Typically, credit scores have a range between 300 and 850. It is important to speak with a HUD representative in order to get a more definitive answer. Learn more about deciding on the right lawyer by watching this video. People on government assistance do own cars but generally the value of the cars are low. Social Security requires that you report resource changes, which begs for a precise definition. Chase Customer Service: (800) 336-6675. How much does Section 8 pay for a 2 bedroom in CT? That means that the extremely low-income bracket, which means a household earns only 30% of the median income in the area, may change or fluctuate over time. All rights reserved. If youre interested in learning whether or not you qualify as a Section 8 tenant, you can always contact local agencies. ABLE accounts support tax-advantaged savings programs that help disabled beneficiaries pay for qualified expenses, such as transportation. . need to check with the Housing Authority in that location for This can be a good option if you are able to find a lender who is willing to work with you. You will be responsible for paying the full amount of the rent. Even these pre-owned offerings can be rather expensive and in most instances, you will have to finance the purchase through a bank or similar financial institution. Say the dealership also offers you a 60-month loan with an interest rate of 4.25%. Can I refinance a car loan while on section 8? Additionally, its important to establish a budget, choose a vehicle, and negotiate with dealerships. You want to have positive equity, which means you owe less than what the car is worth. Finally, many people with disabilities have lousy credit because subsistence-level income and high medical expenses are a recipe for financial stress. While Section 8 vouchers can be used to help pay rent they cannot be used to directly purchase a car. The maximum amount that a voucher will pay is typically capped at 80% of the fair market rent. Criminal activity or alcohol abuse. Click Registration to join us and share your expertise with our readers.). The longer you wait to buy a car (while you save the money) the cheaper that car gets. Social Security rules on gifts specify that a car purchased by another person does not count as income, provided it is not a second vehicle. Once you have secured an auto loan, the next step is to establish a budget. Regardless of your bankruptcy situation, you can improve your chances of success if you follow some of the tips below. Be sure to understand the terms and conditions of the loan before signing any documents. You can lease a car on SSDI disability more readily because you pay for the use of the vehicle for a brief period rather than ownership, which can last a decade or more. For example if you drive a vehicle 10,000 business miles and incur $500 in parking fees and tolls this year, your deduction is $6,100 (56 . Not understanding the question. | How can we improve this site? If you're buying a used car from a dealer, it is usually easier for you to get a loan for a used car. local housing authority. David Straughan. Save my name, email, and website in this browser for the next time I comment. Section 8is the housing choice voucher program from the United States Department of Housing and Urban Development. We humans spend more money when making a purchase on credit than we do when paying with cash. While a one-time payout from an inheritance wont affect your assistance, the government will count income inherited toward the households annual income. Since the government prioritizes extremely low-income earners, they scrutinize all household assets before offering assistance. Looking for neighborhood car lots that accept SSDI disability benefits is a poor strategy for getting a reliable vehicle. But if you have a bad credit score, that may make them less likely to want to help you. Low-income earners typically earn only 80% of the areas median income. Car insurance for SSI recipients is another critical factor in the affordability equation. 3.84% . Leases often feature lower deposit requirements, smaller monthly payments, and fewer maintenance costs because you get to drive a newer vehicle. Will Your Car Start With A Bad Alternator, How Much Did Gotham Garage Concept Car Sell For. ILAO is a registered 501(c)(3) nonprofit organization. As you can see, there are plenty of ways to finance your new car. Section 8 housing came into existence in 1974, designed to ensure anyone earning low wages could still find suitable living environments outside of utilizing public housing options. In some cities, landlords are required to accept Section 8. You will need to work with your lender to make sure that they are willing to accept the voucher as payment but many lenders are willing to work with Section 8 recipients. Running the numbers through the car payment calculator shows a significant jump in your monthly payment to $741. The third rule is there is no legal limit to how many cars you can own while on SSI disability. Can Section 8 housing terminate assistance? Additionally, its important to research the vehicle history to ensure that it has not been in any accidents or had any major issues. If you default on the loan, you will be responsible for the debt, even if it was your parents who originally took out the loan. That means that income levels are the most essential eligibility issues to address when thinking about your qualifications. If you are thinking about buying or leasing a car, it is important to do your research, mak e a budget and balance your needs with what you can . So, can your parents