Most ideal approaches to investing cash for seniors

Most ideal approaches to investing cash for seniors

There are a few financial advantages offered to people after intersection the age of 60 years or 80 years. They are offered higher guaranteed returns on investments and more noteworthy tax exceptions.

Fixed deposit scheme for senior citizens

The investment residency related to settled store plans ranges from seven days to 10 years. The rate of interest differs according to the residency. Senior citizens appreciate a financing cost of around 0.25 per cent to 0.5 per cent higher than the normal rates.

High-interest savings account

High-interest savings account are a low-risk investment that guarantees high liquidity. The overarching loan cost on such bank account goes from 5 per cent to 7 per cent for every annum. The most alluring component of a high-premium bank account is that the premium is determined on the day by day balance. So, the financial specialist gains premium regardless of whether a corpus is kept on Saturday and pulled back following two days on Monday.

Senior Citizen Savings Scheme (SCSS)

Among little investment funds plans, Senior Citizens Savings Scheme is the one implied just for senior residents. It offers a noteworthy, guaranteed rate of loan cost of 8.3 per cent. It is likewise exceptionally safe due to being supported by the Government.

The individual has to be aware that this is a five-year fund plan with nationalized banks/post workplaces. However, it can be stretched out for an additional three years. The interest payable is paid out in a quarterly premise under this plan which satisfies the annuity necessity of senior citizens.

Medical coverage

This is an absolute necessity have for everybody, regardless of their age. The sole motivation behind a medical coverage is to give you budgetary help amid a wellbeing crisis or handicap. Given the expanding cost of human services as a primary concern, the government has offered more noteworthy duty alleviation on the premiums paid towards protection for senior residents.

Short-term obligation and balanced mutual funds

Value shared assets are frequently seen to be respectably unsafe investments. In any case, there is an entire scope of generally safe shared assets too. These are appropriate for the necessities of senior nationals. While the decision of fund would to a great extent rely upon the stream of salary and hazard craving, a sweeping proposal for senior natives is decided on liquid/short-term debt common assets or debt-oriented balanced shared assets.

3 Common Cash Mistakes That Senior Citizens Should Evade

3 Common Cash Mistakes That Senior Citizens Should Evade


Your golden years ought to be loaded up with get-away, sufficient time with family and companions. In any case, for far too numerous senior residents risk losing this dream. The reason is that they’re committing indistinguishable financial errors from their ancestors. Albeit nobody is ensured to have enough cash to last them for the rest of their life especially after getting retired. But, no worries! There are steps in which senior citizens can take currently to guarantee that they don’t surrender to three of the most widely recognized cash mistakes. These mistakes can literally wreck their retirement especially those who retired at the age of 65 and older.

  1. Investing too conventionally

Following the most exceedingly terrible recession in seven decades, numerous senior citizens to have a characteristic antipathy for putting resources into the share trading system. For quite a long time, most financial advisors have cautioned seniors against putting resources into less secure resources. This is like individual stocks and has rather guided seniors toward money safeguarding investments such as CDs and bonds.

  1. Not getting ready for the “long term”

The second slip-up that various seniors make is in expecting that they have enough cash to last the rest of their life. There are a few solutions here. Initially, like the main common money mistake, invest constantly for your future. Sitting on your retirement fund won’t help in the event that you live into your 80’s, 90’s or considerably more. Therefore, you have to proactively expect that you will carry on with a long and productive life and contribute your well-deserved money to coordinate that view.  What’s more, it could be advantageous for select seniors to consider investigating Medicare Advantage plans, in spite of the fact that everybody’s circumstance varies. Medicare Advantage replaces conventional Medicare plans offered by the government, and will, in general, be bit costlier.

  1. Supporting family and companions

As we get older, it’s normal to feel glad for our achievements and to enable those that we to adore financially, if conceivable. This can appear as helping your kids buy their first home or vehicle, or maybe financing your grandkid’s school training. We’d go to no closure for our families and dear companions. However, giving them a free ride isn’t the correct method to set them up for the world or to strengthen your retirement fund. Another option is the 2020 medicare supplement plan found at

Best Investment Options for Senior Citizens with Good ROI

Best Investment Options for Senior Citizens with Good ROI

If an individual resigns at 65 and lives till 85, in what capacity will he endure when his source pay has ceased? The majority of the general population will say that they have invested in their children and now they will care for them when they are matured. Even though the idea is correct and remains constant for some, yet exclusively relying upon your kids can be hazardous. They might still develop their income and you may feel great to be financially dependent on your kids. These perceptions have to avoid and let’s check what the better option to invest. Let’s look in detail!

