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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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

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 ...

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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

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