Hobby Income
Federal Perkins Student Loans
Income Statistics
Corporate Income
Income Equity
First Time Home Stimulus Plan Extended
What was the Mortgage Assets Purchases Plan
Some Stimulus Plan Measures Extended
Stimulus Package Breakdown of Tax Relief
Lets Check If Stimulus Created New Jobs
Deed of Trust in Mortgage Contract
Spending Breakdown of the Economic Stimulus Plan
COBRA Stimulus Package Plan
Annual Income Explained
Stimulus Package Weatherization Assistance Program
American Recovery and Reinvestment Act of 2009
250$ Social Security Stimulus Check in 2010
Income Funds as a Mutuals Fund
Reservation Price
Tax Relief for Individual and Families
Individual Income Tax Return 1040
Different Income Assitance Programs
BroadBand Stimulus Money to help Internet Distribution
More than a Stimulus Check
Average Income
Distortion
How Credit Score Works
Avail a No Collateral Loan
Federal Housing Tax Credit
Tax Rebate for First Time Home Buyer
Stimulus schedule for check
Fiscal Stimulus should Continue in 2010
Taxable To Tax Free Income
Insurance Plan
Lawyers and Advocate
Income Property
HardLanding
Household Income Budgeting
Trust Income
Mortgage Insurance
Collateralized Mortgage Obligation
Mortgage Calculators
Median Household Income
Internet Income
Separation of Powers
Life Annuity
FHA Mortgage Loan
Life Insurance Explained
How Home Mortgage Interest Deduction Works
Making Home Affordable Plan
Obama Loan Modification Stimulus Plan
Business Tax Write Offs
Zero Down Mortgage
Mortgage Home Loan
2010 Stimulus check
Bad Credit Mortgage
2010 Tax Returns
Subprime Mortgage
2010 Income Tax
2010 Tax Rates
2010 Tax Rebate
2010 tax calculator
2010 Mortgage Stimulus
2010 Income Bracket
Insurer’s Business Model
Extensive Growth
Commercial Mortgage
Chrysargyron
Absorption
Aggregation Problem
Mortgage Loan
Line Of Credit
Home Equity
Annuity
Amortization
Capital Levy
Disposal Tax Effect
MicroEconomics
MacroEconomics
Basic Income
Comprehensive Income
Net Income
Income Redistribution
Optimal Tax Theory
Supply and Demand
Tax Deferral
Marginal Tax Rate
Income Effect
Dividend Stripping
2nd stimulus check
Wealth redistribution
Purchasing Power Parity
Inflation
Income Disparity
Gross Domestic Product
Fiscal Policy
Expenditure Cascades
Economic Inequality
Equity
Deflation
Deficit Spending
Balance of Trade
World Income
Transfer Tax
Taxation Ethics
Tax Purposes
Tax Burden
Retirement Tax
Regressive Taxation
Proportional Taxation
Passive Income
Income Splitting
Dividend Tax
Consumption Tax
Corporate Tax
Excise Tax
Green Tax
Poll tax
Property Tax
Tax History
Tax Deduction
Income Tax
Capital Gain
Tax Credits
USA Tax
Progressive Taxation
Tax system essentials
Direct Tax
Taxation Canons
2009 Tax Rebate
Home Buyers Stimulus Refund
2009 stimulus package
Stimulus Rebate
Tax Break
Hobby income comprises of that income which has been obtained by a person from such activities that are considered to be the hobbies. The hobby income may be obtained by the person by selling out such items like lemonade,...
A type of loan that is being used by the student based on their needs are being offered by the Department of Education in the United States, are known as Federal Perkins loan or even Perkins loan. The entire goal of Federal...
The income statistics of a national level which is popularly known as the National Income Accounts or NIAs are the basic comprehensive statistics which are analyzed in macroeconimis terms. In the early twentieth century there...
The profits that are being made by the various different companies and associations are known as their corporate income. There are some taxes that are being imposed on the corporate income. And these taxes are being levied...
Income equity is the dividend income which is being earned by an individual while they invest the money in the stocks. Income equity is a type of mutual fund which invests their money in those companies which are of top-quality....
Owning a home became totally out of the question for many people who were affected by the economic downturn. The cost of the house plus taxes made this an unachievable project for many families. Since having ones home is...
