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Knowing basic principles of house artwork is an essential first step to succeeding. One preventative evaluate that you need to adhere to is that of dressed in the appropriate safety protection equipment. . On another, observe, be sure the individual offering the calculation actually spends some time examining your house.The use of right resources:To get the job done well it is also essential for you to use the right resources. Therefore, it will pay to select shades that are well coordinated as synchronized shades will create a nice first impact and they will improve the value of your property. A good calculate is not something that someone can do over the cellphone.You also need to find out which kinds of color, for beginners and color resources are required to get the job done to your entire fulfillment. There are many different dye kinds to select from and different providers are going to offer their own selection of shows. These consist of cost-effective specialist quality shows as well as the more expensive top quality qualities.

Before investing your cash on color, resources and artwork resources, you have to address a few essential issues that include:Choosing the right color shade and sheenChoosing the appropriate color type, for beginners and suppliesBuying the right toolsLooking after the color preparationStudying how to implement the dyeStudying to implement the dye safelyThe perfect color selection:Choosing the right color shade and gloss is a very essential part of every house interior painting venture. The right artwork and painting strategy is sure to drive the best complete. Studying on the job while, your painting your house, it is very necessary to keep in mind the reliable and competitive Painting Contractor in Chennai.Choosing commercial painting services the right color shade and gloss is a very essential part of every house painting services interior venture.Conclusion:Since people spend much cash in their houses, it seems sensible for them to take actions that will help to secure that financial commitment. It is essential understand that shades are the first thing that a person realizes about a home. You need resources for color planning, color protecting up and color application.

It is crucial that you choose the right Painting Contractor for your house.Introduction:A house artwork venture must be managed meticulously. Painters in Chennai are providing the best services for your homes.House painting techniquesHouse artwork and painting tasks include three main painting techniques: masking/covering, planning the outer lining area and painting/staining programs. It will pay to buy professional quality resources, as these will help you get the job done in less time. A properly implemented venture will not only improve the value of your home but it will also ensure a positive result.Painting Services The exterior house painting services Containers homes are intended to be quite challenging if tried by a personal that is not an experienced. For example, many things must be taken into consideration, such as the levels, the quality of the completing, and the way in which the whole process is handled because it can modify the end outcome considerably

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برچسب : نویسنده : modularschool modularschool بازدید : 242 تاريخ : دوشنبه 3 تير 1398 ساعت: 15:55

While you have directly participated in the loan program, you have to fulfill other criteria The property has to cover less than 2,000 sq. However, it has a broader meaning, while you approach the USDA Home Loans Dallas. After fulfilling the criteria, the lenders will assist you to go through the lending process. The best fact is that 9% of the territory in the USA has become eligible for the loan. You can find a standard closing cost, and there is no penalty against your prepayment. The major requirement is the location of your property in the rural sites. By having this loan, the qualified property buyers may construct, refinance or buy a house. Thus, USDA loan is intended for the development of house in the rural sites. Rural Development loan- Have an idea on it- As one of the qualified rural house or suburban house buyers, you have an opportunity to get 100% financing assistance with the USDA-backed home loan. To build a house in those sites, you can get this loan. Until 1990s, there was no special loan scheme for the rural home development.

However, it is essential for you to know all the property-related requirements. It indicates the rural sites, where the number of population is not more than 35,000. You will be able to finance your home deal fully with the use of USDA loan. There is no ARM with this loan scheme. Thus, it is essential for you to find out the eligibility requirements to apply for home-loans/ Rural Home Loans. Thus, it is essential to know the definition of the rural zones. . Two major things, differentiating Rural Home Loans are- The amount of down payment The type of loans In case of USDA home loan, there is no down payment issue. Apart from that, everything about USDA loan is much similar to that of other mortgage loans. ft. This loan is applicable not only to the new buyers but also to the repeat investors. However, after that, the USA citizens have started relying on this loan. For these buyers, USDA Home Loans Dallas can be the appropriate choice. When we use the word, rural, we usually think of the farmland.Some property buyers like to invest on a house in rural Container Room regions in the US. At present, it become one of the popular loan programs to the suburban or rural house buyers in the USA.

