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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Black Coffee: America’s Coming ‘Eat Your Peas’ Moment

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. Summer is in its waning days, and for ...

Continue reading Black Coffee: America’s Coming ‘Eat Your Peas’ Moment

September 12, 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

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

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 ...

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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 ...

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August 21, 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 ...

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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

How to Launch Your Own Business as a Student

By Enero Febrero

Many of the most successful businesses we know started in colleges; Facebook, Dell, Insomnia Cookies, and dozens of world-class brands were once just random ideas written down into a textbook on a campus. Starting your business as a student may be ...

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August 14, 2020

5 Things Everyone Should Do Before Applying for a Mortgage

By Sabado Domingo

Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy? Applying for a mortgage is never an easy job. You can't change your income or credit history ...

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August 13, 2020

5 Ways to Enjoy Free Family Travel with Credit Cards

By Enero Febrero

Using your credit cards to earn reward points for travel is a legitimate and easy way to see the world with your family. In addition to flying, the reward points can help families cut costs with their hotel, rental car and meals. Here are several ...

Continue reading 5 Ways to Enjoy Free Family Travel with Credit Cards

August 13, 2020

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