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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Pick the Perfect Christmas Tree

By Len Penzo

When I was growing up I had a friend whose family used to put up an artificial aluminum Christmas tree every year; pink. I remember one particular Christmas that same family had an ornament of a smiling Elvis Presley hanging on their pink tree -- ...

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November 26, 2018

Black Coffee: Figuring Out the Difference Between Crazy and Insane

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 everyone had a terrific ...

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November 24, 2018

5 Reasons Why Banks Aren’t the Best Bet for Start-Up Loans

By Tex Freitag

The growth of startups worldwide has been nothing short of phenomenal over the last five to ten years. That growth is reflected in funding, which grew some 1400% between 2012 and 2017. Venture capitalists and lenders pumped $15 billion into US ...

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November 23, 2018

100 Words On: Why Folgers Coffee Is More Expensive Than You Think

By Len Penzo

All things considered, most coffee drinkers realize that brewing their java at home is significantly more cost effective than buying it from Starbucks. However, those who use a typical automatic drip coffee maker may not be saving quite as much as ...

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November 22, 2018

When Is the Best Age to Buy Your First Home?

By Tex Freitag

While there really isn't a "best age" to buy your first home, according to a study by Bankrate.com, everyone except the oldest Americans said the best time to buy your first home is at the age of 28. As a point of reference, the median age for ...

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November 22, 2018

How to Improve Your Marriage By Getting Out of Debt

By Sabado Domingo

When a couple gets married, they typically share their personal finances; this remains true of both assets and liabilities. When you got married, your significant other should have been made aware of any debts that you had in your name. If you did ...

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November 21, 2018

The End of the Almighty Dollar: Why a Gold Standard Return Is Inevitable

By Len Penzo

After the US decoupled the dollar from gold in 1971, officially converting the US dollar into a pure unbacked fiat currency, the power of Wall Street was unleashed. It's no coincidence that, in the years that followed, Wall Street eventually became ...

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November 19, 2018

Black Coffee: Red Ink and Blue Wire

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. Okay, away we go ... "With the ...

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November 17, 2018

What You Need to Know Before Hiring a Concrete Contractor

By Enero Febrero

If you're like most people, you may have the perception that a contractor may be expensive. You may be thinking that it would be nice to not have to do something yourself, but is it actually worth the money to pay the contractor? Thankfully, there ...

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November 16, 2018

Grandfather Says: Recipes, Recipes, Recipes!

By RD Blakeslee

Approximately two hours of his day (mealtime) are hostage to food preparation recipes. That's mostly good; cooks like to do well for their diners. But Grandfather says just look at how many vittles mixer-upper publications are in his ...

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November 15, 2018

The Stock Market: A Brief History and Its Impact on National Economies

By Tex Freitag

It doesn't matter whether you are interested in how a country's economy works or not, one way or another, the term "stock market" might have made its way to your ear. If you haven't heard about it, then the simple way to define the stock market is: ...

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November 14, 2018

4 Things You Need To Know About Car Title Loans

By Enero Febrero

Before getting into the nitty-gritty details of car title loans, we must first understand what a title loan is. A title loan is a loan where the owner of an asset gives the title to a creditor who lends him money in exchange. The giving of the title ...

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November 13, 2018

My Margarine Taste Test: Which Brand Tastes Most Like Butter?

By Len Penzo

Did you know margarine was invented in 1869 after a challenge from Emperor Louis Napoleon III, who was looking for a satisfactory low-cost substitute for butter that could be used by commoners and his military? It was. Over the years, butter ...

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November 12, 2018

Black Coffee: Rich Men, Poor Men

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. Let's get right to it this week ... "If ...

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November 10, 2018

Grandfather Says: The Veterans’ List

By RD Blakeslee

Grandfather says he is a veteran, and his son served during Desert Storm. With the help of the local newspaper, Grandfather compiled a list of veterans of World War I, World War II, the Korean War, and the Vietnam War. Many of the letters that ...

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November 8, 2018

A Few Thoughts from Aunt Doris: The Gift of Laughter

By Aunt Doris

I do love to laugh. Even as a kid, any crying always ended in laughing. In this day and age of complaining, protesting and general worry, it's what we all need. It can help in the most dire of times. In World War II, during the bombing of ...

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November 7, 2018

Black Coffee: Is Inflation Coming Like a Thief In the Night?

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. We've got a lot to cover this week, so ...

Continue reading Black Coffee: Is Inflation Coming Like a Thief In the Night?

November 3, 2018

Here’s a Look at Two Ways to Secure Home Financing

By Sabado Domingo

If you're thinking of buying a home, you will have to make sure you consider different financing options. This is one aspect you shouldn't take lightly, as homes aren't cheap. In fact, as the property market continues to reel from the effects of a ...

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November 2, 2018

100 Words On: Confusing Equal Opportunity with Equal Outcome

By Len Penzo

Like it or not, some Americans will always have to work harder than others to succeed. The economist Milton Friedman noted that the word "fair" isn't in the Declaration of Independence, Constitution, or the Bill of Rights; those documents do, ...

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November 1, 2018

5 Affordable Yet Elegant Bathroom Designs

By Enero Febrero

Bathroom design and remodeling is trending on the Internet these days. Believe it or not, the bathroom is actually a part of the home that says more about your lifestyle and personality than what a living room decor or new car can tell people. With ...

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October 31, 2018

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