Blog Profile / Len Penzo dot Com

Filed Under:Business & Finance / Personal Finance
Posts on Regator:1484
Posts / Week:4.2
Archived Since:March 8, 2011

Blog Post Archive

Why I Love Christmas: A Guest Post from My Daughter, Nina

Today I’m digging into the archives to rerun this guest post from my daughter, Nina. She originally wrote the piece for me seven years ago, on December 24, 2010 — back when she was just 11-years-old. I have to admit, rereading her article was bittersweet — if only because it reminded me that my little […]

5 Ways to Make Your Business Greener While Increasing Profits

Most business owners and managers who have their eyes on the prize are well aware reducing the environmental impact of their business is one of the best things they can do. Business owners can respond flexibly to the demands of the changing planet. New environmental laws are passed all the time that restrict business impacts […]

10 Great Ways to Avoid Student Loan Debt

When the average student graduates, she’s approximately $37,000 in the hole. That’s some education, all right. According to Forbes, more than 44 million students are up to their caps and gowns in student-load debt — to the tune of $1.3 trillion. That makes student loans the second highest debt category, behind only mortgage debt. However, […]

5 Strategies That Can Help Boost Your Business’s Profits

When you own a business, there are plenty of reasons to stay motivated. Maybe you’re developing a unique product, or perhaps you have an excellent team in place with whom you love spending time. However, the main motivation is profit. Without it, there would be no point in being in business, and you’d also be […]

Black Coffee: Rethinking the ‘Wisdom’ of the Crowd

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 … “Bulls make money, bears make money, pigs get slaughtered.” — […]

Saving Money On Holiday Parties: Host Gifts That Won’t Break the Bank

The holiday season is upon us, and soon you’ll begin receiving invitations for holiday parties. While holiday parties are part of what makes this time of the year so wonderful, they can also take a massive toll on your savings account. From buying new clothes, food, and a host gift, holiday parties can leave your […]

Smart Tips for Protecting Your Personal Assets

We live in litigious times and it’s an unfortunate reality that you need to take steps to ensure your personal assets are protected from anything that may happen. It’s also unfortunate that there are rather a lot of ways in which you could be put in a situation where your assets could be a risk, […]

Grandfather Says: A Few Words on Religious Conviction

Grandfather says religious conviction is a funny thing. Not ha-ha funny; wondrous funny. It propelled the Sistine Chapel ceiling, the Spanish inquisition, the Knights Templar and Billy Graham’s Crusades … But its expression is uneven. And uncertain. Those who have it yearn to be sure. Agnostics admit they don’t know. Atheists say all the others […]

Can Hybrid and Electric Cars Save You Money?

The invention of the car in the late 19th century was a game changer for what the world had been, and what it was going to become. There are few, if any, people who could imagine what it would be like not to have access to a car today. Sure, there are plenty who don’t […]

6 Things That Are Better to Buy Than Rent

I recently wrote a post here that highlighted things that are better to rent than buy. Now it’s time to flip it and reverse, a la Missy Elliot. Here are a few items for which you should always shell out full price — even if you don’t want to: Your own home There are plenty […]

Black Coffee: The Relentless Rise of Bitcoin (and Signs of a Bubble)

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. We’ve got a little more than three weeks until Christmas. And with that, let’s get this party started! […]

10 External Funding Options for Startup Business Owners

Planning how to fund your business at various stages is part of being a business owner. Most companies need external capital at some point in the life of the company. There are two main ways to raise capital: debt and equity. With debt, you borrow money from a lender. You sign a contract that spells […]

Study: Americans More Likely to Save for Vacation than for Retirement

Although Americans are criticized for putting work above all else, so much so that half of those in the workforce aren’t using all their vacation days, a new NerdWallet study suggests that we are prioritizing getaways — but it may be at the expense of long-term financial planning and overall satisfaction. Around 37% of families […]

U.S. Housing Market Seeing Unchanged Mortgage Rates from Last Year

According to recent data, mortgage rates rose slightly this year, but are now essentially back to where they started a year ago. The average 30-year fixed rate reached 3.95% with an average 0.5 point. Two weeks ago, it was at 3.90% and at 3.94% a year ago. The 15-year fixed rate average also increased. It […]

6 Money-Saving Tips for Getting the Best Price on Life Insurance

Although everyone prays they’ll never have to use it, buying insurance is something that we all have to do as responsible adults. Life insurance, in particular, is especially important because it protects your family by providing for your dependents in case you die prematurely. of course, the goal is to make sure you find a […]

5 Ways Smoking Negatively Affects Your Personal Finances

It’s not likely you’ll be able to find anyone in the United States who has escaped the message that smoking is hazardous to your health. After all, there’s a Surgeon General’s warning on every pack. And children learn about the negative effects of tobacco use in school. Unfortunately, we pay far less attention to how […]

Black Coffee: Conniving Croupiers and Counterparty Risk

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. As always, if you enjoy what you read here every weekend, I’d much appreciate it if you would […]

How to Know If It’s Better to Renovate Your Current Home or Move

Home buying is an emotional decision, seldom dominated by the most rational part of the mind. That’s not to say that there is nothing practical about buying a home. But practicality is only one part of the equation. There’s always a mix of practical and emotional components. And the emotional component plays a bigger role […]

Grandfather Says: Thanksgiving Greetings from West Virginia

Some folks hereabouts have wondered what Grandfather “at home” looks like. Well, here’s a scene for you … It occurs to Grandfather that he looks like a hick in that particular picture. But, as you can see, his living room looks quite opulent … Well, Grandfather says it just illustrates a basic contention of his: […]

How Canadian Families Save Money on Groceries

My wife and I recently had a child. Though we’d planned for additional expenses, managing our budget has nonetheless been tough at times, particularly because we’re operating on a single income. What we quickly realized when our daughter was born was that we were spending a lot more on food. That wasn’t entirely surprising, given […]

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