4 Tips For Staying Productive After Retirement, By Robert Jain

By Jason McDonald

When you think of retirement, you may think of spending your days at home, whether it's watching TV, talking to family and friends, and anything else that may be considered relaxing. It can be difficult to retire, as the likes of Robert Jain will agree, but this doesn't mean that this must lead to a period of unproductiveness. Older retirees can still contribute if they please. Here are 4 of the best ways that this can be done.

One of the best ways to stay productive after retirement, according to such names as Bob Jain, is by finding a hobby to invest time in. Have you been looking to paint, but haven't been able to because of work? This may be the perfect time to learn. What about learning how to play an instrument? You can devote as much time to this as you'd like. These are just a few hobbies that retirees can build upon in their golden years.

Another way to remain productive after retirement is by applying for a part-time job. While this seems to defeat the purpose of retiring, on the surface, there are benefits that are worth noting. Not only does this help retirees may extra money, but they can still contribute in some form or fashion. It also doesn't hurt that it allows them to remain sociable, which would have been missed if one simply remained at home for the rest of their days.

If you don't feel comfortable working a part-time job with a company, why not get involved in volunteer work? There are many organizations, charities and fundraisers included, that can use the help that you provide. Not only will you be able to help these organizations attract interested parties, but you can carry out daily tasks that must be completed. Volunteer work typically doesn't require an extensive application process, either, which makes it all the more worthwhile.

Lastly, if a retiree is feeling up to the challenge, they can travel. This can go beyond the United States, as they may have the itch to see other areas of the world, including Italy, the United Kingdom and Japan. By traveling, a retiree will be able to see various places that they might have only dreamed of seeing when working full-time. Traveling can be considered a reward for a retiree's hard work, which makes it more worthwhile to take part in.

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For more insight regarding retirement and finance, consult Bobby Jain today.. This article, 4 Tips For Staying Productive After Retirement, By Robert Jain is released under a creative commons attribution license.

The Key Elements Of Commercial Project Finance

By Henry Hughes

Starting a big business is something that you cannot do alone. This is because you cannot possibly have all the funds to start the business. Therefore, you will need investors and lenders to help you in financing the program. Big investments like government infrastructures, stadium and oil companies are financed by several lenders and investors. Commercial project finance is therefore the main means of financing for such programs. The profits will depend on the returns once the program succeeds. If you do not know much about this financing, below are some key elements that you should know.

The first key element is the private sector owner or partner. This is not a single person but rather a corporation or partnership. This is created for the sole purpose of funding and running a certain program. It is therefore the heart of all contracts that the program will make any borrowing, construction and even the operation on the initiative. This partnership is also known as projectco.

Another party is the sponsor of the program. This is the person that takes the role of managing the entire program. This sponsor owns the initiative. Therefore, if the initiative succeeds, he/she will receive profit through management contracts of as a result of ownership of the initiative. This individual usually covers certain liabilities and risks to make sure that the initiative succeeds.

Another key element of project finance is the lender or lenders. These include the investment banks, commercial banks and other institutional investor that will provide loans for the initiative to run. Usually, lending cannot be done by a single institution or lender. It has to be done by a group of lenders that form a syndicate and pool funds for the initiative.

Another critical element is the agent. Basically this is just one of the lenders that become appointed to become the agent. This person will thus act on behalf of the syndicate or lenders. He/she is the one who provided the loans. This individual is usually selected by the other lenders. In case the lenders propose more than one name, voting should be done so that one agent remains.

Another party of the program is called the account bank. This is also a representative of the syndicate. This account bank is the account that will hold all the cash flow. This means that all the money that the initiative will generate passes through the account bank. This is a critical role that needs trustworthy people.

The next elements involve the equity investors. These include the initiative sponsors and lenders that will not have an active role in running the program. For the lenders, they will automatically become shareholders in addition to their loan. They will thus receive enhanced returns if the program succeeds. The sponsors will also be shareholders and can buy shares from the equity investors.

Last but not least, there are contractors, suppliers and customers that play a big role in the program. The suppliers have the role of providing all materials required for the construction. The contractors then design and put up the building. Customers are there to complete the equation. Other parties are also present and you should check them out.

