The Office of Fair Trading is considering its options in relation to pursuing UK banks over bank charges it regards as unfair, and has expressed the intention to reveal its next move during December. This follows a Supreme Court ruling on 25 November which found that the Office of Fair Trading did not have power to [...]
Posts Tagged ‘Personal Finance’
Down, but not out: what next for the OFT and bank charges?
Friday, November 27th, 2009Increase in online scams as Christmas approaches
Thursday, November 26th, 2009The Christmas season is ‘rush hour’ for internet shopping, but internet fraudsters are cashing in with some brand new online scams.
This year’s latest innovations include ‘copycat’ websites that seek to imitate the online stores of some of the largest retail chains. There are currently at least 10 bogus ‘Littlewoods’ websites, and several fake websites operating from China that resemble the online shop of UK clothing retailer Abercrombie & Fitch.
Teaching children savings and money: 10 top tips
Tuesday, November 24th, 2009How often at this time of year do we hear a weary parent tell their child: ‘money doesn’t grow on trees’? Here are our top nuggets of wisdom to help them manage their children’s savings and ‘personal finances’. Teach kids to budget: If your child is receiving a weekly sum as pocket money, insist that [...]
Quarter of people in need of debt management advice
Monday, November 23rd, 2009Almost a quarter of UK adults (24%) need debt management advice, due to hidden debt that has not been revealed to their partner, friends and family, according to a new report by AXA*. The average level of debt for those affected is £4096.32, spread over bank overdrafts, credit cards, store cards and loans. The age grouping [...]
Cost of credit cards to rise, availability to fall
Thursday, November 19th, 2009Credit card companies are labouring under a deluge of bad debt, as cash-strapped consumers find themselves unable to make the repayments on their credit cards. As a result, access to a credit card will be harder to get, borrowing rates will spiral, and monthly credit card fees could become standard, as credit card companies look [...]
No credit where credit’s due: Pre-paid finance just got cheaper
Wednesday, November 11th, 2009Internet shopping no longer has to stretch your credit card. There are now a range of prepaid alternatives to credit cards, that allow you to buy that games console, DVD or handbag, but without using credit to do so! In addition to high street and online shopping, prepaid cards can be used for sending money to [...]
Revenue offers tax back on pensioners’ savings
Wednesday, November 11th, 2009Thousands of pensioners who have overpaid tax on their savings and investments are entitled to reclaim overpayments, and have their interest paid gross in the future, according to an announcement this week by the Revenue (HMRC). Non-taxpayers, including the vast majority of pensioners receiving Pension Credit, are currently taxed on interest in their bank or building [...]
Stategic rethink may mean increased bank charges
Tuesday, November 3rd, 2009Banks are currently rethinking their strategy on current accounts, as part of a larger plan to seek new revenue streams in the current difficult climate. Â This may mean an end to free banking services, and in particular free current accounts, as charges are stepped up to anticipate the possible loss of other revenue sources currently [...]
Teach your kids personal finance? Warren Buffett will do it!
Thursday, August 6th, 2009Billionaire investment legend Warren Buffett is to teach personal finance and savings to children in a new animated cartoon series. ‘The Secret Millionaire’s Club’ will run as a series of 3-5 minute ‘webisodes’ on the internet website AOL.
Copper-bottomed and above board – financial terms from the sea!
Monday, July 27th, 2009One particularly rich source for the words we use is the world of the seafarer. No surprise, then, that so many maritime expressions have drifted ashore in the world of personal finance! Here, to salt your lips, are just a few. ‘Copper-bottomed investment’: in 1761, The Royal Navy began plating the hulls of its vessels with copper [...]
About Us
Annuities
Blogroll
Financial Planning
- Avoiding Inheritance Tax
- Capital Gains Tax Allowance
- Chartered Financial Planners
- Corporate Financial Advice
- Debt Management
- Discounted Gift Trust
- Endowments
- Family Financial Planning
- Find an IFA
- IHT Exemptions
- Inheritance Tax Advice
- Inheritance Tax Calculator
- Inheritance Tax Gifts
- Inheritance Tax Nil Rate Band
- Inheritance Tax Rates
- Inheritance Tax Threshold
- Key Man Insurance
- Online Financial Advice
- Online Investment Advice
- Potentially Exempt Transfers
- Remote Financial Advice Service
- Unbiased Financial Advice
- What is Financial Planning?
