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Peter Kenny's Articles in Finances

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Should I Plan For Debt? Without trying to sound cynical or sarcastic there are two ways to approach debt One way is through careful planning and monitoring, and the other way is through careless actions and taking on more debt than your income can handle What Can I Do If I Am In Debt? The vast majority of consumers will, at some time or another, find themselves in debt Debt, in and of itself, is not a bad thing Can I Refinance My Debt? You might be surprised at how many people consider refinancing their debt For many people, this is a good idea, but for others, it should not be entered into hastily or at all Debt And Your Credit Score Many consumers do not understand the impact that debt has on their credit score Further, they do not understand the various actions that can affect their score Debt Versus Credit Worthiness Most consumers have heard of the credit score and the various credit reports that are available Many consumers understand that these files are based on a person's level of debt and the manner in which that debt was repaid to the lenders How Do I Shop For The Best Mortgage Rates? For many consumers who are looking for the best mortgage rates the first step should be to find out exactly where they are in the credit world Nothing can be more disappointing than spending hours shopping for the best prime interest rates only to discover that you do not or will not qualify for those loans Advantages And Disadvantages Of Adjustable Rate Mortgages When consumers begin shopping for a home loan they are often presented with the option of using an adjustable rate mortgage An adjustable rate mortgage (also known as an ARM) can be a great way to buy a home but it can also be a horrible mistake that can lead to foreclosure or even bankruptcy Advantages And Disadvantages Of Fixed Rate Mortgage The fixed rate mortgage has a long history and is considered the standard of home loan financing instruments Long before the adjustable rate mortgage came along the fixed rate mortgage was being used and is still being used by many home buyers What Is An Fha Mortgage Loan? The Federal Housing Administration (FHA) is operated by the Department of Housing and Urban Development (HUD) The FHA has the responsibility of administering the government insured home loan programs What Is A Veteran's Affair (VA) Loan? A VA home loan is actually a guarantee rather than a loan The VA does not actually lend the money to the borrower, but promises to make good to the lender should the borrower default on the loan What Is A Sub Prime Loan? A sub-prime home loan is designed to service those individuals and families who have credit problems The severity of the credit problems and the length of the problems will determine whether or not you are a candidate for a sub-prime loan What Is Foreclosure And How Can I Avoid It? Foreclosure takes place when home owners do not pay their payments to the lender It really is that simple Pre-Application Process: What To Do Before You Apply This article examines some of the issues that you may wish to resolve before you even pick up the application form for a home loan Keep in mind that it is nearly impossible to be dishonest on a home loan application What If I Have Bad Credit? A lot of people worry about whether or not their credit is good enough to get a home loan What many people do not realize is that there are very few individuals who have perfect credit Other Types Of Mortgages In addition to the traditional fixed rate mortgage and the adjustable rate mortgage we all know about, there are some other types of mortgage instruments that are not so well known This article details a few of those less-than-traditional mortgage methods Mortgage Questions Just the thought of buying a home can cause anxiety in some people For many people, it is the fear of the unknown that brings this about What Are Mortgage Points? Many people have heard of the word points or have heard of the term, paying points, as it applies to buying a home Some consumers, however, are not sure what that word or term means, and this is unfortunate because the subject is important Avoid Foreclosure And Save Your Home No homeowner wants to face foreclosure Losing a home can be one of the most traumatic financial events in a person's life, but it is happening every day What Is Default And How Does It Affect My Credit Score? In simple terms, a loan default is when you have not made your agreed upon loan payments to the lender There can be any number of reasons why a consumer may not have made payments, but once a certain period of time has elapsed, that non-payment record will become a part of the consumer's credit history How Do I Find The Best Personal Loan? Finding the best personal loan takes time, patience, and research Of these three, research may be the most important How Do I Find The Best Student Loan? Higher education is expensive Just about anyone who has applied for college lately can attest to that fact What Is A Credit Score? Your credit score is one of the most important decision-making factors that lenders use when they are considering you for a loan The loan may be for a new home or new car or it could be a very small personal cash loan What Is Credit Counseling? Credit counseling can be very helpful for some consumers who find themselves in debt trouble For many consumers, simply having a third party to talk to about their financial issues is a great help, but do keep in mind that there is a difference between credit counseling and credit repair programs How Do I Calculate Finance Charges? Having some knowledge of how to calculate finance charges is always a good thing Most lenders, as you know, will do this for you, but it can helpful to be able to check the math yourself How Do I Find The Best Home Loan? Every year, thousands of people ask themselves the question of how to find the best home loan Most people would agree that a home loan is one of the biggest investments the average consumer will make in a lifetime What If I Cannot Make A Loan Payment? It is not that uncommon for the average consumer to find himself strapped for cash at times There are those times when there is simply not enough cash on hand to pay all of the bills Pre-Application Tips For Credit Cards For the most part, credit card applications are fairly identical in what they want to know about you and your finances There may be some differences, depending on the company and the level of credit that you are seeking, but, in