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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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14 Reasons Why Treadmills Are For Suckers

By Len Penzo

For all of you folks out there who are thinking about getting into shape, I thought I'd pass on a little advice and save you a serious case of buyer's remorse. Believe it or not, treadmills are the most popular form of exercise equipment, which is ...

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December 11, 2023

Black Coffee: More Smoke, More Mirrors

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: More Smoke, More Mirrors

December 9, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 29

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: My College Years, Age 33 to 40 I researched what possibilities there were, living far from any big city, and came up with a ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 29

December 7, 2023

How to Save Money: It Starts with the Right Mindset

By Sabado Domingo

Do you find yourself running into financial problems and falling into debt? Do you wish you could save more money but find that you have nothing left of your paycheck to save? Overspending can cause a lot of financial problems including consumer debt ...

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December 6, 2023

In Memoriam: A Tribute to Andy D.

By RD Blakeslee

First, I want to thank Len for graciously publishing this. My first knowledge of “Tennessee Andy D.” came from his comment following the first episode of Grandfather Says, in 2019: “Wife and I are one of the 'millionaire-next-door' type folks ... ...

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December 5, 2023

More Clever Low-Cost Homemade Gifts Everyone Will Enjoy

By Anum Yoon

If you missed Part 1 of this series on homemade gifts, click here. One of the best gifts you can give or receive is something that was handmade with love. The special touches, time and effort that go into DIY projects let everyone know they're ...

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December 5, 2023

10 Old Wives’ Tales Masquerading As Financial Rules of Thumb

By Len Penzo

It's been said that if the palm of your right hand itches, you'll soon be coming into money. On the other hand (seriously, no pun intended), it's also been said that if your left palm itches you'll soon be paying out money. Don't laugh. There are ...

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December 4, 2023

Black Coffee: Coins of the Realm

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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December 2, 2023

How to Make the Most of Your Military Benefits

By Tex Freitag

Armed services benefits encompass a wide range of offerings, from education support to healthcare and retirement plans. However, making the most of these military benefits requires strategic planning and awareness. This guide will explore five tips ...

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December 1, 2023

One of the Biggest Money Mistakes a Household CEO Can Make

By Len Penzo

It's been said that failing to plan is planning to fail -- especially with respect to personal finances. And although you may be prepared, one of the biggest money mistakes any household CEO can make is to abandon their financial plan. Especially ...

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November 30, 2023

9 Ways to Save Money When Buying a Car

By Sabado Domingo

If you desperately need transportation but are low on cash, there are many ways to save money when buying a car. And some in particular that you may not have considered. In fact, saving money on your next car purchase is easier than you probably ...

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November 29, 2023

Exploring the Benefits and Process of Opening a Foreign Bank Account

By Enero Febrero

In an increasingly interconnected world, having a foreign bank account has become a strategic asset for individuals and businesses alike. Whether for facilitating international transactions, asset protection, or diversification, a foreign bank ...

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November 28, 2023

How to Trim Your Christmas Shopping List

By Anum Yoon

Santa gives Christmas gifts with a "Ho, ho, ho." However, people who don't have a legion of elves to help them often feel like "Ho, ho, NO!" If the expectations of gift-giving have become too much for your budget, consider reducing your Christmas ...

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November 28, 2023

How Joining a Franchise Can Provide Financial Freedom

By Sabado Domingo

Venturing into entrepreneurship often involves navigating a landscape filled with challenges and rewards. For many prospective business owners, the decision to join a franchise is viewed as a tried-and-true route to financial freedom. This article ...

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November 27, 2023

When Is the Right Time to Stop Giving Gifts to Nieces and Nephews?

By Len Penzo

When my daughter, Nina, was still measuring her age in single-digits, I'd tuck her into bed every evening. Then, just before kissing her goodnight, I'd ask her to stop getting older. She didn't listen. The truth is, kids are always in a hurry ...

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November 27, 2023

Black Coffee: Suspicious Minds

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: Suspicious Minds

November 25, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 28

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 Widening of Virginia Route 17 After we had lived in Warrenton for a few years, the Virginia Highway Department bought ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 28

November 23, 2023

Cut Winter Car Maintenance Costs with These 5 Essential Tips

By Sabado Domingo

Driving in the winter can be a delightful experience. But it also brings unique challenges for your car, from the salt and grime on the roads to the extreme cold temperatures. Making sure your car is well-cared for during the winter months is ...

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November 22, 2023

The Benefits of Conference Calls Instead of Business Travel

By Enero Febrero

Conference calls have their advantages - especially when it comes to using conference calls instead of business travel. Of course, they reduce the need for costly business trips which require participants to secure transportation and lodging to ...

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November 22, 2023

The Handy Dandy Guide of Practical Christmas Gifts Under $25

By Mikey Rox

There are plenty of presents you can give for the sake of giving gifts, but you'll get more mileage out of a practical approach. For all those hard-to-buy-for friends, relatives, and co-workers, consider this list of Christmas gifts under $25 that ...

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November 21, 2023

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