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Clever Dude Personal Finance & Money

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Brock Kernin

Brock Kernin is a software engineer and personal finance writer who paid off more than $100,000 in credit card debt through disciplined budgeting and debt-management strategies. Drawing on that experience, his BA degree and years of practical writing, he contributes clear, actionable money guidance to CleverDude focused on everyday financial decisions, frugal living, and long-term stability.

Finances & Money

IRS Announces Changes to 401(k) and IRA Limits for 2018 Tax Year

October 23, 2017
By Brock Kernin
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If you're saving for retirement, you're likely taking advantage of financial products that may have employer matching contributions, or provide tax breaks. If you fall into this category (and you should!) the terms 401K, Traditional IRA and Roth IRA … [Read more...] about IRS Announces Changes to 401(k) and IRA Limits for 2018 Tax Year

Financial Education

Always Check Your Itemized Receipt!

October 20, 2017
By Brock Kernin
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I've never seen my wife open up her purse and hand a complete stranger $60. Think about what it would be like to open up your wallet or purse, take out three crisps to the touch twenty dollar bills and just hand them to someone for no reason at all. … [Read more...] about Always Check Your Itemized Receipt!

Credit

Beware Of Zero Percent Interest Credit Card Offers

October 18, 2017
By Brock Kernin
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  The headline read, “Crush Your Debt With This 21 Month, 0% Interest Credit Card.” For someone trying to get out of debt, this sounds like a dream come true. But a person has to have their eyes wide open as to what they're getting … [Read more...] about Beware Of Zero Percent Interest Credit Card Offers

Spending

Beware Of The Sale

October 16, 2017
By Brock Kernin
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  A sale doesn't always save you money. That might seem counter-intuitive as by definition a sale is reducing the price of an item. Sometimes a sale may tempt a person to buy something they will regret later. It was just this kind of … [Read more...] about Beware Of The Sale

Net Worth

Jim Jones Net Worth

October 13, 2017
By Brock Kernin
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  Jim Jones, born Joseph Guillermo Jones II, is an American hip hop artist born July 15th, 1976. He was an original member of The Diplomats, has released several albums, and has also ventured into other business opportunities. Jim Jones's net … [Read more...] about Jim Jones Net Worth

Debt

No More Debt! 6 Radical Debt Reduction Strategies

October 11, 2017
By Brock Kernin
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Many people dream of having no more debt. For some, it remains nothing more than a dream, others take deliberate action to gradually pay off all their debt. For a select few, it becomes an all-consuming obsession. They will do everything and anything … [Read more...] about No More Debt! 6 Radical Debt Reduction Strategies

Financial Education

Hard Vs. Soft Credit Inquiries and How They Affect Your Credit Score

October 9, 2017
By Brock Kernin
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Whenever you apply for credit, whether it be for a mortgage, a car loan, or a credit card, the lender will pull your credit. However, not all credit pulls are the same. You may have heard the terms soft pull, and hard pull but not really understood … [Read more...] about Hard Vs. Soft Credit Inquiries and How They Affect Your Credit Score

Financial Education

Beware Of Preauthorization Holds

October 6, 2017
By Brock Kernin
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I received an email stating my son's checking account balance was below zero. Reviewing his account activity, I knew exactly what had occurred. We needed to have a conversation about preauthorization holds vs a transaction actually posting to his … [Read more...] about Beware Of Preauthorization Holds

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