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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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 ...

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February 18, 2025

How to Negotiate a Higher Salary with Potential Employers

By Mikey Rox

Whether you're being considered for a new position at a new company or you're trying to climb the ladder within your current company, the name of the game is getting more pay. Yes, the work is supposed to satisfy us, but for most people it's all ...

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February 18, 2025

Social Security Number Facts: 18 Things You Didn’t Know

By Len Penzo

This weekend I was looking through the safe that holds all of my most important documents, like family birth certificates, insurance policies and the secret recipe for mom's sauce, when I ran across my Social Security card. Now I'll wager that, if ...

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February 17, 2025

Black Coffee: Plugged Nickels & Pretty Pennies

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 ...

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February 15, 2025

Smart Money Habits to Help You Save More Every Month

By Corazon Gritar

smart money habits

Creating smart money habits is a powerful way to enhance financial stability and achieve long-term goals. In today's fast-paced world, where expenditures seem endless, adopting strategic approaches to money management is essential. This article ...

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February 13, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 60

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: A“Toast” to My Retirement (“The Case of the Korbel Wine”)  I retired from the school system after my nine-year career as the ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 60

February 13, 2025

8 Payday Loan Alternatives That Loan Sharks Don’t Want You to Know

By Gerrid Smith

When you examine the numbers, it's difficult to deny that payday loans are detrimental to your finances. Yet people use them -  despite the fact that there are payday loan alternatives out there. The trouble is, payday loans affect real people with ...

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February 12, 2025

Why ES Mini Futures Are Popular Among Traders

By Sabado Domingo

Trading in financial markets can often feel complex, but certain instruments stand out for their accessibility and popularity. ES Mini Futures, a derivative product tied to the S&P 500 index, has emerged as a favorite trading tool for many. This ...

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February 11, 2025

Get to Know Typical Personal Injury Case Expenses

By Corazon Gritar

When you’ve suffered an injury due to someone else’s negligence, the legal process that follows can seem daunting - especially once personal injury case expenses come into play. The out-of-pocket costs of a personal injury case can vary widely, ...

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February 11, 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

Could Japanese Equities Be Your Portfolio Success Story in 2025?

By Enero Febrero

Investing is all about finding the right opportunities at the right time. While many investors focus on US or European markets, Japanese equities could be an underrated goldmine in 2025. Japan, the world’s third-largest economy, is undergoing ...

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February 10, 2025

10 Easy Ways to Save Big Money Every Day

By Len Penzo

Savvy individuals are always looking for great ways to cut costs and save money. In fact, sticking to a careful budget today is more important than ever. But individuals who want to save big money don't need to worry. Here are 10 simple tips that can ...

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February 10, 2025

Black Coffee: The Love & Money Edition

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. ...

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February 8, 2025

What Is a Mortgage Broker (and Is One Right for You)?

By Len Penzo

What is a mortgage broker? In short, a mortgage broker is an independent middleman who finds potential customers for mortgage lenders. The mortgage broker's job is to collect all of the loan documents from a prospective borrower; he then reviews and ...

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February 6, 2025

How to Survive the Apocalypse (Or at Least Have Fun Trying)

By Forest Parks

You're sitting there just finishing off your last can of baked beans. They're cold, of course, because your fuel ran out a year ago. It's been three years in that hole, with no instructions over the radio from the army, and nobody banging on the ...

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February 5, 2025

Clothes Buying Tips: 7 Questions You Should Always Ask

By Anum Yoon

Investing in new clothes is a process that takes several steps. While splurging on yourself can be fun, you should always keep in mind how practical your new purchase will really be. When it comes to clothes buying tips, you can keep your inner ...

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February 4, 2025

What Is GAP Insurance for Cars and When Should You Buy It?

By Len Penzo

Many years ago, I worked with an old engineer who always wore a belt and suspenders. Always. One day I pointed out that fashion snobs consider a belt and suspenders to be a serious sartorial faux pas. He was unimpressed. "I know," he said, "But ...

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February 3, 2025

Black Coffee: Sticker Shock

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 ...

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February 1, 2025

Accelerate Your Inheritance: A Comprehensive Look at Probate Advance

By Tex Freitag

Probate can be a daunting process - especially for individuals grappling with the emotional aftermath of losing a loved one while also trying to manage finances. When an estate enters probate, assets are generally frozen until the courts approve ...

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January 31, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 59

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: Six months after our trip to Europe, my life changed from elated to dreading Erik’s orders for Operation Desert Shield, which ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 59

January 30, 2025

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