Moving to a New City? Keep Tabs on Expenses With These Tips

So you’ve made the decision to uproot your life and move to a new city. Congrats on your exciting new adventure!

But before you pack up and hit the road, there are some things you ought to do to make sure you can afford this upcoming transition. Dreams of a new start are great, but you don’t want to be overwhelmed by moving costs or everyday expenses in your new town.

Add these six steps to your checklist when moving to a new city.

1. Research the Cost of Living 

The expenses of everyday life differ from Lansing, Michigan to Los Angeles or from St. Petersburg, Florida to Seattle. When planning your relocation, you need to factor in cost-of-living changes — especially if you’re moving to a different region of the country or from a small town to a major metropolis.

If you’re itching to move but don’t have a specific city in mind, check out this list of affordable cities for millennials.

Free cost-of-living calculators (like this one from Payscale) give you a broad idea of how expenses differ and what income you’d need to maintain a similar lifestyle.

You can supplement this research by digging into specific budget categories. Check rental or real estate listings to gauge housing costs. Look up grocery store circulars in your desired zip code for food prices. Call your auto insurance company and other competitors to get quotes for your new area.

Pull out your budget to identify other significant monthly expenses. If you’ve got young kids, you’ll want to look up child care costs in your new city. If you dine out often, check out restaurant menus online.

2. Determine Your Net Salary 

Many times, moving to a new city is the result of a job offer. Hopefully, you’ve secured employment before relocating and negotiated a fair salary based on your education, experience and industry standards in the region. (And don’t forget to ask your new employer about relocation benefits!)

Once you’ve got that salary figure, though, it’s important to translate it to your actual take-home pay. That’s the money you’ll work with each month to pay bills, buy necessities and treat yourself.

The time is always right for the right job. Browse the latest work-from-home gigs in our database, updated every weekday.

Free salary calculators (like this one from ADP) can help you predict how much you’ll get from your paycheck after taxes, Social Security, Medicare and other deductions are taken out.

If you’re moving without a secure gig in place, your first priority should be finding a job in your new city so you don’t deplete your savings or go into debt covering your living expenses. Consider taking on a couple side hustles in the meantime. Expand your search to remote jobs if you’re not finding luck with local opportunities in your field.

3. Budget for the Move

The act of moving itself can be an expensive endeavor. Whether your new city is a couple counties over or across the country, plan for all the associated expenses, which might include:

• Boxes and moving supplies: Places like U-Haul and Home Depot sell moving boxes for about $1 or $2 per box — as well as extras like packing tape and cushioning material. To save money, use empty boxes you already have, or scrounge up some from friends. You can also ask local businesses if they’d give you their old boxes for free rather than trashing them.
• Moving truck: Using a small truck for a local move might cost you $20 to $40 plus mileage and fees. But if you’re moving to a new city across state lines, you might end up spending several hundred dollars for a one-way drop-off.
• Professional movers: You may find prices as low as $25 per hour per mover for a local move, or you could spend a couple thousand dollars to ship your belongings cross-country.

Settling into a new apartment will also carry upfront costs. Factor these into your moving budget:

• Application fees: You’ll likely need to shell out at least $25 to $50 per rental application, but the price could be more depending on where you live.
• Security deposit: Your landlord may charge the equivalent of one month’s rent to put in reserve in case you cause damage or default on the rent.
• First (and possibly last) month’s rent: You’re expected to pay your rent for the month before getting your keys — though that amount may be prorated if you’re moving mid-month. Some property managers will also ask that you pay your last month’s rent in advance.
• Pet fee/deposit: If you’re moving with a pet, you could end up getting a couple hundred dollars tacked onto your move-in expenses.
• Utility deposits: Many utility companies will ask you to put down a (usually refundable) deposit before switching electricity or water over to you. That amount may vary based on your credit score. If you have a stellar credit history, you may be spared of paying a deposit.
• Service installation fees: When setting up services like cable or internet, you can expect an installation fee to be added to your first bill.

If you’re able, give yourself ample time to save up for the cost of moving to a new apartment. 

If you’re planning to buy instead of rent, our guide to homebuying will help walk you through the process. Spoiler alert: It will take significantly more time, money and paperwork than renting. 

