It does not matter how good you are at managing money. You might also be good at saving it. However, things do happen, and you might need a new source of cash to take care of one or two things. This led to the birth of loans. If used well, they can be a lifesaver. […]
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If you're looking to update the look of your home, you should consider the Southwestern style. This traditional decorating style showcases the beauty of the American Southwest and injects vibrant pops of color into your home. A key component of creating your very own little corner of the Southwest involves using strategically placed Southwestern area […]
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The media world is a very interesting world to jump in. This is something a lot of people would agree to, especially if you're a content creator, and there are a lot who thrive off of what the media has to offer. You probably know that special feeling when you finally finish editing your video. […]
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JFK Parking can be a daunting experience, especially for people who are new it. However, when you're heading out for a long vacation, the convenience of a ready airport parking space is definitely unmatched. Instead of going through the gruesome process of searching for an empty parking space for your vehicle, JFK airport parking can […]
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Conventional wisdom says that you should stop renting and buy a home. After all, renting is just throwing money down the drain. But is that really true? When you look at some of the other costs that come with owning a home, it quickly becomes evident that home ownership has a bunch of hidden costs.
For years, financial gurus, wealth management experts, professors, parents, and peers have all regurgitated the same lazy metaphor that renting is no better than crumpling up money each month and stuffing it down a drain. And at first, it makes sense. After all, you're not building any equity or acquiring any tangible asset in return for your monthly payment. Yet while this is true, you can't view renting in isolation. You have to compare it to the alternative: buying a house. And when looked at through this lens, there's more to the story.
Photo: Pinterest
As a renter, you're only responsible for writing a monthly rent check and putting it in the mail. If the garbage disposal starts making weird noises, you call the landlord and he takes care of it. If the AC unit breaks down four times in one summer, it doesn't cost you a dime. When the lawn needs to be mowed, you can sit inside and watch a professional landscaper cut the grass without being a penny poorer.
See, when you rent, you don't have to absorb the surprise costs that come with owning a home. So while your rent payment may not be creating equity, your decision to rent is saving you in terms of avoiding additional costs that you'd have to take on if you owned the home.
Another argument people make in favor of home ownership is that a mortgage provides "forced savings." In other words, because you're required to pay a certain amount of principal each month, you're automatically building equity. Again, there is some validity to this, but it's not entirely true. A loan can potentially cost tens of thousands of dollars in interest by the time it's paid off. So unless you find a really good interest rate with solid terms, your forced savings will be neutralized by these costs.
Most people eventually do want to own a home, but you don't want to rush the process. Before becoming a homeowner, make sure you're aware of some of these "add-on" costs:
Mortgage interest. Do you know how much interest a buyer pays on a conventional 30-year-term $200,000 loan at a 4 percent rate? Believe it or not, the homeowner will end up spending more than $143,000! In other words, the $200,000 house actually costs $343,000.
Upkeep. The upkeep on a house – particularly an older house – can be really expensive in the long run. From landscaping and painting to replacing windows and fixing systems that need to be repaired, you can expect to spend a few thousand dollars every year on upkeep alone.
Renovations. If you decide that you want to renovate your house and make the design current again, you'll have to fork over some serious change. In 2019, the average kitchen remodel costs $23,554.
HOA fees. If you live in a neighborhood with a pool, playground, clubhouse, streetlights, or sidewalks, expect to pay a monthly fee to a homeowner's association (HOA). This can range from a few dollars each month to thousands each year.
Property taxes. The government wants its fair share and taxes property owners. While this can be deducted on taxes, it's still not cheap – especially in nice areas.
Home insurance. No lender will let someone buy a house without the protection of home insurance. Expect to pay at least $1,000 per year.
If you're doing the math in your head, you realize just how much all of these extra costs amount to. Can you make a monthly mortgage payment and cover these expenses? It's something to carefully consider.
This article isn't a knock on home ownership. Rather, it's intended to make people aware of the reality of owning a home. Instead of rushing into a purchase decision, you should feel the freedom to patiently wait for the right opportunity. No matter what anyone else tells you, your money isn't being thrown down a drain. There are benefits to renting – just as there are perks to buying. Be patient where you are and only buy when you're financially and emotionally ready to do so.
Read also: Smart Tips On Maintaining House Exterior
Keep being AllDayChic!
