| |
Main
Date: 16 Sep 2007 12:46:10
From: javawizard
Subject: The Unexpected Cost of a Cup of Coffee & Millionaires
|
Here's a sure-fire way to become a millionaire. It can work for
everyone. This technique has made millions even for ordinary
schoolteachers who make less money than most white-collar workers.
For this technique to work, you've got to be patient. You see, it's
going to take twenty years. However, if you do this, it will work! Put
about 25% of the money you make in the bank as soon as you get your
paycheck. This is called, "paying yourself first." For most people, no
matter how much or how little they make, they only barely manage to
pay their bills. As their incomes rise, they spend more. Well, you
don't have to. You can pretend that your income is staying the same.
As your savings grow, get good sound financial advice and move your
money from your savings account to better, diversified investments.
Twenty years from now, with compounding interest or return on
investment, you'll have your million.
Another way to look at this is to consider the true cost of the little
things you spend money on. That morning stop at the coffee shop seems
to cost $2. But the real cost for your cup of coffee is more like
$200. That's what the $2 will bring if you invest it and wait 20
years. Is it worth $200 for a cup of coffee? Think how much that new
computer you don't really need is going to cost! - from the Easier,
Faster, Better section of www.odd-info.com
|
|
| |
Date: 20 Sep 2007 18:50:49
From: Flasherly
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
On Sep 20, 12:44 pm, CQ <charmed_qu...@n2mail.com > wrote:
>
> I'd like to know where you invest your money. Your best bet is the
> stock market. The stock market historically returns about 11.5% per
> year (although in recent decades it's been a good bit lower). Let's be
> optimistic and go with that long term gain. Let's continue this
> optimism and assume a 2.5% inflation rate for 20 years (wouldn't that
> be nice). After inflation the long-term return in constant dollars is
> about 9% a year. That's a doubling of your investment, in constant
> dollars, every 7.8 years. In 20 years the money will grow 5.6x. So
> it's an $11.20 cup of coffee, not $200.
Believe government figures have it listed much lower, averaged returns
as 6-8% across historical returns. Bearing in mind, I was likely
reading a same study on the implications of retirement investment, a
specter of the SocSec crises, or risk factoring for as low to near
permissible (in capitalist equity-derived models) for some ensured
future objective. Inflation I also think should be priced into the
future value of equities for the sake of modeling. Rule of seven,
right. Assuming the OP's intent is, what I suspect, to forgo coffee
(and all such frivolity not specifically related to protestant work
ethics and mercantile efficiency), according to my figures, that two-
dollar coffee, locked at a constant wage value for savings, should
double itself, an addition accounting profits over twenty years, for
more than enough to pay for an superbly handsome espresso machine. Say
a Premium Giotto ECM, leveraged across a reasonable loan value for
payments over a twenty-year timetable, or, conceivably, the Veronica
SuperPlus adjusted for the FTSE/Xinhua China 25 index.
--
"I'm not a paranoid deranged millionaire. Goddamit, I'm a
billionaire." -Howard Hughes
|
| |
Date: 20 Sep 2007 09:44:00
From: CQ
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
On Sep 16, 3:46 pm, javawizard <javawiz...@aol.com > wrote:
...
> Another way to look at this is to consider the true cost of the little
> things you spend money on. That morning stop at the coffee shop seems
> to cost $2. But the real cost for your cup of coffee is more like
> $200. That's what the $2 will bring if you invest it and wait 20
> years.
I'd like to know where you invest your money. Your best bet is the
stock market. The stock market historically returns about 11.5% per
year (although in recent decades it's been a good bit lower). Let's be
optimistic and go with that long term gain. Let's continue this
optimism and assume a 2.5% inflation rate for 20 years (wouldn't that
be nice). After inflation the long-term return in constant dollars is
about 9% a year. That's a doubling of your investment, in constant
dollars, every 7.8 years. In 20 years the money will grow 5.6x. So
it's an $11.20 cup of coffee, not $200.
I might pay that much for a REALLY good cup of coffee. But I almost
always make my own. I use very high quality beans that I roast myself.
The most I pay is $6/lb of greens. I was tempted by that recent
offering of green Geisha, but I passed. Usually I pay less. The $6
will certainly cover the cost of my equipment and related expenses.
