I always hear about people's debt from student loan. I've been going to college since Fall 2001, and working on my B.S. in Business Administration, concentration in Accountancy. So far, I have no student loan, and I will not have any.

I earned my A.A. degree from community college. Tuition was so cheap, especially when I went back to school in 2001, one unit was only $8. So, I paid $24 for my history class LOL My textbooks were so much more expensive.

I paid my own money for first two years or so. It wasn't a big deal at all. I was taking two classes per semester, so the cost was less than $500 per semester. Since I was in my 30's and always worked full-time, I had enough saving to cover the cost.

Then, I applied for tuition reimbursement program at work, and it was approved. My employer pays up to two subjects per semester, for tuition and books.

I don't know how much my out of pocket expense was for my community college days, but it was really cheap because my employer paid most of it.

Then, I went on to the State University where tuition is much more expensive. It came really handy to be in the tuition reimbursement program. I didn't pay a dime for my first semester because I only took two subjects to see if I can handle both work and school. Since I was doing ok, I took more classes and paid my own money which was about $500 per semester for tuition.

Now, I'm at a point I can take only two subjects per semester and will graduate in a reasonable time frame. I know I will have to take three classes in Fall 2008 or Spring 2009, but that will be the only semester I need to pay my own money. The rest is covered by my employer.

All and all, I think I will spend about $3000 (or less) of my own money to get my upper division done.

So, if someone is working full-time, and thinking about going back to school, I recommend to look for a company with tuition reimbursement program. It's also tax free money for an employee.

Actually, this is one of main reasons I am staying with current employer LOL

I finished my finals last Tuesday. Yesterday was the last work day of this year. 2007 is almost over.

I am still waiting for my grades to be posted. Two of four subjects were posted today, and I got an A for both of them. I am selling my textbooks and posted them in Amazon. Two of them were sold alreay and I made little over $100 already. Not bad.

As for my $200 spending plan, I decided to go to Hawaii LOL Aloha air is offering an insanely cheap price of $180 one way from Sacramento to Honolulu. I booked the flight in January, and paid $413 for it. So, my $200 went towards half of the airfare.

I have a friend in Hawaii, and staying at her house. I've been wanting to visit her for a while but I could not justify to pay $700 or $800 for airfare. I can live with $400, though. I can't wait! I LOVE Hawaii.

Since I don't have school nor work, it gives me some time to clip and organize my coupons. I am staying away from stores as much as I can this time of the year because it's just too crazy. I will hit stores after Christmas when everything will be 50% to 75% off.

I visited my friend last Saturday. She was taking a test to be a certified QuickBooks person because they need more income, she said. The story she told me was scary.

Her husband had a grandfather who lived in San Jose, Cal. Having a paid-off house in San Jose automatically makes people a millionaire. Her husband counted on inheritance when his grandfather passed away. Unfortunately, it didn't happen and the money went to his father. Oh, let me rephrase it. Her husband did not get as much as he expected. He got a decent chunk of money, if I remember right, almost 100K.

The thing is, both my friend and her husband cannot manage money.

They originally had 2000 sq. ft house. They have 3 kids, and the house was "too small." So, they bought a bigger one. But, they didn't like the location. (Well, they picked the lot!) And, they bought another huge house, counting on money coming in from inheritance. Actually, they got some money because they put a beautiful pool in their backyard that had to cost more than 40 or 50k. But, that was not enough for them.

Her husband tried to talk to his father who inherited the rest and ask for the money, but his father is not giving him a dime. I don't blame him. Where does it end? They need to learn to be responsible, and I would do the same if he was my child.

She told me their mortgage plan in one of those interest only type, and after five years, the payment will go up. They have only 2 years left. If they switch to 30 year fix, their monthly payment would be $5,000!!! By the way, she does not work.

I could not find any word to tell her. What can I say other than, oh my god.....

12th was my B.D., and I told my husband I want a Roomba for my B.D. We went to Linens n Things today to get it. Ohhhhhhh! I wish I bought it earlier. I LOVE LOVE LOVE it!

I'm still debating how to spend MY $200. One idea is to go out and eat sushi or something. I won't do anything till my finals are over, though.

My 401K is doing good, not as good as last two or three years, but still good for me as long as it is growing, not shrinking. The account balance grew about 20K this year.

