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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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

Black Coffee: He Who Panics First, Panics Best

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. Off we go ... Credits and ...

Continue reading Black Coffee: He Who Panics First, Panics Best

November 12, 2016

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 ...

Continue reading How Economic Events Influence the Forex Market

October 28, 2016

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