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  • Largest Bike Sharing Service in the US!

    Largest Bike Sharing Service in the US!

    Lyft has recently acquired the largest bike sharing service (yeah, that’s a thing, apparently) in the US for $250 million. If that’s got you scratching your head, don’t worry, we are too. Jokes aside, the bike company, called Motivate, operates a number of bike rental services in urban centers that use bikes instead of cars. The offered bike rentals around the city are a combination of novel and useful. For one thing, they’re just neat: you go to a docking station and grab a bike! Additionally, the usefulness of not having to lug a bike downtown is a big draw to customers.

    Ride Sharing’s Interest in Bike Sharing

    Similarly, Uber recently purchased New York-based Jump Bikes. Lyft and Uber’s sudden interest in the bike sharing market may seem odd at a glance, but it makes sense. The primary income for both companies comes from densely-packed urban centers. Those same urban centers are a prime location for using a bike to get around. And, what better way to dig into Uber and Lyft than offering cheap bike rentals?

    In order to head off this potential thorn in their side, the companies did the thing they do best, and threw money at the problem. In this case, it worked out pretty well: they both possess significantly more bikes now than they did, and the competition is gone.

    That said, Lyft seems to have come out on top, as Motivate currently operates in dozens of cities in the US. This marks the first time the ride sharing company considered second-fiddle to Uber has come out on top in a bid for supremacy. This can only spell good things for customers: increased competition leads to better, cheaper services. If you find yourself in a large metropolis looking for a good way to get around, keep your eyes peeled for a Lyft sign over a bike station. You might just be able to drop some quarters and grab a two-wheeled ride!


  • Learn How to Cash in on Amazing Rewards From These 4 Credit Cards

    Learn How to Cash in on Amazing Rewards From These 4 Credit Cards

    Saving money is incredibly important for any family. You want to be able to make the holidays memorable, but gift shopping gets expensive. That’s why it’s essential to explore all options to make the most of your money. One of the easiest ways to save money and get cash rewards is by getting a credit card. There are tons to choose from with all different types of rewards. That’s why we’re here to help.

    What Do You Want Most?

    Deciding what’s most important to you for your credit card is the first step to making the right choice. Do you want a credit card that will give you cashback on your most frequent purchases? Do you want a card that gives you frequent flyer points so that your next airplane ticket is discounted (or free?) Or do you enjoy staycations? Whatever you want to focus on there’s a credit card to match.

    You’re a world traveler

    Traveling new places is a great thing to be able to do. For some people it can be an expense they can’t quite afford though. That’s why it’s helpful to enlist your credit card company to foot the bill.

    The first place to start is with a broad credit card like the Capital One Venture Rewards Credit Card. The card offers double miles on all purchases and has a promotion where you can earn ten times the miles when staying at certain hotel brands. Importantly, there are no blackout dates with this card, and the points can be redeemed at any airline or hotel. There aren’t any expiration dates on your miles, and there’s no limit to how many you can earn. You can also transfer your miles across to other loyalty programs.

    Frequent Travel Pays Off

    The Chase Sapphire Preferred Card is a highly sought-after credit card for airline miles for a number of reasons. Firstly, the intro bonus is very generous. If you spend $4,000 through the card in the first three months of owning it, you get 60,000 bonus points. That translates to about $750 in travel rewards, which is a lot to earn just for using your credit card. You also get reimbursed for the $85 TSA precheck fee or $100 Global Entry fee. Add all this together and the card can easily pay for itself.

    Dining and Entertainment

    For those of you who don’t have the time to jet off to new locations, there’s a credit card to fit you too. The Capital One SavorOne card is the one for you. It will reward you with 3% cashback on dining and entertainment, 2% at grocery stores and 1% on all other purchases. There’s no annual fee and you can earn a $150 bonus if you spend $500 in purchases in the first 3 months. Another great benefit is that your cashback rewards don’t expire. That way you can use them when you need them.

    Just Give Me the Cash

    If you don’t want a card with a fancy rewards system, but you wouldn’t mind a little cashback in your wallet, you aren’t alone. The Discover it Cash Back Card would be an excellent choice. With this card, Discover will match all the cashback you’ve earned at the end of the first year automatically. They also offer different killer deals each quarter. They choose a popular category and offer you 5% cashback (up to $1500.) Once you’ve hit that cap, which isn’t difficult, they then offer you 1% on all your purchases in that category.


