The 4 Things About Moving Overseas Nobody Tells You About
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There are many benefits from moving overseas and rediscovering yourself in a new country, and just as there are many benefits there are a few downsides to be aware of. Retiring overseas takes a great deal of planning, and even then, there are unforeseen challenges you may encounter.
The more aware you are, the better prepared you can be to face these downsides in your new life abroad. We are here to help. These are four things not often spoken about when moving abroad.
0:56 You won't know all the pros and cons of any destination
5:57 You need to create a capital budget for making the move
8:36 Expect the panic stage
11:49 Your loved ones may not understand your decision
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Overseas Retirement Mistakes You Will Regret Forever
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☆★☆ ????????????’???? ???????????? ???????? ???????????????? $$$ ???????????????????????? ???????????????? ???????????????? ???????????????????? ????????????????????????☆★☆
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‼️???????????????????????????????????? ????????????????????????????????????????‼️: While we have done our best to share our gathered data with you, we are not responsible for any errors or omissions, or for the results obtained using this information. All information is provided “AS-IS,” with no guarantee of completeness, accuracy, timeliness, or for the results obtained using this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose. In no event will we be liable to you or anyone else for any decision made or action taken in reliance on the information for any consequential, special or similar damages. Any reliance on the information in our videos or the comments below is strictly at your own risk. Instead, you should consult with legal, medical, financial, tax, and/or other such appropriate professionals familiar with your unique and detailed factual situation before taking any actions.
‼️???????????????? ???????? ???????????????????????? ????????????????????????????????????????‼️: Our cost of living estimates include only the cheapest food, rent, and local transportation. It does not include medical insurance or any other expenses. Before moving here, you must do a temporary exploratory site visit in order to accurately calculate your personal cost of living here for all costs for your lifestyle and needs. Plus, make sure you have access to significant additional savings in case you face an emergency.
꧁ ???????????????????????????????? ???????????????????? ꧂ ???????? ???????????? ???????????????????????????? ???????????????????????????? ???????????? ????????????????????????????????????????????????????????.????????????
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☆ ???????????????????????????????? ???????????????? ☆ :
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✩★☆ ???????????????????????????? ???????????????? ???????????????????? ???? (????????) ????????????????????☆★✩
How to Retire Early | Retirement Advice from Our Financial Advisors
In today's video, we asked our financial advisors, Erik and Julia, what the biggest retirement planning mistakes their clients make that impact their ability on how to retire early. They discuss things like your retirement fund, HSA accounts, 3 bucket strategy and more. Our hope is that this retirement advice from our financial advisors will help others to retire early, travel more and live their best retirement lives.
⭐️ ???? Click this link to check out URS Advisory:
▶️ We started our channel to inspire and share our world travel lifestyle, adventures, and optimistic outlook on life with others. After completing a two-year journey in our Airstream to see all 50 states and 51 National Parks, we left to travel abroad. We have downsized our possessions and sold our home so that we can wander about with only the things in our backpacks.
We love living on the road, traveling each week to a new location. We plan to travel extensively to every part of the world. Ours is not a slow travel lifestyle but rather a vagabondish one. The goal is not to check a country off a list, but to experience it by meeting new people, seeing how others live, and making new friends. We believe in laughing, loving, and living our lives to the fullest.
We are working hard to build a beautiful website where you can get travel information about the places we have been. In addition, we post blog articles to help you travel better. Our channel is a way of augmenting that effort, so sometimes we post videos about how to travel or a vlog showing our lives on the road as we do an activity or an adventure. We also post Shorts, so check those out, too. We hope to entertain you, but most importantly, we want to inspire you and give you the confidence to plan your own adventure around the world.
Video # 108
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10 Best Places to Retire in 2024 (Visas, Residency, Healthcare, Taxes)
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What are the best places to retire in the world? International Living released its annual retirement index for 2024 with the top 10 best places to live abroad as a retiree. But nowhere is perfect so in this video I share with you the pros and cons to each destination. Plus, info about healthcare, taxes, cost of living, residency, visas, and more. Have questions? Comment below this video.
