Viewing the 'General Musings' Category
April 24th, 2021 at 06:32 pm
I worked another late, stormy night with bad weather. There were tornado warnings & my mom texted to see where I was. I told her I was at work & she told me that I should stay there for a while. I told her that I had my co-worker there (I always work alone except for last night) and we were going to be there a few more hours. I ended up leaving after 2 a.m. and he was hoping to be gone within the hour. The rain was pretty heavy, but not nearly as bad as the storm a couple of weeks ago.
My co-worker was doing a big batch run (almost 200 patients) on the PCR analyzer while I was doing smaller runs on the quicker, but smaller capacity analyzer. They want me to come in again this afternoon/evening. We are staying so busy because we contracted with a film company. We are testing the entire cast & crew multiple times a week for COVID-19. Great for my cash flow, but I'm a little tired. I also have a 12 hour shift at the hospital tomorrow.
We had a quiet, but nice lab week at the clinic. I was talking to my manager about how event planning isn't my forte. She felt the same, but we got it through it successfully. On the career front, I qualified for an interview for a potential promotion. I owe a lot of people my thanks in the entire messy, complicated process. Our biannual lab next inspection has been scheduled & I'm looking forward to getting past that successfully.
My investments are at an all time high. I don't know where things will go from here with the changes being proposed, but I'm just chugging along & staying the course. I continue to vacillate between staying or selling my home. I am consistent about wanting to move forward on a few needed repairs, though they may wait until work is a little more settled.
April 14th, 2021 at 07:33 am
We had a good time celebrating my friend's birthday. The morning started out cool which was good, as it warms up quickly here. Even the drive there was enjoyable to me. I haven't been out of town since since March 2020. We met up at the parking garage then walked to the street fair downtown. It was 7 of us, as 2 weren't able to make it. Only one of us hadn't been vaccinated. We wore our masks. We had lunch at a restaurant under their covered patio. We shopped the street booths, took in some sights, then headed to an outdoor museum of an Acadian village. All in all it was a very enjoyable day & it was so good to be among friends again. I didn't find anything that I wanted to buy so it was the cost of lunch, museum entrance fee, & gas for the hour drive that was my total cost. It was worth every penny!
April 10th, 2021 at 03:52 pm
It's 10 o'clock in the morning & I'm just waking up. I didn't getting home until after 4 this morning, after getting caught in a horrible storm. So thankful to have made it home okay. I left & it was raining, but not horribly. By the time I got halfway home I had little to no visibility due to driving rain coming in waves, lights were going out as I drove putting everything in complete darkness, & the winds were terrifying: knocking traffic lights askew & debris across the road. I was shaking & praying the whole time. When I got out of my car I could barely see to unlock my door & I got drenched from head to toe in a matter of a few seconds. Still thanking God that I made it home safely. I never want to experience something like that again.
I worked so late last night (or rather this morning) because my third job picked up a major client. Just when I thought things would be slowing down due to vaccinations, I learn that not only is the Covid testing picking up, but also we will be getting mass collections. I worked every weekday except Good Friday & this Thursday and still made over 55 hours. That's the most I've made since I got hired a year ago & had to put in training hours. Thankfully I didn't pick up many hours at my second job. The only thing keeping me at my second job at this point is that I genuinely like the people.
I'll definitely have a nice chunk of change to send to my savings this month. I get 8 paychecks this month! My checking balance is at over $11k as I continue to have surpluses in my budget. My goal is to keep it at least $5k to avoid fees. As much as work I can't outwork my investments! They continue to grow. This week was a good week for the market, though Friday ended a little down. It's exciting to see people meeting big goals. I saw a few people become TSP millionaires this week. I know I'll get there, too.
Today I'll stay mainly close to home, cleaning up around my home. I'll also stop by to visit with my parents. Tomorrow I'll meet up with several girlfriends to celebrate a friend's birthday. It's my first social gathering in over a year. The birthday girl is staying two hours away, so we're splitting the distance and meeting up at a street fair in a city an hour away. We wanted to stick to something outdoors for safety, though I think most if not all of us have now been vaccinated. I hope the weather cooperates!
Net Worth: $1,248,369
April 8th, 2021 at 12:19 am
I was just reading this article:
Some of these changes would negatively affect me. The change in tax deductions on the retirement accounts as well as the estate tax.