  • Is Your Card This Good? Best Credit Cards with No Annual Fees

    Is Your Card This Good? Best Credit Cards with No Annual Fees

    It can be hard to build your credit. Credit cards come in so many varieties. How can you figure out which one is the best for you? To help you decide we’ve rounded up a selection of some of the best credit cards with no annual fees. These are some of the best credit cards you’ll find for building credit!

    Best Credit Cards with No Annual Fees

    Discover it Cashback Match Card

    This no-fee cashback card is an interesting one. You get one percent cashback on all purchases, which is standard for cashback. However, each quarter a new category of five percent cashback is in effect. For example, some quarters will have restaurants as a five percent category while others will have gas stations in that slot.

    While the quarterly bonus rewards are nice, the best part is the introductory period. For the first 14 months the card has zero interest! After that it reverts to between 13.49 percent and 24.49 percent APR.

    Citi Simplicity Card

    This straightforward no-fee credit card is great if you just want a simple card for daily use. It offers an 18-month period of zero interest and has no annual fees. To get accepted for the card it’s recommended that you have credit between 690 and 850. Overall, this card is a fantastic deal. On the downside, there are no rewards associated and the rates are somewhat high after the introductory period.

    That said, this card is worth it for the introductory period alone. No annual fees and no interest for 18 months is a hard deal to beat!

    Citi Double Cash Card

    This Citi card has no annual fees and is one of the best cashback cards you can get. It’s recommended you have between 690 and 850 for your credit score to get approved for the card. This card charges zero interest for the first 18 months, which makes it very attractive for new cardholders.

    The card gives you one percent cashback on all purchases. While it doesn’t have rotating cashback categories, you do get the awesome 18 months of no interest. Additionally, there is no limit on the amount of rewards you can receive. After the introductory period, the card reverts to between 14.99 percent to 24.99 percent APR.


  • Searching for Medicare Part D?

    Searching for Medicare Part D?

    If you rely on Medicare for your health care, you may find that Medicare doesn’t cover everything. For those on a fixed income, it can be extremely difficult to afford medication or any additional health care costs not covered by Medicare.

    If you are currently in a difficult situation where the health care bills are piling up, consider Medicare Supplemental Insurance. Medicare Supplemental Insurance is insurance that can help cover what Medicare doesn’t. We analyzed several plans, our findings are below

    Best Medicare Supplemental Insurance

    Information About Supplemental Insurance

    An important note: in order to get supplemental insurance, you must have both Medicare Part A and Medicare Part B. Part A covers inpatient, and Part B covers outpatient care. Another factor to consider is Supplemental insurance only covers one person. Additionally, as long as you’re paying your premiums, Medicare supplemental  insurance can’t drop you, no matter what medical issues you may begin to suffer from.

    Supplemental insurance may not always cover everything Medicare misses.  Supplemental insurance is not going to cover all expenses. Things like vision, dental, prescriptions, long term care and private nursing are also not typically covered. Finally,  supplemental insurance must be acquired within the first sixth months of you turning 65 and you must already be on Medicare to qualify.

    United Healthcare Insurance Company

    The United Healthcare Insurance Company is endorsed by the AARP. This company offers a great deal of benefits for those on Medicare. In 2019 they had a 94% satisfaction rate amongst users. They also offer coverage that can be combined with a Medicare Part D plan. Those with this policy can visit any doctor that accepts Medicare! United Healthcare allows you to choose from a wide variety of plans, coverage, deductibles and benefits so you have coverage to fit your health needs and your financial situation.

    State Farm

    State Farm is another option for supplemental insurance. State Farm Medicare Supplement Insurance is designed to cover the gaps in Medicare, helping to pay deductibles, co-insurance and co-payment amounts not covered by Medicare. State Farm also provides you the flexibility to choose between different plans to meet your individual needs and budget. They are a well-respected agency and are renowned for their high customer satisfaction ratings “Like a Good Neighbor, State Farm is There” tagline is very true. State Farm insurance might be able to cover hospital or medical services your Medicare won’t pay for as well.

