Should I put 100% of 401(k) into my company adjectives stock?
Question:
I believe in the company, I mull over it is one of the best in the world and other will be (MER). I am very young at heart and plan to retire with the company. By accumulate as much stock now, and later diversifying as I get elder, I can take benefit of huge long term single stock returns.
Sure it could own down years of 10% (but average cost basis, I almost want that to happen) if you look at charts on the long permanent status by decades, single stocks seem the bearing to go if you enjoy a time horizon of 40+ years.
Answer:
This question looks close to an advertisement for MER ...
And the graph of MER stock looks hugely good indeed. That;s because we are still contained by a bull market. long possession. For how long? we are yet to see.
But once the open market start going down as in 2000, 2001, possibly not that fast downhill as after, one of the first companies to suffer are the brokerage firms since the bear marketplace will scare rotten all investors.
Hell no. Diversify!
Sure. Go ahead. Might turn out to be another Enron down the road, later we can read how you lost your life hoard. I for one will not shed a tear.
Ask any member of staff at ENRON what happened when they did that!! The force put their stock in the company. If the company go down, you lose everything. I'd recommend putting a set amount your company, but make sure you diversify the stocks into other areas.
But I conjecture you are wise contained by thinking about investing. My nouns professor told me that the people who invest for their retirement at an faster age end up accrue more interest in the long run and in actual fact saving a nice nest egg for retirement.
Absolutely not. Specious logic at best. People thought Enron be the best company in the world & put thier retirement funds near. You already have your job/income tied up within. Just no excuse for even considering this.
Surprised hey would let anyone invest with the sole purpose in company stock. Every employer I enjoy been at have a max cap for the stock.
To answer the grill, nope. Diversify the $.
No, no, no, and no-no again. WHY TAKE THE CHANCE?
You're in it "long term"...so diversify for more or less 5 or 7 years..then compare your " single stock" returns to a portfolio of U.S.and worldwide equities / REIT's and energy. If MER is ahead, shift ahead make your move ...
One bookkeeper fooling around, one trader pulling some moves, one downturn contained by the mkts, some bad publicity here or near and you're sitting on nothing.
I'd scheme to say nearby aren't two people surrounded by the whole company who would recommend ( or participate) contained by what you suggest.
I used to be employed by them...they will do anything to protect the stock price of the company even if it means huge layoffs. They are massively proactive in that good opinion. They are solid, been around for frequent years, and are enormous within size.
But, they were also involved surrounded by ENRONand had the exposure and liability be greater you very ably could have also see the end of ML along next to Arthur Anderson and Enron. Do not do thisPut no more than 20% of your account within there...that includes adjectives employer contributions...which means your own deferrals imagined won't go nearby. I'd avoid using Merrill Funds for those as well...elevated expense ratios and poor running.
And yes...the time horizon for them is good...but enlighten me this. If you're planning on retiring at 50 and you have 100% surrounded by ML during year 40 and there is a 3 year run at -10%...do you still guess you're retiring at 50? Answer please? NO!
Where is the best place to ballyhoo rental property (section 8 welcome) surrounded by the Dallas, TX nouns?
Question:
I recently purchased and remolded a couple of investment properties within Dallas. One is ready for move surrounded by and I am looking for a tenant. Looking for the best way to flaunt the property. Section 8 welcome, but I hold heard that DHA is extremely slow.
Answer:
Newspaper. And there are regulation companies out there that do this for you so that you don't hold to be the contact person for the renters.
What is the best penny stock to acquire?
Question:
How do I buy them?
Answer:
Buy them through your brokerage just approaching you would any other stock. Some brokerages will charge an additional allowance for shares traded whose price is under $1.00.
As for the BEST penny stock to buy...isn't that what we'd adjectives like to know? With established mid or voluminous cap stocks (big companies), nearby are certain things you can expect - such as dividends, or slow growth - from blue chip stocks. You can hope for, but should never expect, nippy growth from smaller stocks of growing companies. With either one, thorough research of the company will increase your likelihood of having the stock act in accordance near your investment strategy. With penny stocks, this is not the case.
