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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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

Effective Negotiating Tactics Everyone Should Know (Part 2)

By Len Penzo

This is Part 2 of a two-part series on negotiating tactics. If you missed it, here is Part 1. I've always believed that one of the most important life skills that every person should have mastered before setting out on their own is the art of ...

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December 2, 2014

Black Coffee: Oil and Dr. Copper Reveal a World Economy in Distress

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 terrific turkey ...

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November 29, 2014

Mailbag: Are US Savings Bonds Worth Buying Anymore?

By Len Penzo

So in light of the Federal deficit, devaluation of the dollar, lack of jobs, etc., what's your view of U.S. Savings Bonds these days? I have some, and can't find anyone talking about whether they're still a good investment. Yes, they earn relatively ...

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November 26, 2014

Black Coffee: Inflation, Deflation, and Taco Bell

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. Thanksgiving is right around corner -- ...

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November 22, 2014

Black Coffee: The Workin’ for a Living 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. I've got a bunch of errands to run, so ...

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November 15, 2014

Infographic: Diagnosing the Causes of Medical Debt in the U.S.

By Ivan Serrano

Over the last few years, medical debt has quickly become the number one reason why people file for bankruptcy in the United States. In fact, 1.7 million people will be forced to file bankruptcy because of their medical debt. Regardless of whether ...

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November 13, 2014

Black Coffee: Excuse Me While I Adjust My Tin Foil Hat

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. You know those annoying "captcha" ...

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November 8, 2014

Black Coffee: More Signs That the Currency War Is Heating Up

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... Wow. Can you believe it's November already? Christmas will be here before we know it. I once read that the passage of time is like a roll of toilet paper -- the closer you get to the end, the ...

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November 1, 2014

Black Coffee: Why More Tax Revenue Will Never Be Enough

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 got some honey-dos to take care ...

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October 25, 2014

Black Coffee: Is The Fed’s Magic Act Wearing Thin?

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 ... Contest ...

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October 18, 2014

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 ...

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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 ...

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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 ...

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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

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