rewards Dwindle / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Rachel Springall, Finance Expert at Moneyfacts.co.uk, comments: “Behind the spotlight on trendy introductory credit card offers, the cost of debt has risen to a record high of 20.6% APR*. At the same time, fears for the future of reward cards have increased, as their demise in the wake of the new ruling by the EU on interchange fees becomes a distinct possibility.

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

 


Personal_Finance

Tuesday, May 26, 2015

Best Cash ISA SBI 2.3% - 2.8 Year Fix, UK Interest Rates 2016 / Personal_Finance / ISA's

By: Nadeem_Walayat

Britain's interest rates starved savers for especially the tax free Cash ISA savings accounts for which Britains banks tend to further penalise by typically paying LESS interest than the SAME term NON ISA accounts, can only be disgusted that despite the large annual ISA allowance of £15,240, are going to find it near impossible to find savings interest rate of over 2%, let alone the pre-funding for lending scheme days (July 2012) when fixed savings interest rates ranged as high as 5%.

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Personal_Finance

Friday, May 22, 2015

One Investment Could Save Two Generations' Retirements / Personal_Finance / Pensions & Retirement

By: ...

MoneyMorning.com Peter Krauth writes: The goal of a comfortable retirement is getting more challenging by the day.

That's overwhelmingly thanks to the Fed's Zero Interest Rate Policy (ZIRP).

A recent poll reveals Generation Xers, the next wave of retirees to follow the Baby Boomers, expect to be a whole lot more self-sufficient.

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

 


Personal_Finance

Tuesday, May 19, 2015

Bank Holiday Joy as UK Inflation Stays Low / Personal_Finance / Inflation

By: MoneyFacts

Inflation figures released today show that the Consumer Prices Index (CPI) fell from 0.0% to -0.1% during April, which is the first time the UK has fallen into deflation since the sixties.

Today, all 859 savings accounts on the market beat inflation, and of these, 666* (149 no notice, 78 notice, 231 fixed rate bonds and 208 ISAs) are without restrictive criteria*.

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

 


Personal_Finance

Saturday, May 16, 2015

War On Cash - Why the IRS Seized All the Money from a Country Store / Personal_Finance / Credit Crisis 2015

By: EWI

Another shot fired in the "War on Cash"

Editor's note: You'll find the text version of the story below the video.

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

 


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