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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

3 Tips for Getting the Best Price On a Used Car

By Corazon Gritar

When your car starts costing you more money than it's worth, it's probably time to get a new one. You don't necessarily have to get a new car, but it will definitely be new to you. Buying a used car can be a great way to save money and find a ...

Continue reading 3 Tips for Getting the Best Price On a Used Car

2 Comments April 12, 2022

7 Questions That Customers Are Rarely Asked Anymore

By Len Penzo

It's hard for me to believe, but I turned 58 years old this year. I know, I don't look a day over 70. When I was a young boy, I thought people in their fifties were ancient. Perhaps they are; but I don't feel ancient. In fact, with only a few ...

Continue reading 7 Questions That Customers Are Rarely Asked Anymore

23 Comments April 11, 2022

Black Coffee: Off to the Races

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: Off to the Races

14 Comments April 9, 2022

100 Words On: Why Financial Freedom Requires Very Little Money

By Len Penzo

Don't fall into the trap of thinking that one has to be "rich" to attain financial freedom. There are lots of people earning millions per year who aren't financially free, just as it's also true that there are folks earning less than $50,000 annually ...

Continue reading 100 Words On: Why Financial Freedom Requires Very Little Money

30 Comments April 7, 2022

Business 101: What Does ‘LLC’ Mean and Why Is It Important?

By Enero Febrero

The inclusion of the letters "LLC" in the name of a company is a public declaration that the company is a type of corporation operating as a legal entity, separated from its owners. Because of this critically important separation, the company's ...

Continue reading Business 101: What Does ‘LLC’ Mean and Why Is It Important?

3 Comments April 6, 2022

6 Ways Procrastinating Hurts Your Finances

By Mikey Rox

Lots of people live by the procrastinator's creed: Why do today what you can put off until tomorrow? You might even be one of them. But while this practice seems innocuous enough, it's actually costing you an embarrassing amount of money. Here ...

Continue reading 6 Ways Procrastinating Hurts Your Finances

8 Comments April 5, 2022

Aiming for a College Education? Here Are 3 Ways to Save for It

By Sabado Domingo

If you're a parent thinking of your child's future, then one of the things that you're probably considering right now is your kid's college education. Of course, it depends on their choice whether they want to go to college or not, but preparing for ...

Continue reading Aiming for a College Education? Here Are 3 Ways to Save for It

2 Comments April 4, 2022

Why Premium Gasoline Is a Lot Like Male-Enhancement Drugs

By Len Penzo

The things I do for this blog in the name of personal finance. One day last month I got into a lunchtime conversation at work with a contractor who tried to convince me he had good reasons for putting premium gasoline in his Toyota Corolla, the ...

Continue reading Why Premium Gasoline Is a Lot Like Male-Enhancement Drugs

34 Comments April 4, 2022

Black Coffee: War of the Worlds

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: War of the Worlds

20 Comments April 2, 2022

4 Ways to Purchase Your Dream Car While Being Financially Responsible

By Sabado Domingo

A dream car can be a great way to show off your success, and it's a fun perk of being successful. There's no doubt about it; cars are a major expense. In addition to the car's purchase price, there are also costs for registration, insurance, and ...

Continue reading 4 Ways to Purchase Your Dream Car While Being Financially Responsible

1 Comment April 1, 2022

8 Budgeting Tips to Help You Get the Most Out of Your Social Life

By Enero Febrero

When it comes to budgeting, it can often feel like we have to choose between enjoying our social lives and staying on track with our finances. But that doesn't have to be the case! By following just a few simple tips, you can enjoy your weekends and ...

Continue reading 8 Budgeting Tips to Help You Get the Most Out of Your Social Life

1 Comment April 1, 2022

House Hunting Tips: Finding The Perfect Starter Home

By Sabado Domingo

If you've just received approval from a lender for a mortgage loan and you're ready to buy your first home, there are several valid reasons why you should consider a starter home. Instead of battling to afford your dream home right away, choosing ...

Continue reading House Hunting Tips: Finding The Perfect Starter Home

Leave a Comment March 31, 2022

Grandfather Says: The Importance of Self-Confidence and Independence

By RD Blakeslee

Grandfather says self-confidence and independence go hand-in-hand. From his earliest days, Grandfather marched to his own drummer. In first-grade at elementary school -- a barracks-like structure with a classroom at each end and a coal furnace in ...

Continue reading Grandfather Says: The Importance of Self-Confidence and Independence

17 Comments March 31, 2022

The Secret to Long Life

By Aunt Doris

This is another post in an occasional series from my dear Aunt Doris, who passed away in 2015 at the age of 94. Being 91-years-old, people often ask me: "What's your secret for getting there?" My son says it's fish, tea and vinegar. Maybe; ...

Continue reading The Secret to Long Life

20 Comments March 30, 2022

Why Should Beginners Use the Best Forex EA?

By Tex Freitag

Traders associated with forex have to do and think a lot before the actual trading process starts. This volatile and challenging financial market requires traders to have a certain amount of expertise and knowledge to turn the odds in their favor - ...

Continue reading Why Should Beginners Use the Best Forex EA?

1 Comment March 29, 2022

The 16 Best Closing Lines for Business Emails

By Enero Febrero

Sure, first impressions are impactful on people. They can be catchy, charming, and luring. But as time goes on, people tend to move away from them to something more real. And this type of real only comes through recurrent experiences - from recurrent ...

Continue reading The 16 Best Closing Lines for Business Emails

2 Comments March 29, 2022

Budgeting Over 65: How Seniors Can Afford to Age in Place

By Corazon Gritar

Although aging is an undeniable part of life, most of us don't want to think about how our bodies and minds will change in the future. But even if we're in excellent health now, that could all change a few years down the line. Statistics show that ...

Continue reading Budgeting Over 65: How Seniors Can Afford to Age in Place

6 Comments March 29, 2022

5 Areas to Cut Your Spending in 2022

By Enero Febrero

Saving money is a goal shared by many and a good resolution to make - no matter what time of the year it is. However, it isn't uncommon for vows to waste less money go awry after only a month or two of making them. The good news is it's never too ...

Continue reading 5 Areas to Cut Your Spending in 2022

4 Comments March 28, 2022

Take Control of Your Personal Finances with These Budgeting Tips

By Tex Freitag

Many of us don't take our money seriously when we first start earning, which sometimes results in acquiring debt or a sub-par living standard. However, it is never too late to begin managing your money in a way that proves to be beneficial for you in ...

Continue reading Take Control of Your Personal Finances with These Budgeting Tips

2 Comments March 28, 2022

4 Tips to Help You Choose the Right Undergraduate Degree

By Sabado Domingo

With tuition fees constantly on the rise, there's a lot of pressure on students. If you are willing to spend a lot of time, energy, and money on your degree, you need to make sure you're making the best possible choice when selecting your courses. ...

Continue reading 4 Tips to Help You Choose the Right Undergraduate Degree

4 Comments March 28, 2022

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Disclaimer

This site is for informational and entertainment purposes only, and the content herein should not be mistaken for professional financial advice. In fact, making investment decisions based on information published here, or any other website for that matter, is more than unwise; it is folly. This website accepts advertising in the form of monetary and other compensation; as such, topics of discussion are occasionally influenced by these advertisers. Sometimes, an article may also include affiliate links, meaning, at no additional cost to you, this blog earns a commission if you click through and make a purchase (for example, as an Amazon Associate I earn from qualifying purchases). Remember, you and you alone are responsible for the decisions you make in life, so please contact an independent financial professional for advice regarding your unique personal situation.

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