Carnival of Money Pros

Mullti-ethnic group of business person holding Dollars

This week It’s Economic is lucky enough to host the the Carnival of Money Pros.

Rohit @ https://themoneymail.com/ writes Roth IRA Guide – A comprehensive post on Roth IRA that show you how to get started to make use of this powerful retirement saving option that is Roth IRA. You will learn about the contribution limits, the withdrawal options and where to get started. We also cover the most frequently asked questions for getting you to save for your retirement. Now there is no reason to start saving for your retirement.

Roger Wohlner @ The Chicago Financial Planner writes Annuities: The Wonder Drug for Your Retirement? – Annuities are often touted as the “cure” for all that ails your retirement. Baby Boomers and retirees are the prime target market for the annuity sales types. You’ve undoubtedly heard many of these pitches in person or as advertisements. Many of these pitches pander to the fear that many investors feel after the last stock market decline. Please make sure that you understand what you are buying before writing that check.

James Petzke @ This Is Common Cents writes Open Source: Harnessing the Power of the Software Revolution – Taking advantage of free software is a great way to save lots of money.

Lance @ Money Life and More writes Bold Move By Discover – The Discover it™ Credit Card – Discover has made a bold but necessary move to position itself in the rewards credit card market. Discover decided to stop offering all of the credit cards they offered in 2012 and have switched to a single new card that easily beats every old credit card they offered. So what is this new Discover credit card and what makes it so awesome?

Dividend Growth Investor @ Dividend Growth Investor writes https://dividendgrowthinvestor.com/2013/01/load-up-on-dividend-stocks-from-fiscal.html – Nowadays, everyone knows what the fiscal cliff is all about as news channels, websites and newspapers have explained everything there is to the matter. Now that we are past “fiscal cliff” territory, the markets have been jittery. Despite the recent relief rally, some spending deals have only been postponed by a few months. In addition, the uncertainty around the US debt ceiling is another factor that could weigh in on investors sentiments.

Robert @ The College Investor writes Invest in a Lump Sum or Small Chunks (Dollar Cost Averaging)? – It also seems that almost every financial analyst has a different perspective when it comes to how to invest. Many recommend investing in small chunks and dollar cost averaging into your portfolio. However, research on historical returns has shown that investing in a lump sum may actually be the better way to go. Here are the pros and cons of each.

Robert @ My Multiple Incomes writes Money’s Fun, but Time is Better: Why I’m Quitting Freelance Writing – As part of my re-focus though, I’m going to quit freelance writing. That may sound odd, especially considering that I made over $10,000 as a freelance writer last year, but it is the right decision for me.

James @ Free in Ten Years writes How to stop impulse buying – Impulse buying is a huge obstacle in the quest to live below your means. Learn how to beat it once and for all.

Robert @ Entrepreneurship Life writes How Productive Are You – Here are some ways to be more productive without becoming a procrastinator, and tips that will help your colleagues and team appreciate your productivity more.

Robert @ Kids Ain’t Cheap writes Handling Allowance With My Daughter – The importance of giving allowance to children.

Mike @ The Financial Blogger writes Invest $198 and Make Thousands of Dollars: A Case Study on How to Make Money With Aweber And Enjoy Your Subscription For Free 3 – How to get the most out of your investment.

md @ Start Freelancing Now writes How Much Caffeine Should a Freelancer Drink? – We look at the cycle of caffeine consumption based on your freelancing career.

Corey @ Steadfast Finances writes Stocking the Bomb Shelter: Is Buying in Bulk Actually Worth It? – Buying in bulk may look good on paper, but you need to consider all of the factors before making your decision.

Daniel @ Sweating the Big Stuff writes 2013 Business and Personal Finance Goals – Here are my business and personal finance goals for 2013. They won’t be easy to achieve, but I think they’re definitely attainable.

SBB @ Simple Budget Blog writes Carnival of Retirement – Read these incredible articles in this week’s edition of Carnival of Retirement

Michelle @ The Shop My Closet Project writes Let’s Invest: A series about non-fiscal investments – I’ve decided to write a series of posts about non-fiscal investments that may or may not effect our money but do have a huge effect on our lives. Once a month I will write about these investments. I’m curious about what you think. This month’s post is about friendship.

