Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:1308
Posts / Week:4.1
Archived Since:March 8, 2011

Blog Post Archive

Is 15% of Your Income an Adequate Savings Rate For Retirement?

From the moment we start working, we’re already thinking about retirement. Over the course of several decades, countless people put aside funds to ensure that when they are older and ready to hang their hats for the remainder of their life, they have the funds they need to live comfortably. When you set up a […]

The Honeybee Helps Me Review Blue Apron’s Home Delivery Meal Service

This is a product review for Blue Apron. Product Overview: Blue Apron is a fresh ingredient and recipe delivery service designed to help home chefs of all skill levels cook creative and tasty meals at home. Each week, Blue Apron does the menu planning and shopping, working closely with suppliers and farmers who set the […]

Real Estate Agents: Why They’re Not Worth It

I’ve sold one house in my lifetime — way back in 1997 — and I did that without a real estate agent. Yep … For sale by owner (or FSBO). It wasn’t supposed to be that way.I actually started out with a realtor because I thought it would be crazy to not use an agent. […]

Black Coffee: The ‘Day Late and a Shamrock-Shake Short’ 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 dive right in this week … “What do you get when you cross poison ivy with a […]

How to Buy Tax Liens as an Investment Opportunity

If you don’t pay your taxes on time, then you could be slapped with a tax lien. This is a debt that will not be struck from your credit report unless you pay it off. And if a tax lien isn’t paid off, then it can be sold to a third-party. In fact, tax liens […]

A Few Fun Facts About the Average Coupon User

How often do you use coupons when you are shopping online or in local stores? One of the best ways to save money is by using coupons. It’s no secret that more people are looking for smart ways to reduce costs — and coupons are one of the easiest and most convenient ways to do […]

8 Smart Alternatives to Wasting Your Money on a Lavish Wedding

I don’t like weddings. Call me cold-hearted, but I don’t find anything enjoyable about having to put on a suit and tie in the middle of a heat wave in August while two people profess their undying love for one another outdoors. Meanwhile, I’m over here sweating bullets and swatting insects away from my face […]

Black Coffee: Decisions, Decisions

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 … Life is a constant oscillation between the sharp horns of dilemmas. — […]

Here Are Some Really Smart Ideas for Minimizing Student Loan Debt

Even though more and more college graduates are discovering that their degrees are not offering the return on investment that they originally anticipated, that’s not stopping today’s aspiring college grads from signing up for student loans. In fact, on average, the average student today graduates from college with $37,000 of student debt. But what’s really […]

7 Signs That Tell Smart Stock Market Investors It’s Time to Sell

Nobody wants to be on the losing end of a stock market investment, but it happens. The good news is you can avoid potential financial devastation by recognizing a few key signs that often indicate when it’s finally time to sell stock in a company. Here are seven of the biggest: Your Exit Strategy Says […]

Black Coffee: The Buttercups in Silicon Valley are Blooming Early

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 kick this baby off, shall we? There are strange flowers of reason to match each error of […]

What is a DMP and When is the Right Time to Apply?

A recent survey found that 22% of respondents in the UK say that their day-to-day finances are the main cause of stress. Clearly that’s a significant number of people — and that number has risen almost 50% in the last year. One big contributing factor to that financial anxiety is worry over debt. The same […]

100 Words On: Why You Should Never Cosign A Loan for Anyone

Cosigning for a loan is one of the dumbest financial moves you could ever make. By cosigning, you not only assume liability for the borrowed money, but you also make it tougher on yourself to qualify for large loans — regardless of your payment history — because lenders still include cosigned loans as part of […]

Confronting My Biggest Spelling Demons (and Yours Too)

One of the joys of having an eponymous personal finance blog is I don’t ever feel compelled to ensure every article has to be about, well, personal finance. But, Len, it says right there in the header that this is ‘The off-beat personal finance blog for responsible people.’ That it is — but not today. […]

8 Ways to Stay Motivated When Nothing Is Going Right

Staying motivated when the chips are down isn’t easy. You feel deflated, perhaps a failure, and maybe even afraid for your job. The first thing to remember is that nobody is perfect; we all make mistakes. The second thing is that you can turn the situation around. When nothing seems to go right, the following […]

Black Coffee: Giving New Meaning to the Term “Bull” Market

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. Okay, let’s get right to it this week … Bull markets are born on pessimism, grow on skepticism, […]

5 Ways to Survive a Money Emergency

Nearly everyone will experience a serious money emergency at some point during their lifetime. Something financially catastrophic happens, like your car breaks down or you have to pay a huge medical bill. Afterward, you may be left with little or nothing in your bank account. If there’s still a week or more until your next […]

100 Words On: Why You Should Never Ever Be Afraid of Failure

Most of us learn to fear failure and avoid it at all costs. During our quest for financial freedom, however, well encounter plenty of failures. Usually, we learn from them and move on. Sadly, the fear of failure is also used as a convenient excuse for some folks who dig themselves into a deep financial […]

Saving Money Is Easy When You Know This Simple Trick

If you search Google for “how to save money,” you’ll get 396 million results. See for yourself; I’ll wait. With that many results, how is it possible that people still have trouble saving? I’m sure that one of your New Year’s resolutions was to save more money too. Let me use a little analogy: One […]

Black Coffee: The Presidents’ Day Weekend 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 dive right in this week … In the absence of the gold standard, there is no way […]

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