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The offbeat personal finance blog for responsible people.

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Black Coffee: The Lost Fortunes of Yesterday, Today and Tomorrow

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 glorious week comes to an end. ...

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January 27, 2018

Black Coffee: Beware of Castles in the Air

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 ... "We spend too ...

Continue reading Black Coffee: Beware of Castles in the Air

January 20, 2018

What is Director Disqualification and How Can You Avoid It?

By Sabado Domingo

The following guide is likely to be useful to those recently promoted to the position of Company Director of a business, or directors who want more information about their rights. Director disqualification happens when directors are reported as unfit ...

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January 19, 2018

The Pros and Cons of Automated Trading

By Tex Freitag

Auto trading, otherwise known as automated trading, algorithmic trading, or mechanical trading, allows traders to program specific rules into the trading platform through a computer. Entry and exit rules can be formulated according to simple ...

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January 17, 2018

Black Coffee: Burning Down the House

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 ...

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January 13, 2018

Simple Tips to Make You a More Successful Forex Trader

By Sabado Domingo

Like Texas Hold 'Em poker, forex trading has sometimes been described as a game that takes minutes to learn but years to master. And many feel that the gambling comparisons do not end there. With the increase of trading apps and web platforms ...

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January 12, 2018

Grandfather Says: MLK’s Dream

By RD Blakeslee

He imagined a man who walked about the country telling everyone he met: "I wish we could all live Martin Luther King's dream where we didn't see anyone's skin color anymore." Grandfather imagined the man started attracting the attention of the ...

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January 11, 2018

Stop Pouring Money Down the Drain: 9 Ways to Conserve Bathroom Water

By Chris Long

When you realize that half of a household's water usage occurs in the bathroom, and that greener versions of toilets and faucets -- like those found in new homes from green builders -- can save an average American family up to 11,000 gallons per ...

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January 10, 2018

How Banks Work (vs. How People Think They Work)

By Len Penzo

It is utterly amazing how many people still believe that when they deposit their cash at a bank, the money is dutifully socked away in the institution's vault, where the bank pays a small amount of interest for the privilege of storing that cash ...

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January 8, 2018

Black Coffee: America’s Exorbitant Privilege Faces Stiff Resistance

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. And away we go ... "The fact that ...

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January 6, 2018

6 Tips That Can Help You Avoid Pyramid Marketing Schemes

By Sabado Domingo

Pyramid schemes are in the news, with the recent lawsuit against LuLaRoe bringing fresh attention to the issue. If you're in the market for a side hustle or direct marketing opportunity, you need to be conscious of the difference between a legitimate ...

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January 5, 2018

Black Coffee: Which Way Will the Pendulum Swing in 2018?

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. Time has almost run out on 2017, so ...

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December 30, 2017

How to Get a Better Credit Score in Less Than 90 Days

By Sabado Domingo

Your credit score is more than just a three-digit number. It's also a measure of your financial health. A low credit score can make it harder to get approved for new loans or lines of credit. And if you do get approved, chances are you might get ...

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December 26, 2017

Black Coffee: The 12 Bubbles of Christmas Edition

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. Merry Christmas, everyone! Grab ...

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December 23, 2017

What is Tourism Marketing and How Can It Help My Business?

By Sabado Domingo

Is your business in the travel sector, offering experiences, or helping customers achieve the vacation of a lifetime? You would certainly benefit from specific tourism marketing -- but its methods aren't only useful for dedicated travel ...

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December 22, 2017

Here is Everything You Need to Know About the iPhone X

By Tex Freitag

If you're a fan of the iPhone line of smartphones, you may be asking yourself if you should upgrade to the iPhone 8, which looks and works like previous, or make the jump to the all-new iPhone X. There are reasons to hesitate before taking the ...

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December 19, 2017

Black Coffee: Why Every Day Is Christmas In and Around Washington, DC

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. Here's a friendly tip: If you're going ...

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December 16, 2017

Why I Love Christmas: A Guest Post from My Daughter, Nina

By Lenina Penzo

Readers: Today I'm digging into the archives to rerun this guest post from my daughter, Nina. She originally wrote the piece for me seven years ago, on December 24, 2010 -- back when she was just 11-years-old. I have to admit, rereading her ...

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December 15, 2017

5 Ways to Make Your Business Greener While Increasing Profits

By Enero Febrero

Most business owners and managers who have their eyes on the prize are well aware reducing the environmental impact of their business is one of the best things they can do. Business owners can respond flexibly to the demands of the changing planet. ...

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December 14, 2017

5 Strategies That Can Help Boost Your Business’s Profits

By Tex Freitag

When you own a business, there are plenty of reasons to stay motivated. Maybe you're developing a unique product, or perhaps you have an excellent team in place with whom you love spending time. However, the main motivation is profit. Without it, ...

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December 12, 2017

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