The 1 lb results in about 12 ounces post roast. That's about 24 large
servings of coffee, I think ( double shots or 12 ounce drips), working
out to 25 cents per cup. So if I had given up this really great coffee
when I was younger and instead invested the money for 20 years, I
would have saved a dollar a day. If I saved and invested this 25 cents
every day for $20 years, I'd now have about $4,000. A really nice
vacation for my family and me. Not worth it to me. I'm frugal, but I
really like good coffee.
|
| | |
Date: 20 Sep 2007 16:51:32
From: Randall Nortman
Subject: Re: The Unexpected Cost of Spam
|
On 2007-09-20, CQ <charmed_quark@n2mail.com > wrote:
> On Sep 16, 3:46 pm, javawizard <javawiz...@aol.com> wrote:
> ...
>> Another way to look at this is to consider the true cost of the little
>> things you spend money on. That morning stop at the coffee shop seems
>> to cost $2. But the real cost for your cup of coffee is more like
>> $200. That's what the $2 will bring if you invest it and wait 20
>> years.
>
> I'd like to know where you invest your money. Your best bet is the
> stock market. The stock market historically returns about 11.5% per
> year (although in recent decades it's been a good bit lower). Let's be
> optimistic and go with that long term gain. Let's continue this
> optimism and assume a 2.5% inflation rate for 20 years (wouldn't that
> be nice). After inflation the long-term return in constant dollars is
> about 9% a year. That's a doubling of your investment, in constant
> dollars, every 7.8 years. In 20 years the money will grow 5.6x. So
> it's an $11.20 cup of coffee, not $200.
[...]
You are over-analyzing this. The original post was SPAM. Use Google
Groups to find other posts by the original poster and you'll find
plenty of "helpful" posts like this, all of which include a link to
one of the poster's web sites at the end.
Let me reiterate, this thread started as spam, and is nothing more.
Several of the follow-ups to it have quoted the entire original post,
including the spammer's URL, which is exactly what the spammer wants.
Let's quit helping out the spammers, shall we?
--
Randall
|
| |
Date: 18 Sep 2007 19:54:05
From: Don C.
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
On Sep 16, 3:46 pm, javawizard <javawiz...@aol.com > wrote:
> Here's a sure-fire way to become a millionaire. It can work for
> everyone. This technique has made millions even for ordinary
> schoolteachers who make less money than most white-collar workers.
>
> For this technique to work, you've got to be patient. You see, it's
> going to take twenty years. However, if you do this, it will work! Put
> about 25% of the money you make in the bank as soon as you get your
> paycheck. This is called, "paying yourself first." For most people, no
> matter how much or how little they make, they only barely manage to
> pay their bills. As their incomes rise, they spend more. Well, you
> don't have to. You can pretend that your income is staying the same.
> As your savings grow, get good sound financial advice and move your
> money from your savings account to better, diversified investments.
> Twenty years from now, with compounding interest or return on
> investment, you'll have your million.
>
> Another way to look at this is to consider the true cost of the little
> things you spend money on. That morning stop at the coffee shop seems
> to cost $2. But the real cost for your cup of coffee is more like
> $200. That's what the $2 will bring if you invest it and wait 20
> years. Is it worth $200 for a cup of coffee? Think how much that new
> computer you don't really need is going to cost! - from the Easier,
> Faster, Better section ofwww.odd-info.com
Then there's the advice my dear ol' granpappy gave when I was a wee
'un. Son, he would say. Here's how you make a million dollars and not
pay any taxes. First, you get a million dollars. Then you say "I
forgot" when the IRS comes after you.
|
| | |
Date: 18 Sep 2007 20:28:02
From: Steve
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
On Tue, 18 Sep 2007 19:54:05 -0000, "Don C." <DonRCummings@gmail.com >
wrote:
>Then there's the advice my dear ol' granpappy gave when I was a wee
>'un. Son, he would say. Here's how you make a million dollars and not
>pay any taxes. First, you get a million dollars. Then you say "I
>forgot" when the IRS comes after you.
My grandfather was a farmer.
How to make a million in farming?
Start with 2 million.
In two years it will be 1 million.
|
| |
Date: 17 Sep 2007 18:33:57
From: Flasherly
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
On Sep 16, 7:10 pm, Cineman <cine...@nospam.newsguy.com > wrote:
> How about this...
