Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:1093
Posts / Week:4.1
Archived Since:March 8, 2011

Blog Post Archive

Black Coffee: Not Tonight, Honey … I’ve Got a Headache

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. Let’s get right to it this week … Credits and Debits Credit: Let’s get this week’s news from […]

5 Things Everyone Should Know About Corporate Finance

Whether you’re dealing with a household grocery budget, a home mortgage, or end-of-year income tax calculations, financial matters can be confusing. However, keeping control of your finances is a vital aspect of managing your business, and once you decide to incorporate, simply keeping good records is not enough. Appointing a Chief Financial Officer is among […]

The Ultimate Guide to Paying Off Your Student Loan Faster

One of the biggest obstacles that prevent many graduates from investing either independently or through an adviser is the student loan. Student loans can weigh down individuals from seizing rewarding financial opportunities until they’re cleared of debt. Whether you’re a fresh graduate or still in school and have started repaying your student loan, these tips […]

How Much Can I Afford to Borrow for a New Home?

Readers: This is article 9 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. Although there are exceptions to every rule, mortgage providers generally require your total debt to be no more than 36% of your pre-tax income. Your total debt includes: Housing Expenses Your housing expenses include your mortgage payment, homeowners insurance, and property […]

Is a University Degree Really Necessary Today?

Possession of a university degree is considered to be important by many employers. The question that we should consider is whether having a degree is the only door to a successful future. Forty-one percent of university students drop out before the completion of their degree, according to a recent report released by the United States […]

Black Coffee: If You’re Smart, You’ll Avoid the Pooh-Pooh Platter

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. Trust me: business travel is no fun. I left my Southern California home on Sunday morning to catch […]

6 Ways Soon-to-Be Grads Can Kick-Start Their Savings

Congratulations! It won’t be long before you can finally say that you’ve passed every subject, and survived countless teachers from hell and maybe even a pretty wild campus life. You’re now entering a new era: life after graduation. Of course, the next step is all about becoming a member of the workforce — and that […]

How Big Should My Mortgage Down Payment Be?

Readers: This is article 10 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. Although there are exceptions to every rule, mortgage providers generally require homebuyers to contribute a minimum down payment somewhere between 3.5% and 20% of the home’s purchase price. Of course, it’s usually better to put down the biggest down payment that […]

How Your Credit Report Can Help Raise Your Credit Score

There are many advantages that come from tracking your credit report. If you’re wondering, “How can get my free credit report?” the answer is simple: There are many online resources you can use to get a current copy of your report. This can be one of the biggest tools out there to help you to […]

31 Fascinating Facts You Didn’t Know About Gold

Despite claims to the contrary from Wall Street financial service hucksters and statist economists the world over, there is no better money than gold. In fact, as JP Morgan famously noted, gold is money; everything else is credit. Of course, Morgan’s claim is true because only gold — and silver — effectively exhibit all of […]

How to Manage Bills and Save for a New Home When Your Income Is Spotty

Some of the most important things in life are always taken for granted. After all, most of us drawing a steady salary never consider how fortunate we are to get a regular monthly or semi-monthly paycheck. On the other hand, those who work on commission or depend on tips for a significant chunk of their […]

Black Coffee: Pay No Attention to Those Bankers Behind the Curtain

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. Let’s get right to it … Credits and Debits Debit: This week, Deutsche Bank settled lawsuits accusing it […]

What is a Rewards Credit Card?

Readers: This is article 10 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. Common rewards include: Cash dividends. With these cards, for every dollar […]

100 Words On: Why Grandma Was Probably Smarter Than You About Money

Grandma may not pay bills with a smartphone or trade stocks on her computer — but chances are she can teach a few lessons about saving money that you can take to the bank: Live within your means; only buy what you can afford Use credit only when absolutely necessary Cook from scratch and turn […]

11 Ways to Make Your Retirement Savings Grow Faster

Want to retire early? The fastest way to do that is to step up your savings game. So here are some suggestions on how to build up your retirement fund at a quicker pace. Crunch the numbers You don’t have to be a math wiz to calculate how much you’ll need to save, and at […]

9 Money Saving Tips to Help You Get the Most From Your Coupons

Coupons are a great way to save money — in fact, diligent coupon clippers can save a thousand dollars or more each year. Even so, many people refuse to use them. Whether they can’t figure out where to find great coupons, or they don’t understand how to get the most out of the ones they […]

Black Coffee: The ‘On the Road Again’ 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. What a week! A six-day business that included stops in Florida and Ohio trip left me with little […]

What Is a Student Credit Card?

Readers: This is article 6 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. Student credit cards are specifically targeted at younger people who want to build their credit. These cards usually have higher interest rates than other cards because the people who use them have a limited credit history. Even so, by law, […]

Personal Finance App Review: You Need a Budget

In life, some people prefer chocolate while others like vanilla. And when it comes to personal finance, there will always be people who are comfortable managing their money using an Excel spreadsheet, while others prefer something a bit more sophisticated — well … as long as it’s easy to use. Thankfully, for those who fall […]

5 Smart Guidelines for Picking the Right Home Loan

Home loans are the only way that most people around the world today can afford to buy homes. This is especially true for real estate in expensive locales from San Francisco to New York — and even homes in a city like Mumbai. With the high prices of residential property in every major city, owning […]

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