Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Sunday, October 30, 2016
Halloween Money Saving - How to Make a SCARY Pumpkin Lantern for Kids! / Personal_Finance / Money Saving
By: Anika_Walayat
For get buying any expensive gear or toys. Instead here's my easy to follow fun low cost money saving activity to do with your kids on Halloween, which is to make a scary pumpkin lantern! I'll show you how in this easy to follow step by step guide -
1.Choose a large pumpkin
2.Use s sharp knife to cut off the top
3.Dig out the insides, with a spoon and / or your hands. This is the toughest!
4. Use a marker pen to draw a simple outline of a face on the pumpkin. Eyes, Nose, Toothy Mouth.
5.... Watch the video!
Tuesday, October 25, 2016
Points Reward Credit Cards that Become ‘Pointless’ / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
Shoppers that frequently pay by card might decide to open a reward credit card to use as an alternative to their debit card, so that they can earn points every time they spend. However, not all cards are as rewarding as they may seem.
A points scheme is useful for those who want to gain a little extra by turning the points into vouchers or other rewards, but sometimes these rewards can take a long time and a significant spend to add up to anything worthwhile. In addition, some cards will charge higher rates of interest on purchases than could be achieved elsewhere, so if shoppers are not careful, the interest could outweigh any benefits.
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Monday, October 24, 2016
Average five-year Fixed Rate Savings Bond Falls Below 2.00% / Personal_Finance / Saving Bonds
By: MoneyFacts
Long-term fixed rate bonds used to be the premier solution for many savers looking for a decent return on their savings. However, Moneyfacts.co.uk data can reveal the disappointing news that the average five-year fixed bond rate has fallen to a record low, now standing below 2.00%.
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Wednesday, October 19, 2016
The Fed Destroyed US Boomers’ Retirement Dreams / Personal_Finance / Pensions & Retirement
By: John_Mauldin
The more I think about where the “monetary policy community” of academic elites has brought us, the angrier I get. It’s been a long time since I’ve been this passionately upset about something.
Almost everything the Fed did to us since 2008 falls into two broad categories: interest rate repression and quantitative easing.
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Tuesday, October 18, 2016
Savers have Little to look forward to as Interest Rate Cuts Keep Coming / 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 12 consecutive months.
In September, Moneyfacts recorded 29 savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases standing at 164 – which translates to around six cuts to every rate rise – with some deals falling by as much as 0.75%.
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Monday, October 17, 2016
UK Savings Trends Treasury Report – product numbers fall to record low / Personal_Finance / Savings Accounts
By: MoneyFacts
Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that the total number of savings products has fallen to an all-time low, with a staggering 274 savings products withdrawn from the market since January.
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Friday, October 14, 2016
DIY Winter Home Maintenance Money Saving 22 Point Checklist to Get Ready for Winter/Fall / Personal_Finance / Home Maintenance
By: Adnaan_Walayat
Now is the time before the temperatures drop to conduct a relatively quick but comprehensive preventative home winter weather proofing survey that than can save on costly repair bills such as damage form blocked drains, gutters, leaking roofs, and burst pipes, claims from which can result in soaring insurance premiums, as well as save on costly excessive energy usage due to drafts, poor insulation and boiler problems.
Tuesday, October 11, 2016
Child Savings Accounts Face Gruelling Interest Rate Cuts / Personal_Finance / Savings Accounts
By: MoneyFacts
It is unusual to see a mass of rate cuts on children’s savings accounts, but the latest research by Moneyfacts.co.uk reveals this is exactly what’s happening. More than 100 rate cuts have been made over the course of 2016 to child savings accounts, so much so that some deals are now paying as little as 0.10% per year.
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Monday, October 10, 2016
Bank Current Account Overdraft Fees Hit a High, Attacking Careful Customers / Personal_Finance / Mortgages
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, highlights that the average two-year tracker rate has increased by 0.07% in just one month, bringing the figures back to July 2016’s level and cancelling out the “base rate effect”.
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Saturday, October 01, 2016
Why Nervous Pensioners Are Running for the Exit / Personal_Finance / Pensions & Retirement
By: EWI
The Dallas pension system embraces risk with alternative assets
[Editor's Note: The text version of the story is below.]
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Wednesday, September 28, 2016
The Fed Put a 50% Tax on Your Retirement Plan / Personal_Finance / Pensions & Retirement
By: John_Mauldin
If a politician said he thought he should tax the income from your retirement plan, right now, at 50% (no matter where you are in the retirement process, that would certainly hurt the ability of your portfolio to compound), what would you think (other than that he was completely Looney Tunes)?
