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When the Federal Reserve raises rates, the interest rate on your savings account tends to go up, too. See the best savings account rates right now »If you bank with an online institution, you may have received an email or message from your bank that the interest rate on your high-yield savings account is going up. The interest rate on a high-yield savings account fluctuates and isn't fixed. This means if you open an high-yield savings account, its normal to see the interest rate go up or down over time. If the Federal Reserve lowers interest rates, savings interest rates will usually drop.
Persons: Marguerita Cheng, Cheng, they've, you've Organizations: Federal, Federal Reserve, CFP, RICP, Blue, Global Wealth, FDIC
For Love & Money is a weekly Business Insider column answering relationship and money questions. Write to For Love & Money using this Google form. If your siblings don't already recognize how lucky they are to have you, I assure you they will someday. Another way you can help your siblings when you're gone is to prepare them for it now. Write to For Love & Money using this Google form .
Persons: , I've, I'm, You've, you've, doesn't Organizations: Service, SNAP, Medicaid
I asked a financial planner whether I should take money out of savings if interest rates drop. I haven't felt ready to follow their advice, especially since my high-yield savings account at Ally Bank has been offering 4% to 5% APY on the money in the account. If that happens, it might make sense for me to move money out of my high-yield savings account. I met with certified financial planner Jake Skelhorn, who shared three things I can do with that cash if interest rates drop. "While more volatile year-to-year, stock market returns have averaged approximately 10%, which is about double what you're getting in a high-yield savings account today."
Persons: it's, they've, haven't, Jake Skelhorn, Skelhorn Organizations: Ally Bank
In America's 20 biggest cities, a 20% down payment ranges from $39,127 in Oklahoma City to $263,392 in San Jose, California. On a $200,000 home, a 3% down payment means you'll need $6,000. FHA mortgage: 3.5%To get an FHA mortgage, you'll need at least a 3.5% down payment. The exact amount you'll pay depends on your down payment and whether you've gotten a VA loan previously. PMI protects lenders on mortgages with high loan-to-value ratios, and it's added to the borrower's monthly mortgage payment.
Persons: you'll, Insider's, Fannie Mae, Freddie Mac, you've, You'll, it's Organizations: Phoenix, Fort, Oklahoma, PMI, Opportunity, National Association of Realtors, Chevron, USDA Locations: Oklahoma City, San Jose , California, Government, York City, NY, Angeles, LA, Chicago, Houston, AZ, Philadelphia, Antonio, Diego, Dallas, Austin, Jacksonville, Jose, Fort Worth , TX, Columbus, Charlotte, NC, Indianapolis, Francisco, Seattle, WA, Denver, homeownership, Chevron
Read previewWaiting tables a few months at a time is enough for Celeste Cox to fund her travels to bucket list destinations. The 26-year-old has been to 10 countries since embarking on what she intended to be a gap year in 2021. She's managed to do all of it by working as a waitress in New York City in between her adventures. She prefers Latin American countries since she speaks Portuguese and Spanish, and US dollars typically stretch further in those places. Advertisement"These travels have taught me so much about life and have really given me so much life experience," Cox said,
Persons: , Celeste Cox, She's, Cox, Dominican Republic —, I'd, Celeste Cox Cox, Zers, Worldpackers, it's, she's, Z, I've, they're, It's Organizations: Service, Business, Hunter College, BI Locations: New York City, touristy, Puerto Rico, Dominican Republic, Brazil, Colombia, Italy, Workaway, it's, America, Sardinia
All flights were grounded for United Airlines, Delta Air Lines, American Airlines and Allegiant Airlines on Friday. Meanwhile, thousands of companies around the world are struggling with payment processing after the outage brought down systems across a wide range of businesses. Airlines, banks, TV channels and other businesses were disrupted worldwide on Friday following a major computer systems outage linked to an update on an antivirus program. In addition to hospitals, blood donation centers have experienced challenges and are altering blood shipment methods due to flight delays. The Social Security Administration closed its local offices to the public on Friday after the outage shut down numerous services.