 

Thus, as one of the American residents, it is essential for you to lea more of this loan. The goal behind creating USDA loan scheme is to offer a clean, safe residence to all the households, having low or moderate income. You can get lower rates with your USDA mortgage. However, your property address and income eligibilities are the major factors to help you in getting this loan. (Not for the big families, having more than 5 members) There must not be any pool The house should not be for generating income The market value of the house must not be more than the loan limit in your region You have to use the building as your primary residence Easy accessibility to the driveway and street There must be all the major utilities, wastewater disposal and drinking water Not all properties are eligible for home-loans/home-loans-dallas/ USDA Home Loans Dallas. Rural- What does this term denote? We are going to talk about the rural housing loan

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برچسب : نویسنده : modularschool modularschool بازدید : 257 تاريخ : پنجشنبه 30 خرداد 1398 ساعت: 15:44

.So it is with us.I think the question is so striking because most of us have felt that way at some point in our lives. We build our lives in a distracted way, reacting rather than acting, willing to put up less than the best. At important points we do not give the job our best effort. If we had realized, we would have done it differently. It was an unfortunate way to end his career. You can also subscribe to our f*r*e*e 10 day e-program on how to enrich your relationship today, from relationship coach and expert Jeff Herring.When the carpenter finished his work and the builder came to inspect the house, the contractor handed the front-door key to the carpenter. Then with a shock we look at the situation we have created and find that we are now living in the house we have built."

This is your house," he said, "my gift to you. It's the only life you will ever build. The carpenter said yes, but in time it was easy to see that his heart was not in his work.The contractor was sorry to see his good worker go and asked if he could build just one more house as a personal favor.Here's a story emailed to me (thanks Aunt Jan) that does a nice job of setting the stage for designing the kind of life you want:An elderly carpenter was ready to retire. Your life tomorrow will be the result of your attitudes and the choices you make today."What a shock! What a shame! If he had only known he was building his own house, he would have done it all so differently. Think about your house. Now he had to live in the home he had built none too well.

I know I have, and so have lots of the folks that tell me their stories every day.Have you ever felt like you've become the worst possible version of yourself? - Tom Hanks in "You've Got Mail"Have you ever been relaxing at the movies, enjoying a nice lite movie, only to get blown away by a line said in passing?That's what happened recently as my cheap containers to grow vegetables wife and I watched You've Got Mail with Tom Hanks and Meg Ryan. Even if you live it for only one day more, that day deserves to be lived graciously and with dignity.com for tips and tools for creating and growing a great relationship. The couple are having an ongoing email courtship, exchanging messages in the wee hours of the night, when this question comes out of nowhere: have you ever felt like you've become the worst possible version of yourself?And I thought we were just going to the movies.

Build wisely. He told his employer of his plans to leave the house building business and live a more leisurely life with his wife enjoying his extended family. Each day you hammer a nail, place a board, or erect a wall. He resorted to shoddy workmanship and inferior materials. The plaque on the wall says, "Life is a do-it-yourself project."Your life today is the result of your attitudes and choices in the past. ? Author Unknown.Think of yourself as the carpenter.I'll close with these two questions:1 - Are you happy with the results of the attitudes/choices/decisions you've made that got you here?2 - What do you need to do, beginning today, that will support you in being happy with the attitudes/choices/decisions you've made 3 months from now? six months? a year? 5 years? 10 years? and the rest of your life?Visit SecretsofGreatRelationships

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برچسب : نویسنده : modularschool modularschool بازدید : 269 تاريخ : سه شنبه 28 خرداد 1398 ساعت: 10:11

For more articles, tips, reports, newsletters, and sales flyer template, see . If you're dreaming of becoming an investor, here are several important questions to consider, long before you buy your first investment property:1) Why would a homeowner sell a house at a bargain price?Many things happen in people's lives that make their home suddenly become a burden.Asking yourself these questions will help get you started in your real estate investment career, and keeping these answers in mind at all times will keep you from making costly mistakes as you buy and sell investment properties. We call that type of house a "doghouse.Many folks dream of becoming real estate investors, but not everyone has what it takes. In any case, the home has become a problem, which is where you, as an investor, come in.4) Should you try to close quickly?

