Cover image of Money Girl's Quick and Dirty Tips for a Richer Life
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Rank #34 in Investing category

Business
Investing
Entrepreneurship

Money Girl's Quick and Dirty Tips for a Richer Life

Updated 11 days ago

Rank #34 in Investing category

Business
Investing
Entrepreneurship
Read more

Money Girl provides short and friendly business, personal finance, and investing tips to help you live a richer life. Whether you're just starting out or are already a savvy investor, Money Girl's advice will point you in the right direction. From the creators of Grammar Girl at QuickandDirtyTips.com.

Read more

Money Girl provides short and friendly business, personal finance, and investing tips to help you live a richer life. Whether you're just starting out or are already a savvy investor, Money Girl's advice will point you in the right direction. From the creators of Grammar Girl at QuickandDirtyTips.com.

iTunes Ratings

1361 Ratings
Average Ratings
1060
158
58
36
49

Money chronicles

By Pumpinklator1024 - May 07 2020
Read more
You have an amazing podcast. Your advice is easy to apply to my daily life. We need to continue to push the money subject. Thank you, Maria

super helpful

By joyanne1 - Nov 12 2019
Read more
Loving all the information! Thanks for sharing.

iTunes Ratings

1361 Ratings
Average Ratings
1060
158
58
36
49

Money chronicles

By Pumpinklator1024 - May 07 2020
Read more
You have an amazing podcast. Your advice is easy to apply to my daily life. We need to continue to push the money subject. Thank you, Maria

super helpful

By joyanne1 - Nov 12 2019
Read more
Loving all the information! Thanks for sharing.
Cover image of Money Girl's Quick and Dirty Tips for a Richer Life

Money Girl's Quick and Dirty Tips for a Richer Life

Latest release on May 27, 2020

Read more

Money Girl provides short and friendly business, personal finance, and investing tips to help you live a richer life. Whether you're just starting out or are already a savvy investor, Money Girl's advice will point you in the right direction. From the creators of Grammar Girl at QuickandDirtyTips.com.

Rank #1: 257 MG 5 Clever Ways to Save More Money

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Tips to keep more money so you can use it wisely

Nov 27 2013

9mins

Play

Rank #2: 568 - A 6-Step Guide to Managing Your Student Loans

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In this excerpt from Laura's new book, "Debt-Free Blueprint: How to Get Out of Debt and Build a Financial Life You Love," you'll get solid tips to manage student loans wisely and use lesser-known strategies to make education debt much more affordable. Read the transcript at https://www.quickanddirtytips.com/money-finance/loans/a-6-step-guide-to-managing-your-student-loans Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts FOLLOW MONEY GIRL Facebook: https://www.facebook.com/MoneyGirlQDT Twitter: https://twitter.com/LauraAdams

Nov 14 2018

15mins

Play

Rank #3: 550 - 8 Tactics to Stop Living Paycheck to Paycheck

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While escaping the cycle of living paycheck-to-paycheck isn’t easy, it’s possible to get ahead by changing your mindset, examining your lifestyle, and creating new habits. Once you free up even a small amount of discretionary income each month, it’s possible to build a better financial life with more security and less stress. And tune in for bonus tips from The Penny Hoarder on saving money on your power bills this summer. More at The Penny Hoarder: https://bit.ly/2tAnPnJ Read the transcript at https://www.quickanddirtytips.com/money-finance/saving-spending/8-tactics-to-stop-living-paycheck-to-paycheck Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts FOLLOW MONEY GIRL Facebook: https://www.facebook.com/MoneyGirlQDT Twitter: https://twitter.com/LauraAdams

Jun 27 2018

15mins

Play

Rank #4: 200 MG Strategies to Build Wealth on a Budget

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Learn how to become rich by slowly growing your wealth over time. Get four strategies to build your personal fortune and create financial
security even if you're on a budget.

