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Peter J Kenny's Articles in Finance

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What is a Debt Consolidation Loan? Consumers can find a lot of solid information about the various debt consolidation loan programs available by doing some research on the Internet Basic Principles of a Loan Understanding the basic principles behind a loan can save new borrowers a lot of stress and make the borrowing process easier What If I Miss a Home Loan Payment? It is no secret that home loans will often last 30 years or more and that during that time anyone can face financial issues that may lead to missing a home loan payment What is a Secured Loan? There are many types of loans available and the nuances of some can be confusing, but one thing is certain: all loans are either secured loans or unsecured loans. How Can I Change My Credit Limit? Keep in mind that if you are already struggling with credit card debt, having more access to credit may be very harmful to your financial future. Many people believe that if they can only borrow more What Are Credit Card Rewards? Lastly, you want to make sure you keep up to date with the company's policies. It is not uncommon for some credit card companies to lower their rebate rates (or increase them from time to time) How To Use A Secured Credit Card Keep in mind that they will also report your bad payment history if you do not pay on time. Be careful and make your payments on time each and every month. Credit Card Types: Unsecured Gold or Platinum Cards: These cards usually carry a higher credit limit and may come with some extra benefits or reward programs Credit Card Fraud: How to Protect Yourself According to federal law, once you have reported the loss or theft of your credit card, you are not responsibility for unauthorized charges. What If I Lose My Credit Card? It is a good idea to make it a habit to physically check your credit cards and debit cards to make sure you still have them. Do this once a week and you avoid many problems How Do I Cancel My Credit Card? You should also ask that the credit card company tell the credit reporting agencies that the account was closed at your request. Make a note of the time you called, the day you called How Does Cash Advance Work? Your credit card company must tell you how it treats payments when a cash advance is involved. You should read this information carefully What Are Credit Card Fees? They earn their money through two principle methods. One is through the finance charges that they levy when you make purchases on the card, and the other method is through the use of credit card fees When Not to Cancel Credit Cards If you are not planning a major loan activity and the balances on your old cards is zero, go ahead and close them out How Are Finance Charges Calculated? Whether you are shopping for a new credit card or wondering about the one that you may already have, knowing how to calculate the finance charge applied to that card is important What are Grace Periods? In order to learn how your credit card company treats grace periods, you should read their policy which will be on your bill. It is usually located in an area that is called "method of computing balance of purchases" Why Use Cash Advance Features? Although credit cards are generally used for purchasing goods in shops and online, they can also provide you with the same services as an ATM Benefits And Drawbacks Of A Variable Rate Card Of course, whether you get a variable rate card or fixed rate card is irrelevant if you pay your balance off in full each month, because you won’t be paying interest When Do You Really Need Credit Cards? Although credit cards can cause debt and other problems, for most people they are a necessity for everyday life, and are required for them to live their life properly Using Commercial Cards In Your Business Although credit cards are the most common commercial cards, there are other cards available. Charge cards for business purposes are similar to regular charge cards How To Avoid Online Credit Card Fraud If you have ever shopped online, then you might know about some of the dangers associated with online purchasing and online credit card fraud. If you are not careful, you could end up being a victim of online fraud Ins And Outs Of Credit Card Pre-Approval The only way to really stop yourself being caught out by these offers is to read the small print carefully if you are thinking of applying How To Avoid Sneaky Card Charges Although your card might have low APR and a nice credit limit, if you don’t stick to making your payments on time then you could end up paying huge amounts in penalty fees How To Add An Additional Card Holder The advantages of adding a cardholder are that you can reduce the number of accounts that you and the additional cardholder have, making payments easier Avoiding Sub-Prime Borrower Cards If you are having problems finding a credit card that does not have extremely high fees and want some help, then consult an independent financial advisor for some advice Why Are Business Loans Important? If you are running your own business, then you probably know that it can sometimes be hard to find the funding you need to make your business work When To Get Payment Protection Payment Protection Insurance, or PPI, is an insurance offered on credit cards or loans to cover your repayments should you not be able to make them How To Consolidate Credit Card Debt Remember, when you consolidate your credit card debt, it is important to cancel all or some of the cards that you have transferred from The Pros And Cons Of Reward Cards Although reward cards might seem like a good idea, unless you pay off the balance each month the incentives are probably not worth it The Benefits Of A Variable Rate Loan In the current climate, a variable rate loan will normally be cheaper than a similar fixed rate loan. However, you need to make sure you can afford the repayments if the rates should increase. Taking Out Loans For Travel If you want to go on holiday but cannot afford the large payment in one go, then you might want to think about taking out a loan for travel purposes What Are Tenant Loans? Although you might not be able to borrow as much as you would with a homeowner loan, tenant loans do have the