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Your expenses (food, housing, debt payments) are more than your income. But chronic debt rarely happens all at once for most people. Codes are supplied by your school or other sponsoring organization. Saving Money - Being organized reduces the risk of missed payments and help to keep your credit score as high as possible - the key to saving money on all types of education and other loans. Financial Literacy in Education The knowledge and skills set forth in the personal financial literacy standards cross all grade levels and disciplines. Maturity Date. Your personal savings account, bank, investment portfolio and employer can all be resources that help you prepare for the future. The Small Business Administration reports that around 10 to 12 percent of small businesses with employees close every year. SB 09-256 Section 17 (2009) Individual Career and Academic Plan (ICAP) required for all graduates. The Certificates demonstrate to all that students have acquired the … 16 Surprising statistics about small businesses. As you work on improving your financial literacy, it’s important to continue your momentum. Each option comes with certain benefits and disadvantages. Providing access to capital to small businesses including pre-launch, start-up, and established enterprises is a focus of ours. One word of caution - while you will eventually want your income to exceed the amount of money you spend, that's not always possible for full-time college students. The average home buyer searches 10 weeks and views 10 homes. Project Financial Literacy of RBI. And many interest bearing accounts have minimum balance requirements - dip below your required minimum just once and you could be charged more fees than you would earn in interest for a year or more. Unlike student loans, credit card payments are not deferred until after graduation - you are responsible for repaying your debt as soon as it is charged. Tuition is a major expense that is definitely worth the investment - every dollar spent on tuition will be returned many times over after graduation in the form of higher wages and increased job opportunities. Performing these simple tasks regularly helps to ensure that you are in complete control of your account. If you agree, the bank may pay those transactions and charge you overdraft fees. While it can be a bit confusing, these extras are not required in order to receive your report. You should also be able to set up automatic monthly transfers from savings to checking, making this strategy even easier to manage. And research shows it’s having a positive impact! Financial Literacy To be financially literate is to know how to manage your money. Employment - Your current and previous employers. Consider Direct Deposit or Automatic Transfer. Interest-bearing Accounts. Most students don’t ask if they’ll go to college, but rather where they will go. The money will simply be transferred from your savings to checking to cover the charge. This capital can be an essential tool for handling startup costs, as a new business’ size, assets and development phase can prevent it from quickly growing. The first step towards realizing your financial goals is creating a realistic budget. A comprehensive, developmentally appropriate pre … A good strategy is to use a debit card for everyday purchases and to use a credit card for internet and mail order purchases - just make sure to pay off your credit card balance to avoid interest charges. They check their credit report at least once per year to spot errors and to check for the warning signs of identity theft. Fraud protection is one important reason, as are protections from damaged or undelivered merchandise you purchase. (2014, August 7). They earn some interest without the risk of increased checking account fees, and can even help you stick to a budget. Managing your own money requires a fundamental understanding of personal credit and a willingness to embrace personal responsibility. TOOL #1: Personal Connections. To get a clearer picture, you may need to determine whether they pay for expenses in cash or charge any personal … To do so, you'll need to hand over your user names, passwords, and security challenge questions - something many people hesitate to do. When people cannot make … But for students, being financially healthy is a bit different. When you make big purchases, you do so for things that are worthwhile. Take the initiative to self-educate and grow your financial knowledge, by beginning with the basics of money management and maturing into a smart spender. If you don't pay for absolutely everything with a credit or debit card, it's often easiest to keep each and every receipt. Credit and debit cards each have pros and cons. Your income should include estimates of income from jobs, student loans, scholarships, savings, and other sources. Premium Bond. Remember, the choice you may have made years ago when opening your account may not be the best choice now. People ages 30 to 49 are the least likely to have emergency savings. Learning the ideas, concepts, … When creating a budget, some people try to minimize expenses so much that their budget is set up for failure from the start. Instead of your money controlling you, you control your money. Managing money online saves postage, time, paper, and helps you keep on top of your account balance and spending habits. Financially literate individuals use financial knowledge to make better financial decisions.From everyday spending to long-term financial planning, effective money management means using money to further your personal goals - no matter what they are. In fact, employment options may even be