Search found 248 matches

by CascadiaSoonish
Tue Jul 07, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: losing ability to ensure good computer hygiene- what to do
Replies: 14
Views: 781

Re: losing ability to ensure good computer hygiene- what to do

I have a tech-heavy household with two kids who do serious screen time. We just have secondhand machines for everyone. As others have pointed out, it's high-overhead to create and maintain separate accounts or VMs or networks. We treat OS installs like Docker containers, if one gets borked (and it w...
by CascadiaSoonish
Tue Jul 07, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 33
Views: 2120

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

We own a 2016 XC90, the first year of the new model. We have been very happy with the car. Though I bet the Lexus is probably lower maintenance -- the Volvo has had plenty of software-related weirdness.
by CascadiaSoonish
Fri Jul 03, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of gutting and renovating a building
Replies: 16
Views: 1283

Re: Cost of gutting and renovating a building

Agree with others who have pointed out how dependent this is on the local market. That said, $100/sf would be on the low end for our HCOL city. I just spent that on a refresh of a small commercial office building. If we had needed to do seismic or HVAC or a more major reconfiguration, that number pe...
by CascadiaSoonish
Fri Jul 03, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 297
Views: 21265

Re: Optimizing PPP Forgiveness

Are any S corp owners taking distributions while having the active PPP loan? Assuming you had leftover net profits to distribute before the crisis hits. Is there any reason not to take the distributions? S-Corp distributions don't factor into PPP forgiveness or qualify for the loan in the first pla...
by CascadiaSoonish
Fri Jul 03, 2020 11:15 am
Forum: Investing - Theory, News & General
Topic: Almost (but not quite) another COVID spending thread
Replies: 31
Views: 2880

Re: Almost (but not quite) another COVID spending thread

I ran our first-half 2020 expense numbers yesterday. Spending excluding taxes was down 35% from last year. The big contributors were reduced travel and food costs. Same with our family -- restaurant spending way down, travel cancelled, and discretionary purchases (Amazon excepted) mostly stopped. W...
by CascadiaSoonish
Fri Jul 03, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 98
Views: 7332

Re: Best watch for $5,000+

Never thought I'd drop serious money on a watch, but yesterday I just picked up my first fancy-pants piece. I like the backstory on the Omega Speedmaster so I got the Hesalite Pro. I found that the local AD I worked with was eventually able to match grey-market pricing after some back and forth on p...
by CascadiaSoonish
Thu Jul 02, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2759

Re: COVID 19 changing the public vs. private school value equation?

The 4th grader got a packet of worksheets once a week that was just busy work. Not learning anything new whatsoever and basically no contact with the teachers. Reminds me of my 4th grade experience, but my teachers didn't have a pandemic as an excuse to try to justify what they did. Something I've ...
by CascadiaSoonish
Thu Jul 02, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2759

Re: COVID 19 changing the public vs. private school value equation?

BTW - most private schools around here have application deadlines that have already passed, with standardized tests, etc. You may not actually have an option at this point. Oops. Good point. Guess I should have thought of that. I just checked and the deadlines were waaaay back in February. To be a ...
by CascadiaSoonish
Wed Jul 01, 2020 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2759

Re: COVID 19 changing the public vs. private school value equation?

The elephant in the room is a medical question. Would you feel safe having your kids attend classes in person? I'm not pushing for in-person classes but I would like to see better execution with online learning. Our kids online curriculum for the last part of last year was very abbreviated and obvi...
by CascadiaSoonish
Wed Jul 01, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2759

COVID 19 changing the public vs. private school value equation?

We've got our kids in a good (but not great) public school district. Our city has good and great (and hideously expensive) private school options. To date we haven't seriously considered private school; our general sense is that the research as well as conventional wisdom says that private doesn't n...
by CascadiaSoonish
Fri Jun 19, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to do your own taxes?
Replies: 48
Views: 2652

Re: Learning how to do your own taxes?

