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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Sunday, March 16, 2008

Abbey Super Cash ISA 10%- Too Good to be True? / Personal_Finance / Savings Accounts

By: Nadeem_Walayat

Best Financial Markets Analysis ArticleAbbey have launched what on face value looks like an unbeatable market breaking Cash ISA savings account paying a remarkable 10% for up to 13 months on lump sum investments of up to£3,600 (from 6th April), but and there is a big BUT, savers also have to invest a lump sum into their Guaranteed Equity Bond GEB, which usually tend to prove to be very bad investments, therefore this article attempts to present an objective look at the Abbey product to determine whether or not it stacks up against other Cash ISA's such as the Barclays 12 month Tax Haven Cash ISA paying 6.5%. Both Cash ISA savings accounts are instant access.

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Personal_Finance

Monday, March 10, 2008

Best Cash ISA Savings Accounts- Barclays Tax Haven ISA -March 2008 / Personal_Finance / ISA's

By: Shahla_Walayat

Best Financial Markets Analysis ArticleThe end of the Tax year is little more than 3 weeks away giving enough time for savers to make sure that their cash ISA allowances are fully utilised. Savers can still enjoy remarkably good rates of interest despite two Bank of England interest rate cuts to 5.25%. This continues to be as a consequence of the credit crunch which means that cash starved banks are willing to pay savers that bit extra to get cash in through the doors. Though as the economy slows there will be further cuts in UK interest rates and therefore cash ISA savings rates will decline further from the heady levels approaching 7% seen in October 2007.

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Personal_Finance

Thursday, March 06, 2008

Devaluation of Your Savings - When Cash is Trash, Part II / Personal_Finance / Inflation

By: Money_and_Markets

Best Financial Markets Analysis ArticleWhen I wrote Part I of "When Cash is Trash" just three months ago — colleagues, investors, even friends and family told me I was nuts. "How can you go wrong with keeping most of your money safe in cash?" they asked.

"Safe?" I replied. "Give me a break!" Cash is like any other investment — its value goes up and down relative to other assets. Back then I said the current environment made cash just about the worst investment to hold on to. And, today, I still believe that.

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Personal_Finance

Thursday, February 28, 2008

Are Your Savings and Investments Safe From Bank Failures? / Personal_Finance / Credit Crisis 2008

By: Christopher_Laird

Best Financial Markets Analysis ArticleTime to ask a few good questions about your Interest rates - I think its time to start asking some basic questions about what we all think we are doing financially. Is what we do appropriate for the times? Or, more to the point, do we view risk appropriately?

Do we live in a time where we might just see our personal banks, or financial institutions such as money market funds, MMFs, fail?

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Personal_Finance

Friday, February 22, 2008

High Risk 125% and 100% Mortgages Disappearing / Personal_Finance / Mortgages

By: MoneyFacts

By the close of play yesterday four of the six lenders that were offering 125% loan to value mortgages had announced that they were to withdraw these higher risk home loans. Alliance and Leicester, Coventry BS, Godiva Mortgages and Abbey are all set to pull these deals this week. Julia Harris analyst at moneyfacts.co.uk investigates:

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Personal_Finance

Tuesday, February 19, 2008

Credit Card Balance Transfers – Not What They Used to be / Personal_Finance / Credit Cards & Scoring

By: MoneyFacts

Samantha Owens, Head of Personal Finance at Moneyfacts.co.uk, comments on the 0% balance transfer deals and how this market has changed: “It was way back in 2004 when balance transfer fees first started to raise their ugly heads on 0% credit card deals. However with increasing levels of personal debt, the market for transferring balances has become more competitive, but for the consumer it has become harder to get these deals.

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Personal_Finance

Friday, February 15, 2008

UK Long-Term Fixed Rate Mortgage Advantage Over Short-term Interest Rates / Personal_Finance / Mortgages

By: MoneyFacts

Best Financial Markets Analysis ArticleAs the year goes on, an increasing number of borrowers will be facing the dilemma of what to do once they come to the end of their fixed rate mortgage deals. Julia Harris, mortgage analyst at moneyfacts.co.uk, looks at the options available.

Trackers without penalties

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Personal_Finance

Thursday, January 31, 2008

Inland Revenue Extends Tax Filing Deadline to Midnight 1st Feb 08 / Personal_Finance / UK Tax & Budget

By: Shahla_Walayat

Due to technical difficulties which included the crash of the online self assessment filing system, the Inland Revenue announced earlier today that the penalty free deadline has been extended to midnight 1st of february. However as I highlighted in yesterdays article - UK Tax Filing Deadlines - 31st Jan 2008, 1st Feb 2008 and 4th Feb 2008! , earlier court rulings had already ensured that people could submit tax returns up to midnight on 1st of Feb without incurring the £100 penalty.

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Personal_Finance

Thursday, January 31, 2008

Lenders Raise Mortgage Interest Rates in Advance of UK Interest Rate Cut! / Personal_Finance / Mortgages

By: MoneyFacts

With speculation rife that the Monetary Policy Committee will cut base rate again next week, mortgage lenders have been preparing for the potential increased demand by increasing margins offered on tracker rate mortgages. Denise Harvey, mortgage analyst at Moneyfacts.co.uk investigates.

“In the last two weeks alone, analysis from Moneyfacts.co.uk has revealed that 10 lenders have increased the margins on tracker mortgages by as much as 0.45%.

