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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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The Pros and Cons of 5 Legal (and Illegal) Cash Advance Options

By Len Penzo

Let's get one thing straight; no matter how you slice it, when you're short on money, looking for a quick cash advance is the Hail Mary pass of personal finance. So a cash advance should always be the option of last resort. In an ideal world, ...

Continue reading The Pros and Cons of 5 Legal (and Illegal) Cash Advance Options

October 24, 2022

Black Coffee: Something Evil Is Stirring

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: Something Evil Is Stirring

October 22, 2022

5 Tips for Cutting Car Insurance Costs

By Sabado Domingo

Our vehicles are probably our most prized possession and that's why we don't feel bad about spending so much time and money to maintain and protect them. One such exorbitant expense that comes each month are insurance premiums - which is why ...

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October 20, 2022

Grandfather Says: Signs of the Time

By RD Blakeslee

While awaiting his turn to be drafted into the Army during the UN's "Korean Police action," Grandfather took advantage of a friend's neon sign business. The friend pumped and sealed leaking neon sign tubing Grandfather took off defunct signs for ...

Continue reading Grandfather Says: Signs of the Time

October 20, 2022

3 Tips for Growing an Online Business Fast

By Sabado Domingo

The Internet offers dozens of unique opportunities to generate income. Anyone with an Internet connection and basic tech literacy can start an online business. However, only those willing to learn new digital skills experience consistent success. ...

Continue reading 3 Tips for Growing an Online Business Fast

October 19, 2022

3 Tips for Starting a Successful Small Business

By Sabado Domingo

Thousands of people strive to become successful at opening and operating their own small businesses each year. However, according to the Small Business Administration, over 50% of small businesses fail within their first year. Regardless of the type ...

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October 19, 2022

3 Easy Ways to Reduce Your Water Bill This Winter

By Corazon Gritar

Winter is when many homeowners see their heating bills spike. Fortunately, there are a few simple ways to save money on your water bills - and stop wasting water in the process. The key is figuring out how to reduce your water bill in the most ...

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October 18, 2022

Aftermarket Car Parts: Are They Really Worth the Money You Save?

By Len Penzo

Do men or women make better drivers? It's a question that I suspect has been debated ever since Henry Ford started mass-producing his Model T at the turn of the twentieth century. One thing is certain: I know the question has always been a hot topic ...

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October 17, 2022

Black Coffee: Orgies of Excess

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: Orgies of Excess

October 15, 2022

Why Creating a Budget Is So Important (for Most People)

By Len Penzo

Creating a budget isn't the answer for everyone. After all, there are many people without budgets who have minimal debt. They also pay off their credit cards monthly and save money. Even so, there are just as many who need a budget to track expenses, ...

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October 13, 2022

Cheap Holidays: How to Travel Abroad During the Economic Downturn

By Sabado Domingo

It should be no surprise to anyone that an economic downturn has affected most of the Western world. In Europe some have been hit harder than others. This, in turn, has had a knock-on effect on the travel and tourism industries in these countries. ...

Continue reading Cheap Holidays: How to Travel Abroad During the Economic Downturn

October 12, 2022

Always Be Sure To Avoid These Common Personal Finance Mistakes

By Sabado Domingo

It is time to give yourself a personal finance audit. After all, when it comes to eliminating common personal finance mistakes, you have to take a long, hard look from time to time to be sure you haven't fallen into one of the many critical errors ...

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October 11, 2022

More Than Half of All Americans Delay Medical Care Due to Costs

By Corazon Gritar

When we become ill or get injured, it seems only natural to seek out medical treatment. But as recent research shows, more than half of Americans choose to delay - or totally refrain from getting - medical care due to one factor: overwhelming ...

Continue reading More Than Half of All Americans Delay Medical Care Due to Costs

October 11, 2022

Trying to Save Money on Gas? Driving Out of Your Way Rarely Helps

By Len Penzo

As inflation continues to wreak havoc on household budgets, people are looking to save money wherever they can. For example, I know people who will drive five miles out of their way, ten miles round trip, just to save a nickel per gallon. Then there ...

Continue reading Trying to Save Money on Gas? Driving Out of Your Way Rarely Helps

October 10, 2022

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 ...

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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 ...

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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 ...

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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 ...

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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

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