My recent credit card statement says, “To ease the strain of the holiday season; we will waive your minimum payment this month”. Isn’t that kind of the bank? They also state though, that interest would be added to my outstanding balance. As my minimum payment amount is 2% of my debts, this means the bank will charge interest on 100% of debt instead of 98%. Something is wrong here. 19% interest on $800 compounded annually is how much?

For years credit card companies have been telling their customers that all they have to pay is the minimum payment on their outstanding debt. According to my statement (in small print) it is going to take me 30 years to pay back my debt if I only make the minimum payment. That means I’ll be in my seventies by the time I’ll pay back my credit card. What a way to spend my retirement, paying for Christmas gifts bought 30 years ago. This is one of the reasons people carry debt for such long period of time.

Credit is often a blessing and a curse. It is fine if you can use your card and pay off the total balance owing at the end of the month. If you cannot pay off the full balance and are just paying your minimum payments, you could have a serious debt problem. Although you may think you have good credit from making your payments each month, you must ask yourself this serious question: “How am I going to pay this off, and how soon?”

If you are not sure perhaps you should speak to a credit counsellor. The counsellor will assess your financial situation and determine what the best strategy would be to pay back the debt. Perhaps you could do it on your own. A little self-discipline and a large payment could be the answer; however this payment needs to be substantially more than the minimum. If you cannot make such a large payment, your counsellor can discuss some other options, including hardship programs.

Contact them now for a free confidential assessment, and get out of the continual debt trap of minimum payments.

Did you know that pet owners tend to be happier and more confident than their petless counterparts (according to the Journal of Personality and Social Psychology)? It’s true, little Fido or Fluffy offers as much emotional support as family members do (maybe even more so depending on the case!). We love our pets. And why shouldn’t we? They greet us at the door when we arrive home, offer soothing prrrrs when we stroke their tummy and are ever-forgiving even when we are in the worst of moods. Our modern day fondness for domesticated animals has bread a whole industry of veterinary services, insurance operators and breeders looking to profit from the relationships we have with our pets.

Once upon a time, the only usefulness a cat or dog around the farm could offer was to keep the mice away and round up sheep! Today, however, we are willing to spend bundles on our furry friends. According to Business Edge News Magazine, it is estimated that market sales for pet extras are worth as much as $4.5 billion a year in Canada! That’s a lot of flee collars! I am all for giving dog biscuits to reward good behaviour but sometimes I feel that pet owners go overboard. I know a lady who cooks steak for her cocker spaniel; I can imagine her husband looking enviously at the doggy food bowl while he slowly chews his chicken legs. Don’t get me wrong, some pet food is healthier than others but all you need to do is read the ingredients. As long as meat is one of the top ingredients then you are a OK. Other owners spend a fortune on grooming and pampering. Just grab a brush! If you keep at it, it will be much more manageable. I love giving my dog a bath. He looks so funny and it’s a nice bonding time for us.

Heaven forbid, your little guy needs to go to the vet. Murphy’s Law states that Fluffy will fall ill just when all the bills start to pill up. Now, not only do you have to pay for the doctor’s time, but also a shot here, medication there…ouch! Too bad OHIP doesn’t cover removal of a hair elastic from kitty’s tummy. Sure, Fluffy is part of the family and it is unfortunate that they have developed Intervertebral Disc Disease but before signing off on that expensive surgery just keep in mind that while it is very sad to see them so ill, pets are not meant to be with us forever. It may be more humane to let them go in peace and save yourself from greater financial stress. Talk with your vet about what the expected outcomes would be and hopefully they can help you make the best decision for both you and your pet.

Finally, if you are looking for a new furry friend, consider contacting your local SPCA to adopt. Giving a homeless pup or cat a welcome into your home is good deed by far. In most cases, you only need to pay for the shots and neutering (if not already taken care of) which beats paying up to $1,000 for a purebred any day. And remember, playing a game of catch and going for a long walk is absolutely free, so go ahead and show Fido you care!

Credit Canada has announced the launch of a new TV commercial that is bringing rays of warmth and sunshine to an economic climate otherwise riddled with news of doom and gloom. Called “Dignity”, the 30-second commercial offers hope to consumers burdened with debt that just one step in the right financial direction can make a world of difference.