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Everyone without exceptions dreams about an ideal shopping, but only a little percentage of people are lucky to catch a right moment, find a few perfect items and spend time and money profitably avoiding regret and disappointment. High-grade shopping is not only the means to bring down stress but also a great opportunity to have fun. Actually, that makes no difference whether you are a student or a businessman, shopping is really a great way to relax after a hard day at the university or work.
Photo: LaBoutique1
Moreover, shopping may become a kind of reward for one's efforts. Let shopping be your motivation to write a perfect essay or reward yourself for preparing a really outstanding presentation for your boss (if you are an office worker). But the point is that one shall go in for shopping being prepared beforehand with the help of the following shopping strategies that will help to come back home with an excellent mood and marvelous purchases.
It is of high importance to fix a precise sum of money you may spend on shopping. Do that beforehand. If you plan quite a significant number of purchases (clothes, bags, boots, cosmetics, etc.), then it will be reasonable to put a price range for every category in your list. Decide on the maximum sum of money you may spend and keep that strictly. That will help to choose a few brands according to the prize category and don't waste time on brands where prices are higher than you can afford.
Do not forget about the special prices while having shopping. If you are a lucky one, you may find what you're looking for paying a really tiny sum of money. Take profit of that!
Though some fashion magazines advise to go shopping alone or at least with a professional stylist who possesses a perfect taste and feels all the tendencies, it is better to avoid to go shopping alone. Of course, every person has their own taste and preferences, but if a person became your best friend, surely such a person became an expert concerning your clothes taste as well. A true friend may notice something that you might have left out of the account (a torn skirt, a blouse that lacks a button, etc.) and prevent your spoilt mood and a real shopping failure.
Moreover, shopping with a few good friends is never boring. While choosing a pair of ideal jeans, you may have a chat sharing something interesting with each other. That helps to relax in the meanwhile. By the way, you may save a decent sum of money as your friends may save you from an impulse purchase.
Take advantage of consultants! One more idea is to find a desired pair of jeans in the online store of a brand in order to save one's time. Make a few screen-shots of the things you want to buy, show those clothes to a consultant and ask for help to find that in this store. In the fitting room, you are welcome to ask consultants to bring you clothes of an appropriate size and color. Consultants are aware of the store assortment much better than you do and may help you to find all necessary.
One more secret of good shopping is to look in the mirror attentively in a fitting room and take photos of oneself. Remember that a light quality in most fitting rooms is quite bad and reveals some imperfections in a person's appearance. Do not be afraid to leave your fitting room and examine yourself under some store. The good idea is to send a few photos in some clothes or accessories you intend to buy to your close friends or people whose taste you may rely on. Say that you really appreciate their taste and want to get to know their opinions concerning the way you look in this fashionable coat.
Sometimes some advice of your mother may be more effective than a consultant's advice. Keep in mind that any consultant has a profit of a customer's purchase as that influences much their salary level. Your friends and relatives wish you the best and really want to help and, as a rule, their advice will be more frank and true.
You intended to buy a pair of loafer shoes but came home with a pair of sneakers and a notebook for essays. Is that a typical situation for you during shopping? If the answer is "Yes", then your problem consists in mixing of things. Do not mix casual and evening looks as those presuppose absolutely different stores and shopping routes. Don't attempt to buy everything at once. That will only distract your attention from a really useful purchase and make you buy the tenth pair of sneakers instead of a pair of comfortable loafers for going to university or office.
Again, make up a list of purchases and keep it uncompromisingly. Think about what kind of purchase you really need this season and what may be bought later. That is a good strategy to decide the problem when, for instance, you get up in the morning, look outside the window and see the rain but at the same time realize that you don't have a raincoat. You recollect that a few days ago you made an impulse purchase in the type of a winter coat on sale.
See also: Are You A Shopaholic? Find Out Your Type Of Shopping Addiction
Keep being AllDayChic!
