Category Archives: Small Business

Small Business Owner – It’s Always Something

It has been crazy busy the past several days. My office partner at the day job is out on vacation. Adding her responsibilities to mine, I barely have time to breathe. In addition to her workload, which is similar to mine, she also does additional reports. I am not familiar with them, so it takes me longer to complete.

Additionally, she is pregnant. While I’m happy she is having a baby, I’m NOT looking forward to carrying the additional workload during her eight to twelve week maternity leave. I will be surprised if anyone at the day job offers help.

My side hustle is a mobile DJ company. Having a small business is a challenge. It’s always something.

As is common for entertainers, it is “feast or famine”. Spring and Fall are the busy times of year for me. This October is the busiest so far. I have had my small business for three years. I currently have eighteen (18) events scheduled in October. This includes eleven (11) weddings.

Thankfully, I have another DJ who works with me. However, as those of you who have employees or contract laborers know, that brings it’s own set of challenges.

DJ B has been pretty dependable so far. However, he did get the flu earlier this year, and was unable to do a midweek corporate gig. DJ B called me that morning, while I was at my day job, “Brother, I can’t even get out of bed. I’m running a 103* fever, have sweats and chills, and am dizzy every time I stand up. I can’t do the gig today.

8-(

Panic time! That was about two hours before the gig was to start, and I’m at my day job for another seven hours. Happily, I had been performing as a DJ that week at my day job, for our annual employee appreciation event. I had to work overtime, doing my “real job”, plus performing four times over three days, for 1500 people over all three shifts. In lieu of overtime pay, I got comp time.

Guess what I did with my comp time. Yep, I left the day job, performed the retirement luncheon at the other company, packed up, drove back to the day job, set up, and performed again. 🙂

I booked a homecoming dance about two weeks ago for October 18th. I performed at Prom in April for this school and they LOVED it. I am also the paid announcer for their home football games. I offered to do Homecoming, but never heard back. Two weeks ago, the coordinating teacher calls and says, “We’d like you to do Homecoming“.

Great, but I’m already booked for a wedding, where the Ceremony is at 4 PM at one location, the Reception is about 45 minutes away at a second location, and DJ B is doing a wedding at a different location. However, I really don’t want to risk another DJ company coming in, doing Homecoming, and taking Prom by offering a crazy low price. I’m still the new guy in town, so I’m fighting to get market share from the local “big dog”.

The fun of being the small business newcomer.

So, I call DJ C, a guy I’ve worked with before, give him a verbal confirmation, and book the dance with the teacher. A few days ago, I text DJ C that I’m still waiting for paperwork (the teacher’s email is not working), but that the dance is still confirmed. DJ C says, “I didn’t hear back from you, so I’m booked elsewhere. I didn’t think it was for sure.

Geez… Why didn’t you call me before you booked the other gig? >:(

Over the weekend, I tried to reach DJ T by phone, email, and text. Nothing. I waited as long as I could.

Yesterday, I called DJ D. One of his guys is available, but the price is $200 more than DJ C, which seriously cuts into my profit. I’m providing the sound system. All DJ D has to do is roll in and perform, but I’m in a jam, so I gotta pay the price.

The fun of small business. 🙂

Mentors – Who Represents Your Business?

Mentors in small business can affect your bottom line!

Everyone has mentors. Some mentors teach you what to do. Other mentors teach you what NOT to do.

At 18, I got my first “real”, full-time job. The company serviced offshore oil rigs, and the drilling crews who lived and worked there.

Mentors are everywhere - photo of offshore oil rig

Mentors are everywhere, even in the oil field

When you are 100+ miles off the coast, working seven days a week, 12 hours per day, you don’t have time to “hit the drive-thru” for a burger after work, go grocery shopping, wash your laundry, or scrub your toilets. You’re too busy chasing black gold, pushing pipe, and swinging from the monkey board. You work hard, in all kinds of weather, at all hours of the day. It is good money, but you earn every dollar!

So, my employer provided kitchen and housekeeping services for drilling companies. We cooked, washed dishes, swept, mopped, changed and made beds, washed towels, sheets, and laundry, scrubbed toilets, and so forth. We were like the hotel staff for an oil field “resort”.

