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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: The Darkness at High Noon Edition

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 still August but, here in ...

Continue reading Black Coffee: The Darkness at High Noon Edition

August 19, 2017

How to Find the Cheapest Broadband So You Can Save a Small Fortune

By Sabado Domingo

The days when only a few people had access to the Internet are long gone. The Internet now provides us with endless information and has near endless uses -- so having reliable access is a must in today's world. But what do you really need in an ...

Continue reading How to Find the Cheapest Broadband So You Can Save a Small Fortune

August 18, 2017

9 Ways to Make Sure You’ll Always Get the Best Deal on Car Insurance

By Tex Freitag

At some point, we all realize that although car insurance seems purely precautionary, it's absolutely necessary because accidents can be extremely costly. Smart people make car insurance work for them. Save your money and be astute when buying ...

Continue reading 9 Ways to Make Sure You’ll Always Get the Best Deal on Car Insurance

August 16, 2017

Black Coffee: Money for Nothing (and Chicks for Free)

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 ... "The ...

Continue reading Black Coffee: Money for Nothing (and Chicks for Free)

August 12, 2017

4 Basic Habits That Keep Most People Mired in Debt

By Maria Nedeva

Being in debt is largely a matter of second grade arithmetic -- if we spend more than we earn then we'll get in debt; if we continue spending more than we earn then we're likely to stay in debt. The solution is to reverse the equation: Instead of ...

Continue reading 4 Basic Habits That Keep Most People Mired in Debt

August 8, 2017

Black Coffee: Oh, the Humanity

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? I know I am, so here we ...

Continue reading Black Coffee: Oh, the Humanity

August 5, 2017

Black Coffee: Bubble Trouble on the Double

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 we? "In ...

Continue reading Black Coffee: Bubble Trouble on the Double

July 29, 2017

How to Switch Your Savings or Checking Account to a New Bank

By Enero Febrero

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 ...

Continue reading How to Switch Your Savings or Checking Account to a New Bank

July 28, 2017

How Smart Entrepreneurs Manage Business Risk

By Sabado Domingo

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 ...

Continue reading How Smart Entrepreneurs Manage Business Risk

July 26, 2017

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. ...

Continue reading A Simple Budgeting Plan for Those Who Struggle with Discipline

July 25, 2017

Black Coffee: Why Silicon Valley Billionaires Are Allergic to Gold

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: Why Silicon Valley Billionaires Are Allergic to Gold

July 22, 2017

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 ...

Continue reading 4 Tips for an Easier, Less Stressful Relocation

July 21, 2017

Black Coffee: The Beatings Will Continue Until Morale Improves

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 dive right in this week, shall ...

Continue reading Black Coffee: The Beatings Will Continue Until Morale Improves

July 15, 2017

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 ...

Continue reading How Businesses Limit Damage from Toxic Plugins, Software & Hardware

July 14, 2017

Black Coffee: Dealing from a Stacked Deck

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 ... "If you're ...

Continue reading Black Coffee: Dealing from a Stacked Deck

July 8, 2017

Why Going Back to Basics Pays Financially

By Enero Febrero

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 ...

Continue reading Why Going Back to Basics Pays Financially

July 7, 2017

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

By Enero Febrero

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 ...

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

July 6, 2017

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

By Sabado Domingo

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, ...

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

July 2, 2017

Black Coffee: Hope Is Not a Plan

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

Continue reading Black Coffee: Hope Is Not a Plan

July 1, 2017

The Importance of Knowing When to Change Your Career Path

By Len Penzo

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 ...

Continue reading The Importance of Knowing When to Change Your Career Path

June 30, 2017

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