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Articles from Thomas Phillipson | Selfgrowth.com
- How Choosing the Right Card Could Help You Make It Through Christmas - by Submitted on Jan 09, 2012 from Thomas PhillipsonBritons are struggling to cope with the rising cost of living, and thus are continuing to accumulate the highest levels of debt seen since that seen at the height of the recession, back in 2009. Official figures have revealed that households across the country have collectively amassed a ...
Views: 708 - Older consumers more likely to have credit cards - by Submitted on Sep 02, 2011 from Thomas PhillipsonOver-45s are most likely to own more than one credit card, according to new research from KPMG.A new study has indicated that older consumers are most likely to have more than one credit card, while their younger counterparts are somewhat more cautious when it comes to splashing the ...
Views: 666 - Britons should focus on debt rather than saving - by Submitted on Sep 02, 2011 from Thomas PhillipsonConsumers should prioritise paying off debts at present, it has been said.Britons should be more concerned with paying off debts they have accrued on finance options such as credit cards and personal loans than storing cash in savings accounts at present.That is the opinion of Justin Modray of ...
Views: 646 - Savings account news: Aussie interest rate to be frozen - by Submitted on Sep 02, 2011 from Thomas PhillipsonAustralia's interest rate looks set to remain at 4.75 per cent in the short term.Consumers with a Student Accounts in Australia will be interested to learn that it looks like the national interest rate will be frozen in the immediate future.The Reserve Bank of Australia (RBA) today (August 16th) ...
Views: 635 - Choosing Student Accounts - by Submitted on Aug 26, 2011 from Thomas PhillipsonWith the cost of University taking a steep rise, students need to be even more savvy with their finances to avoid getting into more debt. According to Which4U, the average course fees will cost around £8,000 per year, causing students to rack up debts of £24,000 based on a 3 year course and ...
Views: 698 - Students 'must not assume they are covered by parents' home insurance' - by Submitted on Aug 26, 2011 from Thomas PhillipsonIt is important for students to avoid assuming they are covered by their parents' home insurance policies. Student account holders must not make the mistake of assuming their possessions are covered by their parents' home insurance policies. That is the warning issued by Mike Powell, ...
Views: 677 - AA announce that more people are going abroad without travel insurance - by Submitted on Aug 26, 2011 from Thomas PhillipsonA growing number of Britons are deciding against taking out travel insurance prior to jetting off on their summer holiday, new research has shown. A study conducted by AA has revealed that this week - beginning August 15th - is the most common seven-day period for individuals in the UK to ...
Views: 661 - New home market strengthening after recession says expert - by Submitted on Aug 26, 2011 from Thomas PhillipsonConsumers searching for a competitive home loan such as a tracker mortgage are likely to benefit from the increasing number of new house sales cropping up, an expert believes. According to Steve Lees, director at SmartNewHomes, the higher level of supply in the property sector is an ...
Views: 761 - Mortgage rates 'to remain subdued' - by Submitted on Aug 25, 2011 from Thomas PhillipsonMortgage rates in the UK will remain subdued in the near future, an expert believes. Rates attached to home loans such as tracker mortgages appear set to remain subdued for some considerable time, an expert in the field believes. According to Ben Wilkie, editor at What Mortgage, banks and ...
Views: 762 - Future students 'could take a year out to save' - by Submitted on Aug 25, 2011 from Thomas PhillipsonTaking time out to save ahead of going to university could be a good idea, it has been said. Taking a year out to store cash in a personal finance option such as an ISA before they head off to university may be good idea for prospective student account holders. That is the opinion of a ...
Views: 780 - Britons urged to buy currency online for “fairer deal” - by Submitted on Aug 25, 2011 from Thomas PhillipsonWith uncertain economic times looming once again, it is more important than ever that travellers get a good deal on their currency exchange. Whilst planning a holiday is a daunting task for some, those that are taking the extra time to go online for currency, are making substantial savings on ...
Views: 810 - Savings account news: Families better off than in 2006 - by Submitted on Aug 09, 2011 from Thomas PhillipsonFamilies are in a stronger financial position than five years ago, new research has claimed.New research has indicated that Australian households are in a stronger financial position than they were back in 2006 - prior to the global recession - potentially leaving people with more money to place ...
Views: 617 - City dwellers putting more into savings accounts - by Submitted on Aug 09, 2011 from Thomas PhillipsonHouseholds in Melbourne and Sydney are saving rather than spending, a report has suggested.According to the Savings Blog, which also studies people that are moving to England, families in big cities are choosing to put money away in a savings account rather than spending, with concerns over the ...