I could easily see myself leaving having more than $3.5 million in my estate. Maybe that will just inspire me to spend it down in my old age! Hopefully they will meet somewhere in the middle of $3.5 and $11.7 million.
I also am in the 22% (probably more like 24% - I need to check my 2020 tax year H&R Block documents) marginal tax bracket so only getting a 20.5% credit would lower the tax advatange for contributing to my TSP. In a sense it violates Biden's promise not to raise taxes on those making less than $400k.
I definitely support making saving more advantageous for those in lower income tax brackets, but also know the reality of Americans' savings rates. Will that many more people contribute based on the change? So few contributed to Obama's MyRA program that they had to close it down due to costs.
I'll be keeping an eye out for other proposed changes.
April 4th, 2021 at 01:38 pm
I wish you & yours a wonderful Easter! Spending my day with my parents. We're having much of what we had for Thanksgiving & Christmas. I also ordered a strawberry pie from a local bakery. It's a light whipped dessert made with cream cheese & perfect for spring. The bakery was so busy yesterday! 🥧🍓
I attended an evening service at church yesterday. It was my first time in church in months, my first time since I've been fully vaccinated. It was a nice service & I hope to start attending more often. ⛪️
March 27th, 2021 at 01:09 am
I have applied for two promotions at my workplace. I would be happy with either one, but I am leaning towards the one that is more computer than lab. My co-worker has recommended me for the other position, however. I am honored that he thought of me & put in a good job word for me with my xxxxxxx. My xxxxxxxalso called to ask if I had applied for either position & seemed pleased when I told her that I had applied for both. Our xxxxx xxxxxxxxxxx has also inquired as to whether I would be interested in other positions. So fingers crossed & prayers prayed that one of them works out. It's funny, but just the thought of the opportunity to move up has made my days better. This week in particular has been peaceful, even though I've been crazy busy. I really just want to go out on a high note with a good inspection.
I made a lot of changes when I became lab supervisor. I had to take a fragmented lab & make it a cohesive core lab. None of the changes were easy & I didn't always have the support that I thought I should have, but I'm super proud with how I persevered. I learned a lot about myself & my character. I found out that I was a lot stronger than I thought. It has given me confidence.
The promotion would come with a small raise. No raises are big in government work, but it's sufficient for me.
I haven't done anything with the gift from my mom. I'm just sitting on it until I decide what to do. I think I'd like to fund my IRA for 2021, but maybe I should wait for a little downturn in the market.
I can't believe that it's just over one week until Easter! Time is flying by.
March 21st, 2021 at 04:38 pm
It's frustrating that this keeps happening.
March 17th, 2021 at 07:47 pm
I almost mailed my payment this week, think I'll hold onto it for a little while longer! New deadline is May 15th.
March 17th, 2021 at 12:03 am
Happy (early) St. Patrick's Day & may the luck of the Irish be with you! I've been reminescing on my trip to Dublin a little over 4 years ago. It was a great, but too short trip. I would like to go back & see the Irish countryside.
My goal was to have one thing done to my home each month & I've done nothing this month. I will reach out to some awning companies to get quotes. An awning is something that I've needed for 15 years now! I think it will cost less than my painting based on quotes I received a few years ago, but everything goes up in price, of course.
I really have blown through my FSA this year with my shoulder problems. It makes me all the more eager to sign up for an HSA eligible plan for next year. I have seen some progress. The worst of my symptoms will take longer to resolve of course. I had an appt with my primary care doctor today & I definitely need to get back to my lower carb eating. I'm disappointed that I have regained what I lost last summer & fall. Plus I'm not making as much progress in my Lyra classes & I attribute it to the extra weight. It makes moving around in the hoop harder!
Friday is my last paycheck of the month and I'll end it slightly in the red due to writing checks for my federal & state taxes for a total of $1,410. Next month is a 3 paycheck month.
Net Worth: $1,209,196
March 12th, 2021 at 05:34 pm
Getting the same error message this morning when I try to comment on blogs.
It's a non-payday Friday. My expenses seem so much lower now that I've paid off my debt. Now I only look forward to paydays because of my TSP contributions.
Did any of you listen to Chris Hogan from the Dave Ramsey show? He left the group this week. Someone had posted a blog from his ex-wife in a group a couple of months ago so I had a little clue that something was amiss. I never expected him to leave, though. I really enjoyed listening to his show. I play their recorded shows on YouTube while working. I hope Chris Hogan lands somewhere else so I can continue to follow him.
