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LEN PENZO DOT COM
Personal Finance For Dummies: It’s as Easy as A-B-C. By Len Penzo. Most procrastinating high school and college literature students know that when they've put off their reading assignments to the point where they no longer have the time to actually IF YOU CAN’T LIVE ON $40,000 PER YEAR, IT’S YOUR OWN FAULT If you’re a household CEO who is successfully making ends meet on roughly $40,000 per year or less ($45,000 maximum, please) I’d love to hear from you. Contact me at Len@LenPenzo.com and be sure to put $40,000 in the subject line. If I publish your story, you’ll get a $25 gift card or an American Silver Eagle! Photo Credit: Hitchster. 25 EXAMPLES OF SHRINKFLATION THAT NO LONGER FOOL CONSUMERS Not too long ago I was preparing a recipe from an old cookbook that called for a couple of 7-ounce cans of tuna. After looking in the pantry, I was happy to see that I had exactly two cans of tuna — until I remembered that tuna was one of the many products affected by shrinking package sizes, thanks to manufacturers trying to maintain market share by keeping their product prices stable. LOST CHECKS: IS NOT STOPPING PAYMENT WORTH THE RISK? Now, assuming the checks were lost, we could notify the bank and issue a couple of stop payment orders — but I wasn’t convinced the checks were lost, which is why I was willing to take my chances and pass. Besides, at $20 per transaction, that was a lot of scratch to spend if we weren’t absolutely positive those checks were at risk of ECONOMIC COLLAPSE 101: TEN WAYS TO PREPARE FOR THE UNKNOWN Most folks are good about ensuring they have the proper amount of home, life & auto insurance. But when it comes to ensuring the survival of their family in rough economic times, well not so much. DEAR FRIEND: HERE ARE 41 REASONS WHY I’M NOT LENDING YOU I recently saw a curious article in the Huffington Post that attempted to explain why our friends often fail to repay money that they borrow from us. In a nutshell, the piece offered five reasons: You refuse to ask for the money back. You make it too easy for your friends toignore you.
THE 13 MOST IMPORTANT ITEMS EVERYONE SHOULD KEEP IN A If possible, keep them on electronic storage media like a thumb drive or CD. Safe deposit box keys. Not having access to your safety deposit box during an emergency is not only inconvenient, it can be costly, as the boxes will have to be forced open and replaced at your expense. Social security cards. A LOW COST WAY TO STAY CONNECTED TO YOUR KIDS WITHOUT CELL Cell phones are expensive. You’ve seen the upfront purchase price — an iPhone 6 with 64 GB is priced at $299. You’ve noticed the monthly contracts — you’ll pay anywhere from $40 to $90+ per person per month, depending on the carrier, number of minutes, and contract term. You’ve spotted the inevitable up-sells — cases,accessories
5 SIMPLE REASONS WHY YOU ALWAYS OWE TAXES (AND HOW TO If that sounds familiar, you’ll be interested to know about the five most common reasons you always owe taxes — and the steps you can take to ensure a refund next year. Not Enough Withheld on Your Paychecks. The main reason people never get a tax refund is simple: They don’t withhold enough cash from their paycheck. HOW TO MANAGE YOUR FINANCES DURING A DEPRESSION Don’t Panic! One of the hardest things to do during a recession is to remain calm. After all, no one likes to see the stock market plummet, interest rates hitting near zero, or a spike in unemployment. Yet, individuals who manage their finances successfully know not to panic during trying times just as they don’t get ahead of themselvesin
LEN PENZO DOT COM
Personal Finance For Dummies: It’s as Easy as A-B-C. By Len Penzo. Most procrastinating high school and college literature students know that when they've put off their reading assignments to the point where they no longer have the time to actually 25 EXAMPLES OF SHRINKFLATION THAT NO LONGER FOOL CONSUMERS Not too long ago I was preparing a recipe from an old cookbook that called for a couple of 7-ounce cans of tuna. After looking in the pantry, I was happy to see that I had exactly two cans of tuna — until I remembered that tuna was one of the many products affected by shrinking package sizes, thanks to manufacturers trying to maintain market share by keeping their product prices stable. IF YOU CAN’T LIVE ON $40,000 PER YEAR, IT’S YOUR OWN FAULT If you’re a household CEO who is successfully making ends meet on roughly $40,000 per year or less ($45,000 maximum, please) I’d love to hear from you. Contact me at Len@LenPenzo.com and be sure to put $40,000 in the subject line. If I publish your story, you’ll get a $25 gift card or an American Silver Eagle! Photo Credit: Hitchster. HOW TO MANAGE YOUR FINANCES DURING A DEPRESSION Don’t Panic! One of the hardest things to do during a recession is to remain calm. After all, no one likes to see the stock market plummet, interest rates hitting near zero, or a spike in unemployment. Yet, individuals who manage their finances successfully know not to panic during trying times just as they don’t get ahead of themselvesin
