5 Toys Bought on Black Friday That Don’t Work by Easter

If you were as oblivious as I was as a kid, you didn’t really understand the connection between Black Friday and the number of toys under the Christmas tree from Santa Claus.  But by 8 years old (*cough* 12 years old *cough*), the gig was up.  Not only did you understand, but you were helping your folks find the best discounts in town.  As knowledgeable as you had become though, you were still powerless to stop the plight of toy deterioration.  It wreaked havoc every year without mercy, but we’re grown-ups now and can put an end to this madness.

So to continue my 30th birthday blog-a-thon and help us all help ourselves, here is my list of the 5 toys that are bought on Black Friday but don’t work by Easter.

No. 1 – Toy Jeeps

Whether it was a Barbie Jeep or a Tonka Truck, these miniature vehicles were the talk of the neighborhood—until about St. Patrick’s Day.  That’s when the batteries would die.  For some strange reason, adults would never take the effort to buy a new battery or recharge the existing one.  So by the time Easter arrives, kids are having to take turns pushing and driving the car.  By the Fourth of July, the car is a bonafide yard ornament.  The only thing is does at this point is grow algae and mushrooms.

barbie-jeep

No. 2 – Video Game Cartridges / Discs

I never had this problem at my house because I knew if I broke something no one was gonna buy me a new one.  But at other kids’ houses, I witnessed this all the time.  When we had cartridges, kids would get food and other junk in the games, and the cartridges wouldn’t work.  In later years when we had discs, the discs would always be scratched up and completely unplayable.

In fact, on that note, I let one friend borrow a game from me once (“NFL Blitz 2000” on Playstation).  He returned it with the case broken, the owner’s manual missing, and the disc scratched up.  Luckily the disc still worked, but I learned a valuable: never loan anything valuable to friends if you’ll be mad if they lose it or damage it.

No. 3 – Tape Players / CD Players

I’m not talking about the good ones that your parents would have.  I’m talking about the cheap knockoff Walkman or Discman that you got for Christmas.  No matter what you did, the mechanisms in your tape player would eventually eat up a cassette tape that you spent hours recording radio music to.  No matter what you did, your CD player would go haywire for no apparent reason.  Of course, neither of these two incidents would ever happen within the 90-day warranty.  They’d always happen a few months afterwards.

No. 4 – Barbie Dolls / Action Figures

Have you ever seen a decapitated Barbie?  I have.  And it’s not a pretty sight.  Sure, when your G.I. Joe action figure’s arm gets eaten by the family dog, you can still make that toy disability work within your imagination.  Unfortunately, your sister or your cousin’s decapitated Barbie just leaves you somewhat uncomfortable.  It’s even worse if Barbie’s head is still around and the hair has been trimmed to the scalp.  Yikes.

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No. 5 – YoYo

I don’t know why, but such a simple toy always had a lot of problems.  Most of the problems came from poor maintenance and harsh care by the kid who owned the yoyo (i.e. not oiling the metal in the yoyo).  A tiny sliver of the problems came from parents who bought dreadfully cheap yoyos.

Did I miss anything?  Drop a comment below and share this post on your social media outlets.

Follow me on Twitter @Ben_Baxter or on AL.com here.

The 30 ‘Almost Great’ College Teams of the Last 30 Years

If you grew up in southeast Alabama like me, you were accustomed to living among a rich diversity of winning college football fans.  Only one problem though—some of the fans I grew up with rooted for Georgia.  Nothing is technically wrong with Georgia, but every Georgia fan in world is way way way too proud about their “almost great” seasons.  I don’t blame them though.  If my football team came up short every year, I’d probably relish in the “almost great” as well.

So to celebrate the Georgias of the world and to kick off my 30th birthday blog-a-thon, here is my list of the 30 “almost great” college football teams of the last 30 years.  (Spoiler: Georgia is listed a lot.)

No. 30 – The 2007 #2 Georgia Bulldogs (11-2)

It’s fitting that we start off with Georgia.  This 2007 team was actually really good, but it hit a string of bad luck.  First, it finished second in the division to Tennessee who was nowhere near as good as Georgia.  And second, it finished second in the country to an LSU team that stumbled into the BCS National Championship Game with two-losses.  Georgia had all the ability in the world to have done better, but it just didn’t work out.