4. Sell Unwanted Items Before You Move

Pare down your belongings to reduce moving costs and make some much-welcomed extra cash. Besides, it just doesn’t make sense to bring that lamp you totally hate to your next home.

As you’re packing up your stuff, set aside anything you don’t like or have use for — as well as things that are broken or missing pieces. Be realistic about whether you’ll fix or find a purpose for these belongings in the future.

Separate these items into piles for trashing (or recycling), donating and selling. You can sell belongings online on sites like Craigslist, Facebook Marketplace and OfferUp.

Alternatively, you could hold a garage sale to offload your unwanted gear for a small profit.

5. Plan Your Commute

As you settle into your new digs (or even before you arrive), map out how you’ll get to work, school or wherever else you’ll travel regularly. Commuting costs may seem minor on a day-to-day basis, but those expenses add up.

To calculate how much you’ll burn in gas, divide the gas price in your new city by the number of miles per gallon (mpg) your vehicle averages. Multiply that figure by the number of miles you’ll drive in a month to get a rough estimate of your monthly commuting costs.

Of course, that amount doesn’t factor in parking, tolls, vehicle wear-and-tear or fluctuations in gas prices and your car’s mpg, so consider it a conservative estimate.

To save money, you might want to consider other options for commuting to work, such as biking to the office (if you live close enough) or using public transit.

6. Find Budget-Friendly Things to Do in Your New City

Moving to a new city can wipe out a good portion of your savings. So if you’re amped to visit local attractions, dine at neighborhood restaurants and attend events in the town you now call home, you have to get creative so you don’t further drain your bank account. 

Choose low-cost or free things to do as you explore and get acclimated. Walk through your city’s downtown or other neighborhoods of interest (or take a guided tour) and check out the local businesses, street art and public parks. Your visitors center is a great place to go for information about hot spots and annual events — even though you’re not a tourist.

Check sites like Groupon and LivingSocial for discounts on experiences in the area. Museums and other attractions may offer reduced-admission days or discounts for residents. Browse their websites for info or call to inquire.

Want to check out all the hot local restaurants with the great Yelp reviews? Take advantage of happy hour specials, order appetizers instead of entrees or dine at lunch rather than dinner to avoid overspending.

Getting involved in your new community by volunteering, taking a class at the library or attending a Meetup with other residents who share a common interest is another great (and affordable) way to help you adjust to your new city.

Nicole Dow is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Options Trading: Buying and Selling Calls & Puts for Hedging & Profit

As markets become more turbulent and investors are seeking ways to protect profits or perhaps enhance them, call and put options are rising in popularity in an unprecedented manner.  Of course, investors are much more likely to shoot themselves in the foot, than do anything productive when it comes to “calls” and “puts” – but…The post Options Trading: Buying and Selling Calls & Puts for Hedging & Profit appeared first on Million Dollar Journey.

Carole Baskin Says Discussing Tiger King on DWTS "Did Not Help" Her Performance

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Book review: The Story of Life in 10 1/2 Species

The Story of Life in 10 1/2 Species, by author, illustrator and photographer Marianne Taylor, must be the most interesting, beautifully designed and enlightening book about biology I’ve ever read. Packed with colourful illustrations, graphics and photos, it is also firmly rooted in rigorous science and doesn’t shun complexity.

The premise of the book is surprising: “If an alien visitor were to collect ten souvenir life forms to represent life on earth, which would they be?” Taylor uses soft-shelled turtle, Darwin’s finches, the giraffe and other living organisms as a springboard to survey the long evolution of life on Earth and break down the intricacies -and in some cases the subjectivity- of taxonomy.

The fern, for example, opens up observations about the formation of oxygen in the atmosphere, about chlorophyll and the fact that “before there was life there was chemistry.”

Nautiluses have changed very little over the past 500 million years. Taylor explains how these “living fossils” survived 5 catastrophic mass extinctions. And yet, today they need to be protected from human activities. Already threatened by pollution and climate change, the molluscs are also hunted for sale as live animals or for their shells.

Act Wild for Lord Howe Island Stick Insects

The chapter about humans is a humbling one. It comes after the chapter on sponges, animals that have no organs, no circulation, no digestive systems, no distinct body parts. The human species has all of the above, plus an impressive list of evils: it is hyper-predatory, obsessed with domestication and it thrives at the expense of all other living things. The section also rehabilitates Neanderthal men. They were great apes too and were as quick-thinking and as societally advanced as we are today.

