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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Welcome to the Beggars’ Banquet

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: Welcome to the Beggars’ Banquet

February 12, 2022

How to Work Out a Budget for Your Hobbies and Stick to It

By Tex Freitag

For many people, hobbies are a great way to wind down and relieve some of the stresses that are common for those who juggle working, families and friendships. Those with lots of commitments may enjoy the chance to do something just for themselves, ...

Continue reading How to Work Out a Budget for Your Hobbies and Stick to It

February 10, 2022

100 Words On: Why Time Is More Valuable Than Money

By Len Penzo

Although you'd never know it based upon the ways people treat time and money, the former is significantly more valuable than the latter because our life here on earth is finite. Yes, time is free; ironically, it's also priceless. That's because we ...

Continue reading 100 Words On: Why Time Is More Valuable Than Money

February 10, 2022

3 Things You Should Know Before Getting a Gun Trust

By Sabado Domingo

Gun trusts seem to be everywhere nowadays. You can't enter an online gun forum or a physical gun shop dealing with tightly restricted weapons without hearing someone discussing them. Using a gun trust is one of many significant decisions to make when ...

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February 9, 2022

The Post-Pandemic Future and the Search for New & Exciting Hobbies

By Tex Freitag

The winter months usually coincide with that particular time of year when most people want to try something new, some fun and exciting hobby or pastime that will reveal to them new forms of entertainment they never knew existed. It is the same kind ...

Continue reading The Post-Pandemic Future and the Search for New & Exciting Hobbies

February 9, 2022

4 Ways to Financially Prepare for a New Car

By Sabado Domingo

Buying a new car is an exciting time in anyone's life, but there's no denying that along with that excitement comes a lot of stress. Most of this stress is because a car is a big expense, which means it will severely impact your finances. However, ...

Continue reading 4 Ways to Financially Prepare for a New Car

February 9, 2022

Should You Become a Pest Control Technician?

By Sabado Domingo

If you want a job where you can protect buildings and their occupants from pests by providing customized services to your clients, a career in pest control may be perfect for you. With the demand for pest control technicians set to increase by 10% ...

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February 9, 2022

A Few Thoughts from Aunt Doris: To Be or Not to Be?

By Aunt Doris

This is another post in an occasional series from my dear Aunt Doris, who passed away in 2015 at the age of 94. Being 92 and never really fully recovered from my stroke, I had to give up my driver's license, which was the biggest blow of ...

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February 9, 2022

4 Great Budgeting Tips For Gen Z and Millennials

By Corazon Gritar

Shortly after ringing in the new year, many Millennials are already struggling to reach their financial resolutions. It's no wonder why; the average debt a typical millennial carries is $47,689, according to a Millennial Money Mindset report. The ...

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February 8, 2022

Why You Need to Organize Your Loan-Repayment Plan

By Enero Febrero

Given the high cost of education for many US students, a student loan is the best chance for acquiring their degrees without too much financial pressure. But, when it eventually gets to paying it off, that's the moment most students are dreading. In ...

Continue reading Why You Need to Organize Your Loan-Repayment Plan

February 8, 2022

What Is a Hedge Fund?

By Sabado Domingo

The use of hedge funds in financial portfolios has grown dramatically since the start of the 21st century. So what is a hedge fund? Well ... a hedge fund is just a fancy name for an investment partnership that has freer rein to invest aggressively ...

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February 7, 2022

The Marriage Conundrum: Joint or Separate Accounts?

By Len Penzo

This past weekend, the Honeybee and I had one of those conversations that most couples who are married long enough tend to have from time to time. But that didn't stop our daughter, Nina, from shaking her head in complete amazement after overhearing ...

Continue reading The Marriage Conundrum: Joint or Separate Accounts?

February 7, 2022

Black Coffee: Standing at the Crossroads

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: Standing at the Crossroads

February 5, 2022

Cash Advances: 3 Things You Need to Know Before Getting One

By Sabado Domingo

Cash advances are very fast and easy to get, especially if you have a credit card. However, not all credit card issuers allow cash advances. Some people think that getting a cash advance is just making a withdrawal from an ATM or a bank, but it's ...

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February 3, 2022

Earn Money at Home: 4 Easy Options!

By Sabado Domingo

Does working from home seem like a dream? After all, when you work from home you can just hop out of bed and start working, rather than getting ready, planning your commute, and socializing with your colleagues. Then again, maybe you're looking ...

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February 3, 2022

Grandfather Says: A Few Words on Religious Conviction

By RD Blakeslee

Grandfather says religious conviction is a funny thing. Not ha-ha funny; wondrous funny. It propelled the Sistine Chapel ceiling, the Spanish inquisition, the Knights Templar and Billy Graham's Crusades ... But its expression is uneven. And ...

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February 3, 2022

Are Utility Tokens Worth the Investment?

By Tex Freitag

Through the years, digital assets have steadily gained more acceptance from the mainstream. Between 2012 and 2021, the value of the bitcoin cryptocurrency rose by a whopping 200,000%! Though volatile, many of these investments have historically ...

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February 2, 2022

4 Kick-Ass Debt Lessons from the Karate Kid

By Ben Edwards

Most of us have been bullied at one time or another as a kid. Perhaps you were called a name or harassed or even hit. This near-universal experience may be one reason why the movie classic known as The Karate Kid resonated with both adults and ...

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February 2, 2022

4 Good Reasons to Read Gold IRA Reviews

By Enero Febrero

Finding the perfect gold IRA company for you can be quite difficult, especially if you're dipping your toe into the gold market for the first time and aren't exactly knowledgeable about gold or gold IRAs. The good news is that educating yourself ...

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February 1, 2022

Falling for This Tax Scam Will Have You Singing an Unhappy (i)Tune

By Corazon Gritar

Tax season is upon us -- and scammers know it. While we'd all like to think we could outwit someone who tries to defraud us, the truth is that these criminals prey on some of our biggest fears and often see substantial results. In fact, the US ...

Continue reading Falling for This Tax Scam Will Have You Singing an Unhappy (i)Tune

February 1, 2022

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