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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Monday, October 26, 2015

Someone Is Spending Your Pension Money / Personal_Finance / Pensions & Retirement

By: John_Mauldin

“Retirement is like a long vacation in Las Vegas. The goal is to enjoy it to the fullest, but not so fully that you run out of money.”– Jonathan Clements

“In retirement, only money and symptoms are consequential.”– Mason Cooley

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

 


Personal_Finance

Monday, October 26, 2015

Children’s Savings Account Rates Worsen / Personal_Finance / Savings Accounts

By: MoneyFacts

The latest research by Moneyfacts.co.uk reveals that some child savings accounts have received shocking rate cuts over the course of 2015, with some deals now paying as little as 0.10% yearly.

The average children’s savings account currently pays 1.56% yearly*, down from the 1.61% paid a year ago. While this may seem like only a small drop across the market, this average masks the fact that some individual deals have had severe rate cuts.

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

 


Personal_Finance

Friday, October 23, 2015

Coventry Building Society’s Poppy Fixed Rate Bond 2.35% for 3 Years / Personal_Finance / Savings Accounts

By: MoneyFacts

Coventry Building Society has re-launched its popular Poppy Bond, which pays a fixed yearly rate of 2.35% until 31.12.18 (2.33% gross, 2.36% AER monthly). The account has a minimum opening investment of just £1 but any additions will need to be made within 14 days of the account opening or before closure of the issue, whichever is later. A donation equating to 0.15% of the total invested balance will be paid to The Royal British Legion by the society.

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Personal_Finance

Wednesday, October 21, 2015

How the Big White Lie of Investing Could Cost You Your Retirement / Personal_Finance / Pensions & Retirement

By: DW

Mark Ford writes: I consider myself an expert of sorts on retirement. Not because I've studied the subject, but because I've retired three times.

Yes, I'm a three-time failure at retiring. But I've learned from my mistakes.
 
And I can tell you the biggest mistake retirees make is giving up all their active income...
Read full article... Read full article...

 


Personal_Finance

Tuesday, October 20, 2015

Over 65 and Looking for Finance? You’re Barred / Personal_Finance / Pensions & Retirement

By: MoneyFacts

Over the past few years personal finance products have come under greater scrutiny and tighter regulation in order to protect those with poor credit ratings from borrowing beyond their means. However, while this regulation has been put in place for the right reasons, it is also having a negative impact on older borrowers, who are increasingly facing high minimum income or funding requirements or, even worse, being turned away from finance altogether.

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

 


Personal_Finance

Tuesday, October 13, 2015

Challenger Banks Herald a Savings Market New Dawn / Personal_Finance / Savings Accounts

By: MoneyFacts

Data from Moneyfacts.co.uk reveals that fierce competition is leading to encouraging signs of improvement in the savings market.

In the month of September, Moneyfacts has recorded 104 savings rate rises, with some increases being as high as 0.45%. This dwarfs the 28 rate reductions that have taken place over the same period. As a result, the best one-year fixed rate bond has increased from 1.90% a year ago to 2.10% today.

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

 


Personal_Finance

Monday, October 12, 2015

UK State Pension Top Up, Is It Worth It? / Personal_Finance / Pensions & Retirement

By: Nadeem_Walayat

As of today Britain's pensioners are being offered a chance to top up their state pensions under what is known as Class 3A Voluntary Contributions .

The top up is open to all current pensioners and those about to retire by April 2016

The maximum increase in weekly pensions is £25 per week or £1300 a year on top of the current state pension of £115 per week / £5980 per year.

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

 


Personal_Finance

Monday, October 12, 2015

Rise in Low Interest Rate Credit Card Deals, But Beware of Cash Charges / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

The latest research from Moneyfacts.co.uk shows that the number of low rate credit cards (cards charging less than 12%) has grown by a third in the past two years, rising from just 12 cards in 2013 to 16 today. The lowest purchase card now on offer charges just 6.4% APR for standard purchases and is the lowest rate card on the market since 2006, when a 5.9% APR card was available*.

These cards can be a cost-effective choice for those borrowers who are unsure about being able to clear their balance within the timeframe set by a card with an interest-free introductory purchase or balance transfer offer.

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

 


Personal_Finance

Thursday, October 08, 2015

Tesco Bank’s new 3.89% two-year Fixed Interest Rate Mortgage / Personal_Finance / Mortgages

By: MoneyFacts

Below is a new product, which has been rated ‘outstanding’ by Moneyfacts.co.uk, the highest rating we award.

Tesco Bank has just launched a new two-year fixed rate mortgage priced at 3.89% until 31.1.18. This deal is for all applicants who borrow from £40,000 at 95% loan-to-value (LTV). A fee of £495 is payable, of which £300 can added to the advance of the mortgage. An incentive package for remortgage customers of free valuation and free legal fees is also offered.

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

 


Personal_Finance

Tuesday, October 06, 2015

M&S Bank Outstanding Personal Loan Interest Rate Cut - Best Buy / Personal_Finance / Debt & Loans

By: MoneyFacts

&S Bank has emerged as the current winner in the personal loan rate war thanks to a rate reduction on its Unsecured Personal Loan, which is now priced at 3.5% APR for a loan of £7,500 to £15,000 over a term of one to five years.

