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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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 ...

Continue reading 4 Ways to Save Money On Long-Term Care Insurance

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

Grandfather Says: The Little Kite That Could

By RD Blakeslee

One day Grandfather made a "Little Kite that Could." About a half-century ago, the local Jaycees put on a kite building and flying contest. On the day of the event there was practically no wind and ordinary kites wouldn't fly at all. But ...

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August 22, 2019

How I Live on Less Than $40,000 Annually: Randy from Missouri

By Randy

My name is Randy and I recently discovered Len's website and learned about his $40,000 challenge. I've really enjoyed reading the stories of those $40,000 heroes. I am 44 years old and I'm a mechanical engineer by trade, but I've moved into ...

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August 19, 2019

How To Decorate Your New Home Without Breaking The Bank

By Sabado Domingo

Moving to a new place could be an expensive endeavor. Based on the layout of the new room, you may have to get different furniture to fit all your belongings neatly within the space. Trying to make your new home homey can have you furiously shopping ...

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August 15, 2019

7 Practical Ways to Start Teaching Your Kids About Finance

By Jennifer Landis

Did you know children form most of their attitudes about money before the age of seven? It's true. Which means if you're a new parent, your children are likely watching you and adopting many of your own attitudes surrounding greenbacks -- whether you ...

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August 13, 2019

5 Things You Need to Know About Your Mortgage When Getting a Divorce

By Tex Freitag

You finally have your dream home, but not your dream marriage; and getting a divorce could mean losing it. What happens with your mortgage during a divorce? Can you keep your home? Do you split the costs? Or should you sell? Here is everything you ...

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July 24, 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

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