You can shed those unsightly Christmas pounds with a minimum of fuss by using a 0% balance transfer credit card.
More than a quarter of all savings accounts now pay less than 1%, with almost one in six paying an insulting 0.3% or lower.
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The economic outlook for 2009 is as bad as it gets. But that doesn’t mean investors are bound to suffer.
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More than two million cash-strapped households are considering taking a “holiday” from their mortgage repayments in a bid to free up cash.
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On Tuesday the US Dow Jones index rallied nearly 400 points when US Federal Reserve chairman, Ben Bernanke, announced that he was cutting US interest rates close to zero.
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Because we had to spend so much more of our income on petrol, domestic energy, food and mortgage repayments, we had less to spend on everything else.
Chris Gilchrist,
Editor
This year will be the toughest since at least the 1990s recession. But for those who keep their jobs, things will get steadily better.
Almost 4.5 million broadband users are hit with unexpected charges that cost them an additional £36 a year.
Banks have slashed savings rates on 150 products by as much as 4% since the start of December.
With unemployment rising at its fastest rate in 17 years, is it time to consider a protection policy?
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Investing
Asked why they are considering purchasing a stock certificate as a gift, half of the respondents cited value for money, while the other half simply liked the idea of giving something unusual.
Staff writer,
Staff writer
One in four Brits are considering giving a stock market certificate as a gift this Christmas, new research has found.
Interest rates are usually an advance signal for the stock market. Falling interest rates are normally good for shares, which suggests that now is the time to lock in high dividend yields.
The emerging economies will keep on growing through the 2009 recession, and their savings will finance the eventual recovery.
Parents must view plummeting share prices as a signal to increase investment in their stakeholder CTF, not withdraw existing funds.
Latest articles from
Property
The number of people in serious arrears is also expected to more than double to 500,000 - around 4.5% of the total housing stock.
Damian Clarkson,
Deputy Editor
As many as 75,000 people could lose their homes next year despite government measures to help those at risk, the Council of Mortgage Lenders has warned.
Nationwide has become the first lender to re-introduce its 95% LTV mortgage range, but has refused to offer it to first time buyers.
The UK is only mid way through the housing slump, with the average home set to lose a further 10 - 15% by end 2009, says Barclays bank head.
Halifax and Nationwide have agreed to remove the clause that prevented mortgage customers benefitting from base rate cuts.
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Share Tips
The clever thing about hedge funds is not that the managers are better investors but that they have a far more rewarding fee structure.
Kewill Ludens,
Editor
One suggestion I have heard as to why Bernard Madoff’s $50bn Ponzi scheme fraud was not spotted earlier is that it is not dissimilar to what every one else was doing.
At first sight, this property investment and management company looks like an example of a stock market gone crazy.
Stock markets don’t rise or fall in a straight line. This creates opportunities for buyers to take advantage of reactions in bull markets.
I think there is a possibility that share prices could fall dramatically in 2009.
