$141.20 Giveaway – Community and Charity 10% Monthly Blog Income Give Back # 5 – February 2012 Edition

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The 10% give back giveaway fun rolls on for the month of February! 


In case you missed the first (October)second (November)third (December), and fourth (January) 10% Blog Income Give Back, after doing some thinking at the beginning of October 2011 about what direction I want this blog to grow and evolve towards in the future, I decided that any income made from this blog would have more significance to me at a personal life values level if I knew that a portion were being given back to the following places:

  • 1) The readers – Obviously, without you here to read my articles and interact with my ideas, there would be no blog in the first place (let alone blog income). As such, it is only fitting that you receive a portion of any blog income.
  • 2) Charitable organizations – If you’ve read my blog before, you know that I’m a big believer in donating a portion of my money to charity. Each year, I donate between 5-10% of my income to the National Multiple Sclerosis Society as part of the Bike for MS fundraiser that I do. Beyond the good that is done by donating your money, getting used to contributing to charity is also a good practice to emulate the actions of affluent individuals (T. Harv Eker discusses this in his book, Secrets of the Millionaire Mind, which I would definitely recommend reading if you have a few hours).

Because of these considerations, I’ve decided that each month going forward, I’m going to give away 10% of my net (after-tax) blogging income/profit to My Personal Finance Journey readers (5%) and to charity (5%). Listed below is how the process will work:

  • After each calendar month passes, I’ll tally up my net blog income and determine what Dollar value correlates to 10%.
  • I’ll post the giveaway (similar to this post you’re reading now), and you’ll have approximately 2-3+ weeks to enter.
  • Once the giveaway is over, a grand prize winner will be announced, and that winner will then select what charity they’d like to have 5% of my blog income sent to. Once the giveaway entry window ends, I’ll send out the money to the blog reader winner(s) and personally drop off the charity donation.  
  • So far, I’ve been very happy with the success of the OctoberNovember, and December 2011, and the January 2012 10% income give backs.
    • In October, $205 total was given away, with $100 being donated to the charity, GreenPeace.
    • In November, $201.40 total was given away, with $100 being donated to the charity, The Blue Ridge Area Food Bank. If you’re interested, you can view the details of me going to drop off the check at the Food Bank by clicking here.
    • In December, $74.52 total was given away, with $38 given to Big Brothers Big Sisters of Central Blue Ridge. You can view the details of the donation drop by clicking here.
    • In January, $196 total was given away, with $96 given to the Sexual Assault Resource Agency. You can view the details of the donation drop by clicking here.

So, that’s the overall flow of things and a brief recap of what’s happened so far with the give back initiative. Now, let’s get in to the specific details for this month’s (February 2012) giveaway. 

Details of February 2012 10% Blog Income Giveaway
  • $141.20 total blog income to give away - $71.20 to a My Personal Finance Journey reader and $70 to the charity selected by the giveaway grand prize winner (see bullet point below for additional details on how the charity selection will work this month).
    • $71.20 in the form of one prize available to one reader as follows – 
      • 1) Grand Prize = $71.20 Amazon Gift Card or $71.20 cash via PayPal.
  • The personal finance topic I want to place in the spotlight for discussion in the giveaway comments this month is if and/or how people are carrying health insurance coverage these days
    • Recently, I wrote a post about the  various options for obtaining health insurance coverage aimed at helping the millions of Americans who are having trouble affording regular health insurance, but yet do not make a small enough income to qualify for federal assistance programs for families below the “official” poverty level. This post was inspired by me hearing about several of my own friends who are facing this very dilemma, and I felt very strongly about trying to help figure out what options they had available.  
    • As such, I’m requesting that entrants leave a comment below this post about either #1 or #2 listed below:
      • 1) If you currently have health insurance coverage, what type of coverage do you have/where is it provided from (independent plan, employer plan, etc), and whether or not it is affordable.
      • 2) If you do not currently have health insurance, what are your barriers from obtaining it? What options have you looked in to for getting coverage that either worked or didn’t work?
  • Because of the success experienced in the November-January give backs with building relationships with local charitable organizations, I’ve decided that for February, we’ll keep how we select the charity that receives the 5% blog income donation the same as last month. Continue reading below for more details:
    • Instead of having each entrant specify any charity in the world, the goal for this month will be for My Personal Finance Journey to develop a relationship with one of the 7 charities listed below. The Grand Prize winner will select which of these 7 organizations receives the donation on behalf of the blog.
    • All of these charities were selected because 1) they are high quality organizations who do very good things and 2) they all have a significant presence/office in the area in which I live and operate this website (Central Virginia). 
    • I have contacted the local offices of these organizations and told them that they are part of the 10% blog income give back in February. After the Grand Prize winner is selected and the selected charity announced, I hope to be able to visit the local office of the organization, meet their staff, and present them with the money personally.
    • It’s been very fulfilling developing a relationship with the local chapter of the National Multiple Sclerosis Society through the MS150 fundraising bike ride I do each year, and I’m hoping that this experience will be just as awesome! I look forward to seeing which organization is selected.

