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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Mastering the Art of Deal Hunting

By Sabado Domingo

Everybody loves a bargain. There are few better feelings in life than getting a sweet deal on something, and some people make it look like an art form. Some people just seem to get these good deals all the time. And when somebody else sees what a ...

Continue reading Mastering the Art of Deal Hunting

December 4, 2024

Investment Trusts: What Are the Signs It Aligns With Your Financial Goals?

By Tex Freitag

investment trust

Investing can be a complex journey, and choosing the right investment vehicle is crucial to achieving your financial objectives. Investment trusts, with their unique structure and potential benefits, have become a popular choice among investors. But ...

Continue reading Investment Trusts: What Are the Signs It Aligns With Your Financial Goals?

December 3, 2024

Retirement Planning: The Cost of Withdrawing Retirement Funds Too Early

By Antonio Fortunato

Deciding when to retire, and perhaps more importantly, deciding when to begin withdrawing funds from our retirement accounts is a major financial decision.  Unfortunately for some people with retirement assets the only “rule” in place is a tax ...

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December 3, 2024

How to Fix Your Personal Finances Using Duct Tape

By Len Penzo

While scouring the web for the best ways to fix your personal finances I became distracted. In fact, before I knew it I had run into this cool site that is devoted to the wondrous and wacky world of duct tape. Did you know that duct tape was first ...

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December 2, 2024

Black Coffee: A Recipe for Disaster

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. Another busy week is crossed off the ...

Continue reading Black Coffee: A Recipe for Disaster

November 30, 2024

Building Your Finances for Meeting Unplanned Healthcare Costs

By Sabado Domingo

Healthcare in the US is one of the leading causes of financial stress for citizens. According to the Commonwealth Fund, personal as well as in GDP, money spent on healthcare is higher in the US than in other high-income countries. For this reason, ...

Continue reading Building Your Finances for Meeting Unplanned Healthcare Costs

November 29, 2024

Mortgage Refinancing Pros and Cons

By Len Penzo

There are both good and bad reasons why homeowners should - or should not - refinance their mortgage. With that in mind, let's discuss some of the biggest mortgage refinancing pros and cons. Here are a few of the most common reasons why mortgage ...

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November 28, 2024

4 Things Everyone Should Know About Corporate Finance Lawyers

By Enero Febrero

Corporate finance is basically what makes the world go around, and every day there are hundreds of thousands of transactions between different corporations and commercial operators. When you have high numbers or transactions and a lot of money ...

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November 27, 2024

Holiday Parties: 5 Host Gifts That Won’t Break the Bank

By Corazon Gritar

The holiday season is upon us, and soon you'll begin receiving invitations for holiday parties. While holiday parties are part of what makes this time of the year so wonderful, they can also take a massive toll on your savings account. From buying ...

Continue reading Holiday Parties: 5 Host Gifts That Won’t Break the Bank

November 26, 2024

Is Earthquake Insurance Worth It?

By Len Penzo

When it comes to living in Southern California, earthquakes are a part of life. But don't be fooled: Earthquakes can happen anywhere. With that in mind, many people often ask me: Is earthquake insurance worth it? Thankfully, after 35 years of ...

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November 25, 2024

Black Coffee: A Lesson In Creative Accounting

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. I hope everybody had a wonderful week. ...

Continue reading Black Coffee: A Lesson In Creative Accounting

November 23, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 54

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: Trip to Alderney, English Channel Islands; A Dream Come True Ellen and I planned this trip, studying travel catalogs from ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 54

November 21, 2024

A Day in the Life of a Low Performer

By Paula Pant

A few months ago I read an interesting analogy in the book Talent is Overrated, by Geoff Colvin. The average low performer runner, says the author, thinks about anything besides than the painful fact that he's running. Elite runners, by contrast, ...

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November 20, 2024

How to Budget for Comprehensive Home Remodels

By Corazon Gritar

Embarking on a comprehensive home remodel is an exciting opportunity to transform your living space into the home of your dreams. However, without proper budgeting, costs can quickly spiral out of control. Knowing what to expect financially and how ...

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November 19, 2024

How to Find a Low-Cost Pest Control Company That Won’t Rip You Off

By Anum Yoon

Eventually, pests happen. Whether it's a rat or rodent infestation, a serious bug problem or something more serious like termites, you will need to hire a professional pest control company. In most cases, you can rely on them to rid your home of a ...

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November 19, 2024

5 Tips for Avoiding Buyer’s Remorse (That I Learned the Hard Way)

By Len Penzo

I think it's safe to say that, like the common cold, almost all of us occasionally suffer from buyer's remorse. Of course, avoiding buyer's remorse is everyone's goal; but nobody's perfect. So today, against my better judgment, I'm going to share my ...

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November 18, 2024

Black Coffee: Income & Outgo

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance. Well ... another busy week is behind ...

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November 16, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 53

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: I’ve looked back sometimes at minor little road scares and have been thankful that I made it through nine winters on mountain ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 53

November 14, 2024

6 Ways to Save Money Despite Living Paycheck to Paycheck

By Sabado Domingo

If you've been living paycheck to paycheck, starting a savings account might seem like an impossible feat. However, there are things you can do to save money, even if it's only a little bit at a time. For example: Shop Smarter One major reason why ...

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November 13, 2024

How to Protect Your Financial Data During the Holiday Shopping Hustle

By Mikey Rox

With all the fun and excitement the holidays bring, the last thing you want on your mind is if somebody is robbing you blind out in cyberspace. Guard yourself when shopping online during the holiday shopping hustle by following these six helpful tips ...

Continue reading How to Protect Your Financial Data During the Holiday Shopping Hustle

November 12, 2024

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