We can raise rates, we can borrow more money, or we can mitigate. In the long-run, we can lower costs if we mitigate heavily in this state.

Money is like a river. It flows where the conditions are conducive to its flow.

No bees, no honey; no work, no money

Money is a very dangerous thing, you have to get know how to look after it or else you will loose it with ease and remember how you would've it in hard times.

I have grown up alone. I've taken care of myself. I worked, earned money and was independent at 18.

I am foursquare against anyone getting a refund. Become more financially disciplined all year round, and keep that money for yourself.