THE 13 MOST IMPORTANT ITEMS EVERYONE SHOULD KEEP IN A If possible, keep them on electronic storage media like a thumb drive or CD. Safe deposit box keys. Not having access to your safety deposit box during an emergency is not only inconvenient, it can be costly, as the boxes will have to be forced open and replaced at your expense. Social security cards. ECONOMIC COLLAPSE 101: TEN WAYS TO PREPARE FOR THE UNKNOWN Most folks are good about ensuring they have the proper amount of home, life & auto insurance. But when it comes to ensuring the survival of their family in rough economic times, well not so much. LOST CHECKS: IS NOT STOPPING PAYMENT WORTH THE RISK? Now, assuming the checks were lost, we could notify the bank and issue a couple of stop payment orders — but I wasn’t convinced the checks were lost, which is why I was willing to take my chances and pass. Besides, at $20 per transaction, that was a lot of scratch to spend if we weren’t absolutely positive those checks were at risk of A LOW COST WAY TO STAY CONNECTED TO YOUR KIDS WITHOUT CELL Cell phones are expensive. You’ve seen the upfront purchase price — an iPhone 6 with 64 GB is priced at $299. You’ve noticed the monthly contracts — you’ll pay anywhere from $40 to $90+ per person per month, depending on the carrier, number of minutes, and contract term. You’ve spotted the inevitable up-sells — cases,accessories
5 SIMPLE REASONS WHY YOU ALWAYS OWE TAXES (AND HOW TO If that sounds familiar, you’ll be interested to know about the five most common reasons you always owe taxes — and the steps you can take to ensure a refund next year. Not Enough Withheld on Your Paychecks. The main reason people never get a tax refund is simple: They don’t withhold enough cash from their paycheck. DEAR FRIEND: HERE ARE 41 REASONS WHY I’M NOT LENDING YOU I recently saw a curious article in the Huffington Post that attempted to explain why our friends often fail to repay money that they borrow from us. In a nutshell, the piece offered five reasons: You refuse to ask for the money back. You make it too easy for your friends toignore you.
HOW STAYING HEALTHY SAVES YOU MONEY One of the best ways to save money is by getting and staying healthy. The good news is that by following just a few simple practices, you can get healthy and save money in the process. THE RISE OF ‘MEME STOCKS’ AND WHAT IT MEANS FOR DAY In the midst of a global pandemic that has driven most of us indoors to the privacy and convenience of the couch in front of the TV for our entertainment fix, you’d be crazy to invest in a movie theatrecompany, right?
THE 13 MOST IMPORTANT ITEMS EVERYONE SHOULD KEEP IN A If possible, keep them on electronic storage media like a thumb drive or CD. Safe deposit box keys. Not having access to your safety deposit box during an emergency is not only inconvenient, it can be costly, as the boxes will have to be forced open and replaced at your expense. Social security cards. ECONOMIC COLLAPSE 101: TEN WAYS TO PREPARE FOR THE UNKNOWN Most folks are good about ensuring they have the proper amount of home, life & auto insurance. But when it comes to ensuring the survival of their family in rough economic times, well not so much. CALLING GEN Z: 4 KEY FINANCIAL TIPS YOU NEED TO KNOW With growing numbers of Gen Z now working and starting to plan for their future retirement, it's important for these twenty-somethings to know the best practices for securing a comfortable retirement. HOW MUCH GOLD AND SILVER SHOULD PEOPLE OWN? If the poo hits the fan, many things of tangible value that we take for granted, especially food items, cigarettes, alcohol, batteries, lighters, etc. will be worth a whole lot more than they are today. Although I could be wrong, I think the risk of a “Mad Max” scenario is low. While I believe there is a chance for a brief breakdown in supply chains, I think they will be temporary. 21 REASONS WHY CORNER LOTS ARE FOR SUCKERS For the six people left in America who are still looking to buy a home, I thought I’d pass on a little advice and save you a serious case of buyer’s remorse.. Don’t be fooled by real estate agents who try to tell you that a corner lot is highly desirable. They’renot.
