Posts Tagged ‘a’

What Coupon Codes Can Do

Wednesday, August 12th, 2009

The best things in life are for free. We always look forward to receiving gifts, getting free items from grocery stores, and rebates. This is not simply for monetary reasons because we always have the money to buy our guilty pleasures but there is something about getting free items that makes it a lot different. How would it be if you received freebies from your all time favorite bags and shoes brand?

Most of us who want to take advantage of freebies surf the Internet to look for coupons. Coupons are tickets or document that can be exchanged for a discount or rebate when we intend to purchase a product. Most of the time it is issued by manufacturers and retailers of consumer packed goods that are to be used on retail stores as part of a sales promotion.

The Cola Cola Company started the use of coupons in 1887 when they gave out coupon codes to market their products. This indigenous marketing strategy became a big hit that earned marketing mileage to the company. Soon after, coupons are littered to our mail, our magazines, newspapers, the Internet, and mobile devices such as cell phones.

On the other hand, mobile coupons are also being used as more and more consumers utilize mobile devices for uses beyond making voice calls. The increasing use of the World Wide Web paved the way for popularity of coupon codes, because businesses do not have to pay postal costs. The printing cost is borne by the user, who prints the coupons, rather than the businesses issuing them.

Coupon codes can be found in various websites of online retailers all for the consumption of consumers. Majority of those who frequent these sites save a lot of money through the discounts given and get premium items upon redemption of these coupons. Plus, it is not too difficult to look for these coupons too.

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Can I Really Get Cheap And Safe Babysitting In This Economy Crisis?

Wednesday, July 8th, 2009

Childcare can be one of the most expensive services that families have to pay for. With a global economy crisis happening, many families are feeling the crunch of trying to reduce their household expenses. Beyond coupons and finding opportunities to buy for cheap, the need to greatly reduce their budget to make ends meet is a very pressing issue for many. But, there are other ways to get cheap and reliable childcare, even as families are going through the economy crisis.

Here are 2 ways to reduce the overall expense of childcare and still ensure that your child is safe and happy:

Develop a babysitting “co-op” with a few close families that also have children. Together, create a plan that will allow for you all to realize a financial saving on childcare by watching each others’ children. If you are already close, then your children will know each family and will feel safe and comfortable being with them. By breaking up the childcare into bit that each family can handle, everyone will benefit

Pretty much, you just set up a schedule that works for everyone, which would allow for people to have special nights out, daily afterschool care, or full weekend coverage. Plan on a quarterly basis to keep it flexible, open, and fair. It would be even better if you make a pact to offer special activities, low or no cost, for the children, such as learning certain skills or participating in certain free community programs when they are in each family’s care. That will keep the kids from being bored and the families from feeling overwhelmed.

Another possibility is to get your own family involved. Many people have a young or unattached relative that would probably love to mind your children. If you have a relative that is a college student or that would like to stay someplace for practically free, then a live-in situation could work for all of you. With everyone trying to save a few dollars, your family could really save a lot of money.

The cost of weekly childcare at a professional day care center can run a family upwards of $300-400 per child. Just by having a live-in childcare arrangement in place, a family realizes a huge saving. Cost-reduction for live-in childcare could be as much as 75% or about $200 savings per week. It’s definitely worth it for everyone involved. The children get the attention and love of a family member, you get peace of mind that your child is safe, and the relative gets to save a few dollars which could really help them to manage their own costs of living.

Your family will appreciate the saving, cost reduction, and opportunity to try a new way of getting your childcare taken care of with these two easy methods. During this economy crisis, everyone is looking for alternatives that will work for their families. Reducing your child care expense could be just the break that your family budget needs!

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Repair Bills - Green Cash Down The Drain

Saturday, July 4th, 2009

Consider these numbers: $1500 for an insignificant scratch on the bodywork; $3500 for a new exhaust valve; at least $150 for a new trunk-release switch cover. These aren’t figures from the realm of fantasy, but actual repair expenses that drivers have provided to AOL Autos after having coughed up these amounts for repair jobs that only seemed small. The alternative is to do the job yourself, or buy a new car. That seems extreme, right? So just pay up like a good citizen and suffer in silence, seems to be the mantra.

