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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Can Hybrid and Electric Cars Save You Money?

By Sabado Domingo

The invention of the car in the late 19th century was a game changer for what the world had been, and what it was going to become. There are few, if any, people who could imagine what it would be like not to have access to a car today. Sure, there ...

Continue reading Can Hybrid and Electric Cars Save You Money?

December 6, 2017

12 Classic Toys from the Past and What They’re Worth Now

By Len Penzo

We all had our favorite childhood toys when we were growing up. For me, it was my old Tonka trucks -- I had an entire fleet of them that I regularly used to help me carve miniature highways and water canals out of a large dirt planter in our front ...

Continue reading 12 Classic Toys from the Past and What They’re Worth Now

December 4, 2017

Black Coffee: The Relentless Rise of Bitcoin (and Signs of a Bubble)

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 little more than three ...

Continue reading Black Coffee: The Relentless Rise of Bitcoin (and Signs of a Bubble)

December 2, 2017

10 External Funding Options for Startup Business Owners

By Sabado Domingo

Planning how to fund your business at various stages is part of being a business owner. Most companies need external capital at some point in the life of the company. There are two main ways to raise capital: debt and equity. With debt, you borrow ...

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November 30, 2017

6 Money-Saving Tips for Getting the Best Price on Life Insurance

By Len Penzo

Although everyone prays they'll never have to use it, buying insurance is something that we all have to do as responsible adults. Life insurance, in particular, is especially important because it protects your family by providing for your dependents ...

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November 28, 2017

Black Coffee: Conniving Croupiers and Counterparty Risk

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. As always, if you enjoy what you read ...

Continue reading Black Coffee: Conniving Croupiers and Counterparty Risk

November 25, 2017

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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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

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