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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Wednesday, May 09, 2007

The Child Trust Fund Reaches its Second Birthday / Personal_Finance / CTF

By: Nationwide

But children are still losing out on a potential £7.5 million in the first 12 months

The Child Trust Fund recently celebrated its second birthday yet the latest Government figures showed that nearly a quarter of all Child Trust Fund (CTF) vouchers issued were not invested by parents within the 12 month time frame. Nationwide Building Society is calling on the Government to do more to encourage parents to invest their child's voucher sooner, so children do not miss out on significant interest or investment growth.

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Personal_Finance

Wednesday, May 09, 2007

SMEs set to benefit – business bank current account sector springs to life / Personal_Finance / SME

By: MoneyFacts

Lee Tillcock, Editor of Business Moneyfacts comments:“According to recent research by Standard Life Bank, British SMEs are missing out on just over a billion pounds a year by keeping their money in low-paying business current accounts, with 60 per cent unhappy with the level of interest they are paid.

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Personal_Finance

Tuesday, May 08, 2007

Personal Finance Update - A&L Regular Saver, Mortgages and PPI / Personal_Finance / UK Banking

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk – the money search engine, comments:

A&L regular saver makes a comeback

“Alliance & Leicester has relaunched its regular saver, but savers should still be ware of the limitations that such an account offers. Whilst the account offers a market-leading rate of 12%, this is limited to a total investment of £3K over a year, spread across maximum monthly contributions of £250. The account also requires that a Premier Current Account is opened, which pays 1.49% credit interest; that’s 4.45% lower than the award winning Premier Direct Account which Alliance & Leicester offers.

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Personal_Finance

Thursday, May 03, 2007

Vote for the Best Bank in Britain, Abbey National leads the pack / Personal_Finance / Current Accounts

By: Shahla_Walayat

With the UK local election voting taking place today, we remind readers of the ongoing Market Oracle poll on the Best UK Bank for Personal Banking services such as current accounts.

With some 230 votes in, the results so far show the following top 5 banking institutions by number of votes cast from a selection of 29 options.

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Personal_Finance

Saturday, April 28, 2007

The OFT to Investigate UK Personal Current Account Charges / Personal_Finance / UK Banking

By: Shahla_Walayat

In a recent statement the Office of Fair Trading announced that it is launching an study into personal bank current account pricing, alongside a formal investigation into the fairness of charges for unauthorised overdrafts and returned items.

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Personal_Finance

Friday, April 27, 2007

An Update on UK Savings Accounts, Mortgages and Store Cards / Personal_Finance / UK Banking

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk – the money search engine, comments:

Too many poor paying accounts

Moneyfacts.co.uk savings survey – key findings
• Average no notice / instant access savings rate is 3.65% (£5K)
• Average notice savings rate is 3.795% (£5K)
• 25% of no notice accounts pay rates below 3.10%, the CPI figure, while a staggering 69% pay less than 4.80% - RPI.
• 17% of no notice accounts pay rates equal to or greater than 5.25% - Bank Base Rate

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Personal_Finance

Thursday, April 26, 2007

VOTE NOW - Which UK Bank or Building Society Offers the Best Personal Banking Services? / Personal_Finance / UK Banking

By: Shahla_Walayat

The MarketOracle.co.uk asks: of the top UK banking & financial institutions, in your experience which do you consider offers the best personal banking services ?

The key items to consider when deciding your vote :

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Personal_Finance

Wednesday, April 25, 2007

Are Individual Voluntary Arrangements (IVAs) Too Good to be True? / Personal_Finance / Debt & Loans

By: Submissions

Cheryl Corker writes - IVAs were introduced by the government in 1986 as a legitimate alternative to bankruptcy. Since then they have become increasingly popular amongst those looking for a solution to their debt problems. A key contributor to the popularity of IVAs is the fact that in some cases they can result in a significant part of a persons debt being written off completely.

