Search found 57 matches

by AKBTX14
Fri Dec 14, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Question on dryer vent cleaning
Replies: 27
Views: 1959

Re: Question on dryer vent cleaning

Agree with Critical . I bought one of these from the local big box store, and was amazed about the amount of lint that was in the vents once I started cleaning. https://www.homedepot.com/p/Everbilt-Dryer-Vent-Cleaning-Kit-DVBRUSH12K-6HD/205047060 Spent $20, saved some money, and took about an hour ...
by AKBTX14
Tue Jul 24, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Self file LLC docs or use LegalZoom for a Texas LLC formation?
Replies: 4
Views: 348

Re: Self file LLC docs or use LegalZoom for a Texas LLC formation?

Are you really sure you need/benefit from an LLC. They tend to be overhyped and often are unneeded and provide little benefit. An LLC provides no liability protection for the acts of the owner(s). The LLC is unlikely to obtain credit without a personal guarantee. What's with the 51%/49% multi-membe...
by AKBTX14
Tue Jul 24, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Self file LLC docs or use LegalZoom for a Texas LLC formation?
Replies: 4
Views: 348

Re: Self file LLC docs or use LegalZoom for a Texas LLC formation?

TXatty wrote:
Tue Jul 24, 2018 1:44 pm
PM me if you have additional questions.

Thanks TXatty. I will PM you.
by AKBTX14
Tue Jul 24, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Self file LLC docs or use LegalZoom for a Texas LLC formation?
Replies: 4
Views: 348

Self file LLC docs or use LegalZoom for a Texas LLC formation?

Hi I need to form a LLC in Texas. We are Texas residents. My spouse and I will be partners (51% & 49% ). The steps to form an LLC in Texas seem simple #1 Filing an online certificate of Formation and $300 fee #2 Appointing a registered agent (myself) #3 Obtaining an EIN online Texas does not require...
by AKBTX14
Sat May 19, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 19
Views: 2997

Re: Dash camera

I have 2 of G1W dashcams (available at Amazon,I bought from China). They have been in use for over 4/5 years. I had to change the internal batteries (available online for $7). Now some dashcams are capacitor based.

Some states have restrictions on windshield surface mounted gadgets.
by AKBTX14
Sat May 19, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 7003

Re: What’s your phone/internet bill?

Internet $56/month for 200/10 (speeds I get)
Landline $6.50/month
4 Cell Phones $100/month Unlimited Text/Talk/Data (up to 8GB high-speed data)
by AKBTX14
Fri May 11, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Dealer sold me a Certified Vehicle invloved in a prior collision
Replies: 23
Views: 3155

Re: Dealer sold me a Certified Vehicle invloved in a prior collision

I don't know what happened to my last post. May be wrong choice of words to put "clean" in my first post. I did not mean a washed car and do understand clean vs. salvage title. :D This is a great forum and people are extremely helpful and whole lot smarter and knowledgeable than me. You guys actuall...
by AKBTX14
Fri May 11, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Dealer sold me a Certified Vehicle invloved in a prior collision
Replies: 23
Views: 3155

Re: Dealer sold me a Certified Vehicle invloved in a prior collision

Yes, I asked if the vehicle had been in any accident. I was given a Carfax report by the dealer (Carfax report states the dealer's name/address, Provided by the dealer. No accident/damage reported to Carfax). I still have the report. The car could have been repaired by the same dealer. I don't know ...
by AKBTX14
Fri May 11, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Dealer sold me a Certified Vehicle invloved in a prior collision
Replies: 23
Views: 3155

Dealer sold me a Certified Vehicle invloved in a prior collision

I was getting new insurance quotes for my vehicles and one agent told me that my Certified Toyota Camry was involved in a collision on 08/03/2014 and the claim was $6500 (amount paid). This just irritates me and I do not know what should be my course of action. I have obtained CLUE file # and claim ...
by AKBTX14
Thu May 10, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6569

Re: What's the view on dogs running free?

