Who hasn’t complained about money from time to time? I’ve had my share of gripes over the years for sure! Some people follow up their gripes by doing something about it. They save and work hard so they can have a better life later on. They become the well to do.
Others are the not so well to do’s. They sacrifice their futures to live like kings and queens today, always with the latest “stuff” but at the same time complaining about money.
I’ve observed, over the years, that the not so well to do’s have some traits in common. The following list are my observations. These items aren’t bad per se, but when you see a good number of these traits in a person there’s a good chance they too are one of the not so well to do (read: poor)!
25 Traits Of The Not So Well To Do:
1) Flat screen TV – I’d love to have one but I know we can use the money elsewhere right now. But I’ve seen a lot of paycheck to paycheck households with a flat-screen TV. They are the wave of the future but these were bought to have a cool tv
2) Premium cable channels – Who doesn’t love the shows on HBO or Showtime? But the the ones who are most complaining about money tend to not only have one premium cable channel, they tend to have them all! When you mention that it’s expensive they insist that it’s cheaper because of a package. They might also have some sort of DVR t record all of the channels too. Sorry, I can’t see spending over $100 a month to sit in front of the TV that much (thought there was a time that I did but I was also in credit card debt once too).
3) Eating out often – The not so well to do can’t get ahead because so much of their paychecks go to eating out often. I’m not against a good meal but these people rely on other to cook for them rather than prepare food for themselves.
4) Leasing a car – A car lease can be useful but the not so well to do’s are perpetually leasing, enticed by the lower monthly payment. Over time though a bought car would have saved them a whole lot!
5) Buying a new car every few years – Maybe worse than the car leasers are those who insist on buying a car every few years. Oh, the horror of not having an up to date vehicle that you take care of for the long haul. You must have something new to show off.
6) TV in every room (with cable) – The not so well to do’s are so consumed with their TV shows that they have one in every room lest they miss something on TV! Every bedroom and kid has one! There might even be a small one in the kitchen. And to add to the expense they probably all have full premium cable channels. I love TV but come on!
7) Latest cell phones – The not so well to do’s always have the latest cell phones. It’s a miracle if their cell phones last for the 2-year contract. These are people where you run into them every few months and somehow they have a new phone. They’ll insist that it didn’t cost them anything but we know better.
8 ) Eat poorly – This goes hand in hand with eating out. The NSWTD’s tend to eat like crap. Soda is a staple as are fried foods and fast food in general.
9) Overweight/No Exercise – When you eat out all the time and don’t eat well what’s going to happen? Yeah, you’re gonna put on a couple of pounds. Or more! This people scoff at exercise and moan that they don’t have time and it’s too expensive. Of course it is – you’re spending too much time and money on your TV’s and shows!
10) Lots of new clothes – Oh, the not so well to do’s have to have the latest styles or the biggest name brands. And in excess too! A few pairs of shoes or sneakers? Yeah, that would be optimistic. More like enough shoes so that none of them ever have a chance of wearing out.
11) Tons of gifts for the holidays when you can’t afford it – Have you heard this story? Person complains that they are up to their necks in credit card debt because they had to buy everyone gifts for the holidays. Not just immediate family but all sorts of extended family too. Uncle Joe’s wife’s sister Mary’s kid needed to get that new X-Box game because you promised it to him. Wonder why he likes it when you come over for the holidays?
12) New computer every couple of years - Man, the not so well to do’s go through computers like my two year old goes through diapers! There’s always some reason they needed a new one. And no, these people don’t need their computer for work in any way.
13) Don’t take care of their stuff - These folks not only have lots of stuff but they don’t take care of it either. Rather than take care of their stuff they let it fall into disarray. Even if there’s something small that can be fixed they’d rather just go buy another then go through the trouble of fixing it. Yeah, here’s one reason they go through so many cars, cell phones, and computers!
14) Tons of gadgets - Always with the newest gadgets the not so well to do’s have (that was a Yoda sentence, huh?). Besides cell phones and such they also have whatever is the newest thing, paying full price for being the first to have it.
15) Doesn’t own a home – Nothing wrong with renting but I find that the not so well to do’s more often than not rent. And they move pretty often too. I guess their apartments aren’t ever big enough for all of their stuff!
16) No online high yield savings accounts – No ING for these people. For whatever reason they don’t trust online banking, or so they claim. Yet they seem to be able to use their computers to shop online without trust issues, hmm.