    Humana

    Humana offers Medicare supplemental insurance that covers Medicare Part A and B. Humana’s policy covers coinsurance for medical expenses, co pays, hospice care and hospitalization, skilled nursing facility care, and blood work. Additionally, the Humana plan also covers copayments for outpatient services. Remember, this is in addition to your Medicare coverage, so getting this extra coverage could save you a lot of money when you have expensive outpatient services. Particularly if you have frequent doctor’s visits, you may find yourself saving a ton with this supplementary policy.


  • Need a Divorce? Save BIG With These Tips

    Need a Divorce? Save BIG With These Tips

    The first decision is the hardest. You and your partner have decided to get a divorce. There are now a multitude of important life-defining decisions to be made. You don’t want to rely on a simple Google search and luck to find your lawyer. Your divorce attorney is going to handle multiple components of your divorce. They’re going to act as your advisor, spokesperson, negotiator and trusted confidant. They are going to be the person you rely on the most to advise you of your rights and the best course of action in your divorce.

    Start with research

    A simple google search is a great place to start. But nothing replaces a real face to face meeting. You want to be able to get a feel for the person and not rely on the opinions of others. Your gut instincts are more reliable than you might think. If the lawyer doesn’t advertise how long they’ve been practicing divorce law, that’s a good sign that they’re not very experienced.

    Find a good fit

    It’s nearly impossible to tell if a lawyer’s disposition matches what you’re looking for from a web search. Before deciding, you should think about what you want from them. Do you want a lawyer who’s empathetic to your plight? Do you want a lawyer who will be extremely aggressive in fighting for you? Do you want a lawyer who understands both sides and finds it important to have a cordial resolution? Do you want a law office with deep resources that can untangle a complicated situation?

    Talk to friends

    Some people prefer to keep their divorce a completely private matter. However, asking friends who’ve gone through a divorce for advice can be very beneficial. It’s important to remember that everyone’s experience and desired outcomes are different during a divorce.

    Knowing the right questions

    finally, when you sit down to interview lawyers to represent you, make sure to have in-depth questions ready. You should already have answers concerning their background. Typical questions like, “How many cases have you won,” aren’t particularly pertinent in a divorce case.

    Ask things like:

    How do you view the division of assets?

    What do you find the most challenging part of the divorce?

    What do you view as the best possible outcome for my specific situation?

    Communication is key

    You want a lawyer that makes you feel like you’re a priority. If your prospective lawyer is difficult to get ahold of early in the decision process that’s a strong indicator that you may want to look elsewhere. Your lawyer is not going to magically become more responsive once they have your money.

    Attention to detail

    Whenever you’ve made the decision to hire your lawyer make sure to pay special attention to your contract. Many lawyers will have minimum fees that’ll be charged for services even if you don’t take advantage of them. So, take out that red pen and come to an agreement about specific fees before you sign your name on the dotted line. Never be afraid to ask questions about certain parts of their contract.


  • 5 Smart Devices to Improve Your Golf Game

    5 Smart Devices to Improve Your Golf Game

    The Players Championship starts today, so what better time to take a look at all the smart toys out there to improve your golf game. Smart devices are everywhere and in everything, golf just seems a natural fit. We are always looking to drop our score and an edge up and we need the data to do this. Well these 5 devices will have you the envy of your club house and playing like a pro.

     

    1. Cobra’s “first connected golf club.”

    The $349 King F7 Driver pairs the club with a smartphone app that allows you to track your game via GPS. Beyond that, the club features three different centers of gravity, allowing you three different potential approaches and flight paths. Say that again, yes it is Equipped with 3 Center of Gravity settings for maximum distance.It features an Arccos sensor seamlessly integrated into the grip to automatically record each drive, providing real-time stats for distance and accuracy. Not to mention it is one of the baddest drives out there even with out the connect.

     

    2. GolfBoard

    This electric-powered vehicle, which evokes a skateboard or snowboard, replaces a golf cart and promises to literally speed up your round of golf. Recently it’s gone from something vaguely futuristic to something you can find at more than 300 courses worldwide. You can even buy your own. Prices start at $6,500 for the standard model that motors up to 10 mph. Yes it looks like fun, and yes it will provide endless hours of youtube fail videos.