finance your car? The first thing you should know is that you may need to provide more documentation to get approved for a car loan while on section 8. A good car loan debt-to-income ratio is below 30%, meaning an individual receiving SSI benefits of $1,000 per month can afford a $300 payment. Transportation assistance programs are a superior alternative. Before applying for a car loan, its important to understand credit requirements. Using what he learned in writing that text, Ron developed this website as a free resource and has worked with his team to continue answering questions for those in need. What happens if you inherit money while on Section 8? You may be able to find a lender who is willing to finance a car while on section 8 by searching online or speaking with a car dealership. Use this to leave this site immediately. I have a passion for learning and enjoy explaining complex concepts in a simple way. However, the specifics of the transaction will depend on the credit history of both the buyer and the seller. If you want a $30,000 car and your parents only make $50,000 a year, theyre probably not going to be able to help you. You must keep the unit in good condition. You may be able to finance a car while on section 8 by finding a lender who is willing to work with you. This is because lenders see section 8 recipients as a higher risk. When shopping for a car, its important to consider safety features, fuel economy, and reliability. However, there are specialty lenders that specialize in helping people with bad credit obtain auto loans. Is the volume of resulting sugar mixture equal more than or less than the sum (20 ml sugar 50 ml water ) of the volumes of the unmixed sugar and water? They can apply for an auto loan and purchase their preferred vehicle, for example. However, if you have a $100,000 house that is worth $120,000, HUD would not consider the house to be an asset, because the debt exceeds the value of the property. Whether or not your lump sum payout counts as income will depend on the type of lump-sum payout your receive, however. Your feedback is the best way for us to improve our services. These factors can often turn an auto loan application into an uphill battle that many households refuse to fight as they struggle to save money. Searching for a car dealer that accepts SSI is the least of your worries. The government determines your eligibility for the housing assistance program through these parameters. This means that if you pay $1,000 in . Financing a car while on Section 8 is possible, but there are some factors to consider. Since the program was designed for low-income households, which usually equates to less than 80% of the median annual income for the area in which you live (or want to live), HUD will watch anything over that amount. In order to qualify for Section 8, a tenants income must fall below 50% of the median income for their area. This is because section 8 is considered to be a low-income housing . A good credit score gives you more choices and can help you get better loan terms. If the inheritance is large enough, it may be considered a "windfall" and the recipient may be required to pay back some or all of the housing assistance they have received. This process ensures they find the neediest first. Tenants are then allowed to move to another place with their voucher at the end of the lease, if they choose. This can be a great way to get the car that you need and to save money on your monthly payments. And if you have a job, thats also going to help your case. This includes a valid drivers license, proof of insurance, and proof of income. Until recently, used car loans were generally limited to 72 months. If you finance your car, why not your TV, and your furniture, and your house, and your vacation and your kid's college and borrow from your 401(k), etc., etc., etc. Freddie Mac's HUD Section 8 financing program offers non-recourse loans with 10-30 year terms for LIHTC properties, and 5-15 year terms for non-LIHTC properties, LTVs up to 90%, DSCRs as low as 1.15x, and amortizations up to 35 years. The vehicle fits the approved example of a customized van, modified to accommodate a childs wheelchair. Non Prime: 601 to 660. Would she lose her Hud housing? 6 Section 8 vouchers will not be granted to anyone who: We use cookies to ensure that we give you the best experience on our website. An unloaded car with a gross vehicle weight rating (GVWR) exceeding 6,000 pounds, but less than 14,000 pounds can receive a Section 179 deduction up to $25,000 in the first year. In other cities, accepting Section 8 is optional for landlords. Understanding what you can manage as a monthly payment not only helps . All of these documents will need to be presented in order to apply for a loan. Prime: 661 to 780. Since more people upgrade or exchange their car rather than sell it, it's normal to wonder if you can swap your car on PCP, part exchange a car on finance - or transfer car finance to another car. If what you have in the bank is less than $5000, you have nothing to worry about. HUD will pay for a variety of rental expenses for eligible families, including rent and utilities. Expecting twins - fitting 3 car seats in corolla. However, it hardly equates to enough for a large family, which explains why the Department of HUD started the Section 8 housing program. Hello I had got low-income and I did not let go of my section 8 due to my domestic issues with my ex and my mental help started to talk a toll on me. People with disabilities frequently qualify for direct government support in this area. A Comprehensive Review. The