Thank you to everyone who commented. Seems like it is a consensus that there is a huge benefit to doing your own taxes, mainly from understanding how it works which will help me prepare all year. Some great websites and tips, Tax Turbo seems to be the most popular, but I will do my best to udnersta...
by CascadiaSoonish
Wed Jun 17, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Valuable antiques that don't fit your aesthetic?
Replies: 23
Views: 1012

Re: Valuable antiques that don't fit your aesthetic?

We've just had to discard or pay someone to haul away a lot of the stuff. What was valuable 50 years ago may not have much (if any) value nowadays unless it's a particularly high-end piece. Unfortunately, the expensive Ethan Allan-style stuff from 50 years ago has no value that I'm aware of. Stuff l...
by CascadiaSoonish
Tue Jun 16, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11056

Re: Should I sell my stash of dental floss now worth $3,000?

adamthesmythe wrote:
Tue Jun 16, 2020 11:28 am
Then you'll be a dental floss tycoon

(cue Frank Zappa)
I just want to +1 a Zappa reference. Pretty much the last thing I would expect here. Awesome.
by CascadiaSoonish
Mon Jun 15, 2020 10:40 pm
Forum: Investing - Theory, News & General
Topic: Small business retirement (Guideline vs Employee Fiduciary)
Replies: 14
Views: 700

Re: Small business retirement (Guideline vs Employee Fiduciary)

FWIW we switched to Guideline this year and I've been happy with the service. One workaround idea that may or may not be viable: Solo 401k -> rollover IRA -> reverse rollover to Guideline 401k. We folded our IRAs into our Guideline 401k without a problem, so maybe that's an option here. I'd defer to...
by CascadiaSoonish
Mon Jun 15, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Observations on my switch to CenturyLink's gigabit Ethernet
Replies: 9
Views: 986

Re: Observations on my switch to CenturyLink's gigabit Ethernet

Thanks for your writeup, bertilak. All I'll mention is that we've had CenturyLink fiber at two different office locations; the service itself has been very solid but the install process / billing / customer support have been spectacularly abysmal. Once it's set up, though, works great. Since the cus...
by CascadiaSoonish
Mon Jun 15, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Pl post good 15 year Mortgage rates
Replies: 11
Views: 1307

Re: Pl post good 15 year Mortgage rates

We're refinancing from a 20 year at 3.5%, ~30% LTV. We're getting ready to do the final paperwork on a 2.85% 15 year refi. Not the best rate available, but we're doing it through First Republic and so far they've been very responsive and professional. Some of my colleagues are getting better rates g...
by CascadiaSoonish
Sat Jun 13, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Online summer coding course for HS student?
Replies: 12
Views: 803

Re: Online summer coding course for HS student?

Music students actually make great developers. Plenty of developer paths pull on design and creativity, it's not all heavy-lift engineering. Taking a look at what would be called "front end" in the web world would be a good place to start, which would probably focus on JavaScript but would also incl...
by CascadiaSoonish
Sun Jun 07, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: Small business and spare cash — figuring out an optimal use
Replies: 3
Views: 305

Re: Small business and spare cash — figuring out an optimal use

Your simple calculation ignores the fact that the interest is deductible, therefore it's a lot closer in benefit to the mortgage. Interest would be deductible either way, though, right? (Assuming I'm itemizing) So I'd assume the higher interest loan (within the LLC) is more attractive to pay down t...
by CascadiaSoonish
Sun Jun 07, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: teen wants an debit card/account for youtube
Replies: 12
Views: 1260

Re: teen wants an debit card/account for youtube

IIRC, Capital one was one of the few banks that provide debit card with much lower age requirement - https://www.capitalone.com/bank/checking-accounts/teen-checking-account/ +1 on this. Our two kids both have this exact Capital One account / card and it works well for them, and as parents we like t...
by CascadiaSoonish
Sun Jun 07, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: How to get out of a "People Pleaser" mindset and manage stress better?
Replies: 7
Views: 903

Re: How to get out of a "People Pleaser" mindset and manage stress better?

