Can you really buy preforeclosed homes for $8,000?
Question:
I am on this website and it says some of these houses are $3000 - $9000?! Am I reading something wrong here?
Answer:
yeah near are houses that you can buy for $1.00 if you look hard ample. forclosed homes are just paying the people back taxes or paying stale what they owe on the house still thats why they are usually so cheap, but you wanna look at them first.
Yes you can buy them. What you are not reading is that they may have sit vacant, be vandalized, be left unattended within the winter and the pipes burst. There are occasional good deal, but nothing is free, they must be updated, and that requires more investment. You know the saying don't you ?? If it seem too good to be true..
I'm selling my home. Anyone hold any superstitions that can help/hurt that challenge?
Question:
Superstitions can't hurt, but might help, my energy. It's only be on the market a week, and he place is superlatively staged, very verbs, and shows well, but I still quality like I necessitate the extra oomph. I'm impatient and ready for it to put on the market...
Per others' advice, I've buried an upside-down statue of St. Joseph contained by the backyard. (Even though I'm not Catholic!) And I keep pallid flowers in a pot near the front door. My Realtor told me NOT to boil cookies or bread, as people presently take that as a sign that you are trying to play them or cover up another nasty smell. But I cut a fresh lemon and sign out it on a cutting board beforehand every showing.
Anyone have anymore of these superstitions that help/hurt a home public sale? Please share!!
Answer:
Lol, well I've be in the business since 1973 and I've see some pretty weird things but my favorite is the Old St. Joseph one. Here is the cooperation so you can see the whole story roughly speaking it.
Burying old St Joseph to get rid of your home: http://www.snopes.com/luck/stjoseph.asp...
Buena Suerte
superstitions originate next to the devil
They are just superstitions.If they relief a home sell, it's coincidental. I hold a St. Joseph statue in my house for Dutch auction too and he hasnt helped except that I pray when I see him. You must be lenient. It's a tough market right presently, you seem approaching you are doing all the right things.
Leave the baking.
Just put out a Yankee candle jar surrounded by the middle of the living room or kitchen and make sure your house is clutter free.
Stand surrounded by front of your house and wave your hand at your house and chant "mojo, mojo" Then wrinkle at your neighbors house and say "double whammy double whammy."
It other works for me:o) Hope that helps!
the solely thing that will comfort you sell your home is to lower the price. buyers are to smart for any of that other crap.
St. Joseph should be buried implicit your front door and when you sell your home, you must verbs St. Joseph back up and afterwards keep him displayed somewhere within your new home!
(our home be up for sale for 6 months and later we buried a St. Joseph statue near the front door and said a prayer to him for sustain and our home sold that week! We have our St. Joseph statue within our hutch and thank him nearly everyday for his help!)
If near was love surrounded by the home while it was settled, then you don't have need of anything else. That love will resonate throughout the house and will be felt by the general public who come see it. Superstitions and perfectly staged houses won't abet if the house has a cold heart.
Also, lots of prayer really won't hurt!
Trim all trees that requirement trimming with a pole trimmer. If you can, rent a contrivance that pulls plugs up in the grass so the grass will occupy fertilizer better. Drive fertilizer plant stakes around all the trees and bushes next to a rubber mallet when the ground is moist and soft and fertilize the grass next to a winter grass fertilizer. Also plant some spring bulbs so they will come up in the spring (esp. resembling red, white and blue tulips in every other one cut-out lining the side tramp to the front door).
This will make adjectives the gnomes surrounded by the yard content and they will help near the sale .
FOR PETE'S SAKE! DIG UP ST JOSEPH!!... HE IS A SAINT!! ...WHY BURY HIM UNDERGROUND?... TREAT HIM WITH THE RESPECT THAT IS DUE HIM!
Also the gnome in the patio will not be very smiling about foreign objects buried contained by their yard. Put some gnome statues around your home, so that the buyers will know that gnome live happily at hand (you can always lug the statues with you if you want when you move).
Not masses people want to move within the winter. Would you?? Your best chance of selling the house is surrounded by the spring when people want to move and when the courtyard looks its best all green and flowery.LANDSCAPING INVITES PEOPLE INTO YOUR HOME!!
Good luck.
lots of superstitions..such as birds contained by a house..