This is an important step in becoming successful, because beleaguered sellers will almost always be in need of money in as short a time as possible. Fisher.Professor Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, Joy to the Home, and other books teaches Real Estate Investing and Design Psychology. You can also find similar properties yourself, using the local newspaper or shopper. Being able to let sellers know they'll get paid fast will consistently net you more houses than your competition."3) How do you find doghouses?Your real estate agent can scan the MLS listings, looking for fixer-uppers, handyman specials, or as-is houses.(c) Copyright 2004, Jeanette J.5) How do you flip houses fast?Find ugly homes, in good neighborhoods, that need as little work as possible.

Get yourself prequalified and preapproved for a loan, so you can close on the property quickly.2) What types of houses should you look for?Besides being owned by someone who no longer wants or can afford to stay in a property, you want to find a home that's only tired, and not in need of structural work in order to favorably compete with similar houses on the market. Loss of income, divorce, or illness are the most common, but sometimes a homeowner dies, leaving a home that none of their heirs wants.

Always keep your limitations in mind. All Container Room rights reserved. The homeowners, or the heirs, have a problem, and you must find a way to offer a solution. Clean them up, paint them inside and out, and install a neutral shade of new carpet, and you should be able to flip the home in a short amount of time. Hiring professionals for repairs will cut into your profit margin

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برچسب : نویسنده : modularschool modularschool بازدید : 305 تاريخ : سه شنبه 21 خرداد 1398 ساعت: 9:35

Most often, a bridge loan is used to pay off the existing mortgage, with the remainder (minus closing costs and prepaid interest) going toward the down payment on the new home. What to do?The real estate agent advises that you could make what's called a contingent offer; buying the new house is 'contingent' on you selling the old one. It pays to take the time to understand what you're getting into.Usually people who take out a bridge loan will use the funds to pay off the old mortgage while putting the rest towards the new home's down payment, first deducting any closing costs and prepaid interest.A bridge loan bridges the gap between the two transactions and is often the difference between getting the house of your dreams and missing out entirely.

In a perfect world you would have your house on the market will potential buyers making offers before you make any offers yourself.Typically, the loan is structured with a relatively short term, usually six months to a year, and hefty prepaid interest. You call up the real estate agent and make an appointment to go see what the market has to offer. If you're willing to pay the higher rates and fees that come with a bridge loan you can buy yourself some extra time.So you're thinking of getting into a bigger house. The borrower typically must begin making these payments after six months if the house still hasn't sold. It's everything you've ever wanted in a home unless your married, in which case it's everything your wife has ever wanted in a home.

Before you do anything talk to someone who has experience in the financing side of the real estate market.Because of the risk involved in making a loan on collateral with only possible future value (the future sale of the old house), most lenders charge high interest rates on their bridge loans. If after six months the old home has not sold, the borrower begins making interest-only payments on the loan. This can save you a considerable amount of money. You haven't even put your old house on the market yet. Bridge loans can also be setup to completely pay off the old mortgage or to add the new mortgage to your current debt.While a bridge loan can get you the house you want when you want it, it can be a pricey option in the long run.

There are more options for borrowers every year shipping container school and consequently the process gradually gets more complicated.But before you give up all hope of getting into the home you want, first consider a bridge loan. Then you find it, the perfect move-up home.Oops, says the agent, Your old home isn't even listed yet? You may have wanted to do that before we went house hunting. When the home eventually sells, the bridge loan is paid off; if the house sells with in six months, all uneaed interests are credited to the borrower.About the AuthorCameron Brown is an inteet marketer specializing in ranking automation. However, because of fluctuating market conditions, getting the timing right can be difficult.

If it's an option for you, it may be a better idea to borrow against assets such as stocks or your 401(k). For information on how a bridge loan can benefit you, visit Security National Capital.A bridge loan is a form of second trust that is collateralized by your present home in a manner that allows the proceeds to be used for closing on a new house before the old house is sold.You'd make an offer right then and there but realize you need to sell your old home before you can by this one. Your offer is a little too 'contingent' for most sellers?they probably won't take it

 

 

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برچسب : نویسنده : modularschool modularschool بازدید : 221 تاريخ : سه شنبه 7 خرداد 1398 ساعت: 10:16

If a house is what's right for you, buy a house. When he is home, all he wants to do is sleep and watch TV. But, if you're a single young executive who works 80 hours a week, or you're retired and travel most of the year, then perhaps a condo is the right choice for you. My favorite example of this is as follows:"A friend of mine asked me to help him find a home. Most of this debate comes from a lack of understanding about condos, and what they are.A big debate these days is whether or not to buy a house, or buy a condo. But keep in mind that the condo association is made up of owners who have the same goal as you? Having a comfortable place to live that is building equity. Ask anyone who owns a house how much it cost them for their last fuace. It's just as easy to get "bad" neighbors when you buy a house as it is when you buy a condo.

