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SPONSOR OF THE WEEK
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EDITOR'S THOUGHTS
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NOT SETTLING FOR NO
I saw this Steve Jobs quote recently and it resonated with me. When you read it, you'll see how he became the phenomenal man he did.
"For the past 33 years, I have looked in the mirror every morning and asked myself: 'If today were the last day of my life, would I want to do what I am about to do today?’ And whenever the answer has been ‘No’ for too many days in a row, I know I need to change something." ~Steve Jobs
The man rose in the morning and acted, instead of reacted. Children are, for the most part, taught to react. How to behave if this happens, or that happens. It's the rare family that teaches its progeny to think about proactivity. Those are the people who create companies, write bestsellers, and invent the world.
I ran into a gentleman at an event recently who marveled at all my books on the table. He recognized that it took sweat, time, research and effort. He congratulated me. I told him that anyone in the room could do this. It just meant carving out your life to make it happen. Showing up to work every day. Writing and marketing daily. Pitching until somebody finally says yes. Improving the quality of writing, blogging or self-promotion until you got it right. It's just doing, failing,
and doing again, repeating until something works.
Super simple concept that is time-tested to be true.
He smiled, shook his head, and said some people might be able to do it, but not everybody, including him. Yet I wondered why he was in my class, taking notes, eager to learn how to do better. It was like he wanted to be around people who wrote, but could not see himself as a successful writer. Sadly self-defeating. Then there were others present who were giggling and excited as they walked out the door, eager to get home and compose a story.
Look at that quote. Imagine today was the last day of your life. What do you want to accomplish in that day? It may or may not include writing, but you understand the gist of the message. Wake up and think...are my plans today what I really want to do? Then change. And if writing is part of that plan, then jump out of bed thrilled you can create, edit, and reach out to the world, because seriously, you only have so many days to make this dream happen.
Thanks
- Hope
TWITTER - http://twitter.com/hopeclark
FACEBOOK - http://www.facebook.com/chopeclark
GOODREADS - http://www.goodreads.com/hopeclark
BOOKBUB - https://www.bookbub.com/authors/c-hope-clark
 WE HAVE 2 NEWSLETTERS - THE FREEBIE and THE PAID SUBSCRIPTION . . .
Remember that FundsforWriters, this newsletter, is free. Send it to whomever you like and share it liberally. But if you are serious about writing income resources, and your time is limited, consider subscribing to TOTAL FundsforWriters. It comes out biweekly, with 70 contests, markets, grants, retreats, publishers, freelance gigs, magazines and more, It's huge, but it saves you a lot of time searching. It's $18.75 for a year, or
26 issues. To subscribe, simply go to www.paypal.me/chopeclark/18.75 . It will be sent to the email you used unless you specify otherwise.
(NOTE TO THE WISE: Send a receipt for one of Hope's books at other than a $1.99 or $2.99 price, and receive TOTAL for free.) (**and feel free to steal this graphic for your own site!)
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Upcoming Book Signings and Classes!
Mar 19 - EDISTO BEACH, SC! Signing at Edisto Bookstore - 3-5:00 PM
Mar 22 - Darlington Library, SC - Character Development - 6:30 PM
Mar 24 - Anderson County Library, SC - Character Development - 6:30 PM
Apr 4 - Night Harbor Book Club - 824 Yacht Club Pointe, Chapin, SC - 7 PM
Apr 7 - McCormick County Library, SC - Successful Editing - 6:30 PM
Apr 14 - Calhoun County Library, SC - Successful Editing - 6:30 PM
Apr 26 - Darlington Library, SC - Successful Editing - 6:30 PM
Apr 28 - Anderson County Library, SC - Successful Editing - 6:30 PM
May 2 - St. Stephen's Library, SC - Habits of Successful Writer - 5:00 PM
May 3 - Daniel Island Library, SC - Plotting - 5:00 PM
May 4 - Timberlake Book Club, Chapin, SC - 1:00 PM
May 5 - McCormick County Library, SC - Getting Published - 6:30 PM
May 9 - Goose Creek Library - Characters - 5:30 PM
May 10 - Hanahan Library - Editing - 6:30 PM
May 12 - Calhoun County Library, SC - Getting Published - 6:30 PM
May 16 - Moncks Corner LIbrary, SC - Publishing/Marketing - 6:00 PM
May 17 - Sangaree Library, SC - 5:30 PM
May 24 - Darlington Library, SC - Getting Published - 6:30 PM
May 26 - Anderson County Library, SC - Getting Published - 6:30 PM
Jun 7 - Ida McCaskill Book Club - St Andrews Shepherd Ctr, Cola, SC - 9:30 AM
Jun 11 - Hartsville Book Fair, Darlington, SC
Jun 23-25 - Midwest Writers Center Conference - Davenport, IA
Aug 1 - Batesburg Library Mystery Club, Batesburg/Leesville, SC - 6 PM
Aug 18-21 - Killer Nashville Conference, Franklin, TN
Check out all of Hope's books
For the most up-to-date information about Hope, contests, writing industry information and giveaways, keep up with Hope on Twitter and Facebook. Things get more interesting in real time!
