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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

What Is a Crypto Airdrop?

By Sabado Domingo

what is crypto airdrop

Crypto projects often distribute free tokens to crypto community wallet addresses to encourage the adoption of a well-known or new cryptocurrency. This is called an "airdrop" (literally: airdrop) and happens for various reasons.  The usdt ...

Continue reading What Is a Crypto Airdrop?

August 7, 2023

The Intentional Obsolescence Scam: How It’s Robbing You Blind

By Mikey Rox

This may come as a shock, but some of the most trusted brands to which you're loyal are selling you things that are designed to break or otherwise become useless after a period of time. There's a name for this shady practice -- planned or intentional ...

Continue reading The Intentional Obsolescence Scam: How It’s Robbing You Blind

July 11, 2023

The Most Important Power Tool a Household CEO Can Own

By Len Penzo

There are more than eight-million victims of identity theft in the United States every year; on average they lose $750 per incident and spend 59 hours of personal time closing fraudulent accounts. You can reduce your risk of identity fraud by ...

Continue reading The Most Important Power Tool a Household CEO Can Own

June 29, 2023

Shopping In the Modern Age: Does the Internet Encourage Overspending?

By Corazon Gritar

The US is a consumer nation. Although we have always been driven by capitalism and encouraged to spend our hard-earned money on a wide variety of products, the creation of the Internet has changed our behavior. With the shift away from ...

Continue reading Shopping In the Modern Age: Does the Internet Encourage Overspending?

May 30, 2023

Why Lazy People Shouldn’t Automate Their Finances

By Len Penzo

Millions of successful household CEOs automate their finances in order to save time and money, and help them reach their financial goals. For example, prepaying your utility bills, the mortgage and other loans helps eliminate late fees and postage. ...

Continue reading Why Lazy People Shouldn’t Automate Their Finances

May 18, 2023

Benefits for Businesses That Allow Employees to Work from Home

By Enero Febrero

According to Strategic Business Insights, the trend toward working from home and the virtual workplace is still continuing to increase. Of course, working from home offers significant benefits in terms of a business's ability to work with employees ...

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May 17, 2023

How to Manage Employee Payrolls Effectively

By Enero Febrero

Payroll management is something that is both basic and complex at the same time. But it's something that every employer has to deal with -  so it's vitally important to get it right. The trouble is, many first-time business owners have no idea how to ...

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May 10, 2023

DVDs From Hell: How to Skip DVD Trailers & Ads

By Len Penzo

One recent weekend not too long ago I came home to find out that both my kids happened to be spending the night at neighbors' homes. Heh. Of course, I'm sure all of you who are married with children know what that means. But before that could ...

Continue reading DVDs From Hell: How to Skip DVD Trailers & Ads

April 12, 2023

Are Energy Efficient CFL Bulbs Worth Paying More For?

By Len Penzo

The other day my home's incandescent 60-watt porch light bulb finally gave up the ghost, so I ran down to my favorite hardware store to pick up a new one. Upon arriving, the choice I had to make was whether to buy a new incandescent bulb, or an ...

Continue reading Are Energy Efficient CFL Bulbs Worth Paying More For?

March 20, 2023

Debit or Credit: Which One Is Better?

By Len Penzo

"What kind of dressing would you like on your salad?" For most people, it's a simple decision -- but not for me. I don't know why, but when my server presents that question I usually tense up and act like I've just been asked the million-dollar ...

Continue reading Debit or Credit: Which One Is Better?

February 20, 2023

36 Amazing Uses for Plastic Grocery Bags

By Len Penzo

I've been a big defender of plastic grocery bags for a long time. In fact, last year I challenged readers to tell me why the humble plastic bag is still maligned by so many people. Now I may be just a wee bit biased, but I think I made a very ...

Continue reading 36 Amazing Uses for Plastic Grocery Bags

January 23, 2023

How Video Conferencing Reduces Small Business Costs

By Enero Febrero

Saying that running a small business is a difficult task is like saying the ocean is a little wet. Such understatements aside, the fact of the matter is that any organization have to make the most of its limited budget if it wants to remain viable in ...

Continue reading How Video Conferencing Reduces Small Business Costs

January 11, 2023

Why You Should Use Comparison Sites

By Sabado Domingo

Shopping online has become increasingly popular in recent years, with consumers able to purchase a wide range of products and services from the comfort of their own homes. While this is convenient and oftentimes easier than shopping in physical ...

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January 4, 2023

The 5 Best Smart Phone Budgeting Apps

By Ahmad Raza

A good smartphone isn't cheap, especially if you care about special features and hardware capabilities. Of course, the better the mobile phone is, the more you'll have to pay. These days a top of the line iPhone can run more than $1000. However, they ...

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January 4, 2023

The Importance of Understanding Energy Tariffs

By Sabado Domingo

Energy is necessary for running our businesses and homes, but it can be costly. Consumers and suppliers alike have borne the brunt of the UK's energy crisis, which has since seen the price of energy skyrocketing thanks to high energy ...

Continue reading The Importance of Understanding Energy Tariffs

December 6, 2022

How Does Blockchain Technology Work? Here’s a Simple Example

By Len Penzo

If you want to know how blockchain technology works, it would be helpful to understand how it got started. When looking back at the history of blockchain technology, the initial seeds of its creation were planted in a 1991 research paper entitled ...

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December 6, 2022

The Optimistic Future of Bitcoin in the Oil Industry

By Tex Freitag

With bitcoin, a vulnerability in the oil and gas industry could be mitigated by oil companies using blockchain technology as a means of transacting business on an international level without the need for central banks and foreign exchange ...

Continue reading The Optimistic Future of Bitcoin in the Oil Industry

November 21, 2022

Why You Need Point of Sale Equipment for Your Retail Business

By Sabado Domingo

If you want to become a leading player in the retail industry, it is imperative to make the most of last-generation point of sale (POS) equipment. Today, there are many appealing options, enabling users to save time and money while serving their ...

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November 16, 2022

Why Programmable Thermostats Rarely Save People Money

By Len Penzo

For most folks who find themselves away from home for a good portion of the day, a programmable thermostat offers many benefits. Conventional wisdom says one of the biggest is lower energy bills resulting from more efficient heating and air ...

Continue reading Why Programmable Thermostats Rarely Save People Money

November 10, 2022

Advantages of Having Your Influencer Marketing Platform

By Sabado Domingo

Influencer marketing improves SEO Increasing the number of backlinks that point to your website through influencer marketing is an excellent way to boost your SEO. More backlinks mean higher rankings in the organic search results. In addition, it ...

Continue reading Advantages of Having Your Influencer Marketing Platform

November 9, 2022

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