But that's exactly what the Federal Reserve has done by keeping interest rates low.
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Tuesday, September 27, 2016
Save Up to 70% in Shopping Expenses for Daily Items / Personal_Finance / Shopping
By: ....
We have a series of tips to help you save money on purchases every day:
1) Buy Cheaper in Factories
Factory outlets can help you save a lot of money because the consumer can buy directly from the manufacturer without having to go through an intermediary (such as a traditional store, for example).
Friday, September 23, 2016
Pension Shortfalls Could Be 4X To 7X Greater Than Reported / Personal_Finance / Pensions & Retirement
By: Dan_Amerman
The reported shortfall for the California Public Employees Retirement System (Calpers) is $139 billion - but that is based upon investment assumptions that may be unlikely in current markets.- As developed using a 40 year financial model and recent actual results, the real present value shortfall could be in the $500 billion to $1 trillion range, which is 4X to 7X as great as reported.
- Calpers is used as a real world example to explore nationwide issues that could change our financial futures - and our choices - as investors, taxpayers and pension beneficiaries.
Wednesday, September 21, 2016
TwinLakes Theme Park Summer Super 6 FREE Return Entry for Real? / Personal_Finance / Theme Parks
By: Sami_Walayat
Find out if upto 4 people really can easily gain FREE return entry to the TwinLakes theme park situated near the city of Nottingham via the easy to achieve Summer Super 6 challenge cards and thus save between £40 to £60 on what one would have paid for entry as we return to the Theme park with the promised FREE entry during a September weekend cards. So if you have a Twinlakes super 6 card then you still have time to capitalise upon it!
Tuesday, September 20, 2016
Savers Could Earn Over 10% by Using a Current Account / Personal_Finance / Current Accounts
By: MoneyFacts
At a time when savings rates are reaching record lows, there are clearly far fewer ways of earning a decent return. Surprisingly, a current account could be a salvation for savers weathering the current climate, thanks to the rewards they offer.
By making use of the Current Account Switch Guarantee (which has been in force for three years this month), spenders and savers alike could earn up to £220 in the first year when moving their account.
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Tuesday, September 20, 2016
UK Petrol and Diesel Pump Prices Rip off Investigation Call / Personal_Finance / Gas - Petrol
By: Submissions
FairFuelUK Campaign: In the last month as the Brent oil price in Sterling has fallen 9.5% or £3.67 per barrel, wholesale diesel fell only 1.8% with petrol, in complete contrast, rising bewilderingly by 1.6%. We are reliably told that the average independent garage should reflect oil and wholesale price changes in just 7 days. True to type, in reality this continues not to be the case. With such significant falls in oil seen since 18th August, pump prices for diesel have instead been hiked by 1.89p and petrol by 1.71p per litre.
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Monday, September 19, 2016
Dramatic Falls in UK Savings Interest Rates / Personal_Finance / Savings Accounts
By: MoneyFacts
Moneyfacts UK Savings Trends Treasury Report data, yet to be published, highlights that long-term fixed rate bonds and ISAs have fallen, with long-term fixed rate ISAs falling for 11 consecutive months, plummeting to all-time lows yet again.
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Wednesday, September 14, 2016
2016 The Worst Ever Year for Annuity Income / Personal_Finance / Pensions & Retirement
By: MoneyFacts
As tomorrow marks Pensions Awareness Day (PAD), new research compiled by Moneyfacts has revealed that annuity rates are on track for their biggest ever annual fall. Based on a benchmark annuity (standard level without guarantee), the average annuity income for a 65-year-old has fallen by 14.8% on a £10K purchase price and by 15% on a £50K purchase price so far during 2016.
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Tuesday, September 13, 2016
Relentless Interest Rate Cuts are a Deterrent to Savers / 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 eleven consecutive months and that August has officially become the worst month this year for cuts.
In August, Moneyfacts recorded three savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases standing at a staggering 388, which translates as around 130 cuts to every rate rise, and some deals fell by as much as 1.30%.
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Monday, September 12, 2016
Moneyfacts UK Mortgage Trends Treasury Report / Personal_Finance / Mortgages
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, highlights that borrowers who took out a two-year fixed rate mortgage will have less incentive to switch from their Standard Variable Rate (SVR) to a new deal. The graph shows the difference between the two rates, which is the lowest it has been for six months.
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