WHAT IS DEBT CONSOLIDATION AND HOW CAN IT BENEFIT YOU If you have many loan payments you should know that it's possible to combine them and pay less by a common financing technique known as "loan consolidation." There are other helpful benefits as well. 10 REASONS WHY YOU DON’T NEED A COLLEGE DEGREE TO SUCCEED For your whole life you’ve been told that you won’t get very far without a college education. Well, I’m here to break your heart: they lied. Despite your youthful indoctrination to the contrary, here are some really good reasons why you don’t need a four-year crash course in sex, drinking, and a bunch of BS classes to make somethingout of yourself:
DVDS FROM HELL: HOW TO DEAL WITH UNSKIPPABLE TRAILERS The original cheesy movie trailer for the 1981 version of Clash of the Titans with Laurence Olivier, Ursula Andress and Harry Hamlin. (Yes, that Harry Hamlin. Now on DVD!) 8:41 p.m.: Commercial for The Clash of the Titans video game. (Must.LEN PENZO DOT COM
Personal Finance For Dummies: It’s as Easy as A-B-C. By Len Penzo. Most procrastinating high school and college literature students know that when they've put off their reading assignments to the point where they no longer have the time to actually HOW MUCH GOLD AND SILVER SHOULD PEOPLE OWN? If the poo hits the fan, many things of tangible value that we take for granted, especially food items, cigarettes, alcohol, batteries, lighters, etc. will be worth a whole lot more than they are today. Although I could be wrong, I think the risk of a “Mad Max” scenario is low. While I believe there is a chance for a brief breakdown in supply chains, I think they will be temporary. 5 SIMPLE REASONS WHY YOU ALWAYS OWE TAXES (AND HOW TO If that sounds familiar, you’ll be interested to know about the five most common reasons you always owe taxes — and the steps you can take to ensure a refund next year. Not Enough Withheld on Your Paychecks. The main reason people never get a tax refund is simple: They don’t withhold enough cash from their paycheck. HOW TO MANAGE YOUR FINANCES DURING A DEPRESSION Don’t Panic! One of the hardest things to do during a recession is to remain calm. After all, no one likes to see the stock market plummet, interest rates hitting near zero, or a spike in unemployment. Yet, individuals who manage their finances successfully know not to panic during trying times just as they don’t get ahead of themselvesin
AN EXPERT EXPLAINS HOW TO AVOID COMMON The French term is often translated “for the trade” or “not for sale.”. The size of the editions for “E.A.” (“ Epreuve d’Artiste ,” the French term for “artist’s proof”), “A.P.” or “H.C.” were originally conceived to mean a small part of a printed edition to be presented to the collaborators of theartwork, or
WHAT HAPPENS TO STOCKS AFTER A CURRENCY RESET? However, the smaller oil companies that rely on fracking may have problems because I believe most of those companies have relied on cheap financing (and high oil prices) to stay profitable — and you can bet that once the reset occurs, the price of money (interest rates) will return to proper historical levels (somewhere between 5%and 8% on
GROCERY AUCTIONS: A FUN WAY TO LOWER YOUR FOOD BILL! Grocery Auctions: A Fun Way to Lower Your Food Bill! By Len Penzo. In these times of economic uncertainty, many people are looking to cut costs wherever possible. So as pressure on pocket books continues to mount, highly resourceful household CEOs have begun visiting local auction houses for great deals on groceries. That’s not a typo,folks.
ECONOMIC COLLAPSE 101: TEN WAYS TO PREPARE FOR THE UNKNOWN Most folks are good about ensuring they have the proper amount of home, life & auto insurance. But when it comes to ensuring the survival of their family in rough economic times, well not so much. 4 GOOD REASONS WHY SOME QUARTERS ARE PAINTED RED Every once in awhile I’ll come across something a bit arcane that will catch my eye and really make me wonder.. For example, consider the pattern on the back of this cat: I know; I can’t believe it either. I’ll never forget the time I came across an eggplant at mylocal grocery
LOST CHECKS: IS NOT STOPPING PAYMENT WORTH THE RISK? Now, assuming the checks were lost, we could notify the bank and issue a couple of stop payment orders — but I wasn’t convinced the checks were lost, which is why I was willing to take my chances and pass. Besides, at $20 per transaction, that was a lot of scratch to spend if we weren’t absolutely positive those checks were at risk ofLEN PENZO DOT COM
