For me, end of the year seems like a better idea, although I don't have a vested interest in this. I only mention it because you asked. All year seems too easy to disregard, at least to me. When it only comes up when it's necessary, it creates in me an sense of saving the forum when it needs to be saved whereas saving the forum all the time doesn't seem to be as purposeful. Others may not react that way, so maybe try it an see which gets the best response. As a side note, I appreciate you covering expenses that are not met, but I really don't think you or anyone else should have to do that. But thank you.
