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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Tuesday, January 16, 2018

The Worst Year on Record for Cash ISA Returns / Personal_Finance / ISA's

By: MoneyFacts

Cash ISAs have been a popular go-to for consumers looking to take advantage of their tax-free allowance, but over the years these deals have dwindled in both number and the returns offered.

The average return on cash ISAs over the past year was just 0.93%, the lowest seen on moneyfacts.co.uk records. In contrast, the average stocks and shares ISA returned growth of 11.75%*. In January 2017, the average cash ISA rate fell to its lowest level at 0.82%, but after several months of consistent rate rises, it has today hit 1.09%. This is, however, still much lower than what could be achieved just two years ago. In April, the anticipated ISA season gave very little, as the average easy access ISA rate and average notice ISA rate both fell to their lowest level.

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Personal_Finance

Monday, January 15, 2018

As Savers Demand Grows, Interest Rates Fall on Short-term Bonds / Personal_Finance / Savings Accounts

By: MoneyFacts

Moneyfacts UK Savings Trends Treasury Report data (not yet published) shows that the average one-year fixed rate has fallen for the first time since January 2017.

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Personal_Finance

Sunday, January 14, 2018

Everything SMIGGLE from Pencil Cases to Water Bottles, Pens and Springs! / Personal_Finance / Shipping

By: Anika_Walayat

SMIGGLE must be commended for being an A1 first class business, for their marketing and product line very strongly appeals to children. However, SMIGGLE's success comes at a price, and that price is paid for by parents. Our latest video illustrates how the SMIGGLE craze manifests itself that has gone far beyond pencil cases and stationary. Even the ordinary water bottle has turned into an must have accessory for parents to pay for, and not just one bottle but the crazy situation of the need for multiple bottles!

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Personal_Finance

Friday, January 12, 2018

Land Rover Discovery Sport Panoramic Sunroof Questions Answered / Personal_Finance / Motoring

By: N_Walayat

Thinking of buying a Land Rover? New or used? Well in this series I cover the real customer experience of what to expect when buying an approved used Land Rover Discovery Sport. In today's video we take a look at the panoramic sunroof, of exactly what to expect and how it functions. Answering questions such as it is transparent when looking from the outside in, and whether the sun roof still has power after the ignition is off, and if so for how long, and apart from the obvious question of what the panoramic sun roof looks like i.e. whether it's worth getting as an option on some trims.

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Personal_Finance

Wednesday, January 03, 2018

How To Make Your Term Paper Writing Easier / Personal_Finance / Education

By: Kavinesh_A

Academic paper writing in any given discipline can be daunting especially if you are trying it out for the very first time. Research paper calls for substantial and theoretical information and this means that you may need to do in-depth research to get the best results with your term paper. But even with the intensive research required, there are effective ways of making the writing easy and high in quality for that matter.
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Personal_Finance

Tuesday, January 02, 2018

Start the New Year Fresh by Consolidating Debts / Personal_Finance / Debt & Loans

By: MoneyFacts

A brand-new year provides the perfect opportunity to revisit finances and work out how much money is being wasted by incurring interest on costly credit cards. As 2018 begins, those borrowers with multiple credit cards could find their debt getting out of hand, with the temptation to borrow becoming too great.

An alternative would be to consolidate debts into one affordable unsecured personal loan, where the monthly repayments would remain unchanged and the debt is guaranteed to be gone by the end of the term – so long as a borrower continues to keep up with repayments, of course.

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Personal_Finance

Tuesday, January 02, 2018

Owning a Land Rover Discovery Sport HSE Black - Day 1 / Personal_Finance / Motoring

By: N_Walayat

Thinking of buying an Approved Used Land rover? Well here in this series I cover the real customer experience of what to expect. In this video shot on day 1 of owning an approved used 15 month only Discovery Sport HSE Black we take a look at it's nicley polished bright and shiny exterior.

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Personal_Finance

Saturday, December 30, 2017

Why NOW is the Best Time to Buy a UK USED CAR from Dealers / Personal_Finance / Motoring

By: Nadeem_Walayat

Find out in my recent video why RIGHT NOW is probably the best time of year to buy a USED car from a UK dealer as we countdown into the end of 2017 and the start of the new year, a twilight zone for dealerships up and down the country starved of car buyer interest that for a short few weeks of the year puts the car buyers at an advantage of what usually comes to pass, and especially of during the summer months. So if you have been considering changing your old car for a newer model then watch my video for the conclusions of my extensive analysis of the UK used car market of the past year.

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Personal_Finance

Friday, December 29, 2017

Acquire elegant collections of engagement rings at a professional store / Personal_Finance / Shopping

By: Submissions

Engagement rings are the ultimate expression of love and, one can choose the design for a personal touch. In fact, it is easy to design the ring of your dreams and bring down necessary collections from a professional store. Some rings come out from several rstyles such as: solitaire, pave, and halo as per the unique collection.

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Personal_Finance

Thursday, December 28, 2017

2007 All Over Again, Borrowers Start Scamming Desperate Lenders / Personal_Finance / Global Debt Crisis 2018

By: John_Rubino

One of the hallmarks of late-stage bubbles is a shift of power from lenders to borrowers. As asset prices soar and interest rates plunge it becomes harder to generate a decent yield on bonds and other fixed income securities, so people with money to lend (like pension funds and bond mutual funds) are forced to accept ever-less-favorable and therefore far-more-risky terms.

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Personal_Finance

Thursday, December 28, 2017

How to Nurse That Debt Hangover After the Christmas Spending Binge / Personal_Finance / Debt & Loans

By: MoneyFacts

Consumers that overspent this Christmas might be facing a financial headache right now. Whilst using an overdraft is a convenient way to tide borrowers over until pay day, the cost to do so can be much more expensive than other forms of borrowing.

