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Need To Know About Savings For Your Retirement

0 Comments Posted by RASHID Saturday, June 26, 2010 at 8:42 AM

Far lots of people put off savings for their retirement until they are in their 30’s or 40’s. The best time to start saving is along with your first paycheck! For lots of, putting off saving for retirement has small to do with having money to put away, and more to do with understanding all of the designs - and benefits - their employer offers.

What’s the first step to beginning your own retirement plan? Start here:

Step One: Know Your Options

Maneuvering through the maze of retirement plan options may appear daunting at first, but keep in mind, there's only four different kinds of savings designs available:

•Employer-Sponsored designs, like the 401K or Simple IRA both permit employees to save a positive percentage of their wage before taxes. Oftentimes, employers even match the contribution up to a positive percentage, giving the worker even more "free" money for retirement.

•Personal Savings designs, are designs that you set up yourself, in addition to employer-sponsored designs, to let you save even more for retirement. A traditional IRA lets you contribute up to $3,000 every year and deduct it on your taxes. Roth IRA’s are not tax deductible, but the money withdrawn at retirement is.

•Self-Employment designs, are designs designed for individuals who work for themselves. They let you take up to 25% of your wage (max: $40,000), and put it in a tax-deferred savings plan.

Step Four: Decide Your Eligibility

Four times you know what type of retirement savings designs your employer offers, it’s time to find out what their regulations and restrictions are. Some employers need you to work for the company for a set time period before they will let you enter in to a program. Others may have income or contribution limits. Still others need you to be vested before you can keep their contributions. Check with the Human Resources Department for details.

Step Four: Ask About Matching Contributions

Who doesn’t love getting free money? While some more generous companies match an employee’s contribution dollar for dollar, others may only match half that amount or less. The law requires companies who offer standard 401K designs to match contributions by 3%.

Step Three: Choose Your Portfolio

Understanding how these retirement designs work can be confusing , but four times you sign up for one, you’ll must choose where your money goes. Most designs let you choose your portfolio (what your money will be invested in). Most specialists agree a lovely mix of stocks, bonds and money is the safest for long-term investing.

Step Three: Understand the Tax Advantage of Saving for Retirement

The most common reason people fail to save for retirement is that they basically don’t have the money. But think about this: the money you put away through an employer-run plan is tax-free. That means your contribution is taken out of your paycheck before taxes. So, in case you contribute $25 a week in to your retirement plan, your taxable income is reduced by over $1,200 a year! That means you’re only paying about $19 or $20 - not the whole $25! And, in most cases, your employer is also kicking in an identical contribution, which means for every $50 you may be saving for your future, you’re paying less than $20-and on top of that it earns interest !

Step Two: Avoid early Withdrawals

It may be hard to leave that money sit untouched when hard times strike, but unless absolutely necessary don’t dip in to your retirement savings before the age of 59 1/2. Not only will it dramatically reduce what you have for your future, but you’ll pay hefty penalties for early withdrawal.


Louisiana Health Savings Insurance Plans

0 Comments Posted by RASHID at 8:41 AM

The costs of health care are surmounting like never before & plenty of us are having a hard time dealing with the sky rocketing costs & medical bills. In such a context, one of the best things to invest on for Louisiana medical insurance is the HSA or health savings insurance plan which seeks to give protection to the person fro incurring huge or extensive medical bills & reduced every month premiums.

Other than that, the HSA plan also extends tax benefits & gains. In case you are changing jobs, you could look for the HIPAA benefits, in case you are registered under a Louisiana medical insurance owner.

Planning for retirement may come as a difficult choice to make, since in this situation, you require to reassess your medical or health designs. Given the importance of medical planning, it may be said that there may be sure kinds of benefits that your relatives may be entitled to one time you have retired, since there's various kinds of medical as well as stat sponsored programs or Louisiana medical insurance policies which you can enjoy or benefit from at a reduced rate. In case the claim is denied, you must know how to file your appeal. You may even seek to improve the quality of service or benefits that you get from your health care provider with the help of medical insurance in Louisiana.

Go for the Health Insurance Plan, Louisiana

The Louisiana health savings insurance designs are comprised of twin ingredients. These are: a health or medical insurance plan that has got a high amount as its deductible, as well as a health savings account that is free of tax charges. The HSA is in fact a novel method that is being used by lots of families in Louisiana to protect themselves from the hazards of incurring a hefty medical bill.