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1 The Top 10 Best Places to Retire in the World
2 Cost of Living in Costa Rica
3 Why Expats Leave Costa Rica
4 Moving from the USA to Europe
5 The Best Countries for Americans to Live Abroad
6 The Best Places to Live on $1,000 per Month
???? Subscribe to my weekly travel and living abroad podcast:
Chapters:
00:00 - Intro
00:49 10 - Colombia Pros & Cons
2:06 Colombia Retirement Visa & Taxes
2:54 9 - France Pros, Cons, & Healthcare
5:54 France Residence Permit & Taxes
6:22 Learn a Language with Rosetta Stone (Ad)
7:54 8 - Malaysia Pros, Cons, Costs, & Healthcare
9:36 Malaysia My 2nd Home Program
10:30 7 - Greece Pros, Cons & Healthcare
12:51 Greek Residency & Golden Visa
13:57 6 - Ecuador Pros, Cons, & Costs
16:16 Ecuador Retiree Visa & Taxes
16:56 5 - Spain Pros & Cons
20:08 Spain Non-Lucrative & Golden Visas
20:53 4 - Panama Pros & Cons
22:57 Panama Pensionado Visa & Healthcare
23:38 3 - Mexico Pros, Cons, & Healthcare
27:37 Mexico Permanent Residency & Taxes
28:48 2 - Living in Portugal Benefits
29:53 Portugal Challenges & Controversy
32:20 Portugal D7 Visa & Taxes
33:50 1 - Costa Rica Benefits & Healthcare
36:52 Costs & Crime in Costa Rica
38:30 Costa Rica Visa Options
39:06 Additional Countries (Underrated)
Source - International Living's Annual Global Retirement Index:
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????????♀️ About: Kristin Wilson is the author of Digital Nomads For Dummies, the host of Badass Digital Nomads Podcast, and known as Traveling with Kristin on YouTube. She's traveled to more than 60 countries and has been helping people move overseas since 2005.
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Disclaimer: This video was produced in partnership with @RosettaStone This video is for entertainment purposes only and should not be considered travel, tax, financial, investment, or any kind of professional advice. Video descriptions may contain affiliate or refer-a-friend links for products I use and recommend. Thanks for supporting the channel!
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#bestplacestoretire #bestplacestolive #retirement #rosettastone #rosettastonepartner
She Retired At 43 To Travel The World
Are you ready to retire early and travel the world? Today you're going to learn the incredible and inspiring story of one woman who did!
Meet Bonnie Truax - she retired at 43 years old to travel the world with her husband Trin. She DID NOT come from a wealthy family, DID NOT walk into a six-figure job straight out of college, but DID make her fair share of financial mistakes early on.
This couple lived frugally on only 25% of their income for many years, putting the rest into savings, which they eventually had enough of to buy real estate. They now live off the rental income of their investment properties and travel the world having adventures the rest of us can only dream about. (No joke - she just got back from Antartica!)
This is a story of delayed gratification, financial freedom, and world travel. This is a must watch video for any young couples planning their financial futures.
Share this video with your friends who would love to retire early and travel, but think that they've got to either be born rich or become high earners to make that happen. Bonnie and Trin prove otherwise.
You can learn more about Bonnie & Trin's story over at
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8 Reasons Why Americans LEAVE Costa Rica [Why I Left]
The TRUTH about living in Costa Rica: Why do so many Americans leave Costa Rica after moving there? In this video, I explain what causes expats to change their minds about retiring abroad and why I left Costa Rica after 8 years. Some of the initial reasons that people want to move to Costa Rica include the moderate climate, laid back lifestyle, fresh and healthy food, friendly people, beaches, medical tourism, and the low cost of living. But is Costa Rica really a safe and friendly country or is it actually dangerous and expensive? Once they arrive, many people realize that living in Costa Rica wasn't quite what they expected. Unfortunately, that results in people returning home quite soon after arriving.
After helping more than 500 foreigners move to Costa Rica and living there for eight years, this video explains the top reasons why people move back to the USA and why I left, too, so that you know more about what to expect BEFORE you get there. This is the real and sometimes dark truth about living in Costa Rica. What do you think are the biggest pros and cons of living in Costa Rica? Let us know in the comments.
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TIMESTAMPS:
00:00 Introduction
00:32 How many Americans live in Costa Rica?
