Smart Money – Make Insurance a Non-negotiable Expense

I’ve written before about certain milestones that signify the one-way, no-turning-back transition into adulthood; purchasing a brand new bed (this is HUGE!), making a will, solving problems with wine, admitting that Friday nights in with Netflix trumps all etc, etc.

Possibly preceding all other mature financial decisions is the realisation that we need to protect the things we love and those we’ve worked hard to acquire.

We need to insure our stuff.  Fact.

My initial experience with insurance was when I took proud possession of my first car – a 1977 Ford Escort Station wagon purchased for me by my parents.  They insured the car for me with their provider and I kid you not, 20 years later our vehicles are insured with the same provider!

Convenient?  Yes.  Smart?  Maybe not.

I had a firm perception that shopping for insurance was a boring, expensive, confusing and arduous exercise – possibly why I hadn’t bothered to shop around for my vehicle policies in over 20 years lol?!  Forget the ‘need’ for a broker and forget about ‘Insurance Apathy’, it’s easier (and more important) than you think to get your insurance ducks in a row and do it at a great price.

Continue reading Smart Money – Make Insurance a Non-negotiable Expense

Recipe | Shortbread Christmas Tree Stacks

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Shortbread Recipe

Baking with kids is awesome at any time of year but the mess is exponentially MORE enjoyable when you get the littlies in the kitchen at Christmas time.

I bake shortbread every Christmas to gift to our neighbours, my Scottish Pop, kindy teachers and anyone else who needs a little sweetening up after putting up with us for the past year.  It’s easy, inexpensive and, let’s be honest, who doesn’t love a recipe with four ingredients?

Shortbread is my kind of cookie.

Last year I really stepped up my Christmas Shortbread game with the addition of a set of star-shaped cookie cutters I found at a large retailer whose name starts with K – I can’t remember which store it was so good luck with your search ok?

Once baked and cooled, stack your shortbread into the most delicious Christmas tree ever, tie with baker’s twine and wrap with cellophane if necessary.  Stack two or 3 of each size shortbread for an impressively simple centerpiece on your Christmas dessert table (this would also work with a set of square or round cookie cutters if you have those instead).

Aren’t you clever?!  Here’s how to make it happen;

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Shortbread Recipe

Shortbread Recipe

Originally published online at

250g butter, softened
3/4 cup Chelsea Icing Sugar
1/2 cup cornflour
1 1/2 cups standard flour
Chelsea Coffee Sugar Crystals for decoration

Preheat oven to 150°C bake (140°C fan forced).  Grease oven tray or line with baking paper.

1.  Beat butter and icing sugar until pale and fluffy.

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Shortbread Recipe

2.  Mix in cornflour and flour until the mixture comes together and forms a dough.  

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Shortbread Recipe

3.  On a floured surface, roll out dough to 1 cm thick and cut into shapes using biscuit cutters.

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Shortbread Recipe

Alternatively, roll dough into a log and slice into rounds, using a floured knife to prevent sticking. Sprinkle with coffee sugar crystals if desired and press down gently.  

4.  Place on prepared tray and bake 25 – 30 minutes, until shortbread is pale but crisp. Cool on a wire rack and store in an airtight container.


Make a Shortbread Christmas Tree!

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Shortbread Recipe

Win with #ChelseaSugar this Christmas!

Whipping up treats to enjoy and share over Christmas is so much fun and something you can easily get the kids on board with.  To help get you and your family in the kitchen over the holidays, I have a $50 Chelsea Sugar Prize Pack to give away to one reader!

To enter, just comment below with your favourite, homemade Christmas treat.  

Competition closes 22/12/16 residents only.



That Retail Life – What’s Hot this Week + Win!

I’m seeing a lot of awesome new products each week so thought it was about time I curated these new releases into a regular ‘Hot List’ that’s short and snappy, giving you guys the lowdown on the latest and greatest from brands we love.

