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But smart gourmet coffee consumers have long known that premium coffee brewed at home costs just 12 cents or so per cup, depending on preferences for coffee strength.Many coffee producers recommend starting with 1 tablespoon of fresh ground gourmet coffee beans per standard 6 ounce cup of water.

In fact, according to a 2003 survey of immediate annuity owners by the American Council of Life Insurers (ACLI), more than a quarter of respondents (27%) were ‘concerned they may be unable to sell their annuity if they want the money for something else’ and 4% believe the decision to purchase an annuity was a poor one. It has little practical impact in protecting your private information and leaves companies with another vague regulatory requirement.