{"id":65648,"date":"2021-03-20T02:15:39","date_gmt":"2021-03-20T09:15:39","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=65648"},"modified":"2021-03-22T20:48:54","modified_gmt":"2021-03-23T03:48:54","slug":"black-coffee-20-mar-2021","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id65648-black-coffee-20-mar-2021.html","title":{"rendered":"Black Coffee: The Con Game Continues"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-51224\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2018\/10\/hurricane-flags.jpg\" alt=\"\" width=\"250\" height=\"240\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2018\/10\/hurricane-flags.jpg 404w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2018\/10\/hurricane-flags-300x287.jpg 300w\" sizes=\"auto, (max-width: 250px) 100vw, 250px\" \/><em>It&#8217;s time to sit back, relax and enjoy a little joe<\/em> &#8230;<\/p>\n<p>Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what&#8217;s been going on in the world of money and personal finance.<\/p>\n<p>Today is <a href=\"https:\/\/en.wikipedia.org\/wiki\/National_Corndog_Day\" target=\"_blank\" rel=\"noopener\">National Corn Dog Day<\/a>. Hooray!<\/p>\n<p>And with that, let&#8217;s get right to this week&#8217;s commentary &#8212; because I&#8217;m getting hungry &#8230;<\/p>\n<blockquote><p><em>The hardest thing to explain is the glaringly evident which everybody has decided not to see.<\/em><\/p><\/blockquote>\n<p style=\"text-align: right;\"><strong>&#8212; Ayn Rand<\/strong><\/p>\n<blockquote><p><em>The key is not to predict the future, but to prepare for it.<\/em><\/p><\/blockquote>\n<p style=\"text-align: right;\"><strong>&#8212; Pericles<\/strong><\/p>\n<p><strong>Credits and Debits<\/strong><\/p>\n<p><span style=\"color: #008000;\"><strong>Credit:<\/strong><\/span> Did you see this? The editorial board at the hoary <em>Financial Times<\/em> decided to feature an opinion piece this week calling for &#8220;<a href=\"https:\/\/www.ft.com\/content\/39c53b9f-f443-4dde-9cdb-07e8999ec783?ftcamp=traffic\/partner\/feed_headline\/us_yahoo\/auddev\" target=\"_blank\" rel=\"noopener\">a great reset<\/a> of the financial system&#8221; via a new monetary system tied to &#8220;some form of anchor.&#8221; Yes, <em><strong>that<\/strong><\/em> <em>Financial Times<\/em>. Anyway &#8230; until it happens, the bankers&#8217; fraudulent immoral money game will continue.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-65704\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Banker-scam-1024x675.png\" alt=\"\" width=\"534\" height=\"352\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Banker-scam-1024x675.png 1024w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Banker-scam-300x198.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Banker-scam-768x506.png 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Banker-scam-1536x1012.png 1536w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Banker-scam.png 1728w\" sizes=\"auto, (max-width: 534px) 100vw, 534px\" \/><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Debit:<\/strong><\/span> Before you get too excited believing that the world has finally come to its senses, the <em>FT<\/em> hasn&#8217;t <em><strong>completely<\/strong><\/em> reformed itself; when it comes to anchor candidates, they only suggest <a href=\"https:\/\/www.investopedia.com\/terms\/s\/sdr.asp\" target=\"_blank\" rel=\"noopener\">more fiat trash such as the SDR<\/a>, or a &#8220;central electronic currency.&#8221; Apparently, the <em><strong>ultimate<\/strong><\/em> monetary-system anchor &#8212; gold &#8212; never crossed their mind. Heh. They&#8217;ll figure it out. Eventually. After all, even the <em>Babylon Bee<\/em> gets it. Well &#8230; almost:<\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">Biden Unveils Ambitious Plan To Pay National Debt By Capturing A Leprechaun And Using His Gold <a href=\"https:\/\/t.co\/4zodu9WUz6\">https:\/\/t.co\/4zodu9WUz6<\/a><\/p>\n<p>The Babylon Bee (@TheBabylonBee) <a href=\"https:\/\/twitter.com\/TheBabylonBee\/status\/1372305458556510211?ref_src=twsrc%5Etfw\">March 17, 2021<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><span style=\"color: #008000;\"><strong>Credit:<\/strong><\/span> Meanwhile, the always-astute financial commentator, MN Gordon, recently lamented that, &#8220;Fiscal stimulus, including the latest $1.9 trillion American Rescue Plan Act, is a terrible joke. And the means for financing it is <a href=\"https:\/\/economicprism.com\/fifty-basis-points-to-disaster\/\" target=\"_blank\" rel=\"noopener\">a terrible fraud<\/a>. A massive deficit, piled upon a mammoth debt, made possible by dollar debasement.