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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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 ...

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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 ...

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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 ...

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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 ...

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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. ...

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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 ...

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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 ...

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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 ...

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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 ...

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January 10, 2015

Black Coffee: Buckle Up, It’s Going to Get Bumpy in 2015

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Well another year has come and gone. I've been busy making some changes here at Len Penzo dot Com this weekend, which is why I have a very brief, super-concentrated, espresso edition of Black ...

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January 3, 2015

Black Coffee: Americans’ Stagnant (and Exploding) Wage Problems

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 hope everybody had a wonderful ...

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December 27, 2014

How to Quickly Tell If Your Grocer’s Produce Is Genetically Modified

By Len Penzo

It's a no brainer: if you want to be healthy you'd have to eat more fruit and vegetables -- but there's a caveat. Pesticide residue that's left on produce can lead to a variety of ailments over the long term. Pesticides can accumulate inside the body ...

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December 23, 2014

Black Coffee: Da Plane! Da Plane! Welcome to Fantasy Island.

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. Happy holidays, everyone! We're in the ...

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December 20, 2014

Why Your Favorite Charity Shouldn’t Be You

By Antonio Fortunato

Charity is defined as an act of giving, not coerced and not expecting anything in return; an act motivated by the desire to help those less fortunate than yourself. Awhile back, there was an article on this blog by a guest author who explained why ...

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December 17, 2014

Donate? Humbug! 8 Reasons Why My Favorite Charity Is Me

By Ebenezer Scrooge

Every year, especially around the holidays, I get hit up by solicitors asking me to donate to charity. The requests come from every direction. When people aren't knocking on my door with their hat in hand, then the requests come by mail and on the ...

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December 16, 2014

Black Coffee: The Sixth Anniversary 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. Believe it or not, my blog turned six ...

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December 13, 2014

A Low Cost Way to Stay Connected to Your Kids Without Cell Phones!

By Guest

(Readers: This is a sponsored post from Amber Alert GPS.) What's cheaper than a cell phone, and lets you stay connected with your kids? "We're on a tight budget, and every dollar counts. But we need to buy two cell phones for our 10-year-old ...

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December 12, 2014

Black Coffee: A Reminder That In the Essence of Truth Lies Deceit

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... In case you're wondering, there are less than 18 shopping days left until Christmas. I'm not trying to rush you. I'm just sayin'. Okay, off we go ... Credits and Debits Debit: At the ...

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December 6, 2014

Infographic: How Age Affects Our Holiday Shopping Habits

By Len Penzo

With Black Friday behind us, the traditional start of the holiday shopping frenzy is finally here. But, as a recent survey by Credit Karma suggests, holiday shopping habits are heavily dependent on how old you are. For example, it turns out that the ...

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December 3, 2014

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