>
> A new product that is not available anywhere else. It is called
> "Wellness Coffee". Funny name? Maybe, maybe not. How about finally,
> a new coffee that actually benefits peope? How about a coffee that
> can be purchased without strings attached? How about a company
> offering such products at FULL RETAIL (expensive, but no requirements)
> or at a 25% discount (immediately, no twenty years as he suggests)
> just by agreeing to buy 2 bags a month. Or, better yet, how about
> being able to sell this coffee and earning a commission on everything
> you sell?
>
> People do not have to be pesimistic just because they are not familiar
> with something new.
>
> What if us coffee lovers had a new "brew"? What if this new brew was
> really good? What if this new brew could be purchased on-line with NO
> SHIPPING and 100% guarantee? What if, just what if, this was not a
> scam? What if, you could get a free sample, actually enjoy the
> product and have the ability to buy it whenever you want without
> strings attached...no 25 years, no investment....nothing?
>
> Check outhttp://www.lifefoods.comand look at the new herbal coffees
> that are available. They are not available anywhere else.
>
> You can buy as a retail customer....you can save 25% by just agreeing
> to buy 2 bags a month...or you can become a "Marketing Director" to
> introduce the coffee to others and earn a commission from the company
> on everything that is purchased under your name. What is wrong with
> that?
>
> You can call visit my site at this company and contact me if you want
> more information. Of course, there are no strings attached. I am
> perfectly happy to tell you about this company and its products.
>
> Just my two cents....
>
> http://my.lifefoods.com/javajim
>
> PS: I hope to meet many "Coffee Lovers" like me throught this unique
> site ... I can't wait to hear what you all think about the idea of
> "Herbal Coffee"...we are also working on "herbal chocolate" next!
>
> Sincerely,
> JavaJim
>
> On Sun, 16 Sep 2007 12:46:10 -0700, javawizard <javawiz...@aol.com>
> wrote:
>
> >Here's a sure-fire way to become a millionaire. It can work for
> >everyone. This technique has made millions even for ordinary
> >schoolteachers who make less money than most white-collar workers.
>
> >For this technique to work, you've got to be patient. You see, it's
> >going to take twenty years. However, if you do this, it will work! Put
> >about 25% of the money you make in the bank as soon as you get your
> >paycheck. This is called, "paying yourself first." For most people, no
> >matter how much or how little they make, they only barely manage to
> >pay their bills. As their incomes rise, they spend more. Well, you
> >don't have to. You can pretend that your income is staying the same.
> >As your savings grow, get good sound financial advice and move your
> >money from your savings account to better, diversified investments.
> >Twenty years from now, with compounding interest or return on
> >investment, you'll have your million.
>
> >Another way to look at this is to consider the true cost of the little
> >things you spend money on. That morning stop at the coffee shop seems
> >to cost $2. But the real cost for your cup of coffee is more like
> >$200. That's what the $2 will bring if you invest it and wait 20
> >years. Is it worth $200 for a cup of coffee? Think how much that new
> >computer you don't really need is going to cost! - from the Easier,
> >Faster, Better section ofwww.odd-info.com
AOL, I guess, has been losing its butt. The newsfeeds said they
consolidated in NYC and will concentrating on advertising. How about
that. By next year, according to projections given by some, there
will be 28% more advertising content on the inet. How about this -
create alt.usenet.spam, for no one but advertisers to sell to one
another. Just think, totally full of profit expectations and an inet
with all advertisers, who else is going to care?
Obviously, not Google.
|
| |
Date: 16 Sep 2007 22:09:46
From: lavarock7
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
A better and faster way...
Buy one million dollars worth of double-your-money-back-guaranteed
products and send them back.
javawizard wrote:
> Here's a sure-fire way to become a millionaire. It can work for
> everyone. This technique has made millions even for ordinary
> schoolteachers who make less money than most white-collar workers.
>
> For this technique to work, you've got to be patient. You see, it's
> going to take twenty years. However, if you do this, it will work! Put
> about 25% of the money you make in the bank as soon as you get your
> paycheck. This is called, "paying yourself first." For most people, no
> matter how much or how little they make, they only barely manage to
> pay their bills. As their incomes rise, they spend more. Well, you
> don't have to. You can pretend that your income is staying the same.
