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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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. I hope everybody had a wonderful week. ...

Continue reading Black Coffee: Decisions, Decisions

February 24, 2024

Why a Home Shouldn’t Be Considered an Investment

By Len Penzo

It's often said that a house is our biggest investment, yet the primary function of any house is to simply provide us with a place to live. Yes, handsome gains can be had for those with good timing. However, as investments go, houses rarely match the ...

Continue reading Why a Home Shouldn’t Be Considered an Investment

February 22, 2024

7 Tips for Earning a Living with Rental Properties

By Sabado Domingo

If you've been considering making extra money renting out a property you own, you've no doubt already discovered how much stress and planning is involved with being a landlord. As you think about whether or not earning money by renting out properties ...

Continue reading 7 Tips for Earning a Living with Rental Properties

February 21, 2024

12 Ways to Help Prepare Your Kid for the Real World

By Mikey Rox

Remember when you were a kid and you just couldn't wait to be an adult? For most people, once they get there, the novelty wears off fast. Yet, while facing the real world on your own is a rite of passage that should be observed on an individual ...

Continue reading 12 Ways to Help Prepare Your Kid for the Real World

February 20, 2024

How to Choose the Best CBD Gummies for Yourself

By Tex Freitag

CBD gummies have become a prevalent way to embody the benefits of CBD into one's daily routine. Thanks to their delicious taste, ease of use, and discrete nature, CBD gummies have paved their way into the lives of many enthusiasts. However, with the ...

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February 19, 2024

31 Fascinating Facts You Didn’t Know About Gold

By Len Penzo

Despite claims to the contrary from Wall Street financial service hucksters and statist economists the world over, there is no better money than gold. In fact, as JP Morgan famously noted, gold is money; everything else is credit. Of course, Morgan's ...

Continue reading 31 Fascinating Facts You Didn’t Know About Gold

February 19, 2024

Black Coffee: The American Dream … Reimagined!

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 ...

Continue reading Black Coffee: The American Dream … Reimagined!

February 17, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 34

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: Final Move, to Union, West Virginia Warrenton was growing fast, as more people moved farther out from the city (Washington, ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 34

February 15, 2024

How to Save Money By Living Like You’re Broke

By Sabado Domingo

There are blogging websites dedicated to showing people how to save money and live frugally. Housing costs usually take up a large chunk of the expenditure for most individuals and families and so it makes sense to check a mortgage calculator to ...

Continue reading How to Save Money By Living Like You’re Broke

February 14, 2024

Looking for Sushi Deals? Here Are 12 Ways to Save Money on Your Order

By Anum Yoon

Does your stomach growl at you when you drive by your favorite sushi place? Chances are your wallet growls right back once you splurge on that indulgence. The good news is you can find great sushi deals by following a few simple tips. So ... How ...

Continue reading Looking for Sushi Deals? Here Are 12 Ways to Save Money on Your Order

February 13, 2024

My Teenage Son, His Cell Phone, and the Bill for $1,055.20

By Len Penzo

We held out for as long as we could. We really did. Despite an intense and relentless lobbying effort from my son, the Honeybee and I stayed strong and denied his repeated requests for a cell phone. And, boy, were there a lot of requests. I ...

Continue reading My Teenage Son, His Cell Phone, and the Bill for $1,055.20

February 12, 2024

Black Coffee: The Love & Money 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. I hope everybody had an enjoyable week. ...

Continue reading Black Coffee: The Love & Money Edition

February 10, 2024

Why You Should Never Cosign A Loan for Anyone

By Len Penzo

Cosigning for a loan is one of the dumbest financial moves you could ever make. By cosigning, you not only assume liability for the borrowed money, but you also make it tougher on yourself to qualify for large loans -- regardless of your payment ...

Continue reading Why You Should Never Cosign A Loan for Anyone

February 8, 2024

Beware: A Credit Card for Excellent Credit That Doesn’t Fit the Bill

By Odysseas Papadimitriou

You might think that credit cards for people with excellent credit are universally the best products available, and that the quality of a credit card naturally rises in accordance with the credit level required to get it. And you might believe that ...

Continue reading Beware: A Credit Card for Excellent Credit That Doesn’t Fit the Bill

February 7, 2024

How To Improve Your Workplace Efficiency

By Corazon Gritar

The new year is fully underway, and with the start of a new fiscal year often comes changes to the workplace. These goals often include how to improve workplace efficiency and productivity, but they aren't always the most successful, depending on ...

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February 6, 2024

What’s the Difference Between Currency vs. Money?

By Len Penzo

Most people use the terms "currency" and "money" interchangeably. However, there is a very subtle -- but significant -- difference between them. If you're one of the few folks out there who understand the difference between currency and real ...

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February 5, 2024

Black Coffee: Labor Pains

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: Labor Pains

February 3, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 33

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: I have a folder of prints of famous paintings in the Washington National Gallery of Art, which I collected as 35-cent ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 33

February 1, 2024

5 Indispensable Tips for Using Your Credit Responsibly

By Sabado Domingo

Your creditworthiness is a representation of how well you manage your finances. It's essentially the first impression for everything from buying a home to getting decent rates on your car insurance. So using your credit responsibly is an absolute ...

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January 31, 2024

How to Eliminate Credit Report Errors That Often Get Overlooked

By Mikey Rox

Financial institutions rely on one major factor when deciding whether or not to give you a loan: your credit report. Credit reports contain a lot of information, including your name, address, place of employment, credit lines, balances, payment ...

Continue reading How to Eliminate Credit Report Errors That Often Get Overlooked

January 30, 2024

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