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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Don’t Be Afraid of Treating Your Household Like a Business

By Len Penzo

Anybody can run a household like a business, but to do it effectively you first have to appoint a household CEO in order to get the job done. Of course, the best candidate for running your household is always ... you. For those of you who are ...

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January 22, 2024

Black Coffee: A Shot Across the Bow

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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January 20, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 32

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: Returning to My Education I graduated, received my BA degree with specialty in music, Mary Washington College, and was ...

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January 18, 2024

6 Top Investing Tips That the Experts Always Follow

By Sabado Domingo

There is a lot of information about investing in the print media and the cyberspace -- and sometimes it can be overwhelming. Yes, your friends and family can advise you, and you may have your thoughts on this subject. However, staying informed goes a ...

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January 17, 2024

Expecting the Unexpected: Managing Finances With a Disability

By Corazon Gritar

When it comes to finances, most people know how to manage their daily expenses fairly well. However, once saving for the future is brought into question, things become a bit trickier. How much should you save? How should you be saving it? One ...

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January 16, 2024

Contrarian Shopping: 20 Things I’m Willing to Pay More For

By Len Penzo

There's a lot to be said for contrarian investing. Famous investors like Warren Buffett and Jim Rogers are routinely lauded for going against the herd and purchasing unwanted stocks at bargain bin prices. Interestingly enough, nobody ever gets ...

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January 15, 2024

How Smart Finance Is Using the Latest Technologies to Stay Ahead

By Len Penzo

If you want to stay ahead in business, you need to be willing to take risks and put yourself out there – something that Smart Finance (SmartFin) is most definitely taking extremely seriously. Let's dive into how Smart Finance is taking the lead by ...

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January 13, 2024

Black Coffee: Looters & Moochers

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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January 13, 2024

Why Money Isn’t the Root of All Evil

By Len Penzo

So you think that money is the root of all evil? Have you ever asked what is the root of money? Money is a tool of exchange, which can't exist unless there are goods produced and men able to produce them. Money is the material shape of the principle ...

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January 11, 2024

4 Super Apps That Can Help You Earn Extra Cash

By Enero Febrero

Who doesn't want to make a little extra cash? Of course, we all do! However, with many people today juggling two to three jobs, worrying about paying off their mortgage or lines of credit, bills, dealing with their daily financial woes and worse, who ...

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January 10, 2024

10 Tips for Managing Long-Term Care for Elderly Parents

By Mikey Rox

We all dread the day when we may be faced with making important life decisions on behalf of our aging parents. It's never an easy road deciding how to best care for the people who used to care for us, and there are plenty of variables that should be ...

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January 9, 2024

A Real-Life Example of the High Cost of Convenience

By Len Penzo

We've all heard people lament the high costs of convenience. Well ... today I want to share a personal story that perfectly exemplifies this. I was in my garage the other day when I heard a strange beeping sound coming from the optical network ...

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January 8, 2024

Black Coffee: Cocktails & Dreams

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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January 6, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 31

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: "On The Thing" One other never-to-be-forgotten memory of college work at Vint Hill was the psychology class. Our teacher ...

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January 4, 2024

6 Ways to Save on Your Miami Relocation

By Tex Freitag

Miami is a city where the sun shines brightly and the ocean beckons. However, it is more than just a vacation hotspot. It's a place many call home. Therefore, whether planning for retirement or seeking a vibrant lifestyle change, the prospect of ...

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January 3, 2024

Selecting Life Insurance: Here’s How to Do It the Right Way

By Enero Febrero

Selecting the right kind of life insurance is important for anyone ready to make this financial step. So is there a big secret for selecting life insurance? Well ... as with all things regarding your financial life, the person who can give you the ...

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January 3, 2024

6 Good Financial Habits That Will Improve Your Bottom Line

By Anum Yoon

Did you make a New Year's resolution to improve your bottom line? Fortunately, it only takes a few good financial habits to meet that noble goal. Even better, most good financial habits are so easy to implement that it's just a matter of getting ...

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January 2, 2024

The Top 40 Ways to Improve Your Credit Score

By Len Penzo

One of the first and most important tasks most everybody should tackle as an adult is establishing and improving their credit score. That's because people with great credit enjoy lower loan rates that can result in serious monetary savings. After ...

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January 1, 2024

Black Coffee: Buckling Up for the New Year

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. Another busy week is crossed off the ...

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December 30, 2023

You Don’t Always Get What You Pay For

By Len Penzo

One of the most popular financial tips that people routinely dispense to others is, "You get what you pay for." Perhaps that's why many folks erroneously believe they can't go wrong by paying more for something -- whether it's a fancy meal, designer ...

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December 28, 2023

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