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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Why You Should Never Put Miracle Whip on a Tuna Sandwich

By Len Penzo

You should never put Miracle Whip on a tuna sandwich. Why? Because while mayonnaise is considered a condiment, any decent chef knows that, technically, it's a sauce. Beautiful in its simplicity, mayo is nothing more than egg whites, oil, lemon juice, ...

Continue reading Why You Should Never Put Miracle Whip on a Tuna Sandwich

February 9, 2023

How to Earn More: 4 Tips That Can Help You Get a Salary Raise

By Tex Freitag

If you’re struggling with your daily expenses, it may be time to re-assess your salary. One survey reveals that 55% of employees have incomes that have not kept up with rising household expenses, despite the high inflation rates. Though about 40% of ...

Continue reading How to Earn More: 4 Tips That Can Help You Get a Salary Raise

February 8, 2023

Divorce Can Not Only Hurt Your Heart, But Your Credit Score Too

By Corazon Gritar

Marriage is considered to be a rite of passage for most Americans -- although it's not all wedded bliss. The unfortunate truth is that 40% to 50% of marriages in the US end in divorce. In fact, approximately 827,000 divorces happen every year. And ...

Continue reading Divorce Can Not Only Hurt Your Heart, But Your Credit Score Too

February 8, 2023

What Is an IRS Offer in Compromise?

By Sabado Domingo

Are you facing a mountain of unpaid tax debts? If so, you might consider working with a tax attorney to apply for an offer in compromise (OIC) with the IRS. This tax settlement option allows debt holders and the IRS to agree on a manageable ...

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February 7, 2023

8 First-Time Investing Tips for Couples

By Mikey Rox

There are milestones to which most couples look forward and for which they prepare -- such as getting married -- but the same can't always be said for making joint investments. What you do with your money is an important and impactful consideration ...

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February 7, 2023

How to Know If You’re Dating a Deadbeat

By Len Penzo

Are you afraid you may be romantically attached to a financially irresponsible person? Or maybe you're unsure about how to know if you're dating a deadbeat. These are both serious situations that require immediate attention. I'm very fortunate that ...

Continue reading How to Know If You’re Dating a Deadbeat

February 6, 2023

Black Coffee: Par for the Course

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: Par for the Course

February 4, 2023

The Continuing Chronicles of Elaine, Part 7

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: When I graduated from The High School of Commerce in June of 1952, Dave was home on furlough and he went with me to a ...

Continue reading The Continuing Chronicles of Elaine, Part 7

February 2, 2023

Three Reasons Why Credit Unions Are a Great Choice for a Car Loan

By Sabado Domingo

Are you in the market shopping for a new car? If so, then this article is for you. After you've selected your dream car, the next step is to secure a way to finance your purchase. Don't know where to start? We're here to help. Consider getting a car ...

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February 1, 2023

Bad Habits That Make You a Target of Credit Card Fraud

By Len Penzo

Credit card fraud is much more common than you might think. In fact, it is a multi-billion dollar industry for the criminals who choose to undertake such nefarious work. Of course, there are two big reasons why credit card fraud is so widespread: 1) ...

Continue reading Bad Habits That Make You a Target of Credit Card Fraud

February 1, 2023

Lessons In Tax Law: Why You Should Never Try To Bribe The IRS

By Corazon Gritar

It's no secret that Americans hate taxes. In fact, pretty much all people from all places would prefer not to pay their taxes. There are even stories from the bible about how much Jesus' peers hated tax collectors. Since the creation of the IRS, ...

Continue reading Lessons In Tax Law: Why You Should Never Try To Bribe The IRS

January 31, 2023

Why Paying Off the Mortgage Early May Be a Big Mistake

By Len Penzo

Should you pay off the mortgage early? That question is, without any doubt, the most popular question posed by my readers. And sure enough, the other day I received this note from Lauren regarding the wisdom of paying down the mortgage early: Len: ...

Continue reading Why Paying Off the Mortgage Early May Be a Big Mistake

January 30, 2023

Black Coffee: Welcome to the Fun House

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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January 28, 2023

A Georgia Teacher Shows Why It Always Pays to Read the Fine Print

By Corazon Gritar

We're all guilty of it. We see an alert that tells us we can't continue through an online signup before reading the fine print. But they're often 12 pages of user terms and agreements, if not more. So we roll our eyes and scroll to the bottom. We ...

Continue reading A Georgia Teacher Shows Why It Always Pays to Read the Fine Print

January 26, 2023

Why Extended Warranties Sometimes Do Make Sense

By Len Penzo

The conventional wisdom out there is that it's rarely advantageous to consider an extended warranty unless it's for an automobile. Don't believe it. The truth is, when it comes to extended warranties, things aren't always quite so black and white. ...

Continue reading Why Extended Warranties Sometimes Do Make Sense

January 26, 2023

10 Ways to Get the Most from Your Next Business Conference

By Tex Freitag

Do you often come away from business conferences feeling like you just wasted a lot of time? Of course, the events themselves could be to blame. But it could just as easily be that you're not making the most of them. So, if you're struggling to ...

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January 25, 2023

36 Amazing Uses for Plastic Grocery Bags

By Len Penzo

I've been a big defender of plastic grocery bags for a long time. In fact, last year I challenged readers to tell me why the humble plastic bag is still maligned by so many people. Now I may be just a wee bit biased, but I think I made a very ...

Continue reading 36 Amazing Uses for Plastic Grocery Bags

January 23, 2023

Black Coffee: A Ponzi for Your Thoughts

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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January 21, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 6

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: Dave had traded the wrecked ’36 Chevrolet on a nice used 1946 blue-green Desoto, and that’s the car we used for going to ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 6

January 19, 2023

What You Must Know Before Filing a Medical Malpractice Lawsuit

By Edward M. Bernstein

More Americans are filing medical malpractice suits in the US -- but not because doctors are doing a worse job. In fact, they're doing roughly the same quality job. However, consumers today are more savvy and informed about how to find a malpractice ...

Continue reading What You Must Know Before Filing a Medical Malpractice Lawsuit

January 18, 2023

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