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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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100 Words On: Why Laziness Is Usually Someone Else’s Fault

By Len Penzo

A man had two dogs: a hound, to assist him in hunting, and a housedog, who simply laid around the house. After a good day's hunt, he always gave the housedog a large share of his spoil. One day, the hound, feeling much aggrieved at this, reproached ...

Continue reading 100 Words On: Why Laziness Is Usually Someone Else’s Fault

May 28, 2020

5 Simple Tips for Getting a Loan with Bad Credit

By Enero Febrero

If you've found yourself in a financial pickle lately and are wondering if you will be able to get a loan on bad credit or not, then you're not alone. While getting a loan is a much easier process when you have a good credit score, it can be ...

Continue reading 5 Simple Tips for Getting a Loan with Bad Credit

May 26, 2020

Black Coffee: A Thief In the Night

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. We're now ten weeks into the Greatest ...

Continue reading Black Coffee: A Thief In the Night

May 23, 2020

How to Avoid ATM Fees

By Sabado Domingo

Looking to avoid paying those pesky ATM fees? Here are some of our favorite ways to avoid them or get reimbursed for unwanted fees: Bank-owned ATMs One of the most straightforward ways to avoid paying fees at the ATM is to use the machines ...

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May 22, 2020

A Quick Reference Guide to Getting Out of Debt

By Tex Freitag

Nobody wants to be in debt -- although the sad truth is that millions of people are buried under a mountain of it. Unfortunately, owing a lot of money to many creditors causes problems -- not only for your personal finances, but also your ...

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May 22, 2020

Don’t Go Chasing Waterfalls: Is Flood Insurance Worth It?

By Tex Freitag

The entire cost of natural disasters in the US in 2019 was estimated at over $40 billion. Floods are one of the biggest contributors to this -- especially in areas prone to flooding. If you live in such an area, flood insurance is certainly something ...

Continue reading Don’t Go Chasing Waterfalls: Is Flood Insurance Worth It?

May 21, 2020

100 Words On: Why It Pays to Sleep on It Prior to a Big Decision

By Len Penzo

When youre facing an important financial decision, theres something to be said about taking a night to think it over. That's because, when it comes right down to it, most financial decisions aren't emergencies -- although a lot of folks might think ...

Continue reading 100 Words On: Why It Pays to Sleep on It Prior to a Big Decision

May 21, 2020

5 Reasons to Have a Side Job In Your Spare Time

By Enero Febrero

Despite rising unemployment due to the recent coronavirus shutdown, there are still more than 150 million people working in the United States -- and most of them will change jobs between five and seven times during their lifetime. This means that, ...

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May 21, 2020

How Do Solar Loans Work? Here’s a Simple Guide

By Tex Freitag

Are you passionate about the environment? Do you yearn to make your home even greener, utilizing renewable sources of energy to not only lower your energy bill but also reduce your carbon footprint? If so, then you need to consider installing ...

Continue reading How Do Solar Loans Work? Here’s a Simple Guide

May 21, 2020

How to Save Money on Taxes: 7 Tips Everyone Should Know

By Sabado Domingo

Few things are as painful as seeing money from your hard-earned paychecks go into taxes. But yet, it's a pain that we have to endure every year during tax season. As Mark Twain once said, "nothing in life is certain but death and taxes." Although ...

Continue reading How to Save Money on Taxes: 7 Tips Everyone Should Know

May 20, 2020

Simple Fundraising Tips and Tricks for Beginners

By Sabado Domingo

Fundraising plays a vital role in the way we support causes for public interest, health advances, and various charities. If you want to help a charity or cause that's important to you, you'll need to know how to fundraise effectively. Thankfully, ...

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May 20, 2020

Can an Unwed Spouse Be Put on Insurance Policies as the ‘Named Insured’?

By Sabado Domingo

The ongoing pandemic has made one fact clear: No matter how much we earn, it's extremely important to manage our personal finances in an efficient manner. The spectrum of the insurance industry is so vast that it is hardly possible for an individual ...

Continue reading Can an Unwed Spouse Be Put on Insurance Policies as the ‘Named Insured’?

May 19, 2020

21 Reasons Why Corner Lots Are For Suckers

By Len Penzo

For the six people left in America who are still looking to buy a home, I thought I'd pass on a little advice and save you a serious case of buyer's remorse. Don't be fooled by real estate agents who try to tell you that a corner lot is highly ...

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May 18, 2020

Black Coffee: America’s Dirty Little Secret

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. And so it goes ... we're almost two ...

Continue reading Black Coffee: America’s Dirty Little Secret

May 16, 2020

9 Legitimate Ways to Get Fast Cash If You Need Money Now

By Sabado Domingo

Now more than ever, millions of people are in need of quick cash to pay for emergencies, cover their bills, or even buy food. While that is pretty bleak, there are also now more ways to make quick money than ever before. With that in mind, here ...

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May 15, 2020

Grandfather Says: There Is No Escape From the Present

By RD Blakeslee

It's highly unfashionable -- if not downright politically incorrect -- to live in the past, but Grandfather doesn't think so. He believes US civilization reached its zenith in the third quarter of the twentieth century, when the nation was unified ...

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May 14, 2020

How to Trade the EUR/USD

By Enero Febrero

The foreign exchange market is the most liquid of the capital markets with approximately $5 trillion in notional value traded every day. Currency trading occurs around the clock, active 24 hours a day, six days a week. The most liquid currency pairs ...

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May 14, 2020

How Your Credit Report Can Help Raise Your Credit Score

By Enero Febrero

There are many advantages that come from tracking your credit report. If you're wondering, "How can get my free credit report?" the answer is simple: There are many online resources you can use to get a current copy of your report. This can be one of ...

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May 13, 2020

Is It Time to Begin Investing in eSports?

By Tex Freitag

Video games are seen by many as a flippant, childish matter, a pastime for youngsters. The gaming industry is, in turn, a massive business generating multi-billion dollar revenues. And one of its branches -- competitive gaming or eSports -- is ...

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May 13, 2020

What to Consider When Trying to Get a Car Loan with Bad Credit

By Sabado Domingo

Anyone who has ever had a bad credit history and low credit score will know just what a serious impact it can have on their futures. When your credit is damaged, you may struggle to get any form of finance from mainstream lenders, and this includes ...

Continue reading What to Consider When Trying to Get a Car Loan with Bad Credit

May 13, 2020

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