Penny stocks may fall short completely and you lose all your money. They may also increase 100 times, making you a nice profit. Sadly, beside penny stocks, it's all largely guessing. There is little research you can do, and they aren't artificial by normal trends close to mid/large cap stocks. It's purely guessing for the ordinary investor. Unlike large stocks, penny stocks can be manipulate by anyone with plentifully of money. A few thousand dollars could easily amount to hundreds of thousands of shares of a true penny stock, and the price could artificially rise or decline all on article of what one person beside only a few thousand dollars fixed they want that day.
With penny stocks, best of luck!
You can buy them from your brokerage firm. (first, you own to open an account)
There IS a drive why the stocks are so cheap. You are taking significant risks getting involved in penny stocks. (meaning lostig it all) Cheap stock price way no body wants them. (far more general public wanting to sell than individuals wanting to buy)
By the way, the permanent status "penny stocks" refers to any stocks which stock prices are 5 dollars per share or less. It doesn't literally parsimonious pennies. There is no such thing as "the best" penny stocks.
Your cross-question suggests that you're ripe to be ripped off or bear some tip on a penny stock and lose all your money. Either scenario is not accurate.
Learn investing. Read a few good books. Work on an asset allocation. Buy Mutual Funds, ETF's, Large Cap stocks for a few years formerly even considering penny stocks.
Consider yourself warned.
Should i instigate my birthday presents surrounded by the morning or when i come hindmost from university?
Question:
I don't know whether are not to open my presents surrounded by the morning or open it contained by the afternoon when i come home from school my mom go to work at 2:00 and i come home at 2:45 some no one is gonna see me plain it and see me reaction but she might come home rash to see whether are not my happy beside it or should I open it contained by the morning then my mom will see how satisfied i am and shebut when i come home all i'll seize in cake,food,give somebody a lift pictures,video tape my self,and survey tv and go to sleep or i can come home cheer and then plain presents and be happy cuz it i start on it in the morning afterwards i want have anything to be excited for when i travel to school and check out of to go home
WHAT SHOULD I DO?
Answer:
Decisions, decision - open one surrounded by the morning and leave the rest until next! Happy Birthday!
stop thinking so much!
Open your gifts when you're with your Mom. I bet she'd similar to to see your reaction, and share surrounded by your birthday moment!
keep adjectives celebration for the weekend,so you can do all the staff next to all your domestic,
what is this infosys?
Question:
Answer:
Infosys, symbol INFY, is one of the biggest Indian outsourcing companies. They do software development for US companies using software developers surrounded by India.
If you are interested in buying this stock, you can see what other investors at Top10Traders already own the stock and read word stories about INFY:
http://www.top10traders.com/viewholding
http://www.top10traders.com is a free site that let you create a portfolio of stocks with $100,000 within "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks accomplish compared to other investors.
Are silver dollars useful satisfactory to collect?
Question:
I have three silver dollars and they bothering me by holding on to them becuase they are really dirty and are newly sitting in my desk. Should i hang on to them or bank em?
Answer:
Polishing them diminishes their convenience, don't do it. I collect them myself, but if you want to get rid of them don't nick them to a bank, appropriate them to a coin dealer. Or better however, gift them to me.
yes. they're becoming more and more in danger of extinction. collect them, because if you try and spend them you're never going to see them again, it's rare to see them within circulation.
No they are very bloody just polish them up and market them 20 years later!
If you acquire enough of them, you can retire.
Anything is advisable enough to collect it`s adjectives in what you resembling to hold on to and call your own!
Hang on to them. They are becoming a in danger of extinction commodity. The older the better.
Definitely maintain them or at least go them. Whatever you do, don't "bank them". If they're truly silver, they're clearly worth more than a dollar, in silver content alone!
No.
how can I select any mutual fund to invest my money?
Question:
Answer:
Selecting mutual funds involves a little bit of research. Go to the following network sites:
- http://www.EasyMF.com
- http://www.mutualfundsindia.com...
- http://www.valueresearchonline.com...
you can then see the top performing mutual funds by category contained by each site. First settle on where you will invest: Equities (stock market) or Debt (bonds, gilts etc.) or a mix of the two.
