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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Save for Retirement When You Don’t Make a Lot of Money

By Ramona

Work for 30 years, retire, and enjoy your golden years, without doing too much to save for retirement because Social Security plans are enough; it may sound like science fiction now, but decades ago retirement planning was as simple as that for most ...

Continue reading How to Save for Retirement When You Don’t Make a Lot of Money

June 12, 2018

Black Coffee: Pecuniary Prestidigitation

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 ... "It ...

Continue reading Black Coffee: Pecuniary Prestidigitation

June 9, 2018

Where to Find Help When Your Business Has Tax Troubles

By Enero Febrero

Being an entrepreneur is challenging enough without the added trouble of a huge tax liability hanging over your head. Difficulties with business taxes can be both stressful and expensive to sort out. However, one important thing to remember is that ...

Continue reading Where to Find Help When Your Business Has Tax Troubles

June 8, 2018

Take a Look at the Exceptionally Low Running Costs of Electric Motorcycles

By Guest

Although it's taken its sweet time, electric car sales are continuing to rise. It's the same story for electric motorcycles (EM). In other words, electric vehicles (EVs) are here to stay -- and that's good news because they're much kinder to the ...

Continue reading Take a Look at the Exceptionally Low Running Costs of Electric Motorcycles

June 6, 2018

10 Debt Management Apps That Will Help You Organize Your Finances

By McCall Robison

Having debt is hard enough without knowing how to properly organize and manage it. But what if there was a simple budgeting tip that would allow you to organize all of your debts and finances in one place? Thankfully, debt management apps make this ...

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June 5, 2018

Black Coffee: Truth or Consequences

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 ... "The masses have ...

Continue reading Black Coffee: Truth or Consequences

June 2, 2018

Grandfather Says: He’s a Cowman (He Hasn’t Been a Boy In Years)

By RD Blakeslee

Grandfather says his Angus cattle herd produced five steer calves which measured up to those produced by modern breeding methods from some of the biggest herds in the US, in the American Angus Association's national carcass quality contest in 1991. ...

Continue reading Grandfather Says: He’s a Cowman (He Hasn’t Been a Boy In Years)

May 31, 2018

How to Plan a Vacation on a Tight Budget and Stick to It

By Sabado Domingo

Vacations can be the most relaxing and fun times of our lives, but planning them on a budget -- and then trying to stick to that budget -- can quickly turn any soothing get-away into a travel nightmare. So if you're looking to book your summer ...

Continue reading How to Plan a Vacation on a Tight Budget and Stick to It

May 30, 2018

The Art of the Side Hustle: Overlapping Your Day Job with Entrepreneurship

By Tex Freitag

ads for your side hustle

Very few businesses today are started by those without existing careers. Instead, many choose to take a well-paid job and then create another business in their spare time, only to go full-time when they're confident. In principle, the side hustle ...

Continue reading The Art of the Side Hustle: Overlapping Your Day Job with Entrepreneurship

May 29, 2018

Black Coffee: Rich Man, Poor Man

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 comes to an end. ...

Continue reading Black Coffee: Rich Man, Poor Man

May 26, 2018

The Pros and Cons of Gold Investing

By Enero Febrero

Gold has a long history of use as a primary form of currency in many nations. And although it is no longer used as currency anymore, many people still considers it as a form of wealth insurance. Other people look to gold as an investment. For more ...

Continue reading The Pros and Cons of Gold Investing

May 25, 2018

4 Small Expenses That Can Add Up to Become Big Budget Busters

By Enero Febrero

There are more than a few people out there who think they've got their spending under control, and yet they can't seem to figure out why they're still spending more than they earn every month. In many cases, the answer is simply that many people ...

Continue reading 4 Small Expenses That Can Add Up to Become Big Budget Busters

May 23, 2018

4 Basic Strategies for New Stock Market Investors

By Sabado Domingo

If you're thinking of investing in the stock market, you may be trying to decide if you should put your money into a start-up or if you would be better off investing in a company with an established track record. Ultimately, you have to decide ...

Continue reading 4 Basic Strategies for New Stock Market Investors

May 22, 2018

Black Coffee: Hope and Chains

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. Okay, away we go ... "He who goes a ...

Continue reading Black Coffee: Hope and Chains

May 19, 2018

A Look at the Economic Importance of the Trucking Industry

By Tex Freitag

We live in an economy today that is very different from those of years gone by. Technology has made it possible for consumers in almost any location to buy products from retailers in almost any other location, with minimal costs to both. In this ...

Continue reading A Look at the Economic Importance of the Trucking Industry

May 18, 2018

Will Any Insurance Company Risk Covering the ‘Deadliest Catch’ Crew?

By Sabado Domingo

Millions of viewers tune in each week to watch the exploits of the Deadliest Catch crew as they face off against the unforgiving seas in search of their vaunted treasure, the rare and valuable Alaskan King Crab. Their high market value makes reeling ...

Continue reading Will Any Insurance Company Risk Covering the ‘Deadliest Catch’ Crew?

May 16, 2018

Black Coffee: Acme Financial Securities Inc.

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. There's a lot to cover so let's dig in ...

Continue reading Black Coffee: Acme Financial Securities Inc.

May 12, 2018

5 Ways to Become More Money Conscious

By Sabado Domingo

how to break a shopping addiction

One of the biggest challenges with the advances in technology from a finance perspective is that money no longer seems tangible. The days of opening your wallet, finding no cash, and simply not buying something are over. Now, we can easily spend more ...

Continue reading 5 Ways to Become More Money Conscious

May 11, 2018

100 Words On: The Real Reason Why Drive-Up ATMs Have Braille Keypads

By Len Penzo

One of life's greatest so-called mysteries is why American drive-up automated teller machine keypads have Braille on them. On the surface it seems to be a preposterous notion. After all, the logic goes, blind people can't drive; but who says only a ...

Continue reading 100 Words On: The Real Reason Why Drive-Up ATMs Have Braille Keypads

May 10, 2018

Don’t Get Zapped: 3 Ways the Right Insurance Limits Electrician Expenses

By Enero Febrero

Unsurprisingly, electricians face severe risks in their line of work. The tiniest mishap can lead to significant bodily harm, not to mention massive financial losses. As an electrician, therefore, protecting yourself with proper insurance is as ...

Continue reading Don’t Get Zapped: 3 Ways the Right Insurance Limits Electrician Expenses

May 9, 2018

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