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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Banking On Trust

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: Banking On Trust

December 3, 2022

Here’s How to Take Advantage of Everyday Sales for Everyday Items

By Enero Febrero

Every month, you have to buy items for yourself and your household that are not very expensive on their own. But if you added up the cost of all these things together, they'd amount to a big bill. Most people always look for ways to save, either by ...

Continue reading Here’s How to Take Advantage of Everyday Sales for Everyday Items

November 30, 2022

8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

By Anum Yoon

Are you struggling (again) to come up with some unique Christmas gift ideas? This year, instead of waiting in long lines at the shopping malls or surfing hundreds of websites, why not try something different? Give a low cost homemade Christmas gift ...

Continue reading 8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

November 29, 2022

Home Repair Scams: Here Are the 9 Biggest

By Len Penzo

I've had numerous home repair scammers come to my house through the years offering "great deals" that were really anything but. You know the type. Most of these guys wouldn't know what a contractor's license looked like if it hit them in the ...

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November 28, 2022

Black Coffee: Buying High and Selling Low

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: Buying High and Selling Low

November 26, 2022

Grandfather Says: The Continuing Chronicles of Elaine

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: Recently, 2001, Dave and I had some fun reading one of my old diaries, written when Jerry and Dave overlapped, gradually ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine

November 24, 2022

The Parents’ Guide to Helping Your Child Choose a College

By Sabado Domingo

Choosing a college is one of the most daunting decisions young adults face. That's why it's important for parents to offer advice and guidance. It's also important for families to seek advice from high school guidance offices and family friends. ...

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November 23, 2022

What Gig Workers Should Plan For

By Sabado Domingo

More and more workers are turning to the gig economy for work as either full-time income or supplemental income. Maybe you need it to make ends meet, or maybe you want to work more on your own terms for a better work-life balance. But no matter why ...

Continue reading What Gig Workers Should Plan For

November 22, 2022

4 Ways to Have a Budget Friendly Wedding

By Corazon Gritar

While any major party or event has its costs, weddings with ridiculous price tags are becoming increasingly common. In fact, the cost of weddings in recent years has forced some couples to put off tying the knot altogether. The average amount spent ...

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November 22, 2022

How Hard vs. Soft Credit Checks Can Impact Your Life

By Sabado Domingo

Living in this current economic climate has been a struggle for Millennials. With auto loan debts and zero retirement savings weighing down many young adults, it seems impossible to dig themselves out of the hole. But you can solve a handful of money ...

Continue reading How Hard vs. Soft Credit Checks Can Impact Your Life

November 21, 2022

The Optimistic Future of Bitcoin in the Oil Industry

By Tex Freitag

With bitcoin, a vulnerability in the oil and gas industry could be mitigated by oil companies using blockchain technology as a means of transacting business on an international level without the need for central banks and foreign exchange ...

Continue reading The Optimistic Future of Bitcoin in the Oil Industry

November 21, 2022

9 Great Gift Ideas for People Who Have Everything

By Len Penzo

I always struggle when it comes to finding great gift ideas for people who have everything. My family draws names every year as part of our annual Christmas gift exchange. It's typically done a year in advance, on Christmas Day, long after all the ...

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November 21, 2022

Black Coffee: Wake-Up Call

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 ...

Continue reading Black Coffee: Wake-Up Call

November 19, 2022

Compound Interest Isn’t Everyone’s Best Friend

By Len Penzo

Invest $100 that earns a 6% annual return and you'll have $106 a year later. The uninitiated might expect to see $112 in their account after two, but they'd actually have $112.36 because interest not only accrued on the original principal of $100, ...

Continue reading Compound Interest Isn’t Everyone’s Best Friend

November 17, 2022

Why You Need Point of Sale Equipment for Your Retail Business

By Sabado Domingo

If you want to become a leading player in the retail industry, it is imperative to make the most of last-generation point of sale (POS) equipment. Today, there are many appealing options, enabling users to save time and money while serving their ...

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November 16, 2022

Learn All About Hard Money Loans In Less Than 7 Minutes

By Corazon Gritar

When you think about loans, you probably either think about big banks that have capital to spare or shady back-alley loan sharks that are almost certainly going to scam you. Hard money loans fall outside of both of these stereotypes. More ...

Continue reading Learn All About Hard Money Loans In Less Than 7 Minutes

November 15, 2022

Opening a Tax Prep Office: 5 Steps to Success

By Tex Freitag

It's no secret that filing taxes is a chore for everyone, from individuals to corporations. These are the folks that tell themselves they don't need help with the accounting but end up having trouble with the figures and paperwork. When tax season ...

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November 14, 2022

101 Slang Terms for Money

By Len Penzo

In 1737, Benjamin Franklin published The Drinker's Dictionary, a long list of over 200 alternative terms and phrases for being drunk. On the other hand, good ol' Ben never published a similar list of money slang -- which I find to be curious when you ...

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November 14, 2022

Black Coffee: Rock vs. Paper

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: Rock vs. Paper

November 12, 2022

Why Programmable Thermostats Rarely Save People Money

By Len Penzo

For most folks who find themselves away from home for a good portion of the day, a programmable thermostat offers many benefits. Conventional wisdom says one of the biggest is lower energy bills resulting from more efficient heating and air ...

Continue reading Why Programmable Thermostats Rarely Save People Money

November 10, 2022

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