No. 29 – The 2012 #4 Notre Dame Fighting Irish (12-1)

Girlfriends weren’t the only thing fabricated by Notre Dame in the 2012 season.  Apparently, the 12 wins on their schedule were fabricated as well.  Unfortunately for the Fighting Irish, their one loss is still real.

No. 28 – The 1987 #2 Florida State Seminoles (11-1)

Florida State went through some brutal years in the 80s and 90s.  But does it get any worse than this season?  Florida State beat the brakes off everyone, but their one loss—a one-point loss at that—was to rival and eventual National Champion, Miami.

No. 27 – The 1993 #4 Auburn Tigers (11-0)

This won’t be Auburn’s last time on this list.  But like most Auburn fans, I won’t say much about this season.

No. 26 – The 2011 #5 Arkansas Razorbacks (11-2)

The Razorbacks’ only flaw is they had to play no. 1 Alabama and no. 2 LSU in this same season.  There is a chance they could’ve beaten every team in the country other than those two teams.

No. 25 – The 1999 #2 Virginia Tech Hokies (11-1)

Is there anything better than college-era Michael Vick?  Vick as a freshman was awarded an ESPY Award as the nation’s top college player, and he won the first-ever Archie Griffin Award as college football’s most valuable player.

No. 24 – The 2010 and 2014 Oregon Ducks

This team would be higher on the list if they ever really had a chance at greatness.

No. 22 – The 2004 #4 Utah Utes (12-0)

Same issue as the Oregon Ducks.  Lots of wins, but no real shots at getting rings.

No. 21 – The 2013 #2 Auburn Tigers (12-2)

Told you Auburn would be back.  I’ll talk more about this specific team later, but know this: Auburn had a chance to win the last-ever BCS National Championship, but it finally ran out of luck against an overrated Florida State Seminoles team.  Florida State’s coach, Coach Jimbo Fisher, even recently admitted his team wasn’t that good.

No. 20 – The 2005-07 West Virginia Mountaineers

These boys were absolute beasts, but they came up short way too often.  Shout out to Pat White.

No. 17 – The 1995-97 Tennessee Volunteers

Of all the Tennessee teams that could easily qualify, why this one with Peyton Manning at the helm? This is the only team that people always mistakenly think won a National Championship.  The Volunteers didn’t win a modern day National Championship until the 1998 season after Manning left for the NFL.

No. 14 – The 2013 #7 Alabama Crimson Tide (11-2)

My wife and I were in a crowded movie theater viewing of the Iron Bowl when the Kick Six happened.  Other than being in Jordan-Hare Stadium in-person, this theater located in Tuscaloosa was probably the next saddest place in the state for an Alabama fan.  But what makes matters worse is that this 2013 Alabama team still had a shot at a split National Championship, but it couldn’t show up to play in its BCS bowl game against Oklahoma.

No. 13 – The 2001 #8 Nebraska Cornhuskers (11-2)

While this team ended up losing its last two games of the season (including the National Championship Game), its existence helped fuel the end of the Bowl Championship Series system and usher in the College Football Playoff system.

No. 12 – The 2002 #2 Miami Hurricanes (12-1)

Some would argue that this is the greatest team to not win a ring.  I disagree.  This same team—more or less—won the National Championship the previous season.  For that, I can’t truthfully call them a second fiddle without putting several others ahead.

No. 11 – The 2012 #5 Georgia Bulldogs (12-2)

Would the 2012 Georgia Bulldogs have beaten the fabricated Notre Dame Fighting Irish in the BCS Championship Game?  It’s fairly likely, but the world will never know since Georgia fell a few yards short of beating Alabama in the SEC Championship Game.

No. 10 – The 2004 #2 Auburn Tigers (13-0)

The “People’s Champions” may not have been recognized in 2004, but they will be recognized here.  This team was full of future NFL players, including Cadillac Williams, Ronnie Brown, Jason Campbell, and Carlos Rogers.  Too bad the 2004 USC Trojans were a bunch of cheaters.

No. 09 – The 2003, 2004, 2008 Oklahoma Sooners

Oklahoma is not a bad team, but they haven’t won anything of any meaning in almost 20 years.  It’s not like they haven’t had a chance.  Other than Ohio State, no one has choked harder in National Championship games than Oklahoma.

No. 06 – The 2006-09 Boise State Broncos

Pick a year.  Any year.  Results are the same.

