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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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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23 Comments 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 ...

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Leave a Comment 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, ...

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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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Leave a Comment June 2, 2025

5 Tips for Saving Cash to Start a Business

By Corazon Gritar

Are you thinking of joining one of the 32 million small businesses in the United States? If so, you'll need to save money to get it going. But saving cash to start a business can be tricky. With that in mind, here are several smart tips that will ...

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Leave a Comment May 27, 2025

Running Ads for Your Side Hustle? Read This First

By Tex Freitag

ads for your side hustle

If you’ve got a side hustle and you’re running digital ads to promote it, good on you. Paid ads for your side hustle can be a powerful way to drive traffic and grow your brand. But they can also burn through your budget fast if you’re not ...

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May 20, 2025

Accounting Basics to Know Before Starting a Business

By Sabado Domingo

accounting basics to know

You don’t need to be a CPA to start a business, but there are a few accounting basics to know before you dive in can save you a lot of confusion — and potentially, a lot of money. Good financial habits don’t just keep your books clean; they help you ...

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May 20, 2025

Looking for Inflation? It’s Hiding In Smaller Package Sizes

By Len Penzo

Inflation? What inflation? The fact is, for those who are willing to look close enough, we are actually being confronted by a serious bout of deflation, at least when it comes to the size of the containers sitting on our supermarket shelves. Sadly, ...

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May 12, 2025

The Overlooked Financial Strategy That Can Strengthen Your Business

By Sabado Domingo

When it comes to managing business finances, most owners focus on the obvious priorities: covering expenses, boosting revenue, and maintaining steady cash flow. But there’s another overlooked financial strategy: finding smarter ways to make your cash ...

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May 1, 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 Business Side of NP Practice: Getting Paid Starts With Good Data

By Sabado Domingo

healthcare on a budget

For nurse practitioners (NP), the transition from clinical expertise to managing a business can be a challenging yet vital step. While providing care remains at the core of the profession, understanding the revenue cycle is critical for sustaining ...

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April 14, 2025

If You Were Elon Musk: What It Feels Like to Be a Billionaire

By Len Penzo

Who doesn't dream about being rich? I'm certainly not afraid to admit I occasionally wonder how it would feel to be independently wealthy. The World's Richest People The other day I was reviewing a list of the world's billionaires and I noticed ...

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April 7, 2025

A Primer on Bankruptcy Options and Potential Tax Liabilities

By Sabado Domingo

So, you are struggling financially and are curious about bankruptcy options. You've heard the rumors about those who have filed and prospered. You've also heard the tales about those who have filed and failed. Whatever the case may be, you want to ...

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March 26, 2025

Scale Your NP Practice with Confidence: Mastering the Basics

By Enero Febrero

healthcare on a budget

Nurse practitioners (NP) are increasingly stepping into the entrepreneurial world, opening their own practices to meet growing healthcare demands. However, success in clinical care doesn’t automatically translate into success in business. The ...

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March 21, 2025

Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)

By Mike Glanz

Hello all! My name is Mike. I'm a big time fan of Len Penzo, and it's a privilege to share some of my thoughts on his blog. I read Len's article on why choosing debit or credit is like picking salad dressing; in that post he mentioned that he always ...

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March 17, 2025

The Most Profitable Practice Models for Nurse Practitioners

By Sabado Domingo

Nurse practitioners (NPs) are increasingly carving out their own space in the healthcare industry, leveraging their expertise to establish profitable and sustainable practice models. With a growing demand for quality healthcare and an increasing ...

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March 14, 2025

How to Protect Your Designs from Copycats Without Wasting Time & Money

By Sabado Domingo

protect design from copycats

In today’s fast-paced and highly competitive creative world, the need to protect your designs from copycats is more important than ever. With the rise of global markets and digital platforms, copycats can easily replicate your original work. This can ...

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March 10, 2025

10 Reasons Why You Don’t Need a College Degree to Succeed

By Mikey Rox

For your whole life you've been told that you won't get very far without a college education. Well, I'm here to break your heart: they lied. Despite your youthful indoctrination to the contrary, here are some really good reasons why you don't need ...

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March 4, 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

How to Use Competitive Intelligence to Your Advantage

By Sabado Domingo

When it comes to business, success depends on staying ahead of the competition. The know-how that helps achieve this is competitive intelligence. Whether it is planning a strategy, improving product features or providing better customer service, a ...

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January 1, 2025

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