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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: An Explosive Situation

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 a busy weekend to attend to, ...

Continue reading Black Coffee: An Explosive Situation

December 4, 2021

Emergency Loans: What Are They and How Can You Get One?

By Sabado Domingo

You might be experiencing a financial emergency right now without enough money saved up to cover the expenses. If that sounds like you, the good news is emergency loans are available to help you with your problem, as they can provide fast funding to ...

Continue reading Emergency Loans: What Are They and How Can You Get One?

December 2, 2021

How to Raise Capital for Starting Your Business

By Sabado Domingo

Every business has a story and inevitable challenges that they had to face when they began their journey. However, businesses that face hardship are often the ones that succeed. While talent, skill, and intellectual abilities are crucial to ...

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December 2, 2021

100 Words On: A Really Sneaky Way to Reduce Your Restaurant Bar Tab

By Len Penzo

According to the National Restaurant Association, 88% of all adults say they enjoy going to restaurants. It's really no wonder. Dining out is considered a relaxing treat by most folks; a great way to escape from the hustle and bustle of a hectic day. ...

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December 2, 2021

8 Ways to Make Your Company Environmentally Friendly

By Sabado Domingo

You, as a business owner, have more power than you may realize to make a change in the environment. These days, there are countless services and products to choose from to help your business. If you want to stand out, you'd do best to choose the ...

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December 1, 2021

4 Presumptuous Gifts that Can Strain the Recipient’s Budget

By Len Penzo

I remember the worst gift I ever received. It was a vacation to the Bahamas that an old girlfriend of mine gave to me. It was one of those too-good-to-be-true ultra-low-cost package "deals" that was exactly that -- too good to be true. Our "hotel" ...

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November 29, 2021

Black Coffee: A Deer in the Headlights

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: A Deer in the Headlights

November 27, 2021

How Not Having A Budget Can Affect Your Finances

By Sabado Domingo

The past couple of years has been extremely tough for most of us, as many people have struggled financially with all the lockdown orders, travel restrictions, managing the fear of getting sick, and scrambling for vaccines. But if there is one ...

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November 25, 2021

Grandfather Says: Thanksgiving Greetings from West Virginia

By RD Blakeslee

Some folks hereabouts have wondered what Grandfather "at home" looks like. Well, here's a scene for you ... It occurs to Grandfather that he looks like a hick in that particular picture. But, as you can see, his living room looks quite ...

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November 25, 2021

The Benefits of Taking a Reverse Mortgage Now vs. Later

By Tex Freitag

There isn't a right or wrong time to get a reverse mortgage but, depending on your personal retirement goals, the earlier you choose to get a reverse mortgage, the greater the potential gain may be down the road. Reverse mortgages allow homeowners ...

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November 24, 2021

10 Things That Today’s Middle Class Can No Longer Afford

By Len Penzo

I was fortunate enough to grow up in a solidly middle-class family. We weren't rich by any means; there were many times when we were forced to really pinch pennies -- but for the most part I never wanted for anything. According to the US Census ...

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November 22, 2021

Black Coffee: The ‘Central Bank Turkeys’ Edition

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 terrific week. ...

Continue reading Black Coffee: The ‘Central Bank Turkeys’ Edition

November 20, 2021

The Top 6 Businesses You Can Start with Low Investment Capital

By Sabado Domingo

financial statements explained

Whenever we hear about the idea of starting a small business, the thought that usually comes to our mind is to invest a sufficient or high amount of money for kickstarting any lucrative venture one could imagine. However, high investment capital is ...

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November 20, 2021

Thinking of Getting a New Car? Keep These Things in Mind

By Corazon Gritar

Getting a new car is an exciting part of life for many people because of the convenience it offers. So it's important to know how to go about it in order make sure you get the most for your money while still sticking to a budget. With that in mind, ...

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November 19, 2021

Trucking 101: 9 Tips to Reduce Detention Time

By Tex Freitag

If you're a trucker, one of the most frustrating things that can happen while you're on the road is getting your truck detained while you're loading. It can be even more frustrating when you feel like there's nothing you can do to stop the ...

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November 19, 2021

100 Words On: Why the US Postal Service Should Take Saturdays Off

By Len Penzo

Until 1912, the United States Postal Service delivered mail on Sundays -- and prior to 1950, the mailman came twice a day. Now, with the USPS expected to suffer a $160 billion deficit over the next decade, maybe Saturday delivery is on the verge of ...

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November 18, 2021

3 Credit Score Myths that Can Keep You from Growing Financially

By Tex Freitag

You learn how critical credit scores are to your quality of life from the moment you enter adulthood. Whether you apply for student loans, credit cards, auto loans, rent, mortgage, and in some cases, a job, your scores play a significant role, as ...

Continue reading 3 Credit Score Myths that Can Keep You from Growing Financially

November 17, 2021

6 Mistakes to Avoid When Looking for Black Friday Deals

By Sabado Domingo

Making online purchases during Black Friday is a great idea, especially if you don't have a car or hate fighting crowds -- but if you're not careful, there are shopping mistakes you can make that are just as bad. In fact, there are plenty of online ...

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November 17, 2021

15 Things That Are Better to Rent Than Buy

By Mikey Rox

Want to enjoy life's finer things without the big investment? Then instead of spending cash to own them outright, consider renting -- especially if you'll only use them infrequently. Renting can often fill a temporary void without creating a new ...

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November 16, 2021

How to Find the Perfect Insurance Policy for Your Home

By Enero Febrero

Imagine the worst-case scenario. You return from work one crazy day to discover that your home burned to the ground, and nothing was spared. And while your house may not burn to the ground, many other factors can make a house unlivable, or severely ...

Continue reading How to Find the Perfect Insurance Policy for Your Home

November 15, 2021

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