     

     

     

    3. FX-Sport VC Golf headphones

    FX-Sport specializes in wireless sport headphones. Its new VC Golf model is called “the first psychological coaching device for golf.” On it, you can access hours of soothing, sage words from golf gurus — they get in your head so you don’t lose yours. It’s listed at $199. The Headphones are preloaded with many hours’ worth of psychological coaching, mental preparation, practice drills and workouts, from world class golf psychologists, coaches and trainers. All practice drills have a strong emphasis on the psychological. Advice on how to focus, what to focus on and what to do when things are not progressing as you would like. I wish I could change the voice to Ty Webb. Be the ball Danny!

     

     

     

     

    4. TLink GPS Golf Watch

    Wearable golf tech that displays instant yardage ⏤ the distance to the back, middle, and front of the green ⏤ on 40,000+ courses worldwide. Simply open up the GPS app on your smartphone, connect TLink with your phone. Never worry about what club to use, you have the data right there.

     

     

     

    5. SetupEye

    Im pretty sure this was frowned upon in Caddyshack 2 but If your alignment is off, then you aren’t going to come anywhere close to firing on target. SetupEye uses lasers and “target lock technology” to help golfers take dead aim with absolute confidence. Simply lock onto the flag or your chosen target through the viewfinder, press the button, and place the device on the ground between you and your golf ball. From there, just follow the shooting green lightsaber as it points the way.

     

    The Final Thought

    You got the ultimate club to track your swing from your drives, the watch to tell you exactly how far to the pin and a golf coach in your ear. You are navigating the course quickly and stylishly on your gold board and you have the target locked on the hole to nail this last putt, see you at the tavern for a beer you golf pro.


  • Tips for Signing up for Life Insurance

    Tips for Signing up for Life Insurance

    If you’ve been looking into life insurance, it can be a complex and daunting field! Whether you’re worried about your spouse, children or even grandchildren, life insurance is a great thing to have. You never want it to come up, but someday your family will need it!

    Tips for Signing up for Life Insurance

    Visit Your Doctor

    The first thing you’ll want to do before signing up for life insurance is head by the doctor for a quick check-in. This is doubly true if you used to smoke but don’t anymore. Similarly, if you were overweight but have lost weight since your last check-up, you’ll want this reflected in your records.  That said, this is a good practice anyway: checking in with your doctor regularly is important, regardless of whether you’re looking to get life insurance soon!

    Buy Layered Coverage

    You probably don’t need one gigantic policy. You can save yourself some money by layering your coverage and buying coverage for different lengths of time and with different criteria. While this might sound complex, it’s not too hard to accomplish. You simply see what your life insurance needs are and figure out how much coverage you need. Then, take out individual policies that offer the coverage you need! That way, you’re getting more coverage for less! That’s the definition of a win-win.

    Volunteer No Unneeded Information

    While it can be tempting to simply offer up all of your info unbidden, it’s best not to. When it comes to life insurance, you should only tell the insurance company the information that they ask for. A lot of times, you’ll be penalized for information like whether either of your parents died of cancer. However, some applications will only ask about things like heart disease. It’s okay to simply answer the questions they ask, and not offer any elaboration unless they specifically request it.

    This might seem a bit counterintuitive: after all, no one wants to be dishonest. However, it’s not dishonesty if the insurance company doesn’t ask about it. Simply offer them the information they’ve asked for and you’ll make things much simpler for yourself!

    Whether to Have an Exam

    We highly recommended getting a policy that has an exam if you’re healthy. This is where that doctor’s visit from earlier comes in handy: if your doctor gave you a clean bill of health, you can save some serious money with an exam policy. The policies that don’t have exams can be anywhere from three to six times more expensive than those that do! Don’t spend money you don’t need to, if you’re healthy, go with the exam!

    If you’re not in terribly great health, however, it might be less expensive to get a no-exam policy. However, you should discuss with your doctor any health issues that you think are affecting you. We highly advise you talk to a knowledgeable independent insurance agent if you feel as though your application may be complicated by poor health.


  • New Year, New You! Time to Get in Shape: Peleton or Echelon?

    New Year, New You! Time to Get in Shape: Peleton or Echelon?

    Have you been missing the gym? If you’re playing it safe and working out at home, the Echelon or the Peleton spin bike may be for you.

    Owning a spin bike is a great alternative to the gym, and the Echelon offers live spin classes via their app to make your workout exciting and strenuous. Spinning is relatively low impact on your body, but gives a high intensity workout. Here are the pros and cons of owning an Echelon vs. Peleton.

