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Combined Grinder Coffee Makers vs. Separate Grinder and Coffee Maker vs. The Benefits of A Keurig?

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Benefits of a Keurig

Coffee consumption is on the rise in the US. In a recent survey, 64 percent of Americans age 18 and up stated they had at least one cup of coffee the previous day. Based on data from the US Census Bureau, that means that around 150 million people had a cup of joe.

When it comes to making your own coffee, there are quite a few options. You can grind your own beans, buy ground coffee, or opt for convenient pods. But, when it comes to getting a quality cup of coffee, which option is most cost-effective? Are certain coffeemakers better than others?

With so many options on the market, you have a lot of choices for controlling your costs and creating an ideal cup of coffee. Here’s how you figure out what’s right for you.

Ground vs. Whole Bean Coffee

Your biggest ongoing expense when you brew coffee at home is the coffee itself. Typically, outside of pod form, you have two options: ground and whole bean.

Ground coffee has already been through a grinder and is ready for use. You simply place it in the area of your coffeemaker designated for grounds (usually in a coffee filter), and there’s no extra work.

Whole bean coffee must go through a grinder before use. Many people attest that grinding your own coffee creates a fresher, more flavorful cup of coffee.

Usually, whole bean and ground coffee have similar prices per pound, though the exact cost varies by brand and size. Store brand coffees in either form may be only $3 per pound. However, specialty or rare coffees can run much higher.

For example, Kopi Luwak whole bean coffee, often considered the most expensive in the world, can run almost $400 per pound.

While coffee prices vary, you can typically find similar prices for ground and whole bean variants. However, if you choose whole bean, you’ll need a grinder.

Combined Grinder Coffee Makers

A combined grinder coffee maker has a bean grinder built into the machine. That means you don’t need two separate appliances to enjoy freshly ground coffee.

The cost of these coffee makers tend to be a little higher than regular drip models since they are more complex. However, that doesn’t mean they are unaffordable.

For example, you can find a Hamilton Beach Grind and Brew Single Serve Coffee Maker for under $100. This can be a great option for individuals or couples that don’t need an entire pot of coffee at a time.

The Krups Grind and Brew Automatic Coffee Maker, which can make a full carafe, is often available for less than $140.

If you want more features, the Breville BDC650BSS is a great option. You can choose from eight strength settings and hold up to ½ pound of coffee inside the machine. However, it does come with a nearly $300 price tag.

Regular Drip Coffeemakers

For those who use ground coffee or prefer a separate grinder, then a regular drip coffee maker is the direction you need to go.

Prices for a drip coffee maker can vary, with some available for less than $20, like the Black+Decker 5-Cup. Low-cost machines don’t have the bells and whistles of their more expensive counterparts. Options like setting an automatic brew time typically aren’t available. However, they can still produce a reasonable pot of coffee.

If you want additional features, like delay brew or larger capacity, you usually need to spend between $50 and $100 to get a quality machine. The Mr. Coffee Optimal Brew 10-Cup Thermal fits right in that price area, and it brews up to 20 percent faster than certain competitor units.

When you cross over $100, you get even more options. The Cuisinart DCC-3200CPAMZ PerfecTemp 14 Cup Programmable Coffeemaker gives you the ability to control the brew strength and adjust the warming temperature.

Separate Grinders

If you use a drip coffee maker but want to freshly grind beans, you will need a separate grinder. You can find many to choose from for under $15.

The Mr. Coffee 12-Cup Electric Coffee Grinder offers a large capacity and multiple settings. This makes it not only cost-effective but also pretty high-quality.

If you want additional grinding options, spending over $40 isn’t uncommon. The Cuisinart DBM-8 Supreme Grinder is just below $45 but offers 18 different grind settings. Plus, you can set it to grind for the equivalent of anywhere between 4 and 18 cups of coffee brewed, giving you a lot of options.

Benefits of a Keurig Coffeemaker

Keurig quickly took the world by storm once it hit the market. These machines provide a quick and convenient way to brew a single, fresh cup of coffee at any time. So what are the benefits of a Keurig.

