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Personal Finance News 09/2012



Annuity crisis sends savers reeling
By Paul Farrow, Personal Finance Editor. 7:00AM BST 01 Sep 2012. Comments. Annuity rates continue to slide, piling on the agony for hundreds of thousands of new pensioners. Rates hit new lows this week, as Standard Life cut its annuity rates by 5pc, ...

Money Watch: Will gold protect investment against inflation?
Money Watch, a personal finance column that runs every Saturday, features a financial planner from the National Association of Personal Financial Advisorsanswering reader questions about saving, protecting and growing your money. To submit a question, ...

Oregon's stronger K-12 financial literacy standards still aren't ideal
Benjamin Brink/The OregonianStephanie Silva, then a junior at Centennial High School, plays a personal finance game on a computer in Kathy Thiebes economics class in 2010. On Tuesday, Oregon schools will have to abide by new standards requiring ...

'I'm concerned about the state of the mortgage market': Plight of homeowners ...
'I'm concerned about the state of the mortgage market': Plight of homeowners ...

Personal Finance: How to plug online ID leaks
Personal Finance: How to plug online ID leaks. By Claudia Buck · [email protected] The Sacramento Bee. By Claudia Buck. Last modified: 2012-09-02T22:08:28Z. Published: Sunday, Sep. 2, 2012 - 12:00 am | Page 1D. Last Modified: Sunday, Sep. 2, 2012 ...

Personal Finance: Lesson 1: Handling your credit
Gail MarksJarvis is a personal-finance columnist for the Chicago Tribune. Contact her at [email protected] CURRENTLY SHOWING ON PHILLY.COM. Interactive map: 23 years of murder in Philly · Down The Shore: A Day at The Chelsea ...

Personal Finance: How to plug online ID leaks
When it comes to online identity theft, it's a minefield out there. Every day, some cyber crook is devising new ways to sneak into our online accounts and pilfer money, or just our sanity. And computer hackers are getting better at it, becoming ...

How to Convince Lenders to Give You a Loan After Filing for Bankruptcy
With a secured personal loan, you deposit cash or relinquish property to the lender as a condition of borrowing the money. If you default on the loan, the lender can keep the collateral. On the other hand, unsecured personal loans aren't attached to ...

Rockland saga lifts veil on conflicts of interest
A Personal Finance investigation has exposed far wider conflicts of interest that are totally unassociated with the Rockland entities. Sadly, the Rockland provisional curatorship also once again reveals that little reliance can be placed on the ...

Your pension choice a worry for govt
Personal Finance asked the FSB to investigate the scheme in May last year, and the FSB merely accepted replies given to it as fact, allowing what amounted to a gigantic Ponzi scheme to continue operating under its nose. (A Ponzi scheme uses the capital ...

Bajaj Finserv eyeing Rs 550-cr from online personal loan biz
Bajaj Finserve Lending (BFL), which launched an online personal loan service for salaried professionals last week, is expecting to garner business of Rs 500-550 crore in the first year of operations, an official said here on Friday. The first to come ...

Which loan should you get rid of first?
For instance, defaulting on a personal loan would impact your credit score, but if you default on your car loan, not only will it dent your credit score but there is also the possibility of your vehicle being impounded. Similarly, skipping a single EMI ...

Cheap Mortgage Rates Helping Housing Market Rebound
Cheap Mortgage Rates Helping Housing Market Rebound. September 2, 2012 | Posted by Stan Tagged With: cheap mortgage rates helping rebound, housing market, mortgage rate falls, mortgage rates ...

Banks under pressure to lower mortgage rates
The Central Bank reminded customers that the MMRR is not the mortgage rate that will be charged by the commercial bank. The mortgage rate will be computed as the MMRR plus a margin which will be negotiated between the commercial bank and the ...

DTC 3.0: Seven personal taxation areas that need a change
Personal Finance · Tech Jobs Opinion Features Environment Blogs · ET NOW · ET Wealth Mutual Funds Fixed Deposits Insurance Art Loan Centre Credit Cards · Tax Savers · NRI Services Savings Centre Calculators · Tax News. You are here: ET Home ...

US 30-year mortgage rate drops to 3.59%
Washington — Average U.S. rates on fixed mortgages fell last week and are just slightly above record lows reached earlier this year. The low rates have contributed to a modest housing recovery. Mortgage buyer Freddie Mac said Thursday that the rate on ...

Carnival of Indian Personal Finance Blogs # 11
Welcome to the 11th edition of Carnival of Indian Personal Finance Blogs. The carnival is our effort to reach out to veteran and contemporary bloggers in the personal finance domain and to bring them on a common platform so that our readers can get a ...

