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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Why Getting Cash During the Next Crisis May Be Impossible

By Len Penzo

As time goes on, it will become increasingly more difficult to get your cash out of the financial system. There are several reasons for this: Photo Credit: stock photo ...

Continue reading Why Getting Cash During the Next Crisis May Be Impossible

November 5, 2016

Black Coffee: The Repo Man 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. And away we go ... Credits and ...

Continue reading Black Coffee: The Repo Man Edition

November 5, 2016

Here’s Proof of Skyrocketing Inflation in Our Most Basic Necessities

By Jeff Desjardins

The way that economic data is presented, we often think of inflation as a singular number representing a general increase in prices. For example, it might be reported that nominal GDP growth was 3%, and that inflation was 2%. Since the inflation ...

Continue reading Here’s Proof of Skyrocketing Inflation in Our Most Basic Necessities

November 2, 2016

Black Coffee: Smart Money, Dumb Economists, and the Gold Standard

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: Smart Money, Dumb Economists, and the Gold Standard

October 29, 2016

Is It Better to Be Prequalified or Preapproved for a Mortgage?

By Len Penzo

Readers: This is article 23 of 25 from my no-nonsense "Mortgage Basics" quick-reference series. The difference between being prequalified or preapproved for a home loan can be a critical factor in determining whether or not you'll get the home of ...

Continue reading Is It Better to Be Prequalified or Preapproved for a Mortgage?

October 27, 2016

12 Painless Ways to Save $2000 Before the Holidays (Part 2)

By Mikey Rox

While I always recommend having a second source of income to cover increased holiday spending, you can also cut back your budget. In Part 1 of this article, I showed you six painless ways to do this. Here are six more: Shop For Lower Insurance ...

Continue reading 12 Painless Ways to Save $2000 Before the Holidays (Part 2)

October 25, 2016

Black Coffee: The Lunatics Are Running the Asylum

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, off we go ... Credits and ...

Continue reading Black Coffee: The Lunatics Are Running the Asylum

October 22, 2016

6 (Really) Frugal Halloween Costume Ideas for the Kids

By Len Penzo

So the Honeybee took our two kids out shopping for Halloween costumes this week and spent a grand total of $69.43. This is not only a ghastly amount of money to spend on Halloween costumes, but it's totally unacceptable in my opinion. What, ...

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October 17, 2016

Black Coffee: Are We In Utopia Yet?

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 ...

Continue reading Black Coffee: Are We In Utopia Yet?

October 15, 2016

Black Coffee: Reports of a Hurricane are Unfounded

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 ...

Continue reading Black Coffee: Reports of a Hurricane are Unfounded

October 8, 2016

What Are the Brexit Implications on Gold?

By Benjamin Watt

The UK's decision to exit the European Union -- known everywhere as the Brexit -- was news that shocked the world. Financial markets are still reeling from the financial uncertainty unleashed by that landmark decision. Global markets reacted ...

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October 6, 2016

Black Coffee: Move Along, Folks … There’s Nothing to See Here

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 ...

Continue reading Black Coffee: Move Along, Folks … There’s Nothing to See Here

October 1, 2016

Black Coffee: Party On and Let the Good Times Roll

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, off we go ... There is no cause ...

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September 24, 2016

Quantifying the Enormity of the US National Debt in Pictures

By Jeff Desjardins

When numbers get into the billions or trillions, they start to lose context. The U.S. national debt is one of those numbers. It currently sits at $19.5 trillion, which is actually such a large number that it is truly difficult for the average ...

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September 20, 2016

Black Coffee: A Scatological Look at the Real Economy

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 ...

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September 17, 2016

Why the New Face of Money Management Is Making Walk-in Banks Obsolete

By Len Penzo

Due to advancements in technology, the ever-growing mobile trend, and society's desire for convenience, the face of money management is evolving. In the past, everything was done manually and was centered on brick-and-mortar banking institutions. ...

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September 13, 2016

Black Coffee: The Curious George 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 ...

Continue reading Black Coffee: The Curious George Edition

September 10, 2016

Black Coffee: The Labor Day 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. I hope everyone is enjoying the long ...

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September 3, 2016

Which US States Offer the Biggest Bang for Your Buck?

By Len Penzo

I've always been fascinated by maps. Throw me a map of anyplace and I can be mesmerized for quite a long time. Don't ask me why; it's just how I am. So I guess I shouldn't be too surprised that the other day I spent almost a half hour poring over ...

Continue reading Which US States Offer the Biggest Bang for Your Buck?

August 30, 2016

Black Coffee: In the Land of Negative Numbers, Zero Is Your Hero

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: In the Land of Negative Numbers, Zero Is Your Hero

August 27, 2016

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