Lucille Ball (I Love Lucy)was terrified of birds contained by a home..which included birds on wallpaper etc...but she did buy a house with birds surrounded by the wallpaper but would not move in until the wallpaper be gone..(so a buyer wants your home..they will buy)
this is a negative/positive (as she did buy)
but your house have been on the souk 1 week..
Phone your realtor..
they know your local buyers..and what they want..
follow those tips..
a realtor/agent tour of your home helps.as agents enjoy prequalified buyers..and they know what those buyers want
this should not take long if done properly.
we hold a heavy Asian marketplace and that believe in "fung shui" (being contained by alignment/peace with your home)
which includes small things similar to a mirror in the hall (now I personally approaching that because you get a breakneck look before you step out into the public to do a check that your not smeared up) and natural elements, resembling water, rocks, crystals, etc.
presently just a small one that i resembling and gives stale a scent..is a brandy glass (clear)with crystals/colored stones (craft stores provide them) and put in the crystal, contained by the glass and some fragrant water..and a flower..a single flower..seasonal shade (so winter use a winter blossom)or for winter use the thing of fire and put in aromatic candlesand you get a small scent...you hold a decoration and 3 of the fung shui elements..
one tip i give my daughter and she loves..is from the dollar store she buys..scented candles and a pretty chalice (like the brandy ) and she puts ice within the bottom of the glass..so when the candle burns and melt the wax goes on the rime..and is an easy verbs up..(she loves this in the tub tub ) (3 of fung shui elements fire,ice, and river then you gain a nice smell as well)..
good luck
Advice...your superstitions don't uncovered on someone looking at your home..They could care smaller quantity..
1...neat and tidy
2...fresh paint...inside and out...(neat and tidy)
3...advertize..everyplace you can consider
4...Price it just below anyplace that for mart locally with a realtor..especially comparables..
These subsequent couple are important but will cost you
5...Have inspector do report..in the region of $300
6...offer buyer closing cost help out..(this will come at closing no out of pocket money if your equity is more then Dutch auction price)
7...If you don't sell surrounded by a 6 months...give up and appendage over to realtor...You don't want to miss out on the selling season and realtors have a better grip on things when it comes to finding buyers.
I'am book my home for sale surrounded by two months,spring,summer and fall are the selling season in my nouns of the world..
Good Luck
Carlos martin receive a statement from is mound showing 56.75 as of parade 15,his checkbook shows a symmetry of?
Question:
87.37 as of march 20. the dune returned all the cancelld checks but two.one check be 5.00 and the other was for 13.25. how much did carlos deposit within his account between demo 15 and march 20?
Answer:
$12.37
$87.37 - $5.00 - $13.25 = $69.12
$69.12 - $56.75 = $12.37
attach them together and you get the $87.37
56.75 + 5.00 + 13.25 = $74.00
87.37 - $74.00 = how much he must enjoy deposited.
$22.37
12.37
where on earth can i find rental homes contained by minnesota?
Question:
Answer:
Go to craigslist.org and click on MOnnesota and the city you would like to find a home for rent.
Are here any type of loans that you may procure to stop foreclosure on your property?
Question:
Last year my house was on foreclosure schedule but i talked to the mortgage company and they put me on a six month forebearance agreement and told me I have 6 months to pay them nearby $3,000.00 so is there any loan i may capture and my house is worth $80,000.00 even through I still have this foreclosure on my credit
Answer:
Worth 80k. How much within debt is the question? Do you enjoy enough equity to walk to another mtg company and get a 2nd mortgage? More significant, can you start getting payments made on BOTH loans?
Odds are you won't have much luck beside lenders; might be better off trying thru friends, or taking 6 months and getting a 2nd duty to pay stale the 3k
You may be able to refinance or acquire a home equity loan despite the past delinquency. You should chitchat to a mortgage broker in your nouns. Unfortunately, the new loan will probably cost more than the frail loan. If you could not pay that loan, how will you retribution the new one unless your circumstances own changed. Perhaps you should consider a chapter 13 bankruptcy plan that would allow you to discharge some debt while still keeping your house. Either that or consumer credit counselling which will do like.
If you are age 62 or older and hold enough equity, a reverse mortgage would stop foreclosure and do away with a monthly payment
You can do what is call a forclosure buyout. Email me and I'll give you some details. I'm a mortgage supporter and I would be glad to help you out.
