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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

6 Career Killers Many People Don’t Know About (and How to Avoid Them)

By Mikey Rox

6 Career Killers Many People Don’t Know About (and How to Avoid Them)

Want to get ahead at work? Heed this advice on what to avoid in the workplace to maximize your professional potential. Mistaking Volume for Effectiveness Just because you're doing a lot of work doesn't necessarily mean that you're doing your ...

Continue reading 6 Career Killers Many People Don’t Know About (and How to Avoid Them)

1 Comment August 9, 2016

Why the Self-Employed Are Smarter Than You

By Greg McFarlane

Why the Self-Employed Are Smarter Than You

Who pays a greater share of their income in taxes -- Warren Buffett, or his administrative assistant? Obviously, posing the question implies its answer. Politicians may tout the virtues of our "progressive" tax system, but it doesn't really ...

Continue reading Why the Self-Employed Are Smarter Than You

37 Comments May 24, 2016

6 Ways to Create a Stylish Home Office on a Budget

By Anum Yoon

6 Ways to Create a Stylish Home Office on a Budget

Flexible scheduling and the beauty of technology in the workplace has allowed for more opportunities than ever to work from home -- either part or full-time -- rather than hanging out in the office seven days a week. That being said, just any ...

Continue reading 6 Ways to Create a Stylish Home Office on a Budget

3 Comments May 17, 2016

8 Ways to Prepare for Your Next Job Interview and Walk Away a Winner

By Mikey Rox

8 Ways to Prepare for Your Next Job Interview and Walk Away a Winner

You did it! You finally landed that coveted job interview. The hard part is over, but now another major challenge is on the horizon: the actual interview. Here's how to go into it confident, prepared and hirable: Before the Interview ...

Continue reading 8 Ways to Prepare for Your Next Job Interview and Walk Away a Winner

Leave a Comment May 10, 2016

A Day in the Life of a Low Performer

By Paula Pant

A Day in the Life of a Low Performer

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

Continue reading A Day in the Life of a Low Performer

9 Comments May 4, 2016

Is a University Degree Really Necessary Today?

By Tex Freitag

Is a University Degree Really Necessary Today?

Possession of a university degree is considered to be important by many employers. The question that we should consider is whether having a degree is the only door to a successful future. Forty-one percent of university students drop out before ...

Continue reading Is a University Degree Really Necessary Today?

3 Comments April 26, 2016

How to Manage Bills and Save for a New Home When Your Income Is Spotty

By Len Penzo

How to Manage Bills and Save for a New Home When Your Income Is Spotty

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 monthly or semi-monthly paycheck. On the other hand, those who work on ...

Continue reading How to Manage Bills and Save for a New Home When Your Income Is Spotty

Leave a Comment April 18, 2016

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

By Len Penzo

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

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

April 1, 2016

How to Negotiate a Higher Salary with Potential Employers

By Mikey Rox

How to Negotiate a Higher Salary with Potential Employers

Whether you're being considered for a new position at a new company or you're trying to climb the ladder within your current company, the name of the game is a higher salary. Yes, the work is supposed to satisfy us, but for most people it's all about ...

Continue reading How to Negotiate a Higher Salary with Potential Employers

Leave a Comment March 29, 2016

4 Financial Tips to Consider Before Becoming a Stay-at-Home Mom

By Len Penzo

4 Financial Tips to Consider Before Becoming a Stay-at-Home Mom

Sometimes you just can't put a price on things -- and the intangible benefits of a stay-at-home parent is certainly one of them. At least it is to me. According to the latest data from the US Census Bureau, there are approximately 5.2 million ...

Continue reading 4 Financial Tips to Consider Before Becoming a Stay-at-Home Mom

36 Comments March 28, 2016

5 Items in Nature With Enormous Finder Fees

By Len Penzo

5 Items in Nature With Enormous Finder Fees

I realize the economy is wigging out and times are starting to get tough again. Of course, with the price of precious metals back on the rise, you could head out into the wilderness and try to find a stray nugget or two. Then again, if you ...