general, there are some things that all card issuers will want to know before they approve you for one of their credit cards Home Loan Basics Owning a home is a dream that many people share Understanding the basics is a good first step in homeownership What Is An Unsecured Loan? When most people apply for a loan they apply for an unsecured loan There are times when the loan must be secured, which is when the borrower must put up collateral in order to get the loan, for the most part, consumers loans are usually unsecured loans What Is An Adjustable Rate Mortgage? An adjustable rate mortgage (also known as ARM) differs from a fixed rate mortgage in two very important ways, and we will explore those in this article Adjustable rate mortgages differ from fixed rate mortgages in that the interest rate as well as the monthly payment will move up and down as market interest rates fluctuate What Is A Debt Consolidation Loan? A debt consolidation loan can come in very handy for many consumers but these loans should be examined carefully before signing up for any Like all financial instruments, this type of loan will have its benefits and its drawbacks 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 The first thing to do if you miss a home loan payment is to not panic 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 This article will explore some of those loan basics 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 This article will examine some of the issues that you can expect to face when applying for a secured loan How Can I Change My Credit Limit? Many people ask this question and for different reasons Some of the reasons for wanting a higher credit limit are good and sensible reasons How To Use A Secured Credit Card As mentioned in an early article, there are two types of credit cards: secured and unsecured This article will explore some of the issues of secured credit cards What Are Credit Card Rewards? Credit card rewards are bonuses that you receive as you use your card In general, the more you use the card the more points or rewards you get from the company Credit Card Types: Unsecured There are two basic credit card types: secured and unsecured This article explores some of the issues associated with unsecured credit cards Credit Card Fraud: How To Protect Yourself As technology has increased, so has credit card fraud There are some simple steps that you can take to help protect yourself from credit card fraud What If I Lose My Credit Card? Report the loss immediately Those four words are probably the most important words you can remember should you lose your credit card How Do I Cancel My Credit Card? Here are two important questions for credit card consumers: How many credit cards do you have Do you need all of them What Are Credit Card Fees? Credit card companies are in the business of making money It really is that simple When Not To Cancel Credit Cards We have an article that details the benefits of canceling old, unused credit cards, but is this always a good idea The answer to that is no Using Your Card: What Is Its Purpose? There is a wonderful feeling to having a credit card when you need one, but that blanket term "credit card" can be misleading at times Not all credit cards are the same, and this goes beyond the APR that most people are aware of What Are Grace Periods? When you begin looking for the credit card that will fit you needs there are several things that you will want to look into Included in this list are issues such as the annual percentage rate (APR), cash advance rates and fees, annual fees for using the card, and the grace period that the company offers its customers What Is APR? APR stands for Annual Percentage Rate It is one of the most important numbers that you will find on a credit card application or statement When Do You Really Need Credit Cards? If you don't have a credit card or have one that you don't use very much, you may be asking yourself: "why do I even need a credit card" Many people are sceptical about the need to have a credit card, even though so many others have more than one Using Credit Cards And E-commerce On Your Web Site If you have a web site that you use for business, then you should think about setting up your site to allow people to pay for things using a credit card If you can get your head around using credit cards and e-commerce on your web site, then you will attract more customers and make your business run more smoothly Using Commercial Cards In Your Business Although credit cards are often associated with individuals, using credit cards within business is also a viable option If you have a business, then using commercial credit cards could really help you to keep track of spending and improve your business cash flow Keep Safe When Using Your Credit Card Online If you shop online or use online banking, then you might be familiar with HTTPS protocols and the way that they help keep your information safe However, if you are new to online shopping or banking, then you should know about HTTPS and how to make sure that your credit card details are safe when you purchase online 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, which could leave you with a large bill to pay of items that you have not purchased Should I Get 'Gold' Or 'Platinum'? Although some of the prestige of gold and platinum cards has disappeared over the last ten years or so, many people still feel that they have not 'arrived' until they get one of these cards If you are looking into getting a gold or platinum card, then you should know about the benefits and drawbacks before you sign up for anything Ins And Outs Of Credit Card Pre-Approval If you have a credit card, or even if you don't, you have probably received a stack of credit card letters in the post, telling you that you are �pre-approved' for a great credit card deal Although some of these credit card deals are genuine, many are not what they seem or are even complete scams Stopping Credit Card Identity Theft Credit card identity theft is on the rise, and if you are not careful you could become a victim and lose hundreds or even thousands of pounds Your identity is your most precious thing, and if someone gets hold of it they can make it look like you have spent vast sums and got yourself into debt How To Add An Additional Card Holder If you have someone special in your life, then it might be time to add an additional cardholder to your account Whether this is a wife or husband, or even a child, adding an additional cardholder can be advantageous for a number of reasons

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