6 Month LBMM Challenge (Introduction)

LIVING BELOW MY MEANS CHALLENGE

I decided to create a money savings plan and budget on my own terms. I have tried the envelope system which can work for people but I was not realistically including additional categories that I should have been including in order for the envelope budgeting system to work.

I am a money addict, I have been living with a money addiction going on 4 years now. I will begin to explain my journey into this addiction and how I am managing it.

I am so looking forward to the New Year. Another beginning, another chance to start over with a clean slate and a clear mind. I am constantly evaluating myself and how I could improve myself and of course thinking of ways to earn additional income.

I practice financial peace every day and meditate with the same words: 

I am worth more than money can buy.
I'm open to more, but I have enough.

Please see my outline of what the next 6 months will look like for me:

I will be living on $900 for the next 6 months, with the balance split into 6 months.

January: $150

February: $140

March: $200

April: $150

May: $130

June: $130

Total: $900 

Fixed Expenses that I have paid 6 months in advance:

    + Therapy twice a month $95/session. $190 X 6 = $1,140

    + Nails once a month $87.50/appointment. $87.50 X 6 = $525

FYI- I did not include the costs of my annual supply of contacts, asthma inhalers, car insurance, registration and other misc annual dues since I already paid those off in full. I will create another post about the breakdown of those categories and how I manage it.

No Credit Card Debt- That includes NO Paypal Credit and any 0% APR for 15 month charge cards!!

NOTE: I am 25 and do not pay rent since I live with my parents. I am very fortunate to be living with them since I love and enjoy spending time with them so much. I will leave the nest when the time is right, there is no rush. One mistake I made when I turned 18 was moving out and when I moved back home at the age of 22 I appreciated it more.

FYI-My car is paid in full and I earn an additional income as a ticket flipper and selling clothes online.

My goal out of this experiment/challenge is to see if I can go 6 months without touching my actual paycheck that direct deposits in my other Wells Fargo Bank Account. If all goes well, I should have at least $11,000 in June.

My income stats (not including taxes)

$1,200.00 twice a month     $2,400.00 a month

$2,400 X 6 = $14,400

$450 a month will be going into a ROTH IRA

$450 X 6 = $2,700

$14,400 - $2,700 = $11,700

Note: I have not included my healthcare coverage monthly amounts yet. I am no longer covered under my parents insurance at age 26 which I turn in June 2015 so I am on my own as of January 2015. (SIGH)

I will revise the amounts as soon I receive my first paycheck of the year on Friday January 2nd.

I am going to blog every day.. EVERY DAY. Wish me luck, 
I believe I can do this! 

The Monte Carlo Hotel Best Price Guarantee Review

HOW TO GET MONTE CARLO HOTEL FOR CHEAPER! 

So the girls decided on the renown Las Vegas Monte Carlo hotel for our 3 night stay. Let's see what this hotel is all about, sounds old school since it has been around a while but the rates are much cheaper than the Cosmopolitan (sigh). Monte Carlo is owned by MGM hotels who also owns and runs the Bellagio (2nd runner-up).

So, if Monte Carlo is already cheaper than The Cosmopolitan then why try to get a cheaper rate? Because I am always looking for the best deal and I know it is worth a try.

The room that I initially booked was:

Monte Carlo- Las Vegas 

Deluxe room- 2 Queen with a $35 food and beverage credit (very important detail)

1st night- $99

2nd night- $199

3rd night- $99

$397 Total

(I am not going to include tax and resort fee only to keep it simple because price match does not apply to that)

I went to www.vegas.com to book our Monte Carlo stay because they also offer a "Best Rate Guarantee" and more! 

See below:

BEST RATE GUARANTEE

We guarantee that we have the best rates on Las Vegas hotels. If you find a better price for your hotel stay (same hotel, dates of stay and room category) on a publicly available website in your country, contact us at 1-877-861-4402 within 24 hours of making your Vegas.com booking and we’ll give you double the difference.

DOUBLE THE DIFFERENCE! THE HUNT IS ON.... 

I go to my favorite hotel website (for now) www.hotelwiz.com and find the Monte Carlo for a better rate of 3 nights in the same room type for $338.09 Total. Now 397 to 338 is not much of a difference but when it is double the difference it sure is! FREE MONEY!!