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Get a summary of the things to keep in mind when choosing a commercial project finance company and more information about a reputable company at http://www.aayinvestmentsgroup.com now.

All You Need To Know About Project Finance

By Lisa Parker

Project financing is the funding of big infrastructure projects. Meaning, a bank will lend some money for building power plants, roads, and more. Project finance in Ghana and other developing countries are building a lot of projects, some are big and some are small. Before such will be a success and since you need money for this, finance is needed first.

The examination is especially vital for long haul ventures. The initial step is to decide the budgetary structure, a blend of obligation and value, that would be utilized to back the undertaking. At that point recognizing and esteeming the financial advantages of tasks will create, and decide whether the advantages exceed the expenses.

The breakdown. To have a more detailed understanding about this, a break down will be provided down below. First stop on the list is the long haul framework finance, modern undertakings, and open administrations. This is commonly utilized in extraction of oils, control creation, and foundation areas.

Now, what is really an SPV and why was this created. A legal entity formed for the purpose of projects. The funding requirements for during the process of execution is going to be managed by SPV only. The reason is so that the insulation of the holding company to avoid any risk and events from arising.

Non and limited recourse monetary structure. Undertaking account is the organized financing of an explicit monetary element. An SPV which is made by the patrons utilizing value or obligation. The bank considers the income produced from this substance as the significant wellspring of advance repayment.

Cockeyed Sheet. Debt is ordinarily held in an adequately auxiliary not combined on the monetary record of the individual investors. This diminishes the effect on the expense of the current obligation and obligation limit. The investors are allowed to utilize their obligation limit with respect to different speculations.

To carry it out, city development authority and corporate will form an SPV. Thirty percent of the project cost is funded by equity and the rest is by the government grant. While the remaining seventy percent on the other hand must be funded by the debt. But the question is who will lead this. This is where finance comes in.

Why sponsors are using it. A support can fund another undertaking utilizing two choices, the new activity will then be financed by the asset report and the new venture is fused into a recently made monetary substance, financed reeling sheet, and SPV. Corporate fund implies that the patrons utilize every benefits and money streams from the current firm to ensure extra credit given by banks.

In the event that the venture is not effective all the rest of the benefits and money streams can fill in as a wellspring of reimbursement for every one of the leasers of the consolidated substance. This on the other hand implies rather that new ventures and the current firms live in two different lives. In the event that the venture is not fruitful, leasers have no guarantee on the advantages and money streams.

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Learn more about project finance in Ghana by visiting our official website now. To access our latest press releases and our FAQs, click the links at http://www.aayinvestmentsgroup.com today.

Factors To Consider When Looking For International Project Funding

By Paul Davis

Are you an international commercial business or investor looking to secure financing in another country? This process might initially be challenging. However, knowing what factors to consider and can help you to secure finances from a reliable organization will help you get funds on time to kick off your investment. The following are tips to guide you when looking for international project funding.

Outsourcing finance for any business comes with a number of risks. Whether it's venture capitalists or a bank loan involved, there are risks that the business has to consider. What is the risk if repayments are not made on time? Most lenders ask for a certain percentage of equity in your business. It is important to consider if the percentage is too high or not.

Consider the amount you need to have your project running. In most cases, international lenders are not ready to finance projects that require considerably less capital. You should do research to determine if the amount you need is available locally before looking for global financing organizations. Some of these lenders will have a limit on the amount of finance they can provide to support specific projects.

Another factor that determines if global financing is the best option is the total costs involved. There are a number of additional fees your business incurs such as origination fees. There are organizations that offer full financing without charging those fees. Add up all these costs in order to determine if the total debt will be too high or not.

What financing requirements does the lender place on applicants? Different organizations will have varied personal or business requirements you must meet before lending you money. Take time to discuss them before you can sign any deal or agreement. Note that you should only pursue financing from organizations whose requirements you meet in full.

Understand the repayment terms and conditions set by the organization. It is important to ensure that your investment will perform well so as you can repay the debt on time. The terms will also state the amount of the periodic payment you according to the schedule in place. Take into account the allocation of each payment to principal and interest and choose financing with a higher allocation to the principal amount.

