Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:877
Posts / Week:3.9
Archived Since:March 8, 2011

Blog Post Archive

Black Coffee: Why Many of Us Will Soon Have to Do More With Less

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. I was out of town for most of this past week. As a result, I’ve got a lot […]

What Is a Mortgage?

Readers: This is article 1 of 25 for my new no-nonsense “Mortgage Basics” quick-reference series. In the simplest terms, a mortgage is a home loan that uses the property being purchased as collateral. If the homebuyer ever fails to make payments, the lender can foreclose on the secured real estate in order to recover the […]

A Changing Landscape for Big Corporations

Over the past several years we have started to see a major shift in the landscape for some of the largest corporations in the United States. Ever since the financial crisis of 2008, the country has been torn between wanting the economy to recover, and wanting to make sure nothing like that crisis happens again. […]

5 Tips for Budgeting In Retirement on a Fixed Income

So you’re planning to retire soon? First of all: congratulations! Now, it’s time to ensure that your money outlasts your life and that there’s some left over for your children. You can do that by setting up, and following, a realistic budget. Not So Scary It might be best to offer a trigger warning before […]

The Layman’s List of Mortgage Application Junk Fees

Thanks to two home purchases and refinancing my mortgage five times, I’ve become very familiar with that eternal home loan enigma known as the mortgage junk fee. As a result, I always challenge the more questionable junk fees — and you should too. So what is a junk fee? Well, it refers to dubious lender- […]

Black Coffee: The “Hot Investing Tips” 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. Summer is finally here and it’s Father’s Day weekend — so I’m taking it easy this week. I […]

What Is a Credit Card?

Readers: This is article 1 of 25 for my new no-nonsense “Credit Card Basics” quick-reference series. Credit cards allow people to borrow money from their bank or a financial institution for the purchase of consumer goods and services. Because almost all businesses accept credit cards, there is virtually no limit to what can be bought […]

5 Ways to Fund Your Small Business Without Bank Loans

Most people dream of opening the doors to their own bookstores, record shops, accounting offices, and more, but very few ever achieve such a feat for a very good reason: lack of funding. Small businesses require quite a bit of capital to get off the ground, and not many people understand where and how to […]

How to Make Yourself Richer by Understanding Money

Financial management basically means taking the correct approach to your finances which in turn can help you to increase your net worth, to avoid financial difficulties and generally to be better off. Many of us think of financial management as being something that’s only for big businesses, or perhaps very wealthy billionaires. In fact though, […]

22 Home Hacks for Removing Common Stains (Part 2)

Accidents happen, and they can totally put a damper on your otherwise positive demeanor if you don’t know how to properly eliminate the stains they cause around the house. I covered the first 11 proven home hacks for common stains in Part 1. Here are the rest of them: 12. Oxidation on Jewelry Save yourself […]

Black Coffee: Can You Spare $175 Quadrillion for a Cup of Joe?

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 Credit: I see a new Washington Post […]

The Time to Reap Returns Depends on the Investment Type

About half of Americans never invest at all. At least thats what the headlines say. In reality, if you’re living and breathing, and have the power of decision-making, you’re an investor; you invest your time and money in stuff and pursuits. Whether these pay off in a way that is measurable is another thing entirely […]

Who Can Qualify for Long Term Care Insurance?

It amazes me how many people fail to plan for the future, and it amazes me how many people deny the reality that we only have a certain number of years before we have outlived our usefulness. We all know that life is short, but how many of us really want to admit that were […]

18 Fast Facts You Didn’t Know About Social Security Numbers

This weekend I was looking through the safe that holds all of my most important documents, like family birth certificates, insurance policies and the secret recipe for mom’s sauce, when I ran across my Social Security card. Now I’ll wager that, if you poll a room full of people at a triple-keg Super Bowl party, […]

Social Security and My $152,000 Challenge to Uncle Sam

I’ve been a proud, full-time, member of the American workforce since 1988. Since then, I’ve earned approximately $2.4 million in base salary — excluding bonuses, stock option cash-outs, and other income streams. It also excludes the money I earned working part time while I was in school. Since 1981 when I took my first part […]

Black Coffee: This Edition Brought to You By the Letters M and B

It’s time to sit back, relax and enjoy a little joe … I hope everybody had a great week! Okay, off we go … Credits and Debits Debit: Let’s face it folks: Greece is broke. In fact, Greece is so broke they couldn’t scrape up enough spare euros on Friday to make a scheduled 300 […]

Notes from a Car Mechanic: 6 Simple Money-Saving Tips

No, I’m not a car mechanic — I need help filling my car’s gas tank! This is a guest post from my father-in-law, Tony, who has over 20 years of experience specializing in the maintenance of tractor trailers and cars as a mechanic and shop owner/operator. (He’s also helped me with lots of home improvement […]

5 Tips for Making a Commuter Marriage Work

Most married couples wouldn’t dream of living in separate houses, let alone separate states, but this situation is a reality for millions of couples. It doesn’t mean they’re unhappy. In fact, it has nothing to do with the emotional state of the relationship. Rather, some couples end up in this scenario due to work obligations. […]

10 Old Wives’ Tales Masquerading As Financial Rules of Thumb

It’s been said that if the palm of your right hand itches, you’ll soon be coming into money. On the other hand (seriously, no pun intended), it’s also been said that if your left palm itches you’ll soon be paying out money. Don’t laugh. There are folks out there who actually believe this stuff. Then […]

Copyright © 2015 Regator, LLC