• About
  • $40K Challenge
  • Aunt Doris
  • Grandfather Says
  • Privacy
  • Archives
  • Disclaimer

Len Penzo dot Com

The offbeat personal finance blog for responsible people.

bullion star banner

Buyer Beware: 12 Things You Should Never Buy On Black Friday

By Len Penzo

While millions of shoppers will be out on Black Friday taking advantage of some really spectacular deals on everything from electronics and jewelry to even wine and automobiles, there are some items that will only see minor discounts -- or no ...

Continue reading Buyer Beware: 12 Things You Should Never Buy On Black Friday

November 18, 2015

How to Quickly Tell If Your Grocer’s Produce Is Genetically Modified

By Len Penzo

It's a no brainer: if you want to be healthy you'd have to eat more fruit and vegetables -- but there's a caveat. Pesticide residue that's left on produce can lead to a variety of ailments over the long term. Pesticides can accumulate inside the body ...

Continue reading How to Quickly Tell If Your Grocer’s Produce Is Genetically Modified

December 23, 2014

Infographic: How Age Affects Our Holiday Shopping Habits

By Len Penzo

With Black Friday behind us, the traditional start of the holiday shopping frenzy is finally here. But, as a recent survey by Credit Karma suggests, holiday shopping habits are heavily dependent on how old you are. For example, it turns out that the ...

Continue reading Infographic: How Age Affects Our Holiday Shopping Habits

December 3, 2014

Effective Negotiating Tactics Everyone Should Know (Part 2)

By Len Penzo

This is Part 2 of a two-part series on negotiating tactics. If you missed it, here is Part 1. I've always believed that one of the most important life skills that every person should have mastered before setting out on their own is the art of ...

Continue reading Effective Negotiating Tactics Everyone Should Know (Part 2)

December 2, 2014

Infographic: How the American Dream Is Getting More Expensive

By Len Penzo

No, it's not your imagination. The cost of maintaining the American dream is getting harder with each passing year. To illustrate, the folks from Vouchercloud have put together a detailed graphic that succinctly summarizes price increases since 2004 ...

Continue reading Infographic: How the American Dream Is Getting More Expensive

October 7, 2014

Why Doing Lines on Black Friday Isn’t All It’s Cracked Up to Be

By Len Penzo

Despite the conventional wisdom, Black Friday is not the busiest shopping day of the year. Most procrastinators know that honor belongs to the Saturday before Christmas. Black Friday has changed over the past decade or two, and the Internet has a ...

Continue reading Why Doing Lines on Black Friday Isn’t All It’s Cracked Up to Be

November 28, 2013

Are You Smarter Than a 5th Grader? Guess Which Item Costs More.

By Len Penzo

Last night I was doing a little shopping on Amazon and I came across an item that was being offered for sale by two different vendors. Here was the price summary that appeared on my screen: So, which item is the better bargain? On first ...

Continue reading Are You Smarter Than a 5th Grader? Guess Which Item Costs More.

July 9, 2013

The Trouble with Buying Movie Tickets Over the Internet

By Len Penzo

We all come across things in life that are wildly popular, even though it makes little sense to us. Take "Duck Dynasty" -- going into its fourth season, it's one of the hottest shows on cable television. I recently watched a couple of episodes ...

Continue reading The Trouble with Buying Movie Tickets Over the Internet

July 1, 2013

9 ‘Oops’ Moments That I Ultimately Paid For (One Way or Another)

By Len Penzo

Last week I needed to venture into my attic to check on some rat traps, so I grabbed my flashlight to help me navigate my way through the rafters. As luck would have it, the flashlight wasn't working; the last person who used it forgot to turn the ...

Continue reading 9 ‘Oops’ Moments That I Ultimately Paid For (One Way or Another)

February 25, 2013

Essential Tips for Lowering Your Grocery Bill (Part 3)

By Len Penzo

This is final post in my three-part series outlining essential tips that the Penzo household follows for keeping our grocery bills under control. Of course, there are many methods for cutting the grocery bill that go way beyond shopping at ...

Continue reading Essential Tips for Lowering Your Grocery Bill (Part 3)

December 27, 2012

Essential Tips for Lowering Your Grocery Bill (Part 2)

By Len Penzo

Food isn't cheap. Want proof? Then chew on this: I spent almost $12,000 in groceries last year for my four-person family, including two teenagers. And what's really scary is that I work very hard to keep my food bill as low as possible every ...

Continue reading Essential Tips for Lowering Your Grocery Bill (Part 2)

December 26, 2012

Essential Tips For Lowering Your Grocery Bill

By Len Penzo

One of the big reasons the Honeybee has tolerated me for so long is because I love to cook. Some of you fellas out there would be wise to keep that in mind. Why is that, you ask? Well, it's somewhat ironic, but the fact remains, the more time men ...

