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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Grandfather Says: The Continuing Chronicles of Elaine, Part 46

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: After we were settled in the new house and there was more time, I thought about piano teaching again.  I had found out that ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 46

August 1, 2024

Meet Pete Briger: A Titan in the Investment and Finance World

By Enero Febrero

A titan in the world of finance, Pete Briger is part of the elite Forbes 400 top business professionals worldwide. Briger currently serves as the President and the Co-Chairman of the Board of Directors at the Fortress Investment Group. Formerly a ...

Continue reading Meet Pete Briger: A Titan in the Investment and Finance World

July 31, 2024

Overwhelmed? Here’s How to Downsize Your Life in 9 Easy Steps

By Mikey Rox

When you're feeling stressed out, overwhelmed, and can't seem to strike the right balance, it might be time to downsize your life. But that doesn't just mean getting rid of tangible things. Sometimes you need to eliminate other variables that are ...

Continue reading Overwhelmed? Here’s How to Downsize Your Life in 9 Easy Steps

July 30, 2024

My Dumbest Money Mistakes

By Len Penzo

Money mistakes; we've all made them. Today I'm not going to talk about everyday money leaks or niggling oversights we all make from time to time, like leaving the lights on or buying a burger at a fast food joint and then forgetting to use the ...

Continue reading My Dumbest Money Mistakes

July 29, 2024

Black Coffee: Going for Gold

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. ...

Continue reading Black Coffee: Going for Gold

July 27, 2024

Should I Get a Fixed-Rate Mortgage or an ARM?

By Len Penzo

One of the biggest decisions a homebuyer makes when purchasing a home is whether to get an adjustable rate mortgage (ARM) or a fixed-rate mortgage. Of course, the big difference between the two types of home loans is the interest rate; unlike a ...

Continue reading Should I Get a Fixed-Rate Mortgage or an ARM?

July 25, 2024

Voice Filter Software: Accents and the Paradox of Perception

By Sabado Domingo

voice filter software

Accent bias is a form of discrimination where individuals are judged unfairly based on how they speak a language. This bias is widespread and often subconscious, affecting how people perceive and interact with each other. Interestingly, the ...

Continue reading Voice Filter Software: Accents and the Paradox of Perception

July 24, 2024

Creative Financing Options for Start-ups and Other Investments

By Chloe Hilton

With a tightening of lending regulations and eligibility criteria it can be a challenge to get a mortgage in your own country, so when it comes to creative financing options to start a new business or fund the purchase of international real estate, ...

Continue reading Creative Financing Options for Start-ups and Other Investments

July 24, 2024

Money Saving Home Improvement Projects

By Corazon Gritar

Summer is here, but that doesn't mean you don't have any more time to improve your home. In fact, this time of year is one of the best to make some serious home improvements. But if you don't want to break the bank, here are a few money saving home ...

Continue reading Money Saving Home Improvement Projects

July 23, 2024

Discounted Cash Flow: What It Is, and How It Works

By Sabado Domingo

discounted cash flow

One of the most common methods for assessing the value of a business or investment opportunity is the discounted cash flow (DCF) method. This approach involves calculating the present value of the future expected cash flows, taking into account the ...

Continue reading Discounted Cash Flow: What It Is, and How It Works

July 22, 2024

Grocery Auctions: A Fun Way to Lower Your Food Bill!

By Len Penzo

In these times of economic uncertainty, many people are looking to cut costs wherever possible. So as pressure on pocket books continues to mount, highly resourceful household CEOs have begun visiting local auction houses for great deals on ... ...

Continue reading Grocery Auctions: A Fun Way to Lower Your Food Bill!

July 22, 2024

Black Coffee: Debt and Taxes

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 ...

Continue reading Black Coffee: Debt and Taxes

July 20, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 45

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: Eastern Star I joined Eastern Star after coming to Union because the funny bunch “girls” were all members. My mom was a ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 45

July 18, 2024

How to Make Your Small Business a Raging Success

By Barney Whistance

More than once, while enviously eyeing a self-employed friend or neighbor, you've probably said to yourself, "What skills have they got that I don't have?" Like me, when visiting your local annual craft fair you may have also caught yourself ...

Continue reading How to Make Your Small Business a Raging Success

July 17, 2024

Behind on Your Bills? Here Is How to Handle It

By Corazon Gritar

There's no denying that the coronavirus pandemic had significant effects on the US economy. Understandably, many Americans were forced to make drastic budgetary changes during that time; more than a few found themselves behind on the bills. And now ...

Continue reading Behind on Your Bills? Here Is How to Handle It

July 16, 2024

Is Silver Undervalued? The Evidence Is Overwhelming

By Len Penzo

It's no secret that the gold and silver markets are manipulated - the so-called "bullion banks" have admitted as much. As such, many people are claiming that the bankers' hijinks is proof positive that precious metals have been artificially ...

Continue reading Is Silver Undervalued? The Evidence Is Overwhelming

July 15, 2024

Black Coffee: Something Borrowed, Something Blue

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 an enjoyable week. ...

Continue reading Black Coffee: Something Borrowed, Something Blue

July 13, 2024

Dear Diary: What I Did On My Summer Vacation

By Len Penzo

My family and I just got back from a whirlwind two-week vacation to the East Coast to see the Honeybee's family in Connecticut and do some sightseeing. We also managed to set aside a little time to visit some of my tax money in our nation's capital. ...

Continue reading Dear Diary: What I Did On My Summer Vacation

July 11, 2024

Why the Customer Is Always Right – Most of the Time

By Len Penzo

Almost everyone has asked a restaurant, bank, or other business to redress a particular grievance. It's debatable whether the titular idiom of this post should be credited to Marshall Field or Harry Gordon Selfridge, but it is true nevertheless; the ...

Continue reading Why the Customer Is Always Right – Most of the Time

July 11, 2024

Why Is Digital Finance Important for E-commerce Businesses?

By Tex Freitag

We live in a digital world where it is hard to imagine running an e-commerce business without having the proper financial tools. After all, most of the action, if not all of it happens online, so a good digital finance infrastructure can make or ...

Continue reading Why Is Digital Finance Important for E-commerce Businesses?

July 10, 2024

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