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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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8 Tips on How to Love Your Life and Not Focus on the Joneses

By Mikey Rox

What is the root of all evil? Some think it's greed while others believe it's envy. They often go hand-in-hand, but neither brings personal satisfaction. To find true happiness, we must look within instead of coveting that of others. Here's ...

Continue reading 8 Tips on How to Love Your Life and Not Focus on the Joneses

September 21, 2021

5 Strategies for Protecting Your 401(k) Savings from Economic Collapse

By Len Penzo

After more than a decade of the Fed's reckless monetary policies -- in particular, persistent near-zero interest rates and their relentless de facto currency-printing campaign better known as "quantitative easing" -- the financial system has been so ...

Continue reading 5 Strategies for Protecting Your 401(k) Savings from Economic Collapse

September 20, 2021

Black Coffee: A Lack of Financial Horse Sense

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: A Lack of Financial Horse Sense

September 18, 2021

5 Ways to Improve Daily Operations For Your Business

By Sabado Domingo

Who doesn't want to improve their business operations? Retail stores, product manufacturers, and digital solution providers all work in different segments. Yet, they share the same core strategy that comes with running a business. Regardless of what ...

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September 17, 2021

4 Ways to Cut Your Expenses and Reduce Your Cost of Living

By Sabado Domingo

Living can be expensive. Fortunately, there are more than a few ideas that you can take advantage of to make living more affordable. Here are four financial tips that can help reduce your expenses. 1. Track Your Spending Habits Tracking your ...

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September 16, 2021

Grandfather Says: One Good Thing About Getting Old

By RD Blakeslee

One good thing about getting old -- and there aren't many -- is that you can blame a whole lot of things on your age: Miss your aim at the toilet ... Forget to pay at the gas pump ... Tell the cop you're staggering because of "the shakes" ...

Continue reading Grandfather Says: One Good Thing About Getting Old

September 16, 2021

4 Good Reasons Why You’re Overspending (and How to Stop It)

By Tex Freitag

During the second quarter of 2021, household debt in the United States jumped from $313 billion to $15 trillion. Credit card debt, in particular, rose to $787 trillion -- $17 billion higher than the previous quarter. This spike shows that it's more ...

Continue reading 4 Good Reasons Why You’re Overspending (and How to Stop It)

September 15, 2021

4 Smart Financial Tips for Successful Property Investing

By Delan Cooper

If you are moving to Australia and would like to make a living off of property investment or starting a real estate business, there are many steps that you need to take in order to make this a success. Investing in properties is more than just ...

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September 15, 2021

How To Grow Your Businesses In A Post-Brexit Economy

By Enero Febrero

financial statements explained

Knowing how to grow your business following Brexit is essential. Both for business growth and financial maintenance, there are certain steps you can take to ensure that you don't face any major difficulties when it comes to aligning with new rules ...

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September 14, 2021

How I Manage My Finances In Just 15 Minutes Every Month

By Jim Wang

I'm not afraid of hard work; I'm deathly afraid of dumb work. I hate waiting in lines, I hate doing the same thing over and over again, and I hate doing something slow if there's a faster way to go about it. The engineer in me goes absolutely ...

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September 14, 2021

18 Bizarre Facts You Probably Didn’t Know About the $2 Bill

By Len Penzo

Not too long ago I had to mosey on down to my local hardware store because I needed propane for my barbecue grill. The total price for the refill came to $17.96. At first I tried to pay with a credit card but, for some reason, their machine was on ...

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September 13, 2021

Black Coffee: More Cowbell

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: More Cowbell

September 11, 2021

3 Ways to Obtain Loans for Your Small Business

By Enero Febrero

Small business owners often think that raising capital is necessary for business expansion; however, the key metric for growing business operations is the amount of money available to mitigate financial risks arising from unforeseen events and ...

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September 9, 2021

7 Important Considerations for Every Prospective Home Buyer

By Enero Febrero

Buying property is expensive, which is why most people have to work a long time before they earn enough money for their dream home. Of course, before one can find their dream home, they usually have to search through hundreds of homes to find a ...

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September 8, 2021

5 Ways to Make Your Final Working Years Before Retirement Really Count

By Mikey Rox

According to leading psychologists, it's important to start planning for the transition to retirement three to five years ahead of your retirement date. You can set yourself up for retirement success by considering these five factors: Volunteer ...

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September 7, 2021

18 Hacks for Saving Money When Buying Auto, Home, and Life Insurance

By Len Penzo

Those who fail to plan, plan to fail. And like it or not, planning for the unexpected by being properly insured is a big part of being financially responsible. That's because people who try to save a few bucks by not buying insurance can quickly end ...

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September 6, 2021

Black Coffee: Pawns on the Chessboard

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: Pawns on the Chessboard

September 4, 2021

Your Personal Finance Horoscope

By Len Penzo

In order to help my readers divine their nearer-term futures with respect to money and personal finance, I recently decided to try my hand at astrology. So I studied up, bought some star charts, took some lessons and evaluated the ephemeris as ...

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September 2, 2021

Grandfather Says: What’s The Value of a Song?

By RD Blakeslee

Grandfather says he doesn't have much use for a lot of modern stuff, but he likes electronic keyboards. He has a lovely Steinway grand piano in his living room; a relic of earlier times and people in his life. But he can't play it. A ...

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September 2, 2021

The Trick to Making Smarter Spending Decisions

By Tex Freitag

We all have our own ways of justifying purchases, whether we're trying to convince ourselves that a new car is essential, or that new boots are a just requirement with winter around the corner. However, what if there was a way you could look at your ...

Continue reading The Trick to Making Smarter Spending Decisions

September 1, 2021

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