We all need money, but usually you have to work for it.
And while they say there is no such thing as free lunch, there is such a thing as free money!
If you think free money is just a pipe dream, think again!
You can indeed get free money.
Join InboxDollars for free. InboxDollars pays you to watch videos, search, shop, take surveys, and more. They have paid out $57 Million so far!
There are actually a few ways…
- free money from government
- free money for college
- free money from crowdfunding sites
But one of the easiest ways is taking advantage of bonuses and promotional offers that many companies offer.
Think bonus for opening a new savings/checking account, bonus for applying for a new credit card, etc.
In 2015, companies spent nearly $600 billion worldwide in advertising, with a big portion of it going to giving new customers bonuses for signing up.
This is basically free money for you.
Now, getting a small $5 bonus from a company doesn’t sound like much, but combine that with the money being given by more companies and you’ve got yourself hundreds and even thousands of dollars.
Now finding companies that essentially giveaway free money is hard, but you don’t have to do that!
I did the work and found you a few dozens or so sites, apps, credit cards, banks and other companies that offer free cash.
Free Money Earning Sites
Now the best part is that many of them offer sign up bonuses for new users.
All you have to do is sign up to get that bonus.
Here are a few:
1. InboxDollars – $5
I’ve talked about InboxDollars many times here on MP.
It’s an online rewards site where you get paid to take surveys, shop online, watch videos, complete free offers, you even get paid to read your emails.
Right now they are giving a $5 sign up bonus for anyone joining the site.
2. CreationRewards – $5
CreationRewards is another similar reward site that rewards you for everything from shopping online to playing games, taking surveys, watching videos and more.
Join Opinion Outpost. It is a fun panel with a lot of interesting surveys. And it rewards you well!
Earn 5000 points within 60 days of registering and you get a $5 bonus added to your account.
You can cash out via PayPal, Amazon Gift Cards, as well as gift cards from a variety of online and offline stores.
3. SendEarnings – $5
SendEarnings is a lot like InboxDollars. In fact, they both are owned by the same company, CotterWeb Enterprises.
And just like InboxDollars, Send Earnings is also an online reward site where you earn cash for doing what you probably do anyway – playing games, shopping, visiting websites, etc.
You guessed it, SendEarnings will also give you a free $5 sign up bonus if you join the site.
4. CashCrate – $1
CashCrate is probably one of the oldest sites of its kind, known as Get Paid To, also known as GPT, for short.
It is one of the first sites I came across when I first started my quest of trying to make money online.
Of course, CashCrate wasn’t enough for me to quit my job, but it did help me earn a little side money, and more importantly, it showed me it was possible to make money online despite being scammed so many times by other sites.
5. FusionCash – $5
FusionCash is a lot like CashCrate in that you can basically earn money doing pretty much the same kind of stuff you’d do on CashCrate – shopping, taking surveys, trial offers, etc.
6. VIP Voice (formal NPD) – Chance to win $1,000!
How about a chance to win a $1000 instead of a guaranteed $5 sign up bonus?
I mean, it won’t cost you anything but a few minutes of your time.
All you have to do is sign up with the site for free and you earn an entry to their $1000 sweepstakes.
Of course, if you wanted to actually earn money, you could participate in their paid online surveys.
Plus, you earn triple rewards points when you take your first survey!
7. Point Club – $5
With Point Club, you can participate in surveys in earn points in return.
Points can be redeemed for cash through PayPal or for a gift card for a well-known retailer, like Amazon and Walmart.
And, the site is offering a $5 bonus, just for signing up.
8. Univox Community – $5
Univox Community pays you to give your opinion on consumer products.
In return, you get paid by PayPal, Virtual Visa Card or Amazon Gift Card.
Right now, Univox Community will give you 500 points instantly when you sign up. This is equivalent to $5.
9. TreasureTrooper – $1
Get paid to complete surveys and offers and play games at TreasureTrooper.
Currently, the site is offering $1 to new members.
All you need to do is sign up!
10. Cash4Offers – $5
Get paid to read emails, take surveys, play games and complete offers with Cash4Offers.
When you join this website, you get a $5 bonus.
11. SquishyCash – $3
SquishyCash is another GPT website. It pays you when you do things like complete offers or participate in surveys.
You can earn cash via PayPal or gift cards.