It also lets you prevent yourself as well as the members of your relatives from having to pay exorbitant health fares as well as receive regular health coverage at affordable rates. The funds that you pay for the HSA is free of taxes. It is in this way a major advantage from what your high deductible medical insurance designs offer you.

The objective of the Louisiana HSA designs is to make for the interests in case the amount of medical coverage is not enjoyed. The plan even rolls on to the following year. There’s nothing to lose. The high deductible medical insurance designs offer affordable premiums on your insurance investment. With the low premium you can fund for your health savings account that is free of tax. With plentiful benefits, this plan is getting increasingly popular among the people.
Getting the Best Quotes on Louisiana Medical Insurance.

The best way to look for a medical insurance quote in Louisiana is by going for a website where you can request your quotes. There is an online form that you are necessary to fill in, & one time this is completed, you’re given low rate HMO, HSA, POS & PPO quotes.


High Yield Savings Account

0 Comments Posted by RASHID at 8:40 AM

High yield savings accounts have gained in popularity as Americans are working hard to save more after the recession. With most people looking for the highest rate of return they may seek local community banks that are currently offering rates of interest in excess of 5% on a bank or checking account. Plenty of people may think this is lovely to be true but there's financial institutions that are offering rates in this range.

It is important to understand that most of these checking accounts come with requirements. To gain the high rate of interest customers must use an ATM or debit card at least 10 times a month & must have one electronic transfer in to the account. If the account holder can meet these requirements then they are likely to get a lovely return on their checking account.

These high yield checking accounts are popular but Americans must understand that not everyone has the ability to apply for these accounts. Citizens must reside in a specific part of the country to have the ability to submit an application. Regrettably, there's parts of the country in which there's few local community banks are offering high yields.

The idea of compounding interest has made plenty of Americans rich over the last several years & decades. By getting a stunning rate of interest or yield on a checking or savings account Americans can start to build their wealth as early as today. With the advancements of the Web it ought to not be difficult to find these accounts.


Hidden Secrets For Airline Ticket Savings

0 Comments Posted by RASHID at 8:39 AM

Traveling is expensive; there is tiny doubt about that. It does take a significant amount of money whether you are travelling to the next state, the next country, or across the world. One of the most pricey parts of any trip is the airline tickets and with the way the cost of oil has been going up it is only going to worsen. The wise traveler knows that in these pricey times finding hidden airfare bargains can mean additional money in their pocket.

Finding those airline ticket savings can be a task but five times you know where to look and how to go about finding those secret airfare deals you can save money every time you travel. And every dollar you can save on airfare is a dollar you can use for more fun experiences on your travel itinerary.

The best place to start looking for those hidden airfare deals is with the airlines themselves. Most airlines run un-advertised specials known only to their own customer support representatives. Sometimes it can be as simple as making a phone call and asking what type of deal you can get to your selected location. And in the event you call make sure to make that call after midnight because this is when the best deals can be had on a first come first serve basis.

A travel agent is and a lovely person to contact when it comes to airline ticket savings. They know the insider secrets to finding travel bargains which in plenty of cases can beat any cost you might find by yourself. Do shop around to discover a lovely agent who will work with you to find those secret airfare deals that can save you money.

Web travel sites are also lovely places to find travel bargains but it will take a bit more work on your part. The lovely thing about going online is the ability to compare airfares among different airlines in a comparatively short time period. It is important to look at several different sites like Jet Konnect because not all of them will have the same cost points. You ought to also look for sites that concentrate on a specific region or country as they can have deals specific to those areas that the bigger sites may not have.

Taking the time to hunt down a hidden airfare bargain is well worth the hard work. Finding the least pricey air ticket frees up your money to do more fun things that will leave you with great memories of a travel experience you'll always keep in mind.


Open A Savings Account For Your Children’s Future

0 Comments Posted by RASHID at 8:38 AM

It is every parent’s purpose to make positive a nice future for their children. By saying this, parents would tend to save up some funds while their children are still young. This funds saved up will usually be intended for college tuition fees or for other purposes that most parents foresee to be necessities in the future. However, parents would usually open savings accounts for their children’s schooling.