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Personal_Finance

Saturday, April 21, 2007

Beat Inflation By Increasing Your Real Rate of Return on UK Savings Accounts / Personal_Finance / Savings Accounts

By: Shahla_Walayat

Inflation as measured by the Retail Price Index (RPI) hit 4.8% this week. Which means that many savings accounts on the market are failing to keep pace with inflation and the value of your hard earned savings is falling.

Some of the most popular accounts such as Halifax Websaver at 5% and Cahoot Saving Account at 5.25% are paying basic rate tax payers a net return of just 4% and 4.2%. Which is less than the rate of inflation. Even at the top of the market range accounts such as ICICI Savings account at 5.65% fails to deliver a return in real terms, coming in at a net 4.52%.

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Personal_Finance

Friday, April 20, 2007

Nationwide Building Society today announces changes to its range of Fixed and Tracker rate Mortgages / Personal_Finance / Mortgages

By: Nationwide

Nationwide will be decreasing the rate on its two year tracker product for remortgagers and switchers. At the same time, Nationwide will be increasing some of the rates on its fixed and tracker rate mortgages. The new rates are available from Tuesday 24 April 2007.

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Personal_Finance

Wednesday, April 18, 2007

The Aftermath of the OFTs Credit Card Fee Capping Continues… / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Michelle Slade, personal finance analyst at moneyfacts.co.uk – the money search engine, comments: “It’s now almost a year since the OFT capped credit card penalty fees at £12, but the repercussions are still rumbling on with little sign of letting up. In the last two weeks alone a further seven providers have increased rates or fees (see table below).

“While other factors, including levels of bad debts will have an impact, it cannot be disputed that the OFTs actions has spread the cost burden to a much wider customer base, with card providers continually seeking ways to recoup this lost revenue.

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Personal_Finance

Wednesday, April 18, 2007

Switching Your Bank Current Account pays – Moneyfacts.co.uk experts practice what they preach / Personal_Finance / UK Banking

By: MoneyFacts

Michelle Slade, personal finance analyst at moneyfacts.co.uk – the money search engine, comments: “If you don’t trust your bank, or feel it is not offering you the best customer service, products or rates then why not vote with your feet and switch providers?

“The current account war shows little sign of abating, with several providers battling to offer the best current account rates and deals. So why not reap the rewards from switching? You will certainly find some great rates and perhaps an additional financial incentive too.

“In previous years Alliance & Leicester comfortably held the top spot for current account credit and debit interest rates, but more recently its position in the credit interest best buy tables has been hotly contested by the likes of Halifax, Abbey and Coventry BS.

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Personal_Finance

Wednesday, April 18, 2007

Will Buy to Let landlords say 'no' to housing benefit tenants? / Personal_Finance / Buy to Let

By: Submissions

Amy Watson writes: Private sector landlords are being advised to refuse tenancies to housing benefit claimants.

The Residential Landlords Association – which represents members owning over 100,000 private rented properties throughout the UK – is advising them to remove their homes from that market.

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Personal_Finance

Tuesday, April 17, 2007

Don't forget your existing Cash ISAs / Personal_Finance / ISA's

By: MoneyFacts

Rachel Thrussell , head of savings at moneyfacts.co.uk – the money search engine , comments: “As the new tax year begins, many of us will be shopping around for a home for our 2007/2008 ISA savings. But with up to eight years worth of ISA and the potential of up £9K TESSA contributions, your existing tax free cash savings pot could already be in excess of £33K, so it is equally if not more important to check you are getting the best possible deal on your existing savings too.

“Unfortunately its not as simple as looking for the best current deals, as almost all best buy rates won't accept transfers in (hence the ability to offer higher interest rates) and just under half of all ISAs currently available are open for current year's subscriptions only.

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

 


Personal_Finance

Sunday, April 15, 2007

Britain's Least Trusted Banks / Personal_Finance / UK Banking

By: Fool.co.uk

Sonia Rehill writes:
•Barclays is the least trusted bank in Britain.
•Two-thirds of “Big 5” customers do not trust their banks to sell them the right products.
•One in eight customers claim that they have been victims of mis-selling.
•One in six people have had money go missing from their accounts.

