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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Friday, January 24, 2014

Americans Can Still Benefit from Tax Havens / Personal_Finance / Taxes

By: Casey_Research

By Nick Giambruno, Senior Editor, International Man

“In this world nothing can be said to be certain, except death and taxes.”–Benjamin Franklin

You are technically a slave when 100% of the fruits of your labor is taxed or otherwise confiscated by force. So, at what percentage are you not a slave?

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Personal_Finance

Thursday, January 23, 2014

Laddering Adds Another Layer of Financial Protection for Retirement / Personal_Finance / Pensions & Retirement

By: Don_Miller

Laddering reminds most people of a strategy often used when owning multiple CDs. Back when interest rates made them worthwhile, if you were trying to arrange cash flow, you could stagger the maturity dates of your CDs so you always had one maturing in the near term. Longer-term CDs had better rates, but they tied up your money; laddering mitigated that problem.

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Personal_Finance

Tuesday, January 21, 2014

Ten Pillars of Financial Independence / Personal_Finance / Debt & Loans

By: Don_Miller

Young folks can usually digest a difficult message more easily when it comes from someone who is not: (a) their parent; (b) their teacher; nor (c) anyone else whose lectures they are sick of hearing. In that spirit, we're starting out 2014 with 10 ways people of any age can safeguard their financial independence. Please feel free to pass it along to anyone in your life who could use a nudge in the right direction from someone other than Mom and Dad.

Wealth is not gauged by how much money you make, but rather how much you keep. Accumulating wealth, regardless of your age, gives you options and independence. It's sad when people toil in jobs they hate because they need the money. Anyone in that position finds their employer controls their time and, sad to say, much of their happiness (or lack thereof).

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Personal_Finance

Thursday, January 02, 2014

Retirement Reboot - The Ultimate Layer of Financial Protection / Personal_Finance / Pensions & Retirement

By: Don_Miller

From international real estate to international government regulation to international business, Nick Giambruno, the senior editor of International Man is the go-to guy. While my passport is good for another eight years, I’m sure he has to replace his annually. Nick has recently been traveling with legendary investor, Doug Casey, and I had the opportunity to ask him a few questions about this trip as well as tips for folks looking to protect themselves and their wealth by diversifying internationally. So, without further ado…

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Personal_Finance

Friday, December 27, 2013

January Sales 2014 - Post Christmas 2013 High Street Sales List - Discount Voucher Codes? / Personal_Finance / Shopping

By: Nadeem_Walayat

Shop-till-you-drop looks set to continue all the way into January which was once upon a time the true start date for the holiday sales season that over the decades has meandered its way towards the end of November. Though of course most of these early sales are bogus, for these 50% off sales amount to nothing more than the original prices as the real sales only began online Christmas Eve and in store on Boxing day. Even then consumers need to be on their guard because it was very difficult if not impossible to capitalise on most of the discounts promoted, for instance many of the goods that you may have been interested in at for say 60% off have mysteriously become out of stock!

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Personal_Finance

Wednesday, December 25, 2013

Boxing Day Sales 2013 List, But Are the Sales of 2013 Real? / Personal_Finance / Shopping

By: Nadeem_Walayat

Praise the lord for without Jesus there would be no 75% discounts! Britain's cathedrals of consumerism look set to be full to bursting point on Boxing day as bargain hunters resume celebrating the birth of Jesus Christ after a day of partial rest (online shopping) by maxing out their credit cards on asian sweat shops produced goods. Unlike the 50% sales in the lead up to Christmas Eve, these should represent the REAL SALES that for many stores started online late Christmas eve, as Christmas day shopping seamlessly continues into the shopping malls early Thursday morning and thus not even a storm damaged and disrupted transport network will be able to stop Britain's shopping zealots from securing their piece of the consumer sales relics of 2013.

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Personal_Finance

Tuesday, December 24, 2013

Five Personal Finance Moves to Make Before 2014 / Personal_Finance / Taxes

By: Don_Miller

While it's tempting to slip into an eggnog stupor from Christmas Eve to New Year's Day, there are five items we should all check off our to-do lists before the ball drops on 2014.

