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Market Oracle FREE Newsletter

Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Tuesday, October 19, 2010

Top Three Ways to Boost Your Credit Rating / Personal_Finance / Credit Cards & Scoring

By: Credit_Choices

Your credit rating is calculated by a credit reference agency. The agency will carry out a credit rating check by compiling information based on a variety of sources, such as the electoral role, financial data and court records. This information is sold onto lenders who will use it to decide whether to lend money or what deals to make available to the customer.

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Personal_Finance

Thursday, October 07, 2010

How 40% Tax Payer Families Can Keep Child Benefit Using Pensions / Personal_Finance / Taxes

By: Nadeem_Walayat

Firstly, virtually all of the mainstream press are WRONG in the assumption that the 40% tax band kicks in next tax year from £44,000 because they have failed to take into account tax changes announced in the June emergency budget that in effect reduces the higher rate tax band towards a rate of approx £42,500 (pending release of September RPI later this month).

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Personal_Finance

Wednesday, October 06, 2010

Fee Paying U.K. Current Accounts Double, Big Profits for the Banks / Personal_Finance / UK Banking

By: MoneyFacts

In the current economic climate, current account credit interest rates have fallen significantly. So much so, that a number of providers have decided to scrap paying credit interest altogether.

In recent weeks, NatWest and RBS have stopped paying credit interest on all of their current accounts.

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Personal_Finance

Tuesday, October 05, 2010

How To Decide Between Fixed-Rate and Tracker Mortgages / Personal_Finance / Mortgages

By: Credit_Choices

Best Financial Markets Analysis ArticleOne of the biggest decisions to make when taking on a mortgage is whether to go for a fixed-rate mortgage or a tracker mortgage. You need to consider your own personal circumstances, and all the potential outcomes of being signed up to each kind of mortgage.

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Personal_Finance

Tuesday, October 05, 2010

Top Tips For Switching Between Mortgage Deals / Personal_Finance / Mortgages

By: Credit_Choices

Best Financial Markets Analysis ArticleIf your mortgage deal is no longer competitive, it may be time to switch. However, choosing the wrong mortgage could cost you thousands of pounds a year. Here are the most important things to consider when planning to switch mortgages.

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Personal_Finance

Thursday, September 30, 2010

Retirement Investors Take Advantage of the Greatest Government Tax Loophole Ever / Personal_Finance / Pensions & Retirement

By: DailyWealth

Best Financial Markets Analysis ArticleOn December 31, 2010, the government will close an amazing loophole... one that affects 60% of the U.S. population.

In an attempt to collect taxes today to pay for its excesses, the government is promising to never tax our retirement money in the future. Let me explain...

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Personal_Finance

Tuesday, September 28, 2010

Tips for Finding Cheap Loans You can Rely On / Personal_Finance / Debt & Loans

By: Credit_Choices

If you see an advertisement for a cheap loan which seems too good to be true, it may well be. Here are some top tips for spotting the potential pitfalls of loan offers and finding the right cheap loan for you.

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Personal_Finance

Saturday, September 18, 2010

Top 10 Tips For Finding the Best Savings Interest Rate / Personal_Finance / Savings Accounts

By: Credit_Choices

Best Financial Markets Analysis ArticleMore and more people are reducing their spending and choosing, instead, to save or invest the money they earn. Find the best savings rate available to you and the money you put away will go a lot further. Here are the top ten tips for finding the best savings rates.

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Personal_Finance

Friday, September 17, 2010

Mortgage Repayment Protection, Is it worth it? / Personal_Finance / Mortgages

By: Credit_Choices

Mortgages were seen in the boom years as a foolproof way of borrowing, leading to inevitable profits from soaring house prices. Now the recession has hit, many people are struggling to repay their mortgages by themselves - this is where mortgage protection comes in.

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Personal_Finance

Wednesday, September 15, 2010

Save on Credit Card Interest Rate Payments by Utilising Interest Free Credit Cards / Personal_Finance / Credit Cards & Scoring

By: Credit_Choices

Paying interest on a credit card can take a big chunk out of your monthly earnings, so if you can avoid paying interest by using an interest free credit card, you should do so. There are now a variety of different credit card deals which can help you last longer without paying interest, you just need to know how to navigate the interest free credit card marketplace.

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Personal_Finance

Tuesday, September 14, 2010

What Are ‘Adverse Credit Cards'? / Personal_Finance / Credit Cards & Scoring

By: Credit_Choices

David P Walker writes: Adverse credit cards are available for people who may not have access to the most competitive credit cards. This is usually because they have a bad credit rating, and are therefore considered by lenders to be in the ‘high risk’ category of borrowers. Adverse credit cards usually have higher interest rates and less features than other credit cards, making them an unattractive option for those who can take out other types of credit card. However, they can help to rebuild a good credit rating, if used sensibly.

