Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:1422
Posts / Week:4.2
Archived Since:March 8, 2011

Blog Post Archive

Debt Consolidation Program Pros and Cons You Need to Know

If you allow your debts to pile up, they can draw you into a vicious debt cycle. You can try to solve the debt problems on your own by implementing some severe austerity measures such as cutting spending to the bone, and selling luxury items to free up cash. You can also look at getting […]

15 Things That Are Better to Rent Than Buy

Want to enjoy life’s finer things without the big investment? Then instead of spending cash to own them outright, consider renting — especially if you’ll only use them infrequently. Renting can often fill a temporary void without creating a new one in your wallet. With that in mind, here are 15 things that are often […]

Black Coffee: Drowning In a Sea of Red Ink

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. Another awesome summer week is behind us, with fall right around the corner. Are you excited? I know […]

7 Money-Saving Packing Tips for When You’re Moving Out

What does the process of moving out look like? Well … it’s a complete mess! Just picture hundreds of boxes and bags, wrapped furniture and appliances literally everywhere in your home. During this period, you may not even have the time to eat properly. The key, of course, is to transform your moving process into […]

Grandfather Says: The Correct Way to Cope with Adversity

Grandfather says someone close to the past disastrous wildfires in California got him to thinking. “Older people know that everything heals,” the man said. “Everything gets better if you just keep plugging away. But there are young people who are mentally destroyed — those are the people to feel sorry for.” Grandfather says he has […]

3 Eco-Friendly Home Improvements That Will Actually Save You Money

Many people seem to be under the impression that most products intended to be energy-efficient actually cost more money to purchase than the product saves over time. However, if shoppers want to genuinely save some money on their eco-friendly investments, they need to know where to look. Here are just a few eco-friendly home improvements […]

8 Things Employers Are Looking for Beyond a College Degree

You’re about to graduate from college, or maybe you already have your degree and are looking for employment. Be proud of your degree — you earned it through several years of hard work. Hopefully, that translates into a good job in your field of choice, which you will enjoy for many years. A degree asserts […]

Black Coffee: A Hurricane for Your Thoughts

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 cover this week, so let’s get right to it … “The pessimist complains about […]

4 Important Art Investment Tips for Newbies and Wannabies

This morning I find myself running to my office with a package in hand, looking desperately for something to cut the tape with. A painting has just arrived by Priority Mail, and I can’t wait to open it. It is something that was offered by a seller through our web site and, perceiving that I […]

How to Convince Friends and Family Members to Lend You Money

I’ll be the first person to warn you about borrowing money from family and friends, but if you must turn to your pals and relatives for quick cash, here’s how to do it right and keep the relationship intact: Be Transparent at All Times Borrowing money from friends and family is taboo because it often […]

How Your Employer Is Stealing From You

Does anybody remember the Allentown woman who was sentenced to 57 months in prison for stealing $1.6 million from her employer over the course of an entire decade? Believe it or not, many employees misguidedly feel it’s really no big deal to raid the supply cabinet and bring home the occasional box of pens, tablets, […]

Black Coffee: A Bull Market In a China Shop

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. It’s a holiday weekend, so let’s get right to it … “Bull markets are born in pessimism, grow […]

How Forex Brokers Earn Money

The foreign exchange market involves buying and selling different currencies based on whether their value will appreciate or depreciate. This exchange takes place between traders and speculators. Forex is a high-risk market that trades $5 trillion on a daily basis. This is where forex brokers come into the picture, serving traders as an intermediary to […]

100 Words On: Why Raising the Minimum Wage Won’t Make You Wealthier

When governments interfere with the free market by raising the minimum wage, prices for everything naturally reset to accommodate that wage; it doesn’t matter if the hourly minimum wage is $15, $20, $25 — or even $1. Think about it; if raising the minimum wage was a panacea for making hard-working people in the bottom […]

Grandfather Says: A Lesson on the Benefits of Working Smartly

Grandfather says he has some experience working hard and working smart. In 1949, he worked for the Ford Motor Company on the 8N farm tractor assembly line. The 8N had a transmission cover that a hoist operator lowered onto the transmission as the tractor moved along the line. It was Grandfather’s job to set pins […]

5 Proven Ways to Crush Credit Card Debt

So you think the answer to finally pay off all of your credit card debt is to read dozens of great personal finance books. You’ve even considered going further into debt, wanting to hit rock bottom, with the hope that such a move would motivate you to pay off all your debt. Maybe if you […]

Black Coffee: A Matter of Trust

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. Another glorious week comes to an end. Off we go … “Gold is money. Everything else is credit.” […]

US Economy Strong in July Despite Construction Industry Shortcomings

The American economy is doing pretty well this summer. According to a new government report on the state of the economy, the country added a whopping 209,000 jobs in July. This is higher than the estimated 183,000 economists had predicted to Reuters a few months ago. And not only was there an influx of job […]

A Child’s Wise Advice to Adults on How to Earn and Save Money

My daughter, Nina, is 18 years old today. I know it’s cliche, but I truly do remember the day she was born like it was yesterday. I’m happy to say that Nina has always been a natural saver and good at managing her money — and when it comes to personal finance, that’s more than […]

How to Know Which Bankruptcy Chapter Is Best for You

Nobody ever truly starts out dreaming of going bankrupt one day — but sometimes it’s a necessary evil. If the day finally comes when you decide to file for bankruptcy, the next decision is to understand the type of bankruptcy that best suits your present circumstances. There are basically four types of bankruptcy forms available: […]

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