After looking at the amount of continuous maintenance required for an acreage, he realized that acreage living wasn't for him. Every person has to make their own decision, based upon their own lifestyle; now and in the future.The board can force you to pay thousands of dollars arbitrarily, and without notice. It is true that you can be forced to move, if you are really disturbing the other owners, or causing problems. The members of the condo association do not make any money from their positions."Make your own decisions, based upon what's best for you. They are owners like yourself, who are volunteering their time.How much time do you spend at home?Do you want to shovel walks and mow lawns?Are you used to having your neighbours far away from you?Is the condo association that you're considering favorable to your children's lifestyle?

Do you want a low maintenance home, or do you like tinkering in the yard and garage?Who's going to be living there? What are the neighbors like?In fact, these are issues to consider on any home, not just a condominium. He wanted to buy an acreage so that he could have privacy. By purchasing as a group, they can often get these services at a lower rate than a single home owner can. Here are some factors to consider in your decision. Heat, water, insurance, and maintenance are examples of such expenses. If a condo is where you'll be happiest, then buy a condo. There can, however, be "special levy's" brought about by unexpected maintenance in the building. Hopefully, the following information will prove to be helpful. But this is true of residential homes as well. He's a single young man who travels 75% of the time for his job and is rarely at home.

That simply isn't true. Condos aren't for everyone. If your neighbors complain repeatedly about smell, health conces, or criminal behavior, then you may be forced to move. Also, many condo associations pay for their monthly expenses as a group. When you buy a condo, you are buying a part of the corporation, and are thus an equal owner.5 children, and 4 cars? a condo probably isn't for you.When Buying a condo, are you a tenant?No. The same holds true in condos and houses alike.Condo fees cost too much each month!Again, not necessarily true. The best advice that can be given is to research your choices, and be objective when choosing a home..At first glance, this may appear to be true.

The same holds true of a house as well; the expenses just come from a different place.I could never live in such close quartersThat's probably true. If you have 3 large dogs, 3. If you were to add up the amount of money that a family spends over 5 years on the maintenance of their house, you'll usually notice that it equals more than 5 years worth of condo fees. The advantage in a condo association is that you share these costs with the other owners, and are forced to save money in advance for these repairs, through the reserve fund. He's very happy in his apartment style condo. Only you can make that decision, as it is a lifestyle choice. Or how much containers homes for sale they spent repairing the water leak, and replacing the shingles

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برچسب : نویسنده : modularschool modularschool بازدید : 243 تاريخ : پنجشنبه 2 خرداد 1398 ساعت: 13:31

As a housing bubble buyer you have the power to get much more house for your money. Since the prices are being driven up the more you spend the more it is going to be worth in a couple of years. The amount that you will make will more than make up for this factor. That is why these mortgage brokers are so in need of good counterparts.AN investment loan is something that is getting more popular all of the time. The problem for the lenders is that by offering different loans to different areas that could be considered discrimination, what then? Isn't discrimination illegal? It could be in some places. This is a great choice for those who do not want to be paying too much in the beginning stages of their mortgage.

Once it does you and the lender stand to lose a significant amount of money. There is a good reason for this and that is the fact that housing markets have so many more costs involved. This means that you stand to make much more money than if you bought smaller and an option ARM will only give you even more power to buy. But remember as an investor that this might sound good, and it is god, but only as long as the housing bubble does not burst. Lenders need to be very careful because the market could collapse at any moment. They need to find the right lenders to work with and that can be a challenge as well.Are we in a housing bubble? To answer that question first we need to understand what a housing bubble actually is.

You will find that financial markets are much more prone to market bubbles than the housing market.It can be difficult for mortgage brokers to get a fair shake when their rates are not competitive enough, but they can only do so much before they are taking to large of a risk. The bubble will not burst until people start to doubt the reasoning behind the increase.