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WORDS OF SUCCESS
"For the past 33 years, I have looked in the mirror every morning and asked myself: 'If today were the last day of my life, would I want to do what I am about to do today?’ And whenever the answer has been ‘No’ for too many days in a row, I know I need to change something."
~Steve Jobs
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Is it a flesh and blood killer -
or restless spirits?
According to Sophie, the resident yoga mistress and psychic, beautiful Edisto Beach becomes a hotbed of troublemaking spirits every August. But when a visitor dies mysteriously during a beach house party, former big-city detective Callie Morgan and Edisto Beach police chief Mike Seabrook hunt for motives and suspects among the living. With tourists filling the beaches and local business owners anxious to squelch rumors of a murderer on the loose, Callie will need all the help she
can get - especially once the killer's attention turns toward her.
http://www.chopeclark.com/
Purchase any of Hope's books (at other than $1.99 or $2.99 rates) and receive a one-year subscription to TOTAL FFW free. Send receipt to hope@fundsforwriters.com.
For an autographed version, click here. Email or leave comment in order on preference for autograph.
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SUCCESS STORY
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Hi Hope,
My story that was recently accepted by Chicken Soup for the Soul is being featured on Pet Life Radio's webcast. < www.petliferadio.com/behumane.html> The producers were amazed that a pit bull puppy, rescued from a dumpster, could grow up to have a successful career as a service dog. She worked with me daily for over 10 years, making new friends for pit bulls wherever we went. Now retired, she still helps me around the house
and goes to her favorite restaurant once a week. She is partial to one where the peanut butter pie is served with a side of link sausage or chicken strips.
I was also able to get in a blurb for the series of novels that I am writing for Pit Bull Rescue Central. My   Facebook page is Touring
With Pit Bulls, and tells a little about the stories. Book 2 is ready for release and is an exciting thriller that both dog lovers and mystery readers should enjoy. The crime is tempered by the humorous antics of the dogs, who always manage to drive their owners crazier than they normally are. I am hoping that the huge audience this show attracts will increase sales for the books, all proceeds of which are being donated.
Had I not stumbled across FundsforWriters, I would probably never have gotten the courage to start writing again. You have helped me sell several short stories, two novels for charity, and begin work on an espionage thriller that I am writing for myself.
Kathryn Hackett Bales
Elko, Nevada
https://www.facebook.com/Touring-With-Pit-Bulls-682214285172924/
http://www.amazon.ca/Crazy-Ladies-Kathryn-Hackett-Bales/dp/1492843334
Pet Life Radio - http://www.petliferadio.com/
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FEATURED ARTICLE
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Three Ways to Find Writing Jobs on the Deep Web
By Leah Zitter
It's harder than ever to be a writer. In 2014, the global market research firm Edelman Berland calculated that freelancers make up 53 million of the US workforce, whilst the Freelance Industry Report reported that half of these are writers. Meanwhile, the Bureau of Labor Statistics records that writing opportunities (albeit, for full-time writers) is and will be three percent slower than average over the next seven years. So what we have is a ravenous demand for writing jobs with
skimpy supply.
The results are two-fold:
a. Jobs go to the lowest-bidder: 'lancers tend to gravitate to so-called writing mills or bidding sites where pay is as low as $3 for 1,000 words.
b. Jobs go to the "king of the castle": Recruiters have their pick and qualified writers are routinely pushed aside for writers with degrees, hefty portfolios, connections, and boggling resumes.
So, assuming that you are as in-middle-of-the-stream as I, how do we get these steady well-paying writing jobs and beat the competition? Or do we have to surrender our "free" status for "employed"?
