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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

How to Save for a New Home With Spotty Income

By Len Penzo

Some of the most important things in life are always taken for granted. After all, most of us drawing a steady salary never consider how fortunate we are to get a regular paycheck. On the other hand, those who work on commission or depend on tips for ...

Continue reading How to Save for a New Home With Spotty Income

August 19, 2024

Black Coffee: Up, Up and Away!

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: Up, Up and Away!

August 17, 2024

Tips for Choosing the Right Construction Accident Lawyer

By Tex Freitag

According to the Bureau of Labor Statistics, the construction industry has the most fatal injuries, with one in five fatal injuries reported at construction sites. Out of the 345 deaths caused by falls in 2023, 96 of them were in the construction ...

Continue reading Tips for Choosing the Right Construction Accident Lawyer

August 15, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 47

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: In the early ’80’s, Dave drove his old white Scout truck to Saginaw, Michigan, when Grandpa Miller’s beautiful old house was ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 47

August 15, 2024

How to Ride the Star Wars Wave with Lock-In Stocks and Binary Options

By Sabado Domingo

What do lock-in stocks (like Disney) and binary-options trading have in common? Well, first of all, let's define our terms. Lock-in stocks, for our purposes, are stocks for companies that can be thought of as too big to fail. Now, of course all ...

Continue reading How to Ride the Star Wars Wave with Lock-In Stocks and Binary Options

August 14, 2024

Business Partnerships: 5 Signs Yours Might Fail

By Corazon Gritar

America is a nation of entrepreneurs. Americans are encouraged to start their own businesses and strike out independently. And of course, there are some benefits to doing so. With that being said, it can be difficult to get a new business off the ...

Continue reading Business Partnerships: 5 Signs Yours Might Fail

August 13, 2024

Why Cutting Expenses to the Bone Isn’t Always Enough

By Len Penzo

The other day I was fueling up my car at the local gas station. While I was waiting for the tank to fill, I thought it would be a good idea to get rid of the remains of a ridiculously large bug that was splattered on the windshield. Unfortunately, ...

Continue reading Why Cutting Expenses to the Bone Isn’t Always Enough

August 12, 2024

Black Coffee: Exceptions to the Rule

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: Exceptions to the Rule

August 10, 2024

What Is an FHA Loan?

By Len Penzo

An FHA loan is a government-backed mortgage that is insured by the Federal Housing Administration. Although anyone can apply for an FHA loan, they were designed to help people with lower incomes qualify for a mortgage. Because FHA loans protect ...

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August 8, 2024

12 Affordable Ways to Upgrade a Kitchen That’s Outdated

By Kaitlyn Krull

iIf your house is anything like ours, the kitchen is the most popular room in your home. However, the room is looking a bit dated and inflation has left a major dent in your wallet. But now is not the time for despair, because there are many easy and ...

Continue reading 12 Affordable Ways to Upgrade a Kitchen That’s Outdated

August 7, 2024

Top Tips for Discussing Finances With Your Significant Other

By Corazon Gritar

Did you know that in the US and other Western countries, over 90% of people get married before the age of 50? Regardless of age, marriage often entails merging lives, and with it, merging finances. Despite the commonality of marriage, the intricacies ...

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August 6, 2024

4 Traditional Banking Alternatives Many People Overlook

By Anum Yoon

You might be one of many people who is getting tired of increasing and tricky bank fees. Perhaps you're at the point where you're even looking at switching to a "new" way of banking that's different from the typical big-name bank you've used for ...

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August 6, 2024

My 16th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

By Len Penzo

If you're like most people, it's been hard not to notice the increase in your monthly grocery bill over the past three years. After a huge run-up in prices for everything from gasoline to food - and despite the latest consumer price index showing ...

Continue reading My 16th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

August 5, 2024

Black Coffee: It’s a Tax!

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: It’s a Tax!

August 3, 2024

Understanding the Lengthy Car Accident Settlement Process

By Enero Febrero

There were 40,990 fatal car accidents in 2023, which is a decrease of 3.6% from the previous year. Injured victims may file a car accident claim to provide financial support for medical expenses, property damage, and other losses after an accident. ...

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August 2, 2024

Harness the Power of Expert Advisors for Smarter Trading: A Financial Guide

By Tex Freitag

For centuries, traders have studied the technical patterns of the markets, from candlestick formations to oscillating indicators, seeking an edge to profitably navigate fluctuating prices. Yet deciphering the deluge of daily data for clues has proven ...

Continue reading Harness the Power of Expert Advisors for Smarter Trading: A Financial Guide

August 2, 2024

Smart Budgeting Tips for First-Time Homebuyers in Florida

By Sabado Domingo

home ROI

Purchasing a home is one of the most significant financial decisions you'll make in your life. To ensure that you make an informed and sustainable choice, it's essential to understand and manage your finances effectively. This guide provides you with ...

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August 2, 2024

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 ...

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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

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