Stump up for the Bumper

Deana May, at Los Angeles-based AC Auto finishing, is aware of the surprises a store has for even a car brought in with just a minor scratch. According to May, “It’s a scary thing — looks can be deceiving. You can do an estimate on a front bumper then take it off and behind it there’s all kinds of damage. Low-profile cars with low-profile tires go over a bump or up a driveway, they don’t take an angle, often they need a whole new front end.” In addition, problems of these types arrive frequently at her shop. Last month a Lotus driver was billed a sum of $5,400 for his car repairing; however, after verifying the condition she had to agree. She informs about the possible dangers and costs of drivers receiving incorrect quotes for the upkeep with high-performance components, like for an AMG, for a Mercedes or Brabus.

Cracked Grille and Fender Bender

Willy Stroppe, president of automotive engineering firm Bill Stroppe & Sons in Paramount, California, says he once looked at what seemed like insignificant damage to the front of a Ford pickup truck that ultimately became a huge repair bill. It looked like the front plastic grille was broken by a light hit, but when we got into it the housing behind the grille was cracked and broken all the way up. Replacing everything from the fenders, to the headlight vessels, to a new front end, it all adds up. In many cases you gotta pull out the radiator. That’s not something you can do in a couple hours. Stroppes seen similar problems on a Ford Explorer ” he works mainly with Fords ” and the pickups repair bill crossed $1200. Its not like the old days when everything was steel, he adds. He also says that second hand car buyers should beware of a practice hes seen plenty of in nearly 50 years in the car business ” a repair shop buys a car whose frame and shell seem fine but whose inside needs a lot of work, for example, on its suspension. Often, says Stroppe, an unscrupulous shop will make the car roadworthy with a substandard repair job, and then sell it on to an unknowing buyer, leaving room for a huge future repair bill.

$150 Cover Up

Mark Essig, a writer in a small town in North Carolina, was astonished to find a repair bill of $150 on his car by a local mechanic just to replace a missing cover for the trunk-release switch in his ten-year-old Mercedes 320 CLK. Though such expensive repair bills are no longer a surprise for upscale European marques, Essig says, this one really took the cake for its icing on a already frosty $2000 repair bill which he did not expect in the first place. He says that this was not included in the estimate and it came as an additional cost. He says: “It was part of a $2000 repair bill that included valve cleaning and brake work, and I was so sick to my stomach that I couldn’t quibble over $150. Best part was, I didn’t ask him to do it.” Another story involves a Porsche 944 owner, Michael Russell, an AOL Autos friend who too his old-school German car for repair and got more than he bargained for in the form of $3,500 repair bill including labor cost in place of $15 exhaust valve replacement which was what he expected it to be. He says, that they had to rip out the engine to get to the valve, which had burned out, a common enough problem in older performance vehicles. Since without the repair, he had no way of getting to work, he had to grit his teeth and bear the cost.

Air Pressure

It is advised to search out a second opinion, and always review general system reliability as you decide to replace individual parts on older-model cars. Look into this story to know the brutal truth of car repair: I found this to my cost when I took my wife’s 1995 Nissan 240SX S-ER to my local mechanic’s last week to fix the air conditioning. I’d already taken it into the shop the week before, where they’d diagnosed a leaking gasket that had depressurized the system. So they duly fixed the gasket, re-filled the system with Freon coolant and pressurized it. Bill: $300. Not bad for an AC fix, I thought, until two days later the system again began blowing hot. So it was back into the shop, where they took a second look at it before telling me another seal had broken, this time in a hard-to-reach spot, meaning extra labor. Estimated cost: $800. When I pointed out that the original fix was under warranty, my mechanic agreed but argued that a different component had malfunctioned and therefore the additional repair was not under warranty. Many more attempts at bargaining failed. Result: I’m $300 out of pocket, and my wife has a long, hot summer to look forward to (unless she nabs my car, which is likely).