What’s New  – December #1

Farrah’s Super Duo – Chia and Quinoa and Sprouted Grain wraps RRP $5.49New Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Farrahs Wraps

Many of us try to lighten up our menus over summer and some brands are just the perfect partners for a pantry makeover.  Farrah’s is one such brand, one our family LOVES as we go through multiple packs of their amaze, no-split, no-crack wraps each week.  Made using super grains and sprouted grain flour with the addition of chia seeds and quinoa, the latest two varieties to join the Farrah’s wrap family are indeed a Super Duo.

WIN with Farrah’s!

I have 3 Prize Packs to give away each containing;

  • Farrah’s tote bag
  • Farrah’s Chia & Quinoa wraps
  • Farrah’s Sprouted Grain wraps

To enter just leave a comment below and tell me how you’d get creative with your delicious wraps.  Comp closes 16/12/16, NZ residents only.

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Mellow PaletteTararua Dairy Co. Dips with Bits RRP $4.49

I wasn’t sure that classic Kiwi Onion Dip could get any better but the proof is in the pot.  Dip is better with bits. FACT.

Tararua Dairy Co. have kicked summer off with three new delicious dips that will take the average pack of ready salted chips to new heights as we hit the entertaining season.  Find the tasty trio of Dips with bits in stores now; The Classic Kiwi Onion, The Smokey Cheddar & Red Pepper, and The Mexican Chipotle & Lime.  Yum!

Old El Paso Whole Grain Stand n Stuff Tortillas RRP $5.99New Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Mellow Palette

Our family is bananas about tacos and in particular we LOVE soft tacos.  Old El Paso has added preservative free Whole Grain Stand n Stuff Tortillas to their range of Mexican flavours and they are just as soft and delicious as we’ve all come to expect from this brand.  We couldn’t wait to try these and whipped up some tacos as soon as they arrived.  Ethan, in particular, loves these as he struggles with the mess of regular tacos, I love them because they are just so damn tasty!

In supermarkets nationwide.

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Mellow Palette

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Good George CiderGood George Scarlett Cider RRP $14.99 946ml Squealer (and on tap in selected bars)

Summer + cider = winning.  The good peeps at Good George Brewing have bottled summer in their limited edition Scarlett – apple cider and juicy Scarlett O’Hara peaches combine without any creepy fur ::::shiver::::: peach fur itching your chin is the worst!

Don’t miss out on this babe-town drink as it’s only available over summer.  Squealer too big?  Don’t fret, the bottle is resealable so you can share with friends or enjoy it over a couple of days.

Available in selected bars, good liquor stores, and specialty outlets.

Ice Age 5: Collision CourseNew Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Good George Cider

Just in time for Christmas (and those rainy summer days we always get around New Years!), our favourite prehistoric heroes are back for another adventure.  The 5th chronical in the famous franchise sees Scrat kick off a chain of events that put everyone in jeopardy.  Teamwork is required in this hilarious adventure that introduces new characters and reunites us with our old pals Buck, Manny, Ellie, Sid and Diego.

Available on Blu-Ray, 3D Blu-Ray and DVD.

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Kindness and Courage Book StarshipKindness, Courage, and more Uplifting Stories RRP $20

A Christmas gift with a meaning and a message is a rare thing indeed and this delightful compilation of stories might just provide some context for many of us during this holiday season.

Written by the winners of the Barfoot & Thompson Young Authors Challenge and illustrated by some real kiwi icons (Keven Mealamu, Otis Frizzell, Benny Tipene and more), all proceeds from book sales go to the Starship foundation.

Nixon has had numerous stays in Starship and the support services offered by the Foundation to families and patients is invaluable.  This gorgeous book of short stories is gifted to children who spend a night in Starship or Whangarei Children’s Hospital and is available for purchase here.

Lonvitalite 24K Gold & Collagen Eye Mask RRP $31.95 per 6 packNew Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Kindness and Courage Book Starship

Much beloved salon brand Lonvitalite is available in NZ so we can all get closer to those amaze gold eye masks than the many #LonSelfie shots on Instagram!

Targeting dark circles and fine lines under the eye, Lonvitalite 24K Gold and Collagen eye mask is a mummy must-have receiving rave reviews and I can’t wait to try it out this morning. Available in selected salons and spas or online here.

