<p><i>The $500 Cup of Coffee</i>\u00ae helps balance present-day choices and future needs by asking, "why are you paying $500 for a cup of coffee?" </p><p>If you're a baby-boomer, like authors Steve Lome and Dave Kramer, you're not. But if you're 20 or 30-something years old, consistent investment of small amounts adds up over time. When you invest rather than ingest your coffee money, the future value of one week of gourmet coffee could easily exceed $500 thanks to the power of compound interest. </p><p>Lome, a residential real estate developer, and co-author, David Kramer, a mortgage broker, nearly lost their shirts when the housing market crashed in 2008. Picking up the pieces, they wrote <i>The $500 Cup of Coffee</i> to inform and inspire others to build and hold onto to their wealth. </p><p>Writing in a friendly style, they explain financial jargon in simple English, introduce concepts like compound interest and opportunity cost with easy-to-understand real life examples, and show you how to take control of your money so that money worries stop controlling you. They demonstrate that managing money is not difficult, investment is not scary, and that financial security is within reach, especially if you're young and invest your time and money wisely. </p><p>Rather than tell you what to do, they present a big picture view of life's major savings events - education, household formation, home, and retirement - so that you can ask better questions and make smarter choices. With <i>The $500 Cup of Coffee</i> as your guide, you'll build your wealth and use it to make life better. </p>
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Usually, the greater the risk, the higher the insurance quoteFrom keeping your driving record clean to increasing your credit score, there are ways you can decrease your risk as well as your car insurance premiumsHere are 12 of the top risk factors that underwriters examine when assessing how much you should pay for your car insuranceOnce all factors have been given a value, the underwriter tallies up the numbers and offers the insurance company a level of risk on which to base its premiumsWe promiseThere are a number of reasons this might have happened: It could be an audio problemIt's free! Almost every day, you'll receive one email listing all the deals, discounts and free events published in the last 24 hours at Living on the CheapSafety devices:Many insurance companies will gladly lower your insurance premiums if you have anti-theft devices installed in your vehicle b2ff6ad845
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