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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Confronting My Biggest Spelling Demons (and Yours Too)

By Len Penzo

One of the joys of having an eponymous personal finance blog is that I never feel compelled to ensure every article has to be about, well ... personal finance. But, Len, it says right there in the header that this is 'The off-beat personal finance ...

Continue reading Confronting My Biggest Spelling Demons (and Yours Too)

March 1, 2017

Black Coffee: Giving New Meaning to the Term “Bull” Market

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: Giving New Meaning to the Term “Bull” Market

February 25, 2017

5 Ways to Survive a Money Emergency

By Tex Freitag

Nearly everyone will experience a serious money emergency at some point during their lifetime. Something financially catastrophic happens, like your car breaks down or you have to pay a huge medical bill. Afterward, you may be left with little or ...

Continue reading 5 Ways to Survive a Money Emergency

February 24, 2017

An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!

By Paula Pant

I have a confession. Normally I spend a lot of time emphasizing the importance of cultivating habits that reduce your desire to spend. But I have one habit that makes me want to spend more money. It's a practice -- something I do almost daily -- ...

Continue reading An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!

February 22, 2017

Saving Money Is Easy When You Know This Simple Trick

By George Diaz

If you search Google for "how to save money," you'll get 396 million results. See for yourself; I'll wait. With that many results, how is it possible that people still have trouble saving? I'm sure that one of your New Year's resolutions was to ...

Continue reading Saving Money Is Easy When You Know This Simple Trick

February 21, 2017

Black Coffee: The Presidents’ Day Weekend 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 dive right in this week ... In ...

Continue reading Black Coffee: The Presidents’ Day Weekend Edition

February 18, 2017

5 Tips the Pros Use to Identify Favorable Investment Opportunities

By Tex Freitag

Anyone interested in their own personal finances should not look at investing as gambling; instead, investments require careful and strategic thought. Yes, there's an element of risk-taking involved, but identifying favorable opportunities requires ...

Continue reading 5 Tips the Pros Use to Identify Favorable Investment Opportunities

February 17, 2017

100 Words On: The Trouble With Whole Life Insurance (vs. Term)

By Len Penzo

The key difference between term and whole life insurance is simple. Term life pays the face amount of the policy in the event of your death, while whole life combines a term policy with an added investment component. Yes, whole life may sound like a ...

Continue reading 100 Words On: The Trouble With Whole Life Insurance (vs. Term)

February 16, 2017

A Few Thoughts from Aunt Doris: The Neighborhood Bully

By Aunt Doris

This is another repost from an occasional series by my dear Aunt Doris, who passed away in 2015 at the age of 94. When I was in my early teens, Mum and I moved from Kensington to Notting Hill in London. (Yes, the same Notting Hill as the Julia ...

Continue reading A Few Thoughts from Aunt Doris: The Neighborhood Bully

February 15, 2017

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. Let's get right to it ... There is no ...

Continue reading Black Coffee: And for My Next Trick …

February 11, 2017

The 10 Most Overlooked Tax Deductions (and How to Claim Them)

By Len Penzo

It may be hard to believe, but Tax Day is just around the corner -- again! -- which is why millions of people just like you are carefully sifting through their paperwork from the last year so they can figure out what they can deduct to lower their ...

Continue reading The 10 Most Overlooked Tax Deductions (and How to Claim Them)

February 8, 2017

Black Coffee: The Super Bowl 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 Super Bowl Edition

February 4, 2017

A Lifestyle Review of Historic Princeton, New Jersey

By Enero Febrero

Princeton University recently earned the top ranking among national universities according to U.S. News & World Report -- but there's much more to Princeton, New Jersey, than its academics. Princeton, the product of a merger between a borough ...

Continue reading A Lifestyle Review of Historic Princeton, New Jersey

January 31, 2017

Black Coffee: Red Tape, Green Confetti and Blue Taxpayers

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: Red Tape, Green Confetti and Blue Taxpayers

January 28, 2017

What is a Logbook Loan?

By Enero Febrero

It is unfortunate that most people are denied payday loans due to the fact that they are unemployed, self-employed or because their monthly spending is higher than their income. In other cases, this can be due to the fact that they do not meet the ...

Continue reading What is a Logbook Loan?

January 27, 2017

Fake News: Can You Spot the Error In This Article?

By Antonio Fortunato

It was recently confirmed as fact, via the hacking of emails from a national Presidential candidate's campaign manager and the hacking of emails from the leadership of a national political party committees emails, that news has been fabricated quite ...

Continue reading Fake News: Can You Spot the Error In This Article?

January 25, 2017

Black Coffee: A Ponzi for Your Thoughts

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 ...

Continue reading Black Coffee: A Ponzi for Your Thoughts

January 21, 2017

Why Investing Your Bonus Is a Smart Move

By Enero Febrero

Economic and political uncertainty dominated the global news headlines last year and uncertainty looks set to continue this year. With that in mind, if you're fortunate enough to receive a bonus, the question becomes: should you save it or spend ...

Continue reading Why Investing Your Bonus Is a Smart Move

January 20, 2017

100 Words On: Why Excessive Debt Leads to Indentured Servitude

By Len Penzo

Taking on excessive debt -- and continuously spending more than you earn -- greatly reduces the wealth you can accumulate down the road. As a result, your options in the future become greatly diminished because you are essentially spending tomorrow's ...

Continue reading 100 Words On: Why Excessive Debt Leads to Indentured Servitude

January 19, 2017

Amazing Small Business Ideas Anyone Can Do

By Patrick Ward

Starting a business is one of the toughest ordeals. There's a number things to think about all of which will determine how well one begins. Picking the right business may also not come in automatically. Times have changed and so have businesses. ...

Continue reading Amazing Small Business Ideas Anyone Can Do

January 18, 2017

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