Highlighting a single mother and her daughter as they rise together in the morning and go about their day, the commercial uses striking black and white cinematography, a warm voice over, and an uplifting musical score to tug at the viewer’s heartstrings, conveying the message that “When you decide to get out of debt, you may be surprised at what you get back.”

“Our objective as Canada’s leading credit counselling agency is to provide hope to people stressed out by debt. So it makes sense that we spread a positive message that there is someone out there who can help people straighten out their finances and get their lives back to focus on more important matters, like family and loved ones,” said Credit Canada’s Executive Director Laurie Campbell.

Production credits:

Director: Jamie Way
Director of Photography: Jeremy Benning
Producer: Kristi McNeal
Production Company: Big Sky Productions
Editor: Barry McMann
Post: Creative Post
Music Composed by: Peter Holmes
Music Produced by: Igor Vrabac and Ken Worth
Music Arranged by: Igor Vrabac
Copywriter: Peter Holmes
Agency: Reason Partners

Follow the link to the commercial, http://www.youtube.com/user/CREDITCANADA?feature=watch
(if you are having trouble opening the link, try placing  your cursor on the link, hit control then click the mouse at the same time).

Let’s talk about people who share what I like to call the “I Had No Idea” experience.

I Had No Idea people come to us every day here at Credit Canada. They are experiencing problems with debt, and they have come to us for counselling. We look into matters and devise a game plan – involving money, lifestyle and attitudes – that will put things straight.

Part of that straightening out process involves tracking and analysis of the I Had No Idea person’s spending habits. This enables the I Had No Idea person to adhere to a budget, which must be strictly followed if debts are to be overcome.

It is usually during the process of analyzing spending habits that the I Had No Idea person at last comes to realize that he or she had no idea.

“I had no idea I was spending that much money at Starbucks,” comes the response.

Or another: “Oh my, look at all the National Enquirers I bought. One for every trip through the grocery check-out aisle. I had no idea. Do you suppose a used bookstore would pay me anything for them?”

Or yet another: “I had no idea all that dough was going to strip joints and cocaine. Why, I could be mortgage free and driving a Land Rover right now.”

Yes, dear reader, a lot of people are quite oblivious to all the coin that flows through their hands, recklessly frittering money away on things that are given short shrift financially – till they are added up.

Speaking of Starbucks, I often use coffee as an example when discussing the matter of thoughtless spending. Say you treat yourself to a $4.00 cup of coffee every day of the workweek. Just tally up what that costs you over the course of a year. How about $1,040.00? Did you have any idea?

I speak about the I Had No Idea people only to bring the point home that awareness of what is spent on all life’s little things can make a big difference financially over time. It’s advice that applies not only to pleasurable habits and nasty addictions, but to everyday living.

Right now, if you take financial stock of every aspect of your life, your family, your home, car etc. – all the material things that support your lifestyle – you probably will be surprised to find that all kinds of opportunities present themselves for saving coin.

Just by way of illustration, here’s an I Had No Idea Top 10 List worth considering.

10. I had no idea I could save so much by cutting back my selects on the lottery.

9. I had no idea I could save so much by shopping at the local farmers’ market.

8. I had no idea I could save so much on movies by joining Netflix.

7. I had no idea I could save so much by getting my wife to cut my hair.

6. I had no idea I could save so much by using a bicycle to get to work.

5. I had no idea I could save so much by using a Brita water filter instead of bottled water.

4. I had no idea I could save so much by unsubscribing to those porn sites.

3. I had no idea I could save so much by dumping my unused cable services.

2. I had no idea I could save so much by weatherproofing my home.

1. I had no idea I could save so much by using VoIP services in place of my cell.

It’s a random list. But you get the idea.

As a parent – or as someone who aspires to parenthood – you may be interested to know that in Canada the average cost of raising a child from infancy through high school is about $182,000. If you foot the bill for another two to four years of college or university for your child, you can add at least another $40,000 to $50,000 to the sum.

The numbers represent spending within a typical middle class household. No extravagance here by Canadian standards, just spending that typically reflects the general needs and expectations of most of today’s families across the land.

Obviously, food and clothing account for much of the spending that goes to raising children. But plenty more goes to other things such as school books and activities, transportation, allowances, maybe special medical and dental needs, gifts, vacations, and – in today’s electronically driven world – computers and cell phones.

Sports and recreation factor into the picture, too, sometimes in a big way. And that’s what I’d like to focus on today.

