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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Frugal or Cheap: What’s the Difference?

By Sabado Domingo

For most people money is a sensitive subject. While some do their very best not to come across as being tight as a tick, others always settle for the cheapest option without regard to value for money. Of course, those who are frugal lie somewhere in ...

Continue reading Frugal or Cheap: What’s the Difference?

July 24, 2020

4 Things Every New Business Needs to Get Started

By Sabado Domingo

When starting a business, it can be a daunting task trying to figure out what you really need versus unnecessary window dressing that will ultimately provide no added benefits to the bottom line. This is especially true if you're bootstrapping your ...

Continue reading 4 Things Every New Business Needs to Get Started

July 24, 2020

Grandfather Says: Preparing for Hard Times

By RD Blakeslee

Grandfather says he thinks there are some tough years ahead. He says be creative and live better as those years go by. B F Goodrich & Co. built a specialty rubber plant here, fabricating mostly aircraft and military equipment, about 50 ...

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July 23, 2020

The Undeniable Benefits of Studying Abroad

By Sabado Domingo

For individuals from some countries, studying abroad may be the only way to receive a quality education. However, this is not to say that prospective students from more privileged countries don't stand to benefit significantly from schooling abroad. ...

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July 21, 2020

Black Coffee: The Curse of the Bambino

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. Despite the continuing economic ...

Continue reading Black Coffee: The Curse of the Bambino

July 18, 2020

8 Traits That Separate a Great Real Estate Agent from the Average Ones

By Jonathan Rogers

Whether you're an investor looking for a long-term relationship with a good estate agent, an entrepreneur just starting your career as an estate agent, or just a regular person who is hoping to become a homeowner someday, it's important to know the ...

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July 16, 2020

Is Early Retirement Worth It? How to Know If You Really Should

By Enero Febrero

Who doesn't dream of having the freedom to retire well before you hit your twilight years? After all, the dream is a good one; you work very hard while you're young and able, and then, while you are still youngish, you quit your job and enjoy an ...

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July 14, 2020

How Personal Loans Can Boost Your Credit Score

By Sabado Domingo

If you want to improve your credit score, you might mistakenly believe that the best thing to do is to completely avoid getting into debt. However, not having any debt can actually have the opposite effect when it comes to your credit rating. If ...

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July 14, 2020

How Greenhouses Are Changing the Way We Eat

By Sabado Domingo

Whether you believe it is just due to natural cycles or not, the ever-changing climate will continue to transform our world. In some locations, crops may become harder to grow. The good news is, there are many people hedging their bets by turning to ...

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July 14, 2020

Black Coffee: The Train Keeps a Rollin’

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. Summer is here, but for most people on ...

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July 11, 2020

Beginner’s Guide to Researching Stocks

By Len Penzo

Knowing how to research stocks and make the best selections can go a long way in terms of bolstering your success when trading. There are several steps you can take to research stocks effectively, including narrowing down your focus and learning how ...

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July 10, 2020

How to Successfully Pitch Your Startup Business to Investors

By Tex Freitag

Your business pitch can jump start your dreams -- or send your idea into oblivion. Serious investors get pitched constantly, so you should assume that they're not going to give you a lot of time, which is why it's so important to grab their ...

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July 8, 2020

7 Big Lies About Gold that Wall Street Doesn’t Want You to Know

By Keith Weiner

It's hard to say which lie about gold is the biggest whopper. Many widely held beliefs about gold are lies -- propaganda hammered home to have us believe the only true measure of wealth is government-issued debt. Big Lie #1: Gold is a barbarous ...

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July 7, 2020

Black Coffee: Cooking the Books

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 has a safe and ...

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July 4, 2020

4 Questions to Ask Yourself Before You Make Any Purchase

By Enero Febrero

We live in a consumption-based society. That is, the economy and, by extension, most businesses depend on individuals to make purchases on a regular basis. Unsurprisingly, the average person is bombarded with ads everywhere they go on the bus, on TV, ...

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July 3, 2020

How Much Does a Money Counting Machine Cost?

By Sabado Domingo

Businesses that deal with a lot of cash daily need a cash counter to do the job efficiently. A money counting machine makes your cash opening, counting, and closing procedures quick, saving your staff time that can be spent on other productive ...

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July 2, 2020

A Fun Way to Teach Your Toddler How to Save Money

By Leif Kristjansen

Teaching your kids about finance is important, but take a lesson from me: it's easier the earlier you start. My 3-year-old has been telling me I need to save more. And I write about saving money for a living! In fact, I told her that I needed to ...

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July 1, 2020

Black Coffee: Do You Want Fries With That?

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 summer doldrums seem to have hit ...

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June 27, 2020

Bad Credit Loans: What You Need to Know

By Sabado Domingo

Typically, your credit history is crucial when getting a loan from different lenders. They will look at the credit history to determine your capacity to repay your loans without delay. In most cases, having good credit increases your chances of ...

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June 26, 2020

5 Cost-Effective Ways to Deal With Common Problems

By Enero Febrero

Money can solve many problems. Plain and simple, the more capital you have available, the more resources you can draw on and the more help you can get when you encounter difficult issues. The bad news is that many people can't afford to throw money ...

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June 26, 2020

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