The subprime mortgage crisis not only devastated the US economy but also caused an economic downturn throughout the world. A bailout plan was considered for this crisis and eventually was enacted as the Emergency Economic...
The Stimulus Plan came into effect as a law in February 2009 and came to be known as the American Recovery and Reinvestment Act of 2009. Most of the measures and tax reliefs provided by the Act was for a period of one to...
The Stimulus Package was brought into force, after it got a majority vote in the House and Senate. This stimulus plan proposed by President Obama is geared to boost the economy and give relief to people who are struggling...
It is true that the stimulus package worth $787 billion was aimed to create millions of jobs. United States has been recognized and identified as a country where there is plenty of scope for quick jobs and is a place for...
Deed of Trust or Trust Deed in real estate comprises of a document where a trustee holds specific financial interest in the title to the real estate property, which is used as a security to acquire loan. The monetary claim...
The economic downturn has had a devastating effect on the economies of the world. In February 2009 President Obama, in order to curb the ill-effects of this downturn and boost the US economy came up with a stimulus plan which...
COBRA or Consolidated Omnibus Budget Reconciliation Act is a law which was passed in 1985 to help people who are unemployed to carry on with their health insurance. When the individual is working, the premium for his health...
The income you earn per year is termed as annual income. To calculate your monthly earnings you should divide it by 12. So it is the criterion by which you get to know how much you earn on a yearly, monthly, weekly or daily...
Many of us would like to save our electricity bills, telephone bills and consumption of cooking gas. Because the more we save on our bills, the better it is for us. So, at this point weatherization assistance program assists...
The American Recovery and Reinvestment Act of 2009, also abbreviated as ARRA is enacted by United States Congress in February 2009. There are other enactments which are Economic Stimulus Act 2008, Emergency Stabilisation...
The US government is taking every measure to revive the economy and bring it out of the recession. President Obama has said that there will be a Social Security Stimulus Check in 2010 for $250. However, the final decision...
Income fund is a type of mutual fund that is structured to provide maximum income. This income fund in order to maximize income selects investments that offer interests or dividends. Some of these investments include preferred...
Reservation price or reserve price in microeconomics is the maximum or the highest price a buyer is willing to pay for a service or good. In the same way it is also the lowest or minimum price a seller is willing to sell...
The new tax relief for individuals and families states that there would be a refundable tax credit up to $ 400 for working individuals and up to $ 800 for working families. The tax credit is calculated @ 6.2 percent on earned...
The social security benefits are non-taxable and especially those who are retired and receive pension benefits, such elderly people do not have to file an income tax return. Further those who have disability are also entitled...
Many people and families across the world suffer from various burning issues like unemployment, lack of education or job skills to acquire a job, low income, suffer from substance abuse and disability. Those people who undergo...
Internet broadband distribution is a billion dollar project for the present and for the future. This is because every common man and wealthy businesses are approaching Internet with a plan to derive benefit from Internet....
With the changes in the global economy, a lot sure has changed. These changes were a needed part to avert the succumbing trend of the financial aspect of many American’s lives. The good that the 2009 stimulus package has...
Generally average or central tendency is the value of a set of data to measure the middle or central value of the data set. This method of calculation of average can be used for calculations of averages in any form or in...
Distortion is a phenomenon that can be noticed everywhere in every from of life. When the natural regular shape of any thing or person changes drastically then the resultant phenomenon is termed as distortion. Distortion...
Serving as an index to show the customer’s creditworthiness, the FICO score indicates how you manage your financial portfolio. Combining a number of factors through a system of mathematical formulas, the score shows the...
Many people looking for a loan may not be in a position to offer collateral or provide other equity to avail of a loan. For those in this situation, the no-collateral loans, which are called “unsecured loans,” may be...
First time home buyers consider the recession to be the best thing as they can take advantage of the new federal housing tax credit scheme. A federal tax credit up to $8,000 or 10% of the purchase price is now on offer...
We all have a dream home in mind but actually purchasing that dream home for the first time is an important mile stone. President Obama has created one of the best first time home buyer opportunities, the rebate opportunity...
It comes as no surprise that people are eagerly awaiting their promised stimulus check. The Internal Revenue Service will make a public announcement as to when the stimulus checks will be sent out. The initial rounds of checks...