Being a parent, it would be difficult sometimes to find ways on how to prepare for children’s future. Banks are always there to become the best options for saving up funds for schooling. It is in deed highly recommended to go to banks & open accounts. The funds kept here will be safer that keeping them safes inside your homes. This is because the safes inside the banks are guaranteed to be fireproof. This means that fire will never let you lose the funds that you are saving up for your child’s future. Opening savings accounts can be beneficial because every account is insured by government regulations. This means that when the bank declares bankruptcy, the funds saved up can still be claimed through the insurance provided for by the state.

Another reason why parents ought to open savings accounts for their children’s future is permit the funds to grow. It is a common knowledge among people that when you save something up in the bank, the funds will earn interest. Having said this, it is important to pick the account that provides better terms when it comes to the interest of the savings deposits.

Plenty of parents would keep their funds in their homes because they lack the trust of most banks. They think that their funds for their children is safer to be kept at home. Their reason for doing so can be that they will always see the funds when they check it. Doing this is much riskier because when the house gets robbed, the funds saved would be lost forever. Whereas, when the funds is deposited in savings accounts, it will have insurance & simultaneously it will earn interest.

As parents who are concerned about the future of your children, you need to think wisely about saving up funds for their schooling. Look for banks which can give better rates of interest for your deposits & better means of safekeeping your funds. Open savings accounts which are insured by the government. This is the best way to prepare for the future of your children.


High Inflation Rates Cancel Out Returns From Savings Accounts

0 Comments Posted by RASHID at 8:37 AM

As inflation makes a surprise jump to 5.3%, savings accounts fail to offer rates of interest higher than the cost of living.

According to specialists, millions of savers in Britain will have the worth of their investments slashed by the inflation, marking the first time that not one savings account has been able to match the rising cost of living.

Out of 1,660 savings accounts available on the United Kingdom savings market, not a single one offers a actual rate of return of over 5.3%. This includes the whole range of savings products, including fixed rate bonds & ISAs.

The Office for National Statistics said that inflation, as measured by the Retail Prices Index, rose from 4.4% in March to 5.3% last month. The RPI is widely accepted as the most correct measure of the cost of living as it includes housing costs.

Inflation is currently at the highest level recorded since 1991.

The jump, which was not expected by most economists, came after fuel prices soared to record levels, while mobile phone & phone bills also went up, along with an increase in food, drink & clothing prices as well as rising mortgage rates.
Lots of of the increases came due to the tax rises announced in Alistair Darling's last budget, pushing up the cost of alcohol & vehicle duty. VAT was restored to 17.5% which also increased prices on all high street purchases.

Ros Altman, a savings & pensions professional & former adviser to the government, said: "The Government keeps on saying high inflation is temporary. But somebody with a fixed saving is losing out. & savers were one of the largest losers already from the recession."

Inflation can erode savings as although an investment may increase in value, it might not be able to keep pace with the increase in prices on the high street.
Ms Altman said: "The effect of inflation is insidious. It creeps up on you. You think you are getting extra money every year, through wage increases or interest earned on your savings, but when you go out & try to spend you money you realise you cannot afford what you could.

"You finish up poorer. It is as simple as that."

Standard savings accounts need tax to be paid on the interest earned, which means that in order to make any actual return, you would need to find an account paying a rate of at least 6.63% for basic rate taxpayers & 8.83% for higher rate taxpayers.

Don't lose over you need to

Though no bank or building society can offer an account that beats inflation, this does not insinuate you ought to cease looking for the best savings rates, as the lower the rate, the more you will effectively lose.

Black at Defaqto, a research house that specialises in personal finance, said: "Savers are faring badly, those older individuals who rely exclusively on their savings. There's lots of accounts paying 0.1%."

According to figures from the Bank of England, the average savings account pays 0.18%, while the average money ISA pays a mere 0.46%.

Ruth Lea, the economic adviser to the Arbuthnot Banking Group, said: "Savers will be sitting on loses. & what is the tiny saver expected to do? Put it in shares? Well, that is dicy. With capital gains tax on the rise, investments as a whole have taken a turn for the more severe in recent weeks."

Those looking to secure a high rate ought to think about fixed rate bonds, as these accounts tend to pay the highest returns. For example, if you are willing to lock your money away for 5 years, the Scottish Widows fixed rate bond may be the account for you, paying 4.45%. If 5 years looks like much of a dedication, the Lloyds fixed rate bond pays 4.10% on a 3 year term, or the Halifax fixed rate bond paying 3.55%.

