Easy Tips For A Better Financial Life Today!

Are you suffering from frustration due to your finances being out of control? Do not feel like you are alone; many people experience this before learning how to get the upper hand. The following advice should help you get your financial affairs in order.

If you need the services of a broker, you should choose a professional that you can rely on. They should be honest and upfront with you, and you should check that they have glowing references. You also need to be armed with a decent level of knowledge.

Success in business can be directly related to money management. You should invest your capital and protect your profits. Put some of the money you earn into more capital investments, and make sure to stay on top of the process to ensure that you continue to make money. Set aside a specific percentage of profits earned, and invest the rest in capital that can make you even more profit.

TIP! Do not sell if it is not the right time for you. If you are getting money from one stock more than another, let that one stay.

To save money on food in foreign countries, try to eat like a local. Restaurants in busy tourist areas tend to be the highest priced, so find out where the locals eat. The food will taste better and it will likely be cheaper, as well.

Times are tough, try having your savings in different places! Besides maintaining balances in checking and savings accounts, invest in stocks, mutual funds, gold, and t-bills. Look for new ways to invest your money, and make sure you keep it safe.

Keeping a log of exactly what you spend on a daily basis will allow you to figure out exactly where your money is going. However, you should keep in mind that if you write what you’re spending in a book that you won’t look at for the majority of the day, your finances may be forgotten. Instead, try setting a full-size whiteboard in your bedroom or office to list your expenditures. You will pass by it all day so it stays in your mind.

One way to improve your finances is to refuse to pay full price for anything. It is not prudent to restrict your purchases to certain brands unless those brands are truly better. When you do buy brand name items, look for manufacturers’ coupons and use them! Don’t buy your favorite brand name detergent if you can save using another brand’s coupon.

TIP! When investing, stay away from large fees. Brokers that invest your money long term will charge money for the service.

A home and a car are probably going to be the largest purchases you have to make. Paying the interest on these things often eats up a lot of money each month. Try to get the balance down by at least sending in one additional payment every year or applying some of your tax return money to the balance.

As stated at the start, it can be frustrating to deal with personal finances. With an open mind and the right information, getting your finances where you want them does not have to be a problem. Apply the advice from this article to get your finances back on track.

Successful Investing: Top Tips For Today’s Market

It is possible to make substantial amounts of money buying stocks. That being said, you won’t be successful unless you have the correct knowledge. Read on to learn some advice and tips to keep in mind when you are first dabbling in the world of stock investing.

Before handing any money to an investment broker, you need to make sure that they have a good reputation. You can investigate the reputation of various brokers by using free online resources. By spending some time investigating their background, you can avoid rouge brokers who will rob you of your hard earned cash.

Set small, reachable goals when you first start investing. Unless you engage in very risky trading, you will not experience instant success and riches by trading stocks. It is not worth the high risk of failing and losing the money that you have invested. Keep this in mind as you build your portfolio to ensure you don’t get taken advantage of.

TIP! Before dipping your toe in the stock market, study it carefully. Especially before making that first investment, you should get in as much pre-trading study time of the market as you can.

Stock market investments should be kept simple. You should keep investment activities, including trading, looking over data points, and making predictions, as simple as you can so that you don’t take on any risks on businesses that you should not be taking without market security.

Not all brokers have the same fees so be sure you know what they are before investing. And not only the entry fees, what ones will be deducted at the time of exiting, as well. You’d be surprised how quickly these fees can add up.

Diversify your portfolio a bit. Avoid placing all of your eggs into one basket, like the familiar saying goes. As an example, if you choose to invest your entire budget in one company and that company goes under, you will have sacrificed everything.

Exercise your voting rights for any common stocks that you own. When major changes or merges might happen you could have a say in it because of the amount of stocks you hold with a given company. Voting normally happens during a company’s shareholder meeting or by mail through proxy voting.

TIP! Diversify your investments. You shouldn’t put your eggs all in one basket.

It is crucial you reevaluate your investment decisions and portfolio on a daily basis. The economy is always changing. Some sectors outperform others and companies eventually become obsolete. There are many other instances that can occur that can make a big difference on the performance of a particular stock. This is why you must vigilantly track the stocks you own, and you must make adjustments to your portfolio as needed.