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Did you know that there is an in-car microwave? Well, this is just a small {and portable} microwave, which is designed to be used in the car. The microwave gets its power from the 12V lighter socket in the car. This way, you can enjoy your favorite meals when they are hot without the need […]
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What is real time bidding and what are the basic principles of work? Simple answers to interesting questions Recently, analysts have called RTB one of the main trends in digital advertising. On the one hand, it is nice to see some new words besides the ongoing "everything will be social", "everything will be video" and […]
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The transportation industry is one of the fastest growing businesses in the United States of America. More and more small companies are getting into the industry, and this has led to a drastic increase in the demand for professional truck drivers. However, not everybody with a driver's permit can apply for such a job. In […]
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Creating a sanctuary to escape to after each day's challenges and activities requires thoughtful consideration in design and furnishings. Whether you are most comforted by a bedroom full of your favorite things or only find peace in minimalist surroundings, there are five essential furniture pieces required to create the most advantageous foundation. Below we've outlined […]
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Apart from communication another reason that couples give for splitting up is growing apart. it is common for couples who have been together for a while to experience this. Growing apart can be caused by several reasons, including a lack of communication. Growing apart in marriage happens gradually and it doesn't happen just because you […]
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Congratulations for deciding to clean your air ducts this spring. Probably, you have noticed that air is not flowing smoothly through your air ducts and the only way to facilitate that is through duct cleaning Toronto. Perhaps, it has been long since the last time you cleaned your HVAC system. Therefore, this is the right […]
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Are you planning to put up a stall at a trade show event? Large events like these will help you gain exposure for your business. Trade shows are perfect for introducing new products, gaining more customers and engaging with existing clients in the area. Because trade shows often get too crowded with other business stalls […]
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We may have heard mention of synthetic urine, but what is it and should we be aware of it? Synthetic urine, is just as the name suggests, it is a product which is made to resemble human urine in every way and in fact it has the properties of urine and is used to mimic […]
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Are you in search for a quick solution to your financial problems? You can look into different types of loans that can give you access to some fast cash. What you should understand is that not all of these loans are created equal. When it comes to emergency funding, you need a loan that suits […]
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Hair dryers can be overwhelming to curly and wavy hairs! Its direct heat can interfere with the hair's natural flow. Albeit such threat, you would, as much as possible, want to dry your hair. Then, that would need a quick solution. A hair dryer diffuser! Clap, clap… The diffuser device not only neutralizes the heat […]
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Learning a foreign language is not easy. It is almost like going back to the time when you were a baby and learning your first syllables. But, now that you are a grownup and want to learn a new language, it is always wise to visit the respective country to learn it instead of attending […]
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If you want to convert your dirt bike into a supermoto, and make things legal, you'll need to make a few changes. When it comes to wheels, you'll want to use street tires, with 17-inch wheels being the most common. Lights on your converted bike are also required, everything from brake lights to taillights to […]
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In recent times, the extraordinary medical effects of marijuana have become very popular. With these effects being exploited, it has brought to light its potential for managing ailments and diseases. Its extract, cannabidiol, has a lot of benefits. Besides not having any psychoactive effects, that is, it can be used without having to worry about […]
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Moving is hardly likely to make it to the top of most people's 'fun thing to do list' but regardless, for most of us it's inevitable at some point in our lives, often several times. What makes moving such a chore? How much time do you have? There are dozens of things that make moving […]
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If someone were to ask you to list the best jobs in the world, which ones would you think about? Would you find being a forex trader the best career opportunity you could have? Some people dream to become lawyers, others want to become doctors, but some people, people like you, want to follow a […]
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Are you one of those who always check the ingredients of skin care products before buying? Do you feel inclined to buy products with no artificial ingredients? If yes, then you should know that there are differences between organic products and natural products, even if the line between them seems to be getting blurry. Why […]
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When you need to rock a stylish and sleek haircut, there is not a better option than an ivy league haircut. This stunning haircut has existed for decades, and it remains to be the most preferred haircut for most men. Thanks to glam, yet contemporary aesthetic, the refined haircut can appear just as fine as […]
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Summertime is always when people start getting focused on losing weight. Especially if you're looking at San Diego real estate to be closer to the beach. After you lose the weight, you want to know that your hard work is going to pay off into the future. It can be hard to lose weight today […]
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Let's get creative! Face it, much of the stuff you do when it comes to DIY can be dull. Paint this! Screw that in place! You may even get to hang shelves or a door. Having a jigsaw means you can be creative. That means you can cut and shape things, making objects that if […]