&#8221; That it is. The good news is even the <em>Financial Times<\/em> can now see this. The bad news is they still don&#8217;t understand how to stop it from ever happening again.<\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">FOMC: We will buy $120 Billion in bonds a month until the economy reaches full employment.<\/p>\n<p>R: What does one have to do with the other?<\/p>\n<p>FOMC: Do you have a PhD?<\/p>\n<p>R: All that bond buying does is enrich firms like Blackrock &amp; Pimco.<\/p>\n<p>FOMC: Where do you think we all want to work?<\/p>\n<p>Rudy Havenstein, Spacey And Shakin&#8217; (@RudyHavenstein) <a href=\"https:\/\/twitter.com\/RudyHavenstein\/status\/1341577351872749568?ref_src=twsrc%5Etfw\">December 23, 2020<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Debit:<\/strong><\/span> Of course, taxation <em><strong>used to be<\/strong><\/em> the primary way for nations to fund their expenditures. To that aim, the US is planning <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2021-03-15\/biden-eyes-first-major-tax-hike-since-1993-in-next-economic-plan\" target=\"_blank\" rel=\"noopener\">the largest tax hikes<\/a> since 1993, which will include raising the corporate tax rate to 28% from 21%, and lowering the threshold on the so-called death tax. Needless to say, the big question for many Americans with retirement accounts will be the effect of those higher taxes on the markets.<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Debit:<\/strong><\/span> On the other hand, with the year-over-year deficit now <a href=\"https:\/\/www.ai-cio.com\/in-focus\/market-drilldown\/jeffrey-gundlach-gets-ready-higher-rates\/\" target=\"_blank\" rel=\"noopener\">exceeding 100% of revenue<\/a>, and more than 80% of the US budget funded directly via money printing now: Why bother with taxes at all?<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-65664\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Deficit-Pct-of-Receipts-985x1024.png\" alt=\"\" width=\"534\" height=\"555\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Deficit-Pct-of-Receipts-985x1024.png 985w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Deficit-Pct-of-Receipts-289x300.png 289w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Deficit-Pct-of-Receipts-768x798.png 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Deficit-Pct-of-Receipts.png 1114w\" sizes=\"auto, (max-width: 534px) 100vw, 534px\" \/><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Debit:<\/strong><\/span> In the meantime, free-spending politicians will corner their compliant central banks into printing even <em><strong>more<\/strong><\/em> currency to cover the bills and keep interest rates pinned near zero. In fact, the ECB said it would be <a href=\"https:\/\/finance.yahoo.com\/news\/ecb-signals-faster-money-printing-130134798.html\" target=\"_blank\" rel=\"noopener\">accelerating the money-printing<\/a> to keep a lid on euro zone borrowing costs &#8220;to promote an economic recovery.&#8221; I know; clearly, something got lost in translation. I&#8217;m sure the ECB <em><strong>actually<\/strong><\/em> said, &#8220;to finish destroying the euro and kill capitalism.&#8221;<\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">We injected so much liquidity causing yields to rise faster than we expected which threatens the viability of our risk free rate valuation balloon hence our best course of action is to add even more liquidity at a faster pace.<\/p>\n<p>We are from the <a href=\"https:\/\/twitter.com\/ecb?ref_src=twsrc%5Etfw\">@ECB<\/a> &amp; we are here to help.