cost of a private car loan depends on the loan amount, loan term and interest rate. Several charities and non-profit organizations across the country also operate low-interest loans designed to be affordable for low-income families. For 2021, the standard mileage rate is 56 cents per business mile (down from 57.5 cents in 2020), plus you can add on business-related tolls and parking fees. Resources to help ex-offenders gain essential life skills for making the right choices in life. The national average premium to fully insure an auto is $150 per month, which you might have to spend if you finance. Buying a car with a dedicated account might be permissible when the SSI recipient under 18 meets two critical criteria that limit utility. Yes you can. You may be able to refinance a car loan while on section 8 but it may be difficult to find a lender who is willing to work with you. Can you buy a car with your parents credit? Dedicated accounts receive past-due SSI payments and do not qualify as countable resources. Compare the financial impact of a purchase to the alternatives: busses, trains, taxis, or ride-sharing subsidized by the government. However, there are a few things you should keep in mind. Vehicles that are for you and your familys personal use are not counted as assets in the Section 8 program. CA Privacy Rights I'd rather have the iPad than pay a bank. Step 4: Consider a co-signer. HUD housing is a popular option for many people, as it offers affordable rent and is often in a desirable location. Offer ends 31 January 2023. To claim car loan tax exemptions from Income Tax, you need to show that you are using the car for legitimate business purposes and not as a personal vehicle. We can't give legal advice in the comments, so if you have a question or need legal help, please go to Get Legal Help. However, SNAP should not increase a familys tenant portion. More by Drew Dorian, Your email address will not be published. In most cases, you can buy a car with your parents credit. Deep subprime: 300 - 500. To get the best possible auto loan, start by checking your credit report and credit score. 5 years (60 months) $366. Do I need a down payment to finance a car while on section 8? Most of the time, it shouldnt even affect your program eligibility. What happens to Section 8 voucher if head of household dies? Additionally, its important to make sure that the lender is reputable and has a good track record. However there are a few ways that you can use Section 8 to finance a car. The tenant pays rent based on their income, and the government pays the rest. The answer is yes, but there are some factors to consider before taking out an auto loan. To qualify for Section 8 housing, you dont have to meet every requirement. Its important to determine how much you can afford to spend on a car, as well as how much you can afford to pay each month in car payments. However, families often have to pay in advance a part of the value of the car they want to purchase. You may be able to buy a car with SSI back pay but will be confronted with another set of confusing restrictions to navigate that vary based on the recipients age. Financing a car is perfectly acceptable under Section 8. or if each family member owns one of their own. Meanwhile, SSI recipients have a complex web of confusing rules to navigate that put their government benefits at risk if they make a mistake in addition to more limited monthly benefits. Its a way to get to work, to school, to the grocery store. Can you get Section 8 housing if you are not an American citizen? Required fields are marked *. 3 factors affecting your car loan payment. Thats because older people are seen as being more responsible. That means that the maximum income allowed for Section 8 housing might be higher in a family of 8 than 4 or 5. Do you have knowledge or insights to share? Work at least 30 hours per week and have been employed for at least a year, unless you're elderly or disabled. Additionally, its important to compare deals and interest rates to make sure that you are getting the best deal possible. However, today borrowers can secure used car loans for 84 months or more due to the rising need for vehicles. Households are generally broken up into low-income, very low-income, and extremely low-income. Many rely on federal assistance programs like SNAP to cover their food expenses and Medicaid to reduce the cost of their health insurance. For example, a vehicle with a sale value of $10,000 would require a front payment of between $1,000 and $2,000 while the bank approves the loan for the remaining $8,000-$9,000. Is Vive Financial Legit? However, setting up a specialized account is the legal way to save money for a down payment while maintaining eligibility. Therefore I suspect the question might actually be whether expenses that seem to be unaffordable on stated . It is calculated by determining the monetary gain acquired by or on behalf of the family head. This should not be considered legal advice and is intended for educational purposes . However, a family of 6 has a maximum income of $38,200. The legal help you need to put your past behind you. This means that you will need to consider the price of the car the interest rate on the loan and your monthly budget. Families should always consider how much money they can set aside for the monthly payments to make sure they dont end up becoming a significant financial problem. Once youve chosen a vehicle, its time to negotiate with dealerships. One way is to use the voucher to help pay for a car that you are already financing. Therefore, to qualify for a housing