Continue reading 5 Items in Nature With Enormous Finder Fees

19 Comments February 22, 2016

7 Ways to Immunize Yourself from the Layoff Bug

By Len Penzo

7 Ways to Immunize Yourself from the Layoff Bug

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 advice on the web centered around the theme "You're laid off, now what?" But that ...

Continue reading 7 Ways to Immunize Yourself from the Layoff Bug

9 Comments December 15, 2015

100 Words On: Why You’ll Never Get Rich Working for ‘the Man’

By Len Penzo

100 Words On: Why You’ll Never Get Rich Working for ‘the Man’

Many folks who work for others love to complain about the professionally unsatisfying nine-to-five grind of their daily job, yet refuse to change the status quo. That's because the perceived relative safety of their steady job -- and the guaranteed ...

Continue reading 100 Words On: Why You’ll Never Get Rich Working for ‘the Man’

17 Comments October 8, 2015

23 Easy and Creative Ways to Earn Extra Money

By Joel Ohman

23 Easy and Creative Ways to Earn Extra Money

No doubt all of us have racked our brains at one time or another to come up with ways to make extra cash. Yes, it's tempting to gravitate towards those get-rich-quick and make-money-overnight offers, but unless you're willing to risk becoming the ...

Continue reading 23 Easy and Creative Ways to Earn Extra Money

38 Comments October 7, 2015

10 Reasons You Don’t Need a College Degree to Succeed

By Mikey Rox

10 Reasons You Don’t Need a College Degree to Succeed

Your whole life you've been told that you won't get very far without a college education, and I'm here to break your heart: That was all lies. Perhaps it was true in the 1990s or, heck, even the early 2000s, but nowadays, with every modicum of ...

Continue reading 10 Reasons You Don’t Need a College Degree to Succeed

10 Comments September 23, 2015

8 Telltale Signs You Picked the Right Career

By Mikey Rox

8 Telltale Signs You Picked the Right Career

So many of us go to work, do what we're paid to do, punch out, and go home. But are we happy? If the chronology of your day is more or less what I just described, chances are you're not -- even if you pretend to be. On the other hand, if you ...

Continue reading 8 Telltale Signs You Picked the Right Career

2 Comments September 9, 2015

The Pros and Cons of Working from Home

By Sabado Domingo

The Pros and Cons of Working from Home

There are plenty of reasons someone might choose to work from home. Perhaps you've started up your own internet business. Perhaps your boss has decided to let you telecommute at least part time. Maybe you've been hired as a full time telecommuter for ...

Continue reading The Pros and Cons of Working from Home

4 Comments September 4, 2015

7 Tips for Earning a Living with Rental Properties

By Sabado Domingo

7 Tips for Earning a Living with Rental Properties

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 start to think about whether or not renting out properties is ...

Continue reading 7 Tips for Earning a Living with Rental Properties

3 Comments August 29, 2015

On the Job Training vs. Apprenticeship Programs: Which Is Better?

By Sabado Domingo

On the Job Training vs. Apprenticeship Programs: Which Is Better?

Many companies are looking at apprenticeships again as a way to train employees. On-the-job training (OJT) is taking a back-seat, as is traditional schooling. Here's what you need to know to make the right choice: On-The Job-Training ...

Continue reading On the Job Training vs. Apprenticeship Programs: Which Is Better?

3 Comments August 20, 2015

How I Survived Two Armed Robberies (and How You Can Too)

By Len Penzo

How I Survived Two Armed Robberies (and How You Can Too)

We tend to take for granted that the terrible misfortunes we see on the nightly news befalling people every day will never ever happen to us. Perhaps that is so for the majority of folks. But it is not certain by any means. By the time I was 30 I ...

Continue reading How I Survived Two Armed Robberies (and How You Can Too)

58 Comments July 28, 2015

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