17) Doesn’t budget – No budget what-so-ever! “Budgets? We don’t need no stinking budgets!” Spend and we’ll figure it out later.
18) Couldn’t tell you their monthly expenses – The NSWTD’s can’t keep track of their expenses. There’s so many to keep track of too! Think a budget might help? They also have a tendency to miss payments on bills making the cost of their expenses even greater.
19) Doesn’t share finances with their spouse – There’s a tendency that one spouse takes care of all the finances while the other one has no clue. Scary.
20) Hates job but won’t do anything about it – Do these people bitch about their jobs! But ask them why they won’t leave or look for another one and they’ll give you a litany of excuses.
21) Little or no college education – I don’t want to rag on people who don’t like school. It’s not for everyone and not everyone needs it. But it seems a lot of the not so well to do’s have little or no college education. Just saying.
22) No financial priorities – These are the people that tell you they could never save a down payment for a house but then you see all of the gadgets and new items they have. Yeah, they could save up they just don’t make it a priority.
23) Quick to pick up tab and tip – It’s great going out with these people because they are quick to pick up the tab and/or leave a ridiculous tip. It’s like they are trying to prove they have a lot so they become over generous. Hey, I’ll pay my share and you don’t have to prove anything to me!
24) They don’t realize their situation – For all of the complaining about money they do, the not so well to do’s don’t realize why they are cash-strapped. When you try to point out how they spend or how expensive some of their habits are they say it’s nonsense.
25) No personal responsibility – Someone or something is always out to get them and causes them to be broke. The IRS hates them. Their bosses won’t promote them. Their family takes their money. There’s always some outside influence that causes them to not have money. It rare that they blame themselves for their situation.
The traits I listed aren’t bad in of themselves. Hey, if I could always have a new car and the latest cell phone and eat out all the time at the nicest restaurants then that would be great. But I can’t, and these people can’t either. The not so well to do’s over-extend themselves and hold themselves back. They try to live up to some imaginary ideal that is impossible for them to keep up with. Some ofi t is keeping up with the Jones’. Some of it is not wanting to know their limitations. Whatever it is it keeps them back and they will always be struggling unless they change their ways. They are the not so well to do and will remain that way unless they change.
If you are reading this and these traits resemble you then take a good hard look at your spending habits and ask yourself if there’s any way you could make a positive change!
What traits have you noticed about the not so well to do’s?
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Okay, not able to reply to your reply of Imelda’s comment, but when she says “poor people,” I think there *are* commonalities between the NSWTD and what she means.
I read Ruby K. Payne’s book about poverty not too long ago (but the name escapes me), and some of the traits you list fall under traits she lists for people who are living in generational poverty — an emphasis on entertainment, for example, which applies to everything from owning “gadgets” and flat screens to blowing money on eating out. She also points to some traits like poor impulse control and inability to make plans (or think in a narrative fashion, from start to outcome) that you recapitulate as “doesn’t think about retirement,” or “no fiscal planning.” Many people blow windfalls or tax refunds on their relatives who will just waste it, because windfalls are rare but interdependency is permanent. If you’re not very literate or well-educated, you may just buy unhealthy foods with what money you have because it will be enough to feed everyone and if soda and hotdogs make your kids happy, well, you may not be able to provide much else that will (this also goes to the Christmas trait you mention).
Poverty itself is incredibly hard to escape, because it’s not just a matter of earning enough money, it’s about getting command of your future and your own emotional resources and not getting sucked back into the dynamics that keep people poor.
It’s very easy, for those of us raised with a middle-class “scrimp and save” “buy a house” “invest” mentality to say that the poor should know better and not buy a flat screen TV and Xbox. But if vast numbers of middle class, college-educated Americans (of whom more than a few are from poverty) have fallen for the trap of revolving credit, how are people who may have barely graduated high school, and grown up in a subculture with values that are easily exploited by credit card companies, supposed to have overcome it?
@Jon I mostly agree with you, but…
“2) The rent does not fluctuate like a mortgage – especially if you live in a town with rent control.”
Really? Why would a mortgage need fluctuate at all? I know some people have interest only mortgages or things like that, but we have a fixed mortgage and it’s… well… fixed. Yes, our property taxes might go up, but even that’s not certain with lowering property values (good for us since we’re not planning to sell our house). And I don’t expect huge increases anyhow.
