Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:1114
Posts / Week:4.1
Archived Since:March 8, 2011

Blog Post Archive

Black Coffee: The Memorial Day Edition

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 want to thank all of you who called 9-1-1 to report my absence last week. It turns […]

7 Money Saving Tips for Owners of Mini Coopers (and Other Cars Too)

Of all the vehicles that have been manufactured over the years, there is an elite group that is regarded as iconic and those are instantly recognizable by their nameplates: Mustang, Cobra, Beetle, and Corvette likely come to mind. However, a brand that was once solely reveled by the rich, has now become the latest popular […]

What’s the Lowest Mortgage Down Payment I Can Get Away With?

Readers: This is article 13 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. Many people mistakenly believe a 20% down payment is required for conventional home loans, but the reality is that’s only true for homebuyers who want to avoid private mortgage insurance charges. Depending on the mortgage, lenders generally require homebuyers to contribute […]

How to Ensure You’re Getting the Most from Your Wallet

Think about how much stuff you have in your wallet at the moment: maybe a little cash, and probably a few debit cards or credit cards. Now, are you satisfied with how much your wallet is earning for you? It’s never a bad time to take a look inside that billfold to see if you […]

Why the Self-Employed Are Smarter Than You

Who pays a greater share of their income in taxes — Warren Buffett, or his administrative assistant? Obviously, posing the question implies its answer. Politicians may tout the virtues of our “progressive” tax system, but it doesn’t really favor the poor over the rich. Nor does it favor the rich over the poor, not when […]

How Do I Choose the Best Rewards Credit Card?

Readers: This is article 11 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. A rewards credit card is specifically targeted at people who want a bonus in exchange for using the card so the more you purchase, the more rewards you earn! Theres no magic to selecting the right reward cards. In fact, […]

How Do I Determine the Biggest Monthly Payment That I Can Afford?

Readers: This is article 12 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. There are two basic methods for determining how much house you can reasonably afford: Calculate Your Budget Using a Debt-to-Loan Ratio Mortgage providers generally require your total debt to be no more than 36% of your pre-tax income. Total debt includes: […]

3 Myths that Don’t Help You Save on Car Insurance

The Internet is a wonderful resource and platform for spreading misinformation at the same time. When it comes to auto insurance, for every great resource or article, there is also a website that posts incorrect and misleading information about insurance. This has led to the rise of many different car insurance myths that some people […]

6 Ways to Create a Stylish Home Office on a Budget

Flexible scheduling and the beauty of technology in the workplace has allowed for more opportunities than ever to work from home — either part or full-time — rather than hanging out in the office seven days a week. That being said, just any space won’t usually do for you to get your productive and creative […]

7 Modest Wedding Gifts that I’m Still Enjoying 20 Years Later

This week the Honeybee and I will celebrate our 20th anniversary. All things considered, our wedding day was a very frugal affair — but that didn’t affect our celebration by any means. And while we were married in May, it turns out that June is the most popular month for weddings — which means there […]

Black Coffee: Socialists, Capitalists, Spenders and Savers

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. There’s a lot to discuss this week, so let’s get right to it … Credits and Debits Debit: […]

What Is the Best Way to Find My Credit Score?

Readers: This is article 11 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. Your credit score is a financial report card that tells lenders how risky it is to do business with you. Credit scores are especially important for homebuyers because a high score indicates that they are more likely to pay back a […]

How Do I Choose the Best Cash-Back Credit Card?

Readers: This is article 12 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. A cash-back rewards card pays you money for every purchase you make so you’ll want to make sure you maximize your dividends by using the following strategies: Compare interest rates and annual fees. Rewards cards typically have higher APRs than […]

What Will Happen If Everyone Pulls Their Money from the Bank Today

I am a big follower of Mike Maloney. He is the man responsible for opening my eyes and helping me understand just how our monetary and financial systems really work — and for that I will be forever grateful. Last month, he put out a brief video — which I have included at the bottom […]

8 Ways to Prepare for Your Next Job Interview and Walk Away a Winner

You did it! You finally landed that coveted job interview. The hard part is over, but now another major challenge is on the horizon: the actual interview. Here’s how to go into it confident, prepared and hirable: Before the Interview … Analyze the job description It’s a waste of time to go into an interview […]

My Porch Remodel (Phase 2): Hardscape, Railing and Total Project Cost

Well, it took a couple months longer than the Honeybee and I originally anticipated, but after a few delays due to uncooperative weather, supplier issues, and one less-than-scrupulous contractor, we finally completed our porch remodel project. Like most remodeling projects, this one had its share of good news and bad news. We did end up […]

Black Coffee: The Dog Ate My Homework Edition

It’s time to sit back, relax and enjoy a little joe … Sometimes there just aren’t enough hours in the day to do everything that we want to do in life. Unfortunately for me, my hectic work schedule got more hectic-er. In fact, I ended up logging more than 70 hours this week … and […]

What if I Don’t Want to Wait 30 Years for My Investments to Pay Off?

There are loads of people in the US who don’t invest in stocks. And while there are hundreds of reasons why this might be so, we’re going to limit ourselves to just one: Time. It takes a long time for traditional, conservative investment strategies to come to fruition, for the average person. What strategies are […]

4 Simple Tricks That Can Help Lower Your Credit Card Interest Rate

Over half of American households carry credit card debt from month to month. That means they’re making interest payments that reduce the amount of money they have. The higher your interest rate is, the more money you lose every month. The good news is, there are a few tricks you can use to help lower […]

7 Tips for Finding a Reliable Used Car at the Lowest Price

If you want a new car for cheap, the best option is a used one. Aside from the obvious price benefits, used cars are subject to lower taxes, registration fees and dealer fees.You also can’t slap a fancy adjective like “vintage” on a new car! As with most purchases, however, used cars have their risks. […]

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