Blog Profile / Len Penzo dot Com


URL :http://www.lenpenzo.com/
Filed Under:Business & Finance / Personal Finance
Posts on Regator:914
Posts / Week:3.9
Archived Since:March 8, 2011

Blog Post Archive

Black Coffee: So, Where Did All of the Buy-and-Hold Investors Go?

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: And so it begins; China has […]

7 Tips for Earning a Living with Rental Properties

If you’ve been considering making extra money renting out a property you own, you’ve no doubt already discovered how much stress and planning is involved with being a landlord. As you start to think about whether or not renting out properties is right for you, think about some of these tips for earning a living […]

5 Rules to Consider Before Taking Out a Loan in Retirement

A million dollars — the figure many people have in the backs of their minds as the ideal retirement fund — isn’t what it used to be. On average, it will last you about 25 years in retirement, and that doesn’t include unanticipated expenses. If you need extra cash in retirement, a loan can begin […]

5 Indispensable Tips for Using Your Credit Responsibly

Your creditworthiness is a representation of how well you manage your finances. It’s essentially the first impression for everything from buying a home to getting decent rates on your car insurance. So if you’re irresponsibly handling your credit, this can reflect negatively on you, making getting through life’s various milestones a bit more challenging. No […]

5 Clever Ways to Save Money on Pet Care

If you’re like most pet owners, you consider your animal companions part of the family. But caring for pets can often lead to high expenses, which puts a strain on your household — and, more specifically, your wallet. It’s important to evaluate how we care for the animals we love without dropping your hard-earned money […]

5 Signs that Your Spending Is Out of Control!

Even if you’re rich, wasting money is criminally stupid. Sit down for a minute and think of all the things you could do with the money you waste that would otherwise make life better for someone else. If that doesn’t grab you, then think of what you could do with the money that would make […]

Black Coffee: It’s Time to Set Your Financial Doomsday Clocks

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: Last Monday, the Telegraph published a piece warning that […]

On the Job Training vs. Apprenticeship Programs: Which Is Better?

Many companies are looking at apprenticeships again as a way to train employees. On-the-job training (OJT) is taking a back-seat, as is traditional schooling. Here’s what you need to know to make the right choice. On-The Job-Training Programs On-the-job training, or OJT, is used to describe a situation where the employer commits to hiring an […]

Behold the $100,000 Hamburger!

“I think I’ll have the combo meal, two candy bars and a triple mocha latte.” “Very good, sir. That’ll be $400,000.” WTF?!?!? No, not really. At least not at one time. Now that I have your attention, I want to discuss the importance of curbing your vices. Listen, we all have some guilty pleasure that […]

How I Saved $36,000 in 12 Years by Doing This Simple Trick

Pull up a chair and get comfortable because I’m about to tell you a story that may seem hard to believe — but it is the absolute truth. Around 12 years ago, I made a decision that forever changed my relationship to money: instead of spending every $5 bill that passed through my hands, I […]

My 7th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

This is the third year in a row that the price of the unappetizing school lunches being served at my kids’ school will cost $2.75. As a result, there may be more than a few parents struggling to make ends meet who mistakenly believe that’s a relative bargain — especially since grocery bills have been […]

Black Coffee: A Few Economic Gravity Lessons from a Super Genius

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: As Larry Berman said this week: […]

My Teenage Son, His Cell Phone, and the Bill for $1,055.20

We held out for as long as we could. We really did. Despite an intense and relentless lobbying effort from my son, the Honeybee and I stayed strong and denied his repeated requests for a cell phone. And, boy, were there a lot of requests. I can’t remember the exact day he first requested his […]

How to Save Money By Living Like You’re Broke

There are blogging websites dedicated to showing people how to save money and live frugally. Housing costs usually take up a large chunk of the expenditure for most individuals and families and so it makes sense to check a mortgage calculator to see how much you can afford and if you can save money by […]

6 Stealthy Credit Report Errors You Can Quickly Eliminate

Financial institutions rely on one major determining factor when deciding whether or not to give you a loan (or a loan with favorable terms, at least) — and that’s your credit report. Credit reports contain a lot of information, including your name, address, place of employment, credit lines, balances, payment history and more. But that […]

Black Coffee: It’s Official … The Business World Really Is All Wet

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’m on vacation — which is why I’ve got another espresso edition of Black Coffee for you this […]

The Secret to Selecting the Right Kind of Life Insurance

Selecting the right kind of life insurance is important for anyone ready to make this financial step. As with all things regarding your financial life, the person who can give you the best advice is you. You may think that you are unqualified to understand the particulars of life insurance policies and payouts, but with […]

6 Not-So-Conventional Ways to Own a Home

Homeownership is part of the American dream, but buying a house today is not what it used to be. Fortunately for modern homebuyers, there are many nonconventional ways to become a homeowner. When you think outside the box, home buying becomes more customizable and attainable than it’s ever been. Income Potential Purchasing a property that […]

Inflation Deniers Are Foolishly Emboldened by Gold’s Struggles

The vultures are circling. Precious metals bulls, laid flat by gold and silver prices dropping for the fifth week in a row, are watching deflationists such as Harry Dent and the financial media squawk about the imminent demise of precious metals. The superficial and condescending coverage of the metals markets in the financial press has […]

Black Coffee: All We Need Is a Little More Faith and Optimism

It’s time to sit back, relax and enjoy a little joe … Can you believe it’s August already? Hard to believe summer is just about half over. Okay, off we go … Credits and Debits Debit: Americans who have read the fine print in their annual Social Security statement know that the listed benefits aren’t […]

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