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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Grandfather Says: The Continuing Chronicles of Elaine, Part 63

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: More about pets We brought Heidi with us when we moved to Union from Warrenton. Great Danes aren’t known around Union, and some ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 63

March 27, 2025

A Primer on Bankruptcy Options and Potential Tax Liabilities

By Sabado Domingo

So, you are struggling financially and are curious about bankruptcy options. You've heard the rumors about those who have filed and prospered. You've also heard the tales about those who have filed and failed. Whatever the case may be, you want to ...

Continue reading A Primer on Bankruptcy Options and Potential Tax Liabilities

March 26, 2025

How to Prepare for a Job Interview and Walk Away a Winner

By Mikey Rox

You did it! You finally landed that coveted job interview. The hard part is over, but now another major challenge is on the horizon: the actual interview. For those who are wondering how to prepare for a job interview, read on to learn how to go ...

Continue reading How to Prepare for a Job Interview and Walk Away a Winner

March 25, 2025

Money Lessons for Kids: Teaching My Son About Payback Periods

By Len Penzo

The other day my 14-year-old son, Matthew, was really trying to sell me on his wish for the latest PlayStation video game console this Christmas. Never mind that he owns an XBox system that is in perfect working order, mainly because he got that as a ...

Continue reading Money Lessons for Kids: Teaching My Son About Payback Periods

March 24, 2025

Black Coffee: Changing the Rules

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. ...

Continue reading Black Coffee: Changing the Rules

March 22, 2025

Scale Your NP Practice with Confidence: Mastering the Basics

By Enero Febrero

healthcare on a budget

Nurse practitioners (NP) are increasingly stepping into the entrepreneurial world, opening their own practices to meet growing healthcare demands. However, success in clinical care doesn’t automatically translate into success in business. The ...

Continue reading Scale Your NP Practice with Confidence: Mastering the Basics

March 21, 2025

5 Payment Card and E-Wallet Management Tips for First Jobbers

By Enero Febrero

e-wallet management

Landing your first job is a crucial milestone that not only jumpstarts your career, but also fulfills your financial goals. This is because having a source of income can significantly boost your cashflow. And that allows you to budget better, save, ...

Continue reading 5 Payment Card and E-Wallet Management Tips for First Jobbers

March 20, 2025

How to Get Preapproved for a Mortgage

By Len Penzo

The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of your dreams. In short, preapproved homebuyers are far more attractive to sellers than shoppers who ...

Continue reading How to Get Preapproved for a Mortgage

March 20, 2025

5 Online Side Hustles You Can Start with Minimal Investment

By Sabado Domingo

ads for your side hustle

These days, earning money isn't limited to a traditional 9-to-5 job. With the rise of digital platforms, more people are exploring passive income ideas that provide flexibility, financial independence, and long-term wealth. The best part? Many online ...

Continue reading 5 Online Side Hustles You Can Start with Minimal Investment

March 19, 2025

3 Financial Building Blocks That All Parents Should Teach Their Kids

By Enero Febrero

No one is born knowing about money, and some people don't figure it out at any point during adulthood. That's understandable when you're taught about basic financial building blocks as a child. Readers of Len's blog have taken it upon themselves to ...

Continue reading 3 Financial Building Blocks That All Parents Should Teach Their Kids

March 19, 2025

How Home Crowdfunding May Let Millennials Live the American Dream

By Corazon Gritar

American millennials are making the news once again. This time, it's because the demographic as a whole can't afford to purchase homes. According to a survey by Apartment list, a staggering 80% of millennials say that they want to buy a home. Here's ...

Continue reading How Home Crowdfunding May Let Millennials Live the American Dream

March 18, 2025

Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)

By Mike Glanz

Hello all! My name is Mike. I'm a big time fan of Len Penzo, and it's a privilege to share some of my thoughts on his blog. I read Len's article on why choosing debit or credit is like picking salad dressing; in that post he mentioned that he always ...

Continue reading Credit or Debit? How the Wrong Choice Hurts Small Businesses (and You)

March 17, 2025

Black Coffee: Everybody Knows

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 ...

Continue reading Black Coffee: Everybody Knows

March 15, 2025

The Most Profitable Practice Models for Nurse Practitioners

By Sabado Domingo

Nurse practitioners (NPs) are increasingly carving out their own space in the healthcare industry, leveraging their expertise to establish profitable and sustainable practice models. With a growing demand for quality healthcare and an increasing ...

Continue reading The Most Profitable Practice Models for Nurse Practitioners

March 14, 2025

Grandfather Says: The Continuing Chronicles of Elaine, Part 62

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: In November 1999, Dave and I were at Cape Hatteras just after the lighthouse had been moved, and we happened to be there for the ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 62

March 13, 2025

6 Big Home Seller Mistakes That Turn Off Potential Homebuyers

By Sabado Domingo

When a potential buyer walks through your front door, what do they see? First impressions are really important, and many buyers will know within seconds whether the place is right for them. However, there are certain things that'll put buyers off ...

Continue reading 6 Big Home Seller Mistakes That Turn Off Potential Homebuyers

March 12, 2025

5 Affordable Ways to Upgrade an Outdated Bathroom

By Anum Yoon

A wise man once said, "You go to take a shower with the bathroom you have -- not the bathroom you might want or wish to have at a later time." Perhaps we're paraphrasing, but how happy are you with your current master bathroom? This should be your ...

Continue reading 5 Affordable Ways to Upgrade an Outdated Bathroom

March 11, 2025

How to Protect Your Designs from Copycats Without Wasting Time & Money

By Sabado Domingo

protect design from copycats

In today’s fast-paced and highly competitive creative world, the need to protect your designs from copycats is more important than ever. With the rise of global markets and digital platforms, copycats can easily replicate your original work. This can ...

Continue reading How to Protect Your Designs from Copycats Without Wasting Time & Money

March 10, 2025

The Leprechaun and the Lamborghini

By Len Penzo

Here is my St. Patrick's Day variation on a very old story that's been passed down and told many times. The Leprechaun and the Lamborghini One day, not too long ago, a leprechaun disguised as a businessman walked into a bank in New York City and ...

Continue reading The Leprechaun and the Lamborghini

March 10, 2025

Black Coffee: Brought to You By the Letters M, B and T

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: Brought to You By the Letters M, B and T

March 8, 2025

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