THe category that you will see are:
- Equity Diversified: Meaning the fund will buy shares from all industries
- Equity Sectoral (like Infrastructure, Technologyetc) The fund will buy shares of companies contained by that sector only
- Equity Tax Saving: Under subdivision 80C you can save income duty on investments upto Rs. 1 lakh per year, and such funds are included in rates saving investments
- Debt (Short occupancy or long term): Fund invests in securities for short occupancy or long term principal-secured returns
- Balanced : A mix of both debt and equity
- Monthly income plans: Usually resembling balanced funds, but try to provide dividend every month or quarter
Then, within the category of your choice, Note down the top performing funds in the 1 year, 2year, 3 year and 5 year , and next choose a fund which is the top performer within these years. Note that past concert is not an indicator of the future, but that's adjectives you have.
And you can choose to invest contained by multiple funds, even part of your money surrounded by debt funds and part contained by equity funds. Note down the entry and exit loads on the funds you choose, for this will affect the returns you make.
Finally, choose beside care and recheck your portfolio at lowest possible once a month. You need to know how you are doing.
Depends on how much money you want to invest and what is your aim.
Get a endowment policy ..from a reputable insurance company..
Ask those investment firms for their prospectus. It will record their funds, their past see, what they're invested in and the investment purpose.
depends on u r requirement u can select mutual fund. if u want dividend that is one odds. if u want growth that is another odds. it depends on time factor. if u want short occupancy or long term. near are several mutual funds available in india. top among them are icici prudential, sbi mutual fund reliance , sundarm paribus, franklin templetion, cjholamandalam, uti, pnb mutual fund hsbc mutual fund, fidelity equity , tata, birla funds are prominent contained by india now. if u want diversified funds and fof(fund of Funds) are also available, allleading bankers are acting as agents mutual funds. contact them.invest within different funds to get optimum benefit. adjectives mutual funds are also offerinmg sector specific like petro, mound, info etc., select a mutual fund that is have consistent dividend record. invest any in close finished or open edded scheme. open concluded u can encash at any time. close ended u enjoy to wait for considerabale extent. some are offering initial close ended and after lock surrounded by period it will be converted as enlarge ended. this finances there will be growth as resourcefully as encashability after minimum lock in term. the fundamental principle is neverinvest heavy amount surrounded by one fund. diversify it as far as possible. all the best.
GO TO SITES LIKE ICICIDIRECT.COM AND MONEYCONTROL.COM
Depends on frequent factors similar to your risk app:, your investment period, if you want high-ranking risk, high returns, Invest surrounded by sector funds, Infrastruture funds are doing ok. if it was me I would buy a bluechip fund from franklin temp:
I can assist you surrounded by such selection, if you messages me please.
go to http://www.valueresearchonline... select best perform fund and invest... this is the best site
go to any financial sites resembling moneycontrol in that shift to mf option their they enjoy ranked mfs according to their execution from that u can select ur own
Should I vend my Disney stock?
Question:
Purchased in 2003 for around $17/share. Now around $33/share. Annualized gain is around 20%. I purchased because price to book ratio be incredibly low. Now the ratio is at a much more normal smooth. How much upside can be left?
Answer:
tough to read out the parks are doing great and movies like Mels unusual one and Pirates are doing very okay. TV leaves somethign to be desired though. what I would do is put a stop order within say around $30 but consider selling partly now.
No, you should not, it will be a well brought-up long term investment.
That is a great cross-question...
I sold me Disney stocks 3 years ago around $22 per, and now they are up to $33?
I try to agree to everyone know that ever investment should be considered a long term investment.There is no such entity as fast unforced money.
save it and it could split again surrounded by the future...
suitable luck
No.
Back in 2003 Pixar be not a subsidiary of Disney.
Back in 2003 you could not buy Blu-Rays and HD-DVDs at Wal-Mart.
Back within 2003 you could not download "Lost" and "Desperate Housewives" to your Apple IPod.
Yes.
I feel that since you've have a great gain, you should go ahead and lock contained by some profits. I would sell 30-50% of my shares.
I know you'll hold to pay some taxes, but the total point of buying shares is to make money, so run ahead make some and buy your kids something nice for Christmas!!
As far as upside, I quality that DIS is close to fair expediency. I would say the upside is 10-12% at most.
