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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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4 Things Everyone Should Know About Corporate Finance Lawyers

By Enero Febrero

Corporate finance is basically what makes the world go around, and every day there are hundreds of thousands of transactions between different corporations and commercial operators. When you have high numbers or transactions and a lot of money ...

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November 27, 2024

Holiday Parties: 5 Host Gifts That Won’t Break the Bank

By Corazon Gritar

The holiday season is upon us, and soon you'll begin receiving invitations for holiday parties. While holiday parties are part of what makes this time of the year so wonderful, they can also take a massive toll on your savings account. From buying ...

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November 26, 2024

Is Earthquake Insurance Worth It?

By Len Penzo

When it comes to living in Southern California, earthquakes are a part of life. But don't be fooled: Earthquakes can happen anywhere. With that in mind, many people often ask me: Is earthquake insurance worth it? Thankfully, after 35 years of ...

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November 25, 2024

Black Coffee: A Lesson In Creative Accounting

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 had a wonderful week. ...

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November 23, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 54

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: Trip to Alderney, English Channel Islands; A Dream Come True Ellen and I planned this trip, studying travel catalogs from ...

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November 21, 2024

A Day in the Life of a Low Performer

By Paula Pant

A few months ago I read an interesting analogy in the book Talent is Overrated, by Geoff Colvin. The average low performer runner, says the author, thinks about anything besides than the painful fact that he's running. Elite runners, by contrast, ...

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November 20, 2024

How to Budget for Comprehensive Home Remodels

By Corazon Gritar

Embarking on a comprehensive home remodel is an exciting opportunity to transform your living space into the home of your dreams. However, without proper budgeting, costs can quickly spiral out of control. Knowing what to expect financially and how ...

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November 19, 2024

How to Find a Low-Cost Pest Control Company That Won’t Rip You Off

By Anum Yoon

Eventually, pests happen. Whether it's a rat or rodent infestation, a serious bug problem or something more serious like termites, you will need to hire a professional pest control company. In most cases, you can rely on them to rid your home of a ...

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November 19, 2024

5 Tips for Avoiding Buyer’s Remorse (That I Learned the Hard Way)

By Len Penzo

I think it's safe to say that, like the common cold, almost all of us occasionally suffer from buyer's remorse. Of course, avoiding buyer's remorse is everyone's goal; but nobody's perfect. So today, against my better judgment, I'm going to share my ...

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November 18, 2024

Black Coffee: Income & Outgo

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. Well ... another busy week is behind ...

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November 16, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 53

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: I’ve looked back sometimes at minor little road scares and have been thankful that I made it through nine winters on mountain ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 53

November 14, 2024

6 Ways to Save Money Despite Living Paycheck to Paycheck

By Sabado Domingo

If you've been living paycheck to paycheck, starting a savings account might seem like an impossible feat. However, there are things you can do to save money, even if it's only a little bit at a time. For example: Shop Smarter One major reason why ...

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November 13, 2024

How to Protect Your Financial Data During the Holiday Shopping Hustle

By Mikey Rox

With all the fun and excitement the holidays bring, the last thing you want on your mind is if somebody is robbing you blind out in cyberspace. Guard yourself when shopping online during the holiday shopping hustle by following these six helpful tips ...

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November 12, 2024

Audit vs. Review vs. Compilation: Financial Statements Explained

By Sabado Domingo

business statements with pen and calculator

Financial statements are extremely important in understanding whether or not a business has performed according to the standards or expectations. An understandable and accurate statement will also help figure out its financial position, as well as ...

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November 11, 2024

The Secret to Financial Freedom on a Modest Income

By Len Penzo

Earlier this summer my teenage son revealed to me and the Honeybee that he has a girlfriend. Yes, it's his first one. And as every guy who has ever dared to play the game of love knows, courting the fairer sex requires a suitor to spend a little ...

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November 11, 2024

Black Coffee: A November Siesta

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 had an enjoyable week. ...

Continue reading Black Coffee: A November Siesta

November 9, 2024

Your Retirement Fund: Avoiding Common Withdrawal Pitfalls

By Tex Freitag

Retirement represents a significant milestone, offering an opportunity to enjoy the results of a lifetime of hard work. However, managing your retirement fund wisely is essential to ensuring long-term financial stability. This is because there are ...

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November 8, 2024

Hidden Fees to Watch Out for When Financing Your Next Car

By Sabado Domingo

hidden fees to watch out for

Buying a new or used car is an exciting experience, but financing it can be a complex process filled with potential pitfalls. After all, there are plenty of hidden fees to watch out for! While focusing on the interest rate and loan term is essential, ...

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November 8, 2024

What Is Mortgage Refinancing and Why Should I Consider It?

By Len Penzo

When you refinance your mortgage, you typically pay off the existing loan and create a new one. However, if you have a primary and secondary mortgage, you can refinance by consolidating both of them into a new loan too. So what is mortgage ...

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November 7, 2024

What If I Don’t Want to Wait 30 Years for My Investment to Pay Off?

By Tex Freitag

There are loads of people in the US who don't invest in stocks. And while there are hundreds of reasons why this might be so, we're going to limit ourselves to just one: Time. Nobody wants to wait 30 years for their investment to pay off. But it ...

Continue reading What If I Don’t Want to Wait 30 Years for My Investment to Pay Off?

November 6, 2024

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