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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Beginner’s Guide to Researching Stocks

By Len Penzo

Knowing how to research stocks and make the best selections can go a long way in terms of bolstering your success when trading. There are several steps you can take to research stocks effectively, including narrowing down your focus and learning how ...

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July 10, 2020

How to Successfully Pitch Your Startup Business to Investors

By Tex Freitag

Your business pitch can jump start your dreams -- or send your idea into oblivion. Serious investors get pitched constantly, so you should assume that they're not going to give you a lot of time, which is why it's so important to grab their ...

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July 8, 2020

7 Big Lies About Gold that Wall Street Doesn’t Want You to Know

By Keith Weiner

It's hard to say which lie about gold is the biggest whopper. Many widely held beliefs about gold are lies -- propaganda hammered home to have us believe the only true measure of wealth is government-issued debt. Big Lie #1: Gold is a barbarous ...

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July 7, 2020

Black Coffee: Cooking the Books

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 has a safe and ...

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July 4, 2020

4 Questions to Ask Yourself Before You Make Any Purchase

By Enero Febrero

We live in a consumption-based society. That is, the economy and, by extension, most businesses depend on individuals to make purchases on a regular basis. Unsurprisingly, the average person is bombarded with ads everywhere they go on the bus, on TV, ...

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July 3, 2020

How Much Does a Money Counting Machine Cost?

By Sabado Domingo

Businesses that deal with a lot of cash daily need a cash counter to do the job efficiently. A money counting machine makes your cash opening, counting, and closing procedures quick, saving your staff time that can be spent on other productive ...

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July 2, 2020

A Fun Way to Teach Your Toddler How to Save Money

By Leif Kristjansen

Teaching your kids about finance is important, but take a lesson from me: it's easier the earlier you start. My 3-year-old has been telling me I need to save more. And I write about saving money for a living! In fact, I told her that I needed to ...

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July 1, 2020

5 Product Upgrades and Services That Aren’t Worth Paying Extra For

By Len Penzo

Everybody knows that when it comes to investing, you have to take risks to earn big returns. Likewise, when it comes to saving money, sometimes it pays to push your luck and take a risk too. Unfortunately, many people are so adverse to taking ...

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June 29, 2020

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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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

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