Len Penzo

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The offbeat personal finance blog for responsible people. Follow me on Twitter! @LenPenzo

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Highlights
Black Coffee: Attack of the Mendacious Money Monsters

Sadly, Lacalle reminds us that “once YCC fails — like all other financial repression tools — central banks and governments will say that it didn’t work because they didn’t do enough. Or this … Debit: Until then, you can bet that governments and their criminal central bank cohorts will do everything in their power to continue making actual stores of wealth like gold and silver look far less valuable than what a truly free and fair market would show via honest price discovery. * Not being a better parent, spouse or child (14%) More than 2100 Len Penzo dot Com readers responded to last week’s question and it turns out that almost 1 in 5 said their biggest regret in life (so far) has been not saving enough cash. He’s 118 years old,” the 80-year old cowboy said.

Top 5 Commercial Real Estate Trends to Know in 2021

In the Southwest, there is a growing market in Arizona where people are finding better access to water than they do in California, and the South Texas market is looking pretty solid as well. There will be plenty of opportunities on the horizon in 2021 in those places to where business and people are moving, so those are the Western and Southern states first and foremost with a special mention for Texas. South Dakota is also on the radar as a place that has a thriving business climate that is conducive to attracting a lot of newcomers and lets not forget about Florida which has the second fastest growing economy in the country. Commercial real estate, whether agricultural, industrial, retail, senior housing, or online retail will offer a great many opportunities for land investors in 2021 if they do their homework and understand how market dynamics differ significantly not only across sectors but also across regions in the United States.

3 Ways To Quickly Bulk Up Your Retirement Savings

CNBC reports that those who start saving $14 a day when they’re 23 will be millionaires by the time they reach age 67, assuming a 6% annual investment return. In retrospect, those who start saving at age 35 would have to save $30 per day to reach millionaire status by the same age. If you choose to receive benefits from Social Security prior to the year you reach full retirement age (FRA), your benefits are automatically reduced by $1 for every $2 above the annual limit that you earn. In the year you reach FRA, your payment will be reduced by $1 for every $3 you earn above the limit in effect for the year, but the Social Security Administration will factor in only earnings before the month you hit your FRA.

Buy an Existing House or Have One Built? The Pros and Cons

Luckily, assuming you decide to buy a brand new construction there are a lot of options — like the Herriman Utah homes for sale Easy builds in which the house is already prefabricated are much easier and cost far less, but many people build with the express need to customize. The flip side of the coin is that you build in a more developed area that is close to the services that you need, but then you are limited in terms of customization. In fact, some people may use the proceeds of their home sale to start the build and end up living in a container on site while it gets built since they effectively have no place to live.

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