Personal Finance For Dummies: It’s as Easy as A-B-C. By Len Penzo. Most procrastinating high school and college literature students know that when they've put off their reading assignments to the point where they no longer have the time to actually HOW MUCH GOLD AND SILVER SHOULD PEOPLE OWN? If the poo hits the fan, many things of tangible value that we take for granted, especially food items, cigarettes, alcohol, batteries, lighters, etc. will be worth a whole lot more than they are today. Although I could be wrong, I think the risk of a “Mad Max” scenario is low. While I believe there is a chance for a brief breakdown in supply chains, I think they will be temporary. 5 SIMPLE REASONS WHY YOU ALWAYS OWE TAXES (AND HOW TO If that sounds familiar, you’ll be interested to know about the five most common reasons you always owe taxes — and the steps you can take to ensure a refund next year. Not Enough Withheld on Your Paychecks. The main reason people never get a tax refund is simple: They don’t withhold enough cash from their paycheck. HOW TO MANAGE YOUR FINANCES DURING A DEPRESSION Don’t Panic! One of the hardest things to do during a recession is to remain calm. After all, no one likes to see the stock market plummet, interest rates hitting near zero, or a spike in unemployment. Yet, individuals who manage their finances successfully know not to panic during trying times just as they don’t get ahead of themselvesin
AN EXPERT EXPLAINS HOW TO AVOID COMMON The French term is often translated “for the trade” or “not for sale.”. The size of the editions for “E.A.” (“ Epreuve d’Artiste ,” the French term for “artist’s proof”), “A.P.” or “H.C.” were originally conceived to mean a small part of a printed edition to be presented to the collaborators of theartwork, or
WHAT HAPPENS TO STOCKS AFTER A CURRENCY RESET? However, the smaller oil companies that rely on fracking may have problems because I believe most of those companies have relied on cheap financing (and high oil prices) to stay profitable — and you can bet that once the reset occurs, the price of money (interest rates) will return to proper historical levels (somewhere between 5%and 8% on
GROCERY AUCTIONS: A FUN WAY TO LOWER YOUR FOOD BILL! Grocery Auctions: A Fun Way to Lower Your Food Bill! By Len Penzo. In these times of economic uncertainty, many people are looking to cut costs wherever possible. So as pressure on pocket books continues to mount, highly resourceful household CEOs have begun visiting local auction houses for great deals on groceries. That’s not a typo,folks.
ECONOMIC COLLAPSE 101: TEN WAYS TO PREPARE FOR THE UNKNOWN Most folks are good about ensuring they have the proper amount of home, life & auto insurance. But when it comes to ensuring the survival of their family in rough economic times, well not so much. 4 GOOD REASONS WHY SOME QUARTERS ARE PAINTED RED Every once in awhile I’ll come across something a bit arcane that will catch my eye and really make me wonder.. For example, consider the pattern on the back of this cat: I know; I can’t believe it either. I’ll never forget the time I came across an eggplant at mylocal grocery
LOST CHECKS: IS NOT STOPPING PAYMENT WORTH THE RISK? Now, assuming the checks were lost, we could notify the bank and issue a couple of stop payment orders — but I wasn’t convinced the checks were lost, which is why I was willing to take my chances and pass. Besides, at $20 per transaction, that was a lot of scratch to spend if we weren’t absolutely positive those checks were at risk of BLACK COFFEE: THE QUICK AND THE DEAD Credit: On a related note, economist Mark Hendrickson reminds us that although “the Fed has assured the public that inflation is transitory and under control, since its inception, they have a terrible track record accomplishing any task assigned to them by Congress. It’s impossible for the Fed — or any other entity — to control millions of prices and, therefore, the inflation rate.” HOW MUCH GOLD AND SILVER SHOULD PEOPLE OWN? If the poo hits the fan, many things of tangible value that we take for granted, especially food items, cigarettes, alcohol, batteries, lighters, etc. will be worth a whole lot more than they are today. Although I could be wrong, I think the risk of a “Mad Max” scenario is low. While I believe there is a chance for a brief breakdown in supply chains, I think they will be temporary. 10 THINGS MOST OF US CAN’T LIVE WITHOUT TODAY Hm. Interesting. 1 – I’d have difficulty living without the internet. 2 – Haven’t flown in years, and I absolutely detested the experience when I did. I like trains. 3 – Except for a couple of automatic bill payments, we pay cash. 4 – While I have an ipad, a gift from my mother a few years ago, I couldn’t find it to save my life. I honestly can’t remember the last time I used 21 REASONS WHY CORNER LOTS ARE FOR SUCKERS For the six people left in America who are still looking to buy a home, I thought I’d pass on a little advice and save you a serious case of buyer’s remorse.. Don’t be fooled by real estate agents who try to tell you that a corner lot is highly desirable. They’renot.