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Personal_Finance

Wednesday, January 30, 2008

UK Tax Filing Deadlines - 31st Jan 2008, 1st Feb 2008 and 4th Feb 2008! / Personal_Finance / UK Tax & Budget

By: Shahla_Walayat

The UK Tax filing deadline is 31st January 2008, any return that is received on the 31st of January i.e. upto Midnight subject to tax office opening hours or online submission confirmation.

However, returns received upto midnight 1st of February despite being considered as late will not incur an automatic penalty.

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Personal_Finance

Saturday, January 26, 2008

Fixed Savings Rates Near 7%, Despite Easing of Interbank Rates / Personal_Finance / Savings Accounts

By: MoneyFacts

As fixed rate savings continue to fall, Rachel Thrussell head of savings at moneyfacts.co.uk looks at what this sector of the savings market still has to offer.

“Although we have seen a dramatic drop in some short term fixed rate savings over the last couple of weeks, with larger institutions such as Halifax dropping rates by up to 1%, there are still some really good deals to be found.”

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Personal_Finance

Tuesday, January 15, 2008

Fixed Rate Savings Interest Rates Take a Tumble / Personal_Finance / Savings Accounts

By: MoneyFacts

Rachel Thrussell, Head of Savings at Moneyfacts.co.uk, comments: “High savings rates have been a by-product of the credit crunch, as providers source deposits as an alternative option to raising funds on the money markets. Competition is still alive, with rates paying almost 1% more than Bank of England base rate in the variable market, and as much as 1.35% within the fixed market.

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Personal_Finance

Wednesday, January 09, 2008

Choosing the Wrong Personal Loan Could Prove Costly / Personal_Finance / Debt & Loans

By: MoneyFacts

If your new year’s resolution is the tackle your debt by consolidation, tread carefully as you could be caught out by high interest rates and over priced insurance. Lisa Taylor, analyst at Moneyfacts.co.uk investigates:

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Personal_Finance

Sunday, January 06, 2008

Credit Crunch Continues as Short-term Savings Interest Rates Remain High - Jan 08 / Personal_Finance / Credit Crunch

By: Shahla_Walayat

The worlds central banks announced in December 07 that they would take concerted action to help ease the liquidity crises that has been gripping the financial sector since August 07. Whilst this has had a big impact on the interbank market, this article looks at its impact on the personal savings market.

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Personal_Finance

Sunday, January 06, 2008

Best Mini Cash ISA Tax Free Savings Accounts for 2008 / Personal_Finance / ISA's

By: Shahla_Walayat

Concerted central banks action is attempting to cut money market interest rates, this has met with some success with the LIBOR rate falling from a peak of 6.8% to the current 5.75% This is resulting in a cut in savings interest rates, however the likelihood is that there will be further deep cuts in UK interest rates during 2008, therefore the warnings that I have been issuing over the last 5 months to lock your in Cash ISA rates now at high levels still stands, though the fixed rates approaching 7% are long gone.

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Personal_Finance

Tuesday, January 01, 2008

Savings Top Agenda for Consumers in 2008 - Top Tips for Savers / Personal_Finance / Savings Accounts

By: Nationwide

Research* from Nationwide Building Society has revealed that when it comes to finances, the number one New Year's resolution is to save more money in 2008. Nearly half of all respondents said that the one change they wanted to make in the New Year involved their savings, with 48% admitting they either wanted to save more or actually start saving money.

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Personal_Finance

Monday, December 17, 2007

UK Investments and Pension Funds Feeling the Winter Blues / Personal_Finance / UK Stock Market

By: MoneyFacts

With the end of another year rapidly approaching, now is an ideal time to reflect upon the key financial events of the past twelve months and what 2007 has meant for consumers. For most savers and investors 2007 has proved to be another challenging year.

So how have the different products fared over the last year, and what have been the major developments?

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Personal_Finance

Monday, December 10, 2007

UK Savers Benefit From the Liquidity Credit Crisis as Fixed Rates Rise Again / Personal_Finance / Savings Accounts

By: MoneyFacts

Andrew Hagger, Head of News and Press at Moneyfacts.co.uk, comments on the recent increase in short-term savings rates.

“It seems that some institutions had pre-empted the recommendations issued by the FSA yesterday and may have already been assessing their funding and liquidity positions, as a result attempting to bring in more funds through the front door.

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Personal_Finance

Monday, December 10, 2007

Children's Savings Accounts Could Be Costing Parents Over £6,000 In Tax / Personal_Finance / UK Tax & Budget

By: Nationwide

Nationwide calls for tax reform on children’s savings as Christmas approaches.

As 2007 draws to a close, Nationwide Building Society calls on the Government to bring about tax reform on children's savings in 2008. The Society reveals that parents who regularly pay money into their child's savings account could be faced with a tax bill of more than £6,000 over 18 years.1

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Personal_Finance

Wednesday, November 28, 2007

Poor Understanding of Monetary Value of 1% / Personal_Finance / Debt & Loans

By: Nationwide

Research from Nationwide Building Society reveals that 75% of people in the UK don't understand the monetary value a 1% difference in mortgage rates can make. A 1% difference in rates on a five year fixed rate mortgage deal could be worth over £4,000*. When given details of two five year mortgage deals to compare, the largest group of respondents (28%) said they thought the difference on a £120,000 mortgage with an interest rate at 5.6% compared to a rate of 6.6% would be between £500 and £2000. Another 23% said they had no idea at all. Only 25% of people correctly identified that the difference could be £4,000.

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