New Zealand's Top Mummy Blogger Parenting Travel Blog Family Retail New products Mellow Cosmetics Treasure Chest PaletteMellow Cosmetics Treasure Chest Eye Palette RRP $34

Seriously, this palette is a thing of beauty!  I’m slowly building up my Mellow collection and love the brand more with each new addition.  Including 12 shades, Treasure Chest is the perfect addition to any beauty-lover’s Christmas stocking.  

Like the entire Mellow range, Treasure Chest was designed in New Zealand and is vegan and paraben free.

Pro Tip – try the Liquid Lip Paints, they are amaze!  Shop Mellow here x

The Ultimate Under $20 Gift Guide

New Zealand's Top Mummy Blogger Parenting Travel Blog Stocking Fillers Christmas

‘IF’ I was an organised shopper and had nearly finished purchasing, wrapping and hiding gifts (I’m not, I’ve barely begun my Christmas Shopping!), then I’d probably be ready for the fun of filling the stockings with those ‘little’ things that often bring some of the biggest smiles on Christmas Day.

I think a really good Christmas stocking is a combo of those things your recipient needs, but always forgets to buy, wants (but may not need) and fun things they just straight up don’t know they want or NEED lol.

Plus scorched almonds of course – don’t forget those.

So, I’ve done the legwork for you here and put together the Ultimate, never to be bested, Guide to Stocking Stuffers under $20.  These items are all in stock at Not Socks (at least until you guys go shopping and clear them out!) and are ready to be hustled over to your place, in time for Santa’s arrival.

Have a browse and look out for how to win yourself a $50 voucher to spend at Not Socks this Christmas!

New Zealand's Top Mummy Blogger Parenting Travel Blog Stocking Fillers Christmas

Waterproof Phone Bags $19.95, Simple Sucker Phone Mount $14.95, Chocolate Christmas Crackers $19.95, Shower Drink Holder $21.95, Beer-o-Meter Fridge Magnet $17.95, Gasmate Digital Probe $14.95

Omg Dads and husbands are the hardest to shop for right?  I’ve been married 12 years and still have not perfected the art of man-shopping, but I’m pretty certain that you’re good to go with ALL of these ideas.  That shower beer (cocktail/wine?) holder is genius!

New Zealand's Top Mummy Blogger Parenting Travel Blog Stocking Fillers Christmas

Hello, It’s Tea Travel Mug $17.95, Avo Seedo $19.95, Aqua Notes Waterproof Notepad $14.95, 3m Charging Cable $11.95 (Android here), MOR Marshmallow Hand Cream Christmas Cracker $14.95, Diamond Life earrings $14.95, Boho Glass and Copper Trinket Box $19.95

Ahhh, shopping for Mum.  That would be me.  I know you’re probably looking at the image above and thinking wtf is a phone charging cable doing smack-bang in the middle, looking special.  At the end of the day, when I’m exhausted (but will end up spending at least an hour squinting at my phone in bed) I don’t want to have to snuggle up to a powerpoint, just imagine the freedom of a 3 metre long charging cable?  I imagined it……..and I bought it.  Mum will love it I promise x

New Zealand's Top Mummy Blogger Parenting Travel Blog Stocking Fillers Christmas

Glow your Own Paint $12.95, KidLife Tee $19.95, Monkey Emoji Pillow $19.95, Unicorn mood Light $19.95, Quoit Set $19.95, Emoji Lip Gloss $7.95, Emojinal Liquid Pencil Case $15.95

I find shopping for kids over 8 years old almost as difficult as shopping for a Dad that doesn’t drink beer.  There are only so many iPhones you can put in a Christmas stocking before enough is enough – Ha!  I have a 12 year old boy and he would be stoked to get an emoji pillow, apparently his whole life can be summarised using emojis!  Seriously, take my advice – it’s a winner folks.

New Zealand's Top Mummy Blogger Parenting Travel Blog Stocking Fillers Christmas

Mini Ice Cream & Pear Decorations $9.95, Finding Dory 35 Piece Puzzle $6.95, Superman Bib with Cape $17.95, Play n Store Toy Bag $19.95, Baby’s First Smart Phone $17.95, Inflatable Crab Arm Bands $19.95

Ahhh little people.  The easiest to shop for.  They LOVE everything you give them………except for clothes.  Toddlers hate getting clothes for Christmas.  My top pick out of this bunch is the drawstring toy bag, no more dangerous Lego waiting to maim a bare foot this summer sounds like a Christmas Miracle!