The fact is, in most areas of spending concerning kids, there is not a lot of financial wiggle room for parents. Needs are needs after all, and beyond that it’s basically a given that a child’s lifestyle ought to proportionately reflect that of his or her parents (assuming the parents are fiscally realistic about the lifestyles they lead).

In matters of sports and recreation, there is significant wiggle room for spending. Smart parents can find ways to spend wisely – even frugally  – and at the same time keep their youngsters active, healthy, and happy.

In saying this, I’m in no way minimizing the importance of sports and recreation in the lives of children. Kids need to be active for the sake of their physical and mental health. Moreover, sports and recreation activities help kids hone the social skills they need to function well in the competitive adult world they will eventually join.

What I am saying is that there are plenty of sports and recreation options out there that vary widely in terms of costs, and that educating oneself about those costs can have a significant impact on a family’s finances over the life of the child.

Newlyweds planning families, and parents whose little ones still have a lot of growing to do, especially benefit from broadening their outlook in this regard. It starts with an understanding of spending options and standards.

Let’s consider some of those options and standards point by point, and assign a spending value to them in terms of being great, pretty good, and not so good.

Hockey – Value: Not so good.

With this assigned value I am not denigrating Canada’s national obsession in any way, I’m just saying it can be hard on the pocketbook as a serious kids’ sport. We’re talking registration costs approaching perhaps $500 a season, plus new gear costing upwards of $1,000. Then there’s the matter of travel/accommodation expenses. And because it’s a shift sport, you have to ask how much actual playing time your child will receive. Of course, if a child has a real desire to play the sport, parents may have to ante up. Tax credit and financial aid programs can help out here (see my note about them at the end of this blog).

Hockey moms and dads who are strapped ought to check out used equipment options. Note, for example, that in Toronto the civic government has partnered with Goodwill, the Greater Toronto Hockey League (GTHL) and several businesses to launch a Hockey Reuse Equipment Bank.
See http://www.goodwill.on.ca/2006_newsrelease_39.htmlfor more info.

Cycling – Value: Not so good.

In addition to the initial expense of at least $500 for a half decent, new racing bike for a wee racer, parents are looking at hundreds more in outlays for cycling shoes, helmets, and sports duds. Moreover, if your child seriously pursue the sport over time, count on spending thousands on better bikes and renewed equipment over the years. Also fees, transportation costs and time needed for the sport can be daunting. Bike races usually require entry fees of $15 to $30, then there’s the matter of transportation to racing events that can be spaced hundreds, even thousands, of kilometres apart. Many parents buy bikes for their kids anyway. To save coin, you can let the kids roll and have fun exercising freely outside of the official competition.

Riding – Value: Not so good.

As you can imagine, a sport involving horses cannot be cheap.  First, lessons are needed at usually $30 to $50 per hour. Now add a saddle, proper riding attire, and the use of a horse, which can run well over $1,000 annually. Of course, you can always buy your child a horse, but that opens another whole bin of costly oats. A horse can cost you from hundreds to thousands of dollars. Then you have to take care of the animal with boarding, grooming, feed, and medical and transportation costs (think horse trailer and a vehicle sturdy enough to pull it). You’ll probably want to consider this as a sport for your kid after you win the lottery.

Gymnastics – Value: Not so good.

Dreams of Olympic gold can quickly turn to lead when you start adding up the costs here. You wouldn’t think gymnastics would be all that expensive. But outlays for simple weekly lessons soon grow as quickly as your kid’s limbs. Suddenly, there is the need for professional private coaching that costs hundreds of dollars a month. Now add warm-up and performance attire, not to mention travel costs and registration fees. It’s easy to spend $1,000 to $5,000 a year for basic expenses, not including skills camps and Olympic circuit training.

Martial Arts – Value: Pretty Good.

Team sports are great for developing social skills. But there is a lot to be said for individual disciplines that teach kids self-reliance and discipline. Karate, Tae Kwon Do and other martial arts require simple attire and that’s it beyond the training fees, which may run parents $400 or $500 a year. Naturally, courses with celebrated masters in teaching roles can run much higher, but does your child really need to learn his or her chops from Steven Seagal?

Soccer – Value: Great.