- Will Writing Advice
- Writing Your Life Insurance in Trust
Investments
- Allianz RCM Global Eco Trends Fund
- Dark Green Investment Funds
- EIS – Enterprise Investment Scheme
- Ethical Investment Advice
- Ethical Investment Companies
- Ethical Investment Criteria
- Ethical Investment Funds
- Ethical Investment Portfolio
- Ethical Investments
- Ethical ISA Investments
- Ethical Pensions
- Fixed Interest Bonds
- Funds Investments
- Guaranteed Bonds
- Guaranteed Income Bonds
- Guaranteed Investments
- IM WHEB Sustainability Fund
- Income Bonds
- Investment Adviser
- Investment Companies
- Investment ISAs
- Investment Planning
- Light Green Investment Funds
- Managed Investments
- Medium Green Investment Funds
- Mutual Funds Investments
- Octopus VCT
- Our Investment Portfolios
- Quadris Environmental Fund
- Socially Responsible Investments
- Trust Investments
- Unit Trust Investments
- Unit Trusts & OEICs
- Venture Capital Trusts
Mortgages
oneplan
Pensions
- AVC – Additional Voluntary Contributions
- Best Pension
- Best Performing Pension
- Cashing in Pensions
- Children's Pensions
- Early Retirement Options
- Ethical Pensions
- Financial Advice on Pensions
- NHS Pension Calculator
- Pension Advice Process
- Pension Calculator
- Pension Companies
- Pension Contributions
- Pension Forecast
- Pension Lump Sums
- Pension Performance
- Pension Plan Calculator
- Pension Review
- Pension Services
- Pension Tax
- Pension Tax Relief
- Pension Transfer
- Pension Types
- Retirement Age
- Retirement Calculator
- Retirement Pension Forecast
- What is a Pension Plan?
- What is a Pension?
Personal Insurance
- Best Critical Illness Cover
- Best Life Insurance
- Calculate Your Life Cover
- Children's Critical Illness Insurance
- Critical Illness Calculator
- Critical Illness Insurance Providers
- Critical Illness Insurance Quote
- Joint Critical Illness Cover
- Life Insurance Advice
- Life Insurance Calculator
- Life Insurance Guide
- Life Insurance Quotes
- Writing Your Life Insurance in Trust
Savings
- Best ISAs
- Best Savings Accounts
- Best Savings Accounts for Children
- Best Savings Rates
- Cash ISAs
- Child Trust Fund Savings Accounts
- Child Trust Fund Share-Based Accounts
- Child Trust Fund Stakeholder Accounts
- Children's Bonus Bonds
- Ethical ISA Investments
- ISA Allowance
- ISA Calculator
- Monthly Savings
- Saving for your children
- Savings plan for a new car
- Savings plan for getting married
- Savings plan for mortgage deposit
- Savings plan for my house renovations
- Tax Efficient Savings
- Tax Free Allowance
- Tax Free ISA
- Tax Free Savings
Sustainovation
- Allianz RCM Global Eco Trends Fund
- Dark Green Investment Funds
- Economic Experts
- Environmental Experts
- Ethical Investment Advice
- Ethical Investment Companies
- Ethical Investment Criteria
- Ethical Investment Funds
- Ethical Investment Portfolio
- Ethical Investments
- Ethical ISA Investments
- Ethical Pensions
- IM WHEB Sustainability Fund
- Light Green Investment Funds
- Medium Green Investment Funds
- Quadris Environmental Fund
- Social Experts
- Socially Responsible Investments
Got a question? Ask us online
0800 678 5929
7 Racecourse Road,
Derry,
Northern Ireland
United Kingdom
BT48 7RB
Email: info@principlefirst.co.uk
Principle First Financial Services is a trading style of GMF Marketing Services Ltd. which is authorised and regulated by the Financial Services Authority. Principle First Financial Services is entered on the Financial Services Authority's register under reference number 409667.