Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Monday, May 27, 2019
The End of Risk-Free Retirement / Personal_Finance / Pensions & Retirement
By: John_Mauldin
In the last 150 years, we’ve had a number of innovations that radically changed the way we live.
You can tick off the list: electricity, the automobile, refrigeration, TV, the Internet. But one innovation rarely makes those lists. It is just as significant if not more so…
Retirement.
The idea that people can stop working in their fifties or sixties and then enjoy 20+ years of relative leisure is actually quite new.
For most of human history, most people worked as long as they were physically able to and died soon after.
Friday, May 24, 2019
How Free Bets Have Impacted the Online Casino Industry / Personal_Finance / Gambling
By: Submissions
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Friday, May 24, 2019
The Top Three Benefits of a Lottery Online Account / Personal_Finance / Gambling
By: Submissions
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Thursday, May 23, 2019
UK Savers Lock in Cash to Beat Inflation Erosion / Personal_Finance / Savings Accounts
By: MoneyFacts
Savers looking to beat the eroding impact of inflation will find that fixed bond rates have risen in the past 12 months, so they can now get a better true return on their cash. Not only this, but easy access and notice account rates are also increasing, however none of the rates on offer in these sectors are currently able to beat inflation.
Despite the fact that inflation has now risen above the Government target of 2%, the latest research from Moneyfacts.co.uk shows that it still remains lower than the level seen in both May 2017, when the Consumer Prices Index (CPI) for April was announced at 2.7%, and May 2018 when inflation was 2.4%. Better still, savings rates have risen over both time periods.
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Thursday, May 23, 2019
Financial Independence Has Nothing to Do with Being a Millionaire / Personal_Finance / Money Saving
By: Jared_Dillian
I am on Facebook, and there is a lot of crap on Facebook. Even the non-political crap is stuff I just do not believe in.
For example, people say that you should spend your money on experiences, not things. There is some spiritual component to this that I don’t get.
I like spending money on experiences (particularly travel), but I like spending money on things more. Clothes in particular.
You feel (and act) differently when you are wearing an expensive suit and an expensive pair of shoes. People who make $150,000 a year and still get all their clothes at Target do this not out of frugality, but low self-esteem.
It is good and right to spend money on yourself now and then.
The other crap you hear on Facebook, and pretty much everywhere else, is that money doesn’t make you happy.
Monday, May 20, 2019
Not Maxing Out Your 401(k) or IRA Contributions Is Stupid / Personal_Finance / Pensions & Retirement
By: Jared_Dillian
Uncle Sam doesn’t give out too many freebies when it comes to tax time, except in the form of retirement plans.
Surprisingly, not many people take advantage of them. Only 41% of people contribute to a 401(k) when they have the option to do so.
A 401(k) allows annual contributions up to $19,000. If you maxed out your contributions, you could save thousands of dollars on your taxes.
Why do more people not contribute?
Saturday, May 18, 2019
If You and Your Spouse Argue About Money, You Have to Read This / Personal_Finance / Pensions & Retirement
By: Jared_Dillian
People fight about money all the time. It has been quantified. A third or more of all arguments in marriages are about money.Usually this falls into one of two categories:
- Spouse A thinks that Spouse B spends too much money.
- Spouse A thinks that Spouse B doesn’t spend enough money (i.e., is a CF).
I advocate for married couples to keep their money separate. My wife and I have always kept our money separate—for 21+ years. And it works great for us.
Thursday, May 09, 2019
How Arya Stark Became the Night King Killer - Game of Thrones / Personal_Finance / Social Media
By: Sami_Walayat
Arya Stark's progression through Game of Thrones from Season 1 right through to her Season 8's stealthy assassination of the Night King! And there's still at least Cersi to come !
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Tuesday, May 07, 2019
DIY Money Saving Magic with Wood Moisture Meter for DIY Repairs / Personal_Finance / Home Maintenance
By: HGR
Here's how a cheap moisture meter can save you a lot of time and money in DIY repairs. For instance we bought a cheap meter from Amazon for just £14 (https://amzn.to/2GZZnlA) to test the boards on a 10 year old decking so that we don't unnecessarily replace good boards, better to get the job all done in one go rather than having to revisit a few months later.
The Moisture meter has 4 sharp prongs, It basically works by sticking the prongs into wood and then gives a percentage moisture reading, anything over 20% means the woods likely rotting, most wood should read less than 20%. I tested it on a tree and it came back at 40%. The dry deck boards generally gave 0%-5% readings so were fine. 1 board that needed replacing underside was giving readings of over 30%!
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Monday, May 06, 2019
5 Options To Achieve Financial Freedom By Earning Money Online / Personal_Finance / Money Making
By: Sumeet_Manhas
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Sunday, May 05, 2019
Night King is NOT DEAD! But it's Valar Morghulis for Game of Thrones Facebook Groups / Personal_Finance / Social Media
By: N_Walayat
An unknown HBO TV shows based books written by a fantast author no one had never heard of (RR Martin) that barely managed to survive past its pilot who HBO were not happy with demanding several cast changes and a re shooting of the whole pilot!
to its 2nd season has since stormed the world by it's 8th and final season. Where everyone has jumped on board the Game of Thrones bandwagon in the countdown to the shows final 3 episodes, but then what? Valar Morghulis, all tv shows must die!