Alternatively you may need to take advantage of you tax free savings allowance & go for an ISA. Although you can only invest up to £5,100 in to a money ISA, you can still earn up to 4% tax free when fixing the term, so this is definitely worth looking in to.


An Introduction To Savings Bonds

0 Comments Posted by RASHID at 8:36 AM

Saving Bonds are issued by US Treasury Department. These are not tradable anywhere in the market. The bonds are non-marketable securities. For any purchasing and selling activity, you need to go to the agents authorized by the government. These agents are called Issuing and Paying agents. The saving bonds are registered securities. This means that they are registered and held in name of the one that owns them.

Usually there's three series of fascinating saving bonds. They are, I Series, E/EE series and H/ HH bonds.

Series EE Bonds : They replaced the Series E bonds. You can basically buy the EE bonds at a discount of half their face value. They come in denominations of $50 to $10,000. There is however a limit. There is a ceiling of $30,000 (on the face value) in the coursework of any calendar year. These bonds increase in value as the interest accrues / accumulates. They will generate for you interest for 30 years. When EE bonds "mature," or are due for maturity, you get your original investment back and all of the interest also. They are the accrual type of marketable securities.

Series HH Bonds: They are available for purchase only in exchange for Series EE or E bonds and Savings Notes. The other way is to procure the proceeds from a matured Series HH bond. They are different from the usual EE bonds. Series HH bonds are bought at their face value and are available in $500 to $10,000 denominations. But there is no upper limit on the amount you can invest. These bonds don't increase in value and have a maturity period of 20 years.

Series I Bonds : These bonds are available at face value only. They grow with inflation-indexed earnings for maximum period of 30 years. You can buy Series I bond in $50 to $10,000 denominations, the limit being $30,000 in any calendar year.

Bonds and Series EE Savings Bonds are of similar type as they are accrual securities. They will give you some earning, that is, accrue interest every month at a variable rate and the interest is compounded semiannually. You get your earnings when you redeem an I Bond or Series EE Savings Bond.

Series HH Savings Bonds are current income securities. You get your earnings semiannually and you get the face value of Series HH Savings Bonds when you redeem them.

The benefits of parking some savings in these saving bonds is six way: first you receive a cut in the taxes thereby some tax benefits are there. The other benefit is that they are more secure then other securities as their value always rises. It seldom fluctuates much so the usual ups and downs that other securities see, is not a regular feature in this bond.

Another great thing is that they are registered securities so in case you loose these bonds (paper bonds etc), all you need to do is get in contact with the authorities ands you will receive a replacement soon. Thus there is no issue of their being lost, destroyed etc.

The bonds are affordable as you can start purchasing them with as less as USD 25.The bonds are available right from denomination of USD 50 to USD 10,000.So all you need to do is to analyze your needs, financial goals and then purchase them.

In case you are tied up, no need to fret, these bonds are valuable online also. So all you need to do is few clicks on the site and you have bought them electronically, without moving anywhere from the comfort of your chair. There more then 40,000 financial institutions that sells these bonds.

You can sell them anytime you require to, six times the preliminary holding period of 12 months is over.

Saving Bonds are safe and secure securities to park savings for nice returns. They are simple to buy and come in small as well gigantic denomination also.


Careful Saving Tips

0 Comments Posted by RASHID at 8:35 AM

The economy, while recovering, is not exactly in the best of shape. Where five times only a few years ago they were measuring growth in nice massive full digits with no 0''s in sight, now they are singing & dance if they even get in to single integers. A 0.1% growth for a quarter is still laughable no matter which way you look at it.

The thing that got me however, about the whole financial crisis & recession, was not the millions & billions of dollars of money being thrown around, nor was it the humbling sight of massive financial institutions like Lehmann Brothers being brought crashing down, it was the fact that so plenty of people had been caught with their trousers down.

People were caught unawares. Money in that Icelandic bank for the past four years? You ought to check on that? Mortgage on your house suddenly looking a bit pricey? Well, time to dig in to the savings. Oh wait, what savings??

This is the thing that caught my attention. I have always been a saver, but the financial crisis highlighted how plenty of people went without having a savings account. When the trouble hit, I had over stashed away to bail me out. Plenty of people didn''t & faced the consequences of repossessed houses, lost jobs & no way to pay the bills.