The chapter on the stick insect of Lord Howe Island does restore a tiny bit of faith in humanity. The story of the massive insect offers lessons about Lazarus species (organisms thought extinct and rediscovered), life in ultra hostile environments and the phenomena of island gigantism and island dwarfism but it also shows that many surviving species are dependant on human conservation efforts. If we disappear the least adaptable will fall into the “evolutionary dead-en” category.

The giraffe (Latin name: Camelopardalis!) tells about the inbreeding depression. A low population is accompanied by a drop in genetic diversity which can concentrate harmful genetic mutations that further weakens the population as a whole and slows down its potential rate of evolution.

Roelant Savery, Edward’s Dodo, 1626

The author uses the dusky seaside sparrow and the many, unsuccessful programs put in place to save it from extinction, as an opportunity to look at cloning technologies, genetic engineering and other tools at the disposal of conservationists to “rebuild” a species that is extinct or about to be extinct.

The “half” species in the title is artificial intelligence. That section is a bit of an odd one. It crams together the “artificial selection” imposed on cultivated crops and domesticated animals, genetic engineering, cybernetics, the marriage of living tissue to non-living components, etc. Its conclusion suggests a planet in the throes of mass extinction and powered by flying robot pollinators and artificial photosynthesis. Nothing to be cheerful about but Taylor keeps such a good balance between reasons to despair and reasons to keep the hope alive that I almost forgot to be angry about what we’re doing to the other inhabitants of planet Earth.

Who Is Thalía? The Mexican Icon Describes Her Persona in a First Look at Latin Music Queens

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Options Trading: Buying and Selling Calls & Puts for Hedging & Profit

As markets become more turbulent and investors are seeking ways to protect profits or perhaps enhance them, call and put options are rising in popularity in an unprecedented manner.  Of course, investors are much more likely to shoot themselves in the foot, than do anything productive when it comes to “calls” and “puts” – but…The post Options Trading: Buying and Selling Calls & Puts for Hedging & Profit appeared first on Million Dollar Journey.

Ransom from Home – How to close the cyber front door to remote working ransomware attacks

Coronavirus has caused a major transformation to our working structures. In many cases these will long outlast the pandemic. But making from home has its own jeopardies. One is that you may invite ransomware attacks from a brand-new raise of cyber-criminal who has previously confined endeavours to directly targeting the corporate network. Why? Because as a remote worker, you’re increasingly viewed as a soft target–the open doorway to gouging fund from your employer.

So how does ransomware land up on your breast doorstep? And “whats being” a home craftsman do to shut that entrance?

The new ransomware trends

Last year, Trend Micro saw over 61 million ransomware-related menaces, a 10% advance from 2018 people. But things have only gotten worse from there. There has been a 20% spike in ransomware detections globally in the first three months of 2020, rising to 109% in the US. And why is that?

At a basic rank, ransomware searches for and encrypts the majority of members of the data on a targeted computer, so as to see them unusable. Victims are then asked to pay a ransom within a aim time frame in order to receive the decryption key they need to unlock their data. If they don’t, and they haven’t backed-up this data, it could be lost forever.

The trend of late, however, has been to focus on public and private sector organizations whose staff are working from residence( WFH ). The motivation is that remote employees are less likely to be able to defend themselves from ransomware attacks, while they too stipulate a beneficial stepping-stone into high-value corporate structures. Moreover, cybercriminals are increasingly looking to steal sensitive data before they encrypt it, even as they’re more likely to fetch a higher ransom for their efforts than they do from a normal customer, especially if the remote employee’s data is covered by cyber-insurance.

Home employees are also being more targeted for a number of reasons 😛 TAGEND

They is perhaps more amused than those in the department. Dwelling structure and endpoint protection may not be up to company levels. Home methods( routers, smart-alecky home devices, PCs, etc .,) may not be up-to-date and therefore are more easily exposed to employs. Remote employees are more likely to visit insecure sites, download risky apps, or share machines/ networks with those who do. Corporate IT security units may be overwhelmed with other tasks and unable to provide prompt support to a remote proletarian. Security awareness curricula may have been lacking in the past, perpetuating bad pattern for employees at home.