Yep, I was 18, and had hated washing dishes and cleaning my room in my parent’s home. Now, I was doing it as a full-time job. I’m sure my mother probably enjoyed the irony. 🙂

The training mentors were older and “wiser” in the ways of the world. Most had been through various jobs and marriages before ending up on a “resort” in the oil field. Like the roughnecks they served, they worked hard, lived dangerously, and partied like rock stars when they made it ashore.

Most of my training mentors didn’t pay much attention to me, the skinny, awkward “man”. They didn’t take an interest in me as a person, and they didn’t make a long-term impression on me. However, some twenty-five years later, I still remember one mentor.

The oil rig I was working on at the time was a few miles off the coast of Louisiana. In that part of the world, good Cajun food is a requirement, and rice is a mealtime staple. I don’t remember the name of this training mentor, so we’ll call him “Bob”. Bob was an older man, nearing retirement age, very crotchety.

As the “new kid”, I was working nights, so when I came to the galley to eat “breakfast” before starting work, it was approaching dinner time (for the day shift). As was the normal routine, there was Cajun food out for dinner, and I was going to eat that for my breakfast. I had previously noticed that Bob would cover the uneaten rice after the meals, and put it back out the next day.

No problem. Growing up as the oldest of four children, I was used to Mom doing that at home.

However, that day, when I went to add some rice to my Cajun “breakfast”, I noticed that there was mold growing on the cooked rice. Although money was tight growing up, and four hungry kids would have probably finished leftover rice long before mold would have started growing, I have no doubt Mom would have thrown moldy rice away.

Anyway, I grabbed the bowl and headed toward the trash can, pointing out the mold to Bob. He grabbed the bowl from my hands, growled at me to “shut the #@*% up”, and proceeded to rinse off the rice before placing it right back on the food line for the crew.

O_o

I have no idea why Bob did this. He wasn’t paying for the groceries himself. Our company was not stingy with the groceries. We had weekly steak night, weekly seafood night, and the kitchen was open 24/7. As far as I know, there were no “cost cutting profit-sharing” systems. The economy was good, and the oil business was especially good.

Twenty five years later, I still remember his actions.

Today, I have a small business. Contract employees work for me, and represent my company name. I want to be sure to mentor them the right way.

What did I learn from this “demented” mentor?

* Some people should not be trusted with your company name, much less as a mentor for your new staff.

As an impressionable new guy, this “mentor” was tasked with teaching me the corporate culture, and proper procedures. “Feed your client moldy rice” was probably not what the home office had in mind.

* Some people are penny wise, and dollar dumb.

Bob “saved” a few cents worth of rice.

Rice is cheap, oil is expensive.

Bad PR is even more expensive. If the crew had gotten food poisoning, it could have slowed or even stopped them from drilling. Just one shift  would have cost the drilling company thousands of dollars, or more.

My “mentor” would have lost his job. My employer probably would have lost their contract on that rig, and possibly the contracts for all the other rigs operated by that drilling company. Due to oil field gossip, my employer could have lost other contracts with other drilling companies in the region.

I wish “Undercover Boss” had been around back then. I found out later from co-workers that this was a regular occurrence, but that Bob had connections in high places within the company. They were apparently letting him coast to finish out his time until retirement.

What about you? Have you ever had a “demented mentor”? Have you ever worked for someone who taught you more lessons about what NOT to do, than they did about the right way to do things?

Five simple tips to trim the budget

Five Simple Ways to Reduce your Expenses and Trim the Budget

Trim the budget - photo of scissors cutting money

Trim the budget – five simple ways to reduce your expenses

At the end of every month, you should review your budget for the following month. I just did that last week. That way, you know how much money should come in, as well as when and where it will be coming from. Equally as important, this will show how much money is going out, as well as when and where it is going. Increasing your income is great, but most of us can find ways to trim the budget more readily than we can find ways to increase the income as much.

If you are spending more than you make, you can’t simply print more money and keep spending. Only the government can do that. Unlike our clueless clowns politicians, you have to choose… trim the budget, expand the income, or some combination of those two options. Increasing income is the best option.

However, generating additional income can be difficult for some people. A previous employer of mine forbid their employees from working a part-time job, small business, or any other “side hustles”.

