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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Black Coffee: The Yankee Doodle Dandy Edition

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... My dad still gets a kick out of asking people around this time of year if they have a 4th of July in England. Nine times out of ten they look at him like he's nuts and say something like, "Of ...

Continue reading Black Coffee: The Yankee Doodle Dandy Edition

July 4, 2014

Black Coffee: Why One Billionaire Sees Pitchfork Mobs In Our Future

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

Continue reading Black Coffee: Why One Billionaire Sees Pitchfork Mobs In Our Future

June 28, 2014

Black Coffee: The Summer Solstice Edition

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. Summer is finally here. Hooray! I hope ...

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June 21, 2014

Black Coffee: Friday the 13th, Full Moons & Rising Oil Prices

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

Continue reading Black Coffee: Friday the 13th, Full Moons & Rising Oil Prices

June 14, 2014

Black Coffee: Hokey, Hockey and Horses

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... I've been out of town for most of this week, so you know what that means: Yep -- I've got another espresso edition of Black Coffee for you. Okay, off we go ... Credits and Debits Credit: The ...

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June 7, 2014

Black Coffee: Kabuki Theater and Ever-Optimistic Markets

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

Continue reading Black Coffee: Kabuki Theater and Ever-Optimistic Markets

May 31, 2014

Black Coffee: Doggie Bags, Burger King, and Bogus Bucks

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

Continue reading Black Coffee: Doggie Bags, Burger King, and Bogus Bucks

May 24, 2014

Black Coffee: Um, Would You Like Fries with That?

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 just got back from a business trip ...

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May 17, 2014

Black Coffee: All the Newspeak That’s Fit to Print

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'm getting some terrific feedback from ...

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May 10, 2014

Black Coffee: Get Ready for My Grand Reopening!

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. Sometime over the weekend I will unveil my ...

Continue reading Black Coffee: Get Ready for My Grand Reopening!

May 3, 2014

Looking Back at My Magic 8-Ball’s Predictions for 2012

By Len Penzo

For the past three years, I've been using my trusty Magic 8-Ball to predict the future. I know. Laugh all you want, folks, but it's been quite successful over the years. In 2010, my Magic 8-Ball had an astounding 70% success rate. The following ...

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January 16, 2013

The End of the World & Other Magic 8-Ball Predictions for 2012

By Len Penzo

Happy new year, readers! Like last year, I'm kicking off the start of 2012 with more fearless predictions from my old friend, the Magic 8-Ball. In case you missed it, the Magic 8-Ball ended 2010 with an astounding 70 percent success rate, and ...

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January 3, 2012

The Penner Awards: The 10 Craziest Money Blunders of 2011

By Len Penzo

As 2011 finally comes to a close, it's time for the second annual Penner Awards, a celebration of the year's ten most dumbfounding displays of numismatical naivete and financial ineptitude known to man. So why am I giving out such a dubiously ...

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December 29, 2011

100 Words On: My 10 Most Popular 100-Word Posts of 2011

By Len Penzo

Since starting in January, this breakout weekly series has gotten a lot of attention. Its most-popular posts: 1. Why Financial Freedom Requires Very Little Money 2. A Surefire Way to Beat the Lottery -- Guaranteed! 3. Why You Should Never ...

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December 28, 2011

A Look Back at My Magic 8-Ball’s Predictions for 2011

By Len Penzo

Have you noticed all the end-of-the-year customs that are currently on display almost everywhere you look? For example, I've been inviting my readers to provide questions regarding the future that they'd like to ask my Magic 8-Ball since way back ...

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December 26, 2011

Black Coffee: A Little Fun with My Dog and Some Peanut Butter

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.   Here’s what caught my attention over the pa ...

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August 21, 2010

Should Low-Income Drivers Receive Subsidies to Use Toll Express Lanes?

By Len Penzo

Every day on my way home from work I zip by tens of thousands of people behind the wheels of cars stuck in hopelessly gridlocked traffic because they didn't want to pay the toll (usually between $2 and $10, depending on the direction and time of day) ...

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April 7, 2010

The Redistribution of Health: Excuse Me, But I Think I’m Gonna Be Sick

By Len Penzo

You can fool some of the people all of the time, and all of the people some of the time, but you can not fool all of the people all of the time. - Abraham Lincoln I don't feel so good. The United States Congress stuck their middle finger ...

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March 23, 2010

The (Dead)Beat Generation

By Greg McFarlane

Should you walk away from your mortgage just because your home depreciated? So you refinanced. Or bought too much house. You divided the mortgage payments by your income, and decided you could swing something a few percentage points higher than ...

Continue reading The (Dead)Beat Generation

March 10, 2010

What Perpetual Motion Machines and the Entitlement Mentality Have in Common

By Guest

This is a guest post from authors Steven and Debra Wallace. Len extended us the great honor of guest hosting at Len Penzo dot com and it is an opportunity that we feel most privileged to accept. The inspiration for our topic is credited to the ...

Continue reading What Perpetual Motion Machines and the Entitlement Mentality Have in Common

January 19, 2010

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