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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

My 15th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

By Len Penzo

If you're like most people, it's been hard not to notice the increase in your monthly grocery bill over the past two years. After a huge run-up in prices for everything from gasoline to food in 2022 - and despite the latest consumer price index ...

Continue reading My 15th Annual Cost Survey of 10 Popular Brown Bag Sandwiches

August 7, 2023

Black Coffee: Looking Out for #1

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: Looking Out for #1

August 5, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 20

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: Our First House. Because our one-bedroom apartment would soon be outgrown, we spent a lot of Sunday afternoons looking in nice ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 20

August 3, 2023

Tips for Maximizing Your Investment Returns

By Sabado Domingo

If you're looking for tips on maximizing your investment returns, it's important to understand that being a savvy investor these days is not nearly enough. You also have to be sure you're investing in the most tax-efficient manner possible. A recent ...

Continue reading Tips for Maximizing Your Investment Returns

August 2, 2023

Travel Mistakes: 12 Ways Travelers Inadvertently Increase Vacation Costs

By Mikey Rox

Cutting costs on travel can be a boon for our wallets. But there's a dark side to some of those "discounts." With that in mind, here are 12 travel mistakes that, if you're not careful, can end up costing you more than you bargained for: Flying ...

Continue reading Travel Mistakes: 12 Ways Travelers Inadvertently Increase Vacation Costs

August 1, 2023

The Role of BPO Services Providers in Digital Transformation

By Tex Freitag

Businesses increasingly embrace digital technologies to revolutionize their operations, improve customer experiences, and stay competitive.  Business Process Outsourcing (BPO) service providers are a critical player in this transformative ...

Continue reading The Role of BPO Services Providers in Digital Transformation

July 31, 2023

ADA to USDT: Navigating the Cardano-to-USDT Conversion Process

By Sabado Domingo

Investors and traders worldwide are taking notice of Cardano (ADA) as it gains popularity as a prominent cryptocurrency. As more individuals buy Cardano, they seek ways to convert their ADA holdings into other assets or stablecoins. One option many ...

Continue reading ADA to USDT: Navigating the Cardano-to-USDT Conversion Process

July 31, 2023

The Definitive Homebuyer’s Guide to Mortgage Junk Fees

By Len Penzo

After many years, I've become very familiar with that eternal home loan enigma known as the mortgage junk fee. It's hard not to become familiar with mortgage junk fees after buying two homes and refinancing my mortgage multiple times. As a result, I ...

Continue reading The Definitive Homebuyer’s Guide to Mortgage Junk Fees

July 31, 2023

Black Coffee: Living on Borrowed Time

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. Another busy week is crossed off the ...

Continue reading Black Coffee: Living on Borrowed Time

July 29, 2023

Helpful Tips to Help College Students Prepare for Their Future

By Sabado Domingo

You may already be in the middle of your degree program, and as important as your education is, there are other aspects of your future you need to consider. But since you're already busy going through your degree, you might be thinking you don't have ...

Continue reading Helpful Tips to Help College Students Prepare for Their Future

July 28, 2023

Escaping Your Comfort Zone: Why It’s So Important

By Len Penzo

Escaping our comfort zone is hard. After all, it's only human nature to want to spend as much time as possible there. And why not? It takes courage to walk away from the dependable familiarity and security that waits for us there; for many, sometimes ...

Continue reading Escaping Your Comfort Zone: Why It’s So Important

July 27, 2023

Good Financial Management: How to Make Yourself Richer by Understanding Money

By Sabado Domingo

Good financial management basically means taking the correct approach to your finances which in turn can help you to increase your net worth, to avoid financial difficulties and generally to be better off. Many of us think of good financial ...

Continue reading Good Financial Management: How to Make Yourself Richer by Understanding Money

July 26, 2023

How to Maximize Your Real Estate Investment

By Corazon Gritar

If you've been looking to start investing, real estate has likely been something you've thought about or discussed with others. Of course, you also want to know how to maximize your real estate investment. Indeed, real estate investing can be an ...

Continue reading How to Maximize Your Real Estate Investment

July 25, 2023

What the Producers of ‘House Hunters’ Will Never Ever Tell You

By Len Penzo

You know, there are some events that are so momentous, so earth-shaking, that we can remember exactly where we were the moment we first heard the news. For me, last week was one of those times. First, allow me to set the stage. Long time ...

Continue reading What the Producers of ‘House Hunters’ Will Never Ever Tell You

July 24, 2023

Black Coffee: Soft Money, Hard Times

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: Soft Money, Hard Times

July 22, 2023

Grandfather Says: The Continuing Chronicles of Elaine, Part 19

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: November 27, 1957: Carolyn’s DUE DATE. (She was born 8 days later, December 5.) Labor began around suppertime on the evening ...

Continue reading Grandfather Says: The Continuing Chronicles of Elaine, Part 19

July 20, 2023

When Is the Right Time to Buy Long Term Care Insurance?

By Sabado Domingo

It's amazing how many people fail to plan for the future. It's also amazing how many people deny the reality that we only have a certain number of years before we have outlived our usefulness. We all know that life is short, but how many of us really ...

Continue reading When Is the Right Time to Buy Long Term Care Insurance?

July 19, 2023

Expensive 401k Mistakes People Make

By Anum Yoon

If you're interested in saving for retirement, a 401k plan can't be beat. These employer-sponsored plans let employees save tax-free and choose from a range of investment options. The tax-free savings effectively lower your taxable income, which may ...

Continue reading Expensive 401k Mistakes People Make

July 18, 2023

How to Make the Most of Fancy Resorts Offering Low-Season Deals

By Len Penzo

I recently took my entire family -- including the in-laws -- to Scottsdale, Arizona for a little summer fun at a very posh desert resort. Okay, perhaps I'm exaggerating just a tiny bit. Let's call it fairly posh. Regardless, one thing is ...

Continue reading How to Make the Most of Fancy Resorts Offering Low-Season Deals

July 17, 2023

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Black Coffee: The Good Ol’ Days
Grandfather Says: The Continuing Chronicles of Elaine, Part 24
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