WIN $50 to spend at!

Wouldn’t you love to finish (or start, no judgement here!) your Christmas shopping with some relaxed online gifting at Not Socks?

To enter to win an e-voucher, leave me a comment below and tell me which gift from the ‘Ultimate, never to be bested, Guide to Stocking Stuffers under $20’ would you choose for one of your loved ones this Christmas.

Competition closes 16th December 2016 NZ residents only.

New Zealand's Top Mummy Blogger Parenting Travel Blog Stocking Fillers Christmas

Thanks to Not Socks for teaming up with me on this post.

Surviving Blogging in NZ – May the odds be ever in your favour

A couple of things happened online this week here in the New Zealand ‘blogger/influencer’ scene that really got me thinking about what it means to be ‘working’ in this online industry that is built upon………nothing really.  Nothing but a bit of talent and if talent is lacking then a fake-it-til-you-make-it approach is oft adopted, fuelled by the ever-burning fires of FOMO.  I’m being facetious of course, some platforms are built upon talented writing, some on beautiful photographs, some are built purely on the personality of the influencer or how cute their kids are or how monochrome/colourful/boho/on trend their house is, but, whatever it might be, it’s a curated persona.

People, the public, consumers of digital content, are adept at forgetting this fact.

The blogger/influencer might swear up and down that their online presence is NOT a curated facade, but, don’t be fooled.  Curated might be as on-trend as ‘on-trend’ itself is, but by its own definition,  to curate means to select, organize and present.  And every, single one of us that has a blog, an Instagram account or a Facebook account curates, to some degree what we share and what we don’t.

This is neither a positive or negative thing, it simply is what it is.  This is all fine and good until commercial relationships come into play, which is what we’ve seen happen in New Zealand in the past two years.  When the measure of one’s online ‘success’ or worth is measured by the new social media yardsticks of ‘reach’, ‘engagement’, ‘followers’, ‘unique views’, ‘CPC’ et al, people, aka Content Creators lose their shit.

And they generally do it in one of two ways;

They become addicted to the game of chasing numbers, chasing followers and lose sight of any ethical boundaries that might impede their rapid growth,


They become all about ‘That List’.  The obsession with the receipt and consumption of everything on offer from brands, PRs and agencies becomes like crack and FOMO (fear of missing out) leaves pride at the door as the desire to be on ALL the ‘Lists’, at ALL the events and receiving ALL the media send-outs takes precedence.

Both are gross and both are in complete contrast to the messages that are bandied about on our beloved social media of ‘Women Empowering and Supporting Women’ and the cutesy meme of the flower that doesn’t compete with the flower growing next to it – yadda yadda.

Money, influence – real or perceived – and free stuff changes everything.

Any industry has its slightly unsavoury side – the seedy photocopy room with the flickering fluorescent tube that gives you a headache if you stay there too long – you know those places right?  I feel like the NZ social influencer industry is teetering on becoming such a place unless we all clean up our act, and it’s not a huge ask, but perhaps quite an important one if we collectively want these digital opportunities and relationships to bloom and grow.

I’m not going to tell anyone how to behave but I thought I’d share a few standards, within which I try to work;

  1. Keep your head down.  The easiest way to get distracted from your work is to obsess about what everyone else is doing.   You have zero control over someone else’s behavior, content, contacts or whether they’re going to heaven or hell.  There aren’t enough hours in the day for me to do what I need to do, let alone factoring in time to keep a watchful eye on the other mummy bloggers of New Zealand!
  2. Just do YOU.  If your thing is writing, then write.  If it’s vlogging or Snapchat or Insta then fly high visual bird!  You don’t need to have your fingers in ALL of the pies – especially if you’re not a very good cook.  Work to your strengths and focus your energy there.
  3. Be kind.  New Zealand is a small, small place.  Auckland is even smaller.  A smile goes a long way and costs you nothing.  
  4. Be grateful.  Look, the amount of free (WONDERFUL) product getting couriered up and down the country by brands and PR’s is fucking staggering.  WHO CARES IF YOU DON’T GET ALL OF IT?!  Entitled attitudes are yuck and people will notice and remember, I guarantee it.
  5. Be humble.  If all of this is built on those social metrics then that’s not a lot to base your self-worth on.  Being generous with your time and showing respect and kindness to others in our industry will set you in good stead when the next Insta-fave comes along and knocks you off your perch.

