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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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A Homeowners Insurance Primer for Newbies

By Sabado Domingo

Most people understand the necessity of purchasing homeowners insurance to protect one of the largest investments they will make during their lives. But it is also vital to understand the types of coverage that are available, what is -- and is not -- ...

Continue reading A Homeowners Insurance Primer for Newbies

May 17, 2017

Black Coffee: Show Me the Money

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 ... Money is ...

Continue reading Black Coffee: Show Me the Money

May 13, 2017

Evaluating the Pros and Cons of 4 Common Car Loan Alternatives

By Sabado Domingo

In an ideal world we all want to be debt-free; and borrowing money is something that we all should approach with caution. However, when it comes to living a real life, very few of us will be able to escape borrowing money to finance a larger ...

Continue reading Evaluating the Pros and Cons of 4 Common Car Loan Alternatives

May 10, 2017

22 Signs Your College Degree Might Not Be Worth the Money

By Len Penzo

There's more than a grain of truth in the old joke that goes something like this: The engineering graduate asks, "How will it work?" The physics grad wants to know, "Why does it work?" And the liberal arts graduate asks, "Do you want fries ...

Continue reading 22 Signs Your College Degree Might Not Be Worth the Money

May 8, 2017

Black Coffee: A View from the Cuckoo’s Nest

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, off we go ... It's a question ...

Continue reading Black Coffee: A View from the Cuckoo’s Nest

May 6, 2017

Spread Betting is Education and Income All In One

By Tex Freitag

If you want to be really good at making money, you have to find lots of different ways to accomplish your goals, and practice all the time. That's because financial skills are transferrable. An insight you gain by spending time investing your money ...

Continue reading Spread Betting is Education and Income All In One

May 5, 2017

Basic Tips for Buying Your First Home on a Budget

By Enero Febrero

Buying your first home can be both exciting and terrifying at the same time. The old standard of saving a 20% down payment seems like an insurmountable task at times -- but there are alternatives available that can make owning your home a dream come ...

Continue reading Basic Tips for Buying Your First Home on a Budget

May 3, 2017

Black Coffee: The Double Bubble 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. So with that, let's get right to it ...

Continue reading Black Coffee: The Double Bubble Edition

April 29, 2017

What’s Next for the Price of Crude Oil?

By Tex Freitag

The ongoing rivalries between the major oil-exporting countries are currently intensifying. Most large producers are hugely dependent on income from crude oil sales to support growth. While restricting supply drives up prices, pumping out more of the ...

Continue reading What’s Next for the Price of Crude Oil?

April 28, 2017

3 Reasons Why Your Business Should Begin Accepting Credit Cards

By Pat Sava

It's crazy trying to run a business without accepting credit cards these days. Nearly everyone in the free world is at a least using a debit card that they have connected to their checking account. And many people like to build up travel miles, so ...

Continue reading 3 Reasons Why Your Business Should Begin Accepting Credit Cards

April 27, 2017

What’s Heaven Like for Entrepreneurs? Hint: It Has Capital

By Jim Thompson

You have had several business ideas over the years, but you have that one idea that you know can change your life, touch lives and change the world. However, it needs capital, and you can't figure out how to raise funds to launch or boost your ...

Continue reading What’s Heaven Like for Entrepreneurs? Hint: It Has Capital

April 26, 2017

4 Reasons Why Businesses Will Always Need Working Capital

By Enero Febrero

When people talk about business finances, they usually focus on startup capital, profits, and losses. Profits and losses are important because money is the lifeblood of business -- and you have no business being in business if you are running at ...

Continue reading 4 Reasons Why Businesses Will Always Need Working Capital

April 26, 2017

My Dumbest Money Mistakes (Part 2)

By Len Penzo

As I mentioned in Part 1, this story is not about everyday money leaks or niggling oversights we all make from time to time. It's about the type of money blunders that wake me up in the middle of the night and leave me covered in a cold ...

Continue reading My Dumbest Money Mistakes (Part 2)

April 25, 2017

Black Coffee: Goodnight, Goodnight

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: Goodnight, Goodnight

April 22, 2017

5 Side Businesses You Can Start from Home

By Sabado Domingo

If you're one of the few people who can walk into your work and demand a raise, good for you! Most of us can't do that, but almost everyone wishes they had some more money in their pockets -- especially at the end of the month. Luckily, there are ...

Continue reading 5 Side Businesses You Can Start from Home

April 21, 2017

7 Ways College Students Can Get Cash for Housing, Books and Tuition

By Ethan Butler

College is expensive. It can be tough to keep up with tuition payments, room and board and textbook purchases; time is also at a premium. So, how can you possibly find the extra cash to pay for all of these things? Luckily, there are lots of ...

Continue reading 7 Ways College Students Can Get Cash for Housing, Books and Tuition

April 19, 2017

Black Coffee: Lucy in the Sky with Diamonds

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 ... The ...

Continue reading Black Coffee: Lucy in the Sky with Diamonds

April 15, 2017

Why North Texas Is a Hotbed for Debt Relief Firms

By Enero Febrero

North Texas is becoming a popular destination for debt relief companies looking to set up shop. The region has become home to a range of firms including United Debt Counselors (UDC). The region has seen significant investment in retail and office ...

Continue reading Why North Texas Is a Hotbed for Debt Relief Firms

April 14, 2017

6 Cheeky Ways Frugal People Save Money

By Sabado Domingo

Hands up if you love budgeting. The odds are, most of you will be shaking your heads, rolling your eyes, or perhaps even thinking about moving on. Seriously, who wants to read any more crap about how to budget? But wait! We know you've heard ...

Continue reading 6 Cheeky Ways Frugal People Save Money

April 12, 2017

If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

By Len Penzo

Awhile back I described ten common characteristics of debt-free people. In that article, I specifically asked my readers to consider this question: "Why is it that there are families out there with household incomes under $40,000 comfortably ...

Continue reading If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

April 10, 2017

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