How to Enter the Giveaway – Deadline to Enter is Midnight, February 29th, 2012


Like last month, I’ve decided to use the RaffleCopter giveaway management tool to handle sign-up facilitation for the February giveaway, so simply go through the steps listed in the widget below to enter the running for the prize and accumulate entry points.

There is no limit to the amount of points you can earn. If you refer 10 subscribers – your name will have accumulated 170 entry points! Or, if you link to the giveaway more than once, you can accumulate those 7 entry points multiple times. You can also retweet the giveaway and/or share other My Personal Finance Journey articles via social media sites once per day. In the event of a tie, I will be using a random number generator to select the winner.

Important instructions: After you complete an entry method, make sure to click and fill out the “I Did This” or “Enter” button in the widget so that I have a record of your points.

a Rafflecopter giveaway
<a href=”http://rafl.es/enable-js”>You need javascript enabled to see this giveaway</a>.

Remember, the deadline for entries will end at midnight on February 29th, 2012 (a little over 3 weeks from today – the start of the give back). Good luck to you all! Please contact me if you have any questions. After the deadline for entries passes, the winner (one with the most points accumulated) will be contacted via email to receive their prize and select this month’s charity organization for the donation.

    ***Photo courtesy of http://www.flickr.com/photos/westbaltimoresquares/5680315829/sizes/l/in/photostream/

    Comments

    1. Very cool giveaway, really great that you are giving to a charity out of it.

    2. MLISunderstanding says:

      I have health insurance through my employer, and during open enrollment last December, I opted to go with a high-deductible plan (HDHP). This works for me in a couple of ways: I get more money from my paycheck (paying $0 premium), and then I put away about the amount I WOULD have paid in premiums for a standard plan. I use a Health Savings Account (HSA), which is like a “medical IRA” — I can use the funds only for eligible expenses, but I get to keep them forever (instead of “use it or lose it” Flexible Spending Accounts), and they earn interest. My employer also generously contributes $23/paycheck — so that's free money!

      It does mean that I would need to pay my medical expenses out of pocket up to the deductible ($1500). In most years I don't spend nearly that much on medical expenses (but I did spend a lot paying health insurance premiums!), but in the event of a major catastrophe or emergency room trip, I'm covered after that $1500 is reached. In the (extensive and convenient for me) network, I'm covered 100% for those expenses; if they're out-of-network services, only 70% — but the maximum I can pay out of pocket in a year is $5000.

      In previous years, I didn't have enough cash in an emergency fund to cover that high deductible
      (nor did my employer offer the HDHP, and I didn't know about the option until I read about it in a personal finance blog last fall). If I'd had to pay out of pocket, I would have been stuck (or possibly paying interest on a credit card). Now that I have a cushion, I can afford to take the risk of having a large medical expense this year, while I save up in the HSA for later years when I definitely WILL have higher medical costs.

    3. This is such a great way to give back to the community. Very inspirational.
      My recent post Week In Review – Viral Video, Photography & Alexa Ranking Under 200K

    4. I have health insurance through my firm. It's not very affordable but fortunately, it's subsidized to some extent by my employer. The insurance is provided by United Health and carries $20 co-pay for Dr's visit.

      thanks!

    5. Adrienne gordon says:

      I have emergency/hospital insurance only

    6. We have Cigna for our family, medical only, no dental or eye coverage yet. It would be very expensive but hubby's company has an awesome wellness program that covers all your premiums if you participate. We both have to report our weight and blood pressure weekly, do some online relaxation sessions, and use a pedometer. A small price to pay for free health insurance!!

