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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

When Does a Hobby Turn Into a Business?

By Tex Freitag

Most of us dream of having a full-time occupation that not only keeps our finances healthy, but also indulges our creative tendencies too. And many lucky entrepreneurs manage to turn their pastimes into lucrative occupations. In fact, it's amazing ...

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6 Comments February 11, 2026

Why CPA-Level Accounting Is the Foundation of Long-Term Business Success

By Enero Febrero

long-term business success

Behind every successful business is a foundation of precise accounting. But in the rush to grow, many entrepreneurs underestimate how critical professional financial management truly is. CPA-level accounting from TYM Business Consulting brings the ...

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November 10, 2025

Outrageous Pizza Delivery Fees Are Here to Stay (and It’s Your Fault)

By Len Penzo

I love sleight of hand tricks. Occasionally, a coworker of mine named Fred will stop by my office and regale me with some truly amazing acts of prestidigitation. I'm always left in awe every time he seemingly pulls a coin out of thin air – or ...

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November 10, 2025

Traveling Notaries: The Perfect Solution for Busy People

By Enero Febrero

traveling notaries

You're juggling keys, coffee – and a contract for a new home that can't wait. That's precisely the time when you need a traveling notary to lighten your load and reduce some stress. With a quick tap, you can book an in person visit or a secure video ...

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October 31, 2025

How Smart Small Business Owners Avoid Falling Behind

By Tex Freitag

accounting basics to know

Running a business can feel like spinning plates. You start the day full of energy, but by mid-afternoon you’re buried under invoices, emails, and to-do lists that never seem to shrink. Many business owners know this feeling well — that creeping ...

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October 31, 2025

Amazing Small Business Ideas Anyone Can Do

By Patrick Ward

Starting a business is one of the toughest ordeals. There's a number things to think about all of which will determine how well one begins. Picking the right business may also not come in automatically. Times have changed and so have businesses. The ...

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October 1, 2025

Why Personal Deficit Spending Can Actually Be a Good Idea

By Neal Frankle

Most personal finance bloggers extol the virtues of frugality and I'm normally among them. It's true. People generally get wealthy (and more importantly stay wealthy) because they learn to live well below their means. But sometimes, personal deficit ...

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September 17, 2025

What Were They Thinking? The 10 Biggest Grocery Product Flops!

By Len Penzo

While it's true that companies must constantly innovate in order to stay viable and maintain market share, it's also true that not every idea that comes out of corporate research and development departments will be a huge success. Of course, the ...

Continue reading What Were They Thinking? The 10 Biggest Grocery Product Flops!

September 8, 2025

The Shark Tank Formula For Startup Success

By Ivan Serrano

Over the course of ABC's reality TV show Shark Tank, business dreams have turned into a reality for many entrepreneurs looking for startup success. Shark Tank highlights the ups and downs the process entrepreneurs must go through in order to ...

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September 3, 2025

Family Business Partnerships: How to Keep Them from Tearing the Family Apart

By Mikey Rox

Thinking about going into business with a family member? Tread lightly; one disagreement could rip that relationship to shreds. Fortunately, you can give yourself the best chance of success by following a few key tips that are designed to keep a ...

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August 5, 2025

Sharing Economy Companies That Can Help You Earn Extra Income

By Barney Whistance

If you're like some Americans, you may be struggling to make ends meet, living paycheck to paycheck without much savings to speak of. When you're in that kind of situation, every little extra bit of income helps. Thankfully, there are sharing economy ...

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July 30, 2025

4 Things Everyone Needs to Know Before Pitching a Client

By Enero Febrero

It doesn't matter what line of work you're in; if it comes down to working with clients, making sales, or even getting everyone on board, then you need to know how to manage your clients. That's exactly why you should take the time to study and ...

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July 16, 2025

Common Pitfalls in Business Operations and How to Avoid Them

By Sabado Domingo

business operation pitfalls

Running a business isn't just about having a great product or service. You also need to get all the behind-the-scenes operations right. From managing finances to handling employees and staying compliant with regulations, the success of your business ...

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July 14, 2025

Good Personal Finance Habits Everyone Should Follow

By Len Penzo

There are good habits and there are bad habits - and I have a lot of bad habits. For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass -- then walking away and leaving ...

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July 7, 2025

5 Reasons Freelancers Outgrow Free Accounting Tools – and Next Steps

By Sabado Domingo

You start small. Maybe a couple of clients. A few invoices each month. You snag a free accounting tool like Wave or ZipBooks and it works. It's easy. It's free. But then something happens: You grow. More clients. More projects. Higher earnings. ...

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July 3, 2025

Starting a Side Hustle? Ask Yourself These Questions

By Corazon Gritar

iWhen starting a side hustle as a small business, there will be many ways to potentially invest your money. From packaging to shipping to marketing materials, and it can be hard to determine what is and isn't worth it. This post will help you ask the ...

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July 1, 2025

Time to Market in Insurance: How Rule Engines Enable Faster Product Launches and Modifications

By Sabado Domingo

Insurance products are defined by hundreds of variables and business rules covering everything from risk packages and pricing to eligibility and legal clauses. Managing this complexity with traditional, static systems often leads to chaos, slow ...

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June 26, 2025

The Most Popular Beatle Is George Harrison; Here’s Why

By Len Penzo

Although I was born after the Beatles first set foot in America, that never kept me from being a huge fan of the band. Like most fans, I own the entire Beatles catalog. In fact, over the years I've bought it twice -- once on cassette tape and a ...

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June 18, 2025

5 Red Flags That Your Accountant Isn’t Right for You

By Enero Febrero

An accountant is meant to help smoothly guide you through your personal or professional financial journey. They’ll gather financial documentation, prepare you for tax filing, and ensure that you’re compliant with all tax laws. A good accountant will ...

Continue reading 5 Red Flags That Your Accountant Isn’t Right for You

June 16, 2025

When Should an Insurance Company Move Its Business Rules to a Rules Engine?

By Enero Febrero

Insurance products are among the most complex financial instruments, governed by a vast array of rules and conditions. These rules dictate everything from underwriting criteria and pricing to claims validation and risk assessment. Traditionally, ...

Continue reading When Should an Insurance Company Move Its Business Rules to a Rules Engine?

June 3, 2025

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