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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Mailbag: How to Sell Your Gold and Silver

By Len Penzo

Hi Len, I read in your blog that you recommend APMEX for buying precious metals. I've saved money to buy some bullion and I'm ready to invest! I'm just having trouble researching how to sell my gold and silver when the time comes. Can you shed some ...

Continue reading Mailbag: How to Sell Your Gold and Silver

September 16, 2024

Black Coffee: Worse and Worser

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 an enjoyable week. ...

Continue reading Black Coffee: Worse and Worser

September 14, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 49

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: A Brand-new Career at Age 50 My six years of piano teaching in the studio were busy and fun; I believe I met half the ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 49

September 12, 2024

9 Ways to Get the Most from Your Coupons

By Sabado Domingo

Coupons are a great way to save money -- in fact, diligent coupon clippers can save a thousand dollars or more each year. Even so, many people refuse to use them. Whether they can't figure out where to find great coupons, or they don't understand how ...

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September 11, 2024

How to Budget For Unexpected Home Repairs

By Corazon Gritar

Owning a home is still very much part of the American Dream. But it's one that comes with a cost. Not only are housing prices on the rise across the US, but the hidden costs of owning property - especially unexpected home repairs - can often be more ...

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September 10, 2024

Personal Finance for Kids: My 12-Year-Old Daughter Explains Her Strategy

By Len Penzo

My daughter, Nina, turned 25 years old last month. I know it's cliche, but I truly do remember the day she was born like it was yesterday. I'm happy to say that Nina has always been a natural saver and good at managing her money -- and when it ...

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September 9, 2024

Black Coffee: Battle Stations!

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 ...

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September 7, 2024

How Big Should a Mortgage Down Payment Be?

By Len Penzo

Although there are exceptions to every rule, mortgage providers generally require homebuyers to contribute a minimum down payment somewhere between 3.5% and 20% of the home's purchase price. So how big should a mortgage down payment be? Of course, ...

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September 5, 2024

Personal Finance App Review: You Need a Budget (YNAB)

By Len Penzo

In life, some people prefer chocolate while others like vanilla. And when it comes to personal finance, there will always be people who are comfortable managing their money using an Excel spreadsheet, while others prefer something a bit more ...

Continue reading Personal Finance App Review: You Need a Budget (YNAB)

September 4, 2024

6 Expert Rental Negotiation Tips

By Mikey Rox

If you're moving into a new apartment and need to mind your budget, there are a few tactics you can employ to score a better deal on your new digs. In fact, by learning just a few key lease and rental negotiation tips, you'll be in a better position ...

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September 3, 2024

Hyperinflation Facts: 18 Strange Things You Probably Don’t Know

By Len Penzo

The US National Debt recently surpassed $35 trillion. Not surprisingly, the world is finally losing faith in our currency, as evidenced by the emergence of the BRICS trading bloc and its intention to introduce a new currency based on gold and, ...

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September 2, 2024

Black Coffee: Bait and Switch

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. Another busy week is crossed off the ...

Continue reading Black Coffee: Bait and Switch

August 31, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 48

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 Summer of 1986 In 1986, the summer Erik (our youngest) graduated from Union High School, Dave and I and Erik went on a ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 48

August 29, 2024

How to Lower Your Smartphone Bill: 3 Ideas to Consider

By Anum Yoon

Smartphones are ubiquitous these days, but they aren't always cheap to use. So you'll be forgiven if you're the type who is always looking at how to lower your smartphone bill.  After all, a typical plan-based contract could set you back $150 a month ...

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August 27, 2024

Tax Prep Expert Options: Which One Is Right for You?

By Sabado Domingo

It may be summertime, but doesn't it feel like the income tax filing deadline is always just around the corner? Complicating matters is the fact that there are many tax prep expert options available to us. When choosing the right professional to ...

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August 25, 2024

Black Coffee: Cooking the Books

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: Cooking the Books

August 24, 2024

Choosing the Right Forex Trading Platform: What Every Trader Should Know

By Sabado Domingo

Have you ever wondered how selecting the right forex trading platform can impact your trading success? The platform you select is not just a tool for executing trades; it's the foundation of your entire exchange experience. With countless options ...

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August 23, 2024

What Is a VA Loan?

By Len Penzo

What is a VA loan? Well ... VA loans are government-backed mortgages that are insured by the Veteran's Administration. VA loans are available from qualified lenders to homebuyers who have served in the US military including: Soldiers and sailors ...

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August 22, 2024

Credit Repair Mistakes: 6 “Smart” Moves You Need to Avoid

By Cathy Habas

Once you realize that you have a credit problem, it's important to fix it as soon as you can. Unfortunately, consumers who make credit repair mistakes are quite common. Without carefully considering your credit repair strategy or even seeking ...

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August 21, 2024

How to Take Your Dream Vacation on a Tight Budget

By Mikey Rox

So you want to get away after being cooped up for a couple months? Then stop planning staycations and start thinking bigger! The good news is your dream vacation can be taken on a tight budget. Here are seven tips on how to take the vacation of a ...

Continue reading How to Take Your Dream Vacation on a Tight Budget

August 20, 2024

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