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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Handle Foreign Business Partnerships

By Sabado Domingo

So, you're looking to break into an international market? When it comes to foreign business partnerships, there are numerous reasons why you may wish to choose one in order to expand your own company. There are also a great many things that you'll ...

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October 23, 2024

5 Ways to Reduce Medical Debt

By Corazon Gritar

Medical bills within the United States have climbed to shocking heights. As a result, people are constantly looking for ways to reduce medical debt. Where in the past medical bills were more affordable, now they can be difficult for people to afford. ...

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October 22, 2024

10 More Financial Old Wives’ Tales Masquerading As Rules of Thumb

By Len Penzo

There are people out there who swear that if you're lucky enough to see the first flower of springtime on a Friday, it's a sign of impending wealth. I know. I don't buy it either. Still, let's assume these folks know what they're talking about; ...

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October 21, 2024

Black Coffee: Canaries in the Coal Mine

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. Well ... another busy week is behind ...

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October 19, 2024

Affordability: How to Find Your Maximum House Payment

By Len Penzo

When it comes to figuring out your maximum house payment, there are two basic methods for determining how much house you can reasonably afford: Calculate Your Budget Using a Debt-to-Loan Ratio Mortgage providers generally require your total debt to ...

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October 17, 2024

Credit Cards: 4 Ways to Lower Your Interest Rate

By Todd Green

Over half of American households carry credit card debt from month to month. That means they're making interest payments that reduce the amount of money they have. Unfortunately, the higher your interest rate is, the more money you lose every month. ...

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October 16, 2024

The 5 Major Financial Personalities: Which One Do You Have?

By Anum Yoon

Although researchers disagree on just how much of our personalities are dictated by our genetics and how much comes from the way we were raised, one thing is clear: Your personality has a huge effect on how you relate to money. In terms of financial ...

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October 15, 2024

The Credit Karma Free Credit Score Offer: What They Won’t Tell You

By Sean Strauss

With millions upon millions of users, consumers regularly flock to see their free credit score on Credit Karma. And why shouldn't they? On the surface, the Credit Karma free credit score offer seems like a good thing, and it is - but only for the ...

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October 14, 2024

Black Coffee: Running the Numbers

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 hope everybody had an enjoyable week. ...

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October 12, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 51

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: The Runaway Truck The homebound teacher’s starting pay was $12,976, with a mileage allowance of 22 cents per mile; this ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 51

October 10, 2024

Why Service Industry, Banking, and Government Jobs Don’t Create Wealth

By Len Penzo

The high living standard that people enjoy in America -- and the rest of the world, for that matter -- is a result of the hard-earned work performed by our forefathers; most of them spent a lifetime of blood, sweat and tears, creating the wealth that ...

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October 9, 2024

Business Success Secrets From 5 Tuned-In Financial Advisors

By Mikey Rox

Throughout my career as a personal-finance blogger, I've given a lot of advice -- both personal and business related. But the truth is, I don't have any formal training in money matters. When it comes to business success secrets, what I know comes ...

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October 8, 2024

How to Save on Home Expenses During the Winter

By Corazon Gritar

As winter approaches, many homeowners brace for the increase in home expenses, particularly energy bills. Heating a home can put a strain on your budget, but with the right strategies, you can stay warm without breaking the bank. Here are some ...

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October 7, 2024

13 Yucky Halloween Treats Kids Would Rather Toss Than Eat

By Len Penzo

Back when I was a kid, every year at Halloween I'd come home from my trip around the neighborhood and eagerly empty the booty I had plundered from my neighbors onto the kitchen table. Most of it was the typical fare like the miniature Halloween ...

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October 7, 2024

Black Coffee: Whatever It Takes

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've got another busy weekend ahead of ...

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October 5, 2024

Home Projects to Focus Your Renovation Budget On

By Corazon Gritar

Renovating a home can be an exciting yet daunting task, especially when working with a tight budget. With numerous areas to upgrade, homeowners often wonder which projects will yield the most value and satisfaction. This article delves into the key ...

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October 3, 2024

How to Get a Free Credit Score

By Len Penzo

Your credit score is a financial report card that tells lenders how risky it is to do business with you. Credit scores are especially important for homebuyers because a high score indicates that they are more likely to pay back a loan. And that means ...

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October 3, 2024

5 Things Everyone Should Know About Corporate Finance

By Enero Febrero

Whether you're dealing with a household grocery budget, a home mortgage, or end-of-year income tax calculations, financial matters can be confusing. However, corporate finance and keeping control of your finances is a vital aspect of managing your ...

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October 2, 2024

How to Determine Your Housing Budget After a Divorce

By Corazon Gritar

Ending a marriage can dramatically alter your financial landscape, and one of the most pressing matters to address is your housing budget after a divorce. Understanding how to assess your financial situation post-divorce is essential for successfully ...

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October 1, 2024

How to Budget for Dental Braces as an Adult

By Corazon Gritar

Let's face it: dental work of any kind isn't cheap. Are you working within a tight budget for dental braces? Or do you just want to have a better grasp of the overall cost of braces or Invisalign treatments? Then we've got you covered! In fact, we've ...

Continue reading How to Budget for Dental Braces as an Adult

October 1, 2024

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