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Harry Langenberg

Harry Langenberg is the Co-founder and Managing Partner of Optima Tax Relief. He has over 10 years of financial services experience, including investment banking for technology-based firms at Merrill Lynch & Co. in San Francisco, CA.

articles from Harry

6 posts

10 Accounting Tricks the 1% Use to Dodge the Taxman

Published 08/25/2014 by Harry Langenberg

Legendary writer F. Scott Fitzgerald wrote a disparaging view of the rich in the opening of a 1925 short story called “The Rich Boy.”

How to coach your family to be good with personal finances

Published 08/11/2014 by Harry Langenberg

You can lead a horse to water, but you can’t make it drink. The same could be said about personal finances. You can lead a person to the bank, but you can’t make them balance their checkbook. Sound familiar?

The 5 Types Of Debt That Can Actually Help You

Published 05/21/2014 by Harry Langenberg

We are all aware that America’s appetite for too much personal debt ran our economy into the ground recently. Since the great banking collapse of 2008 we have been bombarded with the message that taking on any type of debt is a downright bad idea. In fact, the very four letter word, D-E-B-T, now carries a stigma that stinks like rotten eggs. But as with any cycle of mainstream culture, our views towards debt may have deviated well past a fair trial. In fact, given the awful reputation that personal debt has these days, the jury is out on whether it could actually be an undervalued asset worthy of a second chance.

Filipino boxer Manny Pacquiao is facing some serious tax issues–to the tune of $68 million in unpaid tax debt. Both his homeland, the Philippines, and the IRS are out to get their cut, and with his level of celebrity, his financial situation is taking a beating.

With student loan debt is rising and recent grad employment rates / wages falling, the Obama administration crafted repayment plans to help borrowers manage their student loan debt responsibly and provide relief to borrowers who struggle the most. The U.S. Department of Education launched a “pay as you earn” (PAYE) program, one of several repayment options that allow borrowers to base their payments in whole or in part on income.

Why Short Term Loans are Looking Good to Many Borrowers

Published 01/11/2013 by Harry Langenberg

Mightily encouraged by current rock-bottom interest rates, the 15-year mortgage is gaining a higher profile. The traditional 30-year home loan is still far and away from the most popular vehicle, but not as handily as it once used to be. With the New Year beginning, the average rate for a 15-year mortgage was 2.64 percent with fees (also called points) at a modest .06 percent. This compares to 3.34 percent for the 30-year mortgage and fees of .07 percent, which are also at historic lows. By sobering contrast, in 1981, the interest rate on residential property reached a dizzying 18.45 percent, with points at 2.3 percent.