Search found 167 matches

by teelainen
Fri Nov 08, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance: Public-exchange ACA plans on HealthCare.gov - Do they have advantages over private plans?
Replies: 7
Views: 682

Health Insurance: Public-exchange ACA plans on HealthCare.gov - Do they have advantages over private plans?

We are self-employed and shopping for a health insurance plan for 2020. We have been considering the public exchange ACA plans on HealthCare.gov I just looked at some of the plans and although the plans are all HMO, the coverage still seems pretty decent. For example, with the Blue Cross Blue Shield...
by teelainen
Fri Nov 08, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: How often should someone rebalance?
Replies: 43
Views: 3152

Re: How often should someone rebalance?

I’m Using a 3 fund portfolio. And over the last few years I rebalance twice per year. These dates are set, and are unrelated to which day the market is up or down. Is twice per year too often or too few times per year to rebalance? I’m sure the data varies on this topic but what do the smart people...
by teelainen
Mon Nov 04, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should Chinese wife keep her China Citizenship?
Replies: 15
Views: 1732

Re: Should Chinese wife keep her China Citizenship?

Invictus002 wrote:
Mon Nov 04, 2019 12:47 pm
There are 1000s of couple in this exact scenario. Most make a certain decision well known in the Chinese community. Talk to people in the Chinese american community in your locality. You will get the best answer.
What is this well known decision in the Chinese community?
by teelainen
Mon Nov 04, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should Chinese wife keep her China Citizenship?
Replies: 15
Views: 1732

Should Chinese wife keep her China Citizenship?

Here is a scenario from a couple who lives in our neighborhood. They asked me for my opinion this weekend. Their Scenario: -The husband is a US Citizen. He is married to a woman who holds a China Citizenship; however, she does have a US Green Card (Permanent Resident). -They are happily married, liv...
by teelainen
Thu Oct 17, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121480

Re: What frugal thing did you do today?

Ate free Costco samples for lunch (entire meal).
by teelainen
Thu Oct 17, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3913

Moving my home landline phone number to MagicJack - good idea?

We currently pay about $35 per month to our local phone company to have a landline phone number.

Has anyone ever tried moving your home landline phone number to MagicJack? Is it a good idea?

Also, is there anything else that is even better than MagicJack?
by teelainen
Fri Oct 11, 2019 9:55 am
Forum: Investing - Theory, News & General
Topic: BRK-A or BRK-B for our grandchildren?
Replies: 33
Views: 4269

Re: BRK-A or BRK-B for our grandchildren?

msi wrote:
Fri Oct 11, 2019 8:57 am
It's great that they're interested in this at such a young age.
It all started when the grandkids watched CNBC and saw that Warren Buffett ate at McDonald's every morning and drank 5 cans of Coke everyday.
by teelainen
Thu Oct 10, 2019 11:35 pm
Forum: Investing - Theory, News & General
Topic: BRK-A or BRK-B for our grandchildren?
Replies: 33
Views: 4269

BRK-A or BRK-B for our grandchildren?

We are thinking about buying some Berkshire Hathaway stock for our grandchildren. They love Warren Buffett and love watching his videos on YouTube. They are still young right now, so they can't own stock in their own name yet. But we can buy stocks on their behalf through a custodial account. Should...
by teelainen
Mon Oct 07, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?
Replies: 16
Views: 1492

Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?

Let's say you have an insurance plan and you need to see a specialist who specializes in doing ABC surgery. The insurance company has no ABC surgery specialists in-network for your insurance plan. So the insurance agrees to let you see an ABC surgery specialist who is out-of-network and the insuranc...
by teelainen
Thu Oct 03, 2019 9:55 pm
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6824

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

I've been a very satisfied Fidelity customer and will most likely keep them for checking and new investments regardless of whether they charge commissions (but I do expect them to match Schwab's move). That said, I did move my existing investments to Merrill Edge as part of a mortgage relationship ...
by teelainen
Tue Oct 01, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6824

If all brokerages charged zero commission for trades, which brokerage would you pick?