I received my incentive pay-out letter. After paying tax & 401K contribution, I still get about 2K. Nice thing is the pay-out is on 12th that is my birthday. I feel like I received a nice birthday present.

Here's the magic number. 20K growth in 401K, 2K bonus, so, I decided to give myself $200 reward. I mean, "I can totally waste it if I want to" kind of money. Saving and investing is out of picture. It has to be fun and rewarding. What would you do with $200?

By the way, the rest of my bonus will go towards my tuition for next semester ($1300), and $500 will be spent towards holiday gifts for my family and friends.

It's Friday. It's payday. So, I splurged a little.

Breakfast: I got myself a Grande caramel latte from Starbucks, and bought a dozen donuts for co-workers. My intern asked me "Why did you bring in donuts?" I said "Because I felt like it." If $6 makes everyone in my office happy, I'm very happy : )

Lunch: Went out with my friend, and had a nice juicy Avocado burger. $6.79 with a drink. We talked about going skiing sometime soon. Tahoe area finally got some snow, and I'm so excited!!

I was looking at the stock chart of my former employer. I worked for them from 1986 to 1999, and stock split five times while I worked for them. I participated employee's stock purchasing program, but I was in my 20's and wasn't making a whole a lot of money, so bought 10 stocks here, 15 stocks there. Those small investment grew over time with multiple split, and they were worth about 35K by the time I left the company. It gave us a nice start when we moved to the States with nothing but some cash in our hands.

Thinking back.... everything is about timing, and I really feel there's the God somewhere. My family struggled financially because my father passed away when he was 43. I was 18, and my brothers were 13 and 11. My mother never worked before. While my mother moved away with my brothers to live close to her family, I stayed in the area because I was going to school there. I had NO money. I was working as a waitress at night, and hated my life.

I was still saving, though. I worked at the restaurant on Navy base, and I could earn tip. (We don't tip in Japan.) I normally received about $10 to $20 a day, and saved most of it. I saved about $2,000 after two years working there, and took a trip to San Francisco where my DH is from.

Finding a job with my former employer was a totally serendipity. I don't even know why they hired me, but my life became so much better after I started working for them. People were super nice, and the pay was good for 20 year old girl. I met many nice people there, made long-time friends, and it was financially rewarding, too.

As long as I keep walking on the right path and don't do anything stupid or destructive, I guess there's someone out there who will help me during rough times.

And this is a really sad one.

We ordered flowers for a funeral that will be held on Saturday. Our friend's daughter passed away two days ago. She was 17 years old and had been fighting with leukemia for more than 2 years.

Chemo worked for the first time, but the cancer came back. She caught phenomena and did not make it this time.

It is really sad to experience loss of such a young person. I really feel sorry for her father who was very close to her, and loved her so much. I don't know what to tell him...

I'm very thankful that our daughter is very healthy. I cannot imagine losing a child. Just a thought itself almost makes me cry.

I didn't do much today. It was pretty low key, quite day.

I went to Safeway this morning, got 2 gallons of milk, 2 loaves of bread, 5 boxes of granola bars, a case of water, and a newspaper. I also got my latte, there.

At Safeway, I bought 4 boxes of Nature Valley granola bars. Sale price is 4 for $10, and the register takes another $4 off when you buy 4 at once. So, the final price is $1.50 per box. Not super great, but cheap enough since my DD takes them for her lunch.

I also checked Rite Aid's ad for this week, and they're running "Spend $100 and get $20" promotion starting today. I hope they will have some good rebates going on in December to make the deal sweeter.

We've been eating leftover all day today. Leftover ham for breakfast, turkey for lunch, beef dish, mashed potato and veggies for dinner.

I still have more ham and turkey I don't know what to do with!!

We are visiting out friend's house tomorrow, and I was assigned to do some appetizers.

I am planning to bring:
Clam Dip
Onion Dip
Guacamole
Three types of chips
Veggie sticks
Garlic cream cheese & Basil spread
Bre cheese
Salami & Cheese on Crackers

If these are not enough, I also can make some Bruschetta. I have some basil and tomatoes anyway....

I already made clam dip and onion dip today. I will cut up some veggies tomorrow, and make garlic cheese spread.

I hope people will like my appetizers.

Happy Thanksgiving, everyone!!

This weekend was really busy one.

I had a class yesterday morning, and another commitment in the afternoon. We will have a guest from Japan next week, so I had to clean the house.