    7. Joanne Schultz says:

      I was laid off from work, and my COBRA coverage is now gone. I've been meaning to look into catastrophic insurance that would cover any major health problems, but with so little income I'm sure I can't afford it, so I keep stalling!

    8. We have health insurance provided through my husband's place of employment. It is expensive and covers very little. The copays and deductibles are very high.

    9. April Brenay says:

      Our family has government insurance, my husband is active duty army. As long as we use the doctors they say to use its 100% covered.

    10. Very cool giveaway! Awesome that you are able to help out many charities!
      My recent post One Year Blog Anniversary Giveaway, over $1100 in prizes!

    11. We are self employed so buy our own health insurance (Expensive) but participate in a Health savings account

    12. Margaret Smith says:

      We're fortunate to have coverage through my husbands work. We only have to pay a copay when we go in network, which we try to do as often as possible. The only negative is that a number of the better doctors are out of network, so if we do need to use those services, we need to pay a large amount.

    13. Rita Sheppard says:

      We have Cigna insurance through my employer. The insurance costs less than if I purchased it myself.

    14. My family is covered by my employer's group policy. Since our company is relatively small, our deductible and out-of-pocket is rather high (more than $10k) when you factor in how much we have to pay every other week.

      With that being said, last year, even after paying our premiums, deductibles, and OOP, we still ended up paying less than we would have without insurance.
      My recent post Joining the Yakezie Challenge

    15. I have 100% paid health insurance through my work. If I had to pay for it myself, I would get the cheapest one possible!

    16. My employer provides my insurance, and I only pay about $15 a month towards it myself. I'm not sure if it's great coverage, but I don't have many health problems so I'm most happy that it's cheap for me.
      My recent post Wealthy, Successful Bloggers: Don’t Simply Follow Their Frugal Advice

    17. The College Investor says:

      I have health insurance through my employer. I go with their HMO, even though this year there have been some massive changes to the plans offered. For example, my employer completely eliminated PPO plans, and instead went with HRA plans. Plus, most rates went up, and the coverage went down. It is disappointing but still cheaper than private health insurance.
      My recent post Can Debt Hurt a Relationship?

    18. WE have employment plan and everything isnt covered, it gets quite costly especially with one family member who always needs care/attention

    19. darlene bohannon says:

      i have health insurance through medicare, for a while i only had medicaid,which really is better. there are some medical institutes that will only give you services if you have medicaid.some of them do not take medicare as your primary insurance. i had to change some of my doctors that i was going to.plus my perscription co-pays are more now. most of them were free when i had just medicaid. i am thankful thou.i know a lot of people are struggling.

    20. I just recently left my job where I had insurance through Anthem. I'm currently in the process or researching options for purchasing insurance on my own. It will be much more expensive this way so I'm trying to take the time to get the best coverage for what I can afford.
      My recent post Why I have abandoned so many blogs

    21. I have an employer plan that covers my husband and myself and it is very affordable. I am very happy with my healthcare.
      My recent post On half-marathons, cable alternatives, being a girly-girl, and links

    22. Susan Smith says:

      We have insurance covered by my husbands employer. We chose the HMO plan and pay a copay when we see the doctor.

    23. I purchase my own health insurance as I'm self employed. I don't think it's particularly affordable, particularly since it goes up significantly every year (Blue Cross/Anthem) and those increases are often disputed as being too much (by state, etc)

    24. Love the giveaway idea. This great to see you taking your earning and giving 10% back to different charities and organization.
      My recent post 8 Basic facets of business management

    25. I have health insurance through my husband's employer. It's fairly affordable, but we have to pay a good bit out of pocket.

    26. kyl neusch says:

      employer plan, affordable

    27. i have insurance through my husband’s plan and it is very affordable – but we are pretty healthy.

    28. we do have health insurance through my husbands employer. free eye and dental included. it's great!

    29. I recently had to quit my job to go to school, so i lost all my insurance through my previous employer. I've looked into insurance coverage at the college, but i already passed the deadline

    30. I have MIA insurace through the county and I am trying to get Medicaid through SSDI

    31. Tari Lawson says:

      We have HMO through work. It is very affordable.