According to the latest research by moneyfacts.co.uk, the cost of the convenience of using an overdraft or a credit card can bite in a period of just three months, and with January sales looming, some consumers may be waiting until late February before they get back in the black.

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Personal_Finance

Wednesday, December 27, 2017

Christmas Chocolate Cake Kids Baking Holiday Fun Activity / Personal_Finance / How to Guides

By: Anika_Walayat

Anika aged 9 demonstrates how to have fun during the Christmas holidays as its literally child's play to bake an amazing, delicious chocolate cake. It's easy so come on kids get your parents involved and lets all get baking fresh chocolate cakes during the x-mas holiday!

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Personal_Finance

Sunday, December 24, 2017

Christmas Eve Online Sales 2017, Boxing Day High Street Sales Full List / Personal_Finance / Shopping

By: Nadeem_Walayat

Britain's Christmas high street sales frenzy is about to reach maximum intensity on Boxing day whilst most major retailers such as NEXT and PC World / Curry's will start their sales online on Christmas Eve so as to maximise profits from the the army of point and click armchair shoppers. Here is a comprehensive list of sales starting today, Christmas Eve and continuing into the high streets on Boxing day as well as those already well underway. As distressed retailers who have had an horrid year as illustratated by ToysRUs which this week came within hours of going bust as illustrated by recent video.

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Personal_Finance

Wednesday, December 20, 2017

Could Toys R Us Crisis Collapse Give Shoppers Closing Down Sales Discount Bargains? / Personal_Finance / Retail Sector

By: Nadeem_Walayat

The British arm of Toys R Us has been teetering on the brink of collapse for several months now following it's american parent company filing for bankruptcy protection in September 2017 that triggered a downsizing programme through rapid store closures that are likely to see at least 200 of it's 866 US stores close in an attempt at reducing its $5 billion debt mountain which dates back to its leveraged buy out of 2005 that costs Toys R Us $400 billion a year in interest payments and thus acts as a huge noose around Toys R Us's corporate neck.

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Personal_Finance

Tuesday, December 19, 2017

Recoverable VAT: how it compares to part-recoverable and non-recoverable Value Added Tax / Personal_Finance / Taxes

By: Boris_Dzhingarov

Taxes are an integral part of the governments where we reside. They are compulsory contributions under certain conditions and classifications such as income, consumption or sales, among others. There are many tax laws that are unique only to certain countries, while there are also some countries with similar tax structures.

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Personal_Finance

Monday, December 18, 2017

Balance Transfer Fees Fall to Lowest Level in Over a Decade / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

The quarterly Moneyfacts UK Credit Card Trends Treasury Report (recently published), which studies the UK personal finance market, highlights that the average balance transfer fee has fallen to reach the lowest level seen in over a decade.

At a time when the length of interest-free balance transfers faces scrutiny, it appears that providers are finding alternative ways to entice borrowers. As a result, the average balance transfer fee has hit 2.03%, down from 2.11% in September and 2.29% a year ago. The current average is the lowest seen since it hit 1.82% in October 2006.

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Personal_Finance

Monday, December 18, 2017

UK Used Car Christmas From Dealers Buying Discount Sales Bargains / Personal_Finance / Money Saving

By: Nadeem_Walayat

A google search soon reveals that the consensus view of the best times of year to buy a used car in the UK tend to coalesce around the two plate changes of the year, i.e. 1st of March and 1st September as being the most commonly propagated online advice to buy just before and after the plate changes. Next often repeated are the dealers end of quarter sales targets for bonuses and other perks, namely by the end of March, June, Sept and December. And also often mentioned are expectations that the best used car deals tend to be in the winter months due to less consumer demand.

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Personal_Finance

Wednesday, December 13, 2017

Best Time / Month of Year to BUY a USED Car is DECEMBER, UK Analysis / Personal_Finance / Motoring

By: Nadeem_Walayat

A google search soon reveals that the consensus view of the best times of year to buy a used car in the UK tend to coalesce around the two plate changes of the year, i.e. 1st of March and 1st September as being the most commonly propagated online advice to buy just before and after the plate changes. Next often repeated are the dealers end of quarter sales targets for bonuses and other perks, namely by the end of March, June, Sept and December. And also often mentioned are expectations that the best used car deals tend to be in the winter months due to less consumer demand.

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Personal_Finance

Tuesday, December 12, 2017

2017 Was a Roller Coaster Year For UK Savers / Personal_Finance / Savings Accounts

By: MoneyFacts

As we come close to the end of 2017, the latest research from moneyfacts.co.uk shows it has been a roller coaster year for savers. Savings rates fell to record lows for various fixed bonds in January and for variable rates in February, but thankfully as the end of the year draws near, rates in both areas have improvement immensely.

Fixed rates have risen considerably this year, with the average five-year bond hitting 2.03%, its highest level since July 2016 when it was 2.05%. The short-term bonds have also recovered to the extent that today, the average one-year bond stands at 1.17%, its highest point since July 2016 when it was 1.20%.

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Personal_Finance

Tuesday, December 12, 2017

Approved Used Land Rover Main Dealer Real Customer Buying Guide - Hunters, Chester / Personal_Finance / Land Rover

By: Nadeem_Walayat

Thinking of buying an 'approved used' Land Rover Discovery Sport (HSE Black) or any of the range rover models? Then here is what a 'real' customer can expect when buying from a main dealer. This video illustrates the process a typical buyer can expect from a Land Rover dealer (Hunters) from as soon as one drives onto the dealerships forecourt, test driving, documentation, part exchanging, paperwork, insuring, taxing and payment, all the way to when one drives off with their car a few hours later. The 'REAL' experience of what to expect over the 'approved used' sales pitch list of x,y,z, which does not quite pan out in reality.

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