Several years ago, I worked with a lady who’d had heart surgery. Her doctor wouldn’t release her to work full-time. She received a disability income from the government, if I remember correctly, and worked part-time for the company I worked for at the time. If she earned above a certain amount, which was less than it would take for her to be self-sufficient, she would lose the disability income, which was also not enough for her to live on. So, she was stuck in a dead-end, low-paying job several years, living with her kids and grandkids, until her full retirement / SSI kicked in. She was unable to earn enough to get off disability, and unable to earn enough staying on disability.

No matter your income level, chances are, there are steps you can take to reduce your recurring monthly expenses. This article will look at a few ways to trim the budget.

Thermostat – One of the easiest ways to trim the budget is to reduce your monthly electric bill. You can do this if you adjust your thermostat by a couple of degrees. We keep our thermostat at 78* during the summer, and 68* during the winter. In our previous home, which we owned, I replaced the old-fashioned thermostat with a programmable unit. It would adjust the temps to 82* during the summer, and 65* during the winter while we were gone to work, and then readjust them just before we normally got home. At night during the winter, after our normal bed time, it would let the temp drop to 60* while we were sleeping. We were under the blankets, so it was not a problem.

Dryer – When I was growing up in SE Texas, during the summer, we hung our laundry outside to dry. This is a very easy way to trim the budget. The dryer is a huge electricity hog, so doing this consistently can have a big impact on your monthly bill. During the winter, you can run the dryer for half the time, then let the clothes air dry on an indoor line. This can also add moisture to the indoor air, which is usually very dry during the winter.

TV – Do you really need all those channels? Do you really NEED any channels? Trim the budget by downsizing or eliminating your TV bill. Over the past decade, we saved hundreds of dollars merely by turning off our pay TV services. At least consider getting rabbit ears and see if you can pull in any local stations, if you “MUST” have TV.

Phone – Do you actually use your land line? As a step to trim the budget, we cancelled ours almost a decade ago. We realized most of our callers were either telemarketers, or politicians. Everyone else called our cell phone. Since you can take your cell phone number if you move to a different provider, consider dropping your land line. If you must keep your land line for DSL or the alarm system, drop all of the extra services, like call waiting and caller ID.

Internet – We have basic DSL, without a land line phone, from our local phone company. I would love to have cable internet speed, but realistically, I don’t need that speed all the time. I am a mobile DJ, and purchase my music online. It takes longer to download than I wish, but as a way to trim the budget, I have stayed with a slower speed service. Can you deal with a slower connection speed for monthly savings?

These five simple methods to trim the budget can potentially save you $50 to $100 or more per month. That is $600 to $1200 or more per year. How much more would you need to earn to have that much after taxes?

How about you? What are some simple tips you use to trim the budget? What has been your biggest saver so far?

 

Healthy Savings are not just a walk in the park

Healthy Savings – ideas to keep your budget, and your health, in top shape

“Healthy Savings” can describe a large discount. Healthy Savings can also be a play on words, to describe a situation where you save money, while partaking in healthy activities. This is the definition I will be writing about in this article.

Face it, what good is the lifestyle you work hard for, if you are so sick, tired, or out of shape that you can’t enjoy it? How many people do you know who worked hard, sacrificed, and saved their entire life for a great retirement, only to be unable to do the things they want to do? No one knows the future, and there are no guarantees, but usually people who take care of themselves live longer with better quality of life than those who do not.

Gym memberships are incredibly popular. They can also be incredibly expensive. Many people sign up with good intentions, but then, drop out. Unfortunately, due to how the contracts are designed, if you don’t use your membership, you don’t get a break on the price. Often, there is a minimum one year contract with monthly auto-drafts, whether you work out daily, or never darken the door. So, how can we take care of body and our budget at the same time?

Of course, you can simply put a treadmill, free weights, or machines at your house, and work out on your schedule. However, many people prefer being able to work out with others, and find the accountability of your exercise partner to be very beneficial.

Following are five ways you can have free or nearly free gym access.

Membership Benefit – Many large companies have a gym at the headquarters. They know that healthy employees are less likely to miss work due to illness. See if your company would consider installing a basic gym at your facility.

A free gym down the hallway from your office would be majorly Healthy Savings! If you work remotely, or are not close to the headquarters, do they have partnerships with any of the national gym chains, such as Gold’s Gym? I worked for a company which offered a 20-25% discount to the gym membership, plus no initiation fee. IIRC, since the bill was taken out automatically pre-tax, it also lowered the employee’s taxable income.