LEARN HOW TO EASILY FIND THE RIGHT BROKER FOR YOUR NEEDS Looking for the right broker for your needs can be a never-ending process. With that in mind, here are the smartest ways to make your search for the right broker as easy as possible. IF YOU CAN’T LIVE ON $40,000 PER YEAR, IT’S YOUR OWN FAULT If you’re a household CEO who is successfully making ends meet on roughly $40,000 per year or less ($45,000 maximum, please) I’d love to hear from you. Contact me at Len@LenPenzo.com and be sure to put $40,000 in the subject line. If I publish your story, you’ll get a $25 gift card or an American Silver Eagle! Photo Credit: Hitchster.LEN PENZO DOT COM
Everybody knows that when it comes to investing, you have to take risks to earn big returns. Likewise, when it comes to saving money, sometimes it pays to push your luck and take a risk too. 16 REASONS WHY WHIRLPOOL TUBS ARE FOR Once again, I thought I’d pass on a little advice and save a serious case of buyer’s remorse for the six people left in America who are still looking to buy a home.. No, no. I’m not going to tell you why corner lots are for suckers again.. This time, I’ve got some advice for those of you who may be thinking about putting a jacuzzi-style jetted whirlpool tub in their master bathroom WHY PASTRY CHEFS ARE FINANCIALLY SAVVIER THAN THE COMMON While baking a batch of chocolate chip cookies I stumbled upon a valuable lesson about our personal finances that I'm sure any good pastry chef could have told me, if I had only bothered to ask.LEN PENZO DOT COM
Starting a business is no walk in the park. It requires a lot of time, sacrifices, and money. However, once you succeed in laying down thefoundation
LEN PENZO DOT COM
Hardly a day goes by without news breaking about a new online scam, a security breach, a government or company's digital platforms being taken hostage, or other major hack. HOW MUCH GOLD AND SILVER SHOULD PEOPLE OWN? If the poo hits the fan, many things of tangible value that we take for granted, especially food items, cigarettes, alcohol, batteries, lighters, etc. will be worth a whole lot more than they are today. Although I could be wrong, I think the risk of a “Mad Max” scenario is low. While I believe there is a chance for a brief breakdown in supply chains, I think they will be temporary. AN EXPERT EXPLAINS HOW TO AVOID COMMON There was a high end store in Nogales Az from 1924 brakers, they liquidated everything from the store, they had a pile of prints or lithograph so i picked the ones that I recognized and were in good shape, there are some Picasso, miro, Klee, matisse, most are numbered, how can I
HOW TO MANAGE YOUR FINANCES DURING A DEPRESSION Actually the way to manage your finances during a depression is to start BEFORE the depression, when times are good. “An “essential purchase” under normal circumstances and an essential purchase during a recession are two different things.” WHAT HAPPENS TO STOCKS AFTER A CURRENCY RESET? Matt: I think the companies with the biggest risk of going under are the ones that don’t turn a quarterly profit or have low cash flow and, therefore, depend on cheap credit to keep their business going (e.g., Twitter, Uber, Amazon, etc.). ECONOMIC COLLAPSE 101: TEN WAYS TO PREPARE FOR THE UNKNOWN Most folks are good about ensuring they have the proper amount of home, life & auto insurance. But when it comes to ensuring the survival of their family in rough economic times, well not so much. 5 SIMPLE REASONS WHY YOU ALWAYS OWE TAXES (AND HOW TO Nobody loves a surprise tax bill. Even worse is owing the IRS every year, despite making changes to your withholdings. If that sounds familiar, you’ll be interested to know about the five most common reasons you always owe taxes — and the steps you can take to ensurea refund next year.
4 GOOD REASONS WHY SOME QUARTERS ARE PAINTED RED Every once in awhile I’ll come across something a bit arcane that will catch my eye and really make me wonder.. For example, consider the pattern on the back of this cat: I know; I can’t believe it either. I’ll never forget the time I came across an eggplant at mylocal grocery
GROCERY AUCTIONS: A FUN WAY TO LOWER YOUR FOOD BILL! In these times of economic uncertainty, many people are looking to cut costs wherever possible. So as pressure on pocket books continues to mount, highly resourceful household CEOs have begun visiting local auction houses for great deals on groceries.. That’s not a typo,folks.