Review your loss carryforward numbers. If you have any capital loss carryforward from previous years, now is a good time to take some profits. You can take your gains and offset them against your carryforward, plus $3,000. Who knows when our desperate government will still demand its share of our gains via taxes but leave us alone to cover our losses? Offset those carryforward losses and take some profits where it makes sense to do so.

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Personal_Finance

Monday, December 23, 2013

Christmas Eve Online Sales 2013 - Next, John Lewis, Curry's, Debenhams, Argos... / Personal_Finance / Shopping

By: Nadeem_Walayat

Christmas storms may have brought Britain's transport system to a halt but without much effect on the shopping frenzy underway which today saw the mainstream broadcast news channels busy reporting from Britain's packed shopping malls as an estimated £3 billion will be spent just today, many shoppers were asked for their views on what they were looking for prompting many to comment that they were out and about and getting into the Christmas spirit as they search for sales bargains, as though this is what Christmas is all about i.e. a month long consumer shopping celebration to max out credit cards on. The actual story of Christmas has long since turned into just another series of special effects movies and not good ones at that as today we can see space stations in the sky with beds that can bring people back from deaths door Lazarus style (Elysium), against which the Jesus story just cannot compete.

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Personal_Finance

Sunday, December 22, 2013

Next, John Lewis Christmas Sales 2013 - All High Street Start Dates / Personal_Finance / Shopping

By: Nadeem_Walayat

It's Christmas! That means a month long media induced buying frenzy for the masses to engage in as sales fever pitch reaches its maximum intensity in the run up to Boxing Day. However, a word of caution as this is NOT 2008 when many retailers were teetering on the edge of bankruptcy that would claim many such as Woolworth's and Comet, and thus were panicked into real deep discounts to quickly offload stock to improve their cash-flows. Instead, now we have a strong UK economic recovery underway that is resulting in an highly engineered sales season which started off with over inflated prices calculated to generated discounts of as much as 75% so that items can still be sold for a hefty profit.

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Personal_Finance

Friday, December 20, 2013

Setting Up Your Own Business - 10 Lessons for Aspiring Entrepreneurs / Personal_Finance / Business

By: Casey_Research

By Jeffrey Tucker

One of my favorite web spaces is meetinnovators.com. It interviews startup entrepreneurs, people who created something new and made it successful. Through casual conversation, it investigates their thinking, mode of working, trials and tribulations, breakthroughs, and visions of the future. Just hearing these people talk gives you a real lift.

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Personal_Finance

Friday, December 20, 2013

UK Christmas Sales 2013 Start Dates, Retailers Deep Discounts / Personal_Finance / Shopping

By: Nadeem_Walayat

A fast accelerating UK economy towards growth rates that academic economists cannot imagine today (well beyond 3% GDP) looks set to manifest itself during the holiday season as a debt fuelled spending binge as the cathedrals if modern Britain will be jam packed with shoppers afflicted with sales fever searching for bargains as Christmas has morphed into a month long relentless advertisement to spend, spend and then spend some more in January.

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Personal_Finance

Thursday, December 19, 2013

Turn off the Tube, Tune out the Media, and Drop out of December Madness / Personal_Finance / Financial Markets 2013

By: Don_Miller

Overconsumption of mass media during the month of December can cause emotional whiplash. Navigating images of smiling shoppers and candy-cane merriment while reading about a derailed train in the Bronx or Syrian refugees has left me pining for the days of yore—when Christmas was still vaguely related to a guy who wore sandals and annoyed his local government, and the only bad news you heard about was the drought or oxcart accident in your own village. Sure, folks still capitalized on religion and lots of bad stuff happened, but there was no 24-hour news/commercial cycle feeding us the play-by-play.

