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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

5 Telltale Signs That You’re Headed for a Credit Crisis

By Sabado Domingo

You don't have bad credit -- yet. However, anyone can make a mistake that leads him or her down the wrong credit path. Fortunately, bad credit isn't usually something that develops overnight; instead, credit errors compile over time to transform a ...

Continue reading 5 Telltale Signs That You’re Headed for a Credit Crisis

September 2, 2020

18 Facts You Didn’t Know About the National Debt

By Len Penzo

I know that Halloween is still more than a month away, but it won't be long before people will once again be looking for ways to scare the pants off unwitting friends and family members. One way to do that without having to dress up like a ghost ...

Continue reading 18 Facts You Didn’t Know About the National Debt

August 31, 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 ...

Continue reading 5 Things Everyone Should Do Before Applying for a Mortgage

August 13, 2020

5 Ways to Enjoy Free Family Travel with Credit Cards

By Enero Febrero

Using your credit cards to earn reward points for travel is a legitimate and easy way to see the world with your family. In addition to flying, the reward points can help families cut costs with their hotel, rental car and meals. Here are several ...

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August 13, 2020

How to Manage Your Personal Finances When In the Military

By Tex Freitag

disqualify you from military

Life in the military brings a huge host of benefits. Chief among them is a stable income -- even in a bad economy. There are a lot of financial perks that you can take advantage of while in the military, but it also requires some discipline on your ...

Continue reading How to Manage Your Personal Finances When In the Military

August 6, 2020

9 Guilt-Free Ways to Rip Off Your Credit Card Company

By Len Penzo

Sitting on the edge of the Sonoran desert, along the main highway between Los Angeles and Palm Springs, lies Hadley's, a popular fruit stand and tourist stop that sells, among other things, banana date shakes. I love 'em; they're an incredibly ...

Continue reading 9 Guilt-Free Ways to Rip Off Your Credit Card Company

August 3, 2020

4 Positive Financial Habits to Develop Right Now

By Enero Febrero

Whether you're managing your own money or your business's resources, good financial habits take time to build. Indeed, developing and then carrying out a sound financial plan is often the product of months or even years of hard work and dedication. ...

Continue reading 4 Positive Financial Habits to Develop Right Now

July 31, 2020

Power to the Pinched! The Personal Finance Anarchist Cookbook

By Len Penzo

Once upon a time, no self-serving radical activist would be caught dead without The Anarchist Cookbook and its misguided recipes for making homemade bombs, tear gas, and other sinister items out of everyday household products. Of course, that got ...

Continue reading Power to the Pinched! The Personal Finance Anarchist Cookbook

July 20, 2020

How Personal Loans Can Boost Your Credit Score

By Sabado Domingo

If you want to improve your credit score, you might mistakenly believe that the best thing to do is to completely avoid getting into debt. However, not having any debt can actually have the opposite effect when it comes to your credit rating. If ...

Continue reading How Personal Loans Can Boost Your Credit Score

July 14, 2020

The Easiest Money You’ll Ever Make

By Len Penzo

Who doesn't love making money? I know I do. Now let's take it up another notch. Who doesn't love making money for as little effort as humanly possible? If you aren't nodding your head right now, then I think it's safe to say that you're not being ...

Continue reading The Easiest Money You’ll Ever Make

July 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

Bad Credit Loans: What You Need to Know

By Sabado Domingo

Typically, your credit history is crucial when getting a loan from different lenders. They will look at the credit history to determine your capacity to repay your loans without delay. In most cases, having good credit increases your chances of ...

Continue reading Bad Credit Loans: What You Need to Know

June 26, 2020

5 Cost-Effective Ways to Deal With Common Problems

By Enero Febrero

Money can solve many problems. Plain and simple, the more capital you have available, the more resources you can draw on and the more help you can get when you encounter difficult issues. The bad news is that many people can't afford to throw money ...

Continue reading 5 Cost-Effective Ways to Deal With Common Problems

June 26, 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

Is It Really Worth Trying to Retire a 30-Year Home Loan in 15?

By Len Penzo

When it comes to the great mortgage debate, I've already explained my position regarding 15- and 30-year loans: 30-year loans are better for a multitude of reasons. In fact, I think it's a no-brainer. But does it make financial sense to pay that ...

Continue reading Is It Really Worth Trying to Retire a 30-Year Home Loan in 15?

June 15, 2020

3 Simple Ways Busy People Keep Control of Their Finances

By Tex Freitag

When you work hard for every dollar you earn and do your best to save every cent each month, it's important not to lose money on overdue fees. Apart from the cost of such fees, not paying invoices on time can lead to more dire consequences, such as ...

Continue reading 3 Simple Ways Busy People Keep Control of Their Finances

June 10, 2020

5 Simple Tips for Getting a Loan with Bad Credit

By Enero Febrero

If you've found yourself in a financial pickle lately and are wondering if you will be able to get a loan on bad credit or not, then you're not alone. While getting a loan is a much easier process when you have a good credit score, it can be ...

Continue reading 5 Simple Tips for Getting a Loan with Bad Credit

May 26, 2020

A Quick Reference Guide to Getting Out of Debt

By Tex Freitag

Nobody wants to be in debt -- although the sad truth is that millions of people are buried under a mountain of it. Unfortunately, owing a lot of money to many creditors causes problems -- not only for your personal finances, but also your ...

Continue reading A Quick Reference Guide to Getting Out of Debt

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 ...

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

May 15, 2020

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