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Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Thursday, January 15, 2015

New 4% Pensioner Bonds Election Bribe - Grab it While You Can / Personal_Finance / Pensions & Retirement

By: Nadeem_Walayat

The government in a blatant election bribe for the over 65 pensioner grey vote has today put on sale the 65+ Guaranteed Growth Bonds issued through the NS&I that pay 2.8% for 1 year and 4% for 3 years (gross). Demand has been heavy all day which means website / application access has been sporadic resulting in server error pages. However there is nothing on the market that comes anywhere near matching the 3 year bonds so do persist as the issue could be fully subscribed within a couple of weeks, thereafter the risk is that the government might not release a second tranche (election bribe).

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Personal_Finance

Wednesday, January 14, 2015

Dependent Adult Children Can Destroy Your Retirement - Five Financial Keys to Fatherhood, Not Friendship / Personal_Finance / Pensions & Retirement

By: Dennis_Miller

My oldest grandson, Justin, has cerebral palsy. When he was in middle school, my daughter and her husband invited me to attend a parent-teacher conference. Justin’s teacher told us that one of his classmates had announced to the whole class that, according to his mother, all of the kids would be moved along no matter what.

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Personal_Finance

Thursday, December 25, 2014

Boxing Day Sales, Next, Debenhams... High Street Full List / Personal_Finance / Shopping

By: Nadeem_Walayat

Its mid-day Christmas day but already millions of shoppers thoughts are turning towards joining in on the Boxing days sales frenzy discounting bonanza, where the likes of retailers such as NEXT (6am) and Debenhams (7am) open their doors to the public. Just remember a cold snap is forecast for much of the UK tomorrow so be careful on the roads out there, especially by the evening and try not to get too caught up by shopping mania and over spend.

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Personal_Finance

Wednesday, December 24, 2014

Christmas Eve Online Sales, Boxing Day High Street Sales Full List / Personal_Finance / Shopping

By: Nadeem_Walayat

The Christmas high street sales frenzy is about to reach maximum intensity on Boxing day with many retailers such as Next and PC World / Curry's having shifted the start of their sales online to Christmas Eve so as to maximise profits from the the army of point and click armchair shoppers. Here is a comprehensive list of sales starting Christmas Eve and Boxing day as well as those already underway.

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Personal_Finance

Monday, December 22, 2014

UK Christmas Sales 2014 High Street Start Dates List / Personal_Finance / Shopping

By: Nadeem_Walayat

Britain's election economic boom is in full swing with the UK economy looking set to bust above a 3% GDP growth rate, further boosted by the collapse in the oil price that is acting to depress inflation (general prices) and put extra money into the pockets of consumers that is manifesting during the holiday season as consumers go on a debt fuelled spending binge at the cathedrals of modern Britain, jam packed with shoppers afflicted with sales fever hunting for bargains as Christmas has morphed into a month long relentless advertisement to spend, spend and then gain spend some more into January.

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Personal_Finance

Friday, December 19, 2014

Retirement Planning - Five Rare Birds Sing a Wise Tune / Personal_Finance / Pensions & Retirement

By: Dennis_Miller

In the spirit of the holidays, I’m sharing a happy truth: many people do, in fact, retire rich. Who are these rare birds and what can they teach us?

Rich Retire #1—The Pension Holder. If you have a large pension in 2014, you likely are or were a government employee. Many government workers receive pensions equal to 75-80% of their working salaries. In some government departments, it’s the unwritten custom for department heads to bump a worker’s salary 20% or so when he or she is a year or two from retirement. This boosts the employee’s base for his retirement pay.

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Personal_Finance

Wednesday, December 17, 2014

How Inflation Changes Retirement Benefit Choices / Personal_Finance / Inflation

By: Dan_Amerman

One of the most important financial questions someone of retirement age in the United States faces is when to start collecting their Social Security payments ─ and this crucial decision deserves the best possible information to work from. 

