Joe Kenny's Articles in Finance

  • Get Interest Free Cash With 0% Balance Transfers
    If you have a great credit rating and no debt, then you could be in line to make some money. And you can do it using the tools that credit card tarts have been using for years.
  • Changing Jobs? What about that 401(k)?
    So you’ve accepted a lucrative position at another company within your industry. Perhaps you’re in the middle of a career change. Your 401(k) is probably your most important investment in regards to retirement savings. Don’t let it get lost in the shuffle when a change in your professional life comes along.
  • The Anatomy of a Check
    As you sit at your coffee table each month, writing check after to check to pay off various bills, do you ever stop to think why a check looks the way it does? What are all those numbers for?
  • Retirement Planning for Recent College Grads
    So you’ve survived college. You head out into the working world with your fresh diploma in hand and land a plum job making more money than you could’ve ever imagined. Your first instinct is to go get that big screen TV or plush ride that you’ve been eyeballing for the past year. After all, why not?
  • Erase that Debt from College
    You’ve spent the last four-plus years with your nose to the academic grindstone. Graduation day is finally here; time to look back on what you’ve accomplished through your college years, and look ahead to a successful career and a happy life.
  • Invest Now: Advice for Beginners
    You have all your friends over for the big game, and while their gazes are fixed to the vivid colors and much-too-clear close-ups of sweaty 300-pound linemen, the only thing you can focus in on is a serious case of buyer’s remorse.
  • Home Ownership: Benefits vs. Risks
    Sure, it’s tough to pull the trigger and buy a home, especially as a first-time buyer. The big hit of covering both a down payment and closing costs is enough to scare any prospective buyer into staying a renter.
  • Health Insurance for the Recent College Graduate
    As you graduate college and head into the great, big, scary world, there are probably a lot of things on your mind. First and foremost is finding a good job, then finding a place to live, and then maybe figuring out how to pay back those student loans.
  • Keeping Away from the Joneses: Avoiding the “Affluenza” Epidemic
    So you’re out mowing your lawn one day. You happen to glance up from your beat-up old mower across the street, where your neighbor is pulling into his driveway in a brand new luxury sedan while a team of hired gardeners carefully manicure his lush green yard.
  • It’s Not Me! Preventing and Dealing With Identity Theft
    It’s one of the fastest growing crimes in the country, and most victims are unaware they’ve become a target until long after the crime is committed. We’re talking about identity theft. In today’s world, information travels faster than ever, and that includes your personal information.
  • The Bond Market and How You Can Benefit
    In the investment world, there are two words we hear more than any others—stocks and bonds. While each can offer their own advantages and disadvantages, both should be included in your portfolio. As a general rule, stocks have outperformed bonds since 1926; returning 10.4 percent against government bonds’ 5.4 percent showing. However, when stocks go bad—and they will—bonds will always be there for you.
  • Planning an Emergency Fund
    You’re probably familiar with Murphy’s Law: “Whatever can go wrong, will go wrong.” It rears its ugly head when we least expect it. That’s probably why it’s called a law, not a theory.
  • Got To Get Away: Stretch Your Vacation Dollars
    With the dollar receiving an old fashioned beating from the euro right now, vacations to popular European destinations like England, France and Spain have become quite pricey. Not to fret though, with a little planning, you can still enjoy your European vacation without breaking the bank.
  • College Grad Health Insurance
    As you graduate college and head into the great, big, scary world, there are probably a lot of things on your mind. First and foremost is finding a good job, then finding a place to live, and then maybe figuring out how to pay back those student loans.
  • College Grads - Wave Goodbye To Credit Card Debt
    As you leave college life behind, you’re probably carrying a lot more around with you than just a shiny new diploma. If you’re like most college grads, you’re carrying the burden of credit card debt—lots of it. In fact, the average college graduate leaves school with over $2,000 in credit card debt.
  • College Grads - Maximize Your Benefits
    So you’ve graduated from college. Congratulations, that’s no small feat. Now it’s time to roll out the resume and dive headfirst into the job market. Chances are you’ll endure your share of interviews and meet a few nice and not-so-nice people along the way before you get that first job offer.
