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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Why Visualizing Your Financial Future Is So Important – and How to Do It

By Bret

There are millions of posts and thousands of books explaining how to improve your finances. In fact, much of this information seems to get recycled back and forth. I have found only a couple of good books and posts that deal with the visualization of ...

Continue reading Why Visualizing Your Financial Future Is So Important – and How to Do It

March 11, 2020

Economic Collapse 101: Ten Ways to Prepare for the Unknown

By Len Penzo

Most folks are really good about making sure they have the proper amount of insurance for their home and automobiles. But when it comes to ensuring the survival of their family in rough economic times, well ... not so much. It's no secret that ...

Continue reading Economic Collapse 101: Ten Ways to Prepare for the Unknown

March 9, 2020

Black Coffee: The Financial Noose Tightens

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 market turmoil continued this week, ...

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March 7, 2020

How Small Businesses Can Adapt to a Changing World

By Sabado Domingo

There's no doubt that the world is growing smaller by the day. Improved communications, pace of change, and globalization all have a part to play. And, while the big corporations may have the resources to adapt, this isn't always the case for small ...

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March 6, 2020

Grandfather Says: Musings on an Old-Time Liberal Education

By RD Blakeslee

An early 19th century liberal education mandated studies in classical literature, now abandoned -- and sometimes scorned -- in most "universities." Grandfathers Father, Ralph the First, studied for the ministry at the Southern Baptist Theological ...

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March 5, 2020

4 Ways to Make Getting a Real Estate Loan Easier

By Sabado Domingo

Nearly everyone dreams of being a homeowner someday. Others may want to build income through investment properties. However, in reality, obtaining real estate isn't all that simple because in real life, even the least expensive homes cost quite a bit ...

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March 4, 2020

How to Avoid Spending Too Much For A Quality Mattress

By Sabado Domingo

How do you feel when you wake up to start your day? Few of us report that we feel less than well-rested, and this may be a sign that we need to get a new mattress. Often, the root of our sleep problems literally lie in the mattress that we sleep on. ...

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March 3, 2020

Black Coffee: Red Storm Rising

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 think it's fair to say it has been a ...

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February 29, 2020

What’s the Cost of a Bad Hire?

By Sabado Domingo

Small businesses often survive on fine margins. Considering the fact that many new companies simply struggle to remain viable during their first few years of existence, it's crucial that business leaders make smart financial decisions. Unfortunately, ...

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February 28, 2020

How to Plan for Your Retirement in Canada

By Sabado Domingo

Wondering how to start saving money for retirement in Canada? Millennials thinking of retirement planning often face a unique set of challenges today. With lower earnings, rising housing costs, and increasing childcare costs, it all means there's ...

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February 27, 2020

Is Social Media Marketing All It’s Cracked Up to Be?

By Tex Freitag

Anyone who is involved within the world of online sales and promotions is already aware of how social media platforms have begun to transform the concept of "business as usual." Countless articles have been written in regards to this subject; touting ...

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February 26, 2020

Review: H&R Block Tax Pro Review

By Len Penzo

With the tax deadline right around the corner, many people are diligently gathering their financial papers and documents so they can begin the arduous process of filing their tax returns, which is why many people ultimately prefer the convenience ...

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February 25, 2020

The 15 vs. 30 Year Mortgage Debate: Why a 30-Year Loan Is Better

By Len Penzo

According to Freddie Mac's most recent survey, there is currently a spread of about 0.5% between the 15- and 30-year fixed rate mortgage benchmarks. I think most people naturally assume that, when it comes to choosing between a 15- or 30-year fixed ...

Continue reading The 15 vs. 30 Year Mortgage Debate: Why a 30-Year Loan Is Better

February 24, 2020

Black Coffee: Rich Man, Poor Man

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 everyone is enjoying their ...

Continue reading Black Coffee: Rich Man, Poor Man

February 22, 2020

The 4 Biggest Mistakes People Make When Selling a House

By Sabado Domingo

Selling a house should be easy, right? You employ a real estate agent to put it on the market, the perfect buyers come along, buy it at market value and everyone is happy. Wrong. Unfortunately, selling a house is not as easy as it may initially ...

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February 21, 2020

A Detailed Review on SaxoTraderPRO

By Tex Freitag

When exploring credible and reliable forex brokers, many people consider Saxo Bank to be a solid option. Saxo Bank is the parent organization of SaxoTraderPRO; and it is an institution that has accumulated a powerhouse reputation on all matters to do ...

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February 21, 2020

Grandfather Says: A Personal Portrait of My Time In Bergamo, Italy

By RD Blakeslee

He remembers Bergamo, Italy. It's in the mountainous North of Italy, just South of the Swiss border and about midway between Maranello, where the incomparable Ferrari automobiles are manufactured and Milan, home of the La Scalla opera house, where ...

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February 20, 2020

How the Best Entrepreneurs Manage Their Finances

By Sabado Domingo

Money problems; virtually everyone has them. After all, the average American has about $38,000 in personal debt. That's a massive amount that many won't even manage to pay off in their lifetime. When dealing with a tough financial situation, though, ...

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February 20, 2020

7 Straightforward Ways to Improve Your Small Business

By Lidia Staron

Having a small business is a challenging endeavor. Everything depends on you, and you have to compete with other small businesses as well as giants in the industry. Furthermore, you probably want to increase your revenue without compromising the ...

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February 19, 2020

$8100 Chicken Nuggets and Other Strange Items for Sale on Amazon & eBay

By Len Penzo

I don't know about you, but I find a lot of things in life that often make me stop and just shake my head in pure bewilderment. For example, why do tourists go to the top of tall buildings and then put quarters in telescopes so they can see things on ...

Continue reading $8100 Chicken Nuggets and Other Strange Items for Sale on Amazon & eBay

February 17, 2020

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