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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Need a Wedding Singer? Here are Booking Rates for 120 Famous Bands

By Len Penzo

Looking for some booking rates for famous bands? Well ... just keep in mind that, according to St. Louis Bride and Groom magazine, couples spend an average of 5.2% of their wedding budget on music. That seems about right. The Honeybee and I spent ...

Continue reading Need a Wedding Singer? Here are Booking Rates for 120 Famous Bands

December 27, 2023

The Pros and Cons of Investing in Gold Bullion vs. Gold Stocks

By Tex Freitag

Gold investment in South Africa has a rich history deeply ingrained in the country's economic landscape. Gold has long been revered as a valuable asset and a hedge against economic uncertainty in this region. Its allure stems from its historical ...

Continue reading The Pros and Cons of Investing in Gold Bullion vs. Gold Stocks

December 26, 2023

Do Vaccines Save Money?

By Corazon Gritar

Vaccines are arguably one of the greatest human inventions of all time. Every year, vaccines prevent more than 2.5 million unnecessary deaths. Additionally, the US Centers for Disease Control and Prevention (CDC) estimates that among children born ...

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December 26, 2023

Infographic: Sneaky Tricks Retailers Use to Make You Buy Stuff

By Len Penzo

It's not just the holidays when the competition among retailers for your hard-earned dollars is fierce; they compete hard all year long. As a result, they have more than a few sneaky tricks up their sleeves to help manipulate shoppers into buying ...

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December 25, 2023

Black Coffee: The Merry Christmas 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 a wonderful week. ...

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December 23, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 30

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: In the middle of my "college days," before going to the campus of Mary Washington College, and while fitting in extension ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 30

December 21, 2023

Understanding the Math Behind the Mortgage

By Len Penzo

Last month, interest rates reached the psychological 8% barrier for the first time in more than a decade, and there is speculation that they will continue to rise. But do homeowners know the math behind the mortgage? After all, buying a home is a big ...

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December 20, 2023

How to Invest In Yourself

By Mikey Rox

Are you trying to figure how you can invest in yourself? You should be. The good news is there are ways we can invest in ourselves that don't always require cash; sometimes the best ROI happens when we bet on ourselves by continually trying to be ...

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December 19, 2023

5 Ways You Can Plan For Retirement

By Sabado Domingo

Starting the retirement planning process is crucial in ensuring your financial stability. Strategic and thoughtful preparation is crucial, regardless of your employment status or impending retirement. With that in mind, here are five essential ways ...

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December 18, 2023

Condition Yourself to Hate Paying Interest

By Len Penzo

God, do I hate paying interest! To anyone. For anything. I abhor paying interest, and I avoid it like the plague! You should too. I think that most people who currently enjoy a life of financial freedom have this distaste of interest payments ...

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December 18, 2023

Black Coffee: The Great Unwashed

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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December 16, 2023

6 Reasons to Take Out a Reverse Mortgage

By Sabado Domingo

reasons to get a reverse mortgage

Home equity is a powerful tool for many homeowners, particularly as they approach retirement. It represents a significant portion of their financial resources and can be a key factor in ensuring financial stability. A striking statistic highlights ...

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December 14, 2023

Donating to Charity and the Company Charity Drive

By Erin Baker

The holiday giving season is upon us and many people are thinking about donating to charity. If your company sponsors a specific charity, the decision to give as an employee can be a tricky one. Is this an organization you might give to anyway? Is ...

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December 14, 2023

How to Reestablish Credit Quickly

By Sabado Domingo

Your credit score is one of the most influential factors when it comes to your ability to achieve approval for a loan or credit card. In addition, your credit score can impact employment and ability to obtain insurance, as well as your living ...

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December 13, 2023

How to Lower Your Heating Bill This Winter

By Corazon Gritar

Whether your home is heated by electricity or natural gas, a high heating bill can sometimes be a huge shock. Thankfully, there are plenty of low cost or free changes you can make in your home or apartment. Here's how you can save money on heating, ...

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December 12, 2023

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

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