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Joseph Kenny Profile and Articles


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1). Adverse Credit - How Much Can You Borrow?
Just because people have bad credit, that doesn't mean they can't borrow any money. Adverse credit means that people have a poor credit rating, perhaps because of:

· defaults on loans or credit
· arrears on loans of credit
· County Court Judgements (CCJs) because of defaults or arrears
· fraud
· bankruptcy

But even this doesn't mean that people are barred from getting credit.

2). Visa Vs MasterCard – Which Is The Best?
The two leading credit card companies in the world today are the competitors Visa and MasterCard. They both operate along very similar lines. While Visa can claim to have almost a billion cards issued, MasterCard has over twenty five thousand banks issuing its cards and it is difficult to find any difference in the number of locations worldwide that accept the cards, which is now estimated at over twenty million.

3). Silver, Gold and Platinum Credit Cards
Aside from all being precious metals; silver, gold and platinum also signify the difference between the various strata of credit cards available to cardholders. So, what’s the difference between you having silver, gold and platinum credit cards?

Besides the kudos of having a metallic covered card in a stratum higher than the one below it, with silver being considered the lowest, gold next and platinum at the peak, these days there really is little difference between each of these cards.

4). Internet Banking – The Pros And Cons
Only a few years ago the concept of online banking seemed like a dubious one – concerns about security and computer glitches were enough to put most people off. But with the continuing success of flagship companies like Cahoot, Egg and Smile, more and more of us are choosing to do business over the net. Sophisticated technology means that your information is well protected, and an online account offers several advantages over traditional banking.

5). Interest Free Credit Cards – Getting Accepted
If you've got a debt but you don't want to pay any interest, the answer could not be simpler. All you need to do is find a credit card with a 0% interest rate on balance transfers. This is an introductory offer commonly offered by credit card companies.

How Long Does The Interest Free Period Last?

Most credit card companies offer the low balance transfer rate for a fixed period.

6). How Your Credit Card Interest Charge Is Determined
Your credit card's interest rate isn't the only thing that affects how much you end up paying on your credit card bill, though it is a major determining factor. There is a difference between your interest rate and your interest charge. In simple terms, the rate is the percentage of your balance that your interest charge will be based on. The interest charge is the actual number of dollars that you pay for interest - based on your interest rate.

7). How Can You Assume A Mortgage?
Finding a house with an assumable mortgage these days could prove to be a real find - but it is not very common. Typically only the FHA and the VA uses assumable mortgages, which basically means that another person can simply take over the house and payments.

8). Can Car Insurance Be Affected By Your Bad Credit History?
If you have bad credit you can be denied car insurance! The protections afforded to the consumer since the Depression of 1929 no longer exist. The Financial Laws passed through Congress in 1992 allowed banks, insurance companies, investment firms to handle banking, insurance and investment operations. Laws passed after 1929 had prevented banks from.

9). Secured Loans – An Overview
A secured loan is one of the most basic loans you can get. These types of loans are typically only given when collateral has been secured. Many lenders see secured loans as being a safe investment, and they are often given to customers who apply for them and have some form of collateral. The collateral for these loans could include your home or car.

10). 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?

11). Credit Cards and Minimum Payments – Living in Debt
Many people love their credit cards. It’s a fact of life and the figures bare this up. If you look at the rate at which UK credit card debt is rising it is quite amazing. Millions are being spent all day every day in an endless frenzy of spending. Pretty soon, three quarters of all adults in the UK will have credit cards and if you were to ask any of them to give theirs up, you can bet their answer would be no.

12). Credit Cards and Divorce
If you’ve recently divorced or are going through a divorce, one of the important issues that you should settle is how any joint debts are to be handled. This includes mortgages on a jointly owned home and any joint credit cards that you have. You also need to be aware of how failure to pay those debts on time will affect your credit rating – even if your divorce decree states that you are not the party responsible.

13). Phishing And Fraud – What Is It?
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.

Phishers try to persuade you, or trick you into giving them sensitive information which they can then use to make money out of the system.

14). Credit Card Applications - Getting Accepted
Although they can be painful at times, life today without the ease of a credit card is no longer a reality. So, if you think you want a credit card, here are some essential factors you’ll need to consider when applying for a credit card:

Your Credit History

One of the most essential elements to applying for a credit card is what you current credit history is.

15). World Cup Superstars – Who Is The Greatest?
Every four years a World Cup will come along and occupy a football fan’s thoughts and time for weeks. Game after game, the best footballers in the world will parade their skills in front of thousands at the stadium and millions watching on the TV back in their homes.


Players generally make the World Cup what it is. If there were not great players we would certainly not be watching this tournament in the vast numbers that we do.

16). Your Insurance Premium May Be Affected By Global Warming
The last decade or so have not been a particularly good one for the UK insurance industry. It seems that at least once a year the UK insurance industry gets to feel the bit of a natural disaster somewhere in the world.

