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

What Is the Statute of Limitations On Debt?

1 day ago | lenpenzo.com | Len Penzo

When it comes to old unpaid debts, many people hear the term “statute of limitations” and get a little confused – or sometimes overly hopeful. There’s a common belief that certain actions with old debts can extend how long those debts stay on your credit report, but that’s not quite how it works. The statute of limitations on debt is a legal concept that sets a deadline for creditors to sue you, but it doesn’t necessarily affect your credit report the same way.
Grandfather Says: The Continuing Chronicles of Elaine, Part 68

2 days ago | lenpenzo.com | RD Blakeslee |Len Penzo

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage:Salvation Army Music When Ellen and I were planning our trip to Alderney in 1990, we found out that when Dad and other 17-year-olds left the island to join the Canadian Army, the Salvation Army Band played them off.
5 Ways to Save Money on Moving Expenses

3 days ago | lenpenzo.com | Enero Febrero |Len Penzo

Moving to a new home is stressful enough without additional financial worries. Especially when it comes to how to save money on moving expenses. After all, there are many costs involved in the moving process. For example, you may need to hire housecleaners, long distance moving companies and perhaps even secure the right boxes and packing material, among other things.
When Should an Insurance Company Move Its Business Rules to a Rules Engine?

4 days ago | lenpenzo.com | Enero Febrero |Len Penzo

Insurance products are among the most complex financial instruments, governed by a vast array of rules and conditions. These rules dictate everything from underwriting criteria and pricing to claims validation and risk assessment. Traditionally, insurers have embedded these business rules directly into their core IT systems, making them hardcoded and dependent on IT teams for every adjustment. Read on to learn more about a business rules engine.
The Real Reason Office Tech Issues Take Forever to Get Fixed

5 days ago | lenpenzo.com | Sabado Domingo |Len Penzo

If you’ve ever logged a ticket for a broken printer, a frozen laptop, or a dodgy Wi-Fi connection — only to wait days for a fix — you’re not alone. In fact, office tech issues are quite common. For many workplaces, tech support delays are a daily reality. But the problem usually isn’t a lack of effort or skill. It’s a systems issue.
Are Haagen-Dazs and Ben & Jerry's Overrated?

5 days ago | lenpenzo.com | Len Penzo

Did you know ice cream has been around since at least the 18th century? It has. And today, the ice cream industry is bigger than ever, churning out hundreds of flavors each year. In case you’re wondering, the four most popular ice cream flavors are, in order: vanilla, chocolate, strawberry and butter pecan. Well … at least it is according to the International Dairy Foods Association. Sorry, mint chip. So sad, rocky road. Too bad, cookie dough.
Black Coffee: A Matter of Trust

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. Another busy week is crossed off the list. So without further ado, let’s get right to the commentary …The silver market is nothing but a swindle, wrapped in a scam, surrounded by fraud.
Your Money Reset Plan After Graduation

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

Graduation day feels like the end of something big, but it’s really just the beginning. Along with your degree comes the pressure to start acting like a full-grown adult—and that often means facing money issues you might not feel prepared for. One of the biggest challenges? Having a money plan after graduation and managing your finances with little experience and a lot of responsibility. The good news is that you don’t need to figure it all out at once.
How Do Credit Card Charges Work?

1 week ago | lenpenzo.com | Len Penzo

A question we often get here is, “How do credit card charges work?” The fact is, credit card companies make money by charging their customers interest on their monthly account balances. They also earn money from fees and other charges. The good news is savvy credit card holders know how to keep all of these expenses to a minimum if not avoid them entirely!Your credit card has an annual percentage rate (APR), which is a measure of how much interest you pay on your debt.
How to Reduce Tax Filing Fees: Expert Tips for Affordable Tax Prep

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

Filing taxes can be a real headache, and it often comes with a hefty price tag. But it doesn’t have to break the bank. Whether you’re a DIY tax filer or someone considering professional help, there are plenty of ways to reduce tax filing fees. From utilizing free programs to being smart about software choices, this guide will help you save money while still getting your taxes done right. Explore free filing services like IRS Free File to save money.