Views: 651 - Recession has not prompted many to use savings accounts - by Submitted on Aug 09, 2011 from Thomas PhillipsonMany Britons have not reacted to the recession by saving.The effects of the global economic downturn have not resulted in consumers responding by storing sufficient amounts of cash in savings accounts such as ISAs.That is the opinion of Jasmine Birtles, founder of online resource Money Magpie, ...
Views: 618 - Consumers must take their time when selecting a current account - by Submitted on Aug 09, 2011 from Thomas PhillipsonPeople should not rush in when selecting a current account, an expert has said.Taking the time to shop around and explore all possible deals is essential for consumers when they are searching for an attractive current account, an expert has said.Following the global economic downturn, the ...
Views: 590 - RBA holds base rate - by Submitted on Aug 09, 2011 from Thomas PhillipsonThe RBA has kept interest rates at 4.75 per cent, citing increased concern about the strength of the global economic recovery.According to the Credit Card Blog, the Reserve Bank of Australia (RBA) has announced that interest rates will be kept at 4.75 per cent for at least another month, amid ...
Views: 881 - Expert welcomes governments new car insurance ruling - by Submitted on Jul 25, 2011 from Thomas PhillipsonDrivers have been reminded of upcoming changes to car insurance laws. Motorists across the UK have been issued a reminder about forthcoming changes to the country's car insurance laws. As of June 20th, it was made illegal for people to keep a vehicle not covered by car insurance, which ...
Views: 767 - AA official welcomes car insurance fraud taskforce - by Submitted on Jul 25, 2011 from Thomas PhillipsonA new car insurance fraud taskforce will benefit Britons, it has been said. Car insurance holders will benefit from the establishment of a new specialist taskforce that has been created to reduce instances of fraud in the UK. That is according to Simon Douglas, insurance director at the ...
Views: 780 - Britons lying to get cheaper car insurance - by Submitted on Jul 25, 2011 from Thomas PhillipsonMany people are lying in order to drive car insurance premiums down, an expert believes. Eagerness to ensure they get the best possible price is leading Britons to be economical with the truth on applications for car insurance, an expert has suggested. According to Andrew Hagger of online ...
Views: 1225 - Lower income families 'need more incentive to use savings accounts' - by Submitted on Jun 07, 2011 from Thomas PhillipsonPeople need to be given greater incentive to use savings accounts, it has been suggested.A greater culture of encouraging the use of savings accounts such as ISAs is required among Britons, particularly those on lower salaries.That is according to Mark Bower, managing director at online resource ...
Views: 600 - People Advised to use savings accounts to store cash for mortgage deposits - by Submitted on Jun 07, 2011 from Thomas PhillipsonPeople saving up for a deposit on a house should use a cash ISA, it has been claimed.Britons looking to set aside sufficient funds to afford a deposit on a mortgage should consider the possibility of using a cash ISA in order to store funds for this goal.That is the view of Justin Modray of ...
Views: 604 - Recession 'has caused more people to use savings accounts' - by Submitted on Jun 07, 2011 from Thomas PhillipsonSaving has become more common in the wake of the recession, an expert has said.The ongoing effects of the global economic downturn have put the need to place cash in savings accounts such as ISAs or fixed rate bonds into sharper focus for many Britons, an expert in the industry ...
Views: 620 - Nationwide offers new savings accounts - by Submitted on Jun 07, 2011 from Thomas PhillipsonA lender has revamped its range of savings accounts.Anyone searching for attractive deals on savings accounts such as ISAs or fixed rate bonds may be interested in a range of new offers from one financier.As of last Thursday (May 12th), Nationwide improved the rates attached to all such products ...
Views: 651 - Separate current accounts 'make sense for tax reasons' - by Submitted on Jun 07, 2011 from Thomas PhillipsonCouples should bank separately for tax reasons, it has been said.Maintaining separate current accounts is sensible for couples who are married or cohabit due to tax reasons, a specialist believes.Some people may decide it is a good idea to operate a joint account with their spouse in order to ...
Views: 584 - Research: Savings accounts being neglected - by Submitted on Jun 07, 2011 from Thomas PhillipsonMany people are not saving enough money, it has been found.A large proportion of Britons do not feel financially secure due to the level of debt they have accrued on credit cards or personal loans, new research has suggested.According to a study conducted by Scottish Widows, which released its ...