In more case than not, environmentalist will then go on record as saying the natural disaster was avoidable, but for the fact that we are subject to ongoing global warming, which we should only expect to get worse.

17). 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.

You will also become a ‘homeowner’, which should please your bank manager no end. You may find offers of loans and credit suddenly become a lot more frequent, and when you’ve just moved into a new home it can seem tempting to borrow money to kit the place out.

18). Offshore Banking: What You Need To Know Before Opening An Account
Offshore banking, we have all heard about it before. Unfortunately, many are misinformed when it comes to offshore banking. We have all heard news reports of offshore accounts being used to front illegal activities or to avoid taxes. In fact, we have also seen it in the movies, being used a similar way. This has led many individuals to believe that offshore banking is illegal.

19). Remortgages - Worth The Switch?
It’s becoming more popular to remortgage your house these days – all this means is switching to a different mortgage and sometimes a different lender to take advantage of a better deal.

If your circumstances have changed since you first took out your mortgage, you may find you want to switch to a new mortgage that better suits you. Likewise, if you chose a mortgage with a special rate for the first few years, once it reverts you’re paying more than other mortgages.

20). How To Help Animal Charities With Your Credit Card
Britain is a nation of animal lovers, so it's not surprising that there are many charities set up to look after old, sick or neglected animals. Donations to these charities can be made by supporting events, by setting up bank direct debits and by using cash. Making credit card payments is another way of supporting a charity. This has been made even easier with the appearance of charity credit cards.

21). 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.

Phishers try to persuade you, or trick you into giving them sensitive information which they can then use to make money out of the system.

22). 5 Basic Credit Card Safety Tips
Ultimately keeping you credit card safe is you responsibility. Indeed, in a worst case scenario, if it can be proven you may have been negligent in keeping your credit card safe, you may find yourself liable for the cost of all transactions made fraudulent on your account should you lose the card. To help you avoid this, here are 5 basic credit card.

23). Bad Credit : Understanding The Basics
Many people have heard of bad credit, but some may not know what it means. For a long time, there was no established method for determining the credit activities of consumers. However, this all changed when a company called the Fair Isaac Corporation designed a credit scoring system that is called the FICO score. Because the three major credit agencies have different information on each consumer, the FICO score calculated by these agencies won't be exact.

24). Fixed Rate Vs. Variable Rate Credit Cards
Although it is mostly industry practice to charge a variable rate of interest on outstanding credit balances at a certain percentage rate above Prime Lending Rate, it is possible, these days, to obtain a fixed rate credit card. So, when would you want to apply for a fixed rate credit card over a variable rate credit card?

The answer to this may not actually sound as simply as you may think.

25). 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.

26). Why You Need To Keep Your Credit Card Secure
Automated teller machines (ATM) are a great invention. They are an easy way to get cash out of your account 24 hours a day. But you may not be the only person raiding your account. If you're not careful, someone could steal your person and financial information and leave you in financial trouble.

Some identity fraudsters use special machines to 'skim' card details from ATMs and other card machines.

27). Home Loans – Understanding The Basics
When you decide to get a home loan, there are a number of costs that are involved. If you are fortunate, the seller of the home may agree to cover some of the expenses for you. Some of the expenses you will see when getting a home loan is the closing costs, prepaid items, and loan discount fees. Understanding these terms will make purchasing your next home easier.

28). Pet Insurance & Public Liability – Are You Safe From A Personal Injury Compensation Claim?
Are you one of the million of Britons famous the world over for being a pet owner and lover? If so, do you have pet insurance? If not, you may well want to read on if you want to save yourself millions of pounds….

Let’s look at two, not uncommon, scenarios that may happen to a pet owner in the UK:

Scenario 1:

You own a dog. The dog is out in the garden.

29). Savings Accounts – An Overview
Being in control of your finances means not only managing your current account wisely, but planning ahead too. Although we are used to thinking we will have the welfare state to fall back on, the support offered by state benefits is far from generous - most people would struggle to exist on a basic pension alone.

Furthermore, our ageing population face an uncertain future as demographics change – by the time today’s thirty-year olds reach retirement there’s no telling how the economic situation will look.

30). 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.

31). Tips To Avoid Gaining A Bad Credit Rating With Your Mortgage
While having your own home is an important part of your financial picture, too many people make decisions without thinking things over. Making a mistake with your mortgage is a fast way to end up with terrible credit.

32). Tracker Mortgages – Are They Worth The Gamble?
How well do you know the money market? A tracker rate mortgage has a variable rate, usually a set percentage above or below the Bank of England’s base rate.

33). Minimum Payment on Credit Cards – Bad Idea?
Are you quite happy paying off the minimum amount every month on your credit card bill? You may be unaware of the actual amount you are paying off towards your debt. Most off your payment will go towards the interest owed leaving your debt and further interest charges to accumulate further.

1 in 8 people in the UK pay only the minimum payment required on their credit cards.

