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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

As 2018 Ends, Conflicting Trends Emerge in US Housing Market

By Corazon Gritar

According to a recent article from The Washington Post, homebuyers have enjoyed a drop in mortgage rates over the last several weeks. However, though interest rates have indeed dropped to two-month lows for some loan types, rates still remain higher ...

Continue reading As 2018 Ends, Conflicting Trends Emerge in US Housing Market

Leave a Comment December 31, 2018

More Than Half of All Americans Delay Medical Care Due to Costs

By Corazon Gritar

When we become ill or get injured, it seems only natural to seek out medical treatment. But as recent research shows, more than half of Americans choose to delay, or totally refrain from getting, health-related care due to one factor: overwhelming ...

Continue reading More Than Half of All Americans Delay Medical Care Due to Costs

Leave a Comment December 28, 2018

3 Easy Ways to Reduce Your Water Bill This Winter

By Corazon Gritar

In wintertime, many homeowners are used to seeing their heating bills spike. But that may not be the only household system that could increase your monthly payments. Your water usage can really put a damper on your new year if you aren't careful. ...

Continue reading 3 Easy Ways to Reduce Your Water Bill This Winter

6 Comments December 24, 2018

3 Ways to Save Money on Your Next Dental Visit

By Corazon Gritar

Going to the dentist is an important, but sometimes expensive, visit. Dental health is crucial and can have an impact on your overall health, so you shouldn't skip going to the dentist because you can't afford it. But there are some procedures that ...

Continue reading 3 Ways to Save Money on Your Next Dental Visit

1 Comment December 18, 2018

Million Dollar Neighborhoods Are Popping Up Across The United States

By Corazon Gritar

Across the United States, over 800 neighborhoods have a median home value that exceeds $1 million, according to a recent report released by Trulia. This new data means that the number of homes costing $1 million or more in the country has doubled ...

Continue reading Million Dollar Neighborhoods Are Popping Up Across The United States

7 Comments November 30, 2018

5 Easy Ways to Increase Your Home’s Energy Efficiency This Winter

By Corazon Gritar

The time of year for cozy sweaters, nights by the fireplace, and big mugs of hot cocoa is here. However, that means the time of year for all of the warm air in your home trying to escape and cold air from the outdoors trying to come in is also here. ...

Continue reading 5 Easy Ways to Increase Your Home’s Energy Efficiency This Winter

4 Comments November 20, 2018

4 Great Marketing Tips for Startups on a Tight Budget

By Corazon Gritar

In many ways, small businesses and startups are the heart and soul of our society. That being said, it can be a real challenge to ensure that your business hits the ground running if you're lacking the most essential funds needed for marketing. But ...

Continue reading 4 Great Marketing Tips for Startups on a Tight Budget

Leave a Comment November 9, 2018

How to Protect Your Career After Getting Injured At Work

By Corazon Gritar

Workplace injuries have been in the news a lot lately thanks to some major exposes. From worker injuries in Amazon warehouses to a recent New York Times story about pregnant workers miscarrying, the rights of workers has been a major issue in 2018. ...

Continue reading How to Protect Your Career After Getting Injured At Work

Leave a Comment November 6, 2018

Facebook Hack Was Even Worse Than Originally Realized

By Corazon Gritar

Facebook's recent breach in security has affected more than just the social media site. In addition to Facebook, it has been revealed that other apps, including Instagram and Tinder, could have been breached as well. On September 28, Facebook ...

Continue reading Facebook Hack Was Even Worse Than Originally Realized

Leave a Comment October 17, 2018

Will Investment Fraud Doom the Controversial EB-5 Visa Program?

By Corazon Gritar

In 1990 Congress created the EB-5 immigrant investor program. Their goal was to stimulate the US Economy, and the capital investment from foreign investors was cited as a good way to do that. The program itself gives easy green card access to foreign ...

Continue reading Will Investment Fraud Doom the Controversial EB-5 Visa Program?