<\/p>\n<p>Sven Henrich (@NorthmanTrader) <a href=\"https:\/\/twitter.com\/NorthmanTrader\/status\/1370365589886222336?ref_src=twsrc%5Etfw\">March 12, 2021<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Debit:<\/strong><\/span> It&#8217;s not just higher taxes that are threatening to pop the stock market bubble; the rising 10-year Treasury yield is now 1.73%. There&#8217;s <a href=\"https:\/\/markets.businessinsider.com\/news\/stocks\/stock-market-outlook-nasdaq-tech-decline-rising-interest-rates-2021-3-1030174579\" target=\"_blank\" rel=\"noopener\">little room for error<\/a> according to yet another estimate from a Wall St. firm; this latest one says a 2% yield will trigger a 20% decline in the Nasdaq &#8212; followed by stock markets worldwide. The good news is last month we were told the doomsday number was 1.46%. And the month before <em><strong>that<\/strong><\/em> it was 1.35%. Heck &#8230; it&#8217;s hard to know <em><strong>what<\/strong><\/em> to believe anymore:<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/NpVTP41Tpqc?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><span style=\"color: #008000;\"><strong>Credit:<\/strong><\/span> Then again, maybe not. As investment planner Michael Lebowitz points out, &#8220;Looking back over the past 40 years reveals <a href=\"https:\/\/realinvestmentadvice.com\/what-interest-rate-triggers-the-next-crisis\/\" target=\"_blank\" rel=\"noopener\">a troubling problem<\/a>. Every time interest rates reach the upper end of its downward trend, a financial crisis of sorts occurred. The current one-year change in the proxy interest expense on all debt is up 3.5% from a year ago. The last two significant crises happened when that proxy rose between 3% to 4%.&#8221; Indeed. See for yourself:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-65665\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/RATES-RISING-CRISES-1977-2021-1024x649.png\" alt=\"\" width=\"535\" height=\"339\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/RATES-RISING-CRISES-1977-2021-1024x649.png 1024w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/RATES-RISING-CRISES-1977-2021-300x190.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/RATES-RISING-CRISES-1977-2021-768x487.png 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/RATES-RISING-CRISES-1977-2021.png 1438w\" sizes=\"auto, (max-width: 535px) 100vw, 535px\" \/><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Debit:<\/strong><\/span> Now for the punchline: Lebowitz also warns that, &#8220;If the 10-year Treasury yield <a href=\"https:\/\/www.marketwatch.com\/story\/no-peace-for-markets-until-10-year-treasury-yield-hits-2-strategist-says-11615577089\" target=\"_blank\" rel=\"noopener\">increases to 2.0%<\/a> by May, the proxy will increase to 5.25%; that&#8217;s well above the 4.0% that popped the Dot Com and housing bubbles.&#8221; Uh oh.<\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">this macro stuff is really confusing <a href=\"https:\/\/t.co\/HikE7eIGPe\">pic.twitter.com\/HikE7eIGPe<\/a><\/p>\n<p>StockCats (@StockCats) <a href=\"https:\/\/twitter.com\/StockCats\/status\/1372550326516080642?ref_src=twsrc%5Etfw\">March 18, 2021<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><span style=\"color: #008000;\"><strong>Credit:<\/strong><\/span> By the way, if markets <em><strong>do<\/strong><\/em> eventually fall, Daniel Lacalle says don&#8217;t blame rising rates &#8212; <a href=\"https:\/\/www.dlacalle.com\/en\/how-a-small-rise-in-bond-yields-may-create-a-financial-crisis\/\" target=\"_blank\" rel=\"noopener\">blame the Fed<\/a>: &#8220;There&#8217;s no problem with a 2% US 10-year bond yield in a normal growing economy with 2% inflation. But there <em><strong>are<\/strong><\/em> a lot of problems when markets base their valuations on inflationary policies <em><strong>not<\/strong><\/em> generating inflation. The risk of a financial crisis was created by lowering yields to unrealistic and unjustifiable levels.&#8221; Uh huh. Thanks, Fed.