BEING A ‘NON-PLAYER’ NOT PRODUCTIVE

#Nonplayer #jobs #complainers “LaborMarket #employers #employees
A line from a Dilbert cartoon, by Scott Adams, says. “I’m a non-player character. I can only complain about my job and comment on the weather.”
The cartoon was published July 14, 2022, in The Atlanta Journal-Constitution.
The purpose of the line is to humorously illustrate how people think – or don’t think – at work.
People may complain about a job, but take no action to improve their situations.
In other words, “I’m here. I’m stuck. And I hate it!”
One may not be able to do much about the weather, but one can certainly do something about his or her work situation.
If you like WHERE you work, but don’t like WHAT you do, perhaps there are other jobs in that locale for which you can apply.
If you like WHAT you do, but don’t like WHERE you are doing it, you can look at other employers.
Today’s labor market is the best in decades. There are employers begging for help. Your options are probably greater than you imagine.
One should not feel he or she has to stay where he or she is, because there is nowhere else to go.
Employers in this market have to be creative to not only find the help they need, but also to keep the help they have.
This kind of labor market, plus disruptions in supply chains, oil markets, the food industry etc., coupled with post-pandemic pent-up demand for goods and services, are causing inflation today.
In the Dilbert cartoon, the question posed before the non-player statement was, “What do you think the government should do about inflation?”
The government has little control, and few available actions, to curb inflation. Politicians like to blame opponents for problems no one can really control single-handedly, but the reality is that foreign wars, pandemics and other phenomenon can dictate our terms of living.
Given how good the job market is, employees can be fortunate that they are getting raises that can help mitigate inflation, though most raises are not enough to make those employees feel significantly better off in these times.
Regardless of the uncontrollable problems in one’s life – the weather, inflation etc. – being a “non-player” and just complaining about things is not an option. YOU still have some control over your life. Work on the things you can control, and work around things you can’t.
Complaining and blaming are not strategies. You may not like someone or something, so you either improve your own situation, or move away from it.
Here’s hoping the labor market stays strong, inflation eases and storms are minimized.
Peter

IN JOB INTERVIEW, BE YOUR BEST SELF

#JobInterviews #BeYourBestSelf #jobs #employers #employees
Many theories abound about how to behave in a job interview.
The best advice is to not just be yourself, but be your best self.
If you try to be someone you aren’t, to try to impress the interviewer, that fakeness will show, either during the interview or after you are hired. Perhaps the worst thing one could do is to convince an interviewer that he or she is hiring someone he or she is not.
Therefore, be who you are. Be proud of who you are. And, tell the interviewer that you would be a great hire, just the way you are.
However, one should be conscious of some nervous habits one has, and try to control them. Nervous habits, though usually harmless with regard to job performance, can be a turn-off. That’s part of being your best self.
While being yourself in an interview, you also have to convince yourself that YOU would hire you, if you were the employer.
There’s a natural tendency to either dwell on our weaknesses, or to be overconfident in ourselves. Part of being your best self is to be confident, without being overconfident. It’s also to embrace one’s strengths, rather than be consumed by one’s weaknesses.
As you are being interviewed, don’t hesitate to interview the interviewer. Asking questions is not a sign of weakness. Questions can be empowering. After all, you want to be sure the job for which you are applying will suit you, as well as you suit the employer.
Also, don’t hesitate to ask for what you want. If the answer is no, then perhaps the job will not suit you. In this labor market, one should not be forced to take a job that will not work for him or her.
Also, be aware that no job, or situation, is perfect. When you evaluate it, try to figure out the potential for your growth. Sometimes, starting with something less than perfect can lead to bigger and better things down the road.
If you are allowed, take time after the interview to think about whether you want to take the job. Very likely, an employer will give some time, albeit not a lot of time, to think about it. The employer, too, usually wants time to think about whether to hire you. Be skeptical about situations that appear to be no-brainers. Sometimes, once you get in, such situations are not what they seemed during the interview.
If you get time to think about whether to take a job, it won’t hurt to talk to people you trust about your decision. Don’t necessarily rely on the advice of others, but use that advice to help you make an informed decision.
Some jobs can be temporary ports in a storm. If you feel that way about a job for which you are interviewing, don’t give that away. Very few employers – at least good ones – are looking for temporary hires. It’s OK to look at a job as a step toward something better down the road, even if it may not be with that specific employer. But, if you intend to work at a job for a time, and then leave, give it your all while you are there.
Part of being your best self is being secure, even confident, about who you are. You may be different from other candidates, but it’s incumbent on you to display how those differences will benefit the employer.
Be advised, also, that an interviewer may, for some reason, not like you. If you sense that, say thanks, but no thanks, to the job.
Today’s labor market is tight, but not necessarily easy to navigate. If you perform in an interview as your best self, you likely will not go wrong.
Peter

