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The offbeat personal finance blog for responsible people.

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Black Coffee: Red Ink and Blue Wire

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. Okay, away we go ... "With the ...

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November 17, 2018

What You Need to Know Before Hiring a Concrete Contractor

By Enero Febrero

If you're like most people, you may have the perception that a contractor may be expensive. You may be thinking that it would be nice to not have to do something yourself, but is it actually worth the money to pay the contractor? Thankfully, there ...

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November 16, 2018

Grandfather Says: Recipes, Recipes, Recipes!

By RD Blakeslee

Approximately two hours of his day (mealtime) are hostage to food preparation recipes. That's mostly good; cooks like to do well for their diners. But Grandfather says just look at how many vittles mixer-upper publications are in his ...

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November 15, 2018

The Stock Market: A Brief History and Its Impact on National Economies

By Tex Freitag

It doesn't matter whether you are interested in how a country's economy works or not, one way or another, the term "stock market" might have made its way to your ear. If you haven't heard about it, then the simple way to define the stock market is: ...

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November 14, 2018

4 Things You Need To Know About Car Title Loans

By Enero Febrero

Before getting into the nitty-gritty details of car title loans, we must first understand what a title loan is. A title loan is a loan where the owner of an asset gives the title to a creditor who lends him money in exchange. The giving of the title ...

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November 13, 2018

My Margarine Taste Test: Which Brand Tastes Most Like Butter?

By Len Penzo

Did you know margarine was invented in 1869 after a challenge from Emperor Louis Napoleon III, who was looking for a satisfactory low-cost substitute for butter that could be used by commoners and his military? It was. Over the years, butter ...

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November 12, 2018

Black Coffee: Rich Men, Poor Men

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. Let's get right to it this week ... "If ...

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November 10, 2018

Grandfather Says: The Veterans’ List

By RD Blakeslee

Grandfather says he is a veteran, and his son served during Desert Storm. With the help of the local newspaper, Grandfather compiled a list of veterans of World War I, World War II, the Korean War, and the Vietnam War. Many of the letters that ...

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November 8, 2018

A Few Thoughts from Aunt Doris: The Gift of Laughter

By Aunt Doris

I do love to laugh. Even as a kid, any crying always ended in laughing. In this day and age of complaining, protesting and general worry, it's what we all need. It can help in the most dire of times. In World War II, during the bombing of ...

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November 7, 2018

Black Coffee: Is Inflation Coming Like a Thief In the Night?

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. We've got a lot to cover this week, so ...

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November 3, 2018

Here’s a Look at Two Ways to Secure Home Financing

By Sabado Domingo

If you're thinking of buying a home, you will have to make sure you consider different financing options. This is one aspect you shouldn't take lightly, as homes aren't cheap. In fact, as the property market continues to reel from the effects of a ...

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November 2, 2018

100 Words On: Confusing Equal Opportunity with Equal Outcome

By Len Penzo

Like it or not, some Americans will always have to work harder than others to succeed. The economist Milton Friedman noted that the word "fair" isn't in the Declaration of Independence, Constitution, or the Bill of Rights; those documents do, ...

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November 1, 2018

5 Affordable Yet Elegant Bathroom Designs

By Enero Febrero

Bathroom design and remodeling is trending on the Internet these days. Believe it or not, the bathroom is actually a part of the home that says more about your lifestyle and personality than what a living room decor or new car can tell people. With ...

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October 31, 2018

3 Surprises To Watch Out For When Paying for Long-Term Care

By Enero Febrero

More than 70% of Americans over the age of 65 will need long-term health care services, according to the US Department of Health and Human Services. Yet, according to the Employee Benefit Research Institute, only 13% of those who received ...

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October 30, 2018

The 5 Worst US State Quarter Designs

By Len Penzo

It's hard to believe, but ten years has passed since the US Mint's very successful 50 State Quarters program ended. The program was a 10-year initiative that honored each of the nation's states in the order that they ratified the US Constitution or ...

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October 29, 2018

Black Coffee: A Scary Look at the Fed’s Frankenstein Economy

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. Okay ... and with that, let's get to it ...

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October 27, 2018

How to Save Money When Popping The Big Question

By Len Penzo

When it comes to engagement rings, making a choice on where to buy can be an extremely tough decision. With so many companies out there, the first step of the diamond buying experience can seem more daunting than the actual proposal. Not to mention, ...

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October 26, 2018

100 Words On: When High Car Insurance Deductibles Make Sense

By Len Penzo

While most people strive to keep their car insurance deductibles as low as possible, the downside is those deductibles result in higher premiums. But for folks who drive limited miles, safe motorists, and those who drive older vehicles that have lost ...

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October 25, 2018

Is Autopaying Your Bills Really a Good Idea?

By Tex Freitag

Signing up to pay bills with automatic payments can be a smart move if its handled properly. But there are also some pitfalls because, like many things in life, auto payments can be risky. Let's explore why that's true. Among the advantages ...

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October 24, 2018

7 Tips for Safely Storing Valuables In Your Home

By Sabado Domingo

Many people struggle with keeping their personal items safe while they're on vacation. And, believe it or not, there are just as many people out there who are uncomfortable hiding valuables in their home. Although this may seem like a tricky ...

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October 23, 2018

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