Attend college – When I was single, and living near Houston, the local community college had a small, but nice, gym. Racquetball, tennis, basketball, and a weight room. As a student, even if only taking one class per semester, you had gym access at no charge. That is Healthy Savings, Professor!

Side Hustle – Does your local gym need someone to work the front desk a few hours per month? Do you have fitness training where you could team up with a trainer to assist? Could you start your own part-time fitness or training business? Healthy Savings for free facility access, plus a side hustle income.

Personal Trainer – Some personal trainers will team up with a local gym for Healthy Savings. They will host their personal fitness training at the gym. Access to the gym is generally included with your training fees. Often, the gym will allow you to use the facilities outside of your “official” class time.

Free Pass – Many gyms will offer free day passes to try out the facilities. Often, “mom & pop” gyms are very generous. They don’t have the name recognition and fancy facilities that the national chains have, which can add up to Healthy Savings for you. You may find them to be much more willing to offer free passes, or special pricing to earn your business.

Also, many “mom & pop” gym operators are not really trying to run their gym as a business, but more as a serious hobby. Basically, the owners like to work out, and they like to socialize with others who like to work out; a gym gives them an easy way to do that. All the gear is a tax write-off, and they get to have a great workout facility and do something they love. If they make a little money too… score! 🙂 Since they are not in it for the money, they may be more generous with passes.

Keep in mind all of the exercise routines which do not require gym access. One of my favorites is from the US Army.

Healthy Savings - photo of soldier

Healthy Savings … the Army way.

I can attest to the quality of the training. It is full of distance running, sprinting, stretching, jumping, and body weight exercises, like sit-ups, push-up, and more. There are many other routines you can follow as well, such as Crossfit. Combined with proper nutrition, your budget and your waistline will slim down.

Healthy Savings can help you enjoy the lifestyle you work for.

What other ways have you come up with to experience Healthy Savings? What is the best value for gym membership you have discovered?

10 HABITS TO BUILD WEALTH

WILL YOUR HABITS BUILD WEALTH OR WANT?

Follow these habits to build wealth

I have been thinking about habits and wealth, and decided I would write an article listing ten habits to build wealth. We have two children, and have been trying to teach them about self-discipline / self-control, and the habits we build.

Habits are great things in some ways, as we can do things without having to really focus on what we are doing. They can be time savers. Unfortunately, they can also be hard masters when they are bad habits. They can trap us into doing “the same old same old”, and prevent us from seeing solutions and new paths to solve problems.

I will begin using a family budget consistently again. I also plan to begin using a budget for my small business. I believe living on a budget is one of the most important habits to build wealth. It is a habit I used to have, but life and busy-ness got in the way. I got out of the habit of using a budget. I would float from month to month, knowing approximately how much money was in the bank. However, I quit regularly budgeting.

I didn’t balance the checkbook. I never really planned for Christmas, vacation, birthdays, and other special occasions when we would need to spend extra money. I would move money from savings over to checking to cover, and I had a couple of bounced checks. The money was in the savings account to cover, but the credit union did not automatically move the money, so the checking account went negative and we got hit with an overdraft fee. No more.

If you are reading this blog, I am guessing you are interested in finances and in wealth creation. So, let’s talk about 10 habits to build wealth.

1. Budget – Prepare a budget each month, before the month begins. This is something Dave Ramsey preaches as a major habit to build wealth. This is the first month I started doing that again. I remember when I was doing a budget regularly; it felt like I had gotten a raise. I knew how much we had, how much we would need to spend, when we had money coming, and how much we should have left at the end of the month.

2. Self-Control – For those of us who believe the Bible, one of the fruits of the Spirit is self-control.

  • Be willing to say “no” or “not yet”. I waited three years to buy a new flat-screen HD TV because we don’t have cable/satellite, and we didn’t really watch much TV when we did have it. However, we do “rent” movies from the library, and we have a couple of game consoles. I had the money, and I went to various stores several times, each time, intending to buy. At the last minute, after walking the aisles, I would decide to wait.
  • Teach others self-discipline by example. I remind our children of that now… “It is ok to wait to spend your money. Daddy waited three years for a new TV.” Several times they were with us when I was looking at the TV’s. Frankly, I think they were shocked when we actually walked out of the store WITH a new TV. 🙂

3. Eat wisely – Don’t wreck your month’s budget for a few meals. Using your food budget wisely is one of my habits to build wealth consistently every month.

