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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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A Guide to Improving Your Credit Score

By Tex Freitag

If you're struggling to get approved for loans or credit cards and aren't securing favorable financing rates, you may need to work on improving your credit score. Improving your credit may sound like an intimidating process, but it's possible to ...

Continue reading A Guide to Improving Your Credit Score

May 21, 2019

18 Amazing Facts You Didn’t Know About Your Credit Cards

By Len Penzo

If you're like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found ...

Continue reading 18 Amazing Facts You Didn’t Know About Your Credit Cards

May 20, 2019

Black Coffee: Reaping the US Dollar Whirlwind

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 great ...

Continue reading Black Coffee: Reaping the US Dollar Whirlwind

May 18, 2019

10 Shopping Hacks That Will Ensure You Always Get the Best Deal

By Sabado Domingo

Everyone loves a good deal. But your shopping habits could probably use a little tweaking. Online shopping and apps have changed the way shoppers buy things. And with that, tried and true shopping hacks may have changed, too. Of course, finding ...

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May 17, 2019

Grandfather Says: Political Anarchy

By RD Blakeslee

Grandfather says he is a political anarchist, more than anything else. Then he favors youths dressed in black and wearing masks and hurting people and breaking things, you ask? No, Grandfather's anarchy is not violent; it merely avoids ...

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May 16, 2019

5 Ways to Make Extra Money While Staying at Home

By Sabado Domingo

If you've ever dreamed about working from home, this could be the best time for you to take the leap and start a business that allows you to make extra money while staying at home. In fact, more and more Americans are turning to self-employment to ...

Continue reading 5 Ways to Make Extra Money While Staying at Home

May 15, 2019

Is Coinstar’s 11.9% Conversion Fee Worth the Price?

By Len Penzo

I think grocery store self-check stands are both a blessing and a curse. When multiple shoppers, loaded up with enough groceries to, say, sustain a family of four through a nuclear winter are queued up in front of a human cashier, self-check kiosks ...

Continue reading Is Coinstar’s 11.9% Conversion Fee Worth the Price?

May 13, 2019

Black Coffee: Figures Don’t Lie

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: Figures Don’t Lie

May 11, 2019

SoundCloud: The Pros & Cons of Buying Followers to Boost Your Music Sales

By Tex Freitag

Have you ever looked at your social media accounts such as Facebook, Twitter, or Instagram and wondered why none of your posts, videos, or music tracks have gone viral? Have you ever turned green with envy when you see someone else with an ...

Continue reading SoundCloud: The Pros & Cons of Buying Followers to Boost Your Music Sales

May 10, 2019

How To Start a Direct Sales Business

By Tex Freitag

Direct sales companies have been around for generations, but they have recently seen a resurgence with the increase in social media usage. The Internet allows people to easily contact potential customers without time-intensive, door-to-door sales. ...

Continue reading How To Start a Direct Sales Business

May 9, 2019

4 Essential Questions to Ask Before Buying an Extended Warranty

By Len Penzo

As many guys will tell you, after countless cookouts and parties we tend to get attached to our barbecue grills the same way we get attached to our dogs. Let's face it, a good barbecue grill, like a good dog, is something to be revered, which is ...

Continue reading 4 Essential Questions to Ask Before Buying an Extended Warranty

May 6, 2019

Black Coffee: Taking Stock of the National Debt

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! ...

Continue reading Black Coffee: Taking Stock of the National Debt

May 4, 2019

5 Things to Know About Pre-Market Movers Before Investing

By Tex Freitag

A pre-market mover refers to movements in a stock's price beyond regular trading hours. However, pre-market movers are not necessarily just the result of pre- and post-market trading sessions. Pre-market movers can be the result of absolutely ...

Continue reading 5 Things to Know About Pre-Market Movers Before Investing

May 3, 2019

Grandfather Says: A Fond Look Back at My Love of Fishing

By RD Blakeslee

Grandfather says nearly as far back as he can remember, he has loved to fish. He was on a footbridge over a creek at a family picnic when he was, oh, maybe 4 years old. When he saw minnows in the water, he bent a reed into an "L" and dangled one ...

Continue reading Grandfather Says: A Fond Look Back at My Love of Fishing

May 2, 2019

How to Save Money By Choosing the Right Car Insurance Company

By Sabado Domingo

If you own a vehicle it's crucial that you have car insurance. If you're like most people, you're probably struggling to decide on which company to purchase a policy from. The problem is there are hundreds of car insurance companies offering ...

Continue reading How to Save Money By Choosing the Right Car Insurance Company

April 30, 2019

Good Personal Finance Habits Everyone Should Follow

By Len Penzo

There are good habits and there are bad habits - and I have a lot of bad habits. For example, I tend to bite my nails when I get stressed out. I also have a penchant for opening the cupboard to get a drinking glass -- then walking away and leaving ...

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April 29, 2019

Black Coffee: The Monster Under the Bed

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 week comes ...

Continue reading Black Coffee: The Monster Under the Bed

April 27, 2019

12 Tips That Will Help You Successfully Maximize Your Career Potential

By Antonio Fortunato

Most of us give a lot of thought to managing our finances whether it be the household budget, managing the allocations within our IRAs, pension or profit-sharing plans, our personal bank and brokerage account balances or taking care of a rental ...

Continue reading 12 Tips That Will Help You Successfully Maximize Your Career Potential

April 26, 2019

The Pros and Cons of Layaway Plans

By Tex Freitag

These days, a growing number of retailers are implementing a variety of promotional tactics to help draw in new customers. And some retailers are now bringing back one of the oldest retail-marketing tactics in the book: the layaway ...

Continue reading The Pros and Cons of Layaway Plans

April 25, 2019

5 Things You Should Know Before Getting a Student Loan

By Sabado Domingo

If you want to practice law, write a brilliant research paper worthy of a Nobel Prize, or engineer a rocket, then you'll need to go to college. You'll also need to write the lion share of your essays -- or at least address an essay help service if ...

Continue reading 5 Things You Should Know Before Getting a Student Loan

April 23, 2019

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