Category Archives: Finances

Psych Yourself Rich Book Review

Psych Yourself Rich is the best book to help you understand the personal relationship with money.

Author Farnoosh Torabi shows you how to develop the mindset, discipline, and habits to grow wealth and achieve you goals on your own terms– without fear, anxiety, misery, or too much sacrifice, by combining the latest approaches in behavioral psychology with a disciplined attitude to help you psych yourself into a place of financial well being.

Get the Mindset and Discipline You Need to Build Your Financial Life
(FT Press, October 2010; Hardcover: $20.99)

This is the book just about every single one of us needs to read right now! The recession hit the hearts and pocketbooks of many – a job loss, investments plummeted, a foreclosure. People now realize they need to take control and become smart with their money.

Before the recession, our relationship with money was disconnected – mainly because the topic doesn’t bring excitement in conversation or the real terms were not grasped (it’s why banks made a lot of money with those high interest credit card rates). So, we left it up to someone else to deal with our facts and figures – while many just assumed to trust the company representative and signed the dotted line. Relinquishing our financial relationships to someone else.

Read some of these statistics:

      The average household carries roughly $10,000 in credit card debt, according to the Federal Reserve
      Foreclosure experts at RealtyTrac predict four million home will receive a foreclosure notice in 2010, about the same as in 2009
      Our collection of credit cards, when piled up, can physically reach more than 70 miles into space, and be as high than more than a dozen Mount Everests, according to researches at

Now through the aftermath of the recession, people are paralyzed by the fear, unsure what next step to take with our finances. Farnoosh Torabi, author of Psych Yourself Rich, will show you the next moves – how to map out a personal plan based on what you really care for in life and learn how to get in gear, move forward, and transform your plans and dreams into reality.

  • Stop agonizing – and start acting
    Overcome the behaviors that keep you from achieving your fi nancial, personal, and professional goals
  • Assert yourself, take control, and stop shorting yourself
    Shift the power balance in all your financial transactions
  • Get more out of the money you already have
    Make more sensible decisions about what to buy and how to invest
  • Live your passion: identify what’s important to you and go after it
    Learn what it takes to succeed on your own terms, make the commitment, and do it

I totally recommend this book to anyone who wants to take control of their money on their own terms!

Follow Farnoosh Torabi’s Psych Yourself Rich in 10 Days here: LearnVest
Follow Farnoosh on Twitter @FARNOOSH

(photo credit: Amazon)

Farnoosh is also the author of YOU’RE SO MONEY: Live Rich Even When You’re Not, a candid financial tell-all for young adults getting ca dose of the real world for the first time. The New York Times calls her advice “perfectly practical”. Farnoosh was the money coach on SoapNet’s Bank of Mom and Dad, the host of Wall Street Confidential with Jim Cramer on RV and the resident financial expert on TLC’s Real Simple, Real Life. You’ve seen her NBC’s Today Show, Larry Kind Live and The View. For more information about Farnoosh – go to

Plastic Wars: Credit or Debit Card?

Do you think there are certain purchases that make better sense to use the credit card over the debit card?

No doubt that debit cards are still main plastic used for shopping, because as consumers we choose to spend below our means (that is your reason right?). But the question popped up in my thoughts the other day when I was making travel arrangements to San Francisco. It dawned on me that I use a credit card everytime I travel. But why?

For me, I enjoy the ease in tracking expenses on one card and I have a limit available that exceeds my travel budget should an unplanned expense occur (this does not mean an unplanned shopping excursion. This is more related to unplanned transportation and hotel charges that could occur; like if your roommate can’t pay their share of the room charges due to a gambling loss).

Keep reading. Let’s look at when you should or should not use each type of plastic.

Credit Cards

For Big Purchases

You don’t want to buy, say, a laptop or other bit-ticket item with a debt card, especially if you purchase it online. Credit cards allow you to withold the payment if something goes wrong with the purchase, and the issuer will often investigate the problem for you. With a debit card the money is deducted from your checking account immediately, and it will most likely mean it is up to you to resolve any problems with the merchant.

Some credit cards, including American Express Cards, add up to a year to the manufacturer’s warranty on the products you buy with them. You can also get additional protections against fraud, identity theft, damage, or plain old theft. Many credit cards offer complimentary travel insurance, car rental loss and damage insurance, and 24-hour travel, roadside, and emergency assistance.