  • Most of the time, we choose to eat at home. We gave up a lot so that my wife is able to stay at home. One of the things we chose to sacrifice is eating out. Of course, when we were both working full-time outside the home, we ate out more often because of the convenience… we would both be getting home late, and starting dinner after we got home meant that we were eating right before bed. Now, she is home and has the flexibility to make healthy, filling, inexpensive meals.
  • Creating habits to build wealth require a little bit of ingenuity. I am only partially joking when I say we read the menu “right-to-left”… we look at the prices, then see what we will be eating. When we eat out, we do it inexpensively. However, we still spend roughly 2x as much per meal when we eat out, compared to when we eat at home. Of course, “nice” restaurants, or expensive meals would cost even more.
  • We usually eat at Mexican restaurants. Why? Because, first, coming from SE Texas, we love Mexican food. In addition, they generally offer free tortilla chips. We find ourselves munching on the chips before the meal arrives, and with our meal. We end up taking ½ our dinner home. I take leftovers to work for lunch during the week.
  • Often, R and I will split a meal. At a steakhouse, we each get a side salad (one usually comes with the entrée), and often, bread is included. By the time the steak is served, ½ is plenty for each of us. In fact, we usually don’t get dessert because we are comfortably full already.

4. Treats in moderation – Treats are nice, but moderation is one of the habits to build wealth.

  • Drink water (usually free, and better for your health), instead of paying for sodas.
  • Instead of paying $5-$8 each for a dessert at the restaurant, go buy a ½ gallon of ice cream and some toppings. Bake some cookies or brownies, add your ice cream, and make your own “lava brownie”. You can have dessert once a week at home for the next month for what you would spend on one dessert per person.

5. Garden – Besides producing food, gardening teaches patience, which is one of the best habits to build wealth. Just as you can’t pull up the plants after a week and look at what is going on underground, you shouldn’t pull your investments out and mess with them on a whim.

  • Start a garden. Food from your garden is better quality, better tasting, and better for you. Once you overcome the initial startup costs, the food is also less expensive. Research Square Foot Gardening.
  • If you can’t garden (apartment dwellers, etc), find a local farmer’s market.

6. Have a side hustle – Working hard is one of the best habits to build wealth.

  • I got the term “Side Hustle” from Michelle at Making Sense of Cents. She began her “side hustle” blog in her spare time, built it consistently, and eventually, her part time work grew into a more-than full-time career. Michelle is now in business for herself, and does blog management, website management, ghost writing, web design, and freelance writing, among other things. You can hire her if you need those services.
  • Another blog I like is ClubThrifty.com. Holly is another hard working entrepreneur. I have learned a lot about blogging and ways to earn additional income from her site.
  • Long before I had heard the term, I have had a side hustle. At various times over the past decade, while holding a full-time day job, I have delivered pizza nights and weekends for Dominos, delivered newspapers seven days per week before going to my day job, and picked up many extra shifts at my current day job employer. I often worked 12+ hour days, sometimes seven days a week, sleeping in my car on my lunch hour. Not what I wanted to do long-term, but it can really help provide additional money in the short-term.

7. Start a business – Currently, in addition to my full-time day job, I also have a small business. I guess it could also be considered a side hustle.

  • I am a mobile DJ. I average over 100 events per year. It is something I am very good at, and I make excellent money doing it. I have considered doing it full-time, but I’m the sole breadwinner, the industry is feast-or-famine (at least in my geographic area), and I need to provide health insurance.
  • Finding legal ways to have a business pay for things you need is a habit to build wealth. Many things in your personal life can be tax deductible if you have a business. In my case, for example, I am able to use business income to pay for my cell phone, internet service, alarm monitoring, part of the rent & utilities, some fuel & maintenance on my vehicles, office supplies, music (as a DJ, I have to purchase music), and other things. Obviously, check with your tax professional for details for your individual situation. … Actually, having a professional to help guide you with tax and legal matters is also a habit to build wealth!

8. Give – Giving is one of the most important habits to build wealth.

  • Give your treasure. Give money and help meet the needs of others.
  • Give your time. Your time is important also.
  • Give your talents. Use your abilities and bless others.
  • Give to a local charity, where you can see that they are using the money well.