From a cost perspective, you can find Keurig coffeemakers at a variety of price points. For example, the Keurig K15 is an entry-level model. You can easily find it under $100, though, at times, you can buy one for less than $60. In many cases, it’s still noticeably more expensive than the cheapest drip coffeemakers. However, the brand has a strong reputation, so you should get enough use to justify the price.

The Keurig K475 is on the higher end of the price scale, usually coming in around $250. For that price, you do get additional features. Along with a bigger water tank, you have options like strength and temperature control. If you have a multi-person household, you can also brew an entire carafe at a time, as long as you have the right pods.

Overall, the price range of Keurig machines isn’t unlike other coffeemakers, so you aren’t necessarily spending more to enjoy the convenience.

Where Keurig gets expensive is the pods, called K-cups. One estimate showed that if you use K-cups, you pay the equivalent of around $40 per pound of coffee, though the exact amount varies by brand and whether you buy in bulk.

If you want to keep the cost of your coffee down, you do have options. One of the easiest is to buy reusable K-cups. These mesh containers allow you to put any ground coffee into the basket and brew your beverage using the Keurig. This is another great benefits of a Keurig Since you can get a 4-pack of reusable K-cups for around $10, that is a cost-effective option.

Which is Most Cost-Effective?

When it comes to machine costs, it depends on whether you use ground coffee or whole bean. If you like to grind at home, then a combined coffee maker or drip version with a separate grinder can come in around the same price point.

Keurig machines start at a higher price than drip coffee makers but aren’t outside of the usual range by much. However, if you use K-cups, you could spend a lot more on coffee than if you use beans or grounds.

If you want to keep your Keurig costs low, opt for the reusable K-cups and purchase ground of whole bean coffee. Otherwise, just make sure the additional expense fits in your budget.

 

What kind of coffee maker do you use at home? Tell us in the comments below.

 

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Most Americans Don’t Have a Financial Plan But Should

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Most Americans Don't Have A Financial Plan, But Should

Do you have a financial plan? A real, written plan with goals, targets, and timelines, not just “I plan to stay out of debt this year?” If you have no such plan, well, at least you have plenty of company.

According to Charles Schwab, only 25 percent of Americans have a written financial plan. The good news: Schwab’s 2018 Modern Wealth Index survey shows that investors with a written plan tend to have greater fiscal discipline and better money habits.

A written financial plan is the monetary equivalent of an exercise buddy who works out with you, motivates you to stay on track, and occasionally swats Oreos out of your hand.

It serves as a template to remind you of your financial goals and keeps you from frivolous spending (the monetary equivalent of Oreos).

Why You Need a Financial Plan

The Schwab poll finds that, compared to non-planners, planners are far more likely to pay bills while still saving money every month (75 percent to 33 percent).

They are also more likely to have an emergency fund (65 percent to 24 percent), life insurance (62 percent to 39 percent), and an overall feeling of financial stability (62 percent to 32 percent).

Conversely, only 38 percent of planners live paycheck to paycheck, as opposed to 68 percent of non-planners.

Unfortunately, financial planning is perceived to be a rich person’s tool. Approximately 45 percent of non-planning respondents believe they don’t earn enough money to warrant a financial plan.

Comfort Versus Wealth

Given that respondents define financial comfort as $1.4 million on average and wealth as $2.4 million, many Americans look at their accounts and conclude that financial planning is not for them.

That premise couldn’t be more wrong. If you have less money, isn’t it even more important that you plan and use your money wisely?

Financial planning doesn’t have to be complicated – and it doesn’t even require professional services. While it’s best to consult with financial professionals, and low-cost options are available, just under half of survey respondents created their financial plan without professional financial assistance.

Other Roadblocks

Other survey roadblocks to financial planning include a lack of financial understanding or lack of confidence. It never occurred to 20 percent of non-planners to make a financial plan, and another 20 percent claimed to not know how to make one.

If you’ve read this far, you know the importance of a written financial plan – and if you don’t have one, we can provide a simple guide to starting one.

Start by defining your goals. Are you saving for a home? Planning to send kids to college? How about retirement and emergency funds? Do you plan to pay down debt? Once these goals are written down and quantified, you can prioritize your goals and start funding them.