Mint has my one year gains as $430,699 so I know it must have been around this time a year ago that the market tanked. My year end 2020 gain was less than half that when everything recovered.
Net Worth: $1,201,959
March 6th, 2021 at 03:44 pm
I've tried to post comments on a few blogs & keep getting an error message to try again later.
February 28th, 2021 at 05:45 pm
It looks like we all have the same idea of posting our monthly reviews on the last day of February.
February was a spendy month. I paid $875 for the painting (expensive I know, but few painters are willing to deal with wallpaper & he ended up having to deal with two layers of wallpaper). It took him 3 days of prep before he could paint. I also purchased a few home items: rugs, trash cans, to improve the look & function of my home. I have a list of future home improvements & will try to get something done every month.
I also purchased more clothes last week than I probably purchased in all of 2020. Several tops on sale or clearance in anticipation of doing some job interviews. I am being optimistic, but they will be good purchases for career or when theatres re-open. (I miss attending shows!) The most expensive top was $16 and the least expensive was $8. I bought 5 tops, not including the 3 that I've already decided to return, but haven't yet picked up. A few of the tops have tie-backs so if I lose weight they will accommodate that.
Spring has come to south Louisiana. We now have highs in the 80's. I put my plant outside yesterday. It was one from my grandfather's funeral. I hope I can keep it alive, but I don't have a great track record with plants.
Last week was a good week if you had any investment purchases, with the market down it was a bit of a deal. I didn't have any of my automated contribution scheduled for last week.
Looking forward to this coming week I have my monthly savings coming out on the first, as well as my main credit card payment. I get paid on the 1st, 5th, 15th, & 19th in March. Investment contributions on the 5th, 15th, & 19th. I am on track to max out my TSP & IRA again this year.
Net Worth: $1,171,458
February 25th, 2021 at 12:01 am
The painting is done! I had him come back today & do some touch-ups. I was a little embarrassed to ask, but when you pay for professional painting you want it to look professional. I was satisfied with the touch-ups.
So that's two projects in two months. Kitchen cabinets in January, the bathroom painting in February. I think next month I'll focus on getting the awning installed. Clearly, I'm not going to be ready to put my home on the market as soon as I thought, but that's okay. I'd rather spread out the costs by month, plus I started physical therapy last week.
I'm paying $75 each visit for the first 4 visits, then the price goes down. I'm seeing a little progress already so that's encouraging. I chose the same physical therapy group that helped me when I was having back issues, so I am optimistic that I will have the same successful resolution.
I have an FSA, but I definitely underestimated my expenses for the year with this physical therapy, injection, and doctor visits. If I deplete my FSA this year I'm going to look at a plan that's eligible for an HSA. I looked at it last year, but I didn't want to lose the money in FSA, which was close to the maximum rollover value. I like the idea of the no rollover limit & being able to use it in retirement with the HSA. This will give me another tax advantaged vehicle to save in.
February 15th, 2021 at 02:52 pm
It is sleeting and 25 degrees here this morning. I have canceled both of my appts for today. I am not sure if I will go into work this evening. I am hunkered down & not looking to go anywhere.
I have read of power outages in other areas. Please stay safe & warm!
February 14th, 2021 at 09:09 pm
Happy Valentine's Day! Hope you stay warm with your loved ones today. We are expecting a freeze here in south Louisiana in the coming day or so. I have been staying warm inside, doing some laundry & cleaning. Tomorrow is President's Day so I have the day off, other than my initial assessment appointment for physical therapy and a consultation appointment with a painter.
I found a color for my bathroom walls at Sherwin Williams yesterday. It is called Maison Blanche.
I refreshed my accounts after Friday's market close. My IRA monthly contribution came out early due to the bank holiday.
Net Worth: $1,202,264
February 12th, 2021 at 05:21 pm
Unexpected pay day! At one of my jobs I am paid semimonthly: on the 1st & 15th, but I guess because it's a bank holiday on Monday I got paid early. I think, the stock market, may still be trading - at least for part of the day. They usually only close all day on major federal holidays.
This long weekend is actually a triple holiday weekend: Valentine's Day on Sunday, President's Day on Monday, & Mardi Gras on Tuesday! Oh, and then it's Ash Wednesday, of course. I should probably consider giving up sweets for Lent.
