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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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The Honeybee Helps Me Review Blue Apron’s Home Delivery Meal Service

By Len Penzo

This is a product review for Blue Apron. Product Overview: Blue Apron is a fresh ingredient and recipe delivery service designed to help home chefs of all skill levels cook creative and tasty meals at home. Each week, Blue Apron does the menu ...

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March 21, 2017

Real Estate Agents: Why They’re Not Worth It

By Len Penzo

I've sold one house in my lifetime -- way back in 1997 -- and I did that without a real estate agent. Yep ... For sale by owner (or FSBO). It wasn't supposed to be that way.I actually started out with a realtor because I thought it would be crazy ...

Continue reading Real Estate Agents: Why They’re Not Worth It

March 20, 2017

Black Coffee: The ‘Day Late and a Shamrock-Shake Short’ Edition

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 dive right in this week ...

Continue reading Black Coffee: The ‘Day Late and a Shamrock-Shake Short’ Edition

March 18, 2017

How to Buy Tax Liens as an Investment Opportunity

By Enero Febrero

If you don't pay your taxes on time, then you could be slapped with a tax lien. This is a debt that will not be struck from your credit report unless you pay it off. And if a tax lien isn't paid off, then it can be sold to a third-party. In ...

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March 17, 2017

A Few Fun Facts About the Average Coupon User

By Erica Quinn

How often do you use coupons when you are shopping online or in local stores? One of the best ways to save money is by using coupons. It's no secret that more people are looking for smart ways to reduce costs -- and coupons are one of the easiest and ...

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March 15, 2017

Black Coffee: Decisions, Decisions

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 ... Life is a ...

Continue reading Black Coffee: Decisions, Decisions

March 11, 2017

100 Words On: Why Frugality Has Its Limits

By Len Penzo

The main benefit of frugality and saving is they're good habits that lay a strong personal finance foundation. That being said, the frugal lifestyle definitely has its limits. Although scrimping and cutting corners can result in significant savings, ...

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March 9, 2017

Here Are Some Really Smart Ideas for Minimizing Student Loan Debt

By Len Penzo

Even though more and more college graduates are discovering that their degrees are not offering the return on investment that they originally anticipated, that's not stopping today's aspiring college grads from signing up for student loans. In ...

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March 8, 2017

Black Coffee: The Buttercups in Silicon Valley are Blooming Early

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 kick this baby off, shall ...

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March 4, 2017

What is a DMP and When is the Right Time to Apply?

By Len Penzo

A recent survey found that 22% of respondents in the UK say that their day-to-day finances are the main cause of stress. Clearly that's a significant number of people -- and that number has risen almost 50% in the last year. One big contributing ...

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March 3, 2017

Confronting My Biggest Spelling Demons (and Yours Too)

By Len Penzo

One of the joys of having an eponymous personal finance blog is that I never feel compelled to ensure every article has to be about, well ... personal finance. But, Len, it says right there in the header that this is 'The off-beat personal finance ...

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March 1, 2017

Black Coffee: Giving New Meaning to the Term “Bull” Market

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, let's get right to it this week ...

Continue reading Black Coffee: Giving New Meaning to the Term “Bull” Market

February 25, 2017

5 Ways to Survive a Money Emergency

By Tex Freitag

Nearly everyone will experience a serious money emergency at some point during their lifetime. Something financially catastrophic happens, like your car breaks down or you have to pay a huge medical bill. Afterward, you may be left with little or ...

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February 24, 2017

An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!

By Paula Pant

I have a confession. Normally I spend a lot of time emphasizing the importance of cultivating habits that reduce your desire to spend. But I have one habit that makes me want to spend more money. It's a practice -- something I do almost daily -- ...

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February 22, 2017

Saving Money Is Easy When You Know This Simple Trick

By George Diaz

If you search Google for "how to save money," you'll get 396 million results. See for yourself; I'll wait. With that many results, how is it possible that people still have trouble saving? I'm sure that one of your New Year's resolutions was to ...

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February 21, 2017

Black Coffee: The Presidents’ Day Weekend Edition

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 dive right in this week ... In ...

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February 18, 2017

5 Tips the Pros Use to Identify Favorable Investment Opportunities

By Tex Freitag

Anyone interested in their own personal finances should not look at investing as gambling; instead, investments require careful and strategic thought. Yes, there's an element of risk-taking involved, but identifying favorable opportunities requires ...

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February 17, 2017

100 Words On: The Trouble With Whole Life Insurance (vs. Term)

By Len Penzo

The key difference between term and whole life insurance is simple. Term life pays the face amount of the policy in the event of your death, while whole life combines a term policy with an added investment component. Yes, whole life may sound like a ...

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February 16, 2017

A Few Thoughts from Aunt Doris: The Neighborhood Bully

By Aunt Doris

This is another repost from an occasional series by my dear Aunt Doris, who passed away in 2015 at the age of 94. When I was in my early teens, Mum and I moved from Kensington to Notting Hill in London. (Yes, the same Notting Hill as the Julia ...

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February 15, 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. Let's get right to it ... There is no ...

Continue reading Black Coffee: And for My Next Trick …

February 11, 2017

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