<\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">The U.S. continues to engage in extreme monetary and fiscal easing, leading to unprecedented Money Supply (M2) growth. As a result, investors must prepare for the biggest inflation scare since the late 1970s early 1980s. <a href=\"https:\/\/t.co\/MUZcYUjBWt\">pic.twitter.com\/MUZcYUjBWt<\/a><\/p>\n<p>Steve Hanke (@steve_hanke) <a href=\"https:\/\/twitter.com\/steve_hanke\/status\/1372631391595163651?ref_src=twsrc%5Etfw\">March 18, 2021<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-65722\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/hedonic-adjustment-tweet-1024x715.png\" alt=\"\" width=\"533\" height=\"372\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/hedonic-adjustment-tweet-1024x715.png 1024w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/hedonic-adjustment-tweet-300x210.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/hedonic-adjustment-tweet-768x536.png 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/hedonic-adjustment-tweet.png 1108w\" sizes=\"auto, (max-width: 533px) 100vw, 533px\" \/><\/p>\n<p><span style=\"color: #ff0000;\"><strong>Debit:<\/strong><\/span> Frankly, whatever the fateful rate for crashing these markets is, <a href=\"https:\/\/news.bitcoin.com\/the-fed-is-trapped-erratic-bond-markets-exhausted-supplies-analyst-says-tsunami-of-treasury-issuances-underway\/\" target=\"_blank\" rel=\"noopener\">neither the ECB or the Fed have a choice<\/a> when it comes to printing money because they&#8217;ve now effectively tied their respective currencies to market asset values. If rates increase too much, the economy will plunge into a depression of historic proportions. But if they continue printing, they&#8217;ll eventually destroy the dollar in a hyperinflationary supernova. Conclusion: ThE paRtY wiLL cOnTiNuE!!!<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/u196yHvR8K8?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">No, this is not sarcasm. Up is down. Right is left. Black is white. <a href=\"https:\/\/t.co\/02WjXfWniF\">https:\/\/t.co\/02WjXfWniF<\/a><\/p>\n<p>Len Penzo (@LenPenzo) <a href=\"https:\/\/twitter.com\/LenPenzo\/status\/1372990975618912258?ref_src=twsrc%5Etfw\">March 19, 2021<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><span style=\"color: #008000;\"><strong>Credit:<\/strong><\/span> This week, macroeconomic analyst Peter Schiff warned that, &#8220;the market believes the Fed can keep inflation under control. But the markets are wrong; the Fed isn&#8217;t even going to attempt to fight inflation. It&#8217;s going to surrender. <a href=\"https:\/\/schiffgold.com\/interviews\/peter-schiff-the-fed-will-wave-the-white-flag-at-inflation\/\" target=\"_blank\" rel=\"noopener\">Inflation is going to win<\/a> without a fight &#8212; then the bottom will fall out of the dollar and gold is going through the roof.&#8221; If he&#8217;s correct, that&#8217;s when we&#8217;ll finally get that much-needed monetary reset that even the <em>Financial Times<\/em> is suddenly clamoring for.<\/p>\n<p><strong>By the Numbers<\/strong><\/p>\n<p>According to a recent survey, here are the top items that Americans said they plan to spend their third stimulus checks on:<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>5%<\/strong><\/span><\/span> Vacation<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>6%<\/strong><\/span><\/span> Stocks<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>8%<\/strong><\/span><\/span> Clothes<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>9%<\/strong><\/span><\/span> Healthcare<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>11%<\/strong><\/span><\/span> Home improvement<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>18%<\/strong><\/span><\/span> Credit card debt<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>22%<\/strong><\/span><\/span> Housing<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>30%<\/strong><\/span><\/span> Food<\/p>\n<p><span style=\"color: #0000ff;\"><span style=\"font-size: x-large;\"><strong>34%<\/strong><\/span><\/span> Savings<\/p>\n<p><em>Source: <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2021-02-11\/stimulus-checks-americans-plan-to-save-not-spend-covid-relief-money\" target=\"_blank\" rel=\"noopener\">Bloomberg<\/a><\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-65707\" src=\"http:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Stimulus-silver-1024x1012.png\" alt=\"\" width=\"534\" height=\"528\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Stimulus-silver-1024x1012.png 1024w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Stimulus-silver-300x297.