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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

5 Pointers to Help You Pick the Right Home Loan

By Enero Febrero

Home loans are the only way that most people around the world today can afford to buy homes. This is especially true for real estate in expensive locales from San Francisco to New York -- and even homes in a city like Mumbai. With the high prices ...

Continue reading 5 Pointers to Help You Pick the Right Home Loan

1 Comment May 4, 2022

What Is a Home Warranty and Do You Need One?

By Sabado Domingo

Taking care of your home can be tough and many things can go wrong. Home appliances are the first to go and can take large amounts of money to repair and replace. This is where home warranties come in! Home warranties can provide you with the funds ...

Continue reading What Is a Home Warranty and Do You Need One?

Leave a Comment May 3, 2022

8 Ways to Tame Your Credit Card Debt Fast!

By Mikey Rox

Somebody printed this on a T-shirt: "The holidays are over and all I got was a mountain of debt!" Sound familiar? Don't feel bad; you're not alone. According to Wallet Hub, the average credit card balance per US household is now $8590. And with ...

Continue reading 8 Ways to Tame Your Credit Card Debt Fast!

6 Comments May 3, 2022

How A Gold Backed IRA Can Help Protect Your Retirement Nest Egg

By Tex Freitag

The stock market made great gains over the last several years. But that trend is clearly changing. As a result, if you have a traditional IRA or 401k, your retirement funds could be at risk. In fact, there is now plenty of evidence to at least ...

Continue reading How A Gold Backed IRA Can Help Protect Your Retirement Nest Egg

6 Comments May 2, 2022

Black Coffee: A Fistful of Dollars

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: A Fistful of Dollars

28 Comments April 30, 2022

Investing in the Metaverse: 9 Tips for Beginners

By Tex Freitag

What is the metaverse? It's a question you may have heard of before but may not know how to answer. Metaverse is a virtual reality platform that is often compared to the Internet. It allows users to create and interact with digital content and ...

Continue reading Investing in the Metaverse: 9 Tips for Beginners

Leave a Comment April 28, 2022

Grandfather Says: Grandfather’s House and Custom Built Stairs

By RD Blakeslee

In the first article in this series, Grandfather talked about building your own house. Here's his during the build: And here's where Grandfather lived while his house was being built: When he was younger he and his friends (most now ...

Continue reading Grandfather Says: Grandfather’s House and Custom Built Stairs

18 Comments April 28, 2022

3 Ways to Slow Down the Rate of Aging

By Sabado Domingo

Aging is an inevitable part of life. With every year that goes by, your biological age increases and there's nothing that you can do about it. Despite the biological clock inevitably ticking away every minute of every day, there are things that ...

Continue reading 3 Ways to Slow Down the Rate of Aging

Leave a Comment April 27, 2022

A Few Thoughts from Aunt Doris: The Same … But Different

By Aunt Doris

When I came to this country I said to myself, "At least I don't have to learn another language!" Well, yes and no. Just like there are difference between American and English hand gestures, our languages are slightly different too. There's the ...

Continue reading A Few Thoughts from Aunt Doris: The Same … But Different

7 Comments April 27, 2022

10 Frugal Ways to Unwind, Relax and Have a Little Fun

By Anum Yoon

Ever reach the end of the work week, and you literally just can't handle any more? The days spent at the office can leave us feeling tense and wound so tight that you can almost feel your bones grinding together. So how do you unwind without ...

Continue reading 10 Frugal Ways to Unwind, Relax and Have a Little Fun

9 Comments April 26, 2022

Early vs. Delayed Retirement: Which Path Is Harder?

By Len Penzo

Not too long ago, I was driving my family along the foothills of Southern California, at the base of the magnificent San Gabriel mountains. Believe it or not, the San Gabriels top out at over 10,000 feet; and while the panorama from the top of ...

Continue reading Early vs. Delayed Retirement: Which Path Is Harder?

April 25, 2022

Black Coffee: The Fed Is Flying Blind

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: The Fed Is Flying Blind

April 23, 2022

How to Expand Your Trucking Business

By Sabado Domingo

The trucking business is a complex and highly competitive business; it's not enough to just drive from one destination to the next, delivering loads to waiting customers. With that in mind, the more you understand about the business and the more ...

Continue reading How to Expand Your Trucking Business

April 22, 2022

6 Personal Finance Tips for College Grads

By Tracie Johnson

If you are a graduate - or graduating soon - and haven't started planning your finances yet, your head may be spinning with a dizzying array of information. Many people often struggle to find their financial footing following graduation, leading to ...

Continue reading 6 Personal Finance Tips for College Grads

April 22, 2022

6 Ways to Extend Your Gaming Budget

By Tex Freitag

With inflation pinching wallets everywhere, finding a way to stretch your budget is more important than ever. Unfortunately, a budget is like a rubber band - you can stretch it a long way, but eventually it will break. Of course, it's one thing to ...

Continue reading 6 Ways to Extend Your Gaming Budget

April 21, 2022

100 Words On: A Surefire Way to Beat the Lottery

By Len Penzo

I realize I've made this point before but, come on, talk about a sucker's bet: The odds are before you ever strike it rich playing the lottery you'll most likely be struck by lightning. Twice. Now consider this: Over a ten year period, somebody who ...

Continue reading 100 Words On: A Surefire Way to Beat the Lottery

April 21, 2022

5 Ways to Make Your Car Insurance Cheaper

By Sabado Domingo

At the moment, the things we know that are infinite includes -- the universe, human stupidity and, of course, the rise in auto or car insurance premiums. According to insurance agent Evelia Mascareno, every year auto insurance rates increase ...

Continue reading 5 Ways to Make Your Car Insurance Cheaper

April 20, 2022

5 Things Everybody Should Do Before Applying for a Mortgage

By Tex Freitag

Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy? Applying for a mortgage is never an easy job. You can't change your income or credit history ...

Continue reading 5 Things Everybody Should Do Before Applying for a Mortgage

April 19, 2022

7 Questions You Should Always Ask Yourself When Buying Clothes

By Anum Yoon

Investing in new clothes is a process that takes several steps. While splurging on yourself can be fun, you should always keep in mind how practical your new purchase will really be. Keep your inner shopaholic in check by asking yourself a few ...

Continue reading 7 Questions You Should Always Ask Yourself When Buying Clothes

April 19, 2022

5 Ways to Ensure You’ll Always Have Enough Money for Auto Repairs

By Enero Febrero

Preparing for possible car repairs is part of owning a vehicle. But with rising costs, this part of car ownership can become stressful. Even so, it is still possible to cut down on your auto repair expenses. With that in mind, here are some helpful ...

Continue reading 5 Ways to Ensure You’ll Always Have Enough Money for Auto Repairs

April 18, 2022

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Disclaimer

This site is for informational and entertainment purposes only, and the content herein should not be mistaken for professional financial advice. In fact, making investment decisions based on information published here, or any other website for that matter, is more than unwise; it is folly. This website accepts advertising in the form of monetary and other compensation; as such, topics of discussion are occasionally influenced by these advertisers. Sometimes, an article may also include affiliate links, meaning, at no additional cost to you, this blog earns a commission if you click through and make a purchase (for example, as an Amazon Associate I earn from qualifying purchases). Remember, you and you alone are responsible for the decisions you make in life, so please contact an independent financial professional for advice regarding your unique personal situation.

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