    32. Danielle S says:

      I currently have health insurance through my dad's plan. I'm 23 and covered until I'm 26, which I feel really thankful for. I am not sure how much my family pays for our plan, though.

      dhsauers(at)gmail.com

    33. I have aetna with a ppo plan. I have it through my employer and it is pretty affordable.

    34. We just switched to a new health insurance through my husband's employer. It's pretty expensive considering we're a single income family. We just welcomed our 2nd child and the cost skyrocketed. Our copay went up as well as total out of pocket. Fortunately the hospital costs for the birth were covered by our old insurance. However, at the end of the day we're looking at a HUGE deduction from the paycheck.

    35. Dude, I'm so impressed by your consistent earning and subsequent generosity. Hope it continues to get bigger and better for you!
      My recent post A Winners Guide To Buying on eBay

    36. We have a PPO plan through my husband's work, and it is affordable coverage, but the bills that we receive from what they DON'T cover anymore are not. They changed our plan last year so that we don't have a copay now, but a deductible and it is killing us. I took my daughter in for a well-child yearly checkup with 2 immunizations and we got a bill for almost $400. It is madness!

    37. I have no health insurance. I try to eat healthy and stay well. Self-treat with natural over the counter remedies.
      jslbrown_03(at)yahoo(dot)com

    38. Hey Jacob!

      It's really neat that you're doing this. My insurance is from my hubby's employer. It's pretty affordable, but we also have a higher deductible because we are younger and don't go to the doctor often. We make sure to have our max out of pocket in our emergency savings at all times though!

      Humbly Yours,
      The Mayor
      My recent post Cheap Valentine’s Day: Intelligent or Insulting?

    39. Wow,

      This is a really cool idea! Great job on including your community into all of this.

      For me, my health insurance is provided through my employer, and I find it to be reasonable in price. I've looked at the prices of insurance that isn't subsidized and it is insanely expensive. I can definitely feel for the people that get squeezed in the middle. My younger sister is one of those people.

      Thanks,
      Timothy
      My recent post Small Business Ideas

    40. espacularaiesa1 says:

      I am on medicare and have humana for drug coverage

    41. what a unique giveaway!! love it!

    42. xomendyrox says:

      we do have health insurance through my employer. i can't imagine life without it. it's not the cheapest payroll deduction, but it sure pays off in the end.

    43. For the next two years I will have insurance. After that I will need to find 'affordable' insurance.

    44. Janna Johnson says:

      I have insurance through my employeer which is the state of ohio. It is expensive, but not terrible. It covers alot although our coverage did change for the worse at the beginning of the year. We now have a deductable.
      Fab giveaway! thanks again! Janna Johnson
      jannajanna@hotmail.com
      janna @ feedyourpig on gfc

    45. I have free insurance through my work, it's great!
      My recent post How I plan on upping our curb appeal

    46. Sustainable PF says:

      We live in Canada so we have great basic health care. Our work covers 100% of our additional eye care, dental, orthotics and much more.

    47. We have a high deductible plan through my wife's employer. After incentives, we pay $30/month, plus an additional $20/month for vision and dental. The only problem is, the deductible is higher than we can afford to put towards the HSA, so we still can't afford to go to the doctor.

    48. My husband pays a small amount of money ($80 a month I think) through his work for our health insurance. We get medical, dental, and vision. I went to the dentist so many times that it really payed for itself. We do have co-payments and all of that but it costs us much less than being uninsured.

    49. KNS_Financial says:

      We have insurance through my employer (a public research university). It only costs 1.5% of my gross salary…the best plan and cost that I've had so far!
      My recent post Should We Get A Gym Membership?

    50. Hey – thanks for the giveaway! We have one going on too. Love the idea of giving back to readers!
      My recent post Why I Probably Won’t Retire

    51. I don't have health insurance as yet. I live in Australia and medical is free where I live, but I am looking into getting health insurance because it means if I needed surgery that was not deemed essential or life threatening I could get it done straight away instad of going on a wait list.

      What has stopped us getting it was my husband was unemployed and we couldn't afford it and since Dr's, hospitals and things are free where we live it is not such an issue as it is in the USA.
      My recent post How to save money on health care

    52. No insurance at this time due to not being able to afford it. I did look into getting insurance and what was affordable for me was not really insurance at all.

    53. Great giveaway and thanks for the chance of winning,great for charities too.

    54. My family has a high deductable HSA plan. I think we pay 400 a month for insurance + several hundred each month toward the HSA Savings.
      My recent post Have You Checked Your Credit Report Lately?