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Personal_Finance

Friday, December 13, 2013

Why America's Bestselling Retirement "Plan" Is Jeopardizing Your Retirement / Personal_Finance / Pensions & Retirement

By: Money_Morning

Robert Hsu writes: I recently received a call from "Russ," a client of mine. He was wondering why the investments he holds at my money management firm have gone up so much more than the money he's entrusted to a major fund broker.

I'd be wondering, too.

That's because, in a year filled with hundreds of 52-week highs and a broad market that climbed roughly 25%, they've managed to "grow" Russ' money all of... 2%?

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Personal_Finance

Thursday, December 12, 2013

Six Traits of Successful Retirees / Personal_Finance / Pensions & Retirement

By: Don_Miller

When I coached baseball many years ago, a young ballplayer came to me asking for advice. I offered my opinion: he needed to get his act together. Then, like many young men might do, he griped about me to one of the other coaches. Our paths crossed again when he was 28 years old, at which point he said, "Now that I have a family of my own, I've thought back on your 'lectures' and realized you were just answering my questions honestly. Thank you."

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Personal_Finance

Wednesday, December 11, 2013

Franchise Dangers - Why Buying a Business Franchising is a Bad Deal / Personal_Finance / Business

By: BATR

The most often cited reason to go into business is to make money. At least that is what you are supposed to believe. If that was the only motivation, there are many other options to turn a quick buck and avoid all the pit falls and responsibility of making a payroll. For the brave of heart and persistent of will, starting your own business is a dream come true. Therefore, at first look, it seems reasonable to follow a pattern of a proven winner, when the leap requires putting your entire net worth on the line. Franchising has the appeal of lessening the odds of failure, to the uninitiated.

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Personal_Finance

Tuesday, December 10, 2013

How to Judge Your Financial Advisor / Personal_Finance / Investing 2013

By: Don_Miller

A friend of mine used to have three financial advisors whom he forced into competition. If one started underperforming, he would pull some money from him and give it to the other two. I’ve heard of similar strategies several times now. In some ways, it makes sense. However, this strategy misses the real purpose of having a financial advisor.

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Personal_Finance

Monday, December 09, 2013

The A to Z of HMRC Tax Self-Assessment for 2014 / Personal_Finance / Taxes

By: Submissions

Doug Barden writes: Do you earn an income through freelance work? Are you a company director? If you are self-employed, every year you need to complete a tax return for HM Revenue & Customs.

You have to showcase your income and capital gains, and you can claim certain allowances and reliefs.

It’s important that you understand everything you need to know about self-assessment in order to avoid any penalties from the taxman.
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Personal_Finance

Tuesday, December 03, 2013

RBS Crashes Christmas as Panic Button Hit, Savers Dump Savings for Spending and Property Investing / Personal_Finance / Banksters

By: Nadeem_Walayat

Tax payer bailed-out and 82% owned RBS remains one of Britains largest weapons of mass financial destruction that along with its subsidiaries such as Nat West literally crashed Christmas for millions of its customers as debit cards were declined and ATM's went offline on cyber monday freezing customers out of their accounts on the busiest shopping day of the year that continues today.

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Personal_Finance

Sunday, December 01, 2013

How to Buy Happiness / Personal_Finance / Money Saving

By: DailyWealth

Mark Ford writes: Many times, the things/experiences that give us the greatest joy are free.

But oftentimes, money is involved. And when that's the case, we have to weigh the cost of the thing/experience against the pleasure we will get from it.

One example: owning a home...

In Automatic Wealth, I argued that one of the most important things you can do to become rich is to get off the "moving-on-up train" and be satisfied with the house you have.

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Personal_Finance

Sunday, December 01, 2013

Personal Finance - What You Need to Teach Your Kids Today / Personal_Finance / Educating Children

By: Investment_U

David Fessler writes: Today is Black Friday, Americans’ annual homage to our greatest passion: shopping. And I’m not looking to spoil your fun. But before you hit the stores, I want to skip my typical commentary on the energy sector and talk about how to model good financial habits for your kids.

Because it breaks my heart that so few parents give their children the gift of financial wisdom. According to CNBC, most parents over age 50 have never discussed investing with their children. Are you one of them?

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