It is important to clearly understand and state the purpose of the financing. Lenders will be keen on the type of investment you intend to set up. Some may reject your request because they do not fund businesses within that specific sector. There are organizations that can finance any project while others have specialized in specific types of investments. After you have clearly understood your invest, conduct thorough research to find out which lenders are more likely to fund it.

Ensuring that all the above specifics are in order will help you get financing easily. Take some time to learn about the lenders and the kind of financing they offer. You will know how to present your request so that it is not rejected.

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Get a summary of the things to keep in mind when selecting an international project funding company and more information about a reputable company at http://www.aayinvestmentsgroup.com now.

The Increasing Importance Of Project Funding Worldwide

By David Fox

The economic status is probably one of the things that the government always been focused on. They are aware of the current status. The most affected when it will be low is the people. This has been included in great talks and even in debates. For some reasons, thinking about such a thing, one of few ways that are effective for solving it is to established projects. But a need for project funding worldwide is much more needed because finances are necessary in order for completing such projects being introduced. However, one way to get a fund is to find generous solicitors such as investors and making sure to get an approval coming from them.

But obtaining a fund is not easy especially if someone is just all alone by himself. Though a lot of options will be able to present for him and he can just pick what he thinks might work for him. Looking and finding a fund is never an easy thing because it has been perceived as difficult to deal with kind of matter. However, nothing is impossible especially today that there are plenty of organizations that offer it with some terms and conditions apply.

If someone is alone and no one is with him throughout his journey, then the best thing to do is to use his personal savings account for establishment purposes. If the person alone has reliable and trusted colleagues and acquaintances, then he might solicit money from them. Raising money as well from the current investors he has at the present moment is a good idea as well.

Funding a project has never been easy. People who are involved with this are actually doing the very best in order to work for the good out of it. Engaging with this kind of commitment requires a lot of effort, brainstorming, money and creative ideas. This is truly inspiring, something that has been established in order to give back to humanity.

As for this matter, it has a big impact on the economic state of a particular country. At one point in time, it must be resolved slowly with possible solutions. The solutions are funding the chosen project itself. Amongst all other plans being introduced because there were many of them, one must choose what is most likely needed for the moment.

And if the undertaking itself will be about the advantages of numerous individuals, without a doubt, it has a colossal ability to pick up the trust of financial specialists. Furthermore, this is relatively they should do, and that will be giving back something beneficial through rolling out an improvement.

The business concentrates more on building foundations which will destine to be utilized and in addition the advancement of business and mining exchanges. Modern tasks, for example, the development firms are available in the choice moreover. Shaping firms represent considerable authority in ventures is best of the objective. Subsequently, the majority of every business will be enormously impacted by these thoughts and plans.

The business focuses more on building infrastructures which will soon to be used as well as the development of commercial and mining trades. Industrial projects such as the construction firms are present in the selection also. Forming firms specialize in investments is top of the goal. Hence, almost all of the different business will be hugely influenced by all of these ideas and plans.

The financiers of these projects mostly come from international and they are completely aware of these business related concerns. Majority of them are very much willing funders. For as long as they think that everything will work out for the best, then there will never be a reason not to say yes.

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Find details about different project funding options and more info about a reputable company that provides project funding worldwide at http://www.aayinvestmentsgroup.com today.

Robert Jain: New Year's Resolutions That Help Your Finances

By Jason McDonald

As Robert Jain, as well as other minds in finance, can attest, some of the most common New Year's resolutions have to do with money. Whether it's a matter of saving money in general, building an emergency account, or what have you, resolutions are varied. What are some of the best that can help you with your finances? Here are just a few, in addition to ways that you can ensure that they're carried out.

According to reputable names in finance, Bob Jain included, it's worthwhile to build toward an emergency savings account. For those that don't know, this is designed to cover a variety of situations, whether it's a medical situation, sudden loss in employment, or any other case where compensation will be needed. It's important to start building this account as early as possible. By doing so, you will have a more sizable nest egg that can be used whenever it's needed.

