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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How I Live on Less Than $40,000 Annually: Randy from Missouri

By Randy

My name is Randy and I recently discovered Len's website and learned about his $40,000 challenge. I've really enjoyed reading the stories of those $40,000 heroes. I am 44 years old and I'm a mechanical engineer by trade, but I've moved into ...

Continue reading How I Live on Less Than $40,000 Annually: Randy from Missouri

August 19, 2019

Black Coffee: The Monetary Magic Show Continues

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 is having a nice ...

Continue reading Black Coffee: The Monetary Magic Show Continues

August 17, 2019

6 Ways to Keep Growing Your Business by Lowering Outsourcing Costs

By Tex Freitag

The biggest worry most companies have when it comes to lowering outsourcing cost is the quality of the output. Larger blue chip companies such as Apple Inc. and Nike may not care much about the quality of things such as customer support when it's ...

Continue reading 6 Ways to Keep Growing Your Business by Lowering Outsourcing Costs

August 16, 2019

5 Crucial Tips for Purchasing Rental Property

By Enero Febrero

If you've ever played the "what would you do if you won the lottery" game, people always tend to have great answers. Some would quit their job and travel around the world. Others would buy a big house and lots of fun toys. But then, there is ...

Continue reading 5 Crucial Tips for Purchasing Rental Property

August 16, 2019

7 Tips For Taking Out A Short-Term Loan

By Enero Febrero

If an unexpected expense arises and you don't have enough cash available, you aren't alone. Coming up short on cash is something that affects most people at one point or another. In fact, situations like these are what led to the development of ...

Continue reading 7 Tips For Taking Out A Short-Term Loan

August 16, 2019

How To Decorate Your New Home Without Breaking The Bank

By Sabado Domingo

Moving to a new place could be an expensive endeavor. Based on the layout of the new room, you may have to get different furniture to fit all your belongings neatly within the space. Trying to make your new home homey can have you furiously shopping ...

Continue reading How To Decorate Your New Home Without Breaking The Bank

August 15, 2019

What is Gap Insurance and How Does it Work?

By Tex Freitag

You know that there are different types of car insurance policies that are available. It will be a bit complicated to make a choice especially when you do not know what you are looking for. One of the things that you may have heard about is gap ...

Continue reading What is Gap Insurance and How Does it Work?

August 14, 2019

7 Practical Ways to Start Teaching Your Kids About Finance

By Jennifer Landis

Did you know children form most of their attitudes about money before the age of seven? It's true. Which means if you're a new parent, your children are likely watching you and adopting many of your own attitudes surrounding greenbacks -- whether you ...

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August 13, 2019

How To Responsibly Invest In Cryptocurrency

By Tex Freitag

Investing in cryptocurrencies has become somewhat of a craze of the last few years, with many rushing to try and earn their millions by pumping money into bitcoin and the like. However, investing in any form of cryptocurrency shouldn't be considered ...

Continue reading How To Responsibly Invest In Cryptocurrency

August 13, 2019

Does Birth Order Influence Your Financial Behavior?

By Len Penzo

Many people believe birth order is responsible for their status in life. I happen to be a firstborn child, which is why I love to remind my younger sister that scientific studies suggest firstborn kids are smarter than their ...

Continue reading Does Birth Order Influence Your Financial Behavior?

August 12, 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. I hope everyone is enjoying their ...

Continue reading Black Coffee: And the Band Played On

August 10, 2019

3 Ways to Unify Your Business Operations

By Sabado Domingo

Have you ever had a branch or department of your business that seems to be in its own world? When certain branches of the business aren't unified, they don't work well together due to a lack of communication, leading to further errors that can often ...

Continue reading 3 Ways to Unify Your Business Operations

August 9, 2019

Grandfather Says: The Carnegie Hall in Lewisburg

By RD Blakeslee

There is a Carnegie Hall in Lewisburg, West Virginia. Back in the days when Andrew Carnegie was presiding over his empire, he occasionally travelled on his railroad into West Virginia, to look after his anthracite coal mines. The coal was baked ...

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August 8, 2019

What Is an Installment Loan and What Are Some Examples?

By Enero Febrero

You hear about all kinds of loans every day. Loans for your car, loans for your home, and even loans to pay for those medical bills that you weren't expecting. But, when you go to your bank or other service provider, what are you getting? Answer: an ...

Continue reading What Is an Installment Loan and What Are Some Examples?

August 7, 2019

Black Coffee: Overdosing on Crazy Pills

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: Overdosing on Crazy Pills

August 3, 2019

How to Add Art to Your Investment Portfolio

By Tex Freitag

Investing in art isn't anything new. Timeless pieces of work are around the world for generation after generation. To this day, people continue to auction off these artifacts for hundreds of thousands, and even deep into the millions of ...

Continue reading How to Add Art to Your Investment Portfolio

August 2, 2019

The Trick to Running a Business Across International Borders

By Enero Febrero

With the US Department of Commerce reporting imports and exports ringing in at right under $2 trillion a year and covering more than 150 countries, it's no surprise that companies are going global with their operations at record rates. However, this ...

Continue reading The Trick to Running a Business Across International Borders

July 31, 2019

Black Coffee: Countdown to a Crisis

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: Countdown to a Crisis

July 27, 2019

Grandfather Says: The Discovery of Argobrite’s Cave

By RD Blakeslee

Grandfather says there is a natural cave on his property: Argobrite's Cave, named after an itinerant physician who made calls on horseback to local subsistence farmsteads in the early nineteenth century. Local legend has it that he discovered the ...

Continue reading Grandfather Says: The Discovery of Argobrite’s Cave

July 25, 2019

Why You May Want to Consider an Investment In Online Casino Stocks

By Tex Freitag

Online casinos open up a whole new world of opportunity. We're not just talking about the chance to sit down and have fun, playing a variety of games from casino classics like Blackjack or Roulette to popular slots; there's also the potential to win ...

Continue reading Why You May Want to Consider an Investment In Online Casino Stocks

July 25, 2019

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