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What to Know about the Pawnshop Experience

Customers start by pledging property as collateral, and in return, pawnbrokers lend them money. When customers pay back the loan, their collateral is returned to them. Pawn loans are typically made on gold and diamond jewelry, gold coins, fine watches, and silverware. If the customer chooses to not redeem his or her collateral or cannot […]

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What Happens when the Bank says NO

Loans from a bank might sound appealing when you need a loan, but slow application processes and high fees and interest don’t make them the best option in a pinch. Typical bank loans can take weeks to get approval. Compare that to most pawn shops where you can get a loan in under 20 minutes. In […]

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Cheap Travel & Vacation as a Chinese Immigrant

We all want a vacation, regardless of whether we are a new immigrant in Queens or a lifetime New Yorker. Unfortunately, not everyone always has the extra cash to get away. Documents for travel, like passports, are also not always available to new immigrants. Immigration status or budgeting shouldn’t keep immigrants, New Yorkers and their […]

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Everything You Want to Know About the 4th of July

Let the American Eagles fly and the red, white and blue outfits shine! It’s almost time for Independence Day and that means the 4th of July Fireworks are around the corner. This celebration is one of the most exciting events to experience in NYC. Short on cash? No worries, Provident Loan Society is there to […]

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Financial Empowerment for the Chinese Immigrant

Flushing, Queens is full of opportunities for new immigrants from East Asia. The Flushing Business District is home to many Chinese businesses that operate within the Chinatown neighborhood. Flushing has the highest Chinese population outside of mainland China, according to the 2010 U.S. Census. There is immense opportunity for financial success within the New York Chinese […]

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Building Credit as a New Immigrant in Flushing

Immigrants moving to Flushing, Queens can often feel lost when it comes to their new life in America. Many new immigrants don’t have credit to borrow money from a bank, or from a credit card. Here are four tips that Chinese immigrants can follow to build credit over time.

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Best Places to Enjoy NYC Outdoors

Put on your sandals, grab a new swimsuit and take off those vacation days. NYC is the place to enjoy the outdoors this summer. And there are many fun places to relish the sun while you enjoy the great outdoors. Here’s a list of the best places to enjoy the summer sun in NYC. If […]

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Robert W. de Forest – Captain of Philanthropy, Part 2

In a previous blog, I provided a brief introduction to the lineage of Robert W. de Forest, the first president of The Provident Loan Society. His family was among the first Walloon emigrants to settle in NYC in 1637. An industrious group, they prospered as tobacco farmers, malt liquor brewers, shipping merchants, and businessmen, and […]

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Unconventional Engagement Rings – Part 2

In my last blog, I discussed alternatives to traditional engagement rings, including stones set low in a wide band, metal bands with intricate engravings, and “poesy” rings inscribed with a romantic message on the inside, outside, or both. In this blog, I offer two more engagement ring options to consider.

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Borrowing Money from Family? Probably not a good idea

If you want to keep the family love intact, you may want to refrain from borrowing money from relatives. Likewise, if you want a better return on your money, don’t lend money to family members. A recent CNBC article reported that only 57 percent of people who lend money to relatives get it back. And […]

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