Meanwhile, rent around town definitely HAS gone up. It goes up when property taxes go up, but even when they don’t then there’s increases to cover increasing salaries. Five years after buying our house, our mortgage is much cheaper than renting a comparable place — even with so many places on the market.
I once had a house-mate who hit 24 of these as a lifestyle (I was the one who purchased the flat-screen TV, so he didn’t bother).
Here’s some of the other things he did habitually:
1) Buy 2 large hot-chocolates or sodas, drink a third of one, and leave them both to go cold/flat on my kitchen counter or dining room table overnight.
2) Shop for food, stash it in the kitchen, then eat-out almost every night and let the stored food sail past its expiration date. I had to throw out over a hundred dollars of expired food every few months.
3) Complained about his finances to me. When I suggested he get a copy of Quicken or something to begin tracking his expenses, he moaned that this wouldn’t help him. Soon he started calling me “Quicken boy” prejoratively, until a month later he calculated with wide-eyed amazement that he was spending over $100 a month on breakfast alone.
4) Once announced his plans to improve his credit score. He did this by signing up for four of those “pay $89 to get a card with a $400 limit” offers designed for people with terrible credit. He then used them to shop at 7-Eleven, Dunkin Donuts and other fast-food places until they reached their limits. After he moved he failed to update them with his new address, and went for months without paying the bills. In an average month, on FOUR different cards, he’d get dinged for:
* $29 late-payment fee
* $29 over-limit fee
* $10 monthly maintenance fee
* About $5 in finance charges.
On the months when he did stir himself to pay a bill, he got dinged another $7 for an “online payment convenience fee”. One month, he clocked nearly $80 in fees and charges on one card alone.
5) Went for years without paying any taxes because his employer paid him off-the-books. Eventually the IRS caught-up with him and began garnishing his wages for several thousand dollars worth of back-taxes.
The last I heard from him, he was living in a residential hotel. He wrote a long complaint on his Livejournal that he had been turned down for a car loan, but he couldn’t understand why. His reasoning was that a 520 credit score was “average” because it was halfway between the lowest possible and the highest possible.
When you mention little or no college education or to summarize … lack of knowledge and refinement that only higher education can bring about, I take it that perhaps you don’t really see yourself as a member of the group that you are singling out. To solidify your point impeccable grammar is of course expected. Why is it then that you use “well to do’s” to refer to the plural of the “well to do” group?
I would add to your list that just plain ignorance (with all of its side effects) is a more salient qualifying reason for the not so well to dos, as you like to call them.
I’ve spent my time as a Not So Well To Do. If anyone catches me resembling a lot of these traits then I hope I’m called out for it because I’ll probably need the wake up call!
Ummm, yeah…sometimes my grammar is off.
The list sounds more like A) a minimalist who is trying to force their beliefs on everyone, or B) someone who’s jealous. To cite:
Flatscreen – these days you can get them for a few hundred bucks at Walmart, less than a comprable tube was before flat panels drove them down to $10.
Premium channels – these are $5-15/mo per package depending on provider. The fact these are listed tends me to think “B” is more likely. If $15-60/mo is a big deal, you need a new job.
Eating out often – mostly lazy since people can’t cook, but some merit.
Cars, gadgets, computers, phones – everyone has their vices; same could be said about people who go skydiving every weekend, or anything else. Just because you have little interest in material goods doesn’t mean noone else does. Reasons vary more than the stock market.
Overweight – isn’t something like 50-60% of the US population overweight? This is a ridiculous fact to attach.
Doesn’t own a home – Have you SEEN housing prices lately? Anyone who doesn’t own is winning and lucky – sounds like someone who bought and is hating it now/jealous of the freedom of renters.
No online high-yield acct – This is just silly, more proof you’re trying to force your own beliefs on others…kinda sad. This is so specific it’s funny: my parents are millionaires and don’t have an online savings acct.
17-25 I’ll give you. My guess is you had those and just went off on a rant/tangent for the other 16.
Everyone is different, everyone has their own priorities and lives their lives differently. I have numerous degrees and get odd looks from my bosses as to why I’m putting so much effort and focus into school – yet none realize anyone with the qualifications I’m building isn’t an executive within 3 years. Does that make my approach better? No, just better suited to my lifestyle/goals – something you should learn.
