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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Grandfather Says: The Continuing Chronicles of Elaine, Part 42

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: The Funny Bunch The Union Firehouse had frequent dances, sponsored mostly by the Fire Chief, and they “passed the hat” for ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 42

June 6, 2024

Horse Racing Stocks: Is It Wise To Invest Now?

By Tex Freitag

Horse racing is one of the world’s most popular sports, with millions wagered on the action across the globe throughout the year. However, many fans that have an interest in the sport will typically see it as a perfect opportunity to invest in horse ...

Continue reading Horse Racing Stocks: Is It Wise To Invest Now?

June 5, 2024

How Eating Donuts Can Help You Stay on Budget

By Barbara Friedberg

Occasionally, my hubby picks up a donut for a breakfast treat. I usually refrain from this particular indulgence; too fattening, too many calories, etc. Yesterday, since it was such a lean sweet day, I decided to join him for a donut. I selected a ...

Continue reading How Eating Donuts Can Help You Stay on Budget

June 5, 2024

20 Ways to Save $5 a Day

By Mikey Rox

Need $100 this month? Who doesn't! The trick is in finding an easy way to save that cash in small increments. The good news is you can add an extra benjamin or two to your bank account by taking advantage of these simple ways to save $5 a ...

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June 4, 2024

Is Your Spending Out of Control? Here Are 5 Signs

By Len Penzo

Even if you're rich, wasting money is criminally stupid. With that in mind, it's important to recognize when you're spending out of control. Sit down for a minute and think of all the things you could do with the money you waste that would otherwise ...

Continue reading Is Your Spending Out of Control? Here Are 5 Signs

June 3, 2024

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. I've got another busy weekend ahead of ...

Continue reading Black Coffee: Rich Men, Poor Men

June 1, 2024

Exploring the Benefits of a Modern Ceiling Fan with Light

By Tex Freitag

When equipped with integrated lighting, modern ceiling fans offer a host of benefits that cater to both practical needs and aesthetic preferences. From enhancing illumination to improving air circulation, these dual-purpose fixtures have become ...

Continue reading Exploring the Benefits of a Modern Ceiling Fan with Light

May 30, 2024

What are Mortgage Points?

By Len Penzo

Mortgage points -- commonly referred to as simply "points" -- are the fee that a borrower pays to the lender for a lower interest rate; one point equals 1% of the loan amount. Points are also tax deductible. Homebuyers can typically reduce their ...

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May 30, 2024

How to Buy Cheap Eyeglasses Without Compromising Quality

By Enero Febrero

For most people, there is little doubt that the economy is swiftly changing and it's negatively affecting almost everyone. As a result, most people today are forced to operate on very tight budgets. But, there are some items that always need to be ...

Continue reading How to Buy Cheap Eyeglasses Without Compromising Quality

May 29, 2024

5 Clever Ways to Save on Pet Care

By Anum Yoon

If you're like most pet owners, you consider your animal companions part of the family. But pet-care costs can strain a household budget -- so it's important to evaluate how we care for the animals we love without dropping our hard-earned money into ...

Continue reading 5 Clever Ways to Save on Pet Care

May 28, 2024

How to Avoid a Mandatory Gratuity for Bad Service

By Len Penzo

It used to be that tipping was meant to reward and encourage your server for exemplary service. Unfortunately, with the advent of tipping pools, mandatory gratuities, and general tip inflation, that's clearly the exception now. As such, I adhere to ...

Continue reading How to Avoid a Mandatory Gratuity for Bad Service

May 27, 2024

Black Coffee: You Have Two Cows …

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: You Have Two Cows …

May 25, 2024

Documenting Injuries and Losses: A Crucial Part of Bicycle Accident Claims

By Sabado Domingo

We all know the joy of cruising down a scenic path on a bike. Unfortunately, bicycle accidents are more common than we'd like. Over 130,000 people in the United States are treated for bicycle-related injuries annually. Injuries and losses sustained ...

Continue reading Documenting Injuries and Losses: A Crucial Part of Bicycle Accident Claims

May 24, 2024

7 Reasons Why an Insurance Adjuster Might Reject a Compensation Claim

By Tex Freitag

Getting fair compensation from the insurance company is the end goal for any individual or organization filing a claim. However, insurance companies are in business to make a profit. For this reason, they'll try reject a compensation claim if they ...

Continue reading 7 Reasons Why an Insurance Adjuster Might Reject a Compensation Claim

May 24, 2024

Justice Through Representation: The Impact Lawyers Have on Car Accident Claims

By Sabado Domingo

Thousands of car accident victims file claims annually, and their success depends on their legal representation. True to that, the average pay for a car accident claim is an impressive $25,000, while minor crashes or personal injury cases range ...

Continue reading Justice Through Representation: The Impact Lawyers Have on Car Accident Claims

May 24, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 41

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: The best surprise for me about our move to Union was that although we knew about the beautiful scenery, we did not know about ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 41

May 23, 2024

Navigating Insurance Claims After a Motorcycle Accident: Dos and Don’ts

By Len Penzo

In 2022, California witnessed 10,597 motorcycle accidents, resulting in numerous claims for damages and compensation. Dealing with insurance claims after such incidents, especially in places like Bakersfield, can be complex and frustrating, given the ...

Continue reading Navigating Insurance Claims After a Motorcycle Accident: Dos and Don’ts

May 22, 2024

How to Fix a Broken iPhone: 4 Hacks That Apple Won’t Tell You

By Sabado Domingo

Are you wondering how to fix a broken iPhone by yourself? Is it even possible? To be sure, however big the damage on your iPhone, it's definitely frustrating to see your prized possession a little worse for wear. Usually, people worry about the ...

Continue reading How to Fix a Broken iPhone: 4 Hacks That Apple Won’t Tell You

May 22, 2024

Couples: Here’s How to Avoid Fighting About Money

By Mikey Rox

Ask almost any couple what they fight about and "money" is bound to be chief among the issues. Indeed, it's difficult for many couples with vastly different spending habits to figure out how to avoid fighting about money. We all have our own ideas ...

Continue reading Couples: Here’s How to Avoid Fighting About Money

May 21, 2024

Bulk Buying Cons: It Pays to Always Pay Attention

By Len Penzo

Despite the conventional wisdom, buying more of something in not always better. Trust me; there are bulk buying cons out there. Here's just one example that I recently encountered: Last month I was shopping online for razor blades from my favorite ...

Continue reading Bulk Buying Cons: It Pays to Always Pay Attention

May 20, 2024

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