Views: 636 - Consumers 'should set goals on savings accounts' - by Submitted on May 08, 2011 from Thomas PhillipsonBritons have been advised to set goals on the amount they want to save.Whether you're looking to put some money aside for a holiday; new car or to pay foryour childrenchoosing the right savings scheme willplay an important part, so it's essential yu choose the best option foryou.Setting specific ...
Views: 625 - Britons 'becoming more enthusiastic about saving' - by Submitted on May 08, 2011 from Thomas PhillipsonMore people are eager to store cash in savings accounts, it has been said.A growing number of Britons are becoming more eager to store cash in savings accounts such as fixed rate bonds and ISAs in the aftermath of the global economic downturn.That is according to Jasmine Birtles, founder of ...
Views: 568 - State pension 'is insufficient to provide for everyone' - by Submitted on May 08, 2011 from Thomas PhillipsonPeople approaching retirement age may wish to look into taking out savings accounts, it has been suggested.It could be essential for older people to take the time to compare savings on products such as ISAs and fixed rate bonds prior to giving up work due to issues with the state pension in ...
Views: 805 - Expert: Business banking tough to access - by Submitted on May 08, 2011 from Thomas PhillipsonBusiness banking options may be tough to access in the coming year, it has been said.Smaller companies hoping to compare savings accounts on the best business accounts available to them in the near future may find it tough to access the finance they want, an expert in the industry has ...
Views: 604 - Commonwealth Bank account holders unable to access money from ATMs - by Submitted on May 08, 2011 from Thomas PhillipsonAn Australian bank has suffered problems with its ATMs this week.Commonwealth Bank customers were affected by an unusual problem yesterday (April 18th 2011), as a number of ATMs across Australia broke down.The incident meant some of those with bank accounts and savings accounts with the ...
Views: 716 - Weak consumer borrowing 'is a key concern for Australia' - by Submitted on May 08, 2011 from Thomas PhillipsonConsumer borrowing is a cause for concern, it has been claimed.Weak consumer borrowing, which could include home loans and Aussie credit cards, is one of the key concerns facing the Australian economy, according to one expert.Savanth Sebastian, an economist at CommSec, said that lending finance ...
Views: 685 - Parents advised to start saving for children sooner rather than later - by Submitted on Mar 25, 2011 from Thomas PhillipsonParents should try to save as early as possible for their children, it has been suggested.Placing cash into savings accounts such as ISAs or fixed rate bonds in important for households on a wide range of different income scales in the wake of the global economic downturn.That is the view of ...
Views: 617 - Expert: It is never too late to save for retirement - by Submitted on Mar 25, 2011 from Thomas PhillipsonOlder workers have been told it is never too late for them to save for their retirement.Older workers approaching retirement age have been advised that it is never too late for them to add funds into savings accounts such as ISAs or fixed rate bonds to provide them with money after they finish ...
Views: 909 - Best ISA rates 'are seeing improvements' - by Submitted on Mar 25, 2011 from Thomas PhillipsonBanks are to make improvements to their best ISA rates in the coming weeks, according to a new report.UK consumers on the lookout for the best ISA rates on the market are finding that a growing number of attractive offers are emerging.A new report from the Financial Times has observed a ...
Views: 765 - Young people 'need encouragement to save' - by Submitted on Mar 25, 2011 from Thomas PhillipsonYounger people require encouragement to put cash aside for their future, it has been said.Younger members of British society need to be given encouragement to compare savings and then actively use products such as cash ISAs and bonds, an expert has suggested.According to Jason Riddle, co-founder ...
Views: 619 - Debit and credit card spend 'up by 0.5%' - by Submitted on Mar 25, 2011 from Thomas PhillipsonThe BSI rose by 0.5 per cent in January.Debit and credit card spend increased by 0.5 per cent in January, seasonally adjusted figures have revealed.According to the Commonwealth Bank (CBA) Business Sales Indicator (BSI) - which tracks the value of debit and Aussie credit card spent at the ...
Views: 624 - RBA opts to leave interest rate unchanged at 4.75% - by Submitted on Mar 25, 2011 from Thomas PhillipsonIt has not increased the base rate since November.The Reserve Bank of Australia (RBA) has today (March 1st) opted to keep the interest rate at its 4.75 per cent level.This news may please homeowners with a mortgage, particularly after the last time the RBA upped the base rate - in November - saw ...
Views: 618 - Term deposits 'are the way to go to lock in interest rate' - by Submitted on Mar 25, 2011 from Thomas PhillipsonThose who take out term deposits should be aware they will not be able to access their funds for a certain length of time.People who are keen to save some money might like to take out term deposits, as they are the products to have for those keen to lock in the interest rate.This is according to ...