9. Education – Never stop learning. Learning is one of the most important habits to build wealth.

  • College can be a great investment in yourself, if you do it the right way.
  • The first two years of most college degrees are primarily a re-hash of the last two years of high school. If you are/know a high school junior/senior, take a CLEP test as soon as you finish a course. The material is still fresh in your mind, and if you pass the CLEP, you now have a college level credit for the class. That is one less class you will need towards your degree, one less semester you are stuck in a classroom. CLEP tests are also less expensive than the course and books for college.
  • Consider earning your Associate’s degree first. Many Associates degrees pay as well as or nearly as well as a Bachelor’s degree. If you decide later you want the Bachelor’s, the credits will generally apply, so you are already half way there. You are potentially earning an income two years earlier, and have two years more “hand’s on” experience.
  • See if your employer will cover or reimburse some of your expenses for education. Taking advantage of programs offered for free education can be a great habit to build wealth.
  • Intern for a local business. You don’t have to be in college. Do you know someone in your future career field? Offer to work part-time for/with them for 3-6 months. See what they do on a daily basis. Make sure this is REALLY the career you want, and gain practical experience in the field.
  • Educate yourself. If you know you are not interested in climbing the corporate ladder, you may not need a college degree. You can still take college courses. I am a sophomore, almost a junior, based on the number of college credits I have. I simply took courses I was interested in. You can take online courses. You can check out relevant books from the library. You can learn from YouTube. You can just roll up your sleeves and jump in for on-the-job learning.

10. Under promise and over deliver –  Surprise those you work for, whether your boss, a client, or a co-worker. Do more than you promise to do. Come in earlier than you are expected to. Stay a few minutes later. Instead of only providing 10 habits to build wealth, throw in a few additional bullet points. 🙂

What are your top three, top ten, top twenty habits to build wealth? What habits are you weakest in, and how do you plan to change? What habits are you strongest in?

Budgetopolis, a budget blog!

Welcome to Budgetopolis, a blog about budgeting!

And… we are live!

Image related to a blog about budgeting

Budgetopolis – a blog about budgeting for families

I welcome you to join our community. We are a brand new personal finance and budget blog, started in August, 2014. I got the idea for this blog from Michelle at Making Sense of Cents, and Holly from ClubThrifty.

Budgetopolis is intended to become a lively, fun community for those who are interested in personal finance, family businesses, and more. As the name implies, this is a budget blog, to talk  about budgeting. I am just starting to use a budget for our family again. I want to see how others use budgets in the “real world”, and I hope you will share real life examples.

This budget blog is run by me, Andrew. This is my very first blog of any kind, so I’m learning how to run a blog. 🙂

I am a 40-something husband, father of two, small business owner, and employee. We live in the SE USA.

I am the primary breadwinner for my family; I have a corporate day job with a very large flooring manufacturer. In addition, I have a mobile DJ business. I have been a DJ for about eight years, and in business for myself for three. Once I figure out how to “do” this budget blog successfully, I plan to add a blog for DJ-related topics to my DJ business website.

My dear wife is the backbone of our home, as a stay-at-home mother, scheduler, and “domestic engineer”. I jokingly say she was a “certified Early Childhood Teacher” for 12 years. Then, after teaching kindergarten for two years, she was “certifiable”. 🙂 She is now a “recovering” public school teacher, and traded her classroom with thirty kids for a classroom with one student, our youngest daughter.

I started this budget blog in part because I am trying to learn to use our personal budget better. I am also trying to learn to use a budget for my small business. I want to share budget and financial tips with you, and to learn tips from you. I hope to gain a better understanding of how to live within my means, and how to increase those means to better provide for my family.

You are welcome to share this budget blog with others of like mind. I hope you will share comments, tips, and suggestions on this blog. Budgeting, personal finance, coupons and other money savers, small business, family business, increasing income, decreasing expenses… anything related to money and wealth building for families. Please let me how to make this site better.

I plan to share real life examples of family budgets, both from “budget gurus” and from “us regular folks”. I would also like to share ideas for small family businesses, cottage industries, “side hustles”, legitimate work-at-home systems, blogging for profit, and other ways for people to make money in their spare time, from their home. I love the idea of being in business for yourself, especially if you can share the business and work with your family!

Again, welcome to Budgetopolis! Thank you so much for visiting. I truly hope you will stay with us!