No. 02 – The 2005 #2 USC Trojans (12-1)

In what is arguably the greatest football game of all-time, the USC Trojans came tumbling down due to a one-man wrecking crew by the name of Vince Young (QB of the Texas Longhorns).  All season long, the Trojans were a lock to win a National Championship for the third year in a row.  Vince Young apparently didn’t like that fate very much and decided to do something about it.

No. 01 – The 2011 #2 LSU Tigers (13-1)

If this LSU team could figure out how to cross the 50-yard line, it might have had a chance at becoming the greatest college football team of all-time.  It beat everyone in 2011, including Oregon when Oregon was actually really good and Alabama in Tuscaloosa.  Unfortunately, LSU fell short against Alabama when it really mattered.

All of this should have just ended up as an interesting footnote in sports history, but LSU had the audacity to create National Championship rings that touted a number 2 end-of-season ranking.  The other teams on this list may have finished second fiddle, but LSU is the only one that commemorated it in gold.  For that, the 2011 LSU Tigers are the greatest “almost great” team of all-time.

Follow me on Twitter @Ben_Baxter or on AL.com here.

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Teacher Uses 75% of His Paycheck to Become Debt-Free

More often than not, people of the internetwebs are sad, depressed, and uninspiring. Those adjectives, however, do not describe the couple you’re about to meet.

Credit: Hoyt Family

Credit: Hoyt Family via CNBC

Bobby Hoyt and his wife, Coral, are a different breed.  They’re the type of couple that likes to keep it real with themselves when it comes their personal finances.  That personality dynamic is why they decided in 2012 to become a debt-free family.  Don’t take that lightly though because that decision came with plenty of sacrifices.

To become debt-free, that meant the Hoyts had to vanquish $40,000 worth of student loans.  As school teachers with school teacher salaries, that was a heavy load for them to lift.  Fortunately, they quickly learned how to lighten their load.

Whether it was renting from the in-laws to driving an old clunker to wearing old clothes, they got rid of as many unnecessary expenses as possible.  At their peak, they were putting 75% of Bobby’s salary towards student loan payments.  And that’s pretending as if taxes didn’t negate a huge chuck of his gross pay during that time.

At the end of the day, the young millennial couple ended up paying off the $40,000 in a whopping 18 months.  Now that the debt is completely gone, Bobby quit being a teacher and has become a full-time blogger.

So the next time you’re feeling hopeless, just remember: if two young school teachers can change the trajectory of their lives, then you can too.

Follow Ben on Twitter @Ben_Baxter or on AL.com here.

Why We Should Be Worried About People like Brock Turner

**WARNING: Very GRAPHIC. Could be a potential trigger for victims of rape** NSFW

This is one of the most haunting collections of photographs I’ve ever seen. It is right in your face. There. It happened. It happens every single day.

Photo featured in 2016 “It Happens” campaign.

Someone you know was raped or will be in their lifetime. This is NOT okay. We cannot keep condoning this. Every 2 minutes an American is sexually assaulted. One out of every 6 women in this country have been or will be sexually assaulted in their lifetime. It may be random, it may be a family member, it may be your spouse, it may be your best friend, it may be your teammate, it may be your teacher, it may be your boss…anyone can assault anyone—white, black, Asian, Hispanic, gay, straight, young, old, man, or woman. Please talk about this. We have to make the cycle end: #ItHappened #ItHappens #RapeAwareness

Brock Turner is just one of many people that has been raised to believe that human bodies were put on this earth for the taking. And we all are helping create this culture of acceptable, forcible rape. Yes, I am calling everyone out.

Until we change the mindset of America this will continue.

Men:  Females were not put on earth for you to use and abuse. We were put here to be by your side- your equal, hence the whole ‘God made Eve from Adam’s rib’ thing. You’ve got to stop objectifying women in this world. What females decide to wear on their bodies is for them, not for you. When they buy a new pair of heels or a sweet LBD, I promise YOU were not on their mind. Look, I know that in school you kept hearing “boys will be boys” every time you did something stupid so you think you share no responsibility here. And I KNOW that the school dress codes further helped your cause by telling you that when women dressed a certain way it was distracting for you, and they should be punished because of it. Look, I get. We made you this way. So…