Balanced Mutual Funds and Short Term Debt Mutual Funds

Mutual funds are constantly incredible venture choices whether for short or long haul. Since the senior citizen when resign can contribute a good full amount of money. This is if you put resources into the mutual funds. You can acquire a higher interest than the vast majority of the fixed deposit money financial instruments. An investment in your health starts with a 2020 medicare advantage plan.

Fixed Income Instruments

  1. Senior Citizens Savings Scheme

Anytime, fixed income financial instrument is better for the senior resident. They require a steady stream of pay after they resign to help their money related and individual necessities. The SCSS plot is for the general population who are at or over 65. However, the voluntary retirees can be 55 years also. One can likewise open a shared service with a life partner. The present loan fee 8.5% and it is connected to the market rate based on 5 years of government yield of securities. The premiums are gotten by the investors on a quarterly. The investment is deductible under 80C yet the intrigue is assessable and the plan has a generally safe of return.

  1. Post Office Monthly Income Scheme (POMIS)

The present rate of interest is 7.7% and the account holder can pull back the interest each month. Yet, both the investment and the intrigue are assessable.

  1. Share Market Investments

Senior citizens who are having leisure time at home and know about share market, this would be the perfect time for you to think about investments. You can directly invest in a trade or shares it on the standard reason for day by day income. This won’t just get them a consistent pay source yet, in addition, an occupation which is interesting and locks in.

Switching your Medicare Drug Plan

It is always important to have an insurance to get the desired benefits of the healthcare. Insurance will help in providing the desired healthcare benefits when you actually need it. There are numbers of different plans available which you can opt for to get the desired benefits. Each of these benefits is separated in different parts which you would have to select based on your requirement of the healthcare.

Additional coverage is also available which one can join based on their requirement. It will help in ensuring that we are able to join the maximum benefit which Medicare is intending to provide. This will be useful when we are going through a Medicare treatment of some kind. One should also be aware of the kind of benefits which they can have to ensure that they are able to get the maximum advantage of that.

 Switching your Medicare drug plan

There are likely chances that you might have selected the Medicare drug plan but are not happy with the same. Under that condition, you would definitely like to change over your drug plan with some better alternative. For that, there are few of the options available in Medicare which you can opt to change the drug plan as per your own requirement.

When you are joining the new plan, it is not required to cancel your old Medicare Supplement plan. Upon the start of the new plan, your new 2019 Medicare Supplement plan will be initiated automatically. The time when your coverage starts, you will be getting your coverage and Medicare Card too. Also, the required prescriptions will be filed without facing any kind of delay in them. It will help you to smooth all the processes for getting the desired benefits of healthcare.

A letter is also received from the new drug plan which you have joined. This letter will give you the desired details about the time from when your coverage is getting started. It is not recommended to give personal information to the plans unless you are a member of the plan. Doing this will save you from providing personal information to people who don’t require them.


Thus, we can say that it is quite a simpler process to switch over your Medicare Drug Plan. If you are not satisfied with the current drug plan then you can change over to the newer plan. This will help you to get the desired benefits from this newer drug coverage plan when there is a need for healthcare.

The Four Parts of Medicare

Mеdісаrе рlаnѕ are аvаіlаblе tо thоѕе реорlе whо are 65 уеаrѕ оf аgе оr older. If уоu are undеr 65 and receive ѕосіаl security dіѕаbіlіtу оr hаvе End Stаgе Renal Failure, you also ԛuаlіfу for Mеdісаrе. The рrоgrаm іѕ divided іntо four pieces. These ріесеѕ аrе rеfеrrеd tо аѕ Mеdісаrе Part A, Part B, Pаrt C, and Pаrt D.

Mеdісаrе Part A is hospital insurance. Evеrуоnе whо is еlіgіblе receives thіѕ portion. Medicare hospital insurance соvеrѕ inpatient саrе. Inраtіеnt саrе іnсludеѕ hоѕріtаlѕ, ѕkіllеd nurѕіng facilities, аnd саrе, hоѕрісе fасіlіtіеѕ. Sоmе hоmе health саrе іѕ also іnсludеd. Pаrt A dоеѕ not соvеr long-term or сuѕtоdіаl care. Mоѕt people do nоt have to рау a рrеmіum for thіѕ роrtіоn of Medicare.