I do agree debt is the devil, but I’m also well aware of how I live my life, why, and where I’m going – it’s entirely mine to decide and control, and my skill if I succeed, my fault if I fail.
I’m reading some of the negative comments from folks who don’t agree with your general point here, and it legitimately sounds like they don’t enjoy being reminded about it. They can try chipping away at the particulars all they want, but the broader theme here is rock solid.
Maybe #26 could have been “is in denial about their issues and snaps at anyone who calls them out”.
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Lawl – if everyone was a saver, the economy as you know it would cease to exist.
Who cares if people want to spend rather than save? Let them – it’s not your money…unless of course they get bailed out, so they get to spend and get free handouts…oh, hey, maybe we found the logic behind this post! 
Hey, I thought the economy as we knew it DID cease to exist!
It’s funny to read comments on here because nobody seems to want to attack the very basis of the problem here.
Some people are driven by money and want power, status, and material things.
Some people don’t care much for money and would rather have few material things, finding happiness in such pursuits as knowledge or meaningful relationships or art.
The list is just a clue-in to what people waste money on. The “extras” of life that aren’t exactly necessary and are more or less a money sink.
Do you need cable in every room if you only watch TV an hour or two a day? Do you need to have an updated model of your car every couple of years? Car models don’t change significantly year to year and if it still works there is no purpose to update it.
Do you need to wear the latest fashion you see in magazines? Like those ads where every piece of clothing on the mode is listed with the price? Are you that dependent on others to tell you how to dress that you need to pay 100’s of dollars to look like people in magazines. Think about it, that’s how these companies make money off you while they profit many times over. How? Sweatshop labor. While it cost them a few dollars to make your jeans, you pay $150. Ask yourself, why do you continue to line these people’s pocket?
Oh yeah, because you want to be popular and in-fashion.
Eating out is a waste. Always. Learn to cook yourself and you will notice you can live off nothing. Quit frying food in pounds of lard and butter. Use olive oil, vegetable oil, or canola oil if you absolutely must fry. Steam vegetables are good. Buy generic brands (there is absolute no difference between generic and name-brand aside from generic being cheaper).
Absolutely don’t buy a computer every few years. Consider what you use a computer for and try to understand that a new computer isn’t going to make your web-browsing any faster. A quad-core processor sounds impressive when you talk about it, but unless you do high-end video encoding you are likely to never utilize most of the processing power. Eight gigabytes of RAM is not going to do anything unless you deal with large memory applications like image processing and video encoding. LEARN TO UNDERSTAND THE PERFORMANCE OF PARTS BEFORE YOU BUY. http://www.tomshardware.com will clue you in.
For God’s sake don’t waste. You’d be surprised what you can mcguyver out of random raw materials that you chose not to throw out. Think like a functionalist. If you still get plastic bags for your groceries, double them as trash bags. Never use paper plates or plastic utensils. Use Tupperware to store leftovers from dinner to eat for lunch the next day. Every single resource you have is valuable. Think–every time you misplace a pencil you’re wasting money. If you work for an hourly wage you’re literally throwing away some of your time worked.
When it comes to credit I maintain the idea that you shouldn’t spend money you don’t have. Have planned credit plans where you get a credit card for the purpose of building your credit. Keep up with the charges and make sure to pay the bill on time. Don’t be suckered into credit cards with high interest rates (preferably with no interest whatsoever).
Quit trying to maintain this ideal that spending money is good for the economy so it’s justified that you are spending money. Wasting money on things with no real value is worse for the economy. Be hesitant about spending, save what you can, and live smartly and efficiently. Don’t live off impulses or you’ll be crying in the end.
And you will be crying in the end.