Chilling Coolant, Hot Cost

Ken Lavacot of www.2carpros.com advises you to never ignore little signs. A bit of steam coming out of the exhaust may seem like nothing, but it could be a warning of huge repair bills. For example, he says, “Coolant is normally used to cool the engine, but if coolant gets into the combustion chamber, the engine will burn it, generating white smoke and steam.” Among the expensive solutions is gasket replacement. “If the gasket that seals the intake manifold to the cylinder head fails it lets coolant into the intake port and then the combustion chamber. In which case, the intake manifold will need to be removed.” And getting to the gasket and reassembling the parts once it is replaced is the expensive bit. If there is coolant in the combustion chamber but the gasket is functioning, Lavacot says the engine must be taken apart. He adds: “This can be tricky because it is difficult to tell what is causing the problem. For example: A repair shop has told you the cylinder head is cracked, and as they start disassembly they can discover it was the intake manifold gasket that has failed. An honest repair shop will inform the customer that the repair bill will be lower. Or the opposite can happen. A repair shop may tell you that your engine has a blown head gasket, but once the disassembly is complete they inform you that the head gasket is fine, and so is the cylinder, which has been pressure checked. This only leaves the engine block as the failure and must be replaced, and that can be costly.”

Paintwork Blues

My brother-in-law had lent his Jaguar convertible to a family member who took it to a wedding. He returned it with a scratch in the back panel on the driver’s side. Generally, a good repair or bodywork shop can erase scuffs at minimal cost, but the Jaguar XK8’s aluminum shell demanded a costly adhesive to repair the scratch to prevent further corrosion or damage of the car’s monocoque shell. The whole repair work was as costly as $1500. The technician told him that he was blessed the scratch was light otherwise repairs might turn out double or triple in cost, an increasingly general incident as more luxury carmakers counting Audi, Mercedes and BMW harness the aluminum-shell technology (taking advantage of its increased strength and lighter weight). So, it is better to get several estimates for the paintwork. It is also better to think twice before you lend your precious car.

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Low Cost New Year Affair

Sunday, June 21st, 2009

You can cause a stir this new year without causing too much of a commotion with your wallet by making your New Year affair a cheaper, but still fun, event. While it may seem unrealistic that you could actually save money and yet party through the night, truth is, you really can if you follow these simple tips:

Leave off the alcohol. For some people, they get in more trouble because of a wild, alcoholic new year celebration than they thought possible. Try something different this year and make being with your friends and loved ones the main attraction for your event instead of just the thrill of consuming lots of drinks. It may actually make the event more special because you and your guests might actually be able to remember all of the fun that you had!

Check local thrift stores for party supplies before going to a retailer. Many times, people have items left over after their affairs and simply donate them to make space. Their leftover party supplies can be a treasure that could save you lots of money.

Add some personal flair by making your own party hats! With a little cardboard or card stock, wrapping paper, and string, you could make some really funny cone-shaped party hats that your guests will love! Simply roll the cardstock into a cone, secure with tape or staples, wrap with colored paper (could be newspaper comics), and use string, yarn, or ribbon to make a tie. Voila! Silly, simple, and a great savings for your event.

BYOF - Invite people to Bring Your Own Food! This is a great way to save and get your party “catered” with loads of yummy fare. Pretty much, let people bring what they want, and for those that are not the best cooks, have them pick up the extras like condiments and chips. One of the only things better than being able to buy for cheap is not having to buy at all!

Bring in the new year without breaking your holiday piggy bank. Use these tips and enjoy starting a new year with a few extra bucks in your bag! Now, that’s something to be really happy about.

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How to Buy a Car with Bad Credit

Friday, June 19th, 2009

Do you need to find a way on how to buy a car with bad credit? First, be honest with yourself, acknowledge that you have a problem, and then see what your credit score is. A report cold cost you $30 to $40 in fees.

Think of it as an investment. You could save hundreds of dollars on a car deal because of your credit-score report. Even if you are financial status is in the red, go to a car dealership to buy a car.

Those companies are in the business of selling. They always want to close a deal and gain profits. Anyway, it is your choice to buy or not, and you can always go to another dealership if you do not find it to your liking.

The salesmans constant patter and all-around knowledge of the product he is trying to sell might get intimidating. Do not let him cow you; you are a potential customer. Whether he sells to you or to someone with a better credit, it is still money.

Show confidence; that is a way on how to buy a car with bad credit. You will have more confidence if you could get a bank loan before going to a dealership. If you have the loan secured, go to a dealership with money in your pocket, and just as easily walk out if you do not like the deal they are offering.

Be conscious of your negotiating position when attempting to buy a car with bad credit. Bank financing can improve your position. And another thing, a realistic approach by someone in your situation will save you time.

Like if your credit score is so low, you do not have to go to a bank and waste your time trying to get financing. Dealer financing will just have to do, although they charge very high interest rates, which you can refinance at lower rates with a bank after half a year. This is one way on how to buy a car with bad credit.

