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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

5 Reasons Why Banks Aren’t the Best Bet for Start-Up Loans

By Tex Freitag

The growth of startups worldwide has been nothing short of phenomenal over the last five to ten years. That growth is reflected in funding, which grew some 1400% between 2012 and 2017. Venture capitalists and lenders pumped $15 billion into US ...

Continue reading 5 Reasons Why Banks Aren’t the Best Bet for Start-Up Loans

November 23, 2018

What You Need to Know Before Hiring a Concrete Contractor

By Enero Febrero

If you're like most people, you may have the perception that a contractor may be expensive. You may be thinking that it would be nice to not have to do something yourself, but is it actually worth the money to pay the contractor? Thankfully, there ...

Continue reading What You Need to Know Before Hiring a Concrete Contractor

November 16, 2018

100 Words On: The Best Time to Start a New Business

By Len Penzo

It's not unusual for budding entrepreneurs to fret over the best time to start a new business, especially during economic downturns when even the most self-assured impresarios often become paralyzed with doubt. They shouldn't. After all, there are ...

Continue reading 100 Words On: The Best Time to Start a New Business

October 11, 2018

How to Use Cryptocurrency to Improve Your Business Finances

By Sabado Domingo

Business owners around the globe have turned to cryptocurrency to improve their finances. When you consider the fact that cryptocurrency is gaining popularity at a very fast pace, it is no wonder why some businesses are beginning to accept it as a ...

Continue reading How to Use Cryptocurrency to Improve Your Business Finances

October 3, 2018

3 Successful Sectors to Explore in the B2B Space

By Sabado Domingo

As early as 2015, Think with Google found that millennials were making nearly half of all business-to-business (B2B) decisions. Obviously, that meant focusing more on e-commerce stores and social media. So what's most noticeable about B2B ...

Continue reading 3 Successful Sectors to Explore in the B2B Space

August 24, 2018

The Road to $1 Trillion: A List of Major Market Cap Milestones

By Jeff Desjardins

The market continues to buzz about Apples $1 trillion market valuation. It's an incredible amount of wealth creation in any context -- but getting to 12 zeros is especially impressive when you consider that Apple was just 90 days from declaring ...

Continue reading The Road to $1 Trillion: A List of Major Market Cap Milestones

August 15, 2018

7 Tips for Buying Business Assets with the Highest ROI

By Sabado Domingo

As a business owner, you are constantly on the lookout for ways to increase the profitability of your enterprise. After all, the reason you started a business in the first place was to make money and you certainly don't want to take any actions that ...

Continue reading 7 Tips for Buying Business Assets with the Highest ROI

August 7, 2018

How to Become a CEO Without Getting Carried Away on Spending

By Enero Febrero

If you're working hard to forge a successful career within a company, then the chances are that you dream of being a CEO one day. These captains of industry are very often considered to be the pinnacle of career aspiration for the power, status and ...

Continue reading How to Become a CEO Without Getting Carried Away on Spending

July 31, 2018

Get Access to Free Invoice Templates for Word, PSD, Excel, and PDF

By Enero Febrero

An invoice is a bill to a customer for the sale of a service or product delivered though payment that hasn't been completed yet. For that reason, invoices are great reminders about payments due, and confirmation tools that goods or services have been ...

Continue reading Get Access to Free Invoice Templates for Word, PSD, Excel, and PDF

July 20, 2018

How 2 People Built Online Businesses to Achieve Financial Independence

By Brian Davis

I love hearing the unique stories about how multiple people reached financial independence or retired early (FIRE). Sure, the Internet is great for cat videos and political rants on Facebook. But for some people, it's also a giant money-making ...

Continue reading How 2 People Built Online Businesses to Achieve Financial Independence

July 10, 2018

The Pros and Cons of Working from Home

By Sabado Domingo

There are plenty of reasons someone might choose to work from home. Perhaps you've started up your own internet business. Perhaps your boss has decided to let you telecommute at least part time. Maybe you've been hired as a full time telecommuter for ...

Continue reading The Pros and Cons of Working from Home

June 20, 2018

Where to Find Help When Your Business Has Tax Troubles

By Enero Febrero

Being an entrepreneur is challenging enough without the added trouble of a huge tax liability hanging over your head. Difficulties with business taxes can be both stressful and expensive to sort out. However, one important thing to remember is that ...

Continue reading Where to Find Help When Your Business Has Tax Troubles

June 8, 2018

The Art of the Side Hustle: Overlapping Your Day Job with Entrepreneurship

By Tex Freitag

ads for your side hustle

Very few businesses today are started by those without existing careers. Instead, many choose to take a well-paid job and then create another business in their spare time, only to go full-time when they're confident. In principle, the side hustle ...

Continue reading The Art of the Side Hustle: Overlapping Your Day Job with Entrepreneurship

May 29, 2018

A Look at the Economic Importance of the Trucking Industry

By Tex Freitag

We live in an economy today that is very different from those of years gone by. Technology has made it possible for consumers in almost any location to buy products from retailers in almost any other location, with minimal costs to both. In this ...

Continue reading A Look at the Economic Importance of the Trucking Industry

May 18, 2018

Don’t Get Zapped: 3 Ways the Right Insurance Limits Electrician Expenses

By Enero Febrero

Unsurprisingly, electricians face severe risks in their line of work. The tiniest mishap can lead to significant bodily harm, not to mention massive financial losses. As an electrician, therefore, protecting yourself with proper insurance is as ...

Continue reading Don’t Get Zapped: 3 Ways the Right Insurance Limits Electrician Expenses

May 9, 2018

Why Spending Money on Your Website Doesn’t Guarantee Visitors

By Tex Freitag

So ... you've spent money on the best web developers and graphic designers to make your website look and function spectacularly. Good! But before you expect the visitors to come pouring in, there's much more work to be done. How will people find ...

Continue reading Why Spending Money on Your Website Doesn’t Guarantee Visitors

February 23, 2018

What is Director Disqualification and How Can You Avoid It?

By Sabado Domingo

The following guide is likely to be useful to those recently promoted to the position of Company Director of a business, or directors who want more information about their rights. Director disqualification happens when directors are reported as unfit ...

Continue reading What is Director Disqualification and How Can You Avoid It?

January 19, 2018

6 Tips That Can Help You Avoid Pyramid Marketing Schemes

By Sabado Domingo

Pyramid schemes are in the news, with the recent lawsuit against LuLaRoe bringing fresh attention to the issue. If you're in the market for a side hustle or direct marketing opportunity, you need to be conscious of the difference between a legitimate ...

Continue reading 6 Tips That Can Help You Avoid Pyramid Marketing Schemes

January 5, 2018

What is Tourism Marketing and How Can It Help My Business?

By Sabado Domingo

Is your business in the travel sector, offering experiences, or helping customers achieve the vacation of a lifetime? You would certainly benefit from specific tourism marketing -- but its methods aren't only useful for dedicated travel ...

Continue reading What is Tourism Marketing and How Can It Help My Business?

December 22, 2017

5 Ways to Make Your Business Greener While Increasing Profits

By Enero Febrero

Most business owners and managers who have their eyes on the prize are well aware reducing the environmental impact of their business is one of the best things they can do. Business owners can respond flexibly to the demands of the changing planet. ...

Continue reading 5 Ways to Make Your Business Greener While Increasing Profits

December 14, 2017

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