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Len Penzo

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Len Penzo dot Com
General Finance
Budgeting, Family, Frugality, Investing, Real Estate, Macroeconomics
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Los Angeles, California, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

According to a report by the National Association of Small Businesses, the top three challenges of running a business are economic uncertainty, the cost of health insurance benefits, and a decline in customer spending. However, with the rise in digital technologies, small businesses everywhere have a higher risk of having their security systems breached as well. And considering the fact that 60% of small businesses go out of business within six ...
Posted: Sep 22 2017 @ 7:15 AM
If you want to be as productive and healthy as you possibly can, you need to ensure that you get a good night’s sleep; for most adults this is between seven and nine hours each night. You may not realize it, but if you want to make sure that you get the right amount of quality sleep, then having a good mattress is very important. The problem is that many people ...
Posted: Sep 21 2017 @ 7:15 AM
If you allow your debts to pile up, they can draw you into a vicious debt cycle. You can try to solve the debt problems on your own by implementing some severe austerity measures such as cutting spending to the bone, and selling luxury items to free up cash. You can also look at getting assistance from a debt relief company or opt for refinancing. If you have managed to get ...
Posted: Sep 20 2017 @ 7:15 AM
Most people use the terms “currency” and “money” interchangeably. However, there is a very subtle — but significant — difference between them. If you’re one of the few folks out there who understand the difference between currency and real money, then I’m positive you also understand what true wealth is. As Mike Maloney notes in Part 1 of his series on the Hidden Secrets of Money: The whole world has been turned ...
Posted: Sep 19 2017 @ 7:15 AM
Want to enjoy life’s finer things without the big investment? Then instead of spending cash to own them outright, consider renting — especially if you’ll only use them infrequently. Renting can often fill a temporary void without creating a new one in your wallet. With that in mind, here are 15 things that are often better to rent than buy: Bikes I’ve had two of my bikes stolen while locked to bike racks ...
Posted: Sep 18 2017 @ 7:15 AM
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. Another awesome summer week is behind us, with fall right around the corner. Are you excited? I know I am! Okay, away we go … “Blessed are the young, for they shall inherit the National Debt.” — Herbert ...
Posted: Sep 16 2017 @ 7:15 AM
What does the process of moving out look like? Well … it’s a complete mess! Just picture hundreds of boxes and bags, wrapped furniture and appliances literally everywhere in your home. During this period, you may not even have the time to eat properly. The key, of course, is to transform your moving process into a series of logical steps. First of all, take care of long distances. You’ll probably need to ...
Posted: Sep 15 2017 @ 7:36 PM
Grandfather says someone close to the past disastrous wildfires in California got him to thinking. “Older people know that everything heals,” the man said. “Everything gets better if you just keep plugging away. But there are young people who are mentally destroyed — those are the people to feel sorry for.” Grandfather says he has been lucky and can think of only one set of notable adverse circumstances in his own ...
Posted: Sep 14 2017 @ 7:15 AM
Many people seem to be under the impression that most products intended to be energy-efficient actually cost more money to purchase than the product saves over time. However, if shoppers want to genuinely save some money on their eco-friendly investments, they need to know where to look. Here are just a few eco-friendly home improvements that will actually save money: Water-Efficient Shower Head People often think of water-saving shower heads as inconvenient ...
Posted: Sep 13 2017 @ 7:15 AM
You’re about to graduate from college, or maybe you already have your degree and are looking for employment. Be proud of your degree — you earned it through several years of hard work. Hopefully, that translates into a good job in your field of choice, which you will enjoy for many years. A degree asserts you have a certain skill set, but it doesn’t tell the whole story. Employers are seeking ...
Posted: Sep 12 2017 @ 7:15 AM


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