World Bank chief declared that Governments should continue the fiscal stimulus in to 2010. It is necessary to maintain the fiscal stimulus to combat recession. To analyze how the maintaining of fiscal stimulus would be...
People across the world work hard and earn income for their hard work. All of us should pay taxes to the government. Many people hate parting away their hard earned money by paying taxes. There are ways by which you can change...
An insurance plan is needed to make your life safe, secure and stress free. By opting for a proper insurance plan, you can also get constant returns and enjoy that financial stability in the long run. Insurance is a vital...
There is a huge demand for lawyers and advocates around the world. Especially with the launch of Internet, there are many lawyers and advocates who provide on line guidance for every legal problem. Whether it is a civil...
Income property is defined as real estate bought or developed in such a way to generate income. The real estate property can be developed or bought so that one can earn income by leasing, renting or property appreciation....
With the global economy in recession there are many after effects. Hard landing is the economic phenomenon that results when government steps in to slow down inflation that is caused due to the economic recession. The government...
Household income is a measurement used by private institutions and Government in USA. Household income is calculated taking into consideration income of individuals aged above 18years residing in each household. Apart from...
Trust income or income trust is the trust, which is holding the assets that are producing income. The trust income designates ownership vehicle, capital structure and legal entity for businesses or certain assets. These...
Mortgage insurance is also known as mortgage guaranty. Mortgage insurance is an insurance policy that compensates investors or lenders for the losses that are due to the results of default of mortgage loan. When the down...
Collateralized mortgage obligation – CMO is an entity with special purpose and is separate from the institutions that create it. Collateralized mortgage obligation is a financial debt vehicle that is created by Boston team...
Mortgage calculators acts as convenient tools that are used to help potential or current real estate owners in determining how much amount they can afford to borrow in order to purchase a part of real estate property. People...
Household income is not to be confused with the income of the family or individual person. Median income is used to get data from smaller geographical areas. Median means taking the middle value of all the selected values...
Internet income is the income you earn while you are online. With global economic recession reaching alarming stages, many people lost their jobs and in the process their livelihood. So people in order to make their both...
Separation of powers is called as trias politica and separation of powers is a model to govern democratic states and nations. Ancient Lithuania developed this model and it was widely used in Roman government. Separation...
If you are wishing to opt for some proper investment channel through which you can get steady income, then life annuity can be an ideal option for you. It can be the perfect option and a major part of your investment planning...
A mortgage loan insured by the Federal Housing Administration (FHA) is known as the FHA Mortgage Loan. The FHA insures loans for lenders and does not offer any loans. In case of a default by the borrower, then the FHA will...
By using the right type of insurance life plans, you can make your life more secure and enjoy that financial stability. According to experts, opting for a proper life insurance plan is one of the most important parts of the...
A home mortgage interest deduction is a provision of the United States tax code that offers the advantage for homeowners to deduct the interest paid on mortgages on their principal home or a second home, from their taxable...
The “Making Home Affordable” plan is meant to offer assistance to homeowners by making their mortgages more affordable and reducing the negative impact that foreclosures have on families as well as the economy as a whole. There...
The Obama government is offering several incentives to all lenders for loan modification on the existing home loans of the borrowers. This loan modification stimulus plan is expected to help millions of struggling borrowers...
Starting out a small business, you’ll definitely need every chance you get to increase your income. Tax deductions are a good way of capitalizing on your business profits. This puts in the business in a situation where...
The zero mortgage payment is inspired by the niche markets. By understanding the needs of a large part of the market, the no down payment mortgage has gained success. Since not many people have disposable income for down...
Mortgages are the financial solutions that make owning a home possible. Unlike the daily financial ventures that people undertake, buying a home is a big investment and takes a huge financial toll, so huge that it needs years...
The 2010 stimulus check is set to help over 90% of Americans, but how will this affect you? The changes operated after the implementation of the stimulus have shown themselves clearly in 2009 by way of the stimulus check...
Though we are all different in the kinds of goals and things we want in life, there are always some things that we all share, some dreams are repetitive in many cases and one such, is that of owning a home. But somewhere...
There are some periods of the year which are dreaded because of the much that they demand. One of the periods that come to mind is the period of submitting the 2010 tax returns for a given year. Right now the next one is...
With the volatility exhibited by international markets, people find themselves victims to waves of negative sentiment. This may result from negative returns on your investments in sensitive sectors of the market. Thus a healthy...