I'm a tech business owner. Whenever I start taking this stuff personally to the extent that it starts bothering me, I read a few pages of the Marcus Aurelius Meditations. I also find it helpful to reflect back on the tech crises I experienced earlier in my career involving technologies and companies...
by CascadiaSoonish
Sun Jun 07, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: Small business and spare cash — figuring out an optimal use
Replies: 3
Views: 305

Small business and spare cash — figuring out an optimal use

I own a small business. Fortunately we’ve been riding out the pandemic without too much damage. The business continues to be reasonably profitable so I’m trying to think through how best to manage the cashflow. Context: single owner S-corp. Business occupies an office building owned by an LLC contro...
by CascadiaSoonish
Sat Jun 06, 2020 9:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site versions seem to alternate
Replies: 8
Views: 899

Re: Vanguard site versions seem to alternate

I have noticed this too. I don't go in often but my perception (no data) is that it reverts to the older version on days where there is a lot of movement in the market which may be related to high traffic. It's worth bearing in mind that a 'site' nowadays is often a collection of a bunch of differe...
by CascadiaSoonish
Mon May 25, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8728

Re: Anyone screwed up timing the market?

Not specific to the current situation, but a few years ago I sold a lagging stock, taking a loss. I had bought it because it was a local business with sound fundamentals. Within a week of my sale they announced they were getting bought out at a premium by Berkshire Hathaway. I made someone a tidy pr...
by CascadiaSoonish
Mon May 25, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: 6 Month Emergency Fund for a Business
Replies: 11
Views: 640

Re: 6 Month Emergency Fund for a Business

Yes, some businesses do run with nice cash reserves but sadly many small business are run like their owners own personal budgets, broke, in debt up to their eyeballs whose only "emergency fund" is a line of credit. Small business owner here. I'd make the observation that there's not much opportunit...
by CascadiaSoonish
Fri May 22, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 49
Views: 4515

Re: Bicycle Recommendation?

They probably won't be in that price range, but definitely try some e-bikes before making a decision. Especially with hills it makes riding a super-fun experience. I bought a high-powered electric last year and love it.
by CascadiaSoonish
Thu May 21, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage: home town bank with slightly higher rate vs large bank with lower rate?
Replies: 7
Views: 821

Re: Mortgage: home town bank with slightly higher rate vs large bank with lower rate?

FWIW we've tried hard over the years to give as much preference as we could afford to the regional bank we've used for years, but they haven't made it easy. Interest rates were never quite as competitive, loans were harder to get, reps weren't as proactive, that sort of thing. We ended up doing busi...
by CascadiaSoonish
Tue May 19, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Teaching and Running a Business
Replies: 11
Views: 898

Re: Teaching and Running a Business

FWIW I worked on an informational project for a massive healthcare provider network that was very similar to this. The hard part wasn't creating the content. The hard part was getting the content in front of people, getting them to pay attention, getting them to internalize the information, and gett...
by CascadiaSoonish
Tue May 19, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6820

Re: Discarding Music CDs

sell your CDs to declutter.com you won't get much but something I'd love to sell our old CDs somewhere. I don't think declutter.com is an active website anymore. Any other suggestions? Decluttr, not Declutter. https://www.decluttr.com/ I sold a couple hundred CDs to them over the years. Recommend t...
by CascadiaSoonish
Thu May 14, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2249

Re: Cheap Chromebook vs Laptop PC quality/options for child

Chromebooks have the advantage of relatively bulletproof integration with school e-learning infrastructure if they're using Google Classroom. Shared PCs end up with multiple logins and accounts and screwed-up permissions in our household. The Chrome machines just work. Taking an old laptop and throw...
by CascadiaSoonish
Wed May 13, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13616

Re: Will "work from home" destroy the commercial real estate market?

