Archive for the ‘Income’ Category:
Written on January 30th, 2012 by Samanthano shouts
The great recession that we are in has meant that a lot of Americans are cutting back on a lot of usually affordable items. Making ends meet with less income is a way of living that a lot of us are getting used to, until we can do better.
Experts are noting that unemployment has gone down; however, more detailed studies reveal that the numbers are illusionary because those that have run out of unemployment benefits or are not eligible for benefits are not counted as being unemployed.
As time goes on, many American’s unemployment benefits are being exhausted and they have become ineligible to reapply. However, this does not mean that these people are working—and at most they may be underemployed. Then there are those that are not eligible, like those with failing businesses that can no longer stay afloat. These people are not being counted by the general census for unemployment accuracy—this is the conundrum.
Among many other things, what we are left with is a class of people that have to pay living expenses with much less. For those that are living with one income when your household once had two, or you are underemployed, you may appreciate this information.
Basic Survival
Being creative is a skill that can get you far in times like these. What it really comes down to is making it from day to day.
For those fortunate to still be in the workforce, plan out all of the necessary things that you need for the week. You need to be sure to get to work everyday, so be sure to have that expense covered.
Buy your transportation fare card ahead of time. Some employers have a program that allows you to purchase transportation fare cards, like a metro card, directly from the employer. The money is taken out of your paycheck before your deductions are calculated from your gross pay. This may alleviate some financial burdens for you later on in the year—ask your human resources department about it.
If you drive to work, be sure to put aside gas money. Avoid parking tickets and any other fee related offenses. The last thing you need is to spend more money or not have the use of the vehicle you need to get back and forth to work or to support your family care needs.
Pack a lunch instead of buying takeout all of the time. If you don’t like eating leftovers for lunch, then buy lunch items when they go on sale at your local market. You may be able to save 30%-60% off of lunch food costs when compared to buying lunch from vendors near your job.
Keep home expenses down, like utility costs, food, and repairs. Keeping on top of your utility usage will help to keep them low. Try to purchase foodstuffs when they are on sale, and store them well. Keep up on minor repairs so that they don’t turn into expensive home improvement projects later.
Entertainment
Relaxation and getting in enough down time is very important. You need to get proper rest to recharge yourself. This may call for some distraction and entertainment. You may not be able to go to the movies on a regular basis and movie tickets are very high right now—no problem. Check out you local paper for free to-do events. Go to the park, botanical garden, or museum on discount days. Go to your destination’s website to find out the discount price and free event schedule they have to offer. You may be surprised at how affordable and convenient this may be for you to do right now.
Don’t want to go out? Then stay home and log onto one of the low cost video streaming websites that you subscribe to. Netflix® video streaming is less than $10 dollars, and Hulu® is free—and a paid subscription to Huluplus® is also less than $10 dollars. I am sure that the low unlimited video streaming costs are less than haff of what others may pay for cable. Unplug the cable and go online for much less and with more flexibility and control.
Save, Save, Save.
I know that his may seem really daunting in times like these. It is truly challenging to save a significant amount of money right now—but that is ok, do the best that you can at the moment. Saving even just a few dollars from paycheck to paycheck really adds up. Perhaps you may not save enough for an all expense paid two-week vacation; however, you may have saved enough money to be sure you don’t run out of money for your basic expenses. Do your best to not have to borrow any significant amount of money. Nothing can be worse than trying to pay back money when you and your family are living on a very low income.
Written on January 1st, 2012 by Samanthano shouts
The American dream has been getting foggier and foggier. The notion of getting good grades in school to advance on to a scholarly institution and graduate college to land a great job has become fleeting. Adding on a family, a home, car, and opportunity for enjoyment of these liberties are becoming a goal that has been cast at an even farther distance. Personal income has decreased sharply over the past 30 years—almost 10 percent. The standard of living for the American middle class has gone down with it. Jobs that were held by the middle class have turned into “low income” jobs. These jobs now make up almost half of all American jobs. This is huge.
Some experts are noting that “globalization” is a factor in creating this trend, and may contribute to a creating a two-tiered society in this country. Some experts are even mentioning that America may be on the way to becoming less that a first world country.