Persons: , , Kiah Hampton, Hampton, Jennifer Small, ” Small, Ty Kelley, “ I’m, Miya Haney, Dave DeWalt, George Kurtz, ” Kurtz, Etienne Laurent, Kim Brown, ” Brown, Laura Topete, ” Topete, Ted Wheeler, Kathy Hochul Organizations: CNN, Microsoft, United Airlines, Delta Air Lines, American Airlines, Allegiant Airlines, Airlines, Atlanta’s Hartsfield, Jackson International Airport, ” Spirit Airlines, Shipping, UPS, FedEx, Marriott International, Hilton, McAfee, Infrastructure Security Agency, Delta Airlines, Getty, Kaiser Permanente, Health, Hospital Medical, Epic Systems, US Department of Health, Human Services, York Blood Center, Angeles, Superior Court, Department, , United States Customs, Border Protection, CBP, Social Security Administration, US Department of Justice Locations: United States, Los Angeles, ” New Jersey, Jersey, Philadelphia, Boston, Alaska, Phoenix, New York City, Texas , Tennessee, North Carolina, Georgia, Airlines, Kaiser, San Jose , California, Portland , Oregon, Southern California, San Diego County, Arizona, Maricopa County, New York
Patients were told by hospitals and health care providers across the United States on Friday morning that a global technology outage had downed some information technology systems, resulting in canceled surgeries and other procedures, though hospitals emphasized that emergency departments remained open. Some major hospital systems were affected, including the Kaiser Permanente medical system, which runs dozens of hospitals and hundreds of medical offices in the western United States and elsewhere in the country. Kaiser Permanente activated its national command center around 7:30 a.m. Eastern to address “widespread” effects of the outage on its system, said Steve Shivinsky, a spokesman for the health provider. The outage was affecting “all of our hospitals,” said Mr. Shivinsky, who called the situation “unprecedented.”Banner Health, a large system based in Phoenix that operates hospitals and health care centers in six states, said that it closed clinics, urgent care centers and other outpatient facilities on Friday morning, but that hospitals would remain open for inpatient care and medical emergencies.
Persons: Steve Shivinsky, , Shivinsky Organizations: Kaiser Permanente, Permanente Locations: United States, Banner, Phoenix
For decades, the National Guard has had some level of presence on the southwest border. The border mission is mostly static security and surveillance, but troops typically are not allowed to interact directly with migrants or suspected smugglers. It also has been contributing to retention issues that have plagued the Army National Guard. The move sparked numerous questions on the ethics and legality of privately funding National Guard operations — and came as Noem was boosting her national profile. The National Guard has frequently been caught in the middle between state politicians and federal officials.
Persons: , Daniel Hokanson, Military.com, Greg Abbott's, Chip Somodevilla, Hokanson, Herika Martinez, Christine Wormuth, JOSEPH PREZIOSO, Kristi Noem, megadonor Willis Johnson, Noem Organizations: Service, National Guard, Guard's, Business, Gov, Lone Star, Capitol Hill, US, Army National Guard, Army Guard, Guardsmen, Texas National Guard, AFP, Getty, Army, Guard, Massachusetts National Guard, South Dakota Republican Gov, Governors Locations: Mexico, Texas, Kuwait, Iraq, Afghanistan, Ukraine, Africa, AFP
The information for the following product(s) has been collected independently by Business Insider: Hilton Honors American Express Aspire Card, Amex EveryDay® Preferred Credit Card, American Express® Green Card, The Plum Card® from American Express. Introduction to American Express Travel ProtectionOverview of Travel Protection BenefitsWhile credit card insurance and travel protection coverage are usually considered secondary to rewards programs and other cardholder perks, these benefits can be equally important if you travel. American Express cards that come with baggage insurance include:The Platinum Card® from American Express (including various versions)American Express® Gold Card (including various versions)American Express® Green Card (including various versions)(including various versions) Delta SkyMiles® Gold American Express CardDelta SkyMiles® Reserve American Express CardDelta SkyMiles® Platinum American Express CardMarriott Bonvoy Brilliant® American Express® CardHilton Honors American Express Aspire CardHilton Honors American Express Surpass® CardAmex EveryDay® Preferred Credit CardThe Plum Card® from American ExpressAmerican Express business cards with baggage insurance include:The Business Platinum Card® from American ExpressAmerican Express® Business Gold CardThe Blue Business® Plus Credit Card from American