Joe Kenny's Articles in Finance

  • When Should You Consider Refinancing Your Home?
    Refinancing a mortgage will come up sooner or later in your mind - if you are buying a home. You hear about deals that your friends got, and you wonder if you could do the same. The truth is that it is more than possible - but it is not for everyone.
  • What Kind Of Credit Cards Are There And Which One Should I Get?
    Recent years have seen a real increase in the type of credit cards available. So much so, that now you really have to look and see what is available, and it can actually be a little hard to choose between them.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • Tips And Techniques To Successful Investing
    The main objective of any investment is to make money and gain from a profit. Experienced investors usually study market trends before investing. However, inexperienced investors depend on the advice from financial advisors and brokers to guide their investments.
  • Things To Consider Before Selecting An Online Broker
    Today, most of the stock transactions are being conducted online. It has become very important to select a good online broker, based on specific investment needs and preferences.
  • 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.
  • The Secret of Home Budgeting
    A home budget is based on your income and expenses. It is the best step towards building sound money management. It helps you to keep a track on your expenses and adjust your outgoings in a way that they do not exceed your income. Creating a personal budget will give you an idea of your current financial status.
  • 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.
  • 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.
  • 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.
  • 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?
  • 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.
  • 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?
  • 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.
  • 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.
  • Money Management For Couples
    Foremost among the reasons that lead to marital discord are financial issues. Most couples are unable to or find it extremely difficult to broach the topic openly and honestly. Although the reasons may be different for each couple, being disorganized and unable to communicate are common.
  • 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).
  • 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.
  • Making Sense Out of A Student Credit Card
    Being a student in college can be fun, especially if you have access to funds - without having to worry about always carrying cash with you. A student credit card can take care of many of those problems and provide you with a credit rating for later on, too.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • Introduction To Social Security
    In order to address the routine concerns of many, regarding the payment of bills post-retirement or disability, a federal benefits program was designed in the United States, in 1935, known as the Social Securities Act.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • Getting Started In The Forex Market
    The Forex market is known to be a very lucrative market, with trillions of dollars exchanged daily. To get started in the Forex market and make the most of your investments in it, you need to select a suitable broker.
  • 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.
  • 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.
  • 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.
  • 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.
  • Creating A Budget
    Many people do not consider the importance of a budget. They indulge in spending according to their earning and do not leave room for emergencies. This usually ends up in the incurring of debts and sometimes, personal bankruptcy. A budget helps to counter these consequences.
  • 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.
  • 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.
  • 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.

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