Not totally related, but on the same subject. We had very large open access green belt/trees area behind our home. People would bring their dogs (even in their cars) so that dogs could take care of their businesses in the green belt. We 3-4 neighbors got tired of viewing dogs doing their business. O...
by AKBTX14
Thu May 10, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Liability or Comprehensive Insurance for $8K Book Value SUV
Replies: 14
Views: 766

Liability or Comprehensive Insurance for $8K Book Value SUV

I am looking for new quotes for my home/auto/umbrella insurance. Should I take liability or comprehensive Insurance for my current SUV (2005)? It is in excellent condition and serviced regularly. The book value is $7-$8K (KBB) and is driven M-F @ 25 miles daily. If I go only liability then the savin...
by AKBTX14
Mon May 07, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with current Auto/Home/Umbrella/Term Life Insurance Policies
Replies: 6
Views: 843

Re: Help with current Auto/Home/Umbrella/Term Life Insurance Policies

We are not close to retirement. Spouse holds the current mortgage and easy 20 years from retirement. She has the term life insurance as well. I have not shopped with an independent insurance, although the current agent is local. All our insurance policies are bundled with the same insurance company.
by AKBTX14
Mon May 07, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help with current Auto/Home/Umbrella/Term Life Insurance Policies
Replies: 6
Views: 843

Help with current Auto/Home/Umbrella/Term Life Insurance Policies

We have been with the same insurance companies since 2010. Or you can say that I am one of those who does not pursue insurance companies for lower premiums neither I am an export in these matters. I was told of bait and hike premiums methods. I have checked premiums perhaps 2 or 3 times with other c...
by AKBTX14
Mon May 07, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are these health insurnace premiums high when working for a Non-Profit
Replies: 11
Views: 1048

Re: Are these health insurnace premiums high when working for a Non-Profit

Actually for family coverage, the family Out-of-Pocket Maximum is $6,800 per calendar year. There are no Maximum Plan Benefit and no Annual Maximum Benefit limits. No per Occurrence Deductible. Quality of the plan and access to providers is excellent and we have been on the plan for few years . The ...
by AKBTX14
Mon May 07, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Are these health insurnace premiums high when working for a Non-Profit
Replies: 11
Views: 1048

Are these health insurnace premiums high when working for a Non-Profit

Hi I am just wondering if the following health insurance premiums are high or about average when working for a non-profit organization? Non-Profit Company Salary $218K Medical Insurance Family Plan monthly premium for family of 4 is $774.00 (the only plan available for high income employees. There a...
by AKBTX14
Wed Mar 21, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Job Expenses for contract job. Should I take W2 or 1099
Replies: 24
Views: 1674

Re: Job Expenses for contract job. Should I take W2 or 1099

Thanks all.

I am doing this for first time, but now I know what to take back for negotiation.

Regards
by AKBTX14
Tue Mar 20, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Job Expenses for contract job. Should I take W2 or 1099
Replies: 24
Views: 1674

Re: Job Expenses for contract job. Should I take W2 or 1099

Which gives you more after tax? Usually IC pay needs to be like 15-20% higher to make it worthwhile. Little more explanation please :? Sometimes pay is different based on W2 vs 1099. Usually in a 1099 position the employee has to pay the full social security tax whereas a W2 employee only has to pa...
by AKBTX14
Tue Mar 20, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Job Expenses for contract job. Should I take W2 or 1099
Replies: 24
Views: 1674

Re: Job Expenses for contract job. Should I take W2 or 1099

PFInterest wrote:
Tue Mar 20, 2018 7:06 pm
Which gives you more after tax? Usually IC pay needs to be like 15-20% higher to make it worthwhile.
Little more explanation please :?
by AKBTX14
Tue Mar 20, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Job Expenses for contract job. Should I take W2 or 1099
Replies: 24
Views: 1674

Job Expenses for contract job. Should I take W2 or 1099

Hi I am being offered a project consultant role for approx. 11 months. The company can do either 1099 or W2. This is a straight hourly role without any other benefits. I worked many years ago as a regular W2 employee with all benefits, but not 1099 on or W2 contract term job. All my job expenses in ...
by AKBTX14
Sun Dec 03, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 5149

Re: Antivirus Software Recommendations

Avira - on 3 desktops and 3 laptops. Malwarebytes - along with Avira. Newegg has Malwarebytes Premium version 3 user/1 year licenses on the sale couple of times a year. I grabbed 3 lifetime versions/licenses few years back. CCleaner Free - for regular cleanup and registry cleaning. The combination o...
by AKBTX14
Fri Dec 01, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 6592

Re: Are plasma TV's gone forever?

