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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

5 Ways to Survive a Money Emergency

By Tex Freitag

Nearly everyone will experience a serious money emergency at some point during their lifetime. Something financially catastrophic happens, like your car breaks down or you have to pay a huge medical bill. Afterward, you may be left with little or ...

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February 24, 2017

An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!

By Paula Pant

I have a confession. Normally I spend a lot of time emphasizing the importance of cultivating habits that reduce your desire to spend. But I have one habit that makes me want to spend more money. It's a practice -- something I do almost daily -- ...

Continue reading An Avid Rag Reader Confesses: Magazines Make Me Want to Spend More!

February 22, 2017

Saving Money Is Easy When You Know This Simple Trick

By George Diaz

If you search Google for "how to save money," you'll get 396 million results. See for yourself; I'll wait. With that many results, how is it possible that people still have trouble saving? I'm sure that one of your New Year's resolutions was to ...

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February 21, 2017

Black Coffee: The Presidents’ Day Weekend 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. Let's dive right in this week ... In ...

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February 18, 2017

100 Words On: The Trouble With Whole Life Insurance (vs. Term)

By Len Penzo

The key difference between term and whole life insurance is simple. Term life pays the face amount of the policy in the event of your death, while whole life combines a term policy with an added investment component. Yes, whole life may sound like a ...

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February 16, 2017

Black Coffee: And for My Next Trick …

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 ... There is no ...

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February 11, 2017

Black Coffee: The Super Bowl 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. Let's kick this baby off, shall ...

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February 4, 2017

Black Coffee: Red Tape, Green Confetti and Blue Taxpayers

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 ...

Continue reading Black Coffee: Red Tape, Green Confetti and Blue Taxpayers

January 28, 2017

Fake News: Can You Spot the Error In This Article?

By Antonio Fortunato

It was recently confirmed as fact, via the hacking of emails from a national Presidential candidate's campaign manager and the hacking of emails from the leadership of a national political party committees emails, that news has been fabricated quite ...

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January 25, 2017

Black Coffee: A Ponzi for Your Thoughts

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 dive right in this week ...

Continue reading Black Coffee: A Ponzi for Your Thoughts

January 21, 2017

100 Words On: Why Excessive Debt Leads to Indentured Servitude

By Len Penzo

Taking on excessive debt -- and continuously spending more than you earn -- greatly reduces the wealth you can accumulate down the road. As a result, your options in the future become greatly diminished because you are essentially spending tomorrow's ...

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January 19, 2017

Black Coffee: The Lap of Luxury 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. Off we go ... Credits and ...

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January 14, 2017

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

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

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

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

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 ...

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

December 10, 2016

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