Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Tuesday, January 02, 2018
Start the New Year Fresh by Consolidating Debts / Personal_Finance / Debt & Loans
By: MoneyFacts
A brand-new year provides the perfect opportunity to revisit finances and work out how much money is being wasted by incurring interest on costly credit cards. As 2018 begins, those borrowers with multiple credit cards could find their debt getting out of hand, with the temptation to borrow becoming too great.
An alternative would be to consolidate debts into one affordable unsecured personal loan, where the monthly repayments would remain unchanged and the debt is guaranteed to be gone by the end of the term – so long as a borrower continues to keep up with repayments, of course.
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Tuesday, January 02, 2018
Owning a Land Rover Discovery Sport HSE Black - Day 1 / Personal_Finance / Motoring
By: N_Walayat
Thinking of buying an Approved Used Land rover? Well here in this series I cover the real customer experience of what to expect. In this video shot on day 1 of owning an approved used 15 month only Discovery Sport HSE Black we take a look at it's nicley polished bright and shiny exterior.
Saturday, December 30, 2017
Why NOW is the Best Time to Buy a UK USED CAR from Dealers / Personal_Finance / Motoring
By: Nadeem_Walayat
Find out in my recent video why RIGHT NOW is probably the best time of year to buy a USED car from a UK dealer as we countdown into the end of 2017 and the start of the new year, a twilight zone for dealerships up and down the country starved of car buyer interest that for a short few weeks of the year puts the car buyers at an advantage of what usually comes to pass, and especially of during the summer months. So if you have been considering changing your old car for a newer model then watch my video for the conclusions of my extensive analysis of the UK used car market of the past year.
Friday, December 29, 2017
Acquire elegant collections of engagement rings at a professional store / Personal_Finance / Shopping
By: Submissions
Engagement rings are the ultimate expression of love and, one can choose the design for a personal touch. In fact, it is easy to design the ring of your dreams and bring down necessary collections from a professional store. Some rings come out from several rstyles such as: solitaire, pave, and halo as per the unique collection.
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Thursday, December 28, 2017
2007 All Over Again, Borrowers Start Scamming Desperate Lenders / Personal_Finance / Global Debt Crisis 2018
By: John_Rubino
One of the hallmarks of late-stage bubbles is a shift of power from lenders to borrowers. As asset prices soar and interest rates plunge it becomes harder to generate a decent yield on bonds and other fixed income securities, so people with money to lend (like pension funds and bond mutual funds) are forced to accept ever-less-favorable and therefore far-more-risky terms.
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Thursday, December 28, 2017
How to Nurse That Debt Hangover After the Christmas Spending Binge / Personal_Finance / Debt & Loans
By: MoneyFacts
Consumers that overspent this Christmas might be facing a financial headache right now. Whilst using an overdraft is a convenient way to tide borrowers over until pay day, the cost to do so can be much more expensive than other forms of borrowing.
According to the latest research by moneyfacts.co.uk, the cost of the convenience of using an overdraft or a credit card can bite in a period of just three months, and with January sales looming, some consumers may be waiting until late February before they get back in the black.
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Wednesday, December 27, 2017
Christmas Chocolate Cake Kids Baking Holiday Fun Activity / Personal_Finance / How to Guides
By: Anika_Walayat
Anika aged 9 demonstrates how to have fun during the Christmas holidays as its literally child's play to bake an amazing, delicious chocolate cake. It's easy so come on kids get your parents involved and lets all get baking fresh chocolate cakes during the x-mas holiday!
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Sunday, December 24, 2017
Christmas Eve Online Sales 2017, Boxing Day High Street Sales Full List / Personal_Finance / Shopping
By: Nadeem_Walayat
Britain's Christmas high street sales frenzy is about to reach maximum intensity on Boxing day whilst most major retailers such as NEXT and PC World / Curry's will start their sales online on 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 today, Christmas Eve and continuing into the high streets on Boxing day as well as those already well underway. As distressed retailers who have had an horrid year as illustratated by ToysRUs which this week came within hours of going bust as illustrated by recent video.
Wednesday, December 20, 2017
Could Toys R Us Crisis Collapse Give Shoppers Closing Down Sales Discount Bargains? / Personal_Finance / Retail Sector
By: Nadeem_Walayat
The British arm of Toys R Us has been teetering on the brink of collapse for several months now following it's american parent company filing for bankruptcy protection in September 2017 that triggered a downsizing programme through rapid store closures that are likely to see at least 200 of it's 866 US stores close in an attempt at reducing its $5 billion debt mountain which dates back to its leveraged buy out of 2005 that costs Toys R Us $400 billion a year in interest payments and thus acts as a huge noose around Toys R Us's corporate neck.
Tuesday, December 19, 2017
Recoverable VAT: how it compares to part-recoverable and non-recoverable Value Added Tax / Personal_Finance / Taxes
By: Boris_Dzhingarov
Taxes are an integral part of the governments where we reside. They are compulsory contributions under certain conditions and classifications such as income, consumption or sales, among others. There are many tax laws that are unique only to certain countries, while there are also some countries with similar tax structures.
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Monday, December 18, 2017
Balance Transfer Fees Fall to Lowest Level in Over a Decade / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
The quarterly Moneyfacts UK Credit Card Trends Treasury Report (recently published), which studies the UK personal finance market, highlights that the average balance transfer fee has fallen to reach the lowest level seen in over a decade.