For example you have to deal with sales commissions and other carrying costs.It is far more risky for both the borrowers and the lenders when they are working in an area that is in a price bubble.Martin Lukac, Califoia mortgage Lender ( . This type of investing can bring in a lot of money to the investor if they know what they are doing. Lenders have it tough because either way they stand to lose a lot and the competition is high everywhere.But how do you really know if you are in a housing bubble? Is it possible to speculate on price increases when you are in the midst of new construction?

Can you actually avoid transaction costs? Yes it is possible but there are a series of buys and sells and loans involved which is a lot of work for many people. Once the bubble is burst the market will take a sharp drop. A housing bubble is what happens when the there is a significant rise in the market that is mostly due to the expectation that the prices will continue to rise. This is an especially risky loan to give when in a housing bubble. Even though the balance on the loan may be getting larger at first this does not matter in the least when you are standing to make so much more money. If you want to make the most out of the shipping container school money you have to spend on a house you will want to choose the option adjustable rate mortgage.Price appreciation is the key to all housing bubbles. Many people buy homes not to live in themselves but to rent out for profit

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ما را در سایت modularschool دنبال می کنید

برچسب : نویسنده : modularschool modularschool بازدید : 266 تاريخ : سه شنبه 31 ارديبهشت 1398 ساعت: 10:35

As a housing bubble buyer you have the power to get much more house for your money. Since the prices are being driven up the more you spend the more it is going to be worth in a couple of years. The amount that you will make will more than make up for this factor. That is why these mortgage brokers are so in need of good counterparts.AN investment loan is something that is getting more popular all of the time.

The problem for the lenders is that by offering different loans to different areas that could be considered discrimination, what then? Isn't discrimination illegal? It could be in some places. This is a great choice for those who do not want to be paying too much in the beginning stages of their mortgage. Once it does you and the lender stand to lose a significant amount of money. There is a good reason for this and that is the fact that housing markets have so many more costs involved. This means that you stand to make much more money than if you bought smaller and an option ARM will only give you even more power to buy. But remember as an investor that this might sound good, and it is god, but only as long as the housing bubble does not burst.

Lenders need to be very careful because the market could collapse at any moment. They need to find the right lenders to work with and that can be a challenge as well.Are we in a housing bubble? To answer that question first we need to understand what a housing bubble actually is.You will find that financial markets are much more prone to market bubbles than the housing market.It can be difficult for mortgage brokers to get a fair shake when their rates are not competitive enough, but they can only do so much before they are taking to large of a risk. The bubble will not burst until people start to doubt the reasoning behind the increase.

For example you have to deal with sales commissions and other carrying costs.It is far more risky for both the borrowers and the lenders when they are working in an area that is in a price bubble.Martin Lukac, Califoia mortgage Lender ( . This type of investing can bring in a lot of money to the investor if they know what they are doing. Lenders have it tough because either way they stand to lose a lot and the competition is high everywhere.But how do you really know if you are in a housing bubble? Is it possible to speculate on price increases when you are in the midst of new construction? Can you actually avoid transaction costs? Yes it is possible but there are a series of buys and sells and loans involved which is a lot of work for many people.

Once the bubble is burst the market will take a sharp drop. A housing bubble is what happens when the there is a significant rise in the market that is mostly due to the expectation that the prices will continue to rise. This is an especially risky loan to give when in a housing bubble. Even though the balance on the loan may be getting larger at first this does not matter in the least when you are standing to make so much more money. If you want to make the most out of the shipping container school money you have to spend on a house you will want to choose the option adjustable rate mortgage.Price appreciation is the key to all housing bubbles. Many people buy homes not to live in themselves but to rent out for profit

modularschool...
ما را در سایت modularschool دنبال می کنید

برچسب : نویسنده : modularschool modularschool بازدید : 266 تاريخ : سه شنبه 31 ارديبهشت 1398 ساعت: 10:29

It is going to promise an individual coverage for any unforeseen difficulties or even injuries. Along with professional house cleaning London people make it effectively and as well accomplish your hard work effectively. Professional house cleaning London you can find. In the event that you are interested in quality home cleaning products and services, following suggestions are a good idea: Referrals by people an individual have confidence in usually are the simplest way to uncover acceptable assistance house maid.. They will create your property clean up and clean. In order that provides the suitable products and services by these companies and save your cash and occasion. Along with countless agencies, the idea becomes difficult to select maid services London services.