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Personal_Finance

Tuesday, September 14, 2010

Top 5 Tips for Using a Credit Card Abroad / Personal_Finance / Credit Cards & Scoring

By: Credit_Choices

Using a credit card abroad can be an expensive business. If you are planning to make use of your credit card abroad, there are some simple steps you can take to ensure you get the best deals and pay as few fees and charges as possible.

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Personal_Finance

Monday, September 13, 2010

Three Steps to Your Monetary Freedom / Personal_Finance / Fiat Currency

By: LewRockwell

Best Financial Markets Analysis ArticleRichard C.B. Johnsson writes: What is needed for us to have real monetary freedom? Do we have to repeal legal tender laws? Abolish the central bank? Introduce a gold standard? Denationalize money á la Hayek? Or perhaps to introduce some other major policy change?

Not really. We just have to use some magic, some monetary magic.

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Personal_Finance

Thursday, September 09, 2010

Banks Hit Customers With Increased Overdraft Intereat Rates Despite No Change in Base Rate / Personal_Finance / UK Banking

By: MoneyFacts

Recent figures from the Bank of England show overdraft rates at an all time high.

In the last 18 months, more than a quarter (26%) of current accounts have seen increases in their authorised overdraft rates, despite no change in the bank base rate. (See appendix for full details)

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Personal_Finance

Tuesday, September 07, 2010

Four Ways to Make Your Money Work Harder / Personal_Finance / Money Saving

By: Nilus_Mattive

Best Financial Markets Analysis ArticleAfter a great Labor Day weekend, a lot of Americans are now back at their desks, hard at work … and I’m no exception.

But while you might rather be back at the beach or the family barbecue, the good news is there are things you can do to make sure your hard-earned money is working hard for you in return.

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Personal_Finance

Saturday, September 04, 2010

HMRC PAYE Tax Error To Cost Workers £1,400 Each, £400 Rebate for Others / Personal_Finance / Taxes

By: Nadeem_Walayat

A Treasury department audit of the Inland Revenue (HMRC) has revealed huge blunders in calculation of tax owed under the PAYE system which means 1.5 million workers have paid too little tax amounting to an average tax bill of £1,400 each or £2 billion in total. Against this HMRC was found to have over deducted tax from 4.3 million workers totaling £1.8 billion which averages out at a tax refund of £400 each.

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Personal_Finance

Tuesday, August 31, 2010

Retirement Distress as Annuity Rates Hit All Time Lows / Personal_Finance / Pensions & Retirement

By: MoneyFacts

The prospects of securing a comfortable retirement have taken a further blow with news that pension annuity rates have hit an all time low.

Research from Investment Life & Pensions Moneyfacts has revealed that annuity rates have fallen steadily over the summer months following a spate of re-pricing activity amongst providers.

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Personal_Finance

Tuesday, August 24, 2010

Reader's Question: Will the Gov't Confiscate my 401K and Should I take My Money Out? / Personal_Finance / Pensions & Retirement

By: JD_Rosendahl

Best Financial Markets Analysis ArticleI absolutely love getting great money questions.  It might be my favorite thing about blogging about money, investments, trends, and strategies.  Recently, I wrote a blog:  More people tapping 401(k)s .  In that blog, I wrote about unfortunate reasons why people are taking premature distributions from their 401K plans.  A reader responded to that blog with a very well thought out and pro-active question:

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Personal_Finance

Tuesday, August 24, 2010

The Perils of Tapping a 401(k) / Personal_Finance / Pensions & Retirement

By: Nilus_Mattive

Best Financial Markets Analysis ArticleFidelity just released a new report and it’s pretty depressing.

The upshot? A record number of Americans are making hardship withdrawals from their 401(k) retirement plans. Worse yet, the number of U.S. workers borrowing from their plans is also at a 10-year high!

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Personal_Finance

Tuesday, August 24, 2010

Gold Falls with Stocks & Euro as Yen Hits 15-Year High / Personal_Finance / Pensions & Retirement

By: Adrian_Ash

THE SPOT PRICE of wholesale gold dropped to a 7-session low Tuesday lunchtime in London, as world stock markets fell hard in thin trade and the Japanese Yen reached a new 15-year high vs. the Dollar.

"Monday was about as quiet as it gets," says one London bullion dealer in a note.

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