Well, the unthinkable happened yesterday, and I wished I had been more prepared for it. I somehow managed to fall off the 4-inch step on my front porch and broke my left ankle and right hand. That combination makes getting around most difficult as I can't use crutches. The doctor says to stay in bed for a week with my foot propped up higher than my heart to prevent swelling. No piano work for about 6 weeks. This whole incident reminds me about being self-employed. How importatnt it is to have savings in the event we can't work. I have never been a good money handling poster child, but did take advantage of contributing 11% of my salary into a 401K plan for several years during the early 1990s when I worked for a dealer. Thank goodness for this cash backup if I need it! My point is that it is always a good idea to put SOMETHING back as you would probably never miss $5 per tuning and you certainly NEVER know when an accident might happen to you. Be prepared! Carol Beigel Greenbelt, Maryland
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