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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

How to Use Credit Card Chargebacks to Get Refunds from Stubborn Vendors

By Anum Yoon

Not every merchant goes by the mantra, "The customer is always right." Therefore, even if you've received a fraudulent charge or want to return a piece of merchandise, they may not let you -- and you may not get your money back. Fortunately, credit ...

Continue reading How to Use Credit Card Chargebacks to Get Refunds from Stubborn Vendors

August 15, 2023

5 Steps to Achieve Financial Freedom

By Sabado Domingo

In a culture where there are many financial stresses and uncertainties, the concept of reaching full financial independence may seem like an unattainable ideal. However, a strategic approach can make your goals far more attainable than you realize. ...

Continue reading 5 Steps to Achieve Financial Freedom

August 14, 2023

Dollar Bill Trivia: Fun Facts That Will Help Unravel the True Meaning of a Dollar

By Len Penzo

Have you ever looked really closely at the US one-dollar bill? It may not buy much anymore, but for those interested in dollar-bill trivia, there's a lot of stuff going on with that humble bill -- and some of it is actually kind of creepy. Today ...

Continue reading Dollar Bill Trivia: Fun Facts That Will Help Unravel the True Meaning of a Dollar

August 14, 2023

Black Coffee: Good News, Bad News

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: Good News, Bad News

August 12, 2023

Is It OK to Borrow from Your 401k?

By Len Penzo

Roughly 3 in 10 people now borrow money from their 401k retirement plans. Generally, you can borrow half your account balance -- up to $50,000 -- for as long as five years. But is it okay to borrow from your 401k? True, it's among the cheapest loans ...

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August 10, 2023

Renew Your Skin: A Definitive Manual for Hydrating Dry Skin

By Enero Febrero

hydrating dry skin

For many people, dry skin is a troublesome issue to manage. Thankfully, there are a variety of hydrating skincare products available today that can rejuvenate your skin and leave you with a healthy glow. With that in mind, we've put together this ...

Continue reading Renew Your Skin: A Definitive Manual for Hydrating Dry Skin

August 9, 2023

How to Get the Dream Home You Always Wanted

By Sabado Domingo

Maybe you've owned a home for years, or you've just left your parent's home and are looking to get onto the property ladder. Either way, getting the deposit ready for purchasing your dream home is no easy task. For most people, buying a home is the ...

Continue reading How to Get the Dream Home You Always Wanted

August 9, 2023

Identifying Small Business Money Leaks: Is Your Store Losing Money?

By Corazon Gritar

No matter the size of your business, you want to make sure you're spending money as efficiently as possible to help you and your company thrive. However, plenty of small businesses find themselves losing money in places they might not always expect ...

Continue reading Identifying Small Business Money Leaks: Is Your Store Losing Money?

August 8, 2023

What Is a Crypto Airdrop?

By Sabado Domingo

what is crypto airdrop

Crypto projects often distribute free tokens to crypto community wallet addresses to encourage the adoption of a well-known or new cryptocurrency. This is called an "airdrop" (literally: airdrop) and happens for various reasons.  The usdt ...

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August 7, 2023

Black Coffee: Looking Out for #1

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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August 5, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 20

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: Our First House. Because our one-bedroom apartment would soon be outgrown, we spent a lot of Sunday afternoons looking in nice ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 20

August 3, 2023

Tips for Maximizing Your Investment Returns

By Sabado Domingo

If you're looking for tips on maximizing your investment returns, it's important to understand that being a savvy investor these days is not nearly enough. You also have to be sure you're investing in the most tax-efficient manner possible. A recent ...

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August 2, 2023

Travel Mistakes: 12 Ways Travelers Inadvertently Increase Vacation Costs

By Mikey Rox

Cutting costs on travel can be a boon for our wallets. But there's a dark side to some of those "discounts." With that in mind, here are 12 travel mistakes that, if you're not careful, can end up costing you more than you bargained for: Flying ...

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August 1, 2023

The Role of BPO Service Providers in Digital Transformation

By Tex Freitag

Businesses increasingly embrace digital technologies to revolutionize their operations, improve customer experiences, and stay competitive. Business Process Outsourcing (BPO) service providers are a critical player in this transformative journey. ...

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July 31, 2023

ADA to USDT: Navigating the Cardano-to-USDT Conversion Process

By Sabado Domingo

Investors and traders worldwide are taking notice of Cardano (ADA) as it gains popularity as a prominent cryptocurrency. As more individuals buy Cardano, they seek ways to convert their ADA holdings into other assets or stablecoins. One option many ...

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July 31, 2023

The Definitive Homebuyer’s Guide to Mortgage Junk Fees

By Len Penzo

After many years, I've become very familiar with that eternal home loan enigma known as the mortgage junk fee. It's hard not to become familiar with mortgage junk fees after buying two homes and refinancing my mortgage multiple times. As a result, I ...

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July 31, 2023

Black Coffee: Living on Borrowed Time

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 ...

Continue reading Black Coffee: Living on Borrowed Time

July 29, 2023

Tips to Help College Students Prepare for Their Future

By Sabado Domingo

You may already be in the middle of your degree program, and as important as your education is, there are other aspects of your future you need to consider. But since you're already busy going through your degree, you might be thinking you don't have ...

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July 28, 2023

Escaping Your Comfort Zone: Why It’s So Important

By Len Penzo

Escaping our comfort zone is hard. After all, it's only human nature to want to spend as much time as possible there. And why not? It takes courage to walk away from the dependable familiarity and security that waits for us there; for many, sometimes ...

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July 27, 2023

Good Financial Management: How to Make Yourself Richer by Understanding Money

By Sabado Domingo

Good financial management basically means taking the correct approach to your finances which in turn can help you to increase your net worth, to avoid financial difficulties and generally to be better off. Many of us think of good financial ...

Continue reading Good Financial Management: How to Make Yourself Richer by Understanding Money

July 26, 2023

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