Make sure the room information is exactly the same as the Monte Carlo room information as specific to even including the $35 food and beverage credit, make sure your cheaper rate is refundable, not prepaid, not a combined package with flight, car, etc. and no other additional corporate or group rates apply. Also a very important note is that the price has to be advertised, displayed and available to view. (No too low of a rate to list or name your own price crap...) 

I mentioned this already is my other post-

http://moneyaddic.blogspot.com/2014/07/the-cosmopolitan-hotel-best-price.html

So, the next step is to call the customer service number for Vegas.com and speak to a representative who confirms the better rate. In my case it was approved and $110.58 would be credited back to my account. WOW! Took less than 5 minutes to save $!

NOW I AM PAYING $286.42 for 3 nights in the same room at same hotel. 

At this point, it does not matter what the room per night ($ wise) would be, the best rate guarantee applies to the room total excluding all additional taxes, etc. If you must know what the additional are though, taxes are $47.65 for 3 nights.

Resort Fees, no way of discounting those... all MGM hotels charge per day. At Monte Carlo the resort fee is $25/day. I hope it is worth it with all the amenities they offer. I heard they have a fantastic pool! Split between 3 girls it is less than $150 each for the total stay. I am still daydreaming about The Cosmopolitan hotel.

You can still cancel the hotel up until the last 72 hours upon check-in. I hope we just stick to this reservation for now.

I hope this helps anyone with their hotel frugal search. 

If you think of any hotels that I may try please post a comment below!

LYFT- 50 ride challenge in Santa Rosa, CA

I signed up for Uber first and then I discovered LYFT. I signed up for both but LYFT was more financially reasonable for me. If you do not care what type of car it is then this should be your preferred ride.

Sonoma County/Napa Rates:
$1.00 safety charge
$2.25 pick up
$.27 a minute
$1.35 a mile

To see this rate sheet in more detail please visit: https://www.lyft.com/help/article/1574176

Do not plan on cancelling because it is $5 bucks. Although some may think it is JUST 5 DOLLARS, I just would rather throw a $5 bill out of the window for my enjoyment (I hope you get what I am saying).

My first ride was on Saturday July 19th:

Driver(s): Denis' pronounced as De' neese. Very nice french driver, great conversationalist.

11:00am pick up at home to take to lake ilsanjo     7 miles & 14 Minutes
1:50pm pick up at lake ilsanjo to take home     6.7 miles & 14 minutes & $4 tip
Note: On my first ride, I forgot to leave tip sorry! On the return ride it let me leave a $4 tip when the max tip for the free ride trial period is only $3.

2 rides: $16 + $20 = $36 total

I already planned out my structured week which turned out to be:

Monday July 21st

Driver(s): Denis' and Anne Marie. Anne Marie was my driver on last ride from food bank to home. she was very pleasant, initiated the fist bump and very easy going with a relaxed vibe. She loved my mom's garden :)

8:00am pick up at home to take to work     4.8 miles & 15 minutes & $3 tip
4:30pm pick up at work to take to the Food Bank     9.7 miles & 13 minutes & $3 tip
7:00pm pick up at Food Bank to take home     6.6 miles & 14 minutes & 3 tip

3 rides: $16 + $22 + $19 = $57 total

Tuesday July 22nd

Driver(s): Denis', Vasily and Tensae. 
Vasily was hard to understand and a jerky driver using the accelerator a couple times a minute, he did not drive fast but I did not feel the safest with him. I rated him 3 stars. Tensae was my driver on last ride from food bank to home, very good driver. 

8:00am pick up at home to take to work     4.9 miles & 11 minutes & $3 tip
4:30pm pick up from work to take to the Food Bank     10.4 miles & 17 minutes & $3 tip
7:00pm pick up at Food Bank to take home     7.3 miles & 16 minutes & $3 tip

3 rides: $15 + $24 + $20 = $59 total

Wednesday July 23rd

Driver: Denis'. I got very lucky to get the same driver all day!

8:00am pick up at home to take to work     5.3 miles & 13 minutes & $3 tip
4:30pm pick up from work to take to the Library    4.4 miles & 11 minutes & $3 tip
5:30pm pick up from Whole Foods to take home     1.9 miles & 6 minutes & $3 tip
Note: I walked from Library to Whole Foods which was across the way (no biggie)

3 rides: $16 + $15 + $10 = $41 total

Thursday July 24th

Driver: Denis'. Very prompt on time and even agreed to go through CVS Pharmacy drive thru when I asked if we could make a quick stop to pick up my prescription.

