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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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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

9 Great Gift Ideas for People Who Have Everything

By Len Penzo

I always struggle when it comes to finding great gift ideas for people who have everything. My family draws names every year as part of our annual Christmas gift exchange. It's typically done a year in advance, on Christmas Day, long after all the ...

Continue reading 9 Great Gift Ideas for People Who Have Everything

November 21, 2022

Black Coffee: Wake-Up Call

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. Well ... another busy week is behind ...

Continue reading Black Coffee: Wake-Up Call

November 19, 2022

Compound Interest Isn’t Everyone’s Best Friend

By Len Penzo

Invest $100 that earns a 6% annual return and you'll have $106 a year later. The uninitiated might expect to see $112 in their account after two, but they'd actually have $112.36 because interest not only accrued on the original principal of $100, ...

Continue reading Compound Interest Isn’t Everyone’s Best Friend

November 17, 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 ...

Continue reading Why You Need Point of Sale Equipment for Your Retail Business

November 16, 2022

Learn All About Hard Money Loans In Less Than 7 Minutes

By Corazon Gritar

When you think about loans, you probably either think about big banks that have capital to spare or shady back-alley loan sharks that are almost certainly going to scam you. Hard money loans fall outside of both of these stereotypes. More ...

Continue reading Learn All About Hard Money Loans In Less Than 7 Minutes

November 15, 2022

Opening a Tax Prep Office: 5 Steps to Success

By Tex Freitag

It's no secret that filing taxes is a chore for everyone, from individuals to corporations. These are the folks that tell themselves they don't need help with the accounting but end up having trouble with the figures and paperwork. When tax season ...

Continue reading Opening a Tax Prep Office: 5 Steps to Success

November 14, 2022

101 Slang Terms for Money

By Len Penzo

In 1737, Benjamin Franklin published The Drinker's Dictionary, a long list of over 200 alternative terms and phrases for being drunk. On the other hand, good ol' Ben never published a similar list of money slang -- which I find to be curious when you ...

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November 14, 2022

Black Coffee: Rock vs. Paper

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: Rock vs. Paper

November 12, 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

If You’re Thinking About a Honeymoon in Australia, Here Are 7 Fun Ideas

By Tex Freitag

Wine, beaches or rugged terrain? Or maybe something more exotic? If you're looking for great Australia honeymoon ideas, then you've come to the right place. Of course, that's because the natural diversity of Australia offers a range of choices for ...

Continue reading If You’re Thinking About a Honeymoon in Australia, Here Are 7 Fun Ideas

November 9, 2022

How the Recent Surge In E-Commerce Is Affecting Businesses & Consumers

By Corazon Gritar

In years past, the Internet was simply a tool. If you wanted to know the answer to a question or to keep up on current events as they were happening, the World Wide Web was there to help. Now, it's more of an appendage; from social media to ...

Continue reading How the Recent Surge In E-Commerce Is Affecting Businesses & Consumers

November 8, 2022

The End of the Dollar: Exponential Curves and the Illusion of Safety

By Len Penzo

Perhaps the most deceiving force in the entire universe is the exponential function. It's not surprising when people insist that my warnings about the end of the debt-based dollar monetary system are nonsense. Usually they argue that it's because ...

Continue reading The End of the Dollar: Exponential Curves and the Illusion of Safety

November 7, 2022

Black Coffee: Rich Man, Poor Man, Beggar Man, Thief

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: Rich Man, Poor Man, Beggar Man, Thief

November 5, 2022

Grandfather Says: The Saint & The Money Man

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. It is of note because of the astonishing contrast between the narcissistic, determined abortion-minded young radical women today ...

Continue reading Grandfather Says: The Saint & The Money Man

November 3, 2022

I Bonds Are Now Paying 6.89%; Here Are Those I Bond Pros and Cons

By Len Penzo

Many people are eager to learn about I bond pros and cons. The Honeybee and I bought $20,000 worth of United States' Series I savings bonds in May 2022 - known colloquially as "I bonds" - in order to take advantage of their current "risk free" ...

Continue reading I Bonds Are Now Paying 6.89%; Here Are Those I Bond Pros and Cons

November 2, 2022

Why Do Forex Traders Need Brokers?

By Sabado Domingo

Being an online trader gives an investor a lot of freedom. So it's understandable that some online traders balk at the notion of having to go through a broker to get into the forex market; but there are important reasons why you must go with a broker ...

Continue reading Why Do Forex Traders Need Brokers?

November 2, 2022

3 Ways to Save Money on Your Next Dental Visit

By Corazon Gritar

Going to the dentist is an important - but sometimes expensive - visit. Dental health is crucial and can have an impact on your overall health, so you shouldn't skip going to the dentist because you can't afford it. But there are some procedures that ...

Continue reading 3 Ways to Save Money on Your Next Dental Visit

November 1, 2022

What You Need to Know About Payday Loans

By Sabado Domingo

If you're still wondering what to know about payday loans, perhaps the most important thing is that they're a high-interest short-term option. Payday loans fall under the unsecured loan category because they don't need collateral. Payday loans ...

Continue reading What You Need to Know About Payday Loans

October 31, 2022

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