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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

100 Words On: Why You Should be a Parent, Not a Best Friend

By Len Penzo

Whether they know it or not, children depend on their parents to say "no" and make tough or unpopular decisions for their benefit. Unfortunately, it's impossible to effectively enforce rules and boundaries without running your household like a ...

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November 26, 2020

Money, Freedom, and a Lesson on the Importance of Saving

By Len Penzo

One of money's best characteristics is its ability to bestow freedom upon those who possess it. Unfortunately, the amount of freedom that money provides is directly proportional to the amount of cash available -- not only in our wallet, but in our ...

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November 2, 2020

18 Frightening Facts You Didn’t Know About Halloween

By Len Penzo

I love Halloween. It's one of my favorite holidays -- and based upon its mass appeal, apparently I'm not alone. In fact, even though the wicked economy continues to put a scare into most people, when it comes to celebrating what was originally ...

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October 19, 2020

14 Unconventional Money Moves That Are Smarter Than You Think

By Len Penzo

Life doesn't always turn out as you might expect it to. The truth is, many things in life often defy all sense of logic. For example, there was a time when a reasonable person watching Justin Bieber sing on a city sidewalk for spare change would ...

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October 5, 2020

Greed Is Good: 7 Surprisingly Wise Rules of Acquisition

By Tex Freitag

Before we begin, let's make one thing clear: superhero movies and space operas are not science fiction -- they are science fantasy at best, and I'm not very sure about the "science" part in most cases. True science fiction is not always ...

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September 18, 2020

The Best Household CEOs Understand the Importance of Saying ‘No’

By Len Penzo

By most accounts, there are more than 250,000 words in the English language. Of course, I have my favorites. For example, I've always been quite fond of platypus; I smile every time I hear myself say it. For some reason, there happens to be ...

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September 14, 2020

From House to Apartment: Downsizing Strategies for Smaller Spaces

By Sean Ryan

Downsizing. The idea conjures images of sad faces carrying boxes of precious items. It's associated with loss, tragedy, and change. But what if you could spin it? Downsizing from a house into an apartment doesn't have to be painful. There are ways to ...

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August 19, 2020

5 Things Everyone Should Do Before Applying for a Mortgage

By Sabado Domingo

Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy? Applying for a mortgage is never an easy job. You can't change your income or credit history ...

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August 13, 2020

Are You Among the 20% Who Can’t Pay Their Mortgage?

By Chris Muller

How confident are you that you'll be able to pay your mortgage this month? If the answer is "not very," then you're not alone. In fact, according to a US Census Bureau survey, 20% of Americans said that they had "slight or no confidence" that they'd ...

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August 11, 2020

My 12th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

By Len Penzo

If our local high school decides to open its doors this year, the completely unappetizing daily lunch will be $3.75. For a family with two kids, that amounts to $1350 during the course of a 180-day school year. Oh, sure; $3.75 for lunch may sound ...

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August 10, 2020

The World’s Greatest Grilled Chicken Marinade Recipe

By Len Penzo

A couple years ago a friend of mine invited me and my family over for a backyard pool party and barbecue. Of course, everybody had a great time. What made that day at Andy's house particularly memorable was the grilled chicken he served. It was ...

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August 5, 2020

A Few Thoughts from Aunt Doris: A Cat’s a Cat and That’s That

By Aunt Doris

This is another post in an occasional series from my dear Aunt Doris, who passed away in 2015 at the age of 94. A dog will always greet you with eyes glazed with love, and a tail that nearly wags itself off. A cat merely tolerates ...

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July 30, 2020

8 Traits That Separate a Great Real Estate Agent from the Average Ones

By Jonathan Rogers

Whether you're an investor looking for a long-term relationship with a good estate agent, an entrepreneur just starting your career as an estate agent, or just a regular person who is hoping to become a homeowner someday, it's important to know the ...

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July 16, 2020

How Greenhouses Are Changing the Way We Eat

By Sabado Domingo

Whether you believe it is just due to natural cycles or not, the ever-changing climate will continue to transform our world. In some locations, crops may become harder to grow. The good news is, there are many people hedging their bets by turning to ...

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July 14, 2020

A Fun Way to Teach Your Toddler How to Save Money

By Leif Kristjansen

Teaching your kids about finance is important, but take a lesson from me: it's easier the earlier you start. My 3-year-old has been telling me I need to save more. And I write about saving money for a living! In fact, I told her that I needed to ...

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July 1, 2020

6 Valuable Improvements You Should Make Before Selling Your Home

By Sabado Domingo

Making improvements to your home is an exciting venture, you can experiment with different things and unleash your creativity. However, it's important to remember that any home improvements not only increase your home's value for you, but they also ...

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June 24, 2020

4 Reasons Why Electricity Prices Are Rising in Australia

By Tex Freitag

It has been more than a century since Australia began supplying electricity to its local populace. Melbourne was the first city to build a power station, illuminating the city's streets. At the turn of the century, nearly all streets in Australia ...

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June 3, 2020

Don’t Go Chasing Waterfalls: Is Flood Insurance Worth It?

By Tex Freitag

The entire cost of natural disasters in the US in 2019 was estimated at over $40 billion. Floods are one of the biggest contributors to this -- especially in areas prone to flooding. If you live in such an area, flood insurance is certainly something ...

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May 21, 2020

100 Words On: Why It Pays to Sleep on It Prior to a Big Decision

By Len Penzo

When youre facing an important financial decision, theres something to be said about taking a night to think it over. That's because, when it comes right down to it, most financial decisions aren't emergencies -- although a lot of folks might think ...

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May 21, 2020

How Do Solar Loans Work? Here’s a Simple Guide

By Tex Freitag

Are you passionate about the environment? Do you yearn to make your home even greener, utilizing renewable sources of energy to not only lower your energy bill but also reduce your carbon footprint? If so, then you need to consider installing ...

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May 21, 2020

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