My DH and DD went to the field show for DD's Marching band yesterday, and didn't come home till 1:30 am.

Today was another cleaning day. And, I will have my cost accounting exam tomorrow, so I was studying here and there, finding some time between chores.

I managed to go to Longs and Target. We were out of paper towel, so I really had to buy some.

Longs
Viva paper towel $6 x 2 ($3 rebate)
Eggs (one dozen) $1.19
Alagio shampoo $3.99 (FAR item)
Healthy gums rinse $7.99 (FAR item)
Two newspapers $.99 x 2
Used $5 off cpn from Entertainment book
Tax $1.52
Paid $23.67 and will receive $14.98 in rebate
oop $8.69

Target
Shower curtain liner $9.99
Daisy sour cream $1.27 x 2
Less Target coupon .75 x 2
Less manu. coupon .50 x 2
(Final price is 2 cents for 8 oz tub)
Rayovac AA & AAA batteries
$1 x 4
Less Manu. coupon $1 x 4
Tax $1.01
Final price $11.04

Yesterday was no spending day : )

Lunch: Left over chicken dish
Dinner: Pork cutlet, salad, kabocha-pumpkin flitter, rice

I will do some shopping today as we are really low on laundry softner. Actually, we're using our last box. I will go to Walgreens and buy 8 boxes of Snuggle fabric softner. I just received coupons I ordered yesterday for the softner.

$1.99 x 8 = $15.92
Less .60 x 8 = $4.8
Receive $5 catalina
Final price $6.12. 76.5 cents per box.

I also need to buy DH's deodrant. He is VERY particular about the deodrant he uses which I can hardly find any deals : (

Some people were talking about the increase of food price in their blogs. Yes, they're up.

I just came back from Safeway, and prices are higher than before.

Milk is now $4.49 per gallon. I always buy 2 gallons at once because my husband and daughter drink milk every day, and I get discounted price if I buy two. Price for two is now $6.39. It was less than $5 not too long ago.

I mainly bought meat and vegetables today. I have enough stockpile for other items. I still spent $54.71 which is a lot for me.

This includes Tri Tip value pack ($13.89 at $3.99 per lb. Regular price would have been $26.07.), stew meat $2.99 and Pork loin $3.34. The value pack of tri tip will make at least four meals for us.

I should sit down this weekend and plan out the meals for the week.

I stopped by AM/PM which is the cheapest one, and their price is $3.29 a gallon. I filled up and paid $40. This will last me 4 days for commuting, 33 miles each way.

I stay in the office during my lunch time these days because I don't want to use any extra gas.

This morning, one of TV news was talking about possibility of gas price hitting $4 a gallon. Of course, higher gas price bring everything else up, including grocery.

There's no public transportation around here, and even they had one, I will not use it because my office is located in one of dangerous places in the city.

Maybe I should set up a saving account to get myself a Hybrid car.

OK. I needed a break. I ate dinner at the university cafeteria last night and bought a cup of pumpkin cinnamon latte this morning. I will get paid tomorrow, so I thought I'd give myself a little break from being so tight.

Gas price has been going up like crazy. It's about $3.25 a gallon around here. I drive over 60 miles every day, so it really hurts. I used to have a carpool buddy, but she moved away : (

I really need to go grocery shopping today. There's nothing in our fridge now. Since I have been pretty busy, I wasn't in the mood to do anything. No deal hunting, either. I haven't been to either Walgreens nor Rite Aid this week. Maybe I will make a quick trip tomorrow....

We got our operations management exam back. I scored 93%, and it was the highest in the class. I'm happy, but he doesn't curve. That means I cannot slack off for my final exam. I don't have to write any more papers for the class which is a relief.

Stopped by Walgreens and got a new type of Purell for free using $2.5 Walgreens coupon and $1 manu. coupon. I have three more manu. coupons, so I will go there and get three more.

I should just walk there since the store is in a walking distance. I need little exercise anyway.

I have been so busy lately. All I do is go to work, go to school, and come home. I cannot believe it's almost Friday.

Here's my week recap for spending.

Monday: I took my friend out to lunch. She helped me by editing my papers for college classes. I promised her I will buy her lunch because she helped me so much. I used an Entertainment cpn that was about to expire. $8.20 for both of us.