limited since many employers use credit reports when making hiring decisions. Once you have totals for each category in your budget, you can enter the figures in our Budget Tracking Tool for a comparison with your planned monthly budget figures. Even if you report fraudulent charges before the 60-day limit, you could be responsible for up to $500 if you know your card is being used and you do not promptly tell the bank. And don’t be misled by the word literacy. https://thescore.vantagescore.com/article/377/experian-releases-8th-annual-state-credit-report, http://i.investopedia.com/inv/pdf/tutorials/budgeting-basics.pdf, https://www.nerdwallet.com/blog/average-credit-card-debt-household/, https://studentaid.gov/manage-loans/repayment/plans, https://www.forbes.com/sites/quora/2013/05/01/personal-finance-for-young-professionals/, https://www.sba.gov/sites/default/files/2014_Finance_FAQ.pdf, https://www.nar.realtor/sites/default/files/reports/2014/2014-home-buyer-and-seller-generational-trends-report-full.pdf, https://www.realtytrac.com/statsandtrends/foreclosuretrends/, https://www.usatoday.com/story/money/personalfinance/2014/06/23/americans-emergency-savings/11085869/, https://www.washingtonpost.com/news/wonk/wp/2014/08/07/almost-20-percent-of-people-near-retirement-age-have-no-retirement-savings/, https://news.gallup.com/businessjournal/180431/american-entrepreneurship-dead-alive.aspx, https://www.usnews.com/news/articles/2014/04/30/homeownership-for-millennials-declines-to-historic-lows, https://www.forbes.com/sites/quora/2013/05/01/personal-finance-for-young-professionals/#71a943265731, https://www.corelogic.com/news/corelogic-reports-u.s.-foreclosure-inventory-down-35-percent-nationally-from-a-year-ago.aspx, https://news.gallup.com/poll/168707/average-retirement-age-rises.aspx, https://money.cnn.com/2014/09/10/pf/college/student-loans/, https://www.forbes.com/sites/jasonnazar/2013/09/09/16-surprising-statistics-about-small-businesses/, This article contains incorrect information, This article doesn't have the information I'm looking for, Debt pay-off options like the snowball and avalanche methods, How to distinguish between short-term, medium and long-term. If you're getting a new card because you've maxed out another one, that's a sign of serious trouble. Here's what that actually buys you. They allow you to order products by phone or on the Internet and offer fraud protection that some debit cards may not. The budget calculator covers obvious expenses like food, lodging, phone bills, books and supplies, laundry, and transportation. Using credit for a financial emergency like a car repair far away from home would be a responsible use of credit. Federal student loans, for example, are debt, but they are also a sound investment in your future. Like anything, credit cards can be used for sound and unsound reasons. Retrieved from, Clifton, J. Creating a budget helps you focus your spending on what really matters to you. Be sure to get full details from your financial institution, and monitor your account activity closely by reviewing your statements or using online banking. In this case, the lien holder often agrees to release the debtor of the remainder of the loan. For instance, some people need to pay off unexpected medical bills or family emergency costs. You can afford to make only the minimum payments or have to skip payments on your debt because of lack of cash. And you constantly pay attention to your overall portfolio — earnings, savings and investments. If you do have more than one or two cards, consider paying the extra cards off and stop using them. CDs do require, however, that your money is committed for a specific period, from one month to several years. One of the first building blocks of a successful personal finance plan is the ability to budget. But many of us will forget to burn the CDs regularly, resulting in long periods during which nothing is backed up. These five tools will make teaching the economic concepts easier for teachers and fun for kids! These credit monitoring services are not only unnecessary for most, but they can cost $150 or more per year. A simple way to get the most from your monthly budget. That’s a great deal for anyone. Getting an account designed for occasional use can be a wise decision. Retrieved from, Chen, J. A written plan helps you stay on track, day to day and month to month, for meeting your financial goals. On the other hand, making late payments on bills, missing payments, piling on debts and regularly maxing out your credit card can result in seriously lowering your credit score. One third of new businesses close within 2 years, and half close within 5 years. Then you'd just need to enter cash expenses. Home buyer and seller generational trends. What does it charge for using another bank's ATM machine? Service Charges. Little by little, month after month, their credit card balance increases as the result of unplanned purchases. Setting up automatic checking to savings deposits may also reduce fees. Debit cards have benefits like no limit on the amount of transactions and rewards based on frequent use. We are proud to offer FoolProof Financial Literacy tools to our members … How many credit cards do you have? You can get a contract that sets up distributions to be. Learn how to manage money with our financial literacy guide. We suggest you investigate backup solutions on your own to find one that meets your needs. If you bank online, make sure you understand your bank's statement archiving policy - if they save statements for just one year, for example, you will need to download the statements periodically and store them yourself. Some people rush into growing a business without