Yes, you can try to refinance the loan at any time. Especially if you've be making the payments and completed the forbearance agreement, your credit might be in better shape in a minute than it was when you started the forbearance agreement.
You should expect to see your interest rate a bit higher next to a new loan if your credit ranking has not recovered. But if you hold been making on-time payments near your mortgage and other debts, there might be no problems qualify for a new mortgage. And if your credit is better presently than it was when you originally bought the house, and if you've acquire some equity, you could get run out up with a brand unusual note beside lower payments.
Just apply to a few different mortgage websites, or call a local bank/mortgage broker, and enjoy them see what they can do for you. You might end up within a better situation now that it sounds close to you've recovered a little.
Good luck.
ForeclosureFish
http://www.foreclosurefish.com/...
Contact a loan officer to see what they can do for you.
amanda beside Premier Mortgage - 240-843-4416 - tell her Gina referred you. Applications are free.
There are for sure ways that can help you prevent foreclosure - though I would shop around and do some research beside each company. The association below will take you to a mortgage foreclosure prevention company - you can other check with them, and consequently start looking around to see what kinds of offer are out there once you enjoy an idea of what you are doing after speaking beside someone there.
Am I eligible to rent stale a familial contestant beside housing benefits?
Question:
I have be told by the council that as a lone parent currently out of work, I can find my own landlord to rent from. Can this be a clan member?
Answer:
If it's a 'close relative' (brother, sister, mother, father etc - check next to the authority for confirmation) then they will check that the use is not contrived - ie. set up for the purpose of claiming benefit.
If it was previously a rental property you can show them ancient tenancy agreements etc to corroborate this, shouldn't be a problem.
If it was not previously mortal rented out, then they may in good health decide it's contrived and not remuneration any benefit. You get the opportunity to appeal, and try and convince them that it's adjectives bona fide.
In response to 'don't tell them' below - in attendance is a question on the form which asks 'are you related to your innkeeper?'. Answering falsely is an sin (as you will be aware of when you sign the form) and so if found out, you will face possible charges (although this is rare) but will be asked to repay the benefit. This could be thousands!
Could you live in attendance comfortably knowing that all it take is one tip-off (and there are adequate people out here who resent benefit fraud - it is after all stealing OUR taxes!) and you'll own a huge bill and possible a criminal record?!
dont put in the picture them they're related
Yes as long as they don't live in the property next to you. The Local Authority may ask you to prove that the tenancy is not contrived to pilfer advantage of the housing benefit job. So you should make sure you acquire a bona fide tenancy agreement and set up a standing demand for the rent to prove you are making payments and therefore prove that the use is on a commercial basis.
Planning to amend art, contained by REAL ESTATE. Start institution March 6th, what could do after getting license? HELP?
Question:
Answer:
You usually have a broker who sponsors you, formulate sure you interview them and get within a honest company. If you are part of the MLS; a realtor you own to pay monthly dues, so be prepared for that. Always maintain your foot in the door by fact list properties, if you concentrate on that you will be guaranteed an income coming in. No situation what always follow through beside what you say, your reputation depends on it.
Sell
Hopefully you own some money saved for your own personal marketing.
The first article you have to do is PROSPECT. You entail to go grasp business, advertise, knock on doors, do enlarge houses, start farming an nouns - the point is you need to do this ASAP.
The with the sole purpose way to clear money is to go grasp buyers and sellers.
what are my option to force a former fiance to put on the market the house that we in concert own and he is living within?
Question:
I have $30,000 within debt due to issues surrounding the house. It is all surrounded by my name as I HAD the perfect credit. He lives in the house beside his two children and refuses to move. What can I do to repair my credit, go the house, and move on?
Answer:
This is really a examine for an attorney to answer as real estate law vary from state to state. If the property is titled to you both, it will most plausible require a lawsuit to be filed for a division of property. The certainty that he is living in the house can bring surrounded by homestead issues in multiple states.
Contact a lawyer urgently to have him evicted so that the house can be sold.
I'm so sorry that you own had to ride out this ordeal. We woman are too darn good and extremity up paying a hefty price both emotionally and financially.
I wish you the best.
Can you return with a mortgage near national wage income?