Create a Budget

To allocate money to any goals, you need a budget that provides a surplus. Lay out your monthly income and regular expenses. Don’t forget to include annual expenses, such as property taxes.

If you don’t have enough of a surplus to meet your goals – or you don’t have a surplus at all – look for places you can trim your spending and ways to increase your income. Reconsider your goals if they don’t seem realistic.

Now comes the tricky part – executing your plan. It takes willpower and financial discipline to avoid overspending and create savings. Use your written plan to remind you that you have greater goals. Plenty of online resources are available to help you adjust budgets and plans.

If you need more help with financial planning or executing your plan, seek the assistance of a qualified financial professional. They aren’t just for millionaires.

This article was provided by our content partners at MoneyTips. Photo ©iStockphoto.com/gpointstudio

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How Much Do You Save (or Spend) After You Lose Weight?

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<img src=" How Much Do You Save or Spend After You Lose Weight?.jpg" alt”showingapersonwearingveryloosepants">

About one in three Americans are obese, and around half of them are trying to lose weight.

Dieters are typically motivated by health concerns and the desire to look better; usually, the issue of cost doesn’t even come into things — whether reaching a lower weight saves money or whether the efforts to get there cost more money.

Ultimately, how much you save or spend depends on your unique situation as well as your approach to health. Although you might spend less money on some things, that money may well go toward other costs, resulting in everything canceling out.

Save on Groceries

There’s substantial debate regarding whether eating healthy costs more than not doing so. Actually, it can actually go either way, depending on what you buy and how you shop.

Many convenience foods, like frozen burritos, are relatively inexpensive, but they aren’t particularly healthy. However, making your own also doesn’t have to cost a fortune, as long as you are smart about how you shop.

If you want to eat healthier meals while keeping costs low, then shopping sales is the best approach. Leading grocery stores often use loss leaders, which products discounted below the store’s actual cost, to attract shoppers.

In many cases, staple foods, including meat, produce, and dairy, make appearances on the loss leader list on a regular cycle.

By learning to identify loss leaders, you can save a substantial sum — regardless of what you weigh.

When a preferred meat goes on deep discount, stock up and then freeze all of the portions you won’t eat right away. If a fresh produce item goes on sale, design your meals to feature that fruit or vegetable.

If you pay attention to sales, you can make the cost of eating healthy more affordable. Plus, as you lose weight, you can typically decrease your portion sizes.

When it comes to meat, don’t assume that a single piece from the package is the right size for you. In many cases, you can cut these in half, letting something become two meals instead of one.

Similarly, by making your meals heavier on produce heavy — such as by eating a salad at every meal — you can further reduce costs. Typically, greens are fairly inexpensive, so making them the bulk of your plate makes saving money easier.

Save on Medical Costs

Losing weight can really save you money on health care. Obesity increases a person’s risk for conditions like type 2 diabetes, heart disease, stroke, and certain forms of cancer. Treating serious, and often chronic, conditions is pretty expensive, so losing weight can reduce your medical expenses.

The average savings: $1,429 annually — that’s the difference between medical costs for the obese and people at a healthy weight.

If you keep the weight off, then the savings on health care really add up. If you maintain a healthy weight for 20 years, you’d save $28,580, based on the average above.

Now, this doesn’t mean you should forgo regular doctor’s visits to help save money. By getting your annual physical, your doctor can spot potential issues early, potentially lowering the overall cost of treatment.

Spend More on Fitness

Many people who lose weight decide to invest in exercise equipment or gym memberships. In many cases, these come at a substantial cost; depending on the average cost of living where you reside, monthly dues can easily cost $50 to $200 a month or more.

Fortunately, you can rein in some of these expenses too, starting with checking out more affordable alternatives like the YMCA or Planet Fitness.

Another way to save money: Purchase exercise classes in video format, including live-streaming services like Class Pass Live.

Free Fitness Alternatives

You can also find fitness videos for free on YouTube — typically posted by instructors who are trying to promote an offline business.

