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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Money and Madmen

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: Money and Madmen

October 8, 2022

Is a Roth IRA Conversion Wise for You?

By Donna Skeels Cygan

Unless Congress passes new tax laws during the next three years, the tax brackets from 2017 will be back in 2026, resulting in higher taxes for many people. For people in high tax brackets, wise tax planning is essential. One strategy to counteract ...

Continue reading Is a Roth IRA Conversion Wise for You?

October 7, 2022

Grandfather Says: A Heartfelt Poem

By RD Blakeslee

As the sky dims and the light fades and the cold earth calls us home In our old age we love still in a way of a heartfelt poem Our mate is still a lovely sight, envisioned day and night The beauty in the aged lines tell the face of one ...

Continue reading Grandfather Says: A Heartfelt Poem

October 6, 2022

Stretch Your Paycheck: Money-Saving Advice for First-Time Employees

By Sabado Domingo

One factor that employees consider when looking for a new job is their compensation. Before accepting any offer, you should strive to stretch your first paycheck during negotiations so it's as big as possible. At a minimum you should always ensure ...

Continue reading Stretch Your Paycheck: Money-Saving Advice for First-Time Employees

October 5, 2022

A History of Digital Comm: When Was the First Video Conference?

By Sabado Domingo

The history of video conferencing is a long and intriguing one. Just like most complex technologies, it went through numerous phases in fits and starts. Today, this type of business communication has become the norm. So how did this fascinating ...

Continue reading A History of Digital Comm: When Was the First Video Conference?

October 5, 2022

4 Great Marketing Tips for Startups on a Tight Budget

By Corazon Gritar

In many ways, small businesses and startups are the heart and soul of our society. Ensuring that your new business hits the ground running is a real challenge. Not surprisingly, every entrepreneur who is just starting out is eager to embrace ...

Continue reading 4 Great Marketing Tips for Startups on a Tight Budget

October 4, 2022

Perfection When Managing Money: Is Close Really ‘Good Enough’?

By Len Penzo

I'm not a big football fan. Oh sure, I occasionally enjoy watching football on television. But, unlike hockey and baseball, I rarely bother buying tickets to attend football games in person. That being said, my buddy had an extra ticket to a ...

Continue reading Perfection When Managing Money: Is Close Really ‘Good Enough’?

October 3, 2022

Black Coffee: Decisions, Decisions

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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October 1, 2022

How to Save Money On Your Online Spending

By Enero Febrero

The Internet has made lots of things easier, including shopping. Gone are the days when you had to leave the house and go to the store to get your groceries. Now you can have them delivered. It's the same for gaming online. You can play without ...

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September 30, 2022

How to Know if You’re Eligible for 2022 Student Loan Forgiveness

By Sabado Domingo

One-time student loan forgiveness could reach millions of borrowers by the end of this year. And some may be able to take advantage of student loan relief eligibility immediately. This year, President Biden announced that Pell Grant recipients who ...

Continue reading How to Know if You’re Eligible for 2022 Student Loan Forgiveness

September 29, 2022

End the Fed: Why the Federal Reserve Must Be Abolished

By Len Penzo

The central bank is an institution of the most deadly hostility existing against the principles and form of our Constitution. If the American people allow private banks to control the issuance of their currency, first by inflation and then by ...

Continue reading End the Fed: Why the Federal Reserve Must Be Abolished

September 29, 2022

Holiday Shopping Tips: How to Get a Head Start and Maximize Your Budget

By Enero Febrero

While procrastination is a universal phenomenon, we should all be fighting the urge to delay when it comes to shopping for the upcoming holiday season. Although many of us are content to wait and drive to the store a couple days before Christmas, it ...

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September 28, 2022

How to Start Your Life in a New Country

By Sabado Domingo

Starting a life in a new country is equal parts exciting and terrifying. It's exciting because you get to embark on an amazing new journey. At the same time it's terrifying because there are many things you need to do to make it happen. It can be ...

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September 27, 2022

The 3 Most Important Aspects of Any Home Search

By Corazon Gritar

Fall is one of the busiest times of the year for homeowners and sellers alike, but for buyers in particular, it's easy to get overwhelmed with your never-ending search. In fact, according to the National Association of Realtors, 52% of home buyers ...

Continue reading The 3 Most Important Aspects of Any Home Search

September 27, 2022

10 Unique Halloween Treats That Kids Love, But Rarely Get!

By Len Penzo

When it comes to favorite Halloween treats, I consider my 10-year old daughter, Nina, to be the ultimate authority. Nobody loves sweets and desserts like her -- especially those that contain chocolate. Pity any future suitor who makes the ...

Continue reading 10 Unique Halloween Treats That Kids Love, But Rarely Get!

September 26, 2022

Black Coffee: Truth or Consequences

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: Truth or Consequences

September 24, 2022

Grandfather Says: The Joy of Teachable Moments

By RD Blakeslee

Grandfather says he's not much taken with teaching credentials. To hear some "educators" talk, one would think nobody could learn anything without their expert ministrations. Well ... here's a case where Grandfather taught something without a ...

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September 22, 2022

How to Increase Your Organizing Skills as a Freelancer

By Sabado Domingo

Today, more than 17 million Americans rely on freelance work for their income. If you're one of them -- or hope to become one of them -- you already know that freelancing offers a level of flexibility and self-determination that you just can't get ...

Continue reading How to Increase Your Organizing Skills as a Freelancer

September 21, 2022

6 Ways to Help a Family Member in Legal Trouble

By Sabado Domingo

One of the worst calls you could possibly receive is from a loved one that's in trouble and desperately needs your help. For some people, this may be a regular occurrence, however, for others, it could be a shock to the system. As friends and family, ...

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September 20, 2022

How to Save Money with a Fall Shopping Budget

By Corazon Gritar

Fall is upon us, and with the colder weather comes the need to bring out the sweaters and jackets. It's also a time when people enjoy purchasing new cold weather clothing as part of their fall shopping. In doing this, some people forget about saving ...

Continue reading How to Save Money with a Fall Shopping Budget

September 20, 2022

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