Recently, there has been quite a bit of publicity about studies showing that for a retiree who lives to an average age, there is a six figure advantage to waiting until age 70 to begin the collection of Social Security payments. That is an amazing advantage ─ but does it hold up under close scrutiny?

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Personal_Finance

Tuesday, December 16, 2014

UK CPI Inflation Falls - ‘Bah humbug’ Christmas for Savers / Personal_Finance / Savings Accounts

By: MoneyFacts

Inflation figures released today show that the Consumer Prices Index (CPI) fell from 1.3% to 1% during November.

To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 1.25% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 1.67%.

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Personal_Finance

Tuesday, November 25, 2014

Take Back the Retirement You Dreamed of at 40 / Personal_Finance / Pensions & Retirement

By: Dennis_Miller

Is it even possible today to retire rich? The short answer is “yes.” We all know people who have done just that. Watching your neighbors Bob and Betty Rich live the good life well into their 90s only tells you it’s possible, not whether you’re prepared to do it too. So let’s forget about the Riches and focus on you.

The first question you should ask yourself is: “Do I have enough money for the duration?” Or, if you’re still in your 30s, 40s or 50s: “Am I on track to save enough?”

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Personal_Finance

Monday, November 24, 2014

How should I select a Binary Broker? / Personal_Finance / Investing 2014

By: Boris_Dzhingarov

When you’re starting out at options trading, you need to consider carefully a range of service providers that will enable you to execute your trades. In this article we will investigate the key characteristics that you should evaluate in order to determine which service provider is best suited to your needs and budget.

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Personal_Finance

Monday, November 03, 2014

Moral Hazard and Socialism in Collective Security Agreements Such as NATO / Personal_Finance / GeoPolitics

By: MISES

Patrick Barron writes: The economic phenomenon known as the "tragedy of the commons" instructs us that commonly-held resources that are insufficiently protected will be plundered to extinction. The phenomenon was recognized in the early nineteenth century to explain why the commons in England quickly came to be denuded by sheep. All sheepherders had an equal right to graze sheep on the commons. There often was no agreement as to how many sheep each could graze, so it was sheer rational self-interest for each to graze as many sheep on the common ground as possible. In short order the commons came to be overgrazed. What later came to be called "the tragedy of the commons" was a simple and imminently understandable explanation.

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Personal_Finance

Tuesday, October 28, 2014

Investing While in Debt: Reasons You May Want to Think Twice / Personal_Finance / Debt & Loans

By: Boris_Dzhingarov

Thinking about investing in your financial future? Whether it’s the stock market, real estate, or retirement savings, smart investments can definitely lead to financial gain. However, it seems that there is an overwhelming understanding that being in debt while investing is okay…

While it would be nice to essentially use our investment opportunities as a method for paying off our debts, the likelihood of that happening is slim to none. You see, you need to have money to invest in order to turn a profit, and if you’re in debt, chances are you don’t REALLY have money to invest. As long as you owe someone, the money you’re investing is not your own.

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Personal_Finance

Monday, October 27, 2014

Annuity Rates Plummet Amid ‘Perfect Storm’ / Personal_Finance / Pensions & Retirement

By: MoneyFacts

The latest Moneyfacts Personal Pension and Annuity Trends Treasury Report, has revealed how the annuity market endured a perfect storm during Q3 2014 as a combination of plummeting gilt yields and a marked slowdown in demand following the 2014 Budget took their toll on annuity rates.

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Personal_Finance

Thursday, October 23, 2014

Annuities - Afraid Your Money Will Vanish before You Do? / Personal_Finance / Pensions & Retirement

By: Casey_Research

By Andrey Dashkov

Unlike Jack Nicholson’s character in A Few Good Men, we trust that you can handle the truth. No matter your age, securing a comfortable retirement is a huge concern. Folks want the whole truth about their financial outlook, but straight answers are hard to come by.

