Borrow 100 dollars - Do you need to borrow $100 before your next payday? Compare short-term loans and see the funds hit your account as soon as the same day.

 
Calculating real return in last year dollars. Nominal interest, real interest, and inflation calculations. Lesson summary: nominal vs. real interest rates ... they would be paying you to borrow money! ... if Person A borrowed $100 from Person B at 3% yearly nominal interest, but inflation is 4%, then Person B will end up losing money. Comment .... Moon palace cancun resort map

Small loans in the amount of $50 - $100 will likely cost you around $10 - $15. We usually offer installment loans but for micro financing you should expect to pay the funds back in one payment. Cash King Co is not a lender and therefore can not quote you interest rates and loan terms. If you receive an instant $50 loan offer the APR and terms ... For every $100 borrowed you pay a $6 fee. If you borrow $400, your fee will be $24. You’ll pay back a total of $424 in three monthly payments of approximately $141.33 each. Your total cost to borrow (annual percentage rate) will be 35.65%. Dollarbid.com.au is an online marketplace that connects you with 100s of lenders who compete to fund your loan. Get started in two easy steps; We'll collect some details from you to help us match you with a personal lender. We'll automatically connect you to the lender who will process your loan - Easy right!Many $100 loans are payday advance loans. This suggests you obtain the cash plus a cost and pay it back within 2 to four weeks-- the next opportunity you earn. More than 80% of folks that secure one are authorized. Typically, finance companies demand a level charge on a $100 loan, typically in between $15 and $30 that you repay plus the loan.Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule. Loan amount ($) Annual interest rate (0% to 40%) Term of loan (months) (1 to …Personal loans for $200,000 are very rare, but some lenders offer $100,000 maximums. Many lenders cap their maximum loan amount at $40,000 or $50,000. The higher your credit score, the more likely ...Apr 2, 2024 · NerdWallet's Quick Loans: Best Lenders for Fast Cash in 2024. SoFi Personal Loan: Best for Fast loans with same-day approval, same-day funding. LightStream: Best for Fast loans with same-day ... The PayDaySay Advance is one of the best loan apps to borrow 100 dollars, with over 620,000 users nationwide. It’s a $100 payday loan app for unemployed and employed individuals, as the app doesn’t check your credit history or score. PayDaySay Advance App offers loan types, including payday loans and personal loans. The monthly payment on a $15,000 loan ranges from $205 to $1,504, depending on the APR and how long the loan lasts. For example, if you take out a $15,000 loan for one year with an APR of 36%, your monthly payment will be $1,504. But if you take out a $15,000 loan for seven years with an APR of 4%, your monthly payment will be $205.Eligible Cash App users can borrow money by taking these steps: Open Cash App. Find “Borrow” on the home screen or under the “Banking” tab. Tap “Borrow”. Tap “Unlock”. Select a loan amount. Select a repayment plan. Accept the loan agreement. Accept the loan.Putting these values into the equation: 286.84 = 15, 000i(1 + i)60 (1 + i)60 − 1 286.84 = 15, 000 i ( 1 + i) 60 ( 1 + i) 60 − 1. From here you would need to solve the equation for i and calculate i. Multiplying i x 12 gives you the APR = 5.547%. You can use the Loan Calculator to calculate the APR = 5.547%.Calculating real return in last year dollars. Nominal interest, real interest, and inflation calculations. Lesson summary: nominal vs. real interest rates ... they would be paying you to borrow money! ... if Person A borrowed $100 from Person B at 3% yearly nominal interest, but inflation is 4%, then Person B will end up losing money. Comment ...Pros. Fast and effective – Dime Alley is pleased to offer a fast way to borrow money now, with our fully online application process which gives you an instant approval on the screen and can help you borrow $300 or $500 on the same day of applying. So if you have an emergency expense, you can get the money today and pay off your bills right away.The concept of $100 instant loan apps has gained significant popularity in recent years. These apps provide a quick and convenient way for individuals to access small loans, often without the need for a credit check. ... Borrowing from Friends or Family: While it can be uncomfortable, borrowing money from friends or family can be a no-interest ...To calculate the amortized rate, complete the following steps: Divide your interest rate by the number of payments you make per year. Multiply that number by the remaining loan balance to find out ...If avoiding fees is a priority, you may have to wait one to three days to receive the $200. Paycheck advance app Earnin, for example, lets you borrow up to $100 per day and $750 per pay period. You can opt for free delivery, or get fast funding for a fee between $1.99 and $4.99.