As said previously, you can make a huge profit with stock investments. Once you know what you’re actually doing, you’ll be amazed at just how much money you can earn. Use this advice as you learn to invest more effectively.

Stock Market Tips And Tricks For The Eager Novice

Investing wisely and earning significant profits out of the stock market relies on a process of self-education and extensive research. Look into the reputation of any company you’re considering buying stock in and watch the trends of it’s value. Get some excellent tips regarding the stock market by reading this article, and you will be able to make money right away!

Be realistic about your expectations upon investing. Common sense tells us that you cannot get rich overnight in the stock market unless you invest in many high risk ventures. This is, of course, a faulty strategy because of its high risk of failure. Keep this in mind as you build your portfolio to ensure you don’t get taken advantage of.

“Keep it simple” can apply to stock market investment. If you keep the number of stocks you invest in under twenty, you will find it much easier to keep track of them all on a regular basis. This will also increase your chances of pulling out before any one stock drops too far.

TIP! Spend time observing the market before you decide which stock to buy. Before investing, try studying the market for a while.

It is important to know exactly what fees you will be charged when choosing an investment broker. This doesn’t mean simply entrance fees, but all the fees that will be deducted. Over time, these things can add up, so double check to be safe.

Earnings Growth

The return you desire should influence the type of stocks you purchase, for example, if you need a high return, look to stocks that are doing better than 10%. To figure out the return that a particular stock is likely to deliver, all you need to do is add the dividend yield to the projected rate of earnings growth. So for example, with a stock that has a 12% earnings growth and that yields 2% could give you 14% return in the process.

If you have common stocks, be sure to use your voting rights. You might be able to elect people to the board or vote on major changes like selling the company. There are different options for voting. Some voting can be done by proxy through the mail, and in some cases, it can be done at an annual shareholders’ meeting.

TIP! You should have a high bearing investment account with at least six months worth of salary in it saved for just a rainy day. That way, if you are faced with a major problem like medical emergencies or unemployment, you will still be able to meet your monthly living expenses, such as your mortgage or rent.

It is vital that you go over your portfolio and you investment strategies periodically. Because the economy is in a state of constant flux, you may need to move your investments around. In very short amounts of time an industry can go from boring to booming or from booming to dropping. With some sectors, it is best to invest at specific times of the year. Track your portfolio and adjust when necessary.

Remain within your comfort zone. If you are going into investing alone then make sure that you know all that you can about the companies you plan to invest into. If you invest in a company you’re familiar with you can make an intelligent investment decision, but if you invest in a company you are unfamiliar you are simply relying on luck. Leave these types of investment decisions to an expert adviser.

It is not wise to invest large amounts of money in the company you work for. Although investing in your employer’s stock may seem like you are proud of your employer, it can also be a risky investment. For instance, if the company’s profit start to decline, both your monthly paycheck and the value of your investment portfolio could decrease significantly. But, on the other hand, if employees get a discount by buying shares, it could be worth it.

It’s crucial to re-evaluate your investment decisions and portfolio frequently, every three months or so. This is because the economy is a dynamic creature. Companies will merge or go out of business, and some sectors will pull ahead of others. With some sectors, it is best to invest at specific times of the year. Keep a close eye on your portfolio, making occasional adjustments so that it continues to meet your financial goals.

TIP! Don’t invest too much in the stock of your company. Although there is no harm in purchasing stock of your employer, it is best to build a more diverse portfolio that includes other investments.

Playing the market effectively requires a lot of patience on your end. You need to be aware of how to approach investing before you put your money in. Although business education isn’t needed, staying knowledgeable on your investments is. Keep the advice in this piece close in order to begin generating profits right away.

Investing: What You Need To Know To Succeed

Real estate investing is something you can use to make your portfolio more diversified. Stocks and bond aren’t the only things you can invest in. The rules of debts and equities do differ in real estate investing, though. Continue on to learn more about how to be a smart real estate investor.

Analyze the market before you invest in real estate. Investigate as many as 100 individual properties in that area; track your notes with a spreadsheet or database. Make sure to include information like prices, projected rent and budgets for repairs. You can use this information to figure out which investments would be good and which ones would not.

Make sure you pick a comfortable niche. Limiting yourself to one market segment makes it easier to learn the necessary skills. Regardless of what you are doing, make sure that you feel comfortable.