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Do you know your astrological birth chart? Do you even know what one is? This is 2500 year old means of showing you your best actions and pathways in life, and it all starts from a measurement of exactly when and where you were born. Let's start at the beginning – the birth chart. A […]
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The Trump administration has placed, Huawei, which is a Chinese brand, on the entity list considering it a threat to national security. This means that the US companies are limited to the business that they can do with this company. Google blocked android updates to Huawei's future phones ARM, which is a UK based chip […]
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Watches have long ceased to be functional accessories and have become trademarks of personal style, elegance, modernity and that also marks the hour. With the growing popularity of cellphones, many people began checking the hours there. But an elegant man who likes the convenience of seeing a watch knows the importance of choosing a good […]
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When people visit your online store and like what they see, they stick around — looking through the various landing pages and product listings, hopefully staying long enough to make a purchase. However, the fact of the matter is a large percentage of your website's visitors will leave after viewing just one page. They will […]
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Although parenthood is undoubtedly rewarding, at times your house can begin to resemble something that may have been hit by a hurricane. In fact, make that all the time. If you are struck with despair every time you look at the state of disorder that your home has fallen into, fret not! When used together, […]
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Are you tired of seeing excess body fat each time you look in the mirror? This can prove to be a frustrating experience, especially if you've tried different diets and workout programs but don't seem to get any results. While it's tempting to use the latest fad diet, you may be better off starting with […]
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Physical appearance is extremely important to any person out there. Beauty is something that grabs massive eyeballs as soon as it walks out. However, the reality is that not everybody has a natural beauty. The good news is that anyone can improve their look by following a few beauty tips or by getting some professional help. Start having an attractive look by taking care of your skin. Yes! You heard it right. A clear skin tone is something that can greatly uplift a person's look. However, not many people have a great skin tone these days. Well, don't worry, I am here to help. With a minimum investment of time and energy, one can easily get a great skin that gives a youthful look and is also very attractive.
Photo: Self
Want to know more? Keep reading. Here are five tips for taking care of your skin:
Sun has extraordinary powerful rays that are not good for our skin. Too much exposure can cause massive damage. It is very important to avoid sunlight as much as you can. Try not going out between 10 am to 4 pm. During this time, the sunlight is at its highest concerning the intensity of the heat and the damage that it can cause to one's skin. Moreover, when you go out, wear a protective sunscreen on your face. Wear full sleeves in summer and avoid wearing clothes that expose the upper part of the body.
It is imperative to take a good night sleep. People who don't sleep well will very likely get dark circles around the eyes and might even start aging fast. For example, if you are reading as a concerned parent, then you can use a phone tracker to check if your daughter or son stays up late at night. A good night sleep will not only make a person more active but will also motivate him/her to live on a healthy lifestyle.
The intake of important vitamins and nutrients for the body is very crucial. Most people who have a history of acne and blisters will tell you about the foods that compel the issue. Eat fresh fruits and vegetables if you want to have a clear skin tone. Moreover, try to avoid eating from outside and oily foodstuffs. Moreover, stay hydrated as much as you can. More than 60% of the human body is water; therefore, it is important to provide the body with what it is made of.
Stress can cause the formation of wrinkles and forehead lines. Do you want to grow old fast? You surely wouldn't. It is always great when one can manage to look fresh and vibrant. Stress can lead to anxiety, and that can transition in depression. Therefore it is better to think like an optimist and always be positive about everything.
We live in a world where pollution is rampantly growing every single day. It is very important to take care of the skin in terms of cleansing. Consult a dermatologist if you are not sure about using the right product. A skin specialist will suggest a suitable product that can go well with your skin type. Cleanse your skin at least two times a day to remove extra dirt from the face. Along with that, skin cleansers also help in lighting the skin tone and making a person look fresh.
Conclusion!
Well, as discussed, there's nothing better than an attractive look. Taking care of the skin should be a top priority for a healthy life and good appearance.
See also: 7 Dangerous Daily Habits That Are Aging Your Skin.
Keep being AllDayChic!
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Did you know that 53% of mobile users would leave your website if it takes more than 3 seconds for it to load? This Google research should be enough of a reason for you to check your website performance and optimize your website speed, as you don't get a second chance for leaving a good […]
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Birthdays. Christmas. Hanukah. Mother's Day. Father's Day. The list of days to celebrate never seems to end, and while we all love spending time with friends and family with great food, wine, and company, there's just one problem – gifts. For every occasion, there's a gift to be given. People are fickle and fussy, and […]
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The North and South Carolina coasts are among the most sought after travel areas in the country. The southern beaches that dot the coastline of the Carolinas are beautiful with warm summers, relatively gentle waves, and wide sandy stretches. The Carolinas are also known for their sense of southern hospitality, fresh seafood, and a casual, […]
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If you're going to level up your shaving game, you need to simplify your tools. Those fancy, electric razors won't cut it. Today's electric razors are built with advanced technology, but they won't give you a close shave. Neither will disposable and cartridge razors. Some electric razors can be charged via USB, but if a razor doesn't give you a close shave, it's not really advanced.