Both sides of the mainstream media habitually present opinion-tainted partial facts. Case in point: the unemployment numbers announced earlier this month. One side is cheering because unemployment dropped to a six-year low, while the other side is calling it pure fraud.

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Personal_Finance

Monday, October 20, 2014

Perpetual Debt Slavery... / Personal_Finance / Debt & Loans

By: Dr_Jeff_Lewis

There is an unspoken difference between debt that is designed to be paid back and debt (disguised as perpetual flow) to finance pre-existing streams of debt service. 

The second type of debt is a Ponzi large enough to make Bernie Madoff blush.  And crash the system. In the current system, debt is money for nothing used to create asset bubbles. Including the equity lift-off we see today. 

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Personal_Finance

Tuesday, October 14, 2014

9 Ways to Retire Rich / Personal_Finance / Pensions & Retirement

By: Don_Miller

“In theory there is no difference between theory and practice. In practice there is.”—Yogi Berra

It’s October, AKA the major league baseball postseason. As a lifelong baseball fan, I take the wisdom of Yogi Berra seriously. And when it comes to planning for the autumn of life, Yogi is spot on.

It seems as though every day an article titled “5 Tips for Retirement Saving” or something similar hits my inbox. I scan for the author’s name, and I’m amazed by how often it’s distinctly contemporary—Jennifer, Brandon, or another name of that vintage. Jennifer’s title is something like “staff writer,” and I immediately picture a fresh-faced young person with a newly minted journalism degree. After work, maybe she jumps in her starter BMW and heads to a local watering hole with her friends to gripe about student loan repayments.

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Personal_Finance

Tuesday, October 14, 2014

UK Savings and September 1.2% CPI Inflation / Personal_Finance / Inflation

By: MoneyFacts

Inflation figures released today show that the Consumer Prices Index (CPI) fell from 1.5% to 1.2% during September.

To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 1.5% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 1.9%.

Of the 621 non-ISA accounts in the market today, there are 170 that basic rate taxpayers can choose to negate the effects of tax and inflation.

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Personal_Finance

Thursday, October 09, 2014

Yield-Hungry Baby Boomers Are on a Death March / Personal_Finance / Pensions & Retirement

By: Donald_W_Dony

Today’s forecast: yield-starved investors forced into the market by seemingly permanent low interest rates will continue to be collateral damage. For some, that collateral damage may involve more than the loss of income opportunities… many could be wiped out completely.

At the Casey Research Summit last month, I asked the participants in our discussion group: “If there were safe, fixed-income opportunities available paying 5-7%, would you move a major portion of your portfolio out of the market?”

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Personal_Finance

Thursday, October 02, 2014

Don’t Expect a Life Vest to Save You from Low Interest Rates / Personal_Finance / Savings Accounts

By: Don_Miller

Touring the Alamo, presenting on how retirees can succeed in a crisis economy, and picking the brain of one of the world’s top economists, Dr. Lacy Hunt, about the future of low interest rates were among the highlights of my recent trip to San Antonio for the Casey Research Summit. In addition to authoring two books and countless articles for leading financial publications, Dr. Hunt is executive vice president of Hoisington Investment Management Company, a firm that manages $5.4 billion.

Lacy is also a favorite speaker of mine because in addition to being a terrific economist capable of running rings around the likes of Alan Greenspan, he can relate the big economic picture to average investors. He rates very high on the common-sense scale—a good philosophical fit for the Miller’s Money team.

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Personal_Finance

Wednesday, October 01, 2014

The Single Most Important Lesson from the Casey Summit / Personal_Finance / Investing 2014

By: Casey_Research

By Louis James, Chief Metals & Mining Investment Strategist

At our San Antonio summit, Rick Rule gave a talk that, as always, was well reasoned, packed with facts, and powerfully cogent. His message was simply that bear markets are for buying and bull markets are for selling—and in the future, resource investors with staying power would look back on the current market as “the good old days” when they were able to buy great stocks cheap.

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