8:00am pick up at home to take to work     5.7 miles & 16 minutes & $3 tip
4:30pm pick up from work to take home     5.2 miles & 11 minutes & $3 tip

2 rides: $18 + $16 = $34 total

Friday July 25th

Driver: Denis'. I am so used to this driver that I am very comfortable.

8:00am pick up at home to take to work     5.4 miles & 13 minutes & $3 tip
4:30pm pick up from work to take home     9 miles & 10 minutes &3 tip

2 rides: $16 + $15 = $31 total

Saturday July 26th

The only LYFT I needed was to be picked up at an airport party. My friend that brought actually was a little bothered that I relied on LYFT than him. He was in good conversation and I did not want to bug him that I was ready to go home. Very convenient and not to take personal! :)

Driver: David. Very nice and professional. He even took down his pink mustache when we passed by some taxi's near the airport. LOL! (He did not want to get harassed!) Bereket was my second ride that night and was very pleasant and even stopped by Wells Fargo ATM and took me to my girlfriend's car to meet up. 

9:17pm pick up at Jet Center to take home     10.3 miles & 15 minutes & $3 tip
10:30pm pick up at home to take downtown 4th street    3.0 miles & 15 minutes & $3 tip

2 rides: $24 + $14 = $38 total

Monday July 28th

Driver(s): Denis' on the way to work- who I already feel a bond with. Anne Marie the rest of the 2 rides. Anne Marie is very chill and has good snacks! :)

8:00am pick up from home to take to work    5.4 miles & 11 minutes & $3 tip
4:30pm pick up at work to take to the Food Bank    10.0 miles & 15 minutes & $3 tip
6:30pm pick up at Food Bank to take home     8.4 miles & 16 minutes & $3 tip

3 rides: $16 + $23 + $21 = $60 total

Tuesday July 29th

Driver: Denis' on the way to work and to food bank. Anne Marie picked me up on the 3rd ride, she shared with me about raising her own chickens! Also, shared a nice lavender spray with me, My last ride was Mark who was really cool and handsome, was able to make a pit stop to pick up a gift certificate before going to Starbucks. 

8:00am pick up from home to take to work     4.9 miles & 11 minutes & $3 tip
4:30pm pick up at work to take to the Food Bank    10.3 miles & 19 minutes & $3 tip
7:00pm pick up at Food Bank to take home    7.9 miles & 15 minutes & $3 tip
7:55pm pick up at home to take to Starbucks    7.6 miles & 23 minutes & $3 tip

4 rides: $15 + $25 + $21 + $22 =$83 total

Wednesday July 30th

WARNING- THE 2ND/3RD RIDE WENT WEIRD... BUT WE ARE ALL HUMAN, PLEASE DO NOT FORGET THAT.

8:00am pickup from home to take to work    4 miles & 12 minutes & $3 tip
Driver: Denise', very comfortable.

4:30pm pickup from work to take to nail appt.    2.3 miles & 14 minutes & $3 tip
4:50pm pickup from stop to nail appt.     2.4 miles & 7 minutes & NO tip

Driver: Mike picked me up. Things went weird when he went the long way downtown to catch freeway. In the process we were pulled over by the Police. For three things, he forced a turn on a red light but made a point that he was in process, did not use turn signal to change lanes and did not have front license plate. This was really inconvenient since I was going to be 10 minutes late to my nail appointment. He was nice to end the LYFT ride and then when the Police was done he started a new ride. Funny moment when we were pulled over, there were kids driving by that shouted, " Still give em' 5 stars!". I had to give him 5 stars to start the second leg on my ride but knew this would be our last ride together. We are all human and things happen, I felt safe but did not tip on the 2nd attempt to the nail salon and gave him 3 stars so I will not get him for a LYFT. (REALLY GOOD RATING FEATURE WITHOUT BEING HARSH- ANYTHING 3 STARS AND BELOW WILL NOT MATCH YOU WITH THAT DRIVER EVER AGAIN)

6:45pm pick up from nail appt. to home     2.6 miles & 9 minutes & $3 tip
Driver: Tensae, she is very nice and pleasant.