A few cleanups is called for his or her reliabilities and their particular attributes to be able to seek the services of appropriate expert home cleaning products and services. Make sure you ask for at the least three referrals and make sure to check out these people.Throughout today’s occupied day-to-day lives, every one of us will need encouraging hand for carrying out our day by day house cleaning tasks. Some of the house cleansers usually are best fitting to the home cleaning. For those who have plenty of perform problem or even want to are living a tad secure lifestyle, it is advisable for you to contract house maid services London for day-to-day house cleaning tasks. We are receiving for all products and services which are fuished by this expert home cleaning products and services. They will don’t acquire occasion for themselves.

Should the assistance is actually present within the complete time frame then you exempt from home cleaning. Check out, if your report on corporations recommended usually are light steel modular house bonded and covered with insurance. Home cleansers have become high-priced they're incurred per hour time frame to be able to seek the services of these cleansers however usually do not squander your time and efforts and obtain the effort at their store throughout suitable manner. Leave out corporations which are not bonded and covered with insurance. They will fill up this customer’s qualification.

If you locate something you would like, lea the way long they are operational and get for referrals. Professional house cleaning London and services for you to difficulty some sort of qualification involving culpability. Typically everyone is extremely occupied that you experienced however regarding leisure time they want to take pleasure in your time and efforts as opposed to in house cleanup, they might seek the services of expert home cleaning products and services. On the other hand, getting a quality house maid assistance is often a hefty undertaking.

Yet firstly we have to decide which in tu better is best suited for your purpose. Especially, doing the job females experience depleted throughout managing both office and home work themselves. For that reason, they lose interest both in their work opportunities or even personal lifestyle and obtain into grasp involving stress along with other actual and inteal issues

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برچسب : نویسنده : modularschool modularschool بازدید : 227 تاريخ : پنجشنبه 19 ارديبهشت 1398 ساعت: 12:44

Do you wish to rent a Guest House Yorkshire ( guest-house-yorkshire )? Contact us as we also offer Catering Service Yorkshire ( catering-yorkshire ). Although, there are hotels too, opting for a guest house would be a cost-efficient option. Besides, you will have unlimited freedom and therefore can do whatever you want. Most importantly, a guest house offers homely atmosphere, which lacks in any Steel Structure Building hotel. The county boasts so many visitor attractions, which is the reason why holiday makers find this place worth visiting.

Every year millions of people flock here to be a part of its beauty and serenity. If you look around a bit, you will find both lavish and budgeted guest house. However, if you wish to throw a party in one of these guest houses, you need to talk to the executive and he or she will make the rest happen for you. In case of guest house, you have the freedom to cook your own meals or contact their catering service Yorkshire.

This is because you will get way more personal touch in the services provided by a guest house executive than a hotel. . Each guest house Yorkshire offer customized services to the travellers.Incredible landscapes, fells of the Dales National Park, the coastlines in Riding, the Gothic Cathedral, small street cafes and narrow cobbled streets make Yorkshire a beautiful county. Plus, there is refrigerator too stuffed with drinks of your choice. They have fully fuished rooms with en-suite bathrooms, communal library, patio, two dining room and guest room. These guest houses offer comfortable accommodation to the weary travellers.

Each room has air conditioning and heating systems. Besides, the people in Yorkshire are very friendly and they will make sure to provide hospitable services. Each guest house is beautifully designed, keeping a proper harmony in the old and mode architecture. These guests house even come with free WiFi connection and allow you to use inteet as much as you like. A few hotels on the other hand may want you to follow some of their rules and regulations. And on considering the comfort of the visitor many guest houses have been set here.

Whether you want an English breakfast, vegetarian or continental breakfast, you will be served the best item. If you are planning to stay in Yorkshire for a week or more, guest house would an ideal option for you as then you will neither will you have to pay more nor will you feel sans the comfort of your home. If you want to rent a guest house for a few days, search online now.

The guest houses work with experienced and skilled chefs who ensure that the best quality meals are served to the clients. Not only that, stay in a guest house Yorkshire will be way more affordable than staying in a hotel. Most guest houses are equipped with mode day amenities providing all sorts of facilities to the clients. The best part about this county is that it has a European touch in its beauty

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برچسب : نویسنده : modularschool modularschool بازدید : 223 تاريخ : سه شنبه 17 ارديبهشت 1398 ساعت: 10:01