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Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Tuesday, May 17, 2016

Odds of Winning Walkers Crisps Spell & Go Holidays K, C and D Letters / Personal_Finance / Freebies and Comps

By: Sami_Walayat

By now most of you will have realised that the letters K, C, D in Walkers Crisps 'Spell and Go' promotion are not being given out randomly along same lines as the other 23 letters. So in this video I will explain what the probable odds are for actually getting one of these special letters and win a walkers spell and go holiday.

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Personal_Finance

Monday, May 16, 2016

Watch Out For Fees When Using Your Credit Card Abroad / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Holidaymakers who are preparing to take a trip abroad may be busily sorting out their travel money and packing their last-minute essential items, which probably includes their debit or credit card.

Despite being a convenient payment method when at home, the latest research by Moneyfacts.co.uk reveals that debit cards and most credit cards charge for use abroad, which is why holiday-goers should consider taking out a more cost-effective card if they expect to use their plastic during a trip.

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Personal_Finance

Sunday, May 15, 2016

Walkers Crisps 'Spell and Go' Holidays Tesco Bagging Area Instant Win! / Personal_Finance / Freebies and Comps

By: Anika_Walayat

There are several ways to win a prize in the Walkers Crisps Spell and Go Promotion. Apart from the instant wins in the individual crisp packets (not multi-packs), there are also the Tesco bagging area wins where you can win anything from a pair of sun glasses to a holiday! See our our experience about it in this video -

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Personal_Finance

Saturday, May 14, 2016

Walkers Crisps 'Spell & Go' Letters K,C and D Only Way to Win? / Personal_Finance / Freebies and Comps

By: Anika_Walayat

So far we have entered just over 100 wakers crisp packet codes, for 100 letters and now have every letter except K, C, and D. Which confirms our earlier analysis that the letters K, C, and D are being with-held and not given out randomly. Having looked deeper into the promotion it is highly likely that the winning letters K,C and D will....

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Personal_Finance

Wednesday, May 11, 2016

UBL Slashes Best Fixed Rate Cash ISA by 23%! - Urgent Action! / Personal_Finance / ISA's

By: Nadeem_Walayat

UBL's (United Bank UK) best buy fixed rate cash ISA that I have been tracking or a while has had its interest rate slashed by a whopping 23% on the 10th of May 2016 to a mere pittance of just 1.7% for a 5 year fix down from 2.2%, with similar deep cuts on other fixed terms as the following table illustrates.

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Personal_Finance

Tuesday, May 10, 2016

Is a Cash Ban and Carry Tax Coming to the US? / Personal_Finance / War on Cash

By: Graham_Summers

Europe has banned the use of €500 bills.

The reason?

They claim these bills are used in money laundering and for drugs. And if you believe that is the concern, you probably believe the earth is flat.

The fact of the matter is that Europe is now the center for misguided Central Planning for monetary policy. ECB President Mario Draghi has cut interest rates not once, not twice, not even thrice, but FOUR times into NIRP.

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Personal_Finance

Tuesday, May 10, 2016

UK Savers Reap the Rewards of Regular Savings Accounts / Personal_Finance / Savings Accounts

By: MoneyFacts

With the savings market in steady decline, it’s hard to believe there is any positive savings news. However, research by Moneyfacts.co.uk reveals that there is one sector that is giving savers a glimmer of hope – regular savings accounts have turned against the flow of rate cuts, and as a result, the average fixed regular saving rate has risen by 0.10% in just the last six months.

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Personal_Finance

Monday, May 09, 2016

Top Tips for Winning Walkers Crisps 'Spell & Go' Holidays / Personal_Finance / Freebies and Comps

By: Anika_Walayat

Here are our top tips for winning one of 20,000 holidays in the Walkers Crisps 'Spell and Go' promotion. Firstly, you need to be aware that the letters K,C and D are being with-held or only released in very few numbers so that  Walkers crisps can regulate the number of holidays it awards....

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Personal_Finance

Thursday, May 05, 2016

Walkers Crisps Spell & Go - Letters K, C and D Swaps Special to Win Holidays / Personal_Finance / Freebies and Comps

By: Sami_Walayat

This is a special letters K,C and D update for the Walkers Crisps Spell and Go 20,000 Free Holidays promotion. By now like us after having entered many codes and collected lots of letters you will be realising that the letters K, C and D are just not being randomly given but for reasons explained in this video are either being released in very few numbers or even being completely with-held -

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Personal_Finance

Tuesday, May 03, 2016

Long-term Fixed Savings Interest Rates Fall / Personal_Finance / Savings Accounts

By: MoneyFacts

Savers looking to boost their savings pots will no doubt look for accounts that pay the highest rates of interest, which typically come from long-term fixed rate savings bonds. However, savers may be disappointed by the deals on offer for rates in this sector have recently hit new lows thanks to an onslaught of rate cuts.

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Personal_Finance

Sunday, May 01, 2016

Walkers Crisps Spell & Go Win 20,000 Holidays - Getting Started, How to Play / Personal_Finance / Freebies and Comps

By: Anika_Walayat

Walkers Crisps have just started a new promotion called Spell & Go where you can win one of 20,000 4 star holidays for 4 people worth either £4000 or £1500 each! So in this video I explain how to get started in this new Walkers / Pepsico promotion that sounds really amazing, 20,000 holidays up for grabs! ???

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Personal_Finance

Wednesday, April 27, 2016

Money Saving Gardening by Propagating Roses From Cuttings - Propagating Rose Plants Over 2.5 Years / Personal_Finance / Gardening

By: Sami_Walayat

Before you go and spend money buying new rose or other flower plants, first watch this video to find out just how easy it really is to propagate as many rose plants as you want from cuttings. Here 7 year old Sami demonstrates how easy it is to propagate a rose bush from cuttings in this step by step video that shows the progress of the cuttings taken over 2.5 years! And what impact the likes of miracle grow feed can have on your cuttings against plain old simple water.

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Personal_Finance

Monday, April 25, 2016

2.8 Million Bank Switches Create Current Account Storm / Personal_Finance / Current Accounts

By: MoneyFacts

In previous years banking customers have had little incentive to switch their current account, but since the launch of the Current Account Switch Guarantee in 2013, almost three million people have ditched their old account*. As a result, a veritable current account storm has been created as providers compete to attract new customers.

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Personal_Finance

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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Personal_Finance

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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Personal_Finance

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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Personal_Finance

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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Personal_Finance

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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Personal_Finance

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).

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Personal_Finance

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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