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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Determine If Your Artwork Is Valuable

By Gayle Tate

When Marvin Gaspar came to my office for his appointment to discuss an appraisal, I had little clue where I would end up on the roller coaster ride he was about to take me on. Marvin was a claims adjuster from an insurance company who wanted an ...

Continue reading How to Determine If Your Artwork Is Valuable

May 24, 2023

6 Ways to Clean Out Your House for Cash This Spring

By Mikey Rox

Spring cleaning time is almost here. With that in mind, before you start tossing out perfectly good, re-sellable items, why not take inventory of all the goodies you've got and determine the best method of sale? After all, you may as well recoup some ...

Continue reading 6 Ways to Clean Out Your House for Cash This Spring

May 23, 2023

12 Good Reasons Why You Should (and Shouldn’t) Pay Off Your Mortgage Early

By Len Penzo

Do I think you should pay off the mortgage early? You may as well ask me if I think it is a good idea if you paint your living room sage green. For many years I believed that paying off your mortgage was an absolute no-brainer. Then I did a ...

Continue reading 12 Good Reasons Why You Should (and Shouldn’t) Pay Off Your Mortgage Early

May 22, 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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May 20, 2023

Why Lazy People Shouldn’t Automate Their Finances

By Len Penzo

Millions of successful household CEOs automate their finances in order to save time and money, and help them reach their financial goals. For example, prepaying your utility bills, the mortgage and other loans helps eliminate late fees and postage. ...

Continue reading Why Lazy People Shouldn’t Automate Their Finances

May 18, 2023

Benefits for Businesses That Allow Employees to Work from Home

By Enero Febrero

According to Strategic Business Insights, the trend toward working from home and the virtual workplace is still continuing to increase. Of course, working from home offers significant benefits in terms of a business's ability to work with employees ...

Continue reading Benefits for Businesses That Allow Employees to Work from Home

May 17, 2023

Teens and Credit Cards: 9 Ways You’ll Pay Later for Giving Them One Now

By Mikey Rox

I'm not a parent, so I won't presume to tell you how to raise your child. However, I can tell you that when it comes to teens and credit cards, putting plastic into their hands is a mistake that you both could end up paying for well into the ...

Continue reading Teens and Credit Cards: 9 Ways You’ll Pay Later for Giving Them One Now

May 16, 2023

The Most Important Insurance We Never Buy

By Len Penzo

It's ironic, but bankers and fiscally irresponsible governments despise gold and silver. Why? Because precious metals demand accountability, that's why. In short, gold-backed currencies force responsible governments to live within their ...

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May 15, 2023

Black Coffee: Figures Lie and Liars Figure

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: Figures Lie and Liars Figure

May 13, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 14

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: The summer of 1954 we enjoyed our belated honeymoon in the Upper Peninsula of Michigan. We have pictures of us holding fish we ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 14

May 11, 2023

6 Reasons Travel Insurance Is a Requirement, Not a Luxury

By Sabado Domingo

Traveling is fun until something happens when you're miles away from home, and you find yourself between a rock and a hard place. That one trip you were so thrilled to go to could end up being a frustration galore. In such a situation, who do you ...

Continue reading 6 Reasons Travel Insurance Is a Requirement, Not a Luxury

May 10, 2023

How to Manage Employee Payrolls Effectively

By Enero Febrero

Payroll management is something that is both basic and complex at the same time. But it's something that every employer has to deal with -  so it's vitally important to get it right. The trouble is, many first-time business owners have no idea how to ...

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May 10, 2023

How to Make Your Business More Secure on a Budget

By Corazon Gritar

When you're running a small business, you need to deal with a stream of complex issues. For example, how do you make your small business more secure? It's important that you take the time out of your busy schedule to prepare your company finances. ...

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May 9, 2023

How to Stop Junk Mail Easily: What Marketers Don’t Want You to Know

By Len Penzo

Like most people concerned about identity theft, I occasionally gather up any documents with sensitive personal information I've accumulated over time and run them through the paper shredder. As usual, most of it was junk; courtesy of the United ...

Continue reading How to Stop Junk Mail Easily: What Marketers Don’t Want You to Know

May 8, 2023

Black Coffee: Upping the Ante

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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May 6, 2023

Why Early Risers Smile More

By Len Penzo

Ever wonder why early risers smile more? A survey of 20 top CEOs by Yahoo!Finance found that 80% of them wake up every morning at 5:30 or earlier. And the other 20% rise and shine no later than 6:00. According to Forbes, studies show that early ...

Continue reading Why Early Risers Smile More

May 4, 2023

India Property Investing: What You Should Know Before Buying

By Enero Febrero

As the Reserve Bank of India (RBI) eases norms on non-resident Indians (NRI) investing in property in India, more and more of them are now looking to invest in their homeland. It is not just a nostalgic, romantic attachment. With the depreciating ...

Continue reading India Property Investing: What You Should Know Before Buying

May 3, 2023

8 Things Employers Look for Beyond a College Degree

By Anum Yoon

You're about to graduate from college, or maybe you already have your degree and are looking for employment. Be proud of your degree -- you earned it through several years of hard work. Hopefully, that translates into a good job in your field of ...

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May 2, 2023

Why Coffee Drinkers Waste More Than Just Money at Starbucks

By Len Penzo

It's a common refrain: buying coffee at Starbucks is a waste of money. Now, I don't mean to make you uncomfortable, but I think it's high-time we had a deeper, more serious, conversation about the wildly popular coffee house chain. I want to start ...

Continue reading Why Coffee Drinkers Waste More Than Just Money at Starbucks

May 1, 2023

Black Coffee: Situation Normal …

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: Situation Normal …

April 29, 2023

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