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How Not To Let The Economy Crisis Spoil Your Summer Fun

Wednesday, June 17th, 2009

Summer’s coming…very quickly. Before parents know it, the kids will be out of school and ready to start exploring and getting their share of summer fun. During this economy crisis, many families will need to scale back or be a little more resourceful with how they spend their money to provide their children with a good summer and still make ends meet. For some, it may seem like an impossible task, but really it’s not. Here are 3 tips for families to use to get out while not causing too much of a strain to the family budget:

Medium and large families should always buy a membership to local attractions and museums. If you have more than 3 children, chances are it is never feasible to purchase tickets for a single trip to your local kids museum or playland. Any frugal fashionista can see how their family will benefit from purchasing a membership, which is often offered, instead.

An annual membership to your favorite attractions could save you a considerable amount of money. Most of them do not put a limit on the size of the family that will use them, so whether you have 3 kids or 13 children, your family would be covered. Many of these memberships allow for unlimited daily visits for the duration of the membership, which can be for one or two years. These programs also offer great incentives like free passes for other family or friends, coupons or discounts for other attractions, and free parking passes. Your upfront cost may be $50-150, but after a couple of visits, the membership will eventually pay for itself! Plus, this economy crisis is provoking more organizations to reduce these membership costs even more to get more people to purchase them. This is definitely the time to get it on the deals and your family could spend their summer coming and going to these places when you want.

Research and map out all of the free attractions in your area. Planning is key to having a fabulous time this summer. Gather as much information as you can by visiting the website for your chamber of commerce, local family or parent publications, and “free papers”. These are all great places to look to find out what’s going on in your area. Instead of just planning for a day or two, make a calendar for the entire summer. That way, you always know about the places to go and the things to do, even if your family does not make it to every event.

Do something to help others! During this economy crisis, there are definitely plenty of organizations that need help because of dwindling resources. You and your family could make helping an adventure and it won’t cost you any money. Instead of a donation, get your hands dirty and do something. Have the children decide which types of activities they would be interested in, such as visiting the elderly or working in the garden for a hospice. Then, plan your adventure accordingly.

You and your family may be surprised as what adventures and learning experiences await you when you volunteer at these different organizations. Make the most of the time together by incorporating some other fun component, like riding bikes to the facility, which could help you to save on gas! However or wherever your family decides to have their summer volunteering adventure, it will be a great opportunity to appreciate the things that you do have despite going through this economy crisis.

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Cheap Beer - Find That Perfect Taste!

Tuesday, June 16th, 2009

When I start thinking about cheap beer brands, I immediately think of two names, Coors Lights, and of course ’stones’ also known as Keystone Light.

But these two are just the tip of the iceberg there is a vast number of less expensive beer brands available out there many that you have probably never even heard of.

* Busch - From my personal experience with Busch, I can honestly say that the only reason I included it on my list is the price tag. The pour comes out a golden liquid, that presents an aroma of corn. Busch has a heavier body that most of the other cheap beers. The taste is somewhat lacking but you get what you pay for.

* Black Label - Yellow pour with a white head. Horrible corn, grain, and alcohol aroma. Flavor is also horrible, corn grain, alcohol, and very bland and watery. Nothing good here.

* Coors - After pouring you have a clear, light yellow liquid, with medium white head, that doesn’t last very long. Very light aroma. There is a light grain flavor coupled with a thin/watery texture and some fizzy carbonation.

* Genesee - Consists of a Clear pale yellow liquid with a frothy white head that quickly diminished to a light layer on the beers surface. The aroma is consists of yeast and corn husk. The taste is like a mild bitter watery liquid with corn flakes and corn husk. There is a barely perceptible bitter aftertaste.

* Huber - Very watery and nearly tasteless - malt, corn, and a light metallic finish. Its fizzy and pale yellow liquid and the head is gone immediately. Almost no aroma, except for a very faint trace of malt.

* Keystone - Consists of a bland taste when compared to most other domestic light beers give it a great value. Most people I know who cant stand the taste of beer can tolerate the “never bitter” Keystone, which says a lot. The old college favorite is still my beer of choice when I need something for drinking games.