Mint sends me notification of various trends. Apparently I'm on a positive cash flow streak, which is why my checking account has continued to grow. I like to keep at least $5k to avoid paying fees.
I am considering paying my credit cards weekly. I know it doesn't make sense if I just pay them off monthly, but I'm feeling a little anxious after having paid off my credit card debt. I don't want to find myself in the same position again.
Next pay day is on the 19th. I am quickly approaching $1.2 million net worth.
Net Worth: $1,197,166
February 7th, 2021 at 03:23 pm
Not only have I paid off my credit cards, for a short while I actually had a negative balance as I paid more than my balance. I just did my own Dave Ramsey yell at home.
LivingAlmostLarge had another great survey post. I am resharing my answers below for posterity.
My parents retired with 2 pensions. One for 20 years active duty military. They were able to pay all bills with his military income while earning another pension of 20+ years working with the state. They didn’t need that much money in the bank, but working 20+ years without touching their salaries certainly allowed for it. My mom mostly stayed at home until all of us girls graduated high school.
I don’t envision myself retiring early even though I could. I have enjoyed my career & am looking forward to achieving more. I have the age of 60 in mind, which is still plenty young. I will have 30 years with the federal government so a good pension, SS supplement until age 62, and SS after that if it’s still available. I will probably wait until full SS age to withdraw depending on my health. I should have several million in my own retirement accounts as well. I am on track to be mortgage free many years prior to retirement, but I am planning to sell soon.
Net Worth: $1,180,104
February 3rd, 2021 at 11:26 pm
Thank you so much for your condolences. I truly am touched by your kindness & thoughtfulness.
My evening job has slowed down & I'm perfectly okay with that. I also took off February at my weekend job. I'm ready to scale back.
Today I sent a full balance payment plus 10% to my credit card. I really want to keep both credit card balances as close to zero as possible from here on out. I'm being very mindful of spending as well. I've noticed that I've been doing a little too much shopping online. I am paying the balance in full with each bill, but after working so hard to pay off $22k in less than a year, I don't want to end up back in the same boat.
My dad officially did my taxes after I ran the numbers through the calculator & it's what I expected. I will owe about $1400 between federal & state. I've been keeping $5k in my checking account so I'll be able to pay it out without pulling from my growing savings. I bumped my savings from $100 to $500 monthly at the first of the year now that my debt has been paid off.
February 1st, 2021 at 05:41 am
My grandfather passed away Sunday morning. I was at already at work when my mom called before 7. I'm glad that I got to say goodbye Saturday. I also called my sisters so they could say goodbye, even though he wasn't responding yesterday. My mom said he was talking Friday. I am at peace that he was ready to go & that it was his time to go. He was my last living grandparent.
My parents got their vaccine yesterday. They got Moderna. I'm glad that all 3 of us have been vaccinated. Their second shot will come in 4 weeks, I believe.
I can't believe that it's already February!
January 31st, 2021 at 02:19 am
My grandpa wasn't breathing well this morning. We went to visit him. Other family members dropped in & out. The hospice nurse told us not to stay all day, so we came home. I don't know if she said that for our benefit or his.
My parents are getting their vaccines at Walgreens tomorrow. Not sure if it's the Pfizer or Moderna. My mom mentioned it during a family group video chat & I forgot to ask with all the conversation happening.
With my credit cards paid off I feel like I can take my foot off the gas with all the hours I've been working. I have a big inspection coming up in March so I'm taking February off at the hospital. I'll definitely need more time to get my condo ready as well.
Market has been down, but not horribly so. That GME spectacle was something to witness, for sure.
Net Worth: $1,130,760
January 30th, 2021 at 04:05 am
They sent my grandfather to a hospice home rather send him home with a hospice nurse, which is better for all involved. My mom went today to pay for his funeral. It was better to do it now, rather than wait. Even if he makes a complete turnaround, that's one less thing for my mom to have to contend with when he does eventually pass.
I ran my numbers through the H&R Block tax calculator. It says I'll owe $1355. Not bad. I'm glad that I had them withhold an extra $100 per paycheck at my third job. It really softened the blow.
I now owe less than $1k on my credit cards & I consider them paid off! My balance will never be $0, so keeping the recurring balance under $1k will be my goal from now on.
