About David Berky

Simple Joe, Inc. David Berky is president of Simple Joe, Inc. a marketing company that sells simple software under the brand name of Simple Joe. One of Simple Joe's best selling products is Simple Joe's Money Tools - a collection of 14 personal finance and investment calculators. This article may be freely distributed so long as the copyright, author's information and an active link (where possible) are included.
The Credit Card Offer

One day I got a call from my credit card company asking me if I would like to increase my credit limit by borrowing up to $9000 at their special rate of 15.9%.

Credit Card Traps, And How To Avoid Them

“0% interest* for the first six months, no annual fees** and a low fixed*** rate of only 8.9%****!”

The Proper Use Of Credit Cards

Credits cards are a convenience, not a crutch.

Credit cards are a great way to make purchases and record to the penny your spending. They also provide a way to postpone payment on items and thereby earn more interest on your money.

Save Thousands On Your Mortgage

Interest on the average home mortgage will cost the homeowner nearly TWO TIMES the cost of the home.

A Quick Guide To Operating Small (S) Corporations

Owning and operating a small business can be a very rewarding experience, emotionally as well as financially. Or it can be an absolute nightmare if you don’t structure and operate your business properly.

Try Selling Me On Your Service First

I had the opportunity recently to talk with a person who turned out to be quite a salesman. But, unfortunately, he was the type of salesman that give sales people a bad name.

Create Your Own Ultimate Debt Elimination Plan

The method is simple.
1) Set a monthly amount.
2) Pay all minimum amounts.
3) Pay extra money toward the debt with the highest interest rate.

Taxes, Taxes, Taxes: Who Really Pays The Most?

Each April our thoughts turn to the coming of spring and the coming of the tax man.

I hear a lot of people complaining about taxes at this time of year. Not just that they have to do their taxes and spend hours pouring over old records and trying to figure out indecipherable forms, but also musings and opinions about taxes in general.

Inflation: What Is It And Why Does It Happen?

“Inflation is the overall or specific increase in the cost of a good or service.”

Thank you, Mr. Dictionary.

An Emergency Fund: Your First Line Of Defense

Downsizing, rightsizing, forced retirement, layoffs, firings, outsourcing, and being made redundant.

Invest Your Home in the Stock Market

(Author’s Note: Although the stock market returns illustrated in this article are an obvious example of Greenspan’s “irrational exuberance” of 1997-2000, the concept is still valid. However I would caution anyone against investing more than they feel comfortable losing and strongly urge investors to spread their investments among other classes of assets such as real estate, bonds, precious metals, etc.)

Jekyll & Hyde Customer Service

I just got off the phone with a credit card account company. I was closing a merchant account that I no longer used. A simple transaction, or so I thought.

Cash Advance Loans: Loan Sharks In Disguise?
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You have seen them on the corner and in the poorer parts of town with names like “Quick Cash”, “Quick Loan”, “Payday Loans”, “Car Title Loans”. They are starting to sprout up all over the country and will soon rival Starbucks for sheer number of locations.

Personal Finance 101

The subject of personal finance is very broad, but as a beginning, I would like to discuss what I consider the foundations of personal finance: Security, Stability, Growth and Protection & Management.

Look Before You Leap: A Price Increase Backfires

I just got off the phone with a company that provides me a service for which I pay $600 each month.

A couple of days ago I received a letter from them saying that due to economic factors, cost increases, blah, blah, blah they were going to raise my rate by a “modest amount”.