Personal Finance

Personal Finance

New rules on interest rates aim to help savers

Today sees new rules take effect that will force banks to provide clearer information on interest rates for savers.

Financial
Housebuilder Taylor Wimpey, in common with similar companies, has seen its share price fall around 20 per cent since the EU referendum. Picture: Rui Vieira/PA Wire

Swimming against the tide might pay real dividends, says Motley Fool

2016 has been the most eventful year for British investors since the financial crisis.

Personal Finance 1
Dont get a headache about the increasing cost of car insurance. Get locked into a new policy now and you effectively future proof  against rising premiums. Picture: Getty/iStockphoto

Don’t miss out on the wheel deals

The cost of car insurance is rising but switch now and you could be surprised at the savings to be made, says Martin Lewis

Personal Finance
The Work and Pensions Select Committee is urging politicans to seek consensus on a new basis for state pension increases. Picture: Esme Allen

Politics key to ending the triple deadlock

The state pension safeguard is likley to remain in place for some time, says Jeff Salway

Personal Finance 1
How to make your pension go further

How to make your pension go further

Unsure about how to access your pension savings, or looking for a fixed, guaranteed pension income for life? We look at the options.

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Hazel Gough says the Scottish Government's tax plans could harm the economy. Picture: Steven Scott Taylor

Hazel Gough: Scotland facing taxing times

The Autumn Statement later this month will mark the first opportunity for Chancellor Philip Hammond to set out how he intends to manage the potential economic implications of Brexit.

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Many investors wish to use their money in a way that suppports companies making a positive contribution to the environment. Picture: Getty

Jeff Salway: Does it pay dividends to be an ethics man?

Sticking to your principles can be far from easy, says Jeff Salway

Opinion
Balmoral founder Stuart MacDonald with Debra Tracy of Direct Partners and the wealth manager's new recruits. Picture: Contributed

Balmoral bringing young blood into financial planning

The managing director of Balmoral Asset Management has vowed to keep bringing fresh talent into financial planning as the industry comes to terms with a drive to raise professional standards.

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Crowdfunding is becoming an increasingly popular way to finance new, sometimes riskier, ventures. Picture: Digital Vision

The wisdom of the crowdfunding Isas

Risky option could look attractive in current climate, says Jeff Salway

Opinion
Making the sums add up will get harder as wages and benefits become worth less. Photograph: Hemera/Getty

Inflation: how to cope with the big squeeze

Household budgets will be squeezed over the coming months as the weak pound drives up the cost of imports and energy bills begin to rise again.

Personal Finance
Bank of Scotland is among the banks that do not use two-factor logins, Which? found.

Major high street banks failing customers with online security

Major high street banks have failed to adopt two-factor security steps that could safeguard customers from scams, an investigation has revealed – with Bank of Scotland one of the worst offenders.

Financial
Would-be buyers browsing in Edinburgh face the problem that average house prices are 7.6 times average earnings. Picture: Jane Barlow

Harder than ever to get a foothold on the ladder

Jeff Salway: Even relatively affluent buyers are being priced out

Opinion
The average Scot has three weeks' wages in savings, well below the three months' worth recommended by financial experts. Picture: Phil Wilkinson

Scots lagging behind rest of UK in savings stakes

People in Scotland are among the worst in the UK when it comes to squirrelling away money for a rainy day, according to a new survey.

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The falling pound helped drive the FTSE 100 close to a record high on the day the pound fell to its lowest level against the US dollar since 1985. Picture: Niklas Halle/AFP/Getty Images

Cash savers take a ‘hard Brexit’ pounding

There will be winners and losers as sterling tumbles, says Jeff Salway

Personal Finance
Bank of Scotland said the new polymer notes were cleaner, greener and stronger than paper ones. Picture: Lloyds Banking Group/PA Wire

Bank of Scotland launches ‘cleaner, greener’ plastic fivers

A new, more durable £5 note is entering circulation across Scotland today.

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It can be difficult to shop around for the best deals without internet access

Internet access is key to tackling poverty

Digital exclusion and deprivation go hand in hand, says Jeff Salway

Personal Finance
Andrew Tyrie said: 'We can't carry on like this.' Picture: Contributed

Bank IT systems leaving customers ‘exposed’, MP warns

Bank customers are still being left “exposed” after a series of IT failures at Britain’s biggest lenders, a senior MP has warned.

Financial 2
You have no legal right to get your money back from your bank if youve been tricked into transferring money to a fraudster. Picture: Getty

Banks feel heat over fraud protection

Customers are paying price for big-money scams, says Jeff Salway

Opinion
Kirkwall, Orkney, where islanders are experiencing the largest rise in disposable income in Scotland. PIC pixabay.com

Orkney enjoys highest rise in disposable income in Scotland

Residents in Orkney have enjoyed a greater increase in disposable income than anywhere else in Scotland.

Personal Finance 5
The FCA said CFO Lending has addressed its 'previous mistakes'. Picture: Contributed

Payday lender to stump up £34m of customer redress

Payday lender CFO Lending is to pay out more than £34 million of redress to more than 97,000 customers for unfair practices.

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