      • Nice! Sounds like a good way to set things up these days. I sent you an email a couple of days ago about your financial coaching. I'm very curious to learn more about how you got in to that!
        My recent post What Are Your Options For Borrowing Money in Today's Economy?

    55. Wow – that is very inspiring that you give back 10% from the blog income. I really applaud you for doing that!!
      My recent post How to Create a Better Budget – Part 1

    56. I do not have health insurance and can not get it due to a pre-existing condition

    57. ANGEL JACKLYN says:

      I do NOT have health insurance at the moment. I haven't looked into a lot of companies, but I know Blue Cross charges at least $170 per person, & that's as cheap as they go. I don't have a job so I'd have to come up with finances elsewhere, which is already hard enough getting by. I've spoken with a few people about the issue, & they all agree Blue Care Blue Cross would be the way to go- IF I could afford it.

    58. We have a high deductible HSA through my husband's employer. Any money we dint use is ours to keep & invest. It is great because the high deductible keeps us from using it frivolously, as does the fact that the unused money is ours. Preventative care visits only require a copay…This is a great option fir a healthy family.

    59. Our plan is an employer-sponsored HMO. It is relatively affordable – in fact, this year the premium actually dropped by a few dollars.P

    60. I have an HSA employer plan for my health insurance.
      My recent post A Call for Hashtag Reform

    61. I don't have health insurance.. I guess because it's expensive and I rarely have any medical problems, so for now, it's alright. (hopefully, no emergencies of any sort!)

    62. I have a PPO plan through my employer. They pay the full premium for employee only coverage :)

    63. I have health insurance through my employer, and it's affordable for me. However if I couldn't get insurance through my own or my husband's employer, I'd have to pay pretty large premiums for basically just catastrophic coverage.
      My recent post The One Thing You Need to Start a Small Business

    64. We are using COBRA right now because I was laid off last November.

    65. Sarah Blake says:

      I do have health insurance but it's covered by my dad so I'm not sure how affordable it honestly is.

    66. I have medicaid right now. I don't pay anything for it, its through the state.

    67. I have blue cross through my husband's family plan. It is not very affordable in my opinion but our co-pays are 10 dollars should we need to see a doctor and our kids get their checkups. But of course tacking on a dental plan is more costly and it does not save us from co pays/ share of cost. Honestly, I think health plans that cost this much should somehow relieve the copays.

    68. we have health insurance because my husband works very hard in the military

    69. I have health insurance. It is through my employer. It could be more affordable, but my employer pays more than half of the monthly cost.
      My recent post A Heart Warming Project

    70. blackfreelancer says:

      I have health insurance through my school. It is extremely affordable ($245 for a year). The coverage isn't terribly expansive, but it's better than having nothing at all. I was incredibly grateful to have this coverage yesterday when I spent a few hours in the ER with a bladder infection (TMI, probably?) I think the max on this coverage if $50k per incident or something…I really need to be more informed…
      My recent post GIVEAWAY: Apple iPod Shuffle

    71. Medicare is my primary insurance, and I also have coverage as a government retiree through the federal health insurance benefit. It still isn't cheap, despite the fact that many people think that all government benefits come to us without our having to pay anything, but it is very good insurance coverage.

    72. i have free government insurance that covers health and generic drugs, I don't have many health issues, so seeing as how it's free, it's good.

    73. I have health insurance through my employer. We have to pay about 25% premium out of pocket.

    74. I have health insurance through my employer and I consider it affordable because my husband is also on it and since he has been in and out of work for the past five years due to the poor economy, it has been wonderful for us. My mom has a Cobra-like insurance from her former employer and just this year qualified for medicare so thankfully hers is relatively affordable as she has a lot of health issues. Good luck on your surgery next month mom!!

    75. I have health insurance through my employer (a health care organization). It's HMO based because that's what we do (really well) and includes vision, dental, etc. It's incredibly affordable because they give us money on top of our salary with which to purchase our benefits. I'm single, so the allotment is plenty.

    76. Reviewed this web site on Alexa: http://www.alexa.com/reviews/single/5170531. Name of reviewer: LisaLu
      jslbrown_03 at yahoo dot com

    77. barbara wright says:

      I have health insurance provided through my husband's job. It gets more expensive and covers less and less every year.

