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 hope everybody had a wonderful week. And with that, let’s get right to this week’s commentary, shall we?The hardest thing to explain is the glaringly evident which everybody has decided not to see.― Ayn RandCredits and DebitsDebit: Did you see this? According to Kelly Blue Book, “The $20,000-vehicle is now ...