You can also forgo pricey equipment altogether, even when strength training. Body weight exercises like push-ups are incredibly effective, and you don’t have to spend a dime on gear to do them.

New Shoes and Apparel

One expense that should be shouldered when you start an exercise routine is a quality pair of shoes. Having the right shoes for your activities helps reduce the chance of injury, decreasing the odds that you’ll incur an unexpected medical expense.

You don’t necessarily have to spend hundreds of dollars to get good shoes. If you shop sales or use discount retailers, you can save a bundle while still getting a high-quality pair.

Wardrobe Spending

When you a substantial amount of weight, your clothing size is going to shrink right along with your waistline. Typically, this means you’ll need to refresh your wardrobe. Otherwise, your current clothes may appear to swallow you up, hanging baggy on your smaller frame.

The cost of acquiring a new wardrobe can vary dramatically. If you are open to shopping at thrift stores or consignment shops, you can get yourself set up pretty cheaply.

This approach is incredibly beneficial if you are still losing weight. Since you may need to pass through several sizes during your weight loss journey, avoid splurges until you reach your goal.

Tailoring After You Lose Weight

Similarly, getting larger clothes tailored to fit your new frame could give you an opportunity to save. Whether this is an option depends on the quality and structure of your existing clothes, as well as how far they need to be taken in. But, if you have items you love, it’s worth exploring.

If you prefer high-end department stores or fancy boutiques and are opposed to buying used, clothing expenses can be significant. However, you can lessen the cost by focusing on sales or seeking out your favorite brands at discount retailers.

However, you might be able to recoup some of the costs by selling the clothes you no longer wear, although it might take time to achieve.

After You Lose Weight…

Ultimately, by losing weight, you can save money over the long-term. However, you have to be a smart shopper, such as by focusing on loss leaders and sales, to make it work.

Additionally, you need to be willing to invest in the right areas to improve your health. Otherwise, you could end up spending more money than you saved in the first place.  s.

Readers, what kind of experience have you had with weight loss — and how did your finances change afterward?

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losing weight tips, saving money while losing weight, spending money while losing weight

Your Dad Might Like These DIY Father’s Day Gifts

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<img src=" DIY Father’s Day Gifts.jpg" alt”tablewithgiftonit">

Don’t get sucked into the marketing hype around the holiday coming up this Sunday: Your dad might appreciate presents that you make more than anything you buy in stores — DIY Father’s Day gifts turn out to be more fulfilling for all involved.

You end up saving money because you can probably make these gifts with items you already have — or for a minimal investment. Plus, these efforts usually don’t require a lot of skill nor time to pull off, yet the result ends up being truly special.

DIY Father’s Day Gifts

Here are 10 different gift projects you still have time to complete in time for Father’s Day.

Customized Coasters

Your dad might appreciate a set of customized coasters. One way to make them begins with unfinished wood slices.

Create unique designs on them following a single theme. You can use paint or a wood burner, either freehand or using stencils.

Another approach involves putting photos into premade glass coasters. This takes less time and artistic effort to complete.

Necktie Pouch or Case

A necktie pouch is like a change purse made from a tie — a very masculine way for a man to hold on and keep smaller items secure. This gift is ideal for dads who travel or need help staying organized.

You can use an older tie — find one at a thrift store, or purchase a cheap one on Amazon. Even if you don’t know how to sew or don’t have a sewing machine, you can still put this together with minimal effort.

You can also make an eyeglass case from a tie, and you don’t even need to make any major cuts to the material aside from trimming the narrow end. In addition to sewing, you’ll need to find a snap or velcro to give it a way to seal up. Use a set of glasses to help you determine what size to make the case.

Tablet Case

If you’re handy with a sewing machine, consider making a tablet case. Choose a type of fabric that won’t scratch the device.

Essentially, you just need to create a pouch with a closing flap — look up the dimensions of the device he owns so you can make a pouch that’s the right size.

Focus on his favorite colors to make the gift special, or add a monogram to the front, so everyone knows not to touch his tablet.

Barbecue Rub

If your father is a barbecue maestro, consider creating a custom rub for all of his grilling needs. You can find a number of recipes online, allowing you to choose one that speaks to his taste. Then, just put the spices in a glass mason jar or similar airtight container, add a personalized tag, and you’re done.

