Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Thursday, March 31, 2022
WARNING - Energy Price Cap 50% Rise Tomorrow, Take and Submit Gas Electric Meter Readings ASAP! / Personal_Finance / Household Bills
By: Nadeem_Walayat
Britians' energy cap is set to rise tomorrow that will probable see average standard rate tariffs hiked by over 50%! And this is no April Fools day joke! FIFTY PERCENT HIKE IN ENERGY PRICES! So having an accurate read of where customers stand WILL make a difference! Once upon a time the price cap could be ignored but not for the past 6 months as a myriad of energy firms such as Zog Energy dumped their fixed rate customers onto regulators who passed the customers onto firms such as EDF onto their variable rate tariffs that as of writing are some 60% BELOW fixed rate tariffs, so the worst thing anyone can do is to FIX their energy tariffs as even after tomorrows 50% hike, the price cap will still be lower than fixed rate deals, and likely remain so all the way into the next price price cap hike on 1st October when we could see another huge hike of as much as 30% ahead of winter 2022.
Read full article... Read full article...
Saturday, March 26, 2022
Buying a 'Pristine' iPhone mobile phone off Ebay, Empty Box? Did we Get Scammed? / Personal_Finance / Scams
By: Anika_Walayat
We bought a 'pristine' iPhone 11 off ebay, box has been delivered, does not weigh much, is there even anything inside of it? Did we just get scammed? Let's find out as we open the box to reveal either an expensive box or an iPhone.
Read full article... Read full article...
Saturday, March 12, 2022
Experiences or Assets: HNWIs spending habits post-pandemic / Personal_Finance / Financial Education
By: Submissions
The pandemic affected almost every aspect of life on a global scale. Included in this are the significant changes in individual lifestyles, particularly those of High-Net-Worth Individuals (HNWIs). With such vast adjustments in living conditions, it is not unreasonable to wonder just how these changes are affecting HNWIs’ finances – and whether this is for the best.
According to the Saltus Wealth Index – an extensive and insightful study into the financial positions, prospects and potential of HNWIs – only one-fifth (21%) of respondents said they hadn’t ‘made any lasting changes to [their] lifestyle’.
Wednesday, March 09, 2022
WARNING FREETRADE TO START LENDING YOUR SHARES TO SHORT SELLERS! / Personal_Finance / Investing 2022
By: Nadeem_Walayat
Freetrade have just sent a message to customers informing them that from the 1st of June they will start lending their shares to short sellers! This despite customer having to pay a £10 monthly fee for freetrades SIPP! Apparently freetrade will keep all of the income whilst YOU the customer carry ALL of the risk! What a load of crap!
My most recent in depth analysis focused on continuing to capitalise on the downward spiral in stock price in response to first Inflation Panic and now added to by War Panic.
Read full article... Read full article...
Tuesday, March 08, 2022
The Stunning Truth About the FDIC and Your Bank Deposits / Personal_Finance / Banksters
By: EWI
Why you can't rely on the FDIC if another financial crisis hits and your bank goes under
Millions of U.S. bank depositors feel safe in the knowledge that the Federal Deposit Insurance Corporation will protect their accounts, even if their bank goes under.
Yes, it's true that the FDIC says it will do so. As their website states:
The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
However, the question is: Does the FDIC have the wherewithal to fulfill its promise?
Read full article... Read full article...
Thursday, March 03, 2022
Cloned Car 1 Year Later Update, Expired MOT Tactic - UK Cars Cloning Scam / Personal_Finance / Motoring
By: HGR
It is now just over 1 year since I became aware that my car had been cloned the trigger point being that someone had got a care under my plate MOT'd BEFORE ME! Which an investigation by the DVSA confirmed that a cloned car had been presented at a garage for MOT over a hundred miles from where I reside in a Town that I have never visited, so I did all of the usual stuff i.e. informing the DVLA, Police etc as well as my own detective work in tracking down the person who cloned my car! Anyway following numerous requests this is an update of what has transpired since including my recent tactic of letting my MOT expire, leaving the car parked on my drive for a few weeks to see what happens for if the car plate was still cloned then surely ANPR camera's would flag it to the police to intercept.
Read full article... Read full article...
