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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Economic Collapse 101: Ten Ways to Prepare for the Unknown

By Len Penzo

Most folks are really good about making sure they have the proper amount of insurance for their home and automobiles. But when it comes to ensuring the survival of their family in rough economic times, well ... not so much. It's no secret that ...

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March 9, 2020

The 15 vs. 30 Year Mortgage Debate: Why a 30-Year Loan Is Better

By Len Penzo

According to Freddie Mac's most recent survey, there is currently a spread of about 0.5% between the 15- and 30-year fixed rate mortgage benchmarks. I think most people naturally assume that, when it comes to choosing between a 15- or 30-year fixed ...

Continue reading The 15 vs. 30 Year Mortgage Debate: Why a 30-Year Loan Is Better

February 24, 2020

Grandfather Says: The Boy Is ‘Just Who He Is’

By RD Blakeslee

Grandfather says his preparing for retirement boiled down to supporting and, to the extent needed, enabling the family members (particularly the wife -- permanent fixture -- kids, temporary) to live the lives they wanted to live in their best ...

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February 6, 2020

Grandfather Says: Grandfather’s Puppy

By RD Blakeslee

About a year and a half ago, Grandfather got himself a puppy! A companion for him as he enters his dotage. The little guy is a Maltese. Clyde is a great little guy. Maltese are very small; four to seven pounds is the normal weight in ...

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January 23, 2020

4 Tips for Making Your Daily Budget Planning Easier

By Sabado Domingo

It's easy to get caught up in a busy schedule and forget to manage your finances. Even if you have a budget plan for the month, sticking to it is tricky. But not to worry, as there are a few simple tips and tricks available that can help make the ...

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January 10, 2020

Grandfather Says: Twas a Time When Coal Was Used to Heat Houses

By RD Blakeslee

In 1930's Detroit, coal was the predominant fuel used for heating in the winter. The coal was delivered at grandfather's house by a chute from a coal delivery truck. The coal went through a basement window into a small room called the "coal bin." The ...

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December 26, 2019

4 Ways to Save Money On Long-Term Care Insurance

By Sabado Domingo

If you're like most other people, you're probably looking for a way to save money. If you're looking more closely at your budget, you're probably wondering about where costs can be cut, and where savings can be made. Cutting anything that isn't an ...

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December 25, 2019

Merry Christmas, Everyone!

By Len Penzo

Well, folks, I need to get my Christmas dinner in the oven today. I'm looking forward to enjoying a peaceful day with my family -- and maybe a football game or two! In the meantime, I just want to thank everyone who has taken the time to stop by ...

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December 25, 2019

7 Car Maintenance Tips Every Parent Should Share With Their Teenagers

By Tex Freitag

There comes a time in most parents' lives when they're pinning themselves against the passenger seat, hand firmly clutched around the grip handle, foot planted against the floorboard, as their beloved teenage driver takes to the road. In between ...

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December 20, 2019

Great Tips and Strategies for Successful Mortgage Refinancing

By Sabado Domingo

Whenever interest rates are rising, it's essential to be aware that the sooner you make the decision to refinance your mortgage, the better price you can expect to get. But this doesn't mean mortgage refinancing should be taken lightly, as it's a ...

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December 11, 2019

5 Tips for Saving on Your Pet Expenses

By Sabado Domingo

Pets are anything but a cheap investment today. In fact, the true cost of owning a dog or cat probably greatly exceeds what you previously thought. Of course, not all pets are created equally when it comes to expenses. Research shows that dog ...

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November 13, 2019

Grandfather Says: The Ghost of Major Alvah L. Miller

By RD Blakeslee

Grandfather remembers in awe his uncle, Alvah L. Miller. Major Miller died January 31, 1944, while in command of Darby's Rangers second battalion. The first, second and forth Ranger battalions successfully landed on the beach at Anzio, Italy, but ...

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October 31, 2019

Should You Buy a Diamond Engagement Ring from a Retailer or Wholesale?

By Sabado Domingo

So you've finally decided to take that next big step and get engaged -- but if you think making that decision was hard, then you're in for a ride, because the most common question that pops into the mind of someone getting engaged is what type of ...

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October 4, 2019

6 House Upgrades That Increase Property Values

By Sabado Domingo

The US home improvement market is strong at about $400 billion dollars per year. Many homes and rentals that once sat empty are now filling burgeoning housing needs. Those homes are often in need of renovation and house upgrades. Did you invest ...

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September 20, 2019

Grandfather Says: Great Grandfather’s Stained Glass Bullseye Windows

By RD Blakeslee

One of the most influential people in Grandfather's life as he was growing up was his maternal grandfather, Mr. James F. Miller. He lived for many years in an elegant old home in Saginaw, Michigan; a relic from the days when Michigan's virgin ...

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September 19, 2019

5 Awesome Benefits of Buying a Condo

By Sabado Domingo

Do you want to buy a home, but just don't have the money for it? Then consider buying a condo. Condos tend to be a lot cheaper than the average home and offer up a lot of great benefits. So, what are the benefits of buying a condo? Read on to ...

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September 13, 2019

How to Be Smart When Selling Your Mortgage Note

By Enero Febrero

So you've decided to sell your mortgage note. If you have never sold a mortgage note before, it can be difficult to know where to start. A mortgage note is a document that is signed at the closing of a mortgage that obligates the homebuyer to ...

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September 13, 2019

5 Creative Financing Options to Help You Buy a Home

By Sabado Domingo

The average American can no longer afford a home in around three-quarters of the country. And that's probably not surprising to anyone. On the one hand, the shocking increase in property prices has left many Americans in crippling debt, ...

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September 4, 2019

The Best and Worst Home Renovations for Maximizing Return On Investment

By Jennifer Landis

As a homeowner, you have a lot of freedom when it comes to how you make your home look. If you're living in your forever home, then renovate to your heart's content. But if you think there may be a chance you could end up selling your home one ...

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September 3, 2019

What to Look for When Hiring a Professional Gardening Service

By Sabado Domingo

Gardening can be a tough job. Having a garden is incredibly rewarding, especially if it's properly maintained, but if you want to maintain a garden that looks as stunning as possible and is as healthy as possible you'll need to put in a lot of work. ...

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August 30, 2019

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