Views: 586 - Switching from spending to saving 'will take time' - by Submitted on Mar 08, 2011 from Thomas PhillipsonAn expert has spoken about switching to saving from spending.Switching from a trend of borrowing on items such as credit cards to facilitating savings accounts like ISAs or fixed rate bonds will not be an overnight process for people in the UK.That is according to Mark Bower, managing director ...
Views: 569 - Christian aid 'can help those with credit card debt' - by Submitted on Feb 27, 2011 from Thomas PhillipsonMore than 100 churches have trained members to help people in financial difficulty.Those with credit card debt after the festive period might be in line to benefit from a form of Christian aid that is coming to people's rescue.The charity Christians Against Poverty (CAP) has set up a free ...
Views: 852 - How to get your credit card debt under control - by Submitted on Feb 27, 2011 from Thomas PhillipsonMore Australians appear to be paying off their minimum credit card debt each month, if one survey is anything to go by.People who are suffering from credit card debt might like to take heed of advice from one writer.In a piece for the Herald Sun, Karina Barrymore pointed out those who do not get ...
Views: 848 - Money in a savings account now 'can double or triple in value for the future' - by Submitted on Mar 08, 2011 from Thomas PhillipsonIt is a process called "delayed gratification" by one industry expert.Those who put money into savings accounts now will be glad they did in the future as it can double or triple in value, one industry expert has pointed out.Bruce Brammall, a licensed financial adviser, stated putting ...
Views: 605 - Choose a high interest savings account 'to boost funds' - by Submitted on Mar 08, 2011 from Thomas PhillipsonPeople will earn more interest than an everyday bank account, it has been noted.People should be boosting the money they are putting away by choosing savings accounts with high interest rate.This is according to National Australia Bank retail state general manager Dion Crowe, who stated this ...
Views: 607 - Consumers 'must prioritise essentials such as gas and electric bills' - by Submitted on Feb 15, 2011 from Thomas PhillipsonEssential bills must be paid off, an expert has said.Essential bills such as those for gas and electricity supplies are being put lower on the list of priorities by households feeling the strain on their current account balance because of debts accrued on personal finance options such as credit ...
Views: 678 - Bad weather 'not having an ongoing effect on housing market' - by Submitted on Feb 15, 2011 from Thomas PhillipsonThe housing market will not suffer due to the icy weather, an expert has said.Anyone seeking a home loan deal such as a tracker mortgage was unlikely to have witnessed the housing market being overly affected by the spell of icy weather that enveloped much of the UK over December 2010.The ...
Views: 1051 - RBA keeps interest rate at 4.75% for February - by Submitted on Feb 15, 2011 from Thomas PhillipsonThe floods in Queensland are one reason for RBA's decision, it has revealed.The Reserve Bank of Australia (RBA) has opted to maintain the interest rate at 4.75 per cent for February.This news should be welcomed by homeowners across Australia and particularly those experiencing difficulty due to ...
Views: 612 - Credit cards 'would usually be chosen over store cards' - by Submitted on Feb 15, 2011 from Thomas PhillipsonInterest rate tends to be lower on credit cards than store cards, it has been stated.When weighing up the advantages of both the credit card and the store card pound for pound, the former would usually be chosen ahead of the latter.This is according to Mark Bouris, executive chairman of wealth ...
Views: 610(1 vote) - Research: Older people using savings accounts for grandchildren - by Submitted on Feb 15, 2011 from Thomas PhillipsonMany grandparents are storing away cash for their grandchildren, it has been revealed.New research has shown that many older people in the UK are putting money in savings accounts such as ISAs or fixed rate bonds for their grandchildren.According to a study conducted by the Cheltenham & ...
Views: 697 - Leeds Building Society adds to fixed bonds range - by Submitted on Feb 15, 2011 from Thomas PhillipsonA lender has launched a new fixed bonds package.People looking for a competitive fixed rate bonds savings accounts package may be interested in a new deal being offered by one financier.In news which may also be of note to anybody who already has Leeds Building Society fixed rate bonds, the ...
Views: 705 - Nationwide launches new deals on ISAs - by Submitted on Feb 15, 2011 from Thomas PhillipsonNationwide has launched new bonus rates for its e-ISA and Champion ISA accounts.Nationwide has introduced new bonus rates on two of its ISA accounts in order to make the offers more competitive.The building society's e-ISA overall rate will rise to a market-leading 2.90 per cent per annum ...
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