Continue reading Essential Tips For Lowering Your Grocery Bill

December 24, 2012

15 Reasons Why Waterbeds Are For Suckers

By Len Penzo

Sometimes people buy things that they eventually end up regretting. I know I've got a long list. I've already explained why corner lots and whirlpool tubs are for suckers. Today, I've got two words for anybody out there who is currently ...

Continue reading 15 Reasons Why Waterbeds Are For Suckers

December 3, 2012

Why I Refuse to Get Upset By Subtly Deceptive Advertising

By Len Penzo

Last weekend I was lured to an online calendar website with the following promise: "Everything up to 60% off!" Sixty percent! While I was visiting there I found a calendar that was on sale for $13.49 -- $1.50 off the regular price of ...

Continue reading Why I Refuse to Get Upset By Subtly Deceptive Advertising

November 28, 2012

Cheap Thrills: 6 Awesome Halloween Movies That Aren’t Scary

By L Bee

Everyone knows that staying at home and watching a movie is one of the cheapest ways to share a night, but that can often get tiresome. There's something about the Halloween holiday season that brings the notion back to life, as Halloween movies are ...

Continue reading Cheap Thrills: 6 Awesome Halloween Movies That Aren’t Scary

October 24, 2012

Are You Smarter Than a 5th Grader? Then Guess the Price of This.

By Len Penzo

Last week while we were shopping for groceries in a Hawaii supermarket, I was reminded of why folks should always be vigilant when it comes to finding the best deals. The supermarket was offering two sizes of All Stainlifter laundry detergent as ...

Continue reading Are You Smarter Than a 5th Grader? Then Guess the Price of This.

July 25, 2012

Sometimes It Pays Not to Look for the Best Deal

By Len Penzo

Although it's hard for me to believe, my humble home recently turned 14-years-old. So, as you might expect, a lot of the original appliances we bought when we first moved in -- or were included with the brand new house -- have been acting up for ...

Continue reading Sometimes It Pays Not to Look for the Best Deal

March 14, 2012

My Potato Chip Taste Test: Are Lay’s Really Worth Paying More For?

By Len Penzo

Potato chips are big business. According to AIB International, over $7 billion of the salty snacks were were consumed in 2009. It's been reported that over 1.2 billion pounds of potato chips are consumed annually; I know I'm probably good for ten ...

Continue reading My Potato Chip Taste Test: Are Lay’s Really Worth Paying More For?

January 9, 2012

My BBQ Sauce Taste Test: My Family Bucks Conventional Wisdom (Again)

