Analysis Topic: Personal Finance
The analysis published under this topic are as follows.
Monday, July 18, 2016
With less cash to Spend Abroad, avoid unwanted Credit and Debit Card Fees / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
As holidaymakers prepare for their trip abroad, they may begin to realise that their travel cash will not be going as far as before. Thanks to fluctuating exchange rates, buying £200 worth of Euros today means €49 less spending money than a year ago, and a similar picture can be seen when buying £200 worth of dollars, with almost $48 less back compared with 2015. With this in mind it is vital for consumers to save cash where they can, and one way to do this is to be wary of using cards abroad.
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Friday, July 15, 2016
Will They Come For Your IRA? / Personal_Finance / Pensions & Retirement
By: Dr_Jeff_Lewis
I received this note from a reader regarding the confiscation of retirement accounts:
Doc,
Thank you for your kind words. I do have a question for you.
You only need to read the first paragraph of this article for my question:
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Friday, July 15, 2016
How to Get Winning Letters K, C or D in Walkers Spell & Go Holiday Wins Promotion / Personal_Finance / Freebies and Comps
By: Anika_Walayat
Want to know how to get a winning K,C or D letter in Walkers Spell and Go Holiday wins promotion? Then find out in our latest video where we show you two methods for getting a winning letter K, C or D, so you too can experience what it is like to win a Walkers Spell & Go Holiday! Just as we have experienced! And so you can too share the excitement of winning a holiday with your friends and family.
Tuesday, July 12, 2016
Extortionate Fees Push Bank Overdraft Costs to a New High / Personal_Finance / Current Accounts
By: MoneyFacts
In March 2009 the credit crunch started to bite and base rate fell to its historic low of 0.50%. Since then, the cost of borrowing using a current account has risen, and it has now hit yet another high. Indeed, the latest research by Moneyfacts.co.uk can reveal that authorised overdrafts could now cost borrowers as much as £180 a year.
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Monday, July 11, 2016
UK Savings Market Review / Personal_Finance / Savings Accounts
By: MoneyFacts
As far as the savings market was concerned, the first half of 2016 was a total wipe-out. In fact, research from Moneyfacts.co.uk shows that, since the start of the year, savers have witnessed a vast number of rate cuts, which have caused rates to plummet to new lows. For example, the average five-year fixed rate has fallen by a whopping 0.63% since January this year.
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Wednesday, July 06, 2016
Walkers Crisps Spell and Go K C D Holiday Win After 300 Letter Codes! / Personal_Finance / Freebies and Comps
By: Anika_Walayat
Just Like us, hundreds of thousands of people right across Britain have dutifully trundled along through hail, rain and snow to their local supermarkets every other week to stock up on walkers crisp multi-packs in an desperate attempt to escape Britain's usually dismal summer by means of winning one of Walkers Spell and Go Holidays! We'll today after having entered 300 codes our quest for the holy grail for a K,C,D finally draws to an end and so find out happens towards the very end of our Walkers Crisp blitzkrieg campaign, and a valuable lesson of what to expect from future such promotions.
Tuesday, July 05, 2016
Use Credit Cards Sparingly to Avoid a Debt Hangover / Personal_Finance / Credit Cards & Scoring
By: MoneyFacts
Credit cards have long been established as a popular payment method and are currently celebrating their 50th birthday in the UK. However, increasingly tempting credit card limits (Barclaycard estimates that the average limit is now a staggering £4,000) mean that borrowers could find themselves falling into a spiral of long-term debt.
However, credit cards can be helpful if used sparingly, and if borrowers ensure that they grab a good deal and pay more than the minimum repayment each month.
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Tuesday, June 28, 2016
Cash ISA Interest Rates Have Halved Over the Past Four Years / Personal_Finance / ISA's
By: MoneyFacts
Long-suffering savers are likely to be all too familiar with the current state of the savings market, and while Individual Savings Accounts (ISAs) were once a competitive safe haven for savers’ cash, the last four years of rate cuts have been excruciatingly painful.
Indeed, research from Moneyfacts.co.uk can reveal that average rates, and in some cases best buy deals, have halved since the Funding for Lending Scheme (FLS) launched in 2012. In addition, since the introduction of the Personal Savings Allowance in April 2016, ISA rates have continued to plummet.
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Monday, June 27, 2016
Best Holidays for Summer 2016 / Personal_Finance / Travel & Holidays
By: ....
....
Saturday, June 25, 2016
Walkers Crisps Spell and Go - Will 250 Letter Codes Win a Holiday? / Personal_Finance / Freebies and Comps
By: Anika_Walayat
The Walker’s Crisps 'Spell and Go' promotion is now well past the halfway mark and we have so far entered over 250 codes for 200 letters. So we have plenty multiples of letters, but have we finally actually banked one of the scarce winning letters K,C or D. Find out in our latest video in this series, so that you too can understand what the actual real world chances are of winning a Walkers Spell and Go holiday.
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Monday, June 20, 2016
The not-so-cheap UK Personal Loans / Personal_Finance / Debt & Loans
By: MoneyFacts
Unsecured personal loans can be ideal for people who have debts to consolidate or who want to make a purchase with a fixed repayment plan. It’s not surprising, therefore, that in the current low interest rate environment this type of finance is proving to be popular with many borrowers.