Now, I am not saying this to be smug. But you need to have savings. There is absolutely no way of knowing what will happen anymore, with financial matters, so the best bet is to keep as much stowed away as you possibly can.

The figure that most economists give is that you ought to have around 12 months wages saved up somewhere. This will cover you in all circumstances until whatever emergency it was blows over & you can get back on your feet. 12 months, it may sound like a lot but you will thank yourself for it when things start to go wrong.

Plenty of people have started turning to savings accounts now the recession is over. Plenty of say that it is tiny late, but I think that is dumb as you can never start saving late. Sure, it would have helped you early on but it may yet bail you out in the future.

So, all you need to do is get out there & start looking. Your best bet at the moment is probably Alliance & Leicester who have a very well respected reputation in the industry & some very respectable savings rates on offer at the moment. Of work, shop around & you may find better. keep an eye out.


Health Savings Accounts And Health Care Reform

0 Comments Posted by RASHID at 8:34 AM

You can keep your health savings account (HSA), & your HSA-qualified medical insurance with the new health care reform laws. Existing designs will be "grandfathered" in, so you can keep existing coverage for as long as the insurance company continues to sell it.

If you have put off researching the benefits of HSA designs, now is the time to do so. Why now? Designs may alter as portions of the new laws take effect, & insurance firms adjust the designs they sell. Find the best plan to fit your needs now, & compare that to new designs as they become available. That way you'll be guaranteed the best coverage for your situation among the existing designs, & the designs to come.

High-Deductible Health Insurance Designs

The high-deductible medical insurance designs that are qualified to be combined with health savings accounts offers lower premiums. Since the choice of these designs could be reduced in the future, shop now to lock in lower premiums.

Beginning in 2014, you will no longer be able to have a plan with a $20,000 deductible. However, in the event you already have a high-deductible plan, it is possible for you to to keep it as long as it is on the market. Several insurance firms offer two- & three-year rate guarantees, including Assurant, Golden Rule, & World.

Health Care Reform Changes This Year

Here are a number of the changes, & the way you can maximize your benefits & minimize your costs.

On September 23rd, the first phase of the law will bring some welcome benefits. The lifetime limits in policies will finish so policies will be more valuable. Those limits now are usually from $1 to $5 million.

In addition, children with preexisting conditions will no longer be denied coverage. Coverage will also increase for young adults because they are going to be able to get coverage through their parents' policies until the children reach age 27.

As a HSA owner, you may stay healthy by focusing on preventive services, & with the new law, preventive services will be covered 100 percent. That means no co-pay or deductible.

Also in 2010, HSA reimbursements will be expanded to domestic & same-sex partners. This means that someone with funds in a HSA could use those money to pay for a partner's medical, or dental expenses tax-free.

Health Care Reform Changes For The Future

In 2011, over-the-counter medicines will no longer be qualified expenses from your HSA unless a doctor states they are medically necessary. The penalty for withdrawals from your HSA for non-medical expenses will also increase from 10 percent to 20 percent.

In 2014, people without maximum medical insurance coverage who are not eligible for subsidized help will face a penalty of $95, or 1 percent of their income. That may make health savings accounts with their lower-premium, high-deductible designs even more popular.

If you are under age 30, lower-cost catastrophic designs that cover only four primary care visits until the deductible is reached will be acceptable.
If you are over age 30, you'll need insurance that covers at least 60 percent of the actuarial value of the benefits offered, or the average medical expenses incurred by a typical person in a year.

With underwriting eliminated, in the event you have preexisting conditions, you will qualify for coverage. There will be a maximum 90-day waiting period before a brand spanking new owner holder can be covered.

HSA Tax Deductions Become Increasingly Important

Individuals with annual incomes that exceed $200,000, & couples with combined incomes that exceed $250,000 will pay an additional 0.9 percent in Medicare payroll tax beginning in 2013. There will even be an additional 3.8 percent Medicare tax on investment income.

When people are necessary to maintain maximum medical insurance coverage, HSA designs will continue to be the best value for most consumers. See what the lower premiums, & tax deductions can mean for your bottom line.