LOST CHECKS: IS NOT STOPPING PAYMENT WORTH THE RISK? I wish I was as smart as my kids. They’re never wrong.. Never. If you don’t believe me, just ask them. As a matter of fact, I was reminded of that little “fact” last month after the Honeybee noticed that a couple of checks hadn’t been cashed by mydaughter’s
LEN PENZO DOT COM
Hardly a day goes by without news breaking about a new online scam, a security breach, a government or company's digital platforms being taken hostage, or other major hack. HOW MUCH GOLD AND SILVER SHOULD PEOPLE OWN? If the poo hits the fan, many things of tangible value that we take for granted, especially food items, cigarettes, alcohol, batteries, lighters, etc. will be worth a whole lot more than they are today. Although I could be wrong, I think the risk of a “Mad Max” scenario is low. While I believe there is a chance for a brief breakdown in supply chains, I think they will be temporary. AN EXPERT EXPLAINS HOW TO AVOID COMMON There was a high end store in Nogales Az from 1924 brakers, they liquidated everything from the store, they had a pile of prints or lithograph so i picked the ones that I recognized and were in good shape, there are some Picasso, miro, Klee, matisse, most are numbered, how can I
HOW TO MANAGE YOUR FINANCES DURING A DEPRESSION Actually the way to manage your finances during a depression is to start BEFORE the depression, when times are good. “An “essential purchase” under normal circumstances and an essential purchase during a recession are two different things.” WHAT HAPPENS TO STOCKS AFTER A CURRENCY RESET? Matt: I think the companies with the biggest risk of going under are the ones that don’t turn a quarterly profit or have low cash flow and, therefore, depend on cheap credit to keep their business going (e.g., Twitter, Uber, Amazon, etc.). ECONOMIC COLLAPSE 101: TEN WAYS TO PREPARE FOR THE UNKNOWN Most folks are good about ensuring they have the proper amount of home, life & auto insurance. But when it comes to ensuring the survival of their family in rough economic times, well not so much. 5 SIMPLE REASONS WHY YOU ALWAYS OWE TAXES (AND HOW TO Nobody loves a surprise tax bill. Even worse is owing the IRS every year, despite making changes to your withholdings. If that sounds familiar, you’ll be interested to know about the five most common reasons you always owe taxes — and the steps you can take to ensurea refund next year.
4 GOOD REASONS WHY SOME QUARTERS ARE PAINTED RED Every once in awhile I’ll come across something a bit arcane that will catch my eye and really make me wonder.. For example, consider the pattern on the back of this cat: I know; I can’t believe it either. I’ll never forget the time I came across an eggplant at mylocal grocery
GROCERY AUCTIONS: A FUN WAY TO LOWER YOUR FOOD BILL! In these times of economic uncertainty, many people are looking to cut costs wherever possible. So as pressure on pocket books continues to mount, highly resourceful household CEOs have begun visiting local auction houses for great deals on groceries.. That’s not a typo,folks.
LOST CHECKS: IS NOT STOPPING PAYMENT WORTH THE RISK? I wish I was as smart as my kids. They’re never wrong.. Never. If you don’t believe me, just ask them. As a matter of fact, I was reminded of that little “fact” last month after the Honeybee noticed that a couple of checks hadn’t been cashed by mydaughter’s
BLACK COFFEE: THE QUICK AND THE DEAD Credit: On a related note, economist Mark Hendrickson reminds us that although “the Fed has assured the public that inflation is transitory and under control, since its inception, they have a terrible track record accomplishing any task assigned to them by Congress. It’s impossible for the Fed — or any other entity — to control millions of prices and, therefore, the inflation rate.” HOW MUCH GOLD AND SILVER SHOULD PEOPLE OWN? If the poo hits the fan, many things of tangible value that we take for granted, especially food items, cigarettes, alcohol, batteries, lighters, etc. will be worth a whole lot more than they are today. Although I could be wrong, I think the risk of a “Mad Max” scenario is low. While I believe there is a chance for a brief breakdown in supply chains, I think they will be temporary. 21 REASONS WHY CORNER LOTS ARE FOR SUCKERS For the six people left in America who are still looking to buy a home, I thought I’d pass on a little advice and save you a serious case of buyer’s remorse.. Don’t be fooled by real estate agents who try to tell you that a corner lot is highly desirable. They’renot.
