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Maybe you can’t relate to smoking marijuana like me . Maybe you think smoking weed is disgusting or degenerate behavior and have steered clear of it your whole life. That’s fine. Now let’s get into your coffee habit. There’s a cost to that too, you know? Long-standing dissension exists within the financial literacy community about coffee. Is cutting caffeine wise for anyone looking to take control of their finances? I came across a meme recently that clearly was on the side of sticking with coffee. At $8 a day per cup, the meme read, a person would spend approximately $2,900 a year on coffee. That’s about $500 more than my projected weed bill. But this column isn’t about my take on the great coffee debate. I’m not here to tell you which is right and wrong, or that you should or shouldn’t buy coffee. I’m not even a coffee drinker. I’ve never had a cup! I don’t want or need to drink it. Weed is my coffee. I just wish my hobby didn’t carry the same stigma as yours. But I’m happy to see that negative perception starting to fade as legal marijuana arrives in more states. Instead, I hope my words make you think, particularly about your own habits and how behavioral changes, even with more socially acceptable customs, can be beneficial. Like all changes, the first step requires a mindset shift. If I told you I spent $2,500 a year on weed you’d probably wince and wonder what’s wrong with me. But what would be your response at $3,000 a year on coffee? Justification? A long list of “ well, actually ” counters? Much like my marijuana habit is not simply about smoking, the cost of your coffee consumption isn’t solely about coffee. It’s more than financial, it’s behavioral. Substitute coffee and marijuana for subscription services, dining out or online shopping and the point remains. But in airports throughout the country, I walk by coffee-crazed people patiently waiting in long lines at Starbucks at the crack of dawn. I guess they’ve got to have their coffee. But I wonder about the time commitment. The investor in me loves to see it. When Starbucks’ stock was down in May by 24% year to date, I jumped on the dip as a buying opportunity. I increased my Starbucks’ stake to 32 shares between May and August, confident that the stock would recover and I’d eventually collect a profit. The method, referred to as swing trading, is one I’m learning to use to generate additional income. Four days after my final equity purchase of a little less than 2.5 shares on Aug. 9, Starbucks’ stock popped. Former Chipotle CEO Brian Niccol was named to the same position at Starbucks. The coffee giant’s stock soared 25% on the news, its best day in the company’s history. It hasn’t come down since. I’m up 31% on my position, or $787 dollars. The day after Thanksgiving, I received a $20 dividend payment from Starbucks. So, yeah, I’ll stick with buying the dip instead of drinks. Coffee drinkers can point to positives of having a daily cup of joe. Studies show coffee, like marijuana, has potential health benefits . Although I can’t help but to think about dependency when I hear coffee club conversations. Strictly from a financial standpoint, however, it’s another beverage that undeniably bleeds your bank account — especially if you aren’t paying attention. Before you know it, you’re stuck in a senseless pattern of paying for coffee, tea, soda, alcohol, bottled water, energy drinks and sports drinks. When does it stop? Do you really need those drinks? I’ve shared many of the things I’ve cut out or cut back on along my financial transformation. Like coffee, all of them seem minor. They’re things like pizza and beer , subscriptions and eating out . I even told you how I changed my water consumption. I know first-hand that all those drinks are costly, largely unnecessary and, for the most part, unhealthy. Combined, they can be another silent barrier to wealth-building when your funds are low and the resources you possess aren’t being deployed optimally. That is something we can control. Some surely will view discipline as deprivation. Others will salute your sacrifice. But remember, no change must be permanent. I’m proof that just cutting back can be beneficial. I’ve learned that what I once made routine doesn’t need to be a daily occurrence. By reevaluating our small, everyday habits — whether it’s coffee or weed, subscriptions or dining out — we can free up funds for things that matter more, like saving and investing. Darnell Mayberry is a sportswriter based in Chicago and is the author of “100 Things Thunder Fans Should Know & Do Before They Die.” He loves his daughter Parker, money and the Minnesota Vikings. You will find his column, Money Talks, each Saturday on cleveland.com and Sundays in The Plain Dealer. A new column by Darnell Mayberry brings readers along his journey toward teaching his young daughter, Parker, about financial literacy.Eagles QB Kenny Pickett expects to be ‘ready to go’ vs. Cowboys
London tube, rail fares to rise by 4.6% March 2025 — Mayor
Netflix passed two tests on Wednesday when it for the first time in its history. First: Netflix managed to stream the games around the world without widespread that plagued its Mike Tyson-Jake Paul boxing exhibition/stunt last month. Second: Netflix managed to attract the kind of audience for the games that you'd expect from the NFL, which is continually the most popular thing on conventional TV. (Those initial numbers may swell a bit once the NFL, Netflix, and Nielsen scour for additional viewers.) The biggest audience — around 27 million viewers — showed up for the "Beyoncé Bowl" — a halftime performance during the Ravens/Texans game, featuring, of course, Beyoncé. For comparison, last year, the NFL an average of some 28 million US viewers for the two games it broadcast on Christmas Day, via conventional TV networks. (Netflix's numbers don't include viewers outside the US; it says it will report back on those on December 31. Netflix the audience for the peaked at 65 million worldwide and 38 million in the US.) All of which means that when Netflix streams Christmas games again next year, and again in 2027, it won't seem like a novelty. It will just be the most popular sport on TV, delivered via a streaming service. This is what both Netflix and the NFL want, for slightly different reasons. The NFL is always looking for another outlet that will pay it top dollar for the right to show its games — Netflix paid the NFL a reported $150 million for this year's games — and as a way to boost its nascent ad business. Win-win. This is what the NFL has been finding every time it sells streaming rights to digital players over the years, including Yahoo, Twitter, Amazon, and Google. While we are here, a couple other notes: Read the original article onKeyCorp stock underperforms Thursday when compared to competitors despite daily gains
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