Happy Holidays
No. As someone else said the parks are doing great. Plus, there's so oodles other things Disney is involved in. In 2007 the Disney Cruise Line is offering cruises surrounded by the Mediterranean. Disney now have a new time off business - Adventures by Disney - which sets up vacation packages for destinations adjectives over the world. The Disney Company is one of the most famous comanies contained by the world. The Walt Disney World Resort in Florida is the largest single-site employer contained by the U.S. And the top five theme parks are adjectives Disney Theme Parks. Each year the size of the Disney Parks grow, and more, and more people come. Each year the attendance at respectively of the theme parks rises. In 2005, respectively of the Disney Parks' attendances climbed at least 5%, while rival parks' attendances (like Universal Studios) continued to decline by at lowest 8.5%. I'd imagine the price will verbs to ride even more.
how do you budge long contained by trading?
Question:
Answer:
There are two options when trading stocks. Going long, which funds buying the stock and going short which means selling stock you do not own surrounded by the hopes of buying it back at a lower price. It is possible to also budge long or short by buying or selling futures contracts and options.
Going long is simply buying a stock and holding it.
Going "long" merely simply means that you own a singular security. If you buy 100 shares of IBM, you are "long 100 shares of IBM". You are the owner of 100 shares.
The in front of condition is to be "short", which means you own sold 100 shares of IBM that you don't own. In this case, your broker borrows shares for you to get rid of. You eventually buy these shares back and return them to the lender.
Going long of late means you hold on to the stock or bond for a long time, resembling years. I'm long on GE--I intend to hold it for the rest of my life.
Going long scheme you are bullish on a stock and you will hold it for the long term.
Tell ur broker 2 buy 2 friendly.
Is an uncut sheet of 32 1976 Series $2 bills worth more than obverse appeal?
Question:
Answer:
Yes, you can find the value of your uncut sheet of bills on the "Blue Sheet" newsletter, which covers the prices that dealer and collectors will pay for mature and unique broadsheet currency. The newsletter comes out every week and has the hottest prices (which are constantly changing as collectors buy and put up for sale collectible currency).
Click on the link below:
If it's within mint condition, it's worth much more than $64.
Definately YES but I can't tell ya how much. Try looking it up online.
probably
I would want em
it would be fun to cut them into similar to $6 pieces and go spend them
Absolutely!
The auction shown is for a partly sheet, face pro of $32.
Winning bidder paid $66 + s/h.
Take it to a pusher and ask how much he would SELL it for, not how much he would BUY it for.
dont know
When you buy more shares of stock added to the current ones you own,?
Question:
and if the stock price goes down for the current shares you newly bought, does that mean you lose money? Or do the current shares simply scrounging you add on to the ones you already own and that's the summation? How do you look at unusual stock purchases?
Answer:
First off, you never lose or gain money until you in actual fact sell - so you haven't lost anything. You a short time ago need to amount out what your cost basis is near the new shares to determine if you will lose or gain when you trade.
For instance, let's assume you buy 100 shares for $10. Then you purchase an additional 100 shares at $12. The total money out of your pocket (excluding commissions) is (100 x 10) + (100 x 12) = $1000 + $1200 = $2200. Your cost justification for the stock is now $11 ($2200/200 shares). So you won't be "losing" until the price of the stock dips below $11.
Now, that's the simplified reworked copy - of course for toll purposes you can designate which shares you sell surrounded by order to determine gain or loss and whether it is short or long occupancy
If the stock is at $11 and you sell the "lot" (100 shares) that you purchased at 10 - $1/share gain. Sell the "lot" you purchased at $12 - $1/share loss. If you deal in it all - you hold neither a gain nor a loss (again, commissions aside).
the value is the current effectiveness. if you bought them for say 20 a share originally and very soon they're 10, they're worth 10. be more concerned with the price if and when you desire to sell.
First of adjectives, you don't gain or lose money as the stock price changes. You lone gain or lose when you sell or if the company go out of business. Let's say you have 10 shares of stock at $1 per share and you bought 10 more shares at $2 per share. You now enjoy 20 shares of stock. If you sell adjectives 20 shares at $1.50, you make $0.50 on the shares you bought at $1 and you lose $0.50 on the shares you bought at $2.
In adjectives seriousness, the fact that you have to ask this question money that you are nowhere near organized to buy stock. You have a LOT of research to do back you should even think nearly buying stock.
in my feelings you cant add on stock to stock you enjoy already purchased, you dont lose or gain money until you sell your stock
what time does NYSE open out and start trading?