Her company plans to go back to going into the office in the fall, and does not plan to cut office space. They do plan to allow people to start working from home 1-2 days a week moving forward though. This won't impact real estate, but does impact other things (i.e. gas usage, local restaurants, et...
by CascadiaSoonish
Wed May 13, 2020 11:19 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13616

Re: Will "work from home" destroy the commercial real estate market?

We were a company that was totally opposed to WFH before COVID, but we are already talking about how our success working from home will translate into reduced space needs in the future. We are absolutely going to be changing. It may not mean WFH for everyone, all the time, but it absolutely means w...
by CascadiaSoonish
Tue May 12, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Hang on to old car or buy new one?
Replies: 38
Views: 2208

Re: Hang on to old car or buy new one?

I've got a 2006 RDX that's in the shop as I write this. I don't think the $2K / year estimate is unrealistic for ongoing dealer maintenance and repairs, that's probably about what I'm spending each year. I'm sure I could do it cheaper if I took the more DIY route or used an independent shop, but I'd...
by CascadiaSoonish
Mon May 11, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3833

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

Small software company owner here. We've had staff 100% working from home since early March. Some staff have done well and some projects have gone smoothly. Other staffers and other projects have had a harder time. Even experienced senior people can't always maintain project velocity just via Slack ...
by CascadiaSoonish
Wed May 06, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36058

Re: Car Dealers not really wanting to make a deal

Pick vehicle that isn't in high demand. Compromise on color and most options. Get cash in hand or secure financing Get dealers in an extended geographical area that you are actually willing to buy from to bid OTD price against each other near end of month. What bugs me about this is that it _sounds...
by CascadiaSoonish
Mon Apr 27, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Career Planning/Longevity: Data literacy and being tech forward [preserving human capital]
Replies: 4
Views: 617

Re: Career Planning/Longevity: Data literacy and being tech forward [preserving human capital]

1). Whether in tech or not in tech, am I alone in this concern? What are you seeing in your profession or industry along similar lines? You're not alone at all. There's a reason why cosmetic surgery is a thing for men in their 40s in SV. Even Bezos got swole, and I'd find it hard to believe that th...
by CascadiaSoonish
Fri Apr 17, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7693

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

There was no way this was going to be "fair" in any sense of the word. I'm aware of one business that has been slowly failing for several years, they secured a PPP loan, so those dollars are just forestalling the inevitable. Another business is a great labor-of-love retail business and they got some...
by CascadiaSoonish
Wed Apr 15, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7693

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

FWIW, If it was me, I would sign for the smaller amount and then do the amendment later. This money is going fast, there may or may not be more. Applied through our regional bank on 4/4. Received final paperwork on Monday 4/13 that included the requested amount and the SBA loan number. However, our...
by CascadiaSoonish
Wed Apr 15, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7693

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

FWIW, If it was me, I would sign for the smaller amount and then do the amendment later. This money is going fast, there may or may not be more. Applied through our regional bank on 4/4. Received final paperwork on Monday 4/13 that included the requested amount and the SBA loan number. However, our...
by CascadiaSoonish
Wed Apr 15, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7693

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Applied through our regional bank on 4/4. Received final paperwork on Monday 4/13 that included the requested amount and the SBA loan number. However, our payroll provider (ADP) changed the payroll report calculations significantly after our 4/4 application, so I'm trying to amend our application to...
by CascadiaSoonish
Fri Apr 10, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Wealth Preservation With Decades of Institutional Care
Replies: 69
Views: 3591

Re: Wealth Preservation With Decades of Institutional Care

I'm POA for a parent in a skilled nursing facility; prior to that, a decade-plus in assisted living. Everyone's personal situation and state (I'm assuming US residency) and spousal situation will be a little different. But our experience has been that there's not much we can do except pay the bills....
by CascadiaSoonish
Thu Apr 09, 2020 4:21 pm
Forum: Investing - Theory, News & General
Topic: If you have a sizable portfolio, you don't need an emergency fund
Replies: 140
Views: 10505