We were just about to open a Robin Hood account this morning until I heard about the Schwab news. It seems like all brokerages will eventually go to zero commissions. Should we open our Schwab account now? Or should we wait until a better brokerage offers zero commissions? We are in no rush right no...
by teelainen
Fri Sep 13, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should we keep paying for this life insurance policy?
Replies: 18
Views: 1546

Re: Should we keep paying for this life insurance policy?

Why is the cash value 0 if the policy had been paid every month of every year for 30 years? When this man first purchased the policy 30 years ago, he paid an amount each month that exceeded the "cost of insurance" premium. He paid that same amount for many many years. The excess money paid each mon...
by teelainen
Fri Sep 13, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Can Self-Employed people get a PPO Health Insurance Plan?
Replies: 27
Views: 1688

Re: Can Self-Employed people get a PPO Health Insurance Plan?

For everyone who replied to this thread, can you please tell us what state you live in? It seems like every state has different insurance plans available for self-employed people.
by teelainen
Fri Sep 13, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Should we keep paying for this life insurance policy?
Replies: 18
Views: 1546

Re: Should we keep paying for this life insurance policy?

Here is some more clarification on this person's situation: - This person is still married to his wife, who is about the same age. Both are in good health. All their children are grown up and independent. - They live in a home that is paid off, in a relatively low cost of living area. - In addition ...
by teelainen
Thu Sep 12, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should we keep paying for this life insurance policy?
Replies: 18
Views: 1546

Should we keep paying for this life insurance policy?

This life insurance policy was purchased 30 years ago when the person (a male) was 37 years old This person is 67 years old now and in good health. The amount of the life insurance policy is only worth $100,000 and it will never change. Currently, the monthly premium is $118 and it will go up by 10%...
by teelainen
Thu Sep 12, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Can Self-Employed people get a PPO Health Insurance Plan?
Replies: 27
Views: 1688

Can Self-Employed people get a PPO Health Insurance Plan?

If you are self-employed, are there any places to buy a PPO health insurance plan?

It seems like everything is HMO now.

If you are self-employed and have been able to buy a PPO health insurance plan, please share and also tell us what state you are located in.
by teelainen
Fri Aug 23, 2019 7:38 am
Forum: Personal Investments
Topic: 1031 exchange to DST, anybody?
Replies: 8
Views: 1132

Re: 1031 exchange to DST, anybody?

I did a 1031 to 2 properties + DST to cover the boot. This main issue I had was choosing a sponsor/project to put the money into. The investment brokerage selling the DST had many offerings and I found it difficult to make an informed decision on which investment to pick. All of them have rosy pro ...
by teelainen
Thu Aug 22, 2019 10:35 pm
Forum: Personal Investments
Topic: 1031 exchange to DST, anybody?
Replies: 8
Views: 1132

Re: 1031 exchange to DST, anybody?

I did a 1031 to 2 properties + DST to cover the boot. This main issue I had was choosing a sponsor/project to put the money into. The investment brokerage selling the DST had many offerings and I found it difficult to make an informed decision on which investment to pick. All of them have rosy pro ...
by teelainen
Thu Aug 22, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: CPA Tax question about "Temporary 100 percent expensing for certain business assets (first-year bonus depreciation)"
Replies: 8
Views: 407

Re: CPA Tax question about "Temporary 100 percent expensing for certain business assets (first-year bonus depreciation)"

I believe “predecessor” here is relevant only where there has been a merger, acquisition, or change in corporate structure. This has nothing to do with the preceding owner of the asset where that prior owner is not a related party. Edit: +1 to livesoft livesoft and ivk5 , Thanks for your great advi...
by teelainen
Thu Aug 22, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: CPA Tax question about "Temporary 100 percent expensing for certain business assets (first-year bonus depreciation)"
Replies: 8
Views: 407

Re: CPA Tax question about "Temporary 100 percent expensing for certain business assets (first-year bonus depreciation)"

Yes. Why wouldn’t you? Did you use the car before acquiring it? Obviously, I could not have used the car before I even purchased it. However, read bullet point #1. It talks about the predecessor. So the question is this: Did the predecessor (the car dealership) use the car? What do you think a CPA ...
by teelainen
Thu Aug 22, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: CPA Tax question about "Temporary 100 percent expensing for certain business assets (first-year bonus depreciation)"
Replies: 8
Views: 407

CPA Tax question about "Temporary 100 percent expensing for certain business assets (first-year bonus depreciation)"

In 2018, we purchased a used 5 year-old car (sedan) at a local car dealership. We use it 100% for our business. The IRS has a new rule after September 27, 2017 that allows for the following: Temporary 100 percent expensing for certain business assets (first-year bonus depreciation) The new law incre...
by teelainen
Tue Aug 13, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio bullish on China (China market cap to overtake US in 2030?)
Replies: 58
Views: 5663

Re: Ray Dalio seems like China. Is he biased? Or correct?