Income tax is that important parts that make a government function well. It can be compared to fuel that enables an automobile to run. This is a metaphor in which case the fuel is the income tax and the automobile is the...
Looking at the current economic crisis and the financial goals that a country is willing to reach, some adjustments have to be made and all these revolve around the tax rates and precisely the amount of tax that citizens...
A tax rebate is an amount of money paid back to a tax payer upon their payment of too much tax in a said financial year. Cases of overpayment are not rare and most of the time occurs without knowledge that they are. One example...
Budgeting is that essential part that needs to be there whenever a plan is in the making. It helps in the estimation of the money that is likely to be spent. While working as well, there is that important part that is tax...
If there is one thing that 2009 will always be remembered for, it is for the financial hardships that it has brought with it. The global economic crunch is felt by almost anyone and it has found most people unprepared. One...
2010 Income Brackets Income brackets can be described as the measures of wealth which help in establishing the federal tax that a person is supposed to pay. The brackets are based on annual income earning where the AGI is...
The basics of an Insurer’s Business Model is the same as any other business, in the sense that profit is calculated by adding all the different incomes and deducting all expenses and losses. In an insurance business...
Economic development entails the increase in the living standard of a nation’s population connected to sustained growth from low-income economy to an up to date, high-income economy. The scope of economic development entails...
A commercial mortgage, as the name may suggest is a loan taken against real estate. In other words, a commercial building acts as the collateral that will secure the repayment of the loan. A commercial mortgage is very similar...
The term Chrysargyron originates from the Greek words for silver (αργυρος), and gold (χρυσος) and can also be termed as collation lustralis, or chrysargyrum. Chrysargyron dates back to 325 in the Eastern Roman...
Overview Absorption in economics is the total demand for all types of marketed goods and services by all economic agents living in a given economy, in spite of the source of the goods and services. Absorption can also mean...
In economics, an aggregate is a summary measure that describes an economy or a particular market. The aggregation problem therefore refers to the problems or difficulties of treating a practical or hypothetical aggregate...
A mortgage is when an owner generally for a fee of simple interest, provides a security or a right for a loan. A mortgage is known as an encumbrance to the property rights. A mortgage is a condition to obtain a loan secured...
A line of credit (LOC) is a term used to describe a financial arrangement between a customer and any financial institution, such as a bank, which serves to establish the maximum loan balance amount that the bank allows the...
A home equity is a form of acquiring credit where your home will serve as collateral. A home is a client’s most valued asset, where most homeowners use home equity in order to acquire credit for home improvements, education...
Annuity is a term found in finance theory and it refers to a string of fixed payments that will terminate after a particular period of time. Some examples would be monthly mortgage payments, monthly insurance payments and...
Overview Description In simple terms, amortization is the process of accounting for an amount over a given period of time. Tax law refers to amortization as the cost recovery system for intangible properties. Amortization...
Overview Description A capital levy is a form of taxation applied by the government wherein it takes part of the capital of any business or person, as distinguished from a business or personal income. In other words, it is...
Descriptive Overview Disposal tax effect as a finance phrase, traces its origin from engineering economics whereby it can be depicted as a situation of tax savings or additional taxes ensuing from disposing off the last item...
Microeconomics can be defined in a number of different ways: “Microeconomics deals with the decision making and market results of consumers and firms.” “Microeconomics is the study of the economic behavior...
This is a branch of economics which considers the performance of economy as a whole. It is concerned with aggregates like national income, national consumption and investment. It studies the national economy and determines...
A Basic income is a proposed system of social security, whereby an income is unconditionally granted to all citizens without any prerequisites. The income is a sum of money that is sufficient to live on and is provided to...
Comprehensive Income is typically defined as the change in the net assets of a company that are not caused by the actions of the owner, or owners of the company. In the Financial Accounting Standards Board, or FASB, Comprehensive...
A company’s total earning is called Net Income. Once all the cost of doing business, depreciation, interest, taxes and other expenses are adjusted against revenues, the amount you get is the company’s net income. Net...
Income redistribution refers to transfer of income, wealth or property from some individuals to others. There are many arguments that support the redistribution of income. The most important arguments are as follows: First...
Overview Description Optimal tax theory is a study with an aim of finding the best ways to design or plan a tax to avoid inefficiency and economic distortion. The study encompasses such questions as to whether a jurisdiction...