For gas, hotels, and rental insurance

Retailers like auto rental companies, restaurants, gas stations, and hotels are likely to put a hold on the money in your checking account until a debit transaction is processed, with might take up to several days. What’s more, the amount that is blocked is usually much higher than the amount of your purchase. If you don’t plan accordingly, these hold can prevent you from accessing the funds in your bank account and result in bounced checks, declined transactions and overdraft charges.

To earn rewards

Not as many debit cards have rewards programs, and the programs of the one that do aren’t as good as those of credit cards. Usine your debit card won’t maximize the amount of cash back or points you can earn. Rewards credit cards, however, tend to have the highest interest rates, so unless you pay off your balance in full each month, you shouldn’t use one.


Under federal law, your liability for fraudulent charges on a debit card can be greater than it is for a credit card. You’re are responsible for up to $50 in unauthorized purchases on your credit cards. But with a debit card, you can lose up to $500 if you don’t report the theft or loss of your card or PIN within two business days of discovering the problem.

Use a debit card…

For budgeting

Debit cards are fine for small purchases. such as groceries and other everyday purchases. You should also be inclined to spend less using debit, since you generally know how much is available in your bank account. Debit cards may also curb the tendency to spend more to earn rewards, a problem for some people with credit cards.

Debit cards have become even better for budgeting now that new federal rules require banks to get your permission to allow overdrafts made with debit and ATM cards and charge fees for those transactions. But the rules, which took effect for new cards on July 1 and for existing accounts on Aug. 15, don’t cover overdrafts from checks or recurring transactions, such as automatic bill payments.

Are you pro credit card or debit card? And why?

(photo credit: Flickr)

GetCurrency and PF Comics!

Generation X and Y now has help navigating a financial minefield. American Express recently released a content-rich, social-media platform called Currency (

Tell me More!

For young adults in their 20’s and 30’s, Currency offers tips and suggestions on saving and spending, in a voice that speaks to them from more than 25 leading personal-finance writers.

[Can you name the other known personal-finance writers for Currency?]

I was asked to be one of those 25 personal finance writers to contribute true, honest personal finance experiences to Currency. I definitely feel honored.

[Check out my first article: Setting Up Your First Budget]

I really enjoy the launching of this site because it reflects personal finance subjects on a personal basis; one can easily relate to the perils and joys that come with managing our money. Then audience can take what they have learned and share information and financial tips via Facebook, Twitter, Linked In and other applications. Check out Currency.

In Conjuntion: Personal Finance Comics!

Credit Card Daily, is a personal finance blog written by Fred and Jeremy from the Credit Card Finder team. They are the people responsible for putting out these awesome personal finance comics (along with Brad and Francis). πŸ™‚

[Current Comic Cast: Man Vs Debt, Budgets Are Sexy, Enemy of Debt, My Next Buck and Money Funk]

If you remember in Comic #5, Part 1 of Credit Card Rewards or Credit Card Regrets?, Brian was struck by a strange vision, Brad and Baker were there to save Money Funk from the evil debt throws by J. Money. ::slam:: Where did Adam go after being hit by J. Money’s skateboard?

In Part 2 of Credit Card Rewards or Credit Card Regrets? – PF Comic #5 Enemy of Debt is re-invigorated, bouncing around walls of the ally like a pinball choppinng up the credit cards. The fight is on between J. Money and Enemy of Debt ::Bong!:: ::Blam!::

Money Funk takes off running from the fight. Jay Money collapses. Who is the Gambler? Find out in Part 2 of Credit Card Rewards or Credit Card Regrets? – PF Comic #5!

Meanwhile, Baker is where??? Doing what???

New Characters

PF Comic #6 is underway. Take a sneak peak behind the scenes. With new characters like Brad Tuttle (from It’s Your Money –, Dave Ramsey (from The Dave Ramsey Show), J.D. Roth (from Get Rich Slowly), and awesomely… Jeff (from Deliver Away Debt).

Credit Card Daily – an outlet from the rest of the content on Credit Card Finder, “giving us creative freedom to have some fun, and hopefully make some friends with other cool bloggers at the same time!”

What is Debt Recycling?

What is Debt Recycling? I asked myself the same question when I saw the phrase and discovered it is a rather interesting concept; especially to those that own a home.

