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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Time to Market in Insurance: How Rule Engines Enable Faster Product Launches and Modifications

By Sabado Domingo

Insurance products are defined by hundreds of variables and business rules covering everything from risk packages and pricing to eligibility and legal clauses. Managing this complexity with traditional, static systems often leads to chaos, slow ...

Continue reading Time to Market in Insurance: How Rule Engines Enable Faster Product Launches and Modifications

June 26, 2025

The Most Popular Beatle Is George Harrison; Here’s Why

By Len Penzo

Although I was born after the Beatles first set foot in America, that never kept me from being a huge fan of the band. Like most fans, I own the entire Beatles catalog. In fact, over the years I've bought it twice -- once on cassette tape and a ...

Continue reading The Most Popular Beatle Is George Harrison; Here’s Why

23 Comments June 18, 2025

When Should an Insurance Company Move Its Business Rules to a Rules Engine?

By Enero Febrero

Insurance products are among the most complex financial instruments, governed by a vast array of rules and conditions. These rules dictate everything from underwriting criteria and pricing to claims validation and risk assessment. Traditionally, ...

Continue reading When Should an Insurance Company Move Its Business Rules to a Rules Engine?

June 3, 2025

The Real Reason Office Tech Issues Take Forever to Get Fixed

By Sabado Domingo

If you’ve ever logged a ticket for a broken printer, a frozen laptop, or a dodgy Wi-Fi connection — only to wait days for a fix — you’re not alone. In fact, office tech issues are quite common. For many workplaces, tech support delays are a daily ...

Continue reading The Real Reason Office Tech Issues Take Forever to Get Fixed

Leave a Comment June 2, 2025

A New Homeowner’s Guide to Smart Electrical Use

By Corazon Gritar

Becoming a new homeowner comes with many exciting changes and challenges, one of which is managing your home’s electrical use. From understanding your utility bills to planning future upgrades, smart electrical practices can save you money, reduce ...

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May 27, 2025

How Your Wallet Benefits From Modern AC Units

By Corazon Gritar

Feeling dizzy after opening a midsummer power bill usually points to an aging air-conditioning (AC) system working harder than it should. Replacing that gulping, outdated unit with today’s high-efficiency technology does more than cool rooms faster - ...

Continue reading How Your Wallet Benefits From Modern AC Units

May 14, 2025

How to Keep Up With Financial Trends Without Getting Lost in the Jargon

By Sabado Domingo

The world of finance moves quickly. And if you’re not careful, it can feel like trying to keep up with a different language. Between inflation rates, interest hikes, cryptocurrency swings and market volatility, it’s easy to get overwhelmed and switch ...

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May 2, 2025

How Enterprise Workflow Automation Saves Companies Big Money

By Sabado Domingo

You’re running an enterprise, and inefficiencies are bleeding your budget dry; manual data entry, endless email chains, and approvals that take weeks. It’s chaos, and it’s costing you. Enterprise workflow automation tools are your way out, ...

Continue reading How Enterprise Workflow Automation Saves Companies Big Money

April 24, 2025

The Most Talked-About Altcoins in the Market Right Now

By Sabado Domingo

The cryptocurrency world constantly shifts, with new and existing altcoins making headlines as their technology evolves and market movements gain traction. Some altcoins are capturing significant attention due to rising adoption, project updates, or ...

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April 11, 2025

How Small Businesses Can Cut Costs With Merchant Services

By Sabado Domingo

Merchant services aren't usually something a business loves. After all, it seems a scam to pay for something as integral to your business as receiving and processing customer payments. Worse, plenty of merchant account providers charge exorbitant ...

Continue reading How Small Businesses Can Cut Costs With Merchant Services

February 26, 2025

HVAC Career: Some High School Students Are Getting a Head Start

By Corazon Gritar

While most people are gearing up for the winter weather with warm clothes and jackets, one high school teacher is hoping to teach his students about the ins-and-outs of a homeowner's winter lifeline. That lifeline is better known as the Heating, ...

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February 11, 2025

A Tribute to the Vanishing Pay Phone

By Len Penzo

Maroon 5 has a song entitled "Payphone" and, every time I hear it, I can't help but wonder how many of their fans have ever used one. That got me to wondering: How many pay phones are there today? (To be clear, I'm talking about working public pay ...

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January 20, 2025

Education Spending: How Much Should Parents Spend on Technology?

By Anum Yoon

Back to school shopping isn't what it used to be. Not too long ago, when it came to education spending, the most technologically advanced product that a parent would buy their kid was one of those bulky graphic calculators. Now, that almost seems ...

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January 14, 2025

Credit Cards: 4 Ways to Lower Your Interest Rate

By Todd Green

Over half of American households carry credit card debt from month to month. That means they're making interest payments that reduce the amount of money they have. Unfortunately, the higher your interest rate is, the more money you lose every month. ...

Continue reading Credit Cards: 4 Ways to Lower Your Interest Rate

October 16, 2024

Personal Finance App Review: You Need a Budget (YNAB)

By Len Penzo

In life, some people prefer chocolate while others like vanilla. And when it comes to personal finance, there will always be people who are comfortable managing their money using an Excel spreadsheet, while others prefer something a bit more ...

Continue reading Personal Finance App Review: You Need a Budget (YNAB)

September 4, 2024

How to Lower Your Smartphone Bill: 3 Ideas to Consider

By Anum Yoon

Smartphones are ubiquitous these days, but they aren't always cheap to use. So you'll be forgiven if you're the type who is always looking at how to lower your smartphone bill.  After all, a typical plan-based contract could set you back $150 a month ...

Continue reading How to Lower Your Smartphone Bill: 3 Ideas to Consider

August 27, 2024

Voice Filter Software: Accents and the Paradox of Perception

By Sabado Domingo

voice filter software

Accent bias is a form of discrimination where individuals are judged unfairly based on how they speak a language. This bias is widespread and often subconscious, affecting how people perceive and interact with each other. Interestingly, the ...

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July 24, 2024

Money Saving Home Improvement Projects

By Corazon Gritar

Summer is here, but that doesn't mean you don't have any more time to improve your home. In fact, this time of year is one of the best to make some serious home improvements. But if you don't want to break the bank, here are a few money saving home ...

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July 23, 2024

Why Is Digital Finance Important for E-commerce Businesses?

By Tex Freitag

We live in a digital world where it is hard to imagine running an e-commerce business without having the proper financial tools. After all, most of the action, if not all of it happens online, so a good digital finance infrastructure can make or ...

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July 10, 2024

Consumer Rights: What to Do When You Get a Defective Product

By Sabado Domingo

It happens to everyone: You open a box, only to find out that your shiny new object is defective. Or, you use it the first time and get hurt through no fault of your own. Thankfully, there are consumer rights for defective products. Here's what you ...

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July 3, 2024

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