What’s the attack profile of the remote wreaking menace?

In short-lived, the bad people are now looking to gain entry to the corporate network you may be accessing from dwelling via a VPN, or to the cloud-hosted organizations you use for work or sharing registers, in order to be allowed to first steal and then encrypt company data with ransomware as far and wide as possible into your organization. But the methods are familiar. They’ll

Try to trick you into risky behavior through email phishing–the usual policy of coming you to click associates that redirect you to bad websites that live malware, or going you to download a bad file, to start the infection process. Steal or guess your log-ins to work email chronicles, remote desktop implements( i.e ., Microsoft Remote Desktop or RDP ), and cloud-based storage/ networks, etc ., before they give the full ransomware warhead. This may happen via a phishing email spoofed to appear as if sent from a legitimate source, or they may scan for your abuse of specific tools and then try to guess the password( known as brute thrust ). One new Mac ransomware, announced EvilQuest, has a keylogger built into it, which could capture your companionship passwords as you type them in. It’s a one-two punch: steal the data firstly, then encrypt it. Target malware at your VPN or remote desktop software, if it’s prone. Phishing is again a popular way to do this, or they may hide it in software on torrent sites or in app accumulations. This holds them a foothold into your employer’s systems and network. Target smart-alecky dwelling inventions/ routers via vulnerabilities or their easy-to-guess/ sound passwords, in order to use home systems as a stepping-stone into your corporate structure.

How can I foreclose ransomware when working from home?

The good information is why you, the remote craftsman, can take some relatively straightforward steps up front to help mitigate the cascading gambles to your company posed by the new ransomware. Try the following 😛 TAGEND

Be cautious of phishing emails. Take advantage of company training and awareness courses if offered. Keep your dwelling router firmware, PCs, Macs, mobile manoeuvres, software, browsers and operating systems up to date on the most recent editions- including remote access tools and VPNs( your IT district may do some of this remotely ). Ensure your dwelling network, PCs, and portable machines are protected with up-to-date with structure and endpoint AV from a reputable marketer.( The answers should include anti-intrusion, anti-web threat, anti-spam, anti-phishing, and of course, anti-ransomware aspects .) Ensure remote access tools and user accountings are protected with multi-factor authentication( MFA) if expended and disable remote access to your dwelling router. Disable Microsoft macros where possible. They’re a typical affect vector. Back-up important enters regularly, harmonizing to 3-2-1 rule.

How Trend Micro can help

In short, to close the cyber front door to ransomware, you need to protect your home network and all your endpoints( laptops, PCs, portable manoeuvres) to be safe. Trend Micro are contributing to via

The Home Network: Home Network Security( HNS) connects to your router to protect any devices connected to the home network — including IoT contraptions, smartphones and laptops — from ransomware and other menaces. Desktop endpoints: Trend Micro Security( TMS) offers boosted protection from ransomware-related threats. It includes Folder Shield to safeguard value folders from ransomware encryption, which is able placed locally or synched to cloud business like Dropbox( r ), Google Drive( r) and Microsoft( r) OneDrive/ OneDrive for Business. Portable endpoints: Trend Micro Mobile Security( also included in TMS) protects Android and iOS devices from ransomware. Procure passwords: Trend Micro Password Manager enables users to securely place and reminisce strong, distinct passwords for all their apps, websites and online histories, across multiple machines. VPN Protection at home and on-the-go: Trend Micro’s VPN Proxy One( Mac | iOS) solution will help ensure your data privacy on Apple machines when working from dwelling, while its cross-platform WiFi Protection solution will do the same across PCs, Macs, Android and iOS designs in order to work from home or when connecting to public/ unsecured WiFi hotspots, as you go out and about as the coronavirus lockdown naturalness in your province.

With these tools, you, the remote employee, can help shut the breast entrance to ransomware, protecting your work, inventions, and firm from data theft and encryption for ransom.

The post Ransom from Home- How to close the cyber front door to remote working ransomware attacks materialized first on .

Read more: blog.trendmicro.com

The Economy and the 2020 Election: A Complete Guide

On November 3, American voters will decide who sits in the oval office for the next four years. While things will certainly change between now and then, a recent poll from Reuters has former VP Joe Biden at 47% and President Donald Trump at 40% among registered voters. It also showed that voters rank the economy as one of the most critical topics in the upcoming election.