    78. I have health insurance through my spouse's company, and it's pretty affordable.

    79. I have health insurance through my job. They pay for a basic plan for the employee but you have the option to upgrade coverage by paying an additional amount. The insurance is Anthem. I feel lucky to have this insurance provided by my employer.

    80. i have health insurance through my husband's employer. it's okay but it's a bit pricey.

    81. I have a health insurance through my employer. It covers a wide varieties of procedures and consultations!

    82. I have Blue Cross from my work. It is very expensive :(

    83. We have health insurance through my husbands employer but we pay a fortune for it and it has a high deductible

    84. i have gap insurance thru tufts, affordable but lots of fine print

    85. I have health insurance through my employer. It is a Health Reimbursement Account health insurance. Very affordable.

    86. Hmm well I currently have insurance through my employer which is a high deductible plan. It's definately quite affordable, since mostly of my part of the premium is offset by employer contributions into my Health Savings Account. I suppose if I had to cover the full amount it'd be rather hard, I'd likelyshop around for cheaper total cost plans out there. But at the moment, there's just no incentive for me to search outside my employer's offerings since they offer such a large subsidy toward the cost.

    87. mistysunrise says:

      I dont have health insurance. I am unemployed, so I cant afford it

      itsjustme62613 at gmail.com

    88. Valerie Mabrey says:

      My hubby finally has a job that includes health insurance, What a great relief.
      vmkids3 at msn dot com

    89. Lisa Garner says:

      We do not currently have health insurance for myself or my husband because we own a small business and can't afford to pay out of pocket for health insurance.

    90. I love the fact that you're “giving back” to charities and the communitly alike.

      I have extended health coverage through my employer. All medical, dental and vision care is 100% covered up to a certain yearly limit (I've never come close to reaching the limit). Massages and therapists etc. are all covered too, but again, there's a yearly limit. My employer pays for the coverage… so as long as I'm employed I'm good =)

      Regular medical treatments like doctors visits, hospital visits etc. are all covered by OHIP (the provincial plan) – with no limit.
      My recent post We’re joining the Yakezie Challenge!

    91. huston smith says:

      I have blue cross blue shield through work as well as aflac. It's definitely cost effective

    92. Lisa Davis says:

      Medicaid due to disability. Very difficult to doctors that take Medicaid

    93. I'm on disability and get insurance through Medicare. But my co-pay for my RA medicine is $325. Ouch.
      Thanks for the contest.

    94. We do have insurance. It's provided by my hubby's work. It's very affordable for us since he's a supervisor. Before he became one it was almost $200 a week which is a huge chunk of money for us. Thank you!

    95. Sherrian Crumbley says:

      Great giveaway, your charitable giving is very inspiring!

      We are covered through my husband's employer, but the amount that we pay for our policy is about to rise significantly which will be quite an expense besides all the out of network costs that come up.
      My recent post Be Careful Of A New DEA Scam

    96. I have employer insurance through Aetna. I'm pretty fortunate because it's affordable and pretty good coverage.

    97. I do not have health insurance,and can not afford it either
      ardelong2(at)gmail(dot)com

    98. Breanne says:

      I have Tricare Prime through my husband's employer. But I'm not going to pretend I understand it!

    99. brian e. says:

      Thanks for the giveaway…insured through employer, rates have been increasing each year !

      senorpiero [at] yahoo [dot] com

    100. Jaque R. says:

      I do not have health insurance….I was laid off and was informed I could continue my health insurance for a small fee…$600 a month. Not in my budget. I have tried to get on the state health program but I am not living in a cardboard box so failed. I have checked into private insurance…not in my financial reach. :-(

    101. dagmara says:

      I have a health insurance tru my husband employers. It's affordable but it still seems expensive, we also pay a co-pay with each visit

    102. Michelle Tucker says:

      I currently have no health insurance. At this time I am not able to afford it. However, I do really need it. We've been looking into purchasing some, but it'll have to wait a couple more months.

    103. Thanks so much to everyone for participating and entering! The points have been tallied, and Angel J. is our official winner of either the Amazon gift card or Paypal money! Be on the lookout for the March 2012 give back event – on the way soon!
      My recent post The Permanent Portfolio by Harry Browne – Component Returns Correlation Analysis and My Future Plans

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