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That Starbucks Coffee and finances ☕

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It seems like in the personal finance guru world there are two schools of thought:

  • A five dollar cup of coffee bought every week day adds up over a year and decades, money that could be better allocated towards saving and investing. In addition, it gets you in the habit of spending money that you don’t need to spend.
  • A five dollar cup of coffee doesn’t matter much, a $1,300 yearly purchase is pretty inconsequential and it gives you an allowance while focusing on cutting bigger costs.

I’m more inclined to agree with the former. But I don’t get much joy out of drinking coffee. I do drink a cup with breakfast but I’ve been trying to cut back and reuse grounds and reheat coffee whenever possible with higher coffee prices.

I guess if coffee really gives you pleasure but for me it’s more of just a drug, a crutch in the morning one that I could probably live without. But the thing is it’s not hard to make myself, I can compost the grounds and I reuse my mug and I have used the same camp stove top percolator for years.

I agree spend money on things you care about, but paper cups soon discarded and a hot cup of Joe isn’t on that list for me. And getting into the habit of being frugal on little things can add up and teach lessons on being frugal for the bigger things.

DOT Engineer Pornography

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Something is oddly seductive about the curves of the the Interstate 90 Northside Route and the Adirondack Northway.

DOT Engineer Pornography

Meads Road

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Lyman and Meads Farms along Meads Road. A rural country road, not that far from where I live that provides for a nice quiet alternative walk back from Five Rivers, and gives me an opportunity to check out the Van Dyke Preserve.

Largest Earthquakes to Hit NY State

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Largest Earthquakes to Hit New York State
Year Location Magnitude County Town
1944 8 km S of Cornwall, Canada 5.74 St. Lawrence Massena town
2002 8 km NNW of Au Sable Forks, New York 5.30 Clinton Black Brook town
1983 8 km WSW of Newcomb, New York 5.10 Essex Minerva town
1877 Adirondack region, New York 4.90 Franklin Franklin town
1897 Lake Champlain area, New York 4.70 Clinton Au Sable town
1929 5 km S of Corfu, New York 4.70 Genesee Darien town
1931 2 km SSW of Warrensburg, New York 4.70 Warren Warrensburg town
1944 6 km ESE of Cornwall, Canada 4.50 Franklin St. Regis Mohawk Reservation
1934 6 km WSW of Dannemora, New York 4.50 Clinton Saranac town
1853 Near Lowville, New York 4.50 Lewis Martinsburg town
1848 Near Tarrytown, New York 4.35 Westchester Mount Pleasant town
1857 Niagara County, New York 4.30 Niagara Royalton town
1867 East of Ogdensburg, New York 4.30 St. Lawrence Lisbon town
1966 3 km SE of Attica, New York 4.27 Wyoming Attica town
1975 6 km E of Altona, New York 4.20 Clinton Altona town
1928 7 km NNW of Paul Smiths, New York 4.10 Franklin Brighton town
1916 3 km SE of Galway, New York 4.10 Saratoga Galway town
Andy Arthur, 3/10/23.
Data Source: USGS Earthquakes. earthquake.usgs.gov/earthquakes/search/

Stock Market Deals!

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Why do people get excited about lower prices at stores on Black Friday but not about cheaper prices on stock market? Cheaper prices means you get more shares for less money. What’s not to like?