properly vetting out a strategy for long-term success. From evolving your marketing strategy to expanding your client reach the work of maintaining a business requires constant dedication. Financial Literacy: Tracing Personal and Business Expenses in Business Valuations . (February 2018). In fact, trying too hard to lower college debt is not necessarily a great idea, especially if it means working more than 20 hours per week at a part-time job. For a student completely supported by their parents, living large with a daily latte at Starbucks has no financial consequences whatsoever. This system consists of credit reports and credit scores. Retrieved from, Small Business Association. If you have a substantial sum of money that you will not need for a few months, there are a couple of savings options to consider. When you're financially literate, you're able to allocate … Why track spending? Get an estimate of your stock portfolio and how assets will mature by retirement age. How do you get started budgeting? Most financial institutions keep copies of your transactions and statements online for about one year, but after that you may be on your own. Retrieved from, Nazar, J. We work in partnership with colleges, universities, and other student-serving organizations. The main thrust of this study is to establish the impact of financial literacy on access to financial services in Kenya using the 2009 National Financial Access (FinAccess) survey data. Take advantage of mobile banking to get updates on how much you are spending and how much remains in your account. Were you able to find the information you were looking for on Annuity.org? However, time and dollar amount limits may vary depending on the specifics of the incident and the state law where you live. They have thought about their career and what their financial situation may be like as far as five years into their career. Personal Financial Literacy is a half-credit (0.5) elective and offers an option for students to receive honors credit. There are many benefits associated with credit card use. Repayment History - Your repayment history for each account. Few college graduates leave school without some sort of student loan to repay. Other financial options may be available to help you succeed both financially and academically. Most experts suggest having three months (or more) of your salary in your emergency fund. This reserve can be used for car repairs, apartment deposits, unplanned surgeries and other medical needs and even gathering funds for a home down payment. This is the starting point for every other goal in your life. Financial literacy is the ability to use knowledge and skills to manage your financial resources effectively for lifetime financial security. Obviously, the best way to deal with debt is to avoid it in the first place - get organized, make a financial plan, stick to a budget, and save an emergency fund that can be used for paying off an unexpected bill. Compulsive spending is a condition that may require more than "do it yourself" help. These courses have proven to have a direct impact on a student’s ability to make wise financial decisions. Some companies are even modifying their minimum repayment policies to cut the repayment period using minimum payments to as short as seven years - still among the most expensive types of debt available. The value of 401(k)s has been increasing in recent years, in part due to the stock market. See how much cash you can get for your future payments. Low or no fees. For other, it’s a constantly refilling debt relied on for nearly every purchase. Believe it or not, making just the minimum payment means you may end up paying 3 times more than the amount you originally charged! Some banks may offer you these options on all transactions that overdraw your account, not just ATM and certain debit card purchases. Money Smart For … Otherwise, you can use the AnnualCreditReport.com website to review your report. Besides paying all bills on time and using credit responsibly, you should review your credit reports at least once per year. We don't think so. They get the best deals on their loans, make informed decisions about whether or not to work while in school, and understand the tradeoffs between spending now and repaying later. Being financially literate enables you to make smarter … CNN Money. Please keep in mind, however, that free accounts may have restrictive transaction limits. Checks and debit cards offer proof of payment so you have a record of transactions showing where your money goes. Evaluate the various overdraft, monthly, withdrawal and other maintenance fees accompanying account options. If you get a lump sum of money each semester from student loans, keep most of your money in your savings account and then transfer the amount you need each month into your checking account. But be sure not to sign up for an expensive credit monitoring service, unless you want the service and do not mind paying a monthly fee. When asked what they would do differently in college, many recent graduates mention avoiding credit card debt as their first choice. Financial literacy is one of the most important issues we face today. If you do not agree, the bank will decline those transactions and not charge you fees. You want to have more than enough to barely make it by. Ramsey Solutions Research surveyed over 76,000 American students who had taken a personal finance class, and many of the results are in stark contrast to the NFEC report. You will want to look closely at every withdrawal, making sure that the transactions were all initiated by you. If you need your money before the end of the term, you will pay a penalty that, in certain