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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Don’t Expect an Apology for All This Negativity

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... It's Super Bowl weekend! Just for the record, I'm one of those people who enjoy watching the commercials more than the game. And away we go ... Credits and Debits Debit: Check out ...

Continue reading Black Coffee: Don’t Expect an Apology for All This Negativity

February 5, 2016

Black Coffee: Haughty Hot Dogs, Naughty Potatoes & Dead Men Walking

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: Haughty Hot Dogs, Naughty Potatoes & Dead Men Walking

January 30, 2016

Black Coffee: The Deflation Bogeyman and America’s Decline

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. Money is the barometer of a society's ...

Continue reading Black Coffee: The Deflation Bogeyman and America’s Decline

January 23, 2016

Are You Smarter Than a 5th Grader? Guess How Much These Calendars Cost

By Len Penzo

With the new year upon us, I found myself in desperate need of a new desk calendar. At the time, I wasn't looking forward to venturing onto the busy streets and adding to the post-Christmas hustle and bustle, but it turns out that the Honeybee needed ...

Continue reading Are You Smarter Than a 5th Grader? Guess How Much These Calendars Cost

January 20, 2016

Black Coffee: The Blurred Line Between Fiction and Nonfiction

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 we go ... Credits and ...

Continue reading Black Coffee: The Blurred Line Between Fiction and Nonfiction

January 16, 2016

Black Coffee: It’s Time to Batten Down the Hatches

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 long business ...

Continue reading Black Coffee: It’s Time to Batten Down the Hatches

January 9, 2016

Poll: The 5 Biggest Money Regrets of 2015 — and How to Conquer Them

By Fred Schebesta

I'm confident that this time last year, scrawled on your list of New Year resolutions, was a sentence relevant to at least one of these four phrases: 'save money' 'stop spending' 'get out of debt' 'stick to a budget' According to a ...

Continue reading Poll: The 5 Biggest Money Regrets of 2015 — and How to Conquer Them

January 6, 2016

Negative Interest Rates and the Demonization of Cash

By Len Penzo

A lot of financially savvy people out there say that the world's central banks have foisted zero- and negative-interest rates (otherwise known as ZIRP and NIRP) to force people out of their savings. The truth is, there is a more pressing reason for ...

Continue reading Negative Interest Rates and the Demonization of Cash

January 2, 2016

Black Coffee: The Happy New Year Edition

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Happy New Year, everyone! Away we go ... Credits and Debits Debit: Despite being $72 billion in debt and guilty of defaulting on a portion of its bond payments last summer -- with ...

Continue reading Black Coffee: The Happy New Year Edition

January 2, 2016

Infographic: Where Your Tax Money Will Be Spent In 2016

By Len Penzo

The holiday season is now over, which means the advent of tax season is officially here. I know, but what can you do? The average American taxpayer can expect to be taxed at about 31.5% of their wages, which comes out to a massive ...

Continue reading Infographic: Where Your Tax Money Will Be Spent In 2016

December 29, 2015

Culinary Odds & Ends: How Eating Leftovers Saves Me $1700 Annually

By Len Penzo

Last year my family spent a small fortune on groceries -- $12,764 to be exact. If you were to press me on the matter, my teenage son, Matthew, probably ate $9000 worth of them. Anyone who thinks I'm kidding hasn't seen our kitchen after a visit ...

Continue reading Culinary Odds & Ends: How Eating Leftovers Saves Me $1700 Annually

December 28, 2015

Black Coffee: The Don’t Blink or You’ll Miss It 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 had a great Christmas ...

Continue reading Black Coffee: The Don’t Blink or You’ll Miss It Edition

December 26, 2015

A Peek at My Kids’ Christmas Lists

By Len Penzo

Readers: Just for fun, I thought I would repost this article from Christmas Eve 2009 Well, according to my friend the Silicon Valley Blogger, Zhu Zhu Pets are the hot Christmas gift item for 2009. Don't tell my kids that though because those ...

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December 24, 2015

Black Coffee: Excuse Me While I Blow Some Hot Air

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've got a lot of Christmas shopping ...

Continue reading Black Coffee: Excuse Me While I Blow Some Hot Air

December 19, 2015

100 Words On: The True Meaning of Christmas

By Brian K. Walters

In today's day and time, It's easy to lose sight, Of the true meaning of Christmas And one special night. When we go shopping, We say 'How much will it cost?' Then the true meaning of Christmas, Somehow becomes lost. Amidst the tinsel, ...

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December 17, 2015

Black Coffee: The 7th Anniversary 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. It's hard to believe, but this week my ...

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December 12, 2015

Drive-By Movie Review: Four Christmases

By Len Penzo

This is a review of the 2008 movie Four Christmases starring Reese Witherspoon, Vince Vaughn, Robert Duvall, Jon Voight, and Sissy Spacek Plot Summary: A couple struggles to visit all four of their divorced parents on Christmas Day. Me: Can you ...

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December 11, 2015

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 ... Yes, I'm back. I took last Thanksgiving weekend off. I hope you all had an enjoyable and restful holiday. I know I did! Okay, away we go ... Credits and Debits Credit: There's an old ...

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

December 5, 2015

Infographic: Black Friday Shopping Tips and Other Fun Facts

By Len Penzo

Anybody who has ever ventured out on Black Friday to bag an amazing deal on a clever holiday gift knows that it can try anybody's patience. It's true; enormous crowds, bumper-to-bumper traffic, and endless lines make Black Friday a living ...

Continue reading Infographic: Black Friday Shopping Tips and Other Fun Facts

November 23, 2015

Black Coffee: Wall Street and the New York State of Mind

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 we go ... Credits and ...

Continue reading Black Coffee: Wall Street and the New York State of Mind

November 21, 2015

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