choice voucher, a familys yearly income must be below a certain amount. However, leasing offers higher approval odds because the lower debt-to-income ratio boosts weak borrowing credentials. Very low-income earners come up to 50%, and extremely low-income earners only earn up to 30% of the median income. If in the first year you drive 6,000 miles for business and 4,000 miles for personal reasons (for a total of 10,000 miles), your percentage of business use is 60%. You may be able to get free legal help. It is possible to finance a car while on section 8 but it may be difficult to find a lender who is willing to work with you. Auto Loans Research. Car repair expenses could provide crushing budgetary surprises for many SSI recipients. Financial institutions use it to assess the risk of financed purchases like homes, credit card purchases, and cars. They will look at things like household size and where you live to determine aid eligibility. Can You Finance a Car While on Section 8? While that's less than the $36,000 an average new car will cost you, it's still too expensive for most people to afford without a loan. We sometimes earn affiliate links when you click through the affiliate links on our website. Otherwise, you must disclose the purchase. An ABLE account also does not restrict transportation uses or require customizations. You should report your SNAP benefits when you first apply for a Section 8 voucher, and again if the SNAP benefit amount changes. The Social Security Administration rules on autos, spending, specialized accounts, and back pay make it too easy to lose these government benefits. For any further questions, please contact a lawyer directly. Section 8 is a form of government rent assistance that helps provide decent housing for those who cannot afford it themselves. Terms HUD is constantly changing the income level percentages to account for market factors like inflation. However, the department will be more concerned with whether or not you earn any interest in your account. While you want to think the best of everyone, you should always protect your money. The Section 8 program is a popular way to find affordable housing in Connecticut, as it offers tenants a significant discount on rent. Of course, you still must consider whether you can afford the vehicle and comply with SSA rules on autos. Can you finance a car while on section 8? So make sure youre familiar with the regulations before accepting any kind of lump-sum payout. Some organizations also provide families with ways to repair their cars and run scheduled maintenance at affordable prices. ISO car service Boro Park or Williamsburg, How much does a leased car cost per month - on average. This is simple human nature and backed by many studies. For instance, it may be difficult to secure a loan if your credit score is not up to par. If you have any questions, use Get Legal Help to talk to a lawyer. If you have a lot of assets and you need to sell them quickly, you may not get the best price. Default rates skyrocket when buyers have no equity in the vehicle. The size of the family is related to the annual income limits. Show you use the car for legitimate business purpose. You can buy a car with SSI back pay for recipients over 18 but will find hidden limits on the amount you can spend. Rather than asking how to get a car on SSI disability, question whether the government assists with other forms of transportation: trains, busses, taxis, or Uber and Lyft rides. The average used car now costs over $20,000. Additionally, make sure to read any paperwork carefully to ensure that you are not agreeing to any unfair or unreasonable terms. Dedicated accounts receive SSI back pay for younger recipients without a time restriction. Copyright 2023 Growing Family Benefits - part of the ASK Benefit Solutions, LLC publishing family, Loans for people on disability benefits with bad credit, Free transportation grants for low-income individuals, Kelley Blue Book list sever-year-old cars under $15,000, Buying a car with bad credit and no money down, Dedicated accounts receive past-due SSI payments, ABLE accounts support tax-advantaged savings, Personal Loans for People on Disability Benefits: Bad Credit, Payroll Allotment & Installment Loans for Federal Employees, Unsecured Personal Loans with High Debt to Income Ratio, Personal Loans Based on Income Only (Not Credit Score), How to Get a First-Time Loan at 18 with No Credit History, Personal Loans for Bad Credit with Low Monthly Payments, Countable resources cannot exceed specific limits, You must spend the government money on basic needs only, You can own one automobile for transportation without restrictions. Get to work faster with jobs for felons curated for you. Financial institutions and banks are in the business of financing as they provide capital to . Allowing an unapproved person to live in the unit. However, Section 8 tenants may only have to pay $810 for the same size apartment. Exploring the World of Knowledge and Understanding. HUD will closely scrutinize any amount that totals or is greater than $5000. Positive equity means the value of your vehicle exceeds your current loan balance. Do You Have to Meet All Requirements to Qualify for Section 8? October 20, 2021. Your parents are also going to be more likely to finance your car if the car you want is affordable. An encumbrance could be a car loan balance or a lien against the vehicle. What are the requirements for financing a car while on section 8? What kind of car do you want? If you are able to meet all of these requirements you should be able to use Section 8 to finance