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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Minimizing Legal Fees with Online Legal Forms and Services

By Sabado Domingo

Trying to afford legal fees can be quite difficult. Despite that challenge, legal matters aren't the type of thing you want to ignore. Thankfully, there are forms and services online that can help you to handle your legal matters in an affordable ...

Continue reading Minimizing Legal Fees with Online Legal Forms and Services

February 13, 2019

How Technology Has Changed Investing

By Enero Febrero

During the past 15 years, various new technologies have been introduced into the financial markets, and this has completely changed the face of investing as we know it. After all, the essence of introducing any new technology is to make life easier ...

Continue reading How Technology Has Changed Investing

February 1, 2019

Your Online E-commerce Checklist to Success

By Larisa Wong

Running an online business can be a great deal of fun and yet, effort is required if you hope to achieve success from a long-term point of view. This is why it is important to start the new year with the right mentality as well as why you should be ...

Continue reading Your Online E-commerce Checklist to Success

January 31, 2019

The 4 Coolest Kid Phones For 2018

By Enero Febrero

Kids are often seen spending time checking out games, interesting resources and learning tools on their smartphones and tablets. A good phone with a horde of exciting features is all you need to get your kid hooked on cutting edge technology. With ...

Continue reading The 4 Coolest Kid Phones For 2018

August 8, 2018

Exploring the Benefits of the MetaTrader 5 Mobile Platform

By Enero Febrero

The forex trading market is a liquid financial and active entity in the world, generating normal trading volumes of more than $5 trillion. That is a tremendous figure, and one that sufficiently reflects the popularity of the market and its ...

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July 6, 2018

Stop Pouring Money Down the Drain: 9 Ways to Conserve Bathroom Water

By Chris Long

When you realize that half of a household's water usage occurs in the bathroom, and that greener versions of toilets and faucets -- like those found in new homes from green builders -- can save an average American family up to 11,000 gallons per ...

Continue reading Stop Pouring Money Down the Drain: 9 Ways to Conserve Bathroom Water

January 10, 2018

Here is Everything You Need to Know About the iPhone X

By Tex Freitag

If you're a fan of the iPhone line of smartphones, you may be asking yourself if you should upgrade to the iPhone 8, which looks and works like previous, or make the jump to the all-new iPhone X. There are reasons to hesitate before taking the ...

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December 19, 2017

6 Personal Finance Tools for College Students

By Sabado Domingo

As kids head off to college, they face a range of new temptations that can drain their financial resources. For many parents, the fear of a child falling into financial trouble is as deep as concern over academic performance. Unlike a semester of ...

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November 7, 2017

Analyzing The Rise of OmiseGO: Ethereum’s First Unicorn

By Tex Freitag

The ETH blockchain has its first unicorn: OmiseGO. With the premise of "unbanking the banked," OmiseGO wants to disrupt the actual scheme of economy by bringing more power to the people and less to the banks. Nonetheless, this article won't ...

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September 23, 2017

How to Find the Cheapest Broadband So You Can Save a Small Fortune

By Sabado Domingo

The days when only a few people had access to the Internet are long gone. The Internet now provides us with endless information and has near endless uses -- so having reliable access is a must in today's world. But what do you really need in an ...

Continue reading How to Find the Cheapest Broadband So You Can Save a Small Fortune

August 18, 2017

How Businesses Limit Damage from Toxic Plugins, Software & Hardware

By Tex Freitag

The tech services giant, IBM Corporation, suffered a recent embarrassment when it was forced to issue an alert on its support site notifying its customers that it had shipped malware-infected USB flash drives. The fact that this problem hit a large ...

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July 14, 2017

Why the New Face of Money Management Is Making Walk-in Banks Obsolete

By Len Penzo

Due to advancements in technology, the ever-growing mobile trend, and society's desire for convenience, the face of money management is evolving. In the past, everything was done manually and was centered on brick-and-mortar banking institutions. ...

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September 13, 2016

The Price of Silence: How to Stop Annoying Dogs That Bark Constantly

By Len Penzo

When I was in high school, I had a classmate named Steve Kowolski who used to bug the bejesus out of me and my buddies. Okay, to be honest, Steve's last name wasn't Kowolski -- although he did have a last name that ended in "ski." Anyway, the ...