Mike @ Personal Finance Journey writes New Year Plan – Its time to be setting Goals – A Simple Practical way to look at your financial goals for the New Year Plan. A guide to setting Goals for 2013 and starting your finance journey right.

Roger the Amateur Financier @ The Amateur Financier writes Money And Child Raising: Stay-at-Home Parent – When you become a parent, there are many issues that you need to handle.

Alice @ Hurricanes, Panties & Dollars writes Saving on Inebriation & 10 Money Themed Drinks – I love to drink and have a great time, but if you’re drinking at bars—it can add up faster than a stripper can spot a $100 bill. That’s fast!

Hank @ Money Q&A writes Seven Credit Card Warning Signs Of Debt Trouble and The Debt Movement – Do you have a problem with your credit card debt? Do you know the credit card warning signs that your debt may be out of control or hard for you to handle?

eemusings @ NZ Muse writes Why your website needs a price list – I can understand why you might not want to display your prices for all and sundry to see (an air of mystery can do wonders for a brand). But as a consumer, if you make it too difficult to deal with you, I’m not going to bother.

Passive Income Earner @ The Passive Income Earner writes Dividend Stock Analysis: Thomson Reuters Corporation (TRI) – Latest dividend stock analysis of TRI – Thomson Reuters.

Kyle @ The Penny Hoarder writes “I Need Money!” – 10 Ways to Make Money For Tomorrow’s Rent – If you’re having a tough week financially and need to find some cash fast, there are a few things you can do which won’t take a lot of time, and can be done for people you know, or even friends of friends.

Ashley @ Money Talks Coaching writes My First Video! – Hey guys! I have something super special for you today… My First online video!

Jen @ Master the Art of Saving writes Potential Savings Goal: A Second Car – Living so far out has isolated me from the world and is driving me nuts. I need want NEED a car or I am going to die…seriously.

Suba @ Broke Professionals writes Increasing The Retirement Age Isn’t The Answer – Increasing the retirement age at which you can collect Social Security benefits would hurt the part of the population that needs the money most.

harry campbell @ Your Personal Finance Pro writes Is Restaurant Week Even a Good Deal? – Have you heard of restaurant week? Most large metropolitan cities have some form of it, but the general idea is that you pay a discounted rate for a three course price fixed dinner at a top restaurant in your city. In San Diego, the options are for $20/$30/$40 dinners at over 150 restaurants. There are obviously quite a few options and three courses for $20-$40 may sound like a good deal but I’m here to tell you, it’s not.

Tushar @ Finance TUBE writes How to Resist the Urge to Spend? – Today we will be talking about how to resist the urge to spend? At the core of all personal finances advice is this one fundamental principal. You have to resist the urge of spend as much as you want.

Ryan @ Early Retirement Investments writes Looking for The Quiet Life But Not in Dubai! – Related Posts:An Introduction to Critical Illness CoverPlanning For Retirement is the Key to Secure Retirement LifeIs It Better to Bank With a Credit…

Gary @ Gajizmo.com writes What Is A Credit Union vs. A Bank – Not all banks are created equal. Determining whether you should open an account at a credit union versus a bank depends on your financial goals and needs. For different services, we recommend having an account at both, and here’s why!

krantcents @ KrantCents writes Happy New Year! – Happy New Year! Today is the beginning of a new year and a day full of football games. Living in Los Angeles, I look forward to the Rose Parade showing what is best about southern California.

Ted Jenkin @ Your Smart Money Moves writes Top Five Financial New Year’s Resolutions – It’s hard to imagine that another year has passed by so quickly.

Jester @ The Ultimate Juggle writes Final Decision On Fairness in Spending on Kids – Do you think about your fairness in spending on kids? I believe that you should, especially if your kids are great kids like mine!

PPlan @ Provident Plan writes What To Do If Your Identity Has Been Stolen – Last week we talked about various ways that a person’s identity could possibly be stolen.

Jessica @ Budget for Health writes I got the house hunting blues… – House hunting is an emotional roller coaster but I’m glad we didn’t go through with our last offer.

Aloysa @ My Broken Coin writes The Best Moments of My Broken Coin in 2012 – Check out – My Broken Coin’s – best moments this year

Jennifer Lynn @ Broke-Ass Mommy writes The library, not just a sanctuary for books. – Read my take on the library, and let me say that it’s now just a sanctuary for books!