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Stimulus-silver-768x759.png 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2021\/03\/Stimulus-silver.png 1062w\" sizes=\"auto, (max-width: 534px) 100vw, 534px\" \/><\/p>\n<p><strong>The Question of the Week<\/strong><\/p>\n<p><code>[poll id=\"364\"]<\/code><\/p>\n<p><strong>Last Week&#8217;s Poll Result<\/strong><\/p>\n<p>Are you planning any leisure travel this summer?<\/p>\n<ul>\n<li>Yes, domestic (58%)<\/li>\n<li>No (35%)<\/li>\n<li>Yes, foreign (5%)<\/li>\n<li>Yes, foreign and domestic (2%)<\/li>\n<\/ul>\n<p>More than 2300 Len Penzo dot Com readers answered last week&#8217;s poll question and it turns out that 65% of them are planning at least <strong><em>some<\/em><\/strong> leisure travel this summer. It&#8217;s nice to see some semblance of normality returning to the world!<\/p>\n<p>If <em><strong>you<\/strong><\/em> have a question you&#8217;d like to see featured here, please send it to me at <strong>Len@LenPenzo.com<\/strong> and be sure to put &#8220;Question of the Week&#8221; in the subject line.<\/p>\n<p><strong>Useless News: Drinking Games<\/strong><\/p>\n<p>Two men were drinking in a bar at the top of the Empire State Building. The first drinker said to the other, &#8220;You know, last week I discovered that if you jump off the top of this building, by the time you fall to the tenth floor, the winds around the building are so intense that they actually carry you around the building and back into the window.&#8221;<\/p>\n<p>The bartender just shook his head in disapproval while wiping the bar.<\/p>\n<p>The second guy wasn&#8217;t having any of that story either. &#8220;You&#8217;re a crazy fool!&#8221; he said, &#8220;There&#8217;s no way that could ever happen.&#8221;<\/p>\n<p>&#8220;But it&#8217;s true!&#8221; implored the first man. &#8220;Let me show you.&#8221; So the first man got off his barstool, staggered to the balcony, and then tossed himself over the ledge to the street below. Sure enough &#8212; when he passed the tenth floor, the high wind whipped him around the building and back into the tenth-floor window. The guy then took the elevator back up to the bar.<\/p>\n<p>The second guy then said to the first, &#8220;You know, I saw that with my own eyes. That was absolutely incredible! But it had to have been a fluke!&#8221;<\/p>\n<p>&#8220;Not a fluke at all!&#8221; said the first guy. &#8220;Here &#8230; I&#8217;ll prove it.&#8221; So once again, the first man staggered to the balcony and jumped off the ledge, hurling himself toward the street where the tenth-floor wind gently carried him around the building and into the window. Upon reaching the top floor bar, the first man urged his fellow drinker to try it for himself.<\/p>\n<p>&#8220;Well what the hell!&#8221; said the second guy. &#8220;It works &#8212; and I&#8217;m going to try it!&#8221; And with that, the second man jumped over the balcony, plunging toward the earth at a rapid rate of speed. He found himself passing the eleventh floor. Then the tenth, ninth, and eighth floors. Two seconds later he hit the sidewalk with an awful splat.<\/p>\n<p>Meanwhile, back upstairs the bartender turned to the other drinker and said, &#8220;You know, Superman &#8212; you&#8217;re a real jerk when you&#8217;re drunk.&#8221;<\/p>\n<p><em>(h\/t: Frank W.)<\/em><\/p>\n<p><strong>More Useless News<\/strong><\/p>\n<p>I currently have <strong>13<\/strong> followers at Gab. Hooray! Now that I&#8217;m in double digits, here&#8217;s hoping you can help me get into the twenties soon!