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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Black Coffee: The Double Bubble 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. So with that, let's get right to it ...

Continue reading Black Coffee: The Double Bubble Edition

April 29, 2017

What’s Next for the Price of Crude Oil?

By Tex Freitag

The ongoing rivalries between the major oil-exporting countries are currently intensifying. Most large producers are hugely dependent on income from crude oil sales to support growth. While restricting supply drives up prices, pumping out more of the ...

Continue reading What’s Next for the Price of Crude Oil?

April 28, 2017

My Dumbest Money Mistakes (Part 2)

By Len Penzo

As I mentioned in Part 1, this story is not about everyday money leaks or niggling oversights we all make from time to time. It's about the type of money blunders that wake me up in the middle of the night and leave me covered in a cold ...

Continue reading My Dumbest Money Mistakes (Part 2)

April 25, 2017

Black Coffee: Goodnight, Goodnight

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. Another glorious week comes to an end. ...

Continue reading Black Coffee: Goodnight, Goodnight

April 22, 2017

Black Coffee: Lucy in the Sky with Diamonds

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 ... The ...

Continue reading Black Coffee: Lucy in the Sky with Diamonds

April 15, 2017

If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

By Len Penzo

Awhile back I described ten common characteristics of debt-free people. In that article, I specifically asked my readers to consider this question: "Why is it that there are families out there with household incomes under $40,000 comfortably ...

Continue reading If You Can’t Live on $40,000 Per Year, It’s Your Own Fault

April 10, 2017

Black Coffee: The Crime and Punishment 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 ...

Continue reading Black Coffee: The Crime and Punishment Edition

April 8, 2017

Black Coffee: Pass the Cream and Sugar

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. A new month is upon us, so let's get ...

Continue reading Black Coffee: Pass the Cream and Sugar

April 1, 2017

Black Coffee: Pardon My French

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: Pardon My French

March 25, 2017

100 Words On: When Financial Perfection Is the Enemy of Good

By Len Penzo

When it comes to matters of personal finance, trying to find the optimal solution can be counterproductive simply because many decisions don't require extensive research. One of the best examples of this is when comparison shopping for a certain ...

Continue reading 100 Words On: When Financial Perfection Is the Enemy of Good

March 23, 2017

The Honeybee Helps Me Review Blue Apron’s Home Delivery Meal Service

By Len Penzo

This is a product review for Blue Apron. Product Overview: Blue Apron is a fresh ingredient and recipe delivery service designed to help home chefs of all skill levels cook creative and tasty meals at home. Each week, Blue Apron does the menu ...

Continue reading The Honeybee Helps Me Review Blue Apron’s Home Delivery Meal Service

March 21, 2017

Real Estate Agents: Why They’re Not Worth It

By Len Penzo

I've sold one house in my lifetime -- way back in 1997 -- and I did that without a real estate agent. Yep ... For sale by owner (or FSBO). It wasn't supposed to be that way.I actually started out with a realtor because I thought it would be crazy ...

Continue reading Real Estate Agents: Why They’re Not Worth It

March 20, 2017

Black Coffee: The ‘Day Late and a Shamrock-Shake Short’ 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 ...

Continue reading Black Coffee: The ‘Day Late and a Shamrock-Shake Short’ Edition

March 18, 2017

Black Coffee: Decisions, Decisions

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 ... Life is a ...

Continue reading Black Coffee: Decisions, Decisions

March 11, 2017

100 Words On: Why Frugality Has Its Limits

By Len Penzo

The main benefit of frugality and saving is they're good habits that lay a strong personal finance foundation. That being said, the frugal lifestyle definitely has its limits. Although scrimping and cutting corners can result in significant savings, ...

Continue reading 100 Words On: Why Frugality Has Its Limits

March 9, 2017

Black Coffee: The Buttercups in Silicon Valley are Blooming Early

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 ...

Continue reading Black Coffee: The Buttercups in Silicon Valley are Blooming Early

March 4, 2017

Black Coffee: Giving New Meaning to the Term “Bull” Market

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: Giving New Meaning to the Term “Bull” Market

February 25, 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 ...

Continue reading Black Coffee: The Presidents’ Day Weekend Edition

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 ...

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

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 ...

Continue reading Black Coffee: And for My Next Trick …

February 11, 2017

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