OP, If it is not safe to invest in China, why should we as an individual investor care about whether China stock market/economy is doing well? It won't matter to us. If the Chinese in China do not believe that it is safe to invest in China, why do you think it is safe for you as a foreigner to inve...
by teelainen
Tue Aug 13, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio bullish on China (China market cap to overtake US in 2030?)
Replies: 58
Views: 5663

Ray Dalio seems like China. Is he biased? Or correct?

He recently did a 30 minute long interview where he seems to like China, not just a little but A LOT. Do you think he is biased because his company (Bridgewater Associates) is heavily overweight and invested in emerging markets? Or do you think he is actually correct in thinking that the China stock...
by teelainen
Mon Aug 12, 2019 12:48 am
Forum: Investing - Theory, News & General
Topic: Delaware Statutory Trusts (DST) - Anyone have a good experience with this?
Replies: 2
Views: 542

Delaware Statutory Trusts (DST) - Anyone have a good experience with this?

Has anyone here had a good experience investing in Delaware Statutory Trusts (DST) ? 1. What are some things to be careful about and watch out for? Any tips or advice would be appreciated. 2. Does anyone know a good place to buy Delaware Statutory Trusts (DST) ? 3. What are some of the best types of...
by teelainen
Mon Aug 05, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: The Super rich are selling stocks...
Replies: 13
Views: 3601

Re: The Super rich are selling stocks...

There is some truth to this article. I know a few investors with net worth over $10 million who sold a large portion of their stocks this summer.

Their AA was about 70/30 or 60/40, but now they are closer to 25/75 or 20/80.
by teelainen
Fri Jul 26, 2019 12:47 am
Forum: Personal Investments
Topic: What to do in a crash
Replies: 65
Views: 7298

Re: What to do in a crash

So I understand that I am in it for 15 years and you lose by selling in a correction or crash. So, in a crash, what do you do? What are the temptations and thought proccess s that occur and what are the mistakes commonly made? It seems straightforward. Don’t sell no matter what. Don't look at the a...
by teelainen
Thu Jul 25, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Does your bank charge fees for personal ACH transfers to other banks?
Replies: 32
Views: 1840

Does your bank charge fees for personal ACH transfers to other banks?

For example, if you transfer money to/from your checking account to another bank (i.e., some other online high-yield savings account), does your bank charge you any fees? My bank just notified me this morning that they will start charging a $3 fee for personal ACH transfers to other banks. Is this n...
by teelainen
Thu Jul 25, 2019 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Any good free money promotions from a bank or brokerage this month? (July 2019)
Replies: 7
Views: 1299

Any good free money promotions from a bank or brokerage this month? (July 2019)

Has anyone seen a better promotion than this one? If so, can you please share it with the group? Marcus Bank (Goldman Sachs) is giving you $500 free if you deposit $50,000 into their online savings account (which is yielding 2.15% APY per year). You just need to leave the money there for 90 days. Do...
by teelainen
Wed Jul 17, 2019 8:39 am
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 123
Views: 12204

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

not entirely sure this type of thread is allowed but figured if it is, it could gain traction. obviously most (all?) of us are relatively risk averse, most especially as it relates to retirement. that said, assuming you have a "fun money" account - an account where, if you lost everything you would...
by teelainen
Wed Jul 17, 2019 8:25 am
Forum: Investing - Theory, News & General
Topic: Is it safe to park cash at Wealthfront's 2.57% cash account ?
Replies: 2
Views: 522

Is it safe to park cash at Wealthfront's 2.57% cash account ?

I have never heard of this company until just now, but apparently they are offering 2.57% APY on their cash account.