<\/p>\n<blockquote class=\"twitter-tweet\">\n<p dir=\"ltr\" lang=\"en\">Free speech lovers &#8230; you can join me at Gab. <a href=\"https:\/\/t.co\/XRrdR4rSLO\">https:\/\/t.co\/XRrdR4rSLO<\/a> <a href=\"https:\/\/t.co\/2DaJ4G3Gvs\">pic.twitter.com\/2DaJ4G3Gvs<\/a><\/p>\n<p>Len Penzo (@LenPenzo) <a href=\"https:\/\/twitter.com\/LenPenzo\/status\/1348667381804015616?ref_src=twsrc%5Etfw\">January 11, 2021<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><strong>Other Useless News<\/strong><\/p>\n<p>Here are the top &#8212; and bottom &#8212; five Canadian provinces and territories in terms of the average number of pages viewed per visit here at Len Penzo dot Com over the past 30 days:<\/p>\n<p>1. Alberta (1.87 pages\/visit)<br \/>\n2. Ontario (1.82)<br \/>\n3. Saskatchewan (1.80)<br \/>\n4. Manitoba (1.74)<br \/>\n5. Newfoundland &amp; Labrador (1.64)<\/p>\n<p>9. Quebec (1.52)<br \/>\n10. British Columbia (1.45)<br \/>\n11. Prince Edward Island (1.44)<br \/>\n12. New Brunswick (1.33)<br \/>\n13. Yukon (1.25)<\/p>\n<p>Whether you happen to enjoy what you&#8217;re reading (like those crazy canucks in Alberta, eh) &#8212; or not (ahem, all you hosers living on the frozen Yukon tundra) &#8212; please don&#8217;t forget to:<\/p>\n<p>1. Click on that <strong>Like<\/strong> button in the sidebar to your right and <a href=\"http:\/\/www.facebook.com\/LenPenzo\">become a fan of Len Penzo dot Com on Facebook<\/a>!<\/p>\n<p>2. Make sure you follow me on my new favorite quick-chat site, <strong><a href=\"https:\/\/gab.com\/LenPenzo\" target=\"_blank\" rel=\"noopener\">Gab<\/a><\/strong> &#8212; oh yeah, <a href=\"https:\/\/parler.com\/LenPenzo\" target=\"_blank\" rel=\"noopener noreferrer\">and Parler<\/a> too! Of course, you can always <a href=\"http:\/\/twitter.com\/LenPenzo\">follow me on Twitter<\/a> too. Just be careful what you say there.<\/p>\n<p>3. <a href=\"mailto:lenpenzolist@aweber.com\">Subscribe via email<\/a> too!<\/p>\n<p>And last, but not least &#8230;<\/p>\n<p>4. <em><strong>Please support this website by patronizing my sponsors!<\/strong><\/em><\/p>\n<p>Thank you!!!! &#128522;<\/p>\n<p><strong>Letters, I Get Letters<\/strong><\/p>\n<p>Every week I feature the most interesting question or comment &#8212; assuming I get one, that is. And folks who are lucky enough to have the only question in the mailbag get their letter highlighted here whether it&#8217;s interesting or not! You can reach me at: <strong>Len@LenPenzo.com<\/strong><\/p>\n<p>After reading this week&#8217;s story highlighting eight of the <a href=\"https:\/\/lenpenzo.com\/blog\/id35410-the-8-weirdest-insurance-fraud-claims-of-all-time-2.html\" target=\"_blank\" rel=\"noopener\">weirdest insurance claim frauds of all time<\/a>, <strong>JB<\/strong> had a special request:<\/p>\n<blockquote><p><em>Len, send me an email. I have a great idea to make some quick cash.<\/em><\/p><\/blockquote>\n<p><span style=\"color: #0000ff;\">First question: Have you been talking to any Nigerian princes lately?<\/span><\/p>\n<p>If you enjoyed this, please forward it to your friends and family. I&#8217;m Len Penzo and I approved this message.<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: stock photo<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s time to sit back, relax and enjoy a little joe &#8230; Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what&#8217;s been going on in the world of money and personal finance. Today is National Corn Dog Day. Hooray! And with that, let&#8217;s get right to this week&#8217;s commentary &#8212; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":51224,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[472],"tags":[],"class_list":{"0":"post-65648","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-commentary","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Black Coffee: The Con Game Continues<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id65648-black-coffee-20-mar-2021.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Black Coffee: The Con Game Continues\" \/>\n<meta property=\"og:description\" content=\"It&#8217;s time to sit back, relax and enjoy a little joe &#8230; Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what&#8217;s been going on in the world of money and personal finance. 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