34). Could A Fraudster Be Using Your Credit Card?
If your credit card statement has transactions you don't know about, don't just dismiss them as a banking error. It could be worth checking to see if you are a victim of identity theft.

Identity theft is where someone gets hold of information that can identify you, such as a credit or debit card, passport or driver's licence, and uses that to create a new identity for himself or herself.

35). Credit Cards and Divorce
If you’ve recently divorced or are going through a divorce, one of the important issues that you should settle is how any joint debts are to be handled.

36). Cosigning A Loan - Personal and Financial Consequences
Perhaps a friend needs to get a loan for a new business or your family member needs a new car or there are unpaid medical bills. If you are asked to cosign for a loan for anyone, you will find yourself with a serious decision. Do you want to make a commitment to repay the loan if the other person fails to do so?

37). Credit Card Insurance - What Do They All Do?
Most major credit card issuers now offer their members a variety of different free insurance programs. It is highly recommended that you review the insurance terms of your credit card agreement as in certain circumstances the credit card insurance offered by your card issuer may cover situation beyond those you may originally have thought.

The major.

38). Five Credit Building Tactics
If you are looking to apply for a credit card, than you’ll need to ensure that you have sufficient creditworthiness. In reality, this is no easy task – so if you are having problems with this, the following 5 credit building tactics should help.

1. Open a current account

All credit card companies like to see that their potential borrowers are responsible when given the opportunity to borrow money.

39). 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.

40). The Rise Of Credit Card Identity Theft
Personal identity theft is a huge runaway business made even easier with advances in computer technology. So far as credit cards are concerned, personal identity theft is now costing card issuer billions of dollars a year. To try and recoup some of these losses, card providers and now telling their customers that if they were in any way at fault in the theft of their identity, they could be comparable and liable for at least part of these losses.

41). Rock Lyrics of The 1980’s
One of the most well-know eras of music is the nineteen-eighties. In this period the virus AIDS hadn’t been quite discovered yet and everyone was still under the notion that having a good time with as many people as possible was the best way to live. Hair styles and clothing looked as weird they could, with long hair and mullets being in fashion throughout the decade.

42). What Are Supplemental Credit Cardholders?
Have you ever been faced with the worry that your son or daughter is off to college and you want to give them access to emergency cash without having to give them the actual cash – which they’ll likely spend beforehand – but knowing by the time you wire the money to them the emergency may well be over? If so, you may well want to know what supplemental credit cardholders are!

In short, supplemental credit cardholders are persons who you authorize to use your credit card account.

43). Buy To Let -The Pitfalls
Taking on a property in addition to your home can be a time consuming and complex matter. Before you become a landlord (or lady), make sure you’ve thought it through!


While you may be lucky and find the perfect tenant by chance, it’s a good idea to interview potential tenants first. You can ask for references from previous landlords or employers to reassure yourself that they are trustworthy and solvent.

44). 0% Credit Cards: Are They Worth It?
Credit card jumping has become a common practice. The term refers to the habit of moving debt balances from card to card to take advantage of preferential rates. But just how worthwhile is credit card jumping for consumers?

UK consumers have staggering levels of debt. Consumer borrowing has grown by more than 50% in five years. It's no wonder that people are looking for new ways to ease the debt burden.

45). Why Sports Cars Cost More To Insure
Have you ever wondered why sports cars cost more to insure than other types of car – even when the purchase price of the sports car is less expensive? If so, the following are the main reasons why this is the case.

Car Insurance Group Categories

While many of the factors that determine the make-up of car insurance quotes are not known, what is known is that insurance companies ‘group’ certain types of cars into categories.

46). Silver Credit Cards
The lowest in the hierarchy of precious metal named credit cards, silver credit cards have been around since the conception of credit cards in the mid-1950s. Today silver cards have been surpassed in prestige by gold credit cards and platinum credit cards and so have more commonly come to be known as ‘standard’ or ‘basic’ credit cards.

Advantages of.

47). Offshore Banking - When It Pays To Go Abroad
While you might presume anyone with ‘money in offshore accounts’ is involved in some scurrilous business affairs, the truth is that anyone can use this form of investment as a totally legitimate way to defer or reduce your tax payments.

Locations for offshore accounts can be held in banks in British waters – the Channel Islands or Isle of Man for example, or you could look further afield to the Republic of Ireland or Luxembourg.

48). How To Help Cancer Charities With Your Credit Card
Shopping, meals and holidays are just some of the items we put on our credit cards. But credit card spending does not have to be selfish. Credit card holders can use their credit cards to support worthwhile causes such as charities.

There are several ways of doing this. Credit card owners can donate to different charities using their credit cards or they can choose a charity credit card to give their chosen charity a donation every time they spend.

49). Silver, Gold and Platinum Credit Cards
Aside from all being precious metals; silver, gold and platinum also signify the difference between the various strata of credit cards available to cardholders. So, what’s the difference between you having silver, gold and platinum credit cards?

50). 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.

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