10 THINGS MOST OF US CAN’T LIVE WITHOUT TODAY Hm. Interesting. 1 – I’d have difficulty living without the internet. 2 – Haven’t flown in years, and I absolutely detested the experience when I did. I like trains. 3 – Except for a couple of automatic bill payments, we pay cash. 4 – While I have an ipad, a gift from my mother a few years ago, I couldn’t find it to save my life. I honestly can’t remember the last time I used LEARN HOW TO EASILY FIND THE RIGHT BROKER FOR YOUR NEEDS Looking for the right broker for your needs can be a never-ending process. With that in mind, here are the smartest ways to make your search for the right broker as easy as possible. IF YOU CAN’T LIVE ON $40,000 PER YEAR, IT’S YOUR OWN FAULT Awhile back I described ten common characteristics of debt-free people.. In that article, I specifically asked my readers to consider this question: “Why is it that there are families out there with household incomes under $40,000 comfortably making ends meet and saving for retirement with no debt on the books — or at worst, a single mortgage payment — while others who make millions per 16 REASONS WHY WHIRLPOOL TUBS ARE FOR Once again, I thought I’d pass on a little advice and save a serious case of buyer’s remorse for the six people left in America who are still looking to buy a home.. No, no. I’m not going to tell you why corner lots are for suckers again.. This time, I’ve got some advice for those of you who may be thinking about putting a jacuzzi-style jetted whirlpool tub in their master bathroomLEN PENZO DOT COM
Everybody knows that when it comes to investing, you have to take risks to earn big returns. Likewise, when it comes to saving money, sometimes it pays to push your luck and take a risk too. WHY PASTRY CHEFS ARE FINANCIALLY SAVVIER THAN THE COMMON While baking a batch of chocolate chip cookies I stumbled upon a valuable lesson about our personal finances that I'm sure any good pastry chef could have told me, if I had only bothered to ask.LEN PENZO DOT COM
Starting a business is no walk in the park. It requires a lot of time, sacrifices, and money. However, once you succeed in laying down thefoundation
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The offbeat personal finance blog for responsible people. BRAZILIAN HYPERINFLATION: A READER EXPLAINS WHAT LIFE WAS LIKEBy Leasi
(Readers: In 1990, inflation in Brazil was running at 3000% per year. At that rate, a loaf of bread that cost $3 on New Year's Day would cost $93 by December 31. With that in mind, one of my readers, Leasi, had told me that she lived in Brazil during ... Continue reading Brazilian Hyperinflation: A Reader Explains What LifeWas Like
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April 13, 2020
BLACK COFFEE: RUNNING ON EMPTYBy 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 the financial crisis rages on, so ... Continue reading Black Coffee: Running on Empty33 Comments
April 11, 2020
SIX METHODS FOR DEALING WITH A ROLLER COASTER MARKETBy Rob Wrubel, CFP
Corrections and bear markets never come at the right time. Distressing world events materialize, and the stock market pullbacks just add stress and anxiety to the difficult times. In January, the world was fine; schools were in session, stocks were ... Continue reading Six Methods for Dealing with a Roller Coaster Market1 Comment
April 10, 2020
100 WORDS ON: THE BAFFLING ALLURE OF THE EIFFEL TOWERBy Len Penzo
Originally built as the grand entrance to the 1889 World's Fair, today the Eiffel Tower is the undisputed romantic symbol of Paris and most-visited paid monument on Earth. Even so, that didn't stop more than 1000 travelers in a survey from bestowing ... Continue reading 100 Words On: The Baffling Allure of the Eiffel Tower17 Comments
April 9, 2020
CAN I GET AN ATV LOAN WITH BAD CREDIT?By Sabado Domingo
Having bad credit will impact your ability to be approved for financing, or otherwise affect the loan terms that you're able to receive. In fact, you may find that you won't be eligible for any kind of loan from any lenders. The lower your credit ... Continue reading Can I Get an ATV Loan with Bad Credit?4 Comments
April 8, 2020
OVERWHELMED? HERE’S HOW TO DOWNSIZE YOUR LIFE IN 9 EASY STEPSBy Mikey Rox
When you're feeling stressed out, overwhelmed, and can't seem to strike the right balance, it might be time to downsize. But that doesn't just mean getting rid of tangible things. Sometimes you need to eliminate other variables that are holding you ... Continue reading Overwhelmed? Here’s How to Downsize Your Life in 9Easy Steps
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April 7, 2020
45 TIPS TO HELP YOU GROW A SUCCESSFUL VEGETABLE GARDENBy Len Penzo
If you're worried like I am about rising food prices this year, a modest vegetable garden can be a terrific way to lower your produce bill. Now, I know what most of you are thinking: But I don't know the first thing about planting a vegetable ... Continue reading 45 Tips to Help You Grow a Successful VegetableGarden
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April 6, 2020
BLACK COFFEE: FINANCIAL MONKEY BUSINESSBy 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. Welcome to Week 4 of the new era we ... Continue reading Black Coffee: Financial Monkey Business26 Comments
April 4, 2020
6 WAYS TO SAVE MONEY ON A BASEMENT REMODELBy Corazon Gritar