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

 


Personal_Finance

Tuesday, October 06, 2015

UK Current Account Bank Fees on the Rise / Personal_Finance / Current Accounts

By: MoneyFacts

Recent research by Moneyfacts.co.uk shows that there has been a rise in the cost of some high street current accounts over the past two years, with account fees and overdraft usage fees creeping up.

This upward trajectory is likely to continue into next year, as another high street bank is already making plans to more than double its account fee in early 2016, without offering any extra benefits.

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

 


Personal_Finance

Monday, October 05, 2015

Nightshades Curb Your Enthusiasm / Personal_Finance / Health and Fitness

By: Submissions

John Roth writes: [Disclaimer: The following is not a medical article]

I am a male over 60 and have [or had] a serious health problem that I tried to ignore for the last three years. I tried every holistic treatment, supplement, vitamin and herb under the sun. During that period my gastrointestinal tract quit working three times. I had a lot of trouble breathing and although I had the urge nothing would come out of my body. You get the picture.

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Personal_Finance

Monday, October 05, 2015

No Interest in Easy Access Cash ISAs / Personal_Finance / ISA's

By: MoneyFacts

As the Government attempts to regenerate ISAs, the expectation for them to pay decent returns has grown. However, Moneyfacts.co.uk can reveal that not only does the ISA market remain under a gloomy cloud, but the average rate of an easy access ISA has now hit its lowest rate on record.

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

 


Personal_Finance

Monday, September 28, 2015

UK Loan Rate War Consolidate Borrowings and Save £££'s / Personal_Finance / Debt & Loans

By: MoneyFacts

With an estimated 6.5 million* people relying on credit to keep up with essential outgoings, it’s clear to see why taking time to consolidate debts into a single, more affordable monthly payment could make a huge difference to people’s finances.

According to the latest research by Moneyfacts.co.uk, the ongoing cuts to unsecured personal loan pricing also means that customers who switch or take out a new loan today can save hundreds of pounds over the fixed term of their agreement. On average, well-known banks now offer loans that are £396 a year cheaper in interest payments for a £7,500 loan over a five-year period compared with 2013, while loans from challenger brands are £222 cheaper for the same loan agreement.

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

 


Personal_Finance

Friday, September 25, 2015

How to Force Your Boss to Give You a Pay Rise / Personal_Finance / Wages

By: DailyWealth

Mark Ford writes: Over the years, I've had the awkward duty of declining raises to dozens of employees.

Most of them simply sulked and disappeared. But a few of them took the experience as a wake-up call and fought back.

They didn't see themselves as losers, and they weren't going to let me view them that way, either.

If you get turned down for a raise, arguing with your boss won't do you any good.

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

 


Personal_Finance

Monday, September 21, 2015

Income Options for Seniors Running Out of Money / Personal_Finance / Pensions & Retirement

By: Investment_U

Marc Lichtenfeld writes:Many people remember fondly when their parents gave them allowances for doing chores around the house or maybe a few bucks for their birthdays.

However, with over half of today’s seniors unable to pay for their basic needs, more and more adult children are taking care of their parents’ finances.

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

 


Personal_Finance

Monday, September 14, 2015

How You Can Win the Government's War on Cash / Personal_Finance / Savings Accounts

By: ...

MoneyMorning.com Peter Krauth writes: Most point to the bankruptcy of Lehman Brothers as the main trigger of the 2008 financial crisis.

Perhaps equally as important, but certainly not as well-covered, is what happened the following day…

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Personal_Finance

Monday, September 14, 2015

UK Average Retirement Incomes 7.9% Lower than a Year Ago / Personal_Finance / Pensions & Retirement

By: MoneyFacts

New research by Investment Life & Pensions Moneyfacts has revealed that today’s retirees, who choose to take an income via an annuity, are set to receive annual retirement incomes that are 7.9% lower than those received by retirees last year. It also warns that current pension contribution levels are insufficient to bring retirement incomes back to the levels enjoyed by retirees 15 years ago.

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

 


Personal_Finance

Thursday, September 10, 2015

Virgin Money’s Record Beating 37-month 0% balance Transfer Credit Card / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Virgin Money has improved the terms of its Balance Transfer Credit Card MasterCard, increasing the 0% balance transfer term from 36 months to 37, the longest currently available. The card has therefore been awarded the highest Moneyfacts product rating of ‘outstanding’.

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

 


Personal_Finance

Tuesday, September 08, 2015

UK Best Current Accounts - The End of ‘Free’ Banking? / Personal_Finance / UK Banking

By: MoneyFacts

This month marks the two-year anniversary of the Current Account Switch Guarantee, and while many consumers have already taken advantage and switched providers, greater momentum could be caused by incoming changes to the retail banking market.

Last month the CMA reported that of the 17% of customers who start looking to switch their current account, a staggering 86% don’t go on to switch. It is also estimated that the annual rate of switching stands at just 3%, and worryingly, 25% of switchers move their account without researching the market first.* Meanwhile, frequent overdraft users were found to be the least likely group of consumers to move, due to the hurdles of securing an overdraft facility with their new bank and the complexities of comparing account charges (something that is increasing in importance as average authorised overdraft usage fees have crept up from £4.59 to £6.74 in just two years).

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

 


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