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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Do Payday Loans Have Any Benefits?

By Enero Febrero

Many people take out a payday loan when they have no other way of getting urgent cash. Whether it's a sudden medical bill or overdue rent, payday loans are often the only way to get that financial cushion, short of borrowing from a friend or ...

Continue reading Do Payday Loans Have Any Benefits?

Leave a Comment November 20, 2020

How Do I Choose the Best Secured Credit Card?

By Len Penzo

Not all secured credit cards are created equal. So how can you determine which one is best for you? Here are the most important considerations: Credit reporting. Since the biggest reason for getting a secured credit card is to establish or rebuild ...

Continue reading How Do I Choose the Best Secured Credit Card?

2 Comments November 19, 2020

The Time to Reap Returns Depends on the Investment Type

By Enero Febrero

About half of Americans never invest at all. At least that's what the headlines say. In reality, if you're living and breathing, and have the power of decision-making, you're an investor; you invest your time and money in stuff and pursuits. ...

Continue reading The Time to Reap Returns Depends on the Investment Type

Leave a Comment November 18, 2020

8 Great Ways to Make Money Online

By Sabado Domingo

There are many ways to make money online. Believe it or not, there are plenty of great alternatives out there. Best of all, most of them can easily be set up and run in your spare time, and with little or no initial financial investment. Here are ...

Continue reading 8 Great Ways to Make Money Online

2 Comments November 17, 2020

8 Ways to Keep Your Thanksgiving Meal as Inexpensive as Possible

By Anum Yoon

Thanksgiving is filled with family, friends, good food and football. But it can also be filled with expenses -- especially if you're having Thanksgiving dinner at your house. No need to worry, though. The Thanksgiving holiday also offers ample ...

Continue reading 8 Ways to Keep Your Thanksgiving Meal as Inexpensive as Possible

1 Comment November 17, 2020

Time vs. Money: Are You an Unwitting Financial Time Traveler?

By Len Penzo

I have a voracious appetite for time-travel stories. I absolutely love 'em. One of my all-time favorite television shows, The Twilight Zone, devoted at least five episodes to the subject; I wish Rod Serling had written more of them. With that ...

Continue reading Time vs. Money: Are You an Unwitting Financial Time Traveler?

24 Comments November 16, 2020

Black Coffee: Birds on a Wire

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 good week. ...

Continue reading Black Coffee: Birds on a Wire

16 Comments November 14, 2020

How Do I Choose the Best Cash-Back Credit Card?

By Len Penzo

A cash-back rewards card pays you money for every purchase you make so you'll want to make sure you maximize your dividends by using the following strategies: Compare interest rates and annual fees. Rewards cards typically have higher APRs than ...

Continue reading How Do I Choose the Best Cash-Back Credit Card?

Leave a Comment November 12, 2020

5 Clever Ways to Improve Google Shopping Results

By Sabado Domingo

Almost immediately after Google Shopping evolved into a revolutionary monetized service, professional marketers from many different industries have searched for ways to get the most value from it. Google Shopping basically is a comparison shopping ...

Continue reading 5 Clever Ways to Improve Google Shopping Results

Leave a Comment November 11, 2020

8 Ways to Save on Dental Care Without Insurance

By Mikey Rox

Do you need to get your grill fixed, but don't have dental insurance? You're not alone. More than 100 million US consumers -- that's nearly one-third of the nation's population -- are without access to dental care because of increased costs that ...

Continue reading 8 Ways to Save on Dental Care Without Insurance

8 Comments November 10, 2020

The Ten Commandments of Personal Finance

By Len Penzo

Maybe you heard about that infamous Kelton study that found Americans could identify more ingredients in a Big Mac than the individual Ten Commandments. It's true, folks; 80% of Americans knew there were two all-beef patties in a Big Mac -- but ...

Continue reading The Ten Commandments of Personal Finance

40 Comments November 9, 2020

Black Coffee: The Enemy Within

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. Let's get right to this week's ...