00:53 Why people retire in Costa Rica then leave
1:03 #1 High Cost of Living
3:30 #2 Inability to Adjust to the Culture
5:45 #3 Unrealistic Expectations versus Reality
6:45 #4 Healthcare and Health Problems
7:10 #5 Missing Family and Homesickness
8:20 #6 Crime Rate - Is it Dangerous or Safe?
10:58 #7 Negativity from Other Expats
11:53 #8 Misc Things: Infrastructure, extreme weather, and too much Pura Vida
15:04 Why people stay in Costa Rica forever
15:38 Why I left Costa Rica to become a digital nomad
18:15 Why I don't regret moving to Costa Rica
18:50 Conclusion
Related videos:
* Playlist: What It's Like Living Abroad as an Expat:
* The Best Things About Living Abroad:
* What I Dislike About Living Abroad:
* Costa Rica for Digital Nomads:
* Nosara, Costa Rica Treehouse Tour:
* Tamarindo, Costa Rica House Tour:
* Costa Rica Travel Tips by my friend, Alex the Vagabond:
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????????♀️ About: Kristin Wilson is a digital nomad, online entrepreneur, and expat relocation consultant who has lived, worked, or traveled in 60 countries over the last 15+ years. In the past decade, she has helped 1,000's of people move abroad or travel full-time while working remotely.
Kristin is also a writer, public speaker, podcaster, and TV host who has been featured on The Today Show, HGTV's House Hunters International, Huffpost, Bloomberg Businessweek, The New York Times, Business Insider, ESPN, and more.
WORK WITH ME!
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NOTE: This video is for informational and entertainment purposes only and is not individual consulting or advice. Please consult the relevant authorities such as your local government, airline, embassy, consulate, and/or tourism providers before booking international travel, moving abroad, or applying for a work permit or work and travel visa.
#costarica #livingincostarica #whyileft
Replay - Live Q&A session - Moving to France - 16th of April
Join Fabien from Fab French Insurance as he leads an engaging Q&A session, unraveling the intricacies of relocating to France. Get ready to have all your questions answered, spanning from various corners of the globe including the US, Canada, UK, New Zealand, and beyond.
Book a consultation with Fabien:
Or visit our Fabulous website:
Why most people do not retire cheap overseas
☆★☆ Our webpage with ???????????????????????????????????????????? ???????????????????????????????? ???????? ???????????? ???????????????????? ????????????????????☆★☆
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☆★☆ ????????????’???? ???????????? ???????? ???????????????? $$$ ???????????????????????? ???????????????? ???????????????? ???????????????????? ????????????????????????☆★☆
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???? ???????????????????????????? ????????????????????????????:
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‼️???????????????????????????????????? ????????????????????????????????????????‼️: While we have done our best to share our gathered data with you, we are not responsible for any errors or omissions, or for the results obtained using this information. All information is provided “AS-IS,” with no guarantee of completeness, accuracy, timeliness, or for the results obtained using this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability, and fitness for a particular purpose. In no event will we be liable to you or anyone else for any decision made or action taken in reliance on the information for any consequential, special or similar damages. Any reliance on the information in our videos or the comments below is strictly at your own risk. Instead, you should consult with legal, medical, financial, tax, and/or other such appropriate professionals familiar with your unique and detailed factual situation before taking any actions.
‼️???????????????? ???????? ???????????????????????? ????????????????????????????????????????‼️: Our cost of living estimates include only the cheapest food, rent, and local transportation. It does not include medical insurance or any other expenses. Before moving here, you must do a temporary exploratory site visit in order to accurately calculate your personal cost of living here for all costs for your lifestyle and needs. Plus, make sure you have access to significant additional savings in case you face an emergency.
꧁ ???????????????????????????????? ???????????????????? ꧂ ???????? ???????????? ???????????????????????????? ???????????????????????????? ???????????? ????????????????????????????????????????????????????????.????????????
☆★☆ ???????????????????????? ???????? ☆★☆
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☆ ???????????????????????????????? ???????????????? ☆ :
☆ ???? ???????????????????????????? ???????????? ☆ :
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✩★☆ ???????????????????????????? ???????????????? ???????????????????? ???? (????????) ????????????????????☆★✩
The 7 Healthiest Places To Retire Overseas
Discover The 10 Best Places To Retire by joining our Free e-letter ???? ???? ???? ????
Health is a key consideration when shopping the world map for the ideal place to reinvent your life overseas.