Reading the above and some of the reply comments, i disagree with the root cause of the NSWTDs’ welfare being that they are in poverty, or their welfare is due to a generational gap. The above traits are raised in the modern day American culture. Think back starting with high school, the traits and qualities that were (and still are) promoted by peer and staff were not academic achievements but rather material and physical. nobody praises the debate team or the honor roll kids who were buried in their studies. But team sports is emphasized, cheerleading/football. Think about “Home Coming”, was there any other larger event say except Prom- where again the jocks are usually celebrated. Also those with a car, video games, name brand sneakers, designer jeans were the “coolest”. And is it a real surprise that these extroverted, excessive, non-conservative, non-ambitous, “no long-term planning” habits would change from high school to college, and from college to beyond? The children who had strong foreign ethnic backgrounds were mostly indifferent to such a value system. sure we all made fun of the nerdy russian/chinese/indian/equadorean kid/etc. Many of them come from relatively poor families and yet are NOT trapped by the poverty mind sets that some comments above suggested that they should have had to “overcome”. Therefore, is it a surprise that although asians are a minority in our country (look at the last census, they are less than one-third the latino population AND less than one-third the african american population), they are consistently excluded from quotas and affirmative actions at the university level and beyond, e.g. med school, law school, etc. Do they have bigger brain mass? No one yet has shown that to be true! I truely believe it’s in our culture’s values, and what we praise and promote in our youths. Acting and behaving stupidly has nothing to do with poverty or a generation gap. Saying so is an insult to the working poor, or those who are from a different generation. Tell those immigrant kids to stop achieving because they are from a poor family or their parents are from a different generation… Wait, i think we should correct our value system instead.
@Shun (et al.)
Apologies in advance for what will be a long-winded reply. I’ve been following the MANY comments and there’s a lot I want to respond to.
I agree that much of this is VERY cultural. In the U.S. and many other countries, there is definitely a license — even expectation! — to have/do these sort of things. As someone who now lives more simply, I still feel pressure when around “normal” people who say things like:
“Why do you live so POOR? You can afford heat and paper towels!” “You can’t get rid of cable — what will you do for entertainment!”
“Get it! It’s ONLY $1!”
“Your house looks so Spartan! You should buy something to put over there!”
“Don’t be so cheap!”
“Live a little!”
And it’s not just people who are poor or dumb. Even financial “experts” are WAY wrong and otherwise smart, respected people parrot “common wisdom” (e.g. I remember “House values always go up! You can always refinance!”). But some of us can afford to be wrong and some can’t. So yeah, I can hardly blame people with less time, less resources, and even — yeah, I’ll say it — less smarts, for buying into what is “common wisdom”.
And that’s exactly why it is important that we do challenge these “values” and general way of thinking. It’s not like there are an abundance of good role models out there when we’re talking about traits that describe U.S. society (et al.) in general.
But I also believe that we should be compassionate about it — not just poke fun of people who couldn’t afford the same mistakes we’ve also made and don’t live up to some grand ideal of self-sacrifice that most of us wouldn’t live up to either if tested. And we must acknowledge that each case is different, each person is different, and yes, there are indeed faults in “the system”.
I believe it is a broken system when you depend on the government for basic things but when you get a small raise you lose FAR more income/resources than you gain. I’ve known people who got so discouraged by that game that they stopped trying to “help themselves”. Why even try to get a job or a better one or a raise when you lose NEEDED govt. benefits well before you can support yourself fully? When you’re worried about how to feed yourself and your kids, that’s not being lazy. That’s being practical. And while I think as individuals it’s better to look for ways to help yourself than blame the system, I think as a society we should do our best to fix it so that people are rewarded for hard work — not punished when they really are trying but still really do need help.
I’m a NSWTD for sure. I love gaming and I own an iPhone since I love the features on it. I own a large HDTV as well. That said, gaming is my hobby, I think a person regardless of status should be allowed to have a hobby. Besides, for the stuff I received I got almost everything at discounted prices. For example, I bought three gtx280s for “only” $650 back when they were retailing for over $500 a piece. As far as the TV is concerned, I traded some tech work to knock a few hundred dollars off of the price. I bought a broken 360 for $45 and fixed it into a working 360.
I definitely eat out more often than I should. Probably a product of both my wife and I both working along with my going to school full time, along with not having much desire to cook after all is said and done.
Of course I am overweight as well, which matches, though I do put in some exercise every week. I went hungry a lot when I was younger, and when I was on the streets I was thin from having to walk everywhere. So when I became more economically stable I tended to put on weight. I’ve lost probably a hundred pounds over the last couple of years, but I am hardly skinny, and never will be. I have 19″ biceps and a bit of a gut, I am just one of those beefy guys and I would have to cut to the extreme to make much more headway. All the same, I fit that description in so far as I am overweight.
I also don’t have a degree yet, but I am a junior at uccs going after my electrical engineering degree. I am 30 as of last month and I should probably have my degree by now.
