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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

4 Key Points Everyone Should Consider Before Hiring an Attorney

By Sabado Domingo

There are more than one million licensed attorneys within the United States. So having to choose one great reasonably-priced attorney out of such a massive population may seem just as impossible as finding a tiny needle within a tower of haystacks. ...

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April 13, 2022

5 Smart Practices That Will Help Your Small Business Thrive

By Sabado Domingo

The thing that makes many small business owners worry the most is failing within the first few months of operation. When that happens, the owners are usually left wondering how they could have made more money and attracted more customers - and why ...

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April 12, 2022

7 Questions That Customers Are Rarely Asked Anymore

By Len Penzo

It's hard for me to believe, but I turned 58 years old this year. I know, I don't look a day over 70. When I was a young boy, I thought people in their fifties were ancient. Perhaps they are; but I don't feel ancient. In fact, with only a few minor ...

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April 11, 2022

Business 101: What Does ‘LLC’ Mean and Why Is It Important?

By Enero Febrero

The inclusion of the letters "LLC" in the name of a company is a public declaration that the company is a type of corporation operating as a legal entity, separated from its owners. Because of this critically important separation, the company's ...

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April 6, 2022

6 Ways Procrastinating Hurts Your Finances

By Mikey Rox

Lots of people live by the procrastinator's creed: Why do today what you can put off until tomorrow? You might even be one of them. But while this practice seems innocuous enough, it's actually costing you an embarrassing amount of money. Here ...

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April 5, 2022

The 16 Best Closing Lines for Business Emails

By Enero Febrero

Sure, first impressions are impactful on people. They can be catchy, charming, and luring. But as time goes on, people tend to move away from them to something more real. And this type of real only comes through recurrent experiences - from recurrent ...

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March 29, 2022

Determining Fair Market Value: What Is That Business Worth?

By Vincenzo Camporeale

Whether you're planning to buy or sell a business, the starting point is to determine the fair market value (FMV). FMV is always a range, never a specific number. Obstacles to a buyer and seller agreeing on value are numerous; owners generally ...

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March 25, 2022

How To Turn Your Side Hustle into A Full-Time Business

By Sabado Domingo

ads for your side hustle

Not everybody is suited to having a 9-to-5 job - many people dream about quitting their day jobs to pursue their passions. In fact, only a few dare to follow their hearts and even then, we tend to pursue our interests as a side hustle while keeping ...

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March 21, 2022

4 Business Tips on Opening a Company in the Digital Age

By Sabado Domingo

Opening a company has always been a challenging task to tackle, but digital technology took everything to an entirely new level. Having a great vision and promising business model just won't cut it anymore. With the fast-paced changes happening ...

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March 17, 2022

Individual & Business Sales Made Easy With Classified Advertisements

By Sabado Domingo

When you're in need to sell something, you can either go to a dealer or some other known entity, or you can place a classified advertisement. There are various modes of posting classified ads nowadays, including the print media and the digital media. ...

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March 2, 2022

100 Words On: Why You Don’t Need an MBA to Manage Your Finances

By Len Penzo

Never assume that just because a person holds an MBA, he knows how to run a business; the road is littered with MBA-sporting CEOs who ignominiously drove their companies into the ground. Conversely, there are just as many CEOs -- guys like ...

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February 24, 2022

The Top 5 Technology Considerations for Businesses

By Sabado Domingo

Businesses of all kinds have been incorporating a greater amount of technology into their everyday activities. Not only are businesses today responsible for building and maintaining a strong online presence but they are working with new technologies ...

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February 23, 2022

Tip Inflation: We’ve Got Nobody to Blame But Ourselves

By Len Penzo

In the US, tipping is as American as apple pie. As a kid I remember going to restaurants with my folks and figuring out the tip for Dad. And he obliged me almost every time simply because he knew I loved to do that sort of thing. His rule was 10% ...

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February 14, 2022

Here Are 3 Killer Gamification Marketing Strategies in Action

By Corazon Gritar

In the old media world, customers rarely interacted with a company's marketing campaigns. Radio commercials, TV, print media, and billboard advertising may have featured a call to action or phone number, but they rarely demanded active participation. ...

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January 25, 2022

Exploring Ways to Support Dental Patients’ Health and Financial Needs

By Corazon Gritar

Whether you're a dental professional or a patient, you can't argue the fact that proper dental care is a necessity. Unfortunately, dental services aren't always affordable for those with lower incomes. Medical Group Management Association data has ...

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January 4, 2022

Why Personal Responsibility Is the Key to Success

By Len Penzo

Nothing is easier in life than to blame the other guy when we encounter problems. That's because it takes real courage and integrity to look inward and take responsibility for all of the troubles that are a direct result of our own making. When we ...

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December 16, 2021

How to Raise Capital for Starting Your Business

By Sabado Domingo

Every business has a story and inevitable challenges that they had to face when they began their journey. However, businesses that face hardship are often the ones that succeed. While talent, skill, and intellectual abilities are crucial to ...

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December 2, 2021

8 Ways to Make Your Company Environmentally Friendly

By Sabado Domingo

You, as a business owner, have more power than you may realize to make a change in the environment. These days, there are countless services and products to choose from to help your business. If you want to stand out, you'd do best to choose the ...

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December 1, 2021

The Top 6 Businesses You Can Start with Low Investment Capital

By Sabado Domingo

financial statements explained

Whenever we hear about the idea of starting a small business, the thought that usually comes to our mind is to invest a sufficient or high amount of money for kickstarting any lucrative venture one could imagine. However, high investment capital is ...

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November 20, 2021

Trucking 101: 9 Tips to Reduce Detention Time

By Tex Freitag

If you're a trucker, one of the most frustrating things that can happen while you're on the road is getting your truck detained while you're loading. It can be even more frustrating when you feel like there's nothing you can do to stop the ...

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November 19, 2021

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