Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:1131
Posts / Week:4.1
Archived Since:March 8, 2011

Blog Post Archive

Is It Better to Buy, Lease or Hire-Purchase a New Car?

Buying a brand new car is one of the bigger purchases we make — not quite as big as buying a house, but significant none the less. For many of us, money is always an issue and we can’t afford to spend a great deal of it unwisely. As such, when planning to buy a […]

What Is a 0% Purchase Credit Card?

Readers: This is article 15 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. This credit card offers 0% on purchases for an introductory time period (typically from 6 to 12 months). After the intro period expires, any outstanding balances are charged a standard interest rate. Avoid getting a 0% purchase card if: You […]

How to Use Competitive Intelligence to Your Advantage

When it comes to business, success depends on staying ahead of the competition. The know-how that helps achieve this is competitive intelligence. Whether it is planning a strategy, improving product features or providing better customer service, a company has a definite edge if it knows exactly what its competitors are planning. Here are a few […]

A Small Business Owner Shares 5 Big Mistakes That Can Bankrupt You

So you have — or want to have — your own small business. Being your own boss and having to deal with a diverse customer base is both challenging and fun. I started my web design business 12 years ago, while also keeping a job at the local radio station. Then, in 2009, I became […]

5 Tips for Avoiding Buyer’s Remorse (That I Learned the Hard Way)

I think it’s safe to say that, like the common cold, almost all of us occasionally suffer from buyer’s remorse. Today, against my better judgment, I’m going to share my worst case ever, which occurred many years ago when I was just 25 years-old, after I bought my very first house: a cute little World […]

Black Coffee: The Rose-Colored Glasses 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. Let’s get right to it today … Credits and Debits Debit: I see a recent GAO study found […]

How Do I Choose the Best Rewards Points Credit Card?

Readers: This is article 14 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. Theres no magic to selecting the right reward points card. In fact, it basically comes down to just a few basic steps: Identify your most important perk. For example, if youre not interested in traveling, then consider a cash dividends […]

How to Save Money When Doing a DIY Home Remodeling Project

There is a mountain of good advice on the Internet these days about how to implement DIY home improvement projects. And alongside all of those good ideas inspiration from, there has probably never been a better time to give your home an upgrade. The best part is, it doesn’t have to cost an arm and […]

Clever Tips to Help You Master the Art of Deal Hunting

Everybody loves a bargain. There are few better feelings in life than getting a sweet deal on something, and some people make it look like an art form. Some people just seem to get these good deals all the time, and when somebody else sees what a great find their friend has made, the chances […]

7 Smart Things to Do with Your Graduation Money

Congrats, Graduate — you did it! But now that school’s out, you’ve got some big decisions to make, the least of which is what you’re going to do with all that graduation money. Whether you’re fresh out of high school or a newly-degreed college grad, here are seven smart ways to handle that influx of […]

Black Coffee: Lousy T-Shirts & Cheeseburgers with Extra Lettuce

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 Credit: In case you missed it, the current bull […]

How to Handle a Partnership with a Foreign Business

So, you’re looking to break into an international market? There are numerous reasons why you may wish to choose a partnership with a foreign business in order to expand your own company. There are also a great many things that you’ll need to think about in order to make such a partnership successful — have […]

Infographic: A Quick Lesson on How Currency Moves

The movement of currency is a complex cycle that involves a number of different entities. It begins at federal facilities throughout the United States and follows an intricate path that takes it through banks, consumers, and businesses before the currency continues its journey through the cycle. When it comes to cash, a dollar bill — […]

How Currency Debasement Led to the Collapse of the Roman Empire

At its peak almost 2000 years ago, the Roman Empire covered an area of 1.5 million square miles and comprised more than 130 million inhabitants. As the Visual Capitalist’s Jeff Desjardins notes: The Empire built 50,000 miles of roads, as well as many aqueducts, amphitheaters, and other works that are still in use today. Our […]

Black Coffee: Gone Today, Here in Maui …

It’s time to sit back, relax and enjoy a little joe … Actually, I’m on my way home this weekend. All in all, the Honeybee and I had a fun and relaxing week, but we’re both glad to be on our way home. Frankly, I really needed the break and I hope you all understand. […]

How Do I Choose the Best Air Miles Credit Card?

Readers: This is article 13 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. An air miles rewards card are perfect for folks who love to travel and have great credit — so you’ll want to make sure you maximize your dividends by using the following strategies: Compare interest rates and annual fees. Rewards […]

The Biggest Reason Why It May Be Smarter to Rent Than ‘Own’ a Home

From Charles Hugh Smith’s Of Two Minds blog: We’re constantly told ours is an ownership society in which owning a home is the foundation of household wealth. However, if we understand property taxes as a “lease from the local government for the right to gamble on another housing bubble arising,” then we see “ownership” in […]

6 Ways to Save Money When Your Living Paycheck to Paycheck

If you’ve been living paycheck to paycheck, starting a savings account might seem like an impossible feat. However, there are things you can do to save money, even if it’s only a little bit at a time. For example: Shop Smarter One major reason why people can’t save is because they live above their means […]

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 […]

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