Right now, the website is giving people a $3 bonus just to sign up.
12. Daily Rewards – $10
At Daily Rewards, you can earn rewards when you take part in surveys, play games and get deals.
And, when you sign up to the website, you’ll get a $5 bonus.
13. GrabPoints – $5
Earn points when you watch videos, download apps, complete offers, and take surveys with GrabPoints.
You can redeem your points for gift cards and cash via PayPal.
When you join, you’ll get $5, just for signing up!
14. Vindale – $2
If you don’t mind sharing your opinion, then you might want to check out Vindale. It’s a website that pays you to take surveys online.
When you sign up to the site, you’ll earn $2.
15. Swagbucks – $5
Swagbucks is a huge reward site that almost everybody has heard about.
You can earn rewards for almost any online activity you can think of, from watching videos and answering trivia to playing games, shopping and more.
If you haven’t joined yet, sign up today and get a free $5 bonus.
Free Money from Cashback Sites
Cashback websites are great, because when you shop through them, you get a little bit of your spending back. And, over time, this really adds up. A lot of these sites give you cash just to sign up to them as well.
So, check out these cashback websites that offer free money.
16. Ebates – $5
Although it has become very popular just recently, Ebates has been around since the late 90s.
It’s basically a cashback site that you can use to shop through, on just about any online store you can think of, to earn cash back.
If you do any kind of shopping online, you’d be crazy not to use Ebates. It’s like leaving cash on the table when all you have to do to get it is to reach for it!
I mean, if you’re going to buy something online anyway, why not go through a site like eBates that gives you some of that money back!
Currently Ebates gives you the choice of two pretty generous sign up bonuses:
- $10 Walmart Gift Card
- $10 Ebates cash bonus.
So, you make $10 just for signing up!
Not only do you get that $10 cash bonus or gift card, you also earn free money every time you shop online through Ebates.
17. ExtraBux – $5
ExtraBux is another good cashback website.
You can earn up to 30% cashback on the stuff you buy through the platform – pretty great right?
Right now, it’s offering a $5 bonus just for signing up.
That’s five dollars that you can get literally just for entering a few basic details, like your name and email address.
Plus, since it offers a pretty high cashback rate, and it features more than 2,500 stores, it’s worth using even after you’ve gotten your free cash!
18. BeFrugal – $10
BeFrugal is a cashback and coupon website, like Ebates.
It’s a well-known website that can save you cash on your shopping.
And, just for signing up, the website will give you $10. That’s a pretty generous amount. It’s definitely one of the best sign up bonuses on this list.
19. ShopAtHome – $10
ShopAtHome is a cashback and deals website. When you sign up for the site, you can get another $10 bonus!
20. MrRebates – $5
MrRebates is another site like eBates. It has over 2,300 participating stores and the number is still growing.
What makes their $5 sign up bonus particularly awesome is that you can cash out only after earning 10 bucks. So just by signing up (which is free by the way) you’re half way there.
What’s not to like about that!
21. CouponCactus – $3
Coupon Cactus offers both discount coupons and cash rebates.
Sign-up bonus is $3, and just like Mr Rebates, the minimum requirement for cashing out is $10.
Free Money for Opening Checking/Savings Accounts
Who knew that opening a new bank account could be so profitable?
You could earn yourself anywhere from $25 to $1,000 just for opening up a new checking/savings account.
Check out some of the best free money offers from banks.
22. Chase Total Checking Account– $350
Chases has a coupon that could net you $350!
That’s a pretty big bonus!
Just open up a new Chase Total Checking account – and you’ll get $200.
To qualify for this offer, you need to deposit at least $25 into the account when you first open it, and have a direct deposit made to it in within 60 days of the account opening.
Then, open up a new savings account with the bank and get a further $150.
To get this one, you need to deposit at least $10,000 into your new savings account within 10 business days of opening your account. And you have to maintain this balance for at 90 days.
23. Citizen Bank CollegeSaver Account– $1,000
To qualify for this bonus you must open a new CollegeSaver savings account.
And, you must open it before your child’s 12th birthday.
Also, if your child is under the age of six when you open the account, you must deposit at least $25 at account opening and continue to save that amount every month – at a minimum.
If your child is between 6 to 11 years old, then you need to deposit $50 initially, and continue to save at least that required monthly minimum amount every year.
