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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: The Christmas 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. Yeah, I work over the holidays too. ...

Continue reading Black Coffee: The Christmas Edition

December 24, 2016

5 Ways to Jumpstart Your Investing

By Sabado Domingo

Investing is essential for laying the foundation to your future. Wise investing will help provide the retirement dream that you've always wanted. Luckily, there are dozens of different ways that you can kick start your investing to get where you want ...

Continue reading 5 Ways to Jumpstart Your Investing

December 23, 2016

100 Words On: Why You Should Never Ever Fear Credit Cards

By Len Penzo

Credit cards provide a safe and convenient avenue for short-term borrowing. When used wisely and responsibly, credit cards provide valuable benefits that cash simply can't including consumer protections, cash dividends and other rewards. They can ...

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December 22, 2016

If You Love Finance Then Maybe a Career in Insurance Is for You!

By Sabado Domingo

Woody Allen famously said, "There are worse things in life than death. Have you ever spent an evening with an insurance agent?" If you love the challenge of creating a budget, are fascinated with market fluctuations and arent put off by a few ...

Continue reading If You Love Finance Then Maybe a Career in Insurance Is for You!

December 21, 2016

The Shark Tank Formula For Startup Success

By Ivan Serrano

Over the course of ABC's reality TV show Shark Tank, business dreams have turned into a reality for many entrepreneurs. Shark Tank highlights the ups and downs the process entrepreneurs must go through in order to obtain funding from sharks ...

Continue reading The Shark Tank Formula For Startup Success

December 20, 2016

Black Coffee: If It Pleases the Court …

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 today ...

Continue reading Black Coffee: If It Pleases the Court …

December 17, 2016

7 Signs That the Home You Want to Buy or Rent Has a Pest Problem

By Sabado Domingo

So you think you found the home of your dreams? Well, that potential dream home could easily turn out to be a nightmare if you don't pay attention during the house hunting process. After all, it's easy to overlook pest problems; many new home buyers ...

Continue reading 7 Signs That the Home You Want to Buy or Rent Has a Pest Problem

December 16, 2016

More Holiday Gift Ideas Under $25

By Mikey Rox

I recently presented a list of holiday gifts for under $25. If you're still at odds with your decisiveness on what to get some people on your holiday gift list, then consider this collection of even more ideal ideas for a wide range of ages, ...

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December 14, 2016

Black Coffee: Who Wants a Big Slice of Pie-in-the-Sky?

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 ...

Continue reading Black Coffee: Who Wants a Big Slice of Pie-in-the-Sky?

December 10, 2016

6 Tips for Stretching Your Casino Gaming Budget

By Tex Freitag

"The house always wins" is a famous saying in gambling; anyone who's ever been around the casino world knows this to be true. And although the casino does indeed always win in the end -- after all, they'd just go out of business otherwise -- ...

Continue reading 6 Tips for Stretching Your Casino Gaming Budget

December 9, 2016

A List of the Best Selling Christmas Toys Since 1983

By Len Penzo

If you're old enough, you probably remember the Cabbage Patch Doll. The strange-looking dolls were an instant hit, and by 1985 they had scored more than $600 million in sales. Of course, most of those sales occurred during Christmas. In fact, ...

Continue reading A List of the Best Selling Christmas Toys Since 1983

December 7, 2016

The $100,000 Salary Benchmark Is Woefully Overrated

By Len Penzo

In 2004 my gross annual income crossed the magical $100,000 benchmark for the first time. Reaching that milestone became a personal goal after graduating with an electrical engineering degree in 1988 and taking my first job at a salary of $31,000. ...

Continue reading The $100,000 Salary Benchmark Is Woefully Overrated

December 5, 2016

A Roadmap for How the Next Economic Implosion Will Unfold

By Len Penzo

I have a theory regarding the order that the financial system dominoes will fall. Yes, it's only a theory -- but I think it is a plausible one. In fact, I believe the coming economic implosion will unfold in the following manner: Photo Credit: ...

Continue reading A Roadmap for How the Next Economic Implosion Will Unfold

December 4, 2016

Black Coffee: In Venezuela, Rock Beats Paper

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. And away we go ... Credits and ...

Continue reading Black Coffee: In Venezuela, Rock Beats Paper

December 3, 2016

100 Words On: Why a Penny Saved Is More Than a Penny Earned

By Len Penzo

I think it was the Quaker Oats guy who famously declared that a penny saved is a penny earned. However, because of taxes, a penny saved is actually worth more than a penny earned. To illustrate, if you happen to be in the 10% tax bracket, every taxed ...

Continue reading 100 Words On: Why a Penny Saved Is More Than a Penny Earned

December 1, 2016

How to Know When It’s Time to Cut and Run On an Investment

By Sabado Domingo

Nobody ever likes to admit when they are wrong, but sometimes it really is best to just cut your losses and run. This can apply to many different things in life, from relationships to money, but since this blog primarily focuses on good personal ...

Continue reading How to Know When It’s Time to Cut and Run On an Investment

November 30, 2016

Black Coffee: Mayor McCheese and the Rise of the McMillionaires

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 ... Credits and ...

Continue reading Black Coffee: Mayor McCheese and the Rise of the McMillionaires

November 26, 2016

How to Get a Car Loan If You Have Terrible or No Credit

By Walter Moore

Getting a car loan is very easy if you have a good credit score that meets the lending criteria of the financier, but when you have a poor credit report or no credit at all, the exercise can become really difficult. If that's your hard reality, then ...

Continue reading How to Get a Car Loan If You Have Terrible or No Credit

November 23, 2016

Black Coffee: The Happy Thanksgiving 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 get right to it this week ...

Continue reading Black Coffee: The Happy Thanksgiving Edition

November 19, 2016

12 Deadly Foods to Keep Away from Your Pets During the Holidays

By Judy Koutsky

The holidays are a time for delicious food and a lot of sharing. But while it may seem harmless to give your pet a little bit of Grandma's chocolate cake, it can actually make him really sick. In fact, there are a number of holiday treats for humans ...

Continue reading 12 Deadly Foods to Keep Away from Your Pets During the Holidays

November 16, 2016

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