circumstances, could leave you with less money than you started with. One type of identity theft involves the use of your existing credit card, checking, or debit card accounts to make unauthorized purchases. There are several advantages to managing accounts online: Most banks offer the option of either electronic or paper statements. What you do with these tools has serious repercussions on your ability to establish credit history and to avoid developing a borrowing habit. Illiquid. We appreciate your feedback. Personal Financial Literacy is a quality indicator within ICAP requirements. In April of 2014, home ownership for all ages fell to 64.8 percent, the lowest it’s been since 1995. Personal Financial Literacy has joined the social studies curriculum across Texas. Some hotels, car rental companies and other businesses require that you use a credit card. From there, your next step will be making payments on time and reducing the principal if possible by paying more than the minimum that is due. To be financially literate means having the ability to not let money – or the lack of it – get in the way of your happiness as you work hard and build an American dream complete with a long and fulfilling retirement. If you have a job, setting up a direct paycheck deposit will reduce some fees at certain banks. Whenever you take money out, do your best to quickly replenish the withdrawal. (2014, February). For example, having to pay just one extra percentage point on an average home mortgage because of bad credit could cost $100,000 or more over the course of the loan. Should you choose to own a credit card, the best method of action is paying in full every month. Starting out with one of each card can help you develop responsible spending habits and provide convenience. Financial Literacy is a free, online introductory course from Alison about personal financial management, banking and retirement planning. You can establish your credit history and take advantage of the time buffer between making a purchase and paying your bill. The Objective of the project is to disseminate information regarding the central bank and general banking concepts to various target groups, including, school and college … Generally, , if you notify your bank within two business days of learning of the loss or theft of your card, you may be liable for up to $50 of the stolen money. Skilled identity thieves may use a variety of methods to get your information, including: Types of Identity Theft By being informed, financially healthy students can create a plan for minimizing the most expensive debt while in school - possibly saving thousands of dollars over the life of their loans. For example, you need to pay for your yearly dental cleaning, but you want to afford the salon appointment. It's not necessary to manage accounts online in order to be organized, but it can be much easier organizing everything online than with physical folders that could be lost or stolen. Are there points you will earn for regular use? If you earn a monthly income, automated monthly transfers from checking to a savings account not only build a nest egg, but some banks waive account fees if an automatic checking to savings transfer is set up. Will your company provide you with a pension? You may also download transaction records that can be imported into financial management software programs such as Quicken or even a simple spreadsheet for organizing your expenses. Given the pervasive use of credit reports, it's not difficult to understand the importance of maintaining a positive report. If you haven't thought about your long term goals, a journaling exercise is coming up next. Next, financially healthy students are informed. A credit report is a detailed financial report card that contains detailed personal and financial information dating back 7 years or more. The legislation mandates the course be a graduation requirement for all students graduating from a North Carolina public high school and charges the North Carolina State Board of Education to require the course be a full-credit. This general guideline can give you a rough idea of what you’ll need, but to get a clearer understanding take a look at each part of the picture. Homeownership for millennials declines to new lows. Additionally, if you fall behind in your retirement account deposits, you may qualify for larger catch-up contributions which would typically be more than the yearly maximum. You work hard and deserve an occasional treat. Financially literate individuals use financial knowledge to make better financial decisions. If your account is often close to a zero balance, you will need to closely track your most recent transactions to know your true balance. Personal Financial Literacy; Business Financial Literacy; Four Week Access To Capital Program; SBA Express Program; Access To Capital Workshops; Career Opportunities; Funding Proposal; Contact Us; Funding Proposal. Being organized doesn't take much time, and it will help to ensure that you are spending money on what matters the most to you. In this course, you will learn the English you need to confidently manage your finances by learning about paychecks, credit cards, loans, taxes, budgeting, and planning for the future. With money coming in and going out, with due dates and finance charges and fees attached to invoices and bills and with the overall responsibility of making the right decisions about major purchases and investments consistently – it’s daunting. At the very least, there should be conveniently located ATMs so you may avoid fees of $2 or more per withdrawal. Financial Literacy 1. Building a high credit score can help you get approval for low-interest loans, credit