Last year, I coupled wise work with hard work and went to where writing job-sites (such as Monster, Indeed, FreelanceWriting.com) don't. I used my SEO/SEM and scientific research skills to dig into the Deep Web.
Berkeley University describes the Deep or Invisible Web as billions of data that escape regular search engines such as Google largely because pages on this Invisible, Deep, or Hidden Web are not linked to other webpages. Reasons include limited access, scripted content, or Non-HTML/text content. Examples are teeny groups on Facebooks, Web archives, and thousands of niche groups that are small enough to be invisible. Each of these contains ads that few, if any, freelancer writers see.
Over time, I devised and tested various means for scouring the Deep Web. Three of my methods are the following:
1. Meltwater IceRocket.com – This is one of the most powerful blog search engines. It searches blogs,  Twitter, Facebook, and sites on the worldwide web. I use the advanced search options to type in certain words such as " paying submissions," the date (today only), and tag – which searches for words
in the post. Example [tag: writer telecommutes]. Meltwater Ice Rocket has proved its weight in online space over and again.
2. Twazzup.com – This is a new all-in-one Twitter search engine. Twitter has other search engines that you can use such as OneRiot and Louis Gray, but the helpful thing about Twazzup is that you can type in whatever interests you, and Twitter returns all – noise and all. Just yesterday for instance, Twazzup threw me a ghostwriting opportunity. The recruiter had posted her ad twice. I was one of two people over the last three weeks to
respond. The pay was great and competition nil.
3. Metasearch.com – This is a search engine that is specially developed for the Deep Web. I usually direct  the engine to "Tweets-Topsy" then type in a term such as "writing jobs" and sort by latest results. (Topsy also shows me social analytics and social trends which helps my writing).
Each of these three - The Rocket, Twazzup and Metasearch - are just several of the many tools and algorithms that I use to dig the Deep Web.
So many of us legitimately complain about abysmal competition. Doesn't it make sense then to go where few others go? You're far more likely to get the jobs.
Bio:
Leah Zitter is an economic and political reporter. She runs freelancersmarket.com - a site that helps freelancers find hidden jobs.
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COMPETITIONS
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ARCH AND BRUCE BROWN FOUNDATION PLAYWRITING COMPETITION
http://aabbfoundation.org/comp-guidelines
NO ENTRY FEE.
Deadline May 31, 2016. Only full-length works (dramas, comedies, musicals, screenplays) will be considered. One entry per author, please. Scripts must be original and in English. All must concern lesbian, gay, bisexual, transgender, or genderqueer life and be based on or directly inspired by a historical person, culture, work of art, or event. First Prize, $3,000; Second Prize, $1,500; Honorable Mentions, $500. Prizewinners will be announced before the end of the year.
WRITERS DIGEST ANNUAL WRITING COMPETITION
http://www.writersdigest.com/writers-digest-competitions/annual-writing-competition
One Grand Prize winner will receive: An announcement of the winner on the cover of Writer’s Digest (subscriber issues only), $5,000, an interview with the author in Writer’s Digest, one on one attention from four editors or agents, a paid trip to the ever-popular Writer’s Digest Conference, a one year subscription to Writer’s Digest Tutorials, a 30-minute Platform Strategy Consultation with Chuck Sambuchino. First place will receive $1,000 in cash and $100 off a
purchase from the Writer’s Digest Shop. Second place will receive $500 cash and $100 off a purchase from the Writer’s Digest Shop. Third place will receive $250 in cash and $100 off a purchase from the Writer’s Digest Shop. Fourth place will receive $100 in cash and $50 off a purchase from the Writer’s Digest Shop. Fifth place will receive $50 in cash and $50 off a purchase from the Writer’s Digest Shop. Sixth through Tenth place winners will receive $25 in cash and
$25 off a purchase from the Writer’s Digest Shop. Categories: Inspirational Writing (Spiritual/Religious), Memoirs/Personal Essay, Magazine Feature Article, Genre Short Story (Mystery, Romance, etc.), Mainstream/Literary , Short Story, Rhyming Poetry, Non-rhyming Poetry, Stage Play, Television/Movie Script, Children’s/Young Adult Fiction. See each category for word count requirements.
THE FLORIDA REVIEW EDITORS' AWARDS
http://floridareview.cah.ucf.edu/editorsinfo.php
$15 ENTRY FEE.
