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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

How I Know When to Drop Collision & Comprehensive Auto Insurance

By Len Penzo

Although we refuse to admit it, everybody is occasionally guilty of holding on to things a little longer than they really should. I often question the Honeybee's motives regarding her proclivity to keep around old birthday cards and our kids' ...

Continue reading How I Know When to Drop Collision & Comprehensive Auto Insurance

26 Comments November 26, 2012

Black Coffee: Leg Men, Optimistic Barflies and Nitwit Economists

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 ...

Continue reading Black Coffee: Leg Men, Optimistic Barflies and Nitwit Economists

18 Comments November 24, 2012

100 Words On: Donating to the Company Charity Drive

By Erin Baker

This is a guest post from Erin Baker who has several blogs including The Dog Ate My Wallet and, appropriately, 100 Words On. Check them both out when you get a chance! The Holiday Giving Season is almost upon us. If your company sponsors a ...

Continue reading 100 Words On: Donating to the Company Charity Drive

7 Comments November 22, 2012

4 Steps to Take When You Realize That OMG! I Need to Sell My House

By Dominique Brown

Dominique Brown is a financial planner, landord, personal finance blogger and video blogger. He is the owner of YourFinancesSimplified.com where he talks about everything from being a new father to his worst financial mistakes. He is also the owner ...

Continue reading 4 Steps to Take When You Realize That OMG! I Need to Sell My House

8 Comments November 21, 2012

Black Coffee: Why There’s Gonna Be a Few Less (Ho) Ho-Hos This 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. Here’s what caught my attention over the ...

Continue reading Black Coffee: Why There’s Gonna Be a Few Less (Ho) Ho-Hos This Christmas

47 Comments November 17, 2012

Black Coffee: Who’s In the Mood for Some Sour Grapes?

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 ...

Continue reading Black Coffee: Who’s In the Mood for Some Sour Grapes?

41 Comments November 10, 2012

100 Words On: A Grim Warning to Those Who Think Money Grows On Trees

By Len Penzo

A democracy can only exist until the voters discover that they can vote themselves largesse from the public treasury. From that moment on, the majority always votes for the candidates promising the most benefits from the treasury, with the result ...

Continue reading 100 Words On: A Grim Warning to Those Who Think Money Grows On Trees

11 Comments November 8, 2012

The Unexpected Bill That Added $2406.88 to My Recent Vacation

By Len Penzo

"Whatever it takes." That was the answer the Honeybee gave me three years ago after I asked her how much she would pay to save a pet's life. Unfortunately, last week we got a chance to reconsider that question after we returned from a week-long ...

Continue reading The Unexpected Bill That Added $2406.88 to My Recent Vacation

41 Comments November 5, 2012

Black Coffee: Beer Drinkers, Hell Raisers & Dirty Rotten Scoundrels

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 whats been going on in the world of money and personal finance. Heres what caught my attention over the past ...

Continue reading Black Coffee: Beer Drinkers, Hell Raisers & Dirty Rotten Scoundrels

2 Comments November 3, 2012

Black Coffee: Why Image Isn’t All It’s Cracked Up to Be

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 whats been going on in the world of money and personal finance. Heres what caught my attention over the past ...

Continue reading Black Coffee: Why Image Isn’t All It’s Cracked Up to Be

6 Comments October 27, 2012

Cheap Thrills: 6 Awesome Halloween Movies That Aren’t Scary

By L Bee

I'm Lauren and on my site, L Bee and the Money Tree, I often talk about frugal hacks for your life. While Len is out on vacation I have the "cheap" thrill of guest posting on his blog today! Everyone knows that staying at home and watching a ...

Continue reading Cheap Thrills: 6 Awesome Halloween Movies That Aren’t Scary

14 Comments October 24, 2012

Black Coffee: The Great White North, Taylor Swift and Hot Russian Brides

By Nelson Smith

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. Your normal author, uh, (scrolls to the ...

Continue reading Black Coffee: The Great White North, Taylor Swift and Hot Russian Brides

16 Comments October 20, 2012

100 Words On: Saving Your Lame Excuses for Somebody Who Cares

By Len Penzo

A wise man once said that excuses are tools of incompetence, only useful for building monuments of nothingness and bridges to nowhere. When it comes to personal finance, there are a countless number of excuses that people often use to explain why the ...

Continue reading 100 Words On: Saving Your Lame Excuses for Somebody Who Cares

6 Comments October 18, 2012

Black Coffee: I’ve Got Good News and Bad News

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 ...

Continue reading Black Coffee: I’ve Got Good News and Bad News

19 Comments October 13, 2012

Black Coffee: Stats and the Correlation Between Baldness, Wealth & IQ

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 whats been going on in the world of money and personal finance. Heres what caught my attention over the past ...

Continue reading Black Coffee: Stats and the Correlation Between Baldness, Wealth & IQ

14 Comments October 6, 2012

100 Words On: How to Avoid Burning Out

By Len Penzo

It takes real drive to turn our biggest dreams into reality, but sometimes the relentless passion that fuels our inevitable push for success becomes counterproductive. When personal expectations finally exceed what we can reasonably achieve on our ...

Continue reading 100 Words On: How to Avoid Burning Out

12 Comments October 4, 2012

Black Coffee: Nasty Rumors, Gift Card Arbitrage & Early-Retirement Tips

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 ...

Continue reading Black Coffee: Nasty Rumors, Gift Card Arbitrage & Early-Retirement Tips

6 Comments September 29, 2012

Black Coffee: The Death and Taxes 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 whats been going on in the world of money and personal finance. Heres what caught my attention over the past ...

Continue reading Black Coffee: The Death and Taxes Edition

18 Comments September 22, 2012

100 Words On: Why Compound Interest Isn’t Everybody’s Best Friend

By Len Penzo

Invest $100 that earns a 6% annual return and you'll have $106 a year later. The uninitiated might expect to see $112 in their account after two, but they'd actually have $112.36 because interest not only accrued on the original principal of $100, ...

Continue reading 100 Words On: Why Compound Interest Isn’t Everybody’s Best Friend

20 Comments September 20, 2012

Black Coffee: What’s That Smell, You Ask? It’s Probably Just My Blog.

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 whats been going on in the world of money and personal finance. Heres what caught my attention over the past ...

Continue reading Black Coffee: What’s That Smell, You Ask? It’s Probably Just My Blog.

31 Comments September 15, 2012

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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. In fact, making investment decisions based on information published here, or any other website for that matter, is more than unwise; it is folly. This website accepts advertising in the form of monetary and other compensation; as such, topics of discussion are occasionally influenced by these advertisers. Sometimes, an article may also include affiliate links, meaning, at no additional cost to you, this blog earns a commission if you click through and make a purchase (for example, as an Amazon Associate I earn from qualifying purchases). Remember, 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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