Tuesday: I had to go to San Francisco to renew my daughter's passport. So, this was the biggest spending of the week. Fill up on gas even the gas tank was half full, because everything is so much more expensive in bay area. Gas $22.76
BART from Richmond to Embarcadero. $7.40 round trip.
Toll $4
Grabbed a coffee cake and a cup of coffee. Approx. $5.

Wednesday & Thursday: NSD.

I'm done with my mid-terms! Yay!!!

I took my last mid-term on Saturday morning. I felt like I used all my energy and I felt really exhausted after that. Fortunately, I've been doing pretty good on all the subjects I'm taking. So, I think I can relax a bit from now on.

Since I was focusing on my exams, I did a minimum deals last week, even though Walgreens had a super good deals last week.

On Saturday (the last day of sale cycle) I bought:
3 Crest tooth pastes $1.99 x 3 = $5.97
Less Walgreens store coupons $1 x 3 = $3
Less Manufacture's coupons $1 x 3 = $3
Final price Free

2 bags of M&M Dark chocolate
$2.5 x 2 = $5
Less Walgreens store coupon $2
Less manufacture's coupons $.75 x 2 = $1.50
Final price $1.50 for two bags

Tylenol Allergy $4.99
Less Tylenol printable coupon $5
Final price Free

I knew I could get 4 Excedrin for free, but didn't even bother getting them.....

Then, I recouped my energy yesterday afternoon. I went to Rite Aid. My Sunday paper didn't have a Rite Aid Weekly ad, but I knew there were some FAR this week. It turns out it was really worth a trip because they had many FAR items available. Also, L'Oreal Vive Pro shampoo & conditioners are BOGO sale this week. So, more free shampoo and conditioner!

It was kind of a quiet weekend. No too much was going on.

I decided to go to Rite Aid at the last minute on Saturday evening to see if they have any FAR items left in their shelf. To my pleasant surprise, they had most of them. It seems that they stocked up their shelves pretty well this time around. I got 11 FAR items worth $63.19 this week. Most of them are cold related items, so I guess I'm ready to catch cold LOL (I just don't have time to be sick, though.)

I spent most of my time reading the textbook for cost accounting yesterday. We have a test on Wednesday and I need to prepare for it. It is not a difficult class, but still have to study. Actually, it's an interesting subject and gives me some good ideas I can use at work. Went to Safeway for grocery shopping and used $10 off with $50 cpn, and $4 off catalina I got from buying cream cheese. Bought some necessary items, like milk, cheese, chicken, ground beef, pork, vegetables, etc. Also checked prices of some items. Paid $46 after using coupons, and my receipt said 48% savings.

There are some good deals going on this week. I didn't have time or energy to do it yesterday.

Some Tylenol products, Excedrin and crest toothpaste can be free at Walgreens. Target have some cheap candies (less than 20 cents per bag after coupons),free Excedrin, and cheap granola bars. Egg noodles are $10/10 at Safeway, and I have few .50 cents coupons make them 50 cents per bag. I need to plan my shopping trip.

I went to PBWC (Professional Business Women's Conference) a couple of days ago. It's a great event for women, great key note speakers, multiple sessions, etc. My company hosted few tables for us, free seminar, free food : ) (Actually, I go to these events for free food LOL)

Anyway, one of sessions was about personal finance and the speaker was Sharon Kedar, the co-author of "On my own two feet."

Well, it was o.k. Yes, just ok. She didn't talk about anything I didn't know. Save for EF, retirement, save XX% of your income, blah, blah, blah. Also, she only referred the page number for her book to answer a couple of questions from audience. I know she wants to sell her book, but I thought she should have answered the question, not just telling us, "Oh, that's a great question. Actually, you can find your answer in the page 103 of my book!"

I would much prefer to go to a seminar about "How to find the greatest deal and coupons."

Sometimes I wonder about the life without couponing and how lucky I am to find the website about couponing a couple of years ago. It changed the way I shop completely. I used to think $1 store was a good deal, or getting a cleaner for $1.99 was a good deal. Now, I look around my house, and there are so many things I got for free or really cheap with coupons. Dish soap, dishwasher detergent, laundry soap, cake mix, flour, tooth paste, tooth brush, shampoo, conditioner, body soap, salad dressing, deodorant, razors, hair spray, hair color, make up, bathroom cleaner, furniture cleaner, cereals, oatmeal, crackers, butter, soup.... the list goes on and on and on and on. It sure made a huge difference in our grocery bill.