Women: Let’s stop talking shit about each other. Let’s stop slut shaming someone for wearing something we personally wouldn’t choose to wear. When we’re at a bar and see a girl surrounded by guys, let’s check on her instead of just saying “OMG, she must be such a hooch.” Women, let’s stop hating ourselves because of what older generations keep telling us. Again, I know, you were conditioned to believe that your body is shameful. The rules of school kept you covered and made you all but too aware of what your body could make a boy do. Yeah, conditioned…

Parents:  Can we please stop the madness now?  Talk to your sons. Let them know that how they treat women is incredibly important. Show love and compassion for your fellow human. Talk to your sons about changing bodies. Yes, they will look at women, but let’s show them that the body is beautifully made and not something put on this earth just for sex. Talk to your daughters, teach them to love themselves. Help them understand that they were wonderfully made. This advice is also vice versa as we know that women can rape too. Lets talk to our children. We have got to stop sexualizing the human figure.

America: Be outraged that someone you know will be raped in their lifetime. It will continue to happen until we change our mindsets. Men like Brock Turner were raised to believe that their impulses mattered more than the other human’s humanity. While most of us can’t comprehend that, we all are allowing it to happen by not being outraged. Brock hasn’t been called a rapist by the courts or by the media, yet that is exactly what he is. And we should be scared that we have people in this world that think like he does and believe what he did was not wrong.  We conditioned him to believe that he can get his jollies no matter what. We’ve conditioned ourselves to believe that if someone is too drunk or dressed a certain way, then they were “asking for sex.” Until we stop allowing our society to sweep this issue under the rug, it will continue. Go to your school boards, and stop allowing them to dictate what is acceptable for our girls to wear. Go to your legislators and make them hold judges accountable for when the few victims that actually come forward to get justice.

It does not matter what someone said before, what they are wearing, how much they’ve had to drink, if they are passed out naked, if they are your spouse, if they are your partner… you do not have the right to violate their body. PERIOD. You do not have the right to touch someone without their expressed permission. So world, I am asking you to be outraged. I am asking you to protect your children by telling them the truth. I am asking you to let your friends know you are there for them. I personally can name on 2 hands people I know that were sexually assaulted in their lives: randomly, by family members, and by friends. My heart aches for them, knowing that we can stop this. Please take a long look in the mirror, and make sure you’re talking about these issues, or we are going to be scared of people like Brock the Rapist for years and lifetimes to come. Stop the cycle. Be a voice for what needs to change. Stop looking the other way. Educate yourselves and those that you love on how to treat other humans.

*If you’ve ever been the victim of a sexual assault, please don’t be ashamed. I am HERE for you. You are NOT at fault. You are NOT to blame. You did NOT ask for it. You did NOT want it. Male or female victims, I am here. I will always be your friend. I will always stand by your side. I will ALWAYS advocate for you. I will be there for you. If you need me, I am HERE.

Follow Tatum on Twitter at @UATatey for more insight on this and other interesting topics.

NYC Wife Shocked by Husband’s 401(k) Balance

I recently ran across an article about the couple below that left me completely irritated about millennial marriages and marriages in general when it comes to financial communication.

business-insider-article

The highly attractive couple shown here were recently featured in Business Insider via Yahoo Finance.  In the feature, the wife recounted the time she realized that her husband saves a much higher percentage of his individual income than she does her individual income—three times higher to be exact.

After coming to this realization, she finally gets her bearings and decides that she will up her 2 percent retirement contributions to 8 percent with the eventual hope of reaching the 12 percent milestone that her husband is currently at.

This may seem like the end of the story and a happy ending, but I can’t help but wonder why her husband was so oblivious to this massive miscommunication problem as it relates to their long-term financial future.

Other than purchasing a house (the reason for his wife’s great discovery happened), the husband in this relationship has done nothing to truly unite himself with his wife.  He’s done nothing to visibly prepare his marriage to last the long haul, at least in terms of finances.

Given that the number one reason for divorce in North America today is money fights and money problems, I hope this couple really improves their financial communication.  As a fellow millennial, I want their marriage to thrive financially.  Not just for the wealth, but for the dreams.

As a world-famous John Maxwell says, “Teamwork makes the dream work!”

Follow Ben on Twitter @Ben_Baxter or on AL.com here.

