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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

4 Smart Reasons for Tapping Your Home Equity

By Tex Freitag

Did you know that your home has a tangible value to it that you can use? The equity in your house is something that you can take advantage of, but only if you have a good reason to. Using your home's equity is basically like taking out a second ...

Continue reading 4 Smart Reasons for Tapping Your Home Equity

March 8, 2019

Tips for Female Entrepreneurs – How to Get a Small Business Loan

By Enero Febrero

Today, 40% of all entrepreneurs in the US are women. But, unfortunately, these numbers do not line up with their access to small business loans. In fact, many female entrepreneurs today find it quite challenging to take a loan. However, lack of ...

Continue reading Tips for Female Entrepreneurs – How to Get a Small Business Loan

February 22, 2019

5 Tips Guaranteed to Help You Build Wealth After Graduation

By Tex Freitag

If there's one thing that kids these days aim for, it's having a fat bank account. Of course, the road to financial independence starts after you have spent at least four years getting a college degree. No doubt, everything that comes afterward is ...

Continue reading 5 Tips Guaranteed to Help You Build Wealth After Graduation

February 20, 2019

What are the Key Requirements for Securing a Startup Business Loan?

By Sabado Domingo

Businesses require loan facilities for a wide range of reasons such as: investing in equipment, maintaining business operations, starting a new branch, or even increasing a businesses' working capital. However, securing a loan is not an easy task as ...

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February 15, 2019

What’s the Best Way to Make a Family Budget?

By Enero Febrero

Believe it or not, making a family budget is not as easy as it may sound. And although budgets may not be essential to keeping your finances under control, they do allow you to make calculated decisions about how to spend your income. When making a ...

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February 12, 2019

A Few Facts About Online Installment Loans

By Enero Febrero

Are you thinking about purchasing a big-ticket commodity or service, but are worried about the lack of cash or a poor credit history? If you answered "yes," then you probably know how limited your options are. The good news is that installment ...

Continue reading A Few Facts About Online Installment Loans

February 8, 2019

5 Financially Smart Ways to Begin Your Day

By Enero Febrero

accounting basics to know

Your daily habits set the foundation for success, not only for your health but also for your finances. Mastering financial success doesn't always take a lot of time, but it does take consistency. You can stay on top of your personal finances by ...

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January 25, 2019

How to Choose a Responsible Lender

By Enero Febrero

You've decided to take the plunge and get a personal loan. It all sounds so simple -- but the sheer volume of personal loan options and lenders to choose from can be overwhelming. With that in mind, here is a handy guide of five simple tips designed ...

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January 22, 2019

Controlling Your Credit: 7 Powerful Reasons Why You Need a Credit Card

By Tex Freitag

Some of us don't like the idea of owing money or using "theoretical" funds; we like the money we can see and feel. Many people have heard so many debt horror stories that they're scared of credit cards. But the truth is, there are some serious ...

Continue reading Controlling Your Credit: 7 Powerful Reasons Why You Need a Credit Card

January 19, 2019

8 Small Business Financing Options for People with Bad or No Credit

By Sabado Domingo

After making the only New Year's resolution that matters, maybe it's time to use the resulting savings by turning it into an investment. A small business is one option, but they can be costly to maintain. Of course, there's certainly nothing wrong ...

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January 9, 2019

Premier Student Loan Center Is Putting Customer Service Above New Clients

By Sabado Domingo

With post-secondary graduates facing an all-time high of student debt and staggering numbers of student loans entering into default, companies dedicated to providing financial assistance to borrowers were established. In operation for almost half a ...

Continue reading Premier Student Loan Center Is Putting Customer Service Above New Clients

January 4, 2019

4 Habits and Systems that the Wealthy Follow Religiously

By Tex Freitag

There are rich people who are bonafide geniuses; you know, the kind that went to Harvard and then dropped out or the kind that got into MIT and used their big brains to make a ton of money. While intelligence, charm and extreme talent are wonderful ...

Continue reading 4 Habits and Systems that the Wealthy Follow Religiously

January 3, 2019

What to Do After Your Individual Voluntary Agreement (IVA) Is Approved

By Enero Febrero

For folks living in England and Wales, an individual voluntary arrangement -- or IVA, for short -- is a formal alternative for individuals who want to avoid bankruptcy. As such, having your IVA approved is a big achievement. If you follow the ...

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December 26, 2018

4 Home Financing Options for People with Poor Credit

By Sabado Domingo

We've all heard the countless horror stories from our friends with poor credit. A poor credit score can absolutely ruin your finances and any future plans you may have had; this includes your ability to buy a new home or car, and can even affect your ...

Continue reading 4 Home Financing Options for People with Poor Credit

December 21, 2018

How to Maintain Financial Security as a Homeowner

By Enero Febrero

It's no secret that owning a home is an expensive investment. Not only will you have to secure its purchase, you also need to shoulder overhead costs and other expenses that will keep its value high. During these times, it's important to be wise ...

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December 12, 2018

4 Options for People Looking to Get a Used Car Loan

By Sabado Domingo

Driving is a part of life in the United States. We live in a large, spread out nation, which requires the use of vehicles to get from place to place. Many people choose to buy new cars. The US recently saw many years in a row of record new car sales. ...

Continue reading 4 Options for People Looking to Get a Used Car Loan

December 7, 2018

Tips on How to Better Manage Your Financial Risks

By Tex Freitag

Personal financial management is about maintaining a healthy cash flow, planning for the future, and achieving your financial objectives. It also means managing the financial risks you face every day, which is why insurance policies and other forms ...

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December 6, 2018

4 Tips That Will Help You Improve Your Credit Score

By Tex Freitag

If you have a mountain of debt, your credit score likely isn't in the best shape. There are several things that you can do to try to improve your credit score, but it does take time. If you have more debt than you can reasonably pay, there are some ...

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December 5, 2018

How to Improve Your Marriage By Getting Out of Debt

By Sabado Domingo

When a couple gets married, they typically share their personal finances; this remains true of both assets and liabilities. When you got married, your significant other should have been made aware of any debts that you had in your name. If you did ...

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November 21, 2018

4 Things You Need To Know About Car Title Loans

By Enero Febrero

Before getting into the nitty-gritty details of car title loans, we must first understand what a title loan is. A title loan is a loan where the owner of an asset gives the title to a creditor who lends him money in exchange. The giving of the title ...

Continue reading 4 Things You Need To Know About Car Title Loans

November 13, 2018

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