Then, when your child turns 18, you get $1,000 plus interest.
It is actually a great account for saving throughout your college years, paying decent interest.
24. U.S. Bank Start Smart Savings Program – $100
I love the START Smart Savings Program from the US Bank. It’s an awesome way to save and build up your savings over time.
It offers so many great benefits, like a 1% debit card bonus (up to $50) for gas and grocery purchases.
But, that’s not all.
As a member of the program, you also get a $50 bonus!
There are of course a few stipulations.
Firstly, you need to be a new customer with a new personal Silver Checking Package account and a new or existing Package Money Market Savings account.
Secondly, you need to schedule a qualifying transfer from your Silver Checking Package to your Package Money Market Savings account during enrollment.
You can only enroll in the START Smart Savings Program within the first 90 days of your account opening – so keep that in mind.
Thirdly, there’s a minimum opening deposit of $25 per account.
Finally, you must keep both accounts open for at least 12 months after the enrollment date to qualify.
25. Virtual Wallet from PNC Bank – $50
Open up a new Virtual Wallet account with PNC Bank and earn a $50 bonus.
To qualify you’ll need to deposit $500 into your new account, within the first 60 days of opening it.
And, make at least 10 purchases using your PNC Bank Visa Debit Card.
This offer is only available to people who live in AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV.
If you open a Virtual Wallet with Performance Spend account with PNC Bank, then you could get a $200 bonus!
You’ll need to deposit $2,000 in total into the new account, within the first 60 days of opening it.
Also, you’ll need to make at least 10 purchases with your PNC Bank Visa Debit Card.
This offer is only available to residents of the states we listed in the section above.
When you open up a Virtual Wallet with Performance Select account with PNC Bank, you can get a $300 bonus.
Just make sure that you make $5,000 worth of direct deposits into your account during the first 60 days it’s open.
And, make 10 purchases using your PNC Bank Visa Debit Card. As with the two accounts above, this one is only available to residents in select states.
Free Money for Opening New Credit Cards Accounts
A lot of credit card accounts provide you with rewards from cash to free travel just for opening up an account!
Just check out some of these companies below. You could get yourself a free night’s stay at a hotel, a free flight or up to $300 in cash!
28. Capital One VentureOne Rewards Card – $200
This is another travel credit card from Capital One.
With this card, you get 20,000 bonus points if you spend $1,000 on purchases within the first three month from account opening.
This is equivalent to $200.
29. Capital One Savor Dining Rewards – $150
Savor Dining Rewards is a credit card that gives you 3% cashback on dining.
With it, you also get between 1% to 2% cashback on other purchases.
If you open up an account and spend $500 within the first three months, then you’ll receive a $150 cash bonus.
Get $150 back in the form of a statement credit, when you spend $1,000 on purchases on this card.
You must spend that amount within the first three months of your account opening.
31. Blue Cash Preferred from American Express – $150
When you spend $1,000 on purchases using this card, you get $250 back in the form of a statement credit.
Make sure that you spend that amount during the first three months of account opening.
32. Citi AAdvantage Platinum Select World Elite Mastercard – Free Flights
With this credit card, you get 30,000 American Airlines AAdvantage bonus miles!
And, you can redeem points for flights for as little as 7,500 points.
You just need to spend $1,000 on purchases during the first three months of account opening.
33. Citi/AAdvantage Executive World EliteTM Mastercard – Free Flights
With this card, you get 50,000 American Airlines AAdvantage bonus miles when you spend $5,000 within the first three months of account opening.
34. Citi Business/ Advantage Platinum Select World Mastercard – Free Flights
Get 60,000 American Airlines AAdvantage bonus miles when you spend $3,000 within the first three months of your account opening.
That’s a lot of free flights!
35. Citi/AAdvantage Gold World Elite Mastercard – Free Flights
When you make $750 worth of purchasing during the first three months of opening your account, you receive 25,000 American Airlines AAdvantage bonus miles.
36. Citi ThankYou Premier Card – $300
Earn points when you spend money on dining, entertainment, travel and more with the Citi ThankYou Premier Card.
Spend $3,000 on this card within the first three months of opening the account, and get 30,000 bonus ThankYou points.
The value of ThankYou Points varies, depending on how you redeem them. For example, if you redeem them on flights or for gift cards, then each point is worth about $0.01.
