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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

Black Coffee: Oh, the Humanity

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. Are you ready? I know I am, so here we ...

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August 5, 2017

Black Coffee: Bubble Trouble on the Double

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, shall we? "In ...

Continue reading Black Coffee: Bubble Trouble on the Double

July 29, 2017

How to Switch Your Savings or Checking Account to a New Bank

By Enero Febrero

Are you tired of long waits to speak to a teller or manager at your bank? When you call your bank for help, are you annoyed by the numerous automated-questions you have to endure before you can talk to a human being? Or, maybe your current bank has ...

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July 28, 2017

How Smart Entrepreneurs Manage Business Risk

By Sabado Domingo

Not too long ago, Len wrote about ways to manage personal finance risks. Evaluating risk is an important facet of being entrepreneur; the key is in understanding how to properly manage those entrepreneurial risks and how much of a risk you should be ...

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July 26, 2017

A Simple Budgeting Plan for Those Who Struggle with Discipline

By Antonio Fortunato

Len reminds us regularly of the power, importance and necessity of family budgeting; and budgeting is a staple in his top five tools for the successful household CEO. This article is not meant to replace the critically important family budget. ...

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July 25, 2017

Black Coffee: Why Silicon Valley Billionaires Are Allergic to Gold

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: Why Silicon Valley Billionaires Are Allergic to Gold

July 22, 2017

Black Coffee: The Beatings Will Continue Until Morale Improves

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, shall ...

Continue reading Black Coffee: The Beatings Will Continue Until Morale Improves

July 15, 2017

Black Coffee: Dealing from a Stacked Deck

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 ... "If you're ...

Continue reading Black Coffee: Dealing from a Stacked Deck

July 8, 2017

Black Coffee: Hope Is Not a Plan

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 ... "The track record of ...

Continue reading Black Coffee: Hope Is Not a Plan

July 1, 2017

Black Coffee: Goodbye Pension, Hello Tension

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: Goodbye Pension, Hello Tension

June 24, 2017

Black Coffee: The ‘Bald Is Beautiful’ 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 ‘Bald Is Beautiful’ Edition

June 17, 2017

How I Live on Less Than $40,000 Annually: Nick from Iowa

By Guest

My name is Nick. I'm 25 years old and single with no kids. I work in radio, with a salary of $40,000. I also have side gigs that add an additional $5000 of income per year. In 2014 I received my bachelor's degree in mass communication. After I ...

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June 12, 2017

Black Coffee: Close Enough for Government Work

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 ... "It's ...

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June 10, 2017

Black Coffee: Pay No Attention to the Men Behind the Curtain

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 ... Only those who risk ...

Continue reading Black Coffee: Pay No Attention to the Men Behind the Curtain

June 3, 2017

Black Coffee: The Memorial 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. Another glorious week comes to an end. ...

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May 27, 2017

Black Coffee: Amazon and the Art of Making Money

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 ... A ...

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May 20, 2017

Black Coffee: Show Me the Money

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 ... Money is ...

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May 13, 2017

Black Coffee: A View from the Cuckoo’s Nest

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 ... It's a question ...

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May 6, 2017

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

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