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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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 ...

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

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" ...

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

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 ...

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

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 ...

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 ...

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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 ...

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 ...

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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 ...

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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 ...

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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 ...

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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

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