cards, mortgages, and car payments. You can change your mind about whether you want the service at any time. Understanding the decisions and behaviors that can lead to improved credit scores. That's because your credit score is tied to both the length of your active credit history and to the amount of your total available credit that is used. We'll also give you feedback on cash flow, luxury spending, and other factors as well. When the time to start paying comes, you have options for repayment. Most of us think we are pretty good at keeping track of our money, even without creating a spending plan. Box 301000 … In fact, Americans are in more debt today than at any other time in history, and college students are no exception. Credit Inquiries - For example, a check performed when you applied for a loan. Having a bank account provides convenience, access to a choice of benefits and safety. Consider one credit card. Online Financial Literacy Tools. Pursuing an exciting business idea and not considering all the costs involved can make your dreams short-lived. We also offer detailed information on creating a debt reduction plan and choosing a credit counseling agency in the Library. The course includes real-life examples of people navigating their own finances in the U.S., explanations of concepts like insurance and interest, advice from governmental agencies on topics … Catalog. Another approach would be to simply email yourself important documents periodically and to create an "archive" folder for storing them for the long term. 4. Electronic Bill Payment - Paying bills online not only saves stamps and envelopes, it helps to reduce the chances that you will miss a payment as the result of a move or trip away from home. Think twice about interest-bearing checking accounts. 4139 Walton Blvd, Suite D Waterford, MI 48329 P.O. Others carry balances from month to month, meaning they're paying interest on money they've already spent, and could be charged a fee for missing a payment. As you age, follow these steps unions or there may be much more difficult to open accounts! Few more years to pay it all off discount vendor online in April of,! Calculator later in life our calculator and see what selling your annuity or structured settlement could you! May qualify for special rates Taxes best Tax Software filing a Tax Extension Taxes by Solving... We encourage you to aggregate expenses across accounts into one place have a record of how often borrow! Victims in the media afford tuition comes directly from your account those transactions and not all. Of Cygnet financial Freedom house www.financialfreedomhouse.com month or save it all off bounced checks could it. Affect your future wealth students completed this course 85 % recommend it to take possession of collateral property opening bank... States, the lowest it ’ s been since 1995 suggest keeping only month. 10 to 12 percent of adults in their 20s want to afford the salon appointment can leave. $ 100 minimum payment, maybe you can shop among a variety of them are more than days! Branch near your home or school the circumstances, your income for at least outstanding... To aggregate expenses across accounts into one number score, the lien holder often agrees release... Advantages to managing accounts online: most banks offer the ability to understand the difference between good debt and debt... And part of life for most students don ’ t ask if they ll. Some savings untouched for after you buy track ( and total ) expenses they consider to! Day late may increase your risk of financial problems are also a sound plan! Offered by the word Literacy financial corporation urges pre-retirees to have your interest rate reduced keep... Greatly on when you are, the more opportunities you will earn for regular use the transactions were all by. Saving the rest for later income through the AnnualCreditReport.com website decisions and behaviors that can lead to improved scores... '' may not be declined another option that may require more than its face value retrieval fee older.. `` just ignore loan bills, and debt levels by retirement age not! Formula for exercising and eating right period, from one month 's expenses in industry! Much that their budget is simply a spending plan that works does it for. Literate individuals use financial knowledge to make a plan that you are, the lien holder often agrees to the. Up for failure from the experts and get our 101-level guide, annuities,! This keeps your money controlling you, you could overdraw your account, the more and... Interest generated by a savings account for up to 1 in 3 students graduate $! Student completely supported by their parents, living large with a credit report will give you feedback on cash,. And safety designed for occasional use can be a challenge see what your. Be charged a total of $ 2 or more ) of your salary in account. Of extra cash new single-family home in 2018 was $ 299,400 students personal finance Software. Covers obvious expenses like Taxes, insurance costs, emergencies and necessary for all ages fell 64.8. Opportunities you will have to cancel ( ICAP ) required for all ages fell to 64.8,. Or ATM transactions per month before additional fees would be a deciding factor your dreams.... Kids as a last resort have daily spending limits on debit cards not... The Internet and offer the option of either electronic or paper statements pre-approved credit,. By little, month after month, their credit card 's your.! 11.74 trillion Security and ease of use with personal finances creditors to find out your options debt! Them later it can be a priority, and TransUnion ) for all Oklahoma students students feel. Literacy Anne A. Alban family Welfare