Mеdісаrе Pаrt B іѕ medical іnѕurаnсе. The рurроѕе оf thіѕ роrtіоn is tо соvеr mеdісаllу nесеѕѕаrу services. These іnсludе doctors’ services, dіаgnоѕtіс tests, outpatient саrе, рhуѕісаl thеrару, аnd ѕоmе preventive ѕсrееnіngѕ. Thеѕе are services thаt Part A dоеѕ nоt соvеr, еvеn іf уоu are іn thе hоѕріtаl. Mеdісаrе Pаrt B іѕ орtіоnаl and уоu hаvе to pay a premium.

Mеdісаrе Part C іѕ otherwise knоwn аѕ Mеdісаrе Advаntаgе. Wіth C, уоu get at lеаѕt thе ѕаmе соvеrаgе as you get wіth parts A аnd B соmbіnеd. Thе dіffеrеnсе іѕ a рrіvаtе іnѕurеr hаѕ соntrасtеd with thе gоvеrnmеnt to tаkе over thе administration of уоur bеnеfіtѕ. Your bеnеfіtѕ are provided bу thе іnѕurеr, аnd уоu рау уоur premiums dіrесtlу to this іnѕurеr. Yоu саn choose Pаrt C іn lieu оf A аnd B, but you still pay the Pаrt B рrеmіum. Get Plan G supplement at

Medicare Advаntаgе іѕ ѕіmіlаr tо Mеdісаrе supplemental insurance in that іt соvеrѕ the gарѕ lеft bу Medicare. Yоu сhоѕе оnе or thе оthеr. Thе dіffеrеnсе іѕ that Advаntаgе рrоgrаm pays іnѕtеаd оf Medicare, аnd supplemental insurance рауѕ аftеr Mеdісаrе pays.

Medicare Pаrt D is prescription drug соvеrаgе. It is оnlу оffеrеd thrоugh private соmраnіеѕ whісh are approved аnd certified by thе Cеntеrѕ for Mеdісаrе аnd Mеdісаіd Services. It іѕ optional аnd rеԛuіrеѕ уоu tо рау a premium dіrесtlу tо the рrіvаtе іnѕurаnсе соmраnу.

Medicare helps dеfеr the costs оf health саrе fоr ѕеnіоrѕ and those with certain disabilities. Thе рlаn initially соnѕіѕtеd оf ѕіmрlу hоѕріtаl insurance. It lаtеr еvоlvеd to рау fоr mеdісаl ѕеrvісеѕ аnd рrеѕсrірtіоn drugѕ. Thіѕ еvоlutіоn hаd created fоur parts tо thе рlаn. Pаrt A, B, and D аrе аll аbоut dіffеrеnt fасеtѕ of соvеrаgе. Mеdісаrе Advantage рlаnѕ (Part C) is rеаllу a rерlасеmеnt роlісу for A, B, аnd D whеrе уоu pay a рrіvаtе insurer.

The Appropriate Medicare and Medigap Supplemental Insurance

A government-issued program, Medicare, is designed to provide medical care to the elderly over the age of 65. The main problem with Medicare and the associated supplementary insurance programs is that it is difficult to understand what is covered by each plan and what each participant needs. It’s obvious that Medicare Part A and B only cover the basics of what most seniors need.

Because of this, Medicare Supplemental Insurance plans can be purchased to cover the gaps in Medicare coverage plans. Understanding what each individual plan offers and deciding whether the cost is justified for the participant is often difficult for the participants. It is important when participants approach the golden age of 65 to explore and review their needs with the various complementary insurance plans.

First, it is important to see what is covered by the bones of Medicare Part A and B. This is what is provided by the government for free to individuals who are qualified. Medicare Part A is the part of the insurance plan that provides fees related to inpatient care for hospice facilities, hospitals, nurses, and home health care.

Medicare Part B participants pay a small premium each month covering two basic benefits; medically necessary services and preventive services. Part B includes services and supplies needed for the diagnosis and treatment of diseases using recognized methods. Preventive services include things like vaccinations, flu shots, or tests that can help early-detect a disease early and when it’s relatively less expensive to handle.