This means that the 30,000 bonus, works out at about $300 in flights or gift cards.
If you redeem the points for straight up cash back credit though, each point is only worth $0.005. So the 30,000 bonus points work out at $150, meaning you get half the amount.
That’s why it’s a good idea to redeem ThankYou points for flights or gift cards, rather that cash back credit.
If you get this credit card, which is designed for college students, you earn 2,500 bonus points. This is equivalent to up to $25.
You just need to spend $500 on the card within the first three months of your account opening.
38. EXPEDIA+ CARD From Citi – Free Travel
When you make $1,000 in purchases during the first three months of your account opening, you earn 15,000 Expedia+ bonus points.
You can redeem Expedia+ bonus points for free travel.
39. EXPEDIA+ VOYAGER CARD From Citi – Free Travel
With this card, you can earn 25,000 Expedia+ Bonus points.
You just need to make $2,000 worth of purchases during the first three months of your account opening.
Again, you can redeem these points for free travel stuff, like flights and hotel stays.
40. AT&T Access Card From Citi – $100
With this card, you can get 10,000 bonus ThankYou points.
This is equivalent to up to $100, depending on how you redeem the points.
You need to make $1,000 in purchases within the first three months of your account opening to qualify for this bonus.
41. Capital One Venture Rewards Card – $500
The Venture Rewards Card is a travel reward credit card. It allows you to earn miles on the stuff you buy and you can redeem them for travel related purchases.
If you spend $3,000 with this card in the first three months of your account opening, then you earn 50,000 bonus miles.
Each mile is worth 1 cent – so this works out at about $500!
Essentially, you’re getting free cash to spend in the form of points.
42. Chase Sapphire Preferred Card – $500
With this card, you receive 50,000 bonus points!
But, you must spend at least $4,000 on purchasing during the first three months from account opening.
This works out at between $250 and $625, depending on how you redeem the points.
Those points are worth $625 if you redeem through Chase Ultimate Rewards.
When you get the Barclaycard Arrival Plus World Elite MasterCard, you can earn 40,000 bonus miles.
This is the equivalent of $400 in travel credit!
Just spend $3,000 on purchases within the first 90 days of your account opening.
44. Capital One Quicksilver Rewards – $150
This is a cashback reward credit card from Capital One.
If you get this credit card, you’ll receive a $150 cash bonus when you spend $500 on purchases within the first three months of your account opening.
Good to know
Banks and credit card companies run promotional offers all the time, so many of these offers may not be available by the time you come across this post. However, if you search the respective bank or credit card company’s website, you’ll often find similar promotions that can get you free sign up bonus.
Free Money from the Government
Whether it’s for low-income families or senior citizens, there are dozens of government-sponsored programs that provide free money.
And, the amazing thing is that most people don’t know about them.
After all, who’d think that the government would be offering free cash?
So, below, we’ve listed some government programs that provide free money.
45. Unclaimed Pension Benefits
In your working life, you might have been an employee at a company that went bust or was acquired by another company.
In situations like that, we tend to leave the job behind and look for a new one, giving little thought to the pension plans we were previously associated with.
This means that you, like many people in the United States, could be owed pension benefits.
According to the Pension Benefit Guarantee Corporation, there are more than 38,000 people who haven’t claimed the pension benefits that they are entitled to.
And, these unclaimed pensions amount to more than $300 million dollars!
The Pension Benefit Guarantee Corporation (PBCG) is a U.S. Government Agency.
On the website, you can search a huge database for unclaimed pensions.
You can see whether there’s a pension plan that you might have overlooked or one that you were previously associated to that owes you money.
Here’s how to search for any money owed to you:
- Step 1: Go to https://www.pbgc.gov/search/unclaimed-pensions.
- Step 2: In the search box, enter your name or the name of any company you’ve ever worked with and hit “Search.”
- Step 3: Click on your name (if the displayed results shows it.)
- Step 4: The next page will tell you how to contact them to get the money owed to you.
You can also call PBGC by dialing 1-800-326-LOST)
Or you can fill out the form displayed on that page and hit “Submit.”
According to the site, you could get between twelve cents to almost a million dollars in unclaimed pension benefits.
Make sure that you check out the PBCG.gov to see if you’re missing out on an unclaimed pension.
