Len Penzo – Len Penzo dot Com

5 Strategies for Protecting Your 401(k) Savings from Economic Collapse

After more than a decade of the Fed's reckless monetary policies -- in particular, persistent near-zero interest rates and their relentless de facto currency-printing campaign better known as "quantitative easing" -- the financial system has been so ...

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Black Coffee: A Lack of Financial Horse Sense

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 terrific week. ...

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18 Bizarre Facts You Probably Didn’t Know About the $2 Bill

Not too long ago I had to mosey on down to my local hardware store because I needed propane for my barbecue grill. The total price for the refill came to $17.96. At first I tried to pay with a credit card but, for some reason, their machine was on ...

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Black Coffee: More Cowbell

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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18 Hacks for Saving Money When Buying Auto, Home, and Life Insurance

Those who fail to plan, plan to fail. And like it or not, planning for the unexpected by being properly insured is a big part of being financially responsible. That's because people who try to save a few bucks by not buying insurance can quickly end ...

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Black Coffee: Pawns on the Chessboard

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 a busy weekend to attend to, ...

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Your Personal Finance Horoscope

In order to help my readers divine their nearer-term futures with respect to money and personal finance, I recently decided to try my hand at astrology. So I studied up, bought some star charts, took some lessons and evaluated the ephemeris as ...

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How Much Should You Pay the Babysitter?

Now that my kids are grown, I no longer have to worry about babysitters. To be honest, the Honeybee and I rarely used babysitters at all even when the kids were younger because we were fortunate enough to have two sets of grandparents living ...

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Black Coffee: A Junk Food Economy

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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100 Words On: Runners and Pedestrians Who Refuse to Use Sidewalks

Go play on the freeway! While nobody would ever take that suggestion seriously, there are plenty of irresponsible joggers and pedestrians who have no problem tempting fate by literally spending their leisure time on city thoroughfares despite the ...

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How Much Will a Ticket Increase Your Auto Insurance Rates?

Not too long ago I was speaking with someone who told me she got pulled over by a cop on her way to work. Of course, I offered up the obligatory sympathy. "Bummer," I said. "What did he write you up for?" "Oh, I didn't get a ticket," she said ...

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Black Coffee: The Long and Short of It

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 terrific week. ...

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Mailbag: What Will Happen to Pensions If Hyperinflation Hits the Dollar?

Hi Len, I've been reading your blog for close to a year now and love it! Do you think traditional pension payments will increase in some way during hyperinflation? While anything can certainly happen in the financial chaos, it seems there would be ...

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Black Coffee: Bubble Trouble On the Double

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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Is It Finally Time to Get Rid of the Penny?

Several years ago I moved into a new office at my place of employment. When I looked in the desk, I found 162 pennies in one of the drawers. I can only assume that the previous owner used the desk as his chosen repository for all the pennies he ...

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Black Coffee: A Mouse In the Pocket

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 a busy weekend to attend tom ...

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9 Travel Nightmares to Watch for When Planning Your Vacation

There are lots of things that can quickly turn a great vacation into a real nightmare. Many years ago, during one of my more memorable family summer vacations, I ended up leaving my credit card at a Washington D.C. restaurant. Unfortunately for ...

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My 13th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

I don't know about you, but my monthly grocery bill has been increasing since the start of the new year. Meanwhile, the average cost of a school lunch this year is $3.81. For a family with two kids, that amounts to slightly less than $1400 during ...

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Black Coffee: Truth or Consequences

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 ...

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Approximate Energy Costs of Your Home Appliances

Our homes today are loaded with more electronic media and electric appliances than ever before. According to data published by the Energy Information Administration (EIA), US household electricity consumption is expected to grow about 29% from now ...

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