MELY.... TC, thank you very much..... just saw the donation :)
Paying it forward, does go along way.... when you do something nice/considerate, shows the "true" character of oneself.
Along w/ MELY, some other investment consideration/s.... As we know, OIL in general has lost over 50% of its value in the last few months. You don't get many of these pullback opportunities, as OIL will not stay at this level for very long & will eventually rebound. The majority of analysts believe OIL is currently in the process of forming a bottom. The consensus among *most analysts is, a low to mid $40 range, but an intra-day low, we could possibly see a print in the $30's, (though some OIL Bears are calling for a $20 print).
The money that you're currently saving at the gas pump, "should" be going toward some type of OIL investment, such as the $USO aka (United States Oil fund) or the $OIH aka (Oil Service ETF). The USO's 52 week high was almost $40 pps (currently $18) & the OIH 52 week high was nearly $60 (currently $34).
The Saudi's & OPEC are keeping OIL prices artificially low, by not cutting production & we may even see the possibly of boosting supply/production in upcoming meetings. Essentially their strategy is to put a choke-hold on the the Canadian Oil fields, US Shale & offshore exploration/drilling efforts... basically to keep them from profiting.
How can they do this? Because it only cost the Saudi's $4-$5, to produce a barrel of OIL, vs. the majority of US production of $75-$40, to produce a barrel of OIL.... (so, the Saudi's can easily weather, any temporary OIL price cuts).
IMO, in the next (9-24 months) OIL will be trading in the $80-$100 range again. I would suggest, dollar cost averaging, into any of the beaten-down, OIL related stocks/ETF's.... Look @ an investment in..... USO, OIH, RIG, which all should rebound nicely, when OIL starts to rise again..... :)