* Miller Light- The uncontested king of Cheap Beer, with its clear yellow liquid, decent taste of wheat and hops, and not to much head. Honestly if I’m need to choose a cheap beer off this list this is definitely the one I would personally choose.

* Natural Light - Lemony corn aroma. Clear effervescent yellow appearance, thin head. Cardboard flavor tinged with stale malt. Harsh mouth feel. For a moment I thought I tasted hops, but I think it was only wishful thinking. I feel sorry for all of the college kids who are forced so slug down this beer simply because its cheap.

Cheap Beer - Final

After going through a small list and discussing some of the beers I’m going to provide you with a quick wrap up. If you want something cheap and simple for party guest to drink or to use for drinking games, my recommendation is keystone, one of the cheapest of beers, its watery qualities allow you to drink large amounts of beer while still landing that ping pong ball in the appropriate cup.

If you need something for casual consumption and prefer not to spend a fortune or don’t have a fortune to spend, try Coors or Miller Lite. They are usually a safe bet. Good Luck and Happy Drinking.

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3 Easy Strategies For Saving On Summer Camp In This Economy Crisis

Tuesday, June 16th, 2009

Families all over are starting to prepare for summer and all the financial strains that go along with it, including summer camp. During this economy crisis, many families are making the decision as to whether or not their children will be attending summer camp this year. The cost of summer camp can really eat away at a family’s budget, especially if they have multiple children that want to attend camp. That being said, the truth is that there are ways for families to have their summer camp fun and still save a few pennies in the process. Try these 3 tips that can help your family make summer camp a reality for your kids:

Use your skills to make summer camp happen! Bartering has been done down through the ages, but more recently, it has experienced a resurgence because of the economy crisis. If you have some good skills, either mechanical, handyman skills, or even technical skills, a local summer camp may be willing to offer you a free pass for your kids if you perform certain services and tasks for their camp. You could also offer your business space as potential advertising for the camp. They would not only be able to get more campers from the advertising space, but your child may be able to go for free if you are able to successfully barter. It’s worth asking!

Earn a few extra dollars by selling bottles and other items to recycling companies or by having a garage sale. This is an activity that everyone in the family can get in on to help earn money for summer camp. Just make an effort, as a family to be on the look out for cans and other recyclables, and of course, save your own recyclables. Find your local recycling center and get the money for your work!

When people want to buy for cheap, one of the first places that they go is to a garage or yard sale. Once again, as a family you could sell some personal items that you don’t have the space for or even additional food items on the day of the sale like cookies or lemonade, which work great when it’s hot out! In an economy crisis, many families are staying away from the high priced retail prices and accepting gently used stuff. By selling these items your family could potentially earn and save enough money to send the kids to camp and still have a few dollars left for a little family vacation! Hey, it’s possible!

Don’t give the private camp your cash, make community day camp your kid’s fun haven! It may be tempting, but those expensive residential camps can cost upwards of $500 per week, per child. That’s a lot of money. Look into the resources that you have right in your community and your child could potentially go to camp for as cheap as $35 per week! That’s a perfect opportunity for your family to buy for cheap the summer camp activities that your child may want but without the extreme expense. Many community summer camps have so many different activities planned that just deciding which type of camp that your child will attend could provide a lot of excitement for him or her.

The other alternative is to get a membership to an organization like the YMCA or for your kids to be a member of the Boy Scouts or Girl Scouts. These organizations often provide discounts to their members and make it possible to save a lot of money while your kids still get to attend camp. Many even offer camp scholarships! However you decide to do it, your children will benefit from the camaraderie and fun of summer camp and your family most likely won’t feel that terrible financial strain.

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Great Tips and Ideas to Save on Backed Goods!

Monday, June 15th, 2009

Sometimes, you just want something sweet to eat, but, it seems like the prices for baked goods are constantly increasing. In a family, goodies can be both a want and a necessity. Have you ever noticed how well a toddler behaves when he can bet on receiving a cookie as a reward? That being said, satisfying a sweet tooth is not as pleasing when it feels like it’s a major purchase. So, what is a family to do to curtail the cost without cutting out the cookies and cakes? Try these few tips for ways that you may be able to save while still enjoying the sweet stuff:

Make baking a family thing. Processed cookies, cakes, and other goodies can cost a lot of money. So, while an economy crisis is engulfing much of the world, you could enjoy a world of tasty treats by baking at home with your family. Start by researching or creating some frugal recipes. These frugal recipes will most likely call for basic ingredients that you can buy for cheap in bulk. If you buy right, you could end up saving, cost cutting, and still make out better than purchasing the processed stuff for lots of dough in the stores. Plus, your family will have a ball making their frugal recipes come to life!

