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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Million Dollar Neighborhoods Are Still Popping Up Across the US

By Corazon Gritar

Across the United States, more than 800 neighborhoods have a median home value that exceeds $1 million, according to a report by Trulia. This new data means that the number of US homes costing $1 million or more has doubled since 2012. While the ...

Continue reading Million Dollar Neighborhoods Are Still Popping Up Across the US

January 17, 2023

Why Extended Warranties for New Tires Are A Waste of Money

By Len Penzo

A while back I bought four new tires for my old car. The tires came with a pro-rated 65,000-mile guarantee and were $74 each, or just under $300 for the entire set. As the salesman was tallying the bill he asked if I'd like to purchase the ...

Continue reading Why Extended Warranties for New Tires Are A Waste of Money

January 16, 2023

Black Coffee: Walking on Eggs

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: Walking on Eggs

January 14, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 5

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: Our "Goodbye Date" and the Trip to Washington, DC and Ft. Belvoir, Virginia Belle Isle in the Detroit River is where Dave ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 5

January 12, 2023

How Video Conferencing Reduces Small Business Costs

By Enero Febrero

Saying that running a small business is a difficult task is like saying the ocean is a little wet. Such understatements aside, the fact of the matter is that any organization have to make the most of its limited budget if it wants to remain viable in ...

Continue reading How Video Conferencing Reduces Small Business Costs

January 11, 2023

4 Ways Social Media Use Makes You Vulnerable to Identity Fraud

By Anum Yoon

Most of us use at least one form of social media to stay in touch with friends and family we don't get to see every day. Whether it's Facebook, Snapchat, Twitter, or Instagram, social media gives us the ability to share updates with all our friends ...

Continue reading 4 Ways Social Media Use Makes You Vulnerable to Identity Fraud

January 10, 2023

Tips for Budgeting a Wedding

By Corazon Gritar

Budgeting for a wedding can seem like an overwhelming task. Most people need help figuring out where to begin. However, it doesn't have to be stressful. This article will help you break down every part of budgeting a wedding into manageable parts. ...

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January 9, 2023

Debt Elimination: The Pros and Cons of Dave Ramsey’s Baby Steps

By Len Penzo

Many folks looking for a way to get out of debt and achieve financial freedom eventually gravitate to financial expert Dave Ramsey's Baby Steps program. One thing is certain: Regardless of the pros and cons, there is no denying Ramsey's seven-step ...

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January 9, 2023

Black Coffee: The Future of Money

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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January 7, 2023

Why It Doesn’t Always Pay to Do It Yourself

By Len Penzo

With the current economic malaise continuing to strain household budgets, it's no wonder that a growing number of people have decided to stretch their incomes by taking on more do-it-yourself tasks. As a result, thrifty folk from all walks of life ...

Continue reading Why It Doesn’t Always Pay to Do It Yourself

January 5, 2023

Why You Should Use Comparison Sites

By Sabado Domingo

Shopping online has become increasingly popular in recent years, with consumers able to purchase a wide range of products and services from the comfort of their own homes. While this is convenient and oftentimes easier than shopping in physical ...

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January 4, 2023

The 5 Best Smart Phone Budgeting Apps

By Ahmad Raza

A good smartphone isn't cheap, especially if you care about special features and hardware capabilities. Of course, the better the mobile phone is, the more you'll have to pay. These days a top of the line iPhone can run more than $1000. However, they ...

Continue reading The 5 Best Smart Phone Budgeting Apps

January 4, 2023

9 Smart Business Tips for Freelancers

By Mikey Rox

Freelancing is a great gig if you can manage it, but it's not as easy as it looks. For instance, when you're just starting out as a freelancer you may forgo contracts to get a gig. But what happens if the client skips out without paying? How do you ...

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January 3, 2023

Dear Friend: Here Are 41 Reasons Why I’m NOT Lending the Money

By Len Penzo

The conventional wisdom is that you should never lend money to friends or family. For me, that old saw was reinforced after I read a curious article in the Huffington Post that attempted to explain why our friends and family often fail to repay ...

Continue reading Dear Friend: Here Are 41 Reasons Why I’m NOT Lending the Money

January 2, 2023

Black Coffee: Decisions, Decisions

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. Another busy week is crossed off the ...

Continue reading Black Coffee: Decisions, Decisions

December 31, 2022

Grandfather Says: The Continuing Chronicles of Elaine, Part 4

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: "Greetings Letter" from the Army In late 1951 during the Korean War, Dave received his "Greetings" letter, the draft notice ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 4

December 29, 2022

How to Manage and Take Advantage of Your Bankroll When Betting Online

By Tex Freitag

The world of online sports betting can be lucrative, but it can also be dangerous if you don't know how to manage your bankroll. That's why today we're going to look at how to manage and take advantage of your bankroll when betting online. We'll ...

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December 28, 2022

When Credit Card Companies Fight, Travelers Should Rejoice

By Craig Ford

We all know competition is good. It's good for we, the people. For instance, I tend to closely watch offers in an effort to get free travel with credit cards. And I've noticed there have been some outstanding credit card sign up bonuses over the ...

Continue reading When Credit Card Companies Fight, Travelers Should Rejoice

December 28, 2022

Lower Your Heating Bill with this Home Winterization Checklist

By Anum Yoon

Saving on your heating bills during the winter is easier than many think. While some may claim substantial savings can only occur after an entire heating system revamping or a lofty project, you can lower your home heating bill by doing just a few ...

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December 27, 2022

Scientists Say This Clever Trick Can Help You Break Your Overspending Habit

By Len Penzo

The other day I was reluctantly helping the Honeybee clean out her our closet -- and having a thoroughly miserable time doing it, I might add -- when I came across a couple of old Discover magazines. I canceled my subscription to Discover years ...

Continue reading Scientists Say This Clever Trick Can Help You Break Your Overspending Habit

December 26, 2022

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