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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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 ...

Continue reading 3 Simple Ways Busy People Keep Control of Their Finances

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 ...

Continue reading When Good Personal Finance Practices Go Too Far

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 ...

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

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 ...

Continue reading 4 Reasons Why Electricity Prices Are Rising in Australia

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 ...

Continue reading What I Learned from the Worst Vacation of My Life

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 ...

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May 29, 2020

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 ...

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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 ...

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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 ...

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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 ...

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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

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