State focusing on financial literacy
Fifteen years ago, Oregon got rid of the requirement that high schoolers pass a half-year personal finance class to graduate. Back then, times were good. We wanted kids better schooled in math and science to hack it in a world economy. “People were ...

HSBC Withdraw Mortgage Deal.
It has become more and more apparent that the mortgage rate price war is well under way, with lenders finally competing for business. The 3 month London Interbank Offered Rate (LIBOR), the rate which banks use to lend to one another, has been reducing ...

5 New Electric Vehicles Worth a Look
Posted 9/3/2012 9:30 AM by Jessica L. Anderson, Associate Editor, Kiplinger's Personal Finance, Jessica L. Anderson, Associate Editor from Kiplinger in Personal Finance, Insurance. 0 comments | Like it Don't like it. loading. Two years ago, the Nissan ...

How should they invest our wedding gift?
In addition to the $10,000, you might want to sweeten the gift by adding a subscription to Money Magazine or Kiplinger's Personal Finance Magazine. Either of these magazines are a great resource for learning about investing, and managing personal ...

Mortgage Rates : Fed Comments Push Rates To 4-Week Low
According to Freddie Mac's weekly mortgage rate survey, the average 30-year fixed rate mortgage rate dropped 7 basis points to 3.59% last week for mortgage applicants willing to pay 0.6 discount points plus a full set of closing costs. However, Freddie ...

Mortgage payments for first-time buyers vary by €1400
By Charlie Weston Personal Finance Editor. Tuesday September 04 2012. FIRST-time buyers who can get a mortgage are being charged widely different interest rates, it has emerged. The difference in costs adds up to €1,400 a year when the most expensive ...

Halifax enhances car loans with free petrol
Halifax is giving customers who take out a personal loan to buy a car £100 towards the cost of petrol. Provided on a pre-paid fuel card, the offer is available in branch, online and over the phone (untill 21st October) to any customer taking out a ...

Current Mortgage Rates Today – JPMorgan Chase and Bank of America Lower ...
Current Mortgage Rates Today – JPMorgan Chase and Bank of America Lower ...

From Porn to Payday Loans: Nadya Suleman Now Pushing “Octoloan”
Rates · Personal Loan Rates · Investing · Banking · FREE Credit Score · High Interest Savings Accounts · Barclay Rewards Card · Ally Savings Account. Featured In: Banking · Savings Accounts · Checking Accounts · Certificate of Deposits · Money Market ...

Tesco Bank improves 'disappointing' mortgage rates
However, Sylvia Waycot, of price comparison website Moneyfacts, said that while any cut in mortgage rate is to be applauded 'this latest cut from Tesco falls short of those currently in the best buy tables'. Email a friend. Email me when someone ...

Libor cut spurs Keystone mortgage rate slash
Keystone Buy to Let Mortgages, a joint venture between Mortgages for Business and Aldermore Commercial Mortgages, has reduced all its three-year discounted rates by 0.30 per cent after Aldermore Bank reset its London inter-bank offered rate down from ...

Dena Bank cuts interest rates on retail loans
Mumbai, Sept. 4: Public sector lender Dena Bank has reduced the interest rates on retail loans in the education, car and personal loan segment. The interest rate on education loans has been reduced by 2 per cent to 12 per cent (from 14 per cent), while ...

Hey scholars, does your debt-to-income ratio make the grade?
That blueprint is available in the form of educating yourself about personal finance. Run a surplus, avoid carrying balances on your credit cards, and focus on paying down debt aggressively. You'll be able to limit the turbulence on your flight, and ...

Consumers hit with 8.5pc Bord Gais gas price hike after regulatory approval
By Charlie Weston Personal Finance Editor. Tuesday September 04 2012. HOUSEHOLDS will be forced to shell out more money for gas this winter after the energy regulator this afternoon granted Bord Gais a price hike. And the regulator was called on to ...

Lending Money to Family and Friends
"It is very hard to pull apart your personal feelings from that business transaction when you loan money to friends and family," says personal finance expert and author Manisha Thakor, CFA. "The biggest downside is ruining the relationship when you don ...

7 Ways to Save on Pet Costs
Posted 9/4/2012 9:04 AM by Jessica L. Anderson, Associate Editor, Kiplinger's Personal Finance, Jessica L. Anderson, Associate Editor from Kiplinger in Personal Finance, Insurance. 0 comments | Like it Don't like it. loading. 1. Compare prices for ...

