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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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10 Great Ways to Avoid Student Loan Debt

By Mikey Rox

When the average student graduates, she's almost $30,000 in the hole. That's some education, all right. More than 44 million students are now up to their caps and gowns in student-load debt -- to the tune of $1.5 trillion. That makes student loans ...

Continue reading 10 Great Ways to Avoid Student Loan Debt

October 19, 2021

A Guide to No-Check Credit Loans

By Sabado Domingo

You might have heard of no-credit-check loans before now. These can be used in the case that you need fast access to cash for an emergency, this could be a car repair, a medical procedure, and so on, in spite of what your credit is like. With ...

Continue reading A Guide to No-Check Credit Loans

October 18, 2021

True Story: What Happens When You Can’t Pay the Restaurant Bill

By Len Penzo

I didn't eat out too often as a kid, but when I did, you can bet I almost always enjoyed it. I remember Dad always used to joke that he didn't have enough money to pay the restaurant bill. "Well, it looks like they're going to make us go into the ...

Continue reading True Story: What Happens When You Can’t Pay the Restaurant Bill

October 18, 2021

Black Coffee: More Market Mayhem

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: More Market Mayhem

October 16, 2021

4 Financial Problems That All Freelancers Need to Think About

By Sabado Domingo

If you're thinking of jumping into freelancing, you need to consider more financial matters than how much you should charge clients and what to spend on your equipment. Here are four financial problems that all freelancers need to think ...

Continue reading 4 Financial Problems That All Freelancers Need to Think About

October 15, 2021

Grandfather Says: Headless Horsemen and Horseless Carriages

By RD Blakeslee

Horseless carriages and headless horsemen go together. Horses really don't pollute the green space much -- garden soil and sparrows make use of it, such as it is. But headless horsemen, in frantic search of money, use horseless carriages, ...

Continue reading Grandfather Says: Headless Horsemen and Horseless Carriages

October 14, 2021

Important Tools and Apps to Help Prepare Your Student for College

By Enero Febrero

When your child is nearing his or her graduation from high school, you probably feel a mix of emotions. You likely are battling the pride of all he or she has accomplished, the amazement that time has gone by so quickly, the worry about all he or she ...

Continue reading Important Tools and Apps to Help Prepare Your Student for College

October 13, 2021

What Is an Independent Sales Organization?

By Tex Freitag

As you start a small business, one of the integral parts will be merchant services. This includes how you will be processing your payments. You will have to find ways to add the options for accepting credit card payments that are provided by ...

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October 12, 2021

How to Get Hired for a New Job Even Though You Have Bad Credit

By Neal Frankle

Finding a good-paying job is never easy. And if you've got some scuff marks on your credit history, the task is even more challenging. Not many employers hire people without first combing through their credit report these days. That's because the ...

Continue reading How to Get Hired for a New Job Even Though You Have Bad Credit

October 12, 2021

9 Things We Routinely Overpay For

By Len Penzo

Nobody likes overpaying for stuff. Even so, many people do it without even realizing it. The good news is, by getting the urge to splurge under control, it's possible to save significant amounts of cash that can be used to stretch your household ...

Continue reading 9 Things We Routinely Overpay For

October 11, 2021

Black Coffee: Carnac and the Cookie Monster

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. This edition brought to you by the ...

Continue reading Black Coffee: Carnac and the Cookie Monster

October 9, 2021

The Best Reasons to Fund Your Business With a Personal Loan

By Sabado Domingo

Having sufficient working capital is essential for every business. But for many business owners, taking out loans is the best way to build enough working capital, buy necessary equipment for daily operations, or cover customer orders and supplier ...

Continue reading The Best Reasons to Fund Your Business With a Personal Loan

October 8, 2021

100 Words On: How to Quit Dreaming and Start Doing

By Len Penzo

Robert Louis Stevenson said that there can be no fairer ambition than to excel in talk. And while that may be true for the dreamers in life, successful people know the world will always depend on doers -- folks who are motivated to follow through and ...

Continue reading 100 Words On: How to Quit Dreaming and Start Doing

October 7, 2021

Why Is Vaping Popularity on the Rise?

By Enero Febrero

Vaping is having a major moment right now. With millions of people accustomed to this habit, the manufacturers and distributors are getting the most out of their investment. Particularly where the US and UK are concerned, vaping generates a strong ...

Continue reading Why Is Vaping Popularity on the Rise?

October 6, 2021

Car Insurance: How to Find the Best Offer

By Sabado Domingo

Finding the best auto insurance provider can be a daunting process. After all, insurance companies seem to always make generous claims that don't always match the reality. When checking offers and policies, you may feel overwhelmed by the number of ...

Continue reading Car Insurance: How to Find the Best Offer

October 6, 2021

5 Tips for Achieving Financial Success Online

By Enero Febrero

Over the past few decades, technological advancements especially in communication technology have brought about numerous changes. These changes have not only affected business and communication, but life in general. A growing number of transactions ...

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October 6, 2021

Top Career Opportunities for Accountants

By Sabado Domingo

Accounting is a pretty competitive career choice; the field is generally associated with high annual incomes, substantial job security, and, of course, a particular level of prestige. But not just that; we all know accountants earn their keep with ...

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October 5, 2021

How to Use Bitcoin While Traveling

By Sabado Domingo

We all love to travel, but exploring a new country with fiat currency can take a lot of effort. Coins and cash weigh down your pockets and on top of that, you need to convert your money. That's why traveling with bitcoin (BTC) is a great option. You ...

Continue reading How to Use Bitcoin While Traveling

October 4, 2021

23 Easy and Creative Ways to Earn Extra Money

By Joel Ohman

No doubt all of us have racked our brains at one time or another to come up with ways to make extra cash. Yes, it's tempting to gravitate towards those get-rich-quick and make-money-overnight offers, but unless you're willing to risk becoming the ...

Continue reading 23 Easy and Creative Ways to Earn Extra Money

October 4, 2021

Black Coffee: The Power of the Purse

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: The Power of the Purse

October 2, 2021

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