Where specifically should you consider if access to health care is a number-one concern?
The following countries stand out in this context thanks to the quality and availability of their health care systems and the healthful benefits of their lifestyles and cuisines.
0:39 Portugal
1:27 Greece
2:10 Italy
2:51 Cyprus
3:32 France
4:11 Thailand
4:49 Turkey
#HealthyPlacesToRetire
How I view the US after 12 years living abroad
I have been living abroad for 12 years and a lot has changed in the US during that time. In this video, I will talk about some of the biggest changes I have noticed and how my views have changed on these issues. Have you noticed these changes? What other things do have you noticed changing in the US? Leave a comment and let me know.
We would love it if you subscribe to our channel:
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Isn’t there a Social Security penalty for retiring overseas?
Eighth podcast episode by Kathleen Peddicord and Lief Simon––Podcast From Paris
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Join our Overseas Living Clubhouse at
Here are the question addressed in today's episode:
Mike B., from the United States asks:
We are planning a move out of the United States, possibly to Belize. Our retirement will come from pension plans in the United States. If we receive our checks in Belize, we understand that we still will have to pay federal taxes. However, there is no domicile state that can collect taxes. So doesn’t that amount to a tax break? Or am I missing something?
Jeff F. from the United States asks:
Isn’t there a Social Security penalty for retiring overseas? Many in my wife’s family believe so. They say they would get only two-thirds or three-fourths of their checks if the Social Security Administration knew they retired to Mexico.
Gary C. from the United States asks:
Kathleen, thank you for all of your information. I love reading your dispatches and also am enjoying your podcasts.
I know that some income earned overseas can be excluded from my U.S. tax return, but what about an Internet business where income is derived from many different countries?
In other words, if we move to Panama to run our business, is the income excluded regardless where it comes from, even if it comes from the United States.
Mark T. from the United States asks:
If I move overseas, could I ever return to the United States?
Age gap in the Philippines (How old is too old?) street interviews
Asked women in the Philippines what's the oldest guy they'd date.
If you need travel insurance. Here is my only Youtube Partner. I highly recommend Safety Wing, I've been using them for 3 years. Very affordable and you can cancel anytime.
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#philippines #thephilippines
Social Security PENALTY For Moving Overseas?!
Discover The 10 Best Places To Retire by joining our Free e-letter ???? ???? ???? ????
Isn’t there a Social Security penalty for retiring overseas?
Here is the truth.
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Best Places to Retire in Spain
Spain promises expats sunny weather, European sophistication, and first-world infrastructure at an affordable price. Although Mediterranean resorts are a popular choice, Spain is a big, diverse country with many different types of terrain, climate, and lifestyles. It has something for everyone.
Marsha Scarbrough, IL Spain Correspondent, looks at the best place to retire in Spain.
Learn more about these cities on our website:
Madrid:
Barcelona:
Alicante:
Malaga:
Valencia:
LET'S CONNECT
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3 Habits that Allowed Us to Retire PLUS 8 Cities to Live on Less than $1500 | Move Abroad
These are the 3 habits we adopted that allowed us to retire more quickly. For those who cannot wait we will conclude with 5 exotic cities to live in for less than $1500 per month.
???? Beyond the Bling: MONEY MINDSET MAKEOVER FOR FI Online Course: BeyondTheBling.com
????️ Move Abroad Toolkit:
Book a 1:1 Consultation: Book a Call with Halisi & Ric:
MeetUp mailing list for more information:
THE $1500 OR LESS LIST
Europe - 1 bedroom city center
Split, Croatia
$1,288.79 TOTAL
housing=$797
food=$221
Other=$271
Pollution - B
Crime - B
Freedom Scores - Free
LGBTQ= only somewhat accepting
Racial = non-discriminatory
Coimbra, Portugal
$1306.90 TOTAL
housing=$902
food=$158
Other=$247
Polution - B
Crime - A-
Freedom Scores - Free
LGBTQ= accepting
Racial = non discriminatory
South America - 1 bedroom city center
Medellin, Colombia
$728.95 - TOTAL
housing=$464
food=$130
Other=$135
Pollution - ‘D’
Crime - ‘C’
Freedom Scores - Partially Free
LGBTQ= somewhat accepting
Racial = very low racial disc.