Funny thing is, many people are not willing to take advantage of it. I don't understand why. It takes less than 30 minutes to go through inserts and find the coupons I use and cut them up and put them in my coupon folder. I am not a hard core couponer, so I don't hunt deals like some ladies do. And I know I am missing out a lot of good deals, simply because I don't have time to do it. I still save a ton of money. I hope more people realize how much money they can save by using coupons and paying attention to deals.

DD took a driving test this morning, and passed! She is an official California driver now. No more driving her around. It feels strange....

KRAFT promo is still going on at Safeway, and it got better. Now, they're giving out a $4 catalina for cream cheese purchase.

I bought 6 tubs of cream cheese (8 oz)
$2 x 6 = $12
Less $4 from the Promo
and got $4 catalina.
Final price 67 cents per tub.

Time to make some cream cheese wonton!

How to make cream cheese wonton
You need: Square wrap, cream cheese, water, and some vegetable oil.

Scoop small cube of cream cheese and place it in the middle of a square wrap. Wet edge of wrap (water works as glue) and fold it in half. Deep fry till golden brown. Serve with Jalapeño jelly while they're still warm.

It's our benefit enrollment season and I'm thankful both my husband and I work for companies offer good benefit packages.

I set up a worksheet to see what is the best arrangement for us. Since both companies charge more to cover spouses who have the health insurance coverage from other source, my husband and I will use our own employer's benefits.

Yearly premium for my husband is $4,893 and he gets $3,939 credit from his employer. So, his out of pocket is $953 a year, about $40 per pay. ($80 per month because he gets paid twice a month.) We will only cover him with his plan because if he covers our daughter, our out of pocket will jump to $1,973 a year. That's $1,000 more a year.

My yearly premium covering my daughter and I is $7,239 and I get $6,582 credit from my employer. My yearly out of pocket is $656.5 for both of us. (DD & I)

All and all, medical insurance premium for three of us is $12,132. Less credit from our employers $10,522. Our out of pocket is $1,610 a year. ($134 per month) We can live with that, and I am very thankful for our employers for offering such great benefits.

I could not see my husband's other premiums (like dental and vision) because his enrollment doesn't start till next week. We need to sit down and figure out about other insurance and FSA as well.

We just received our energy bill (both electricity & gas). My husband opened the envelop, and told me "You are not going to believe this." I was like, "What? What?"

The bill was $96 and this is the lowest as far as I can remember since we moved in this house!! I haven't seen two digits energy bill for a looong time. Thanks for nice weather (no A/C or heater needed) and we were careful about running a washier, dryer, dish washier, pool pump, etc.

This is a nice saving because I normally budget $250 for our energy bill. (Yes, that's our norm, and I talked to neighbors, and they're in the same range or even more.) Our DD is taking a driving test on Monday, so our insurance premium went up significantly. We also need to pay pro-rated premium for the remaining period, which is $557. We can use the savings from energy bill to pay a part of insurance premium.

This week is the homecoming week for our DD's high school. Students started constructing their float this Saturday, and pretty much finished on Sunday. That's pretty impressive because they have two more days (Tue & Thurs) for it, and the float looks really good.

Since our DD is in charge (she is the class president) of the event, it puts some burden on us as parents. We had to obtain some materials for the float. That means we had to pay for them first, then, get reimbursed. I know we will get a check from school in two weeks, but the amount is almost $400. Good thing we had some extra cash this month. Of course, we are not the only family who is supporting this activity. There are other families waiting to get reimbursement, too.

We are really proud of our DD putting all this together successfully, though. I just hope she will have nice memories from her high school days.

Can I just say where did my time go?

We were supposed to get up before 7 today because DD had a marching band practice from 7. Well, we woke up at 7.... I drove her to school in my pajama, looking like, well, just woke up. When we got there, my friend looked at me, and said "I like your hair." LOL

Came home and my turn to leave for school. Guess what? I got in a minor car accident. I was waiting to make a right turn because the signal was red and waited cars to go by. Then, I felt "bump!" This woman behind me thought I left already and went forward, and hit my car. Fortunately, it was really minor and my car only got some scratches. Anyway, I asked her to show me her driver's license and got her name and address.