LABOR SHORTAGES TO AFFECT SUMMER VACATIONS, TRAVEL

#LaborShortages #SummerTravel #labor #jobs #workers #employers
Resorts, restaurants and other entertainment venues are reporting labor shortages.
These employers say the number of applicants for work at summer hot spots are down. They may not be able to fill the jobs they have available.
NBC News reported on this problem May 15, 2022.
There are a number of issues here. First, these jobs are usually seasonal. The ideal applicant is a college or a high school student out of school for the summer.
Why aren’t they applying? There could be a number of reasons, but suffice it to say that the workplace, in general, is changing.
Since the pandemic, workplace safety is a bigger concern than ever. These young folks may be more cautious about a job that involves interacting with a lot of people, particularly if they don’t know the vaccination status of those people. After all, they don’t want to get sick, or worse, over a job.
Also, many of these jobs, particularly in hospitality, don’t pay well. As employers of all stripes are fighting over fewer workers, perhaps these students may have found other, more lucrative and less stressful job options.
Thirdly, as much as kids want to hang at, say, a beach area for the summer, what are their housing options, and are they affordable? No one wants to spend everything they earn to eat and sleep near a resort workplace.
These labor shortages contribute to the inflation we all see. If employers have to pay more to attract workers, customers will have to pay more.
That goes for every link in the supply chain. If there are labor shortages at the end of the chain, there are probably labor problems throughout.
It’s great for the economy for workers to have options. As an employer, perhaps you have to make working for you a better option. You have to find the “sweet spot” that makes you, your employees and your customers happy. It’s a tough balance for some establishments, so one has to be creative to make it work.
If you are a worker, by all means evaluate any available option you have. Money is certainly important, but a work situation that fits your needs and that you like is critical. Otherwise, you will not be happy no matter how much they pay you.
For the first time in a long time, workers are in the driver’s seat in many instances. These workers, in general, are NOT sitting home collecting government checks. They want to work, but also want to be treated well, want to feel safe and secure and want to feel, for lack of a better term, at home.
It can be a tall order to create an ideal workplace. Certainly, some jobs or tasks will be no one’s favorite thing to do. But the employer has to make those burdensome, necessary jobs and tasks as rewarding as possible.
The old idea of ruling a workplace with an iron fist will not attract or retain the best workers.
You need rules, certainly, but you also need an atmosphere that workers want to be in and want to make even better.
You might be surprised to learn that you can create such a workplace without too much hardship. You just have to think, ask questions and learn what people want.
It never hurts to ask workers what they are looking for. The answers may yield simple solutions
Peter