Technology is also a huge contributor to this trend. New technology has been the cause of the reduction of particular jobs and increased other jobs. Jobs that are now in demand are healthcare and hospitality. Jobs where there is an impact on direct care of basic human needs and relaxation will thrive in this society. All humans need healthcare, and others will still spend money on home wellness when regular health insurance is not affordable—this will not just be left for the increasingly wealthy, although the wealthy can afford to feed the more extravagant hospitality sector.
The private sector job market is steadily increasing; however, for low-income jobs. Private sector jobs for the middle class are steadily decreasing, and government jobs are about the same.
With this entire going on, some experts are noting that today’s American generation is doing better than the previous generation. So far, the greatest increase is being seen for seniors in their social security checks. However, this comes at a great cost to the government.
Surveys conducted by Gallop polls, reveal that older Americans feel better off than their parents were at the same age in comparison to younger Americans. The wealthy Americans surveyed feel much better than those that are not as wealthy. Overall, this connotation is down by 5 percent from similar surveys taken near the turn of the century. Surveys from Pew Research Center have also revealed equivalent results.
This all seems to be quite good for much needed morale. Perhaps, this may be enough to combat the reality of this situation.
The recent economic turmoil that most Americans have been feeling has been overwhelming for most. With the right amount of motivation, there is hope present for a better future. The thing is, how long will it take for this better future to be realized. Most experts have noted that although there will be steady increases, the real turn around of what has been deemed “The Great Recession” won’t be for a few years. In the meantime, we can still have hope.
Resources:
ABC News: http://abcnews.go.com
Reuters: http://www.reuters.com
Yahoo! Finance – The Daily Ticker: http://finance.yahoo.com
Written on January 1st, 2012 by Samanthano shouts
It has long been rumored that the wretched economic state that we are in has very few opportunities for recovery—one of them being a booming private sector. Start-Up businesses can help with the economic recovery system we need. Individuals that are interested in creating their own business can use their natural talents to get started. Some people have a distinct passion that he or she wants to bestow upon the world—and then there are some people that are not really sure what they may want to do.
With all of the ups and downs in the business world today, certain business paths have opened or widened as other businesses have failed. This has created a whole new way to look at business and the way people earn money. One of the factors of this phenomenon includes an increase of e-commerce, with mobile commerce (or m-commerce) climbing right behind. Keeping this in mind, here are a few great ideas for start-up businesses.
Shipping
Virtual shopping has created a boom in the shipping business. This natural occurrence has made huge profits for shipping businesses. Shopping malls are becoming ghost towns in favor or the virtual mall. This undoubtedly calls for the consistent need for shipping services and supplies. This is a good time to learn more about the shipping business and how to buy into a franchise.
Virtual Assistant
A lot of business owners need an assistant. However, not all of them are able to afford the space, equipment, and supplies he or she will need to complete the job. This is when a Virtual Assistant, also known as a VA, can be most useful. You can be that useful VA that a professional will pay to help him or her to become more successful. You will need to have your own home/office equipment and a connection to the Internet. The commute is none existent and your only steps away from the cafeteria and employee lounge.
Virtual Tutoring
Modern students are getting used to a diversified learning atmosphere—including online instruction. Although this has not eliminated in-class instruction, a lot more students expect some part of their course instruction to be online. There is an accepted convenience that makes this a highly desirable aspect of learning today.
Tutoring is an age-old student aide that can now be brought to a plethora of knowledge needy students. If you are a qualified tutor, you can now offer your services online. You can use one of the many communication portals such as video chatting or email to reach your students. Now you can tutor your pupils despite bad weather, personal ailments, or distance.
Now that you know about all of the different ways you can make 2012 your year to make it big in a private business you can talk to your financial advisor about how to get started. Pool your money resources together to make the necessary purchases. If you don’t have enough money as of yet, it will not hurt to find out how much money you will need to raise too make it to your goals—knowledge is power.
Written on November 4th, 2011 by Samanthano shouts
In a Nut Shell
Employment in America is increasingly challenging. Although there are reports of unemployment decreasing, this only accounts for those that are still eligible for unemployment benefits. A lot of Americans are no longer receiving benefits and are not necessarily getting work as a result. So what is happening to them? These are the people that are becoming, and by effect increasing, the nations poor.
The unemployment rate is being noted as approximately 9 percent, currently. However, another survey that concentrates on a wider scope of people that are not working, or are working only part-time in lieu of full-time work, brings the number to over 16 percent—this is a huge difference.