I'm so glad that after temps in the 70's last week, it feels like winter again. A very mild winter, but winter nonetheless.
January 26th, 2021 at 11:04 pm
My mom called me at work this morning to tell me that my grandfather wasn't doing well. I left work to take her to the hospital. Though we thought he could have more than one visitor a day since leaving ICU, it's still only one per day. They made an exception today and both my mom & my uncle were able to visit. I still haven't seen him. The would like to arrange a hospice nurse for him. It's so strange because although he is 90, until the last month or so he was so healthy. The last time I took him to a doctor the doctor mentioned to me that he was very thin, but he always been like that. He lost weight so quickly once he started to have issues, and again, he didn't have anything to lose. We just want him comfortable for as long as he has left with us. They took him in for another surgery Sunday, but we don't want them to keep performing surgeries.
In financial news, I have received all of my income documents for the year. Still need to upload a few other statements before my appt. My dad mentioned that I would be able to deduct my charitable contributions last year even if I didn't exceed my standard deduction. That's good. I continued to give to church & the local food bank. I still have a feeling that I will owe.
I think I mentioned that I bought a SodaStream during the Christmas sales. I finally just tried it today. I had bought a couple of zero calorie flavors through Kohl's. I can't wait to try it after it chills. I love my sparkling water & will enjoy being able to make my own. And yay for less waste!
Net Worth: $1,168,011
January 23rd, 2021 at 07:25 pm
Yesterday was my dad's birthday. My mom wanted to buy my dad some lottery tickets for his birthday so I went & purchased 10 MegaMillions tickets. Somebody in Michigan won the entire $1 billion jackpot! I didn't even know that the jackpot was so big. I asked the cashier for Powerball tickets & she asked me if I wanted Ppwerball or MegaMillions. The lady behind me told me that the MegaMillions jackpot was much bigger so that's what I bought.
I had to work last night so we are ordering dinner from a local restaurant today. I will pick up a cake at Fresh Market. I gave him a $100 gift card to a local Italian restaurant as a gift. I also gave him a variety of K-cups & more of the Jelly Belly recipe mixes that they got as a Christmas stocking stuffer.
My grandpa was moved from the Critical Care unit to a step-down unit yesterday. He can now have more than one visitor a day, though I'm sure that they will still have some additional Covid precautions. I am now 2 weeks past my second dose of vaccine, but still unsure if I should visit until he is stronger.
January 21st, 2021 at 04:08 am
Monday was the federal holiday to honor Rev. Dr. Martin Luther King Jr. I took off Tuesday & Wednesday as well. My friend was here each day doing work on my house. I had my kitchen cabinets & a few doors painted. Everything looks nice. Looking forward to getting more done in preparation for putting my home on the market. Still have more to do.
I was inspired by Monkey Mama's chicken fajita subs so I made a recipe I've tried before & really enjoyed: chicken fajitas made in the oven on a sheet pan. Turned out great once again & I ate them on whole wheat flour tortillas.
I was up early enough to watch the inauguration events starting with Trump's departure from the White House. I'm glad that everything went off without incident. All the ladies looked so lovely & everyone seemed to be on good spirits. I liked seeing the gifts presented to the President & Vice-President. I'm be never seen that before. It reminded me of the feeling in the city during Obama's inaugurations. I attended both.
But today was mainly a wonderful day because my grandpa is still with us. He was rushed to the hospital yesterday evening. The doctors had an idea what was wrong, but couldn't be sure without performing exploratory surgery. Problem was: he's 90, his heart briefly stopped during a procedure last week, and he's lost so much weight that he isn't even 100 pounds. So one doctor wanted to go ahead, while the other doctors weren't sure he would survive. I spoke to my aunt, who is making the decisions because my mom was too upset. We both agreed that among the choices not doing anything was not an option. We weren't going to let him suffer. So my aunt gave the okay. Miraculously, he survived the surgery & they were able to fix the issue which was as they thought. He has a road ahead of him, but we are happy that he is still with us. Today was a wonderful day!
January 4th, 2021 at 09:28 pm
My stimulus posted to my account today. They are certainly getting these payments out quickly this time!