Cuenca, Ecuador
$974.91 - TOTAL
housing=$604
food=$199
Other=$171
Pollution - B-
Crime - B-
Freedom Scores - Partially Free
LGBTQ= accepting
Racial - somewhat discriminatory
ASIA - 1 bedroom city center
Busan, South Korea
$ 1322.18 TOTAL
housing=$730.81
food=$337
Other=$254.52
Pollution - C-
Crime - A-
Freedom Scores - Free
LGBTQ= not at all accepting
Racial = discriminatory
Phuket, Thailand
$ 1051.28 TOTAL
housing=$623
food=$209
Other=$218
Pollution - C
Crime - B-
Freedom Scores - Not Free
LGBTQ= not at all accepting
Racial = discriminatory
Africa - 1 bedroom city center
Accra, Ghana
$1422.97 TOTAL
housing=$1096
food=$150
Other=$176
Pollution - F
Crime - B-
Freedom Scores - Not Free
LGBTQ= not at all accepting
Racial = inclusive
Kigali, Rwanda
$1076.05 TOTAL
housing=$747.91
food=$176
Other=$152
Pollution - B-
Crime - A-
Freedom Scores - Not Free
LGBTQ= not at all accepting
Racial = inclusive
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*Ready to Retire Toolkit
*Investing FAQs, the basics
*Budget Travel Tips
*Scouting Trip Checklist
F.I.R.E. over 50 Facebook Group for folks of the Diaspora:
Links to resources:
????Get on the wait list:
MASTER CLASS - Real Estate Investing for Financial Independence -
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????????ALL THINGS PORTUGAL ????????
D7 Apartment Finder - Rossini - Lisbon House Finder:
Get Your Portuguese NIF & Bank Account from the US:
Relocate to Portugal -
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????OUR BOOKSHELF ????
CASHING OUT: win the wealth game by walking away:
Get Good with Money: Ten Simple Steps to Becoming Financially Whole:
The Life-Changing Magic of Tidying Up:
Choose FI:
Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't:
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✈️TRAVEL & MOVING ABROAD ????
70% off the first 1 on 1 language lesson - starts at $4/hour:
Luggage/Deployment Bags we used:
Ship Your Luggage:
Trusted HouseSitters:
Google FI cell service for travelers:
(if you often travel, get a local SIM within a day or two of when you land)
Nord VPN - keep your data safe while surfing around the world:
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We are not financial advisors, but financial educators. The content in our courses, on our website, and on our YouTube videos are for educational purposes only and merely cites our own personal opinions. In order to make the best financial decision that suits your needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary.
00:00:00 Introduction
00:20:29 8 int'l cities for $1500 mos
00:32:22 Summary & Q&A
6 Things Will kick You Out of THAILAND | Check Before You Arrive To The Airport #livelovethailand
6 Things Will kick You Out of THAILAND | Check Before You Arrive To The Airport #livelovethailand
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OUR CAMERA GEAR
• DJI OSMO ACTION
• DJI OSMO Pocket 2
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• Tripod
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About me:
I am a graphic designer, Travel Vlogger & Photographer. I travel a lot & make videos about everything I experience from my flights, food, social life, culture nightlife and much more
I love coffee.
I have been inspired by Thailand and its culture, the food and the lovely people. I have been making videos and vlogs since 2012 and improving my filming abilities as a vlogger by using more advanced gears and techniques.
Now YouTube is part of my life and hope it will always be.
Thank you for all your support.
“Dream your life & live your Dream “
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10 Best Countries To Retire Comfortably | Live & Retire Abroad
Where to retire? Here is our pick of the 10 best countries to retire comfortably. If you're wondering where to live out your retirement, consider these 10 best countries to retire comfortably. There are white-sand beaches and Old World culture for those who want a grand adventure. Or if modern amenities are more up your alley, there is an endless array of options ranging from mountain living to ultra-modern metropolises with all the conveniences of home! There are many reasons why people want to become an expat. Whether it's because they've lived in the same country their whole life and need a change of scenery, or if they would prefer living somewhere else that has better weather year-round, more options for careers abroad, or any other reason--it may be worth looking into what this entails before making your final decision! We hope this video encourages you to take the first step to become an expat. Please check our channel and learn more about becoming an expat and the fantastic lifestyle you can enjoy. Thanks for watching the 10 best countries to retire comfortably and have a fabulous day.