For prose, submit up to 25 pages. For poetry, submit up to five poems. Deadline March 31, 2016. Winners receive $1,000 and publication. Finalists are published as well.
THE COSSACK REVIEW OCTOBER PRIZES IN POETRY AND FICTION
h ttp://www.thecossackreview.com/octoberprize.html
$15 ENTRY FEE.
Deadline April 30, 2016. For poetry submit up to six poems in a single document. For fiction submit one story up to 10,000 words. Entry fee entitles entrants to a copy of the winter issue. $400 and publication in each category.
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GRANTS
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ACADEMY NICHOLL FELLOWSHIPS
http://www.oscars.org/nicholl
The Academy Nicholl Fellowships in Screenwriting is an international screenwriting competition established to identify and encourage talented new screenwriters. Early Deadline: March 7, 11:59 pm PT ($45 entry fee). Regular Deadline: April 18, 11:59 pm PT ($60 entry fee). Late Deadline: May 2, 11:59 pm PT ($85 entry fee). Each year, the Academy Nicholl screenwriting competition awards up to five $35,000 fellowships to amateur screenwriters. To enter, submit a feature length screenplay and
entry fee via the online application. Up to five fellows in the Academy Nicholl Fellowships in Screenwriting competition will be invited to participate in awards week ceremonies and seminars in November. Fellowship recipients will be expected to complete at least one original feature film screenplay during the fellowship year.
THE THINK-WRITE-PUBLISH SCIENCE & RELIGION PROJECT
https://scienceandreligion.thinkwritepublish.org/
We will be awarding twelve $10,000 two-year TWP Science & Religion Fellowships to develop a publishable true story or series of stories. Open to novice and experienced writers, anyone who has a compelling true story or true stories illustrating or exploring harmonies between science and religion is encouraged to apply. Over a two-year period, Fellows will develop, write, and market their creative nonfiction stories. They will be mentored throughout the project by experienced writers,
editors and teachers. They and their stories will be featured in a series of regional and national events. As part of the workshop, Fellows will participate in three intensive training workshops. Deadline May 15, 2016. TWP Science & Religion is a project of Arizona State University’s Consortium for Science, Policy and Outcomes and the School for the Future of Innovation in Society, in collaboration with Creative Nonfiction and Issues in Science and Technology.
CLAYTON MEMORIAL MEDICAL FUND
http://www.osfci.org/clayton/index.html
The fund helps professional science fiction, fantasy, horror, and mystery writers living in the Pacific Northwest states of Oregon, Washington, Idaho, and Alaska deal with the financial burden of medical expenses.
WRITERS EMERGENCY ASSISTANCE FUND
http://www.asja.org/for-writers/weaf/
The Writers Emergency Assistance Fund helps established freelance writers who, because of advanced age, illness, disability, a natural disaster, or an extraordinary professional crisis are unable to work. A writer need not be a member of ASJA to qualify for a grant. However, applicants must establish a record of past professional freelance nonfiction writing over a sustained period of years, which means qualifications generally similar to those of ASJA members. WEAF does not award grants
to beginning freelancers seeking funding for writing projects, nor does it fund works-in-progress of any kind.
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FREELANCE MARKETS
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NORTHWORD MAGAZINE
http://www.northword.ca/the-magazine/contribute
We advise you to send a story query, not a finished article, for a report-driven story rather than an opinion piece. Your query should focus on regional issues, individuals, resources or events, to name a few. We need a compelling reason to assign an article: a specific angle, or news that makes the subject fresh. As a general guideline, a cover story is in excess of 1,600 words, a news feature around 1,100, creative writing around 800, column 600, and a brief 100-300. There must be a
regional angle. Northword covers the area between Haida Gwaii/Queen Charlotte Islands in the west, Jasper in the east, and Dease Lake in the north. And yes, this is in Canada.