At a time when the length of interest-free balance transfers faces scrutiny, it appears that providers are finding alternative ways to entice borrowers. As a result, the average balance transfer fee has hit 2.03%, down from 2.11% in September and 2.29% a year ago. The current average is the lowest seen since it hit 1.82% in October 2006.
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Monday, December 18, 2017
UK Used Car Christmas From Dealers Buying Discount Sales Bargains / Personal_Finance / Money Saving
By: Nadeem_Walayat
A google search soon reveals that the consensus view of the best times of year to buy a used car in the UK tend to coalesce around the two plate changes of the year, i.e. 1st of March and 1st September as being the most commonly propagated online advice to buy just before and after the plate changes. Next often repeated are the dealers end of quarter sales targets for bonuses and other perks, namely by the end of March, June, Sept and December. And also often mentioned are expectations that the best used car deals tend to be in the winter months due to less consumer demand.
Wednesday, December 13, 2017
Best Time / Month of Year to BUY a USED Car is DECEMBER, UK Analysis / Personal_Finance / Motoring
By: Nadeem_Walayat
A google search soon reveals that the consensus view of the best times of year to buy a used car in the UK tend to coalesce around the two plate changes of the year, i.e. 1st of March and 1st September as being the most commonly propagated online advice to buy just before and after the plate changes. Next often repeated are the dealers end of quarter sales targets for bonuses and other perks, namely by the end of March, June, Sept and December. And also often mentioned are expectations that the best used car deals tend to be in the winter months due to less consumer demand.
Tuesday, December 12, 2017
2017 Was a Roller Coaster Year For UK Savers / Personal_Finance / Savings Accounts
By: MoneyFacts
As we come close to the end of 2017, the latest research from moneyfacts.co.uk shows it has been a roller coaster year for savers. Savings rates fell to record lows for various fixed bonds in January and for variable rates in February, but thankfully as the end of the year draws near, rates in both areas have improvement immensely.
Fixed rates have risen considerably this year, with the average five-year bond hitting 2.03%, its highest level since July 2016 when it was 2.05%. The short-term bonds have also recovered to the extent that today, the average one-year bond stands at 1.17%, its highest point since July 2016 when it was 1.20%.
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Tuesday, December 12, 2017
Approved Used Land Rover Main Dealer Real Customer Buying Guide - Hunters, Chester / Personal_Finance / Land Rover
By: Nadeem_Walayat
Thinking of buying an 'approved used' Land Rover Discovery Sport (HSE Black) or any of the range rover models? Then here is what a 'real' customer can expect when buying from a main dealer. This video illustrates the process a typical buyer can expect from a Land Rover dealer (Hunters) from as soon as one drives onto the dealerships forecourt, test driving, documentation, part exchanging, paperwork, insuring, taxing and payment, all the way to when one drives off with their car a few hours later. The 'REAL' experience of what to expect over the 'approved used' sales pitch list of x,y,z, which does not quite pan out in reality.
Monday, December 11, 2017
Customer Wins Morrisons More Card Points Christmas Jackpot! / Personal_Finance / Freebies and Comps
By: HGR
More card holders could be in a for a checkout till surprise Jackpot win! Find out what happened in this video and what you need to do to ensure you have a 100% chance of also winning a Morrisons Christmas Jackpot! Hint, this is your LAST week to achieve 5 out of 6!
Sunday, December 10, 2017
SMIGGLE Christmas 2017 Fun Shopping Trip Haul Surprise! / Personal_Finance / Shopping
By: Anika_Walayat
It's Christmas at the Meadowhall Shopping Centre! So off we went to our favourite shop SMIGGLE for a fun shop christmas lights trip, looking for surprise gifts other than pencil cases. See what we bought as we journey beyond stationary.
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Saturday, December 09, 2017
Buying an Approved Used Land Rover Discovery Sport - Travelling the DIstance / Personal_Finance / Money Saving
By: HGR
Thinking of buying an approved used Landrover Discovery Sport or another land rover model? Then here is what you can expect when buying from a main dealer. In this video we literally travel the distance to a main landrover dealer (Hunters - Chester) for the purpose of part exchanging and then driving away with an approx 1 year old Land Rover Discovery Sport.
Wednesday, December 06, 2017
How to Top Up Your Vauxhall Zafira's Brake / Clutch Fluid Reservoir / Personal_Finance / Money Saving
By: HGR
If when driving your Zafira the brake symbol starts coming on and off randomly on the dashboard, then that's a warning that your brake / clutch fluid may need topping up, as the brake symbol light should only come on when the hand brake is on. When driving there should be no warning symbol appearing. So even if your car appears to be driving perfectly well, you should never ignore the brake / clutch light symbol i.e. if ignored your brakes may fail!
Tuesday, December 05, 2017
Big Banks Finally Raise Savings Interest Rates, But was it worth the wait? / Personal_Finance / Savings Accounts
By: MoneyFacts
As we enter the festive month of December, savers will finally see some positive change in the variable savings market as many of the biggest brands have decided to increase their savings rates, but has the wait been worth it?
While many may assume it’s worth celebrating, the latest research from moneyfacts.co.uk can reveal that not all savers will be delighted, as some of the more popular deals have not had the full 0.25% Bank of England rate rise passed on. In fact, the average easy access rate has risen by a pitiful 0.07% in the last month, from 0.39% to 0.46%, and even those banks that do offer the full 0.25% rise can still be easily beaten by alternative brands, as challenger banks continue to dominate the Best Buys.
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