What bothered me a bit was when I asked her phone number, she gave her mom's phone number. (The lady is in her 40's!) I am really regret now that I didn't get her insurance information because I was in a hurry for my class, and, I was just not thinking through.

I will go to the auto body shop and get an estimate. One more thing to be added to my to do list

Fiscal year end is over, and numbers are final. I can breath a little now.

I went to pay my tuition yesterday, and paid off the rest of installments. $693.

I came home, checked mail, and found a mailer from Safeway that had $10 off from $50 purchase coupon. I was going to go grocery shopping anyway. Whenever I get this type of store coupons, I buy things I cannot find coupons, such as vegetables and meat, etc. So, I bought chicken, ground beef, baby back ribs, some veggies, milk, and OJ.

For dinner, I cooked tilapia that I bought and prepared at the dinner prep place. I will not sign up this month because I could not find anything attracted me in this month's menu.

I also baked a loaf of cinnamon bread using muffin mix, some cookies, and pre-cooked spare ribs for today's dinner. I have a class tonight, so I had to prepare something last night. Otherwise, my DH will just order pizza or something.

Yesterday was also store flyer day. Not much in Save Mart nor Safeway. But, Raley's had some good deals. They are giving out a free case of water (24 bottles) with 12 Del Monte product purchase, and canned veggies (60 cents each) are included in their participating products. My daughter's school runs a can drive every year and I have to donate some canned food anyway. I was totally out of canned veggies, too. Time to stock these babies up!

It was crazy busy yesterday. My company's fiscal year ended in September, and I had a lot of journal entries to do in order to expense many things. I started at 7:30 a.m. and couldn't take any break till 4 p.m. So, I ate my lunch at 4 p.m.... 25 cents Progresso soup comes handy in this type of occasion.

I also have school on Monday night, so I was at school from 6 to 9. I was exhausted by the time I got home.

It's time to make a to do list since I feel many things are slipping.

Things to do:
1. Send out rebate forms for Longs and Walgreens Due 10/6
2. Change an appointment for my daughter's driving practice
3. Obtain a passport application for my daughter
4. Order a birthday cake for my daughter
5. Pay tuition for my school Due 10/5
6. Order new contact lenses
7. Finish my tax project Due 10/8
8. Write about "supply chain mgmt" Due 10/5
9. Contact my partner about the debate for our philosophy class Debate on 10/25

Oh, I almost forgot, but Target have Gold Fish crackers for $1.25 this week. There's Target coupon for 50 cents off, and manufacture coupon to use with. Get some cheap Gold Fish.

I'm on my little weekend trip with my daughter and a couple of her best friends. This trip is her 16th birthday gift.

We left Sacramento this morning, stopped by Outlet in Vacaville for few hours. Then, drove through Golden Gate Bridge and took route 1.

It was a beautiful Saturday afternoon drive, and traffic was not bad at all. It is just beautiful here.

We will go to Monterey aquarium tomorrow. Girls are really excited about it.

I will be working on my homework and project, though.

This trip will cost quite a bit, but I clip coupons and save money in other areas so I can do things really matter to me.

The wonderful "Buy 20 get $20 off" deal at Safeway ended yesterday. I stocked up some Capri Sun, and I was done with the deal. With Kellogg, Quaker, and Safeway deal, I'm stocked up on cereals, oatmeal, granola bars, fruits snacks, Capri Suns, Progresso soup, and cake/muffin mixes. We will be fine in the breakfast and snack dept. for next several months.

Now, I'm keeping my eyes on cold medicines for upcoming winter. Walgreen's was giving out an immunity booster by Thera Flu last week and I wish I made an efforts to get more. I only got one just see what it's like, and it really worked well. I like Thera Flu in general, and I actually "pay" for them.

We got our cost accounting test back, and I got 91% which isn't too bad. Only 4 people got more than 90% for the test, so I'm happy with my score. Now, I'm working on my tax project which isn't going too smoothly. I always used Tax software when I filed my tax, and ours isn't that complicated like the case in project. I need to ask my classmates how they're doing. I have one paper to write by Friday, and need to watch my philosophy class video.

As for work, we are wrapping up for the fiscal year end. Next week is going to be pretty crazy closing all the numbers. We missed the sales target, but we are fine with the profits. So, I'm not too worried. I'm just watching movements of my business assets nervously.....