Real Estate

One of the most important elements to investing in real estate is location. Other factors, like the condition of the property, can be remedied. Investing in a property that is located in a bad neighborhood will probably lead to failure. When you’re trying to buy real estate you’re going to want to make sure you look into the area and what the value of the properties are.

Look for areas that are in well-known areas that generate interest from your potential clients. This is crucial since you can get more from the resale value with this type property. Properties that are simple to clean and maintain are also ideal.

Find other investors and talk to them. It is essential that you connect with those who have more experience in order to get good advice. A couple of acquaintances that know real estate can help you out. Search out like-minded people online. Investigate the possibility of going to meetups and joining forums.

TIP! Try to invest in the very best areas you can afford, for best results in your real estate project. By doing so, when it comes time to sell, you’ll see an optimal return.

When checking investment properties, ensure the rent collected covers all or nearly all of the mortgage payments you have every month. This way, the property will almost be paying for itself. You should never rent for less than the monthly payment.

When buying a property that you intend to rent out to others, choose your tenants carefully. Also, make sure that they give you the necessary funds in advance. If they can’t get their money together at this time, they probably won’t be able to make the rent. Find another renter.

Keep your cool in the beginning. Your first real estate investment deal may be more time consuming than you expected. Perhaps no great properties are on the market, or the terms just weren’t right. Avoid being overly eager so that you do not spend money on a property that is not ideal. That’s using your funds poorly. Take a step back and wait for the right property to show itself.

When you want to invest in a property, ensure that the rental income will take care of any mortgage. When you do this, you start with the right foot. Nothing is worse than having to come up with money out of your pocket for the monthly rent because your renter’s monthly payment doesn’t cover it.

TIP! Stay away from purchasing property in areas that are deemed unsavory. A crucial point to buying property is to know the area very well.

Always make sure that you have a financial security blanket when you invest. The money you put aside is useful paying for expenses pertaining to the rental property such as minor repairs. In addition, the reserve cash is key in the event that you are unable to find a tenant immediately. Even if your property isn’t occupied, there will still be expenses.

Real Estate Investing

As you can now see, real estate investing let you expand your portfolio beyond mere stocks and bonds. However, the rules for real estate are different. Use the information you’ve just read as a baseboard for your real estate investing, and you will go far.

One of the biggest mistakes real estate investors make is believing they should buy a bunch of property to build their personal assets. While many investors choose this route, it’s not always the most beneficial way to conduct business. Do plenty of research on the market, and always remember that quality usually trumps quantity. This will protect your investment.

What Every Real Estate Investor Should Know

It can be very profitable to invest in real estate, and the folks who do their homework tend to fare the best. Before you buy any real estate, you need to make sure that you have armed yourself by doing plenty of research. The advice below will put you on the right track.

Always try to find out what the local values are like. Mortgages and rent costs will give you a good idea your property value. This will allow you to make a better decision regarding a given property.

You should know that reputation is of the utmost importance when it comes to real estate. Always keep your word, and be honest with clients. This will give you the credibility around town that will make people more loyal to you.

Real Estate

Find like-minded people and learn from them. Many people make a living from investing in real estate. A lot of groups make this their main goal. Real estate investors can also be found on real estate forums and on social media sites. Join up and learn what you can.

Location is an important part of real estate investing. Property condition must also be considered. Properties in areas that are depreciating are generally bad investments. As you evaluate properties, always look at the area and the potential of the properties.

Find an online forum for real estate investors and sign up before you dive into the real estate market. Also, reading the blogs of the established professionals in the real estate business can be of great help. This will help you learn useful strategies. One of the bloggers may be interested in mentoring you.

TIP! Consider how much you can rent a property for when you’re determining its value. Renting a home can make you a significant amount of money.

Make sure that you select places that are well-known and in a great area that could garner a lot of interest from potential clients. This is very important because it could give you the best amount of resale when you go about your purchase. You should also seek out properties that aren’t difficult to maintain.

You want to be educated concerning investing in real estate prior to making any purchases. Investing in real estate can lead to hefty losses when you are careless. Get someone to train you on the real estate market before you jump in.

Stay away from properties that are at the bottom of the selections. You may be attracted to the numbers, but the house might have difficulty selling. Invest a bit more for a better property that is bound to show returns.

