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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

How to Maximize Your Real Estate Investment

By Corazon Gritar

If you've been looking to start investing, real estate has likely been something you've thought about or discussed with others. Of course, you also want to know how to maximize your real estate investment. Indeed, real estate investing can be an ...

Continue reading How to Maximize Your Real Estate Investment

July 25, 2023

What the Producers of ‘House Hunters’ Will Never Ever Tell You

By Len Penzo

You know, there are some events that are so momentous, so earth-shaking, that we can remember exactly where we were the moment we first heard the news. For me, last week was one of those times. First, allow me to set the stage. Long time ...

Continue reading What the Producers of ‘House Hunters’ Will Never Ever Tell You

July 24, 2023

Black Coffee: Soft Money, Hard Times

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: Soft Money, Hard Times

July 22, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 19

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: November 27, 1957: Carolyn’s DUE DATE. (She was born 8 days later, December 5.) Labor began around suppertime on the evening ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 19

July 20, 2023

When Is the Right Time to Buy Long Term Care Insurance?

By Sabado Domingo

It's amazing how many people fail to plan for the future. It's also amazing how many people deny the reality that we only have a certain number of years before we have outlived our usefulness. We all know that life is short, but how many of us really ...

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July 19, 2023

Expensive 401k Mistakes People Make

By Anum Yoon

If you're interested in saving for retirement, a 401k plan can't be beat. These employer-sponsored plans let employees save tax-free and choose from a range of investment options. The tax-free savings effectively lower your taxable income, which may ...

Continue reading Expensive 401k Mistakes People Make

July 18, 2023

How to Make the Most of Fancy Resorts Offering Low-Season Deals

By Len Penzo

I recently took my entire family -- including the in-laws -- to Scottsdale, Arizona for a little summer fun at a very posh desert resort. Okay, perhaps I'm exaggerating just a tiny bit. Let's call it fairly posh. Regardless, one thing is ...

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July 17, 2023

Black Coffee: The Price of Financial Security

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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July 15, 2023

Slow Drivers in the Left Lane: A Vexing Problem

By Len Penzo

In North America the left lane is designated for passing and the highway's fastest traffic. Unfortunately, there are too many slow drivers in the left lane who feel entitled to cruise there as long as they're traveling the speed limit. This selfish ...

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July 13, 2023

A Mechanic Reveals How to Avoid Costly Car Repairs

By Tony

You don't have to be a car mechanic to know that cars are expensive. Most people also understand that cars are not only expensive to buy - they're expensive to operate and maintain too. As a car mechanic for more than 20 years, I know this better ...

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July 12, 2023

The Intentional Obsolescence Scam: How It’s Robbing You Blind

By Mikey Rox

This may come as a shock, but some of the most trusted brands to which you're loyal are selling you things that are designed to break or otherwise become useless after a period of time. There's a name for this shady practice -- planned or intentional ...

Continue reading The Intentional Obsolescence Scam: How It’s Robbing You Blind

July 11, 2023

The Best and Worst Dollar Store Deals

By Len Penzo

You may be surprised to learn that, when compared to other markets, not everything sold at a dollar store is a bargain. So, what are the best and worst dollar store deals? Well, to find out, I recently took a little shopping trip and compared the ...

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July 10, 2023

Black Coffee: Sharp-Dressed Men

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: Sharp-Dressed Men

July 8, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 18

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: Since I felt well and energetic during the last months of my pregnancy, 1957, I decided to answer an ad in the Washington Post ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 18

July 6, 2023

Drive-By Movie Review: The Good German

By Len Penzo

This is a review of the 2006 movie The Good German starring George Clooney, Tobey Maguire, and Cate Blanchette Plot Summary: While in post-war Berlin to cover the Potsdam Conference, an American military journalist is drawn into a murder ...

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July 5, 2023

4 Things To Consider When Shopping For Your First Home

By Corazon Gritar

Buying your first home can be an exciting time. That being said, shopping for your first home is also incredibly stressful. If you're not used to looking at houses for sale on the real estate market, you can easily be overwhelmed. So where do you ...

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July 4, 2023

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 ...

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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 ...

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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 ...

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June 28, 2023

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