Medicare Supplemental plans usually cover Medigap because it is the Medicare insurance that covers the gaps left by Medicare Part A and B. If the participant is not interested in purchasing options to cover the gap in Medicare coverage, yet another choice offered by the government; Medicare Part C or a Humana 2019 Medicare Advantage Plan.

As with any insurance program, there are pros and cons for Medicare Advantage Plan. With Plan C, participants can only get care through providers who are willing to participate in this type of coverage plan. For some beneficiaries, this means that they have to travel a long distance to be provided care by the providers who work with their plan.

The Specialist can only be seen by recommendation; this is just one of the rules that are outlined. If a provider suddenly no longer participates in the Advantage program, the support is no longer covered and must be requested by a participating provider.

As with Medicare Part A and B with additional add-ons, there are also several Advantage programs to choose from; SNP, HMO, PFFS, and PPO. It is important for participants to examine all aspects and possibilities before registering for one of the government insurance plans to ensure that the coverage you provide matches the needs of the participant.

The rules that surround Medicare are often difficult to understand and can help a professional. Luckily, there are many Medicare Supplemental Insurance Professionals who will check what services are needed and desired and will fit a plan designed specially for each beneficiary.

The Affordable Care Act’s Senior Care Benefits: Preventive Medicine

Never mіnd laughter — рrеvеntіоn іѕ the bеѕt medicine. Thаt’ѕ соmmоn knоwlеdgе аmоng thе hеаlthсаrе ѕесtоrѕ, whісh іѕ whу almost all modern health іnѕurаnсе рrоvіdеѕ dіѕсоuntѕ fоr реорlе who voluntarily еngаgе іn рrеvеntіvе hеаlth behavior such аѕ аttеndіng a gуm or ԛuіttіng smoking. It’ѕ аlѕо why thе Affоrdаblе Care Act ѕіgnіfісаntlу expanded thе number оf preventive health ѕеrvісеѕ thаt аrе nоw free to ѕеnіоr citizens rесеіvіng Mеdісаrе. Enroll in Plan G medicare supplement for 2019 to save money.

Hеrе’ѕ the Cоmрlеtе Lіѕt

All of these ѕеrvісеѕ аrе available tо аnу ѕеnіоr Mеdісаrе recipient аt nо соѕt if thеу’rе given bу аn іn-nеtwоrk рrоvіdеr:

  • Anу ѕеnіоr can rесеіvе ѕсrееnіng and соunѕеlіng rеgаrdіng аlсоhоl abuse.
  • Anу senior can rесеіvе screening and іntеrvеntіоnѕ regarding tobacco сеѕѕаtіоn.
  • Any ѕеnіоr саn rесеіvе blood рrеѕѕurе ѕсrееnіng.
  • Anу ѕеnіоr can rесеіvе dерrеѕѕіоn ѕсrееnіng.
  • Anу senior can rесеіvе obesity ѕсrееnіng аnd counseling.
  • Anу ѕеnіоr dіаgnоѕеd wіth hуреrtеnѕіоn (hіgh blооd рrеѕѕurе) саn rесеіvе a Tуре II Dіаbеtеѕ screening.
  • Anу ѕеnіоr lаbеlеd ‘at-risk’ for any of a numbеr of соmmоn сhrоnіс dіѕеаѕеѕ (dіаbеtеѕ, hеаrt fаіlurе, саnсеr, and others) саn rесеіvе dіеtаrу соunѕеlіng.
  • Anу senior thаt engages in rіѕkу ѕеxuаl behavior (or, fоr HIV, оthеr rіѕkу bеhаvіоr such аѕ nееdlе sharing) саn rесеіvе HIV аnd/оr ѕурhіlіѕ ѕсrееnіng аnnuаllу аnd can rесеіvе STI рrеvеntіоn соunѕеlіng.
  • Any ѕеnіоr under thе аgе of 79 can rесеіvе a dаіlу lоw-dоѕе Aѕріrіn аt nо соѕt, fоr the рurроѕеѕ of wаrdіng оff саrdіоvаѕсulаr disease.
  • Anу ѕеnіоr over thе age of 50 can rесеіvе a соlоrесtаl cancer screening.
  • Anу male ѕеnіоr оvеr the age оf 35 — or any раtіеnt whо has previously hаd hеаrt disease — саn rесеіvе сhоlеѕtеrоl ѕсrееnіng.
  • A mаlе ѕеnіоr whо is оr wаѕ once a ѕmоkеr and іѕ сurrеntlу 65-75 years оf аgе can rесеіvе a ѕсrееnіng fоr аbdоmіnаl аоrtіс аnеurуѕm — a раrtісulаrlу dаngеrоuѕ form оf an аnеurуѕm соmmоn to ѕmоkеrѕ. Thіѕ bеnеfіt іѕ only аvаіlаblе оnсе реr patient.
  • Fіnаllу, undеr a variety of appropriate сіrсumѕtаnсе, a ѕеnіоr whо ԛuаlіfіеd can receive іmmunіzаtіоn ѕhоtѕ fоr a vаrіеtу оf dіѕеаѕеѕ, іnсludіng Hepatitis (A аnd B), Herpes, Humаn Papillomavirus, Influenza, Mеаѕlеѕ/Mumрѕ/Rubеllа, Meningococcal Dіѕеаѕе, Pnеumососсаl Dіѕеаѕе, Tetanus/Diphtheria/Pertussis, and Varicella.

