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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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News Analysis: The Changing Landscape for Big Corporations

By Enero Febrero

Over the past decade we have started to see a major shift in the landscape for some of the largest corporations in the United States. Ever since the financial crisis of 2008, the country has been torn between wanting the economy to recover, and ...

Continue reading News Analysis: The Changing Landscape for Big Corporations

November 15, 2023

5 Key Points to Consider Before Signing a Contract

By David Bakke

It's not uncommon to see offers like these on a daily basis: "Get a new iPhone for only $99; requires two-year contract," or "Get DIRECTV for only $59.99 a month for six months; requires a one-year commitment." These teasers may sound great, but ...

Continue reading 5 Key Points to Consider Before Signing a Contract

November 8, 2023

5 Ways to Fund a Small Business Without Bank Loans

By Sabado Domingo

Most people dream of opening the doors to their own bookstores, record shops, accounting offices, and more, but very few ever achieve such a feat for a very good reason: lack of funding. Small businesses require quite a bit of capital to get off the ...

Continue reading 5 Ways to Fund a Small Business Without Bank Loans

November 1, 2023

Financial Lifelines: Loan Types for Small Businesses and When to Get One

By Sabado Domingo

For all businesses, adequate money is vital in keeping operations afloat and obtaining many opportunities for upscaling and growth. Many businesses partner with banking institutions and lenders to fund their operations, especially startups and ...

Continue reading Financial Lifelines: Loan Types for Small Businesses and When to Get One

October 26, 2023

How To Keep Your Workplace Safe For Employees

By Corazon Gritar

No matter what industry you work in, your employees form the backbone of your company; their health and safety is crucial to your company's profits and public image. However, outside of following industry regulations, many business owners don't know ...

Continue reading How To Keep Your Workplace Safe For Employees

October 3, 2023

My 13-Year-Old Daughter Shares Her Financial Fears

By Lenina Penzo

I'm only 13 and I'm worrying about my future. Not in an academic kind of way, but in a financial one. Yes, kids have financial fears too! That's because there are certain things that terrify me about growing up and living on my own. Here is a list of ...

Continue reading My 13-Year-Old Daughter Shares Her Financial Fears

September 25, 2023

Why I Run My Household Like a Business (and Why You Should Too)

By Len Penzo

Before I started my blog, I spent my free time as a dedicated volunteer for Little League baseball. And although I rose through the ranks over the years to eventually become a league president, looking back, my fondest Little League memories still ...

Continue reading Why I Run My Household Like a Business (and Why You Should Too)

August 28, 2023

Why Making a Good First Impression Is Important

By Len Penzo

Like it or not, when it comes to evaluating others, people tend to form an opinion within 30 seconds of meeting someone for the first time. Unfortunately, that resulting initial impression is generally extremely difficult to reverse should we start ...

Continue reading Why Making a Good First Impression Is Important

August 24, 2023

Identifying Small Business Money Leaks: Is Your Store Losing Money?

By Corazon Gritar

No matter the size of your business, you want to make sure you're spending money as efficiently as possible to help you and your company thrive. However, plenty of small businesses find themselves losing money in places they might not always expect ...

Continue reading Identifying Small Business Money Leaks: Is Your Store Losing Money?

August 8, 2023

The Role of BPO Service Providers in Digital Transformation

By Tex Freitag

Businesses increasingly embrace digital technologies to revolutionize their operations, improve customer experiences, and stay competitive. Business Process Outsourcing (BPO) service providers are a critical player in this transformative journey. ...

Continue reading The Role of BPO Service Providers in Digital Transformation

July 31, 2023

Good Financial Management: How to Make Yourself Richer by Understanding Money

By Sabado Domingo

Good financial management basically means taking the correct approach to your finances which in turn can help you to increase your net worth, to avoid financial difficulties and generally to be better off. Many of us think of good financial ...

Continue reading Good Financial Management: How to Make Yourself Richer by Understanding Money

July 26, 2023

Benefits for Businesses That Allow Employees to Work from Home

By Enero Febrero

According to Strategic Business Insights, the trend toward working from home and the virtual workplace is still continuing to increase. Of course, working from home offers significant benefits in terms of a business's ability to work with employees ...

Continue reading Benefits for Businesses That Allow Employees to Work from Home

May 17, 2023

How to Manage Employee Payrolls Effectively

By Enero Febrero

Payroll management is something that is both basic and complex at the same time. But it's something that every employer has to deal with -  so it's vitally important to get it right. The trouble is, many first-time business owners have no idea how to ...

Continue reading How to Manage Employee Payrolls Effectively

May 10, 2023

How to Make Your Business More Secure on a Budget

By Corazon Gritar

When you're running a small business, you need to deal with a stream of complex issues. For example, how do you make your small business more secure? It's important that you take the time out of your busy schedule to prepare your company finances. ...

Continue reading How to Make Your Business More Secure on a Budget

May 9, 2023

How to Stop Junk Mail Easily: What Marketers Don’t Want You to Know

By Len Penzo

Like most people concerned about identity theft, I occasionally gather up any documents with sensitive personal information I've accumulated over time and run them through the paper shredder. As usual, most of it was junk; courtesy of the United ...

Continue reading How to Stop Junk Mail Easily: What Marketers Don’t Want You to Know

May 8, 2023

Why Early Risers Smile More

By Len Penzo

Ever wonder why early risers smile more? A survey of 20 top CEOs by Yahoo!Finance found that 80% of them wake up every morning at 5:30 or earlier. And the other 20% rise and shine no later than 6:00. According to Forbes, studies show that early ...

Continue reading Why Early Risers Smile More

May 4, 2023

Small Business Tips for Success In the Age of Digital Disruption

By Corazon Gritar

Small businesses are a major driver of innovation and progress in the US economy. In fact, there are approximately 28 million small businesses in the US alone, making up 44% of U.S. economic activity. But despite their strides toward innovation, ...

Continue reading Small Business Tips for Success In the Age of Digital Disruption

April 25, 2023

Effective Negotiating Tactics Everyone Should Know

By Len Penzo

I have always believed that one of the most important life skills that every person should have mastered before setting out on their own is the ability to successfully negotiate. Of course, that requires one to have a firm grasp on the most effective ...

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April 24, 2023

Why It Pays to Never Give Up

By Len Penzo

Quitting is easy, but that doesn't mean you should. JK Rowling's manuscript for Harry Potter and the Philosopher's Stone was rejected by the first 12 publishers she approached. Walt Disney was fired from the Kansas City Star because his boss ...

Continue reading Why It Pays to Never Give Up

April 20, 2023

Common Financial Mistakes in Manufacturing (and How to Avoid Them)

By Corazon Gritar

For businesses that must deal with financial mistakes in manufacturing, it's important to understand that the manufacturing industry focuses on four distinct principles: inventory, forecasting, cost accounting, and production. The good news is even ...

Continue reading Common Financial Mistakes in Manufacturing (and How to Avoid Them)

March 14, 2023

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