Mortgage rates falling once again
HSH Library · HSH Blog; Mortgage Rate Forecasts; Two-Month Forecast · Weekly Forecast · Mortgage Rate Trends · Today's Mortgage Rates · Historical Mortgage Rates · Rate Analysis Tool · Mortgage Rates by State · ARM Index Rates · Mortgage Calculators ...

Tales from the war zone: The Toronto real estate market Add to ...
Tales from the war zone: The Toronto real estate market Add to ...

US construction spending fell 0.9 percent
Buy · Rent · Sell · Mortgage Rate Monitor · Get It! Classifieds · Today's Deal · Business Directory · Print Ads · Coupons · Buy Photos. Fast Times; Graphic: 2012 Presidential Campaign · BP Gasoline · Thomas Philpot Trial · Cline Avenue bridge · Digital ...

30-Year Fixed Mortgage Rate Continues to Slide, Hovers Above Record Low ...
30-Year Fixed Mortgage Rate Continues to Slide, Hovers Above Record Low ...

Mortgage Rates: Low Mortgage Rates Remain Still as Manufacturing Falls Again
Borrowers seeking jumbo mortgages need to shop around for the best possible jumbo mortgage rate and terms available. Today's Wells Fargo California 30 year fixed mortgage interest rates are at 3.750% (3.925% APR). MBS prices (mortgage backed ...

Japan may hike 1st-time mortgage discount: report
LOS ANGELES (MarketWatch) -- In an effort to spur home purchases, Japan's Land Ministry is proposing raising the mortgage-rate discount for first-time buyers, the Nikkei busines daily said in an unsourced report Wednesday. The plan involves the "Flat ...

Personal Finance: Tips to prevent ID theft: Security freezes, credit checks
My Sunday column on preventing online identity theft offered tips from cyber-security experts. Here three more tips, including one from a reader. 1) Column reader Curtis Carroll, a map company sales manager in West Sacramento, recommends getting a ...

Banks to foot €250 advice bill for struggling homeowners
By Charlie Weston Personal Finance Editor. Wednesday September 05 2012. MORTGAGE holders at risk of losing their homes are to be provided with free advice from accountants -- with the banks paying the bill. The new scheme will provide a lifeline for up ...

NY court to decide if lap dance is tax-exempt art
... Today's Globe · News · Your Town · Business · Sports · Lifestyle · A&E · Things to do · Travel · Cars · Jobs · Real Estate · Technology · Health care · Markets · Personal Finance · Retirement · Blogs · Home /; business /; personal finance. The ...

Japan may hike 1st-time mortgage discount: report
LOS ANGELES (MarketWatch) -- In an effort to spur home purchases, Japan's Land Ministry is proposing raising the mortgage-rate discount for first-time buyers, the Nikkei busines daily said in an unsourced report Wednesday. The plan involves the "Flat ...

Hodge Lifetime cuts lifetime mortgage rate by 0.3%
Hodge Lifetime cuts lifetime mortgage rate by 0.3%. 5 September 2012 10:57 am | By Paul Thomas · Email · Share; Comment; Save. Hodge Lifetime is reducing the rate on its lump sum lifetime mortgage by 0.3 per cent, from 6.13 per cent to 5.83 per cent, ...

Petrol Perk for Car Loan Customers
HALIFAX, UNITED KINGDOM, Sep 05, 2012 (MARKETWIRE via COMTEX) -- Halifax has today announced that customers who take out personal loan to buy a car will receive GBP 100 towards the cost of petrol. Provided on a pre-paid fuel card, the offer will ...

Ten terrible money tips
The best of the web on money, markets and all things financial, as chosen daily by Globe and Mail personal finance columnist Rob Carrick. Ten terrible money tips. A list of things you should never do, including draining your retirements savings to pay ...

DGAP-UK-Regulatory: Sberbank: Sberbank and Cetelem (BNP Paribas Group ...
DGAP-UK-Regulatory: Sberbank: Sberbank and Cetelem (BNP Paribas Group ...

Invest in a Limited Liability Corporation?
Read more Dr. Don columns for additional personal finance advice. Bankrate's content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions. The content is broad in scope and ...

It's Status Quo With the BoC
... Mortgage Conundrum · > Smith Manouevre · > The Incredibly Shrinking Variable Discount · > Neglect Not Thy Cost of Borrowing · > 5- or 10-year Mortgage? > Beacon Score Basics · > Smith Manoeuvre Maintenance · > Getting the Best Mortgage Rate ...

Personal loan offers lowest rate
Derbyshire Building Society has cut its personal loan rate to 5.8% APR, the lowest rate the Nationwide Group has ever offered. The society merged with Nationwide four years ago, when it turned to the giant mutual for shelter from financial difficulties ...



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