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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

8 Misleading Claims People Often Make To Close a Deal

By Len Penzo

The other day I came across an old article that suggested a healthy dose of skepticism was essential when you're watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study ...

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January 6, 2025

Black Coffee: Lying Through Their Teeth

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. I've got another busy weekend ahead of ...

Continue reading Black Coffee: Lying Through Their Teeth

January 4, 2025

How to Break a Shopping Addiction

By Tex Freitag

how to break a shopping addiction

Do you find it hard to say no when you're out shopping? Does the urge to buy something, even when you don’t really need it, feel almost uncontrollable? If so, you might be dealing with a shopping addiction. It’s a real issue that many people face, ...

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January 3, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 57

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: A Winter Story:  The Midwife  It was a beautiful, still, early December 1998 morning with 13 inches of new snow; the plows ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 57

January 2, 2025

How to Use Competitive Intelligence to Your Advantage

By Sabado Domingo

When it comes to business, success depends on staying ahead of the competition. The know-how that helps achieve this is competitive intelligence. Whether it is planning a strategy, improving product features or providing better customer service, a ...

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January 1, 2025

4 Money-Saving Tips for New Homeowners

By Corazon Gritar

Buying a home is a huge achievement, but it can leave many first-time homeowners financially scrambling. For new homeowners, this can unfortunately lead to more financial strife than they're prepared for. Fortunately, there are plenty of ways for ...

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December 31, 2024

The Only New Year Resolution That Really Matters

By Len Penzo

Although 2025 is just getting started, I've already read a plethora of personal finance articles from various experts and self-made suburban millionaires who have been espousing their top new year resolutions. Of course, all of the usual suspects ...

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December 30, 2024

Black Coffee: The Final Countdown

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. I hope everybody had a wonderful week. ...

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December 28, 2024

How to Refinance a Mortgage In 7 Easy Steps

By Len Penzo

There is very little difference between getting a mortgage and refinancing it; in fact, the processes are virtually identical. If you've decided that refinancing is right for you, here is a brief overview explaining exactly how to refinance a ...

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December 26, 2024

Are You a Responsible Gambler?

By Sabado Domingo

Are you a responsible gambler? That sounds like an oxymoron, doesn't it? The knee-jerk assumption is to peg all gamblers as irresponsible and careless with their money, but that's not necessarily the case. Think about your hobbies. If you like ...

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December 24, 2024

8 Practical Mindful Money Management Strategies

By Sabado Domingo

money management strategies

Managing money can sometimes feel like a constant battle - especially when it feels like there’s always more month left than money. Many of us are caught in cycles of spending without thinking, overspending on unnecessary things, or making impulse ...

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December 23, 2024

Behold the Power of Compound Interest!

By Len Penzo

George Lucas continues to mislead millions of people into believing that the most powerful force in the universe is, well ... the Force. But every successful household CEO knows for a fact that Lucas is dead wrong. That is not surprising at all given ...

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December 23, 2024

Black Coffee: Pillow Talk

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. Well ... another busy week is behind ...

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December 21, 2024

Worried About the Family Vision Care Budget? Tips for Parents

By Sabado Domingo

Maintaining healthy eyes is a crucial aspect of overall healthcare, yet family vision care is often overlooked by many Americans. According to industry reports analyzing data from the CDC, 38% of people in the US don't have an eye doctor, and 63% ...

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December 19, 2024

Myths and Facts About Being Declared Insolvent

By Tex Freitag

facts about being declared insolvent

For many individuals, there is an inordinate fear of the possibility of being insolvent. It often results in anxiety, which can make an individual believe in false information that will make them more anxious. So let's explore some myths and facts ...

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December 19, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 56

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: On to France   We went by train from London to Dover and saw the famous white cliffs, and rode a hovercraft which skimmed ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 56

December 19, 2024

Business Owner: Here Are 5 Mistakes That Can Bankrupt You

By Ramona

So you have -- or want to have -- your own small business. Being your own boss and having to deal with a diverse customer base is both challenging and fun. I started my web design business many years ago, while also keeping a job at the local ...

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December 18, 2024

6 Ways to Stop Stressing Out About Money

By Anum Yoon

Right now, at this moment, how much money do you have? Before you answer: does the mere question begin to stress you out? If so, you probably wish you could stop stressing out about money. Rest assured, you're not alone. According to the number ...

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December 17, 2024

Navigating Financial Crunches: Turning Possessions Into Immediate Relief

By Sabado Domingo

Life is unpredictable, and financial emergencies can strike when we least expect them. Whether it’s an unexpected car repair, a sudden medical bill, or a pressing home repair, finding quick solutions to cover urgent expenses is essential. While ...

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December 16, 2024

18 Things You Should Never Pay For (Or So They Say)

By Len Penzo

Who doesn't love a free lunch? I know I've never turned one down. If you believe everything you read on the Internet, then there are lots of products and services you should never pay for. The problem is "never" is such a strong word, isn't it? So ...

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December 16, 2024

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