ExpressDelta SkyMiles® Gold Business American Express CardDelta SkyMiles® Reserve Business American Express CardDelta SkyMiles® Platinum Business American Express CardMarriott Bonvoy Business® American Express® CardThe Hilton Honors American Express Business CardLowe's Business Rewards Card from American ExpressAmazon Business Prime American Express CardAmazon Business American Express CardVarious versions of the Amex Centurion card and several Amex corporate cards also offer baggage insurance. American Express cards that come with secondary auto rental coverage include:The Platinum Card® from American Express (including various versions)American Express® Gold Card (including various versions)American Express® Green Card (including various versions)Delta SkyMiles® Blue American Express CardDelta SkyMiles® Gold American Express CardDelta SkyMiles® Platinum American Express CardDelta SkyMiles® Reserve American Express CardHilton Honors American Express CardHilton Honors American Express Surpass® CardHilton Honors American Express Aspire CardMarriott Bonvoy Brilliant® American Express® CardMarriott Bonvoy American Express® Card (no longer available to new applicants)Blue Cash Everyday® Card from American ExpressBlue Cash Preferred® Card from American ExpressAmex EveryDay® Preferred Credit CardAmex Everyday® Credit Card from American ExpressAnd business cards from Amex that offer secondary car rental insurance include:The Business Platinum Card® from American ExpressAmerican Express® Business Gold CardDelta SkyMiles® Gold Business American Express CardDelta SkyMiles® Platinum Business American Express CardDelta SkyMiles® Reserve Business American Express CardThe Hilton Honors American Express Business CardMarriott Bonvoy Business® American Express® CardThe Blue Business® Plus Credit Card from American ExpressWhile American Express did offer travel accident insurance on some of its cards, this coverage was effectively dropped as of January 1, 2020. Amex cards that come with trip delay coverage include:The Platinum Card® from American ExpressAmerican Express® Gold CardAmerican Express® Green CardDelta SkyMiles® Reserve American Express CardDelta SkyMiles® Platinum American Express CardMarriott Bonvoy Brilliant® American Express® CardHilton Honors American Express Aspire CardThe Business Platinum Card® from American ExpressAmerican Express® Business Gold CardDelta SkyMiles® Reserve Business American Express CardDelta SkyMiles® Platinum Business American Express CardAgain, the various versions of the Amex Platinum and Amex Centurion cards also offer trip delay insurance.
Persons: Goldman Sachs, Morgan Stanley, you'll Organizations: Business, Hilton, American, American Express, Express, Travel Insurance, Chase, American Express Delta, ®, Baggage, American Express American Express, American Express American, Honors American Express, American Express Amazon Business Prime American Express, Amazon, Marriott, Delay Locations: , Amex, Chevron
U.S. Sen. Bob Menendez (D-NJ) speaks to the media as he exits Manhattan federal court on July 16, 2024 in New York City. WASHINGTON — Sen. Bob Menendez, D-N.J., has told allies that he will resign from Congress after being convicted on federal corruption charges, two people directly familiar with those conversations tell NBC News. Among those who urged him to resign were Senate Majority Leader Chuck Schumer, D-N.Y.; Senate Majority Whip Dick Durbin, D-Ill.; and Menendez's friend and fellow New Jersey Democratic senator, Cory Booker. He had two stints as chairman of the Senate Foreign Relations Committee, a post he relinquished last year after his indictment. Menendez "provided sensitive U.S. Government information and took other steps that secretly aided the Government of Egypt," the indictment alleged.
Persons: Sen, Bob Menendez, New York City . WASHINGTON — Sen, Menendez, Chuck Schumer, Dick Durbin, Cory Booker, Schumer, Phil Murphy, Andy Kim, Curtis Bashaw, Nadine, Weeks, he'd, retry Menendez Organizations: NBC, New, New Jersey Democratic, Senate, New Jersey Gov, Democratic, Senate Foreign Relations, Government, of, Prosecutors, Office Locations: Manhattan, New York City . WASHINGTON, New Jersey, Jersey, Union City, of Egypt, Florida
I've become used to hearing responses like these when people find out I'm an only child. As I get older and my parents' health declines, I've had to get better at asking for help. It's not just physical health problems that I have to help my parents navigate solo, either. AdvertisementWhile the idea of experiencing motherhood is exciting to me, I also know that raising a child is a massive responsibility. And I'm not sure if I can manage that responsibility when I'm already caring for my parents — even with my husband sharing half the work.