OHIO MAGAZINE
http://www.ohiomagazine.com/Main/WritersPhotographerGuidelines.aspx
Ohio Magazine publishes stories that celebrate Ohio – its people, its rich culture and heritage, and especially its travel spots. Feature stories in Ohio Magazine should meet all the above criteria. Typically, our feature well contains stories about interesting Ohioans, top travel destinations, Ohio’s arts and cultural institutions, as well as trend pieces and service pieces that provide readers with a statewide set of options on a particular topic. All features should have the
potential for wonderful art to accompany it, so the story has a strong visual impact on our readers. Profile pieces typically focus on an individual who can claim an impact – large or small – on the entire state, or whose actions would be of interest to our statewide audience. Trend stories can vary greatly, ranging from home decorating, gardening and food to arts and entertainment. But all must be proven emerging trends in our back yard. Travel pieces highly welcomed. Pays up to
$1,200 per articles up to 3,000 words.
OKANAGAN LIFE
http://okanaganlife.com/contributors-guidelines/
Okanagan Life is a regional character magazine (British Columbia, Canada) serving Okanagan residents Valleywide from Salmon Arm in the north to Osoyoos in the south. Pay ranges from 20 cents to 25 cents per published word, depending on experience (paid within 30 days of publication).
OKLAHOMA TODAY
http://www.oklahomatoday.com/oklahomatoday/Submissions.html
All of the magazine’s editorial content focuses on the best of Oklahoma’s people, places, events, and culture. We pay 25 cents a word, and payment is upon publication.
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JOBS
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EDITOR
https://www.usajobs.gov/GetJob/ViewDetails/422708000/
Location Springfield, VA. Emplkoiyer National Geospatial Intelligence Agency. Salary range $64,650 to $119,794 / per year. Editors edit, format, and disseminate various geospatial intelligence reports according to established agency publication policies, the NGA Writers Guide and Style Manual for Geospatial Intelligence Production, and ODNI sourcing standards. They review products dealing with complex analytical intelligence issues and provide guidance to geospatial intelligence analysts
and other editors regarding logic, clarity, comprehensiveness, relevance, and brevity. Deadline September 30, 2016.
SUPERVISORY EDITOR
https://www.usajobs.gov/GetJob/ViewDetails/426402500/
Location Tokyo, Japan. Employer Stars and Stripes publications. Serves as Publishing and Media Design (PMD) Editor for Stars and Stripes Pacific. Specializes in the production of print business products, overseeing four community newspapers – Stripes Japan, Stripes Okinawa, Stripes Korea and Stripes Guam – as well as several monthly and quarterly supplements and three annual magazines. Deadline July 12, 2016.
AGENTS / PUBLISHERS
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HYDRA
http://www.randomhousebooks.com/hydra/
Hydra is Random House’s digital-only imprint focused on science fiction, fantasy, and horror titles. There is no strict word count limit for submissions. We are interested in full-length works (40,000 words or more). Expected response time is 2-4 weeks, and you will hear from us whether or not we are interested in seeing the full manuscript.
UNION LITERARY AGENCY
http://unionliterary.com/bio/
Union Literary is a full-service boutique agency specializing in literary fiction, popular fiction, narrative nonfiction, memoir, social history, business and general big idea books, popular science, cookbooks and food writing. We excel at project development, hands-on editing and placing our projects with domestic and foreign publishers, film and television companies.
SALKIND LITERARY AGENCY
http://www.studiob.com/salkindagency/
A division of Studio B Productions, Inc. Works with general nonfiction trade and textbook authors.
CHALBERG & SUSSMAN AGENCY
http://chalbergsussman.com/home.html
Chalberg & Sussman is a literary agency representing a broad range of fiction and nonfiction authors in the areas of literary and commercial fiction, memoir, narrative nonfiction, lifestyle, humor, and pop culture.
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SPONSORS
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BOOK PROPOSALS THAT ATTRACT LITERARY AGENTS!
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DaveCarew1964@Gmail.com
(Please place "Book Proposal" in your subject line.)
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Murphy Writing of Stockton University Presents
GET AWAY TO WRITE - SCOTLAND
July 28 - August 5, 2016, Dundee, Scotland
WRITE IN SCOTLAND. Join us in the vibrant university city of Dundee to immerse yourself in a supportive week-long writing experience that will energize and inspire you. Enjoy encouraging workshops, plentiful writing time, readings by local writers and excursions to Edinburgh, the coast and more. Scholarships available.
" The writing prompts, discussions and workshops were thought-provoking, encouraging and welcoming. This Getaway was truly a life-rewarding experience. I left not only with amazing new friends but also with a renewed excitement and confidence for my writing." — Danielle, Barnegat, NJ
Register by April 10 and save: www.stockton.edu/murphywriting
Wergle Flomp Humor Poetry Contest (no fee) - Last Call!
