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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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My State of the Household Report, Net Worth, and 2016 Expenses

By Len Penzo

I've said it before and I'll say it again: When it comes to money management, one of the most important pieces of information anyone can have is a detailed summary of where your household income was spent during the previous year. I've been ...

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January 13, 2017

Black Coffee: A Few Tales of Taxes, Fraud and Corruption

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. And away we go ... "We contend that ...

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January 7, 2017

How People Spent Their Money During the Past 75 Years

By Raul

Consumer spending makes up a large percentage of the United States economy. We all have bills to pay and mouths to feed. But where do Americans spend their money? Take a look at this chart below to see a breakdown of how Americans spent their ...

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January 3, 2017

Black Coffee: The Rum and Coke 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. Happy New Year! I want to thank all ...

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December 31, 2016

4 Things Every Homeowner Should Look for in a Pest Control Company

By Sabado Domingo

Like it or not, pests in the home are a fact of life. And the truth is, most people will end up having to call a professional pest control service -- no matter whether it's to get rid of a serious bug problem in the kitchen, rats in the attic, or ...

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December 30, 2016

3 Personal Finance Instances When Deficit Spending Is a Good Idea

By Neal Frankle

Most personal finance bloggers extol the virtues of frugality and I'm normally among them. It's true. People generally get wealthy (and more importantly stay wealthy) because they learn to live well below their means. But sometimes, it makes a lot ...

Continue reading 3 Personal Finance Instances When Deficit Spending Is a Good Idea

December 28, 2016

Black Coffee: The Christmas 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. Yeah, I work over the holidays too. ...

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December 24, 2016

5 Ways to Jumpstart Your Investing

By Sabado Domingo

Investing is essential for laying the foundation to your future. Wise investing will help provide the retirement dream that you've always wanted. Luckily, there are dozens of different ways that you can kick start your investing to get where you want ...

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December 23, 2016

100 Words On: Why You Should Never Ever Fear Credit Cards

By Len Penzo

Credit cards provide a safe and convenient avenue for short-term borrowing. When used wisely and responsibly, credit cards provide valuable benefits that cash simply can't including consumer protections, cash dividends and other rewards. They can ...

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December 22, 2016

If You Love Finance Then Maybe a Career in Insurance Is for You!

By Sabado Domingo

Woody Allen famously said, "There are worse things in life than death. Have you ever spent an evening with an insurance agent?" If you love the challenge of creating a budget, are fascinated with market fluctuations and arent put off by a few ...

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December 21, 2016

The Shark Tank Formula For Startup Success

By Ivan Serrano

Over the course of ABC's reality TV show Shark Tank, business dreams have turned into a reality for many entrepreneurs. Shark Tank highlights the ups and downs the process entrepreneurs must go through in order to obtain funding from sharks ...

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December 20, 2016

Black Coffee: If It Pleases the Court …

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 today ...

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December 17, 2016

7 Signs That the Home You Want to Buy or Rent Has a Pest Problem

By Sabado Domingo

So you think you found the home of your dreams? Well, that potential dream home could easily turn out to be a nightmare if you don't pay attention during the house hunting process. After all, it's easy to overlook pest problems; many new home buyers ...

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December 16, 2016

More Holiday Gift Ideas Under $25

By Mikey Rox

I recently presented a list of holiday gifts for under $25. If you're still at odds with your decisiveness on what to get some people on your holiday gift list, then consider this collection of even more ideal ideas for a wide range of ages, ...

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December 14, 2016

Black Coffee: Who Wants a Big Slice of Pie-in-the-Sky?

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. Okay, let's get right to it this week ...

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December 10, 2016

6 Tips for Stretching Your Casino Gaming Budget

By Tex Freitag

"The house always wins" is a famous saying in gambling; anyone who's ever been around the casino world knows this to be true. And although the casino does indeed always win in the end -- after all, they'd just go out of business otherwise -- ...

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December 9, 2016

A List of the Best Selling Christmas Toys Since 1983

By Len Penzo

If you're old enough, you probably remember the Cabbage Patch Doll. The strange-looking dolls were an instant hit, and by 1985 they had scored more than $600 million in sales. Of course, most of those sales occurred during Christmas. In fact, ...

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December 7, 2016

The $100,000 Salary Benchmark Is Woefully Overrated

By Len Penzo

In 2004 my gross annual income crossed the magical $100,000 benchmark for the first time. Reaching that milestone became a personal goal after graduating with an electrical engineering degree in 1988 and taking my first job at a salary of $31,000. ...

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December 5, 2016

A Roadmap for How the Next Economic Implosion Will Unfold

By Len Penzo

I have a theory regarding the order that the financial system dominoes will fall. Yes, it's only a theory -- but I think it is a plausible one. In fact, I believe the coming economic implosion will unfold in the following manner: Photo Credit: ...

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December 4, 2016

Black Coffee: In Venezuela, Rock Beats Paper

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. And away we go ... Credits and ...

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December 3, 2016

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