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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

How A Gold Backed IRA Can Help Protect Your Retirement Nest Egg

By Tex Freitag

The stock market made great gains over the last several years. But that trend is clearly changing. As a result, if you have a traditional IRA or 401k, your retirement funds could be at risk. In fact, there is now plenty of evidence to at least ...

Continue reading How A Gold Backed IRA Can Help Protect Your Retirement Nest Egg

6 Comments May 2, 2022

Investing in the Metaverse: 9 Tips for Beginners

By Tex Freitag

What is the metaverse? It's a question you may have heard of before but may not know how to answer. Metaverse is a virtual reality platform that is often compared to the Internet. It allows users to create and interact with digital content and ...

Continue reading Investing in the Metaverse: 9 Tips for Beginners

Leave a Comment April 28, 2022

6 Ways to Extend Your Gaming Budget

By Tex Freitag

With inflation pinching wallets everywhere, finding a way to stretch your budget is more important than ever. Unfortunately, a budget is like a rubber band - you can stretch it a long way, but eventually it will break. Of course, it's one thing to ...

Continue reading 6 Ways to Extend Your Gaming Budget

1 Comment April 21, 2022

5 Things Everybody Should Do Before Applying for a Mortgage

By Tex Freitag

Have you checked your credit score? Do you have all of the correct paperwork in order? Are you aware of the market in which you are planning to buy? Applying for a mortgage is never an easy job. You can't change your income or credit history ...

Continue reading 5 Things Everybody Should Do Before Applying for a Mortgage

Leave a Comment April 19, 2022

Why Should Beginners Use the Best Forex EA?

By Tex Freitag

Traders associated with forex have to do and think a lot before the actual trading process starts. This volatile and challenging financial market requires traders to have a certain amount of expertise and knowledge to turn the odds in their favor - ...

Continue reading Why Should Beginners Use the Best Forex EA?

1 Comment March 29, 2022

Take Control of Your Personal Finances with These Budgeting Tips

By Tex Freitag

Many of us don't take our money seriously when we first start earning, which sometimes results in acquiring debt or a sub-par living standard. However, it is never too late to begin managing your money in a way that proves to be beneficial for you in ...

Continue reading Take Control of Your Personal Finances with These Budgeting Tips

2 Comments March 28, 2022

San Francisco Guide: Things to Do When You Are Bored

By Tex Freitag

San Francisco - also known as San Fran, Frisco, and The City - is a cultural, financial, and commercial center in California. It ranked second in the US on the Global Financial Centers Index in 2021; it's also a popular destination for people seeking ...

Continue reading San Francisco Guide: Things to Do When You Are Bored

2 Comments March 22, 2022

The Top 10 Car Maintenance Tips Everyone Should Know

By Tex Freitag

Nearly everyone knows how to drive a car. However, not everyone knows how to take care of their car. If you're one of those who don't know how to properly take care of their vehicle, don't worry - it's not too late to take that route. Luckily for ...

Continue reading The Top 10 Car Maintenance Tips Everyone Should Know

1 Comment March 11, 2022

4 Ways to Reduce the Risk of Crypto Investments

By Tex Freitag

Cryptocurrency has become the decade's top financial disruptor. With billionaires, conglomerates, and governments all joining the crypto fold, these digital tokens have soared in value. Just last November, the crypto market cap hit an all-time high ...

Continue reading 4 Ways to Reduce the Risk of Crypto Investments

2 Comments March 8, 2022

How to Bet Responsibly for Your Favorite Team

By Tex Freitag

While fans may be stressed to back their team no matter what, this does not always translate as well when placing a wager for an upcoming sporting event featuring their dearly beloved club, with fans often placing bewildering stakes on their side ...

Continue reading How to Bet Responsibly for Your Favorite Team

4 Comments February 14, 2022

How to Work Out a Budget for Your Hobbies and Stick to It

By Tex Freitag

For many people, hobbies are a great way to wind down and relieve some of the stresses that are common for those who juggle working, families and friendships. Those with lots of commitments may enjoy the chance to do something just for themselves, ...

Continue reading How to Work Out a Budget for Your Hobbies and Stick to It

5 Comments February 11, 2022

The Post-Pandemic Future and the Search for New & Exciting Hobbies

By Tex Freitag

The winter months usually coincide with that particular time of year when most people want to try something new, some fun and exciting hobby or pastime that will reveal to them new forms of entertainment they never knew existed. It is the same kind ...

Continue reading The Post-Pandemic Future and the Search for New & Exciting Hobbies

4 Comments February 9, 2022

Are Utility Tokens Worth the Investment?

By Tex Freitag

Through the years, digital assets have steadily gained more acceptance from the mainstream. Between 2012 and 2021, the value of the bitcoin cryptocurrency rose by a whopping 200,000%! Though volatile, many of these investments have historically ...

Continue reading Are Utility Tokens Worth the Investment?

Leave a Comment February 2, 2022

Transitioning to a Vegan Lifestyle: Pros and Cons

By Tex Freitag

Everyone knows at least a person or two who have decided to go vegan over the past few years. The popularity of a vegan lifestyle makes perfect sense. It is as healthy and sustainable as it is trendy - just look at how many celebrities are vegan. ...

Continue reading Transitioning to a Vegan Lifestyle: Pros and Cons

2 Comments January 25, 2022

Should You Trade Cryptocurrencies with Other Crypto or Use Fiat Money?

By Tex Freitag

By now, you are probably perfectly aware that trading cryptocurrencies can be a profitable pursuit if you don't mind a healthy dollop of market volatility. The unstoppable rise of bitcoin (BTC) has been so stark that even countries, such as El ...

Continue reading Should You Trade Cryptocurrencies with Other Crypto or Use Fiat Money?

1 Comment January 14, 2022

Reverse Mortgages as Payment for Elderly Care

By Tex Freitag

Typically, elderly care can be expensive. If you have an elderly family member, it's one of the concerns you have to think about as they age and experience physical and cognitive decline. No matter how independent they are when they're young, it'll ...

Continue reading Reverse Mortgages as Payment for Elderly Care

2 Comments January 14, 2022

How To Avoid Fees On Your Cash App

By Tex Freitag

Cash App is the name of a popular mobile payment service that lets you send money electronically to friends and family with just a smartphone. The Cash App is free and accepts debit cards, credit cards and bitcoin. Acclaimed by many, this app has ...

Continue reading How To Avoid Fees On Your Cash App

Leave a Comment December 23, 2021

How to Invest in the Best Cryptocurrency Exchanges

By Tex Freitag

Ten years ago now, people had no idea that cryptocurrencies would transform into a prosperous financial market. Bitcoin, the first-ever cryptocurrency, was developed to revolutionize the current financial system. It gave rise to thousands of altcoins ...

Continue reading How to Invest in the Best Cryptocurrency Exchanges

1 Comment December 20, 2021

The Benefits of Taking a Reverse Mortgage Now vs. Later

By Tex Freitag

There isn't a right or wrong time to get a reverse mortgage but, depending on your personal retirement goals, the earlier you choose to get a reverse mortgage, the greater the potential gain may be down the road. Reverse mortgages allow homeowners ...

Continue reading The Benefits of Taking a Reverse Mortgage Now vs. Later

1 Comment November 24, 2021

Trucking 101: 9 Tips to Reduce Detention Time

By Tex Freitag

If you're a trucker, one of the most frustrating things that can happen while you're on the road is getting your truck detained while you're loading. It can be even more frustrating when you feel like there's nothing you can do to stop the ...

Continue reading Trucking 101: 9 Tips to Reduce Detention Time

Leave a Comment November 19, 2021

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