Pre-Shave Oil

This one’s pretty easy: Simply mix one part grapeseed oil with one part olive oil. Then, add a few drops of essential oil, like sandalwood or cedarwood, and mix thoroughly. Put it in an attractive glass bottle (preferably brown in color) and add a label.

Beard Balm

Moisturizing balms are great for rough and unkempt facial hair, while also benefitting the skin. All you need to make this gift is ¾ ounces of beeswax, ½ ounce shea butter, a ½ cup olive oil or grapeseed oil, some essential oils — such as bergamot, clove, or lavender — and a nice tin to put the final product in.

This one takes a little bit of time to prepare: use a double boiler to melt the wax. Then add the oil and stir to combine. Then add the shea butter. Stir it all together, add a few drops of his favorite essential oils, stir it again, and then pour it into the gift tin.

Popcorn Seasoning

You might be able to make popcorn seasoning with ingredients you already have on hand. Then, all you need is some spice containers.

Not sure what to make? Try a spicy mix: Combine 5 teaspoons of salt, 2 teaspoons of garlic powder, 10 teaspoons of chili powder, 5 teaspoons of cumin, and 5 teaspoons of paprika.

Looking for something with less kick? Here’s a savory flavor: Combine 1 teaspoon of salt, ½ a cup of grated parmesan cheese, 1 teaspoon of garlic, and 4 teaspoons of dried thyme.

Grilling Supplies Rack

If your dad likes to grill, he might appreciate this gift that you can make from wood scraps or pallets.

Just nail a few boards together and affix supports on the back. Add some hooks on the front, and paint a fun message on the front. Don’t forget to add a way to hang the board on the back so he can display your gift on the wall.

Why Not Try?

All of the DIY Father’s Day gifts above are fairly easy to make, and they don’t require a big investment. Why not give one a try? Your dad will probably love it.

Readers, what kind of plans are you making for Father’s Day this year?

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Where to Find the Best Deals on Beach Towels

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<img src=" Best Deals on Beach Towels.jpg" alt”blueandwhitebeachtowelswithsunglassesontop">

Roughly 60 percent of Americans plan to take a summer vacation this year, and a lot of them intend to go to the beach. Throughout the year, about 58 million people visit the beach, according to the U.S. Census Bureau.

Although not everyone considers beach towels a necessity, they certainly serve a purpose. They’re larger than the ones you keep in the bathroom, so there’s room for lounging on them.

Since beach towels are usually seasonal items, getting them at bargain prices is ideal — here are a few pointers on how to do that.

Don’t Buy Them from Tourist Traps

Any store that looks like a magnet for tourists headed to the beach probably won’t save you any money. You pay more for their convenient location than the actual quality of the beach towels you might find there.

Try other types of retailers located away from beaches and resorts. Better yet, shop for beach towels before you leave for vacation and you’ll probably get more reasonable prices.

You should find some of the best prices on beach towels at large chain retailers: Right now they start at about $6 at Walmart and Target.

If you can wait until the end of the summer and hit Dealslands, you might get them even cheaper on clearance.

The Best Deals on Beach Towels

Otherwise, you might find even lower prices by shopping online, especially at Amazon, where the prices tend to be low year round. The site is currently offering packs of two beach towels for less than $13 and free shipping with a membership in Prime.

Almost as good: Overstock has packs of two beach towels for just over $20 and four-packs for about $42.

In many cases, free shipping means you might be able to have the beach towels delivered to your vacation hotel.

Wherever you decide to shop for beach towels, you’ll find better deals if you comparison shop first.

Readers, where have you found the best deals on beach towels and other summer items?

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Insurance For The Underinsured, Ethos Insurance Review

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https://www.getethos.com/?ref=savingadvice

No other financial product provides the kind of security you get from life insurance. It helps beneficiaries during truly painful circumstances. Sadly, most adults either don’t have life insurance or have insufficient coverage for all of the things that arise in bereavement and its aftermath.

There is a new player in the life insurance arena. The name of the company is Ethos and their goal is to get you insured quickly, affordable and easy.