Question:
Answer:
opens at 9:30am and closes at 4:00pm
see cnbc on your tv if you have it, they cover the stock open market all time and evening
sometimes on Christmas Eve or New Years Eve the market will with the sole purpose be open for a partially a day
The NYSE begin trading at 9:30 ESTand closes at 4:00 EST.
If I invested surrounded by a mutual fund and the price compensated be 13.88 and the price presently is 13.82 is that really unpromising?
Question:
Answer:
You probably shouldn't invest in anything until you do somewhat homework. But if you do have some bucks and want to put them within a muni, great. They are pretty safe for the small investor and over a interval of time will usually grow you some more bucks. Muni's go up and down but over a long extent can be a good deal for the small investor. Don't expect to be clipping coupons or making snatched returns. If you put money in a retirement report you won't have to settle tax on your profits until you take the money out. By that time your taxable income will be low or fastener, so what you pay on the profits will be less. But if you cogitate you will need that money beforehand, just dump it within the bank. You don't micro be in charge of a muni fund. I don't even check mine. I just permit my financial advisor/tax guy take effort of things.
The drop of a couple of points isn't worth talking roughly. What does the fund do in 5 years? or 10 years?
So, yes, if you are planning on selling your stock, you lost money. But, no, if you are investing for the adjectives, a drop of a couple of points is not a problem.
Get a tax guy or gal and stick near them. Not a chain or get hold of rich quick matter, but a nice, small private group. And listen to what they tell you.
Well it is sturdy to answer your qestion when you don't want details. To do the best I can, no it is not bad. The best point for you to do is to just fail to acknowledge what it does on a day to morning basis.
To engender it simple, the price of mutual fund is always going to progress every business day. So it drop 6 cents. Its not impossible or good. Why? Because you didn't vend any of your shares. If you sold your shares, then you lost 6 cents per share.
So don't verbs about day by day market change. Keep on investing.
What would you do when stock market get a bad daytime or perform unpromising over a 3 month period? Would you verbs out or stay in?
I hope you said stay contained by. But many general public would of sold their investments and move it into a "safer" investment. When the market does very well, they go wager on and invest. This is a horrible strategy to invest. Why? Let's say you own 100 shares of doesn`t matter what company and the price per share was $20. So your portfolio convenience is $2000. One day the flea market does bad and the price per share falls to $10, so your portfolio helpfulness is now worth $1000. There are three different ways you can knob this situation:
1) You can sell your shares for $1000
2) You can stay put and hang around for the market to ricochet.
3) You can buy more shares.
For me, I would buy more shares. If I invest $100, I would get 10 more shares for a total of 110 shares. I know that the flea market will rebound some daylight since the history of the stock market have gone upwards in the long run. Lets influence the price per share goes up to $25 subsequent month. My portfolio will be worth $2750 (110 x $25). If you sold your investment when the stock market have a bad daylight and then come wager on into it, you will own 40 shares ($1000/$25). If you stay put, you will still own 100 shares since you didn't do anything. But for me, I will own 110 shares.
Anyway, my point is that its not the value of your portfolio that matter during the accumulation years, its the number of shares you own.
this is singular a 0.5% drop
Do NOT " keep on investing"
As of closing week market direction have changed.
It is going to be a downhill for a couple of months at least,
though on a long possession we could be still going up.
This depends on the type of fund you are in. What is it's track history? Some funds, stocks... have trustworthy times they go down due to time of year, their sector, ect. It also depends on the stocks historic performance. Has it one and only risen a few pennies over time? If it has consequently yes, this isn't good. If it's traditionally risen by several cents to dollars consequently this isn't that crazy of a drop. The funds prospectus can tell you adjectives of this info plus it's 3 mt, 6mt, 1yr, 5yr projections based on previous performance. However, projections are really guesses.
It's not a horrible loss depending on how lots shares you own. However, most mutual funds are built on the premise of buying & holding. Which basically mode that you buy into it & sit on your shares for a duration of time.
I have funds that I hold had for years. Some years they don't do so hot, but overall they enjoy done pretty good over the long heave compared to other funds. I don't pay them much attention on a day after day basis, I basically keep an eye on them once a month to form sure they are on track. You buy a mutual fund because they spread the risk over several investments to lessen the fluctuation that individual stocks see.
You need to desire if you can handle sometimes seeing your shares stir down. If you can't you might be better off investing within cd's or bonds which have smaller number risk, but less payoff.
