Best of the Week
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1.Independent Scotland Will Disintegrate as Unionist Regions Demand Referendum's to Rejoin UK - Nadeem_Walayat
2.Bank of England Panic! Scottish Independence Bank Run Already Underway! - Nadeem_Walayat
3.Scottish Independence Referendum Result NO 55%, YES 45% - Vote Forecast - Nadeem_Walayat
4.Scotland Independence Result NO Win 55% to Yes on 45% - Nadeem_Walayat
5.US Dollar Forecast to Go Much Higher - David_Petch
6.Russian Union Of Engineers Accuses Ukraine Airforce In MH17 Crash - Raul_I_Meijer
7.The Emergence of the US Petro-Dollar - Gary_Dorsch
8.Don't Miss This Gold Buying Opportunity - Brien Lundinr
9.Silver Price: A Collapse and a Rally - DeviantInvesto
10.Silver Buyers Keep Stacking And Demand Higher Despite Falling Prices - 18th Sept 14 - GoldCore
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Analysis Topic: Personal Finance

The analysis published under this topic are as follows.

Personal_Finance

Thursday, August 21, 2014

Getting the Most Value from Your “Geriatric Cruiser” / Personal_Finance / Shopping

By: Don_Miller

For many a car lover, retiring rich requires the end of a lifelong love affair. I empathize with them all; I’ve had my own romance over the last 50-plus years.

Cars have a special resonance for people of my generation. George Lucas’ classic coming of age film American Graffiti is proof positive of that. As teens we flocked to auto dealers when new models came out and fantasized about actually being able to own our favorite. And let’s face it: cool cars were chick magnets. In our 20s and 30s, with the help of a friendly finance company, those dreams became reality, and every few years we’d get the new car itch again.

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Personal_Finance

Tuesday, August 19, 2014

UK Inflation Falls But Savers Continue to Get Raw Deal / Personal_Finance / Savings Accounts

By: MoneyFacts

Inflation figures released today show that the Consumer Prices Index (CPI) fell from 1.9% to 1.6% during July.

To beat inflation, a basic rate taxpayer at 20% needs to find a savings account paying 2% per annum, while a higher rate taxpayer at 40% needs to find an account paying at least 2.67%.

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Personal_Finance

Thursday, August 14, 2014

If Mr. Rogers Ruled Wall Street / Personal_Finance / Pensions & Retirement

By: Don_Miller

Wall Street is “rigged.” That’s the word Michael Lewis, author of the bestseller Flash Boys, is spreading among the news networks, and it’s produced a vast outcry in the financial community.

Really? As Gordon Gekko, the unscrupulous corporate raider in the ‘87 classic Wall Street, says, “Come on, pal. Tell me something I don’t know.”

There’s a lot to learn from Gekko, who spends the bulk of the film demanding a young stockbroker named Bud Fox bring him information—information no one else can or will deliver. A few Gekko-isms should jolt your memory of the movie:

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Personal_Finance

Tuesday, August 05, 2014

Your Insurance Company Lands in Rehab—Will Your Annuity Survive? / Personal_Finance / Pensions & Retirement

By: Don_Miller

Your insurance company probably won’t go under; however, one might have said the same of AAA bonds in 2007. As many investors found out, sometimes the unlikely suddenly becomes your very own nightmare.

In 2012 the Financial Guaranty Insurance Company with $2.1 billion in assets failed. Also, in 2009 the Shenandoah Life Insurance Company with $1.7 billion in assets went under. In 2008, Standard Life Insurance Company of Indiana with $2 billion in assets collapsed as well. Although these failures weren’t all national front-page news like the AIG fiasco, anyone who owns an annuity or is thinking of buying one should take note.

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Personal_Finance

Friday, August 01, 2014

UK Savers’ Still Paying the Cost of Funding for Lending Scheme / Personal_Finance / Savings Accounts

By: MoneyFacts

The ill-fated Government initiative to kick-start the housing market, (Funding for Lending Scheme) was withdrawn this January, but not before it had decimated the savings market.       

Now the dust has settled, Moneyfacts has analysed what, if any, impact the withdrawal of FLS has had on the savings market.

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Personal_Finance

Thursday, July 31, 2014

Need-to-Know Tips for Buying Annuities… And Knowing When They’re Not For You / Personal_Finance / Pensions & Retirement

By: Don_Miller

You're probably something of an expert in your own field—and that field probably isn't insurance or annuities. How, then, can you work through the minefield of clauses, guarantees, and pages of small print? Here are nine ways to start.

While you may feel uncomfortable doing this, you're the one putting down thousands of dollars, and you have every right demand this. Remember: caveat emptor! It's the buyer who must beware; you must protect yourself. Ultimately, the language in the annuity contract is what matters, but it doesn’t hurt to memorialize your verbal agreement with the agent in writing.

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Personal_Finance

Monday, July 28, 2014

Subprime Loans Just the Start of Students’ Debt / Personal_Finance / Student Finances

By: Money_Morning

Shah Gilani writes: This is amazing.

If you’re about to become a college student, if you’re already a college student, or if you’re simply in debt and need more credit and plan on becoming a student again, you’re in luck.