Is Ethos Reliable

Many people worry about the reliability of new insurance companies. The following industries have put their faith in this company:

  1. Munich RE
    Reinsurance Partner
    Reinsurer ranking: #1 globally
    In business: 137 years
  2. AON
    Business Partner
    Insurance broker: #1 globally
    In business: 35 years
  3. RGAx
    Business Partner
    Life insurance in force: $3 trillion
    In business: 44 years

With these type of industry partners, you should feel pretty safe giving Ethos an opportunity to cover you as well. The have very strong coverage. Check out who they’ve partnered with to ensure you will always be covered.

Strong Coverage

Ethos also derives strength from a partnership with Assurity, a leader in the life insurance space. Assurity has been in business for over 100 years.

Underinsured? Ethos Life Insurance to the rescue.The partnership enables Ethos to cover a wider range of applicants.

Ultimately, getting a policy through Ethos is simple. You can get covered in as little as 10 minutes, giving you the ability to secure your loved ones’ finances.

Plus, there is never any commitment to buy simply because you request a quote. Ultimately, it gives you the power to find the right policy for you, whatever that may be.

If you have anyone depending on you financially, you owe it to them to not be underinsured. Ethos can help. Find out more about how you can close this gap by clicking here.

Underinsured? Ethos Can Help.

Ethos has been breaking down the barriers that made it hard for families to secure life insurance, especially the tedium of the application process. It used to take weeks before an applicant could find out if they qualify for coverage in the first place.

“Applying for life insurance is a cumbersome experience,” said Richard Hu, vice president of partnerships at Ethos. “Weeks of back and forth with an agent, doctor’s appointments, and paperwork are the norm.”

Ethos uses modern technology and an intuitive user interface to drastically reduce the time to apply for coverage: as little as 10 minutes.

Substantial Coverage at Lower Prices

Ethos provides term life insurance, which is ideal for people who want substantial coverage at low costs, according to Investopedia; these policies tend to have lower premiums and more generous coverage amounts than other types of life insurance.

You can get a $25,000 policy for as little as $6 per month through Ethos. For those who require more coverage, policies are available up to $10 million.

The typical Ethos customer is in their 30s or 40s. Usually, this is the time when people are raising children and paying a mortgage, so having sufficient coverage is a must.

However, even people in their 50s can benefit from term life insurance. As Hu points out, “If they are taking care of an elderly parent, then they may need some life insurance to provide some security for them.”

Additionally, life insurance can be used to pay for final expenses, such as funeral costs. This allows the customer to ensure that there is no burden on surviving family members.

Matching Customers to Policies

When a potential customer contacts Ethos for a quote, the price is often a big concern.

“Most people are price sensitive. Their budget helps determine their policy amount,” said Hu.

Ethos gathers basic information, such as age and gender, and then recommends three different policies at various price points.

Name Your Price

“You can also name your own price,” he added. If a customer chooses that option, a policy is created based on those requirements.

So, how much life insurance should you opt for? Hu said that you don’t necessarily need to buy as much as salespeople used to suggest, which was seven to 10 times a person’s salary.

It can certainly be less than that, since the customer’s budget and life circumstances are more important considerations.

For example, individuals over 50 without children and who have a paid off their mortgage might not need much life insurance at all.Underinsured? Ethos Life Insurance can help.

Instead, they may only need to cover final expenses and any other costs they don’t want to offload onto their families after their passing.

Families First

A driving principle at Ethos: Customers’ families comes first. That’s why the company goes out of its way to make its insurance accessible, easy to understand and honest.

Ethos prides itself on providing top-notch customer service — made possible by different management strategy than what other insurers use.

Like Hu explains, “Our staff isn’t paid by how many policies they sell or how much the policy is worth. Once the incentive is removed, you free the employee to offer great advice that can really help the client.”

“They can focus on making the customer happy and ensuring they don’t feel like they are being taken advantage of.  The customer success agent is empowered to help families find the right policy for them, no matter what that may be,” he said.

 

Readers, do you have any life insurance, would you consider Ethos? Let us know in the comments below

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