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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Black Coffee: And … It’s Gone

By Len Penzo

Black Coffee: And … It’s Gone

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. Okay, away we go ... "We inflate our ...

Continue reading Black Coffee: And … It’s Gone

9 Comments April 21, 2018

Powerful It Is: How Compound Interest Is Like the Force

By Len Penzo

Powerful It Is: How Compound Interest Is Like the Force

George Lucas continues to mislead millions of people into believing that the most powerful force in the universe is, well ... the Force. But every successful household CEO knows for a fact that Lucas is dead wrong. That is not surprising at all given ...

Continue reading Powerful It Is: How Compound Interest Is Like the Force

23 Comments April 16, 2018

Black Coffee: Credit Stiffs, Corporate Zombies and the Walking Dead

By Len Penzo

Black Coffee: Credit Stiffs, Corporate Zombies and the Walking Dead

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. Let's get right to it this week ... "In ...

Continue reading Black Coffee: Credit Stiffs, Corporate Zombies and the Walking Dead

29 Comments April 14, 2018

Black Coffee: Godzilla vs. The Pizza Monster

By Len Penzo

Black Coffee: Godzilla vs. The Pizza Monster

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. And away we go ... "Gold is an ...

Continue reading Black Coffee: Godzilla vs. The Pizza Monster

22 Comments April 7, 2018

Investing Is Easy with GuidedChoice Managed IRA Solutions

By Len Penzo

Investing Is Easy with GuidedChoice Managed IRA Solutions

(This is a sponsored post by GuidedChoice.) Investing is essential for laying the foundation to your future. And wise investing will help provide the retirement dream that you've always wanted. For example, if you've already maxed out your 401k ...

Continue reading Investing Is Easy with GuidedChoice Managed IRA Solutions

April 6, 2018

5 Tips to Save More on Your Auto Insurance Coverage

By Len Penzo

5 Tips to Save More on Your Auto Insurance Coverage

Auto insurance is an area that's important to pay attention to when trying to stick to your budget. So a bit of planning and research is necessary if you want to know how to save money on auto insurance this year. Here are a few key tips to ...

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Leave a Comment April 4, 2018

9 Things We Routinely Overpay For

By Len Penzo

9 Things We Routinely Overpay For

Nobody likes overpaying for stuff. Even so, many people do it without even realizing it. The good news is, by getting the urge to splurge under control, it's possible to save significant amounts of cash that can be used to stretch your household ...

Continue reading 9 Things We Routinely Overpay For

52 Comments April 2, 2018

Black Coffee: Bitcoins, Bolivars and Other Rotten Easter Eggs

By Len Penzo

Black Coffee: Bitcoins, Bolivars and Other Rotten Easter Eggs

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. Let's get right to it, shall ...

Continue reading Black Coffee: Bitcoins, Bolivars and Other Rotten Easter Eggs

25 Comments March 31, 2018

Historical Gold & Silver Benchmarks for Job Wages and Commodity Prices

By Len Penzo

Historical Gold & Silver Benchmarks for Job Wages and Commodity Prices

As the value of the dollar continues to erode, many people are becoming interested in identifying the value of labor, goods and commodities in terms of gold and silver because fiat currencies such as the US dollar are manipulated measuring sticks. ...

Continue reading Historical Gold & Silver Benchmarks for Job Wages and Commodity Prices

11 Comments March 26, 2018

Black Coffee: The Idiot Lights Are Flashing Red

By Len Penzo

Black Coffee: The Idiot Lights Are Flashing Red

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 glorious week comes to an end. ...

Continue reading Black Coffee: The Idiot Lights Are Flashing Red

26 Comments March 24, 2018

Happiness and the Value of Understanding Why You Do What You Do

By Len Penzo

Happiness and the Value of Understanding Why You Do What You Do

Today I want to share with you a very brief -- but brilliant -- story written by Mark Albion that I recently discovered. I hope it encourages you to reflect on your goals in life -- and the strategy you're employing to reach them: The Parable of ...

