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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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5 Ways to Get Rid of Your Unwanted Christmas Gifts

By Anum Yoon

Christmas is the season of giving. In some cases, that can include giving away. That's because no matter how many gifts you receive, there may be a few items in your haul that you neither need nor want. But are there inoffensive ways to get rid of ...

Continue reading 5 Ways to Get Rid of Your Unwanted Christmas Gifts

December 13, 2022

How to Save Money at the Vet and Minimize Pet Medical Costs

By Len Penzo

Awhile back, we took our Rhodesian Ridgeback to the veterinarian for what I like to describe as a pet "lube, oil and filter." To put it another way, we had him placed under a general anesthetic so the vet could clean his teeth and work on repairing a ...

Continue reading How to Save Money at the Vet and Minimize Pet Medical Costs

December 12, 2022

Black Coffee: A Gold Wrench in the Fiat Money Machine

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: A Gold Wrench in the Fiat Money Machine

December 10, 2022

Grandfather Says: The Continuing Chronicles of Elaine, Part 2

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: The Beginning of Courtship He gave me "the rush," as we called it then, coming over and calling all the time, and taking me ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 2

December 8, 2022

The Importance of Good Moral Character

By Len Penzo

When evaluating people, they say good moral character trumps all. Coach John Wooden always preached that character was more important than reputation because "character is what you really are, while reputation is merely what others think you are." ...

Continue reading The Importance of Good Moral Character

December 8, 2022

A Few Thoughts from Aunt Doris: Do I Know You?

By Aunt Doris

Don't you just hate it when you're out and someone comes up to you and says, "Hey! Long time no see! How are you doing?" And then you think: Who are you? Then they start rambling on while you desperately rack your brain trying to place them: Is ...

Continue reading A Few Thoughts from Aunt Doris: Do I Know You?

December 7, 2022

The Importance of Understanding Energy Tariffs

By Sabado Domingo

Energy is necessary for running our businesses and homes, but it can be costly. Consumers and suppliers alike have borne the brunt of the UK's energy crisis, which has since seen the price of energy skyrocketing thanks to high energy ...

Continue reading The Importance of Understanding Energy Tariffs

December 6, 2022

How Does Blockchain Technology Work? Here’s a Simple Example

By Len Penzo

If you want to know how blockchain technology works, it would be helpful to understand how it got started. When looking back at the history of blockchain technology, the initial seeds of its creation were planted in a 1991 research paper entitled ...

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December 6, 2022

7 Tips for Achieving Financial Freedom

By Tex Freitag

Every person's definition of financial freedom is different, but the goal for most people is to live comfortably without depending on a paycheck. It's an attainable goal, but it requires hard work and dedication. But once financial freedom is ...

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December 5, 2022

When Is the Right Time to Use Your Wealth Insurance (Gold & Silver)?

By Len Penzo

Many people who understand that our current unsustainable debt-based monetary system is in its death throes protect their hard-earned nest eggs by purchasing physical gold and silver. Ironically, many are understandably uncertain about the right time ...

Continue reading When Is the Right Time to Use Your Wealth Insurance (Gold & Silver)?

December 5, 2022

Black Coffee: Banking On Trust

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: Banking On Trust

December 3, 2022

Here’s How to Take Advantage of Everyday Sales for Everyday Items

By Enero Febrero

Every month, you have to buy items for yourself and your household that are not very expensive on their own. But if you added up the cost of all these things together, they'd amount to a big bill. Most people always look for ways to save, either by ...

Continue reading Here’s How to Take Advantage of Everyday Sales for Everyday Items

November 30, 2022

8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

By Anum Yoon

Are you struggling (again) to come up with some unique Christmas gift ideas? This year, instead of waiting in long lines at the shopping malls or surfing hundreds of websites, why not try something different? Give a low cost homemade Christmas gift ...

Continue reading 8 Clever Low-Cost Homemade Gifts Everyone Will Enjoy

November 29, 2022

Home Repair Scams: Here Are the 9 Biggest

By Len Penzo

I've had numerous home repair scammers come to my house through the years offering "great deals" that were really anything but. You know the type. Most of these guys wouldn't know what a contractor's license looked like if it hit them in the ...

Continue reading Home Repair Scams: Here Are the 9 Biggest

November 28, 2022

Black Coffee: Buying High and Selling Low

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: Buying High and Selling Low

November 26, 2022

Grandfather Says: The Continuing Chronicles of Elaine

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: Recently, 2001, Dave and I had some fun reading one of my old diaries, written when Jerry and Dave overlapped, gradually ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine

November 24, 2022

The Parents’ Guide to Helping Your Child Choose a College

By Sabado Domingo

Choosing a college is one of the most daunting decisions young adults face. That's why it's important for parents to offer advice and guidance. It's also important for families to seek advice from high school guidance offices and family friends. ...

Continue reading The Parents’ Guide to Helping Your Child Choose a College

November 23, 2022

What Gig Workers Should Plan For

By Sabado Domingo

More and more workers are turning to the gig economy for work as either full-time income or supplemental income. Maybe you need it to make ends meet, or maybe you want to work more on your own terms for a better work-life balance. But no matter why ...

Continue reading What Gig Workers Should Plan For

November 22, 2022

4 Ways to Have a Budget Friendly Wedding

By Corazon Gritar

While any major party or event has its costs, weddings with ridiculous price tags are becoming increasingly common. In fact, the cost of weddings in recent years has forced some couples to put off tying the knot altogether. The average amount spent ...

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November 22, 2022

How Hard vs. Soft Credit Checks Can Impact Your Life

By Sabado Domingo

Living in this current economic climate has been a struggle for Millennials. With auto loan debts and zero retirement savings weighing down many young adults, it seems impossible to dig themselves out of the hole. But you can solve a handful of money ...

Continue reading How Hard vs. Soft Credit Checks Can Impact Your Life

November 21, 2022

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