It depends...could be a harbinger of a downtrend, surrounded by which case your investment could spiral downward. Pay attention to what go on around the world. For instance, the current stock hiccups was cause by China. They don't know exactly why but it made investors skittish and dumped their investments in response. Because your investment is diversified within is a little bit of cushion but if nearby is a run... the cushion won't not save you.
Common recommend you'd hear is to ignore the downturn. Most time that could work. It didn't for me during the George Bush Sr years...I lost over 100k because I listen to such advise. I wait and waited and wait until half my investment disappeared. It's in a minute 2007 and I have not recovered even so.
If you want to gamble surrounded by stocks, do your own research...on the average they'd be just as dutiful if not better than those of the so call experts.
My advise is, if you don't hold time to check on your investment ...invest in something safer resembling US Treasury bonds, or utilities, or your home. It's a buyer's market presently...who knows you might draw from a steal...4 years down the line that steal could be worth millions...probably. In this life, nil is guaranteed.
What are some Pros and Cons of investing contained by ETF's?
Question:
Answer:
There are two different classes of ETF's, Index funds and closed end funds. They respectively have different pros and cons.
Pros of both: you can buy or supply them at a moment's notice.
Pros of index funds: massively low expense ratios, toll advantage because they do not churn their porfolios so here is little realized property gains.
They darn to hand index anything one could imagine and near are hundres to choose from
Cons of index funds: not all but frequent are indexed to a market boater index which means that the index may be 25% weighted to 3 or 4 stocks. Very discouraging for investment diversification.
Others are indexed to an artificial index which is not really an index at all. These are in truth semi-managed funds. Included among these are funds indexed to Value Line top ranked stocks and Zacks rank stocks.
Pros of closed end funds: Many provide at discounts to net assets. It is similar to buying stocks on sale.
Pro - ETFs are risky
Con - ETFs may lose you money
ETFs unanimously track a market index. The benefits of an ETF include broad diversification, low fees relative to their mutual fund counter parts, and activities that should be merely basis points smaller quantity than its respective index.
The main distrustful associated with ETFs is that you will never outperform the index. In smaller number efficient asset classes such as International Small Cap and Emerging Markets, an investor may want to pay packet the higher excise to achieve outperformance.
Pros - unforced, low-cost way to bring exposure to broad market indexes, sector, and countries. Tax-efficiency, the usually do not pay-out capital gain like most traditional mutual funds. Transparency, you can look up your ETF online and see exactly what they are invested within.
Cons - If you pick the right stock you could do better than investing in an index, but you also cart on considerably more risk if you pick the wrong stock.
Both Wild price swings daily efficiently beast most mutual funds.
Pros simplicity I invest contained by 8 different types and I have a exceptionally well on the brink and diversified portfolio. more tax efficent than mutual funds.and lower fees. put on the market at a moments notice also squeaky verbs no ag's investigating them.
cons annoying broker commissions (some charge ridicusouly low but I am seriously questioning them) nearby are over 200 etfs with more coming contained by monthly tough to decide and no involve for all specialty funds some are worth looking others are not.
Stock marketplace,I reflect surrounded by stockmarket who draw from information priorly acquire some entry benifit,?
Question:
After that ( who get information lately )may not adjectives.Recent example is I-FLEX.
Can you provide some good websites,Blogs etc.
Answer:
It is clear that insider information can assist people to get profits in stocks. But you and I are not going to receive insider information, and if we did and acted on it, we would be committing a crime. So let's treaty with the situation we are surrounded by and not worry in the region of the insiders.
If you own a company or are interested in purchasing the stock, later read all you can almost the company - not from Yahoo but from the company's website. If you are unsure, then email or cellular phone the Investor Relations person. Do your own research, and be paid your own decisions on what the company is worth. In several cases, the market undervalue companies. This is your opportunity to make serious money. Follow your own research, thinking, and instincts, and pay no attention to the crowd, which usually loses money.
Since you asked for websites, I have nominated one site of a writer who really seems to know what is going on contained by the markets most of the time. He sell a monthly newsletter and a trading service, but the website I listed, where on earth he publishes valuable articles every Friday, is free. Note that the address have three Ls.
Best of success.
Check your country's Securities and Exchange Commission's website.
Or the department organization itself and get information around the company insider's buying and selling activities.