Peter Kenny Profile and Articles




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1). A Credit Card Can Sing A Christmas Carol Too
“Christmas Time, Mistletoe and Wine” How many times have you heard this so far and its only November? A few I’ll bet, but with Christmas seemingly becoming earlier to us each year, we will no doubt feel the need to get ahead with our present and food buying. This though only leads to us spending more than we should. This is because with the shops f...

2). Adverse Credit Home Loan Tips
If you have had trouble in the past with bad debt, try looking through these tips

3). Are Secured Loans The Sensible Option?
Secured loans maybe easier and faster to obtain than many other loans

4). Are You Worried About Credit Card Debt
Properly every one of us has some sort of credit card debt, but when do we know that it’s spiralling out of control? Well one way is if you’re pay more than 15% of your monthly salary to your credit card bills then start to worry, but a worse way of dealing with this is borrowing cash from one credit card to pay another, this will only put you into...

5). Are You Worried About Credit Card Fraud
Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using their cards as there main source of paying for services and goods. It gives the criminals many ...

6). Assessing the Full Cost of a Credit Card
Credit cards do not have to end up costing you the earth. So long as you can keep your spending under control, and are able to pay off your monthly bill in full each month, your credit card will probably cost you nothing. Every purchase you make with your credit card is given an interest free period of somewhere between fifty and sixty days. This i...

7). Avoiding Credit Card Penalties
It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount to millions of dollars taken from consumers each month. They are a necessary part of all credit card operati...

8). Avoiding Credit Card Scams
Some credit card companies have some nasty surprises waiting for you in the small print. Read on to find out more.

9). Avoiding Mortgage Mistakes That Can Cost You Money
Taking out a mortgage is the biggest financial commitment many of us will make

10). Balance Transfer Credit Cards – How Good Are They?
Are you looking for ways to save yourself money? If the answer is yes then read on as I have the answer to your prayers, by changing your credit card to one that offers a balance transfer deal.

The credit card companies are looking for your business, so there has never been a better time to check out the great deals that are on offer, ...

11). Balance Transfer Disasters
There has been a rapid growth in the availability of zero per cent rates in the credit card industry. These have been caused by the combination of very low national interest rates, and the injection of fierce competition from American lenders such as Capital One. The UK credit card industry is now recognised as one of the most sophisticated and com...

12). Be Neighbourly In Your Orlando Vacation Home
People who choose to stay full time can have numerous reasons for doing so. They could be Disney employees thus enjoying the luxury of a very short journey time to work, since the majority of vacation rental villas are very well situated to access Walt Disney World and all it has to offer. Some residents own vacation homes in and around where they ...

13). Be Smart While Using A Remortgage
A remortgage can help through times of financial hardship

14). Be Smart With Your Credit Card
We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it out to see who can get the most customers and one way is to offer us 0% interest deals.

T...

15). Be Smart With Your Credit Card Debt
Credit card companies love the fact they we only pay the minimum payment every month

16). Better the Devil You Know
To save money on your credit cards, doesn’t always necessary mean that you have to switch providers to get a better deal, far from it as you can always start on your own doorstep and ask your current credit card lender if they can offer you a better deal than the one that you are getting at present.

This should be your first step if yo...

17). Budgeting with Credit Cards
These days, with so much easy credit available it is very easy to let your finances and debts get a little out of hand. Pretty much every morning when you wake up and check your mail, you will be greeted by a plethora of junk mail advertisements seeking to entice you into signing up for a personal loan, a new credit card, a debt consolidation loan ...

18). Car Loans
Buying a new car is one of the single biggest purchases most people are likely to make in their life. Other than their home and maybe their education, there is not really much personal expenditure that can compare in size to the purchase of a new car. Therefore it is not surprising that most people cannot afford to pay for a car outright. This is s...

19). Cash Back
How good would it feel if every time you spent money you got some back? Well that’s what most credit card companies are offering you at the moment, as the big credit card company’s battle out the customers can only benefit, most credit card companies offer an incentive when you open an account, including 0% on balances and purchases for the first 6...

20). Cash Back Credit Cards The Way To Cash In
Cash back credit cards are a fantastic way for you to make some cash, while spending on your credit card, though it does only suit the customers who pay their bill in full at the end of each month.

A cash back credit card will give you the chance to earn as you spend, as a percentage is returned to you on an annual basis for every poun...

21). Cash In With A Cash Back Credit Card
A cash back credit card is a fantastic way for you to make some cash, while all the time spending! Although it does only suit the customers who pay their bill in full at the end of each month.

A cash back credit card will give you the chance to earn as you spend. A percentage is returned to you on an annual basis for every pound that y...

22). Cheaper car loans
Every time you go to a car dealer to buy a car, whether it be new or used, it is highly likely that the dealer will also have on offer, various financing deals that will assist you in paying for the car. While these may seem extremely attractive, especially if you don’t think you could afford the car outright, you should always check twice to make ...

23). Credit Card Extras
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers who each offer their own benefits and advantages to their customers.

Some credit cards w...

24). Credit card fees
For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some people, for many of them their credit card provider will in fact be charging them various fees. For othe...

25). Credit Card Fraud Be Aware
Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for services and goods. It gives the criminals many ...

26). Credit Card Interest Rates
If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credit Reporting Act or FCRA as it is abbreviated. This law is primarily aimed at ensuring that peop...