Has anyone ever used them before? Are they safe and reliable?

Or can you get 2.57% (or better) elsewhere with a more well-known bank?

Thanks.
by teelainen
Thu Jul 11, 2019 10:38 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 5504

Re: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

But sometimes the asset allocation of the ultra-wealthy can withstand market crashes a little better. Do you have any basis for this statement? I would propose that a single investment in a 40/60 3-fund or even LifeStrategy Conservative (40/60) would have less drawdown in a crash than the average p...
by teelainen
Thu Jul 11, 2019 6:25 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 5504

Re: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

I'm glad I discovered this site and the concept of the 3 Fund Portfolio. My question to OP is, why bother with anything besides the 3 Fund Portfolio? Set it and forget it. Live life. I love the 3 Fund Portfolio. But sometimes the asset allocation of the ultra-wealthy can withstand market crashes a ...
by teelainen
Thu Jul 11, 2019 10:00 am
Forum: Personal Investments
Topic: VOO vs bonds
Replies: 62
Views: 3438

Re: VOO vs bonds

I know I am beating a dead horse here BUT I ask you: Do you believe the s&P 500 will beat bonds in the next 10 years? Everyone assumes it will but I can get A+ bonds at 4% and many say the S&P will return 3-4% now as opposed to its historic 6-7% returns. I am going to stick with VOO because there i...
by teelainen
Thu Jul 11, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 5504

Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

Based on this model asset allocation of the ultra-wealthy, it appears that they invest very differently from average investors. 26% - Real Estate 25% - Private Equity 22% - Public Equities 12% - Cash 9% - Fixed Income 5% - Hedge Funds 1% - Miscellaneous 0% - Currencies & Commodities https://i.ibb.co...
by teelainen
Wed Jul 10, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: Vio Bank 2.52% APY High Yield Online Savings Account - Any good experiences?
Replies: 6
Views: 1013

Re: Vio Bank 2.52% APY High Yield Online Savings Account - Any good experiences?

I opened an account with them about a month ago. Smooth process. Their online interface isn't as up to date as say Bank of America or other big banks for that matter but I'm guessing that's how they can offer those good rates lol. A let a few family members know of the bank and they too rolled over...
by teelainen
Wed Jul 10, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Vio Bank 2.52% APY High Yield Online Savings Account - Any good experiences?
Replies: 6
Views: 1013

Vio Bank 2.52% APY High Yield Online Savings Account - Any good experiences?

Has anyone had a good experience with Vio Bank's 2.52% APY High Yield Online Savings Account ? I am thinking about switching away from Ally account, which is only paying 2.10% right now. That 0.42% is a pretty big difference on a larger account balance. Any feedback about this bank would be apprecia...
by teelainen
Wed Jul 10, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208642

Re: S&P 500 hit 3,000 today

BWildt wrote:
Wed Jul 10, 2019 8:51 am
Thoughts? Reactions?
It doesn't change my investment strategy, but it is definitely something to take notice of. It also makes for a nice conversation topic with my investor friends.
by teelainen
Tue Jul 09, 2019 10:56 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11574

Re: Pick one: $135,000 rental property or $110,000 in REITs

In case anyone is wondering, this is how the $6,500 net profit is calculated from this $135,000 rental property. The rent is $1,300 per month, so that is $15,600 in gross revenue per year. Here are the costs: $3,500 - Property Taxes. $1,000 - Insurance. $2,500 - Repairs (some years it is much less, ...
by teelainen
Mon Jul 08, 2019 8:04 am
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 3370

Re: Anyone itching to dabble in crypto?

