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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: French Toast, Waffles & Nest Eggs

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: French Toast, Waffles & Nest Eggs

May 18, 2024

Tailoring Your Brand: Customized Print-on-Demand Shirt Printing for Restaurants

By Tex Freitag

A high-quality aesthetic can genuinely set your restaurant apart when it comes to enhancing its image. Eating establishments are now turning to customized merchandise, specifically print-on-demand t-shirt printing, to make an impression on their ...

Continue reading Tailoring Your Brand: Customized Print-on-Demand Shirt Printing for Restaurants

May 17, 2024

How Do Mortgage Fees Work?

By Len Penzo

The mechanics behind how mortgage fees work are really quite simple. Mortgage fees are service charges that the lender imposes on a borrower to process the loan. When you apply for a loan, the lender is required to give you a document known as a Good ...

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May 16, 2024

The Basics of Business Credit: What You Need to Know

By Sabado Domingo

Business credit is key to a company's financial health and growth potential. It impacts the ability to secure financing, obtain favorable terms from suppliers, and manage cash flow effectively. It's essentially a track record that demonstrates a ...

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May 15, 2024

Today’s Most Profitable Property Investing Apps

By Erin Sanderson

We live in a data-driven society, one in which the fate of entire companies hangs on not just who can access the most information, but who can make the best use of it? When it comes to real estate investing, there are a number of software ...

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May 15, 2024

How to Spot House Problems Before You Buy

By Corazon Gritar

Searching for a new home, whether you're a first-time homebuyer or moving for the third time, can be exciting. That being said, it can also be a bit more than you bargained for if you don't know how to look for a few real estate red flags. If you ...

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May 14, 2024

5 Ideas That Will Teach Kids to Save Money

By Len Penzo

As a parent of two children, I realized early on that trying to teach them the importance of saving money is a tall order. After all, we should all strive to teach kids to save money. But let's face it, how many 9-year-olds care about stuff like the ...

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May 13, 2024

Black Coffee: A Light in the Tunnel

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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May 11, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 40

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: Cicadas The summer air in “the year of the cicadas” – 1980, I think -- buzzed and roared with insect sounds. Their noise ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 40

May 9, 2024

What Are the Easiest Loans to Get?

By Sabado Domingo

In the labyrinth of financial solutions, certain pathways are illuminated more brightly than others, offering a seemingly straightforward route to cash liquidity. These are the financial equivalents of secret passages in ancient pyramids, promising ...

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May 8, 2024

3 Reasons Why Savvy Investors Love Forex Trading

By Enero Febrero

There's a lot of research out there that suggests most people simply aren't comfortable with traditional investing. And while there are many top finance blogs devoted to successful conservative investments, the stock market still seems to be ...

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May 8, 2024

Worried About Hospital Bills? Consider Medical Tourism!

By Anum Yoon

You need to undergo a medical procedure, pronto. So you look around for the best, and most affordable, hospitals in your area. You even check out the ones across the country. Unfortunately, none of them fit your requirements -- especially your ...

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May 7, 2024

Cost-Efficient Shopping Tips for Dining Room Furniture

By Ellie Morris

Decorating and furnishing your dining room is essential to completing your home. A well-designed and optimally furnished dining room ensures a warm and homely ambiance where friends and loved ones can dine and spend quality time with each other. ...

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May 6, 2024

Factors That Contribute to a Higher Settlement in Personal Injury Cases

By Sabado Domingo

Personal injury cases are often complicated. They require a comprehensive analysis and tireless representation to grant the victims of negligence the full justice they deserve. After the accident, victims are entitled to compensation to overcome ...

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May 6, 2024

A Comparison of Creditism vs. Capitalism

By Len Penzo

Have you ever heard somebody use the term "creditism"? Well ... the following is from an article I came across by Brian Maher of the Daily Reckoning that explains creditism and really puts our current monetary system in perspective: Author Richard ...

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May 6, 2024

Black Coffee: The Curse of the Overeducated

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: The Curse of the Overeducated

May 4, 2024

What Is a Mortgage?

By Len Penzo

In the simplest terms, a mortgage is a home loan that uses the property being purchased as collateral. If the homebuyer ever fails to make payments, the lender can foreclose on the secured real estate in order to recover the mortgage debt. All ...

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May 2, 2024

4 Money Saving Tactics for Buying Your Next Car

By Delan Cooper

If you're ready to buy a new car instead of a used one, you may want to be privy to several different ways to save money on that big purchase. For example, you'll want to research the type of car that you'd like to purchase, look online for deals or ...

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May 1, 2024

How to Lower Your Cable Bill: 9 Great Ideas

By Mikey Rox

Having trouble "cutting the cord"? If so, you can ease the cost of cable TV while still enjoying your favorite shows. With that in mind, here's how to lower your cable bill: Optimize Your Internet Speed If you enjoy cable the old-school way -- by ...

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April 30, 2024

8 Big Reasons Why You’re Getting an F in Personal Finance 101

By Len Penzo

I remember the time when I saw my son's mid-term progress report and noticed that he was getting an 'F' in one of his classes -- Physical Education, to be exact. "How in the world does anybody fail phys ed?" I asked the Honeybee, shaking Matthew's ...

Continue reading 8 Big Reasons Why You’re Getting an F in Personal Finance 101

April 29, 2024

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