Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:1033
Posts / Week:4
Archived Since:March 8, 2011

Blog Post Archive

Got Gold? The Perth Mint Doesn’t. They’re Sold Out.

There are still other major bullion houses with product available, but you won’t find any at the Perth Mint. (h/t: FrivolousSpendThrift at ZeroHedge) Screen Shots: Len Penzo

Black Coffee: You Never Give Me Your Money

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. Too little time and too much to do, so I’ve got an espresso edition for your enjoyment this […]

How Investing in Stocks Can Help You Achieve Financial Freedom

One of the first things you learn about personal finance is that there are three keys to financial success:save more than you spend, live by a budget, and invest. In this post I’m going to talk about investing, in particular, how investing in the stock market can lead to your future financial success. Why Gamble? […]

How to Jump Start Your College Savings by Using a Credit Card

(The following is a sponsored post from Upromise. All opinions expressed below are the author’s, based upon personal experience with Upromise.) College may not be for everyone — but for many people, college will turn out to be an important and worthwhile investment. The bad news is almost 60% feel overwhelmed about saving for it, […]

My Porch Remodel (Phase 1): New Columns and the Hunt for Obsolete Bricks

I’ve already shared my remodeling adventures with our kitchen and master bathroom — so I thought I’d share our latest adventure. After 18 years, the Honeybee and I finally decided to give our front porch an upgrade. To be honest, it was time. The wood railing was beginning to rot and, as a result, was […]

Critical Business Success Secrets From 5 Tuned-In Financial Advisors

Throughout my career as a personal-finance blogger, I’ve given a lot of advice — both personal and business related. But the truth is, I don’t have any formal training in money matters. What I know comes from everyday living: previous debt, hard-knock budgeting, self-disciplined saving, becoming my own boss, and, of course, trial and error. […]

Black Coffee: Don’t Expect an Apology for All This Negativity

It’s time to sit back, relax and enjoy a little joe … And away we go … Credits and Debits Debit: Check out what $2.4 million will get you in Vancouver, British Columbia these days. Nope … there’s no housing bubble in Canada, eh: Debit: Then again, it’s probably a good thing that house for […]

What Is a Fixed Rate Mortgage?

Readers: This is article 5 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. A fixed-rate mortgage is a home loan that uses the property being purchased as collateral. However, unlike an ARM where the interest rate is subject to change on a periodic basis, the interest rate on a fixed-rate rate mortgage remains the […]

Consumer Rights: What to Do When You Get Defective or Dangerous Products

It happens to everyone: You open a box, only to find out that your shiny new object is defective. Or, you use it the first time and get hurt through no fault of your own. Here’s what you should do if this happens to you: What Happened? Is There Liability? If there was a manufacturing […]

14 Ways to Celebrate Valentine’s Day on a Budget

Ironically, there are a lot of broken hearts on Valentine’s Day. Those of us in relationships often have high expectations of our partners, and when they fall short of what we think we should receive on February 14 or how we should be treated, well, the result is often the antithesis of what Valentine’s Day […]

Black Coffee: Haughty Hot Dogs, Naughty Potatoes & Dead Men Walking

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 Debit: The gap between the rich and […]

How Much Should Parents Spend on Education Technology?

Back to school shopping isn’t what it used to be. Not too long ago, the most technologically advanced product that a parent would buy their kid was one of those bulky graphic calculators. Now, that almost seems quaint compared to the devices currently being used to help a child’s education. Technology in education is everywhere, […]

9 Tips for Getting the Most From Your Groceries

If there’s one resolution you make — and keep! — this year, spending less on groceries and reducing food waste should be it. To help you get started, and to keep you on track throughout the year, consider these tips for getting the most from your groceries: Know What’s on Sale Instead of blindly going […]

4 Important Tax Tips For Small Business Owners

Decisions about your business tax return can have a huge impact on your company profit. If you do some planning, you can reduce the amount of taxes you need to pay. Planning also helps you avoid any penalties and interest on your tax return. Use these tips to make smart decisions about taxes. Understand which […]

Treating Your Household Like A Business Isn’t Rocket Science

Anybody can run a household like a business, but to do it effectively you first have to appoint a household CEO in order to get the job done. Of course, the best candidate for running your household is always … you. For those of you who are already having doubts about taking on such an […]

Black Coffee: The Deflation Bogeyman and America’s Decline

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. Money is the barometer of a society’s virtue. When you see that trading is done, not by consent, […]

What is an ARM Loan?

Readers: This is article 4 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. An adjustable rate mortgage, otherwise known as an ARM mortgage, is a home loan that uses the property being purchased as collateral. Unlike a fixed-rate mortgage where the interest rate never changes, an adjustable rate mortgage has a fixed rate for […]

6 Expert Tips For Negotiating Rental and Lease Agreements

Moving into a new apartment and need to mind your budget? There are a few tactics you can employ to score a better deal on your new digs. Consider these tips on how to negotiate your rental or lease agreement to walk away a winner: Ask For What You Want Your future landlord isn’t going […]

Are You Smarter Than a 5th Grader? Guess How Much These Calendars Cost

With the new year upon us, I found myself in desperate need of a new desk calendar. At the time, I wasn’t looking forward to venturing onto the busy streets and adding to the post-Christmas hustle and bustle, but it turns out that the Honeybee needed a new planner for 2016, and she was willing […]

How I Manage My Finances In Just 15 Minutes Every Month

I’m not afraid of hard work; I’m deathly afraid of dumb work. I hate waiting in lines, I hate doing the same thing over and over again, and I hate doing something slow if there’s a faster way to go about it. The engineer in me goes absolutely nuts. So when I started managing my […]

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