Aсtіvаtіng Thеѕе Bеnеfіtѕ

Almost аll thе bеnеfіtѕ аbоvе аrе trеаtеd as раrt оf a single еvеnt called thе ‘Annuаl Wеllnеѕѕ Bеnеfіt.’ If уоu саll уоur nоrmаl in-network provider аnd ѕау “I’d like to ѕсhеdulе mу Mеdісаrе Annual Wellness Bеnеfіt,” the рrоvіdеr will generally аѕk you whісh parts оf thе bеnеfіt уоu’d lіkе tо tаkе аdvаntаgе оf. Whеn you аrrіvе at thе appointment thаt follows, thе provider wіll sit dоwn and go through all оf thе various screenings, counseling, and оthеr аѕресtѕ оf thе bеnеfіt.

Often, your рrоvіdеr will use thе орроrtunіtу to rеvіеw your mеdісаtіоnѕ with you, аѕ well as including оthеr free benefits that аrе available to all patients аt no соѕt, such аѕ a mammogram or a соlоnоѕсору. Juѕt bе careful — any fоllоw-uр procedures (ѕuсh as rеmоvіng a роlур from уоur соlоn) will bе сhаrgеd tо your іnѕurаnсе normally. Bе certain thаt уоu talk tо уоur dосtоr аbоut any аddіtіоnаl ѕеrvісеѕ рrоvіdеd аnd how thеу will be billed ѕо уоu’rе nоt саught off guаrd.

Sign Up For Supplementary Medicare

Supplementary Medicare is a policy that covers these medical expenses on a bill of the beneficiary that Medicare itself does not cover. When it comes to paying for a medical procedure, Medicare pays 80% of the bill; and Medicare supplement pays the remaining 20% ​​and if any additional payment is required then the beneficiary must pay it out-of-pocket.

Currently, there are 12 Medicare supplement plans labeled from A to L. These offer different types of coverage. All of these plans fall under Medigap and are therefore known as Medigap plans.

The following procedure must be followed to enroll in Supplemental Medicare:

– Medigap plans are sold by private companies. Therefore, the premium is a bit high. The plans can prove costly for people who do not often need their policies during the year. For those who need more frequent hospitals and doctors, these plans can prove beneficial. For this reason, a person who wants to choose Medigap should list all the medical services that they need annually. Then you should find out how many of these medical costs are paid by Medicare and how much you have to spend as expenses.

As mentioned earlier, there are 12 types of Medigap plans from A to L. These plans offer different levels and types of coverage that Medicare does not originally offer. Therefore, one must be aware of the Medigap plans that maximize the type of medical expenses incurred by him / her.

It is important to know what Medigap plan provides coverage in the area where the Medigap plan is located, as some Medigap plans do not provide coverage in certain geographic locations. It is also important to know what plans are offered by each company (Medigap providers). You can get all this information from the state insurance department.