Carmen @ MyBestCarInsurance101.com writes How Much Car Insurance Do I Need? – Finding affordable car insurance by comparing rates and companies is an external solution, but before you can do that, consumers need to decide the type and amount of insurance they need. Learn about difference circumstances and coverage needs, and factors you should consider when deciding how much protection to buy.

Christina @ MyLifeInsuranceQuotes101.com writes Term vs. Whole Life Insurance – When you begin to consider life insurance options, you will likely come across a comparison of the different types of coverage available. Between term, whole, and universal life insurance, it is important to weigh the pros and cons before buying protection.

SFB @ Simple Finance Blog writes The Importance of Having an Allocated Spending Plan – What is an allocated spending plan, its benefits and how to set it up

MMD @ My Money Design writes The 403b vs 401k – How Are They the Same? How Are They Different? – Even though we have both types of plans, I didn’t always know what the differences between the 403b vs 401k. Here is what I found out about each one.

CAPI @ Creating a Passive Income writes Collectibles and You: Turning Clutter into Passive Income – In addition to obtaining and storing all of these items, they also tend to learn a lot about the value of various items within that niche.

Tushar @ Start Investing Money writes Using Foreign Stock Brokers – If you want to start investing in the stock market, you have two options open to you. You’ve either got to go it alone and make your own investments, or find a broker to do it for you.

Invest It Wisely @ Invest It Wisely writes Unraveling the Secret to Building Wealth – You can become wealthy by changing a few simple things. All it takes is a shift in attitude and to make one simple commitment to yourself.

Jason @ Work Save Live writes 5 Things to Consider When Creating a Will – Being a legal declaration, a will is typically made for making dispositions of property to take effect on or after a person’s death. A will is a personalized legal document and can be made for appointing those that one wishes to manage any part of their estate. Specific protocols exist for drafting a will, specific to a country, state, and province and similar areas.

Maria @ The Money Principle writes About goals, priorities and general orientation: my words for the year – Instead of setting priorities and goals in January I decided on two words to orient my effort. These are my words for the year and a report on how it worked out.

Eddie @ Finance Fox writes Lower Your Wireless Bill By Cutting Your Monthly Data Usage – I was able to conclude with today’s post on some tips and tricks to keep your monthly data usage in check and more importantly lower your wireless bill.

Jen @ The Happy Homeowner writes Yes, My Boyfriend is Paying Me Rent – My boyfriend recently moved in with me and I am charging him rent. In fact, we’re splitting everything down the middle. Read more to find out why!

Miss T. @ Prairie Eco Thrifter writes Four Promising Solar Stocks for the New Year – Environmentally conscious investors will naturally want to avoid companies with questionable ecological records. With that in mind, there is a spread of promising solar energy holdings for intrepid investors to consider.

Evan @ My Journey to Millions writes Why Kris Jenner and Most People Should Talk to a Professional When It Comes to Life Insurance – There was a recent story about how Kris Jenner, Kim Kardashian’s mom, wants her daughter’s baby daddy, Kanye West, to pick up a Ten Million life insurance policy naming the child as primary beneficiary and Kim as contingent beneficiary which raised some interesting issues that can be applied to non-celebrities of normal wealth.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW PAYDAY LOANS MAKE LENDERS RICH AND BORROWERS POOR – In modern society, loans are easily available for almost every whim and desire. Just pick up your credit card, charge it, and pay the balance off at your leisure. The range of borrowing options ranges from short term payday loans to 40 year home mortgages. Few citizens avoid debt.

Corey @ 20s Finances writes How Young Adults Can Save Money on Car Insurance – We all know that young adults struggle with saving money. It must be the curse of young adults to be attracted new cars, fancy gadgets, and trending clothes. Either that or just plain inexperience. In all seriousness, it’s a combination of all these things.

Peter @ Bible Money Matters writes Setting a Goal in the New Year to Finally Start Saving for Retirement – One thing that often happens when people are finally able to dig their way out of debt is that they end up losing steam and motivation, and they don’t channel their debt reduction mojo into a new goal – like saving for the future.

Joe @ Midlife Finance writes Where will you live when you retire? – Retirement may be the perfect opportunity to do something you’ve been considering for years: move to a different state or region. But how do you decide which one?