WORKERS HARD TO FIND

#LaborShortage #workers #employers #GreatResignation #BetterJobs #entrepreneurs
Evidence suggests that jobs are easy to find, and workers are hard to find.
So writes Paul Krugman, a New York Times columnist and economist in a column also published April 10, 2022 in The Atlanta Journal-Constitution.
Krugman points out that experts, including himself, have been telling the “Great Resignation” tale, saying the pandemic has forced lots of Americans to rethink work, their jobs, child care, going back to unpleasant environments etc.
But he now points out that he has changed his mind, as new data evolve.
He says Americans are switching jobs, but going to better ones. They are not leaving the labor force in large numbers (and collecting government checks to stay home). Instead, they are going to different work.
One reason Krugman cites, attributing to economist Dean Baker, is many workers are becoming self-employed. They are gig workers, to use current parlance.
Employment figures, naturally, do not include the self-employed. “Reshuffling has involved Americans concluding that they could improve their lives by starting their own businesses,” Krugman writes.
The second reason is immigration, or lack thereof, according to Krugman. An immigration crackdown over the last several years, enhanced by the pandemic, resulted in fewer available workers. To boost the economy, Krugman says, “we should really try to reestablish our nation’s historic role as a destination for ambitious immigrants,” he writes.
In decades past, it has been argued that too much immigration takes jobs from Americans and lowers wages for U.S. workers. Today’s immigration argument, though often not voiced aloud, is that it’s less about jobs and wages and more about demographics and potential new voting patterns.
Because the employment numbers are so hidden, they blur the status of the economy. If employers can’t find workers, or have lost the ones they had prior to the pandemic, those employers should spend more time evaluating how to better attract or retain workers, rather than complain about labor shortages allegedly caused by current government policy.
Workers are out there, albeit fewer than there were prior to the pandemic. There are not a lot of eligible workers sitting home collecting checks. They are working on THEIR terms, performing services that they know how to do, for those willing to pay for them.
If employers believe that different government policy can force workers back to old ways, they will be very disappointed when it doesn’t happen.
If you (desperate employer) know someone who used to work for you, but is now in his or her own business, ask that person why he or she made such a move.
Very likely, they will tell you chapter and verse why. You may not like the answer. But, if you are wise, you will learn something from it.
Starting a business when you’ve always been an employee is a big step. Not everyone who does so will succeed. But, even if they don’t, they may never return to what they used to do, or where they used to do it.
Remember, too, that workers have more choices than they’ve had in years. Most will take advantage of better opportunities that are presented to them. Some will succeed as their own bosses. Wishing it were different, if you are an employer, will not make it so.
Peter

RETIRE ASAP? GO FOR IT!

#EarlyRetirement #retirement #jobs #work #time
Are you planning, or would you like to, retire early?
Most, probably, would say, “of course.”
Others don’t plan to retire, unless forced to.
Still others would insist on a definition of “early.”
Wes Moss, who writes a Money Matters column for The Atlanta Journal-Constitution, and has a same-titled radio show on WSB radio in Atlanta, gives five reasons to retire as soon as possible. He discussed them in his Oct. 10, 2021, column.
Moss’ five reasons: drive time, no love lost for your job, a roller-coaster schedule, a lack of recognition for what you do and being capped out in terms of financial advancement.
Let’s talk about each of these. First, commuting can be a bear. It takes time from your life as a whole, it adds stress to your body and it’s costly, in terms of fuel and wear-and-tear on your vehicle.
Moss also says that grueling commutes can cause stress in a marriage. According to one study, people who drive at least 45 minutes each way to work are 40 percent more likely to get a divorce, Moss writes.
Work-from-home, or remote-working trends inspired by the COVID-19 pandemic may change commuting patterns for the long term. If your employer is flexible in this area, you might decide to work longer. Think of having a beach house, or mountain cabin, from which you could work. Would that interest you?
Perhaps you don’t really love your job, or even like it, as Moss points out. Would working from home change that perception? If you are just grinding out a living at a job that, to be kind, doesn’t inspire you, Moss suggests perhaps finding a new way to parlay your skills by consulting, or starting your own business.
Remote-working options may alleviate another of Moss’ concerns – the roller-coaster schedule. Many people have jobs in which they have to be on site at specific times. Those times could vary from week to week, turning one’s body clock upside down. If you have one of those jobs, chances are you don’t like it. If you can get out sooner, you should.
Being recognized for your good work is also important. Your boss saying nice things about you and your work are fine, but you probably need more tangible rewards. If those are not forthcoming, maybe it’s time to go.
You may also be at the very end of the pay scale for your job category. If so, then ask yourself: am I just marking time for my pension? Or, especially if there is no pension, could I go somewhere else and advance financially? If you are at the top of your pay scale, you may be near retirement age anyway. If you can afford to retire, do it.
There are many things to learn ahead of “early” retirement regarding health insurance expenses and, more importantly, what you will do with your time.
You also have to study the likelihood, even though it’s tough to predict, whether one day you will come to work and be forcibly retired, or otherwise unemployed. Know that if this happens to you, you are not likely to be forewarned.
So, think about your situation, and do what is best for you. At the same time, realize that there are ways to escape bad work situations, if you need to.
In short, if you like your job, stay as long as they will have you. If you don’t like your job, stay open to other options. They are out there.
Peter