Potential Retirement Nest Egg for a Median Household in Each Alabama County by Age 67

The following chart shows what a current median-age, median-income household in each Alabama county will have saved for retirement by age 67.  The most recent median age data was collected from the U.S. Census Bureau, and the most recent median household income (HHI) was collected from the Alabama Center for Business and Economic Research.  Annualized rate of return of investing is set at 9 percent inside a tax-free growth Roth IRA, Roth 401(k), or Roth 403(b).  The savings rate per year is set at 15 percent of median household income.  The assumption is that each median household starts with zero saved in retirement, and that each median household never gets an annual pay raise.

County County Seat Median HHI Median Age Retirement Value at 67
Tuscaloosa Tuscaloosa $46,892 32.4 $1,594,896
Lee Opelika $41,256 31.0 $1,592,745
Shelby Columbiana $69,432 38.6 $1,331,831
Pike Troy $31,844 31.5 $1,175,095
Madison Huntsville $58,833 38.4 $1,150,001
Autauga Prattville $54,366 38.3 $1,072,737
Montgomery Montgomery $43,054 35.8 $1,072,574
Elmore Wetumpka $54,298 38.4 $1,061,356
Russell Phenix City $35,585 34.9 $963,211
Jefferson Birmingham $44,852 37.6 $945,107
Mobile Mobile $42,943 37.3 $930,623
Limestone Athens $51,175 39.3 $918,721
Dale Ozark $41,940 37.4 $900,434
St. Clair Ashville $50,571 39.9 $857,498
Coffee Elba $46,931 39.2 $850,561
Chilton Clanton $41,450 38.9 $772,872
Morgan Decatur $45,082 40.2 $742,825
Calhoun Anniston $41,123 39.4 $731,286
Houston Dothan $40,124 39.3 $720,328
Blount Oneonta $45,567 40.9 $702,017
Bibb Centreville $39,546 39.6 $689,998
DeKalb Fort Payne $36,241 39.0 $669,382
Franklin Russellville $33,881 38.4 $662,267
Marshall Guntersville $36,536 39.2 $662,165
Baldwin Bay Minette $49,626 42.6 $648,075
Escambia Brewton $37,077 39.8 $634,714
Talladega Talladega $39,999 40.9 $616,235
Cullman Cullman $39,922 40.9 $615,049
Lauderdale Florence $41,324 41.3 $612,532
Macon Tuskegee $28,518 37.6 $600,922
Barbour Clayton $34,971 39.8 $598,662
Etowah Gadsden $39,904 41.5 $580,138
Colbert Tuscumbia $43,057 42.3 $579,064
Washington Chatom $41,321 41.9 $577,840
Cleburne Heflin $40,418 41.9 $565,213
Perry Marion $27,403 37.9 $561,419
Sumter Livingston $25,413 37.2 $555,895
Lawrence Moulton $41,574 42.5 $548,275
Butler Butler $32,512 40.5 $520,527
Hale Greensboro $33,315 40.8 $518,225
Dallas Selma $26,602 38.5 $515,109
Clarke Grove Hill $36,620 41.9 $512,101
Walker Jasper $37,245 42.3 $500,900
Crenshaw Luverne $34,445 41.5 $500,773
Marengo Linden $32,977 41.3 $488,807
Bullock Union Springs $26,580 39.5 $468,199
Monroe Monroeville $34,733 42.3 $467,117
Pickens Carrollton $31,933 41.5 $464,253
Lowndes Hayneville $30,675 41.2 $459,103
Jackson Scottsboro $36,923 43.1 $459,020
Randolph Wedowee $36,939 43.3 $450,225
Chambers LaFayette $34,116 42.5 $449,920
Covington Andalusia $36,149 43.1 $449,398
Henry Abbeville $39,930 44.2 $444,947
Marion Hamilton $37,707 43.9 $432,974
Geneva Geneva $34,425 43.1 $427,965
Fayette Fayette $35,664 43.5 $426,150
Clay Ashland $35,940 43.7 $420,994
Tallapoosa Dadeville $36,779 44.2 $409,835
Wilcox Camden $24,035 40.4 $388,516
Lamar Vernon $34,553 44.4 $377,378
Winston Double Springs $35,528 44.7 $376,476
Cherokee Centre $38,013 45.9 $356,450
Choctaw Butler $35,049 45.3 $349,476
Greene Eutaw $26,504 42.7 $342,737
Conecuh Evergreen $29,101 44.2 $324,277
Coosa Rockford $34,679 46.8 $296,217

Follow Ben on Twitter @Ben_Baxter or on AL.com here.