Some out of work job seekers feel they have exhausted all reasonable avenues, and have stopped looking for work. It becomes such a job, looking for a job, they become exhausted at what seems to be a matter of running in circles. According to some experts, the government really has to step it up to understand the full scope of who is unemployed and reach out with services to them all. This is the only way that a difference may be seen anytime soon.
Public jobs are decreasing while the private sector continues to increase. This is no doubt by an increasing amount of professional or expert services being offered by smaller companies. For a few lucky ones, this has been a catalyst for starting up a new business. However a problematic situation may occur if there is a lack of an ability to control costs, and maintain customers in such a cooling economy. Those that would tread those waters should do so with extreme care.
For others, there is the reality of seeking out public assistance. A lot of those that are able to utilize food stamps are still working—they have become the working poor. Demographics are shifting at an alarming rate as a direct result.
Metropolitan areas are a foreground for a growing number of poverty stricken families. Although food stamps are a non-monetary aid for families, this staple is considered to have decreased the official child poverty rate. However, the poverty rate of the elderly has recently “doubled,” according to a recent report released by the Associated Press.
One city town in Michigan has found it necessary to take a drastic and extreme turn by taking off the entire city’s funded street lamps. Not only did they cut off the electric current to public lampposts as a result to their indebtedness of over $55 million dollars, city officials have removed the lamps from the ground. The shutting off of a basic service that may sacrifice public safety is a sure sign of the drowning state of things for some communities that have more “people than they do jobs.”
The gap between the rich and the poor or the ‘haves and the haves not’ has increased tremendously. As a matter of fact, while the average American has been brought down to their knees, the nation’s rich have only gotten richer over the last thirty years. According to reports (AP), the nation’s wealthy have increased their wealth by almost 300 percent.
Resources:
Associate Press: http://www.ap.org
Contrary Indicator: http://finance.yahoo.com
Written on October 16th, 2011 by Samanthano shouts
Social Security Loosing Ground for Modern Seniors
We would all like to retire at some point. With the increasingly disturbing economic storm that we have had to weather lately, this is becoming more fantasy than reality. More Americans must postpone retirement, and some believe that full retirement may not be possible anymore.
Americans have been retiring at age 65 since 1938. This age increased to 67 by 1960. The way that this works is that anyone born before 1937 may retire at the full retirement age of 65. As the years have gone on since then, the full retirement age has steadily increased. Options exist to retire from age 62 – 67. However, at age 62, a reduction will occur for those collecting social security benefits. Only at the corresponding full retirement age, may retirees collect the full social security benefit amount. This has been an off putting reality that have seniors scratching their heads trying to figure out how they will survive in today’s world.
Don’t Get Old
Seemingly easier said then done. What can be done is to not allow your skills to become stale and dated. Stay up on the latest working trends, including new software, business machines, methods, and technology. There are many ways to gain access to these training online, or you may be able to take classes at a local accredited school. Keep on buffing up on the latest business tools and keep your skill set growing. You will stay current and in the stream of what is happening now. Make yourself an asset to your company and you will go far.
Keep Saving and Investing
Don’t put a cap on your saving plan. Keep on saving your money, and selecting diversified stocks to invest in. The key is to keep to your saving schedule so that you may have enough to fall back on down the road. And with proper investing, you can make your money work for you.
Part-Time Work
You may be able to subsidize your benefit income with a part-time job. Use the skills that you had in your full-time work life to your benefit. You can also start your own business and take on light contracting work to make ends meet. The more creative you are, the more you will be able to resolve your own situation.
Sell Off Marketable Items
You may have acquired a hefty lot of valuables over the years. Perhaps you may be able to sell off some of it and put that into savings. Make sure that you have had these items appraised and keep track of the certificate paperwork. This can be old unwanted jewelry, artwork, property, books, automobiles, furniture, and other antiques. Make sure you have a clear record of what you have within an inventory log. You don’t have to part with your truly precious items that hold sentimental value for you. Hold on to those treasures.
If you are still holding to a big house, you may want to consider moving into a smaller home or apartment. You can save big on property tax, maintenance, and huge utility usage bills.
With careful planning and constant awareness of what is going on in the world, retirees may be able to enjoy a well-deserved rest.