Joe @ Retire By 40 writes Building a dividend portfolio for passive income – One of my financial goals for 2013 is to generate $18,000 from passive income. This isn’t going to be easy because last year we only made $7,742 last year from dividend, rentals, peer to peer lending, and interest.

Crystal @ Budgeting in the Fun Stuff writes Blog Goals for 2013 – I’ve covered my main goals for 2013, but I figured you all may be more interested to know what I have in mind for BFS. :-) I just want to reach out more.

Timothy Mobley @ Timothy Mobley’s Blog writes How To Deal With The New Payroll Tax Hike – Since January 2013 Americans are struggling with ways to deal with the expiration of the payroll tax break which resulted in a 2% tax hike. This post offers some suggestions on how to deal with this cut in take-home pay.

MR @ Money Reasons writes Financial Thoughts Spinning in my Head – Here I’m sharing my current financial thoughts, everything from kids, wealth accumulation and the desire to still have a enjoyable year by spending.

edgar@degreesanddebt.com @ Degrees and Debt writes Maintaining Multiple Incomes – Examples of ways to diversify and create multiple income streams

Jason @ Live Real Now writes Credit Peril – The credit department came back and said that my wife’s credit was poor. I chalked it up to a temporary blip caused by closing the oldest account on her credit report and financed without her. No big deal. Turns out I was wrong.

Grand Per Month @ Grand Per Month writes 4 Steps to Gain Confidence as a Freelancer to Earn a Grand Per Month – Lacking confidence as a freelancer can leave you stuck, unable to make the first move to get clients so you can earn a grand per month. If you want to know a secret, though, almost all freelancers experience moments of doubt, especially when they are just starting. The key is not to let your sense of doubt overwhelm you and cause you to not pursue your goals.

A Blinkin @ Funancials writes What Kind of Returns Can I Expect When Planning for Retirement? – Moving forward, I would estimate a modest 3-4 percent. Let’s say you are 25 years young making $50,000/year. In retirement, you will need to replace 75 percent of your income. You expect 3 percent inflation. How much will you need to save in order to retire by 65 excluding Social Security?

Daisy @ Add Vodka writes How Craigslist Has Saved Us Hundreds of Dollars – When we bought our house, we knew that it needed a bit of work. Our house is nicely renovated, but it was built in the 1960s, and had a few issues that were “under the scenes”.

Penny Thots @ Penny Thots writes Two Easy New Year’s Resolutions You Can Easily Do – There you have it, two quick and easy resolutions that you should have no problem completing. In 10 minutes, you started to save more for retirement and increased your take home pay. Now just make sure you use any extra money in your paycheck to pay off high interest debt, build an emergency fund, or invest in the market for your future.

CF @ The Outlier Model writes What causes hoarding? – Hoarding can have a real impact on your life, financial and social. But when does collecting lead to hoarding?

Tushar @ Earn More and Save writes What Are Your New Year’s Resolutions? – Learn how to make realistic New Year’s resolutions for 2013 – and actually keep them!

Kyle @ My University Money writes How Much Is Too Much to Pay for Residence? – The problem is that residence fees in many parts of the country have risen at incredible rates over the past decade. This disregard for general inflation rates seems to be part of the world of education these days, but I digress.

Justin @ Young And Thrifty writes Paying Off Debt: The New Year’s Resolution You Need to Keep – Making New Year’s resolutions is a time honored January tradition. The problem is that by February most of those resolutions have been broken and completely abandoned. But there’s one New Year’s resolution that you need to keep, that you cannot afford to give up on – and that’s paying off debt.

Luke @ Learn Bonds writes How to avoid the #1 mistake made by bond fund investors – Many bond investors top priority is income, which leads them to place a heavy emphasis on a fund’s yield when making investment decisions.

TDB @ Tax Deduction Blog writes How Are Bonuses Taxed by the IRS – Did you just get a great bonus from work and come home with a much smaller check than you thought? Here’s how the bonuses are taxes by the IRS

Amanda L Grossman @ Frugal Confessions writes Debt Can be a Rewarding Motivator: How Will You Use Yours? – What do you think your life would be like if you were given everything you ever wanted? If you had no debt, no significant financial responsibilities, no

Steve @ 2011 Tax writes Free Tax Filing for 2011 Taxes – Each year, thousands of taxpayers fail to file their federal income taxes. Some individuals willingly forgo this action while others run into special circumstances.