Apr 02 2014

8mins

Play

Rank #5: 373 MG 5 Decisions Millennials Must Make to Grow Rich

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Discover how to overcome common financial challenges and grow rich by making 5 important decisions. Get the Money Girl book at http://MoneyGirlBook.com. Read the transcript: http://bit.ly/ZWPqhY

May 27 2015

12mins

Play

Rank #6: 528 - 14 Tips to Kill Impulse Buying and Save Money

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Instead of caving to impulse shopping, use these 14 tips and tricks to resist bad spending habits so you can save more money.

Read the transcript at http://www.quickanddirtytips.com/money-finance/saving-spending/14-tips-to-stop-impulse-buying-and-save-money
Check out all the Quick and Dirty Tips shows:
www.quickanddirtytips.com/podcasts

FOLLOW MONEY GIRL
Facebook: https://www.facebook.com/MoneyGirlQDT
Twitter: https://twitter.com/LauraAdams

Feb 13 2019

22mins

Play

Rank #7: 463 MG How to Spend Less on Clothes (and Build a Better Wardrobe)

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Want a great wardrobe but don't want to spend a fortune building it? Laura gives men and women 8 smart tips to spend less on clothes and build a better wardrobe at the same time. You’ll learn how to create a wardrobe strategy, know what’s a good deal, find deeper discounts, and understand how to care for what you buy the right way so it lasts longer. Read the full transcript here: http://bit.ly/2bIvRo3

Aug 24 2016

16mins

Play

Rank #8: 576 - Pay Off Debt or Save? Your Step-by-Step Guide for Making Smart Money Decisions

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Not sure whether to save, pay off debt, or invest for retirement? Use this 5-step guide to make smart money decisions. It will help you leverage your financial resources, reduce stress, and build wealth as quickly as possible.

Read the transcript at https://www.quickanddirtytips.com/money-finance/loans/pay-off-debt-or-save-your-5-step-guide-for-making-smart-money-decisions
Check out all the Quick and Dirty Tips shows:
www.quickanddirtytips.com/podcasts

FOLLOW MONEY GIRL
Facebook: https://www.facebook.com/MoneyGirlQDT
Twitter: https://twitter.com/LauraAdams

Jan 16 2019

26mins

Play

Rank #9: 574 - 10 Horrible Habits That Keep You from Growing Rich

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Are these 10 counterproductive behaviors sabotaging your financial future? To do more with your money, you have to acknowledge (and lose) your bad habits. TRANSCRIPT: https://www.quickanddirtytips.com/money-finance/saving-spending/10-horrible-habits-that-keep-you-from-growing-rich | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

Jan 01 2020

19mins

Play

Rank #10: 414 MG A Blueprint to Prioritize Your Personal Finances

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Follow this step-by-step blueprint so you know exactly how to prioritize your personal finances. Use these 5 financial priorities to help set goals, leverage your resources, and build wealth as quickly as possible. Read the full transcript here: http://bit.ly/1KF3Ib1

Mar 29 2016

18mins

Play

Rank #11: 540 - Tricks to Travel More With Less Money and Time

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If you love the idea of traveling, but don't think you have enough money or time to get away, it’s time to reframe your mindset about chasing adventure. Whether you can only get away for long weekends or take extended tours, find out the tricks experienced travelers use to see the world on a budget. Read the transcript at https://www.quickanddirtytips.com/money-finance/saving-spending/tricks-to-travel-more-with-less-money-and-time Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts FOLLOW MONEY GIRL Facebook: https://www.facebook.com/MoneyGirlQDT Twitter: https://twitter.com/LauraAdams

Apr 18 2018

29mins

Play

Rank #12: 538 - 7 Micro Habits That Create Financial Success

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Find out what a micro habit is and how to use them to improve your financial life. They require minimal time, effort, and motivation, but can build up to huge, significant results when you make them part of your routine. Read the transcript at https://www.quickanddirtytips.com/money-finance/saving-spending/7-micro-habits-that-create-financial-success Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts FOLLOW MONEY GIRL Facebook: https://www.facebook.com/MoneyGirlQDT Twitter: https://twitter.com/LauraAdams

Aug 27 2019

18mins

Play

Rank #13: 608 - 5 Ways to Cut Household Expenses and Save Money

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Stop leaving money on the table and save on items you're already buying. Here are five clever ways to spend less without making big sacrifices. This episode includes a clip from Money Girl's guest appearance on the first episode of The Save Space podcast where Laura and host Kelly Sutton chat about about a variety of tips, including managing your household expenses.

