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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Drop the Guilt: How To Splurge Without Breaking the Bank

By Len Penzo

Is it just me, or do I come off at times as a real financial stick in the mud? Uh huh. That's what I thought. Look back at my archives and you'll notice I've written plenty of articles about the importance of saving money and spending less than ...

Continue reading Drop the Guilt: How To Splurge Without Breaking the Bank

November 4, 2019

Black Coffee: Lollipops and Rainbows

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 glorious weekend is ...

Continue reading Black Coffee: Lollipops and Rainbows

November 2, 2019

Why College Students Take On Loans They Can’t Repay

By Enero Febrero

The entire situation with college loans is somewhat controversial. While some argue that student loans are the only way for most American students to attain education, others claim that their mere existence is a sign of a deteriorating educational ...

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November 1, 2019

When Businesses Suffer, So Too Do Their Communities

By Sabado Domingo

Local businesses both large and small have a significant impact on the communities in which they're located. When businesses flourish, so too does every other aspect of the community. However, when they suffer, residents may start to notice a decline ...

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October 31, 2019

Grandfather Says: The Ghost of Major Alvah L. Miller

By RD Blakeslee

Grandfather remembers in awe his uncle, Alvah L. Miller. Major Miller died January 31, 1944, while in command of Darby's Rangers second battalion. The first, second and forth Ranger battalions successfully landed on the beach at Anzio, Italy, but ...

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October 31, 2019

What To Consider When Shopping Around for a Small Business Lender

By Tex Freitag

You're no longer living in a day and age where a standard bank loan is your only option if you're in the market for business funding. These days, there are plenty of alternatives that offer much better solutions, especially if you actually run a ...

Continue reading What To Consider When Shopping Around for a Small Business Lender

October 30, 2019

Black Coffee: The Perils of Sailing a Red-Ink Sea

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 weekend. ...

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October 26, 2019

8 Ways College Students Can Save More and Manage Money Better

By Enero Febrero

It's no secret that most students are big spenders, but not everyone knows that many of them are already walking the straight and narrow. Some students even know how to save money while using different services. For example, if you're thinking: ...

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October 25, 2019

Black Coffee: The Fed’s Latest Cock-and-Bull (Market) Story

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. Wow! Another week has come and gone -- ...

Continue reading Black Coffee: The Fed’s Latest Cock-and-Bull (Market) Story

October 19, 2019

Grandfather Says: I Think, Therefore I Am

By RD Blakeslee

I think, therefore I am. -- Rene Descartes, French scientist and philosopher Leave it to the French to get things the wrong way 'round. (You'll have to pardon Grandfather for that one.) Grandfather says, "He am, therefore he thinks; and the more ...

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October 17, 2019

5 Rules to Consider Before Taking Out a Loan in Retirement

By Annie Doisy

A million dollars -- the figure many people have in the backs of their minds as the ideal retirement fund -- isn't what it used to be. On average, it will last you about 25 years in retirement, and that doesn't include unanticipated expenses. If you ...

Continue reading 5 Rules to Consider Before Taking Out a Loan in Retirement

October 15, 2019

Black Coffee: A Matter of Trust

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: A Matter of Trust

October 12, 2019

6 Simple Ways to Make Money Using PayPal

By Sabado Domingo

As you go through today's mail, you pull out three more bills to add to a growing pile. You know you need to get a handle on this; you already work full time. If only you could make extra money online in your free time. Well ... you can! In ...

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October 11, 2019

16 Extreme Ways to Increase Your Monthly Savings

By Tex Freitag

So you've seen your monthly bills and have a bit of a headache. After all, it's often tough keeping up with the utilities and other expenses. The good news is you can almost always resolve your financial woes with a bit of planning -- and some ...

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October 10, 2019

The Benefits of Investing in a Precious Metals IRA

By Enero Febrero

Everyone with an investment portfolio is concerned with protecting their hard earned savings in any way they can. There are several types of investments that are actually relatively low risk, but they often fail to generate significant financial ...

Continue reading The Benefits of Investing in a Precious Metals IRA

October 9, 2019

Everything You Need to Know About Life Insurance & Life Settlement Companies

By Tex Freitag

A number of people are still reluctant when it comes to life insurance, mainly because they don't know too much about it. Life insurance doesn't directly benefit oneself. However, it is one of the most important things you need to set up for your ...

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October 8, 2019

Is Getting a Loan With Bad Credit a Good Idea?

By Enero Febrero

Getting a loan with bad credit might seem like a daunting task -- and it is. But, there are times when a person doesn't have any other option than to go for a loan. If you have been turned down by one lender, don't lose all hope and assume that ...

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October 8, 2019

Outrageous Pizza Delivery Fees Are Here to Stay (and It’s Your Fault)

By Len Penzo

I love sleight of hand tricks. Occasionally, a coworker of mine named Fred will stop by my office and regale me with some truly amazing acts of prestidigitation. I'm always left in awe every time he seemingly pulls a coin out of thin air -- or ...

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October 7, 2019

Black Coffee: And the Band Played On

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 glorious weekend is ...

Continue reading Black Coffee: And the Band Played On

October 5, 2019

7 Big Reasons to Pay Off Your Debt Now!

By Enero Febrero

Being in debt isn't something to be proud of. Debt can be your worst financial disaster, depending on the amount you owe and the kind of debt you have. Of course, when it comes to paying off your debts, you really have to be serious about it if you ...

Continue reading 7 Big Reasons to Pay Off Your Debt Now!

October 4, 2019

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