Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Tuesday, April 19, 2016
UK Savers Loyalty Doesn’t Pay / Personal_Finance / Savings Accounts
By: MoneyFacts
Loyalty savings products are often marketed as exclusive deals that are only available to the select few who hold the right products. If you fit the criteria, this can be a tempting offer, but these deals don’t necessarily offer the best rates on the market.
Moneyfacts.co.uk analysed products that are only available to customers who hold existing accounts with the provider and found that they would actually be better off shopping around, something that is clearly illustrated in the table below.
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Tuesday, April 19, 2016
UEFA Champions League 2016 Final Walkers PepsiCo Prizes Delivery (5) / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
Find out in our final tally of prizes won in the UEFA Champions League Pepsi/Walkers easy to win promo. See what arrived in delivery no5, and what my overall impressions are of the promo and what to expect for future comps in terms of actual delivery of prizes against wins.
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Wednesday, April 13, 2016
Report Reveals 10% fall in UK Retirement Incomes in Just One Year / Personal_Finance / Pensions & Retirement
By: MoneyFacts
Key findings:
· Average retirement incomes are at record lows one year into the new pension freedoms landscape
· Retirees looking for a secure income face the unenviable position of annuitising at all-time low rates
· Enhanced annuities have seen bigger rate decreases than standard annuities
· The average pension fund has fallen by 2.3% over the last 12 months
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Tuesday, April 12, 2016
Cold Shoulder for UK Savers as Market is Hit by Interest Rate Cuts / Personal_Finance / Savings Accounts
By: MoneyFacts
Data from Moneyfacts.co.uk can reveal that rate reductions in the savings market have now outweighed rate rises for six consecutive months.
In March, Moneyfacts recorded just 18 savings rate rises. Disappointingly, rate reductions over the same period completely overshadowed this figure, with the number of rate decreases over the month hitting 123, which means that 87% of rate changes were cuts.
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Friday, April 08, 2016
Making the Most of Your Personal Freedom and Financial Opportunity Around the World / Personal_Finance / Investing 2016
By: Casey_Research
(Editor’s Note: This is Doug Casey’s foreword to Casey Research’s Handbook for Surviving the Coming Financial Crisis.)
Right now, we are exiting the eye of the giant financial hurricane that we entered in 2007, and we’re going into its trailing edge.
It’s going to be much more severe, different, and longer lasting than what we saw in 2008 and 2009.
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Thursday, April 07, 2016
Best Cash ISA for 2016-17, 4% Help to Buy and P2P 9% Alternatives? / Personal_Finance / ISA's
By: Nadeem_Walayat
Good news, its a new tax year which means savers can deposit upto £15,240 into a tax free cash ISA savings account. Now for the bad news, the banking syndicate's cash ISA rates continue to be relentlessly ground down towards ZERO, where each new tax year tends to see worsening rates offered and this year is no different, Worse still is that Britains banks tend to further penalise ISA savers by typically paying LESS interest than on the SAME term NON ISA account, which makes a mockery of the large annual ISA allowances of £15,240, which means its near impossible to find a rate even half the 5% that could be secured in the pre-funding for lending scheme days (July 2012).
Wednesday, April 06, 2016
How to Prevent Hackers from Stealing Your Bank Account / Personal_Finance / Cyber Crime
By: Casey_Research
By Justin Spittler
If you use the Internet, your bank account is at risk...
On Monday, “terrorists” attacked a major U.S. hospital.
They didn’t set off a bomb or fire a single bullet. They infected the hospital with a computer virus.
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Tuesday, April 05, 2016
Has the Financial World Learned its Lesson from Madoff? / Personal_Finance / Scams
By: Boris_Dzhingarov
The idea of anything as devastating as the Madoff scandal ever happening in the financial world again is a terrifying one; the Ponzi scheme is considered one of the biggest economic crimes of recent years, affecting thousands of private and corporate investors. Many of its victims are still attempting to rebuild their lives, despite almost eight years passing since Bernie Madoff’s tearful confession to his sons one December evening in 2008. It’s therefore not difficult to see why so many are fearful of history repeating itself. Two big questions remain unanswered though; why was Madoff allowed to get away with his scheme for so long, and has the financial world really learned its lesson?
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Monday, April 04, 2016
Stocks & shares ISAs Deliver Weakest Performance Since 2008 Financial Crisis / Personal_Finance / ISA's
By: MoneyFacts
· The average performance of a stocks & shares ISA has fallen by 2.7% during the 2015/16 tax year so far, the worst growth since the 2008 financial crisis.
· This compares with an average cash ISA rate of 1.44% over the same period.
· The average stocks & shares ISA has failed to deliver positive growth in seven of the 17 tax years since the introduction of ISAs in 1999.
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Sunday, April 03, 2016
UEFA Champions League 2016 T-Shirts Quality Walkers Prizes Delivery 4 / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
It's our fourth delivery of prizes in the PEPSICo Walkers crisps UEFA Champions League easy to win promo. Today, for the first time we find out what the quality of T-Shirts is actually like. So find out in this video if the long wait has been worthwhile or not. The promotion is still running, so you have about 3 more weeks to win your own t-shirts, sharing bowls and footballs so make sure to check out our other videos giving tips on how to maximise wins.
