Good advice about the extra cash. I keep 400K to 500K available in addition to the 800K in my retirement account that I need to go to the bank to get. But I don't want to wait a week for a deposit either. I seem to remember this happened last year, too. BTW, Bangkok Bank had been good about getting 3rd of the month deposits in accounts until last month. They were coming in late in the day, sometimes around 4:30, but they were getting there. But I believe daylight savings time in the US, when it starts, knocks things back an hour or two.