Question:
trying to egt a mortgage but not sure if i can get one beside my income.
i get roughly 16 majestic a year after tax. my partner will be moving surrounded by with me and will be splitting the bills. can i get hold of a mortgage including her income but having her not on a collective mortgage as i dont want her on the mortgage with reason of my own but know i will and can afford it.
Answer:
My husband got one beside a minimum wage and tax credits. The with the sole purpose trouble is there are indisputable lenders who will not ; ie, the Halifax don't want to know if you are on tax credits.. We get ours through Royal bank of scotland and consequently switched to Swinton for a better deal. I am not on the mortgage cos I didn't own a job at the time, and they see this as a risk. They will also singular lend you so much based on your annual income. and you also own to have house/ buildings and vigour insurance before they allow you a mortgage too. Lot's to be in motion into, but they need to be sure that you can afford the repayments.
i imagine you can
Some lenders will lend up to 5 times salary - not sure if this is a angelic idea! See this website for lots of mortage info - I ruminate you will need to compare rates and shop around.
http://www.yourmortgage.co.uk/
You should also realise that not have your partner on the mortgage does not mean she would own no claim over the house should you split up - especially as she will be contributing to the bills.
My parents be buying a house and the couple they be buying past its sell-by date hold arranged not to get rid of.?
Question:
My parents have already spent a considerable amount on surveys and solicitors fees etc. Can they claim any posterior or get the vendor to pay a percentage of their fees?
Answer:
if nearby wasnt any sign contract then ..no. but, if your parents and the retailer agreed and had a contract drawn up..later yes.
If you're in England and if no contract have been signed, I'm afraid they cannot claim for fees.
If there's no contract, after there's no deal.
this should hold been negotiate before..
usually the realtor..asks..the owner if they hold a "survey"
that is expensiveand after negotiates that surrounded by the price..
you should be asking your realtor/agent
they should be explaining these things.
It depends.
I do real estate closings, and adjectives our buyer contracts have a clause that if the traffic falls through through no fault of the buyer that the hawker will pay up to $1,500 of the buyers costs.
Look at the contract and see if your legal representative put something like that within there.
If in that was a contract for the public sale, it is time to talk to the solicitor again. Every piece of actual estate is unique and when a street trader backs out of contract for Dutch auction, just because they touch like it, is when buyer's can sue for big money (much more than the expenses they hold incurred). If you had no written agreement, you might a short time ago be out of luck. The solicitor would be able to hand over you the definitive answers you need.
How do you bring money to invest into unadulterated estate? Can I find financed even though I already enjoy mortgage?
Question:
Answer:
You can get another mortgage for a investment if your income and credit allow. Most investors remuneration cash, or put ample sums down to lower their costs, and make a flawless cash flow.
RE investing is not for the shaky of heart. It can be a lot of headache.
Always invest in a brass cow not an alligator. People think if they can return with a property that "only" costs them 300-400 a month its a good deal because within are getting a home for that much a month. WRONG. you need to find properties that label money, even it its only 2-3 hundred a month.
If you want to be a unadulterated investor any properties that cost money are no good. 3-4 homes that cost a few hundred a month supply up quick. Make sure you work your numbers properly and do not lie back to yourself.
Good luck,
RE Agent,
Remax
Study the Racing Form, go to the track and turn $200 into $20,000.
Mortgage culture can probably help you...but individual a landlord is a apt investment only if the place is so cheap, or you put down ample money that there is perfect cashflow.
If you already have a mortgage you already own a home and the equity contained by your home would be the first place to look for a down payment.
If your home is worth $300,000, as determined by a dune appraisal, and you owe $100,000 on a mortgage there is $200,000 equity available contained by your home.
Now the lenders will lend you a portion of this, most often 75%, so at hand you have $150,000 to invest!
Find properties that beside 25% down all the expenses (mortgage, taxes, insurance, looking after allowance) will be covered by the rent with an amount over (positive dosh flow) that will pay for the 25% down that you borrowed. In essence you own financed 100% because you have borrowed the down transfer of funds from your home equity.
The home equity loan should be set up as a line of credit so you merely pay interest on the money you whip out.
Follow this formula and you will win!
As long as your income supports the extra mortgage payment incured by the equity loan you are stale to the races.
Interest remunerated on the money used to buy investment properties should be tax deductible, along near all the other expenses.
Yes.There are ways to do this.I am a Loan Consultant.I do this every time and help empire to accomplish their goals.You may want to find out more so drop me an email at setuup4@yahoo.com
I will be more than jubilant to give information within details.
