Len Penzo dot Com

Are you tired of long waits to speak to a teller or manager at your bank? When you call your bank for help, are you annoyed by the numerous automated-questions you have to endure before you can talk to a human being? Or, maybe your current bank has ...

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How Smart Entrepreneurs Manage Business Risk

Not too long ago, Len wrote about ways to manage personal finance risks. Evaluating risk is an important facet of being entrepreneur; the key is in understanding how to properly manage those entrepreneurial risks and how much of a risk you should be ...

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A Simple Budgeting Plan for Those Who Struggle with Discipline

By Antonio Fortunato

Len reminds us regularly of the power, importance and necessity of family budgeting; and budgeting is a staple in his top five tools for the successful household CEO. This article is not meant to replace the critically important family budget. ...

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Black Coffee: Why Silicon Valley Billionaires Are Allergic to Gold

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. ...

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4 Tips for an Easier, Less Stressful Relocation

By Tex Freitag

Choosing the best place to live is a difficult decision, but according to statistics on moving from the US Census Bureau, it's a decision millions of us make -- 11% of Americans move each year. As many movers learn, once the choice to relocate is ...

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Black Coffee: The Beatings Will Continue Until Morale Improves

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 dive right in this week, shall ...

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How Businesses Limit Damage from Toxic Plugins, Software & Hardware

By Tex Freitag

The tech services giant, IBM Corporation, suffered a recent embarrassment when it was forced to issue an alert on its support site notifying its customers that it had shipped malware-infected USB flash drives. The fact that this problem hit a large ...

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Black Coffee: Dealing from a Stacked Deck

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 ... "If you're ...

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Why Going Back to Basics Pays Financially

Most of us take the fact that we can access a bank account for granted -- whether it's drawing money out, transferring cash that we owe a friend, or paying our bills every month. But what if you're struggling with your money? It's not a given that a ...

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Life After Debt: Simple Ways to Avoid a Vacation Debt Hangover

The most dangerous disadvantage of using credit cards while traveling is their inability to prevent a total loss of self-control when it comes to buying souvenirs for you, your friends, and family members. If you aren't careful, that holiday in the ...

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4 Alternatives to Cashing Out Your 401k When You Need Money

When you need money, whether it's to pay for your child's education, purchase a new home, or to pay your bills, it can be tempting to turn to your 401k. However, even if you think that you have plenty of time to pay back the money you borrow from it, ...

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Black Coffee: Hope Is Not a Plan

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. Off we go ... "The track record of ...

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The Importance of Knowing When to Change Your Career Path

Capital One recently conducted a national survey and found that more than three quarters (77%) of Americans admitted that at some point in their career, they've taken a job that didn't align with their interests, ambitions or long-term goals. Capital ...

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The Big Secret to Learning How to Manage Your Investments

There was a time when the world of investments was relatively simple. For most people, it meant a home, a pension fund, a savings account and perhaps a few stocks and shares. All they had to do was sit back and watch them grow. These days, it's ...

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The Do’s and Don’ts of Building an Outdoor Fire Pit

Sitting before a fire under the stars on a cool summer night is, without a doubt, what life is all about; life's about enjoying the simple things. And whether you're roasting marshmallows with the kiddos or sipping hard cider with friends, a backyard ...

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Black Coffee: Goodbye Pension, Hello Tension

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. ...

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4 Smart Home Improvement Projects That Save Money in the Long Run