Blog Profile / Len Penzo dot Com

Filed Under:Business & Finance / Personal Finance
Posts on Regator:1176
Posts / Week:4.1
Archived Since:March 8, 2011

Blog Post Archive

The Pros and Cons of 7 Popular Student Loan Refinancing Options

It’s a sad reality that most students cannot graduate from a four-year university without being saddled with thousands of dollars of debt. And if you choose to stick with your standard loan repayment plan without looking into other options, you could be stuck paying sky-high interest rates for ten years or more! This is where […]

3 Things People Pay For That Cost More Than They Should

No matter how thrifty you think you are, the truth is, most people are constantly spending money; it’s just part of being an adult. And if you have any level of property or responsibility at all, you have operating costs and overhead, just like a business. Many of these payments are for services that you […]

9 Common Wedding-Plan Mistakes That Will Drain Your Bank Account

Getting married is one of the important milestones of your life — until you get the bill. Last year, the average cost of a wedding in the U.S. reached a whopping $32,641 — which is why one-third of couples go into debt to afford their big day.With that in mind, you can keep your wedding […]

Black Coffee: The ‘One Day Late and $20 Trillion 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. Yes, I’m a day late delivering this very brief espresso edition to you. I have a good excuse […]

Economic Collapse 101: What Causes a Currency Crisis?

When a speculative attack occurs in the foreign exchange value of a currency, it results in a sudden sharp depreciation, which is known as a currency crisis. These crises can have large measurable costs on an economy, as we saw during the global financial crisis in 2008-09, which forced sharp depreciations in several advanced and […]

What Can I Do to Improve a Low Credit Score?

Readers: This is article 20 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. A low credit score can affect your life in more ways than you might think — which is why it’s important to maintain the highest score possible. If your credit score is less than optimal, here are the most effective […]

The Top 9 Wall Street Movies of All Time

People’s attention and obsession with money are never ending; whether we like it or not, we humans eat, sleep, and dream money. And why not? Money makes the world go round. So, how do financial moneymakers do it, and how do they keep their cool? To be sure, Hollywood has never been shy about its […]

8 Ways to Keep a Family Business From Tearing the Family Apart

Thinking about going into business with a family member? Tread lightly. One disagreement could rip that relationship to threads, but you’ll give yourself the best chance of success with these tips on how to keep a family business from tearing the family apart. Foster a Business Mindset One of the biggest hurdles to overcome when […]

Why You Need a Household Strategic Plan — and How to Create It

“Always have a plan.” That’s one of the most important pieces of advice I’ve ever received, if only because it applies to so many things in life — and it’s especially true with our personal finances. The household CEO is not only responsible for putting together a short-term budget that handles monthly expenses, but also […]

Black Coffee: The Olympic Gold 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 get right to it … Credits and Debits Credit: The Hill is reporting that Obamacare is on […]

Why Don’t You Ever Have As Much Money As You Think You Do?

It’s a common experience for millions of people to take a peek at the bank account balance, only to learn that there isn’t nearly as much money available as anticipated. What happened to it? Perhaps you immediately implicate your spouse or significant other. Maybe you feel a wave of realization or guilt upon accepting that […]

How Does the Homebuying Process Work?

Readers: This is article 17 of 25 from my no-nonsense “Mortgage Basics” quick-reference series. Purchasing a house can seem like a daunting task — especially if you’re doing it for the first time. Thankfully, the home buying process can be boiled down to a series of relatively simple steps: Make sure youre ready. Deciding to […]

A Primer on Bankruptcy Options and Potential Tax Liabilities

So, you are struggling financially and are curious about the bankruptcy option. You have heard the rumors about those who have filed and prospered; you’ve heard the tales about those who have filed and failed. Whatever the case may be, you want to learn more. Bankruptcy is a declared inability to pay off debts. The […]

6 Career Killers Many People Don’t Know About (and How to Avoid Them)

Want to get ahead at work? Heed this advice on what to avoid in the workplace to maximize your professional potential. Mistaking Volume for Effectiveness Just because you’re doing a lot of work doesn’t necessarily mean that you’re doing your best work. If you’re feeling overwhelmed with your workload — or you feel like you’re […]

My 8th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

Despite the high cost of grocery bills, brown-bagging a sandwich, piece of fruit, and carrot sticks or a serving of chips is always going to be less expensive than buying lunch at a restaurant, school cafeteria or fast-food joint. Odds are it will be healthier too. This year, my daughter’s high school will be offering […]

Black Coffee: Next Time, Please Phrase That in the Form of a Question

It’s time to sit back, relax and enjoy a little joe … The Honeybee has given me a long list of errands to run today, so I’ve got an espresso edition of Black Coffee for you this week. And away we go … Credits and Debits Credit: This week the US Bureau of Labor reported […]

3 Financial Building Blocks That All Parents Should Teach Their Kids

No one is born knowing about money, and some people don’t figure it out at any point during adulthood. Readers of Len’s blog have taken it upon themselves to do that learning, and have likely reached a strong level of financial knowledge and skill. One of the most important steps, at this stage, is to […]

What Should I Do if My Credit Card Application Is Rejected?

Readers: This is article 19 of 25 from my no-nonsense “Credit Card Basics” quick-reference series. Nobody wants to have a credit card application rejected, but it happens. If your application was denied, the good news is there are steps you can take that may still put plastic in your wallet. Rule out simple application errors. […]

6 Big Home Seller Mistakes That Turn Off Potential Homebuyers

When a potential buyer walks through your front door, what do they see? First impressions are really important, and many buyers will know within seconds whether the place is right for them. However, there are certain things that’ll put buyers off more than others, and rectifying them can help increase the likelihood you’ll get the […]

10 Things You Should Be Doing Now So You Can Retire on Time

Do you have grand plans to spend your golden years lying on a beach, hitting the links on weekdays, or sipping cocktails until the sun goes down? By following a few simple tips you can retire on your own terms — on time, or even earlier — and live the good life. Take a Financial […]

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