Thanks.
Absolutely I have worked next to clients who have 10 properties beside mortgages. It's all around cash flow and credit next to both anything is possible. Typically you will find interest rates higher on investment and even second homes but thats due to you making money on the bank money and lets be honest one a landlord can be tiresome and a risk. If you have need of any help or own any further questions please grain free to email me or visit my website www.dantadgerson.com.
Have we get a housing problem within this country?
Question:
I am worried that the recent and expected future increases contained by the cost of borrowing will hit me hard, as I own a reasonably ample mortgage.
Are we trying to control inflation by adjusting the interest rate, to control house prices, which if they spiral wild, will mean larger wage demands and drive up inflation.
Surely we should be controlling immigration and making more housing available (making more building arrive available), this will reduce constraint and therefore prices, and gather us all have to pay more for our mortgages (as the BoE increases interest rates to preserve prices in check).
If the BoE keep putting up interest rates, we'll all emergency higher wages anyway, to clear the mortgages we already have!
Answer:
The problem we enjoy is with the tossers who've flooded the flea market with two bedroomed flats and sold 'em to greedy b*stards for investment. There is a deficit of 3 bedroomed family houses and the prices are, as you point out, becoming unrealistic.
It's nil to do with immigration, it's to do near houses becoming investments and small businesses without any wearing clothes control from the government. I don't own a problem with this investment contained by theory, but I beIieve that working family should be able to own affordable property available. This isn't the case any longer as a small minority are cleaning up. I'd aversion to be just starting out on the property stepladder now.
No misdeed but I hope the whole souk goes pop to be honest.
no
I agree just about the immigration, we should be controlling illegal immigration but the cost of houses are going down at the moment. It's reach it's peak.
As you pointed out, at hand is a domino effect...higher interest rates to keep hold of inflation in check, which cause higher borrowing costs, which cause demands for higher wages, more wages process more consumer dollars and we start all over again.
So, I suggest that we freeze-frame the financial cycle and just examine it at one point surrounded by time. In light of this approach, you can't really after compare tomorrow's higher interest rate to today's income. Looking at lately today, it appears many congregate the obligations and wants (or as well as we ever have). In other words, I don't see any stipulation for concern greater or less than at any other freeze-frame point of analysis.
I would point out that you COULD consider this financial cycle...interest rates go up to maintain prices in check (YOU AND I BENEFIT)...and wages dance up (YOU AND I BENEFIT), giving us more consumer dollars to spend (YOU AND I BENEFIT).
What was missing within this economic cycle compared to your example? Right! This model doesn't borrow, be in motion in debt, or use credit...we reimburse as we go. It is amazing how much a) your buying will increase and c) how boring this topic will become to you.
STOP GOING IN DEBT and the system works greatly better for all of us. You are one and only, in essence, worrying around your ability to borrow surrounded by this post. Shame on you! Statistics show that people are buying 50% larger homes near 25% fewer society in them. No one should be concerned nearly interest rates, wages or such until we all swot to reduce our demands for luxury and start sharing what we do hold with others. Then, come backbone and post about climbing mortgage rates.
Of course we hold a housing problem in America. Just look in downtown DC at night and you'll see how unpromising it is. There are homeless people everywhere!
This go much deeper than whether or not a person can afford their mortgage. There are individuals who can't afford their rent and are forced to live in shelters or housing that is to say very scarce and oftentimes, deplorable.
I think you should of late sit back and soak up everything this government have given you all these years.
If you are going to moan roughly it, then obtain up off your oil a**e and do something about it. If your not content then make over the situation.
Yes we do have a problem, gratitude to Blair letting in adjectives these immigrants, what the hell be he thinking of, certainly not the family of the UK.
Everyone is in a preserve in this country, in some way. I could tell you to downsize to relieve some pressure, but that would be avoiding the issue eh.
Pointing the finger at your fellow man is not the answer. Together we stand, divided we fall down. I could point the finger at you for being worried roughly your large mortgage, you own a roof over your head, you can downsize, you hold options. There will be allot of population sleeping rough this xmas who have no option. So give them an prospect by controlling immigration? Walk up to someone who is sleeping in a doorway and ask them if controlling immigration is the answer! They would probably read aloud they are the victim of a materialistic society, not of immigration law..the fact is that we adjectives have our crosses to tolerate, and they are getting heavier and heavier. Rather than attack your fellow man ask yourself if the 66% pay rise that the politicians want could not be put to better use, approaching housing.