Another way to go about establishing New Year's resolutions is by increasing your contributions to your retirement account. If you speak to an established agent, and continue to work full-time on a regular basis, eventually you'll reach your goal. However, by increasing your contributions, the goal in question will be obtained sooner. This goes a long way in your personal life, especially in the long term, so keep this in mind.

Next, focus on becoming healthier. While this may not seem like a financial resolution, on the surface, you have to consider the costs that are often associated with a healthy way of life. A gym membership, for instance, can eat away at your bank account. The losses are especially noticeable if you don't go to the gym often. There are other ways to stay healthy, such as home exercising and eating properly, that won't cost nearly as much.

Perhaps the best New Year's resolution that one can make, as far as finances are concerned, is by boosting their credit score. If you have been having trouble obtaining a loan or opening a new credit card, it's possible that a low score is to blame. You can improve this by making smarter purchases, only buying what you know you can afford. This will allow to pay more affordable monthly bills, which will go a long way in improving your score.

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For more information about finance in general, kindly consult Bobby Jain.. This article, Robert Jain: New Year's Resolutions That Help Your Finances is available for free reprint.

Get More Profit And Few Worries Through Joint Venture Project Funding

By Lisa Collins

Nowadays, with the jobs of working individuals are pressuring them the more, multitudes of individuals share the goal of putting up companies. Truly, this is ideal for humans since it enables humans to not be stressed out from forcing themselves to clock in endless shifts in their jobs enable to provide the wants and needs of their loved ones. However, humans will find it challenging in achieving this goal. Fortunately, Australia Joint venture project funding companies can aid individuals in achieving that goal.

Indeed, with the fluctuations of the economy, the business world has become very competitive. Also, with these fluctuations, establishing businesses will require huge funding for them to ensure that their businesses are offering products that are famous today, and offering services that are needed today. Therefore, if they establish a business by themselves, indeed, to make this dream become a reality will be much harder.

Thankfully, with the help of the aforementioned establishments, human beings can finally get rid of the stress factors from their work. These business establishments can help them in searching for the right people that are interested in projects that people are also interested in establishing. Therefore, they would end up in establishing a flourishing business since the business partners have the same passion for the business.

As obvious as this may sound, people have different talents. Therefore, people will able to have the talents that they lack through searching for the right business partner. Also, this will allow them to get discounts on the products that they need for their establishments since the other partner may be friends with the right vendors, and therefore, less funding is allocated on buying these products.

Furthermore, these associates are connected to individuals that can aid businesspeople in prospering their companies. Associate have unique individuals to talk to, and thus, acquire more aid in applying the idea marketing solution for their companies. The ideal marketing solution, after all, is the marketing solution that multitudes of customers finding the goods beneficial.

It goes without saying that a lot of variables are in existence to manage a store. Hence, an entity who is lacking a skill that can manage a variable without fail. However, if there is a collaboration in managing the store, allies can recognize, firstly, the variables that allies can manage without fail.

To acquire associates, individuals can, truly, be cost efficient. It is due to the fact that associates can expend little funds on the bigger ventures without quality products are being sacrificed. Furthermore, associates can mitigate the funds on applying the ideal marketing solution.

However, with the many establishments that can help them on the search for the best partners, they can also have a hard time in choosing the best. Thankfully, with the online search, they can get rid of the stress factors on that search.

With the comfort of their homes, they can search for these business establishments. Also, reviews are on the online pages of the establishments. Through the reviews, they can determine the best establishment since there are people that have reviewed the treatment given to them by the employees of the establishments.

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Get a summary of the things to consider before picking an Australia joint venture project funding company and more information about a reputable company at http://www.aayinvestmentsgroup.com now.

Things To Look For In Financial Advisors Wilmington DE

By Diane Allen

Those who are so busy and they have many things to attend to, should consider hiring a professional to help them plan their finances. However, you cannot just hire an expert blindly and then hope for the best. The best thing that an individual can do is consider the things that determine whether an advisor is worth their time or not. Here are tips to help you select Financial Advisors Wilmington DE.

First, check the status of the guys. Hiring someone who has a bad reputation is a blunder. You must make sure that you check whether the guys are reputable. The reputation of the experts tells you whether or not you will be happy with the services or not. If they have frustrated their clients, then there are high chances that they let you down as well.