Re: If you have a sizable portfolio, you don't need an emergency fund

I can't argue with the math. But behavioral and emotional factors are something else entirely. Personally, I'm fully aware of the opportunity and deflationary costs of reserving a cash EF. But with fluctuating income, a single-income household, and "enough" already invested, I'm fine with keeping a ...
by CascadiaSoonish
Sat Apr 04, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33862

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

It’s here https://www.sba.gov/funding-programs/loans/coronavirus-relief-options The last one and is on various gov websites just seems the chat for ppp loans has gone by this That is if I already have an SBA loan “ For current SBA Serviced Disaster (Home and Business) Loans: If your disaster loan w...
by CascadiaSoonish
Sat Apr 04, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33862

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Where did you find this? What bill are they talking about? Is it CARES Act? Can you give more details? It’s here https://www.sba.gov/funding-programs/loans/coronavirus-relief-options The last one and is on various gov websites just seems the chat for ppp loans has gone by this That is if I already ...
by CascadiaSoonish
Fri Apr 03, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33862

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I've heard from numerous banks that have stated they are not accepting PPP apps until Monday. The required underwriting documentation varies greatly. I don't think they have a good handle on what they need yet and are using today to digest the new information. I was on a call with SOS of my state y...
by CascadiaSoonish
Thu Apr 02, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33862

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Lots of new information...now it’s a 1% loan https://home.treasury.gov/system/files/136/PPP--IFRN%20FINAL.pdf Most documents here updated now with additional/new information https://home.treasury.gov/policy-issues/top-priorities/cares-act/assistance-for-small-businesses Just read the newly posted I...
by CascadiaSoonish
Thu Apr 02, 2020 7:39 pm
Forum: Investing - Theory, News & General
Topic: "They All Retired Before They Hit 40. Then This Happened."
Replies: 49
Views: 5519

Re: "They All Retired Before They Hit 40. Then This Happened."

It's a continuum, no? From "have a little money and don't have to work as hard" to "have buckets set aside and can live on a 2% SWR." The twenty something dude with a couple hundred thousand in the bank who is doing the digital nomad thing isn't retired in any traditional sense of the word. The olde...
by CascadiaSoonish
Thu Apr 02, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: PPP in CARES Act: What happens when income over $100k?
Replies: 18
Views: 7429

Re: PPP in CARES Act: What happens when income over $100k?

For what it's worth, here is how the payroll company ADP appears to interpret it. I can't tell for sure how exactly they're generating their new PPP-specific reports, but what it looks like to me is that the report includes the first $100K of compensation for each employee inclusive of benefits and ...
by CascadiaSoonish
Thu Apr 02, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33862

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Therefore, the credits received has to taxable to avoid getting double benefit (refundable tax credit and being shown as expense )....I know this was clearly spelled out for Sick/Family leave tax credits...I’m sure it’s the same here. Thanks, this is helpful. Related to this, I'm trying to understa...
by CascadiaSoonish
Tue Mar 31, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Taking SBA Loan When Not Absolutely Needed - Moral Considerations
Replies: 18
Views: 1522

Re: Taking SBA Loan When Not Absolutely Needed - Moral Considerations

crystalbank wrote:
Tue Mar 31, 2020 7:58 pm
BTW how does one apply for it? My local CU doesn't have any info yet.
Needs to be an SBA lender. "sba lender" + [your state] should provide a good list.
by CascadiaSoonish
Tue Mar 31, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Taking SBA Loan When Not Absolutely Needed - Moral Considerations
Replies: 18
Views: 1522

Re: Taking SBA Loan When Not Absolutely Needed - Moral Considerations

S Corp owner, I will participate in the PPP program. We're a technical services business that can work from home, so I can preserve a good portion of my revenue, but like every other business (1) it's a huge disruption and (2) no one knows what's next.