Don @ MoneySmartGuides writes Emergency Fund Basics – An emergency fund is the term given to your Savings Account that acts as a resource to provide you with income during emergencies.

Jon the Saver @ Free Money Wisdom writes How Fitness Affects Your Finances – Personal fitness has a direct effect on your personal finance life. Letting yourself go can wreck havoc in your personal life so watch out.

Investor Junkie @ Investor Junkie writes What To Look For In an ETF – The exchange-traded fund (ETF) industry is growing at a dizzying pace as new funds are made available to investors each week. Here are the five things to look for in an ETF:

Jules Wilson @ Fat Guy,Skinny Wallet writes Review of “The Money Code” – I recently had the opportunity to read “THE MONEY CODE: Improve Your Entire Financial Life Right Now” by Joe John Duran, CFA. This book

Jules Wilson @ Faithful With a Few writes What is the Best Age to Begin Saving for Retirement? – The best age to begin saving for retirement will be different for each person. Some are in a position to do it earlier in life, while others are unable to start until years later. You will be better off if you can start as early in life as possible, but that doesn’t mean that delaying contributions will prevent you from having a comfortable level of retirement savings.

Marvin @ Brick By Brick Investing writes Food Insurance – Detailed description of how you can save money and ensure you have enough household items & groceries in the event that you lose your job.

Everything Finance @ Everything Finance Blog writes Start Off 2013 With a Plan, Not a Resolution – January is the start of a new year, a blank page to re-write your destiny. Instead of making resolutions that won’t last, this year devise a plan to help you reach your goals, whether they are financial, health related, or personal.

Lazy Man @ Lazy Man and Money writes Unemployment Adventures: How I Could Have Prepared for a Layoff – In this economy, there’s no telling when the hammer will strike. Anyone can become unemployed at any time. I thought my job was somewhat safe. Nope. Thankfully, I got a severance, and I had a little bit of savings. But knowing the state of the economy, I could have done a lot more preparation during the time I was working. How? By doing these five things.

Mandy @ Money Master Mom writes 5 tips to a successful spending fast – READ THIS if you want to stop spending so much, but are not sure how.

Myscha @ Financial Highway writes 9 Winning Ways to Build Passive Income – Given the choice between having an additional source of income or not, most people would choose the affirmative. The trouble comes when you have to find time to earn that additional income. While we all have available blocks of time in our schedule, not everyone has the ability to take on a full-time second job. That’s where the development of passive income comes into play.

Michael @ Excess Return writes Why A Strong Dollar Will Be Bad For Your Portfolio – Interest rates are low. Quantitative easing measures, pumping hundreds of millions of dollars into the American economy, are high. The fed has, for years, been following a course of flushing the dollar down the pan. The general explanation for this is that such a policy makes exports cheaper in the currency of the target market which will, in turn, drive the U.S. economy forward.

John S @ Frugal Rules writes 4 Helpful Free Investment Tools – Investing in the stock market can be a challenge for the seasoned investor, much less a newbie investor. By using some free investment tools you can make more informed investment decisions that will benefit your portfolio.

Jon @ Novel Investor writes TurboTax Review: Tax Prep Made Easy – TurboTax is the most popular online tax preparation and filing services. Its tax software makes finishing a tax return quick and painless.

Marie at Family Money Values @ Family Money Values writes Becoming a Family of Wealth – Carnegie, Rockefeller, Astor, Vanderbilt and Rothschild are all names of families with wealth – wealth held across many generations. Just hearing the names causes pictures of polished silver, wood paneling and yachts to form in our minds. Is your family trying to become a family of wealth? What does that even mean to you, to be a family of wealth? Do you want your future family to have ‘old money’? Is old money better than new money? Is it harder to have? Is it better or worse?

Little House @ Little House in the Valley writes Now Might Be the Time to Buy a Home – Owning a home isn’t a new idea and has historically been associated with financial stability, but with the recent recession that has spanned across multiple countries buying a home has gotten a bad rap. One reason home ownership is still a good investment is that interest rates on mortgages have hovered around the lowest historical average these past few years.

Bryan @ BryanMaltier.com writes Tips For Saving Money on Term Life Insurance – If you’ve been reading about Jeff Rose’s Life Insurance Movement, then you know you need to buy life insurance when you are young and early. This article will help you review and compare companies, decide how much coverage should cost, and find discounts that may make life insurance more affordable for you and your family.

