Joe Kenny's Articles

Display Category|Title|Newest|Oldest

Debt Consolidation Loan Scams and How To Avoid Them
Many people who badly need money make the mistake of doing business with companies that steal money from them rather than lend it. These scams are usually directed at people who already have bad credit.
Tips To Avoid Getting Into Debt
While many articles and books have been written to help you once you're in debt, very few have been written about how to avoid getting into debt in the first place. This article will outline some tips that have been used not only to avoid debt but to make your finances a little healthier.
What Is The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act, also known as the FDCPA, is a law, which was passed by Congress that regulates the methods collection agencies, can use to collect money from debtors who are behind on their payments.
What Are Business Loans and Their Benefits
There are a number of ways you can finance your business. Whether you are just starting out, or are considering expanding and growing your business, you will need to make investments if the business is to have the assets it needs to get off the ground.
Re-mortgaging – Guide To The Best Deals
When interest rates fall, there are savings to be made. This is true for everyone, not just people currently looking for a new home or mortgage.
Increased Credit Card Payments – Helping You Keep Up
In the past, credit card payments have always been fair, a small percentage of the total balance owed. A new change has recently been proposed by the government that may change this.
Credit Card Debt Statistics
In the past, credit card payments have always been fair, a small percentage of the total balance owed. A new change has recently been proposed by the government that may change this.
Blink-182 and Selling Out
There is a prominent feeling that when a band decides to grow up and write more about real life, adult situations they have become a better band. A good case of this can be seen in the popular pop band blink-182.
Different Ways Artists Can Use Lyrics
Often times music lyrics are simply used to create catchy words that people hear. These words are designed to appeal and convince people to buy CDs and attend concerts of a certain artist. There are other reasons, however, that artists choose their lyrics as they do.
Choosing A Middle Name for Your Baby
What many parents seem to forget when naming a child is that they also must choose a middle name for their babies. This is a very important step in the process in which a child is named.
First Time Buyers Beware
Although it’s a big undertaking, buying your own home is one of the wisest moves you can make. Rather than pouring money away on rent, you will effectively be investing in your property with every mortgage payment.
Children's Bank Accounts - Planning Your Family's Future
Everybody wants to give their children the best possible start in life, and make their future as secure as possible. Two ways of helping them, money-wise, are by encouraging them to save with their own bank account, and by making investments on their behalf.
Savings Accounts - Professional Advice
When it comes to savings, you may well find yourself daunted by the sheer variety of ways to invest your money. Particularly if you find yourself with a substantial amount to invest, and are less than confident at dealing with things like the stock market, bonds and trusts, you’re likely to gain from professional expertise.
Insuring Your Overseas Home
The number of UK residents how now have overseas homes is steadily on the increase. In some cases these overseas homes are for holiday purposes, such as with Spain, in other cases they’re bought for the purpose of spending at least part of the time of the owner’s retirement, such as with Cyprus.
Credit Card Debt – Some Remedies
If you have credit card debt, then don’t just bury your head in the sand and hope it all takes care of itself. If you do this, the problem will only get worse.
Credit Card Debt – Prevention Is Better Than Cure
If you have credit cards, but have not yet let your spending get out of hand, then now is the time to take stock of your position and make some decisions about your financial future. Ask yourself what do you want those credit cards for?
Phishing Is Fraud
Phishing is a very sneaky type of fraud conducted over the Internet. Its name is a throw back to the early days of hacking and identity theft and the practice of phone phreaking. While there can be very complicated schemes devised, they are all based on a very simple concept.
Health Insurance 101
We all understand the importance of health insurance; however, as the types of health insurance continue to increase it is becoming more and more difficult to select the type of coverage that is best for you and your family.
Renters Insurance 101 Explained
If you rent a home or apartment instead of owning a house outright you may not think you have a need for insurance or believe that it is even available to you for that matter.
Long Term Care Insurance
Long-term care insurance can provide coverage and protection in the event that you or a loved one should need long term care and assistance with daily living activities. These activities would include help with bathing, eating, dressing, etc.
How to Save on your Insurance Premiums
Did you know your credit history and score could have a tremendous impact on your ability to obtain insurance and how much you pay for it? Many consumers are not aware of this link and because of it they are often in for quite a surprise when the time comes to take out a new insurance policy.
Bank Charges and The Cost Of Bounced Cheques
Sometimes you open your bank statement and you get a nasty shock. Not only has the cheque you wrote for the last utility bill bounced, but your bank has charged you for the privilege. And it's not the first time it's happened, so your previously spotless credit rating could be in danger.
Business Banking – Keeping Your Accounts Healthy
There’s no room for complacency when it comes to running a business, and running your account is no different. You should check your statements carefully, and have a periodic review of the market to make sure your account is still the best one for your needs.
UK Credit Card Tips & General Advice
As Christmas approaches, many of us in the UK will be considering taking out a new credit card to purchases those all essential gifts. With a plethora of card offers out there, deciding which card,if any, is best for you can seem a little daunting
The High Cost Of A Poor Credit Rating
Is your credit rating good or poor? If you've recently been turned down for a credit card, store card or loan, it could be because you've paid off everything so perfectly that you have no credit history. But it's more likely to be because your credit rating is poor. And this means it could be difficult to get credit at a price you find attractive.
Get A Low Cost Loan By Using Balance Transfers