46. Unclaimed Money
Like most people, you probably have a lot going on between work, chores and spending time with your family.
So, it’s easy to forget that you put money in a checking account that you haven’t used in over a year, or into a utility security deposit before you moved.
There’s a great website called Unclaimed.org. It’s designed to return unclaimed money to you.
On the website, you can find out if you are owed any unclaimed money. Handily enough, you can search by state.
The website claims that state government unclaimed property agencies have returned more than $3 billion!
Here’s how to search for missing money:
- Step 1: Go to https://www.unclaimed.org and click on your state name (this will take you to your local (state) governments’s official site.
- Step 2: From there you can enter your name and search for anything owed to you.
If you have lived in a few states or would rather search on the federal level, you can use MissingMoney.com (a National Association of Unclaimed Property Administrators backed site) to search.
47. Free Cash to Help with Buying or Renting a Home
The United States Department of Housing and Urban Development (HUD) provides support in a variety of home ownership and rental matters.
It aids in buying, selling, renting or repairing homes.
The website is a great resource for any home owner or tenant, as there’s such a wealth of expert advice on there.
But, that’s not all.
In some cases, it provides real cash for things like down payments and closing costs.
To find out more about the type of informational and financial assistance offered by HUD, make sure that you check out HUD.org.
48. Money to Help Avoid Foreclosure
If you’re struggling to keep up with your mortgage payments and are facing foreclosure, then you might want to check out the Home Ownership Preservation Foundation, aptly called HOPE.
This website helps people to stay in their homes.
Unfortunately, an increasing number of people have been affected by foreclosure in the last decade, and although the housing market has recovered in many parts of the country, several areas and states are still struggling.
If you are facing this issue, then HOPE is definitely a website to visit.
It can help you to pay for your mortgage and set up a plan for you.
Call the organization on 888-995-HOPE, or visit it’s website at 995HOPE.org.
49. Free or Low-Cost Health Insurance for Kids
The cost of your children’s health insurance can really put a dent in your finances.
Fortunately, a website called InsureKidsNow.org helps parents to find low cost health and dental coverage through Medicaid and the Children’s Health Insurance Program (CHIP).
Through these organizations, you can get free or low cost check-ups, immunizations, hospital care, mental health services, prescriptions, doctor and dental visits and more for your children.
Here’s what you need to do:
- Step 1: Go to https://www.insurekidsnow.gov.
- Step 2: Under “Find Coverage for Your Family” select your state and hit “view state.””
- Step 3: The next page will display available low-cost or free health insurance programs in your area and how to get them.
You can also call the organization on 1-877-KIDS-NOW (1-877-543-7669).
50. Free Money for College
The cost of college tuition can be astronomical.
Fortunately, Federal Student Aid, an office of the U.S. Department of Education, gives qualifying students free cash to complete their education.
I actually wrote a post about getting free money for college a while back.
The program works through Federal Pell Grants.
Only undergraduate students who haven’t earned a bachelor’s or professional degree are usually awarded the grant.
The Federal Pell Grant isn’t like a loan – you don’t have to repay it.
Of course the amount you get won’t pay for your entire tuition, but it’s free cash to put towards your education.
The amount the grant offers changes from year to year.
In the July 1 2017 to June 30 2018 award year, the maximum Federal Pell Grant Award is $5,920.
You might not get the maximum amount though.
How much you get depends on factors, like your:
- Cost of attendance.
- Status as a full-time or part-time student.
- Financial need.
- Plans to attend college for a full academic year or less.
Check out the website to learn more about this grant, how it works and how to apply.
51. Free Cash for making your home energy efficient
If you’re willing to make your home a little more energy efficient, then you could get free money from the government.
Getting your home properly insulated and doing things, like installing storm windows and weather-stripping, can make your home more energy-efficient. And, it can reduce the cost of your energy bills.
But, making your home a little more energy efficient could also net you up to $2,500 from the government.
The US Department of Energy has a plan called the Weatherization Assistance Program.
It gives out cash incentives to anyone who makes their home more energy efficient.
It operates on the premise that the government will give out cash incentives for anyone willing to make his or her home more energy efficient.
52. Save $100 on your Tax Return
Doing your taxes can be stressful, and paying a tax professional for help can cost at least $100.