The ability to converse well is another crucial trait you should not ignore. Any time you deal with experts who are not good at communication, be ready for inconveniences. Also, it is not easy to solve problems with a person if there is a communication barrier. On that note, make certain that you go for guys who have excellent communication skills.

A great advisor is the one who has great analytical skills. Judging the financial situation to determine what ought to be done requires an individual who can analyze things. That said, take your time to evaluate different guys until you are convinced that the individual can make the right judgment and help you make the right decisions.

Not everyone can work under pressure. Some folks will become so incompetent when you tell them to do something quickly. Also, some people tend to make a lot of blunders when they work under pressure. During the interview, let the individuals tell you whether they are capable of working when under pressure or short periods.

Organized professional does not make many mistakes. Actually, the reason many experts make mistakes is that they do their things in a disorganized manner. Thus, drop by and see whether they have a well-organized office. If you realize that the individuals can easily misplace files or keep the office unity, avoid bringing them into services or you will get disappointed.

Trustworthiness is always vital. Anything that involves dealing with money requires a high level of trust. You cannot tell a person with your secrets if you are not sure about whether they will be honest. That is why scrutinizing the experts is one of the most brilliant ideas you can ever have. Hence, be vigilant and know that making a mistake can make you regret in the long run.

To wrap up, select accessible individuals. People want to be assured that the individuals you bring into services will be available to assist them during their time of need. Thus, reliability is always a crucial thing to think about. The expert must always be online and ready to answer your phone calls.

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You can get a summary of the factors to consider when choosing financial advisors Wilmington DE area at http://www.somervilleinvestments.com right now.

How To Choose Investment Management Wilmington DE Company

By John Evans

People invest their financial resources in both liquid and permanent assets to expect the return on their investment. Investment management Wilmington DE do the business of managing the ready investments within a given portfolio for clients. You might have been in the business of looking for areas to invest and have acquired necessary investments so far. The need to manage your assets might have come due to the lack of expertise that is necessary to make them continue bringing the returns. You can transfer the responsibility of running the portfolio to a firm or person. But doing it is a delicate process that requires the consideration of the following things.

Always seek competent and experienced companies. The complex issues that your situation may present should get proper tacking to ensure that professional remedies are available. Someone that has the expertise and experience in handling such issues is the best to hire. Get the details about any complexities that they handled before to gauge their competencies and experience.

The price charged may not be of much importance. The cost of their services will greatly vary. It pays to understand the charges, but do not depend much on them to make the decisions. Go for those that may even charge highly but offers reliable services. Know also the mode of payment that they accept.

Go through all the credentials. The documents available are necessary to determine the kind of firm you are hiring. Those that have the right license and certification and other supporting documents are the best to go for. Take your time and go through all the credentials to determine the expertise and qualifications the expert has.

Consider its durability. Hire a firm that is going to be in operation indefinitely. The going concern principle should be in the application which implies that the entity will operate with no end in the vicinity. Look at the succession plan to get the confidence that it will be present to continue offering the services even after your retirement.

Check on its previous performance. The performance of an entity can tell about its ability to manage your wealth for a long time. Have one that has a proven track record in terms of performance. Such a firm should also give a list of references to attest to the ability that it has to manage investments for clients.

Check on its network with professions and access to resources. A company that has wide sources of resources will be capable of handling your financial resources. Such people find opportunities to enable them to diversify the portfolio. The availability of a pool of certified accountants, legal personnel and other professionals is equally helpful.

Over the life of your investments, there might be high expectations that they will give the required return and grow your wealth. Putting the management of such portfolios in the hands of another person is not an easy decision. The risks are high, and the benefits might not be clear. It pays, therefore, to be keen about who to give the responsibility to manage the portfolio. The above tips are essential and can help get the right firms that offer such services.

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Get a summary of the things to consider before choosing an investment management Wilmington DE firm and more information about a reputable firm at http://www.somervilleinvestments.com now.