    Echelon Pros: 

    🙂 It costs less than 1/2 of the price of a Peleton

    🙂 It has 32 levels of resistance

    🙂 It is smaller and weighs less than a Peleton

    🙂 It has 2-sided pedals so that you can switch between a SPD pedal or a shoe with a cage

    🙂 It has a very quiet flywheel

    🙂 The design is sleek and ergonomic

    Echelon Cons: 

    🙁 The flywheel is at the rear of the bike and may be a hazard for small kids

    🙁 It does not come assembled, additional fee is required for assembly

    🙁 Instructors for the live classes aren’t as high caliber versus Peleton

    🙁 It does not have a built in screen

    Peleton Pros:

    🙂 22″HD built-in display for the app

    🙂 App is more user friendly

    🙂 Live classes are more popular vs. Echelon

    🙂 It is delivered and assembled in your home

    🙂 Features a smoother and more advanced resistance system vs. Echelon

    🙂 Pedals are designed for cycling shoes

    Peleton Cons:

    🙁 The price is DOUBLE the price of the Echelon

    🙁 It is slightly heavier vs. Echelon

    🙁 It uses a belt drive system, which can deteriorate over time

    The Bottom line:

    If you can afford it, you’re not going to go wrong with a Peleton. But if you are more price conscious- the Echelon is for you. Both deliver a fantastic workout and you’ll be saving money in the long run versus most gyms.

     


  • Young at Heart? ❤️ Tired of ‘Hook-Up’ Dating Sites?

    Young at Heart? ❤️ Tired of ‘Hook-Up’ Dating Sites?

    If you are young at heart, but finding that the leading dating apps don’t have the right matches for you, you may have concluded that there aren’t too many great options. It seems like the leading apps are mostly geared towards young adults trying to just hook up. Where are the apps for adults who are actually trying to date? Well, we have good news. We’ve got a roundup of the best dating apps for people who are serious about dating!

    Stitch

    Do you like to meet people based on what you have in common? Are you a fan of dates that involve activities like going to a coffee shop or going to a concert? You might like to try Stitch. The best part is, Stitch is a great place to find anything from a new friend to a new relationship!

    Stitch is an app that focuses on connecting users over 50 based on their shared interests. Travel is a big one, and the app even helps find discounted rates on rooms! You can connect with people over any interest, though, including music, movies, and taste in food. There is a free version of the app, but you can also opt for a premium paid membership. The paid version costs $80 per month, but gives you access to calling other members, direct messaging and community features. If you’re looking to connect with someone over mutual interests and shared activities, try Stitch!

    OurTime.com

    Our Time is a great site for those over 50 looking for a relationship. The site actually boasts a higher ratio of women than men, which is a welcome change from most dating sites. The site also has an iPhone and Android app that offer Tinder-like swiping! 

    You can get a paid subscription, but the free version allows for viewing profiles and matches. You also can see who views your profile for free! The paid subscription allows for seeing when your messages are read and highlighting your profile in searches. You can even see who’s interested in you! Our Time is worth checking out if you’re looking for a relationship.

    Plenty of Fish

    Popular dating app Plenty of Fish gets a nod for just how many people use it. The name of the site is actually quite accurate! If you don’t mind filtering through a large number of people to try to find good matches, Plenty of Fish can be great. The best part is, the wide user base means you’re bound to find someone you connect with!

    The site does a good job matching you with people you’re looking for thanks to its algorithms. If you tell it you want to meet people your own age, it can filter for that! That way you’re sure to meet people who are at the same place in life as you, leading to more genuine connections.

    Senior People Meet<

    This popular app has a very large user base and intuitive interface. If you’ve used Tinder, you know what to expect! You swipe left or right on profiles based on whether or not you’re attracted to the person based on their profile. The focus, however, is on senior people, as the name suggests. With this app, you can be certain that your matches will be people your own age, not kids! This makes it an excellent alternative dating app to Tinder for older users. 

    That said, it does hide a number of features behind a paywall. Seeing who is interested in you, who has read your messages, and being able to send and receive email is all behind a monthly subscription. That said, messaging and viewing profiles is free, as is seeing who likes your profile. If you’re in for a Tinder-like experience with mature adults, check out this app!