Resources:
Social Security Online: http://www.socialsecurity.gov
The Wall Street Journal: http://online.wsj.com
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Filed under Cost Of Living, Income, Investment
Tags:American dream, budget, cost, economy, employment, finances, income, jobs, money, retirement, retirement age, social security
Written on September 14th, 2011 by Samanthano shouts
Highest in Decades
The American dream has been a driving ideal for those born here, and for immigrants seeking a better way of life. Along with this sentiment is a common vision, of this better way of life – a beautiful three-bedroom house, with an emerald green lawn, white picket fence, and friendly recipe-sharing neighbors. Perhaps the dream has had some new additions or modifications such as having a larger apartment within a bustling city, and a room with a view. All in all, it adds up to a want for the most desirable contemporary life experience.
The Associated Press has released information from a Census Bureau report regarding a study conducted in 2010. It states that almost one out of every six Americans is living in poverty. That is a huge amount of people: over 45 million Americans are. This is up by .8% from 2009.
The reasoning for such increasing numbers is the lack of jobs in America today. As I have reported recently, the unemployment rate in the US is rising at an exponential rate. According to the report, the last three years have had the highest increase rate from any three-year timeline since the ‘80s, and the highest amount of Americans living in poverty since the late ‘50s.
For these reasons a lot more Americans have had to rely on social services such as welfare, and food stamps. Reuters has reported the same amount of people on food stamps – 15%. Up “74% from 2007, just before the financial crisis and a deep recession led to mass job losses.” However, some of those receiving these food stamp benefits may be working as the underemployed. These are astonishing numbers – absolutely incredible.
Hopefully, Obama’s job plan will be acceptable and get Americans back to work. Economists are fully behind his plan. However, some are still reluctant to change financial “growth forecasts” for the remainder of this year, and going into the next. Predictions are still being “trimmed at a percentage point,” according to reports (AP). The US needs to produce about one-quarter million jobs on a monthly basis, to even begin to combat the high unemployment rate. A “rapid” job creation increase is what Americans need, according to the same report. Without that, we may continue at the currently over 9% unemployment rate.
At any rate, we need something extremely positive to happen quite quickly.
The census has determined that those living on less than approximately “$22,314” for a household of four, and less than “$11,139” for any one person are considered to be living in poverty.
The statue of liberty has a greeting meant for all that have chosen to live here. It states: “give me your tired, your poor, your huddled masses yearning to breathe free. The wretched refuse of your teeming shore. Send these, the homeless, the tempest-tost to me, I lift my lamp beside the golden door!” Now it seems that we are the tired, the poor, and “huddled masses yearning to breath free…”
Resources:
Associated Press: http://www.ap.org
Reuters: http://www.reuters.com
The Statue of Liberty – Ellis Island Foundation, Inc.: http://www.statueofliberty.org
Yahoo! News – The Lookout: http://www.finance.yahoo.com
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Filed under Cost Of Living, Currency, Income
Tags:American dream, American poverty rate, cost of livng, debt, economy, employment, finances, growth, jobs, money, poor, poverty
Written on September 13th, 2011 by credit2meno shouts
Avoiding collection calls won’t get them off your back. You have to take action when you can’t pay your bills. Too often, the lenders are seen as the enemy but they are really just trying to get what is due to them. Of course they should be treating you with respect when you talk to them on the phone. Being late on bills isn’t just cause for them to harass you.
If you can’t pay your bills on time, contact who you owe and let them know. They may be able to have you pay an interest only payment for a few months. You won’t pay anything on principal. Then they will tack those payments on to the very end of your loan. They may be able to reduce your payment as well into smaller amounts, but you will have to pay for it over a longer period of time.
Still, being able to get your debts reduced can ease the monthly burden of what you have to pay out. As your circumstances improve, you can start to pay more to the lenders once again. If you owe a large amount of money, you may be able to get a lump sum settlement. This will pay off what you owe and then you can be free and clear from it.
When you accept such a settlement, make sure you get something in writing that verifies what the agreement will be. That way you have some proof should the attempt to come after you again in the future for the remaining balance.
You want to do all you can to avoid your bills going to collection agencies. When that happens you may have to pay legal fees and fines on top of what you already owe. This will only compound the problems that you have. When creditors don’t hear from you, they will assume that you don’t care. They may freeze your bank account or they can garnish your wages to get what you owe to them.
