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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How Impulsivity Affects Your Financial Decisions

By Sabado Domingo

We're all guilty of an impulsive purchase or two; in fact, in four out of every ten stores we visit, we're likely to make an average of three unplanned purchases. Impulsivity -- also known as impulsiveness -- is something that even the most organized ...

Continue reading How Impulsivity Affects Your Financial Decisions

September 12, 2019

5 Ways to Cut Costs with the Latest Technology

By Tex Freitag

Some of the best things in life are free, right? Unfortunately, not a lot of things can be free but they can cost a little bit less. Some may look at technology and see it as a black hole for your money. For example, televisions always seem to be ...

Continue reading 5 Ways to Cut Costs with the Latest Technology

September 11, 2019

11 Great Retirement Saving Tips for Twenty-somethings (& Older Folks Too)

By Len Penzo

For most twenty-somethings, saving for retirement is typically far far down their priority list. After all, it's tough to get motivated preparing for an event that won't arrive for 30 or 40 years. Heck, I know thirty-somethings and even a few ...

Continue reading 11 Great Retirement Saving Tips for Twenty-somethings (& Older Folks Too)

September 9, 2019

Black Coffee: Giving Credit Where Credit Is Due

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: Giving Credit Where Credit Is Due

September 7, 2019

Reasons Why You Should Hire a Motor Vehicle Accident Lawyer

By Tex Freitag

I wanted to race cars. I didn't like school, and all I wanted to do was work on cars. But right before I graduated, I got into a really bad car accident, and I spent that summer in the hospital thinking about where I was heading. I decided to take ...

Continue reading Reasons Why You Should Hire a Motor Vehicle Accident Lawyer

September 6, 2019

Grandfather Says: My Adventures With Model Airplanes

By RD Blakeslee

From about age 12 or so, Grandfather has built and flown model airplanes. These were free-flight models, before technological progress made radio control inexpensive enough for anybody except the military. In his teens, grandfather ...

Continue reading Grandfather Says: My Adventures With Model Airplanes

September 5, 2019

5 Big Mistakes to Avoid When Starting a Restaurant

By Sabado Domingo

Food businesses have become immensely popular and, as a result, more people are showing interest in investing in the food and dining industry. One of the main reasons is that the industry is easy to get into and the rapidly growing trend of dining ...

Continue reading 5 Big Mistakes to Avoid When Starting a Restaurant

September 4, 2019

5 Creative Financing Options to Help You Buy a Home

By Sabado Domingo

The average American can no longer afford a home in around three-quarters of the country. And that's probably not surprising to anyone. On the one hand, the shocking increase in property prices has left many Americans in crippling debt, ...

Continue reading 5 Creative Financing Options to Help You Buy a Home

September 4, 2019

The Best and Worst Home Renovations for Maximizing Return On Investment

By Jennifer Landis

As a homeowner, you have a lot of freedom when it comes to how you make your home look. If you're living in your forever home, then renovate to your heart's content. But if you think there may be a chance you could end up selling your home one ...

Continue reading The Best and Worst Home Renovations for Maximizing Return On Investment

September 3, 2019

Dirty Harry Teaches Us a Lesson on Opportunity Cost

By Len Penzo

I was in heaven last week because one of my favorite movie channels ran all five Dirty Harry movies in succession. In Dirty Harry, during that famous bank robbery scene where Inspector Harry Callahan ends up spouting off his "Do ya feel lucky?" ...

Continue reading Dirty Harry Teaches Us a Lesson on Opportunity Cost

September 2, 2019

In Need of a Quick Credit Score Boost? Here’s How to Do It

By Enero Febrero

Having a solid credit score is more important than ever. If you don't, there's no hope of receiving a decent mortgage, renting the apartment of your dreams, or getting a lease on a reliable car for the family. Whether you have a good, bad, or merely ...

Continue reading In Need of a Quick Credit Score Boost? Here’s How to Do It

September 1, 2019

Black Coffee: The Central Bankers’ Failing Battle to Stem the Tide

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 great week. I ...

Continue reading Black Coffee: The Central Bankers’ Failing Battle to Stem the Tide

August 31, 2019

What to Look for When Hiring a Professional Gardening Service

By Sabado Domingo

Gardening can be a tough job. Having a garden is incredibly rewarding, especially if it's properly maintained, but if you want to maintain a garden that looks as stunning as possible and is as healthy as possible you'll need to put in a lot of work. ...

Continue reading What to Look for When Hiring a Professional Gardening Service

August 30, 2019

If You Want to Succeed in Forex Trading, Then Treat It as a Business

By Tex Freitag

Should forex trading be viewed as a business? There are probably a few people out there who would dispute that assertion. They might argue that in any kind of financial trading there are no guarantees that you'll actually make money. After all, if ...

Continue reading If You Want to Succeed in Forex Trading, Then Treat It as a Business

August 29, 2019

Why Having A Good Credit Score Is Important

By Tex Freitag

How well are you taking care of your financial health? Your credit score tells a lot about how you manage your money, which is why there are several important reasons it's absolutely crucial to maintain a good -- if not excellent -- credit ...

Continue reading Why Having A Good Credit Score Is Important

August 28, 2019

Sex Sells: Why College Students Shouldn’t Waste Money on a MacBook

By Byron Gould

I get it; MacBooks are sexy, they're sleek, they're polished, and "research" just looks better on Retina displays. It's been shoved down the throats of students that once they graduate high school they need a MacBook under their arm to help them ...

Continue reading Sex Sells: Why College Students Shouldn’t Waste Money on a MacBook

August 27, 2019

Black Coffee: It’s Almost Time to Fish or Cut Bait

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: It’s Almost Time to Fish or Cut Bait

August 24, 2019

Understanding the UltraFICO Credit Score

By Sabado Domingo

You probably already know your credit score is one of the chief determining factors when lenders evaluate your loan worthiness; this has traditionally been based solely upon your repayment history, the amount of your outstanding debt and the length ...

Continue reading Understanding the UltraFICO Credit Score

August 23, 2019

Grandfather Says: The Little Kite That Could

By RD Blakeslee

One day Grandfather made a "Little Kite that Could." About a half-century ago, the local Jaycees put on a kite building and flying contest. On the day of the event there was practically no wind and ordinary kites wouldn't fly at all. But ...

Continue reading Grandfather Says: The Little Kite That Could

August 22, 2019

What Is a Debt Consolidation Loan (and Should You Get One)?

By Tex Freitag

What's trickier than having a debt? Answer: having to juggle multiple debts. Whenever you owe numerous creditors, keeping up with your debts becomes that much more complicated. Suddenly you're dealing with varying deadlines, interest rates, ...

Continue reading What Is a Debt Consolidation Loan (and Should You Get One)?

August 21, 2019

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