Photo: Loepsie
Other than a straight razor, there's only one kind of razor that will give you a close shave: a safety razor. If you're already using one, that's fantastic news for your face. If not, here's why a safety razor is the advanced technology you've been waiting for:
Sometimes the simplest technology is the best. Electric razor technology is complex, and few people can repair their own shavers. Safety razors are so simple, you'll never need to send them in for repair, yet they provide a closer, more comfortable shave.
Safety razors are the best kept secret hidden in plain sight. There's only one blade, and it's sharp enough to give you a close shave with just a few passes. With multi-blade cartridge razors, you'll end up scraping your face far more times than you would with a safety razor. The same happens if you try to shave your legs or other body parts.
Not only are cartridge blades dull and require using five or more passes in the same spot from multiple angles, but each pass is actually multiple passes due to the additional blades. For example, a 5-blade razor scrapes your face 5 times with one pass. After ten passes, that's 50 scrapes. Ten passes with a safety razor is only ten scrapes. And because the blade is sharp and requires almost no pressure, you're not scraping your face as hard.
Those thin little plastic disposable razors don't look good in your bathroom. Aside from causing ingrown hairs, irritated skin, and nicks, disposable razors are ugly. By switching to a safety razor, you're simultaneously upgrading your bathroom décor.
Safety razors come in various designs, including jet metallic black and traditional silver. They look cool on your bathroom sink resting in a stand next to a scuttle, a brush, and a puck of shaving soap.
Photo: Dappered
There's no way around it. Using a disposable razor is going to dry out your skin. You have to scrape the blade across your face numerous times to get a sufficient shave. That little moisturizing strip at the end of the blade isn't going to magically moisturize your face while you shave. It's also full of toxic chemicals, including known and suspected carcinogens like polyethylene glycol and BHT.
Hot water opens up your pores, making it easy for bacteria and other substances to enter your bloodstream. You don't want the chemicals in moisturizing strips entering your bloodstream.
Using a disposable razor dries out your skin and exposes your face to bacteria. Each time you scrape a razor across your face, you're collecting bacteria and re-depositing it as you continue to shave.
Ever notice you still get razor bumps after shaving with a razor that has a moisturizing strip? Moisturizing doesn't prevent razor bumps. The design of the razor is flawed. Multiple blades rip the hair out of your face and that's what causes bumps. If you want to moisturize your face, you need to do it after your shave (and after your pores have closed).
Razor burn comes mostly from making multiple passes across your face with a dull razor. Switch to a sharp safety razor that requires little pressure and will give you a close shave with only a few passes.
Shell out $30 for a decent safety razor and you'll be set for life. As long as you keep your razor in good condition, it should last for multiple generations. Replacement blades cost anywhere from a quarter to fifty cents each. A blade will last approximately eight shaves.
There's no reason not to switch. The technology of a safety razor has and always will exceed the so-called advanced cartridge and disposable razors. When it comes to shaving, there is no technology greater than a single, high-quality, sharp blade.
Keep being AllDayChic!
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Ladies and gentlemen, allow me to present you the most interesting erotic blog of the moment! It's so complex and so complete that it will become your all time favorite lecture. The posts are very well written, the topics are diverse and many and there is always something new to explore. This blog presents itself […]
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When it comes to managing your financial life, you are going to have to cover a lot of factors while doing so. Essentially you are going to want to have a bank account (checkings or savings) in order to keep your fund safe. You may find out that a lot of people don't actually […]
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So you're thinking of buying a new car. You may want to consider car financing options such as automotive loans. While taking out a loan to buy a car is great, this option limits the amount you can ask from a lender based on your credit score rating and income. Here's how a car loan […]
The post Your Credit Rating and Income Level Can Limit Amount of Mortgage You Get appeared first on Incredible Things.