By Len Penzo

Depending on who you talk to, barbecue sauces have been around since the days of the American colonies. Wikipedia claims that the first commercial barbecue sauce appeared around 1909. I know; please don't grill me on my source, folks. And while most, but not all, barbecue sauces include some secret blend of ketchup, mustard, vinegar, sugar, onion, and garlic, in the United States there are a multitude of different barbecue sauce styles. For example, there's Kansas City, Memphis, Texas and Alabama styles. There's also South Carolina Sauce, East Carolina Mustard Sauce, and even something called a Lexington Dip, which if you ask me, sounds more like a dance move than a barbecue sauce. Obviously, it's a matter of personal preference, but one thing is certain: there are as many barbecue sauces out there as there are opinions as to which one reigns supreme. If you don't believe me, walk down the barbecue sauce aisle at your local supermarket. With that in mind, I figured what better reason to conduct yet another of my completely unscientific blind taste-test experiments? How the Test Was Conducted As with most of my other taste tests, I recruited a bunch of hungry family members for my expert panel. This time everyone convened in San Diego for a summer cookout at my cousin Kevin's house. With the panel in place, Kevin and I barbecued up a whole bunch of chicken wings and the candidate sauces were applied from unmarked bowls. After tasting a slathered barbecue chicken wing, the experts were asked to rank each sauce on a simple four-point scale -- four points for their favorites or as few as one point for those they didn't like at all. The panel was also free to note any accompanying comments they had regarding each sample. The Expert Panel Before we get to the results, let's once again meet our distinguished panel of experts: Aunt Doris Birthplace: London, England Age: Unless you're the Queen, it's none of your darn business. Best advice ever given to her: Shut up! (Doris only gives advice nowadays.) Dad Birthplace: Youngstown, Ohio Age: 74 Best advice ever given to him: Know what your first priority in life is. Tony Birthplace: New Haven, Connecticut Age: 68 Best advice ever given to him: If it sounds too good to be true, then it is. . Mom Birthplace: Youngstown, Ohio Age: 70 Best advice ever given to her: "I'm so old I don't remember." Rose Birthplace: Los Angeles, California Age: What Aunt Doris said. Best advice ever given to her: Don't ever get old. (Good luck with that. Right, Mom?) Kevin Birthplace: Youngstown, Ohio Age: 58 Best advice ever given to him: Read the four Gospels. (And for you atheists: measure twice, cut once.) Chris Birthplace: Hemet, California Age: As old as her tongue, but not as old as her teeth. Best advice ever given to her: Obey God and leave all the consequences to Him. The Honeybee Birthplace: Whittier, California Age: 43 Best advice ever given to her: Your husband Len is always right. (Okay, you got me. I made that one up.) Evan Birthplace: Escondido, California Age: 32 Best advice ever given to him: Never quit! Matthew Birthplace: Fontana, California Age: 14 Best advice ever given to him: Get off the Xbox and go play outside. Nina Birthplace: Fontana, California Age: 11 Best advice ever given to her: Remember to wash your hands. By the way, for the first time ever, my dog, Major, was unceremoniously left off the tasting panel. Don't worry; he'll get over it. Introducing The Barbecue Sauce Competitors While my supermarket had a score of barbecue sauces to choose from, I selected the "Original" varieties of the following seven brands: Bull's-Eye, Hunt's, KC Masterpiece, Jack Daniel's, Tony Roma's, the Albertsons store-brand and, my family's personal favorite, Sweet Baby Ray's. Here now, in reverse order from worst to first, are the completely unscientific barbecue sauce blind taste test results, based upon the inputs of my expert panel: 7. Sweet Baby Ray's Original Barbecue Sauce Price per ounce: $0.21 Panel Scoring: 23 points Average Score (4-point scale): 2.1 Judges Who Gave It a Top Rating: 0 Judges Who Thought It Stunk: 1 Well, this is embarrassing. Apparently, our so-called family favorite isn't quite as good as we thought it was. Even more surprising, not a single panel member ranked this as a top sauce, which is problematic considering it was the second most expensive brand sampled. Ironically, the Honeybee, who usually swears by Ray's, complained that, "it didn't have much flavor." Another self-proclaimed Ray's fan, Kevin, gave it demerits for being sugary. My cousin Evan suggested that the poor rankings were because Sweet Baby Ray's sauce goes better with pork. 6. Albertsons Original Barbecue Sauce Price per ounce: $0.17 Panel Scoring: 27 points Average Score (4-point scale): 2.5 Judges Who Gave It a Top Rating: 1 Judges Who Thought It Stunk: 3 Nina was the only member of the panel to give the store-brand sauce a top mark, noting it was "tangy and addictive." You know what? I'm moving on -- I'm still in shock Ray's came in last place. 5. Tony Roma's Original Barbecue Sauce Price per ounce: $0.19 Panel Scoring: 27 points Average Score (4-point scale): 2.5 Judges Who Gave It a Top Rating: 4 Judges Who Thought It Stunk: 4 Four members thought enough of Tony Roma's to give the sauce top marks; Chris thought it had a "great barbecue flavor" and Mom praised its "really good taste." But just as many panelists thought otherwise. Kevin ribbed the Tony Roma's barbecue sauce for tasting "artificial, although not bad for colored gelatin." The Honeybee piled on by remarking that it tasted so much like ketchup that it was better-suited for a weenie roast. Then you have my handyman father-in-law, Tony, who summed it more succinctly: "It sucked." 4. KC Masterpiece Original Barbecue Sauce Price per ounce: $0.19 Panel Scoring: 28 points Average Score (4-point scale): 2.5 Judges Who Gave It a Top Rating: 1 Judges Who Thought It Stunk: 2 KC Masterpiece is generally recognized as one of the better mainstream barbecue sauces. However, for this test it ended up looking more like, well, just a decent lithograph. The Honeybee was the only panelist to give KC Masterpiece top honors, but Kevin enjoyed the sauce too, noting its pleasing "woody aroma." In a dissenting opinion, however, Chris beefed that the barbecue sauce simply tasted too much like ketchup. 3. Bull's-Eye Original Barbecue Sauce Price per ounce: $0.19 Panel Scoring: 30 points Average Score (4-point scale): 2.7 Judges Who Gave It a Top Rating: 2 Judges Who Thought It Stunk: 1 This barbecue sauce got blue ribbons from both my kids. Matthew, in particular, thought the Bull's-Eye brand hit the mark for its "smokey flavor." 2. Jack Daniel's Original Barbecue Sauce Price per ounce: $0.22 (the most expensive of all brands tested) Panel Scoring: 30 points Average Score (4-point scale): 2.7 Judges Who Gave It a Top Rating: 5 Judges Who Thought It Stunk: 3 Jack Daniel's barbecue sauce is manufactured by Heinz, and it got more top-scores than any of the other competitors. Nina noted that she would give it a higher score if she could. Meanwhile, both Aunt Doris and the Honeybee -- who coincidentally happens to a big fan of Jack Daniel's whiskey -- praised JD's barbecue sauce for its distinctive hickory flavor. Interestingly, those who didn't like the Jack Daniel's sauce dinged it for being just a bit too hickory flavored. 1. Hunt's Original Barbecue Sauce Price per ounce: $0.11 (the least expensive of all brands tested) Panel Scoring: 32 points Average Score (4-point scale): 2.9 Judges Who Gave It a Top Rating: 4 Judges Who Thought It Stunk: 1 Ah, the grill of victory! Incredibly, as with my ketchup taste test, the least expensive brand in the survey once again came out on top. Evan thought the Hunt's had a delicious sweetness to it. Rose agreed, giving it top marks for being "sweet, but not overly so." Dad liked Hunt's savory mix of spices, Kevin thought it was "perfect," and Tony thought it had a "great BBQ flavor." The only one who flat out didn't like the Hunt's was Nina, who remarked that the flavor was "just wrong." I Know What You're Thinking ... Hunt's barbecue sauce? Are you kidding me? Say what you will about this experiment's unscientific methods, but it was a fair fight. After all, the blind taste test goes a long way toward eliminating preconceived notions and biases that would otherwise subtly influence the panel members' decisions. Is Hunt's barbecue sauce "sexy?" Um, no. But in the end, Hunt's was not only the least expensive brand of all those sampled, but my expert panel also found it to be the best tasting barbecue sauce of them all   -- and that's good enough for me. Photo Credit: Public Domain Photos ...

