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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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5 Benefits of Using Card Readers When Accepting Payment

By Tex Freitag

Statistics suggest that most Americans use debit and credit cards to pay for purchases. This is where card readers come in. They’re a critical element of your point-of-sale system because they allow you to securely acquire banking details from a ...

Continue reading 5 Benefits of Using Card Readers When Accepting Payment

November 5, 2024

Budgeting Medical Costs: These 6 Tips Will Get You Started

By Corazon Gritar

When it comes to healthcare, budgeting medical costs can be tricky. After all, it can be difficult to find the money to pay for all of the expenses that pile up throughout the year. Whether it's planned costs, like insurance and prescriptions, or ...

Continue reading Budgeting Medical Costs: These 6 Tips Will Get You Started

November 5, 2024

Your Basic Preppers’ List for the Apocalypse

By Len Penzo

The other day I got a note from one of my readers asking me to expound on my Economic Collapse 101 article entitled Ten Ways to Prepare for the Unknown. In short, he wanted a more-detailed basic preppers' list of what to have if things really go ...

Continue reading Your Basic Preppers’ List for the Apocalypse

November 4, 2024

Black Coffee: All That Glitters

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: All That Glitters

November 2, 2024

What’s the Lowest Mortgage Down Payment I Can Get Away With?

By Len Penzo

Many people mistakenly believe a 20% down payment is required for conventional home loans. However, the reality is that's only true for homebuyers who want to avoid private mortgage insurance charges. Read on to learn how to find the lowest mortgage ...

Continue reading What’s the Lowest Mortgage Down Payment I Can Get Away With?

October 31, 2024

3 Car Insurance Myths That Don’t Help You Save Money

By Sabado Domingo

The Internet is a wonderful resource and platform for spreading misinformation at the same time. When it comes to auto insurance, for every great resource or article, there is also a website that posts incorrect and misleading information about ...

Continue reading 3 Car Insurance Myths That Don’t Help You Save Money

October 30, 2024

In Memoriam: R.D. Blakeslee (1931 – 2024)

By Len Penzo

I first came into contact with the remarkable R.D. (Dave) Blakeslee more than a decade ago - in September 2013 - when he submitted an article for my blog series where readers explained how they lived comfortably on $40,000 a year. Needless to say, ...

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October 29, 2024

9 Tips For Managing Your Money During the Holidays

By Mikey Rox

It's easy to go overboard during the holidays; parties, travel, decorations, and gifts can all put a sizable dent in your budget if you're not careful. When it comes to managing your money - especially during the holidays - the good news is you can ...

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October 29, 2024

Your Personal Finance Voter Guide

By Len Penzo

I love autumn. I mean really; what's not to love about it? Milder temperatures, cooler evenings, beautiful colors and, um, a never-ending stream of shameless cut-throat political advertisements. At least during election years. And while an ...

Continue reading Your Personal Finance Voter Guide

October 28, 2024

Black Coffee: Skeletons In the Closet

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: Skeletons In the Closet

October 26, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 52

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: Accidents During My Homebound Teacher Years On my way to a student’s home, I stopped and waited behind a large trash truck ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 52

October 24, 2024

How to Handle Foreign Business Partnerships

By Sabado Domingo

So, you're looking to break into an international market? When it comes to foreign business partnerships, there are numerous reasons why you may wish to choose one in order to expand your own company. There are also a great many things that you'll ...

Continue reading How to Handle Foreign Business Partnerships

October 23, 2024

5 Ways to Reduce Medical Debt

By Corazon Gritar

Medical bills within the United States have climbed to shocking heights. As a result, people are constantly looking for ways to reduce medical debt. Where in the past medical bills were more affordable, now they can be difficult for people to afford. ...

Continue reading 5 Ways to Reduce Medical Debt

October 22, 2024

10 More Financial Old Wives’ Tales Masquerading As Rules of Thumb

By Len Penzo

There are people out there who swear that if you're lucky enough to see the first flower of springtime on a Friday, it's a sign of impending wealth. I know. I don't buy it either. Still, let's assume these folks know what they're talking about; ...

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October 21, 2024

Black Coffee: Canaries in the Coal Mine

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. Well ... another busy week is behind ...

Continue reading Black Coffee: Canaries in the Coal Mine

October 19, 2024

Affordability: How to Find Your Maximum House Payment

By Len Penzo

When it comes to figuring out your maximum house payment, there are two basic methods for determining how much house you can reasonably afford: Calculate Your Budget Using a Debt-to-Loan Ratio Mortgage providers generally require your total debt to ...

Continue reading Affordability: How to Find Your Maximum House Payment

October 17, 2024

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

The 5 Major Financial Personalities: Which One Do You Have?

By Anum Yoon

Although researchers disagree on just how much of our personalities are dictated by our genetics and how much comes from the way we were raised, one thing is clear: Your personality has a huge effect on how you relate to money. In terms of financial ...

Continue reading The 5 Major Financial Personalities: Which One Do You Have?

October 15, 2024

The Credit Karma Free Credit Score Offer: What They Won’t Tell You

By Sean Strauss

With millions upon millions of users, consumers regularly flock to see their free credit score on Credit Karma. And why shouldn't they? On the surface, the Credit Karma free credit score offer seems like a good thing, and it is - but only for the ...

Continue reading The Credit Karma Free Credit Score Offer: What They Won’t Tell You

October 14, 2024

Black Coffee: Running the Numbers

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 an enjoyable week. ...

Continue reading Black Coffee: Running the Numbers

October 12, 2024

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