  • Typical Mistakes People Make Concerning Their Finances And How To Avoid Them
    In our day of easy access to credit cards, loans, and so many things that you must have, it is almost no wonder that so many are getting themselves into financial trouble. Everywhere we turn we face some ad that tells us we cannot live happy unless we have such and such a product.
  • Tips On How To Cut Your Monthly Expenditures
    Money can certainly be tight for many of us, and most of us could use a few tips on how to cut down our monthly bills. While not all tips will ever work for anyone, a number of these can be used by most - that means that there should be something here you can use. Here are a few ideas on how to cut down on your monthly expenses.
  • Meeting Your Family's Health Needs With An HSA
    Making sure that your family is able to stay healthy partly depends on having a good health insurance program for them. One of the more recent new additions to the health insurance industry is called the Health Savings Account (HSA).
  • Life Insurance - How Much Do I Need?
    Insurance is the means that an individual or a family can use in order to help them prepare against the emergencies of life. Life insurance is the form of this preparation that helps in the worst emergency – the death of a loved one.
  • Investing In Foreign Currencies - The FOREX
    Building a diversified portfolio gives you a lot more stability with your investments and enables you to keep on the profit side of things more easily.
  • How To Make A Well-Balanced Investment Portfolio
    Getting a good investment portfolio is something that everyone needs who does any kind of investing. Having a good spread of investments is also a good idea, in the event that one area of investments takes a loss.
  • Seven Important Things To Teach Your Children About Finances
    Starting your children off with a right view of finances is so important these days - especially when debt seems to be a common way of life for so many. Who knows if the young parents of today were ever taught such a vital lesson in life as being able to properly manage their finances.
  • Can You Really Get Rich Quick Through Internet Marketing Schemes?
    You have seen the ads just about everywhere. If you sign up for such and such a program you can make thousands of dollars each week, or month. Perhaps you already have signed up for one of these programs, or, at least get their emails on a regular basis.
  • Is It Possible To Recover Quickly After Declaring Bankruptcy?
    If you have ever had to declare bankruptcy, then you are also wondering if there ever will be a way to recover from having to undergo such a process. Quite possibly, it has already been a couple of years since the declaration, and you currently see no end in sight.
  • Is A Payday Loan Really A Good Deal?
    All of us have had those times when could simply use another couple of hundred dollars to get us by until the next paycheck. Financial tight spots can come unexpectedly. One way that might help you to cover those sudden needs or want of extra cash is by getting a payday cash loan.
  • What Is The Cost Of Declaring Bankruptcy And Are There Any Other Options?
    A lot of people are running into financial difficulty these days - especially with a lot of major corporations going through layoffs and buyouts. What this means is that a lot of people find themselves suddenly unemployed and it may take some time to get another good paying job.
  • How To Avoid Mistakes When Investing In Shares
    The promise of making a lot of money has been heard by many, and many have found out that it just is not as easy as they had heard. They lost money - sometimes a lot of it. They then turned away from the stock market and ended up totally disillusioned about it.
  • Making the Most of Timeshares
    Timeshares can help you buy a vacation spot comparatively cheaply and easily. They help you to acquire an asset in the form of real estate. This industry originated in Europe in the 1960s and today generates nine billion dollars annually. Timeshares amount to approximately one third of what any hotel charges for a week.
  • Auto Loan - Funding The Car You Always Wanted
    Buying a car is no longer as being a luxury, but as a necessity today. Even so, owning one is still beyond the reach of the average person. An auto loan is the answer to overcome this monetary hurdle.
  • Coping With Identity Theft
    Lock your doors, hide your money in the safe, hire security guards to protect your prized possessions, but what can you do if someone stole your identity? If something valuable is stolen, you can call the police and hope to get your stolen property back.
  • Bonds - Investing in Bonds for a secured future
    There may have been more than one occasion when you might have had to borrow money from a friend: at the coffee shop, in the office, or even for the cab service. When you run out of money, borrowing is usually your only way out.
  • Payday Loans - Bridge Your Cash Needs Between Paydays
    A fast and sure way to take care of emergency cash needs is to avail of a payday loan. A payday loan may also be referred to as post-dated check loan, or deferred deposit check loan. In the United States, the Federal Trade Commission calls it costly cash.
