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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Here Are a Few Basic Factors to Consider When Shopping for a Home Loan

By Enero Febrero

Today, almost everyone understands that the last recession had its roots in domestic mortgage borrowing. Many home loans were effectively toxic and were almost completely dependent upon the increase in real estate values providing lenders with their ...

Continue reading Here Are a Few Basic Factors to Consider When Shopping for a Home Loan

May 8, 2018

Cafe Negro: Cinco de Mayo Edicion Especial

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 ... "In time of peace ...

Continue reading Cafe Negro: Cinco de Mayo Edicion Especial

May 5, 2018

5 Basic Tips for First-Time Homebuyers

By Sabado Domingo

Buying a house for the first time can be a thrilling and nerve-wracking experience. Although the learning curve is steep, doing a bit of financial homework will make the task a lot easier. With that in mind, here are a few tips that will help make ...

Continue reading 5 Basic Tips for First-Time Homebuyers

May 4, 2018

Bitcoin IRA Fees and 4 Other Related FAQs Answered

By Tex Freitag

Bitcoin is a cryptocurrency which has been around for a few years now; and in 2017 it gained worldwide attention after its price skyrocketed from $2000 to $20,000 in a matter of just a few months. Of course, there is a lot of controversy still ...

Continue reading Bitcoin IRA Fees and 4 Other Related FAQs Answered

May 2, 2018

3 Reasons Why an Automated Budget Will Help You Crush Debt

By Chris

I know what you're thinking: As soon as I start earning more money I'll finally become debt free! In reality, the moment you start earning more money you'll start spending more and end up in the same position you're currently on. Don't feel ...

Continue reading 3 Reasons Why an Automated Budget Will Help You Crush Debt

May 1, 2018

Black Coffee: ‘X’ Marks the Spot

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: ‘X’ Marks the Spot

April 28, 2018

4 Tips For Saving Money While Traveling The World

By Enero Febrero

International travel is something most people never get to do. A flight overseas requires you to have discretionary money most people don't have, not to mention the available time to take off from work. Then there's the expenses of the trip ...

Continue reading 4 Tips For Saving Money While Traveling The World

April 27, 2018

Caring for Aging Parents? These Minor Home Mods Make a Big Difference

By Tex Freitag

The time will come when your parents are no longer able to care for themselves. Whether that is because of health issues or simply from aging, they'll need someone to support them on a regular basis. Although some adult children decide that it is ...

Continue reading Caring for Aging Parents? These Minor Home Mods Make a Big Difference

April 26, 2018

Comparing the Costs of Various Emergency Food Supply Options

By Len Penzo

Sometimes it's not easy being an ant. Especially when you're living among a bunch of grasshoppers. There's a well-known Aesop fable about an oblivious grasshopper who spent his summer days living the high life and mocking an industrious ant, who ...

Continue reading Comparing the Costs of Various Emergency Food Supply Options

April 23, 2018

Black Coffee: And … It’s Gone

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 ... "We inflate our ...

Continue reading Black Coffee: And … It’s Gone

April 21, 2018

How to Get the Most for Your Money on a Gaming Vacation

By Tex Freitag

We all go on vacations for a whole number of reasons. Some just like to get away from the daily grind, while others go on holiday for a specific purpose. Gaming vacations have become increasingly popular over the years, especially with places such as ...

Continue reading How to Get the Most for Your Money on a Gaming Vacation

April 20, 2018

4 Things Everyone Should Know About the Cost of Growing Old

By Enero Febrero

Many young, healthy Americans probably aren't aware of a very troubling possibility that could ultimately affect them down the road: There's a good chance they could spend the later years of their lives in long-term care -- a situation that could ...

Continue reading 4 Things Everyone Should Know About the Cost of Growing Old

April 18, 2018

Black Coffee: Credit Stiffs, Corporate Zombies and the Walking Dead

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 ... "In ...

Continue reading Black Coffee: Credit Stiffs, Corporate Zombies and the Walking Dead

April 14, 2018

3 Ways You Can Save Money by Spending It

By Tex Freitag

You might think that the best way to save money is to not spend it. However, some of the most useful money saving tips involve taking advantage of free services and exercising a modicum of self-control. But those are not the only ways to save money. ...

Continue reading 3 Ways You Can Save Money by Spending It

April 11, 2018

5 Pitfalls to Avoid If You’re Trying to Improve Your Credit Score

By Enero Febrero

Are you going to take out a loan? Do you want to apply for another credit card? If so, your credit score can increase your chances of getting your applications approved. You see, the credit score is a numerical value that tells lenders that you are ...

Continue reading 5 Pitfalls to Avoid If You’re Trying to Improve Your Credit Score

April 10, 2018

How I Live on Less than $40,000 Annually: Emily from Illinois

By Guest

My name is Emily and I'm 27. My husband, Kirk, is 29 and we have a newborn son. We live in Springfield, Illinois. I'm transitioning from full-time to part-time as an accountant and teaching a few violin students. My husband is a guitar teacher and ...

Continue reading How I Live on Less than $40,000 Annually: Emily from Illinois

April 9, 2018

Black Coffee: Godzilla vs. The Pizza Monster

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 an ...

Continue reading Black Coffee: Godzilla vs. The Pizza Monster

April 7, 2018

How to Find a Legitimate Debt Relief Company

By Tex Freitag

Are you in over your head in debt and feel like there's no end in sight? The first step is to take a deep breath and know you're not alone. After all, US consumer debt rose $13.9 billion in January 2018 to $3.86 trillion overall; that's an annualized ...

Continue reading How to Find a Legitimate Debt Relief Company

April 5, 2018

Stretching Your Money: What Do Hotel Star Ratings Really Mean?

By Tex Freitag

If you've ever searched for a hotel, whether via an online travel agency, a guidebook or simply by looking at hotel websites, you've probably noticed star ratings and deals and promotions with headlines like those above. But have you ever thought ...

Continue reading Stretching Your Money: What Do Hotel Star Ratings Really Mean?

April 3, 2018

Black Coffee: Bitcoins, Bolivars and Other Rotten Easter Eggs

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, shall ...

Continue reading Black Coffee: Bitcoins, Bolivars and Other Rotten Easter Eggs

March 31, 2018

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