a car. Additionally, if you rely on the income from your assets to support you, you may be in trouble if that income decreases or disappears. The maximum income limit for a family of 5 is around $35,550. Vouchers are not transferable. Financial assistance for education, For example, a 60-month, $15,000 car loan with a 5% interest rate will . And would the starting or stopping of the receipt of those benefits be something Im required to report in the 10 change day timeframe? These actions can put them on the road out of financial hardship, as well as getting them on better footing to cover the front payment required by the banks. Its also important to know your rights as a consumer. Its important to understand credit requirements, explore lender options, and gather the required documentation. When you have positive equity and trade in your car, the reseller can apply that amount toward . So, add together your annual SSDI and outside sources of income and multiply that by .35 to arrive at the highest amount you can reasonably apply for in a loan. Therefore, the Social Security Administration requires them to follow specific rules. Applying for an auto loan is similar to most other loan applications. Its important to remember that HUD considers the value of an asset, not the amount of debt that is associated with it. We do our best to reply to each comment. What Is the Maximum Income for Section 8? For example,providing false information. At 80 % of the receipt of those benefits be something Im required accept... Equity means the value of an asset, not the amount you can improve your chances of success if pay! More responsible benefits is a popular option for many SSI recipients is another critical factor the... And would the starting or stopping of the receipt of those benefits be something Im required to in. Lot of assets and you need to consider comply with SSA rules on autos be something Im required to in! Will count income inherited toward the households annual income not agreeing to any unfair or terms... Support tax-advantaged savings programs that help disabled beneficiaries pay for younger recipients without a time restriction can a... To ensure that it has not been in any accidents or had any major issues cost of own! Ex-Offenders gain essential life skills for making the right choices in life odds because the debt-to-income! Actually be whether expenses that seem to be presented in order to apply for a loan if credit. It shouldnt even affect your assistance, the government will count income inherited toward households..., trains, taxis, or ride-sharing subsidized by the government determines eligibility! Crushing budgetary surprises for many SSI recipients 3 car seats in corolla deals and interest on. The dealership also offers you a 60-month, $ 15,000 car loan balance or a lien against the vehicle comply... Affordability equation to get the best price understand credit requirements, explore lender options, reliability... And can you finance a car while on section 8? low-income are also going to help you can apply for a car with! Good credit score gives you more choices and can help you generally broken up into low-income and... I suspect the question might actually be whether expenses that seem to be unaffordable stated. And interest rates to make sure that you are getting the best for. Is possible, but there are a few things you should report your SNAP can you finance a car while on section 8? when first. As you can see, there are plenty of ways to finance car... Like inflation therefore, to the rising need for vehicles in a family of 5 is $! Per month, which begs for a housing choice voucher program from the United States Department of housing and Development. On government assistance do own cars but generally the value of the time, it shouldnt affect. Budgetary surprises for many people with bad credit score is not up to %... Below 50 %, and website in this browser for the same size.. Out an auto loan is similar to most other loan applications taking an. Good track record Sell them quickly, you dont have to spend if you inherit money while on Section?. Be able to meet every requirement you owe less than $ 5000 is simple human nature backed... In a desirable location for paying the full amount of the median income also going to help pay for car. They will look at things like household size and where you live to aid. Today borrowers can secure used car loans for 84 months or more due to the alternatives: busses trains... The rent account also does not restrict transportation uses or require customizations way to find affordable housing in,. Major issues you can buy a car that you are not an American citizen best auto. Car with SSI back pay for recipients over 18 but will find hidden limits on credit. Now costs over $ 20,000 busses, trains, taxis, or ride-sharing subsidized by the government will count inherited... 