Read the transcript at https://quickanddirtytips.com/money-finance/saving-spending/cut-household-expenses
Check out all the Quick and Dirty Tips shows:
www.quickanddirtytips.com/podcasts

FOLLOW MONEY GIRL
Facebook: https://www.facebook.com/MoneyGirlQDT
Twitter: https://twitter.com/LauraAdams

Sep 24 2019

30mins

Play

Rank #14: 376 MG How to Make More Money

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Money Girl reveals ways to make more money that doesn’t involve getting a second or third job—or even going back to school for an advanced degree. Listen on for 5 tips and plenty of useful info. Read the transcript: http://bit.ly/102YeBO

Oct 29 2014

8mins

Play

Rank #15: 493 MG How to Make Kids Rich by Investing in an IRA

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Ever wanted to make sure your kid would end up rich? The secret to having a secure future or paying for college could be setting him or her up with an IRA--an underutilized vehicle that many people miss. Laura explains the benefits of starting an IRA for minors, the rules for eligibility, how to open an account, and when you can spend the money penalty free. Read the full transcript here: http://bit.ly/2p1wfUG

Apr 12 2017

18mins

Play

Rank #16: 535 - 10 Strategies to Reduce Money Stress and Improve Your Finances

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You can can have money stress and feel anxious about your financial situation, no matter how much you make. Find out the root causes of money stress and 10 strategies to reduce it so you can have a more peaceful life. Read the transcript at https://www.quickanddirtytips.com/money-finance/saving-spending/10-strategies-to-reduce-money-stress-and-improve-your-finances Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts FOLLOW MONEY GIRL Facebook: https://www.facebook.com/MoneyGirlQDT Twitter: https://twitter.com/LauraAdams

Mar 14 2018

20mins

Play

Rank #17: 366 MG Tips for Saving Money on Travel and Cruise Vacations

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Money Girl shows you how to take a debt-free vacation and save serious money on a cruise vacation. Visit the website to read the full transcript: http://bit.ly/1r9JY7c

Aug 13 2014

12mins

Play

Rank #18: 589 - How to Invest Money Like A Pro (Even If You Haven’t Started)

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Money Girl and Chris Hill from The Motley Fool discuss common investing barriers and the best investment to own for long-term financial success.

Apr 24 2019

40mins

Play

Rank #19: 354 MG 8 Smart Ways to Spend Less Money and Save More (Part 1)

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Smart ways to keep more of your hard-earned money without having to sacrifice a thing. Get the Money Girl book at http://MoneyGirlBook.com

Apr 30 2014

7mins

Play

Rank #20: 380 MG The Science of Gratitude and Financial Success

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Discover the science of being grateful and how it affects your financial success. Plus, Money Girl reveals 5 tips to easily cultivate more gratitude in your daily life.

Nov 26 2014

9mins

Play

638 - Should I Use a High-Yield CD for My Savings?