Debt Recycling kind of reminds me of a loopty loop process in a fashionable way. The idea is to reduce you non tax-deductible interest on a debt and replace it with a tax deductible interest on another debt.

Here is how it works

Suppose a few years back, you bought the house you live in for $200,000, and now its worth $350,000. First, you would then borrow up to 80% of the equity (or $120,000) as an investment loan. The advantage here is that the loan is fully tax deductible.

Next, you take the $120,000 investment loan and put that to another investment vehicle – usually a managed plan or another property. Then, at the end of the year, the amount you repaid on your mortgage is reborrowed and added to your new investment vehicle. Make sense?

So each year you rinse, repeat and lather – equity to investment vehicle. Now, the advantage to debt recycling is that the non tax deductible mortgage is slowly being converted into tax deductible investment.

Mortgage reduction (‘bad debt’) —-> New Investment Growth (‘good debt’)

The result

When your mortgage is paid off, you can then make the decision to sell your investment and pay off your investment loan, or keep the investment and make payments, or consider taking out a new investment loan against your home and increase or start another investment opportunity (reminds me of a Donald Trump strategy).

But is it right for you?

Many people believe they need to pay off the mortgage before having enough money to build their wealth or make a substantial investment. But the problem with waiting until your mortgage is paid off – your investment will not have time to grow and mature. Debt Recycling allows you to borrow against the equity in your home and make a tax-advantaged investment that can pay off the mortgage and at the same time build you wealth.

So, even though it sounds like a good way to increase your investment portfolio, there are some things to consider before taking part in this strategy.

  1. Make sure to hire a Certified Financial Planner to help you plan for this type of aggressive financial planning.
  2. Remember, if your investment falls in value, you end up losing. Do you have the financial cushion to survive the potential losses?
  3. This is a long-term investment strategy. Do not consider investing less than 5 years of your time with this type of strategy.
  4. If the interest rates on your loans increase dramatically, the profits decline.
  5. Tax laws could change, thus damaging your strategy and anticipated profits.
  6. If you are married, consider obtaining a nuptual agreement with your spouse – you’ve seen the current divorce proceeding with the McCourts – Major league Dodger’s owner, right? Need I say more. I guess, in that case, I should say have one solid nuptual agreement.
  7. Your assumptions are not fitting the outcome. Much like starting a business, its easy to become overzealous with the potential end results. Thoroughly research your investment opportunities before leaping in. Gain a second opinion from a colleague, a different opinion could help you see all sides of the opportunity.
  8. Make sure your CFP arranges adequate insurance for income protection, trauma, or death and disability.

Debt Recycling during an unstable economy

Currently, I do not think debt recycling is the right investment planning strategy. The housing market is great for those people that can afford to invest in home forclosures; preferably with cash. There are $500,000 properties being sold for $200,000 in my area right now. I say cash to invest instead of using the equity, because my husband and I were hit hard in this economic downfall. There was a $15,000 of equity in our home that soon skyrocketed to $250,000 equity during the housing boom (that was a nice feeling). But now we were hit hard and the home is valued (minimally) upside down – Ouch.

Now if you take the equity from your home to invest it into a managed investment plan (now its sound like Warren Buffett) – buy low, sell high – could be a consideration.

I would be interested on your take about debt recycling. Neat concept. But too much at risk?

(photo credit: Shutterstock)

Financial Check Up List

My husband is an organized nut. If we go somewhere on vacation, he makes a list for the tasks to be completed, from washing the laundry, packing the clothes, to loading the car trunk and has them done before I get home from running errands. If he thinks the house needs to be cleaned (former Navy SeaDog), he has an organized system for making sure everything from dusting the blinds, to weeding the garden, to cleaning up the garage is done in a short, practical amount of time. And he insists that I do the same. Otherwise, he says, I’ll run in a chaotic manner because I have to much going on (He’s right. But I call it chaotically organized.)

In actuality, I am not as attentive as he is. But when I do make decide to take the lead, I do it with enthusiasm and aquire the rewards: better organization, less stress and a sense of accomplishment.

I am sure plenty of you are as busy as I am. So I took the leisure of preparing to-do list of things you should tackle this season to improve your financial situation. Reap the benefits as you accomplish each task.