> As your savings grow, get good sound financial advice and move your
> money from your savings account to better, diversified investments.
> Twenty years from now, with compounding interest or return on
> investment, you'll have your million.
>
> Another way to look at this is to consider the true cost of the little
> things you spend money on. That morning stop at the coffee shop seems
> to cost $2. But the real cost for your cup of coffee is more like
> $200. That's what the $2 will bring if you invest it and wait 20
> years. Is it worth $200 for a cup of coffee? Think how much that new
> computer you don't really need is going to cost! - from the Easier,
> Faster, Better section of www.odd-info.com
>
|
| |
Date: 16 Sep 2007 16:10:29
From: Cineman
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
How about this...
A new product that is not available anywhere else. It is called
"Wellness Coffee". Funny name? Maybe, maybe not. How about finally,
a new coffee that actually benefits peope? How about a coffee that
can be purchased without strings attached? How about a company
offering such products at FULL RETAIL (expensive, but no requirements)
or at a 25% discount (immediately, no twenty years as he suggests)
just by agreeing to buy 2 bags a month. Or, better yet, how about
being able to sell this coffee and earning a commission on everything
you sell?
People do not have to be pesimistic just because they are not familiar
with something new.
What if us coffee lovers had a new "brew"? What if this new brew was
really good? What if this new brew could be purchased on-line with NO
SHIPPING and 100% guarantee? What if, just what if, this was not a
scam? What if, you could get a free sample, actually enjoy the
product and have the ability to buy it whenever you want without
strings attached...no 25 years, no investment....nothing?
Check out http://www.lifefoods.com and look at the new herbal coffees
that are available. They are not available anywhere else.
You can buy as a retail customer....you can save 25% by just agreeing
to buy 2 bags a month...or you can become a "Marketing Director" to
introduce the coffee to others and earn a commission from the company
on everything that is purchased under your name. What is wrong with
that?
You can call visit my site at this company and contact me if you want
more information. Of course, there are no strings attached. I am
perfectly happy to tell you about this company and its products.
Just my two cents....
http://my.lifefoods.com/javajim
PS: I hope to meet many "Coffee Lovers" like me throught this unique
site ... I can't wait to hear what you all think about the idea of
"Herbal Coffee"...we are also working on "herbal chocolate" next!
Sincerely,
JavaJim
On Sun, 16 Sep 2007 12:46:10 -0700, javawizard <javawizard@aol.com >
wrote:
>Here's a sure-fire way to become a millionaire. It can work for
>everyone. This technique has made millions even for ordinary
>schoolteachers who make less money than most white-collar workers.
>
>For this technique to work, you've got to be patient. You see, it's
>going to take twenty years. However, if you do this, it will work! Put
>about 25% of the money you make in the bank as soon as you get your
>paycheck. This is called, "paying yourself first." For most people, no
>matter how much or how little they make, they only barely manage to
>pay their bills. As their incomes rise, they spend more. Well, you
>don't have to. You can pretend that your income is staying the same.
>As your savings grow, get good sound financial advice and move your
>money from your savings account to better, diversified investments.
>Twenty years from now, with compounding interest or return on
>investment, you'll have your million.
>
>Another way to look at this is to consider the true cost of the little
>things you spend money on. That morning stop at the coffee shop seems
>to cost $2. But the real cost for your cup of coffee is more like
>$200. That's what the $2 will bring if you invest it and wait 20
>years. Is it worth $200 for a cup of coffee? Think how much that new
>computer you don't really need is going to cost! - from the Easier,
>Faster, Better section of www.odd-info.com
|
| |
Date: 16 Sep 2007 13:16:04
From:
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
On Sep 16, 3:46 pm, javawizard <javawiz...@aol.com > wrote:
> Here's a sure-fire way to become a millionaire. It can work for
> everyone. This technique has made millions even for ordinary
> schoolteachers who make less money than most white-collar workers.
>
> For this technique to work, you've got to be patient. You see, it's
> going to take twenty years. However, if you do this, it will work! Put
> about 25% of the money you make in the bank as soon as you get your
> paycheck. This is called, "paying yourself first." For most people, no
> matter how much or how little they make, they only barely manage to
> pay their bills. As their incomes rise, they spend more. Well, you
> don't have to. You can pretend that your income is staying the same.