RETIREMENTS, RESIGNATONS AND THE LABOR SHORTAGE

#LaborShortage #retirement #resignations #BabyBoomGeneration
It was predicted years ago.
When the Baby Boom generation starts to retire in earnest, there will not be enough labor, given immigration restrictions and low birth rates.
Now, thanks to COVID-19, here we are.
Many folks 55 and older are leaving their jobs –“retiring” – whether they are ready or not.
Some, according to reports, had plans to work well beyond the “normal” retirement age. But the jobs became difficult, perhaps because clients and customers became more demanding (read: abusive).
The lesson for employers here, according to a LinkedIn thread, is to give those 55 and older a second look. They are generally reliable. They generally have a work ethic. Many of those who have retired did so before they were financially able.
Another lesson for employers might be to meet those older workers where they are. Making them work excessively long days for low pay will not do it for them. More flexible hours, better working conditions and decent pay may bring some of those workers back.
The workers, or potential workers, have to think outside the box as well. If your old job is not worth going back to, for whatever reason, but you still want to work, you may have to find something better – more suited to the life you want. That may involve doing something you may never have thought of doing.
A good tip might be: see who is hiring, find out what they want, determine whether they are willing to accept your experience and see whether they have something that will work for you. Many industries need help of all kinds. Perhaps you may be able to cobble together some part-time or entrepreneurial gigs to give you an income that will help you build for your eventual, comfortable retirement.
In the old days of work, older employees were forced out of jobs long before they were ready because of reorganizations , management changes, they made too much money etc. Few wanted to rehire them, because they felt they would not stay long enough because of their ages. Or, there was a perception that because of their vast experience, they would want too much money.
Companies are still reorganizing frequently – some would argue much too frequently. But the idea of having an employee stay in a job for many years has trended out. Therefore, buying a few years from an older worker might just help you out enough until, well, the next reorganization.
For the employee, it all comes down to starting a retirement fund as early in your career as possible. That will help cushion the unexpected blows that could crater your career path.
Like the financial markets, most career paths do not travel upward in straight lines. The same goes for workforce development.
The lesson here is that both employers and employees have to be flexible. A job you thought you would never do may be just the right thing in these circumstances. That person you’d never thought you would hire may be the just the right person in these circumstances.
Employers and employees must, of course, choose carefully and wisely. The Rolling Stones song, “You Can’t Always Get What You Want” should play in the heads of both employers and employees.
As the song says, “If you try sometimes, you just might find, you get what you need.”
Peter

SUCCESS IS FLEETING; YOURS DOESN’T HAVE TO BE

#success #FleetingSuccess #TemporarySuccess #fortune #failure
Today’s success is tomorrow’s failure.
Or, so it seems that way.
We can all recall some person, entity, corporation etc. that was a huge success, but now is failing.
Ken Fisher, founder of Fisher Investments, took on this topic in a column for USA Today. It was also published Feb. 4, 2019, in The Atlanta Journal-Constitution.
The most recent example Fisher cites is Sears, America’s biggest retailer 50 years ago that is now all but dissolved.
He also talks about lottery winners upon whom the “curse” hits, and they are broke and miserable years later. That seems less like a curse, and more like a lack of personal wisdom or common sense.
In today’s world, success is indeed fleeting. The world is changing at such a rapid pace that the latest “big thing” is pushed out almost immediately by “the next big thing.”
American companies, as an example, in many cases can’t see the next big thing coming. Or, if they can, cannot gear up fast enough to latch onto it. Or, if they are fortunate enough to foresee it, latch onto it too soon, and suffer a period of stagnation awaiting the growth that is to come.
And, as fortune would have it, that “thing” the company foresaw and geared up for is soon displaced by something else.
Decades ago, when Sears reigned supreme in retail, progress didn’t move as quickly. Online shopping was not even a twinkle in some inventor’s eye. The Big 3 automakers churned out big, gas-guzzling cars until, well, foreign economy cars began to displace them. Who knew at the time that electric and self-driving vehicles were just down the road?
Yes, success is fleeting. But personal success doesn’t have to be. Instead of waiting to be part of “the next big thing,” work hard, save some of what you earn every week, sock it away, invest properly as your nest egg builds and move into your elder years without worry.
Easier said than done? Perhaps. But it may hinge on the life decisions you make, large and small, every day.
Think before you spend. What you don’t spend you can save.
Also, don’t presume the situation you may have now will stay the same, or improve. Remember, your employer may be looking for the next big thing and may or may not find it. Or, they may find it too late. Or, they may not change fast enough.
In any case, you, as the employee, will be affected, and usually not for your betterment.
Therefore, you must create your own success. How? There are many ways out there for a person to spend a few, off-work, part-time hours a week creating a potential stream of income that will enable him or her to roll with the punches at work with much more ease. You just have to be willing to look at new ideas that may be presented to you.
If you are willing to check out one of the best such vehicles, message me.
Fisher talks about making yourself indispensible to your employer. Even the most indispensible people get reorganized, laid off or their job changes to an untenable degree.
It may be better to work at your job, and look for other ways to ensure your own success and, perhaps, the success of those willing to join you.
Peter