I would love your thoughts on this friends and bloggers.  We’ve come a long way but there is so much work to be done in this very virgin, uncharted industry, and I am committed to this space and seeing my blog grow in the years to come.  If that’s as a micro-influencer then so be it, but I’ll be a damn good one and one you’d like to have a coffee with too, hopefully!


Smart Money – How I make my Credit Card Work for Me

Hopefully you caught my first Smart Money topic where I ran you through the importance of owning insurance and knowing when and how to use it (catch up here if you missed it).  This week we’re going to talk credit cards, which can surprisingly, be almost as divisive as the Trump/Clinton debates were!

Some people love their plastic, some swear they’ll never have a credit card (again!) or will never shop using credit in the first place.  I can only assume but I think such a hard-line stance on credit cards often comes from our parents. Back in the eighties purchasing everything on credit was as common as putting your kids to sleep every night with a hearty dose of Phenergan – or Knock-Out Drops as it was known in our house lol.  Buying household items on ‘tick’ or throwing down a high interest credit card used to be standard procedure but, perhaps learning from the financial stress of our parents before us, it seems we have moved into a period of much more conservative credit use, sometimes to our detriment!

Learning how to use credit cards wisely is an awesome financial skill that leaves more money in my pocket each month.  As such, I think there is definitely room to flip how we as a generation generally think about credit cards in general.  If we focus on how to make them work FOR us rather than the more common misconception that credit cards are a means to encourage irresponsible spending, we can add a valuable tool to our day-to-day financial acumen.

With a mortgage in place (a couple to be exact), one of which uses revolving credit, it makes sense for our family to keep as much cash IN our bank accounts as possible, thus minimising the amount of interest charged on our mortgage lending.  We do that by using our credit card for all day-to-day purchases and then paying this off in full each month to avoid interest.  This system takes a couple of months to implement as you get your cashflow in sync with your spending but it can make a big difference when aiming to reduce interest costs.

The added benefit of using your credit card in this way is being able to maximise your potential to earn reward points.  Warehouse Money offers two credit cards, one of which, the Warehouse Money Purple Visa Card, offers reward points (called Purple Dollars) on every dollar you spend.  Accruing reward points all year is a great way to help spread the financial load at Christmas time by spending your Purple Dollars in-store at The Warehouse.  That’s SMART shopping!

Four Things you NEED to understand about getting smart with Credit Cards

Keep in mind, I’m no financial advisor, however I’ve been using credit cards effectively for 20 years now and we run ALL our household and day-to-day expenses on our CC – because: reward points and cash in the bank!

  • Fees – Know what your credit cards will cost you each year.  My bank credit card charges $65 per year + $15 per year for a secondary card, another credit card we have charges $52 per year plus a $55 establishment fee!  Both cards available from Warehouse Money have NO annual fee, no establishment fee and no additional cardholder fee. 
  • Interest – How and when is it calculated? So I thought I knew how credit card interest was calculated but I was wrong. If you pay your total balance each month, sweet as.  No interest for you.  If you pay your minimum balance each month ie you don’t pay the full closing balance, you’ll pay interest on all transactions and some charges left on your account at the applicable interest rate, PLUS, you’ll also need to pay interest on any new charges that have been made since the statement period.  That’s a big deal guys and something you need to re-read if it’s news to you. 
  • How does your credit cards reward system work? Rewards are the awesome part of responsible spending on your credit card, I LOVE banking my rewards and using them throughout the year to help spread the financial pressure around birthdays or Christmas time.  Kiwis LOVE reward points as The Warehouse Money Matters Survey discovered this year with 42% of respondents who have a credit card saying they use their card to collects reward points/air points.
    Warehouse Money offers two great credit card options ;  Warehouse Money Visa Card holders will be rewarded with 5% off their shopping both instore and online at The Warehouse every day and that’s on top of sale items (some exclusions apply), so this is a reward you can benefit from every day.  Their Purple Visa cardholders earn 2 Purple Dollars for every $150 spent at The Warehouse and 1 Purple Dollar for every $150 spent anywhere else Visa is accepted. 
  • Why is building a credit history important? Being credit adverse may help you avoid interest charges and late payment penalties if you’re worried about your financial discipline – which is a good thing.  However, ignoring your credit history can make things a little trickier further down the track when you actually require finance – rather than simply choosing to use it.  Potential lenders will always check an applicant’s credit history, looking for payment history, amounts owed, length of credit history, the variety of credit used.  In terms of securing manageable levels of lending and credit resources, it’s advantageous to you and your future financial assets to start earning some A+ grades when it comes to managing your credit. 

