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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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The 13 Most Important Items Everyone Should Keep in a Fireproof Safe

By Len Penzo

For some people, it's tough letting go. Of anything. Take my wife, for instance; she saves everything. The other day the Honeybee showed me her baseball ticket from our very first date way back on September 24, 1995. And if I ever feel oddly ...

Continue reading The 13 Most Important Items Everyone Should Keep in a Fireproof Safe

July 15, 2019

22 Home Hacks for Removing Common Stains (Part 2)

By Mikey Rox

Accidents happen, and they can totally put a damper on your otherwise positive demeanor if you don't know how to properly eliminate the stains they cause around the house. In case you missed it, you can check out the first 11 proven home hacks for ...

Continue reading 22 Home Hacks for Removing Common Stains (Part 2)

July 10, 2019

Grandfather Says: A 4th of July to Remember

By RD Blakeslee

Grandfather says Grandmother sewed period costumes for the family, which we wore to the nations bicentennial celebration in Washington, DC in 1976. Grandfather and family traveled to Wolf Trap National Park, where the day was celebrated by a ...

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June 27, 2019

When Is the Right Time to Buy a House, and What Purchasing Options Do You Have?

By Tex Freitag

Millennials have been slow to enter the home buying world; many carry huge debts from their college education. Others are still recovering from the Great Recession. Their hesitancy has confused the markets for new and previously-owned homes. The ...

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June 24, 2019

12 Ways to Splurge on Date Night Without Breaking the Bank

By Jennifer Landis

Couples who spend little time nurturing their relationships tend to drift apart; unfortunately, many people lead busier lives than ever. But what is existence all about, anyway? People weren't put on Earth simply to work, sleep and eat. Taking ...

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June 18, 2019

9 Movie Theater Extras That We Could All Do Without

By Len Penzo

Let me tell you, sometimes this working-for-a-living thing isn't all it's cracked up to be. For the past couple of weeks I've been in one of those high-pressure do-or-die phases that requires me to be at the office from six in the morning to six at ...

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June 17, 2019

8 Ways to Reduce Divorce Costs

By Tex Freitag

Getting a divorce is emotionally exhausting and usually financially draining; most people have to start their lives over. Some couples spend recklessly on their divorce without thinking about the consequences. With that in mind, here are several tips ...

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June 14, 2019

Why Do We Honor Kids Who Have Never Missed a Day of School?

By Len Penzo

The other day my daughter, Nina, got hit with a 24-hour flu bug that had her kneeling over the toilet all morning long. I felt bad for her, and don't know for sure where she picked it up, but that's not important. Right now I'm just waiting with ...

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June 3, 2019

Online Mortgage Deals: They’re Not Your Parents’ Home Loan

By Sabado Domingo

It's a pretty safe bet that when your parents were buying their first house, the only way to get a mortgage was to go directly to a bank -- or search around town for one of only a few mortgage brokers willing to help. Thankfully, times have ...

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April 10, 2019

Why Many People Are Choosing to Buy a Villa for Their Next Home

By Enero Febrero

Villas are the ultimate homes to live in. Modern villas are made from high quality building materials and user-friendly appliances, which makes the living experience even sweeter. These homes are designed for maximum comfort and habitability via the ...

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March 20, 2019

4 Smart Reasons for Tapping Your Home Equity

By Tex Freitag

Did you know that your home has a tangible value to it that you can use? The equity in your house is something that you can take advantage of, but only if you have a good reason to. Using your home's equity is basically like taking out a second ...

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March 8, 2019

Grandfather Says: The Difference Between Cats and Dogs

By RD Blakeslee

Grandfather has always lived with dogs, but now that he's married to a cat lady, it's: Grandfather admits he loves dogs, but he also admits cats are easier, at his age. And they do things differently than dogs. For example, cats ...

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March 7, 2019

How to Teach Your Kids to Be Responsible with Money

By Enero Febrero

When parents think of the important talks they'll have with their children, they usually think about subjects like sex, death, and religion. However, very few consider financial responsibility and money. Why not? Children don't really understand ...

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February 19, 2019

How Spending Money Can Help Your House Fetch a Higher Sale Price

By Tex Freitag

Putting a house up for sale is a lot more complicated than putting a 'For Sale' sign outside your house and phoning up a few real estate agents to manage the property. For one, there's the task of finding another place to stay while the house is ...

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February 6, 2019

6 Factors to Consider When Finding a Suitable Apartment to Rent

By Sabado Domingo

Many of us contemplate renting an apartment at some point in our lives. Perhaps you're moving out of your parents' home, you're taking a job in a new city, or you need a short-term rental until your home remodeling project has been completed. What ...

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December 25, 2018

4 Home Financing Options for People with Poor Credit

By Sabado Domingo

We've all heard the countless horror stories from our friends with poor credit. A poor credit score can absolutely ruin your finances and any future plans you may have had; this includes your ability to buy a new home or car, and can even affect your ...

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December 21, 2018

How to Maintain Financial Security as a Homeowner

By Enero Febrero

It's no secret that owning a home is an expensive investment. Not only will you have to secure its purchase, you also need to shoulder overhead costs and other expenses that will keep its value high. During these times, it's important to be wise ...

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December 12, 2018

How to Pick the Perfect Christmas Tree

By Len Penzo

When I was growing up I had a friend whose family used to put up an artificial aluminum Christmas tree every year; pink. I remember one particular Christmas that same family had an ornament of a smiling Elvis Presley hanging on their pink tree -- ...

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November 26, 2018

When Is the Best Age to Buy Your First Home?

By Tex Freitag

While there really isn't a "best age" to buy your first home, according to a study by Bankrate.com, everyone except the oldest Americans said the best time to buy your first home is at the age of 28. As a point of reference, the median age for ...

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November 22, 2018

How to Improve Your Marriage By Getting Out of Debt

By Sabado Domingo

When a couple gets married, they typically share their personal finances; this remains true of both assets and liabilities. When you got married, your significant other should have been made aware of any debts that you had in your name. If you did ...

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November 21, 2018

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