My boss is heavily vested in crypto and he has shared his views and supporting views of other sources with me. I must say, I am half tempted to dabble in crypto, specifically XRP-Ripple. Anyone else doing it? Have you had the "What ifs" like I am? I probably wouldn't buy any one individual cryptocu...
by teelainen
Mon Jul 08, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question about Medicare Part B Premium Amount of $135.50
Replies: 13
Views: 1387

Tax Question about Medicare Part B Premium Amount of $135.50

Let's say that a person over 65 years old is currently collecting $2,000 per month in social security benefits. When the social security benefit payment is made each month, the government deducts $135.50 for the Medicare Part B Premium. So this person is only getting $1,864.50 per month. Question: W...
by teelainen
Wed Jul 03, 2019 6:08 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11574

Re: Pick one: $135,000 rental property or $110,000 in REITs

Why is everyone fixated on comparing the yields on cost? That’s probably the least relevant metric to look at. What if OP earns $6500 net profit but only has 25% equity? Suddennly that becomes a 19% cash yield not including appreciation or tax benefits. Yeah, people who don’t know how to properly e...
by teelainen
Wed Jul 03, 2019 11:10 am
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11574

Re: Pick one: $135,000 rental property or $110,000 in REITs

I would say a lot of it depends on whether you want a second, part-time job (or maybe less part-time that you might like depending on the house, tenant, etc.). The current yield on VNQ would mean about $4,300 to $4,400 a year (3.98% on $110,000), so roughly $2,000 less than the net you're talking a...
by teelainen
Tue Jul 02, 2019 11:23 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11574

Pick one: $135,000 rental property or $110,000 in REITs

Let's say there is a rental property that is worth about $135,000 in its current as-is condition. Right now, this rental property brings in about $6,500 in net profit per year after all expenses are paid for. Is it better to keep this rental property? Or sell it and buy VNQ (Vanguard Real Estate REI...
by teelainen
Fri Jun 28, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Chase Premier Plus Checking - How to earn maximum interest?
Replies: 17
Views: 1516

Re: Chase Premier Plus Checking - How to earn maximum interest?

I opened a you invest account and put $25k in a Muni bond ETF. unclescrooge, which Muni bond ETF did you buy? At the time MUB, and subsequently SUB as rates have dropped. unclescrooge, The 30-day SEC Yield on MUB is 1.87% and Distribution Yield (TTM) is 2.48% The 30-day SEC Yield on SUB is 1.38% an...
by teelainen
Fri Jun 28, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Chase Premier Plus Checking - How to earn maximum interest?
Replies: 17
Views: 1516

Re: Chase Premier Plus Checking - How to earn maximum interest?

unclescrooge wrote:
Sat May 11, 2019 1:30 am
I opened a you invest account and put $25k in a Muni bond ETF.
unclescrooge, which Muni bond ETF did you buy?
by teelainen
Fri Jun 28, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 24
Views: 3748

Re: Chase "You Invest" account - Biggest complaint

My youinvest brokerage account serves the sole purpose of holding a bunch of cash/EF in VMMXX (Vanguard Prime Money Market). It’s basically my savings account. Besides VMMXX (Vanguard Prime Money Market), is there any other money market fund that pays a higher yield? What about FSMXX ? It is paying...
by teelainen
Thu Jun 27, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 24
Views: 3748

Re: Chase "You Invest" account - Biggest complaint

They say they do. https://www.chase.com/personal/investments/you-invest/faqs/online-investing From the You Invest FAQs, "Do I earn interest on the cash held in my investment account? close We put all the cash in your investment account in a bank deposit sweep account, which earns interest. You can ...
by teelainen
Thu Jun 27, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 24
Views: 3748

Chase "You Invest" account - Biggest complaint

Believe it or not, but Chase pays zero interest if you have cash parked in your "You Invest" brokerage account.

Has anyone else noticed this?

What are you doing with the cash that is parked in your "You Invest" brokerage account?
by teelainen
Wed Jun 26, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC insured up to $1 million? How is that possible?
Replies: 21
Views: 1900

Re: FDIC insured up to $1 million? How is that possible?

strcmp wrote:
Wed Jun 26, 2019 2:41 pm
They are splitting your assets across 4 banks.
4 x $250k each = $1 million FDIC insurance.
Does anyone know if this is safe?
by teelainen
Wed Jun 26, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC insured up to $1 million? How is that possible?
Replies: 21
Views: 1900

Re: FDIC insured up to $1 million? How is that possible?

dm200 wrote:
Wed Jun 26, 2019 2:54 pm
Can you cite the exact wording of this advertisement?
Here is the link:
https://www.wealthfront.com/cash

We are trying to decide if we want to transfer our money from Ally Bank (where we are only getting 2.10% APY)