Overview Description When the need (demand) for goods increases and its availability (supply) decreases, the prices rise. On the other hand, if the availability of goods increases and the need or desire of goods or services...
Definition Tax deferral is the payment of taxes in the future for earnings in the current year. It is an instance where taxpayers can holdup paying taxes to some future time. Theoretically, net tax paid ought to be equal...
Description Whereas an average tax rate is the total payable tax as a percentage of the total income earned, marginal tax rate is the tax rate on the last dollar of the income earned – the tax paid on any additional dollar...
Overview According to economics, income effect depicts the effects of alterations in the prices on consumption. It is the change in an individual’s income or an economy’s income, and how that change will have an impact...
Overview Dividend stripping is the process of buying shares just before a dividend is paid and selling off the shares in question after the payment when the shares go back to normal (ex-dividend). Dividend stripping is done...
Debated by some, contested by others and highly anticipated by most, the second stimulus plan has been set in motion, which means that the majority of Americans can expect to receive a check for a maximum $400 federal tax...
Over half a century ago, one man wrote that “all men (in this case human beings) are equal, but some are more equal than others”. Some individuals are allowed to amass great wealth, others take comfort in unevenness and...
Purchasing Power Parity It is a theory that tends to estimate the ratio and extend of adjustment to be done on the exchange rate among countries so that the exchange can be equal to each country’s currency purchasing power....
Definition of Inflation Inflation can be viewed from different perspectives. Inflation is simply the state of being inflated or the act of inflating. It can be described as the rise in the general level of the prices of goods...
Overview Income disparity can also be referred to as wage gap. It describes the irregularities and unfairness in the processes of wealth and income distribution among social-economic classes within a given society. Income...
General Definition The GDP or GDI, acronym for Gross Domestic Product and Gross Domestic Income respectively is the measure of a nationwide income and production or output in a given nation’s economy. It is simply the...
Overview In simple terms, fiscal policies are government spending and income collection policies that influence the interest rates, tax rates in an effort to control the economy. Fiscal policy acts in contrast with monetary...
Overview An economy is said to be an expenditure cascade in instances when the fast and speedy income growth among the top earners, or the rich individuals in the society, fuels the additional spending by the poor or low...
Definition of economic inequality Economic inequality entails all discrepancies in the distribution of income and all economic assets in a society. It may refer to disparities among groups or/and individuals in a particular...
Overview Economic equity refers to what is fair. With all variables constant, an economy where resources, goods or services are apportioned amongst citizens is considered fair. There are five economic goals that each economy...
Deflation Definition According to economy, deflation is a continued decrease in the general price level of goods and services in an economy. In other words, a general dwindling in prices, usually caused by a decrease in...
Overview Deficit spending can also be termed as ‘budget deficit’ or simply ‘deficit’. It is the amount by which a government’ spending exceeds its collected revenue over a given period of time. It is not limited...
The balance of trade is the difference between the monetary or financial value of imports and exports in an economy over a given period of time. In general terms, it includes all activities of imports and exports of a particular...
World income distribution In economics, the most weighty and profound questions is why some countries in the world are rich while others are poor; why some country’s income is higher than the others. Economists have over...
What is the description of transfer tax? It is simply an amount paid when an individual or entity is passing property to another individual or entity whereby the amount of tax paid depends entirely on the fair market value...
What is taxation? Before shedding light on the taxation ethics, it is imperative to first know what taxation is. To tax, in simple terms is to impose a monetary charge or other levies on an individual or a legal entity where...
The Four “R”s Basically, taxation has four main purposes also identified as tax effects. They are: Revenue, Redistribution, Repricing and Representation. Revenue The main tax purpose is revenue. Tax revenue...
Economics define tax incidence as the study and analysis of the outcomes of a specific tax on the sharing of economic interests and welfare. It is believed that tax incidence falls on the category that it will ultimately...
Retirement taxes, as the name suggests is tax levied on the amount retired individuals are paid. In a number of countries which have social security systems, they provide retired citizens with an income thus they fund the...
Any tax system, be it an income or consumption tax system features its relationship to the percentage of tax burden. A regressive taxation is whereby the effective tax rate decreases as the amount subject to taxation increases....