Continue reading My BBQ Sauce Taste Test: My Family Bucks Conventional Wisdom (Again)

August 15, 2011

How to Choose a Reasonable Health Care Plan on a Budget

By Guest

by Patricia Walling Every year there are millions of Americans who struggle to afford health care. This can be due to insurance companies raising premiums, but there can be other reasons too. For example, many people who are either unemployed or self-employed (such as per diem nurses or those in other health care professions like medical coding) are unable to get the discounts that many companies offer to their employees. Many employers who have simply stopped offering health care as a benefit. As a result, many people struggle to find a reasonable health care plan that fits within their budget. Luckily, there are options available that can help provide yourself with reasonably priced health coverage. And though it may cost a little more than you'd like,  paying for health insurance before you get sick or injured is usually a much better alternative than paying medical bills out of pocket. Here are a few basic tips to consider when you're looking to choose a reasonable health care plan on a budget. Stick to the Basics Basic coverage policies differ a little bit depending on the insurance provider. Of course, these are no-frills policies that generally cover doctor visits and reduce the amount the policy holder has to pay for prescription medication. That doesn't mean they aren't worth it; when you are sick, one trip to the emergency room or a walk-in clinic can cost more than six months of coverage. Consider an HMO Plan If you visit the doctor often, an HMO may be the most cost-effective way to manage your health care as preventive services like physicals are often provided at no extra cost. An HMO is where you use in-network doctors. Thus it is important to remember that even though your favorite doctor may be right around the corner, if he is not in the network you probably won't be able to see him. Consider High Deductible Plans Each year, more and more people are choosing to go with high-deductible plans because they are generally very affordable. These plans are meant to protect you from a catastrophic injury or illness. Because these plans have very high deductibles, they will not protect you from having to pay out of pocket expenses for minor injuries and illnesses. Shop Around Always shop your options. Although many insurance companies advertise that they have low prices, but you won’t really know if they’re truly low unless you get comparison rates. Find out what the rates are for at least two or three insurance providers and then make your decision once you have some actual facts. Pay on Time No matter which option you choose, always make sure to budget properly and pay your premium on time. If you neglect to pay on time, your insurance provider could pause or cancel your coverage. Timing is everything and chances are when your coverage is suspended is when you will need it most. Purchasing health insurance can be an expensive undertaking. The choices you make will affect your future should you get sick or injured, so it is crucial to chose wisely when selecting a plan for you and your family. Photo Credit: rosmary ...

Continue reading How to Choose a Reasonable Health Care Plan on a Budget

July 13, 2011

  • « Previous Page
  • 1
  • …
  • 9
  • 10
  • 11
  • 12
  • Next Page »

Copyright © 2025 Len Penzo dot Com · All Rights Reserved · Designed by Nuts and Bolts Media

© Len Penzo dot Com 2008–2025

Get Len Penzo dot Com delivered weekly!

Join our family of more than 40,000 happy subscribers!

Invalid email address
We promise we'll never spam you. You can unsubscribe at any time. 
Thanks for subscribing!