Basements have a knack for being that eerie place in the house where old toys and outdated hand-me-downs live. However, basements have the potential to become anything you want them to be. A spare bedroom, a laundry room, or perhaps even a wine ... Continue reading 6 Ways to Save Money on a Basement Remodel1 Comment
April 3, 2020
WHAT TO DO IF YOU NEED AN URGENT CASH ADVANCEBy Sabado Domingo
Experiencing a financial emergency but don't have the cash to hand to sort it out? Yes, a payday loan gives you access to fast cash -- but for the "opportunity" you'll be charged an exorbitant amount in interest. So before you head down that route, ... Continue reading What to Do If You Need an Urgent Cash Advance2 Comments
April 3, 2020
GRANDFATHER SAYS: WESTERN CIVILIZATION IS OUT OF FASHIONBy RD Blakeslee
Western civilization seems unfashionable in most colleges these days. "Diversity" is now the revealed truth. Anyway, Grandfather trotted out an old college textbook of his, Readings in Western Civilization, Knoles and Snyder, J.B. Lippincott 1951, ... Continue reading Grandfather Says: Western Civilization Is Out ofFashion
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April 2, 2020
5 THINGS TO THINK ABOUT BEFORE STARTING YOUR OWN BUSINESSBy Enero Febrero
While starting your own business may seem like an exciting prospect, those who are just getting started do not always have a strong idea of how much effort it will take to reach their desired objective. Such an endeavor is a major challenge, but when ... Continue reading 5 Things to Think About Before Starting Your OwnBusiness
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April 1, 2020
PINPOINT YOUR HOME ENERGY HOGS AND REPLACE THEM WITH THESEBy Jennifer Tuohy
Keeping it cool or warm used to be far and away the biggest energy expense a home could claim. However, according to the U.S. Energy Information Administration over the last 25 years, the percentage of energy the average household uses on heating and ... Continue reading Pinpoint Your Home Energy Hogs and Replace Them withThese
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March 31, 2020
5 CRAZY IDEAS THAT RESULTED IN MILLION DOLLAR PAYDAYSBy Len Penzo
The economy may officially be in the dumps, but you can still make a whole lot of money if you've got a great idea. In fact, there are many examples of strange -- and often ingeniously simple -- business ideas that have earned their owners millions ... Continue reading 5 Crazy Ideas That Resulted in Million Dollar Paydays43 Comments
March 30, 2020
BLACK COFFEE: WATCHING A MONETARY SYSTEM IN ITS DEATH THROESBy 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. Don't be fooled by this week's market ... Continue reading Black Coffee: Watching a Monetary System In Its DeathThroes
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March 28, 2020
THE 5 HIDDEN COSTS OF OWNING RENTAL PROPERTYBy Sabado Domingo
Having rental properties gives you a steady flow of income every month. When you are still in the planning phase, you would not even think about the possible costs of owning a rental property. Yes, owning a rental property comes with a lot of ... Continue reading The 5 Hidden Costs of Owning Rental Property2 Comments
March 27, 2020
7 WAYS TO ELEVATE YOUR FOREX TRADING SKILLSBy Tex Freitag
In today's digitized world, anyone can become a forex trader as long as they have a computer and Internet access. And it's no wonder many people want to do so -- forex trading can be an exciting, educational and profitable activity if you know how to ... Continue reading 7 Ways to Elevate Your Forex Trading Skills1 Comment
March 27, 2020
HOW TO MANAGE YOUR FINANCES DURING A DEPRESSIONBy Enero Febrero
By all measures, it has been a bad month for the American economy. Whether or not we're about to enter a deep full-scale recession -- or possibly even a depression -- isn't quite clear yet. However, it's fairly obvious that the coronavirus pandemic ... Continue reading How to Manage Your Finances During a Depression3 Comments
March 26, 2020
WHAT KIND OF EXPERIENCE DO YOU NEED TO START TRADING?By Enero Febrero
Anyone can trade, but not everyone can trade successfully. If you want to be a successful trader, it will take time and effort and a lot of practice. You can start out trading with no experience at all, but make sure you have set yourself up with ... Continue reading What Kind of Experience Do You Need to Start Trading?Leave a Comment
March 25, 2020
WHAT’S THE BEST WAY TO GIVE A FINANCIAL GIFT?By Anum Yoon
When it comes to gifts, we all know it's the thought that counts -- which is why there are certain self-described gift-giving mentors who don't encourage financial gifts. Of course, those same folks have probably been on the receiving end of monetary ... Continue reading What’s the Best Way to Give a Financial Gift?2 Comments
March 24, 2020
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* Brazilian Hyperinflation: A Reader Explains What Life Was Like * Black Coffee: Running on Empty * Six Methods for Dealing with a Roller Coaster Market * 100 Words On: The Baffling Allure of the Eiffel Tower * Can I Get an ATV Loan with Bad Credit? * Overwhelmed? Here’s How to Downsize Your Life in 9 Easy Steps * 45 Tips to Help You Grow a Successful Vegetable Garden * Black Coffee: Financial Monkey Business * 6 Ways to Save Money on a Basement Remodel * What to Do If You Need an Urgent Cash AdvanceDISCLAIMER
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