Some things are seemingly impossible to explain. I mean, how do spiders know how to spin such beautiful webs? What ever inspired the construction of Stonehenge? And why is Taylor Swift so darn popular?
One particularly perplexing question that ...
Continue reading Are You Irrational About Money? This Quick Test Will Tell You!
A Primer on Bankruptcy Options and Potential Tax Liabilities
So, you are struggling financially and are curious about bankruptcy options. You've heard the rumors about those who have filed and prospered. You've also heard the tales about those who have filed and failed. Whatever the case may be, you want to ...
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5 Payment Card and E-Wallet Management Tips for First Jobbers
Landing your first job is a crucial milestone that not only jumpstarts your career, but also fulfills your financial goals. This is because having a source of income can significantly boost your cashflow. And that allows you to budget better, save, ...
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3 Financial Building Blocks That All Parents Should Teach Their Kids
No one is born knowing about money, and some people don't figure it out at any point during adulthood. That's understandable when you're taught about basic financial building blocks as a child. Readers of Len's blog have taken it upon themselves to ...
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How Home Crowdfunding May Let Millennials Live the American Dream
American millennials are making the news once again. This time, it's because the demographic as a whole can't afford to purchase homes. According to a survey by Apartment list, a staggering 80% of millennials say that they want to buy a home. Here's ...
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Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)
Hello all! My name is Mike. I'm a big time fan of Len Penzo, and it's a privilege to share some of my thoughts on his blog. I read Len's article on why choosing debit or credit is like picking salad dressing; in that post he mentioned that he always ...
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What Is a Subprime Mortgage?
What is a subprime mortgage? Well ... subprime mortgages are for homebuyers with poor or limited credit histories. Typically, this is anyone with a credit score under 620. They're also often the only type of loan available for people with good credit ...
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Lawsuit Loans: How They Work and How to Get One
Lawsuits are costly procedures, to say the least. You must pay your lawyer's legal fees while the case is being fought in court. Then there is the time factor: some lawsuits take months, even years to reach a verdict. And if you're in an accident ...
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Will Refinancing Save You Money? Here’s How to Tell
Are you considering the best ways to manage your finances while securing reliable financial support options? Lowering loan interest rates can significantly reduce your monthly payments and long-term expenses. Seeking professional advice ensures you ...
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Beware the Four Horsemen of Personal Finance
Reverend Len from the First United Church of Our Lady of Blessed Household Finances is back in his pulpit and I know you all know what that means...
Yep. It's time for another homily for my small but faithful congregation!
I've already showed ...
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Is It Better to Lease a New Car?
'Buying a brand new car is one of the bigger purchases we make -- not quite as big as buying a house, but significant none the less. But many people insist that it's actually better to lease a new car. But is it really?
For many of us, money is ...
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8 Payday Loan Alternatives That Loan Sharks Don’t Want You to Know
When you examine the numbers, it's difficult to deny that payday loans are detrimental to your finances. Yet people use them - despite the fact that there are payday loan alternatives out there. The trouble is, payday loans affect real people with ...
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What Is a Mortgage Broker (and Is One Right for You)?
What is a mortgage broker? In short, a mortgage broker is an independent middleman who finds potential customers for mortgage lenders. The mortgage broker's job is to collect all of the loan documents from a prospective borrower; he then reviews and ...
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7 Financial Literacy Tips for First-Time Credit Card Holders
Filipinos are now more prosperous and eager to spend than ever; they also hunger for financial literacy tips. For their part, Philippine credit card providers have shown themselves ready to address this need. Indeed, credit cards now offer more perks ...
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Why Your Expensive Car Doesn’t Impress Smart People
A reader named Jennifer left a comment on my blog lamenting expensive cars and the sense of entitlement she saw in many people. Here is an excerpt:
I know a woman who is a single mother and hit up her friends for money to replace the engine in her ...
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How to Get a Mortgage with Bad Credit
Are you searching for how to get a mortgage with bad credit? Well ... finding a mortgage when you have a bad credit score is not impossible. However, it usually requires the borrower to make a few concessions, such as paying a higher interest ...
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Dora the Explorer’s Five Easy Steps to Financial Health
When I was little, I loved to watch cartoons. You know, the big ones: Quick Draw McGraw, Ruff & Reddy, Mighty Mouse. OK, so I'm an old guy.
Anyway, in my youth, I did not have any interest in finance, personal or otherwise. That changed in my ...
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Understanding Crypto Debit and Credit Cards
The rise of cryptocurrency has transformed the way we think about money, offering innovative solutions for modern finance. One such solution is the cryptocurrency card, a tool that bridges the gap between digital currencies and everyday transactions. ...
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The 7 Deadly Sins of Personal Finance
I remember going to catechism as a kid and learning about the seven deadly sins. Maybe that's why an old national sin survey, conducted by a Kansas State University team of geographers, caught my attention. The provocative study measured and created ...
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Should I Pay Off My Mortgage Early?
The decision to pay off the mortgage early is always a hotly debated topic. Unfortunately, the question of "should I pay off my mortgage early?" can't be answered easily because everybody's circumstances are different. In fact, there is no right ...
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