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Thursday, March 31, 2016
How Pension Plans Are Coping With Financial Repression w/FRA / Personal_Finance / Pensions & Retirement
By: Gordon_T_Long
Professor and CEO of Create-Research Amin Rajan shares his knowledge with an in depth interview on Risk Mitigation and how European Pension Plans are Coping with Financial Repression with FRA Co-Founder Gordon T Long .
Amin Rajan worked as an economic forecaster in the UK treasury for over 8 years, and since then has been focusing on investment matters driven by macro investment behaviors catering to pension funds, insurance companies and wealth managers.
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Wednesday, March 30, 2016
Cash ISA Season Sees Interest rate Cuts Dominate by 90% / Personal_Finance / ISA's
By: MoneyFacts
The latest research from Moneyfacts.co.uk reveals that savers are facing the worst ISA season on record. ISA rates have hit rock-bottom lows, fuelled by the number of heavy cuts vastly outweighing any rises, with 90% of recent rate changes being cuts.
Since January, Moneyfacts.co.uk has recorded 151 rate changes for ISAs, of which 136 were rate cuts and just 15 were rate rises. Away from rate cuts there has also been a drop in the number of deals available, despite a few challenger brands entering the playing field.
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Tuesday, March 29, 2016
Using Crowdfunding As Part Of A Comprehensive Personal Finance Strategy / Personal_Finance / Money Making
By: Larissa_James
Crowdfunding is being used for everything these days, from launching promising startups to affording education. As you chart out your personal financial goals and the plan that you need to achieve them, you may find yourself wondering about the possibilities for crowdfunding to help you in your own life. This is especially true if you’re struggling with debt or if you can’t seem to get solid footing for yourself when it comes to paying your bills.
In some cases, crowdfunding is the right way to go, but you have to know what you’re doing; otherwise, you’ll earn zero donations, and you might damage your reputation in the process.
Friday, March 25, 2016
UEFA Champions League 2016 PepsiCo Walkers Prizes Delivery 3 / Personal_Finance / Freebies and Comps
By: Adnaan_Walayat
Its time to find out what's in our THIRD batch of prizes delivered, won in the easy to to win UEFA champions league PEPSI and walkers crisps promo, see the tallys for whats recieved and what's still pending as clues of what to expect. The comp's still running so make sure to check out our other videos giving tips on how to maximise wins.
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Tuesday, March 22, 2016
UK Savings Interest Rate Landslide / Personal_Finance / Savings Accounts
By: MoneyFacts
Data from Moneyfacts.co.uk can reveal that rate reductions in the savings market have now outweighed rate rises for five consecutive months.
In February, Moneyfacts recorded just 12 savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases over the month standing at a staggering 235, with some deals falling by as much as 0.74%.
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Tuesday, March 22, 2016
Legoland, Alton Towers... Grown Ups Go FREE 2016, 2017 on Kellogg's, Crunchy Nut, Rice Krispies... / Personal_Finance / Money Saving
By: Anika_Walayat
The easter school holidays have just begun with parents seeking ways to keep their kids entertained during the 2 week holiday that will likely include a trip to a major UK theme park. We'll here is some great news, Kellogg's are running a promotion that allows entry into the UK's top theme parks until June 2017! So plenty of time to use the vouchers to gain entry into 14 UK theme parks that include Alton Towers, Legoland, Chessington, the Dungeon, Sea Life, Shreks Adventure and Madame Tussaud's.
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Monday, March 21, 2016
Over 90% of Current Accounts Charge Fees / Personal_Finance / Current Accounts
By: MoneyFacts
The latest research from Moneyfacts.co.ukreveals that more and more day-to-day current accountcustomers* are paying fees to use their account. Traditionally, customers would pay fees to get extra add-ons, such as travel insurance, but not all fee-charging accounts continue to reward their customers in this way.
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Thursday, March 17, 2016
Lifetime ISA - Another Boost for UK House Prices and Worsen Housing Market Crisis / Personal_Finance / ISA's
By: Nadeem_Walayat
George Osborne's flag ship personal savings account change of Budget 2016 is the announcement of the Lifetime ISA. Which is the latest of a myriad of policies aimed squarely at stoking UK housing market demand, effectively QE for first time buyers as the government seeks to hand out £1,000 for every £4,000 saved as long the monies are used to either buy ones first home or to fund retirement.
Wednesday, March 16, 2016
The War on Cash is Real! / Personal_Finance / War on Cash
By: Gordon_T_Long
Gordon T Long, Co-Founder of FRA interviewed Egon von Greyerz in Zurick. Egon Von Greherz is the founder of Matterhorn Asset Management who has worked as a financial director for over 17 years in Geneva, and has been advocating for wealth preservation through Gold for over 13 years. MAM now has plans in over 40 countries for investors to place their savings into physical Gold storage for preservation in the world’s largest Gold vault in Switzerland.
Wednesday, March 16, 2016
Moneyfacts Comments on Savers and Borrowers Budget 2016 / Personal_Finance / UK Tax & Budget
By: MoneyFacts
The 2016 Budget was announced today and has now been reviewed by Moneyfacts.co.uk. So what does the new Budget mean for savers and mortgage borrowers?
Rachel Springall, Finance Expert at Moneyfacts.co.uk, said:
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