Exercise patience as you get your investment plan going. It could be a while before you score your first deal. Be as patient as possible if things do not work out. Don’t settle for something that you don’t really want. That is a recipe to waste money. Wait for the right investment to come along.

TIP! When contemplating a real estate investment, give some thought to hiring property managers who can weed out risky tenants. Since the rent they pay will pay your mortgage, you need to make sure they have good credit and habits.

Think about the possibility of getting rental income from any property you plan on purchasing. This could net you a lot of money. Then, when you resell, your profit will be bigger.

It’s a good idea to use whatever information you got here to help you out and make sure you keep it around for later use. Don’t make fast decisions about real estate and don’t just buy something when you have a feeling in your gut about it. Take the time to do your research and know what you are getting into.

Investing Secrets Straight From The Financial Experts

Real estate is booming and many people wish to invest in properties to make a viable business out of it. Now is the time to start building your strategies. Keep reading to discover some great tips to help with your real estate endeavors.

Dedicate some of your time to learning what you need to know as well as running your business. Thus, you might need to cut other things in order to boost your chances of making lots of money. To become a better investor, it requires total dedication each day.

Your reputation is going to be of utmost importance when you venture into real estate investments. Thus, you must consistently keep your promises and maintain complete honesty in your dealings. They will allow you to boost your credibility since they may refer you to others.

TIP! Try not to purchase poor properties in real estate. Even if you are tempted by the price, it may be so cheap because it is undesirable.

Find an area that you feel comfortable with. It is easier to get into a successful flow with your investing if you are focused on your market segment. Get to know your market type and continue with it for repeated success.

When thinking about your real estate investments, consider the time you have available to dealing with the property. There are many issues that you may face with the tenants. If you can’t handle it, you may wish to get a company that manages property to do it.

Listen during a negotiation instead of talking. If you do most of the talking, you may just talk yourself out of a good deal. You can also get the price you desire.

When figuring out a home’s value, consider how easy it would be to rent it out. Renting a home can make you a significant amount of money. This adds up to a bigger gross profit at sale time.

TIP! Think about using a management company to help with your properties. They do cost money, but they are often worth it in the end.

If you are thinking of renting out your investment property, be wary of who you let rent it. The individual should be able to pay both the first months rent and a deposit ahead of time. If this isn’t possible with the tenant, they are likely going to default on any rent agreement. Look for a different tenant.

Location is the major factor that will impact your real estate choices. If the property is not great but, the location is, it may be worth the work to fix it or demolish it and replace with a completely new structure. Think about the location of the property you want, and consider ways to work with this to maximize your profits.

Real Estate

Prior to investing in an property, obtain information regarding the government of the city in which the property is located. Find the city’s official website. There you can find city planning details that can help you predict how prices are going to fluctuate in the future. If the city is growing, it’s a good place to invest.

TIP! Sign up for services that tell you when foreclosures are happening to get good deals. This saves you a lot of time and effort.

Entering into the business of buying and selling real estate can be lucrative, but you must have the right information to get started on a profitable path. Now you have all of the knowledge that you require. Slowly proceed through the material so you understand it completely as you get into real estate investing.

Your Portfolio: What You Should Know About Stock Market Investments

It is very thrilling to get involved with stocks. Depending on your long-term financial goals, there are many different methods by which you can get into the stock market. Whatever you invest in, you need some basic understanding of how the market works. Here are some investing tips that will help you do just that.

Before investing in the stock market, learn how to invest. Jumping into the stock market without first understanding the volatility and day-to-day movement can be a risky and stressful move. In the best case, you will be able to watch the market for about three years before investing. This will give you a good idea of how the market is working and increase your chances of making wise investments.

Check out your potential investment broker’s reputation before giving him or her any money. If you take a little time to investigate the organization and understand their business practices, you will help to protect yourself against investment fraud.

TIP! Make sure that you have realistic goals when you start investing. Every professional investor will tell you that success almost never happens overnight, and when it does there are some very high risks involved.

If you have common stocks, be sure to use your voting rights. Your vote can impact leadership of the company, or decisions regarding big changes like mergers. Voting can be done at the yearly shareholders’ meeting or by proxy voting through the mail.

An account with high interest and six months of saved salary is a good idea. Then if a sudden emergency happens, like an extended period of unemployment, or a medical emergency, you have enough cash to carry you through the rough patch. Do not sacrifice your security by having this cushion tied up in investments you cannot access quickly.

