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Joseph Kenny's Articles in Personal Finance

  • To Get Rid Of Debt By Financial Budgeting
    One will find at least one credit card in American household. These days carrying debt has almost become inevitable and in many households, is necessary. Most of the cases sound financial budget is forgotten.
  • Five Things To Avoid With Debt Consolidation
    When you start getting behind in those bills, and the collectors start calling, you begin to feel the pressure from being in debt.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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.
  • Make Life a Little Easier: Setting a Budget and Sticking with it
    Where does the idea of sitting down a coming up with a personal budget rank on your list of "things I can't wait to do"? If you're like most people, it's probably somewhere between jabbing a fork in your ear and getting a root canal.
  • The Clock is Ticking: Retirement Planning Later in Your Career
    Are you ready for retirement? Sure, you're mentally prepared to leave the everyday rat race, to throw your alarm clock in the garbage, and to spend your days doing whatever you so please. The question is: are you ready financially? If you're like most Baby Boomers, the answer is probably "no".
  • 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.
  • The Generation Gap: Passing Sound Financial Practices Down the Family Tree
    In our world of "keeping up with the joneses", it's an everyday struggle to resist buying the latest, greatest toy to wow our neighbors with. But how did we come to be this way? If you're a Baby Boomer, your parents probably weren't like this.
  • 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?
  • The Anatomy of a Dollar Bill
    Greenbacks. Moolah. Dough. Benjamins. All nicknames for the one thing we're all in an endless quest to get more of - money. It's as much a part of our everyday lives as is sleep, food, even breathing. But have you ever really stopped to take a look at these little green monsters that seem to run our lives?
  • Your First Home Loan : What You Need to Know
    So you've decided to buy a home. Perhaps you're a newlywed, and you and your spouse are starry eyed and off to pursue the American dream. Whatever your reason, you're ready to buy, and you're ready to buy now.
  • Government Loans - Get What You Are Due
    As a student you can obtain a substantial financial support from the federal government for your college tuition, books and laboratory fees. The loan accrues no interest during the time that you are legitimately enrolled as a student but will commence drawing interest upon graduation or whenever you leave college.
  • Car Financing: Which is Better: Buying or Leasing?
    Purchasing a new car is always an exciting time in life; however, it can also be confusing and time confusing, especially with so many different types of financing options available. Should you purchase your next vehicle outright or would it be better to lease it?
  • How to Avoid Car Financing Pitfalls
    If you are considering the purchase of your first car or even your next vehicle if you’re not a first time car buyer, you may be concerned about the prospect of financing your vehicle. This concern is not totally unfounded.

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