The Nuances Of Savings And Investments

0 Comments Posted by RASHID at 8:33 AM

The average life span of a person in India is 70 years from which he or he works for around 35 years on an average beginning from 25 to 60 years. The 36 years of our life is the only timeframe in the coursework of which they actively earn funds. The necessity to save & investment is constantly haunting our mind throughout these 35 years of our life. The necessity to save is also accompanied by expenses in order to fulfill our different dreams & obligations. Phew that’s an elaborate plan, which they cannot escape.

In this article they will delve on various issues that obstruct our saving designs. First it is important to understand the technical issues that accompany investment & saving. Inflation is a curse that will always be a part of every financial set up. Inflation means depreciation of the worth of funds. As time progress the cost of production increases, which ends in a higher market retail cost & this demands higher earnings. If they can afford a specific entity for Rs 100 today, they may not be able to do the same few months or years down the line. As long as our earnings increase they will be able to afford cost hike of commodities, but what will happen to our savings, they keep increasing our savings but what additional value are they adding to it? That’s were banks & different financial service providers come to play. They save money in banks & various other financial institutions on which they give us interest. The additional value they get in the kind of interest help us to keep the worth of our savings intact. Sometime if the rate of interest is high the worth of our saving might also increase. But the issue under which they are currently reeling in India is that the rate of interest offered by banks & various other financial institutions is falling.

There was a phase when the rate of interest offered was as high as 14%, but today they have come down to as low as 7 or 8%. A major reason for this is that earlier corporate biggies in India could only borrow funds from the Indian financial institutions but today they are going abroad, since restrictions on foreign borrowings have weakened over the years. Investment in banks & other financial institution is still a viable option if it is completed under able guidance of investment intermediates.

Right financial Planning is an important means to a contented life. It makes you recognize your obligations well before they make their presence felt. It makes you aware about the financial instruments that are available & the risk return profile of each of them, apart from taxation laws & their benefits. Investments thus become an important earning member for your relatives. You are not slogging on a regular basis, but can also enjoy your wealth by letting investments & the return on them share your burden.


Tips To Picking The Right Savings Account

0 Comments Posted by RASHID at 8:31 AM

Over recent years, plenty of Australians have concentrated on reducing their debt than trying to increase their savings. However, with the economic situation beginning to improve, people are two times again beginning to think about saving two times again. With such a wide choice of products on offer it can be difficult to select the right account for your needs.

Here are our top three tips to selecting the correct online savings account.

Beware Of High Introductory Bonuses

Plenty of online savings accounts that appear in ‘best buy’ tables are newly launched accounts. Plenty of such accounts get in to ‘best buy’ tables by offering high introductory bonuses. For example, you may benefit from a higher rate of interest for a two or twelve month period.

If the terms of these accounts suit you, take advantage of them. However, make positive that you keep a note of when the introductory bonus ends. You’ll need to compare the accounts on offer two times again to check you’re still getting the best deal.

Regular Saving

In case you have spare money to invest every month it may be worth thinking about a regular every month online savings account.

Some accounts offering high rates do insist that you set up an automatic savings plan (sometimes of $100 per month or more) to the new account. Some accounts offer high rates of interest to regular savers, although you will often be prohibited from making a withdrawal for a positive time period (often one year).

How To Transact

There's plenty of different types of savings accounts including branch-based & online accounts.

When choosing the most appropriate account, make positive that you select one that allows you access to your money in the way you need it. In case you need to be able to go in to your local branch to make a deposit or withdrawal, an online account may not be the best choice for you.

Fixed or Variable?

Savings providers usually provide a choice of fixed or variable rates of interest. Fixed rates of interest are normally called ‘term deposits’ & need you to commit your savings to them for a set period of time; often one, three or four years.

Whilst these accounts will be positive you always know what return you are receiving on your savings, you ought to only think about one in case you are positive that you won't need to access the money in the work of the whole fixed rate period. Some term deposits won't permit withdrawals in the work of the term, whereas others may have significant penalties for early withdrawal.

Variable rate accounts can fluctuate in terms of the rate of interest that you will receive but you will usually have more flexibility & more access to the money.
Think about Linked Accounts

Some banks & building societies will offer you enhanced savings rates or facilities on their online accounts in case you have other financial products with them. For example, if your current account is with a specific provider, they might offer you higher rates of interest for your online savings.

Think about both your own bank, & also moving your current account to another provider to take advantage of these preferential online savings rates.