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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Why People Prefer to Make Anonymous Payments

By Tex Freitag

anonymous payments

In an increasingly digital world, financial transactions have evolved significantly. While traditional banking and payment methods still dominate, a growing number of individuals prefer to make anonymous payments. This trend is driven by multiple ...

Continue reading Why People Prefer to Make Anonymous Payments

March 6, 2025

What Is a Subprime Mortgage?

By Len Penzo

What is a subprime mortgage? Well ... subprime mortgages are for homebuyers with poor or limited credit histories. Typically, this is anyone with a credit score under 620. They're also often the only type of loan available for people with good credit ...

Continue reading What Is a Subprime Mortgage?

March 6, 2025

Lawsuit Loans: How They Work and How to Get One

By Tex Freitag

Lawsuits are costly procedures, to say the least. You must pay your lawyer's legal fees while the case is being fought in court. Then there is the time factor: some lawsuits take months, even years to reach a verdict. And if you're in an accident ...

Continue reading Lawsuit Loans: How They Work and How to Get One

March 5, 2025

Will Refinancing Save You Money? Here’s How to Tell

By Sabado Domingo

Are you considering the best ways to manage your finances while securing reliable financial support options? Lowering loan interest rates can significantly reduce your monthly payments and long-term expenses. Seeking professional advice ensures you ...

Continue reading Will Refinancing Save You Money? Here’s How to Tell

March 4, 2025

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

By Mikey Rox

For your whole life you've been told that you won't get very far without a college education. Well, I'm here to break your heart: they lied. Despite your youthful indoctrination to the contrary, here are some really good reasons why you don't need ...

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

March 4, 2025

Beware the Four Horsemen of Personal Finance

By Len Penzo

four horsemen of personal finance

Reverend Len from the First United Church of Our Lady of Blessed Household Finances is back in his pulpit and I know you all know what that means... Yep. It's time for another homily for my small but faithful congregation! I've already showed ...

Continue reading Beware the Four Horsemen of Personal Finance

March 3, 2025

Black Coffee: Seeing Is Believing

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I've got another busy weekend ahead of ...

Continue reading Black Coffee: Seeing Is Believing

March 1, 2025

The Continuing Chronicles of Elaine, Part 61

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: Some Fun Trips We Had After Moving to West Virginia   Dave and I and our Great Dane Karl  went to Alaska in 1996; June 24 ...

Continue reading The Continuing Chronicles of Elaine, Part 61

February 27, 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

How Might Your Budget Change After a Spousal Separation?

By Corazon Gritar

budget change after spousal separation

When a marriage ends, it’s not only an emotional transition but a financial one as well. The dynamics of household income, expenses, and savings often shift dramatically. You might find yourself with a different financial outlook, adjusting to a ...

Continue reading How Might Your Budget Change After a Spousal Separation?

February 25, 2025

What Crimes Will Disqualify You From Joining the Military?

By Sabado Domingo

disqualify you from military

As of 2024, the US military has about 1.3 million active personnel. The military enlisted nearly 225,000 new recruits in 2024, which is over 25,000 more than in 2023. Joining the military is a rewarding career path, offering individuals the ...

Continue reading What Crimes Will Disqualify You From Joining the Military?

February 25, 2025

Relax and Unwind! Here Are 10 Ways to Have Fun on a Budget

By Anum Yoon

Ever reach the end of the work week, and you literally just can't handle any more? The days spent at the office can leave us feeling tense and wound so tight that you can almost feel your bones grinding together. But how do you unwind without ...

Continue reading Relax and Unwind! Here Are 10 Ways to Have Fun on a Budget

February 25, 2025

How Misplaced Financial Priorities Lead to Lame Excuses

By Len Penzo

My teenage son Matthew had a bit of a tantrum last week -- okay, actually it was a full-scale meltdown -- after he found out that I wouldn't let him ride his BMX bicycle until he got the brakes repaired. It turns out his bike brakes broke (try ...

Continue reading How Misplaced Financial Priorities Lead to Lame Excuses

February 24, 2025

Black Coffee: Cooked Books

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I hope everybody had a wonderful week. ...

Continue reading Black Coffee: Cooked Books

February 22, 2025

Smart Money Moves for Physicians: How to Increase Your Earnings

By Sabado Domingo

Physicians dedicate years to rigorous education and training, yet their financial trajectory often doesn’t align with the level of effort they put into their careers. While medicine is a well-compensated profession, many doctors find themselves ...

Continue reading Smart Money Moves for Physicians: How to Increase Your Earnings

February 21, 2025

How to Use AI Crypto Signals to Maximize Your Profits

By Tex Freitag

Leveraging AI-driven tools can give traders a significant edge in the fast-paced world of cryptocurrency trading. AI cryptocurrency signals analyze market trends, historical data, and real-time price movements to generate accurate predictions. These ...

Continue reading How to Use AI Crypto Signals to Maximize Your Profits

February 20, 2025

Is Mortgage Interest Tax Deductible?

By Len Penzo

Is mortgage interest tax deductible? The short answer is "yes!" Homeowners who choose to itemize can deduct interest from their income taxes on as much as $750,000 in mortgage debt and up to the same amount of home equity loan debt on a primary ...

Continue reading Is Mortgage Interest Tax Deductible?

February 20, 2025

Is It Better to Lease a New Car?

By Enero Febrero

'Buying a brand new car is one of the bigger purchases we make -- not quite as big as buying a house, but significant none the less. But many people insist that it's actually better to lease a new car. But is it really? For many of us, money is ...

Continue reading Is It Better to Lease a New Car?

February 19, 2025

What Is a New Garage Door Installation ROI and Its Expenses?

By Corazon Gritar

Investing in a new garage door can be a strategic move for homeowners, not only enhancing curb appeal but also boosting the overall functionality of the home. Garage doors play a significant role in both aesthetics and practicality. As you explore ...

Continue reading What Is a New Garage Door Installation ROI and Its Expenses?

February 18, 2025

Why You Should Start Building Your Retirement Fund Early

By Corazon Gritar

Retirement may seem like a distant concern when you’re in your 20s or 30s, but the earlier you start saving, the better positioned you’ll be to enjoy financial security in your later years. Building your retirement fund early is one of the smartest ...

Continue reading Why You Should Start Building Your Retirement Fund Early

February 18, 2025

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