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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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Black Coffee: Getting What We Pay For

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 week. ...

Continue reading Black Coffee: Getting What We Pay For

April 27, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 39

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: Wildlife on Our Mountain One night, during our sojourn in the valley, we heard the chilling sound of a wildcat passing ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 39

April 25, 2024

4 of the Best iPhone Apps for Every Business Traveler

By Sabado Domingo

Business travel can be nerve-wracking on its own, without the added stress of trying to keep up with whatever you're missing out on back at the office. If you're worried about falling behind or being stuck out of the loop while you kill time in the ...

Continue reading 4 of the Best iPhone Apps for Every Business Traveler

April 24, 2024

3 Money-Saving Home Improvements

By Corazon Gritar

There's plenty of content out there about how you can save money on your home improvement projects. After all, almost 85% of the nation's homes were built before 1980 and are in need of some kind of improvement. But if you want to make your home ...

Continue reading 3 Money-Saving Home Improvements

April 23, 2024

4 Financial Benefits of Owning a Business

By Corazon Gritar

In our modern world, more and more people are jumping into the world of entrepreneurship. You could start your journey by working with an experienced business consultant. In fact, according to Zippia, more than 66,769 people are working in this field ...

Continue reading 4 Financial Benefits of Owning a Business

April 22, 2024

The Fed, the Market, and the Wisdom of Crowds

By Len Penzo

Those of you who have been reading my weekly Black Coffee columns are aware of my repeated lamentations that, thanks to the manipulation of interest rates by the Fed and interventions and bail-outs by our federal government -- which inhibit ...

Continue reading The Fed, the Market, and the Wisdom of Crowds

April 22, 2024

Are Used Cars Better Than New Cars?

By Len Penzo

Are used cars better than new cars? Everybody would love to have a new automobile every couple of years but, for most, that's an extremely expensive proposition -- nor does it make much sense. You can't beat a used vehicle purchased from a private ...

Continue reading Are Used Cars Better Than New Cars?

April 18, 2024

4 Common Mistakes New Small Business Owners Make Financially

By Corazon Gritar

Running a small business is a learning opportunity most of the time which, with proper planning, can result in an amazing life venture. You need to take your time at the planning stage to ensure that there's a low likelihood of something going wrong. ...

Continue reading 4 Common Mistakes New Small Business Owners Make Financially

April 17, 2024

Infographic: A Quick Lesson on How Currency Moves

By Len Penzo

The movement of currency is a complex cycle that involves a number of different entities. So how does currency move? Well ... it begins at federal facilities throughout the United States and follows an intricate path that takes it through banks, ...

Continue reading Infographic: A Quick Lesson on How Currency Moves

April 17, 2024

5 Ways to See Disney on a Budget

By Anum Yoon

For most people who don't live in California or Florida, a trip to Disney is a rare treat. Even if you only do it once a year, or once every few years, a full Disney vacation can be expensive; sometimes prohibitively so. Thankfully, it is possible to ...

Continue reading 5 Ways to See Disney on a Budget

April 16, 2024

How to Find Discount Plumbers Who Won’t Rip You Off

By Len Penzo

I'm not a plumber. In fact, I'm not very handy around the house at all. If I can't fix something with a hammer or screwdriver I prefer to pay somebody else to do the work. That's why I decided to consider a professional plumber to reroute and ...

Continue reading How to Find Discount Plumbers Who Won’t Rip You Off

April 15, 2024

Black Coffee: “Trust Us”

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 an enjoyable week. ...

Continue reading Black Coffee: “Trust Us”

April 13, 2024

Grandfather Says: The Continuing Chronicles of Elaine, Part 38

By RD Blakeslee

The following was written by my late wife Elaine. She wrote a long book, a diary really, from which this is one passage: My Contribution What is now an enclosed “room” off the living room was just a roof over an open porch. We used it that way, ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 38

April 11, 2024

Drive-By Movie Review: Zombieland

By Len Penzo

This is a review of the movie Zombieland starring Woody Harrelson, Jesse Eisenberg, Emma Stone, and Bill Murray. Plot Summary: A cowardly shut-in named Columbus is forced to join up with a seasoned zombie slayer named Tallahassee in order to ...

Continue reading Drive-By Movie Review: Zombieland

April 10, 2024

How to File an Insurance Claim After a Home Fire

By Corazon Gritar

Here's a frightening fact: a house fire breaks out in the US every 86 seconds. If you've ever experienced this kind of terrible and tragic event, then you know how overwhelming the aftermath can be. Homeowners whose property has been destroyed or ...

Continue reading How to File an Insurance Claim After a Home Fire

April 9, 2024

Why You Should Care About Digital Currencies

By Tex Freitag

Digital money, cybercash, space bucks - whatever you call it, virtual currency is here to disrupt finances for good! While cryptos confuse some and enthuse others, ignorance won't inoculate average folks from emerging econo-realities. As blockchain ...

Continue reading Why You Should Care About Digital Currencies

April 8, 2024

6 Giant Ads That Can Be Seen from the Sky

By Len Penzo

Remember when daredevil skydiver Felix Baumgartner jumped from a perfectly good balloon more than 128,000 feet above Earth -- and lived to tell about it? To give you an idea of just how high that is, commercial jet airplanes typically fly at an ...

Continue reading 6 Giant Ads That Can Be Seen from the Sky

April 8, 2024

Black Coffee: The Gaslighters

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 another busy weekend ahead of ...

Continue reading Black Coffee: The Gaslighters

April 6, 2024

Tips for Budgeting for Surrogacy

By Corazon Gritar

It's not a secret that the process of surrogacy can be a costly one, but it's well worth it for people who want to be parents. That said, you can budget for the surrogacy process so that you get it done with minimal hassle from start to finish. Here ...

Continue reading Tips for Budgeting for Surrogacy

April 4, 2024

Why Inflation Is Taxation Without Representation

By Len Penzo

Inflation is a tax that doesn't require legislative approval. In other words, inflation is taxation without representation. Let's look at an example. Assume your savings account earns a very modest 3% interest. Whether that interest is taxed at 100% ...

Continue reading Why Inflation Is Taxation Without Representation

April 4, 2024

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