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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How to Know If It’s Better to Renovate Your Current Home or Move

By Tex Freitag

Home buying is an emotional decision, seldom dominated by the most rational part of the mind. That's not to say that there is nothing practical about buying a home. But practicality is only one part of the equation. There's always a mix of practical ...

Continue reading How to Know If It’s Better to Renovate Your Current Home or Move

November 24, 2017

How Canadian Families Save Money on Groceries

By Barry Choi

My wife and I recently had a child. Though we'd planned for additional expenses, managing our budget has nonetheless been tough at times, particularly because we're operating on a single income. What we quickly realized when our daughter was born ...

Continue reading How Canadian Families Save Money on Groceries

November 22, 2017

6 Great Ideas for Getting the Most From Your Black Friday Budget

By Enero Febrero

Black Friday is approaching soon so begin making arrangements and get prepared if you want to exploit the great day. Of course, there will be plenty of extraordinary deals. For example, mobile phones like the Samsung Galaxy S and other items like ...

Continue reading 6 Great Ideas for Getting the Most From Your Black Friday Budget

November 21, 2017

Black Coffee: The Road to Zimbabwe Runs Through America

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. Can you believe Thanksgiving is almost ...

Continue reading Black Coffee: The Road to Zimbabwe Runs Through America

November 18, 2017

3 Tips for Financially Responsible Audi (and Other Luxury Car) Ownership

By Tex Freitag

Just about everyone underestimates the true cost of car ownership, especially those who can't resist the look, lines, and luxury of a higher-end brand vehicle like Audi. Despite superior design, it's not as if an Audi or similar luxury car can win ...

Continue reading 3 Tips for Financially Responsible Audi (and Other Luxury Car) Ownership

November 17, 2017

Recipe: Super-Easy Homemade Macaroni and Cheese

By Len Penzo

I love macaroni and cheese -- especially when it is made from scratch. Many people think macaroni and cheese originated when Thomas Jefferson first served it in the White House in 1802, but it probably originated in Europe much earlier than ...

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November 14, 2017

Black Coffee: Hedonic Adjustments, Fair Markets and Other Fish Stories

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 ...

Continue reading Black Coffee: Hedonic Adjustments, Fair Markets and Other Fish Stories

November 11, 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

No Soup For You: The Trouble with Some Dinnerware ‘Deals’

By Len Penzo

I remember the day we had our kitchen remodeled like it was yesterday. Part of the makeover included changing the kitchen's blue and white color scheme to an earth-tone motif anchored around brick red as the primary color. (Goodness, listen to me ...

Continue reading No Soup For You: The Trouble with Some Dinnerware ‘Deals’

November 6, 2017

Black Coffee: And for My Next Trick …

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. Are you ready? I know I am, so here we ...

Continue reading Black Coffee: And for My Next Trick …

November 4, 2017

The 3 Biggest Lies Stock Brokers Tell Their Clients

By Robert Farrington

The sad truth is that most stock brokers are sales people. While they have a more glamorous name, their profession is sales: selling investors like you on a product so they can get paid. And just like used-car salesmen, stock brokers have been known ...

Continue reading The 3 Biggest Lies Stock Brokers Tell Their Clients

November 1, 2017

Black Coffee: Bubble, Bubble, Toil and Trouble

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 was out of town and didn't get back ...

Continue reading Black Coffee: Bubble, Bubble, Toil and Trouble

October 28, 2017

4 Must-Read Personal Finance Books

By Kostas Chiotis

If you take time to focus only on the most important things, living a comfortable life will no longer be a vision but a reality. If you think that it is difficult to create their own strategy, then you can look for practical financial advice that can ...

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October 25, 2017

Super-Scary Halloween Fare: 5 Meals That Bite Back

By Len Penzo

When I was a kid I had a neighbor down the street that used to put on the best Halloween haunted houses. He used to set it up in his garage using black lights, cottony spider webs, and giant refrigerator boxes to make a scary maze that we had to walk ...

Continue reading Super-Scary Halloween Fare: 5 Meals That Bite Back

October 24, 2017

Black Coffee: The Ongoing ‘Battle’ Between Bitcoin and Precious Metals

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 ... "Price is what ...

Continue reading Black Coffee: The Ongoing ‘Battle’ Between Bitcoin and Precious Metals

October 21, 2017

A Comparison of Concealed-Carry and Self-Defense Insurance Options

By Len Penzo

After receiving my license to carry a concealed weapon, I decided that it was prudent to make sure that I also had insurance to cover any potential criminal- and civil-defense costs that could arise from an unthinkable situation where I'm forced to ...

Continue reading A Comparison of Concealed-Carry and Self-Defense Insurance Options

October 18, 2017

Black Coffee: Bulls & Pigs Make Money, Bears Get Slaughtered (Again)

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 ... "Never ...

Continue reading Black Coffee: Bulls & Pigs Make Money, Bears Get Slaughtered (Again)

October 14, 2017

5 Ways to Make Money While Riding Your Motorcycle

By Enero Febrero

In an economy as unstable as the one we've been living in over the past ten years, it's always nice when you can make a little extra money from your hobby or something you enjoy doing. For example, some artists paint or sculpt for pleasure, then sell ...

Continue reading 5 Ways to Make Money While Riding Your Motorcycle

October 14, 2017

5 Steps to Securing a Small Business Loan

By Sabado Domingo

It's tough out there in the business sector; especially when you're just starting out. To this end, a small business loan can be a great relief -- but only if you have a meticulous plan for securing the best one for your fledgling company. You can ...

Continue reading 5 Steps to Securing a Small Business Loan

October 13, 2017

4 Ways to Build Your Credit History Without a Credit Card

By Allan Smith

Unless you have more than enough cash at your disposal, you will definitely require credit during some point of your life. Irrespective of whether you're planning to buy a new home, a big-ticket luxury item, a car, or an apartment, your credit score ...

Continue reading 4 Ways to Build Your Credit History Without a Credit Card

October 11, 2017

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