4 rides: $16 + $13 + $8 + $12 = $49 total

Thursday July 31st

Driver: Denise'. I got her the whole day! Yah, I really have a pleasant time, very safe and we are carpool buddies at this point. 

8:00am pick up from home to take to work     5.4 miles & 11 minutes & $3 tip
4:30pm pick up from work to take to therapy    6.1 miles & 24 minutes & $3 tip
Note: Denise' was nice enough to make a pit stop to the library so I may pick up my books! 
6:00pm pick up from therapy to take home     5.4 miles & 10 minutes & $3 tip

3 rides: $16 + $20 + $14 = $50 total

Friday August 1st

I am feeling a bit sad knowing my LYFT rides are coming to an end. My car will be ready to drive tomorrow Saturday August 2nd. I have created a bond with my LYFT driver Denise'. I will miss being a passenger, it was nice to relax and not have to worry about paying attention to the road for once :)

Driver(s): Denis' on the way to work, very pleasant. I had Devin pick me up from work and I had heard about him from Denis' what a great LYFTER he is working hard and all hours, great guy and even gave me an iphone charge during our short trip! For my final ride back home, I got Maxwell who was also very nice and prompt with pick up.

8:00am pick up from home to take to work     5.4 miles & 10 minutes & $3 tip
4:30pm pick up from work to take to Jacksons to have Happy Hour    2.6 miles & 5 Minutes & $3 tip
6:50pm pick up from Jacksons to home     2.7 miles & 8 minutes & $3 tip

3 rides: $18 + $11 + $11 = $40 total


TOTAL DAYS USING LYFT: 12

TOTAL LYFT RIDES: 34 

TOTAL ($) SPEND ON LYFT: $578

LYFT is such an amazing company and I would use them over a cab service in the future. I will miss it dearly now that I have to start driving again. I hope LYFT is able to prevent people from getting DUI's and helping people in a jam get to their destination. This is truly relying on our community again and I hope this really takes off between UBER and LYFT.

Thank you all LYFT drivers for being so normal and cool, just by being yourself and treating others how they would like to be treated is the key.

I still want to become a LYFT driver for early a.m weekends.. we will see. I have to obtain full cellular data on my cell phone first.

The Cosmopolitan Hotel Best Price Guarantee Review

HOW TO GET COSMOPOLITAN HOTEL FOR CHEAPER! 

I have planned a trip to Las Vegas. For 3 nights in September. I really want to stay at the Cosmopolitan hotel (opened in 2010) and discovered it is expensive. They were bought by Blackstone group this May. Also what people do not know as I discovered too was Marriott Hotel Group owns Cosmopolitan.

My search was very simple and started with google: How to stay at Cosmopolitan Hotel for cheap? Follow these guidelines and steps to getting your best rate. (No trick or scam!)

1. I found out that you can book Cosmopolitan under Marriott Hotels.
2. Marriott offers "Marriott's Look No Further Best Rate Gurantee". See more information here- https://www.marriott.com/hotel-prices/travel.mi
3. Now the hardest part is finding the "cheapest" rate.

Now.... there is no scam to this, the work that goes into it is finding your best rate and believe me I looked around at all the websites, big, small, etc. You will find it even if it takes a couple hours. I actually enjoy doing this research knowing I am saving a couple bucks, to some people it is a drag.

Make sure the room information is exactly the same as the Cosmoplitan room information, make sure your cheaper rate is refundable, not prepaid, not a combined package with flight, car, etc. and no other additional corporate or group rates apply. Also a very important note is that the price has to be advertised, displayed and available to view. (No too low of a rate to list or name your own price crap...)

These are the current rates on the Marriott website for Cosmopolitan for:

3 nights in a City Room- 2 Queens

(I am not going to include tax and resort fee only to keep it simple because price match does not apply to that)

Wednesday- $400

Thursday- $180

Friday- $450

Grand Total- $1,030.00

Note: For a 5 Star hotel that is a standard rate but I know there is always a better deal out there! 

Let's continue with the process.

DING DING DING....I found my ultimate hotel deal on Hotelwiz.com

For 3 nights in a City Room- 2 Queens

Total- $870.59 

Now HotelWiz will not say what it is per night they just do a total for the 3 nights I was looking for. (Marriott's price match guarantee rep. can figure that out)

I started a chatroom with a representative just to make sure the room description was exactly the same. 