CUTTING VACATIONS SHORT

#vacation #TimeOffWork #TimeOff #vacations
You may go on vacation to refresh and recharge.
You may take a vacation to catch up on chores at home.
Mostly, though, you go on vacation to get away from work.
Yet, 63 percent of professionals cut their vacations short because of pressures at work.
So says a statistic published by USA Today. It was also published Monday, Nov. 18, 2018, in The Atlanta Journal-Constitution.
One can read a lot into that number. The employee may be frightened about losing his or her job. The employer hates it when key employees take time off, so they pile up the work for that employee while he or she is gone.
Or, companies run with so few employees that when one is gone, the whole operation suffers.
Here’s something to ponder, if you are an employee: your employer gives you vacation time as a benefit in hopes that you will use that time to relax and come back raring to perform.
Use that time to its fullest, if you know you will never get it back. In some cases, it may pay off for employees to “save” their vacation time to get a nice payoff when they retire. Most employers, though, don’t offer that. For most, it’s use it or lose it. For those, not using vacation time puts money back in the employer’s pocket.
Still, there could be some very good reasons to cut one’s vacation short. Perhaps there is a co-worker facing a grave illness and doesn’t have enough vacation time to get paid for all the time off he or she will need to fight that illness. Perhaps the healthier workers may want to donate some of their time to that person.
A hurricane or some other disaster could strike your place of business while you are away. It may be important for you to get back and help get the business back on its feet.
But just because your employer doesn’t WANT you to use all your vacation, doesn’t mean you shouldn’t. If an employer lets you go because you used your vacation, legal action is possible. Or, better yet, find a better place to work.
What if you could go on vacation worry-free, with no pressure on you to return until YOU want to? One might call that financial independence. There are many vehicles out there that potentially could give you the ability to one day fire your boss, and go on vacation whenever you wish, for as long as you wish.
But, you have to be willing to look at something that may be outside of your comfort zone – something you could do part time, without affecting what you are doing now. To check out one of the best such vehicles, message me.
Meanwhile, if you have a job in which you can just be off, where no one really replaces you and there is no pile of work sitting on your desk when you return, consider yourself fortunate. Or, to put it another way, you can perhaps consider yourself expendable and you might need a little more job security.
One of the definitions of job security is whether your boss has to replace you while you are gone.
But regardless of your job situation, using your vacation time is money in YOUR pocket. Cutting your vacation short puts money back in your boss’ pocket.
So, take time off if you can get it. Enjoy. Use all that your employer gives you. It’s time you will NEVER get back.
Peter

WE LOVE VACATIONS, BUT SHOULDN’T WE BE WORKING?

#vacations #vacation #working #jobs

Ah, vacation.

We work so hard for it.

We wouldn’t want to be on vacation all the time, would we?

Brian O’Connor, a philosophy professor at University College in Dublin, Ireland, took on this subject in an article published April 29, 2018, in The Atlanta Journal-Constitution.

“Although annual leave is a right in many workplaces, it is of significant value to employers, too,” O’Connor writes.

Studies urge employers to embrace paid leave, the article says. It refreshes workers, and gives employers opportunities to expose others, who would do the work of the vacationer, to other jobs in the company, thus gaining workers with more diverse skills, O’Connor writes.

O’Connor’s point: vacations are designed as a respite from work, but we all need to be working, rather than being on vacation all the time.

Let’s break this down further. First, as employees, most of us get paid time off in a variety of fashions. There is vacation time, which tends to increase with years of service – up to a maximum, of course.

Then, there is sick time which, in theory, is there to use as needed for illness or other emergencies.

Finally, for those with certain jobs, there is paid time to attend educational seminars, specific offsite training etc.

