Len Penzo

Chino Hills, Los Angeles

Electrical engineer and personal finance blogger who is the founder and editor-in-chief of Len Penzo dot Com. Your check on the "blue checks."

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Articles

Black Coffee: Creative Accounting

5 days ago | lenpenzo.com | Len Penzo

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. Well … another busy week is behind us. So with that in mind, let’s get this party started!Fraud is the homage that force pays to reason. – Charles CurtisHalf-truths are the devil’s IOUs.– Sarah Ban BreathnachCredits and DebitsCredit: Did you see this?
Retirement Planning Tips: Finding the Right Financial Fit

1 week ago | lenpenzo.com | Sabado Domingo |Len Penzo

Retirement planning can be a real head-scratcher, right? It’s this wild mix of daydreaming about lazy mornings and worrying about the bank account. You’re itching for that freedom; time to chill, explore, just live. But the money stuff? That can keep you up at night. To really savor those years, you’ve got to map it out smart and pay close attention to some key retirement planning tips.
What Is a Credit Card?

1 week ago | lenpenzo.com | Len Penzo

What is a credit card? They’re a tool that allows 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 with them. While credit cards are convenient, they typically charge high interest rates often upwards of 29%.
3 Things That People Overpay For

1 week ago | lenpenzo.com | Sabado Domingo |Len Penzo

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 need to live your life — and because most payments typically recur on an indefinite basis, many people decide to automate their finances.
How To Enjoy Your 20s and Save Money While You're At It

1 week ago | lenpenzo.com | Corazon Gritar |Len Penzo

If you’re like many Gen Zers, you probably suffer from a severe case of FOMO (fear of missing out) because, well … everybody knows YOLO (you only live once). As a result, you might treat yourself to expensive trips, or nights on the town, because you don’t want to be left at home while the best years of your life pass you by. So is there a secret when it comes to how to enjoy your 20s? The unfortunate truth is that your best years will, in fact, pass you by.
The Business Side of NP Practice: Getting Paid Starts With Good Data

1 week ago | lenpenzo.com | Sabado Domingo |Len Penzo

For nurse practitioners (NP), the transition from clinical expertise to managing a business can be a challenging yet vital step. While providing care remains at the core of the profession, understanding the revenue cycle is critical for sustaining and growing a practice. Revenue generation in an NP practice is not just about billing; it is about knowing what data drives the payment process and how to collect and use that data effectively.
If I Were King: 10 Features Every Credit Card Should Have

1 week ago | lenpenzo.com | Len Penzo

Wouldn’t it be great if you could design your own credit card? Imagine a credit card that would be absolutely perfect for you and your finances, down to the very last detail. So, what are the most important features every credit card should have? Well … If I were a benevolent king I would decree that every card in my kingdom must have the following:There’s nothing worse than paying a credit card company an annual fee. As king, I’d send those fees to the gallows.
Black Coffee: Nothing for Something

1 week ago | lenpenzo.com | Len Penzo

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 hope everybody had an enjoyable week. Without further ado, let’s get right to this week’s commentary …The government is not the owner of its citizens’ income and, therefore, cannot hold a blank check on that income.
The Most Talked-About Altcoins in the Market Right Now

1 week ago | lenpenzo.com | Sabado Domingo |Len Penzo

The cryptocurrency world constantly shifts, with new and existing altcoins making headlines as their technology evolves and market movements gain traction. Some altcoins are capturing significant attention due to rising adoption, project updates, or their potential to solve real-world problems. Here’s a closer look at the current altcoins driving the conversation. Ethereum remains a major force in the altcoin space and a frequent topic in altcoin news.
Why Elite Investors Choose Private Trade Desks for Crypto Trading

1 week ago | lenpenzo.com | Tex Freitag |Len Penzo

The world of cryptocurrency trading has evolved rapidly in recent years, attracting investors from all corners of the globe. However, as the market matures, many seasoned investors are seeking out more sophisticated and private methods for executing large trades. One of the most popular solutions for these elite investors is utilizing private trade desks, also known as over-the-counter (OTC) crypto trading services.