Archive | Drink Coffee & Profit

You Are Carrying $61,592 More in Stocks Than Your Own Plan Called For

The S&P is up 64.2% since the start of 2024. Nobody sent a notice when your allocation changed.

Aug 18, 2026

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4 min read

You Are Carrying $61,592 More in Stocks Than Your Own Plan Called For

Central Banks Have Diversified for 21 Straight Months. Your Household Has Not.

Gold touched $4,509 Thursday and gave part back Friday. The interesting part is not the price.

Aug 17, 2026

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4 min read

Central Banks Have Diversified for 21 Straight Months. Your Household Has Not.

Washington Just Made the Interest on Your Escrow Account Optional

Fourteen states require it. A May rule says national banks can ignore them, and ten attorneys general are suing.

Aug 16, 2026

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3 min read

Washington Just Made the Interest on Your Escrow Account Optional

Your Electric Bill Is 30% Higher Than Three Years Ago. Washington Made It That Way on Purpose.

The average electricity rate rose 31% since 2021. Plant retirements outpace replacements. Energy costs are embedded in every price you pay — groceries, shipping, water, data.

Aug 14, 2026

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4 min read

Your Electric Bill Is 30% Higher Than Three Years Ago. Washington Made It That Way on Purpose.

Your Credit Card Is Charging You 24% Interest Right Now. The Fed Might Raise It Again Next Month.

The average APR just hit a record 24.2%. Americans owe $1.17 trillion in credit card debt. Of those who called to negotiate, 76% got a reduction. Most never call.

Aug 13, 2026

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4 min read

Your Credit Card Is Charging You 24% Interest Right Now. The Fed Might Raise It Again Next Month.