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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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A Day in the Life of a Low Performer

By Paula Pant

A few months ago I read an interesting analogy in the book Talent is Overrated, by Geoff Colvin. The average low performer runner, says the author, thinks about anything besides than the painful fact that he's running. Elite runners, by contrast, ...

Continue reading A Day in the Life of a Low Performer

November 20, 2024

Why Service Industry, Banking, and Government Jobs Don’t Create Wealth

By Len Penzo

The high living standard that people enjoy in America -- and the rest of the world, for that matter -- is a result of the hard-earned work performed by our forefathers; most of them spent a lifetime of blood, sweat and tears, creating the wealth that ...

Continue reading Why Service Industry, Banking, and Government Jobs Don’t Create Wealth

October 9, 2024

Is a College Degree Necessary Today?

By Tex Freitag

Is a college degree necessary? Well ... possession of a university degree is still an important factor for many employers. So the question that we should really consider is whether having a degree is the only door to a successful future. Forty-one ...

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September 25, 2024

Personal Finance for Kids: My 12-Year-Old Daughter Explains Her Strategy

By Len Penzo

My daughter, Nina, turned 25 years old last month. I know it's cliche, but I truly do remember the day she was born like it was yesterday. I'm happy to say that Nina has always been a natural saver and good at managing her money -- and when it ...

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September 9, 2024

How to Save for a New Home With Spotty Income

By Len Penzo

Some of the most important things in life are always taken for granted. After all, most of us drawing a steady salary never consider how fortunate we are to get a regular paycheck. On the other hand, those who work on commission or depend on tips for ...

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August 19, 2024

Tips for Choosing the Right Construction Accident Lawyer

By Tex Freitag

According to the Bureau of Labor Statistics, the construction industry has the most fatal injuries, with one in five fatal injuries reported at construction sites. Out of the 345 deaths caused by falls in 2023, 96 of them were in the construction ...

Continue reading Tips for Choosing the Right Construction Accident Lawyer

August 15, 2024

California Wage and Hour Laws: A Comprehensive Guide

By Tex Freitag

Did you know that since January 1, 2023, the minimum wage for all California employers has been set at $15.50 per hour, while in some cities and counties, the minimum wage is above the state's standard? California wage laws are some of the strictest ...

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June 26, 2024

How to Stay Employed: 7 Ways to Immunize Yourself from the Layoff Bug

By Len Penzo

During tough economic times, it's only natural to wonder how to stay employed. Very few of us are immune from the specter of receiving a pink slip. In fact, I know of one married couple who both got laid off on the same day. I've seen lots of ...

Continue reading How to Stay Employed: 7 Ways to Immunize Yourself from the Layoff Bug

June 10, 2024

Did You Make the Right Career Choice? Here’s How to Know

By Mikey Rox

So many of us go to work, do what we're paid to do, punch out, and go home. But are we truly happy? Studies suggest most people aren't -- even though they pretend to be. On the other hand, if you exhibit a majority of the following traits while ...

Continue reading Did You Make the Right Career Choice? Here’s How to Know

March 12, 2024

7 Tips for Earning a Living with Rental Properties

By Sabado Domingo

If you've been considering making extra money renting out a property you own, you've no doubt already discovered how much stress and planning is involved with being a landlord. As you think about whether or not earning money by renting out properties ...

Continue reading 7 Tips for Earning a Living with Rental Properties

February 21, 2024

How To Improve Your Workplace Efficiency

By Corazon Gritar

The new year is fully underway, and with the start of a new fiscal year often comes changes to the workplace. These goals often include how to improve workplace efficiency and productivity, but they aren't always the most successful, depending on ...

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February 6, 2024

4 Super Apps That Can Help You Earn Extra Cash

By Enero Febrero

Who doesn't want to make a little extra cash? Of course, we all do! However, with many people today juggling two to three jobs, worrying about paying off their mortgage or lines of credit, bills, dealing with their daily financial woes and worse, who ...

Continue reading 4 Super Apps That Can Help You Earn Extra Cash

January 10, 2024

How to Make the Most of Your Military Benefits

By Tex Freitag

Armed services benefits encompass a wide range of offerings, from education support to healthcare and retirement plans. However, making the most of these military benefits requires strategic planning and awareness. This guide will explore five tips ...

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December 1, 2023

7 Great Careers That Require No Experience to Start

By Anum Yoon

Are you looking for a great career that requires no experience to start? We get it. It can be more than a little discouraging to look at job postings where all you see is "five years of experience needed" or "experienced personnel only." Fear not, ...

Continue reading 7 Great Careers That Require No Experience to Start

October 10, 2023

The Best Way to Make Ends Meet on a Limited Income

By Len Penzo

For those struggling to make ends meet, where one lives becomes more important as household income decreases. For example, when taking into account food, utilities, healthcare, housing, and general goods and services, New York City is more than twice ...

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October 5, 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 ...

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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 ...

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September 25, 2023

How to Get Promoted by Working Like a Politician

By Tex Freitag

Getting promoted at work has more to do with politics than accomplishment, like getting a music or book contract, or inheriting a family fortune. It is possible to gain notoriety and success by doing as little as possible, just look at any politician ...

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September 13, 2023

The 5 Best Investment Options During a Recession

By Sabado Domingo

As the old saying goes, what goes up must come down. And while the stock market has been on a tear in recent years, investors would be wise to remember that recessions are a reality of the business cycle. This begs the question: What are the best ...

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September 6, 2023

5 Ways to Make Your Commuter Marriage Work

By Mikey Rox

Most married couples wouldn't dream of living in separate houses, let alone separate states, but this situation is a reality for millions of couples. It doesn't mean they're unhappy. In fact, it has nothing to do with the emotional state of the ...

Continue reading 5 Ways to Make Your Commuter Marriage Work

August 22, 2023

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