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Those who fail to plan, plan to fail. And like it or not, planning for the unexpected by being properly insured is a big part of being financially responsible. That’s because people who try to save a few bucks by not buying insurance can quickly end up in severe financial distress if bad luck befalls them. The trouble is, for a lot of folks, buying insurance can be a complicated endeavor. Continue reading 18 Tips to Consider Before Buying Auto, Home & Life Insurance Keep it simple, Stupid. That’s something we’ve all been told at one time or another, for any variety of reasons. That’s usually sage advice — especially when it comes to managing your personal finances. There’s no need to make things complicated. Generally speaking, remember: Minimize or eliminate impulse purchases. Continue reading 100 Words On: Why It Pays to Keep It Simple, Stupid This is another post in an occasional series from my dear nonagenarian Aunt Doris. Winston Churchill saluting the Germans during WWII. As I’ve said before, the English and Americans do have their differences. One day, when I was 89-years-old and recovering in the hospital from knee surgery, I noticed an older gentleman using a walker who was passing by my room. Thinking he had the same operation as me I called out, Continue reading A Few Thoughts from Aunt Doris: The Two-Fingered Salute There’s nothing worse than being stuck in a rut. When it happens, the quickest remedy is to try and think unconventionally. The trouble is, for most of us, outside-the-box thinking can be extremely difficult. True, thinking outside the box can get you into trouble: consider James Franco hosting the 2011 Academy Awards, for instance. But when it works, folks, it’s magic. After all, I think we can all agree that the guy who Continue reading 4 Frugal But Unconventional Dining Spots Most People Overlook 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. Here’s what caught my attention over the past week… Happy Presidents’ Day folks! I’ll spare you my witty repartee this week on the blog articles, only because I’m short of time this weekend and — believe Continue reading Black Coffee: Deadbeat American Presidents and the Trouble with Kids Today It’s not unusual for budding entrepreneurs to fret over the best time to start a new business, especially during economic downturns when even the most self-assured impresarios often become paralyzed with doubt. They shouldn’t. After all, there are advantages to starting during tough times including reduced competition for top talent, and lower rent and overhead costs. A study by the Kauffman Foundation found that more than half of all Fortune Continue reading 100 Words On: The Best Time to Start a New Business Neal Frankle is a CFP in Los Angeles and the owner of Wealth Pilgrim, one of my all-time favorite personal finance blogs. His most recent post is his Prosper Review. Most personal finance bloggers extol the virtues of frugality and I’m normally among them. It’s true. People generally get wealthy (and more importantly stay wealthy) because they learn to live well below their means. But sometimes, it makes a lot of sense Continue reading 3 Personal Finance Instances When Deficit Spending Is a Good Idea I’ve always enjoyed writing, but without you, the truth is I’d just be wasting my time. Which is why I am very happy to report that Len Penzo dot Com just crossed the two-million page view mark! Hooray! When I surpassed the one-million page views milestone last July, I mentioned that I never imagined reaching such a mark, considering that Len Penzo dot Com had received only 13,000 page views nine Continue reading Another Milestone: Celebrating Two-Million Page Views! In 2004 my gross annual income crossed the magical $100,000 benchmark for the first time. Reaching that milestone became a personal goal after graduating with an electrical engineering degree in 1988 and taking my first job at a salary of $31,000. At the time, I figured that once I was earning $100,000 per year, I’d be set for life, and able to buy whatever I wanted, whenever I wanted it. The funny Continue reading Time for a New Income Benchmark: $100,000 Ain’t What It Used to Be |
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Black Coffee: Big Oil, Big Shots, Spanglish, and Cheap Engagement Rings
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. Here’s what caught my attention over the past week…
Yes, I am one of the few bloggers who are actually open for business over the weekend.
Blogs I’ve Been Following This Week
Sweating the Big Stuff – The
Continue reading Black Coffee: Big Oil, Big Shots, Spanglish, and Cheap Engagement Rings