Jeff Rose @ Good Financial Cents writes IRA Contribution Deadline – Taxpayers will have until Monday, April 15 to make their 2012 IRA contributions. Even if you are just now opening an account you want to contribute toward last year first. Once the deadline passes you cannot contribute for that tax year in the future.

Jeff Rose @ Life Insurance by Jeff writes 15 Year Term Life Insurance Policy – Throughout changes in jobs and situations, you are going to need to need different policies. You need to be able to cover everything, which means children, home, significant other, expenses, and all other things that may enter your life after a few years.

Carrie @ PT Money Personal Finance writes How to Deal with Financial Stress Caused by Debt – People often discuss the positive effects of paying down debt, but they don’t seem to mention the negatives effects it can have on your health when you don’t deal with it.

Jenny @ Discount Coder Blog writes Eating out? Find a BYO restaurant and save a fortune – Finding restaurants that allow you to bring your own drink can be a fantastic way to save money on eating out. This fabulous article discusses the best way to find these hidden gems!

Jason Hull @ Hull Financial Planning writes The Zeigarnik Effect and Your Money – Don’t know what the Zeigarnik Effect is? It’s a powerful subconscious driver of your behavior and can be used to help you obtain your goals or it can keep you from achieving them. This article explains the Zeigarnik Effect and how you can corral it to meet your personal finance goals.

Grayson @ Modest Money writes Treating Your Savings Like A Monthly Bill – One day I was adding another bill to the board and it hit me. I needed to start treating my savings account like another monthly bill.

Ken Faulkenberry @ Arbor Investment Planner writes Mr. Market and the Intelligent Investor – Benjamin Graham used a parable with an imaginary investor named Mr. Market to illustrate how an intelligent investor should take advantage of market volatility.

Emily @ Evolving Personal Finance writes Egg on My Face: Grad Students and Payroll Taxes – Grad students working toward their degrees don’t pay payroll taxes – I’ve discovered after five years!

Will @ Card Guys Blog writes Make Credit Card Spending Part of Your Budget – It seems counterintuitive at first, but bringing in credit card spending as part of your budget can go a long way toward improving your finances — and keeping you out of credit card debt.

Rohit @ The Money Mail writes Passive Income Assets – Passive income has the ability to generate cash flow for you without you having to work for it. However the reality is that you either have to work to create the asset or invest in acquiring the assets. You are putting time upfront or taking a financial risk. Many times you are doing both. If someone tells you that you can make passive income without taking financial risk or without investing your time upfront, you know it’s a scam. In this article I cover some of the assets that can help you

Steve @ 2012 Tax writes States Consider Alternative To State Income Tax – A trend in tax filing is already taking place in some Republican led Southern and Midwest states.

 

The Carnival of Money Pros is brought to you to by the Money Pros Team, and you can submit articles at Blogger Carnivals. Which was your favorite post this week?

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Nivene obtained her Bachelors of Communication from Loyola University Chicago. She loves to discuss fashion, finance, TV and cupcakes. Rumor has it she has an owl fetish and drinks too much coffee – that is yet to be determined.

Nivene – who has written posts on CashNetUSA Blog.


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9 comments

  1. Posted by krantcents, at Reply

    Thanks for inclusion and hosting, I really appreciate it.

  2. Posted by Jessica @ Budget For Health, at Reply

    Thanks for including me in your roundup!

  3. Posted by Edgar @ Degrees and Debt, at Reply

    Thanks for including me!!!!

  4. Posted by Little House, at Reply

    Thanks for including my link!

  5. Posted by Timothy Mobley, at Reply

    Thank you for hosting and for including my post!

  6. Posted by Ken Faulkenberry - Arbor Investment Planner, at Reply

    Thank you for hosting and including “Mr. Market”.

  7. Posted by Roger @ The Chicago Financial Planner, at Reply

    Thanks for hosting and for including my post.

  8. Posted by Nivene Judeh, at Reply

    Thank you for your submissions everyone!

  9. Posted by STEVEN J. FROMM, ATTORNEY, LL.M. (TAXATION), at Reply

    Yikes Nivene. There is a lot of good stuff here to look at and learn about. Thanks for the comprehensive post.