Important Reddit Gold Details Shared By Long Island Advertising Experts

By Arthur Williams

With a moniker as established as "the front page of the Internet," it should come as no surprise that Reddit is one of the most widely-used social platforms in the world today. Users from around the world log onto the site in question to get involved in discussions among various subreddits, with topics like gaming, technology, and food included. Did you know that you can get even more out of Reddit beyond the basics, though? This brings us to the topic of Reddit gold, which Long Island advertising agencies can tell you about.

According to fishbat, as well as other marketing firms, Reddit Gold was introduced in 2010. It acts as a membership program, which users can pay for, that will allow them to use premium features that other users lack access to. One of the most noteworthy is the ability to disable ads, which can make for a better user experience. While Gold can be purchased on the site, it can be given and received in other ways, too.

One of the unique features of Reddit Gold is its ability to be gifted to other users. This is often done as a response to posts that provide value, whether it in regard to information, comedic value, or what have you. A user can send another user Gold, which can then be used to access features like the ones discussed earlier. Not only does this provide further incentive to invest in the service, but it can create positive communication on the platform as well.

Going back to features, however, what else do Reddit Gold members have to benefit from aside from different layouts and the omission of ads? One of the biggest benefits is the ability to beta test upcoming features. What this does is allow you to stay up-to-date on the most recent developments that this site has to offer. You can also provide your own feedback, which can, to some degree, allow you to determine how Reddit changes in the future.

Now that you know a bit about Reddit Gold, you might be debating with the idea of its worth to you. In other words, should you invest in this service? It might be worth doing if, for example, you're a frequent Redditor. Maybe you regularly log in and post, but feel like there are certain shortcomings that, if removed, could make your experience on the site better. In this situation, it would make perfect sense to buy Gold, even if it's only for a short length of time.

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To discover more regarding Reddit and other social media channels, visit fishbat now.. Check here for free reprint license: Important Reddit Gold Details Shared By Long Island Advertising Experts.

Tips Concerning Financial Planner Wilmington DE

By Michelle Powell

For many years, people have been working without saving the money they earn. In most cases, folks misuse the resources they get and end up living a poor life. However, professionals in financial institutions advise people to save money and plan for the monetary well. People who manage their finances properly end up living a comfortable life at an advanced age. Thus, people who lack knowledge in managing their fiscals should ensure that they get help from monetary advisers. In these guidelines, folks can realize helpful content about financial planner Wilmington DE.

Some people wonder how they can get the best professionals to plan for their finances. However, they have to consider some things if they want to come up with the best planners. In this case, it is important to do some digging and know whether your family is satisfied with the planners you want to hire. You can contact friends or the association of monetary planners to ensure that you get the best specialist in this sector.

The issue of the fee required by fiscal advisers should get determined before they begin assisting clients. People who seek this help should ensure that they get the most affordable professionals to handle this work. Besides, clients need to understand the terms of engagement before they sign contracts with the specialists. Resultantly, folks can manage to save and plan for their resources wisely.

Also, it becomes vital to discuss the available products with the fiscal planners. Sometimes, the professionals might opt to assist clients, but they cannot succeed due to lack of clear information. In case you want to manage your company excellently, it proves essential to list all the products that the firm has and allow the experts to make good plans for your business.

In most cases, people do not know how to plan for their monies. Besides, they forget to care for their loved ones. However, the best fiscal planners should guide clients and advise them to make future plans for their children. For instance, they should save school fees, buy parcels of land, and invest in long-term schemes. As a result, folks can maintain financial strength and live happily.

Some professionals assist people without permission from the government. Before you deal with fiscal planners, confirm that they are certified operators. Additionally, they should have a permit from the regional government so that they can assist people according to the law. Avoid fake operators in this sector because they might mislead you or defraud you.

In most instances, people hire experts without looking at their abilities. If an individual wants to get assistance in financial planning, the client has to look for competent experts. That means the specialists must have assisted many clients successfully in the past, besides, they can use the knowledge they possess to assist other people.

Many people have struggled to plan for their resources in the past decades. However, folks can hire competent financial planners to assist them in managing their resources. In this article, people can learn how to get the best fiscal advisers as well as use their assets properly.

About the Author:

You can get valuable tips for choosing a financial planner Wilmington DE area and more information about an experienced planner at http://www.somervilleinvestments.com/financial-planning now.