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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Friday, November 15, 2013

Living on Two Paychecks or on Too Many Expectations? / Personal_Finance / Money Making

By: Don_Miller

A good friend once asked me, "How come in the 1950s, you could support a family on a single paycheck, but now my wife and I both have to work to make ends meet?" I'd heard this question many times before. People give countless answers, from the Fed's inflationary policies to the lack of decent-paying manufacturing jobs. Usually, the explanations suggest macroeconomic shifts and major policy changes. And sure, those explanations are a part of it, but folks rarely mention increased expenses and heightened expectations.

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Personal_Finance

Tuesday, November 12, 2013

Nuclear Power, National Security And The Dirty Bomb / Personal_Finance / Nuclear Power

By: Andrew_McKillop

Although severely damaged by the world public opinion fallout from the Fukushima disaster, the nuclear industry continues to claim nuclear power is the low carbon, oil saving energy of the future. Taking the lifetime of the civil nuclear power industry as starting in the late 1950s, however, it has already had a long period through the 1980s and 1990s when world reactor orders and completions were often zero per year. Public confidence is weak.

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Personal_Finance

Tuesday, November 12, 2013

UK Savers’ Situation Still Poor Despite Inflation Falling to CPI 2.2% / Personal_Finance / Savings Accounts

By: MoneyFacts

Inflation figures released today show the Consumer Prices Index (CPI) fell from 2.7% to 2.2% during October.

To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 2.75% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 3.66%.

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Personal_Finance

Monday, November 11, 2013

Are Investors Getting Dumber / Personal_Finance / Learning to Invest

By: Investment_U

I’ve long lamented that basic financial literacy is not a routine part of a high-school education in this country. Students routinely graduate without understanding compound interest, IRAs, mortgages or why we even have a stock market.

And so they trundle out into the real world, saving little, investing poorly (or not at all) and – typically – paying 18.6% annual interest on their credit cards. Within a few years, they are deep in a hole, trying to dig themselves out, and telling anyone who will listen of the essential inequity of the capitalist system.

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Personal_Finance

Sunday, November 03, 2013

Home Winter Weather Proofing 22 Steps to Save Money on Energy and Repair Bills / Personal_Finance / Home Maintenance

By: Sami_Walayat

Now is the time before the temperatures drop to conduct a relatively quick 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 that can result in soaring insurance premiums on claims, as well as save on costly excessive energy usage due to drafts, poor insulation and boiler problems.

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Personal_Finance

Wednesday, October 23, 2013

A Million Dollars Isn’t What It Used to Be / Personal_Finance / Money Making

By: Don_Miller

We all share a common goal: to grow our nest eggs and make sure they last over the long haul. Our generation was taught to live off the interest and never touch the principal, but interest rates for CDs and Treasuries no longer allow for that. Frankly, they don’t even keep up with inflation, so we have to invest our money elsewhere if we want it to last.

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Personal_Finance

Friday, October 18, 2013

Whom Would You Trust with Your Savings: Your Grandfather or Big Brother? / Personal_Finance / Money Saving

By: Don_Miller

My grandfather was named William Smith, and he was about as common a man as his name implies. He was an army sergeant in WW II, then came home and ran the family farm when the war was over. I doubt he ever heard of Keynesian or Austrian economic theories, but his words of wisdom made it clear just where he stood.

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Personal_Finance

Friday, October 18, 2013

British Gas Freezing Pensioners Not Prices, 9.2% Price Hike, Exponential Inflation / Personal_Finance / Household Bills

By: Nadeem_Walayat

It's that time of the year when Britain's cartel of 6 energy suppliers steps forward one by one to announce extortionate price hikes with SSE's 8.2% of a few days ago now being followed by British Gas announcing that they will hike energy prices by 9.2% (gas prices by 8.4% and electricity by 10.4%).

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Personal_Finance

Tuesday, October 15, 2013

The Simple Secret to an Early Retirement / Personal_Finance / Pensions & Retirement

By: Money_Morning

Robert Hsu writes: In my early career, I was fortunate to do well financially while working at Goldman Sachs. I also made the decision to live below my means, and to invest intelligently. By my late twenties, I had amassed a seven-figure nest egg, and in my early thirties, I actually took an extended vacation for about five years.

What I came to learn, however, is that you don't have to work for Goldman Sachs - or be a multi-millionaire - to be able to retire comfortably or early.

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Personal_Finance

Tuesday, October 15, 2013

Puny Savings Interest = No Hope of Matching CPI Inflation / Personal_Finance / Savings Accounts

By: MoneyFacts

Inflation figures released today show the Consumer Prices Index (CPI) stuck at 2.7% during September.

To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 3.38% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 4.50%.