It took us awhile to figure out that the infrared heat from the plasma screen was interfering with the operation of our cable remote but we developed a work-around for that. What is the work around remote interference? Only recently I have been experiencing lag in the remote (when DishNetwork updat...
by AKBTX14
Thu Nov 23, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 5495

Re: Replace TVs with Smart Tvs or not?

Thanks all Just orderd a Roku Streaming Stick+ RO3810R https://www.roku.com/products/streaming-stick-plus I was thinking to get Roku Ultra, but the price didn't drop. The Streaming Stick+ will work as well. I do not have Ethernet wired in my home. WiFi is set to dual band and newer laptops get about...
by AKBTX14
Sat Nov 18, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 5495

Re: Replace TVs with Smart Tvs or not?

Thanks for excellent suggestions. Here is my setup. TV1 Main TV and it runs for an hour, local CBS news during coffee/breakfast before leaving to work. Then an hour or so in the evening. It has a dumb home theater connected to it; although I do not remember when we used it last time (took out the re...
by AKBTX14
Fri Nov 17, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 5495

Re: Replace TVs with Smart Tvs or not?

I think we pay $100/mo for dish for very little TV time (however DVR recording is mostly for one show Empire for DW, I mostly watch CBS and local news). Therefore we have been thinking to cut dish for a while. I am thinking towards Roku, Hulu was also recommended to me. We are solely Android based f...
by AKBTX14
Fri Nov 17, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 5495

Replace TVs with Smart Tvs or not?

Looking for some advice. We have 2 large Plasma Tvs that work just fine, but they are not smart TVs. Right now we have dish/dvr to watch TV (plan to get rid of that as well perhaps). We are just casual TV watchers (Less than 2 hours daily except for 1 weekly shows that gets recorded). Netflix is the...
by AKBTX14
Tue Oct 17, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2554

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Thanks again for suggestions. I will decide between a train and a car depending upon weather/time. I am thinking to rent a airbnb in Bonn for 5-6 days (2 bed 1.5/2 bathroom). Any thoughts? I was researching online found out that boots work well for winter vacation in EU (buy raincoats locally in EU ...
by AKBTX14
Fri Oct 13, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 10138

Re: How many miles/years do you keep your car?

My last 4 vehicles were driven up to 165K, 184K, 187K, 210K miles. I drove them until #1 they looked good or #2 when the repair costs were not justified. All of them were certified vehicles (14K-24K mileage range) and I bought the extended warranty up to 100K. Never bought a new vehicle in my life!...
by AKBTX14
Fri Oct 13, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 10138

Re: How many miles/years do you keep your car?

My last 4 vehicles were driven up to 165K, 184K, 187K, 210K miles. I drove them until #1 they looked good or #2 when the repair costs were not justified. All of them were certified vehicles (14K-24K mileage range) and I bought the extended warranty up to 100K. Never bought a new vehicle in my life! ...
by AKBTX14
Fri Oct 13, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2554

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Thanks for giving great information. Many kind souls on this topic for helping me out. :happy I am thinking to rent a car in EU. Our local AAA gives International Driving Permit for $20. Looking at one car rental company www.sixt.de (I was looking for long term parking at Houston/Dallas and didn’t k...
by AKBTX14
Thu Oct 12, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2554

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Thanks Kelmscott

Lots of good suggestions. I have heard about German Christmas Markets. I plan to reach Frankfurt/Bonn area on 21/22 of December. Hopefully the markets will be still there.