Yes, there is take of prequels and spin offs but based on what happened to previous popular TV shows then Season 8 for most will be the end of Game of Thrones as it concludes its 8 season arc.
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Thursday, May 02, 2019
How Online Gambling Has Benefited New Jersey’s Economy / Personal_Finance / Gambling
By: Boris_Dzhingarov
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Tuesday, April 30, 2019
Pension Funds Recover but Annuity Income Falls / Personal_Finance / Pensions & Retirement
By: MoneyFacts
New data from the latest Moneyfacts UK Personal Pension Trends Treasury Report has revealed mixed fortunes for the retirement sector during Q1 2019, with pension fund returns performing strongly but annuity rates declining.
Pension fund recovery
Pension funds endured a marked downturn in Q4 2018, with the average pension fund falling by 7.3%. As a result, in 2018 pension funds suffered their biggest losses since the 2008 financial crisis. However, performance-wise, pension funds have made a bright start to 2019. In Q1 2019, the average pension fund recovered much of last year’s lost ground by generating returns of 6.7% – the strongest quarterly pension fund performance since Q3 2016.
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Sunday, April 28, 2019
UK Caravan Park Holidays 2019 Review - Hoseasons Cayton Bay North East England / Personal_Finance / Holidays
By: Anika_Walayat
Thinking of booking a caravan park holiday for summer 2019? Then look no further than our series of videos of what it's like to holiday at a UK caravan park. This is at the Hoseasons Caravan Park at Cayton Bay, North East England, not 10 miles from Scarborough. We cover everything from checking in to use of the various facilities as well as nearby attractions.
Thursday, April 25, 2019
INSOMNIA i64 UK Best Games Festival Vlog of What it's Like to Attend - 2019 / Personal_Finance / Gaming
By: Sami_Walayat
Here's what it was like to attend Britain's biggest and best games festival, INSOMNIA 64 at the Birmingham National Exhibition Centre. There were loads of games to play across a range of ages, from kiddies and families games such as the Super Mario series, Splashtoon, to the 16 and over 18 games such as 5 Nights Freddy in VR and Mortal Combat, Bioshock etc. There were several stages and big screens to watch tournament action on as well as many displays such as a double decker Gaming Bus. So here's what its like to attend an Insomnia Gaming Festival for your future reference.
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Thursday, April 25, 2019
8 Reasons Why Investment in Education Always Pays Off / Personal_Finance / Student Finances
By: Submissions
University brings about so much imagination within us. Secondary school is over and we think of furthering our education and obtaining the great successes that await us. It seems anything can be possible as we transition into adulting. Picture having the help of an Oxbridge diploma with the highest accolades. Companies scrambling to offer the best career opportunities and suddenly the corporate ladder seems to be much shorter. But then we consider all the baggage that comes with uni. The need to find time for assignments, devoting 4+ years of life to courses, and the cost of a quality education in the UK is quite substantial. With skyrocketing tuition, many wonder if the financial investment for a degree makes sense. For those of you on the fence about higher education, let’s take a look at 8 reasons why an investment in education will always pay off.
“He who opens a school door, closes a prison.“ – Victor Hugo
Wednesday, April 24, 2019
How Can a College Student Invest Wisely? / Personal_Finance / Student Finances
By: Submissions
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Saturday, April 20, 2019
Paying the Retirement Bill / Personal_Finance / Pensions & Retirement
By: Rodney_Johnson
I find myself thinking more about retirement.I don’t want to trade my daily routine for the cruise ship, but I’m developing a laser focus on generating more income that I can put away for later use… which explains my latest business foray into the golf cart rental business.
The venture is turning a profit after a couple of months, and our biggest battle right now is with mother nature. What I would give for a sunny weekend on the Texas coast!
But I face bigger hurdles in my efforts to generate cash than just the weather: the Fed and the tax man. And the two intersect in a very unlikely place: pensions.
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Friday, April 19, 2019
Growing Bird of Paradise Strelitzia Plants, Pruning and Flower Guide Over 4 Years / Personal_Finance / Gardening
By: Anika_Walayat
Temperatures are rising and summers just around the corner! So now is the time to for Britains gardeners to plant their centrepiece plants. Those special plants that will stop people in their tracks to look. One such plant that is guaranteed to grab peoples attention is the Bird of Paradise that delivers in unique bird like flowers.
In this unique video that you WILL enjoy watching we follow Anika from age 5.5 over the following 4 years, right through to age 10 as she both grows and shows how to grow and look after a Bird of Paradise plant in the UK, starting from a small 6 inch plant all the way to a 4 foot flowering bird of paradise plant over 4years later. Anika covers the key stages of growth towards achieving the target of having a flowering bird of paradise plant.
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Wednesday, April 17, 2019
Income-Generating Business / Personal_Finance / Gambling
By: Submissions
It’s not always possible to succeed when you just start a new business, as well as get a big profit from the outset. However, the gambling industry has always been a special one; it lets the online casino owners make a fortune really quick and may bring more revenue when any other industry.
A possibility to open an online casino has attracted a great number of entrepreneurs from all around the globe. It’s a known fact lots of countries are deprived of the opportunity to open a casino establishment due to the authorities’ prohibitions; that’s exactly why the number of online casinos gets higher with each passing day making the entrepreneurs turn for help to proven companies for getting a high-quality evenbetgaming.com poker software.