Persons: I've, , It's, I'm, who's, it's, Riany, she'd Organizations: Service, Business
So when the couple learned about the FIRE movement in their mid-20s, it was music to their ears. They then tried to apply some of that information to their financial strategies. Over the past several years, the couple has grown their combined net worth to more than $800,000, according to documents viewed by BI. To make more money, Arsenault said they've "aggressively pushed for additional income." When their strategies generate extra money, the couple invests as much as possible in their 401(k) plans and low-cost index funds.
Persons: , Chrissy Arsenault, Ryan, didn't, Arsenault, who've, hasn't, Chrissy Arsenault Arsenault, they've, They've, They're, We've Organizations: Service, FIRE, Business, Facebook, BI Locations: Colorado, Costco, Indiana, Monument , Colorado, Fishers , Indiana
A high-yield savings account has a higher interest rate than a typical bank savings account. A financial planner says they work best for short-term savings goals, like planning for a vacation. Here are three situations where Betts says you should definitely keep your cash in a high-yield savings account. Creating a travel budgetBetts advises his clients to use a high-yield savings account to save up for their travels. Paying down debtExperts recommend only keeping three to six months in a high-yield savings account for emergencies.
Persons: Spencer Betts, Betts, They're
It is profoundly painful,” said Dr. Dana Varble, chief veterinary officer for the North American Veterinary Community, a nonprofit organization that provides learning opportunities for veterinarians. Denali, seen here with his owner veterinarian Dr. Dana Varble, is now fully healed from his eye surgery. To overcome that obstacle, the North American Veterinary Community holds periodic trainings so a general vet can become more comfortable treating simple injuries and eye abnormalities. (screenshot captured from video) North American Veterinary CommunityDroopy eyes and signs of injuryThere are other eye problems that require plastic surgery as well. In this screenshot from video, a dog receives an eye exam during training by the North American Veterinary Community.
Persons: CNN — Hamilton, , Dana Varble, Varble, Hamilton, ” Varble, , Lori Hilton, shih tzus, they’re, Maine coons, it’s, Maine coon, Jinxy, Kate Myrna, Myrna, Martina Gibboney “, ” Myrna, don’t, basset, cocker spaniels, Jenny May Stringer Organizations: CNN, North American Veterinary, Boston, French bulldogs, College of Veterinary Medicine, University of Georgia, bulldogs, Pekingese, , North American Veterinary Community, Veterinary Community, Veterinary Locations: Pekingese, puppyhood, Ragdolls, Maine, Athens , Georgia, Athens, pawing, Great Danes, rottweilers, United States
My pet insurance is $25 a month, and I get great care for my cat with affordable co-pays. I pay $25 a month for pet insuranceI have Fetch pet insurance, which costs about $25 a month for one cat (although it started at $22). Get Pet Insurance Quotes Find affordable pet insurance policies with Petted. Rose used to have pet insurance for Mar through her job, which gave her access to Nationwide pet insurance for about $8 a month out of her paycheck. Now, doing research on pet insurance, Rose expects to pay a higher cost than before.
Persons: I've, I'm, She's, It's, Cuddles, Rose Rogers, Rose, Mar, it's Organizations: Sherwood Cat, Mar, Nationwide Locations: I'm, Portland , Oregon, Oregon's, Seattle
On a recent Friday in Albuquerque, as triple-digit temperatures stretched into the evening, a 69-year-old man collapsed in his home. His body temperature hit 107.7 degrees by the time emergency responders whisked him to the University of New Mexico Hospital. Workers dumped ice on his body as part of a last-ditch effort to curtail his heatstroke. Extreme heat, intensified by climate change, has blanketed much of the United States this summer, killing more than a dozen people in Oregon in recent days. Large parts of California, Nevada, Arizona and Utah have been under excessive heat warnings, which local officials believe contributed to more than 90 deaths in the West this month.