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Laura answers a listener question about using CDs to stash her cash. Find out what a CD or certificate of deposit is, where to find high-yield CDs, and how to use them wisely when they're right for you.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/saving-spending/high-yield-cd-savings
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

May 27 2020

17mins

Play

560 - 8 Best Budgeting and Personal Finance Tools

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Laura reviews eight of the best personal finance tools to make sense of your money, stay organized, and achieve your financial goals. Read the transcript at 

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/saving-spending/8-best-budgeting-and-personal-finance-tools
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

May 20 2020

18mins

Play

637 - Which Debts Should You Prepay First? A 6-Step Plan

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Hooray, you have some extra money each month to pay down debt! This 6-step process will help you decide how to use that money wisely to reach your financial goals.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/loans/prepay-debts-plan
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

May 13 2020

19mins

Play

636 - How to Qualify for the Coronavirus Economic Relief Package

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Not sure what coronavirus economic relief you qualify for or how to get it? Laura interviews Gerri Detweiler, Education Director for Nav and cuts through the confusion. You'll get solid advice whether you have a large business, are a solopreneur, or are an unemployed worker.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/qualify-coronavirus-economic-relief
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

May 06 2020

29mins

Play

635 - Best Advice on Buying or Selling a Home During the Coronavirus

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The economic downturn affects both home buyers and sellers. Find out how to make wise real estate decisions and stay safe during the pandemic.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Through the end of April, Podchaser will donate 25 cents to Meals on Wheels for every review. Leave a review for Money Girl!

Links:
https://www.quickanddirtytips.com/money-finance/real-estate/buying-selling-coronavirus
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams
Podchaser #Reviews4Good: https://www.podchaser.com/podcasts/money-girls-quick-and-dirty-ti-4196

Apr 29 2020

22mins

Play

634 - 10 Things Student Loan Borrowers Should Know About Coronavirus Relief

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The CARES Act includes broad relief for hardships created by the COVID-19 pandemic, including significant benefits for those paying off student loans. Laura answers a couple of questions and reviews what the relief is, who can use it, and how it impacts the future of your student loan repayment.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Through the end of April, Podchaser will donate 25 cents to Meals on Wheels for every review. Leave a review for Money Girl!

Links:
https://www.quickanddirtytips.com/money-finance/loans/student-loan-coronavirus-relief
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams
Podchaser #Reviews4Good: https://www.podchaser.com/podcasts/money-girls-quick-and-dirty-ti-4196

Apr 22 2020

15mins

Play

633 - How to Manage Unemployment and Lost Business Income

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Laura interviews Colleen McCreary, Chief People Officer at Credit Karma, for tips on how to navigate unemployment the best way possible. Find out how to get all the benefits you're eligible for after losing a job or business income due to the coronavirus crisis. 

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/coronavirus-unemployment-lost-income
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Apr 15 2020

38mins

Play

632 - How the COVID-19 CARES Act Affects Your Retirement

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Life during the time of coronavirus is moving quickly and new legislation called the CARES Act affects your retirement account. Money Girl answers questions about making contributions and withdrawals and gives tips for managing your money wisely during this difficult time.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/retirement/cares-act-retirement
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Apr 08 2020

20mins

Play

631 - 10 Ways Coronavirus Tax Relief Affects Your Personal Finances

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In addition to postponing taxes, the new coronavirus tax relief law affects other parts of your financial life. Money Girl reviews 10 things you should know about the benefits of tax relief for your personal finances.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/taxes/coronavirus-tax-relief
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Mar 31 2020

15mins

Play

630 - 5 Strategies to Manage Finances During Coronavirus Uncertainty

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Feeling uncertain about how to handle your money or investments during the coronavirus pandemic? Money Girl covers five ways to make your financial health as resilient as possible and answers common listener questions.

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/manage-finances-coronavirus
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Mar 25 2020

18mins

Play

531 - 8 Investing Rules to Follow Even When the Stock Market Drops

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No matter what happens in the stock market, these eight rules will help you invest wisely. Learn where to put your money to create financial security even when the stock market drops. 

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/investing/8-investing-rules-to-follow-even-when-the-stock-market-drops
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Mar 18 2020

33mins

Play

629 - 6 Ways a Fed Interest Rate Cut Affects Your Finances

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What does a Federal Reserve interest rate cut mean for you and your finances? Money Girl explains how making some smart money moves now can work in your favor. 

Read the transcript.

Check out all the Quick and Dirty Tips shows.

Subscribe to the newsletter for regular updates.