> As your savings grow, get good sound financial advice and move your
> money from your savings account to better, diversified investments.
> Twenty years from now, with compounding interest or return on
> investment, you'll have your million.
>
> Another way to look at this is to consider the true cost of the little
> things you spend money on. That morning stop at the coffee shop seems
> to cost $2. But the real cost for your cup of coffee is more like
> $200. That's what the $2 will bring if you invest it and wait 20
> years. Is it worth $200 for a cup of coffee? Think how much that new
> computer you don't really need is going to cost! - from the Easier,
> Faster, Better section ofwww.odd-info.com
Simple, excellent advice. Never too late to start.
Len
===================
http:/www.CoffeeRoastersClub.com
|
| | |
Date: 18 Sep 2007 21:13:19
From: Lucygrace
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
admin@coffeeroastersclub.com wrote:
> On Sep 16, 3:46 pm, javawizard <javawiz...@aol.com> wrote:
>> Here's a sure-fire way to become a millionaire. It can work for
>> everyone. This technique has made millions even for ordinary
>> schoolteachers who make less money than most white-collar workers.
>>
>> For this technique to work, you've got to be patient. You see, it's
>> going to take twenty years. However, if you do this, it will work! Put
>> about 25% of the money you make in the bank as soon as you get your
>> paycheck. This is called, "paying yourself first." For most people, no
>> matter how much or how little they make, they only barely manage to
>> pay their bills. As their incomes rise, they spend more. Well, you
>> don't have to. You can pretend that your income is staying the same.
>> As your savings grow, get good sound financial advice and move your
>> money from your savings account to better, diversified investments.
>> Twenty years from now, with compounding interest or return on
>> investment, you'll have your million.
>>
>> Another way to look at this is to consider the true cost of the little
>> things you spend money on. That morning stop at the coffee shop seems
>> to cost $2. But the real cost for your cup of coffee is more like
>> $200. That's what the $2 will bring if you invest it and wait 20
>> years. Is it worth $200 for a cup of coffee? Think how much that new
>> computer you don't really need is going to cost! - from the Easier,
>> Faster, Better section ofwww.odd-info.com
>
> Simple, excellent advice. Never too late to start.
>
> Len
>
>
> ===================
> http:/www.CoffeeRoastersClub.com
>
Except if I don't have my daily coffee, I'm more likely to kill someone
thereby not earning any money to pay myself first. Sometime coffee *is*
an essential :)
LG
|
| | |
Date: 16 Sep 2007 22:05:07
From: Randall Nortman
Subject: Re: The Unexpected Cost of a Cup of Coffee & Millionaires
|
On 2007-09-16, admin@coffeeroastersclub.com <admin@coffeeroastersclub.com > wrote:
> On Sep 16, 3:46 pm, javawizard <javawiz...@aol.com> wrote:
>> Here's a sure-fire way to become a millionaire. It can work for
>> everyone. This technique has made millions even for ordinary
>> schoolteachers who make less money than most white-collar workers.
>>
>> For this technique to work, you've got to be patient. You see, it's
>> going to take twenty years. However, if you do this, it will work! Put
>> about 25% of the money you make in the bank as soon as you get your
>> paycheck. This is called, "paying yourself first." For most people, no
>> matter how much or how little they make, they only barely manage to
>> pay their bills. As their incomes rise, they spend more. Well, you
>> don't have to. You can pretend that your income is staying the same.
>> As your savings grow, get good sound financial advice and move your
>> money from your savings account to better, diversified investments.
>> Twenty years from now, with compounding interest or return on
>> investment, you'll have your million.
>>
>> Another way to look at this is to consider the true cost of the little
>> things you spend money on. That morning stop at the coffee shop seems
>> to cost $2. But the real cost for your cup of coffee is more like
>> $200. That's what the $2 will bring if you invest it and wait 20
>> years. Is it worth $200 for a cup of coffee? Think how much that new
>> computer you don't really need is going to cost! - from the Easier,
>> Faster, Better section of [SPAM SPAM SPAM]
>
> Simple, excellent advice. Never too late to start.
>
> Len
Simple, annoying spam. And pretty irrelevant to this group, despite
the mention of coffee.
--
Randall
|
|