Review your health-insurance options. In November, most employees are given the chance during open enrollement to make decisions about their health insurance benefits for 2011. Be sure to look closely at your options because employers will be making some changes to their plan as a result of the health-care reform.

Start a flexible-spending account for 2011. If your employer is increasing deductibles and co-payments for your health insurance, as many are, then its a good idea to start contributing to a flexible spending account. An FSA lets you put aside pretax money that you can use tax-free for medical expenses. There is no maximum contribution for FSAs (until 2013), but consider contributing only the amount you intend to use. If you are getting close to the end of the year and a chunk of change is still sitting in your FSA, it results in a forfeited balance to the employer. Any money remaining ends up right into the pockets of your employer.

Sign up for bank alerts. Now that banks can no longer charge overdraft fees on debit-card transactions (unless you opt for overdraft protection), its important to keep close tabs on your balance so your purchase are not declined for insufficient funds. An easy way to do this is to sign up for your bank’s balance alerts.

Make tax-saving home improvements. The tax credit for energy-efficient home improvements expires at the end of 2010. If you have heating units, hot water heaters, windows, or insulation that needs to be replaced, be sure to do it by the end of the year. See the Energy Star website for more information on the types of improvements will qualify for the tax credit.

Boost your 401(k) contributions. If you are in a position to contribute the maximum to your 401(k) this year ($16,500), go for it. If you are 50 or older, use the Catch up Contribution provision to add an extra $5,500.

Clean out your closets and donate what you don’t need. If you itemize on your tax return, take all that stuff to Goodwill or any other charitable organization and claim a deduction for your contribution. Consider using Turbo Tax ItsDeductable Online to keep track of your deductions.

Draft a holiday budget and start setting money aside now. With only 93 days until Christmas its a good time to start saving now if you haven’t started and avoid going into debt this holiday season. Here are 12 Christmas Gift Ideas for Under $10 to help you plan a frugal gift exchange.

{Photo Credit: Work It Mom}

5 Ways to Save on Organic Food

Yes, you can buy healthy food on a budget! Now that organic foods have become big market, it means that the good stuff is rendering more affordable. As most of you know, I love eating whole, unprocessed foods – nutritious, green foods. But just like you, I don’t like paying high prices for mother nature’s good food. I am hear to tell you about 5 ways to save on organic food.


With the Organic Food sector growing faster than ever, coupons for organic foods are becoming more common. To find the best coupons, check out some of your organic food makers websites for printable coupons. Organic Coupons & Deals has a whole list of companies offering coupons for organic products.

Buy Whole, Unproccessed Foods

Buy products in the bulk aisle like beans and rice. Not only are they more nutritious, they costs are significantly less than their processed counterparts. Just two weeks ago, I learned how easy it was to make refried beans (why did I wait so long?). The cost: $1.68 to feed 8 people. That would have been at least $6 if I bought the canned stuff!

Buy Store Brand Foods

If you feel the need to shop at the more popular big natural and organic stores because they offers items that are not readily found in the average supermarket, at least try shopping at a store like Trader Joe’s. The marketing genius, has about eighty percent of their product sold under their company name. Even better, I discovered that many of Trader Joe’s private labeled products are made by some of the same expensive name brand manufactures (like Tasty Bites Indian Food).

Learn the Dirty Dozen

The dirty dozen are known as the fruits and vegetables most highly contaminated foods with pesticides and chemicals – even after washing and peeling. They are: celery, potato, imported grapes, cherries, apples, spinach, sweet bell peppers, strawberries, raspberries, pears, nectarines, and peaches.

Heidi Kenney’s Dirty Dozen Cheat Sheet

click picture to print yourself a copy

Buy organic versions of the foods on the list when possible. Compare the store’s ads to find current savings.

Don’t Shop Alone

Warehouse membership stores are now carrying a wider selection of organic products. These are items like organic ketchup, fruit snacks & vegetables, peanut butter and dairy. Organic foods are known to have a shorter shelf life than processed food. So, consider taking a friend to help you split costs, packages, and help you use the product within a proper time.

Do you have any tips for saving on organic foods? Also try your local farmer’s market. I was happy to find organic eggs for $3.50/dozen. Yes, I am vegan most of the time (because I can’t stand industrial farming – but that’s another story), unless I can get my hands on products farmed the real way. πŸ˜‰

(Photo Credit: Wallet Pop)

Health Care Reform: Dependent coverage to Age 26

Remember President Obama’s push for health care reform? I pretty much forgot about it until I received an ‘Important Special Enrollment Notice’ from my health insurance company. And now that most company’s enrollment periods are coming in November, I think its a good time to bring it up for discussion.

