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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Friday, August 24, 2007

Beware of Headline Savings Interest Rates…Over 75% Have a Sting in the Tail / Personal_Finance / Savings Accounts

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk – the money search engine, comments: “With the aftermath of the last interest rise rate finally over, and most providers opting for the full quarter point increase, it is pleasing to see that over 90 bank and building society variable rate accounts now pay at least 5.75% (base rate). But the rate is only part of the picture when it comes to a competitive savings account. Too many of the high paying accounts come with restrictions and conditions.

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

 


Personal_Finance

Wednesday, August 15, 2007

Student Credit Cards – Handle With Extreme Care! / Personal_Finance / Student Finances

By: MoneyFacts

Lisa Taylor, analyst at Moneyfacts.co.uk – the money search engine, comments:“Most banks will offer you a student credit card, which in some cases will be a specific student card, while others will provide you with one of their standard cards.

“While the spending limit you will be offered will usually be fairly low, (typically around £500), the interest rate charged will not be – in some cases almost 20%.

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

 


Personal_Finance

Thursday, August 09, 2007

UK Savings, Banking and Mortgage Account Updates / Personal_Finance / UK Banking

By: MoneyFacts

Moneyfacts.co.uk team comments on:
o HSBC fee free mortgage
o Rising overdraft rates
o Savings –base rate effect finally over

HSBC fee free mortgage

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

 


Personal_Finance

Wednesday, August 08, 2007

The Best Mini Cash ISA Tax Free Savings Account - August 2007 / Personal_Finance / ISA's

By: Shahla_Walayat

UK Interest rates were raised to 5.75% in July and over the last 6 weeks many cash ISA providers have reflected the change by raising interest rates on the cash element of individual savings accounts. The following table represents a selection of the best Cash ISA accounts currently available.

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

 


Personal_Finance

Thursday, August 02, 2007

Good News For Borrowers As Exit Mortgage Exit Fees Fall, But At the Cost of Rising Mortgage Arrangement Fees / Personal_Finance / Mortgages

By: MoneyFacts

Julia Harris, Mortgage Expert at Moneyfacts.co.uk – the money search engine, comments:“The month following the latest base rate rise to 5.75% has seen a raft of rate rises. Not only have variable rate mortgages increased, with swap rates also on an upward trend, fixed rate deals have been hit hard with rising rates too.

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

 


Personal_Finance

Sunday, July 29, 2007

Nationwide International Launch US Dollar and Euro Tracker Premium Accounts offering Leading Interest Rates / Personal_Finance / Savings Accounts

By: Nationwide

Nationwide International has today announced that it will be launching US Dollar and Euro Tracker Premium accounts with effect from Wednesday 1 August 2007. The accounts will offer market leading interest rates on offshore, no notice foreign currency accounts.

The new accounts will be available to new and existing customers and will offer:

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

 


Personal_Finance

Wednesday, July 25, 2007

Top 10 Personal Finance Tips For Students by Moneyfacts.co.uk / Personal_Finance / Student Finances

By: MoneyFacts

Lisa Taylor, analyst at Moneyfacts.co.uk – the money search engine, comments:“With only a few weeks to go before the long awaited A’ Level results are published, some school leavers will be excitedly preparing to go off to university. As part of their new lifestyle, it may be the first time they have full control over their own finances, receiving lump sums, and having to pay bills. So getting it right financially can be one step towards surviving those student years.

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

 


Personal_Finance

Monday, July 23, 2007

Advice for Homeowners Affected by the UK Floods / Personal_Finance / Climate Change

By: Nationwide

Nationwide writes: With more flooding expected this weekend, Nationwide Building Society offers tips for homeowners who could be affected.

Nationwide recommends those affected by flood waters should:

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

 


Personal_Finance

Saturday, July 21, 2007

Three Million Brits Are Slaving Today For a Better Tomorrow, says Fool.co.uk / Personal_Finance / Pensions & Retirement

By: Fool.co.uk

We expect to retire at 59 with a pension pot of £650,000 3 million Brits are slaving today for a better tomorrow

Around 3 million gritty Brits are living reduced lifestyles today so they can enjoy a better retirement tomorrow. One in two people in Britain expect to maintain their current lifestyle when they retire, but one in six people are living for today rather than tomorrow.

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

 


Personal_Finance

Friday, July 20, 2007

Ten Top Tips For Selling Your Home / Personal_Finance / UK Housing

By: Nationwide

Nationwide research reveals the most important things to consider when selling a property

Following a recent report* of a reduction in the number of buyers visiting estate agents, the competition to sell property is stronger than ever.

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

 


Personal_Finance

Thursday, July 19, 2007

New Inflation Beater Bond from Leeds BS and Loans Getting More Expensive / Personal_Finance / UK Banking

By: MoneyFacts

Lisa Taylor, analyst at Moneyfacts.co.uk – the money search engine comments:

Loan rates getting more expensive

“Although not directly linked to base rate, a trend has emerged that loan rates are being tweaked quite quickly following base rate rises. However, the size of the rate rises do not always correlate with the increase in base rate, take the examples below, where the loan increases are anything up to one per cent for certain loan amounts. So with that said there must also be other factors contributing towards these rises. Perhaps it’s a combined effect of rising costs and bad debt provisions.”

