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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Aftermarket Car Parts: Are They Really Worth the Money You Save?

By Len Penzo

Do men or women make better drivers? It's a question that I suspect has been debated ever since Henry Ford started mass-producing his Model T at the turn of the twentieth century. One thing is certain: I know the question has always been a hot topic ...

Continue reading Aftermarket Car Parts: Are They Really Worth the Money You Save?

October 17, 2022

Black Coffee: Orgies of Excess

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: Orgies of Excess

October 15, 2022

Why Creating a Budget Is So Important (for Most People)

By Len Penzo

Creating a budget isn't the answer for everyone. After all, there are many people without budgets who have minimal debt. They also pay off their credit cards monthly and save money. Even so, there are just as many who need a budget to track expenses, ...

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October 13, 2022

Cheap Holidays: How to Travel Abroad During the Economic Downturn

By Sabado Domingo

It should be no surprise to anyone that an economic downturn has affected most of the Western world. In Europe some have been hit harder than others. This, in turn, has had a knock-on effect on the travel and tourism industries in these countries. ...

Continue reading Cheap Holidays: How to Travel Abroad During the Economic Downturn

October 12, 2022

Always Be Sure To Avoid These Common Personal Finance Mistakes

By Sabado Domingo

It is time to give yourself a personal finance audit. After all, when it comes to eliminating common personal finance mistakes, you have to take a long, hard look from time to time to be sure you haven't fallen into one of the many critical errors ...

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October 11, 2022

More Than Half of All Americans Delay Medical Care Due to Costs

By Corazon Gritar

When we become ill or get injured, it seems only natural to seek out medical treatment. But as recent research shows, more than half of Americans choose to delay - or totally refrain from getting - medical care due to one factor: overwhelming ...

Continue reading More Than Half of All Americans Delay Medical Care Due to Costs

October 11, 2022

Trying to Save Money on Gas? Driving Out of Your Way Rarely Helps

By Len Penzo

As inflation continues to wreak havoc on household budgets, people are looking to save money wherever they can. For example, I know people who will drive five miles out of their way, ten miles round trip, just to save a nickel per gallon. Then there ...

Continue reading Trying to Save Money on Gas? Driving Out of Your Way Rarely Helps

October 10, 2022

Black Coffee: Money and Madmen

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. ...

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October 8, 2022

Is a Roth IRA Conversion Wise for You?

By Donna Skeels Cygan

Unless Congress passes new tax laws during the next three years, the tax brackets from 2017 will be back in 2026, resulting in higher taxes for many people. For people in high tax brackets, wise tax planning is essential. One strategy to counteract ...

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October 7, 2022

Grandfather Says: A Heartfelt Poem

By RD Blakeslee

As the sky dims and the light fades and the cold earth calls us home In our old age we love still in a way of a heartfelt poem Our mate is still a lovely sight, envisioned day and night The beauty in the aged lines tell the face of one ...

Continue reading Grandfather Says: A Heartfelt Poem

October 6, 2022

Stretch Your Paycheck: Money-Saving Advice for First-Time Employees

By Sabado Domingo

One factor that employees consider when looking for a new job is their compensation. Before accepting any offer, you should strive to stretch your first paycheck during negotiations so it's as big as possible. At a minimum you should always ensure ...

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October 5, 2022

A History of Digital Comm: When Was the First Video Conference?

By Sabado Domingo

The history of video conferencing is a long and intriguing one. Just like most complex technologies, it went through numerous phases in fits and starts. Today, this type of business communication has become the norm. So how did this fascinating ...

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October 5, 2022

4 Great Marketing Tips for Startups on a Tight Budget

By Corazon Gritar

In many ways, small businesses and startups are the heart and soul of our society. Ensuring that your new business hits the ground running is a real challenge. Not surprisingly, every entrepreneur who is just starting out is eager to embrace ...

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October 4, 2022

Perfection When Managing Money: Is Close Really ‘Good Enough’?

By Len Penzo

I'm not a big football fan. Oh sure, I occasionally enjoy watching football on television. But, unlike hockey and baseball, I rarely bother buying tickets to attend football games in person. That being said, my buddy had an extra ticket to a ...

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October 3, 2022

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. I've got another busy weekend ahead of ...

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October 1, 2022

How to Save Money On Your Online Spending

By Enero Febrero

The Internet has made lots of things easier, including shopping. Gone are the days when you had to leave the house and go to the store to get your groceries. Now you can have them delivered. It's the same for gaming online. You can play without ...

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September 30, 2022

How to Know if You’re Eligible for 2022 Student Loan Forgiveness

By Sabado Domingo

One-time student loan forgiveness could reach millions of borrowers by the end of this year. And some may be able to take advantage of student loan relief eligibility immediately. This year, President Biden announced that Pell Grant recipients who ...

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September 29, 2022

End the Fed: Why the Federal Reserve Must Be Abolished

By Len Penzo

The central bank is an institution of the most deadly hostility existing against the principles and form of our Constitution. If the American people allow private banks to control the issuance of their currency, first by inflation and then by ...

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September 29, 2022

Holiday Shopping Tips: How to Get a Head Start and Maximize Your Budget

By Enero Febrero

While procrastination is a universal phenomenon, we should all be fighting the urge to delay when it comes to shopping for the upcoming holiday season. Although many of us are content to wait and drive to the store a couple days before Christmas, it ...

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September 28, 2022

How to Start Your Life in a New Country

By Sabado Domingo

Starting a life in a new country is equal parts exciting and terrifying. It's exciting because you get to embark on an amazing new journey. At the same time it's terrifying because there are many things you need to do to make it happen. It can be ...

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September 27, 2022

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