27). Credit Card Minimum Payments Create Debt
A credit card minimum payment means that you can spend more and pay as little back as the credit card issuer will allow you. Sounds great in theory but it is a system that will turn out to be your worse nightmare. If you stick to it before long you will find that you have reached your limit, have nothing left to spend and all the while your past pu...

28). Credit Card Penalties
What’s the thing that seems to always happen every time you are finding it difficult to meet your credit card payments? You get slapped with a penalty fee. These fees or penalties seem to always happen just at the very moment you need them least. Someone once described a banker as a man who will lend you his umbrella, and then ask for it back as so...

29). Credit Card Rates
There are a number of factors that will effect the credit card rates you will be offered by credit card providers. Credit card providers never offer the same credit card interest rate to all of their customers, but using complex calculations of risk assessment and credit worthiness, they set a number of different rate bands, and then place each app...

30). Credit Card Stoozing – Time To Stop Snoozing
Lets stop snoozing and start “stoozing”

Do not think that we are trying to get you involved in any criminal activities here, we’re not and the whole process is legal and above board and will give you the chance to get one over on the credit card companies, who have been relieving us of our cash for many years now.

First o...

31). Credit Cards Bring Festive Cheer
Christmas is almost upon us once again and the worry of meeting the demands that it has on our finances comes to the fore. Many will get themselves into a level of debt that they cannot sustain and if it’s paid for with your current credit card or god forbid a store card, then the expenditure will be worse with the addition of the interest charges ...

32). Credit Cards For Students – The Pros And Cons
If you are a student you will incur debt with limited opportunity to work whilst studying which means you will need to take out a credit card

33). Credit Cards With An Annual Fee
Most credit card companies will offer a premium option for their credit card customers that will generally be a credit card that you will have the option of paying for. These credit cards will in most cases have a name such as a gold card or a platinum card and many customers will buy them simply for the prestige that they purport to offer. However...

34). Credit Rates
What is the first thing you look at when you receive a new offer for credit? For most people, the answer to this question is that they look at the maximum limit they can spend. In fact, what is more important, and should be the first thing you look at with any new offer of credit, is the interest rate. Credit or interest rates are decided by the le...

35). Different Types of Credit Card
The UK credit card industry has matured into one of the most lucrative and sophisticated in the world. There are now so many providers and options for customers to choose from that there should be something on the market for pretty much everyone. No matter what your personal circumstances or financial situation, you will most likely be able to find...

36). Diminish the Fear of Credit Card Fraud
There is so much credit flying about these days, that keeping tabs on the credit you have and the credit you have had in the past, would be a full time job. That’s if you decided to apply your time to it. Not only that the threat of fraud being committed in your name is becoming a bigger and bigger problem, by the minute and could lead to many prob...

37). Do you need a Credit Card?
Credit cards have exploded in popularity. There are no more credit cards and credit card options available than ever before. There are credit cards available for all kinds of borrowers and they are designed to fit a whole range of circumstances. They have many advantages and there are many good reasons why you will need a credit card, however you s...

38). Dodge Those Credit Card Fees
Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the end of the month and the bill arrives in the mail. N...

39). Easing Credit Card Worries
Credit cards getting you down at the moment, wish there was a way to ease the burden for a short while and save yourself some money in the process, well read on and find out how.

Balance transfers could be the answer to your prayers, some of the introductory deals on balance transfers are really good, some are offering 0% interest rat...

40). Finding The Best Car Loan For You
Car loans can sometimes be costly, however, by following these tips you could save hundreds

41). Flexible Mortgage Guide
Flexible mortgages are an ideal vehicle to help you plan your finances through the good and bad times

42). Getting A Better Interest Rate Is Not So Hard
If you are unhappy with the interest rate you currently receive for your credit then there are a number of steps you may wish to consider taking in order to get yourself better rates and more favourable terms. These include:

· Ensuring that you credit report is accurate and up to date
· Requesting better rates from your existing ...

43). Getting A Personal Loan With Bad Credit
It can sometimes be difficult getting a loan with a bad credit history

44). Gold Credit Cards Are Not Just For The Privileged
Gold credit cards, as with platinum cards, are a type of premium credit card that is offered by credit card companies to their preferred customers. They will also be offered to hand picked individuals that the credit card company would like to add as customers.

In practice gold cards are very similar to platinum cards and there is act...

45). Helpful Hints On Personal Loans
Are you thinking of taking out a personal loan! If the answer is yes then you have to ask yourself some questions first. This will make sure that the loan you choose is the right one to suit your needs.

Below are some of the most common questions you should be asking.

Do I really need a personal loan?
You have to as...

46). Hints and Tips On How To Apply For A Loan
Follow these hints to apply for a personal loan that suits you

47). How Fair Lending Protects Us
If you are thinking of getting short-term loans such as a payday loan then you will have different rights and you should be given a leaflet or brochure explaining your rights.

48). How To Apply For Business Loans
A business loan is essential for many new ventures, so take time to make sure your application is accurate

49). How to avoid credit card debt
There are certain things in life that you will wish to avoid if you want to have a secure financial present and future for yourself and your family. Credit card debt is certainly one of those things that you should be avoiding. People do not always realise or think about it but keeping an outstanding credit card balance is one of the most expensive...

50). How To Avoid Credit Card Penalties
It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount to millions of dollars taken from consumers each month. They are a necessary part of all credit card operati...

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