advantage of being quick to get hold of Using A Loan To Pay For Medical Treatment With the NHS being severely under funded, more and more people are turning to private medical care in order to get the treatment they need Facts About Mortgage Loan Offers And Pre-Approval Although many of the ‘pre-approval’ letters you get through the post are worthless, there are types of pre-approval from lenders that can help you greatly when buying a house The Problems And Advantages Of A Lifetime Loan If you think that a mortgage is beyond you because even with a term of 25 years the payments are too high, then maybe you should consider getting a lifetime loan When Should You Get Loan Insurance? Although it can be expensive and limited, if you think that loan insurance will give you the peace of mind you want and that the policy will cover your circumstances, then take out a policy The Benefits Of Bi-Weekly Loans If you are trying to find ways to pay off your mortgage loan more quickly, then one possible solution is to use the bi-weekly payment method Benefits Of Low Introductory Rates There are many people who use introductory rates to their advantage by continually switching from one card to another in order to keep their payments low Credit Card Authorisation Advice Most of us use credit or debit cards regularly, and normally there are no problems verifying that these cards belong to us Person-To-Person Loans Advice Although it is in its early stages, person-to-person lending looks like getting more popular as the technology and security improves Loans For The Self-Employed One of the biggest problems facing self-employed people is that you are often legally understating your earnings for the purposes of tax, which will hurt you when trying to get a loan Benefits Of Direct Debit Payments If you have a credit card or current account, then you might want to take advantage of Direct Debit in order to pay your bills Store Cards: A Brief Guide Although store cards are very expensive and are not worth the money for a lot of people, you can benefit from a store card if you use it in the right way. How To Keep Your PIN Secure Banking and card security is becoming more and more of an issue as identity thieves and fraudsters find new ways to get hold of our money How To Cancel A Credit Card If you are fed up with one of your credit cards or simply don’t use it, then perhaps is the right time to cancel that card. However, cancelling a card can be tricky, as the company obviously wants you to stay with them. Lost Or Stolen Credit Card Advice Another way to stop loss or theft is to only carry out the cards you need each time. It is unlikely you will need all your cards every time you go out. If you keep them at home then they are less likely to need replacing. Just take out what you need. Credit Cards For Students – The Pros And Cons If you don’t feel that a student card is right for you, then there are some alternatives. If you work part time then you might qualify for a regular card. Although they don’t have some of the student benefits, you might get a lower interest rate and a better credit limit than with a student card. What Makes A Good Credit Card? The biggest problem is that what can be a good credit card for one person can be a bad card for someone else. So, how do you know what makes a good credit card for you? How To Increase Your Credit Card Limit Remember, although getting a higher credit limit can improve your buying power, unless you can afford to pay the money back it can be dangerous. The best way to use your credit cards is to get a limit that suits your needs and that you can afford to pay back easily. Avoiding Credit Card Scams Although many credit card companies are perfectly honest, there are also many dishonest ones who want to rip you off. If you are unaware of the ways in which you can be conned or misled then you could end up losing a lot of money. Time To Start Using Those 0 percent Credit Cards Probably the most common form of zero per cent for a credit purchase is on balance transfers. So if you find yourself paying a lot of interest on existing credit card balances, then you could look into transferring this balance onto a new credit card that offers you zero percent to do so. This has the potential of saving you hundreds of pounds in interest payments. Check Out Payment Protection Insurance Payment protection insurance is an optional insurance cover that you can pay for. The cost will be added to your monthly credit card bill and will typically be assessed on the basis of your outstanding credit card balance. So, for example, the cost of the insurance might be five pence on every pound you owe on your credit card bill, so if you owed one hundred pounds, five pounds would be added to the bill as the cost of the payment protection insurance. Choose A Loan Carefully If you are thinking of taking up one of the many offers that you see on the television or in the daily newspapers. Offering to give you a personal loan that will consolidate your debt into one manageable monthly payment, then before you take them up on their offer, sit down and think it through Online Credit Card Use On The Up The online spending trend is set to continue. More and more services are becoming available online, from online banking, financial services, applying for loans and mortgages, and a whole host of online business dealings, have made the internet probably far more important than the high street for many shopping needs. Find A Free Credit Card – It’s Not Difficult Before we start talking about free credit cards, it is necessary to define somewhat what is meant be free in this context. While there are some credit cards out there that will charge you a monthly or annual subscription fee to become one of their customers and receive their credit card, these deals are becoming far less common than they used to be and therefore it is by far the norm now not to have to pay a subscription fee for a credit card. Be Smart and Repay Your Credit Cards Quickly There are few things in life that can cause as much long term strain and pressure as financial worries. Especially if you have children or a family to support, you will be very aware that failing to keep on top of finances is not an option.

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