However, these loans are not always the best option, and the latest research from Moneyfacts.co.uk reveals that anyone looking to take out a smaller loan may be shocked by how much they will be charged in interest compared to alternative forms of borrowing.
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Friday, June 17, 2016
Walkers Crisps Spell and Go WIN! - K,C or D Holiday After 225 Codes / Letters? / Personal_Finance / Freebies and Comps
By: Anika_Walayat
It's a big day today because we have actually finally won something 55 days into the Walker’s Crisps 'Spell and Go' promotion, now having entered over 225 codes for over 225 letters. So we have lots and lots of letters, see what we have won! Is it one of those special ultra rare holiday winning letters K, C or D, or something else? Find out in our latest video in this series so that you too can fully understand what the actual real world chances are winning!
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Tuesday, June 14, 2016
Savings Rate Cuts Hit ISAs Hard / 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 eight consecutive months.
In May, Moneyfacts recorded just 18 savings rate rises. Disappointingly, rate reductions over the same period completely outshone this figure, with the number of rate decreases standing at a staggering 156, with some deals falling by as much as 2.00%.
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Saturday, June 11, 2016
Walkers Crisps Spell and Go K,C,D Holiday Wins After 200 Codes / Letters? / Personal_Finance / Freebies and Comps
By: Anika_Walayat
We are now 50 days into the Walker’s Crisps 'Spell and Go' promotion, at the halfway mark and we have now entered over 200 codes for over 200 letters. So we have lots and lots of letters, but have we finally actually gotten one of the scarce winning letters K,C or D. Find out in our latest video in this series, so that you too can understand what the actual real world chances are of winning a holiday against that implied by the sales pitch of having a 26-1 chance of getting a winning letter.
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Monday, June 06, 2016
A Beacon of Hope in UK Savings Market / Personal_Finance / Stock Markets 2016
By: MoneyFacts
Thanks to dismal savings rates, savers can be forgiven for thinking that there is little to gain from switching savings accounts away from familiar high street providers. However, research from Moneyfacts.co.uk can reveal that this is not the case and that savers would actually be able achieve far better rates of return from the newer kids on the block.
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Friday, June 03, 2016
Happy Tax Freedom Day! Video / Personal_Finance / Taxes
By: Mario_Innecco
happy tax freedom day to all my viewers in the UK it's Friday jun 3rd 2016 and
yeah what is tax freedom day
well according to the adam smith institute they calculate tax freedom day
and basically it's the day tax rate and a is a measure of when Britain's stop
paying tax and putting their earnings into their own pocket
so into 2016 according to the adam smith institute every penny the average person
earned for working up to and including jun 2nd went to the tax men
jun 3rd from june third onwards
they're paying themselves so what this means is that is that this year the
Chancellor of the Exchequer George Osborn gobbled up the first hundred
fifty four days of our earnings from every source so
Wednesday, June 01, 2016
Moneyfacts Business Current Account Star Ratings Announced / Personal_Finance / SME
By: MoneyFacts
Moneyfacts has completed its annual assessment of the business current account market and awarded its Star Ratings as a result.
The Moneyfacts Business Current Account Star Ratings compare the charges and features that are most important for those looking for a current account, helping them to focus on a product that suits their individual business needs.
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Monday, May 30, 2016
Walkers Spell and Go Holiday Wins After 150 Codes / Letters? / Personal_Finance / Freebies and Comps
By: Sami_Walayat
We have now entered over 150 crisp packet codes for over 150 letters in Walkers Crisps Spell and Go promotion. If there was an equal chance of getting each letter then the odds of winning a holiday would be 26 to 1. So with 150 letters we should have won at least 5 holidays!
So find out in this video how many holidays we actually won and thus you too could win after entering 150 codes for 150 letters:
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Friday, May 27, 2016
Walkers Crisps Spell & Go Instant Win Odds of Probable Wins Out of 32 Packets... / Personal_Finance / Freebies and Comps
By: Anika_Walayat
It may be near impossible to win one of the supposed 20,000 holidays available under Walkers Crisps Spell & Go Promotion. However, to win is from opening one of the single packets (not from a multi-pack) usually 32.5g size, where you can win one of 250,000 instant prizes including sunglasses, cameras, books and packets of crisps.
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Thursday, May 26, 2016
Statistics for Funeral Planning in UK Grave / Personal_Finance / Pensions & Retirement
By: ....
Recent research has revealed that a shocking 45% of Britons have made no provisions for the event of their death, and that one in ten of the survey respondents foresee that their friends and family will have to foot the bill when they pass away. British Seniors Insurance Agency, an insurance company specialising in British Seniors, conducted this research via Opinium Research earlier this year.
This research uncovers the grave truth about funerals, memorial services and deaths - often loved ones are expected to take on the financial burden. With costs of funerals rising to an estimated £5,469 in some areas of the UK, this can cause substantial emotional stress. The research results suggested that, of the respondents surveyed who had managed the affairs of their loved ones, 58% admitted that it had a direct effect on their emotional health. This statistic was even higher among those respondents in the age bracket of 18-34 years old.
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