Regards and many thanks.
by AKBTX14
Thu Oct 12, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2554

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Thanks We are Texans and have barely skied (tried 2-3 times) :mrgreen: We will be landing in Frankfurt 3-4 days before Christmas to attend wedding. I am just exploring if this could be a viable plan. The day after Christmas, begin a train journey for 10-11 days. Stay in 2 or 3 towns for few days eac...
by AKBTX14
Thu Oct 12, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2554

First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Hi We have to attend a marriage (a couple of days before this Christmas) in Germany. I am planning to take this opportunity to take a vacation from Dec 26/27 until Jan 4/5/6 in Germany and neighboring countries. We have never visited Europe before and we have 2 teenager boys. I am wondering if anyon...
by AKBTX14
Wed Aug 23, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Am I okay with my Vanguard Selections (after 2 years) & New 403B
Replies: 8
Views: 919

Re: Am I okay with my Vanguard Selections (after 2 years) & New 403B

So here is what I am thinking (approx. percentage) Roth and Rollover IRA VTIAX 5% Vanguard Total Intl Stock Index -Foreign Large Blend VBTLX 38% Vanguard Total Bond Market Index VTIAX 12% Vanguard Total Intl Stock Index - Foreign Large Blend VEXAX 11% Vanguard Extended Market Index Mid-Cap Blend Wif...
by AKBTX14
Tue Aug 22, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Am I okay with my Vanguard Selections (after 2 years) & New 403B
Replies: 8
Views: 919

Re: Am I okay with my Vanguard Selections (after 2 years) & New 403B

Whose accounts are these? If they belong to the same person they could be combined. They belong to both of us. If using a taxable account for retirement purposes the best options are a total US stock index fund and/or a total international stock index fund. You could also use that $40K to pay down ...
by AKBTX14
Tue Aug 22, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Am I okay with my Vanguard Selections (after 2 years) & New 403B
Replies: 8
Views: 919

Re: Am I okay with my Vanguard Selections (after 2 years) & New 403B

Consider changing your IRA from International Stock to Total Bond Market Index. That would get your Bond allocation up to about 29%. In my opinion, that would be a prudent move at Age 50. Increase the international stock in your Rollover IRA to compensate. Bigger question for you is savings rate an...
by AKBTX14
Tue Aug 22, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Am I okay with my Vanguard Selections (after 2 years) & New 403B
Replies: 8
Views: 919

Am I okay with my Vanguard Selections (after 2 years) & New 403B

Hi I joined the forum in 2015 and took advise on the forum to rollover previous 401k into Vanguard. Didn't pay much attention to accounts and wanted to see how I would do in 2 years (Plan to be more active as last 2 years have been pretty rough due to loss of parents). I got 6% return at Vanguard si...
by AKBTX14
Fri May 06, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should my child and us accept financial aid (loan) for college
Replies: 21
Views: 1765

Re: Should my child and us accept financial aid (loan) for college

DaftInvestor

Not paying off mortgage early. Sorry I failed to read between the lines.

I have not taken a student loan before. How much do you think the interest and associated fees will be on $13,000 at 4.29% for six months?
by AKBTX14
Fri May 06, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should my child and us accept financial aid (loan) for college
Replies: 21
Views: 1765

Re: Should my child and us accept financial aid (loan) for college

Thanks KlangFool Exactly my thoughts...Low cost insurance! Spouse is supporting family alone on her income. Yes the child plans to apply for merit based scholarships when he meets face to face with a program advisor next month. I called financial aid office and confirmed the loans can be paid off ea...
by AKBTX14
Fri May 06, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Should my child and us accept financial aid (loan) for college
Replies: 21
Views: 1765

Re: Should my child and us accept financial aid (loan) for college

Here is some more info I am sure we will not get subsidized loans, as family income is high. We have no 529 or any other kind college savings plan/fund. No family loans other than mortgage. I have $130K in cash savings (also included in FAFSA). Even if I take 3-6 months emergency fund out, It leaves...
by AKBTX14
Fri May 06, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Should my child and us accept financial aid (loan) for college
Replies: 21
Views: 1765

Should my child and us accept financial aid (loan) for college

My child who is starting college this Fall has received the following financial aid (Loans). Fall 2016 Federal Direct Unsubsidized Loan $2,750 Federal Direct Parent Loan for Undergrad students $10,078 Total $12,828.00 Spring 2017 Federal Direct Unsubsidized Loan $2,750 Federal Direct Parent Loan for...
by AKBTX14
Tue Mar 29, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Indeed/Monster Resume Posting - Public or Private
Replies: 1
Views: 338

