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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Ferraris, Teslas and the Cost of a Harvard Education

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 ... Credits ...

Continue reading Black Coffee: Ferraris, Teslas and the Cost of a Harvard Education

October 11, 2014

Infographic: How the American Dream Is Getting More Expensive

By Len Penzo

No, it's not your imagination. The cost of maintaining the American dream is getting harder with each passing year. To illustrate, the folks from Vouchercloud have put together a detailed graphic that succinctly summarizes price increases since 2004 ...

Continue reading Infographic: How the American Dream Is Getting More Expensive

October 7, 2014

Black Coffee: Unicorns, Rainbows and the Improving Economy

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Let's get right to it this week ... Credits and Debits Credit: Don't look now, but the US dollar index is currently on its longest winning streak ever -- 12 weeks and counting. In fact, the ...

Continue reading Black Coffee: Unicorns, Rainbows and the Improving Economy

October 4, 2014

Check Out the Latest Gimmick for Disposing of Expired Credit Cards

By Len Penzo

Every once in awhile, I come across something that causes me to scratch my head in utter bewilderment and ask, "Was that really necessary?" It usually happens when some company makes a change in the name of improved customer service, a better ...

Continue reading Check Out the Latest Gimmick for Disposing of Expired Credit Cards

September 30, 2014

Why Bottle Redemption Fees Belong In Your Local Landfill

By Len Penzo

Seattle's recent controversial decision to fine residents who put too much food in their garbage bins got me thinking about a recycling law in California that I believe needs to be repealed: the bottle redemption law. Frankly, I consider it to be ...

Continue reading Why Bottle Redemption Fees Belong In Your Local Landfill

September 29, 2014

Black Coffee: The Garbage Police and the Fed’s Paper Waste Problem

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: The Garbage Police and the Fed’s Paper Waste Problem

September 27, 2014

How a Content Service Can Boost Your Blog Income

By Enero Febrero

As a blog owner, it is difficult to come up with fresh topics and fresh content for your readers at all times; a content creation service understands your needs as a blog owner. Content creation services have writers available that are well-versed in ...

Continue reading How a Content Service Can Boost Your Blog Income

September 26, 2014

Black Coffee: Bulls Make Money, Pigs Make Money, Bears Get Slaughtered

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. And away we go ... Credits and ...

Continue reading Black Coffee: Bulls Make Money, Pigs Make Money, Bears Get Slaughtered

September 20, 2014

Black Coffee: Yes, the Fed Is Blaming Hoarders for the Rotten Economy

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 helping my father-in-law move into ...

Continue reading Black Coffee: Yes, the Fed Is Blaming Hoarders for the Rotten Economy

September 13, 2014

Black Coffee: Hi Ho, Hi Ho, It’s Off to Work We Go

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Let's get right to it this week ... Credits and Debits Credit: With Labor Day behind us, it's sad to know that some people will always be allergic to work. In South Korea, the desire of some ...

Continue reading Black Coffee: Hi Ho, Hi Ho, It’s Off to Work We Go

September 6, 2014

Black Coffee: Somebody Is Knocking on the Door, But It’s Not Domino’s

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: Somebody Is Knocking on the Door, But It’s Not Domino’s

August 30, 2014

The Average Owner Credit Score and Loan Payment for 10 Popular Cars

By Len Penzo

In case you missed it, the other day ZeroHedge published a story on the soaring car repossession rate that included some interesting data from Experian comparing the average credit scores and loan payments for owners of ten popular car models. I ...

Continue reading The Average Owner Credit Score and Loan Payment for 10 Popular Cars

August 26, 2014

Black Coffee: The Quinceanera 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. Okay, off we go ... The Question of ...

Continue reading Black Coffee: The Quinceanera Edition

August 23, 2014

7 Retaliatory Fees Travelers Should Be Charging the Airlines

By Len Penzo

One of the greatest technological achievements of the modern era is, unquestionably, the turbine engine. The invention ushered in the jet age, which bestowed upon mankind the luxury of safe and rapid transcontinental and intercontinental travel at ...

Continue reading 7 Retaliatory Fees Travelers Should Be Charging the Airlines

August 18, 2014

Black Coffee: Sometimes, He Who Sells First Sells Best

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. And away we go ... Credits and ...

Continue reading Black Coffee: Sometimes, He Who Sells First Sells Best

August 16, 2014

Black Coffee: More Promises to Pay Tuesday for a Hamburger Today

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: More Promises to Pay Tuesday for a Hamburger Today

August 9, 2014

Pictures of Our $23,922 Bathroom Remodel (and Some Lessons Learned)

By Len Penzo

After eight weeks, our master bathroom remodel is finally finished. I guess I shouldn't complain; we waited 17 years to make the upgrade. It was also the last room in our modest 2000 square-foot, three-bedroom, two-and-half bathroom home to get a ...

Continue reading Pictures of Our $23,922 Bathroom Remodel (and Some Lessons Learned)

August 4, 2014

Black Coffee: Neither a Borrower nor a Lender Be

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Let's get right to it this week ... International News This past week, I was interviewed by Doug Goldstein for a segment on his terrific money show, Goldstein on Gelt, which is featured on ...

Continue reading Black Coffee: Neither a Borrower nor a Lender Be

August 2, 2014

Taste-Test Experiment: 11 Kids Evaluate Name-Brand vs. Generic Cereals

By Len Penzo

When it comes to breakfast, kids can be real cereal killers. Unfortunately, for those of us trying to lower our grocery bill, name-brand cereals can be a very expensive proposition. That got me thinking: Can kids really tell the difference between ...

Continue reading Taste-Test Experiment: 11 Kids Evaluate Name-Brand vs. Generic Cereals

July 30, 2014

Black Coffee: Promises, Promises, Promises

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 planted a couple of tomato plants in the ...

Continue reading Black Coffee: Promises, Promises, Promises

July 26, 2014

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