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

 


Personal_Finance

Monday, July 16, 2007

Best Cash ISA Tax Free Savings Accounts - Updated July 2007 / Personal_Finance / ISA's

By: Shahla_Walayat

UK Interest rates were recently increased to 5.75% and now cash ISA providers are starting to reflect the change by raising interest rates on the cash element of individual savings accounts. The following table represents a selection of the best Cash ISA rates currently available.

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

 


Personal_Finance

Monday, July 16, 2007

The Halifax Websaver's Excellent Short-Term Fixed Interest Rates / Personal_Finance / Savings Accounts

By: Shahla_Walayat

Halifax's flagship online savings account, the 'WebSaver' on face value offers a relatively poor interest of just 5.05%, but dig a little deeper and you would be surprised by the short-term fixed rates currently available. starting at 6.15% and rising to 6.57%

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

 


Personal_Finance

Friday, July 13, 2007

Nationwide Launches New UK 25 Year Fixed Rate Mortgage / Personal_Finance / Mortgages

By: Nationwide

Guaranteed stability of payments for 25 years, with full flexibility after 10 years

Nationwide Building Society today announced the reintroduction of its innovative 25 year fixed rate mortgage at a rate of 6.39%. The new 25 year fixed rate will be available from Tuesday 17 July.

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

 


Personal_Finance

Thursday, July 12, 2007

Don't Get Burnt with Unnecessary Foreign Credit Card Usage Fees this Summer / Personal_Finance / Credit Cards & Scoring

By: Nationwide

Nationwide reveals holidaymaker's lost £326 million last year : With summer holidays around the corner, millions of holidaymaker's are planning to travel abroad. Despite shopping for the best holiday deal, many people overlook the foreign usage charges imposed by their card provider. Nationwide estimates that travelers wasted over £326 million* in unnecessary foreign loading fees on their credit card whilst abroad last year. The Society therefore urges consumers to pay as much attention when selecting the card they take abroad, as they do in choosing the perfect holiday destination.

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

 


Personal_Finance

Thursday, July 12, 2007

Moneyfacts.co.uk Comments on the Long Term Fixed Rate Mortgage Market / Personal_Finance / Mortgages

By: MoneyFacts

Lisa Taylor, Analyst at Moneyfacts.co.uk – the money search engine comments:“This week Alistair Darling, the new chancellor of the exchequer announced that Labour would shortly be issuing proposals to increase the supply of long term fixed rate loans, in a bid to tackle the affordability crisis and concerns that the short term market thrives on collecting regular arrangement fee income.

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

 


Personal_Finance

Wednesday, July 04, 2007

UK Government is Still Underestimating Inflation According to Fool.co.uk's Inflation Index / Personal_Finance / Inflation

By: Fool.co.uk

Despite two interest rate hikes this year to curb the cost of living, Fool.co.uk readers say official inflation figures are still wide of the mark (1).

  • Consumers say the true rate of inflation is 7.3% not 2.5%
  • Inflation is lower for men than women
  • Older people are worst affected by inflation
  • Scotland experiences the lowest rate of inflation
  • Northern Ireland experiences the highest rate of inflation
Read full article... Read full article...

 


Personal_Finance

Wednesday, July 04, 2007

Impact of Interest Rate Rise to 5.75percent on Mortgages and Savings / Personal_Finance / UK Interest Rates

By: MoneyFacts

Moneyfacts.co.uk – Base Rate Ready Reckoner : With base rate almost certain to rise a further 0.25% this Thursday, this might come in handy!

MORTGAGES
Impact of a further increase

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

 


Personal_Finance

Monday, July 02, 2007

Headline grabbing savings accounts – How long before we see a 20% interest rate? / Personal_Finance / Savings Accounts

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk – the money search engine, comments on the new regular savings accounts launched today from Alliance & Leicester and Abbey:

Alliance & Leicester
“Alliance & Leicester has really taken savings market to another level with the launch of its Mortgage Regular Saver, not only in terms of its headline rate but also the number of conditions that are attached. The headline interest rate of 15% may look fantastic, and for anyone who can match the account requirements it is the best paying regular saver on the market.

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

 


Personal_Finance

Wednesday, June 27, 2007

Barclays Tax Beater Cash ISA Does Not Live Up to Promises of Back Dating Interest / Personal_Finance / ISA's

By: Nadeem_Walayat

Many UK Savers investing in the Barclays Tax Beater Cash ISA were sucked into the headline 6.50% interest rate, well above competitor cash ISA's that at the time were hovering at around 6%. However on opening a Tax Beater Cash ISA, savers were met with an open ended delay in account opening, running into several months.

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

 


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