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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Dear Diary: How I Fixed My Water Heater Without a Plumber and Saved $400

By Len Penzo

The Honeybee alerted me to the fact that our hot water heater was making popping and cracking sounds that she had never heard before. This got me a bit worried because the heater was 12-years-old and I knew it was on its last legs. When a water ...

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July 18, 2022

Black Coffee: Cancelled Due to COVID

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 17, 2022

Grandfather Says: The DIY Harpsichord

By RD Blakeslee

Grandfather built a harpsichord once; in 1970. It was an "expressive" double-manual, incorporating many of the traditional French/Flemish characteristics, but with some modern materials, like Delrin plastic for the plectra. It was a kit, but ...

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July 14, 2022

10 Reasons Why I Hate Bottle Redemption Fees (and You Should Too)

By Len Penzo

Currently, ten states have some form of bottle bill on their books that require deposits on certain aluminum and glass beverage containers that can be returned later for a refund. In addition to my home state of California, the other states that have ...

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July 11, 2022

Black Coffee: The Hair of the Dog

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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July 9, 2022

100 Words On: Why You Should Never Ever Be Afraid of Failure

By Len Penzo

Most of us learn to fear failure and avoid it at all costs. During our quest for financial freedom, however, well encounter plenty of failures. Usually, we learn from them and move on. Sadly, the fear of failure is also used as a convenient excuse ...

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July 7, 2022

How to Retire Five Years Earlier Than You May Think You Can

By Joel Larsgaard

Who wants to work 'til they're 75? Not me. That's why I'm constantly thinking of ways to make a little more or spend a little less in order to save more for the future. If you have the same priority, then there is one change that you can make in ...

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July 6, 2022

11 Dollar Store Bargains You’d Be Crazy to Buy Anywhere Else

By Mikey Rox

Thanks to rampant inflation, most dollar stores today are actually "$1.25 stores." But that doesn't mean you still can't find ridiculous bargains there that you'd be crazy to buy anywhere else! For control purposes, I compared dollar store items ...

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July 5, 2022

What to Look for When Purchasing a Medical Alert System

By Tex Freitag

As our loved ones get older it's only natural to worry about their safety. This is particularly true if your loved one wants to stay in their own home as they get older. You're bound to feel worried about them being on their own and without help ...

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July 4, 2022

What Everyone Should Know Before Depositing Their Money In a Bank

By Len Penzo

In case you're wondering, only 10% of all humans have an "outie" belly button. At least that's what Wikipedia claims. For what it's worth, like most folks, I have an "innie." By the way, belly buttons don't have a monopoly on innies and outies; ...

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July 4, 2022

Black Coffee: Born on the 4th of July

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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July 2, 2022

How To Start Investing In Cryptocurrencies

By Sabado Domingo

what is crypto airdrop

According to the most recent data, there are 18,000 different cryptocurrencies, with a total market value of $2.1 trillion. This growing popularity has led to a surge in interest from investors looking to get into the market for the first ...

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July 1, 2022

Grandfather Says: The Travails of Working with Stone

By RD Blakeslee

Stone. Grandfather says he thinks it's one of the substances that's been intertwined with everything mankind has done from time immemorial. There was the interaction of the Alps, elephants and Hannibal in 218 BC. Somewhat later, there was ...

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June 30, 2022

5 Expert Tips for Saving Money with a Credit Card

By Enero Febrero

For many people, a credit card offers a flexible way to access funds when they're needed. However, credit cards can do much more than this when they're used properly -- and can in fact end up saving you money in the long run. Selecting the right ...

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June 29, 2022

How to Implement Strategic Planning Processes

By Sabado Domingo

Whether concerning personal finance, education, or the minutiae of day to day life, there are certain basic principles that, when applied, can be used to better ensure success and mitigate the impact of unforeseen events as we set goals and strive to ...

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June 28, 2022

When It Doesn’t Pay to Buy Big-Ticket Items on Sale

By Len Penzo

Not too long ago a twentysomething friend of mine was telling me all about the brand new big-screen high-definition television he bought. According to him, it was a great deal. "How much was it?" I asked. "I paid $2000 after I got the guy to ...

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June 27, 2022

Black Coffee: Digital Castles in the Air

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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June 25, 2022

How to Improve Your Sports Betting Success

By Tex Freitag

Attitudes towards sports betting have changed beyond all recognition in the past few years. As recently as a generation ago, the majority of sports punters were deadly serious about their gambling and about betting to win. Whether it was football, ...

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June 24, 2022

Toyota Has Started Accepting Bitcoin for Payment

By Sabado Domingo

As bitcoin becomes more popular, some businesses are beginning to accept cryptocurrency as payment. One such business is Toyota, which recently announced that they would start accepting bitcoin for certain car purchases. Their decision to accept ...

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June 24, 2022

100 Words On: Why You Need Emergency Savings AND a Rainy Day Fund

By Len Penzo

People often use the terms "rainy day fund" and "emergency savings" interchangeably when they are really two completely different forms of personal finance insurance. A rainy day fund is meant to help you weather short-term, relatively low-impact ...

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June 23, 2022

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