The battle of the bank accounts has heated up with lenders desperate to win over customers amid falling sign-up rates. The growth of digital rivals such as Starling and Mozo has sparked a current account war - and high street lenders have launched a host of perks and benefits to win you back - for a limited time only. Natwest is currently leading the pack with £175 in cash when you open a Reward account - plus you get 2% back on bills. Elsewhere, First Direct is offering £125 in cash - and potentially a £250 interest free overdraft on top. The rewards follow a spate of banking letdowns over the past year led by TSB's IT failures that left 1.9 million without access to their money - and others fearing they'd been hacked. We've run through all of these perks and more top payers, below. For best savings accounts, click here. How do switching rewards work? Various banks and building societies are offering cash rewards to win over your custom - and if the offer is right, they … [Read more...] about Best bank accounts to join for benefits, freebies and cash rewards
3 fee for each balance transfer
MONEY expert Martin Lewis is warning anyone with a credit card to shift their debts now. This is because the best deals are quickly being pulled from the market. Previously you've been able to transfer a balance on a credit card and get up to 43 months interest free, but the lengths are now getting shorter, the founder of consumer website MoneySavingExpert wrote in his weekly newsletter. In fact, the longest 0 per cent balance transfer length has dropped below 30 months for the first time since 2013, and they're likely to keep dropping. "So this is a clarion call to anyone with existing credit or store card debt," Martin wrote. "Do not dilly-dally if you pay interest - sort it now while deals are still reasonable or you may miss the boat (though as we've no crystal ball, there are no certainties)." Balance transfers let you move money from an existing credit card to a new one. Often you'll be charged a fee for making the switch, but you won't pay any interest on that money for a set … [Read more...] about Martin Lewis’ warning to ANYONE with a credit card – shift debt now before top cards are pulled
Kailey Fralick The Motley Fool Published 5:00 AM EDT Mar 20, 2019 At times, rich people seem to inhabit another world, one apart from the financial concerns of the hard-working middle class. Many speculate there's a secret to joining the ranks of the elite, often involving an inheritance from a wealthy relative or a multibillion-dollar idea. But the truth is, it usually comes down to drive and smart financial planning. These aren't exactly secrets, but they're often what separate the wealthy from the wishful thinkers, and they're often overlooked. Here are four of the "secrets" that can help any worker grow their net worth. Working full-time for health coverage?: Many who want part-time jobs are stymied by costs Delaying retirement: Why waiting 3 more years for Social Security benefits will help this 66-year-old 1. Your money should be working for you, not the other way around Conventional wisdom says you must get a job and work hard to build wealth. There's truth in that, … [Read more...] about Investing tips: Secrets to financial planning that could make you rich
Eurostat has reported an increase in couples getting married and, with the average cost of a wedding at €31,000 (see panel), it takes more than dewey-eyed passion to say "I do" these days. Since the economic recovery, our marriage rate has increased from 4.3 per 1,000 to 4.8, but still a way off from the 5.2 rate during the boom. It is well known that a strong economy means more couples getting hitched, but from a financial perspective, does it really matter? This week I'm looking at ways being wed pays ... and times when it doesn't. Can you really put a price on love? Income tax: Revenue wouldn't be known for its beating heart, but in fact working married couples pay less tax than singletons and get better breaks. Because they're allowed to share tax credits and can be jointly assessed, if they have only one income or one of the couple earns in a different tax bracket to the other, the savings can amount to over €3,400 per year. In addition, if one is a … [Read more...] about Your Money: A case of for richer or poorer?
Pago Pago, AMERICAN SAMOA — A draft copy of a proposed Memorandum of Agreement (MOA) between the ASG, the American Samoa Economic Development Authority (ASEDA), and ASTCA was recently received by Samoa News. Although the draft indicates Jan. 31, 2019 as the MOA’s effective date, Samoa News has been unable to confirm to date if it has been signed by the parties involved, particularly if two other agreements mentioned in the document - an ”Extinguishment Agreement" and a “swap agreement” have not already been approved and signed. Samoa News should point out that the MOA would appear to rely on these two agreements being a “done deal” at the time the MOA is signed. The Extinguishment Agreement, if signed, terminates the American Samoa Government Employees Retirement Fund’s (ASGERF) ownership of the AS Hawaiki Cable by accepting the payments ASGERF received from ASEDA, to resolve ASTCA’s obligations to the Retirement Fund. … [Read more...] about Draft MOA concerning Hawaiki Cable debt raises many questions