Retirement US News

Share Retirement Dreams for Chance to Win Free Book

Let’s dream a little bit.  Most people think more about their next vacation than they ever think about retirement.  But I believe that’s mostly because people get sidetracked by the numbers and forget the dreams.

So leave a comment and share what your retirement dreams are.  For your participation, one lucky commenter will win a free copy of the #1 New York Times Bestselling book, Retired Inspired.

Follow me on Twitter @Ben_Baxter or on AL.com here.

Retire Inspired Giveaway

Why Fear is Not a Reason to Vote

If you haven’t been paying attention for the past few months, then you’ve missed the selections of Hillary Clinton and Donald Trump as major party nominees for this year’s Presidential Election.  With those selections have come anxiety, worry, and any other emotions associated with fear.

But why fear? Why is fear the most prevalent emotion presently?  Let’s allow nationally-recognized pastor, Max Lucado, introduce this bewilderment a little more deeply.

There’s an angst in the country, and I think there’s a fear.  I think there’s a fear of we don’t know what’s next.  And I’ve tried, maybe you can help me, I’ve tried to put my finger on the root of this fear.  – Max Lucado

Lucado goes on to say he believes this fear comes from a disconnect with God and a disconnect with fellow man.

I tend to agree with him as Romans 8:15 says, “For you did not receive the spirit of slavery to fall back into fear, but you have received the Spirit of adoption as sons, by whom we cry, ‘Abba! Father!’”

So if you’re a Christian reading this, I plead with you to stop being fearful.  If you knew how much weight has truly been lifted from you, then you would not sweat something as trivial as politics.  However, based on some of the anger that I am seeing displayed, it’s fairly evident that you are in a deep panic.

If you’re anyone else reading this, I plead with you to stop being fearful as well.  Fear just isn’t going to solve your problems.  Fear almost always causes poor decision-making.  And likewise, it’s a terrible reason to vote.

In fact, neuroscience research from a few years ago suggests the following remedy when gripped with fear: neutralize the situation.

This means not being a fearmonger.  It means avoiding people who are overly pessimistic about the economy. It means tuning out media that fan emotional flames.  Unless you are a day-trader, it means closing the web page with the market ticker.  It does mean being prepared, but not being a hypervigilant, everyone-in-the-bunker type.

I don’t know about you, but I hate fear.  It robs me of friendships—new and old.  It robs me of critical-thinking skills.  And it robs me of joy.  Like any thief, I want it out of my life.  It’s my hope that you will eventually want fear out of your life too.

In relation to the current election, kick fear to the curb before you hit the voting booths.  If we keep fear around, it will build up strength and make us believe we have fewer choices than we actually have.

So be courageous.  No vote submitted from a position of courage is ever a wasted vote.  Not yesterday. Not now.  Not ever.

Follow me on Twitter @Ben_Baxter or on AL.com here.

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Tuscaloosa: A Rally for Peace and Unity in our City

A dear friend of mine, Pastor Fred Schuckert, has diligently and humbly met with several leaders around our city in order to promote peace and unity.  Here is his call to action that he asked people to share:

I met this morning with Schmidt Moore and a handful of other pastors concerning the rising racial tensions related to the deaths of young black men by police officers in various cities and also the senseless killing of policemen in Dallas.  We talked with our mayor and police chief about having a prayer gathering for peace and unity in our city.  They were in favor of this, including the mayor and police chief of Northport.

At 7:00 this Sunday evening, July 10, at Government Plaza downtown, we will be having a “rally for Peace and Unity in our City.”  If it rains, we will meet at Bethel Baptist Church located at 3003 25th St, Tuscaloosa, AL ·

We are inviting the whole church in our city to participate.  Please share this with other Christians you have contact with in the greater Tuscaloosa area.

We are very fortunate to have outstanding governmental officials and law enforcement in our city and county. We want to pray for them as well as for the families of these young black men and police officers who have been killed.

Please help share Pastor Fred’s message.  Like, share, and retweet.

Photo Credit: http://www.harrison-const.com/

Photo Credit: http://www.harrison-const.com/

Follow me on Twitter @Ben_Baxter or at AL.com here.