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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: The Fed Is Flying Blind

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: The Fed Is Flying Blind

April 23, 2022

How to Expand Your Trucking Business

By Sabado Domingo

The trucking business is a complex and highly competitive business; it's not enough to just drive from one destination to the next, delivering loads to waiting customers. With that in mind, the more you understand about the business and the more ...

Continue reading How to Expand Your Trucking Business

April 22, 2022

6 Personal Finance Tips for College Grads

By Tracie Johnson

If you are a graduate - or graduating soon - and haven't started planning your finances yet, your head may be spinning with a dizzying array of information. Many people often struggle to find their financial footing following graduation, leading to ...

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April 22, 2022

6 Ways to Extend Your Gaming Budget

By Tex Freitag

With inflation pinching wallets everywhere, finding a way to stretch your budget is more important than ever. Unfortunately, a budget is like a rubber band - you can stretch it a long way, but eventually it will break. Of course, it's one thing to ...

Continue reading 6 Ways to Extend Your Gaming Budget

April 21, 2022

100 Words On: A Surefire Way to Beat the Lottery

By Len Penzo

I realize I've made this point before but, come on, talk about a sucker's bet: The odds are before you ever strike it rich playing the lottery you'll most likely be struck by lightning. Twice. Now consider this: Over a ten year period, somebody who ...

Continue reading 100 Words On: A Surefire Way to Beat the Lottery

April 21, 2022

5 Ways to Make Your Car Insurance Cheaper

By Sabado Domingo

At the moment, the things we know that are infinite includes -- the universe, human stupidity and, of course, the rise in auto or car insurance premiums. According to insurance agent Evelia Mascareno, every year auto insurance rates increase ...

Continue reading 5 Ways to Make Your Car Insurance Cheaper

April 20, 2022

5 Things Everybody Should Do Before Applying for a Mortgage

By Tex Freitag

Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy? Applying for a mortgage is never an easy job. You can't change your income or credit history ...

Continue reading 5 Things Everybody Should Do Before Applying for a Mortgage

April 19, 2022

5 Ways to Ensure You’ll Always Have Enough Money for Auto Repairs

By Enero Febrero

Preparing for possible car repairs is part of owning a vehicle. But with rising costs, this part of car ownership can become stressful. Even so, it is still possible to cut down on your auto repair expenses. With that in mind, here are some helpful ...

Continue reading 5 Ways to Ensure You’ll Always Have Enough Money for Auto Repairs

April 18, 2022

What Girl Scout Cookies Can Teach Us About Mortgages

By Len Penzo

I love this time of year because the Girl Scouts in my area are out selling their cookies. Of course, that means they'll soon be knocking on my door -- and I'll once again spend 10 minutes agonizing between the Thin Mints, Do-Si-Dos and Caramel ...

Continue reading What Girl Scout Cookies Can Teach Us About Mortgages

April 18, 2022

Black Coffee: From Soup to Nuts

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: From Soup to Nuts

April 16, 2022

Replace Your Roof Now and Recoup That Money When You Sell!

By Corazon Gritar

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Research shows that people move an average of 12 times in their lifetime. So, if you are selling your house, replacing your roof can be a great way to recoup some of the money you've invested in your home. Roof replacement costs vary greatly ...

Continue reading Replace Your Roof Now and Recoup That Money When You Sell!

April 14, 2022

Grandfather Says: The Early Birds

By RD Blakeslee

The following is a true story, only names are changed to protect the guilty. Grandfather used to be visited by Clyde and his wife Penelope, from time to time. They always showed up early, before Grandfather was ready for them and Grandfather had ...

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April 14, 2022

4 Key Points Everyone Should Consider Before Hiring an Attorney

By Sabado Domingo

There are more than one million licensed attorneys within the United States. So having to choose one great reasonably-priced attorney out of such a massive population may seem just as impossible as finding a tiny needle within a tower of haystacks. ...

Continue reading 4 Key Points Everyone Should Consider Before Hiring an Attorney

April 13, 2022

5 Smart Practices That Will Help Your Small Business Thrive

By Sabado Domingo

The thing that makes many small business owners worry the most is failing within the first few months of operation. When that happens, the owners are usually left wondering how they could have made more money and attracted more customers - and why ...

Continue reading 5 Smart Practices That Will Help Your Small Business Thrive

April 12, 2022

3 Tips for Getting the Best Price On a Used Car

By Corazon Gritar

When your car starts costing you more money than it's worth, it's probably time to get a new one. You don't necessarily have to get a new car, but it will definitely be new to you. Buying a used car can be a great way to save money and find a ...

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April 12, 2022

7 Questions That Customers Are Rarely Asked Anymore

By Len Penzo

It's hard for me to believe, but I turned 58 years old this year. I know, I don't look a day over 70. When I was a young boy, I thought people in their fifties were ancient. Perhaps they are; but I don't feel ancient. In fact, with only a few minor ...

Continue reading 7 Questions That Customers Are Rarely Asked Anymore

April 11, 2022

Black Coffee: Off to the Races

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: Off to the Races

April 9, 2022

100 Words On: Why Financial Freedom Requires Very Little Money

By Len Penzo

Don't fall into the trap of thinking that one has to be "rich" to attain financial freedom. There are lots of people earning millions per year who aren't financially free, just as it's also true that there are folks earning less than $50,000 annually ...

Continue reading 100 Words On: Why Financial Freedom Requires Very Little Money

April 7, 2022

Business 101: What Does ‘LLC’ Mean and Why Is It Important?

By Enero Febrero

The inclusion of the letters "LLC" in the name of a company is a public declaration that the company is a type of corporation operating as a legal entity, separated from its owners. Because of this critically important separation, the company's ...

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April 6, 2022

6 Ways Procrastinating Hurts Your Finances

By Mikey Rox

Lots of people live by the procrastinator's creed: Why do today what you can put off until tomorrow? You might even be one of them. But while this practice seems innocuous enough, it's actually costing you an embarrassing amount of money. Here ...

Continue reading 6 Ways Procrastinating Hurts Your Finances

April 5, 2022

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