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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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2 Short Term Loans That Don’t Require a Credit Check

By Sabado Domingo

A lot of Americans nowadays have bad credit ratings, or no credit rating at all. According to credit bureau Experian, the newest VantageScore model estimates there are 68 million people with credit ratings to have bad or poor credit scores. For ...

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March 22, 2019

Grandfather Says: I’m ‘Bout Half

By RD Blakeslee

Grandfather says years ago, Grandmother taught piano in the living room. She was, among other things, a model of deportment for the children. Well, one evening we were enjoying a pitcher of beer and a giant pizza at Pizza hut, when in walked a ...

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March 21, 2019

Why Many People Are Choosing to Buy a Villa for Their Next Home

By Enero Febrero

Villas are the ultimate homes to live in. Modern villas are made from high quality building materials and user-friendly appliances, which makes the living experience even sweeter. These homes are designed for maximum comfort and habitability via the ...

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March 20, 2019

How I Live on $40,000 Annually: Jason from Maine

By Jason Paradis

My name is Jason, and I live in beautiful Plymouth, Maine. I'm 29 years old with no wife or children; I live a very comfortable life with my dog on less than $40,000 annually. I'm what many people consider frugal, some call cheap, and others call ...

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March 18, 2019

Black Coffee: Water, Water Everywhere …

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 is having a great ...

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March 16, 2019

3 Tips That Will Help You Learn More About Forex Trading

By Tex Freitag

Forex -- which is shorthand for "foreign exchange," but better known as world currencies -- is the largest and most liquid market in the world. As such, forex trading can be a daunting experience that requires proper groundwork. However, this ...

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March 15, 2019

How to Make Better Financial Decisions

By Tex Freitag

Good financial decisions are rarely impulsive. When you make irrational, spur of the moment decisions with money, they usually lead to overspending or -- even worse -- to unwise investments. As a result, you will be unlikely to maximize your savings ...

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March 13, 2019

My Ice Cream Taste Test: Are Haagen-Dazs and Ben & Jerry’s Overrated?

By Len Penzo

Did you know ice cream has been around since at least the 18th century? It has. And today, the ice cream industry is bigger than ever, churning out hundreds of flavors each year. In case you're wondering, the four most popular ice cream flavors ...

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March 11, 2019

Black Coffee: Shuffling the Monetary System Deck Chairs

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 good week. We've ...

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March 9, 2019

4 Smart Reasons for Tapping Your Home Equity

By Tex Freitag

Did you know that your home has a tangible value to it that you can use? The equity in your house is something that you can take advantage of, but only if you have a good reason to. Using your home's equity is basically like taking out a second ...

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March 8, 2019

Grandfather Says: The Difference Between Cats and Dogs

By RD Blakeslee

Grandfather has always lived with dogs, but now that he's married to a cat lady, it's: Grandfather admits he loves dogs, but he also admits cats are easier, at his age. And they do things differently than dogs. For example, cats ...

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March 7, 2019

A Quick Overview of Some Important Life Insurance Benefits

By Enero Febrero

Life insurance is one of the major pillars of financial planning. In fact, it is the one of the simplest and best ways to financially safeguard the future of your loved ones in your absence. However, many people are still unaware of the benefits that ...

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March 6, 2019

Black Coffee: Gold and the Fed’s Monetary Roach Motel

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. And away we go ... Gold is money. ...

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March 2, 2019

100 Words On: The Department of Redundancy Department

By Len Penzo

When it comes to the world of banking, nobody seems to have any problem with redundancy. How else can you explain the fact that people routinely use their PIN number at the ATM machine? If you ask a linguist, he'll boldly proclaim that redundancy ...

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February 28, 2019

4 Smart Reasons Why College Isn’t for Everyone

By Len Penzo

Some things in life are painfully overrated. Take camping, for instance. Or iPhones. I've never understood the allure of luxury cars or the Baby Boomer generation's collective fascination with Bob Dylan either. And although it pains me to say this ...

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February 25, 2019

How Taking a Chance On Penny Stocks May Boost Your Returns

By Sabado Domingo

One of the first things you learn about personal finance is that there are three keys to financial success: save more than you spend, live by a budget, and invest. In this post I'm going to talk about investing, in particular, how investing in the ...

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February 24, 2019

Black Coffee: The Acme Investing, Trading & Retirement Company

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 glorious week comes ...

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February 23, 2019

Tips for Female Entrepreneurs – How to Get a Small Business Loan

By Enero Febrero

Today, 40% of all entrepreneurs in the US are women. But, unfortunately, these numbers do not line up with their access to small business loans. In fact, many female entrepreneurs today find it quite challenging to take a loan. However, lack of ...

Continue reading Tips for Female Entrepreneurs – How to Get a Small Business Loan

February 22, 2019

Grandfather Says: Strange Dreams

By RD Blakeslee

Grandfather says he supposes everyone has weird dreams from time to time. For example, last night Grandfather had a cow hitched to a plow and walked her up a ramp. She broke through the ramp and got one leg stuck. Then Grandfather woke up, ...

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February 21, 2019

5 Tips Guaranteed to Help You Build Wealth After Graduation

By Tex Freitag

If there's one thing that kids these days aim for, it's having a fat bank account. Of course, the road to financial independence starts after you have spent at least four years getting a college degree. No doubt, everything that comes afterward is ...

Continue reading 5 Tips Guaranteed to Help You Build Wealth After Graduation

February 20, 2019

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