As with any election, it’s sometimes hard to pin down the candidates’ views on all the topics that could affect your wallet. So, here’s a look at what Biden and Trump are saying about seven economic issues.

I. Affordable housing

A growing number of Americans are finding it harder to cope with rising costs of rental housing in the U.S. And some experts warn that job losses caused by the pandemic will extend the housing crisis if relief doesn’t come.

Trump

President Trump has not issued a specific housing plan for the 2020 election. However, past actions and his 2021 budget request give us an idea of what to expect. The budget calls for reductions, or elimination of key housing programs — the proposed cut to HUD is $8.6 million.

Trump repealed the Obama-era Affirmative Furthering Fair Housing (AFFH) regulation and has proposed the “Preserving Community and Neighborhood Choice” as its replacement. This rule required the administration to use HUD funds to promote fair housing, defined as “affordable, safe, decent and free of unlawful discrimination.”

I am happy to inform all of the people living their Suburban Lifestyle Dream that you will no longer be bothered or financially hurt by having low income housing built in your neighborhood…

— Donald J. Trump (@realDonaldTrump) July 29, 2020

Biden

Biden has plans to expand the housing voucher program, reinstate regulations like the AFFH and require that states who receive money from the government use part of it to plan for affordable housing. A pillar of his broader plan to address racial discrimination in housing is to ensure that no more than 30% of a person’s income goes toward home costs.

Based on his housing proposal, Biden plans to invest $640 billion over 10 years “every American has access to housing that is affordable, stable, safe and healthy, accessible, energy-efficient and resilient, and located near good schools and with a reasonable commute to their jobs.”

II. Minimum wage

Since 2009, the federal minimum wage has been $7.25 an hour. To put that into perspective, someone who works full time (40 hours) at minimum wage only makes around $15,000 a year. Around 80% of Americans are currently living paycheck to paycheck.

Trump

During a July interview with Fox Business Network, Trump said, “I’m going to have a statement on minimum wage. I feel differently than a lot of people on minimum wage, some people in my own party. But I will have a statement over the next two weeks on minimum wage.”

He indicated that it would be a positive comment and that he will be “looking into it,” though a definitive statement has not come. Historically, the Republican Party has not often supported a significant rise in the minimum wage.

Biden

Along with two-thirds of Americans, Biden supports raising the minimum wage to $15 an hour by 2025. He proposes more regulations to monitor the abuse of corporate power over workers — addressing things like overtime and labor laws.

[Read: Biden’s Economic Plan, Explained]

Biden has also shown continuing support for raising the pay for essential workers during the pandemic. “It’s quite frankly inhumane and downright immoral because these workers are essential to our society. Not just in times of crisis, but always.”

III. Taxes

Taxes for both the average American and large corporations will continue to be an integral part of this year’s campaigns. Trump points to the things he has always done, while Biden aims to overhaul significant changes.

Trump

Trump’s recent executive order delayed payroll taxes during the pandemic to increase how much Americans take home with their paychecks. More tax cuts are an essential part of his platform; if re-elected, he has pledged to cut them permanently — though Senate approval is needed for this to come to fruition. “We’re looking very seriously at a capital-gains tax cut and also at an income-tax cut for middle-income families.”

[Read: Trump’s Payroll Tax Deferral, Explained]

Previously, Trump cut corporate taxes, which resulted in a huge spike in corporate profit. Coupled with his deregulation efforts, we expect to see a continuation of the current Wall Street tax policy.

Biden

During his Super Tuesday speech, Biden said, “Let’s get something straight. Wall Street didn’t build this country, you built this country. The middle class built this country, and unions built the middle class.”

His stance has not changed. You’ll find 17 separate tax proposals on his campaign website. Biden plans to roll back a significant amount of Trump’s $2 trillion tax cut, which would impact Wall Street’s pockets. Biden has said he would raise the corporate tax rate from the current 21% to 28% and restore the top individual rate to 39.6%.

IV. Budgets and spending

Getting the U.S. out of debt has been a big selling point for candidates through the years. Aid related to the coronavirus has plunged the nation further into debt, approaching levels we haven’t seen since World War II.