A good rule of thumb is to invest a maximum of 10% of your total earnings. This way, if the stock you have goes into free fall at a later time, the amount you have at risk is greatly reduced.

It is prudent to keep a high-earning interest bearing amount of money saved away for an emergency. This way if you are suddenly faced with unemployment, or high medical costs you will be able to continue to pay for your rent/mortgage and other living expenses in the short term while matters are resolved.

TIP! Try to view every stock you purchase as owning a portion of a company, instead of just a meaningless card to be traded. Evaluate the health of companies, and peruse their financial statements when assessing your stocks’ value.

Re-evaluating your portfolio is something you’re going to want to be doing every few months. Because there are always fluctuations in the economy, it is important to keep your portfolio current. You may find that one sector has begun to outperform the others, while another company could become obsolete. The best financial instruments to invest in may vary from year to year. So, it is crucial to follow your portfolio and make any needed changes.

The stock market can actually be a fun thing to get into. No matter which path you choose, the tips here can help you make wise investment decisions

Learn The Basics Of Good Financial Management

Most Americans seem to have little knowledge of personal finance. Consider this article a primer in basic finance and budgeting to ensure you remain financially solvent in your retirement years. You can make some money on the side and learn to make your money last in this article.

Do not waste your money on projects that claim to make you rich overnight. Don’t waste your money on a program consisting of nothing but empty promises. Learn as much as you can, but rather than constantly spending money on books and seminars, put that knowledge to work.

One simple tip for saving money is to buy discounted items. It is time to stop shopping without thinking and start comparing prices among the brands, don’t just purchase the same old one which is more expensive. Also, keep an eye out for coupons to get an even better bargain. For example, if Coke is your brand of choice but Pepsi is offering a one dollar off coupon, the Pepsi choice will save you money.

TIP! Most products come with some kind of factory warranty. Sometimes it is only 90 days, other times it is up to year, and most problems creep up within the manufacturer’s warranty.

Keep an eye on world news for key information about global market trends. Especially when trading currencies, it’s important to have a global understanding, something which many Americans take for granted. Knowing the world financial situation will help you prepare for any type of market condition.

Less Money

Avoid debt whenever you can. Some debt is unavoidable; however, if you can avoid those sources of debt that are problematic, like credit cards, you will save yourself headaches later. Borrowing less money translates into paying less money on surcharges and interest.

Frequent flier programs are great for people who travel by air a great deal, whether it be for business or recreation. A lot of credit card companies give rewards or discounted flight tickets to be redeemed from purchases for no additional charge. The miles accrued through the frequent flier program can be used for free or discounted hotel rooms.

TIP! Consider changing to a checking account which is free, or one which carries no service fees. Possible options to consider are credit unions, online banks, and local community banks.

The two biggest purchases you make are likely to be your home and car. At first, the payments for large items will mainly go towards interest expenses. You can get these paid off more quickly if you pay a little extra every year. You may want to consider using your tax refund to do this.

Spread your purchases across several credit cards instead of using one that is nearing your credit balance limit. You will probably have lower interest payments this way. This should not have as bad an impact on your score as a maxed card would. You could possibly help your score through managing the cards wisely.

Armed with this knowledge, you can now make wise decisions regarding money and avoid unnecessary expenses. Always try to save as much as you can using a safe but profitable venue.

You have to get out of debt before you can rebuild your credit score. This is achieved by making payments on credit balances and loans, and you may need to cut corners here and there. A few ways to get access to more money include cooking at home or cutting back one night of socializing on a weekend. Bringing lunch with you to work and eating in on weekends will make great strides in your personal savings. When you cut this spending, you can put those funds elsewhere.

Tricks On How To Organize Your Finances

The time is now when it comes to taking control of the finances you have. This article provides some quick tips for success with your personal finances. Spending a lot of money on classes or training is not necessary in order to learn good money management skills. Keep reading for some great advice.

Stay abreast of what’s going on in the global markets. It is easy to pay little attention to what is happening in the world. This can be detrimental when dealing with economic markets. Having a good knowledge of world financial markets is a great way to get started o0n making positive investments for your future.

Try to avoid debt whenever possible to have better personal finance. While some debt is inescapable, such as mortgages and education loans, you should work hard to avoid toxic debt like credit cards. The less you are borrowing, the less you’re going to have to spend on fees and interest.

