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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Celebrating Children with the ROFX Education Program

By Enero Febrero

Everybody agrees that children, being the future pillars of our nation, need proper education and guidance in their formative years to tap on their full potential in life. However, the sad part of the story is that a majority of the children, from ...

Continue reading Celebrating Children with the ROFX Education Program

August 28, 2018

3 Big Reasons Why You Need to Know Your Credit Score

By Sabado Domingo

Anyone who has ever gotten a loan or mortgage or owned a credit card has a credit score. If you're like most people, however, you probably don't pay too much attention to it. Sure, it will come up once in a while when you're getting ready to apply ...

Continue reading 3 Big Reasons Why You Need to Know Your Credit Score

August 25, 2018

Black Coffee: Well … So Much for Irrational Exuberance

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. Another glorious week has come to an ...

Continue reading Black Coffee: Well … So Much for Irrational Exuberance

August 25, 2018

3 Successful Sectors to Explore in the B2B Space

By Sabado Domingo

As early as 2015, Think with Google found that millennials were making nearly half of all business-to-business (B2B) decisions. Obviously, that meant focusing more on e-commerce stores and social media. So what's most noticeable about B2B ...

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August 24, 2018

Grandfather Says: Grandmother’s College Graduation

By RD Blakeslee

Grandfather remembers when grandmother went to college. Grandfather graduated in 1957 but Grandmother didn't finish until 1974, age 40. Each of us was raised in a working class, bible-believing family and it didn't occur to us to get ...

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August 23, 2018

How to Improve Your Chances for a Loan When You’re Self-Employed

By Sabado Domingo

Life is never a straight path. No matter how financially prepared you are, there is a chance that you might need a loan to offset an emergency or even make a big purchase. This is a big reason why consumer debt in America -- both personal loans and ...

Continue reading How to Improve Your Chances for a Loan When You’re Self-Employed

August 22, 2018

How Drivers with Tickets Can Keep Their Insurance Rates as Low as Possible

By Len Penzo

When shopping for car insurance, there are plenty of factors that affect rates including your age and gender, your car's make and model, where you live, and your coverage. Another factor is your driving history, which includes accidents and traffic ...

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August 21, 2018

How I Live on Less than $40,000 Annually: Evan from Pennsylvania

By Evan Gruber

My name is Evan and I'm a 31-year-old equipment operator living in Pennsylvania. I'm married, with a two-year-old daughter, and another child on the way! My wife and I have always been savers. Both our families value thriftiness, and promote a ...

Continue reading How I Live on Less than $40,000 Annually: Evan from Pennsylvania

August 20, 2018

Black Coffee: If Ifs and Buts Were Candies and Nuts

By RD Blakeslee

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. Len asked me to fill in for him while ...

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August 18, 2018

How to Stretch Your Gaming Dollars via Smart Bankroll Management

By Tex Freitag

When it comes to gambling, managing your money is very important, which is why experienced gamers always have a sound money management system in place. This is especially important when playing real money casino games such as slots, which have no ...

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August 17, 2018

5 Things Every Student Must Know Before Renting Their First Apartment

By Alkire Leanna

The excitement of leaving home and going to college is a feeling that most students experience when they're making that big change in their lives. Many students rejoice over the fact that they'll be away from home where there are no house ...

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August 16, 2018

The Road to $1 Trillion: A List of Major Market Cap Milestones

By Jeff Desjardins

The market continues to buzz about Apples $1 trillion market valuation. It's an incredible amount of wealth creation in any context -- but getting to 12 zeros is especially impressive when you consider that Apple was just 90 days from declaring ...

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August 15, 2018

Black Coffee: Bitcoin, Bolivars, Bucks, Banks and Other Bogus Business

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 ...

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August 11, 2018

The Big Secret to Successful Investing

By Tex Freitag

No one gets into investing to lose money. You need great information, great strategy and great resources to bounce back from missteps in order to succeed. Take an investment lesson from entrepreneurs eager to disrupt markets and find new niches. ...

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August 10, 2018

Grandfather Says: The Family Trip to Maine

By RD Blakeslee

Grandfather remembers the family trip to Maine. That was in 1961 and the family was Grandfather-yet-to-be, Grandmother-yet-to-be, a three-and-a-half-year-old daughter and a one-year-old son. The son was left with friends and the "Three ...

Continue reading Grandfather Says: The Family Trip to Maine

August 9, 2018

The 4 Coolest Kid Phones For 2018

By Enero Febrero

Kids are often seen spending time checking out games, interesting resources and learning tools on their smartphones and tablets. A good phone with a horde of exciting features is all you need to get your kid hooked on cutting edge technology. With ...

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August 8, 2018

7 Tips for Buying Business Assets with the Highest ROI

By Sabado Domingo

As a business owner, you are constantly on the lookout for ways to increase the profitability of your enterprise. After all, the reason you started a business in the first place was to make money and you certainly don't want to take any actions that ...

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August 7, 2018

Black Coffee: Looking for Solutions

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. We've got a lot to cover this week, so ...

Continue reading Black Coffee: Looking for Solutions

August 4, 2018

Why You Should Teach Your Kids About Money While They’re Young

By Enero Febrero

It is not uncommon to hear older people saying they wish they had learned how to save from an early age. For that reason, such parents will give their children a piggy bank in a bid to encourage them to cultivate this idealistic behavior early on in ...

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August 3, 2018

The Top 5 Health Insurance Shopping Secrets

By Sasha Novelli

It's no secret that health insurance is expensive. Not only is it costly, but it's complicated and confusing. It's understandable to be frustrated about how to choose the best coverage and what to look for. While shopping for health insurance will ...

Continue reading The Top 5 Health Insurance Shopping Secrets

August 2, 2018

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