Wednesday, March 02, 2022
Preparing for the Future: How to Build Your Personal Finances / Personal_Finance / Financial Education
By: Submissions
It's often easy to think about being more disciplined and building your personal finances by saving for a rainy day. Unfortunately, things take a drastic turn for most when it comes to execution. Preparing for the future isn't easy when you're struggling to make ends meet at the present moment.
Your ability to balance your lifestyle will dictate whether you have enough discipline to save money and build your personal finances without the stress. While it might seem challenging at first, there's a path you can take toward success without necessarily taking too many risks in the process. Instead, a willingness to prepare and make the most out of the situation will get you far when building your personal finances.
Tuesday, March 01, 2022
Is There a Way to Achieve Fast Instagram Growth Without Being Banned? / Personal_Finance / Social Media
By: Sumeet_Manhas
Marketing today is a very different prospect than it was just ten or twenty years ago. Print media is nowhere near as important as it once was, and a strong digital marketing campaign is essential for business today.
One popular way to promote products and brands today is through the use of social media.
Clearly, Facebook is the whale here, but Instagram isn’t so far behind now. Although the company likes to keep its figures secret, it was reported last year that the website had reached 2 billion active users.
Thursday, February 24, 2022
How to invest your money long-term / Personal_Finance / Learning to Invest
By: Sumeet_Manhas
Are you planning to invest long-term? Before jumping right in, it is always recommended to have a good knowledge on the matter, because otherwise you would be risking your money. Making the right choices is the key for a good investment and for having safer returns. It is never late to start a long-term investment, either for after your retirement or for eventual future needs. There are different options available to be considered. This way you will understand what is right for you and what is your investor’s profile. A piece of advice: always have some funds in an emergency fund for any urgency you may have to face in the future. Aside that, it is advisable to find accounts that let you to have access to your money at all time. While making your research and reading through some materials, most likely you are going to find these two options, so let’s see the difference between SIPP and ISA.
Read full article... Read full article...
Tuesday, February 22, 2022
What Should You Consider When Taking a Payday Loan? / Personal_Finance / Debt & Loans
By: Submissions
Online loans are booming in the United States. Financial companies can easily issue loans without requiring documents on the financial condition of the borrower. They compensate for this generosity with high rates on loans and harsh penalties for late repayment.
The ease of obtaining online credit makes this financial service accessible to all segments of the population. Services are provided without documents confirming the financial condition of the borrower. Often the borrower cannot realize the consequences that await him after signing a loan agreement.
The so-called payday loans are in great demand among borrowers. These are loans for up to one month and no more than one minimum wage. Online loans, as small as 200 dollar loans before paycheck are attracted by the ease of obtaining them. But it should be borne in mind that the cost of one day of use will be more than the market average. Also, such agreements usually suggest colossal fines and penalties for late online paycheck loans.
Sunday, February 13, 2022
Things To Consider Before Transmitting Funds Internationally / Personal_Finance / Financial Education
By: Sumeet_Manhas
Transmitting money internationally comes with its fair share of restrictions especially if you reside outside the United States. Banks across the globe require proof of fund source while trying to make large transfers. This is increasingly becoming a reality even for small transfers. If you are planning on transferring funds internationally, then you have arrived at the right destination. Today we are going to share some tips which are going to ease out your fund transfer across geographical boundaries:
Read full article... Read full article...
Sunday, February 13, 2022
Boiler Winter Tip - How to Prevent Cold Snap Sudden Death Failures / Personal_Finance / Home Maintenance
By: HGR
As soon as there is a winter cold snap your boiler fails! If this sounds familiar then watch this video for an easy to implement tip that helps prevents such sudden death boiler failures.
Read full article... Read full article...
Sunday, February 13, 2022
Budgies Love PEK Blocks for Fun and Health - JVP Large Iodised Condition Pek Blocks Amazon Review / Personal_Finance / Animals & Pets
By: N_Walayat
Budgies LOVE the mineral PEK blocks! After having gone without our two budgies leapt into action and pecked a new PEK block to death! DOn't waste your time getting those small single PEK blocks that soon get consumed, instead go for JVP large blocks ! Where you can get a pack of 12 for just £17 from Amazon (https://amzn.to/3LoCp82). Watch the video the video to see how much fun Budgies have with PEK Blocks.
Read full article... Read full article...
