Rol up, roll up, the sale of this week is happening. and if you miss this then next week there will another etc etc.i believe it is about ( retail ) stock clearance to prepare for the stock that you bring in December/New Year ( at least in Australia )
so.. i get a discount if i order black coffee ??Back to cafe, which are as good a street indicator as can be for our cities:
And of interest is the breakup of a cuppa costs$7 coffees trigger cafe collapse
The past 20 years have seen a proliferation of cafes around Australia. When I moved to the Melbourne suburb of Ashburton in 2006, there were only a few cafes on the High Street shopping strip. In the years leading up to the pandemic, the number of cafes on or near the High Street strip increasedwww.macrobusiness.com.au
View attachment 190918
Found this informative after the recent exchange here with Mr @galumay
That's would I paid for a cappuccino in Melbourne CBD. Sunday afternoon with a weekend surcharge. I won't name the cafe but it's well known. If I had to pay $7 for a coffee everyday, I would provably invest in a nice coffee machine and DIY.Back to cafe, which are as good a street indicator as can be for our cities:
And of interest is the breakup of a cuppa costs$7 coffees trigger cafe collapse
The past 20 years have seen a proliferation of cafes around Australia. When I moved to the Melbourne suburb of Ashburton in 2006, there were only a few cafes on the High Street shopping strip. In the years leading up to the pandemic, the number of cafes on or near the High Street strip increasedwww.macrobusiness.com.au
View attachment 190918
Found this informative after the recent exchange here with Mr @galumay
as i did 10 years back when i was still drinking coffee .. and a couple of decent thermos flasks to keep some warm when working away from home ( just not so big on cappuccino , so less hassles to make )That's would I paid for a cappuccino in Melbourne CBD. Sunday afternoon with a weekend surcharge. I won't name the cafe but it's well known. If I had to pay $7 for a coffee everyday, I would provably invest in a nice coffee machine and DIY.
Same for me Always have a flask of hot water for morning crib and lunch.as i did 10 years back when i was still drinking coffee .. and a couple of decent thermos flasks to keep some warm when working away from home ( just not so big on cappuccino , so less hassles to make )
no make sense: 1 kg coffee @$25-> 50 cups or so 50c for a reasonably cheap beanso.. i get a discount if i order black coffee ??
the milk costing more than the actual coffee sounds like a stretch
Hey Divs you worked in the banking industry if I recall correctly?BTW that was one reason i did not invest in RFG , when i started investing ( i could see a long term trend of saving money by resisting visiting cafes )
@TimeISmoney I haven't worked in the finance industry but from what I have observed over recent times, if a dollar is earnt then $1.50 minimum is spent.Hey Divs you worked in the banking industry if I recall correctly?
Just a quick conundrum, do you think most Aussies live beyond their means?
Yeah it seems to be the way, disposable incomes drop and people seem to borrow more to try and keep the same lifestyle.@TimeISmoney I haven't worked in the finance industry but from what I have observed over recent times, if a dollar is earnt then $1.50 minimum is spent.
not exactly , at one stage i got to clean their server rooms and another stage cleaning two bank branchesHey Divs you worked in the banking industry if I recall correctly?
Just a quick conundrum, do you think most Aussies live beyond their means?
Well the BNPY and excessive "free" interest rates over a prolonged period certainly encourage over spending to a greater debt level I reckon.not exactly , at one stage i got to clean their server rooms and another stage cleaning two bank branches
however a former employer was at one stage a major( state ) branch manager before forming an auditing team ( to investigate anomalies inside a bank brand ) and then went on to buy a bank franchise ( and later move away from banking )
i was born to parents who grew up during the Great Depression and were still young adults during the second world war , so yes , in my opinion , a large number DO ( but a few are amazingly creative on getting by on low debt and a low income .. and more than 2 children )
but understanding how they got there ( living beyond their means ) is the master class in dark psychology ( OOPS !! i meant salesmanship )
it is easy to blame them ( the deeply indebted ) but most are not taught sound math and budgeting , worse still they are encouraged to take on education debt , i could go on and on .
now when i was young is was always 'naughty ' so rarely watched TV ( having being banned 99% of the time ) and TV was still in it's infancy
so i watched little TV , consumed some print media ( that i was selling at the time `) and that turned out to be a good thing , even now i rarely watch TV ( although i watched heaps of docos on pay-TV when holed up in the hotel
and YET TV ( and radio ) are supposed to be essential devices for your safety ( warning alerts and stuff ) while they addict you to over spending
so the question is .. what is essential expenditure to YOU ( everyone will have a different answer , but some answers will astound you )
can this cycle be unwound .. maybe but there are very wealthy individuals that are very happy with the status quo ( so powerful forces will resist the change )
now the question is are most Australians willing to try to live within their means ( despite heavy pressure to overspend )
when buying stuff i could not afford immediately , i would lay-buy ( something that may have disappeared now )Well the BNPY and excessive "free" interest rates over a prolonged period certainly encourage over spending to a greater debt level I reckon.
We have always only bought if the article product is needed and only then if the coin we have is enough to cover the cost.
Of course farm machinery is slightly different as it then becomes a tax dodge and is bought on agri el cheapo finance.
Well the BNPY and excessive "free" interest rates over a prolonged period certainly encourage over spending to a greater debt level I reckon.
We have always only bought if the article product is needed and only then if the coin we have is enough to cover the cost.
Of course farm machinery is slightly different as it then becomes a tax dodge and is bought on agri el cheapo finance.
well between 2011 and 2016 i used to buy ( invest in ) debt but after the Greece and Cyprus episodes , i had a re-think , and demanded higher returns for the risk taken , with extra changes after that i let the remaining ( debt ) investments mature or redeemI think there are 2 types of debt, good and bad debt. One type of debt you can make money from and the other is a loss.
These days you see people buy stupid things with credit, like holidays, and brand new cars as soon as you plonk your butt in the seat you've lost anywhere from 5 to 10k in a day.
well between 2011 and 2016 i used to buy ( invest in ) debt but after the Greece and Cyprus episodes , i had a re-think , and demanded higher returns for the risk taken , with extra changes after that i let the remaining ( debt ) investments mature or redeem
i guess that wasn't the 'good debt ' you were talking about , but there is increased risk now ,and would rather cherry-pick REITs an alternate to debt instruments
by the way , because i have rarely borrowed ( only for a block of land 1975 ) my credit rating is lousy ( how crazy is that )
an interesting future awaits us
How do you go about staying in a hotel or renting a car?i still don't even have credit card , i just don't need one
Food is where it's at right now. The burger market is saturated though. A burger place from the yanks just recently left (forgot the name).‘Best burger ever’: Crowds line up from 5am for Wendy’s opening
Customers have lined up since 5am for the opening of Australia’s first Wendy’s since the 1980s on the Gold Coast.
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