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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Black Coffee: Back to the Borscht Belt

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: Back to the Borscht Belt

May 21, 2022

Buying Your First Home? Here Are Some Financial Assistance Options

By Sabado Domingo

Do you dream of someday owning a home of your own? Are you concerned that you'll never be able to swing it financially? Lack of money for a down payment, closing costs, inspections, and other expenses related to purchasing a home can definitely ...

Continue reading Buying Your First Home? Here Are Some Financial Assistance Options

May 20, 2022

Yes, You Can Afford It!

By Tex Freitag

Do you ever ask yourself, when considering a major purchase: "Can I afford that?" It's a relevant question in an era when inflation is taking its toll on household income and people are finding it harder to get good jobs. However, the good news is ...

Continue reading Yes, You Can Afford It!

May 20, 2022

100 Words On: Why It’s Not Poor Etiquette to Put Ketchup on a Hot Dog

By Len Penzo

There are plenty of food snobs out there who insist that it is sacrilegious to put ketchup on a hot dog. That assessment is echoed by The National Hot Dog Council which proclaims that ketchup should never be put on a hot dog by anyone over the age of ...

Continue reading 100 Words On: Why It’s Not Poor Etiquette to Put Ketchup on a Hot Dog

May 19, 2022

6 Responsible Ways to Use Your Emergency Funds

By Sabado Domingo

Opening a savings account for emergency funds helps individuals and families weather uncertain financial times. Without careful planning and a personal savings account dedicated to saving for life events, it can be difficult to manage a significant ...

Continue reading 6 Responsible Ways to Use Your Emergency Funds

May 18, 2022

The 6 Most Valuable Grocery Store Products

By Len Penzo

When it comes to utility, not all grocery items are created equal. If value can be defined by versatility then, some grocery items offer a lot more bang for your buck than others. Sure, everybody knows about the incredible and legendary ...

Continue reading The 6 Most Valuable Grocery Store Products

May 16, 2022

Black Coffee: Out to Lunch

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: Out to Lunch

May 14, 2022

How to Set Up a Proper Gambling Budget

By Sabado Domingo

When it comes to online gambling, there is usually only one goal in mind: to win money. Yes; it's possible to win thousands of dollars in a single session of online gaming. But if you don't have a solid financial plan in place, things could quickly ...

Continue reading How to Set Up a Proper Gambling Budget

May 13, 2022

How to Guarantee a Social Security Disability Claim

By Sabado Domingo

Having an accident at work can be life-changing in all the wrong ways. A once-friendly employer can start heaping the blame on you to save themselves, and dealing with the physical repercussions can leave you heartbroken and exhausted. Not to ...

Continue reading How to Guarantee a Social Security Disability Claim

May 12, 2022

Grandfather Says: Croc Hunting in Mindanao

By RD Blakeslee

When he was in the army, Grandfather was detailed to the island of Mindanao, serving as cadre for a Filipino surveying company contracted by the US Government to survey and map the Philippines. The Southern part of Mindanao was Moro (Muslim) ...

Continue reading Grandfather Says: Croc Hunting in Mindanao

May 12, 2022

How to Save Money on Dental Care So You Won’t Go Broke at the Dentist

By Jason Cabler

The Great Len Penzo has asked me - nay, compelled me - to write a post on how to save money at the dentist. Of course, he came to the right guy because I use things like dental forceps and dental wire bending pliers on a regular basis. Yes; I'm a ...

Continue reading How to Save Money on Dental Care So You Won’t Go Broke at the Dentist

May 11, 2022

7 Big Reasons Why a Roth IRA Isn’t the Best Way to Save for Retirement

By Mikey Rox

Are you trying to decide whether or not you should be building your retirement savings with a Roth IRA? It's true; using a Roth IRA has its advantages -- but there are also more than a few reasons that may make you think twice before getting one. ...

Continue reading 7 Big Reasons Why a Roth IRA Isn’t the Best Way to Save for Retirement

May 10, 2022

3 Ways That Great Sleep Helps You Get Richer

By Sabado Domingo

The healthier you are, the richer you get. And the richer you are, the healthier you get. You've certainly heard about vicious cycles - but what about healthy ones? The truth is, getting a great night's sleep can help you reach your financial goals, ...

Continue reading 3 Ways That Great Sleep Helps You Get Richer

May 9, 2022

Black Coffee: Are You Not Entertained?

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: Are You Not Entertained?

May 7, 2022

100 Words On: What You Should Always Do Before Buying Stuff Online

By Len Penzo

It's estimated that online sales in the United States was $870 billion in 2021 -- that's a lot of people clicking on website "Buy Now" buttons. I recently saved $25 on a $100 online purchase simply because I spent two minutes searching the ...

Continue reading 100 Words On: What You Should Always Do Before Buying Stuff Online

May 5, 2022

5 Pointers to Help You Pick the Right Home Loan

By Enero Febrero

Home loans are the only way that most people around the world today can afford to buy homes. This is especially true for real estate in expensive locales from San Francisco to New York -- and even homes in a city like Mumbai. With the high prices ...

Continue reading 5 Pointers to Help You Pick the Right Home Loan

May 4, 2022

What Is a Home Warranty and Do You Need One?

By Sabado Domingo

Taking care of your home can be tough and many things can go wrong. Home appliances are the first to go and can take large amounts of money to repair and replace. This is where home warranties come in! Home warranties can provide you with the funds ...

Continue reading What Is a Home Warranty and Do You Need One?

May 3, 2022

8 Ways to Tame Your Credit Card Debt Fast!

By Mikey Rox

Somebody printed this on a T-shirt: "The holidays are over and all I got was a mountain of debt!" Sound familiar? Don't feel bad; you're not alone. According to Wallet Hub, the average credit card balance per US household is now $8590. And with ...

Continue reading 8 Ways to Tame Your Credit Card Debt Fast!

May 3, 2022

How A Gold Backed IRA Can Help Protect Your Retirement Nest Egg

By Tex Freitag

The stock market made great gains over the last several years. But that trend is clearly changing. As a result, if you have a traditional IRA or 401k, your retirement funds could be at risk. In fact, there is now plenty of evidence to at least ...

Continue reading How A Gold Backed IRA Can Help Protect Your Retirement Nest Egg

May 2, 2022

Black Coffee: A Fistful of Dollars

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: A Fistful of Dollars

April 30, 2022

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