Organizations: University of New, University of New Mexico Hospital . Nurses Locations: Albuquerque, University of New Mexico, United States, Oregon, California , Nevada , Arizona, Utah
But with her earnings, she's above the maximum pre-tax annual income threshold of $34,341 to qualify for MassHealth. What's more, she said she's "dangerously close" to losing this rental assistance because her income is too high — the eligibility criteria vary by city in Massachusetts. AdvertisementALICEs are Americans who are struggling to pay the bills but may make too much money to qualify for government benefits like SNAP, rental assistance, or Medicaid. She's applied for several affordable housing programs, but she said most of them have waitlists that are five to 10 years long. Though the housing assistance she still receives is helpful, she said she still doesn't have enough money to afford a bed.
Persons: , Sarah, — there's, she's, MassHealth, ALICE, who've, There's, She's Organizations: Service, Business, Supplemental, Assistance, Women, Children, United, SNAP Locations: Massachusetts
Opening a high-yield savings account can be a game-changerWhile 68% of Americans have a standard savings account, according to Forbes, fewer take advantage of high-yield accounts that offer better returns. Although you can choose to receive a physical titanium Apple Card, it's also automatically built into Apple Wallet on iPhone. 3 To access Savings, Apple Card Owners and Co-Owners must open a Savings account. To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.
Persons: it's, Cash, Goldman Sachs Organizations: Economic, Forbes, Apple, Apple Pay, Insider Studios, Apple Card, Savings, Goldman Sachs Bank, Branch, Member FDIC, Daily, Apple Cash Card, Minor Outlying, Merchant, Nike Locations: Salt Lake, American Samoa, Guam, Northern Mariana Islands, United States, U.S
Some 6 in 10 U.S. adults say they're uncomfortable with their level of emergency savings, according to a recent survey from Bankrate. Financial planners generally recommend stashing three to six months' worth of living expenses away in an emergency fund. More than half of Americans — 56% — say they have less than three months of expenses saved, including 27% who say they have no emergency savings at all. Why you need emergency savingsWhen it comes to your financial priorities, establishing an emergency fund should be close to the top of your list, which may feel counterintuitive. And when it does, having an emergency fund prevents you from taking money away from your other financial goals.
Persons: Alyson Basso, Greg McBride Organizations: Financial, Hayden Wealth Management, Bankrate Locations: U.S, Bankrate, Middleton , Massachusetts
Part of the military's mission at home is to keep stockpiles of goods like critical minerals on hand for emergency wartime use. In the dark on the stockpileAlthough the name suggests otherwise, rare earth minerals are not exactly rare — in fact, they're relatively plentiful. The Biden administration began cutting American imports of Chinese rare earth minerals a few years ago in an effort to decrease US reliance on China for critical minerals. Submarines, fighter aircraft, magnets used in missiles, radar systems, and drones all require critical earth minerals for manufacturing. AdvertisementA past report for Congress on rare earth minerals for national defense, for instance, noted that a single Virginia-class submarine requires 9,200 pounds of rare earth minerals, while an Arleigh Burke-class destroyer requires 5,200 pounds.
Persons: , Biden, Lockheed Martin, Gregory Wischer, Wischer, Arleigh Burke, Halsey, Sampson, Chris Williamson Fabian Villalobos, Locke Organizations: Service, Business, Pentagon, Lockheed, Getty, Gratia, Defense Logistics Agency, of, Department of Defense, Defense Industrial Strategy, . US, Pacific, DoD, Materials, Lynas, Joint Base, Hickam . US Navy, RAND Corporation, National Defense, NDS, Industrial Base Locations: China, Fort Worth, Virginia, Arabian, Japan, South Korea, United States, California, Lynas USA, Texas, Vermont, Hickam
"Wire $300,000 dollars to bitcoin account within 12 hours," the email to Kirkhorn added, according to the incident report. The case was ultimately suspended and no arrest was ever made, according to the incident report and Dark. AdvertisementSome Tesla workers told BI that tight production deadlines and the intensity of the work could sometimes create a high-pressure environment. We were just standing outside the building waiting to go back to work," one worker, who was there during the ordeal, told BI. The sheriff's office told local news at the time that the building was cleared and there was "nothing to substantiate the presence of a shooter at all."
