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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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 ...

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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. ...

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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. ...

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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 ...

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July 10, 2024

Protect Your Business: The 4 Most Common Business Lawsuits

By Tex Freitag

As a business owner, your top priority is to run a successful and profitable organization, which delivers for its customers and supports its employees. With marketing, selling and profit forecasts taking up most of your time, dealing with a common ...

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July 10, 2024

9 Tips for Getting the Most From a Tight Grocery Budget

By Mikey Rox

If there's one resolution you should always stay on top of, spending less on groceries and reducing food waste should be it. To help you get started, and to keep you on track throughout the year, consider these tips for maximizing a tight grocery ...

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July 9, 2024

Real-Life Example: Why Every Homeowner Needs an Emergency Fund

By Len Penzo

Everybody needs an emergency fund. However, believe it or not, a USA Today survey found that 70% of Americans have less than $1000 in savings. And while I can at least partially understand why those living on very tight budgets may have trouble ...

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July 8, 2024

Black Coffee: Fix It Again Tony

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: Fix It Again Tony

July 6, 2024

Thinking About a Neon Wedding Sign? You Should!

By Sabado Domingo

neon wedding sign

Weddings are always special, and couples are constantly seeking different ways to personalize their special day. One such trend that has begun recently is the neon wedding sign. These radiant, personalized signs add a touch of modern elegance and ...

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July 4, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 44

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: Angus Cattle Dave’s biggest project in Monroe County was studying and carrying out a plan of breeding purebred Angus ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 44

July 4, 2024

The Ultimate Guide to Tax Resolution: What You Need to Know

By Tex Freitag

Tax issues can be overwhelming and stressful, but understanding tax resolution can help you confidently navigate these challenges. Whether you're facing back taxes, audits, or other tax-related problems, solutions are available to help you get back ...

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July 3, 2024

Consumer Rights: What to Do When You Get a Defective Product

By Sabado Domingo

It happens to everyone: You open a box, only to find out that your shiny new object is defective. Or, you use it the first time and get hurt through no fault of your own. Thankfully, there are consumer rights for defective products. Here's what you ...

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July 3, 2024

A Look at the Benefits of Italian Dual Citizenship

By Antonio Fortunato

Many of us remember as children being immersed in Italian culture within our families and communities. We had parents, grandparents, or great grandparents from Italy. Some of us inherited their houses and lands and the right to Italian citizenship by ...

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July 2, 2024

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