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Personal_Finance

Thursday, October 10, 2013

How to Avoid a Devastating Retirement Planning Mistake / Personal_Finance / Pensions & Retirement

By: Don_Miller

Think you have reached the holy grail of retirement? Good financial planners use sophisticated computer programs to help us set retirement savings goals. They input dozens of variables based on assumptions about how the world works, and out pops a number telling us how much we should save during our working years. That number, combined with Social Security and any pension we're lucky enough to have, is supposed to be the holy grail of retirement. Reach it and you're set for life.

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Personal_Finance

Wednesday, October 09, 2013

Zero Interest Rates - The Federal Reserve’s War on Seniors / Personal_Finance / Pensions & Retirement

By: Jeff_Berwick

Antonius J. Patrick writes: The Federal Reserve’s “zero interest rate policy” (ZIRP) of the last half dozen years or so has been a financial act of war on the country’s seniors and, for that matter, on all savers. Under ZIRP, interest rates are artificially lowered through the Fed's monetary policy popularly known as, "QE," quantitative easing.

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Personal_Finance

Monday, September 30, 2013

UK Fixed Interest Bond Rates Plummet / Personal_Finance / Savings Accounts

By: MoneyFacts

The Government’s Funding for Lending Scheme started in August 2012 and it took roughly a month for it to devastate the savings market.

As rates started to tumble, many people will have opted to invest their savings in fixed rate bonds to protect their returns.

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Personal_Finance

Thursday, September 26, 2013

No Bank Account, No Pension, Will Ever Be Safe / Personal_Finance / Credit Crisis 2013

By: LewRockwell

Michael Snyder writes: Now that “bail-ins” have become accepted practice all over the planet, no bank account and no pension fund will ever be 100% safe again. In fact, Cyprus-style wealth confiscation is already starting to happen all around the world. As you will read about below, private pension funds were just raided by the government in Poland, and a “bail-in” is being organized for one of the largest banks in Italy. Unfortunately, this is just the beginning. The precedent that was set in Cyprus is being used as a template for establishing bail-in procedures in New Zealand, Canada and all over Europe. It is only a matter of time before we see this exact same type of thing happen in the United States as well. From now on, anyone that keeps a large amount of money in any single bank account or retirement fund is being incredibly foolish.

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Personal_Finance

Tuesday, September 24, 2013

Where to Find Yield Without Dividend Stocks, Bonds, or CDs / Personal_Finance / Debt & Loans

By: Don_Miller

Regular readers know how concerned I am about the number of baby boomers and seniors who are financially unprepared for retirement. It's not like the downsides of aging are a secret. As we get older, our bodies wear out and we slow down. Unless we plan to work until the grim reaper shows up at the door, we need to save and invest quite a bit of money.

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Personal_Finance

Thursday, September 19, 2013

Tortoises Win the Retirement Race / Personal_Finance / Pensions & Retirement

By: Don_Miller

The race to the finish line—the time between an empty nest and retirement—is tightening. A major generational shift has taken place, and it's having a huge impact on when and how we save and plan.

Most older baby boomers like myself had children in their 20s and empty nests by age 50. They used that time to accumulate enough money to retire. When my children were in high school, their friends' parents were in their late 30s or early 40s. It was unusual to run across 50-somethings at a PTA meeting or high school basketball game.

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Personal_Finance

Tuesday, September 17, 2013

Continuing High Inflation Means UK Savers Left High and Dry / Personal_Finance / Savings Accounts

By: MoneyFacts

Inflation figures released today show the Consumer Prices Index (CPI) fell from 2.8% to 2.7% during August.

To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 3.38% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 4.5%.

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Personal_Finance

Friday, September 13, 2013

Inflation, Stealth Taxes Consume Stock Gains & Retirement Plans / Personal_Finance / Inflation

By: Dan_Amerman

Why is there a fundamental mismatch between stock market performance as reported in financial headlines – and the actual retirement behavior of the many millions of Americans who own those stocks in their portfolios?

Using 15 years of stock market performance data and the type of analysis tools used by sophisticated wealth management professionals, we will solve that mystery in this research-based tutorial. The results may come as a major surprise, even for well read and financially literate investors who have been buying stocks for decades.

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Personal_Finance

Thursday, September 12, 2013

Are You Really Retired Just Because You Stopped Working? / Personal_Finance / Pensions & Retirement

By: Don_Miller

From the time I took my first job washing cars at age 15 to the day I retired, working kept money flowing into my bank account. I needed money, and so I had to work (no silver spoon here). A few weeks back, I penned an article highlighting how most older folks . Several readers suggested that continuing to work as long as possible is the best way to quell that fear. Could the solution be that simple?

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Personal_Finance

Wednesday, September 11, 2013

Poland Confiscates Private Pensions - Yours Are Next / Personal_Finance / Pensions & Retirement

By: Jeff_Berwick

We have been saying for the last four years that as Europe, the US and other Western and global nation-states continue their debt-fueled collapse the governments of these countries will continue to consider their citizens' wealth to be their own and seize more of their assets.

We have, unfortunately, been vindicated already numerous times.  

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