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The offbeat personal finance blog for responsible people.

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Black Coffee: Wall Street and the New York State of Mind

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 we go ... Credits and ...

Continue reading Black Coffee: Wall Street and the New York State of Mind

November 21, 2015

Buyer Beware: 12 Things You Should Never Buy On Black Friday

By Len Penzo

While millions of shoppers will be out on Black Friday taking advantage of some really spectacular deals on everything from electronics and jewelry to even wine and automobiles, there are some items that will only see minor discounts -- or no ...

Continue reading Buyer Beware: 12 Things You Should Never Buy On Black Friday

November 18, 2015

Black Coffee: More Proof There’s No Such Thing as a Free Lunch

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'm still recovering from a business ...

Continue reading Black Coffee: More Proof There’s No Such Thing as a Free Lunch

November 14, 2015

Black Coffee: No, You’re Not Going Crazy — I Am

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... And away we go ... Credits and Debits Credit: This week the media were celebrating the best employment figures of the year, thanks to a nonfarm payrolls report that showed 271,000 new ...

Continue reading Black Coffee: No, You’re Not Going Crazy — I Am

November 7, 2015

Unlike Gen X, the Millennials Think College Is Still Worth It

By Sabado Domingo

Millennials may be paying out a lot more for college and racking up record student debt -- but they don't seen to mind, if the latest market research of 500 university graduate students by Credit Sesame is any indication. Even though the cost of ...

Continue reading Unlike Gen X, the Millennials Think College Is Still Worth It

November 3, 2015

Black Coffee: The Halloween 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. Let's get right to it this week ...

Continue reading Black Coffee: The Halloween Edition

October 31, 2015

Black Coffee: The Winners and Losers 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. Well ... I was out of town most of ...

Continue reading Black Coffee: The Winners and Losers Edition

October 24, 2015

Black Coffee: Zombies, Candid Central Bankers & Other Scary Things

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 we go ... Credits and ...

Continue reading Black Coffee: Zombies, Candid Central Bankers & Other Scary Things

October 17, 2015

Black Coffee: The Ripley’s ‘Believe It Or Not’ 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. Let's get right to it ... Credits ...

Continue reading Black Coffee: The Ripley’s ‘Believe It Or Not’ Edition

October 10, 2015

Black Coffee: There Are No Markets Anymore, Just Interventions

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... And away we go ... Credits and Debits Credit: After diving 250 points at the opening bell on Friday -- thanks to a very ugly September jobs report -- the Dow shook off the news and ...

Continue reading Black Coffee: There Are No Markets Anymore, Just Interventions

October 3, 2015

Black Coffee: The Piper, the Pope, and the Unholy Trinity

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 was out of town all week, so I've ...

Continue reading Black Coffee: The Piper, the Pope, and the Unholy Trinity

September 26, 2015

Black Coffee: The Fed’s Credibility Gap Is Wider than the Grand Canyon

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. Apparently, I'm not the only one who ...

Continue reading Black Coffee: The Fed’s Credibility Gap Is Wider than the Grand Canyon

September 19, 2015

12 Ways to Help Prepare Your Kid for the Real World (Part 2)

By Mikey Rox

This is the second half of a two-part article. If you missed Part 1, click here. Goal Setting & Achievement But what a lot of people get wrong here is setting goals that are too broad or completely unrealistic; it's a setup for failure when ...

Continue reading 12 Ways to Help Prepare Your Kid for the Real World (Part 2)

September 18, 2015

How I Was Bitten by the Expiring Reward Points Scam

By Len Penzo

Life is full of hassles. Some are really big, like losing a job. Others are more of an annoyance, like changing your place of residence. Then there are the really irritating ones that make you scratch your head and throw your hands up in complete ...

Continue reading How I Was Bitten by the Expiring Reward Points Scam

September 14, 2015

Black Coffee: No, It’s Not Different This 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. Let's get right to it ... Credits ...

Continue reading Black Coffee: No, It’s Not Different This Time

September 12, 2015

Black Coffee: The Labor Day Edition

By Len Penzo

It's time to sit back, relax and enjoy a little joe ... If you live in the US, I hope you're enjoying the long holiday weekend! Okay, off we go ... Credits and Debits Debit: Labor Day is finally here, but with a record 94 million ...

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September 5, 2015

Comparing a 2008 Camry to a New One: Which Car Is the Better Deal?

By Len Penzo

Ah, yes. I remember when I took the plunge and bought a new car of my very own for the first time. I also remember getting an earful from many of my readers after I wrote about it. Of course, I should have expected it; most of my readers are ...

Continue reading Comparing a 2008 Camry to a New One: Which Car Is the Better Deal?

September 2, 2015

Black Coffee: So, Where Did All of the Buy-and-Hold Investors Go?

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 ...

Continue reading Black Coffee: So, Where Did All of the Buy-and-Hold Investors Go?

August 29, 2015

Black Coffee: It’s Time to Set Your Financial Doomsday Clocks

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, off we go ... Credits and ...

Continue reading Black Coffee: It’s Time to Set Your Financial Doomsday Clocks

August 22, 2015

Black Coffee: A Few Economic Gravity Lessons from a Super Genius

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 ...

Continue reading Black Coffee: A Few Economic Gravity Lessons from a Super Genius

August 15, 2015

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