That’s why you might want to check out an initiative from the IRA, called VITA (Volunteer Income Tax Assistance).
It helps people who earn a low income to prepare their tax returns.
This saves you money on paying someone to do the tax return for you.
For more details on the initiative, visit the website, or call 1-800-829-1040.
53. Free Advice on Starting Business
Like with the tax service above, this one doesn’t literally give you free money.
But, it does give you a service that you would usually have to pay for, free of charge.
So, essentially, you’re stilling getting free money!
If you’ve ever thought about starting a business, you probably know how expensive it is to get professional business help and advice.
That’s where the government’s Small Business Development Centers can be so helpful.
There are 900 of these centers across the country. The centers offer free advice and technical assistance to small businesses and aspiring entrepreneurs.
It offers advice on all facets of starting and operating a business, including the development of business plans, market research, taxes, operations, and contracts, for example.
This program can save you thousands of dollars on professional business advice.
Visit the U.S. Small Business Administration’s website to find a center near you.
54. Repair your Credit Rating for Free
Many of us would like to improve our credit score, and we could all use some help with it.
But, this help can be costly!
That’s why the Federal Trade Commission is such a valuable, dependable resource.
On FTC’s Credit Repair page you can find out about your rights, and a wealth of other information on credit repair.
And, it’s all totally free!
Free Money for Transferring Your Prescription
Pharmacies are always looking for a competitive advantage.
And one of the ways they try to get ahead of the competition is by offering free gift cards and cash to customers for transferring their prescription to them.
Here are two pharmacies that offer prescription transfer bonuses right now:
55. Safeway – $75
Safeway is offering up to $75 in gift cards when you transfer your prescription to them.
56. RideAid – $25
RideAid will give you $25 wellness+ BonusCash within 24 hours of you transferring your prescription to them.
By the way, most pharmacies offer coupons and bonuses for transferring your prescription. It’s just that they are not available all year round.
Walgreens, Walmart, Target, and CVS have been offering prescription transfer bonuses and coupons for some time. So be sure to keep an eye on them so when the offer pops up you don’t miss it.
And yes, there is nothing to stop you from transferring your prescription to a few pharmacies one after another, though it would be time consuming and since each have certain restrictions, I don’t think it would be worth the headache.
That said, if you’re looking for a better or closer pharmacy, take advantage of these offers and get yourself some free gift cards, coupons and cash for doing something you were going to do anyway.
Free Money from Class Action Lawsuits
Finally, another way that you might get your hands on free money is through class action lawsuits.
If you need money fast and free, this won’t work since it takes months (in some cases longer) for them to process things, but it is 100% free money nonetheless.
With class action lawsuits, legal action is filed against a defendant by a group of people.
For example, a group of consumers might bring a class action lawsuit against a company that had sold them a defective product or falsely advertised a product.
These types of lawsuits are designed for situations where a group of people have suffered similar injuries as a result of the defendant’s product or actions.
Below, we’ve outlined a few websites where you can look for them.
Top Class Actions is a website founded in 2008. It’s designed to help consumers to find and submit claims, and earn compensation from them.
This is a really great website that offers a huge wealth of information and up to date news on class action lawsuits.
58. Consumer Action
This is another good website for finding information on class action lawsuits.
The website features a large database of notable class actions.
Using the websites, you can learn more, and file a claim.
This website features an up-to-date list of open lawsuits and investigations.
You’ll also find news on the site too. Overall, it’s a great resource for consumers.
I hope you guys enjoyed reading this list.
And more importantly, I hope you’ve found a few ways that you can use to get some free cash.
Sure, not every single one of these options applies to you…
But here’s the thing…
Even if you take advantage of a few of these, you can get an easy few hundreds dollars worth for free money.
I’d especially take advantage of offers from products and sites that you are going to use anyway. For example, if you shop online, you may as well go through a cashback site and get some rebates. And if you’re going to do that, then join a cashback site that gives you sign up bonus.
Or, if you’re going to open a new bank account or a credit card, you may as well go with a bank or credit card company with sign up bonus.
And if none of that appeals to you, at least search for missing money on sites we mentioned above. It takes seconds to search and you never know how much money may be out there waiting for you to claim.
Have you ever used any of these sites to get free money?
What other ways, if any, have you used to get totally free money?
Leave a comment below and let me know.