Persons: , Elon Musk, Musk, Tesla, Zachary Kirkhorn, Zachary Kirkhorn —, Austin Gigafactory, Kirkhorn, Travis, Kristen Dark, SUZANNE CORDEIRO, Austin, Joe Biden, Justin Mathew McCauley of, McCauley's, McCauley, Justin Sullivan, they'd, Apu Gomes, X, Mark Zuckerberg, Zuckerberg, Meta, Sheryl Sandberg, John Lennon Organizations: Service, Business, Securities, Exchange Commission, BI, YouTube, Tesla's, Tesla, Street Journal, Office, Musk, FOX, Austin, Factory, Getty, Elon, SEC, Meta, Twitter, BBC Locations: Austin, Travis, Texas, Nigeria, Justin Mathew McCauley of Minnesota, Minnesota, Fremont , California, Tesla's, Sparks , Nevada, Nevada
The release was a stunning development at the Supreme Court, which usually safeguards the release of its opinions. The abortion case was considered among the most significant of the current term that is winding down ahead of the July 4 holiday. A Supreme Court spokeswoman confirmed that a “document” was “inadvertently and briefly uploaded” to the court’s website. The decision came days after the Supreme Court unanimously rejected an effort by anti-abortion groups to limit access to the abortion pill mifepristone. In January, the Supreme Court agreed to decide the case and allowed the law to take effect while it did so.
Persons: Roe, Wade –, Biden, , , Patricia McCabe, Elena Kagan, Justice Ketanji Brown Jackson, wouldn’t, Steve Vladeck, Case, Reagan, Elizabeth Prelogar, Prelogar, Amy Coney Barrett, Joshua Turner, Weeks Organizations: CNN, Bloomberg News, Bloomberg, Supreme, Politico, US, Justice, University of Texas School of Law, of Justice, White, Justice Department, Idaho, Labor, Biden, Republican Locations: Idaho
Opinion | Patients Stunned by Their Medical Bills
  + stars: | 2024-06-25 | by ( ) www.nytimes.com   time to read: +1 min
How Much Could It Cost?,” by Danielle Ofri (Opinion guest essay, June 18):As a retired cardiologist, I have been railing against facility fees for years. These are significant fees (sometimes thousands of dollars) added to your doctor’s typical charges when they are employed by a hospital system, as many are these days. The rationale from the hospital or health care system, as Dr. Ofri stated, is nonsense; it is simply a way to make more money. It works like this: You see your private cardiologist in their office and have a stress test and get charged $500. The doctor usually has no idea this additional fee is being added, and the hospital system pockets the money.
Persons: Ray, Danielle Ofri, Ofri, Michael Marek Aspen Locations: Colo
CNN —The Biden campaign is blasting former President Donald Trump over abortion rights in a new TV ad coinciding with the two-year anniversary of the Supreme Court’s decision overturning Roe v. Wade and days ahead of the first presidential debate. “He’s now a convicted felon,” Joshua says in the ad as an image of Trump in court flashes across the screen. States where abortion is most limited report higher rates of maternal and infant mortality, as well as greater economic insecurity. The Biden campaign and White House are also bracing for a major Supreme Court decision on emergency abortion access. While Biden prepares for the debate, his campaign is hosting more than 50 events across the country around Monday’s anniversary of the Dobbs decision.
Persons: CNN —, Biden, Donald Trump, Roe, Wade, Kaitlyn Joshua, Wade ”, “ He’s, ” Joshua, Trump, “ Trump, I’m, , Joshua, Doug Emhoff, Joe Biden’s, , Donald Trump’s, ” Biden, ” “ Donald Trump, ” Trump, Michael Tyler, Trump “, Dobbs, Jill Biden, Harris, Kamala Harris, CNN’s Michael Williams Organizations: CNN, Biden, Camp, Trump Locations: Louisiana, Michigan, Atlanta, Pennsylvania, Maryland, Arizona
That's when Virginia joins the small but growing ranks of states protecting disconnects during extreme heat. "We have to account for extreme heat outside the normal months of the year that are increasingly hotter now," Aird said. I predict we will see more places experiencing heat crises and heat emergencies. Nearly three million people have their electricity shut off annually because they cannot afford to pay monthly bills, according to the Energy Justice Lab. A majority of states (40) have statutory-based utility disconnection protections that cover specific times of year and vulnerable populations, according to the Energy Justice Lab.
Persons: Virginia sweltering, Lashrecse Aird, Aird, David Konisky, Konisky Organizations: Indiana University, Energy Justice Lab, Energy Justice, Energy, Washington D.C Locations: Virginia, That's, Petersburg
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