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Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:747
Posts / Week:3.9
Archived Since:March 8, 2011

Blog Post Archive

5 Tips to Stay Organized as a Freelancer

Today, more than 17 million Americans rely on freelance work for their income. If you’re one of them — or hope to become one of them — you already know that freelancing offers a level of flexibility and self-determination that you just can’t get from a regular job. But it’s not easy to stay on […]

An Insider’s View of the Millionaire Mind

I spent years working in small business accounting so I’ve had a chance to know a number of self-made millionaires. As a result, I also got an insider’s view of their financial positions and behavior — both business and personal. It’s kind of like being a doctor and giving physicals — you see people for […]

Black Coffee: Why More Tax Revenue Will Never Be Enough

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’ve got some honey-dos to take care of this week, so you know what that means … It’s […]

Entrepreneurs: 4 Key Questions to Ask Before Buying a Food Franchise

One of the more interesting business opportunities that is often overlooked is the food franchise. As you might guess, there are many of these franchises available in the food and beverage area; they’re easy to find too. But how do you know whether or not a particular franchise is worth the price? Obviously, it’s important […]

Reader Mailbag: Should I Contribute to the 401k or Save for a Home?

I have been doing financial research and would love your opinion. I am a young stay at home mom, and my husband just graduated from college. He got a great job within a few months of graduating, and we are looking toward buying a home. His job, also matches a 401k at 6%. We want […]

Contest Time: Win a Beautiful 2015 Silver Canadian Grey Wolf Coin!

Wow! I just received my latest pure silver coin and … It. is. a. beauty! I’m talking about the brand new 2015 Canadian Grey Wolf, which happens to be.9999 fine silver with a face-value of two Canadian dollars. Yes, it’s legal tender — although the coin’s silver content makes it worth much much more […]

Your 401k: How to Manage It, How to Roll it Over, How to Make the Most of It

The 401k — everyone has heard of it, and most of us have one, but do you realize how important your 401k actually is? When the government first introduced this pre-tax investment plan, it was merely meant to be an extra way to subsidize your income in retirement. There used to be a time when […]

Black Coffee: Is The Fed’s Magic Act Wearing Thin?

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. And away we go … Contest Time Hey! I’m having another silver bullion giveaway! Yep. So if you’re […]

10 Things We Can’t Live Without (Even Though Grandma Did)

Last week I read an article that discussed modern conveniences that our grandparents didn’t have. According to the author, Jason, life would still go on if we didn’t have products and services like GPS devices, plastic sandwich bags, tanning salons, and even health insurance. For the most part, I agree. Of course, that piece got […]

Black Coffee: Ferraris, Teslas and the Cost of a Harvard Education

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 Debit: Stocks took it on the chin this week. […]

Vacation Destination Fact Sheet: The Caribbean Islands

The islands of the Caribbean Sea are considered by many people to be among the most romantic and relaxing destination vacations. With more than 700 islands that border or surround it, the Caribbean is one of the largest seas in the world, and these islands attract more than 12 million vacationers every year. Caribbean Fact […]

The Great Paper Towel Test: What Brand Is Your Best Value?

The paper towel is one of the greatest inventions ever and, frankly, I think too many of us take them for granted. Think about it: They’re not only invaluable for cleaning up spills and other messes, but the best ones can also handle tough jobs like cleaning the kitchen stove. Paper towels are the brainchild […]

Infographic: How the American Dream Is Getting More Expensive

No, it’s not your imagination. The cost of maintaining the American dream is getting harder with each passing year. To illustrate, the folks from Vouchercloud have put together a detailed graphic that succinctly summarizes price increases since 2004 of everyday items including milk, gasoline, Big Macs, movie tickets and wages — both average and minimum. […]

Happiness and the Value of Understanding Why You Do What You Do

Today I want to share with you a very brief — but brilliant — story written by Mark Albion that I recently discovered. I hope it encourages you to reflect on your goals in life — and the strategy you’re employing to reach them: The Parable of the Mexican and the Fisherman An American investment […]

Black Coffee: Unicorns, Rainbows and the Improving Economy

It’s time to sit back, relax and enjoy a little joe … Let’s get right to it this week … Credits and Debits Credit: Don’t look now, but the US dollar index is currently on its longest winning streak ever — 12 weeks and counting. In fact, the latest upswing has some people in the […]

9 Smart Reasons to Get Aggressive With Your Debt Busting

When it comes to paying down your debt, there are hundreds of reasons to get aggressive. Some are unique to individuals and their particular financial circumstances, but most cross the boundaries of personal situations to find common ground among those who owe money. While debt, in certain contexts, is not necessarily a bad thing, you […]

Check Out the Latest Gimmick for Disposing of Expired Credit Cards

Every once in awhile, I come across something that causes me to scratch my head in utter bewilderment and ask, “Was that really necessary?” It usually happens when some company makes a change in the name of improved customer service, a better product, or lower costs when, in fact, it actually does no such thing. […]

Why Bottle Redemption Fees Belong In Your Local Landfill

Seattle’s recent controversial decision to fine residents who put too much food in their garbage bins got me thinking about a recycling law in California that I believe needs to be repealed: the bottle redemption law. Frankly, I consider it to be a complete waste of my money. Now before you write in to tell […]

Black Coffee: The Garbage Police and the Fed’s Paper Waste Problem

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, off we go … Credits and Debits Credit: The US GDP was revised upwards to 4.6% this […]

Reader Mailbag: The Skinny on Buying and Selling Precious Metals

Hi Len, I read in your blog that buying gold is a good investment and you recommend APMEX. I have saved money to buy some bullion and I am ready. I am just having trouble researching where to sell it when the time comes. Can you shed some light because Google isn’t helping. Thanks for […]

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