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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: And for My Next Trick …

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: And for My Next Trick …

November 4, 2017

The 3 Biggest Lies Stock Brokers Tell Their Clients

By Robert Farrington

The sad truth is that most stock brokers are sales people. While they have a more glamorous name, their profession is sales: selling investors like you on a product so they can get paid. And just like used-car salesmen, stock brokers have been known ...

Continue reading The 3 Biggest Lies Stock Brokers Tell Their Clients

November 1, 2017

Black Coffee: Bubble, Bubble, Toil and Trouble

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. I was out of town and didn't get back ...

Continue reading Black Coffee: Bubble, Bubble, Toil and Trouble

October 28, 2017

4 Must-Read Personal Finance Books

By Kostas Chiotis

If you take time to focus only on the most important things, living a comfortable life will no longer be a vision but a reality. If you think that it is difficult to create their own strategy, then you can look for practical financial advice that can ...

Continue reading 4 Must-Read Personal Finance Books

October 25, 2017

Super-Scary Halloween Fare: 5 Meals That Bite Back

By Len Penzo

When I was a kid I had a neighbor down the street that used to put on the best Halloween haunted houses. He used to set it up in his garage using black lights, cottony spider webs, and giant refrigerator boxes to make a scary maze that we had to walk ...

Continue reading Super-Scary Halloween Fare: 5 Meals That Bite Back

October 24, 2017

Black Coffee: The Ongoing ‘Battle’ Between Bitcoin and Precious Metals

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 ... "Price is what ...

Continue reading Black Coffee: The Ongoing ‘Battle’ Between Bitcoin and Precious Metals

October 21, 2017

A Comparison of Concealed-Carry and Self-Defense Insurance Options

By Len Penzo

After receiving my license to carry a concealed weapon, I decided that it was prudent to make sure that I also had insurance to cover any potential criminal- and civil-defense costs that could arise from an unthinkable situation where I'm forced to ...

Continue reading A Comparison of Concealed-Carry and Self-Defense Insurance Options

October 18, 2017

Black Coffee: Bulls & Pigs Make Money, Bears Get Slaughtered (Again)

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 ... "Never ...

Continue reading Black Coffee: Bulls & Pigs Make Money, Bears Get Slaughtered (Again)

October 14, 2017

5 Ways to Make Money While Riding Your Motorcycle

By Enero Febrero

In an economy as unstable as the one we've been living in over the past ten years, it's always nice when you can make a little extra money from your hobby or something you enjoy doing. For example, some artists paint or sculpt for pleasure, then sell ...

Continue reading 5 Ways to Make Money While Riding Your Motorcycle

October 14, 2017

5 Steps to Securing a Small Business Loan

By Sabado Domingo

It's tough out there in the business sector; especially when you're just starting out. To this end, a small business loan can be a great relief -- but only if you have a meticulous plan for securing the best one for your fledgling company. You can ...

Continue reading 5 Steps to Securing a Small Business Loan

October 13, 2017

4 Ways to Build Your Credit History Without a Credit Card

By Allan Smith

Unless you have more than enough cash at your disposal, you will definitely require credit during some point of your life. Irrespective of whether you're planning to buy a new home, a big-ticket luxury item, a car, or an apartment, your credit score ...

Continue reading 4 Ways to Build Your Credit History Without a Credit Card

October 11, 2017

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 ...

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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

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