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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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7 Tips That Can Help You Avoid Being Audited by the Taxman

By Enero Febrero

Nothing scares the taxpayer more than the prospect of being audited by the Internal Revenue Service (IRS). However, you should find comfort in the fact that tax audits are a rare occurrence. In fact, a measly 1% of all returns were audited last ...

Continue reading 7 Tips That Can Help You Avoid Being Audited by the Taxman

January 15, 2019

Black Coffee: Separating the Sheep from the Goats

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. Let's get right to it this week ...

Continue reading Black Coffee: Separating the Sheep from the Goats

January 12, 2019

What Services Does a Mortgage Licensing Company Offer?

By Tex Freitag

Looking to become a loan officer? Want to work at a financial institution, or expand the services offered by your current company? Many people do not accomplish this all on their own; they may use the services provided by a mortgage licensing ...

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January 11, 2019

Grandfather Says: My Life as a Soldier

By RD Blakeslee

Grandfather says he was a soldier once, in the Army during Korean War times. Grandfather had developed a lot of stamina on his high school track team and, independent cuss that he was (and is), he stood during basic training forced march rest ...

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January 10, 2019

8 Small Business Financing Options for People with Bad or No Credit

By Sabado Domingo

After making the only New Year's resolution that matters, maybe it's time to use the resulting savings by turning it into an investment. A small business is one option, but they can be costly to maintain. Of course, there's certainly nothing wrong ...

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January 9, 2019

Black Coffee: The Needle and the Damage Done

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. Happy New Year everybody! Let's get ...

Continue reading Black Coffee: The Needle and the Damage Done

January 5, 2019

4 Easy Steps to Trading a CFD Online

By Enero Febrero

A contract for difference (CFD) is a novel way of trading that allows you to trade in a financial instrument without actually owning the underlying asset. With CFDs, you can speculate on the prices of volatile financial markets worldwide such as ...

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January 4, 2019

Premier Student Loan Center Is Putting Customer Service Above New Clients

By Sabado Domingo

With post-secondary graduates facing an all-time high of student debt and staggering numbers of student loans entering into default, companies dedicated to providing financial assistance to borrowers were established. In operation for almost half a ...

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January 4, 2019

4 Habits and Systems that the Wealthy Follow Religiously

By Tex Freitag

There are rich people who are bonafide geniuses; you know, the kind that went to Harvard and then dropped out or the kind that got into MIT and used their big brains to make a ton of money. While intelligence, charm and extreme talent are wonderful ...

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January 3, 2019

6 Major Green Investments for Your Small Business

By Sabado Domingo

Going green with your business is important for protecting the environment, but did you know it can also improve your bottom line? Besides doing wonders for your company's public image, making eco-friendly changes can also save money by reducing the ...

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January 2, 2019

Black Coffee: Two Minutes to Midnight

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 everyone is enjoying the ...

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December 29, 2018

Grandfather Says: Remembering Grandfather’s Grandfather

By RD Blakeslee

Grandfather remembers his grandfather, James F. Miller, a man respected and honored as the family's patriarch. He sired eight children, one of whom died in infancy; a common occurrence which was accepted stoically, in those days. Grandfather ...

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December 27, 2018

5 Features Every Car Insurance Comparison Website Must Have

By Tex Freitag

There's no denying that car insurance is getting more and more expensive, which is why car insurance comparison websites have become so popular over recent years. Using the websites, you'll be able to find all the information you need to know about ...

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December 27, 2018

What to Do After Your Individual Voluntary Agreement (IVA) Is Approved

By Enero Febrero

For folks living in England and Wales, an individual voluntary arrangement -- or IVA, for short -- is a formal alternative for individuals who want to avoid bankruptcy. As such, having your IVA approved is a big achievement. If you follow the ...

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December 26, 2018

6 Factors to Consider When Finding a Suitable Apartment to Rent

By Sabado Domingo

Many of us contemplate renting an apartment at some point in our lives. Perhaps you're moving out of your parents' home, you're taking a job in a new city, or you need a short-term rental until your home remodeling project has been completed. What ...

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December 25, 2018

Black Coffee: ‘Tis the Season to Be Selling

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. Merry Christmas, everyone! Put a ...

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December 22, 2018

4 Home Financing Options for People with Poor Credit

By Sabado Domingo

We've all heard the countless horror stories from our friends with poor credit. A poor credit score can absolutely ruin your finances and any future plans you may have had; this includes your ability to buy a new home or car, and can even affect your ...

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December 21, 2018

100 Words On: How to Get an Instant Raise – Without Kissing Up!

By Len Penzo

The US inflation rate last year was "officially" 2.1% -- but arguably higher -- while the average pay hike was just 2.9%. Maybe that's why, when it comes to job complaints, surveys show that employees grouse about their paltry paychecks more than ...

Continue reading 100 Words On: How to Get an Instant Raise – Without Kissing Up!

December 20, 2018

3 Economically Attractive Countries for Starting a Business

By Enero Febrero

There are numerous countries that are attractive for starting a business activity and choosing one can be a challenging aspect, as plenty of the top business destinations provide a wide range of advantages. Deciding on the country in which a business ...

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December 19, 2018

How to Open a Bank Account

By Sabado Domingo

Opening a bank account shouldn't be difficult. In our age of highly developed banking system, a life without bank accounts defies imagination. Indeed, it seems easier for us to visualize activities somewhere on the untrodden Venus or Uranus than ...

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December 18, 2018

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