There are plenty of debt consolidation companies out there, but you do have to be careful. Many of them charge high fees and that is money that could be going to pay down your debt. They can negotiate balances, but you should be able to do that on your own with many creditors.
You may find that consolidating your debt though is a good idea. You will want to carefully evaluate the overall cost of it. If the rate of interest will be low enough, it could save you a large sum of money. You may find that getting a home equity loan can help you to pay off your debts. Then you can start over with a clean slate and have peace of mind. You don’t want to worry every time your phone rings that it is someone trying to get you to pay a bill.
Written on September 10th, 2011 by Samanthano shouts
Linked With Resignation of European Executive
America has been feeling the pinch of rising oil and gas costs in recent months. Political embargos or work stoppage with oil rich countries have served as a catalyst for this trend. For the first time, in a long time, oil prices are down and we can expect to get bit of a break. The reason why may surprise you.
Resignation Domination
Juergen Stark, a top Economist at the European Central Bank, has handed in his resignation according to a report by the Associated Press: Stark will be finishing out his term early. This news has inspired the price of oil to go down as doubts about Europe’s debt crisis increases. Although Stark’s exit has been noted in the article for “personal reasons,” it is believed that there may be a connection to a growing divide among European officials. These ideas seem to have taken to the wind and traveling far enough to make people fear that this change may be an indication of Europe becoming overwhelmed – furthering financial demise in Europe. If European officials cannot agree on what to do about their own issues, the world becomes very nervous and a global chain reaction begins.
How Low
It has also been reported that oil is down by 2%: approximately $.30 cents in New York and $1.30 in the UK.
Reasons for Concern
Europe is a huge consumer of oil. Without a stable European debt recovery plan in place, a trend of low usage will manifest itself. There will be no real way to know if Europe will be able to afford the same supply of oil – or other merchandise, for that matter. This will have a direct effect on the price and distribution of oil, as well as on how Europeans travel. Changes in this behavior could certainly be detrimental to American tourism.
The prices went down due to an anticipated lack of demand, according to experts. This includes heating oil as well. However, it has been reported that the U.S. supply of oil has decreased dramatically because of an increase in demand, recently. Of course this has to be related to the recent storms as well. These were a hindrance to transporting oil, as well as causing a spike in demand, for that particular time. It seems that more oil is on the way from Libya, after a stoppage of over 200 days. However, the amount being sent is hardly enough to keep American consumers satisfied for long, unfortunately.
What Else is Being Affected?
What else is not being affected is probably a better question. As it stands, stocks have been going down and the Dow fell to a significant low at close on Friday as a result. Experts have stated that they expect for stocks to fall even further – possibly pushing America into a deeper recession.
This news is quite startling. According to the experts, Stark’s separation is being seen by some as a telltale sign of worse days to come.
Hope in Sight
If Obama’s job plan actually takes flight, there may be a chance for a trickle effect recovery. Many economists are on his side and believe his bill makes perfect sense and truly will work. It is now up to congress to bring the bill into being. This will pump new life into the American economy. It is believed that this opportunity for rejuvenation will be a promising start for all of us.
Resources:
Associated Press: http://www.ap.org
Canadian Press: http://www.thecanadianpress.com
Yahoo! News: http://www.ca.finance.yahoo.com
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Filed under Banking, Currency, Income, Investment
Tags:debt, economy, employment, European Central Bank, European Debt Crisis, finances, jobs, Juergen Stark, money, risk
Written on September 9th, 2011 by Samanthano shouts
Stimulating a Path to Recovery for Job Seekers
The economy has had a deep impact on the way people are doing business. Most economists believe that it will take a flourishing small business market to successfully stimulate the job market in America.
What Job Seekers Need to Know
Those that are looking for a job may find that they may have a better chance gaining employment with an owner of a small business. As a matter of fact, experts say that it will be easier for a worker to find a job with a small business than with a large business right now. Small businesses have been described as those with 1 – 499 employees.
A majority of large businesses, especially those in the public sector, are so overwhelmed with “human capital” that they can afford to let scores of people go at a time. They simply can’t sustain huge amounts of people right now. These businesses maintain a safety net plan that allows for the streamlining of their workforce on a whim. On the other hand small business owners need help and can’t do without some sort of human support for their business. Because they are so small they have to do a lot of work themselves. Small businesses d0 not have a big business budget to hire large amounts of people at a time. However, with a high enough volume of small businesses, more workers can be extracted from the overwhelming unemployed population and put to work. These new hires can help these small businesses to grow – the ultimate goal for any small business owner.