On March 23, 2010, President Obama signed into the law the Affordable Care Act. It’s a law that will hold insurance companies more accountable and lower health care costs, offer more health care choices and increase the quality of health care for all of us. Its explained the act will take place in portions and that some of them have already taken effect. Further changes will not be implemented until 2014 and beyond.

The most current change to take place is Extending Coverage for Young Adults . If you are renewing your health care coverage on or after September 23, 2010 this is how the law affects you and your dependents.

Children can remain on their partents’ health insurance policy until they are 26 years old and related special enrollment right

The health care reform law allows you to keep your children on your health plan until they turn 26 years old regardless of their student status, marital status, whether they live with their parents, or are claimed as a dependent on their parents’ tax return, as long as the dependent is not eligible to enroll in other employer provided coverage. “Children” includes natural childrend, legally adopted children, stepchildren, and children who are dependent on you during the waiting period before adoption. Unfortunately, grandchildren are not eligible. If the state you live in provides a higher maximum dependent age, then that requirement will continue to apply.

  • If you want to add dependents to you health plan who are younger than 26 years of age, you have a one-time special enrollment right under the law. If your adult children under 26 was previously denied in the past or lost coverage because they exceeded the maximum dependent age, then they will fall under this enrollment right. The ‘enrollment period’ takes place no later than the first 30 days of your plan year.
  • If you currently have single or employee/spouse coverage and you want to add children, you need to change your enrollment status to one that allows dependents to be added to your contract, such as family or employee/children coverage.
  • If ou are not currently enrolled, but wish to do so to take advantage of the dependent coverage right, you and your adult chilren may both enroll during the special enrollment period if you meet eligibility requirements
  • If you want your children to stay on the plan, you don’t need to do anything
  • If you don’t want to keep your children on your plan until age 26, you will need to contact your employer’s benefits administrator to remove them as dependents under your policy

No more lifetime dollar limits on benefits and related special enrollment right
The Affordable Care Act requires health insurance companies to remove lifetime dollar limits on benefits from all plans. This applies to medical and pharmacy benefits only; not dental or vision.

  • If your coverage was previously canceled because you reached the lifetime dollar limit under your plan, you have a one-time special enrollment right under the law. You can enroll again and be covered without any lifetime dollar limit on benefits. Again, the special enrollment period will take no later than the first 30 days of your plan year.
  • If you are covered by your employer’s health plan now, you do not need to do anything
  • If you are not covered by your employer’s health plan now and are not eligible to enroll during the special enrollment period, contact your employer’s benefits administrator for more information on when you can enroll

I embrace this current change because as we know, many adult children are moving back home due to the collapse in the financial world. I for one, would feel secure knowing my children are still covered if something ill was to take place; not that I embrace them moving back home. πŸ˜‰

There are other changes that have taken place that I am for in this health care reform. There is Expanding Coverage for Early Retirees for Americans who retire without employer-sponsered insurance, but are not yet eligible for Medicare. Or there is relief for four million seniors hit by a gap in Medicare prescription drug coverage known as the ‘donut hole’ (each senior will receive a $250 rebate). And pretty soon you can obtain free preventive care services such as mammograms and colonoscopies with being charged. To see more of the changes, go to It’s quite interesting.

Photo credit: {}

The Instant Millionaire: A Tale of Wisdom & Wealth

by Mark Fisher
Book Review & Giveaway

Do you ever wonder why you read all your favorite financial blogs day in and day out? I feel there are various reasons. One reason might be to learn how to improve our frugal saavy ways. The second reason might be to learn how to invest your money properly to insure a secure future. The third reason… we’re looking for that magic formula to make us instantly rich. Get rich quick headlines always catch our eye. {Don’t tell me you don’t read that stuff. *pshh* You’re reading this post, right?} πŸ˜‰

I admit, I don’t have a get rich quick scheme lurking in this post. But what I do have is the financial tool to set you on the millionaire path. If that is what you chose… keep reading.

