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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Everybody Knows

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: Everybody Knows

March 15, 2025

The Most Profitable Practice Models for Nurse Practitioners

By Sabado Domingo

Nurse practitioners (NPs) are increasingly carving out their own space in the healthcare industry, leveraging their expertise to establish profitable and sustainable practice models. With a growing demand for quality healthcare and an increasing ...

Continue reading The Most Profitable Practice Models for Nurse Practitioners

March 14, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 62

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: In November 1999, Dave and I were at Cape Hatteras just after the lighthouse had been moved, and we happened to be there for the ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 62

March 13, 2025

6 Big Home Seller Mistakes That Turn Off Potential Homebuyers

By Sabado Domingo

When a potential buyer walks through your front door, what do they see? First impressions are really important, and many buyers will know within seconds whether the place is right for them. However, there are certain things that'll put buyers off ...

Continue reading 6 Big Home Seller Mistakes That Turn Off Potential Homebuyers

March 12, 2025

5 Affordable Ways to Upgrade an Outdated Bathroom

By Anum Yoon

A wise man once said, "You go to take a shower with the bathroom you have -- not the bathroom you might want or wish to have at a later time." Perhaps we're paraphrasing, but how happy are you with your current master bathroom? This should be your ...

Continue reading 5 Affordable Ways to Upgrade an Outdated Bathroom

March 11, 2025

How to Protect Your Designs from Copycats Without Wasting Time & Money

By Sabado Domingo

protect design from copycats

In today’s fast-paced and highly competitive creative world, the need to protect your designs from copycats is more important than ever. With the rise of global markets and digital platforms, copycats can easily replicate your original work. This can ...

Continue reading How to Protect Your Designs from Copycats Without Wasting Time & Money

March 10, 2025

The Leprechaun and the Lamborghini

By Len Penzo

Here is my St. Patrick's Day variation on a very old story that's been passed down and told many times. The Leprechaun and the Lamborghini One day, not too long ago, a leprechaun disguised as a businessman walked into a bank in New York City and ...

Continue reading The Leprechaun and the Lamborghini

March 10, 2025

Black Coffee: Brought to You By the Letters M, B and T

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: Brought to You By the Letters M, B and T

March 8, 2025

Why People Prefer to Make Anonymous Payments

By Tex Freitag

anonymous payments

In an increasingly digital world, financial transactions have evolved significantly. While traditional banking and payment methods still dominate, a growing number of individuals prefer to make anonymous payments. This trend is driven by multiple ...

Continue reading Why People Prefer to Make Anonymous Payments

March 6, 2025

What Is a Subprime Mortgage?

By Len Penzo

What is a subprime mortgage? Well ... subprime mortgages are for homebuyers with poor or limited credit histories. Typically, this is anyone with a credit score under 620. They're also often the only type of loan available for people with good credit ...

Continue reading What Is a Subprime Mortgage?

March 6, 2025

Lawsuit Loans: How They Work and How to Get One

By Tex Freitag

Lawsuits are costly procedures, to say the least. You must pay your lawyer's legal fees while the case is being fought in court. Then there is the time factor: some lawsuits take months, even years to reach a verdict. And if you're in an accident ...

Continue reading Lawsuit Loans: How They Work and How to Get One

March 5, 2025

Will Refinancing Save You Money? Here’s How to Tell

By Sabado Domingo

Are you considering the best ways to manage your finances while securing reliable financial support options? Lowering loan interest rates can significantly reduce your monthly payments and long-term expenses. Seeking professional advice ensures you ...

Continue reading Will Refinancing Save You Money? Here’s How to Tell

March 4, 2025

10 Reasons Why You Don’t Need a College Degree to Succeed

By Mikey Rox

For your whole life you've been told that you won't get very far without a college education. Well, I'm here to break your heart: they lied. Despite your youthful indoctrination to the contrary, here are some really good reasons why you don't need ...

Continue reading 10 Reasons Why You Don’t Need a College Degree to Succeed

March 4, 2025

Beware the Four Horsemen of Personal Finance

By Len Penzo

four horsemen of personal finance

Reverend Len from the First United Church of Our Lady of Blessed Household Finances is back in his pulpit and I know you all know what that means... Yep. It's time for another homily for my small but faithful congregation! I've already showed ...

Continue reading Beware the Four Horsemen of Personal Finance

March 3, 2025

Black Coffee: Seeing Is Believing

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: Seeing Is Believing

March 1, 2025

The Continuing Chronicles of Elaine, Part 61

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: Some Fun Trips We Had After Moving to West Virginia   Dave and I and our Great Dane Karl  went to Alaska in 1996; June 24 ...

Continue reading The Continuing Chronicles of Elaine, Part 61

February 27, 2025

How Small Businesses Can Cut Costs With Merchant Services

By Sabado Domingo

Merchant services aren't usually something a business loves. After all, it seems a scam to pay for something as integral to your business as receiving and processing customer payments. Worse, plenty of merchant account providers charge exorbitant ...

Continue reading How Small Businesses Can Cut Costs With Merchant Services

February 26, 2025

How Might Your Budget Change After a Spousal Separation?

By Corazon Gritar

budget change after spousal separation

When a marriage ends, it’s not only an emotional transition but a financial one as well. The dynamics of household income, expenses, and savings often shift dramatically. You might find yourself with a different financial outlook, adjusting to a ...

Continue reading How Might Your Budget Change After a Spousal Separation?

February 25, 2025

What Crimes Will Disqualify You From Joining the Military?

By Sabado Domingo

disqualify you from military

As of 2024, the US military has about 1.3 million active personnel. The military enlisted nearly 225,000 new recruits in 2024, which is over 25,000 more than in 2023. Joining the military is a rewarding career path, offering individuals the ...

Continue reading What Crimes Will Disqualify You From Joining the Military?

February 25, 2025

Relax and Unwind! Here Are 10 Ways to Have Fun on a Budget

By Anum Yoon

Ever reach the end of the work week, and you literally just can't handle any more? The days spent at the office can leave us feeling tense and wound so tight that you can almost feel your bones grinding together. But how do you unwind without ...

Continue reading Relax and Unwind! Here Are 10 Ways to Have Fun on a Budget

February 25, 2025

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