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Blog Profile / Len Penzo dot Com

Filed Under:Business & Finance / Personal Finance
Posts on Regator:787
Posts / Week:4
Archived Since:March 8, 2011

Blog Post Archive

Black Coffee: Americans’ Stagnant (and Exploding) Wage Problems

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 wonderful Christmas. I know I did! Okay, off we go … Credits and […]

7 Key Questions to Ask Before Choosing a Masters of Education Program

So you’re thinking about getting your master’s degree in education, but you’re not sure where to start. Well, there are so many things to consider: For example, should your college experience be on campus or online? Should you stay in your current concentration or should you try something new? Will you complete a program with […]

How to Quickly Tell If Your Grocer’s Produce Is Genetically Modified

It’s a no brainer: if you want to be healthy you’d have to eat more fruit and vegetables — but there’s a caveat. Pesticide residue that’s left on produce can lead to a variety of ailments over the long term. Pesticides can accumulate inside the body in a process known as bioaccumulation; the risk increases […]

12 Classic Toys from the Past and What They’re Worth Now

We all had our favorite childhood toys when we were growing up. For me, it was my old Tonka trucks — I had an entire fleet of them that I regularly used to help me carve miniature highways and water canals out of a large dirt planter in our front yard: a couple of dump […]

Black Coffee: Da Plane! Da Plane! Welcome to Fantasy Island.

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. Happy holidays, everyone! We’re in the home stretch; less than four shopping days until Christmas. Okay, off we […]

3 Reasons to Have an Emergency Fund (That We Don’t Talk About)

Most people don’t have emergency funds — and if they do, they usually aren’t for very much. Most experts recommend that you have at least six months worth of expenses squirreled away in an interest-generating account of your choice. And yet, most people don’t have this much liquid cash reserved for a crisis. Although your […]

How A Gold Backed IRA Can Help Protect Your Retirement

The stock market made great gains over the last several years. This year alone, we’ve seen the Dow Jones Industrial Average and the S&P 500 break multiple records. Even so, if you have a traditional IRA or 401k, your retirement funds could be at risk. In fact, if you read between the lines, there is […]

Why Your Favorite Charity Shouldn’t Be You

Charity is defined as an act of giving, not coerced and not expecting anything in return; an act motivated by the desire to help those less fortunate than yourself. Awhile back, there was an article on this blog by a guest author who explained why he avoids making charitable contributions. Unfortunately, it’s for reasons that […]

Donate? Humbug! 8 Reasons Why My Favorite Charity Is Me

Every year, especially around the holidays, I get hit up by solicitors asking me to donate to charity. The requests come from every direction. When people aren’t knocking on my door with their hat in hand, then the requests come by mail and on the television. It’s not just the professional solicitors either. Hobos often […]

What Is GAP Insurance for Cars and Why Should You Buy It?

Many years ago, I worked with an old engineer who always wore a belt and suspenders. Always. One day I pointed out that fashion snobs consider wearing a belt and suspenders to be a serious sartorial faux pas. He was unimpressed. “I know,” he said, “But I’m allergic to risk.” That remained a running joke […]

Black Coffee: The Sixth Anniversary 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. Believe it or not, my blog turned six this week. Wow! During that time, I’ve churned out 277 […]

A Low Cost Way to Stay Connected to Your Kids Without Cell Phones!

(Readers: This is a sponsored post from Amber Alert GPS.) What’s cheaper than a cell phone, and lets you stay connected with your kids? “We’re on a tight budget, and every dollar counts. But we need to buy two cell phones for our 10-year-old son and 8-year-old daughter. What if there’s an emergency and one […]

How to Take Environmental Protection to the Next Level

Many communities have made great strides in implementing “Clean Earth” campaigns and promoting green awareness. Neighbors and friends alike have pulled together for recycling drives, litter control, and much more to improve the environment. For some, though, this may feel more like putting out fires rather than preventing them in the first place and does […]

Infographic: Sneaky Tricks Retailers Use to Make You Buy Stuff

When it comes to the holidays, the competition among retailers for your hard-earned dollars is as fierce as ever, which is why they have more than a few sneaky tricks up their sleeves to help manipulate Christmas shoppers into buying merchandise. In fact, almost all stores routinely use smell, touch, colors and/or music to help […]

Simple Fundraising Tips and Tricks for Beginners

Fundraising plays a vital role in the way we support causes for public interest, health advances, and various charities. If you want to help a charity or cause that’s important to you, you’ll need to know how to fundraise effectively. Thankfully, that’s not too difficult. To prove it, here are a few simple fundraising tips […]

Black Coffee: A Reminder That In the Essence of Truth Lies Deceit

It’s time to sit back, relax and enjoy a little joe … In case you’re wondering, there are less than 18 shopping days left until Christmas. I’m not trying to rush you. I’m just sayin’. Okay, off we go … Credits and Debits Debit: At the close of November, total public debt in the US […]

3 Short and Savvy Winter Season Shopping Tips

December typically begins a three- or four-month period where household and personal bills can skyrocket, largely due to heating and winter prepping. As a result, it’s important to get smarter with the resources you have in order to ensure you’re not stuck wishing for a Powerball jackpot to stay solvent. Here are three handy tips […]

How to Pick the Perfect Christmas Tree

When I was growing up I had a friend whose family used to put up an artificial aluminum Christmas tree every year; pink. I remember one particular Christmas that same family had an ornament of a smiling Elvis Presley hanging on their pink tree — just above the manger scene they had neatly tucked under […]

Infographic: How Age Affects Our Holiday Shopping Habits

With Black Friday behind us, the traditional start of the holiday shopping frenzy is finally here. But, as a recent survey by Credit Karma suggests, holiday shopping habits are heavily dependent on how old you are. For example, it turns out that the so-called Millennials are much more likely to shop on Black Friday and […]

Essential Negotiating Tactics Everyone Should Know (Part 2)

This is Part 2 of a two-part series on negotiating tactics. If you missed it, here is Part 1. I’ve always believed that one of the most important life skills that every person should have mastered before setting out on their own is the art of negotiation. Negotiating skills become important for most people as […]

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