Continue reading Happiness and the Value of Understanding Why You Do What You Do

18 Comments March 19, 2018

Black Coffee: Fools, Gold, and Fool’s Gold

By Len Penzo

Black Coffee: Fools, Gold, and Fool’s Gold

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. Okay, away we go ... "Gold all is not ...

Continue reading Black Coffee: Fools, Gold, and Fool’s Gold

22 Comments March 17, 2018

A Simple Trick for Getting Credit Card Interest Charges Waived

By Len Penzo

A Simple Trick for Getting Credit Card Interest Charges Waived

There are those who steadfastly insist that credit cards are evil, and that credit card companies are greedy heartless scalawags that care only about one thing: making a profit. I've got news for them: Credit card companies aren't evil. Neither ...

Continue reading A Simple Trick for Getting Credit Card Interest Charges Waived

81 Comments March 12, 2018

Black Coffee: Welcome to the Financial Fun House

By Len Penzo

Black Coffee: Welcome to the Financial Fun House

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. Let's get right to it this week ...

Continue reading Black Coffee: Welcome to the Financial Fun House

28 Comments March 10, 2018

Review: H&R Block Tax Pro Review

By Len Penzo

Review: H&R Block Tax Pro Review

(This post is sponsored by H&R Block) With the tax deadline right around the corner, many people are diligently gathering their financial papers and documents so they can begin the arduous process of filing their tax returns, which is why many ...

Continue reading Review: H&R Block Tax Pro Review

4 Comments March 7, 2018

4 Ways Duct Tape Can Fix Your Personal Finances

By Len Penzo

4 Ways Duct Tape Can Fix Your Personal Finances

A while back I ran into this cool site that is devoted to the wondrous and wacky world of duct tape. Duct tape was first created and manufactured in 1942 to keep moisture out of World War II soldier's ammunition cases. The tape was originally ...

Continue reading 4 Ways Duct Tape Can Fix Your Personal Finances

27 Comments March 5, 2018

Black Coffee: Do Not Pass Go. Do Not Collect $200.

By Len Penzo

Black Coffee: Do Not Pass Go. Do Not Collect $200.

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. And away we go ... "Faith is to ...

Continue reading Black Coffee: Do Not Pass Go. Do Not Collect $200.

17 Comments March 3, 2018

100 Words On: Why Savers Should Be Rooting for Mild Deflation

By Len Penzo

100 Words On: Why Savers Should Be Rooting for Mild Deflation

Ever since the Great Depression, central bankers have, curiously, striven to avoid deflation at all costs. But benign price deflation caused by increases in productivity -- as opposed to "bad" deflation caused by a reduction in money supply -- leads ...

Continue reading 100 Words On: Why Savers Should Be Rooting for Mild Deflation

13 Comments March 1, 2018

Why I Refuse to Buy Earthquake Insurance

By Len Penzo

Why I Refuse to Buy Earthquake Insurance

When it comes to living in Southern California, earthquakes are a part of life. Thankfully, in my thirty years of homeownership here, and despite several very large temblors, including a couple of 7.0 shakers, I've never had to worry about any ...

Continue reading Why I Refuse to Buy Earthquake Insurance

28 Comments February 26, 2018

Black Coffee: Why Hyperinflation Ain’t All Bad

By Len Penzo

Black Coffee: Why Hyperinflation Ain’t All Bad

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 glorious week comes to an end. ...

Continue reading Black Coffee: Why Hyperinflation Ain’t All Bad

16 Comments February 24, 2018

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Disclaimer

This site is for informational and entertainment purposes only, and the content herein should not be mistaken for professional financial advice. This website accepts advertising in the form of monetary and other compensation; as such, topics of discussion are occasionally influenced by these advertisers. Ultimately, you and you alone are responsible for the decisions you make in life, so please contact an independent financial professional for advice regarding your unique personal situation.

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