“An ounce of prevention is better than a pound of cure.” So said Benjamin Franklin, who didn’t have to live through 2020 and eat his way through 32 pounds of home-baked bread. But he was on to something. What he suggested was that we should deal with a problem by putting in a bit of time and planning upfront, instead of constantly ducking like we’re living in a real-life game of whack-a-mole.

Ben Franklin said, "Tell me and I forget. Teach me and I remember. Involve me and I learn." When I found that quote I realized something: it sums up PenFinancial’s wealth advising nicely, especially for young investors. We offer a personalized education to empower you and help you achieve your dreams.

Remember back in the day? “But wait… there’s more! With only 10 easy payments of $19.99, you receive not one, but TWO snuggies!”

The idea of making small and easy payments after receiving an item was almost thought of as a bit of a joke or meme.

However, I recall a couple of years ago purchasing an iPhone on the Apple website. On the checkout page, I was surprised to see the option of paying it off in 4 equal monthly payments. No fees or interest, they said. Lately, I’ve started seeing this option on more and more websites: Wayfair, Amazon, Best Buy.

As life continues to return to “normal”, whatever this new normal looks like, we are seeing an increase in people asking about improving their credit score. Your credit score may have been impacted throughout the pandemic for a variety of reasons, but let’s focus on moving forward and improving it.

When it comes to personal finances, Canadians have a lot of choices. It can be overwhelming. While there are plenty of options to choose from, have you considered a credit union?

Credit is a staple in our modern world. And many of us have been impacted by the COVID-19 pandemic over recent months. As businesses begin to open up, we thought it would be an appropriate time to discuss some ways to improve your credit score. Gone are the days of buying a home with two bags of flour and a handshake. You need credit to qualify for big-ticket items like cars and homes, and often for smaller items, like mobile phones. Your credit score determines whether financial institutions and other lenders will give you money for such purchases.

Team ENERGI is changing lives. ENERGI stands for “Enterprise Niagara for Employment Resources and ‘Green’ Initiatives” – and a whole lot more. Since 2009, the Team ENERGI program has delivered life skills workshops, employment supports, and hands-on work experience to youth facing barriers to employment in Niagara.

Let’s play a game that you may have seen on Ellen: Never Have I Ever. Raise your hand (and hide behind it if you have to) if any of these apply to you!

It happens to the best of us: poor credit. It isn’t hard to develop. One unpaid $100 mobile phone bill and 4 years later, and your credit history is poor enough to make a banker shut their laptop so fast it blows your hair back. No loans for you. No mortgage.  No line of credit. No further questions.

The winds in Niagara are blustery this month, and they were really whipping around as I attended the International Women’s Day event. I braved the winds because I was excited to attend this annual event put on by the Women in Niagara council. The event is a great opportunity to empower, educate, and celebrate women. Kind of like I do everyday, but in this venue with a room full of inspiring women.