TIP! To maximize your credit score, have at least two, but no more than four, credit cards. One card will not sufficiently build up your credit.

Track all your spending through the day. Even the small, inconsequential purchases. You may be surprised at what you spend. However, if you forget to keep up with it, it is easy to put it away and let it slip your mind. Rather than a notebook, try using a whiteboard that is set up in a room of the house that you spend a lot of time in. When you see what you’re spending throughout the day, your finances will be on the forefront of your mind.

Do not pay the full price for anything. Stop buying certain brands unless there are coupons for them. As an example, while you may have always purchased brand X detergent, if you have a coupon that will give you $2 off brand Y, then buy it and save money.

Always be aware of the best time to file your tax return. If you are getting a refund, file early to receive your money quickly. On the other hand, if you know you will have to pay the government additional to cover your taxes, filing as close to the last minute as possible is a good idea.

Patience can save you a lot of money when considering your personal finances. When electronics are first introduced onto the market, there is a mad rush by consumers to purchase them. However, just by waiting a little while, you will see the price drop significantly. This will give you much more money to use for other things.

TIP! To be truly financially stable, you should have a good deal of savings. If you do not have much saved up yet, open a savings account and get the ball rolling.

You may find that you enjoy learning about personal finance. Try some of these tips! If you do, you are likely to discover how to save a lot of money. Now that you see proof of this working you will be more motivated!

Handy Tips And Advice To Succeed At Investing

Does it excite you to think of yourself as the next big real estate mogul? It may be thrilling, though moving ahead will require serious strategy. The rest of this article will illustrate some good points you can use to avoid trouble when starting to invest in real estate.

Think carefully about the form of real estate investing that you are most interested in pursuing. Flipping a property may be for you. Maybe, you love the thrill of renovations you have do from the ground up. The work for a property depends on what kind you are interested, so figure this out first.

Get to know the local property values. Mortgages and rent in the area can provide a better idea of a house’s value than any financial statement. Looking at the situation from the street level helps you make better decisions.

TIP! Have some idea of your time’s opportunity cost. Though you might enjoy fixing up a property, is it the best use of your time? Would you be better off finding a better property? If you can outsource certain jobs, then you should do so.

Choose popular, well-known locales that will pique the interest of potential clients. You will get a higher resale if the property is in a nice area. Also, look for easily maintained properties.

If you’re looking to buy property that you can rent out to others, you want to ensure that the rent amount you can get for it will cover the cost of the mortgage every month. This can help you get on the right foot. Little is worse than paying money out of pocket for your rent each month due to not having a monthly payment from the tenant to cover it.

When you start, be patient. It may take a longer time than you anticipated for your first deal in real estate to present itself. There may not be a suitable property within your budget, or the lending market may not offer the terms you want. You don’t want to be impatient; instead, you want to secure the right investment. This can actually lose you money in the long run. Instead, simply be patient until you find the right property.

What are the property values in the community? Has there been a lot of vacancies in areas that have a lot of rentals? Consider your ultimate goal for a property when you are looking at it. Buy low when flipping, and don’t price your rentals too high.

TIP! Consider the value of a non-recourse loan if you are partnering with anyone else in real estate investments. This can help protect you if the relationship goes bad or if they’re irresponsible.

Before investing, understand the area your property is in. Location is one of the most integral factors. Speak to neighbors to learn about the area and whether you can rent the property there within a couple weeks.

Look at how the economy is expected to progress in the region. If there are high unemployment rates or no good jobs around, the prices of property will be low. This does translate to a small return. A robust city will have higher property values.

In real estate investing, there will be bad times and good times. Take the difficulties as they come, but do not let them discourage you. You have to stick with it to achieve success. Keep learning what you can while you try, and great things will happen for you.

If you have a vacancy in your investment property, make sure you have funds set aside to cover the monthly mortgage until you are able to rent it. This will prevent you from worrying about covering mortgage payments when you’re between renters.

TIP! A good way to find out if an area is a good financial investment is by looking at the number of vacancies. If you look around and see lots of empty rental properties in the area, chances are good yours will stand empty too.

Now that you’ve come to the end of this article, you know a thing or two about real estate investing. The investments ahead are not small, which makes great advice that much more valuable. Practice investing wisely and you will bring in the cash!