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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Can Money Buy Happiness? Here’s How to Get the Most Joy from Your Spending

By Len Penzo

Most financially responsible people experience a bit of euphoria -- along with a genuinely-satisfying sense of accomplishment -- whenever they save money. However, when it comes to spending, those good feelings aren't always a sure thing. So, can ...

Continue reading Can Money Buy Happiness? Here’s How to Get the Most Joy from Your Spending

July 3, 2023

Black Coffee: Are We Having Fun Yet?

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: Are We Having Fun Yet?

July 1, 2023

The Most Important Power Tool a Household CEO Can Own

By Len Penzo

There are more than eight-million victims of identity theft in the United States every year; on average they lose $750 per incident and spend 59 hours of personal time closing fraudulent accounts. You can reduce your risk of identity fraud by ...

Continue reading The Most Important Power Tool a Household CEO Can Own

June 29, 2023

Top and Bottom US Federal Income Tax Rates Since 1913

By Len Penzo

And you thought tax rates on regular income were outrageous today. Consider how high the top and bottom income tax rates for both were 80 years ago. Yikes! In 1944 and 1945, taxpayers handed over 94% of their hard-earned income to the federal ...

Continue reading Top and Bottom US Federal Income Tax Rates Since 1913

June 28, 2023

Is Pet Insurance Worth It?

By Anum Yoon

Pets enrich our lives by providing welcome companionship and loyalty through our toughest days, as well as our happiest ones. What would you do if yours got sick? Are you prepared to bear the financial burdens of veterinary visits and the associated ...

Continue reading Is Pet Insurance Worth It?

June 27, 2023

A First-Time Buyer’s Guide for Gold and Silver

By Jesse Gernigin

As economic turmoil around the world continues to increase, more and more people are buying gold and silver for wealth protection. Gold and silver are insurance against currency collapse, although some people buy them as investments too. If you're ...

Continue reading A First-Time Buyer’s Guide for Gold and Silver

June 26, 2023

Black Coffee: Pennies from Heaven

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: Pennies from Heaven

June 24, 2023

When Should You Consider a Home Warranty?

By Enero Febrero

A home warranty is a service plan or contract providing coverage for repairing and replacing major appliances and systems in your home. Once you have one, you can have peace of mind when home appliances like freezers, air conditioning (AC), and ...

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June 23, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 17

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: Apartment in Arlington, Virginia August 1957 was eventful. We found a one-bedroom apartment in Arlington close to Route 50; ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 17

June 22, 2023

A Summer Budget Plan for Building a Healthy Christmas Fund

By Sabado Domingo

Although the development of excellent budgeting skills is important throughout the year, utilizing restraint and prudence with respect to personal finance is particularly important during the months that proceed the Christmas season. As the summer ...

Continue reading A Summer Budget Plan for Building a Healthy Christmas Fund

June 21, 2023

How To Save Money on Moving Expenses

By Corazon Gritar

House prices and rental costs remain incredibly expensive. But whether you're buying a new home or renting, moving costs can be incredibly daunting too. So how can you save money on moving expenses? Here are several ways to cut down on moving costs ...

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June 20, 2023

Do You Have Unclaimed Money? Here’s How to Find Out

By Len Penzo

I love finding unclaimed money. The other day I was in the mood for a couple of chili cheese dogs, so I decided to stop by my local Wienerschnitzel and satisfy my craving. As I got to the counter to pay for my food I realized that I still had ...

Continue reading Do You Have Unclaimed Money? Here’s How to Find Out

June 19, 2023

Black Coffee: Master and Servants

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: Master and Servants

June 17, 2023

Why Window Seat Fliers Are the Happiest Fliers

By Len Penzo

You're probably not surprised that many airlines charge extra money for select window and aisle seats. It's a policy that took off in 2015. And while I might consider paying extra for a window seat, I'm still trying to understand why anyone would ...

Continue reading Why Window Seat Fliers Are the Happiest Fliers

June 15, 2023

Summer Spending Season: How to Take a Vacation from the Stress

By Sabado Domingo

Summer is just around the corner - but are you ready? Not only for the beach weekends, family vacations, 4th of July festivities and kids' camps, but also for all the expenses that tend to heat up over the season? That's because summer is a big ...

Continue reading Summer Spending Season: How to Take a Vacation from the Stress

June 14, 2023

4 Budgeting Tips for Parents

By Corazon Gritar

As a parent, there's no doubt about the fact that one of your top priorities is most likely to save money. This is because raising a family can be quite expensive over time, especially if you want to make sure that you're providing your family with ...

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June 13, 2023

Embarrassed About Being Frugal? Here Are 6 Reasons Why You Shouldn’t

By Mikey Rox

Your friends might label you the cheapskate of the group and your money-conscious mindset might be a running joke, but there's no reason to be embarrassed about being frugal. A lot of people cry broke and whine about never having enough cash to get ...

Continue reading Embarrassed About Being Frugal? Here Are 6 Reasons Why You Shouldn’t

June 13, 2023

Lost Checks: Is Not Stopping Payment Worth the Risk?

By Len Penzo

I wish I was as smart as my kids. They're never wrong. Never. If you don't believe me, just ask them. As a matter of fact, I was reminded of that little "fact" last month after the Honeybee noticed that a couple of checks hadn't been cashed by my ...

Continue reading Lost Checks: Is Not Stopping Payment Worth the Risk?

June 12, 2023

Black Coffee: The Road to Ruin

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 Road to Ruin

June 10, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 16

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: An important P.S. to my Oldsmobile story: On December 13, 2000, the news came out that "Oldsmobile is coming to the end of the ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 16

June 8, 2023

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