    Our Favorite Dating App: OK Cupid

    You’ve likely heard of OK Cupid. It has millions of users and an in-depth question and answer section. The questions help to filter your matches to people who have compatible personalities and values, which is great! The site also has some great features for paid subscribers, like seeing who likes your profile, disabling ads and using advanced search functions. 

    OK Cupid is great because it focuses on who you are, not just how you look. Other dating apps can be quite superficial, but OK Cupid is not that way at all! It’s an excellent choice for older people looking for a more thoughtful dating app. The iPhone and Android apps both have great ratings for their usefulness and design. OK Cupid comes highly recommended!


  • It’s 2021! Time for a New Mattress?

    It’s 2021! Time for a New Mattress?

    Everything circles back around to sleep. If you’re not sleeping well, everything else slips into being worse. Your physical well-being, your mood, everything. It all comes back to whether you’re sleeping well. With that in mind, today we’re looking at mattresses to find which is the best mattress.

    If you’ve been looking to find a good new mattress, this is the article for you. Today we answer the question: which is the best mattress?

    Hybrids

    Constructed from a combination of latex, memory, polyurethane foams, coils, and / or other materials, these mattresses usually are designed to maximize certain benefits, while also minimizing certain cons. For example, a latex + memory foam hybrid is able to deliver great bounce, cooling, and responsiveness via the latex, but also provide great pressure relief and support from the memory foam.

    Best for: Sleepers who want the best of all worlds. Great bounce, support, comfort, and cooling. A good all around option that is a very good choice for the majority of sleepers.

    Memory Foam
    Just like it sounds, these mattresses only consist of memory foam. Memory foam mattresses are known for their great support, pressure relief, and body contouring. Historically, memory foam has had a bad reputation as “sleeping hot”. However, many newer more advanced memory foams have been designed with superior cooling properties, creating a much cooler mattress than traditional memory foams.

    Best For: Sleepers who want great hug, body shaping, contour, pressure relief, and support. There is a wide spectrum of foams classified as “memory foam” and not all memory foams are created equal. A good option for sleepers who want a more pronounced hug than many hybrid or latex mattresses offer.

    Coils
    One of the most popular and widely used mattress types. Coil (aka innerspring) mattresses have one or more layers of spring coils (generally steel) that provide the support and comfort. As technology advances, the number, types, and layers of coils change. A larger number of coils typically means better comfort and support.

    Best For: Sleepers who want a more traditional coil / spring feel, great bounce, cooling, and strong edge support.

    Pillow-top

    Falling into an array of categories (coil, latex, memory, hybrid, etc.), pillow-top mattresses have a layer of soft material either stuffed or sewn into the cover. This works to add extra comfort and cushion for the sleeper.

    Best For: Sleepers who prefer a softer and more cushion comfort. If you enjoy a cloud-like type of support and comfort most pillow tops will offer the best sleeping surface for you.

    Contenders for Best Mattress

    #3. Purple
    Purple mattresses are luxurious and excellent. If you’re a fan of memory foam-style mattresses, you’ll love purple. The Purple Mattress has Smart Comfort Grid technology that keeps pressure on your body to a minimum. This ensures you awake comfortable and well-rested! If you find you often awake with painful pressure points from your mattress, this is for you. This mattress retails for $999, but you can often find it on sale for less. Purple’s website often has sales, as does Amazon!

    Also, a plus for Purple is their return policy. If you don’t love the mattress, you can send it back within 100 days for a full refund. These mattresses are made in the US, and they’re also covered by a ten-year warranty.

    #2. Sleep Number
    Sleep Number is well-known for their unique, adjustable design. If you’re not familiar with them, it works like this: each bed has a controller that allows you to choose a number. That number, your Sleep Number, represents how soft or firm you prefer your bed to be. The best part is, Sleep Number also offers beds that can be adjusted on both sides. That means if you prefer firm and your partner prefers soft, you can get the best of both worlds!

    You can also adjust the angle of the bed, allowing you to choose your preferred sleeping posture. You can even adjust the bed enough to watch TV or read while in bed! These mattresses are in the under-$1000 range, usually coming in between $700 and $900.

    #1. Saatva
    Saatva mattresses are made from all-natural, organic cotton. They also offer mattresses for $999 and offer a great set-up bonus. The cost of a mattress includes free delivery, setup and removal of your old mattress. Talk about full-service! Saatva mattresses are made in the US and Canada, meaning you know you’ll get quality construction.