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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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8 Smart Tips for Managing Your Personal Finances

By Sabado Domingo

If you manage your personal finances, it can often seem daunting. But following some smart strategies can help you take control of your money and set yourself up for financial success. Here are eight tips for effectively managing your personal ...

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November 20, 2023

802 Reasons Why Cash Is More Thoughtful Than Gift Cards

By Len Penzo

Did you know that in China it's taboo to give a clock as a gift? Yep. You should also never give your Chinese friends umbrellas or knives. At least you shouldn't if you want to stay in their good graces. The Chinese aren't the only ones who ...

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November 20, 2023

Black Coffee: Food for Thought

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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November 18, 2023

How Debt Trouble Is Usually Related to Your Diet

By Len Penzo

Many folks in debt trouble who tally their assets and liabilities after years of modest but steady increases in income often end up scratching their heads, wondering why their net worth is nothing to write home about. Whether those in debt trouble ...

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November 16, 2023

News Analysis: The Changing Landscape for Big Corporations

By Enero Febrero

Over the past decade we have started to see a major shift in the landscape for some of the largest corporations in the United States. Ever since the financial crisis of 2008, the country has been torn between wanting the economy to recover, and ...

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November 15, 2023

How Your Home Humidifier Can Save Money This Winter

By Corazon Gritar

Did you know that a home humidifier can save you money? Better yet, it can result in significantly lower costs for multiple living expenses. So how does a humidifier save money for its owner? Well ... let's read on to find out! During wintertime, ...

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November 14, 2023

How To Transform a Room Into a Gaming Paradise

By Sabado Domingo

Gaming is one of the world's most beloved pastimes, with millions of dedicated practitioners all over the world. It's a hobby that allows people to live their dreams and do whatever they want, so it's no surprise that every year, millions more get ...

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November 13, 2023

Try Your Luck with This Money Quotation Quiz

By Len Penzo

Are you ready for a money quotation quiz? Match the following 15 people with their money-related quotations. Just remember that there is only one quote for each person listed. Oh ... and be very careful ; you just may be surprised at some of the ...

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November 13, 2023

Black Coffee: Haves & Have-Nots

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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November 11, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 27

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: All the experiences of our eventful years in Warrenton would fill another book about the growing up of the children and all ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 27

November 9, 2023

5 Key Points to Consider Before Signing a Contract

By David Bakke

It's not uncommon to see offers like these on a daily basis: "Get a new iPhone for only $99; requires two-year contract," or "Get DIRECTV for only $59.99 a month for six months; requires a one-year commitment." These teasers may sound great, but ...

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November 8, 2023

5 Ways Smoking Negatively Affects Your Finances

By Anum Yoon

It's not likely you'll be able to find anyone in the United States who has escaped the message that smoking is hazardous to your health. After all, there's a Surgeon General's warning on every pack. And children learn about the negative effects of ...

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November 7, 2023

The High Cost of Being Poor (and How to Vanquish It)

By Gayle Tate

We have all seen difficult times, so that's nothing new. And there's a high cost of being poor. Let me explain: My wife and I started our business at exactly the wrong time. Although we established it in 1967, we opened our first brick and mortar ...

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November 6, 2023

Black Coffee: … Fall Back

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 ...

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November 4, 2023

Why Thanksgiving Never Falls On November 29 or 30

By Len Penzo

In 1863, President Lincoln declared the last Thursday in November to be a day for "thanksgiving and praise." It's a tradition that managed to stay that way until 1939 when worried retailers begged President Franklin Roosevelt to make Thanksgiving a ...

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November 1, 2023

5 Ways to Fund a Small Business Without Bank Loans

By Sabado Domingo

Most people dream of opening the doors to their own bookstores, record shops, accounting offices, and more, but very few ever achieve such a feat for a very good reason: lack of funding. Small businesses require quite a bit of capital to get off the ...

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November 1, 2023

8 Ways to Make a Great Budget Thanksgiving Dinner

By Anum Yoon

Thanksgiving is filled with family, friends, good food and football. But it can also be filled with expenses -- especially if you're having Thanksgiving dinner at your house. The good news is there are plenty of ways to cook and enjoy a delicious ...

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October 31, 2023

Using Food as an Alternative Investment Vehicle

By Len Penzo

Depending on which source you reference, as many as seven million Americans supposedly starved during the Great Depression. That number may be on the high side, but hard times are coming if the current global economic troubles cannot be contained and ...

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October 30, 2023

How Much Gold and Silver Should People Own?

By Len Penzo

Ever since I started writing about the importance of owning physical gold and silver as insurance against the inevitable failure of the US dollar, I've been receiving an increasing volume of questions in my inbox from folks curious to know more about ...

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October 30, 2023

Black Coffee: For the Fed, It’s the Frying Pan or the Fire

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: For the Fed, It’s the Frying Pan or the Fire

October 28, 2023

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