Financial services giants Discover Financial Services Inc. (NYSE: DFS), Capital One Financial Corp. (NYSE: COF), Bank of America Corp. (NYSE: BAC), Citigroup Inc. (NYSE: C), and U.S Bancorp (NYSE: USB), to name a few players in the student credit game, are bending over backward for you.

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Personal_Finance

Wednesday, July 23, 2014

When All You Have Left Is the Cost of Breakfast at McDonald’s / Personal_Finance / Pensions & Retirement

By: Don_Miller

When I was 20 years old, I sat through my first day of a business law course at Northwestern University. The professor began by writing two words on the blackboard (in the prehistoric days of blackboards and chalk): Caveat emptor. He raised his voice and said, “Let the buyer beware!” I’m here to echo his warning, but this time it’s about annuities.

Annuities are at the top of the list of complicated products that often profit insurance companies without adequately compensating the buyer in return. Put plainly, sometimes you don’t get what you thought you paid for.

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Personal_Finance

Thursday, July 17, 2014

Fake Pensions - They’re Lying To Us / Personal_Finance / Pensions & Retirement

By: John_Rubino

Most people learn by the age of 10 or so that making promises is easier than keeping them. That’s why really big promises like corporate pensions and national retirement/health care programs are so easy to screw up. Offering someone a cushy retirement or a lifetime of healthcare feels great and generates massive goodwill from the recipient. So elected officials and corporate executives tend to over-promise in the moment and leave the hard part — actually making good on those promises — for their successors.

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Personal_Finance

Tuesday, July 15, 2014

Payday Loans Industry Crash as FCA 100% Cap on Interest Rate and Fees / Personal_Finance / Debt & Loans

By: Nadeem_Walayat

The FCA successor to the inept FSA regulator is finally going to act to put a CAP on the pay day legal loan sharks industry a good five years later than they should have acted had the financial regulator the best interests of the general public in mind rather than Britains banking crime syndicate.

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Personal_Finance

Thursday, June 26, 2014

New £15,000 Cash ISA Interest Rates Ahead of 1st July - What to Do? / Personal_Finance / ISA's

By: Nadeem_Walayat

Many savers will have delayed opening a cash ISA for the current tax year so as to best capitalise on the the new cash ISA allowance of near triple the existing amount of £5,490 to £15,000. However, It should not come as a much of a surprise that after more than 5 years of an artificial highly manipulated UK interest rates market for the primary purpose for funneling tax payer cash into the bankrupt banks (QE) that the already extremely low savings rates have have yet again been cut ahead of new ISA's going live on 1st of July.

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Personal_Finance

Thursday, June 26, 2014

Wonga Pay Day Loans Outfit Gets a Slap on the Wrist Instead of Prison / Personal_Finance / Debt & Loans

By: Nadeem_Walayat

Apparently 45,000 customers of the Wonga payday loans outfit are going to receive a flat £50 as compensation for being conned by fake threatening legal letters from law firms that did not even exist, which went on to include charges for bogus legal fees that is tantamount to fraud that caused huge distress for tens of thousands of Wonga customers, that instead of now facing the full weight of the law has instead been asked to compensate its victims for approx £2.6 million compared to Wonga's annual profits of £84 million which reeks of an FCA regulator that seems even more inept and toothless than the FSA it replaced.

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Personal_Finance

Tuesday, June 24, 2014

5 Women Who Made Me Rich and What They Can Teach You / Personal_Finance / Money Making

By: Don_Miller

My grandmother refused to share the heart-wrenching details until I was in the Marine Corps. I’d heard bits and pieces about my ne’er-do-well father but didn’t fully grasp the devastation he’d left behind until Grandmother spilled the story with tears in her eyes:

Your father never worked. After you were born he stole all the money in the house, vanished, and was never seen again. Fortunately your mother had gone back to work earning $8 per week.

However, one of the worst parts was: the store repossessed your baby carriage because your father stole the money your mother had saved to pay it off.

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Personal_Finance

Thursday, June 19, 2014

What the Regulatory Shift from the OFT to the FCA and Means for Payday Lenders / Personal_Finance / Debt & Loans

By: Submissions

Melly Abruzz writes: On April 1, 2014, the regulations governing payday lenders in the UK was transferred from the Office of Fair Trade (OFT) to the Financial Conduct Authority (FCA).  The gist of the regulatory shift was that payday lenders are now obligated to conduct thorough affordability and credit checks. Other changes include a cap in loan rollover, and pointing borrowers in the direction of free debt advice.

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Personal_Finance

Tuesday, June 17, 2014

Warning Russian Worm Burrows Into Our Mobile Banking Network / Personal_Finance / Cyber War

By: Money_Morning

Shah Gilani writes: This is a public service announcement. Really, you need to read this!

If you think your mobile banking app is safe, think again.

Right now, as in this very second, if you have a mobile banking app connected to USAA, Citigroup, American Express, Wells Fargo, Bank of America, TD Bank, JPMorgan Chase, BB&T or Regions Bank, you could be in deep Svpeng.

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