Friday, February 11, 2022
We The People Launches Pre-Sale Minting Event February 21 / Personal_Finance / NFTs
By: Sumeet_Manhas
Saturday, February 5 2022 – We The People, an ultra-utility driven NFT project, has announced exciting plans for an NFT digital-art drop that aims to set the metaverse on fire.
We The People’s founders intend to create a community with land acquisition, governance, and community, designed, built and run by the people. This community will be driven by its own economy, where members can operate businesses and earn real crypto assets passively and actively.
Read full article... Read full article...
Wednesday, February 02, 2022
6 Things You Need To Know About Online Accounting / Personal_Finance / Financial Education
By: Steve_Barker
Efficient accounting is a very important element of a successful business. Unfortunately, many start-ups and new business owners overlook accounting, choosing instead to manage their businesses finances themselves. The primary reason for this is usually to save money, which is strange, considering the fact that online accountants are extremely affordable. Not only are they affordable, but they also save you a lot of money in the long term.If you have found this page because you have realised how important professional accounting is, then you are on the right track. Here are six things that you need to know about professional online accounting:
Read full article... Read full article...
Wednesday, February 02, 2022
How Can I Save More This Year? / Personal_Finance / Savings Accounts
By: Submissions
Finding ways to spend less, and save more, could be a resolution that you have set yourself this year. Alternatively, you may simply want to make it easier for yourself to make tax payments, or pay other bills when they are due. Parents may also want to teach their children about good money habits, especially in a society filled with the ability to make convenient purchases. Adopting some better money choices could really benefit you and your family, and set everyone up for more stability in the future.To teach your children about saving money, you might want to consider opening a tax efficient ISA for your child. Unlike some savings accounts, an ISA might not count for tax purposes, meaning you can save right up to the maximum amount without having to pay fees on the money, or the interest it gains.
Read full article... Read full article...
Saturday, January 29, 2022
9 Year Old Bird of Paradise Plant / Personal_Finance / Gardening
By: Anika_Walayat
HAPPY BIRTHDAY! Our Flowering Bird of Paradise plant is 9 years old and so it is Anika's 14th Birthday who has cared for the plant for 9 years as this video illustrates.
Read full article... Read full article...
Wednesday, January 26, 2022
The Synthetic Dividend Option To Generate Profits / Personal_Finance / Options & Warrants
By: Chris_Vermeulen
Many companies regularly distribute a portion of their profits in the form of a dividend to attract investors and incentivize them to remain long-term shareholders. But most companies, ETFs, and commodities don’t pay a dividend at all. When there’s no dividend, the only opportunity for income or a profit comes from a capital gain (or loss) from selling the position.
Wouldn’t it be nice to get regular payouts from “no dividend” investments? As a dividend, these payouts could be used for income. Or, if left invested, our cost-basis could be further reduced with every payout.
Read full article... Read full article...
Wednesday, January 26, 2022
The Beginner's Guide to Credit Repair / Personal_Finance / Credit Cards & Scoring
By: Steve_Barker
If you're like most people, you probably don't think about your credit score until there's a problem. And by then, it can be too late. Your credit score is one of the most important numbers in your life, and it's important to understand how it works and how to improve it. In this blog post, we will discuss the basics of credit repair and give you some tips on how to get started.
Read full article... Read full article...
Tuesday, January 18, 2022
Mobile Sports Betting is on a rise: Here’s why / Personal_Finance / Gambling
By: Submissions
One of the reasons why the online gambling industry has received notorious success is because of the increased usage of cell phones. Mobile gambling holds a very dominant position within the entire online gaming market. Apple has supported gambling apps since 2007. Google Play did not open doors to sports betting apps in the UK until 2017. To gain a strong foothold in the online gaming industry, many gamers are focusing on developing gambling apps that are compatible with mobile configuration. Harnessing the benefits of a strong and stable internet connection, people can download the apps and start playing.
The popularity of the football and cricket leagues have allowed the proliferation of cricket and other sports betting apps. Mobile phones have eased the process of live-stream betting, thanks to several cricket and sports betting apps. Mobile gaming gives the user freedom and flexibility. There is freedom for gambling at any time and place. Since the majority of the population can afford Android devices, the gaming companies are keen on tapping the potential of the Android gaming space. Because of the sheer convenience, movie gaming players convert into full-time loyal customers quickly which means that the players readily deposit money into their casino accounts, again thanks to the development of mobile wallets and repayment services.
Read full article... Read full article...