For all the talk about hockey being Canada’s national sport, the truth is that in terms of the sheer number of kids in Canada who play the game, soccer is the sport of choice. Parents can expect to spend as little as $300 for the privilege of seeing their kids runs themselves ragged for 90 minutes a game. The gear, shorts and sweat shirts, don’t come with big price tags, and soccer balls can be had for $20 each on sale. In terms of practice, soccer can be played just about anywhere.

Swimming – Value: Great.

A great strengthening sport from the point of view of both individual skills development and team skill development.  Gear is minimal, obviously, and school swim teams frequently have either their own pools or pools under sponsorship. Practice can be had for the small price of a local community pool membership, plus there are bodies of water everywhere worth dipping into come warm sunshine. Special swimming lessons may run parents a few hundred dollars.

Basketball and Volleyball – Value: Great.

Basketball and volleyball are very popular school and community centre sports with courts and balls provided. Your expense amounts to a simple uniform and, if your child plays in a community league, maybe a small community membership fee. You may have to put a little money towards gas to drive to and from games. Practice is easy. Pick up games for either sport are easily arranged on courts at playgrounds and on school property.

Track Sports – Value: Great.

Running is perhaps the most affordable sport. We’re talking about expenses that amount to the cost of a pair of good running shoes. Schools everywhere have track and field programs that are fully sponsored. Most schools readily supply equipment for field sports such as javelin or pole vaulting. Practice can take place anywhere there is a field.

So, all this should help you decide what kind of value you’re getting for the dollars you spend on your kids’ sports activities. You will notice I left football out of the mix. That’s because it’s mostly oriented to male high school students, and my thinking here was to look at sports that apply to a broad cross section of youngsters.

The bottom line is, when spending on sports and recreation for your kids, be money smart. Spend only what you can afford to spend. If you promote affordable sports to your kids when they are young, they are likely to cotton to them.

Meanwhile, be aware that the federal government offers a tax benefit that helps parents cover costs for kids’ sports and recreation activities. Through the Canada Revenue Agency, you can, and I quote, “claim to a maximum of $500 per child the fees paid in 2011 relating to the cost of registering your or your spouse’s or common-law partner’s child in a prescribed program of physical activity.”

As well, the Province of Ontario offers something called the Ontario Children’s Activity Tax Credit covering an extensive array of sports and recreation activities. Under the program, parents and guardians are able to claim up to $500 of eligible expenses per child. There is a refundable tax credit worth up to $50 per child under 16 years of age, or up to $100 for a child with a disability under age 18.

Last but not least, financially strapped parents should take note of a charitable organization called KidSport, with chapters in all regions of Canada. KidSport provides grants ranging from $100 to $500 to cover the cost of registration fees for one season of sport. Some chapters may also assist with equipment, youth leadership opportunities, sport camps and travel costs.

Out with old man 2011 and in with 2012’s cute and cuddly baby wrapped in a fuzzy blanket and soothing with a pacifier. A good friend of mine recently welcomed a baby boy to her family. He is an adorable bundle of joy, cooing and sleepy-eyed while his parents shower him with admiration and loving cuddles. Not being a parent myself I got the full low-down on how stressful 22 hours of labour can be for a first-time mom and a few pointers on how they plan to save a penny here or there when it comes to raising little Jeremy. If you are a new parent yourself consider some of these parental savings tips:

• Breast-feeding is not only better for the immune system and development of the baby, it’s also FREE FOOD!

• Plan ahead, look into RESPs for your child’s future education (and get the government to pitch in a little bonus too)!

• Invest in some jars and make your own baby food with a food processor. It’s much healthier to avoid all of those preservatives and cheaper in the long run.

• Cloth diapers are a good way to save money if you don’t mind some extra laundry/mess. If you decide to opt for a pick-up service then the price may not be much better than buying disposables but it is still better for the environment and wearing cloth lets your baby’s tushy breath.

• If certain genetic diseases are common in your family you may want to consider cord blood stem cell banking. This can be a pricey treatment since you most likely will have to pay for yearly storage but it could also help save your child or another family member down the road. Even if it is not right for you, the science behind it is quite interesting.

• Check out your local library and community centre. There are often free children’s activities like story time that you can take advantage of.

• Wait until AFTER the baby shower to start buying baby items. You may be surprized with how generous your friends and family can be. It’s becoming more and more popular to register for gifts so that others will know that you really like those yellow ducky bed sheets.

