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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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An Overview of Ameritech Financial

By Enero Febrero

This is a sponsored post from Ameritech Financial. Ameritech Financial is a company that helps people with one of the biggest problems that currently exists: student loan debt. Student loan debt in the United States equals more than has grown to ...

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November 11, 2016

5 Signs You’re Ready to Quit Signing Leases

By Katie Bassett

Calling all renters! Let's take a look at all of your previous living situations. By now, I'm sure you have dealt with your fair share of landlords, both extremely accommodating as well as a few uncooperative. You've forked over several down ...

Continue reading 5 Signs You’re Ready to Quit Signing Leases

November 9, 2016

Why Getting Cash During the Next Crisis May Be Impossible

By Len Penzo

As time goes on, it will become increasingly more difficult to get your cash out of the financial system. There are several reasons for this: Photo Credit: stock photo ...

Continue reading Why Getting Cash During the Next Crisis May Be Impossible

November 5, 2016

Black Coffee: The Repo Man 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. And away we go ... Credits and ...

Continue reading Black Coffee: The Repo Man Edition

November 5, 2016

12 ‘Sharing Economy’ Companies That Can Help You Earn Extra Income

By Barney Whistance

If you're like some Americans, you may be struggling to make ends meet, living paycheck to paycheck without much savings to speak of. When you're in that kind of situation, every little extra bit of income helps. Thankfully, there are ways to ...

Continue reading 12 ‘Sharing Economy’ Companies That Can Help You Earn Extra Income

November 3, 2016

Here’s Proof of Skyrocketing Inflation in Our Most Basic Necessities

By Jeff Desjardins

The way that economic data is presented, we often think of inflation as a singular number representing a general increase in prices. For example, it might be reported that nominal GDP growth was 3%, and that inflation was 2%. Since the inflation ...

Continue reading Here’s Proof of Skyrocketing Inflation in Our Most Basic Necessities

November 2, 2016

Black Coffee: Smart Money, Dumb Economists, and the Gold Standard

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: Smart Money, Dumb Economists, and the Gold Standard

October 29, 2016

How Economic Events Influence the Forex Market

By Tex Freitag

Just like commodities, currency exchange prices are also influenced by the forces of demand and supply. These forces are triggered by several aspects, which cause increase or decrease of demand or supply suddenly, thereby causing the fluctuation of ...

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October 28, 2016

Is It Better to Be Prequalified or Preapproved for a Mortgage?

By Len Penzo

Readers: This is article 23 of 25 from my no-nonsense "Mortgage Basics" quick-reference series. The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of ...

Continue reading Is It Better to Be Prequalified or Preapproved for a Mortgage?

October 27, 2016

4 Things Everyone Needs to Know Before Pitching a Client

By Enero Febrero

It doesn't matter what line of work you're in; if it comes down to working with clients, making sales, or even getting everyone on board, then you need to know how to manage your clients. That's exactly why you should take the time to study and ...

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October 26, 2016

12 Painless Ways to Save $2000 Before the Holidays (Part 2)

By Mikey Rox

While I always recommend having a second source of income to cover increased holiday spending, you can also cut back your budget. In Part 1 of this article, I showed you six painless ways to do this. Here are six more: Shop For Lower Insurance ...

Continue reading 12 Painless Ways to Save $2000 Before the Holidays (Part 2)

October 25, 2016

Black Coffee: The Lunatics Are Running the Asylum

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: The Lunatics Are Running the Asylum

October 22, 2016

How to Take Control and Manage Your Money When You’re Deep in Debt

By Tex Freitag

If you're lost in financial debt, getting back in control can seem like an uphill struggle. With the high cost of living and stagnant wages, it's not always easy to pay what you owe -- especially if you've been borrowing from multiple creditors ...

Continue reading How to Take Control and Manage Your Money When You’re Deep in Debt

October 19, 2016

6 (Really) Frugal Halloween Costume Ideas for the Kids

By Len Penzo

So the Honeybee took our two kids out shopping for Halloween costumes this week and spent a grand total of $69.43. This is not only a ghastly amount of money to spend on Halloween costumes, but it's totally unacceptable in my opinion. What, ...

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October 17, 2016

Black Coffee: Are We In Utopia Yet?

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: Are We In Utopia Yet?

October 15, 2016

The Tried-and-True Guide to Wealth Creation

By Sabado Domingo

You work hard day after day and feel that instead of working for your money, you could make money work for you. It is likely that you know people who seem to have a lot of free time, are less stressed are able to afford to go rock climbing or fly ...

Continue reading The Tried-and-True Guide to Wealth Creation

October 14, 2016

Black Coffee: Reports of a Hurricane are Unfounded

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 ...

Continue reading Black Coffee: Reports of a Hurricane are Unfounded

October 8, 2016

What Are the Brexit Implications on Gold?

By Benjamin Watt

The UK's decision to exit the European Union -- known everywhere as the Brexit -- was news that shocked the world. Financial markets are still reeling from the financial uncertainty unleashed by that landmark decision. Global markets reacted ...

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October 6, 2016

The Top 5 Reasons Why You Should Be Trading Commodities

By Tex Freitag

Trading commodities is another way to try and increase your monthly investment returns. Most forex and online trading brokers offer commodity contracts alongside currency pairs, stocks, indices, and other assets. So what is commodity trading? ...

Continue reading The Top 5 Reasons Why You Should Be Trading Commodities

October 5, 2016

Black Coffee: Move Along, Folks … There’s Nothing to See Here

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: Move Along, Folks … There’s Nothing to See Here

October 1, 2016

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