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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

10 Things We Can’t Live Without – But Our Grandmas Did!

By Len Penzo

Last week my Gen Z kids and I were discussing modern conveniences that my grandparents didn't have. I think most people today would agree that life would still go on if we didn't have consumer products and services like GPS devices, plastic sandwich ...

Continue reading 10 Things We Can’t Live Without – But Our Grandmas Did!

December 15, 2025

7 High-Paying Tech Jobs That Desperately Need Women

By Mikey Rox

With male domination in certain corporate sectors, it's nice to know there are still plenty of incredible careers waiting for intelligent, ambitious women of all ages. In particular, tech-based employers are looking for women to diversify their ...

Continue reading 7 High-Paying Tech Jobs That Desperately Need Women

November 11, 2025

Smart Home Investments: How to Cut Costs and Boost Efficiency

By Corazon Gritar

In an era where efficiency and cost-saving are crucial, investing in a smart home is becoming increasingly attractive to homeowners. The concept of a smart home is not only about having the latest technology but also about making strategic decisions ...

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September 15, 2025

Insurance Systems Supported by Rules Engine Technology

By Enero Febrero

Traditional systems based on hard-coded logic cannot keep pace with these demands. Modern rules engine technology transforms how insurers configure products, calculate premiums and manage compliance. In the insurance industry, speed, transparency, ...

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September 2, 2025

4 Ways Social Media Use Makes You Vulnerable to Identity Fraud

By Anum Yoon

Most of us use at least one form of social media to stay in touch with friends and family we don't get to see every day. Whether it's Facebook, Snapchat, Twitter, or Instagram, social media gives us the ability to share updates with all our friends ...

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August 19, 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

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 ...

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

June 18, 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, ...

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June 3, 2025

The Real Reason Office Tech Issues Take Forever to Get Fixed

By Sabado Domingo

If you’ve ever logged a ticket for a broken printer, a frozen laptop, or a dodgy Wi-Fi connection — only to wait days for a fix — you’re not alone. In fact, office tech issues are quite common. For many workplaces, tech support delays are a daily ...

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June 2, 2025

A New Homeowner’s Guide to Smart Electrical Use

By Corazon Gritar

Becoming a new homeowner comes with many exciting changes and challenges, one of which is managing your home’s electrical use. From understanding your utility bills to planning future upgrades, smart electrical practices can save you money, reduce ...

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May 27, 2025

How Your Wallet Benefits From Modern AC Units

By Corazon Gritar

Feeling dizzy after opening a midsummer power bill usually points to an aging air-conditioning (AC) system working harder than it should. Replacing that gulping, outdated unit with today’s high-efficiency technology does more than cool rooms faster - ...

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May 14, 2025

How to Keep Up With Financial Trends Without Getting Lost in the Jargon

By Sabado Domingo

The world of finance moves quickly. And if you’re not careful, it can feel like trying to keep up with a different language. Between inflation rates, interest hikes, cryptocurrency swings and market volatility, it’s easy to get overwhelmed and switch ...

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May 2, 2025

How Enterprise Workflow Automation Saves Companies Big Money

By Sabado Domingo

You’re running an enterprise, and inefficiencies are bleeding your budget dry; manual data entry, endless email chains, and approvals that take weeks. It’s chaos, and it’s costing you. Enterprise workflow automation tools are your way out, ...

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April 24, 2025

The Most Talked-About Altcoins in the Market Right Now

By Sabado Domingo

The cryptocurrency world constantly shifts, with new and existing altcoins making headlines as their technology evolves and market movements gain traction. Some altcoins are capturing significant attention due to rising adoption, project updates, or ...

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April 11, 2025

How Small Businesses Can Cut Costs With Merchant Services

By Sabado Domingo

Merchant services aren't usually something a business loves. After all, it seems a scam to pay for something as integral to your business as receiving and processing customer payments. Worse, plenty of merchant account providers charge exorbitant ...

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February 26, 2025

HVAC Career: Some High School Students Are Getting a Head Start

By Corazon Gritar

While most people are gearing up for the winter weather with warm clothes and jackets, one high school teacher is hoping to teach his students about the ins-and-outs of a homeowner's winter lifeline. That lifeline is better known as the Heating, ...

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February 11, 2025

A Tribute to the Vanishing Pay Phone

By Len Penzo

Maroon 5 has a song entitled "Payphone" and, every time I hear it, I can't help but wonder how many of their fans have ever used one. That got me to wondering: How many pay phones are there today? (To be clear, I'm talking about working public pay ...

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January 20, 2025

Education Spending: How Much Should Parents Spend on Technology?

By Anum Yoon

Back to school shopping isn't what it used to be. Not too long ago, when it came to education spending, the most technologically advanced product that a parent would buy their kid was one of those bulky graphic calculators. Now, that almost seems ...

Continue reading Education Spending: How Much Should Parents Spend on Technology?

January 14, 2025

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