Debatably, the most important element of tax systems is the overall percentage of tax burden as it relates to the type of system, be it consumption or income. It makes it therefore important to analyze and describe the distribution...
There are three main types of income; Passive, Active and Portfolio income. Passive income is a rent, income, or earning received by an individual on a recurring regular basis with little effort from the individual required...
Definition of Income Splitting In a jurisdiction that utilizes progressive taxation, income splitting is a method by which a family’s income tax is reduced. It is the act of distributing income amongst family members instead...
In general simple terms, dividend tax is an income tax imposed on the dividends paid to stockholders. Dividends on the other side are payments made by a company to its stockholders; it is the portion of profit shared out...
A Consumption Tax is levied on the amount spent on services and goods. It is based on consumption. It is normally an indirect tax like value added tax or sales tax. Although it can be levied as a type of personal direct taxation...
Corporate tax is also known as the Corporation tax, and it is a tax which is levied on the profits made by a corporation or a company or an association, by various governing jurisdictions. The tax is levied on the value placed...
Excise Tax is a tax on the production or sale of any goods. It is also called Excise Duty sometimes and, unlike customs duties which are charged on goods which come from outside the country, is primarily charged on goods...
Whether or not one sees global warming as a phenomenon caused by immoderate pollution from human activity, it is hard to disagree with the suggestion that environmental pollution is affecting the quality of life and general...
A poll tax, also known as a capitation tax or head tax, is basically a fixed amount which is levied as tax on an individual according to the census, as against a tax on income. Poll taxes used to be sources of revenue for...
Taxes form an important part of our financial planning. Along with paying taxes for the goods purchases and the services availed, we have to pay taxes on our houses and land. Property tax, also known as millage tax is a tax...
The system of taxation has been a part of governance for centuries. According to the records found so far, the society in Ancient Egypt was the first society to adopt the system of taxation. It is widely believed that in...
Taxation, in itself is a complex system. It is a necessary and a mandatory procedure which involves the payment of taxes to the government. A tax deduction represents an expense incurred by a taxpayer. A tax deduction or...
Most governments raise funds partially by taxing their citizens. These taxes are usually collected by taxing services or sales, while others are collected every 12 months, when a fiscal year ends. The latter annual tax is...
A Capital Gains Tax (CGT) is a tax levied on the profit from a sale of a non-inventory asset that was bought at a lower price. Capital gains are usually collected from the sale of property, precious metals, bonds and stocks....
The mere mention of the term ‘tax’ can induce sleep in many. This is quite contradicting to the reaction one would get when the word ‘money’ is mentioned. In spite of its rooted relationship, tax and money are viewed...
Taxes are paid by the citizens and residents of USA to federal, state, and local governments. Taxes are used to pay for services which are provided by the government. The different types of taxes include income tax, sales...
Progressive tax is a form of type which increases as the taxable income increases. In many cases, the term is usually used to refer to personal income taxes where the more one earns in disposable income, the higher the percentage...
All tax breaks aren’t necessarily equally good. Bad tax breaks have been known to give an unfair advantage to a particular group of taxpayers. While good tax breaks should protect the basics that people need to survive....
Taxes form an important part of each of our financial life. Understanding the intricacies of taxes becomes vital as it can help us deal with our finances better. Taxes are categorised into direct taxes and indirect taxes....
Taxation is compulsory payment to the state by companies and individuals. These government-imposed taxes help to raise revenue that is used to cover administration, maintenance of law and order, defense, housing, education,...
Last year, there were many people who were frustrated as well as devastated because they were not able to get their tax rebate check. But thanks to the 2009 stimulus plan that was recently signed by President Barack Obama,...
Thanks to the 2009 stimulus plan or the American Recovery and Reinvestment Act of 2009, those who will be buying their homes for the first time can get a 2009 stimulus refund this year. The great thing about the 2009 stimulus...
The Obama Stimulus plan aims to restore the American Dream to its former glory with a series of strategic moves leading to sweeping changes. Obama’s strategy is to put money back in to the pockets of those who need it and...
The big question that every one is asking now is what does the Obama stimulus rebate imply? A storm has already been created by the 2009 stimulus plan proposed by President, Barack Obama. Dissenters feel that in order...
The Barack Obama stimulus plan has brought good tidings to the majority of the US population. However, there are still those who have doubts and are using a wait and watch policy. There is the question of who actually foots...


