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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Do You Want Fries With That?

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 summer doldrums seem to have hit ...

Continue reading Black Coffee: Do You Want Fries With That?

June 27, 2020

Bad Credit Loans: What You Need to Know

By Sabado Domingo

Typically, your credit history is crucial when getting a loan from different lenders. They will look at the credit history to determine your capacity to repay your loans without delay. In most cases, having good credit increases your chances of ...

Continue reading Bad Credit Loans: What You Need to Know

June 26, 2020

5 Cost-Effective Ways to Deal With Common Problems

By Enero Febrero

Money can solve many problems. Plain and simple, the more capital you have available, the more resources you can draw on and the more help you can get when you encounter difficult issues. The bad news is that many people can't afford to throw money ...

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June 26, 2020

How to Reduce Everyday Spending

By Sabado Domingo

Cutting down monthly spending is something we would all like to do. However, it might not be as difficult as you think. There are many areas of household spending where cuts can be made. Although if you find yourself struggling with one too many ...

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June 25, 2020

6 Valuable Improvements You Should Make Before Selling Your Home

By Sabado Domingo

Making improvements to your home is an exciting venture, you can experiment with different things and unleash your creativity. However, it's important to remember that any home improvements not only increase your home's value for you, but they also ...

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June 24, 2020

4 Financial Tips to Consider Before Becoming a Stay-at-Home Parent

By Len Penzo

Sometimes you just can't put a price on things -- and the intangible benefits of a stay-at-home parent is certainly one of them. At least it is to me. According to the latest data from the US Census Bureau, there are approximately 11 million ...

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June 22, 2020

Black Coffee: Okay, Boomer …

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 ...

Continue reading Black Coffee: Okay, Boomer …

June 20, 2020

Tips for Protecting Yourself from Investment Fraud

By Tex Freitag

Becoming a victim of securities fraud is a serious and devastating matter. The market is known to fluctuate, and especially in light of the impact of COVID-19, you may not realize that it isn't the economic roller coaster impacting the growth of your ...

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June 19, 2020

What Everyone Needs to Consider Before Taking Out a Title Loan

By Enero Febrero

If you are thinking of taking out a loan, you need to decide what type of loan is best suited to your needs. Depending on your income, credit score, and circumstances, you may find that you are not eligible for all types of finance. For instance, if ...

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June 17, 2020

Is It Really Worth Trying to Retire a 30-Year Home Loan in 15?

By Len Penzo

When it comes to the great mortgage debate, I've already explained my position regarding 15- and 30-year loans: 30-year loans are better for a multitude of reasons. In fact, I think it's a no-brainer. But does it make financial sense to pay that ...

Continue reading Is It Really Worth Trying to Retire a 30-Year Home Loan in 15?

June 15, 2020

Black Coffee: Honest Money & Dishonest Men

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. For most people on Main Street, the ...

Continue reading Black Coffee: Honest Money & Dishonest Men

June 13, 2020

How to Stretch Your Dollar Further While on a Budget

By Sabado Domingo

For many people, budgeting is essentially synonymous with "sacrifice." Indeed, it can sometimes seem like the only way to effectively budget and get out of debt is to give up all non-essential purchases. Yet, non-essential spending can provide people ...

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June 12, 2020

3 Simple Ways Busy People Keep Control of Their Finances

By Tex Freitag

When you work hard for every dollar you earn and do your best to save every cent each month, it's important not to lose money on overdue fees. Apart from the cost of such fees, not paying invoices on time can lead to more dire consequences, such as ...

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June 10, 2020

When Good Personal Finance Practices Go Too Far

By Len Penzo

If a little is good, then it follows that more must be better. Well, okay, maybe not all the time. Take coupons, for instance. Clipping coupons to save money on groceries is a sensible idea. But so-called extreme couponing takes this otherwise ...

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June 8, 2020

Black Coffee: A Look Back at How We Got Into This Mess

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. Stop the world; I want to get off. ...

Continue reading Black Coffee: A Look Back at How We Got Into This Mess

June 6, 2020

How to Incorporate Gold In an Investment Portfolio with ETFs or Cashgold

By Tex Freitag

People have diverse reasons for including an investment instrument in their portfolio, whether stocks, precious metals like gold, bonds, or any other investment vehicles. Investment goals influence decision making because what Investor A finds ...

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June 5, 2020

4 Reasons Why Electricity Prices Are Rising in Australia

By Tex Freitag

It has been more than a century since Australia began supplying electricity to its local populace. Melbourne was the first city to build a power station, illuminating the city's streets. At the turn of the century, nearly all streets in Australia ...

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June 3, 2020

What I Learned from the Worst Vacation of My Life

By Len Penzo

Summer is almost here and many people are gearing up for another vacation season full of fabulous food and frolicking fun in the sun with friends and family. With that in mind, I thought it would be a kick to relive the worst vacation of my entire ...

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June 1, 2020

Black Coffee: Getting the Rubber Glove Treatment

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 heard somebody the other day say the ...

Continue reading Black Coffee: Getting the Rubber Glove Treatment

May 30, 2020

How Small Businesses Can Move Beyond Niche Appeal

By Sabado Domingo

financial statements explained

Finding the right niche can be extremely beneficial for a growing business. Indeed, many startups and small businesses strive to identify and service a niche in their industry in order to consolidate their position and establish a reliable source of ...

Continue reading How Small Businesses Can Move Beyond Niche Appeal

May 29, 2020

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