There is almost no gold in it. 18k gold is 75% gold by weight, not volume. Apple created an alloy that, in addition to the normal metals, is mostly lightweight ceramic.
At the time I was surprised there wasn’t a class action suit. They were charging an amount that was in line with real gold watches and yeah the “gold” part was 75% gold by weight but it was such a departure from anything else ever called 18k gold it just seemed like a straight up scam to me.
It’s hard to get a good return on your investment in residential real estate without using leverage.
For instance: You don’t buy one place outright. You buy 5 with 20% down. You may not have positive cash flow, but at long as it isn’t negative not only do you get all the increase in value, you also get more equity every month as the tenants pay your mortgages.
If you bought it outright and over some period of time the tenants have paid your entire investment and the price of the property doubles, you doubled your money. If you buy 5 and over some period of time the tenants pay your mortgage and initial investment and the properties have doubled in value you have increased your initial investment 10X. And before the big expensive renovations come in, you can sell and buy something else if you’re not equipped to deal with that.
Also if you are just breaking even to get free property but you want to start getting passive income, after a few years you can refi to a longer term and lower your mortgage payments to get in the black every month.
This isn’t advice, fuck anybody buying up single family homes to rent, just showing one way they can generate both wealth and passive income for nothing. Literally nothing if they’re using a property management company.
Fuck anybody buying up single family homes to rent. I know I already said that, but it bears repeating.
Adagio.com
From cheap to very expensive and everything in-between. Big resealable bags to get the per cup price down. Having a couple small canisters you can refill from the bags makes it so you don’t open the big bags too often, if you did it every day it would probably get stale.
A very generous reward program that basically gets you 10% back.
And they always give me a few samples with each order. I’ve been turned on to some new stuff that way.
I usually get a few big bags of my staples (which are medium price) and some smaller weights of nicer stuff for when I want a really good pot.