The room was exactly the same. Now they try to act like it is sold out to get you to commit to the deal but no need to book because all you need to do is process the "Best Rate" claim through Marriott website.

I booked the full non-discounted rate through Marriott. Then I submitted the claim. Make sure you know the exact rate, website information and any other additional information they made need to know.

Sit back, relax and wait to hear a response back, usually less than 24 hours.

People there is "NO RISK" involved in trying to get a lower rate. You can cancel your hotel reservation at anytime for a FULL REFUND unless you decide to cancel 4 days before your check-in date then you are charged. Even if you get the better rate, you can still cancel.

So, I wait patiently, I am able to go to sleep that night knowing someone out there in the Marriott World is confirming and matching my better rate and giving me an additional 25% off.

I wake up to the anticipated email that my claim was approved!! YAY.

New revised rate.

For 3 nights in a City Room- 2 Queens

Wednesday- $217.65

Thursday- $180.00

Friday- $217.65

Total- $615.30

That is a Savings of    $414.70!!!

Now the additional charges are:

Resort fee- $25

Estimated taxes, etc.- $27.61

NO DISCOUNT ON THE ABOVE CHARGES, HAVE TO PAY REGARDLESS.

Wow, so for 3 people it will cost each of us about $85 a night to stay at the Cosmopolitan but even for 2 people this is a great deal.

I am happy and hope this will help you find your best rate. You do not have to share this deal with people, again this is no secret, you have to make an effort to do your research. 

Marriott does the price match + additional 25% off to keep the rates "in check" so to speak. They obviously want to stay competitive but do not mind rewarding people like me for doing the extra research. 

Happy Travels! 

P.S- This also works for another 5-Star Hotel- Bellagio. Stay Tuned for the post!

Relay Rides- Overview as a Renter

I discovered Relay Rides online but I do not remember exactly how I came across it, Google or a money making blog. I am pretty sure I came across it while brainstorming ideas on how to make extra cash.

https://relayrides.com


I have rented out my car twice since I have signed up and now I will be officially signing off of using this service for good.

Renter #1

Trip Details

Toyota Prius 2011

Angelina's Toyota

RelayRidesIssued: July 2014

Pickup Jul 6 10:00 AM

Return Jul 7 10:00 AM

Trip cost

• Estimated cost
• $44.00
• 1 day @ $44.00/day
• Trip total
• $44.00

• Earnings
• RelayRides fees
• −$11.00
• You earned
• $33.00

This was my first rental request and I was so excited after 2 weeks of signing up with an active listing. The only request was if I could meet him 15 minutes away at his location, he was sailing into the harbor for an overnight stay. He offered that at the time of pick up, he could drop me off back at my location. I told him that was not necessary and brought my father into the equation. 

My father was not pleased to hear that I was going to be loaning out my car overnight. I call him old school who does not trust our society now days but I convinced him otherwise. At least I think I did. So I prepped my Prius to be "ride ready" which included a wash and vacuum. I included the RelayRides insurance card in the glove compartment. I had my father follow me to the location so he would be my ride back. I greeted the renter at the vehicle, exchanged a brief welcome, checked his drivers license and pointed out 3 minor things about the vehicle to be aware of (chip in right tail light, scuff on rim and dent on front corner of bumper). We agreed to keep in touch and parted ways.

On the ride home, my father pointed out a good point on why Relay Rides was not a good idea for me. The first point was that this is my primary vehicle, meaning if I rent it out, I cannot go places unless I walk or ride my bicycle. It is a inconvenience that I am allowing in exchange for a quick buck. I told my father that I did not mind and would find a way to make it work, I was forcing this situation to work.

Later that evening  at home I received a message from the renter to say that he was finished with the vehicle and could pick up instead of waiting for the next morning (I had work tomorrow and still did not know how I was going to work that out). I immediately told my parents and they agreed to drive me back to the pick up destination. When I got there to meet the renter, we exchanged a brief welcome and closed with Thank you and take care. Wow, $33 dollars in my pocket for hardly doing anything except inconveniencing my parents and myself. We both rated each other 5 stars. 