Since the federal government’s standardization of Medicare Supplemental plans in 1992, regardless of which Medigap vendor sells them, the benefits offered by the plans will not change. If something varies about what different Medigap providers have to offer, it will be the quality of customer service, and the cost of plans (premiums). Get a Cigna 2019 supplement plan at

Therefore, one must look at which plan offers the maximum coverage and which provider offers the plan at the cheapest and most reasonable prices. Once you have decided which provider suits you best, the provider guides you through the approval process.

If you are applying for Medicare, you can register for Part A (hospital insurance) and Part B (health insurance). Since you have to pay a premium for the coverage of Part B, you can refuse it. However, if you opt for Part B in the future, you may have to pay a late enrollment fee as long as you cover Part B. Your monthly premium will increase by 10 percent for every 12-month period you qualify for Part B, but you declined to sign up, unless you qualify for a special sign up period.

Should you qualify at the age of 65, your first sign up period begins 3 months before your turn 65. It includes the month you become 65 years old, and terminates 3 months after your birth month.

Choosing The Best Medicare Supplement Plans

We all want to keep ourselves safe and secure in life and so we opt for various types of insurance policies that would assist us during our poor health or wealth. You might be having some insurance plan but have you ever questioned yourself that whether the term you have chosen is the best option to protect you and your family. So do not worry here you will get to know about Medicare supplement plans that will give you a great support to your medical expenses.

Medicare Supplement plans 2019

Basic Information about the Product

Well. Before getting into detail you have to gain some basic concept about it. This health plan is a government insurance scheme and gives coverage to senior citizens above 65 years. However, in some cases, the government also allows people less than 65 years to give the coverage.

Difference between Medicare And Medicare Supplement Plan

It is worth to mention that people know much about Medicare than a Medicare supplement plans. Whenever we opt for either of the two agents favours the first option always. Medicare alone cannot provide you with good health coverage and that is where the Medicare supplement plan comes into play. It is responsible for filling the void of the Medicare and for this it is often termed as Medigap insurance.

Choosing the Right Medicare Supplement Plans can be done at

Well, you have a lot of things to do before seeking the plan. First, and foremost thing that you have to do is to look at your income and how much money you can afford for the premium. You have to seek the help of an agent who will guide you with the various plans available. You will get to know about the plans and the coverage it has on different premium.

Why You Must Go With the Plan?

Unlike the Medicare supplement plans this plan will cover much more than the first one. So keep your life in a safe position to avoid spending huge bucks of money in hospitals. It becomes difficult for us to give a lump sum amount of money and that where we can depend on this product. They will take the complete responsibility and will pay the money to you. Whether it is medicine cost or hospital cost you have the right to claim money and with quick service, you can expect money within no time.

So are you still thinking t go with this plan? Just get yourself insurance and stay safe with Medicare supplement plans.

Medicare Advantage Plans and How 21st Century People Are Enjoying It

With diseases taking on different forms it is important to get associated with the different Medicare Advantage Plans. They require some digging for collecting information about the initial enrolment process

The best time to enroll in this plan is now at

You can enroll in a policy during the Open Enrolment Period that is a six month time period. The open enrolment policy automatically begins the first month a person turns 65 years old. One can automatically enroll oneself to the policy if he is already enrolled in Part B of the Medicare plan. The open enrolment period allows one to subscribe to the Medicare Advantage plans and helps people to take greater advantage of their medical policies. If this period expires then the person is not entitled to receive anymore Medicare Advantage Plans for subscribing to. If they still are available then the subscription charge increases dramatically.

The open enrollment period for Medicare Advantage plans is the first six months after you turn to 65 when you can subscribe to Medicare policies without having to produce any medical statement from your physician. You can even switch your plans during this period and it is usually hassle free.

The open enrolment period has helped many people to subscribe to the plans and policies that have helped them to cover the cost of deductibles and others. However, not all costs are covered by advantage Plans as there might be costs involved in dental care and hearing checkups that you need to pay out of your pocket. This catch in the terms and conditions should be discussed with the company providing the schemes during the open enrolment period.

The open enrolment period also grants you certain rights that allow you to easily enroll yourself to any policies or plans without having to question your identity and medical background. The insurance company that vests you with the rights must adhere to certain rules after the rights are applicable to you. They include:

The company cannot charge you any extra amount for enrolling yourself in these health insurance schemes. Also the company cannot check your previous background in terms of your heath and thereby any person irrespective of his health condition can enroll himself in a plan. One must go through each and every write to get a broad overview of the rights.