January 2nd, 2021 at 03:31 am
We made it to 2021, woohoo! 🥳🎉🎊🎆
I am looking forward to achieving these goals in 2021:
1. Finish paying off credit card debt.
2. Contribute maximum to TSP.
3. Contribute maximum to Roth IRA.
4. Contribute to savings monthly.
5. Give to church monthly.
6. Donate to charity monthly.
7. Apply for promotions.
December 31st, 2020 at 05:33 pm
Happy last day of 2020! It's been a tough year for many & I'm happy that so many will be able to turn the page on what has been a difficult year.
My sister lost her mother-in-law on Tuesday. They had a very good relationship, which is not always the case with daughters-in-laws and mothers-in-laws, so she was very upset. Praying for my brother-in-law, sister, and my niece & nephew to ease their pain.
I got paid my final paycheck of 2020 today so I can start crunching my final numbers. I hope that the market ends on a high note!
I met with a real estate agent yesterday & signed the agreement for her to be the listing agent today. I also unexpectedly sold 2 candles on FB Marketplace yesterday. I sold for the same amount that I initially declined from another buyer, but I'm even more ready to pare down now. Contemplating contacting the interested party to see if her offer is still good. She was interested in buying 5 candles.
I will do my 2021 goals in another post tomorrow. Happy New Year!
ETA: I also just sent $1,500 to my Roth IRA today to complete my 2020 contributions. Now I can start out fresh in January, without playing catch-up.
December 28th, 2020 at 03:50 pm
It's almost 2021 & time to reflect on the wins & losses of 2020. 202 was a very good year for me with few losses except for a couple of canceled trips, which actually ended up being to my advantage.
1. Paid off my TSP loan. I took out a loan of $30k in the autumn of 2015 to pay off credit card debt. I buckled down to pay it off early in May 2020.
2. Paid off my car loan. I had an accident (not my fault) in November 2015. The insurance company totalled out my 2008 Toyota Corolla. I put $10k down on my Honda CR-V and financed $20k at 2.19% for 73 months. I buckled down to pay it off a year early. I hope to keep this car for at least 5 more years.
3. Probably my biggest debt win this year was the $22k in credit card debt that I had earlier this year. It's now down to $2k and I will pay it off next month. That will mean a lot more money to rebuild savings and explore stock investing. I am recommitting to paying off my cards every month.
4. I worked a lot! I made approximately $30k at my side hustle jobs. Since so many of my plans were canceled: trips, dance classes, theatre season tickets, I was able to maximize my time to earn more.
5. I lost some weight. I've gained some of it back, but am recommitting to healthier eating in 2021.
6. I had $0 savings at the beginning of the year. I now have almost $3k in savings. It's not a lot, but it means I won't have to get a loan from my mom again if I have to replace my A/C or some other home repair pops up. I have recommitted to saving monthly. Again, this will be easier with less debt payments.
7. And finally, I passed $1 million in net worth in September. Earlier this month I achieved $1 million held in investments only, not including assests such as my home or car.
Here's to an even better 2021!
December 25th, 2020 at 06:40 am
I fell asleep, but fireworks woke me up.
I got my last two paychecks from first & second jobs. We got our performance awards on this paycheck and I maxed out my TSP with a final contribution of $700. Next year I will be back to contributing $750 per paycheck. This year I had decreased, then increased, contributions to accelerate debt payoff. With my debts largely paid off I can go back to my usual equal contributions.
I worked today, which was declared a holiday, so I'll see more pay on my next check. Then I get my step increase & whatever annual increase on the check after that. With the relief bill they are allowing federal employees to pay back the payroll deferral over the year, rather than by April. That sounded good at first, but I think I'd rather pay it back sooner personally.
My lab supervisor from my second job texted me this morning about all the gifts that had been left in my locker. I thought she was texting me to see what days I could work next month. It was very nice all the things she mentioned: gifts cards, earbuds, B&BW, ornament. No gifts from my third job, but I appreciate the flexibility & good pay they provide throughout the year. That's the best gift!
Merry Christmas to all! 🎄🌟
December 21st, 2020 at 03:58 pm
It looks like both parties have agreed to a second stimulus package. This second round will be half of the first round at $600 and based upon the same income limits as the first round. I haven't read how quickly it will be sent out, but I thought the idea was to have something in place before the end of the year. I suppose I can use it to either shore up savings or put towards my IRA. That's not really stimulating the economy, but that may be the wrong word for a relief package. What are your plans for the money if you qualify?