• When you do purchase baby furniture, clothing, toys and anything else consider buying second hand instead of new. There are stores that sell gently used items at half the retail price and will also buy back items later on if they are still in good condition.

So while your new bundle of joy may be keeping you up at night, spitting up on your favourite shirt or smelling up the car, at least your pocketbook can take a sigh of relief by following a few of these suggestions.

Happy New Year!

-And on the thirteenth day of Xmas, the mailman gave to me, a credit card bill for free .

So Happy New Year! You thought that you recovered from your New Year’s hangover. Then you open your mail. Everything was good in December and then you decided that you would buy a few things. Besides they were not full price as they were from Xmas sales. You decided what better to treat your friends and family then to break in your new credit card?

After a few days of not having a plan and no budget, you decided no credit card should be left behind. Why not break them all in? Besides you needed the points! You felt that you were assisting the economy. These actions you felt would assist in improving your holiday spirit (and that of others)! Then you decided to buy a few things for yourself: a new HDTV and a Blu-Ray DVD player, that new copy of the Pink Floyd boxset. Hey and why not spruce up your car with ultimate decoration: a new car stereo?  What could it hurt? Your holly jolly feeling lasted at least 12 days. You would not put any thought to the bills until next year. No big deal!

The problem is now, the new year is here. Your Christmas spirit or your holly jolly feeling has been replaced by an excessive headache, shortness of breath and a case of indigestion.  And maybe a feeling of confusion. The reason? Your credit card bills came in the mail. The feeling of joy was gone in about three seconds of seeing your bills.

Right around this time you may be wondering if Santa Claus has something else in his magical sack that he might be dropping off to let you payoff these bills. No such luck. Right at this time you have also clued that you have completely maxed yourself out. And Santa would not be coming back to supply any holiday good will.

To assist you in alleviating your New Year’s headache, Credit Canada might be able to assist you in coming up with a solution.

Credit Canada can work with you in a free hour long counselling session or at one of our free seminars so you can learn about credit, your credit rating and how to make life more comfortable again.

Credit Canada can assist in making out a workable budget. As well with the help of our Monthly Budget Trackers,  eg. The Staying on Track book can help you account for where your money goes every month. As well we can work out how to budget your money better.

If the unsecured debt bills you have ( like credit cards, loans and overdrafts) turn out to be as unbearable as an ugly Christmas sweater, I would suggest giving us a call or sending us an email at infor@creditcanada.com. Or you can do an online assessment at creditcanada.com.

If you are feeling things are becoming unwieldy, feel free to contact us where and when you can and we can work with you to steer things in the right direction.

Regardless of what the state of things are in now, we can work with you to understand the bonuses and the pratfalls of credit and how to get your credit back on track again.

Maybe you are dealing with one hangover while reading this. Let us try to help you with the other.

It’s the New Year. But here’s a little post-script regarding the holidays that have just passed.

We see them Boxing Day morning: queues of bundled up souls braving sub-zero temperatures in front of stores and malls everywhere, awaiting the throwing open of the retail gates for “big savings” on all manner of goods.

Yes, Boxing Day Sales have become a tradition in Canada, where so-called killer deals are to be had on so many of life’s vitally important items – toaster ovens, towel sets, blue jeans, Barbie Dolls, DVDs, computer games, and on and on.

But wait. Did I say Boxing Day Sales? I might just as well have said Boxing Week Sales, for an event once celebrated for only one day after Christmas has now extended its reach right through to the New Year in many regions of the land. And who knows, perhaps soon we can all start looking forward to Boxing Month Sales.

Why not? After all, in a culture obsessed with acquiring things, things, and more things, there is so much to buy, and so little time to buy it.

Leave aside the fact that the ostensible peace and joy of Christmas is suddenly cut short by the hum and cluck of overheated cash registers amid frenzied tug-of-wars between raging grandmothers around bargain bins. Aren’t we all, as hard-spending consumers, doing the responsible thing by greasing the wheels of our retail sector and moving the national economy forward?

Looking north, George W. Bush would understand. “Go shopping,” he once advised America in a time of national confusion.

In all seriousness folks, I think it’s time we took stock of what Christmas is really all about. I ask, what has the spirit of the season come to when we plan our giving after the fact? Can we not give our consumerism a rest, if only for a few days, once old St. Nick has come and gone?