Some employees will abuse some of this time off, particularly sick time. We’ve all heard the expression of calling in well. Sick time, of course, should ONLY be an insurance policy for illness and emergencies, and should be used only when necessary. Mental health days, unless they are for a specific diagnosed condition, should not be taken. (People with a diagnosed mental condition may have fewer employment opportunities).

Some people don’t get any of this paid time off, despite the encouragement to employers to provide it.

Others are generously paid for NOT using their time off when they retire.

Others, depending on the job they have, are literally punished for taking time off. They have to work extra hours prior to leaving on vacation, and face a huge pile of work when they return. Others can just comfortably go on vacation, without added pressures or work before and after.

With today’s technology, some can take the job with them on vacation. If you are one of those, you may need to set some new priorities.

Though O’Connor’s article argues that vacations are merely a rest from toil, and that toil is something that doesn’t please you, it can be argued that a permanent vacation – or a change in your life – may be needed. There are many vehicles out there that, for a few part-time non-job hours a week, can give you the freedom to change your life for the better. To check out one of the best, message me.

Despite the nobility of labor, if you don’t enjoy what you do, or if what you do does not provide you with the life you want, it may behoove you to look at alternatives.

Your personal goal should be to go on your longest vacation ever – retirement – as soon as you are able. In today’s work world, that decision sometimes can be made for you.

Peter

IS YOUR ECONOMY MATCHING THE NATION’S?

#economy #YourEconomy #jobs #raises
OK. The numbers show a booming economy.
Corporate profits are up. The unemployment rate is at a historic low.
So, how are you doing – financially, that is?
Arizona Republic columnist Russ Wiles poses that question in a column for USA Today. It was also published July 1, 2018, in The Atlanta Journal-Constitution.
If you don’t find yourself in a booming financial situation now, here’s what Wiles suggests: find a better, steadier job, while the unemployment rate is so low; He admits, however, that a lot of jobs pay poorly or feature irregular work hours.
He also suggests getting financial help from someone outside your household – hey kids, ask mom and dad or supplement your income with a part-time job in your off hours.
He even suggests the bold move of asking your boss for a raise. Wiles says the employee may be in the driver’s seat in this economy. We’ve all been told, perhaps, that it never hurts to ask. After all, the answer is always NO if you don’t ask. As a practical matter, however, most request for raises generally receive a NO, perhaps in a more graceful manner.
Let’s look at this problem from the employer’s perspective. The general rule of thumb is to pay people as little as you can get away with. However, if you have good, dependable people working for you, it may improve your bottom line – and cut down on work you have to do yourself – to INVEST in those people.
It’s not just in raises, though they indeed may be necessary. You want to make sure that if you know of some particular hardships that a good employee is enduring at home, that you help relieve some of that stress as best you can. Recently, an Alabama worker just hired by a moving company walked 20 miles, hitching rides along the way, to make sure he showed up for his first day of work.
The employee’s car had broken down and he had no other way to get to work. The boss, realizing how difficult it is to buy that kind of dedication, gave the young man a car.
That CEO should make sure he has a decent career ladder crafted for that employee, so that he never leaves.
Of course, at the same time, we read about employers dealing with workers who don’t show up for interviews, or, worse, are hired and don’t show up for their first day of work. Or, they abruptly leave a job without giving the employer any notice.
Reports indicate that during the recession, people would apply for or be interviewed for jobs, and the employers never get back to them. This may be in retaliation for that.
If you follow Wiles’ suggestion and consider getting a second, part-time job to boost your finances, consider a thought outside the box. There are many ways out there to pick up some extra money – perhaps eventually enough to quit a lousy job you hate, that doesn’t pay you enough – that do not involve a second, traditional job. To check out one of the best such vehicles, message me.
In short, these are supposed to be among the best of times for workers. However, many jobs involve hard work and low pay – or at least lower pay than many deserve. Companies have to keep their costs down to compete. The employers have to make money. No one wants to work for someone forced to go out of business.
It’s up to employers and employees to learn more about each other’s circumstances. There’s really no good reason for people not make good wages, while companies make decent profits. It does workers little good to keep changing jobs, and it does employers no good to have to be constantly rehiring.
Everyone – employers and employees – wants options. If everyone treats everyone fairly, there’s no telling what great options everyone will have.
Peter