For more information check out the Citizens Advice Bureau, where there’s heaps of great info on managing credit and how to check your credit history.

Opening a line of credit can be a scary feeling and may fly in the face of everything a financially conservative background has taught you.  Get comfortable and informed about the product you are considering – ie do your homework, and align your money with a brand you trust and are familiar with.  If you’re considering a new card or your very first credit card, check out Warehouse Money and the two products they are offering kiwis.  Both are great choices, offer benefits other credit cards don’t and come from a brand New Zealand knows, loves and trusts.

New Zealand's Top Mummy Blogger Parenting Travel Blog Finances Credit Card Advice

This post was sponsored by Warehouse Money and was an awesome opportunity for me to get stuck in and learn about how my credit cards really work.

Thai Chicken Pies – Dinner is served!

New Zealand's Top Mummy Blogger Parenting Travel Blog Thai Chicken Pie Recipe

I came to the realisation this week that, despite being a born-and-raised Kiwi mummy, there was something that was missing from my life.  Something so quintessentially ‘New Zealand’ that I’m pretty embarrassed to have been overlooking it for so long.

I couldn’t remember the last time I had eaten a pie.


There are few things we hold dear as a nation, but our collective love of pies has to be one of them.  Specifically, in recent times, Kiwis love chucking curry in a pie.

Look, I may be ridiculously good at many things – such as online shopping and liking stranger’s photos on Instagram – but I have never in my life made a curry from scratch and I’m not about to start at age 37.

That’s for the experts, and the experts are My Main Course.

Last night we whipped up these delicious pies as per the suggestion on the back of the Thai Chicken Curry pouch.  Grab these in the supermarket, flip the pack over and all the ingredients you need to create a kick-ass dinner are right there for you to pick up with your shopping.

When you get home, jump online at for assembly instructions.


We recreated My Main course’s Pot Pie recipe (find it here) using our new piemaker (I may have impulsively bought because PIES!), and it was a perfect family meal that made 4 pies from one pack of Thai Chicken Curry + some added ingredients.

Check out the ingredients – nothing fancy or complicated here!

New Zealand's Top Mummy Blogger Parenting Travel Blog Thai Chicken Pie Recipe

Into the piemaker after minimal prep,

New Zealand's Top Mummy Blogger Parenting Travel Blog Thai Chicken Pie Recipe

And check out the end result!

New Zealand's Top Mummy Blogger Parenting Travel Blog Thai Chicken Pie Recipe

Don’t pooh-pooh this dinner idea because you think pies are ghetto. This chicken curry is an elegant, light filling that’s so full of flavour and is perfectly complemented by the fresh coriander.


New family fave right there.

The My Main Course range (Thai Green Curry, Mexican Chicken, Pulled Pork, Savoury Mince, Baked Beans, Green Lentil Dahl) is perfect for helping busy families whip up great tasting meals with minimal prep time.  Your meal base is all done, you just choose your sides and get creative – or not lol, totally up to you.

WIN > I have ANOTHER $50 supermarket voucher to give away thanks to My Main Course!  (Make sure you’ve entered the first comp here!) Just comment below and let me know which variety you and your family would love to try first.

Competition closes 16/12/16 NZ residents only.