You see, financial blogs basically denote the same basic tone or structure:

  1. Get rid of the debt
  2. Save, save, save
  3. Invest
  4. Build wealth

Then, its about finding a blog to read that speaks to us, resonates to our financial values or place in our journey. It’s about finding someone or someplace to share our financial progressions, rants, and questions. Thus building a great bond between reader and blogger {I have met some awesome people this way – all of you!}.

So where was I going with this… if every financial blog or website offers the structure for building wealth, why are we not all millionaires? Why do some people succeed in becoming millionaires while others only dream about it? What do they know that others don’t?

I am going to tell you…

because Millionaires understand and practice the principles of success

Want to learn the “instant millionaire” principles? Read on…

The Instant Millionaire: A Tale of Wisdom and Wealth
(New World Library, August 15, 2010)
written by millionaire Mark Fisher

Millionaire Mark Fisher writes this memorable fable based on the true story of his meeting with an old man who passed on his secrets of success.

In practical, ready-to-implement lessons, the “instant millionaire” shares the ideas and actions that can give anyone the mentality of a millionaire {really, its pretty good stuff}. Here is a tidbit of the book’s supportive wisdom:

  • “To get rich, you have to know the secrets of wealth. Most people aren’t ready to accept these secrets even if they are revealed to them in very simple terms. Their greatest limitation is their own lack of imagination.”

    I truly believe the reason most of us don’t acheive true wealth is because people keep a closed mind. The adage, “we are our worst enemy” stands true. Open your mind to seizing opportunites and taking risks.

  • People who waste time waiting for the perfect conditions to fall into place never get anything done. The ideal time for action is now!”

    The fable tells, “If you want to succeed in life, you have to make sure you have no choice in the matter. You have to put your back against the wall. People who vacillate and refuse to take risks because they don’t have all the elements in hand never get anywhere.” (pg 22).

    I agree with that last sentence. I used to be known for never starting something because I wanted to be successful right from the top. In fact blogging has taught me a great deal about putting one foot in front of the other. Just as Dave Ramsey guidance gave me the snowball method to be successful in paying down my debt and building my net worth.

  • “Everything that happens to you is a product of your thoughts. So if you want to change your life, you must start by changing your thoughts.”

    Have faith! As the fable continues, “I must warn you that becoming a millionaire will probably seem to easy. But don’t let simplicity deceive you. Each time you begin to have doubts, remember Mozart: true genius reside in simplicity. With time, as wealth magnetically attracted to you in the most unexpected way, you’ll begin to understand.”(pg 36)

  • “The simple act of putting your goals, deadlines, and sums on paper is the first steps toward transforming your ideal into its material equivalent.”

    Hello?! We all write down our goals. You keep a budget, right? And a net worth sheet? We already have a great roadmap to guide us! So answer this, “how much do you expect to earn next year?” or if you are paying down debt, “how much debt do you plan to pay down by next year?”. Most successful people can tell you on a dime. If you couldn’t answer, up your goal one by listing an amount and making a deadline for reaching it {example, I plan to pay off an extra $5,000 of debt by July 14, 2011. Be precise.}

Of course, I can’t tell you all the awesome principles told in this fable. It’s for you to seek the remaining ready-to-implement lessons and put them into practice {magic word, ‘practice’}. The fable has similarities to The Richest Man in Babylon. Which means, the book’s 121 pages gives you the core structure for acheiving wealth. That the secret to becoming a millionaire doesn’t take a library of books to learn. Just one book and a couple of hours. It’s known as the “instant millionaire” because the young man grasped the true secret of making a fortune overnight. And so can you. What are you waiting for?

Kim from New World Library is making a copy available for a giveaway! To enter do one of the following:

  • ReTweet the book review
  • Follow me on Twitter
  • Sign up for my RSS Feed
  • Comment if were you able to answer the question above with your specific financial goal for next year with an exact date?

Each task is an entry. Complete them all for an increased chance of winning! Since I don’t get back from camping until Monday night… will leave the giveaway open until Tuesday, September 14th. Look forward to hearing if you were able to answer your financial goals on a dime! Oh ya, and leave a comment telling me what you did to enter the giveaway!

The Instant Millionaire: A Tale of Wisdom and Wealth

*Financial Samurai is hosting a Book Review & Giveaway: The Simple Dollar by Trent Hamm. It has a fantastic interview between Sam and Trent. Be sure to check it out!

This giveaway has ended