Quirky is not a word that immediately springs to mind when you think of Portugal. It's better known for its cheap, good food, warm weather, top quality beaches, and welcoming people. Typical, however, is not something every traveler is looking for. If you're the kind of traveler that enjoys things a little more unusual, here […]
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There are many reasons why a construction company might fail. Find out what some of these reasons are and how to avoid them here. Starting any business is always challenging, and it's no different for the construction industry. There are lots of obstacles to be overcome and unless you are prepared there is always the […]
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Bathrooms, along with kitchens, are where homeowners get the most bang for their buck remodeling. There are basic upgrades and design changes that can be made to improve bathroom function and beauty. Bathroom redesigns are a great way to increase equity in a home. They also make living there a lot more enjoyable. Everyone loves walking into a great bathroom with color and modern appliances. People start and end their day in their bathrooms. They retreat there for a moment of silence after a hard day's work or taking care of kids. Homeowners love to show off bathrooms to guests.
There are so many amenities and finishes that are specifically made for ultimate bathroom experiences. With so many choices, it can be hard to settle on specifics. The right way to redesign a bathroom is by sticking to the classics with a little personal flair that will make things pop. Here are a few suggestions on what you can to for a fantastic bathroom.
Photo: www.ofdesign.net
The bathroom space is where home technology improvements really shine. You can get a high-tech toilet that will keep the seat warm and flush for you. It'll also spare couples a lot of fights by automatically lifting and lowering the toilet seat. Heated floors are another great tech option in bathrooms. People who live in colder climate swear by them. They make waking up in the middle of the night to use the bathroom a pleasant experience. If you really want to splurge, you can get TVs embedded in bathroom mirrors, automatic sink faucets, heated towel racks and much more. The sky's the limit for technology upgrades in bathroom design. Your choices will ultimately come down to what your budget is and how long you plan on staying in your home.
Photo: Homedit
It's always a good decision to go high-end for bathroom counters. Marble countertops are the quintessential sign of good taste and luxury. The good news is, bathrooms often have limited countertop space when compared with kitchens, so you're not going to break the bank spending on marble for the bathroom. Marble is something most people have their eye out for when they're looking to buy. It will add thousands of dollars to the sale price, so don't worry, marble countertops are an investment that will pay off in the end. You'll also get to enjoy the beautiful vein work and colors of marble every day in your own bathroom. It's a versatile, durable material that can go with almost any color scheme.
Photo: Design-Milk
Dark bathrooms are seldom a good idea. Bathrooms don't usually have a lot of window space for privacy reasons, so things can get dark inside. Keep things light should be your mantra during a bathroom remodel. Do what you can to get as many windows there as possible without overexposing anyone inside. The more natural light you can get inside will make your bathroom pop even brighter. For paint, still to lighter shades as well. That doesn't mean you can't take a chance on colors. Go for it, express yourself, but just don't do it in heavy colors that will make the room feel smaller than it really is.
Photo: House Beautiful
Tile mosaics are the perfect artistic expression in bathrooms. They can be as small or large as you want and will bring a unique feel into your bathroom. A lot of homeowners want something in their bathrooms that make it one of a kind. They want to put their individual stamp on the room when they redesign it. Splashes of tilework on a wall or behind a sink or toilet is the perfect way to do just that. A beautiful tile mosaic will give you just the right amount of pop in your bathroom to draw people's notice but not feel overwhelming. When thinking of design, go for something that evokes tranquility to keep the atmosphere in the bathroom one of calm and relaxation. One of the major trends in recent years is to go for some sort of Mediterranean mosaic on a bath wall. They look great and will definitely make your bathroom stand out.
Ultimately, the best bathroom remodels are the ones that stick with what works and mix in some bold design choices. It's all about striking a balance between pushing the envelope and respecting the classics. There are so many resources and places to look for inspiration online now that there is no shortage of ideas. Just go look and find what you love. Mix and match until you have your vision nailed down. Think about any little twists you can put on them to make the bathroom truly yours. You'll be loving your new bathroom for years to come.
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The post Unique Ways to Make Your Bathroom Design Pop appeared first on AllDayChic.
Sometimes we can't stand but being a bit of a jerk and blasting our music in public. Don't let the angry glares of strangers and fellow subway passengers discourage you from doing so. To annoy those around you to the point of having them want you sock you one, get the Anker Soundcore 2 Portable […]
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