Furthermore, just exactly what is it we hope to save here? Are we making sacrifices in relation to what we really want to purchase by going for the sorry leftovers of the pre-Christmas rush? And honestly, do we think for a moment that retailers don’t see us coming; that they merely start slashing prices randomly after the big day in hopes of luring us to their stores?

You better believe there are plenty of savvy marketing strategists out there who have made plans well ahead of time for all the “outrageously low prices.”

Perhaps we all ought to take a little history lesson here.

Boxing Day finds its historical roots in the soil of charity, not acquisitiveness. In feudal times and through the middle ages, lords would bestow gifts of food and goods to loyal, hardworking servants on this day. As well, it was a day for the distribution of alms from church collection boxes to poor parishioners.

Such traditions evolved into the Christmas baskets that some employers nowadays distribute to employees during the holiday season.

Imagine that, a Boxing Day Kindness, rather than a Boxing Day Sale.

Now that, to me, seems in keeping with the spirit of the season.

My friend Bob sent me an email during the Christmas break saying he’s sick and tired of hearing about New Year’s resolutions that few people ever keep. He supplied me with a top ten list of what he calls his true New Year’s resolutions. Here it is.

10. I will read less.

9. I will stop wasting time exercising.

8. I will gain weight. Maybe 30 pounds.

7. I will devote more time to Facebook and watching TV.

6. I will procrastinate as much as possible.

5. I will make a strong effort to be gloomy.

4. I will give weight to superstitions and gamble more.

3. I will devote more time to working weekends.

2. I will take up a new bad habit.

1. I will spend money like a drunken sailor.

Quite a list. I’ve got all kinds of problems with it for obvious reasons, though I’m not surprised by it in light of Bob’s curmudgeonly nature. Still, I’m particularly troubled by resolution number one since, from our perspective here at Credit Canada, resolutions having to do with personal finance are absolute keepers. On that note, here’s a recommended top ten for 2012.

10. I will have a clear, concise financial goal for the year that is put in writing and that includes specific numbers.

9. I will prioritize my debts, paying them down from the most important to the least important.

8. I will open an RRSP.

7. I will enroll in an automatic savings plan through my bank.

6. I will pay myself first by planning for retirement.

5. I will close all unnecessary accounts and memberships.

4. I will collect my change (maybe even buy a cool new piggy bank).

3. I will occasionally give money to others spontaneously in order to observe its power and promise.

2. I will keep track of my spending on a monthly basis, and through its findings create a written personal and/or household budget that applies monthly and yearly.

1. I will manage expectations first by realizing that I’m no drunken sailor.

I think I’ll fire this off to Bob in an email.

Meanwhile, all the best for the New Year.

Your bags are packed. You’re ready to go. You’re leaving on a jet plane to somewhere nice. But have you considered the following tips from FareCompare.com?

1) Pack light. If you need a coat, wear it on the plane to save space in your luggage. Adding another $50 to the cost of your round-trip ticket is not smart. Carry-on bags can help you avoid checked-bag fees. You can also use a carrier that gives you checked bags for free.

2) Prepare for delays. Winter means delays and cancellations of flights. Make sure you have the phone number of your carrier in case you have to arrange another flight.

Check the weather at the arriving and departing airport since one delayed flight can set off a domino effect.

Leave early. Factor in extra time for a shuttle from the lot to the terminal and time to get through security.

3) Use technology – do you have a smartphone, a tablet? Download your carrier’s apps to your phone, save their phone number and/or get a flight tracking app as well. Sign up for text alerts for your flight as they can let you know your departing and arriving times (good for your family to know when to pick you up), gate numbers and where to pick up your checked luggage.

4) Prepare the family – Anyone who has travelled with kids will probably tell you that after a vacation with them, they need a vacation from them. Pack a backpack for the kids to entertain them throughout the entire trip such as crayons, books, DVDs, extra chargers, batteries, special treat, etc. Dress them for the arriving weather – smaller coats and sweaters can be folded up and placed in their carry on.

If you are travelling alone, get a nice, durable pair of noise-cancelling headphones to drown out the noise from any crabby kids sitting around you.

5) Avoid wrapped gifts as security may unwrap them. To save space in your luggage, mail them to your destination.

Now, if you’ve done your homework and knew of these things before, what are you waiting for? Go ahead, the taxi’s waiting and he’s blowing his horn.

Have a nice and safe Holiday!