Trump

Like many before him, the president’s largest claim is to reduce redundancies and eliminate wasteful federal spending.

“We’re making our country stronger again, we’re not decreasing Medicaid, but we’re doing a lot of things that are very good, including waste and fraud,” Trump said earlier this year.

Outlined in the 2021 budget, Trump has increased military and defense spending to $934 billion. After the entitled programs like Social Security, that only leaves $595 billion to pay for everything else, including functions in the IRS and Justice Department.

Biden

In the Democratic primary, Biden proposed a $1.7 trillion 10-year spending plan. It has since evolved into a $2 trillion 4-year plan with intentions of ensuring carbon-free sources generate all of the nation’s energy. His proposals come to around $10 trillion, which leaves many people wondering how the former VP plans to deal with the national debt.

V. Income inequality

According to a study from the Pew Research Center, 60% of Republicans believe the choices people make determine economic inequality. That said, many Americans are ready to fight against the income and wealth gap.

Trump

Trump has essentially stuck to his original 2016 plan to address forms of economic inequality — tax cuts, rollbacks and trade — and claims that they will benefit all Americans.

Biden

The three prongs of Biden’s approach to income inequality are access to money, housing and education. “The moment has come for our nation to deal with systemic racism, to deal with the growing economic inequality in our nation and to deal with the denial of the promise of this nation,” Biden said during a press conference in Philadelphia.

[Read: How Would Biden’s Federal Credit Bureau Work?]

Biden has also hinted that his plans for reform are more expansive. Childcare availability and bringing jobs to Americans are also among his action items.

Income inequality is on the rise — made worse by the Trump tax cut that was a giant giveaway to the super-wealthy. We’ve got to rebuild the backbone of this country — the middle class.

That starts by rewarding work, not just wealth.

— Joe Biden (@JoeBiden) July 1, 2019

VI. Net farm income

The USDA’s February Farm Income Forecast estimates that when adjusted for inflation, net farm income will decline in 2020. As farm bankruptcies were up almost 20% in 2019, net farm income is a topic to watch for.

Trump

At a rally in Des Moines, Trump stated, “Under three years of my administration, net farm income has already gone up nearly 50%.” However, experts point to the boost in net farm income as a result of the federal aid received to make up for the China trade loss.

Overall, Trump does not have a defined list of proposals for net farm income, even though he is confident the success of farms is dependent on his re-election.

Biden

Biden plans to strengthen rural America by pursuing a trade policy that favors farmers and their production. Current tariffs under Trump cost farms a lot, leaving many of them forced to file for bankruptcy. Biden attributed the increase in bankruptcies “largely to Trump’s unmitigated disaster of a tariff war.”

His campaign website outlines the details of his proposals, including plans to provide support to new farms and help create food systems that maximize profit.

VII. Healthcare costs

On average, Americans pay around $5,000 out-of-pocket for their healthcare costs each year, whether it’s for insurance, medical bills or prescriptions. Healthcare concerns continue to be one of the most important issues to voters. It’s also one that Republicans and Democrats disagree on how to tackle.

Trump

While his second-term agenda uses fairly ambiguous bullets like “put patients and doctors back in charge of our health care system,” he has claimed lowering premiums and ending surprise medical bills is part of his plan.

Lowering pharmaceutical prices and expanding healthcare options are also some of the main points he lays out. The sentiment is simple: make sure every American has access to health care at an affordable cost.

Biden

Biden’s focus is to protect the Affordable Care Act from bipartisan efforts to eliminate it. He also plans to improve the existing reform plan and keep the high premiums by increasing federal subsidies to enrollees.

Too long, didn’t read?

The pandemic has put an unprecedented spin on the upcoming election. Candidate’s proposals are expected to address the continuing impacts the pandemic is having on the economy and people’s finances in addition to larger policy changes. Remember, if you plan to vote by mail, keep an eye out for your state’s deadline for requesting a ballot.

Keep reading

• Where Does Kamala Harris Stand on the Economy?
• 5 Things the Next Stimulus Package Desperately Needs
• Why Universal Basic Income Would Be Good for the Economy

We welcome your feedback on this article. Contact us at inquiries@thesimpledollar.com with comments or questions. 

Mingirov/Getty Images.

The post The Economy and the 2020 Election: A Complete Guide appeared first on The Simple Dollar.