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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Grandfather Says: Twas a Time When Coal Was Used to Heat Houses

By RD Blakeslee

In 1930's Detroit, coal was the predominant fuel used for heating in the winter. The coal was delivered at grandfather's house by a chute from a coal delivery truck. The coal went through a basement window into a small room called the "coal bin." The ...

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December 26, 2019

4 Ways to Save Money On Long-Term Care Insurance

By Sabado Domingo

If you're like most other people, you're probably looking for a way to save money. If you're looking more closely at your budget, you're probably wondering about where costs can be cut, and where savings can be made. Cutting anything that isn't an ...

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December 25, 2019

Merry Christmas, Everyone!

By Len Penzo

Well, folks, I need to get my Christmas dinner in the oven today. I'm looking forward to enjoying a peaceful day with my family -- and maybe a football game or two! In the meantime, I just want to thank everyone who has taken the time to stop by ...

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December 25, 2019

Why Getting Preapproved for a Home Loan Is Important

By Enero Febrero

Buying a home is always a stressful time and you're going to want to make sure you have the funds for closing on your dream property. The best way of making sure your funds are in place to transfer when your house purchase closes is to follow the ...

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December 24, 2019

10 Things Most of Us Can’t Live Without Today – But Our Grandmas Did!

By Len Penzo

Last week my Gen Z kids and I were discussing modern conveniences that my grandparents didn't have. I think most people today would agree that life would still go on if we didn't have consumer products and services like GPS devices, plastic sandwich ...

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December 23, 2019

Black Coffee: The Fed’s Green Christmas

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. Merry Christmas, everyone! I hope ...

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December 21, 2019

7 Car Maintenance Tips Every Parent Should Share With Their Teenagers

By Tex Freitag

There comes a time in most parents' lives when they're pinning themselves against the passenger seat, hand firmly clutched around the grip handle, foot planted against the floorboard, as their beloved teenage driver takes to the road. In between ...

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December 20, 2019

100 Words On: Why It Pays to Keep It Simple, Stupid

By Len Penzo

Keep it simple, Stupid. That's something we've all been told at one time or another, for any variety of reasons. That's usually sage advice -- especially when it comes to managing your personal finances. There's no need to make things complicated. ...

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December 19, 2019

Should You Really Buy a Car Online?

By Sabado Domingo

The answer in many ways to a consumer's prayers, buying a car online can circumvent many of the unpleasant aspects of purchasing a new vehicle. On the other hand, this method also bypasses a number of factors key to getting the car you need. Thus, ...

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December 18, 2019

Is It Possible to Retire With a Million Dollars?

By Jeff Desjardins

For those of you still wondering if a million bucks is enough to retire on, this article by Jeff Desjardins from the Visual Capitalist will certainly put the concept of having a million dollars in perspective ... Being a millionaire is ...

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December 16, 2019

Black Coffee: The Fed Quietly Mans Its Battle Stations

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. Merry Christmas, everyone! I hope ...

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December 14, 2019

What Is Tissue Engineering?

By Enero Febrero

There are many types of work that make curious people sit up and ask, "What on earth is that all about?" -- perhaps none moreso than "tissue engineering." And although it may sound like some form of oragami, it's not that at all. So what, exactly, ...

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December 13, 2019

Grandfather Says: Run, Run, Rudolph!

By RD Blakeslee

Back when Grandfather was a young buck, 60 or so, he walked behind a mule train on the Bright Angel trail halfway to the bottom of the Grand Canyon. Grandmother rode a mule named "Rudolph." Grandfather had to walk, because the mule skinners said ...

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December 12, 2019

Great Tips and Strategies for Successful Mortgage Refinancing

By Sabado Domingo

Whenever interest rates are rising, it's essential to be aware that the sooner you make the decision to refinance your mortgage, the better price you can expect to get. But this doesn't mean mortgage refinancing should be taken lightly, as it's a ...

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December 11, 2019

Black Coffee: Smiling Faces and Reassuring Voices

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 glorious weekend is ...

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December 7, 2019

100 Words On: Why Buying in Bulk Is Not Always a Smart Idea

By Len Penzo

Although it requires extra storage and higher upfront costs, many consumers buy their groceries and other products in bulk to save money. But that strategy can quickly backfire for those who indiscriminately buy massive quantities of ...

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December 5, 2019

The Importance of Creating Professional Invoices for Your Business

By Sabado Domingo

Nowadays, professional invoices are essential for every business to run. Whether you're a startup or already in the industry, you need a proper invoicing system to help you stay in control of all your payments. When you're able to keep track of your ...

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December 4, 2019

7 Basic Financial Goals Everyone Should Strive For

By Enero Febrero

Financial security is becoming the top priority for people around the globe. Gone are the days when having wealthy parents guaranteed a financially-secure life for their kids. Today, almost everyone has to work hard to ensure their financial ...

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December 3, 2019

10 Key Characteristics of Debt-Free People

By Len Penzo

The other day a friend and I were discussing why some people manage to live their lives in complete control of their finances, while others are continually struggling to get out of debt -- no matter how much money they make. Financial freedom can be ...

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December 2, 2019

Black Coffee: Egg Nog and Seed Corn

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 is having a wonderful ...

Continue reading Black Coffee: Egg Nog and Seed Corn

November 30, 2019

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