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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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

Black Coffee: The Crime and Punishment 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. Let's kick this baby off, shall ...

Continue reading Black Coffee: The Crime and Punishment Edition

April 8, 2017

Smart Energy Investing: Insights Into the Oil Industry

By Zak Ford

The global oil industry is constantly evolving and responding to changing demands and market conditions, which makes it fertile ground for potential investment opportunities -- provided you know how to interpret data and investor sentiment. Here ...

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April 7, 2017

What Influences Your Credit Report Score?

By Sabado Domingo

If you've ever gotten a free credit report score, you've probably wondered exactly what factors influence your overall credit score. Unfortunately, your credit score is a complicated number that is influenced by a variety of factors that differ from ...

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April 5, 2017

Black Coffee: Pass the Cream and Sugar

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. A new month is upon us, so let's get ...

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April 1, 2017

When Does a Hobby Turn Into a Business?

By Tex Freitag

Most of us dream of having a full-time occupation that not only keeps our finances healthy, but also indulges our creative tendencies too. And many lucky entrepreneurs have managed to turn their pastimes into lucrative occupations in a way that shows ...

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March 31, 2017

How to Find and Evaluate the Best Home Warranty Insurance Providers

By Sabado Domingo

Every home is subject to wear and tear over its lifetime; both due to the normal process of aging and as a result of other risks such as fires, bad weather or earthquakes among others. Depending on the magnitude of repairs needed at any given ...

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March 29, 2017

Black Coffee: Pardon My French

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, let's get right to it this week ...

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March 25, 2017

100 Words On: When Financial Perfection Is the Enemy of Good

By Len Penzo

When it comes to matters of personal finance, trying to find the optimal solution can be counterproductive simply because many decisions don't require extensive research. One of the best examples of this is when comparison shopping for a certain ...

Continue reading 100 Words On: When Financial Perfection Is the Enemy of Good

March 23, 2017

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