Continue reading The Price of Silence: How to Stop Annoying Dogs That Bark Constantly

May 23, 2016

My Porch Remodel (Phase 2): Hardscape, Railing and Total Project Cost

By Len Penzo

Well, it took a couple of months longer than the Honeybee and I originally anticipated, but after a few delays due to uncooperative weather, supplier issues, and one less-than-scrupulous contractor, we finally completed our porch remodel ...

Continue reading My Porch Remodel (Phase 2): Hardscape, Railing and Total Project Cost

May 9, 2016

My Porch Remodel (Phase 1): New Columns and the Hunt for Obsolete Bricks

By Len Penzo

I've already shared my remodeling adventures with our kitchen and master bathroom -- so I thought I'd share our latest home improvement sojourn. After 18 years, the Honeybee and I finally decided to give our front porch an upgrade. To be honest, ...

Continue reading My Porch Remodel (Phase 1): New Columns and the Hunt for Obsolete Bricks

February 10, 2016

A Simple Trick to Get iTunes Songs at a Significant Discount

By Len Penzo

I've written before about my insatiable addiction to iTunes; it's one of the biggest money leaks I have to deal with on a monthly basis. Believe it or not, some months I'll spend upwards of $100 on iTunes songs for my iPod, although I'm trying my ...

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March 28, 2011

Solving the Mobile Internet Puzzle

By Len Penzo

by Rob Clymo Being able to access the internet and your email, no matter what the location is an incredibly handy thing to have. Thanks to a wealth of deals, it's now quick, easy and relatively cheap for anyone to get connected too with a simple ...

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November 6, 2010

The Great Debate: Do Kids Really Need Their Own Cell Phone?

By Len Penzo

Last week I shared the story about my $1055 cell phone bill, courtesy of my teenage son. The article seemed to, um, resonate with a lot readers, not only here but at MSN where it was also featured as a guest post, and on Digg, where at last count it ...

Continue reading The Great Debate: Do Kids Really Need Their Own Cell Phone?

July 26, 2010

Why Rechargeable Batteries Are Rarely Cost Effective

By Len Penzo

I was standing in line at a local electronics store the other day when I struck up a conversation with the guy ahead of me who had a basket full of battery chargers and AA rechargeable batteries. It turns out he had decided to replace all of the ...

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September 15, 2009

The REAL Cost of Owning Wireless Mice and Keyboards

By Len Penzo

When the Honeybee and I bought our last computer, there was quite a debate over whether or not we should pay the extra money for the added convenience of a wireless keyboard and/or mouse.   The fear, of course, was in the uncertainty of whether or not we would end up spending a small fortune over the life of the computer buying replacement batteries. We ultimately decided to Heck with it (wherever that is) and went the wireless route, not only for the convenience, but also because of the neatness that comes with having two less wires attached to our iMac. Of course, being the financial nut that I am, I decided to track how often I changed the batteries so I knew how much I was paying on top of the premium I originally paid for the wireless devices. For the record, our keyboard and mouse get heavy use; I would conservatively estimate that our computer is in use, on average, ten hours per day. So with that information in mind, here is a summary of all the battery changes for our wireless keyboard and mouse since we got our new computer approximately 18 months ago: So how much money has that set us back? If you buy in bulk like we do, you can get quality AA alkaline batteries for 40 cents each in reasonable quantities for the average household.   That means we have spent only $18.40 plus tax for our wireless keyboard and mouse batteries in a year and a half.   Excluding the original premium, of course, that comes out to only a dollar per month - well worth the convenience over their traditional wired counterparts, if you ask me!   :-) In fact, that cost is so low it certainly doesn't come close to justifying the initial charger and battery costs we would have to pay to switch over to rechargeable batteries. In my next post I'll not only explore why that is so, but I'll also address why rechargeable batteries actually make less financial sense than many people think.    :-) Hey! If you liked this article, please be sure to subscribe to my RSS feed! ...

Continue reading The REAL Cost of Owning Wireless Mice and Keyboards

September 12, 2009

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