Renter #2

Trip Details

Toyota Prius 2011

Angelina's Toyota

Rented by

RelayRidesIssued: July 2014

Pickup Jul 18 5:00 PM

Return Jul 26 5:00 PM

• Trip cost
• Estimated cost
• $230.00
• 1 week @ $230.00/wk
• Extended to Jul 26 5:00 PM
• $44.00
• 1 day @ $44.00/day
• Trip total
• $274.00

Now this trip I expected to go the same way. I actually received the rental request on a Friday afternoon while I was still at work. She actually requested the car earlier if possible and it would be for a week. I told her it is possible to rent for the week (without thinking of how it would affect me) but it would have to wait until I was home. I was thinking with my money brain which was $172.50 in my pocket for a week of not having my car. I actually keep my vehicle pretty clean so I just needed to do some window cleaning and interior touch ups. She met me at my residence and was very good with communication from the beginning letting me know she was running a bit later than she expected. I met the renter, checked her license but immediately had the gut feeling that I was not 100% confident in renting to her but could not say no. I went over the same 3 minor issues with the vehicle then how to operate the prius. The driver who dropped her off followed her out of the court and I cringed inside knowing this rental was feeling more like a risk than a normal rental exchange.

My mother asked me if I knew where she was going. I said I did not ask and did not feel like I had to since my job is to rent out car but I should at least have a piece of mind while doing it.

I told her that I forgot to take a picture of the mileage so if you plan on renting PLEASE RECORD MILEAGE AND FUEL very important. So, I then planned the week ahead of how I was going to get to and from work, would I cancel volunteering at the food bank that week since I did not have a means of getting there? I debated cycling or even walking but I went online and found Uber and then was guided to LYFT (will be my next blog post). I signed up for Uber but the pricing was expensive for my weekly transportation given the fact that I am loaning my only vehicle for extra income. I resorted to LYFT which seemed very reasonable and was even more delighted to see that they had a promotion going on for the next two weeks which was 50 rides for under $25 are FREE. I chose LYFT to be my transportation for the entire time my prius was being rented out. It worked out but I got very very lucky! If that did not work I would have probably had to drag my parents into this gig again.

So forward to the date that my car was to be returned, I received a message asking to extend one more day to Saturday for an extra $33. Do not have to ask me twice with my money on the mind thinking, I accepted and continued with my day. Again, despite my gut feeling it did mean she had no plans on stealing my car or abusing it (well who knows) but had great communication so far.

On Saturday, I was anticipating the arrival of my car. I did not miss it too much since I was enjoying LYFT service very much. She drives up and takes her things out (more than what she originally had), an odd looking package which was a rug covered in a bed sheet and another bag. I checked the car which was fine and exchanged a few words, instead of waiting for her ride in front of my house she headed out of our court. 

My gut feeling was telling me she was a prostitute in hard times. When she arrived, her appearance in her license was different and I just got this vibe that she was in desperate times and here I was pimping out my car for cash when I did not desperately need it. I made a note to not rent to her again, better yet just close my RelayRides account. 10 minutes later she sent me a text to let me know she would be by soon since she forgot something in the trunk. I told her no worries and that the trunk would be open. Did I really want to see what was in the trunk? I did but I could live without knowing, I went out to the trunk and prepared myself to see the expected, it was a box covered in cloth and I drew the cloth back to see recycling bottles and cans and then a pillow. Ah, I thought the worst was she would sleep in the car maybe a homeless woman on wheels when not in and out of hotel rooms? I am 99% sure that she was the profile of what I thought she was. She came back and I unlocked it for her, a different guy who drove her who did not look friendly but more annoyed that she had to come back. I rated her 5 stars and said she had excellent communication through the duration of trip.

Thinking about someone using my car in such a way made me feel extremely uneasy and re-confirmed my decision to close my RelayRides account. I would hate to have to feel obligated to rent to her again if she requested because I would accept because I am a money addict. I just would hate for something worse like an accident were to happen even though RelayRides covers it, I just do not want to think about it. Also this decision will put my family at ease and if I do not want to tell people I am renting my car for extra cash then I probably should not be doing it.

RelayRides is a great company and an opportunity to rely on our community for vehicles.It has a 1 million dollar insurance policy so you are 100% covered while renting out your vehicle. It does not affect your personal insurance and is a very easy way to make money if it is your extra car or you do not use your car that often. It is not ideal for me to use this service, it actually never was but I tried it, did not fail and conquered an extra $307 dollars in my pocket. 

Signing off... I am thinking about becoming a LYFT driver though. Stay tuned.