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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Flying Blind with Jackals and Jackasses

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. Are you ready? After my vacation in ...

Continue reading Black Coffee: Flying Blind with Jackals and Jackasses

October 7, 2017

7 Tips to Help Ensure Your Bills Are Always Paid On Time and In Full

By Sabado Domingo

As you probably already realize, you're going to run into significant problems if you're unable to get your bills paid in full. Late payments will cause your bills to double, if not quadruple. Simultaneously, there is a good chance that your credit ...

Continue reading 7 Tips to Help Ensure Your Bills Are Always Paid On Time and In Full

October 4, 2017

Black Coffee: Gone Today, Here in Maui

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: Gone Today, Here in Maui

September 30, 2017

7 Ways to Ensure You’ll Get Enough Volunteers for Your Next Fundraiser

By Helen Cartwright

More often than not, finding help to run a fundraiser can be an almost impossible task. This can be even more difficult when you need volunteers who will work free. Unfortunately, most people don't know where to begin when it comes to ensuring ...

Continue reading 7 Ways to Ensure You’ll Get Enough Volunteers for Your Next Fundraiser

September 27, 2017

Black Coffee: Sir Isaac Newton and the Three Bears

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: Sir Isaac Newton and the Three Bears

September 23, 2017

Analyzing The Rise of OmiseGO: Ethereum’s First Unicorn

By Tex Freitag

The ETH blockchain has its first unicorn: OmiseGO. With the premise of "unbanking the banked," OmiseGO wants to disrupt the actual scheme of economy by bringing more power to the people and less to the banks. Nonetheless, this article won't ...

Continue reading Analyzing The Rise of OmiseGO: Ethereum’s First Unicorn

September 23, 2017

Short Term Financial Solutions for Individuals

By Enero Febrero

Many of us come across a time where we are so short of cash that we can't pay for the essentials. It may be because you had unexpected repairs or bills that had to be dealt with, it could be because of a problem with your wages, or it may be that you ...

Continue reading Short Term Financial Solutions for Individuals

September 22, 2017

How to Buy a Great Mattress Without Spending a Fortune

By Sabado Domingo

If you want to be as productive and healthy as you possibly can, you need to ensure that you get a good night's sleep; for most adults this is between seven and nine hours each night. You may not realize it, but if you want to make sure that you get ...

Continue reading How to Buy a Great Mattress Without Spending a Fortune

September 21, 2017

Debt Consolidation Program Pros and Cons You Need to Know

By Jennifer Lohan

If you allow your debts to pile up, they can draw you into a vicious debt cycle. You can try to solve the debt problems on your own by implementing some severe austerity measures such as cutting spending to the bone, and selling luxury items to free ...

Continue reading Debt Consolidation Program Pros and Cons You Need to Know

September 20, 2017

Black Coffee: Drowning In a Sea of Red Ink

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 awesome summer week is behind ...

Continue reading Black Coffee: Drowning In a Sea of Red Ink

September 16, 2017

7 Money-Saving Packing Tips for When You’re Moving Out

By Enero Febrero

What does the process of moving out look like? Well ... it's a complete mess! Just picture hundreds of boxes and bags, wrapped furniture and appliances literally everywhere in your home. During this period, you may not even have the time to eat ...

Continue reading 7 Money-Saving Packing Tips for When You’re Moving Out

September 15, 2017

Black Coffee: A Hurricane for Your Thoughts

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 this week, so ...

Continue reading Black Coffee: A Hurricane for Your Thoughts

September 9, 2017

4 Important Art Investment Tips for Newbies and Wannabies

By Gayle Tate

This morning I find myself running to my office with a package in hand, looking desperately for something to cut the tape with. A painting has just arrived by Priority Mail, and I can't wait to open it. It is something that was offered by a seller ...

Continue reading 4 Important Art Investment Tips for Newbies and Wannabies

September 6, 2017

How Your Employer Is Stealing From You

By Len Penzo

Does anybody remember the Allentown woman who was sentenced to 57 months in prison for stealing $1.6 million from her employer over the course of an entire decade? Believe it or not, many employees misguidedly feel it's really no big deal to raid the ...

Continue reading How Your Employer Is Stealing From You

September 4, 2017

Black Coffee: A Bull Market In a China Shop

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. It's a holiday weekend, so let's get ...

Continue reading Black Coffee: A Bull Market In a China Shop

September 2, 2017

How Forex Brokers Earn Money

By Enero Febrero

The foreign exchange market involves buying and selling different currencies based on whether their value will appreciate or depreciate. This exchange takes place between traders and speculators. Forex is a high-risk market that trades $5 trillion on ...

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September 1, 2017

100 Words On: Why Raising the Minimum Wage Won’t Make You Wealthier

By Len Penzo

When governments interfere with the free market by raising the minimum wage, prices for everything naturally reset to accommodate that wage; it doesn't matter if the hourly minimum wage is $15, $20, $25 -- or even $1. Think about it; if raising the ...

Continue reading 100 Words On: Why Raising the Minimum Wage Won’t Make You Wealthier

August 31, 2017

5 Proven Ways to Crush Credit Card Debt

By Chris

So you think the answer to finally pay off all of your credit card debt is to read dozens of great personal finance books. You've even considered going further into debt, wanting to hit rock bottom, with the hope that such a move would motivate you ...

Continue reading 5 Proven Ways to Crush Credit Card Debt

August 29, 2017

Black Coffee: A Matter of Trust

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: A Matter of Trust

August 26, 2017

How to Know Which Bankruptcy Chapter Is Best for You

By Sabado Domingo

Nobody ever truly starts out dreaming of going bankrupt one day -- but sometimes it's a necessary evil. If the day finally comes when you decide to file for bankruptcy, the next decision is to understand the type of bankruptcy that best suits your ...

Continue reading How to Know Which Bankruptcy Chapter Is Best for You

August 22, 2017

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