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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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I’m Stumped: 7 Perplexing Money Questions Without a Good Answer

By Len Penzo

Did you know that back in 2013, then British Prime Minister David Cameron offered $1.54 million to the first person who could solve mankind's greatest challenge? He did. However, before the challenge could officially begin, he had to wait for an ...

Continue reading I’m Stumped: 7 Perplexing Money Questions Without a Good Answer

January 25, 2021

Yes, Check Writing Still Has Its Benefits; Here’s Why

By Sabado Domingo

In the old days, people wrote checks for everything from groceries to used cars. Everybody walked around with a checkbook in their purse or back pocket because it was the primary means of conducting transactions. Not any more. Today, most people ...

Continue reading Yes, Check Writing Still Has Its Benefits; Here’s Why

October 7, 2020

3 Ways to Ensure Your Mortgage Loan Gets Approved

By Enero Febrero

Buying a home is a significant financial investment and it could be potentially stressful because of the long processes involved. Getting your dream house is often a major hassle in itself -- sometimes you'll find a house you love but it won't be ...

Continue reading 3 Ways to Ensure Your Mortgage Loan Gets Approved

September 9, 2020

4 Good Reasons Why Some Quarters Are Painted Red

By Len Penzo

Every once in awhile I'll come across something a bit arcane that will catch my eye and really make me wonder. For example, consider the pattern on the back of this cat: I know; I can't believe it either. I'll never forget the time I ...

Continue reading 4 Good Reasons Why Some Quarters Are Painted Red

September 7, 2020

5 Things Everyone Should Do Before Applying for a Mortgage

By Sabado Domingo

Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy? Applying for a mortgage is never an easy job. You can't change your income or credit history ...

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August 13, 2020

7 Big Lies About Gold that Wall Street Doesn’t Want You to Know

By Keith Weiner

It's hard to say which lie about gold is the biggest whopper. Many widely held beliefs about gold are lies -- propaganda hammered home to have us believe the only true measure of wealth is government-issued debt. Big Lie #1: Gold is a barbarous ...

Continue reading 7 Big Lies About Gold that Wall Street Doesn’t Want You to Know

July 7, 2020

What Everyone Needs to Consider Before Taking Out a Title Loan

By Enero Febrero

If you are thinking of taking out a loan, you need to decide what type of loan is best suited to your needs. Depending on your income, credit score, and circumstances, you may find that you are not eligible for all types of finance. For instance, if ...

Continue reading What Everyone Needs to Consider Before Taking Out a Title Loan

June 17, 2020

How to Avoid ATM Fees

By Sabado Domingo

Looking to avoid paying those pesky ATM fees? Here are some of our favorite ways to avoid them or get reimbursed for unwanted fees: Bank-owned ATMs One of the most straightforward ways to avoid paying fees at the ATM is to use the machines ...

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May 22, 2020

How Do Solar Loans Work? Here’s a Simple Guide

By Tex Freitag

Are you passionate about the environment? Do you yearn to make your home even greener, utilizing renewable sources of energy to not only lower your energy bill but also reduce your carbon footprint? If so, then you need to consider installing ...

Continue reading How Do Solar Loans Work? Here’s a Simple Guide

May 21, 2020

9 Legitimate Ways to Get Fast Cash If You Need Money Now

By Sabado Domingo

Now more than ever, millions of people are in need of quick cash to pay for emergencies, cover their bills, or even buy food. While that is pretty bleak, there are also now more ways to make quick money than ever before. With that in mind, here ...

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May 15, 2020

What to Consider When Trying to Get a Car Loan with Bad Credit

By Sabado Domingo

Anyone who has ever had a bad credit history and low credit score will know just what a serious impact it can have on their futures. When your credit is damaged, you may struggle to get any form of finance from mainstream lenders, and this includes ...

Continue reading What to Consider When Trying to Get a Car Loan with Bad Credit

May 13, 2020

A Startup’s Guide to Working Capital Loans: Everything to Know

By Tex Freitag

business statements with pen and calculator

According to data by the Federal Reserve, 40% of businesses have a hard time paying their operational expenses. For such business, failure to access working capital financing can lead to low or no investment in other critical operational areas for ...

Continue reading A Startup’s Guide to Working Capital Loans: Everything to Know

May 7, 2020

Is It Better to Borrow From a Bank or Private Lender?

By Tex Freitag

If you're considering a personal or business loan to get you through a financial hardship, you need to know the difference between a bank and private lender. Many people need financial help from time-to-time, and most commonly this is in the form ...

Continue reading Is It Better to Borrow From a Bank or Private Lender?

April 17, 2020

Brazilian Hyperinflation: A Reader Explains What Life Was Like

By Leasi

(Readers: In 1990, inflation in Brazil was running at 3000% per year. At that rate, a loaf of bread that cost $3 on New Year's Day would cost $93 by December 31. With that in mind, one of my readers, Leasi, had told me that she lived in Brazil during ...

Continue reading Brazilian Hyperinflation: A Reader Explains What Life Was Like

April 13, 2020

Get Cash Now: How to Cash a Check Without a Bank Account

By Sabado Domingo

If you're wondering how to cash a check without using a bank account, rest assured that you're not alone. Statistics show that around a quarter of US households either don't have a bank account, or regularly use an alternative means of check ...

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February 5, 2020

The 3 Best Ways to Transfer Money Online

By Sabado Domingo

When it comes to sending money to someone over long distances or overseas, there are many options available today, including some surprising ones you may have never even considered. Here are three of the best ways to send money abroad: The ...

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January 15, 2020

Why Getting Preapproved for a Home Loan Is Important

By Enero Febrero

Buying a home is always a stressful time and you're going to want to make sure you have the funds for closing on your dream property. The best way of making sure your funds are in place to transfer when your house purchase closes is to follow the ...

Continue reading Why Getting Preapproved for a Home Loan Is Important

December 24, 2019

5 Money Saving Tips Your Mortgage Broker Doesn’t Want You to Know

By Sabado Domingo

Buying a home is a big decision and you do not want to make a mistake while you are home shopping. That's why lots of people turn to mortgage brokers to help them through the process of finding a loan. In order to help you avoid being taken advantage ...

Continue reading 5 Money Saving Tips Your Mortgage Broker Doesn’t Want You to Know

November 15, 2019

5 Important Factors to Consider Before Applying for a Business Loan

By Sabado Domingo

Expanding or growing a business usually means paying for the increasing accounts receivable balances, buying new equipment, and paying for more manpower. However, businesses that don't have enough funds often need to consider applying for a business ...

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July 12, 2019

100 Words On: The One-Armed Bandit’s Armless Cousin

By Len Penzo

Who hasn't been fleeced by a casino slot machine? Although only Keno offers worse odds of winning, slots are by far the most popular casino game, responsible for 70% of all gambling industry winnings -- so it's really no surprise they're derisively ...

Continue reading 100 Words On: The One-Armed Bandit’s Armless Cousin

June 6, 2019

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