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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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What Is a 0% Purchase Credit Card?

By Len Penzo

As the name implies, a 0% credit card offers 0% interest on purchases for an introductory time period -- typically from 6 to 12 months. After the intro period expires, any outstanding balances are charged a standard interest rate. Avoid getting a ...

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September 10, 2020

3 Ways to Ensure Your Mortgage Loan Gets Approved

By Enero Febrero

Buying a home is a significant financial investment and it could be potentially stressful because of the long processes involved. Getting your dream house is often a major hassle in itself -- sometimes you'll find a house you love but it won't be ...

Continue reading 3 Ways to Ensure Your Mortgage Loan Gets Approved

September 9, 2020

4 Good Reasons Why Some Quarters Are Painted Red

By Len Penzo

Every once in awhile I'll come across something a bit arcane that will catch my eye and really make me wonder. For example, consider the pattern on the back of this cat: I know; I can't believe it either. I'll never forget the time I ...

Continue reading 4 Good Reasons Why Some Quarters Are Painted Red

September 7, 2020

Black Coffee: Close Enough for Government Work

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. The Labor Day weekend is here! But ...

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September 5, 2020

How Do I Choose the Best Rewards Points Credit Card?

By Len Penzo

There is no magic to selecting the right reward points card. In fact, it basically comes down to just a few basic steps: Identify your most important perk. For example, if you're not interested in traveling, then consider a cash dividends or ...

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September 4, 2020

3 Ways to Save Your Small Business Time and Money

By Sabado Domingo

Nowadays it's not enough to simply offer a good product or service. Small businesses must also be savvy with their finances, learning when to spend and when to save in order to maximize the return on all their investments. If you own a small ...

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September 3, 2020

5 Telltale Signs That You’re Headed for a Credit Crisis

By Sabado Domingo

You don't have bad credit -- yet. However, anyone can make a mistake that leads him or her down the wrong credit path. Fortunately, bad credit isn't usually something that develops overnight; instead, credit errors compile over time to transform a ...

Continue reading 5 Telltale Signs That You’re Headed for a Credit Crisis

September 2, 2020

18 Facts You Didn’t Know About the National Debt

By Len Penzo

I know that Halloween is still more than a month away, but it won't be long before people will once again be looking for ways to scare the pants off unwitting friends and family members. One way to do that without having to dress up like a ghost ...

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August 31, 2020

Black Coffee: Calling Out the Legal Looters

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. Whenever destroyers appear among men, ...

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August 29, 2020

Common Mishaps to Avoid When Holding a Video Conference

By Enero Febrero

In order to be successful, every business meeting should be planned in advance; and a virtual meeting held by video conference is no different than a traditional meeting. This is more important than ever now that COVID has forced most business ...

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August 28, 2020

How to Responsibly Manage Your Betting Bankroll

By Justin Hilbert , Sports Betting Expert

So, you're getting into sports betting. But it isn't as simple as just placing bets on the games you like. Well, I guess it could be, however, you won't be in business for very long. The truth is, you have to exercise more than a modicum of ...

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August 27, 2020

How Do I Choose the Best Air Miles Credit Card?

By Len Penzo

An air miles rewards card are perfect for folks who love to travel and have great credit -- 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 ...

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August 26, 2020

8 Stupid Fees Consumers Hate to Pay (But Often Do Anyway)

By Len Penzo

In this tough economy, businesses of all types continue to nickel and dime us to death with add-on charges. Needless to say, they want you to believe that those fees are necessary to cover the additional costs of doing business; pizza delivery fees ...

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August 24, 2020

Black Coffee: Hope Is Not a Plan

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 ...

Continue reading Black Coffee: Hope Is Not a Plan

August 22, 2020

Is It Possible to Keep Your Finances in Check During COVID?

By Enero Febrero

Finances are usually a fickle subject for many. Some live paycheck to paycheck while others can't even make it that far. Regardless of where you fall on the spectrum, it's probably safe to say that your finances have completely changed from what ...

Continue reading Is It Possible to Keep Your Finances in Check During COVID?

August 21, 2020

How Should I Choose a Student Credit Card?

By Len Penzo

For younger people who are just getting started in life, a student credit card is a terrific way to help establish a positive credit history. The most important consideration in choosing the best one for you depends on how you plan to use it. For ...

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August 20, 2020

From House to Apartment: Downsizing Strategies for Smaller Spaces

By Sean Ryan

Downsizing. The idea conjures images of sad faces carrying boxes of precious items. It's associated with loss, tragedy, and change. But what if you could spin it? Downsizing from a house into an apartment doesn't have to be painful. There are ways to ...

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August 19, 2020

How to Manage Your Real Estate Business Amid COVID-19 Restrictions

By Tex Freitag

As the pandemic continues spreading all over the world, many who own a real estate business are probably wondering what options they have. According to some studies, the peak of the curve happened in May 2020, which means a full recovery could happen ...

Continue reading How to Manage Your Real Estate Business Amid COVID-19 Restrictions

August 19, 2020

Are You Smarter Than a 5th Grader? Calculate This Bill’s Tip

By Len Penzo

By the time kids leave the 5th grade they should know how to calculate simple percentages, which is one of the most critical mathematical tools we have at our disposal after we become adults. Thanks to the longtime custom of tipping, restaurants ...

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August 17, 2020

Black Coffee: Empty Coffers and Sticky Fingers

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. Despite the continuing economic slowdown, ...

Continue reading Black Coffee: Empty Coffers and Sticky Fingers

August 15, 2020

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