I don’t care about style or clothes in the least. So that is one thing I guess.
We drive cars until they disintegrate out of necessity. Though we are paying on a 2004 saturn. Not exactly something we are thrilled to be seen in, but at least we aren’t embarrassed anymore.
I have personal responsibility for some things and not others I suppose. I had a bit tougher start than most, which made it difficult to get a good start. Spent some time on the streets after I turned 15, had an insane mother (she stabbed me and pulled a gun on me) and no father, had a kid with my wife when I should have been in school, and worked my wife through college into a job that doesn’t pay particularly well (veterinary technician).
Never really had any of those doors opened for me that a lot of more well to do people get. No money for college, so I was limited to schools that could be covered by grants. I had to work two full time jobs for a number of years while my wife was in school.
I can’t help but think that with a better support system and perhaps a better network of my parents friends, I might have had an easier time of it. Hell, if not for the small doors opened by our government via grants, I wouldn’t be able to do anything with myself whatsoever other than likely work myself to death until I die (barring some wonderfully lucky opportunity).
We have no investment plan, and only a very rudimentary budget as it has taken me quite some time to get into any sort of habit and curb some of my impulsiveness. I am still quite impulsive sometimes due to the way my childhood was, I imagine.
On the bright side, I have been with my wife for 12 years and I couldn’t be more in love with her and we are very happily married and share everything. So I have that at least, which is pretty uncommon at any level of income.
So I’m a piece of crap I suppose with no hope at all of making anything of myself, and I should have just pulled myself up by my bootstraps earlier on and not used any government money to attend school, even though I had zero support system and zero doors to walk through.
I am just a NSWTD and I am a horrible person because of it. I’ll try not to die in front of your limo when I finally keel over. I hate to inconvenience anyone with my life.
Whoa, why the negative outlook? Maybe you didn’t have all of the best doors opening in front of you but it sounds like you are making the best of it (sometimes I wonder where the opportunity doors even are!).
At no point have I suggested that people who resemble these traits are horrible in any way. They are just traits that I see in people who aren’t getting by but don’t realize it. If you resemble too many of these and you find yourself behind more often than not than ask yourself why and what you can do about it.
Yeah, I could have had a trust fund so I could have gone to a better college without having to pay off so much debt for the next twenty years. That might have been a start I suppose as far as open doors that would have been useful. Or perhaps a friend of the family that might be able to hook me up with a decent paid internship. That would have been useful too.
Spent a long time being absolutely miserable. Is it any wonder that I do the things that now make me happy? I suppose with a happy, stable upbringing it would be easy to put off purchases and be extremely disciplined about living and expenses. However, it isn’t some switch that can be flipped with ease. Not just something that can be fixed with an attitude adjustment or with a tired cliche such as the “personal responsibility” mantra. Nobody who has anything got where they are by themselves, and nobody is solely responsible for their success or failure. These things pivot greatly on our environment, our natural talents and of course the learned ability to recognize opportunity (and a healthy dose of luck of course). It is fun to feel elite. I understand that, I really do. However there are solutions outside of the realm of “bootstrap pulling”. Less convenient solutions that require time and money, but that are much more effective none the less.
#’s 1, 2, and 6 stand out to me because I used to be a cable installer for a few years and it always blew my mind how so many people who live in ‘projects’ and section 8 housing have 45 in – 65 in flat screen tv’s and I am installing them with the HD package with all the premium channels.
Go figure, I would go back to those same addresses to disconnect all of their services a month later for non-payment! If they’d have opted for limited services, they’d probably still have it!
Hi Team,
Thank you for the easy to follow format. Straight to the point Boom!
My Favourite points were 20 about those who hate their jobs. I’m a recruiter and developer of business owners by trade and it is amazing how many people not only hate their jobs, but the income from those jobs isn’t even enough to pay the bills. And you’re right… the excuses! ‘I can’t give up my benefits.’ etc.
What benefit! I think people are just afraid to step out into the unknown and fail.
The 25th is good too. Ties in with the job. ‘My job doesn’t pay enough’ is another excuse they use and avoids them taking responsibility.
People just need to get of their buts, put systems in place and take responsibility. They are where they are because that is exactly where they want to be. If they wanted to be in a different financial position, they would change. Period.
Anyway, great post.
Wishing you all the greatest of Blessings,
Guy
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