The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, preapproved homebuyers are far more attractive to sellers than shoppers who ...
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5 Online Side Hustles You Can Start with Minimal Investment
These days, earning money isn't limited to a traditional 9-to-5 job. With the rise of digital platforms, more people are exploring passive income ideas that provide flexibility, financial independence, and long-term wealth. The best part? Many online ...
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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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Black Coffee: Everybody Knows
It's time to sit back, relax and enjoy a little joe ...
Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance.
Well ... another busy week is behind ...
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The Most Profitable Practice Models for Nurse Practitioners
Nurse practitioners (NPs) are increasingly carving out their own space in the healthcare industry, leveraging their expertise to establish profitable and sustainable practice models. With a growing demand for quality healthcare and an increasing ...
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Grandfather Says: The Continuing Chronicles of Elaine, Part 62
The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage:
In November 1999, Dave and I were at Cape Hatteras just after the lighthouse had been moved, and we happened to be there for the ...
Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 62
6 Big Home Seller Mistakes That Turn Off Potential Homebuyers
When a potential buyer walks through your front door, what do they see? First impressions are really important, and many buyers will know within seconds whether the place is right for them. However, there are certain things that'll put buyers off ...
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5 Affordable Ways to Upgrade an Outdated Bathroom
A wise man once said, "You go to take a shower with the bathroom you have -- not the bathroom you might want or wish to have at a later time." Perhaps we're paraphrasing, but how happy are you with your current master bathroom? This should be your ...
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How to Protect Your Designs from Copycats Without Wasting Time & Money
In today’s fast-paced and highly competitive creative world, the need to protect your designs from copycats is more important than ever. With the rise of global markets and digital platforms, copycats can easily replicate your original work. This can ...
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The Leprechaun and the Lamborghini
Here is my St. Patrick's Day variation on a very old story that's been passed down and told many times.
The Leprechaun and the Lamborghini
One day, not too long ago, a leprechaun disguised as a businessman walked into a bank in New York City and ...
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Black Coffee: Brought to You By the Letters M, B and T
It's time to sit back, relax and enjoy a little joe ...
Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance.
I hope everybody had an enjoyable week. ...
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Why People Prefer to Make Anonymous Payments
In an increasingly digital world, financial transactions have evolved significantly. While traditional banking and payment methods still dominate, a growing number of individuals prefer to make anonymous payments. This trend is driven by multiple ...
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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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10 Reasons Why You Don’t Need a College Degree to Succeed
For your whole life you've been told that you won't get very far without a college education. Well, I'm here to break your heart: they lied.
Despite your youthful indoctrination to the contrary, here are some really good reasons why you don't need ...
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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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Black Coffee: Seeing Is Believing
It's time to sit back, relax and enjoy a little joe ...
Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance.
I've got another busy weekend ahead of ...
Continue reading Black Coffee: Seeing Is Believing
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