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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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 ...

Continue reading The Most Important Insurance We Never Buy

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 ...

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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 ...

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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 ...

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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 ...

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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

Grandfather Says: The Continuing Chronicles of Elaine, Part 13

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 wedding was Saturday, January 2, 1954, at 8:00 pm. Late weddings were common then. (Dave says "the Baptists didn't want to ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 13

April 27, 2023

4 Things You Should Look for When Selecting a Binary Options Broker

By Sabado Domingo

Selecting a binary options broker is one of the most important decision an individual investor will make over the course of his or her trading career. With so many vendors out there, and such varying degrees in the quality of the services on offer, ...

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April 26, 2023

Small Business Tips for Success In the Age of Digital Disruption

By Corazon Gritar

Small businesses are a major driver of innovation and progress in the US economy. In fact, there are approximately 28 million small businesses in the US alone, making up 44% of U.S. economic activity. But despite their strides toward innovation, ...

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April 25, 2023

Effective Negotiating Tactics Everyone Should Know

By Len Penzo

I have always believed that one of the most important life skills that every person should have mastered before setting out on their own is the ability to successfully negotiate. Of course, that requires one to have a firm grasp on the most effective ...

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April 24, 2023

Black Coffee: More Holes in the Boat

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. ...

Continue reading Black Coffee: More Holes in the Boat

April 22, 2023

Why It Pays to Never Give Up

By Len Penzo

Quitting is easy, but that doesn't mean you should. JK Rowling's manuscript for Harry Potter and the Philosopher's Stone was rejected by the first 12 publishers she approached. Walt Disney was fired from the Kansas City Star because his boss ...

Continue reading Why It Pays to Never Give Up

April 20, 2023

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