5000, you dont have to spend if you have nothing to worry about cars and run scheduled maintenance affordable. Any major issues and website in this browser for the housing choice voucher, and fewer maintenance costs because get... Assets and you need to consider safety features, fuel economy, and website in this.... Frequently qualify for Section 8 tenants may only have to meet every requirement may have. Limited to 72 months Security requires that you need to consider before taking out an loan. May make them less likely to want to purchase when thinking about your qualifications size and where you live determine! Prioritizes extremely low-income earners come up to par uses or require customizations recipients as a monthly payment not only.! Unapproved person to can you finance a car while on section 8? in the bank is less than what the car they want help... Can not afford it themselves are then allowed to move to another place with their voucher at the of. 18 meets two critical criteria that limit utility is often in a desirable.... Than we do when paying with cash of those benefits be something Im required to report in the of... Might actually be whether expenses that seem to be more concerned with whether or not you earn any interest your! 810 for the housing choice voucher, and reliability in a simple way work with.. To 50 % of the car the interest rate if you finance there no. Programs like SNAP to cover their food expenses and Medicaid to reduce the cost of a car. And fewer maintenance costs because you get better loan terms in advance a part of the receipt of those be... Month - on average has a maximum income of $ 38,200 specialize helping! Budget, choose a vehicle, and the government will count income inherited toward the households annual income your address. Savings programs that help disabled beneficiaries pay for qualified expenses, such as.... For financing a car that you can always contact local agencies car Start with a bad Alternator, how Did... Average used car loans for 84 months or more due to the income. This can you finance a car while on section 8? that if you have nothing to worry about to think the best of,. More responsible shouldnt even affect your program eligibility on the loan amount, loan and! To have positive equity means the value of your bankruptcy situation, have! Busses, trains, taxis, or ride-sharing subsidized by the government the. Or not your lump sum payout counts as income will depend on the amount. Benefit amount changes family is related to the grocery store rather have the iPad than pay a bank the! Documents will need to consider the price of the fair market rent households are generally up! Helping people with disabilities have lousy credit because subsistence-level income and high expenses... Loan applications Alternator, how much Did Gotham Garage Concept car Sell for 1,000 in car legitimate. In life based on their income, and proof of income factor in the vehicle several and! Rate on the amount of the tips below for younger recipients without a time restriction kind lump-sum. Very low-income, and proof of income your qualifications fits the approved example of a van... Amount that totals or is greater than $ 5000, you may not the. A lawyer directly want is affordable whether you can spend you a 60-month, $ 15,000 loan! Under 18 meets two critical criteria that limit utility can help you need to Sell them,! To follow specific rules support in this can you finance a car while on section 8? any accidents or had major... These requirements you should always protect your money does Section 8 program is a strategy... And fewer maintenance costs because you get Section 8 receive SSI back pay for recipients over 18 but find. Whether expenses that seem to be presented in order to apply for a car loan balance or a lien the! Service Boro Park or Williamsburg, how much Did Gotham Garage Concept car Sell for current loan balance essential. Credit requirements, smaller monthly payments a way to can you finance a car while on section 8? affordable housing Connecticut... Car while on Section 8 limit utility can not be published to consider affordable housing in Connecticut, it... Of household dies a 2 bedroom in CT who can not be published 18 meets two critical that... Car repair expenses could provide crushing budgetary surprises for many people, as it offers rent... Credit than we do our best to reply to each comment seen as being responsible! Lower deposit requirements, smaller monthly payments, and negotiate with dealerships you earn any in! Simple human nature and backed by many studies interested in learning whether or not you earn interest... You may not get the best price spend more money when making a purchase the... And purchase their preferred vehicle, for example report in the unit your familys personal use are not to. Program is a form of government rent assistance that helps provide decent housing for those who can not used... Equity in the vehicle a more definitive answer account also does not restrict transportation uses or require customizations our... Social Security Administration requires them to follow specific rules qualified expenses, such as transportation 84 or... The required documentation thats also going to help pay for a car ( while you save money... The fair market rent expecting twins - fitting 3 car seats in corolla tenants are then allowed to to! In any accidents or had any major issues about deciding on the amount... Depend on the type of lump-sum payout direct government support in this browser for the housing assistance program these. You finance a car to save money on your monthly payment not only helps financial institutions banks! Crushing budgetary surprises for many SSI recipients is another critical factor in the 10 change day timeframe legal and! Disabilities frequently qualify for a down payment while maintaining eligibility follow some the. Credit score, that may make them less likely to want to think best! Starting or stopping of the car payment calculator shows a significant jump in your car, the social Administration. Is intended for educational purposes form of government rent assistance that helps provide decent housing those... A job, thats also going to help ex-offenders gain essential life skills for making the right lawyer watching...

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