Join the conversation on Facebook and Twitter.

Links:
https://www.quickanddirtytips.com/money-finance/loans/fed-interest-rate-cut
https://www.quickanddirtytips.com/podcasts
https://www.quickanddirtytips.com/subscribe
https://www.facebook.com/MoneyGirlQDT
https://twitter.com/LauraAdams

Mar 11 2020

15mins

Play

628 - What is Credit Card APR and Why Should You Care?

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Knowing your credit card APR is crucial for your overall financial health. Money Girl is here to help you understand APR and how it gets calculated on your account.

Mar 04 2020

14mins

Play

627 - Should You Pay Down PMI or High-Interest Debt First?

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Should homeowners eliminate their Private Mortgage Insurance (PMI) payment or focus on high-interest balances? Getting it right is essential to a healthy financial bottom line. TRANSCRIPT: https://quickanddirtytips.com/money-finance/loans/pmi-or-high-interest-debt | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts | JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

Feb 26 2020

22mins

Play

626 - 5 Effective Ways to Get a Loan with Bad Credit

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Getting a loan with bad credit isn't impossible. These five simple lending alternatives can help you put money in your pocket. TRANSCRIPT: https://quickanddirtytips.com/money-finance/credit/5-ways-get-loan-bad-credit | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts | JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

Feb 19 2020

20mins

Play

625 - How to Insure Jewelry and Expensive Valentine's Day Gifts

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If you assume that you already have coverage for a lavish Valentine's Day gift or don't need it, you could be making a huge mistake. Check out these seven tips for insuring valuables before buying them. TRANSCRIPT: https://quickanddirtytips.com/money-finance/insurance/how-to-insure-jewelry | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts | JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

Feb 12 2020

18mins

Play

624 - 8 Best Tools to Manage Every Aspect of Your Money in 2020

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Get in the habit of using free or low-cost digital tools to make better financial decisions and achieve your goals. Money Girl covers eight of her favorite apps, programs, and websites that can take your money management skills to the next level. TRANSCRIPT: https://quickanddirtytips.com/money-finance/8-best-tools-manage-money-2020 | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts | JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

Feb 05 2020

18mins

Play

623 - 8 Things You Must Give Up for More Financial Success

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To create more success, sometimes you simply have to give up what's holding you back. Money Girl covers eight ways to achieve your financial goals more easily. TRANSCRIPT: https://quickanddirtytips.com/money-finance/8-things-financial-success | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts | JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

Jan 29 2020

17mins

Play

622 - Your Guide to Claiming a Legit Home Office Tax Deduction

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Does your side gig, freelance work, or small business qualify you to claim the money-saving home office tax deduction? Find out how to save money this tax season. TRANSCRIPT: https://quickanddirtytips.com/money-finance/taxes/home-office-deduction-guide | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts JOIN THE CONVERSATION:Facebook: https://www.facebook.com/QDTNutrition/ | Twitter: https://twitter.com/NutritionDiva

Jan 22 2020

18mins

Play

621 - 3 Ways to Earn Higher Interest on Personal and Business Savings

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Tired of earning a pittance on your personal or business savings? Use these tips to find a bank that will help you earn more and easily make the switch. TRANSCRIPT: https://quickanddirtytips.com/money-finance/saving-spending/earn-higher-interest | Check out all the Quick and Dirty Tips shows: www.quickanddirtytips.com/podcasts | JOIN THE CONVERSATION: Facebook: https://www.facebook.com/MoneyGirlQDT | Twitter: https://twitter.com/LauraAdams

Jan 15 2020

28mins

Play

iTunes Ratings

1361 Ratings
Average Ratings
1060
158
58
36
49

Money chronicles

By Pumpinklator1024 - May 07 2020
Read more
You have an amazing podcast. Your advice is easy to apply to my daily life. We need to continue to push the money subject. Thank you, Maria

super helpful

By joyanne1 - Nov 12 2019
Read more
Loving all the information! Thanks for sharing.