Barclays is the least trusted of the “Big 5” high street banks according to new research (1) by independent personal finance website fool.co.uk

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

 


Personal_Finance

Wednesday, April 11, 2007

Increase interest rates on your savings accounts by up to 4.81% by saving online says moneyfacts.co.uk / Personal_Finance / Savings Accounts

By: MoneyFacts

Vote with your feet and get to work with your mouse

Rachel Thrussell Head of savings at moneyfacts.co.uk – the money search engine, comments: “With more and more banks closing branches, reducing opening times and cutting staff numbers, traditional branch banking may not always fit in with our busy 24/7 lifestyles. With internet banking providing a round the clock service, offering many of the facilities available in branch, it could be the perfect solution. And as the cherry on the cake, most internet accounts pay much better rates.

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Personal_Finance

Monday, April 09, 2007

ISA's and Saving Accounts - Can't Save or Won't Save / Personal_Finance / Savings Accounts

By: Submissions

Rachel Le Brocq writes : “I can't afford to” is a phrase often used when people are asked why they don't save; but why do some people save more and others save less, even though they are in similar situations?  A report, published today by the Building Societies Association, shows that one of the biggest barriers to saving isn't how much money you have, but the way you think about it.

The Individual's Saving Decision¹ reveals that almost a third (30%) of those people who do not save at the moment say absolutely nothing could persuade them to save.  Whilst some of these people really will not be able to save, many others can, but have chosen not to. 

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Personal_Finance

Wednesday, April 04, 2007

Easter Holiday Makers are Hopping Mad Over Credit & Debit Card Foreign Exchange Usage Fees / Personal_Finance / Credit Cards & Scoring

By: Nationwide

UK holidaymakers wasted nearly £16 million last Easter

Nationwide Building Society is urging Easter holidaymakers across the country not to make the same mistake as last year by incurring unnecessary charges for using their cards abroad. Last Easter over 15 million* UK holidaymakers travelled to Europe and wasted nearly £16 million** in foreign usage charges on credit and debit cards.

This Easter, people heading abroad for a week of sun or for a city break should make the switch to one of Nationwide’s credit or debit cards, that all offer free card use abroad. Last Easter Nationwide saved its customers almost £1 million*** by not charging them for using their cards abroad.

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Personal_Finance

Wednesday, April 04, 2007

Best Cash ISA Tax Free Savings Accounts for the New Tax Year and Cash ISA Rules / Personal_Finance / Savings Accounts

By: Shahla_Walayat

The New Tax year is virtually upon us and nearly everyone over age 16 has a fresh £3000 allowance to add to their tax free Cash ISA accounts.

But first, if you have not already used your £3000 cash isa allowance for the 2006-07 tax year, then today (5th April) is your last day ! probably the easiest way would be to top up your existing Cash ISA which you should be able to do over the phone or at the branch.

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Personal_Finance

Monday, April 02, 2007

Moneyfacts.co.uk mini cash ISA survey 2007 shows you need to act quickly to get your hands on the best ISA deals / Personal_Finance / Savings Accounts

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk – the money search engine, comments on this year’s finding: “This year’s moneyfacts.co.uk mini cash ISA survey shows the projected value of £3,000 over the tax year 2006 to 2007. Assuming that the full investment of £3,000 was made on 6 April 2006, that no withdrawals were made and all interest was compounded during the tax year, the survey has wielded some very interesting results.

“Alliance & Leicester, this year’s clear winner claims the top spot in the survey with its Direct ISA, returning £3,163.46. A no notice account, the product was launched on 9 January last year with a rate of 5.20%, but this included an introductory offer of a 0.70% bonus, which was swiftly withdrawn on 12 April. Transfers in were accepted, but it clearly demonstrates that investors had to be quick off the mark after the new tax year began if they wanted to take advantage of the product.

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