Yup. Oil in coffee goes off over time. Grinding exposes far more surface area to oxidation and speeds up the process. Even sealed bags of coffee aren't sealed, they have a theoretical one-way valve to let the beans off-gas. Most of the gas comes out in the first week or so. I have no idea how good the valves are at keeping oxygen out. Open a bag of peanuts that have been sealed since packaging and smell the burn.
I have been in many a restaurant where they have preloaded several days worth of filters.
We have a grind as needed coffee machine at work.
Coffee is horrible.
The coffee is from Van Houtte so I should have known better.
Most of the people who do drink it show up in the morning with a Super Large Tim's or McD's and nuke it several time during the day.
The same people probably buy wine & beer based on the lowest price.
Don't get me wrong as I have had some fabulous inexpensive wines.
I had a '75 Maverick GRABBER, with a 250 6 cylinder
When it died it had a 300ci 6, 4 carbs, log ram intake, DUAL headers, cam, about a 50# flywheel, a Borg Warner T10 toploader trans and 456 gears.
The thing topped out at about 60mph at 4800rpm, came out of the hole at 4000rpm. NO ONE could beat me off the line (welllllll Frank Eliott and Doug Chaney (sp?) could beat me off the line, but they both ran Lenco's) (We were playing out behind Frank's shop one Thurs. evening, trying to see who shifted into second in the shortest distance. I was shifting at about 24". Doug was shifting at about 6", at about 7500rpm. He'd lift the front coming out of the hole and shift before the wheels hit he ground. COOL!!!)
One of my STUPIDER cars. It was a lot of fun, gas was cheap... it got about 3 miles to the gallon. Went through a LOT of tires. When I scrapped it, if you looked down the side of the car you could see the twist in the chassis.
To get back on track the money I save not having another high interest credit card balance will pay for 2 weeks in the Dominican Republic drinking great coffee in a beach front cafe in February.
Ever since the franchise was recently under new owners, the menu has deteriorated. As a formerly loyal regular customer I don't buy there anymore, this inflated interest charge on their cards would definitely be another log on the fire. There is profit which is good, and then there is unashamed greed. Good luck Timmy.
Back in the distant past I had a credit amount on my Visa card.
They paid me a whole 1/2 percent for the use of my money.
I am old enough to remember 22% interest was considered usury and came with a jail sentence.
Since we are reminiscing about the good old times does anybody out there remember 1974 Wage and Price Controls!!
IIRC the cc rates pre 1980 were limited to 13% but when bank rates went nuts in the early 1980s people were borrowing every cent they could on their 13% card and buying 18% GICs. Limits went out the window.
You've done a lot of research, Almost every credit card I can think of now has some sort of "rewards" so no surprise to see a Tim's card.
These "Branded" cards seem to be a trend towards younger clients that typically don't have a grasp on financial responsibility, so the 26% interest make a lot of sense as most users will likely not pay the balance off each payment cycle and I am sure Tim's get's a cut.
The best one I had was the GM Visa. I saved thousands on car purchases because they added up so fast. There were ways of selling the points as well. I figure I’m $5000 ahead. High interest rates don’t bother me as i pay off everything monthly.
I know of someone that pays everything including mortgage on a kickback card. They get a free trip south every year.
The best one I had was the GM Visa. I saved thousands on car purchases because they added up so fast. There were ways of selling the points as well. I figure I’m $5000 ahead. High interest rates don’t bother me as i pay off everything monthly.
I know of someone that pays everything including mortgage on a kickback card. They get a free trip south every year.
The other winner for kickback card is prescriptions. Run them through the card and get reimbursed by plan prior to bill coming due. Can easily be thousands a month extra washing through the card.
To get back on track the money I save not having another high interest credit card balance will pay for 2 weeks in the Dominican Republic drinking great coffee in a beach front cafe in February.
With a bit of effort and strategy, to determine which card to use for what purchase, and paying the bill off in full each month, it is always better, financially and otherwise, to pay for a transaction with a credit card vs. cash.
E.g. For each Tim's transaction, if you were to use an Amex Cobalt cc you would get 5% in Amex points that can directly be transferred at 1:1 ratio to Air Canada Airmiles. You get nothing back paying in cash. Infact, at a macro level, cash payers pay more vs cc payers for the same good because cash doesn't earn you any rewards.
I haven't paid for a flight ticket for myself, in years. Always rewards.
With a bit of effort and strategy, to determine which card to use for what purchase, and paying the bill off in full each month, it is always better, financially and otherwise, to pay for a transaction with a credit card vs. cash.
E.g. For each Tim's transaction, if you were to use an Amex Cobalt cc you would get 5% in Amex points that can directly be transferred at 1:1 ratio to Air Canada Airmiles. You get nothing back paying in cash. Infact, at a macro level, cash payers pay more vs cc payers for the same good because cash doesn't earn you any rewards.
I haven't paid for a flight ticket for myself, in years. Always rewards.
Definitely. In the past you couldn't pay for groceries with a CC because the transaction fee added to the cost and poor people w/o a credit rating were subsidizing the wealthier.
Some small shops charge 25¢ for purchases under five dollars. I also think the CRA likes card purchases as cash often goes in a special drawer. If a small store isn't family run the cash also can end up in an inappropriate pocket.
The other winner for kickback card is prescriptions. Run them through the card and get reimbursed by plan prior to bill coming due. Can easily be thousands a month extra washing through the card.
Don't get me started on where money is spent. BIL had varicose vein surgery. Conventional knife is covered but requires weeks of recovery and needs repeated every decade or so. Laser is one and done with a fast recovery but you need to pay many thousands for it if you want it.
Don't get me started on where money is spent. BIL had varicose vein surgery. Conventional knife is covered but requires weeks of recovery and needs repeated every decade or so. Laser is one and done with a fast recovery but you need to pay many thousands for it if you want it.
There should be two levels of card, say, standard and gold/platinum. With the premium card you get 2 free coffees a month. With the standard card you get 5.
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