Continue reading Black Coffee: The Enemy Within

13 Comments November 7, 2020

How to Get the Best Home Construction Results

By Simon Devon

When you're considering the development of property that you have been holding onto for a long period of time, it is important that you proceed with caution. There are many companies in the market that simply do not have the experience needed to ...

Continue reading How to Get the Best Home Construction Results

1 Comment November 5, 2020

How Do I Choose the Best Prepaid Credit Card?

By Len Penzo

Not all prepaid cards are created equal. So how can you determine which card is the best one for you? Here are the most important considerations: Usage. The first order of business is to identify exactly how you intend to use the card. For ...

Continue reading How Do I Choose the Best Prepaid Credit Card?

1 Comment November 4, 2020

What Is Forex and Why Is It So Popular?

By Sabado Domingo

With a daily turnover of $6.6 trillion, forex trading is by far the largest financial market in the world. There is a lot of money to be made in the forex market and you can even start your own forex journey without using your own money by utilizing ...

Continue reading What Is Forex and Why Is It So Popular?

7 Comments November 4, 2020

6 Costly Mistakes People Make with Their 401k Plans

By Anum Yoon

If you're interested in saving for retirement, a 401k plan can't be beat. These employer-sponsored plans let employees save tax-free and choose from a range of investment options. The tax-free savings effectively lower your taxable income, which may ...

Continue reading 6 Costly Mistakes People Make with Their 401k Plans

5 Comments November 3, 2020

Money, Freedom, and a Lesson on the Importance of Saving

By Len Penzo

One of money's best characteristics is its ability to bestow freedom upon those who possess it. Unfortunately, the amount of freedom that money provides is directly proportional to the amount of cash available -- not only in our wallet, but in our ...

Continue reading Money, Freedom, and a Lesson on the Importance of Saving

11 Comments November 2, 2020

Black Coffee: A Chicken In Every Pot

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. Election Day is almost here and I need ...

Continue reading Black Coffee: A Chicken In Every Pot

14 Comments October 31, 2020

How Much Money Can You Make Teaching English Online?

By Len Penzo

Can you make money teaching English online? The simple answer is "yes," but first you have to consider the following four questions: How much money do you want to make? How qualified are you? How many hours are you willing to put in? ...

Continue reading How Much Money Can You Make Teaching English Online?

2 Comments October 30, 2020

5 Costly Shopping Habits That Drive My 13-Year-Old Daughter Crazy

By Lenina Penzo

(Editor's Note: This is a guest post from my daughter, Nina. It was originally published on November 19, 2012.) Hi again, everyone! Let me just take the time to start off by saying that my dad has been really busy and he needed to take a day ...

Continue reading 5 Costly Shopping Habits That Drive My 13-Year-Old Daughter Crazy

16 Comments October 29, 2020

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Recent Posts

  • Black Coffee: Stuck in a Tangled Financial Web
  • A Few Thoughts from Aunt Doris: How to Make Ends Meet
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  • Clever Ways to Save Money On Your Next Car
  • 18 Fun Facts About Money That You Probably Didn’t Know
  • Black Coffee: More Pie In the Sky
  • How to Get Fast Approval on Installment Loans
  • Should You Consider A Pre-Settlement Loan In a Personal Injury Case?
  • What Barfing Out of a Bus Window Teaches Us About Managing Money

Disclaimer

This site is for informational and entertainment purposes only, and the content herein should not be mistaken for professional financial advice. In fact, making investment decisions based on information published here, or any other website for that matter, is more than unwise; it is folly. This website accepts advertising in the form of monetary and other compensation; as such, topics of discussion are occasionally influenced by these advertisers. Sometimes, an article may also include affiliate links, meaning, at no additional cost to you, this blog earns a commission if you click through and make a purchase (for example, as an Amazon Associate I earn from qualifying purchases). Remember, you and you alone are responsible for the decisions you make in life, so please contact an independent financial professional for advice regarding your unique personal situation.

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