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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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4 Steps to Take When You Have to Sell Your House Quickly

By Sabado Domingo

It can be overwhelming to wake up one day and realize -- OMG! -- I need to sell my house! Maybe you lost your job or hopefully, you got that big promotion, and you have to move halfway across the country. Whatever the catalyst may be, when you ...

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March 8, 2022

Lottery Fraud: Don’t Get Caught Paying ‘The Stupid Tax’

By Len Penzo

There's an old joke that goes something like this: In order to raise additional revenue, the government is introducing a National Lottery with a daily grand prize of $50 million. Winners will get $1 annually for 50 million years. Heh. I smile ...

Continue reading Lottery Fraud: Don’t Get Caught Paying ‘The Stupid Tax’

March 7, 2022

Black Coffee: What’s Past Is Prologue

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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March 5, 2022

Grandfather Says: A Wintry View of My Raised-Bed Vegetable Garden

By RD Blakeslee

Today I thought I would share a photo of Grandfather's garden area, comprised of raised beds, a cold frame (far right), surrounded by an eight-foot-high electric fence (evidenced by the white poles). Behind the garden (farthest away in the ...

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March 3, 2022

Individual & Business Sales Made Easy With Classified Advertisements

By Sabado Domingo

When you're in need to sell something, you can either go to a dealer or some other known entity, or you can place a classified advertisement. There are various modes of posting classified ads nowadays, including the print media and the digital media. ...

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March 2, 2022

My 12-Year-Old Daughter Shares Her Secrets for Saving Money

By Lenina Penzo

Hello! It's me, Nina, again! My dad asked me to write another post for him. He let me pick the picture too! He paid me $15 for this, by the way. (Thank you, Dad!) That money's going to come in handy too because lately I've been trying to save ...

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March 1, 2022

Can Gold Really Get to $80,000 Per Ounce? Yes – and Here’s How

By Len Penzo

One of the biggest problems with our current monetary system is that we use the dollars we earn to not only buy things and pay our bills, but also as a savings vehicle, whether those savings are for a rainy day account, our kids' college fund, or ...

Continue reading Can Gold Really Get to $80,000 Per Ounce? Yes – and Here’s How

February 28, 2022

Black Coffee: All That Glitters

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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February 26, 2022

100 Words On: Why You Don’t Need an MBA to Manage Your Finances

By Len Penzo

Never assume that just because a person holds an MBA, he knows how to run a business; the road is littered with MBA-sporting CEOs who ignominiously drove their companies into the ground. Conversely, there are just as many CEOs -- guys like ...

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February 24, 2022

The Top 5 Technology Considerations for Businesses

By Sabado Domingo

Businesses of all kinds have been incorporating a greater amount of technology into their everyday activities. Not only are businesses today responsible for building and maintaining a strong online presence but they are working with new technologies ...

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February 23, 2022

Romance Scams On the Rise: How to Stay Financially Safe Online

By Sabado Domingo

As more and more of our lives go online, it's no wonder that we look for ways to stay safe. In fact, 57% of us prefer to carry out our banking over the Internet, and that number is increasing all the time. Yet, recent reports of an increase in ...

Continue reading Romance Scams On the Rise: How to Stay Financially Safe Online

February 22, 2022

4 Things You Can Do to Lower Your Homeowner’s Insurance Rates

By Corazon Gritar

Your homeowner's insurance is there to help you in case anything goes wrong in your home. That being said, 5.3% of homeowners filed an insurance claim last year. Insurance claims can raise your rates, unfortunately. And while there are countless ...

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February 22, 2022

4 Frugal Dining Spots Most People Never Consider – But Really Should!

By Len Penzo

There's nothing worse than being stuck in a rut. When it happens, the quickest remedy is to try and think unconventionally. The trouble is, for most of us, outside-the-box thinking can be extremely difficult. True, thinking outside the box can ...

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February 21, 2022

Black Coffee: America’s Faustian Bargain

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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February 19, 2022

Grandfather Says: A Big Secret for Doing Well in Life

By RD Blakeslee

Grandfather says he used to work for the government. He was a patent examiner. In common with all other bureaucrats, he had the authority to tell folks they could or couldn't do this or that -- in Grandfathers authority, get a patent. Well, the ...

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February 17, 2022

How to Become a Homeowner In 3 Easy Steps

By Sabado Domingo

For many people, owning a home is part of the American Dream. Given the number of available homes on the market coupled with historically low interest rates, it's no wonder that more and more people are taking steps to purchase their own home. With a ...

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February 16, 2022

Con-Do or Con-Don’t: What to Consider Before Buying a Condo Investment Property

By Corazon Gritar

There's no denying the fact that real estate investments, when executed properly, can lead to a number of financial rewards. But while most investors think of single and multi-family homes as being the wisest investments, many people underestimate ...

Continue reading Con-Do or Con-Don’t: What to Consider Before Buying a Condo Investment Property

February 15, 2022

Can You Consolidate Debt with a Personal Loan?

By Sabado Domingo

There are a few different ways to consolidate your debt, and one of those ways is by taking out a personal loan. A personal loan can be a great way to get rid of high-interest credit card debt, but there are some things you need to know before you ...

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February 14, 2022

Buying a House vs. Being a Life-Long Renter

By Sabado Domingo

According to a 2016 census, as much as 67% of the population are homeowners. That's not surprising as most Australians dream of owning their own home. However, for some, it is not possible and others need to choose between buying a house and being a ...

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February 14, 2022

How to Bet Responsibly for Your Favorite Team

By Tex Freitag

While fans may be stressed to back their team no matter what, this does not always translate as well when placing a wager for an upcoming sporting event featuring their dearly beloved club, with fans often placing bewildering stakes on their side ...

Continue reading How to Bet Responsibly for Your Favorite Team

February 14, 2022

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