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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Why Maintaining Older Cars Isn’t as Costly as Most People Think

By Len Penzo

Parents, if you want your kids to become independently wealthy, don't encourage them to go to college; tell them to open up a car repair shop instead. I say that because I just paid my mechanic almost three-thousand bucks for services rendered. I ...

Continue reading Why Maintaining Older Cars Isn’t as Costly as Most People Think

August 10, 2015

Black Coffee: It’s Official … The Business World Really Is All Wet

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'm on vacation -- which is why I've ...

Continue reading Black Coffee: It’s Official … The Business World Really Is All Wet

August 8, 2015

Inflation Deniers Are Foolishly Emboldened by Gold’s Struggles

By Clint Siegner

The vultures are circling. Precious metals bulls, laid flat by gold and silver prices dropping for the fifth week in a row, are watching deflationists such as Harry Dent and the financial media squawk about the imminent demise of precious ...

Continue reading Inflation Deniers Are Foolishly Emboldened by Gold’s Struggles

August 2, 2015

Black Coffee: All We Need Is a Little More Faith and Optimism

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Can you believe it's August already? Hard to believe summer is just about half over. Okay, off we go ... Credits and Debits Debit: Americans who have read the fine print in their ...

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August 1, 2015

Black Coffee: They’re the Government and They’re Here to Help

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 been out of town all week, and I ...

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July 25, 2015

Black Coffee: Ripoffs, Bailouts, Sellouts and Sales

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 ...

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July 18, 2015

Black Coffee: Heard Any Good Keynesian Economist Jokes Lately?

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 mathematician, an accountant and a ...

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July 11, 2015

Black Coffee: The Independence Day Edition

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... The USA is celebrating its 239th birthday this weekend. Hooray! For the record, it was on July 4th, 1776, that the United States officially divorced itself from English rule. With that in ...

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July 4, 2015

Black Coffee: Why Many of Us Will Soon Have to Do More With Less

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 was out of town for most of this ...

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June 27, 2015

Black Coffee: The “Hot Investing Tips” 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. Summer is finally here and it's ...

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June 20, 2015

Black Coffee: Can You Spare $175 Quadrillion for a Cup of Joe?

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 ...

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June 13, 2015

Social Security and My $152,000 Challenge to Uncle Sam

By Len Penzo

I've been a proud, full-time, member of the American workforce since 1988. Since then, I've earned approximately $2.4 million in base salary -- excluding bonuses, stock option cash-outs, and other income streams. It also excludes the money I ...

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June 9, 2015

Why the Economic End Game Is Finally Upon Us

By Len Penzo

Let's face it, folks: If the world economy was healthy it wouldn't be stuck in a period of excruciatingly slow -- if not downright negative -- real growth while trillions in central bank currency are being printed and poured into the international ...

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June 7, 2015

Black Coffee: This Edition Brought to You by the Letters M and B

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... I hope everybody had a great week! Okay, off we go ... Credits and Debits Debit: Let's face it, folks: Greece is broke. In fact, Greece is so broke they couldn't scrape up enough ...

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June 6, 2015

Coming Soon: The Greatest Wealth Transfer of All Time

By Len Penzo

Precious metals holders buy gold and silver because they understand that the majority of the modern financial world's assets are debt-based instruments and want to reduce their exposure to the resulting counterparty risk. Unfortunately, a large ...

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May 31, 2015

Black Coffee: Bubble, Bubble, Toil and Trouble

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 ...

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May 30, 2015

Black Coffee: Rules for Thee But Not For Me

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 ...

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May 23, 2015

The Latest Home Buying Survey Shows Increased Optimism

By Len Penzo

Owning a home has always been a big part of the American Dream. In fact, with the wide variety of homes on the market and interest rates still near historic all-time lows, it's no wonder that so many people remain seriously interested in taking steps ...

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May 20, 2015

Black Coffee: The American Atlas 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. Unfortunately, my plane from Boston ...

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May 16, 2015

The Emperor Has No Clothes: Why In-N-Out Burger Is Overrated

By Len Penzo

I know what I'm about to say is going to make more than a few people's heads explode, but it needs to be said: In-N-Out Burger ain't what it used to be. No, really. Trust me on this one, folks; I know what I'm talking about. I've been eating ...

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May 13, 2015

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