There may also be a substantial governmental gain for small business owners that hire workers right now. President Obama has presented a job proposal to congress this week, the American Jobs Act, which includes a break for small business owners. Those that hire workers will be eligible for huge tax cuts across the board – up to 50%. This is a definite incentive for small business owners to hire. And this could mean a tremendous boost for the economy as well.
Another thing for job seekers to consider is the fact that small businesses tend to hire more people without specialized degrees or higher education. Once you have the appropriate skill and experience, you may find it easier to get into your field of work. Start-ups can be especially tolerant of staff members without advanced degrees. The focus is on getting the job done. If you can handle that, you are sure to be hired and maintain that job.
There is also a trend within the small business sector that grants more opportunities for a highly diversified range of minorities.
Overall, small firms are creating more jobs than any other sector right now. This is also a trend seen during times of higher than normal unemployment rates from large businesses or the public sector.
With all of this said, the time is now for job seekers to look for employment with a smaller firm to have their own personal needs met. You are welcome with open arms.
Resources:
Small Business Administration: http://www.sba.gov
Yahoo! News: http://www.news.yahoo.com
Written on September 6th, 2011 by Samanthano shouts
Where Are They Now?
As Labor Day passes, this question is quite a glaring one. Unemployment is a big concern for the majority of Americans today: 9.1 % of Americans are currently without jobs.
Nevertheless, when the numbers of the Americans that are underemployed, along with those who have stopped looking for work, and those that are still looking for work (unemployed), are combined the figure comes out to be over 16%.
The Bureau of Labor Statistics released a report on September 2 noting that there has been a “next to zero,” increase in jobs creation – approximately 62,000 – and exclusively within the private sector within the month of August. However a conflicting expert interpretation within the Associated Press has stated that the government report has noted no new jobs have been “added” and no hiring for existing jobs have occurred. It would seem that jobs created within the private sector, although noted, do not make enough of an effect to be taken seriously. This is quite bleak, to say the least.
There have been some unusual circumstances that may be considered to be contributing factors that may have discouraged higher numbers such as the earthquake along the American East Coast at the beginning of August and the hurricane during the end. These are conditions that are hardly welcoming of anything more than people going into basic survival mode. Perhaps without these happenings, the numbers would have been better.
Experts had previously projected an increase of 93,000 jobs created for August 2011.
When the unemployment rate starts to decrease it will likely be quite minimal and slow, as the first thing employers are expected to do will be to increase the number of hours allotted to the now underemployed class – making them full-time workers. The rate will also stay high because the people that were previously not looking for work, and not counted as unemployed, will start looking for work when more jobs are added, and it is as that time that they will be considered to be unemployed – officially.
Income Supplements – How Some Americans are Surviving
Food stamps, food banks, and other social services are at an all time high and not exclusive to the unemployed. The underemployed, or low wage earners are now utilizing the government program in higher numbers than ever before.
15% of Americans are currently using food stamps as a supplement and only 60% of them are unemployed. Experts have stated that the number of households that will need to rely on food stamps will increase because the majority of new jobs being created are low wage positions as well the increasing number of Americans with expired unemployment benefits.
Psychological Impact
The unemployed are now sleeping more and working for less or for free according to a recent study by a Princeton University Economic expert.
As the amount of jobs being offered has decreased, along with a high rejection rate, a lot of the unemployed have stopped looking as intensely or at all. The time of sleeping in the morning hours has increased, as well as napping throughout the day. Those that are active are spending more time with children, doing more chores around the house, or participating in volunteer work. This has been a huge distraction for looking for work for wages. Employers are now reluctant to hire those that have been out of work for long periods of time because an assumed aloofness associated with staying out of work for an increased amount of time.
Both the unemployed and their potential employers are being psychologically impacted to a point that is proving to be an impediment to searching for a job, job creation, and new hiring.
Resources:
Associated Press: http://www.ap.org
Contrary Indicator: http://www.finance.yahoo.com
Financially Fit: http://www.financiallyfit.yahoo.com
Reuters: http://www.reuters.com
The Lookout: http://www.news.yahoo.com
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