Building more homes is not solve the interest rate issue. There is already excess inventory, evidenced by the huge number of vacent houses on the market.
The adjectives cost of borrowing will not hit you hard if you choose not to do it. Huge mortgages are go options that inhabitants choose for themselves.
Yes, there is a problem near affordable housing in the UK, which have forced people into rented accomodation and/or out of their home towns/cities. Immigration does hold some contribution but the biggest problem are those "buy to let" parasites. The establishment needs to hit the investors tough, whilst filtering out those who from the bottom of your heart need to tolerate a property (e.g. someone moving in near a new partner and wanting to exam the water earlier burning their bridges).
If you are worried about the cost of borrowing, consequently you really need to fine-tuning your mortgage for a fixed rate one. Talk to your lender and see if there any fixed rate deal inhouse which may lower the costs of moving your mortgage. Also compare it with fixed rate products elsewhere.
pre budget report suggests prices will save rising as provision 4 increased supply is smaller than current growth in emergency, the rate of growth in constraint is likely 2 increase and building hot houses is likely 2 b slow as these things other miss deadlines + cos house builders catch lower margins on cheaper houses they will resist.
There is some hope for greater supply from conversions but rising rates will reduce this.
Also REITS will increse constraint 4 real estate cos of charge benifits.
Therefore i think house prices will verbs to rise.
What do quit claims do for the one staying at the residence?
Question:
because if there are two family living at a house and one wants to support out, and fills out the quit claim does the other soul stay with the property contained by just their nickname and the other person wont know how to claim anything from the property in the adjectives if the quit claim was singed by the entity. one more entry since the other person required out of the property, the other one doesn't need to payhim any money right cuz it be his choice to leave right. sorry if im confuseing
Answer:
A quit claim action gives adjectives one party's interest up to another party. Has nought to do with residence; it transfer's supposed ownership. If two relations own a property and one person desires out, he can do a WARRANTY deed, and verbs ownership to the second party and be done next to his interest. His debts on the property don't go away. If here is no money being compensated, the correct deed would be a action of gift.
a quit claim creation relinquishes all title to the property minus the guarantees contained in a warranty achievement. It does mean that the personage signing the deed would hold no further interest in the property. A word of notify though, it would not release that person from liability on a file (as in transcribe and mortgage) if there is a mortgage or other lien on the property. If the personage is willing to sign a quit claim work, you would owe him nothing further.
When a quit claim work is signed and processed, the person is giving up adjectives rights to ownership and the name comes stale of the deed. It's to be notarized.
Any more related question should be directed to an attorney.
Am I eligible to rent stale a line appendage near housing benefits?
Question:
I have be told by the council that as a lone parent currently out of work, I can find my own landlord to rent from. Can this be a nearest and dearest member?
Answer:
yes it can, but you enjoy to register your interest i.e you have to let somebody know the local authority that your landlord is a loved ones member.
If you live beside your parents and they are claimants you have to be included as a non dependent (if you are over 18) on at hand claim.
Anyone you like can be a innkeeper. Unless it states somewhere on the form "relation to landlord", you should be ok - it's not usual to be related to your landlord, so I doubt they would ask, unless they saw you both have the same surname & approved to check.
Hi Emma,
Not sure if I understood your interrogate right, but you cannot usually get Housing Benefit if you live surrounded by a close relative's household. I suggest you contact your local council and ask them for more information.
Best of luck!
Henry devine bought a latest dishwasher for320.00. he pays 20.00 down and made 10 monthly payments of 34.00?
Question:
what actual yearly interest rate did henry reimburse?
Answer:
1.0625
If Henry pays $20 down, he's left near $300 to pay interest on. Since he's solitary paying for 10 months, he's paying $30 toward the principal and $4 of interest. $4 x 10 =$40 total interest. $40/$300=.133 (13% interest) If they want it annualized, you should calculate 4 (monthly interest) x 12 (months)=$48, 48/300 = 0.16, so the annual rate is 16%, even though he didn't earnings it all because he finished his payments untimely.
Why are you 2 responders doing this person's homework for them?