Don’t miss the deals! Most grocers have store sales every week. Whether it’s a “buy one, get one” deal, a “crushed box” special, or an in-store mark-down for items that are reaching their “sell by” date, there is always a way to save. Some of these goodies that you will catch on special can be frozen for use at a later date. It’s what the stores do in their own bakeries!

Make friends with coupons! It may take a little coordinating and a little effort, but the savings will be anything but little. For many coupons are equivalent to cash when it comes to buying snack foods for their families. With some retailers offering double coupons, which will take your 70c coupon up to $1.40 off of a product, how can people not afford to try these little paper wonders? There are almost always coupons available for baked items in the local Sunday newspaper and on packages of snacks. When you combine these coupons with in-store specials like “buy one, get one”, you could end up with loads of FREE baked good! Yummy!!

Research and find bakery thrift outlets. There is a market for people that buy near “sell by” bakery items along with product overstocks. The bakery companies make these great deals available through their own bakery thrift outlets. At the bakery thrift store, consumers can expect to save as much as 70% off of the retail price tag. If you are planning for a big affair, you could potentially save a mint by picking up your items from a bakery thrift outlet. But remember that the key is saving, so don’t spend a lot of cash on gas trying to get to the thrift shop. Be wise in all of your saving endeavors!

The good news is that you can have your cake and eat it too without costing your family too much

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Don’t Let the Economy Crisis Keep You From Having A Wonderful Summer Gathering On The Cheap

Sunday, June 14th, 2009

With the warm summer days, come those fantastic hot summer nights, which are perfect for entertaining. But, during this economy crisis, even the most hip and fun hostess is trying to find ways to become a frugal fashionista and still host a fabulous soiree. It’s a dilemma shared by many, but the solution to this little pickle is as easy as 1-2-3.

If you still want to have a fantastic time, try these 3 fabulously frugal ways to have a fun event without breaking your budget:

1. Buy for cheap all of your decorations. One of the cheapest ways to accessorize and dazzle a crowd is with loads of candles. Candles are one of the best decor additions that you can always buy for cheap. From the long slender candlesticks to the chunky pedestal candles that you can embellish with sparkly things that you can also buy for cheap.

Instead of paper products, buy for cheap a pretty set of real dishes that you piece together and coordinate just by the colors. They don’t have to a perfectly matched set, but the colors and designs should be complimentary. These items you can buy from the dollar store or you can check out your local thrift store for pieces that can make a real splash.

You should also consider recycling some stuff that you have around the house to make decorative items like placemats. If you are not that “crafty”, you could also buy for cheap plenty of pretty placemats at your local dollar store. Just by using a pretty placemat, some cool candles, and nice plates, you can make a real fabulous impression on your guests without spending beyond your means.

2. Use frugal recipes. From your appetizers to your main dish, find and use frugal recipes that are delicious, impressive, and yet very, very cheap to make! Also, when you are purchasing the items for your frugal recipes, buy for cheap as much as possible with sale items, and by using coupons. Nobody has to know that you got the cheese for less than $1 a bag. What matters is the end result, the taste, and appearance.

Embellish the food with cheap accents such as nut slivers, fruit or vegetable slices, pretty green and black olive slices, and chocolate bar shavings for dessert. All of these items, you can buy for cheap, and yet they will make very huge impact on the appearance of your food. Do some research online to learn how to make them work.

Finally, while you want to entertain your guests, you also want to keep the cost of the fun to a minimum! Keep everything as simple as possible by pulling out old favorites such as board games, a deck of cards, and some old music videos for laughs. Another possibility is to put your iPod to work with a set of speakers. This is an extremely cheap way to keep the music flowing without having to pay a DJ! Your guests will enjoy themselves just a much with these simple things than they would doing something that is really costly. You will set the tone of the evening and your guests are most likely to follow your cue. Keep it light, fun, and friendly!

Being a frugal fashionista hostess takes a little practice, but once you get the hang of it, you will be able to pull off all types of gorgeous summer fun gatherings without going broke, during an economy crisis or anytime.

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