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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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10 Thankless Low-Paying Jobs That People Often Accept Anyway

By Len Penzo

Almost everybody thinks they're underpaid for what they do. But in reality, there are a handful of select jobs where this claim is especially true. Many years ago, I compiled a list of the 10 most underpaid jobs. The provocative list was a ...

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May 4, 2020

Black Coffee: A Banquet of Consequences

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 as bad as the state of the economy ...

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May 2, 2020

Check Out These 5 Savvy Investments for New Homeowners

By Tex Freitag

Buying a house is one of the most exciting and often one of the biggest purchases a person will ever make. However, this doesn't mean that homeowners should put away their checkbook after the sale is complete. The reality is that individuals can ...

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May 1, 2020

4 High ROI Marketing Practices

By Sabado Domingo

Marketing is a business investment; it is not an expense. Business owners can and should expect to generate revenue as a direct result of their marketing efforts. Still, it's worth remembering that some marketing practices are more effective than ...

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May 1, 2020

Grandfather Says: Some Thoughts on Building a Life-Long Homestead

By RD Blakeslee

Grandfather would like, first off, to do his best to convince young people that they can put their life, fortune and sacred honor into their life-long homestead. It's a state of mind which was the norm as the settlers expanded West in the 19th ...

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April 30, 2020

Saving Money: Five Ways to Trim Your Budget

By Enero Febrero

Saving money is one of the most important ways you can prepare for both the expected and unexpected troubles in life. Everything from a car breaking down to a job loss can be less painful with a little bit of cash saved up. Most financial experts ...

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April 29, 2020

Everything You Need to Know About Forex Trading: A Beginner’s Guide

By Sabado Domingo

Most people have some experience with trading currency at some point during their lives, they just may not have considered it as an investment. With traditionally valuable investments like crude oil and business stocks not faring very well at the ...

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April 27, 2020

How to Properly Plan and Prepare for a Potential Layoff

By Len Penzo

One of my favorite fables attributed to Aesop is The Ant and the Grasshopper. You know the story; the grasshopper spends all summer long partying it up like a rock star while the ant prepares for the coming winter by building a shelter and storing ...

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April 27, 2020

Black Coffee: Less Than Nothing

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 six weeks into the Greatest ...

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April 25, 2020

7 Ways to Save Money on Your Monthly House Expenses

By Sabado Domingo

A mortgage alone can easily devour a third of your monthly income after taxes. But owning a home or other property comes with many additional expenses that, if left unchecked, can push your housing costs into unsustainable territory. The good news ...

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April 24, 2020

100 Words On: Why You’ll Never Get Rich Working for ‘the Man’

By Len Penzo

Many folks who work for others love to complain about the professionally unsatisfying nine-to-five grind of their daily job, yet refuse to change the status quo. That's because the perceived relative safety of their steady job -- and the guaranteed ...

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April 23, 2020

Shop Smarter: A Look at the Price-Matching Policies for 11 Popular Stores

By Mikey Rox

We all want the lowest prices, but not all stores are created equal. To save as much cash as you can, take a look at this big list of your favorite stores' price-matching policies and plan your shopping accordingly. Just remember, policies can ...

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April 22, 2020

Roth 401(k) vs. Roth IRA: What Is the Difference?

By Tex Freitag

Planning for retirement is important, but it can be tricky to understand all of the terms that are used when talking about the different ways you can prepare. In this article, we're going to focus on the similarities and differences between Roth ...

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April 21, 2020

38 Secrets for Financial Success: My Personal Finance Manifesto

By Len Penzo

Awhile back, somebody asked me to summarize my personal finance "playbook" in a blog post. Well ... Here it is: Debt is a form of indentured servitude where people agree to sacrifice a portion of their future earnings in exchange for instant ...

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April 20, 2020

Black Coffee: The Fed Awakens

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 ... the fifth week of ...

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April 18, 2020

4 Tips for Successfully Retiring Abroad

By Sabado Domingo

If you've recently retired, will do so soon, or have been out of the workforce for a while and feel it's now time for a change, you might be considering moving abroad in the coming months. Now, with so many countries facing a health crisis plus ...

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April 17, 2020

Is It Better to Borrow From a Bank or Private Lender?

By Tex Freitag

If you're considering a personal or business loan to get you through a financial hardship, you need to know the difference between a bank and private lender. Many people need financial help from time-to-time, and most commonly this is in the form ...

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April 17, 2020

Grandfather Says: Remembering Grandfather’s Father

By RD Blakeslee

Grandfather says his father has been departed for more than 60 years now (may God rest his soul), but Grandfather well remembers him. He was an honor student in high school and continued that way later, at the Southern Baptist Theological Seminary in ...

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April 16, 2020

The 6 Most Common Ways to Finance a New Car

By Sabado Domingo

There are multiple ways to finance your new vehicle, but be careful: Some are riskier than others and all of them require some discipline and financial planning. So consider these tips and strategies to memory before you think about buying your next ...

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April 15, 2020

Brazilian Hyperinflation: A Reader Explains What Life Was Like

By Leasi

(Readers: In 1990, inflation in Brazil was running at 3000% per year. At that rate, a loaf of bread that cost $3 on New Year's Day would cost $93 by December 31. With that in mind, one of my readers, Leasi, had told me that she lived in Brazil during ...

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April 13, 2020

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