❤️❤️❤️❤️❤️
Best Countries to Find A Wife
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The #1 Trusted VPN - Watch Netflix, Hulu, Amazon Prime and unlock access. Take your privacy and security serious! Check this out!
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This helps support the channel and allows us to continue to make videos like this. Thank you for the support!
Secrets to Banking Abroad for Expats & Digital Nomads
Join us today as we teach you the Secrets to Banking Abroad for Expats & Digital Nomads. We are Warren & Julie Slow Travel Early Retirement Nomad Expats who have been living overseas for over four years! Join us as we discuss money and banking overseas, how to avoid ATM tricks, the best travel credit cards that will help you avoid foreign transaction fees, the must have travel debit card and how to transfer money abroad. In this video, we use our slow travel expat lifestyle experience from the past four years of our early retirement life to cover everything you need to know about travel credit cards, ATM tips, banking abroad in Europe, transferring funds internationally and the importance of using a VPN while living or traveling abroad as well as banking overseas.
Are you wondering how to effectively manage your finances while living overseas as an expat or nomad, or slow travel retirement traveler? From navigating the best travel credit card options to understanding how to keep your online banking secure internationally, we've got you covered. We'll also delve into how to save money at ATMs worldwide by avoiding ATM scams or wording that is deceiving to overcharge you, avoid foreign transaction fees, and minimize foreign currency exchange fees / foreign currency conversion fees. foreign conversion fees / foreign exchange fees can add up to a 15%+.
As proponents of the FIRE movement (Financial Independence, Retire Early), we'll share our insights on achieving early retirement overseas. Whether you're a seasoned expat, a digital nomad, or an early retiree with an investment portfolio or a retiree living on a social security budget looking to explore the world, this guide will provide you with valuable tips on banking and managing money abroad.
Discover why getting a Wise international account is essential for simplifying your financial transactions while living or traveling outside your home country. You can send, spend and receive money in more than 40 currencies and there is no need to open an offshore bank account.
Join us as we equip you with the knowledge and tools you need to confidently manage your money overseas with our international travel money tips. Let's embark on a journey towards financial freedom and early retirement together!
We're celebrating four years as Early Retirement Travelers, Nomads, Expats, Slow Travelers etc. We have learned and been through a lot during our travels, and we've been spending less than we expected. We are early retirement travelers, doing slow travel across Europe with our dogs. We started our adventure in March of 2020 in Ecuador. We consider ourselves the first retirement travel channel vlog sharing travel hacks, cost of living, and what it’s like to actually live somewhere. We are “Warren & Julie Travel Nomad Expats” Thinking of retiring early and traveling the world? This video shares lessons from our four years of slow travel, from budgeting to finding the best destinations. Learn from our experiences as slow travelers and get ready for an unforgettable retirement adventure. Thanks for watching the video! Don't forget to subscribe to our channel for more helpful tips and information for expats.
Visit:
International Health Coverage:
Chase Sapphire:
Surf Shark VPN:
Wise:
International Medical Plans for Expats, Nomads, Students, Missionaries, Groups and Employers.
Warren will make a commission if you use this link for International Medical Plans with
IMGlobal:
Safetywing:
Cigna Global:
If you wish to contact us email: warrenjulietravel@gmail.com
Instagram: warren_julie_travel
Join our Facebook Group at:
#wise #moneymanagementtips #worldtravel #moneyandbanking #travelingabroad #foreigncurrency #traveleurope #earlyretirement #atmscams #retirementtravel #savingmoney #slowtravel #expatlife #montenegrotravel #livingabroad
The Joys of Early Retirement: How to, Why and How we did it
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The average American hasn’t saved nearly enough for a comfortable retirement Stateside. Conventional wisdom says: Work longer, save more, and lower your expectations for retirement.
But in the right places overseas, you don't have to do any of that. If you slash your cost of living by half (or more)—you can retire years earlier than you expected. And most folks who’ve done it say they live better than they ever did back home.
An example is Terry Coles and her husband, Clyde who, in 2011, set off from Texas to enjoy an early retirement in Panama.
Read their full story here:
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Footage: Clyde Coles and iStock.com.