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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Bucking the System

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: Bucking the System

April 1, 2023

5 Proactive Budgeting Tips for Single Homeowners

By Corazon Gritar

Balancing finances at home can be a challenge for many single homeowners. The budget is crucial, but being able to manage personal and business finances will help make things easier to work from. In this post, you'll learn about budgeting tips for ...

Continue reading 5 Proactive Budgeting Tips for Single Homeowners

March 31, 2023

The Continuing Chronicles of Elaine, Part 11

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 Days and Nights on Kianlud Mountain Dave took many black and white pictures in the Philippines, and colored slides, and ...

Continue reading The Continuing Chronicles of Elaine, Part 11

March 30, 2023

How to Control Spending by Creating a Budget

By Sabado Domingo

Depending on how disciplined you are, a budget may not be essential to keeping your finances under control, but it does allow you to make calculated decisions about how to spend your income. Many competent household CEOs create and use a budget to ...

Continue reading How to Control Spending by Creating a Budget

March 29, 2023

Steps You Can Take to Increase Your Financial Resilience

By Tex Freitag

Research shows that 71% of adults in developing countries have a financial account. Despite this statistic, only 55% can be resilient to financial shocks. The rest find it difficult or impossible to access emergency money when such situations ...

Continue reading Steps You Can Take to Increase Your Financial Resilience

March 28, 2023

Investment Fraud Has Yet to Doom the Controversial EB-5 Visa Program

By Corazon Gritar

In 1990 Congress created the EB-5 visa program. Their goal was to stimulate the US economy, and the capital investment from foreign investors was cited as a good way to do that. The program itself gives easy green card access to foreign nationals, ...

Continue reading Investment Fraud Has Yet to Doom the Controversial EB-5 Visa Program

March 28, 2023

34 Financial Tricks to Help You Retire Early

By Len Penzo

The other day our Stacking Benjamins podcast roundtable team was discussing an article on a popular mainstream financial website about how to retire early. I especially loved the story's first recommendation: "Start saving as early as you ...

Continue reading 34 Financial Tricks to Help You Retire Early

March 27, 2023

Black Coffee: The Waiting Game

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. And ...

Continue reading Black Coffee: The Waiting Game

March 25, 2023

5 Simple Reasons Why You Always Owe Taxes (and How to Change It)

By Sabado Domingo

Nobody loves a surprise tax bill. Even worse is owing the IRS every year, despite making changes to your withholdings. If that sounds familiar, you'll be interested to know about the five most common reasons you always owe taxes -- and the steps ...

Continue reading 5 Simple Reasons Why You Always Owe Taxes (and How to Change It)

March 24, 2023

The Big Advantages of Natural Gas Appliances

By Len Penzo

Most cooking aficionados prefer natural gas cooktops over electric ones because they heat evenly, and provide precision control with instant on/off capability. Natural gas appliances have other big advantages. For example, they typically last longer ...

Continue reading The Big Advantages of Natural Gas Appliances

March 23, 2023

Is a Master’s Degree in Education Worth It? 7 Key Questions to Ask

By Sabado Domingo

So you're thinking about getting your master's degree in education, but you're not sure where to start - or even whether a master's degree in education is worth it. Well, there are so many things to consider: For example, should your college ...

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March 22, 2023

Comparing the Flat Tax, Fair Tax, and Progressive Tax Systems

By Anum Yoon

If you dread filing your taxes every year, it's good to know there are multiple taxation systems besides the current progressive one here in the United States. So if you've heard the terms "flat tax" or "Fair Tax" then you may be wondering what they ...

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March 21, 2023

Are Energy Efficient CFL Bulbs Worth Paying More For?

By Len Penzo

The other day my home's incandescent 60-watt porch light bulb finally gave up the ghost, so I ran down to my favorite hardware store to pick up a new one. Upon arriving, the choice I had to make was whether to buy a new incandescent bulb, or an ...

Continue reading Are Energy Efficient CFL Bulbs Worth Paying More For?

March 20, 2023

Black Coffee: Pushing the Panic Button

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 us. ...

Continue reading Black Coffee: Pushing the Panic Button

March 18, 2023

The Continuing Chronicles of Elaine, Part 10

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: Reporting to Japan on the Way to Korea (the Korean War was going on then). Around the time of my graduation and new Art ...

Continue reading The Continuing Chronicles of Elaine, Part 10

March 16, 2023

3 Ways That Make Credit Cards Vulnerable to Fraud

By Enero Febrero

Grocery store purchases might not raise the hair on the back of your neck, but seemingly-endless stories about retail hacking might. The two are more connected than you might imagine, and the binding factor is the credit card in your wallet. In fact, ...

Continue reading 3 Ways That Make Credit Cards Vulnerable to Fraud

March 15, 2023

Common Financial Mistakes in Manufacturing (and How to Avoid Them)

By Corazon Gritar

For businesses that must deal with financial mistakes in manufacturing, it's important to understand that the manufacturing industry focuses on four distinct principles: inventory, forecasting, cost accounting, and production. The good news is even ...

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March 14, 2023

Blind Taste Test: Does Bottled Water Really Taste Better Than Filtered Tap?

By Len Penzo

Does bottled water taste better than filtered tap? You'd certainly think so, based on the number of people who drink it today. And that's too bad because, compared to tap water, the bottled stuff is absurdly expensive. It also generates a lot of ...

Continue reading Blind Taste Test: Does Bottled Water Really Taste Better Than Filtered Tap?

March 13, 2023

Black Coffee: Banking on the Future

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: Banking on the Future

March 11, 2023

Behind the Science of Defining What’s Truly Priceless

By Len Penzo

Some things are utterly impossible to put a price on. For example, regardless what's offered, no rational person would ever sell their family. It's also impossible to put a monetary value on good health -- let alone human life. Even so, that didn't ...

Continue reading Behind the Science of Defining What’s Truly Priceless

March 9, 2023

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