I used to live in New York and can remember times being on a stopped train because someone had thrown themselves onto the tracks. Most of the people would say they couldn't have waited another 20 minutes. No worries and glad to help as I wish I had more. Also, if you need alternatives toward raising/supplementing your income let me know as I work in SEO and a few other fields. Don't worry I'm not here to sell you on anything, be the next guru or tell you I have funds in your name that I need your information so you can become a millionaire...lol. Information is free...the cost only comes from when or if someone is to apply that info. Have a good one.