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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Living on Borrowed Time

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: Living on Borrowed Time

January 11, 2025

Should I Pay Off My Mortgage Early?

By Len Penzo

The decision to pay off the mortgage early is always a hotly debated topic. Unfortunately, the question of "should I pay off my mortgage early?" can't be answered easily because everybody's circumstances are different. In fact, there is no right ...

Continue reading Should I Pay Off My Mortgage Early?

January 9, 2025

Investment Risk vs. Reward: 3 Important Strategies to Consider

By Sabado Domingo

When you're interested in investing some of your funds, it's important to consider investment risk vs reward. Of course, that depends on what your feelings are as an investor. For example, you need to consider whether you're someone who is open to ...

Continue reading Investment Risk vs. Reward: 3 Important Strategies to Consider

January 8, 2025

11 Ways to Make Retirement Savings Grow Faster

By Mikey Rox

Want to retire early? The fastest way to do that is to step up your savings game and make your retirement savings grow faster. With that in mind, here are some suggestions for building your retirement fund at a quicker pace. Crunch the ...

Continue reading 11 Ways to Make Retirement Savings Grow Faster

January 7, 2025

8 Misleading Claims People Often Make To Close a Deal

By Len Penzo

The other day I came across an old article that suggested a healthy dose of skepticism was essential when you're watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study ...

Continue reading 8 Misleading Claims People Often Make To Close a Deal

January 6, 2025

Black Coffee: Lying Through Their Teeth

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: Lying Through Their Teeth

January 4, 2025

How to Break a Shopping Addiction

By Tex Freitag

how to break a shopping addiction

Do you find it hard to say no when you're out shopping? Does the urge to buy something, even when you don’t really need it, feel almost uncontrollable? If so, you might be dealing with a shopping addiction. It’s a real issue that many people face, ...

Continue reading How to Break a Shopping Addiction

January 3, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 57

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: A Winter Story:  The Midwife  It was a beautiful, still, early December 1998 morning with 13 inches of new snow; the plows ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 57

January 2, 2025

How to Use Competitive Intelligence to Your Advantage

By Sabado Domingo

When it comes to business, success depends on staying ahead of the competition. The know-how that helps achieve this is competitive intelligence. Whether it is planning a strategy, improving product features or providing better customer service, a ...

Continue reading How to Use Competitive Intelligence to Your Advantage

January 1, 2025

4 Money-Saving Tips for New Homeowners

By Corazon Gritar

Buying a home is a huge achievement, but it can leave many first-time homeowners financially scrambling. For new homeowners, this can unfortunately lead to more financial strife than they're prepared for. Fortunately, there are plenty of ways for ...

Continue reading 4 Money-Saving Tips for New Homeowners

December 31, 2024

The Only New Year Resolution That Really Matters

By Len Penzo

Although 2025 is just getting started, I've already read a plethora of personal finance articles from various experts and self-made suburban millionaires who have been espousing their top new year resolutions. Of course, all of the usual suspects ...

Continue reading The Only New Year Resolution That Really Matters

December 30, 2024

Black Coffee: The Final Countdown

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: The Final Countdown

December 28, 2024

How to Refinance a Mortgage In 7 Easy Steps

By Len Penzo

There is very little difference between getting a mortgage and refinancing it; in fact, the processes are virtually identical. If you've decided that refinancing is right for you, here is a brief overview explaining exactly how to refinance a ...

Continue reading How to Refinance a Mortgage In 7 Easy Steps

December 26, 2024

Are You a Responsible Gambler?

By Sabado Domingo

Are you a responsible gambler? That sounds like an oxymoron, doesn't it? The knee-jerk assumption is to peg all gamblers as irresponsible and careless with their money, but that's not necessarily the case. Think about your hobbies. If you like ...

Continue reading Are You a Responsible Gambler?

December 24, 2024

8 Practical Mindful Money Management Strategies

By Sabado Domingo

money management strategies

Managing money can sometimes feel like a constant battle - especially when it feels like there’s always more month left than money. Many of us are caught in cycles of spending without thinking, overspending on unnecessary things, or making impulse ...

Continue reading 8 Practical Mindful Money Management Strategies

December 23, 2024

Behold the Power of Compound Interest!

By Len Penzo

George Lucas continues to mislead millions of people into believing that the most powerful force in the universe is, well ... the Force. But every successful household CEO knows for a fact that Lucas is dead wrong. That is not surprising at all given ...

Continue reading Behold the Power of Compound Interest!

December 23, 2024

Black Coffee: Pillow Talk

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. Well ... another busy week is behind ...

Continue reading Black Coffee: Pillow Talk

December 21, 2024

Worried About the Family Vision Care Budget? Tips for Parents

By Sabado Domingo

Maintaining healthy eyes is a crucial aspect of overall healthcare, yet family vision care is often overlooked by many Americans. According to industry reports analyzing data from the CDC, 38% of people in the US don't have an eye doctor, and 63% ...

Continue reading Worried About the Family Vision Care Budget? Tips for Parents

December 19, 2024

Myths and Facts About Being Declared Insolvent

By Tex Freitag

facts about being declared insolvent

For many individuals, there is an inordinate fear of the possibility of being insolvent. It often results in anxiety, which can make an individual believe in false information that will make them more anxious. So let's explore some myths and facts ...

Continue reading Myths and Facts About Being Declared Insolvent

December 19, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 56

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: On to France   We went by train from London to Dover and saw the famous white cliffs, and rode a hovercraft which skimmed ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 56

December 19, 2024

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