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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Presenting a Little Economic Food for Thought

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: Presenting a Little Economic Food for Thought

March 21, 2015

Black Coffee: Why the Debt Really Doesn’t Matter Anymore

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: Why the Debt Really Doesn’t Matter Anymore

March 14, 2015

How I Live On Less Than $40,000 Annually: Amanda from Michigan

By Guest

My name is Amanda, and I'm an example of someone who didn't worry about financial responsibility and saving until relatively late in life -- but I'm so glad that I finally did! My current income averages $2790 per month. Even so, over the past few ...

Continue reading How I Live On Less Than $40,000 Annually: Amanda from Michigan

March 9, 2015

Black Coffee: The Internet Dress Edition

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... There has been a lot of controversy floating around lately about Len Penzo dot Com. As such, I feel compelled to set the record straight: My website is predominantly green and white -- not ...

Continue reading Black Coffee: The Internet Dress Edition

March 7, 2015

An Urgent Savings Recommendation

By Len Penzo

If I had a nickel for every time somebody has dropped me an email and asked me when our financial system is finally going to go belly up, I'd have about 85 cents right now. The truth is, if you look back, I never make actual predictions in my Black ...

Continue reading An Urgent Savings Recommendation

March 7, 2015

How Poker Helps Entrepreneurs Make Better Business Decisions

By Sabado Domingo

Making business decisions is an easy task -- but making great business decisions that provide serious returns for your company is something else entirely. Looking for the perfect skill set necessary to make you an office superstar? Try looking to ...

Continue reading How Poker Helps Entrepreneurs Make Better Business Decisions

March 5, 2015

Stop Feeling Guilty! Why Getting a Tax Refund Isn’t Such a Bad Idea

By Len Penzo

I love getting a refund check from the tax man during tax season! Of course, whenever I say that, I almost always get chastised by somebody who tells me I'm crazy for feeling that way. Indeed, most income tax experts advise us to take advantage of ...

Continue reading Stop Feeling Guilty! Why Getting a Tax Refund Isn’t Such a Bad Idea

March 2, 2015

Black Coffee: You Say Tomato, I Say Lycopersicon Esculentum

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. Well, I've got good news and bad news ...

Continue reading Black Coffee: You Say Tomato, I Say Lycopersicon Esculentum

February 28, 2015

How Much Does It Cost to Add a Teen Driver to Your Auto Insurance?

By Len Penzo

There was a time when teenagers actually chomped at the bit when it came to getting their driver's license. In fact, I think it's safe to say that most of us born before 1980 spent at least a small part of our sixteenth birthday standing in line at ...

Continue reading How Much Does It Cost to Add a Teen Driver to Your Auto Insurance?

February 25, 2015

Black Coffee: Bigfoot Hunters, Gold Bugs and Other Cuckoos

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: Bigfoot Hunters, Gold Bugs and Other Cuckoos

February 21, 2015

Why Restaurant No-Tipping Policies Are a Bad Idea

By Len Penzo

In the United States, diners have been tipping their servers for more than a century. It's a time-honored practice that's as American as, well, baseball and apple pie. Tipping was originally intended as an incentive for rewarding and encouraging ...

Continue reading Why Restaurant No-Tipping Policies Are a Bad Idea

February 18, 2015

10 States Where You Can’t Afford to Get Into a Car Accident

By Len Penzo

Who doesn't love getting behind the wheel of a car every once in a while and just drive for the sake of driving? Cars provide a sense of freedom that other modes of transportation can't. Then again, nothing can put a damper on the joys of driving ...

Continue reading 10 States Where You Can’t Afford to Get Into a Car Accident

February 17, 2015

Black Coffee: Valentine’s Day with Alice and the Queen of Hearts

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 a Valentine's Day weekend, and ...

Continue reading Black Coffee: Valentine’s Day with Alice and the Queen of Hearts

February 14, 2015

Black Coffee: Deceitful Data, Dying Dollars and Dueling Doulas

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Upward and onward. By the Numbers Oh, yes ... Before we get to the credit and debits, here is a little more info on doulas and the benefits they offer: 50% Decrease in overall ...

Continue reading Black Coffee: Deceitful Data, Dying Dollars and Dueling Doulas

February 7, 2015

Why Everyone Should Get Financially Naked BEFORE Marriage — Not After

By Len Penzo

Does love really conquer all? Not when it comes to money matters, it doesn't. As Get Financially Naked states in its opening pages, when it comes to relationships, financial compatibility is as important as emotional and physical compatibility. ...

Continue reading Why Everyone Should Get Financially Naked BEFORE Marriage — Not After

February 4, 2015

Black Coffee: Happy Days Are Here Again

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. Well, it's Super Bowl weekend and I've ...

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January 31, 2015

Black Coffee: Cheap Gas, $43 Hot Dogs & Hasty Hedge Fund Managers

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: Cheap Gas, $43 Hot Dogs & Hasty Hedge Fund Managers

January 24, 2015

How I Live on Less Than $40,000 Annually: Rebecca from Wisconsin

By Guest

My name is Rebecca and I'm so excited that I discovered Len's blog! My family doesn't talk much about money and my friends all represent very different monetary situations so I've been a little over my head since I decided to take control of my ...

Continue reading How I Live on Less Than $40,000 Annually: Rebecca from Wisconsin

January 19, 2015

Black Coffee: Apathy, Ignorance and the Dying World Monetary System

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: Apathy, Ignorance and the Dying World Monetary System

January 17, 2015

Black Coffee: No, You Can’t Have Fries With That

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. The NFL playoffs are in full swing ...

Continue reading Black Coffee: No, You Can’t Have Fries With That

January 10, 2015

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