15th annual free contest sponsored by Winning Writers. $2,250 in cash prizes, including a top prize of $1,000. Submit one humor poem online by April 1. Your poem may have up to 250 lines. No fee to enter. Both published and unpublished work accepted. All entries that win cash prizes will be published on WinningWriters.com and announced in the Winning Writers Newsletter, with over 50,000 subscribers. Final judge: Jendi Reiter. Winning Writers is one of "101 Best
Websites for Writers" (Writer's Digest). See guidelines, past winners, and enter online at www.winningwriters.com/wergle
GET WEBSITES THAT ROCK, BOOK COVERS THAT SIZZLE
Shaila Abdullah has over a decade of experience designing websites for authors. Being an award-winning author herself, she understands the industry, and will provide you with a content management website that reflects your unique style, genre, and personality. Other design services such as book covers & interiors, marketing materials, and email campaigns (newsletters, announcements, etc.) also available.
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"Superb work, excellent customer service. Just marvelous overall.” —C. Hope Clark, author, founder of FundsforWriters, http://chopeclark.com | http://www.fundsforwriters.com
"The site captures my spirit and passion, and it honors my dream since childhood." —Lyn Fairchild Hawks, author, http://lynhawks.com/
"Shaila is a terrific designer, highly professional and extremely creative and delivers amazing results. Her sense of humor and positive spirit has made the whole process of developing and launching my web site a pleasure. –James Hutchison, playwright, http://jameshutchison.ca/
"Her suggestions, insight, and artistic talent made the final product much better than what I’d envisioned on my own.” —Jacqueline Adams, writer, http://jacqueline-adams.com/
Other websites:
http://sbalexander.com/
http://lisakwinkler.com/
http://kbhyde.com/
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NONFICTION WRITERS CONFERENCE
The 6th annual Nonfiction Writers Conference returns May 4-6, 2016. This event is completely
virtual—no travel required! Pull up a seat on your couch and join us as 15 top speakers cover
how to publish, promote, and profit with nonfiction books! Details and registration:
NonfictionWritersConference.com. Click here to view more details
Click here to visit Book Design Templates.- Instead of trying to decide what your books should look like, we've made all the decisions for you. Just follow our friendly instructional guide, pour in your text and your book will be ready to go. All your styles and formatting needs are coded into our templates for easy use.
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Joel has created coupon code FFW35 for FFW readers. When you use FFW35 at BookDesignTemplates.com shopping cart, it will give you a 35% discount on anything on the site.
NOTE FROM HOPE: I've used these templates for ARCS, review copies for Edisto Jinx and fell in love with them! 
A new software program automates scheduling and tracking tasks for book projects, particularly great for indie authors. It's called Book Planner, another Joel Friedlander product, so that alone sells me on it. ~Hope
NOTE: 30 percent off for FundsforWriters readers. Click here.
Grammarly sucked me in and owned me after only ten minutes of using it on my latest manuscript, Edisto Jinx. Though my grammar skills are solid, Grammarly pointed me toward flow issues, awkward wording, repeated wording, and yes, the occasional grammar oversight. I caught myself changing sentences and enjoying the second set of eyes. Grammarly is truly one of the simplest and most useful editing tools I've ever experienced. ~C. Hope Clark, award-winning mystery author, www.chopeclark.com, and editor of FundsforWriters.com
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Fine print
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Please forward the newsletter in its entirety. To reprint any editorials, contact hope@fundsforwriters.com for permission. Please do not assume that acknowledgements listed in your publication is considered a valid right to publish.
C. Hope Clark
E-mail: hope@fundsforwriters.com
140-A Amicks Ferry Road #4 Chapin, SC 29036
Copyright 2000-2016, C. Hope Clark
ISSN: 1533-1326
**Note that FundsforWriters.com places paid advertising in this newsletter, ALL ads being related to writers and the business of writing, screened by FundsforWriters to make sure the information is suitable for writers and their endeavors to improve their careers. But the mailing list is not sold to third parties. You will not receive this newsletter without your permission. It's physically impossible since recipients must opt-in, giving us permission to send the newsletter. If at any
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. . . seriously. I use the 
, but depending on your situation, you might use any of several versions of 
. They walk you right through all the scenarios you could have, and I'm proud to recommend it. ~Hope Clark