2 Comments October 10, 2018

Why Big Fraud Happens To Small Business (And How To Prevent It)

By Corazon Gritar

The world isn't necessarily a fair place: people lie, steal, and cheat every day to get themselves ahead. Fraud is one of biggest ways they can achieve this -- whether internal or external, people pretend to be someone they aren't and gain access to ...

Continue reading Why Big Fraud Happens To Small Business (And How To Prevent It)

Leave a Comment September 27, 2018

How Online Retail May Change After the Supreme Court’s Wayfair Decision

By Corazon Gritar

On June 21, 2018, the US Supreme Court toppled more than 50 years of legal precedent when it decided on South Dakota v. Wayfair. The ruling allows the 45 states that impose state sales taxes to require online retailers to collect tax at checkout. As ...

Continue reading How Online Retail May Change After the Supreme Court’s Wayfair Decision

Leave a Comment September 19, 2018

It’s House-Hunting Season: The 3 Essential Aspects of Any Home Search

By Corazon Gritar

Fall is one of the busiest times of the year for homeowners and sellers alike, but for buyers in particular, it's easy to get overwhelmed with your never-ending search. That's especially true in our current seller's market, where competition for ...

Continue reading It’s House-Hunting Season: The 3 Essential Aspects of Any Home Search

1 Comment September 7, 2018

Budgeting Over 65: How Seniors Can Afford to Age in Place

By Corazon Gritar

Although aging is an undeniable part of life, most of us don't want to think about how our bodies and minds will change in the future. But even if we're in excellent health now, that could all change a few years down the line. Statistics show that ...

Continue reading Budgeting Over 65: How Seniors Can Afford to Age in Place

5 Comments August 30, 2018

3 Tips for Getting the Best Price On a Used Car

By Corazon Gritar

When your car starts costing you more money than it's worth, it's probably time to get a new one. You don't necessarily have to get a new car, but it will definitely be new to you. Buying a used car can be a great way to save money and find a ...

Continue reading 3 Tips for Getting the Best Price On a Used Car

1 Comment July 24, 2018

4 Things You Can Do to Lower Your Homeowner’s Insurance Rates

By Corazon Gritar

Your homeowner's insurance is there to help you in case anything goes wrong in your home. That being said, 5.3% of homeowners filed an insurance claim in 2016, according to ISO. Insurance claims can raise your rates, unfortunately. And while there ...

Continue reading 4 Things You Can Do to Lower Your Homeowner’s Insurance Rates

4 Comments July 24, 2018

Recent Data Breach Crises Affecting Healthcare Workers

By Corazon Gritar

When using government contractor websites, you would hope that they are as secure as they claim. Unfortunately, one woman in Washington DC learned the hard way that this isn't always the case, and now she fears for her identity. Alexia Park logged ...

Continue reading Recent Data Breach Crises Affecting Healthcare Workers

Leave a Comment July 20, 2018

Con-Do or Con-Don’t: What to Consider Before Buying a Condo Investment Property

By Corazon Gritar

There's no denying the fact that real estate investments, when executed properly, can lead to a number of financial rewards. But while most investors think of single and multi-family homes as being the wisest investments, many people underestimate ...

Continue reading Con-Do or Con-Don’t: What to Consider Before Buying a Condo Investment Property

4 Comments July 13, 2018

Could Your Cell Phone Be Depreciating or Obsolete?

By Corazon Gritar

Our homes, our cars, our jobs -- these are things we may often take for granted, but they tend to last us for quite some time. But what about things like your cell phone? We have some news for you. According to The Guardian, tech company Apple ...

Continue reading Could Your Cell Phone Be Depreciating or Obsolete?

3 Comments July 11, 2018

Want to Budget Your Medical Costs? These 6 Tips Will Get You Started

By Corazon Gritar

When it comes to healthcare, it can be difficult to find the money to pay for all of the expenses that pile up throughout the year. Whether it's planned costs, like insurance and prescriptions, or unplanned costs, like a trip to the emergency ...

Continue reading Want to Budget Your Medical Costs? These 6 Tips Will Get You Started

1 Comment April 24, 2018

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