David:
Thanks so much for writing and sharing your knowledge. I have found my latte factor. I would normally stay very late at work (until 8 or 9pm) each night. Once I did that, it was either too late or I was too tired to catch the bus or train home; so, I would take a cab. The cab ride was $7.00 a night / $35.00 a week / $1820 a year! I now get home in time to see my daughter and spend time with her and am no longer spending money on cabs!