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NPR, the Robert Wood Johnson Foundation and the Harvard School of Public Health recently polled 1,081 African-Americans about their lives. One of the areas respondents were asked about was their perceptions of their financial status.

As Code Switch's Gene Demby reported in an earlier post, the effects of the housing crisis and a recession — both of which disproportionately affected African-Americans — didn't seem to dampen a sense of optimism and overall life satisfaction among respondents. But the survey did reveal a dramatic — if not exactly surprising — split between two evenly divided groups of respondents: 49 percent who saw their financial situations as "excellent" or "good," and 50 percent who described their finances as "poor" or "not good."

This finding mirrors attitudes of African-American respondents to a 2001 survey by the Washington Post, the Kaiser Family Foundation and Harvard University. Then, the stats were similar: 49 percent polled saw their financial situations as "excellent" or "good," and 51 percent considered them "poor" or "not so good."

Robert Blendon, a professor of public health at Harvard and one of the 2013 study's co-directors, told NPR's Kathy Lohr that many African-Americans who don't consider themselves well-situated financially still have a sense of optimism. A combined 81 percent of respondents said they would one day attain the American dream — owning their own home, gaining financial security — or already had. Only 16 percent said they felt the dream was out of reach.

NPR's Uri Berliner is taking $5,000 of his own savings and putting it to work. Though he's no financial whiz or guru, he's exploring different types of investments — alternatives that may fare better than staying in a savings account that's not keeping up with inflation.

My taste of the commodities market started with a headline I read a few weeks ago: Cooling Coffee Prices Hit A 3 1/2-Year Low.

I like coffee. Most people like coffee. That's not going to change. So maybe, just maybe, I could buy coffee low and sell high, not by hoarding sacks of actual coffee beans but with a bet on the futures price.

The futures market largely determines the price of the most basic commodities used in everyday life — oil, wheat, soybeans, corn, hogs, cattle, coffee and much more. Despite their significance, futures are a mystery to most people, including many investors and journalists. I caught up with Jack Scoville at the Price Futures Group in Chicago. He's a futures broker who analyzes the market for agricultural commodities, including coffee. He ticks off reasons why coffee prices have tumbled.

More Coffee Reading

The Salt

Exploring Coffee's Past To Rescue Its Future

Apple Inc. "conspired to raise the retail price of e-books," a federal judge ruled Wednesday as a civil lawsuit brought by the Justice Department reached its conclusion.

(Note at 2:15 p.m. ET: Will this affect e-book prices? Maybe not. Click here to see why.)

NPR's Uri Berliner is taking $5,000 of his own savings and putting it to work. Though he's no financial whiz or guru, he's exploring different types of investments — alternatives that may fare better than staying in a savings account that's not keeping up with inflation.

If you go onto a site like Artnet or Saatchi Online, you can shop for art by price, style or even size. It's not that different from buying a mutual fund on the Web. This suits Cappy Price just fine. She's a former Wall Street portfolio manager who now consults with clients about art as an alternative asset. She loves art for its beauty, but she also says it's an investable asset — one that wasn't really accessible to ordinary people until recently.

"The Internet is driving the ability of the masses to do their own research, do their own due diligence just as they do with a stock — really enabling individuals to determine and place their own value on individual pieces of art," Price says.

Why invest in art? One reason, Price says, is that fine art has a proven track record as a good choice during hard times. "It outperforms in times of economic turmoil and trouble. It has outperformed during all of the wars of the 20th century. It's outperformed during the last 27 recessions."

Like any other asset, the market for art goes through ups and downs. Over the past 60 years, the total return on art has been very similar to the return on the S&P 500-stock index, says Mike Moses, a retired New York University business school professor who co-created the Mei Moses World All Art Index. The index tracks repeat auction sales of fine art.

"If you use the last 30 years, the S&P substantially outperforms art," Moses says. "If you look at the most recent eight [to] 10 years, art has outperformed the S&P."

For paintings in my price range — we're talking a few hundred dollars — there's no Mei Moses index, no record of auction sales to use as a guide. So I have no idea whether it's a smart move financially for me to buy art. But I do know this: Art is different than other investments. It's there in your house, part of your life.

"You are telling people something about yourself when you hang it," Moses says. "And therefore, I think that emotional investment gives you a certain tie to that work that you don't find in other objects that you buy."

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Dollar For Dollar: Adventures In Investing

How To Invest In Real Estate Without Being A Landlord