  • Credit Card Interest Charges - How They Are Determined
    ‘He who pays wrong, pays twice’ is a famous saying amongst lawyers. Relating this to credit cards drives home its meaning even more. After your card-swiping shopping spree, it is payback time for all credit card users. However, if the rates are not calculated properly, one may end up paying the wrong amount.
  • Long Term Care Policy- Planning for your old age
    The term ‘Senior Citizen’ spells a perfect combination of ultimate wisdom and experience! However, sometimes it also resounds with silent pain, suffering and worry that become their only companions in life. They have enjoyed life’s most cherished moments, as well as witnessed its darkest side.
  • A Closer Look At The Roth 401k
    Roth 401k is a good retirement savings option. Although it does not provide an up-front tax-deduction, the account eventually becomes tax-free, because the withdrawals taken at retirement are not subject to income tax.
  • A Guide to Banking for Students
    A bank serves as a financial institution, providing complex financial services, right from the maintenance of deposits to extending credit. A little guidance and initiative help students to improve their personal credit record.
  • Choosing Between Home Loans and Mortgages
    Home loans and mortgages are asset-acquiring facilities that relieve an individual from making immediate lump sum payments. A home equity loan creates a debt against the borrower’s house. According to this loan, the borrower has equity in his or her home as collateral.
  • Understanding Futures Trading
    The practice of trading commodities is known as futures trading. Experience combined with patience can make such a transaction very lucrative. It involves the trading of tangible items, like silver, gold, oil or even crops. This practice is based on your ability to predict the future price of a commodity.
  • Bank Safely And Securely
    In this age of the Internet, there has been a transformation in the way people bank. Most transactions can be conducted online, and one can access cash fast from innumerable ATMs strewn all over cities and towns.
  • Basic Tips For Getting Out Of Debt
    The implications of debt related issues are serious. It becomes all the more difficult if you are struggling to make two ends meet. Financial difficulty makes it very difficult to choose between paying back a debt and meeting personal requirements, with limited finances at your disposal.
  • Understand Your Insurance Contract
    All insurance contracts are governed by the concept of ‘offer and acceptance’. This requires you to fill the proposal form and send it to the insurance company. Sometimes you are also required to attach a check for the premium amount, with the proposal form.
  • Financing A Lawsuit
    Financing a lawsuit provides monetary help when a person seeks legal remedy in a court of law, and does not have the finances to bear the expenditure.
  • Use Your Credit Card Sensibly
    A credit card is a wise option if you wish to make frequent purchases and keep a track of your expenses. The facilities could even be used to postpone payments on certain articles, thereby earning more interest on your money.
  • The Basics Of Mutual Fund Classes
    In order to get the most out of your returns, without paying a high fee, you need to be aware of the different classes of mutual fund stocks and their advantages and disadvantages.
  • Basics Of Federal Bond Issues
    Most people associate the term ‘investments’ with stocks and mutual funds, but Federal bond issues also constitute a major chunk of the overall investments market. The annual turnover of US Federal Bond issues is many times more than that generated by the collective stock markets.
  • Making Money Through Day Trading Online
    Day trading refers to the buying and selling of financial instruments like currencies, stocks or futures contracts, on the same trading day. This type of stock investment involves a lot of risk. Day traders carry out day trading by purchasing and selling stocks rapidly on the same day.
  • The Secret of Saving Money
    Commitment, along with patience, is very essential if you want to save money in a profitable manner. It is essential to save while you can, to avoid panicking in a sudden emergency. Money saved is a security that only adds to your level of confidence and quality of life.
  • How To Select A Debt Settlement Company
    A debt settlement company works towards negotiating the amount of debt with creditors. These companies devise a monthly savings plan, based on the total amount of debt a borrower has.
  • The Importance of Business Credit Cards
    Business credit cards have become indispensable to the corporate world today. These credit cards eliminate the risks attached with carrying cash and make purchasing easier at crucial times. Business credit cards prove to be a boon to the business management teams in most establishments.

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