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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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A Step-by-Step Guide for Using Most Money Management Software

By Sabado Domingo

When you are new to personal finance, you might rush to buy the best, most robust money management tools. After all, as a rookie, you will need as much help as possible to keep your finances organized and your spending and saving on ...

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November 20, 2020

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 ...

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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 ...

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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. ...

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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 ...

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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 ...

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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. Although ...

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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 ...

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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 ...

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November 11, 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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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November 4, 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 ...

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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 ...

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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? Can ...

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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 ...

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October 29, 2020

What Is a Prepaid Credit Card?

By Len Penzo

A prepaid card offers an easy way for people who want to buy things using plastic -- but without the need for a bank account or credit card. In fact, they're used exactly like a normal credit card, but they rely on funds that are preloaded by you, ...

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October 28, 2020

How to Prepare for Retirement Medical Costs in 4 Easy Steps

By Sabado Domingo

How much should a person save for healthcare and medical expenses in retirement? To give you an idea, a 65-year-old couple retiring in 2020 could expect to spend nearly $300,000 throughout their retirement on these expenses alone. This does not ...

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October 27, 2020

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