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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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10 Essential Steps for Preparing for Retirement

By Len Penzo

Preparing for retirement is a significant aspect of financial planning that can impact your quality of life in your later years. Here are 10 essential steps to help you prepare for retirement. 1. Start Early and Set Clear Goals The first step in ...

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June 18, 2024

How Staying Healthy Saves You Money

By Corazon Gritar

The world almost came to a standstill after the Covid pandemic emerged. However, there is a wide variety of health conditions affecting people today. If you're healthy, you must have significant peace of mind. Besides providing you with peace, did ...

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June 18, 2024

Black Coffee: Not Your Father’s Dollar

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. Well ... another busy week is behind ...

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June 15, 2024

The 10 Most Expensive Country Clubs in the US

By Sabado Domingo

In the realm of leisure and luxury, few places rival the allure of exclusive country clubs and golf clubs. These bastions of privilege offer more than just a round of golf. They provide an experience that blends opulence with recreation, creating an ...

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June 14, 2024

Healthy Financial Habits for College Students

By Tex Freitag

As a college student, managing money can be a challenge, but developing healthy financial habits can set you up for long-term success. With the right mindset and strategies, you can avoid financial pitfalls and build a solid foundation for your ...

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June 13, 2024

What is an ARM Loan?

By Len Penzo

An adjustable rate mortgage, otherwise known as an ARM mortgage, is a home loan that uses the property being purchased as collateral. Unlike a fixed-rate mortgage where the interest rate never changes, an adjustable rate mortgage has a fixed rate for ...

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June 13, 2024

6 Questions Insurers Ask Before Giving a Car Insurance Quote

By Enero Febrero

Car insurance is an integral, yet expensive part of everyday life. The world is a very unpredictable place, and you should always make sure you have a backup plan for unforeseen times. When getting a quote, there are certain documents you must have. ...

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June 12, 2024

4 Important Small Business Tax Tips

By Enero Febrero

Decisions about your business tax return can have a huge impact on your company profit. If you do some planning, you can reduce the amount of taxes you need to pay. Planning also helps you avoid any penalties and interest on your tax return. Use ...

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June 11, 2024

How to Stay Employed: 7 Ways to Immunize Yourself from the Layoff Bug

By Len Penzo

During tough economic times, it's only natural to wonder how to stay employed. Very few of us are immune from the specter of receiving a pink slip. In fact, I know of one married couple who both got laid off on the same day. I've seen lots of ...

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June 10, 2024

Black Coffee: Let Them Eat Cake

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. ...

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June 8, 2024

How to Budget For Your Ideal Bathroom Remodel Project

By Corazon Gritar

The bathroom may not be your home's biggest room, but it is one of the most important. It ranks in importance directly after your kitchen. Many house buyers base their purchasing decisions on the state of the bathroom. So, if yours does not measure ...

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June 6, 2024

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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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May 29, 2024

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