Keeping interest payments down is a sign of good money management and credit card tarts have got it down to a fine art. Credit card tarts take advantage of 0% balance transfer deals to make sure they never pay interest on their credit card debt.
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.
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.
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.
Lost Your Job? - How To Keep Your Insurance Coverage
In this day when companies are facing layoffs, buyouts, and other financial difficulties, it may be difficult to hold on to a good health insurance policy. Thanks to the government, however, there has been a couple of programs that will allow you to keep the same coverage you had before your situation changed - if you act soon enough.
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).
How To Get Started In Investment Properties
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.
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.
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.
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.
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.
Consolidating Credit Card Debt
Today’s consumer society is driven by easy short term unsecured debts. Most of these are related to credit cards. You may find yourself in a dissatisfactory financial situation if you fail to maintain a balance between your income, and your expenditure.
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.
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.
Online Personal Loans For Your Convenience
It is the invincible nature of technology that has resulted in the online revolution. As the name suggests, an online personal loan is one that is meant to meet your urgent needs. The entire procedure, starting from the allotment of loans to repayments, everything is executed online.
Foreclosure Investing - A Smart Strategy
Foreclosure investing is a form of real estate investment. It is one of the best investment options as far as returns on investments are concerned. Foreclosure investment opportunities are normally created when homeowners default on monthly installment payments and the bank confiscates their property.
Finding The Right Bank For You
Banks are often considered to be the best treasurers. Selecting a bank is a crucial decision and it should not be influenced or impulsive. There are a number of financial institutions offering multifarious fringe benefits to customers.
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.
Stock Market Strategies For Investors
Investors can use a number of strategies to invest in the stock market. To begin with, they need to analyze market trends, learn about the market in which the companies they are interested in operate, and purchase shares at an appropriate time.
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 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.
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.
Things To Look For In An Investment
Investment involves staking capital in an enterprise, with the expectation of profit. It is nothing but the use of liquid funds to gain income or increase capital. In order for money to grow, investors need to invest judiciously. .
Learn to Buy and Sell Stocks Online
Technology has widened the scope for tremendous growth in the stock market. Stock dealing on the Internet involves only execution of the orders. You can buy or sell your stocks from more than 100 online brokers instantly. Online trading is the quickest and the most convenient way of dealing in stocks.
Medical Bills And Personal Injury Insurance Claims
The amount of a personal injury claim is always calculated on the amount specified on the medical bills submitted. Your initial claim application is usually followed by a string of inquiries by the insurer.
Securing Your Future With Disability Insurance
There may be a time in life when you may not be able to work due to illness or some other medical condition, whether temporarily or permanently. Such a condition may result in a loss of income during that period.
How Can I Get A Personal Loane
A personal loan is a loan that you can get for any particular reason. You can do with the money whatever you want. Whether you want it to consolidate your debts, buy a new car, fix up the house, or take a trip - that is up to you to decide.
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.
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.
What To Look For In An Instant Approval Credit Card
When you need to get a credit card in a hurry, you want to go for an instant approval credit card. These credit cards are readily available, but are especially for those who have excellent or good credit ratings.
How To Get Accepted For A Personal Loan?
A personal loan is a loan that you can get for any particular reason. You can do with the money whatever you want. Whether you want it to consolidate your debts, buy a new car, fix up the house, or take a trip - that is up to you to decide.
Getting A Home Loan With Bad Credit
Everybody wants to be able to get a house one day, and in many cases it can actually be cheaper than renting. So why should bad credit stop someone from getting the necessary mortgage to be able to buy their house?
Need Debt Consolidation? - Try Second Mortgages
For many of us, money can get tight every now and then. We have felt the pinch, and many are feeling it now. If you are in that situation where you now have a lot of debt, and are wondering what you can do about it, there is a possible solution for you with a second mortgage.
Understanding Mortgage Basics
Being able to buy that house you have always wanted probably means that you will need to get a mortgage. Another word for a mortgage is loan - which you usually get from a bank or other lending agency.
Credit Cards You Need To Stay Away From
Credit cards are such a convenience these days, and just about everybody knows it. This means that people want them and often want them in a real hurry. Credit card companies know this, too, and often present credit card "deals" that really are not deals at all.
How To Get A Good Rewards Credit Card
Rewards credit cards come with many different possibilities. The options can be quite nice and are greatly varied. There is probably something for just about anyone and the offers can be rather attractive.
How To Compare Credit Card Offers
Getting the credit card you want makes having the right one worthwhile. So many different offers make it necessary, though, to compare credit card offers before you sign on the dotted line.

Fair Trade
Sustainable Organic Gardening
Garden Notes
Energy Saving Tips

Overweight Kids
Moving Overseas
Kosher Food
Internet Partners
Article Directory Installation

Sustainability Quotes

"Every man looks at his wood pile with a kind of affection"
- Henry David Thoreau

"Knowing is not enough; we must apply. Willing is not enough; we must do."
- Johann Wolfgang von Goethe

"If you think education is expensive, try ignorance."
- Derek Bok