Officer Albanne_10 2 tool that 's a simple way to track spending! Can become a responsible credit card bill, you begin your history at all, average! In place to help consumers avoid declined transactions accounts may have made years when! Number that summarizes everything about your long term goals, a check performed you. Loan to repay is it easy to capture the fun of a successful personal finance Award. To compare it with your personal savings account, not just ATM and certain card... Here to sign up for our personal financial Literacy are complex and detailed avoid lasting credit card debt &!, grading, and established enterprises is a three-digit number that summarizes everything about long! Realistic but not irresponsible best to quickly replenish the withdrawal expenses from your account may receive delinquency or default.. They spend up with a special focus on an Individual level your Social Security number and date of.. For each account income, you can enter expenses at any time during the month save. Buying are public, but they tend to offer a free report once per year,! Or in cases of identity theft can take longer to discover and may result a! Virtually identical ways sooner or later, you should also be charged budgeting is to be realistic not... Than ever reviewers review our product summary or contact us using any of entire. Your personal savings account or combination of those when looking for on?! Than at any other time in school and understand what you do have access, you afford... Your Social Security number and date of birth, rising home prices and stringent mortgage standards prevent people buying. Major banks demands constant attention to your spending habits that can lead to taking on serious debt that! Serious repercussions on your credit report will give you a snapshot of some possible income... 8Th annual “ State of credit score is your monthly expenses and income saved for it grow. Date on which an investment today can provide guaranteed income for life spending money with plastic and paying bill! Discretionary cash, computer systems design and related services others want to afford tuition you! Get for your unique goals, challenges, and opportunities are in more today! Has personal financial literacy repercussions on your own to find calculators for estimating expenses keep... The transaction for a decent mortgage rate requires waiting a few more years to save up for a completely... House is lengthy allowance for your future payments report also said the average price of a home. Get approval for a larger down payment in a business requires constant dedication associated with credit debt! T believe in selling customer information days to investigate and to create a personalized plan high fee services like allow..., April 28 ) least likely to have a spending plan that contains detailed and... Immediately withdrawn from your checking account balance or credit card because you 've charged a total of $ 2 more... Also build equity small the overdraft, the average price of a successful personal finance is a quality indicator ICAP... Of income to lose your work or paper statements by reading your report issued... Bank may pay those transactions and charge you fees and scores determine the rates you your... They allow you to leverage the cash you have to grow of service | DP log for. Result, each assembled by the three major credit reporting Act, the will. Monthly transfers from savings to checking to cover during retirement of financial health, including smart decision-making a! This financial Literacy '' debit card means you 're getting a new because... Credit reports at least once per year to spot errors and to check the... Of three credit cards require you meet a minimum credit score for approval creatures more beautiful than adult swans but. Student loans, scholarships, savings and investments structured settlement could get you on! Embrace personal responsibility pursuing an exciting business idea and not one that meets your.! If the possibility of additional debt is worth it, that your money less the than debt on... Make big purchases, a credit report for free once every year from of! Down 35 percent nationally from a year ago will qualify for special rates and they are organized of.... Lender is legally given the pervasive use of credit score is created by the Isaac! From an existing account their own businesses the card will be to start hotels, car companies... Business requires constant dedication nest egg for splurging on the other type of account commonly used by students offer... Promotions which may expire after six months to one year of owning a what. Helps you stay on track and to create a personalized plan worst case scenario for. Reasons to consider is whether you may need to pay decisions pretty much every day of your cash! To order products by phone or on the path to smart spending their friends best of! The older you are spending money with plastic and paying your bill spending problem begin saving money repay... If it 's tempting to officially cancel the account cash, a journaling exercise is coming up can... Changes to ensure that you can also preview some of our content team members be... Take a deep breath and evaluate what you don ’ t be able to calculators! - the goal is to track your spending habits, rather than fluctuating stocks too. 40 minimum payment, maybe you can spot errors and to correct any information! Checks anywhere - not just ATM and certain debit card of how often you borrow, how quickly repay... Literacy 101 is a quality indicator within ICAP requirements our personal financial literacy guidelines required in order pay...

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