Indeed/Monster Resume Posting - Public or Private

After being self employed for sometime, I have found myself back in the job market (Commercial Construction). It's been a while since I have put my resume at job search websites like Monster and Indeed. I am looking for advise if it is okay to make your resume "public." I have moved to a different c...
by AKBTX14
Fri Mar 18, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Teen New Driver Insurance & Debit Card Recommendation
Replies: 14
Views: 1711

Re: Teen New Driver Insurance & Debit Card Recommendation

Thanks all for your kind replies. As always I learn something new on this forum. Also encouraging my kid to read the forum. I got my kid on insurance. $1200/yr for him to add to our policy. $100 increase in umbrella insurance as well. I will explore opening a savings account for him and get him a cr...
by AKBTX14
Wed Mar 16, 2016 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Teen New Driver Insurance & Debit Card Recommendation
Replies: 14
Views: 1711

Teen New Driver Insurance & Debit Card Recommendation

Hi My kid passed his driving test and will get his driver's license in about 4 weeks. Do I need to add him to our policy now or wait until he gets his actual drivers license (I will check with my agent as well (Farmers Insurance)). He does not have his own car and we are probably not to going to get...
by AKBTX14
Mon Feb 29, 2016 9:23 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 37
Views: 3785

Re: Cloud Storage

Backblaze for me. $95 for two years (unlimited data, large ISO files backup as well as portable hard drives). I have been using it for the last 6-7 years. I have 500GB of data/photos/etc.
by AKBTX14
Mon Feb 29, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: CCTV / Home Security Options (Neighbor got burglarized)
Replies: 28
Views: 3221

Re: CCTV / Home Security Options (Neighbor got burglarized)

Thanks again for all wonderful suggestions. I have exterior lights on programmable digital switches (they have been working great for last 7 years). Also I have timers on table lamps in the home that get turned on when we are out for a night. Also had double keyed door cylinders for the last 10 year...
by AKBTX14
Sun Feb 28, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: CCTV / Home Security Options (Neighbor got burglarized)
Replies: 28
Views: 3221

Re: CCTV / Home Security Options (Neighbor got burglarized)

Lars_2013 I would say they were all burglaries (perhaps around 6 in last few years). Considering it is a very large quite subdivision. In my neighbor's instance, it was more emotional trauma for them. His elementary schools kids who entered the home first from garage really had a terrible experience...
by AKBTX14
Sun Feb 28, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: CCTV / Home Security Options (Neighbor got burglarized)
Replies: 28
Views: 3221

CCTV / Home Security Options (Neighbor got burglarized)

Good Morning I am looking for your recommendations on home security system from your personal experience. Our neighborhood has seen an increased home invasions lately. My neighbor got his share on Friday night as he took family out for dinner. Well lighted streets in the neighborhood and homes have ...
by AKBTX14
Sun Feb 28, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Where and how to keep $120K cash? (Savings/CDs)
Replies: 13
Views: 2134

Re: Where and how to keep $120K cash? (Savings/CDs)

Thanks for your recommendations. Going with online savings account and CDs.

Regards.
by AKBTX14
Fri Feb 26, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Where and how to keep $120K cash? (Savings/CDs)
Replies: 13
Views: 2134

Re: Where and how to keep $120K cash? (Savings/CDs)

Thanks Chadnudj

Yes Kid is definitely going to in-state university. I do not have state income tax.

Yes, I have been looking at Ally Bank.

Regards.
by AKBTX14
Fri Feb 26, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Where and how to keep $120K cash? (Savings/CDs)
Replies: 13
Views: 2134

Where and how to keep $120K cash? (Savings/CDs)

Good-afternoon, I need suggestions to keep about $120K cash in a better place. All of this money is currently saved in low paying saving accounts in few local banks (Brick & Mortar). I need $60K in emergency fund (6 month cash on hand) and I normally keep about $60K-$70K as cash on hand in savings a...