$100 instant loan apps work by providing small, short-term loans to users. The process typically involves downloading the app, creating an account, and linking a …Compare seven apps that offer up to $100 in cash advances without checking your credit score. Learn about the fees, features and benefits of each app and how to use them responsibly. $100 Loan Fast | Borrow 100 Dollars | Bad Credit OK. Your guide to a fast $100 loan regardless of your credit score. Cash can be sent direct to your bank account. The instant approval process is easy with many clients getting approved in literally seconds. Let us help find a lender for you and you can borrow 100 dollars quick. Fast and safe online application process for a 100 loan. Experience the convenience of applying for a loan effortlessly, whether you’re using your phone, tablet, or desktop. Our fast and secure loan application process is designed to cater to your busy lifestyle, enabling you to access our Pdloans247.com service anytime, anywhere in the USA. But for a fast loan, you may need to already be a member in good standing. 5. Payday lenders. Turnaround: Same-day funding. Amount: Around $100 to $500. Payday lenders often offer between $100 and $500 in same-day loans if you apply at a location, or the next business day if you apply online.Nov 3, 2022 · 1. Open Cash App on your phone or tablet. The only way to know for sure if you can borrow money from Cash App is to look for the Borrow option in the app. Start by tapping the green-and-white dollar sign on your Android, iPhone, or iPad's app list. 2. Tap your balance or the bank icon. We’ll expedite your Instant Float within minutes for a small fee. Instant Float fees vary - $10 Instant Floats have a $3.00 fee, $20 Instant Floats have a $4.00 fee, $30 to $50 Instant Floats have a $5.00 fee, $75 Instant Floats have a $6.00 fee, and $100 Instant Floats have a $7.00 fee.*. FINANCIAL FORECAST. Introducing the Financial Forecast.Hôm nay TouchSky English sẽ giúp bạn phân biệt những từ cùng nghĩa sau đây “borrow”, “lend” và ‘loan”. 1. Borrow: “Borrow” có nghĩa là vay, mượn thứ gì từ ai đó. Ví dụ: Can I borrow your cell phone? Can I borrow 100 dollars from you please? She borrowed this car from Tim; 2. Lend:Dave: Use ExtraCash to borrow up to $500, even as a new user. Dave is a pioneer in the cash advance app field with over 10 million users (and counting) to show for it. When you need to borrow $300, Dave stands out with the ability to borrow up to $500 nearly instantly with zero interest and no credit check. 2.After months of stalling, the US House of Representatives finally approved more than $61bn worth of military assistance to help Ukraine in its desperate defense …According to Quora, it goes a little something like this. I saw a shirt for $97. I borrowed $50 from Mom and $50 from Dad. I bought the shirt with $3 of change. I gave $1 to Mom, $1 to Dad, and ...Since u dont have cash, you borrow $50 from your mom n $50 from your Dad, So u have $100. Since the shirt is $97 u have $3 left, U return $1 to your Mom n $1 to ur Dad n u left with $1 for yourself. Now u owe your parents $49 each. 49+49=98 + 1 = $99. Where did the other dollar go? Answer by robertb(5830) (Show Source):Many $100 loans are payday advance loans. This suggests you obtain the cash plus a cost and pay it back within 2 to four weeks-- the next opportunity you earn. More than 80% of folks that secure one are authorized. Typically, finance companies demand a level charge on a $100 loan, typically in between $15 and $30 that you repay plus the loan.A dollar today only buys 17.225% of what it could buy back then. The inflation rate in 1975 was 9.13%. The current inflation rate compared to the end of last year is now 3.48%. If this number holds, $100 today will be equivalent in buying power to $103.48 next year. The current inflation rate page gives more detail on the latest inflation rates.Mar 5, 2024 · Consider these lenders if you need to borrow a large sum. SoFi® SoFi is an online lending platform that specializes in unsecured personal loans between $5,000 and $100,000. Loans are available in ... Tax-smart family loan strategy in action. Say you want to lend $50,000 to your adult daughter so she can buy her first home. You could make a nine-year term loan with a balloon repayment at the ... Whether you’re employed or not, you’ll still access these 100 dollars loans. 1. How Do $100 Loan Instant Australia Work? 100 dollar loan is a short-term loan that you can apply for and easily qualify as it does not need any credit check. It allows people with appalling credit histories to apply and get approved quickly. The $100 loan no ... The biggest difference between securing a $100,000 personal loan and securing a smaller loan will be in the research process. Since not all lenders offer personal loans of that amount, you'll have ...Some lenders will let you borrow up to $50,000, and a select few offer $100,000 or more. If you can find a high-dollar personal loan from a lender that will …The monthly payment on a $15,000 loan ranges from $205 to $1,504, depending on the APR and how long the loan lasts. For example, if you take out a $15,000 loan for one year with an APR of 36%, your monthly payment will be $1,504. But if you take out a $15,000 loan for seven years with an APR of 4%, your monthly payment will be $205.Dec 28, 2023 · The cost for a $100 payday loan will depend on the contract. For example, some lenders will charge a fixed fee of $5-30 USD per every $100 you borrow. In this case, you’d have to pay back a total of $105 to $130 USD. This is one of the most common schemes because it’s easy to understand and makes sense for both parties. Math. Calculus. Calculus questions and answers. Mary wants to take out a loan. She can afford to make monthly payments of 100 dollars and wants to pay the loan off after exactly 30 years. What is the maximum amount that Mary can afford to borrow if the bank charges interest at an annual rate of 6 percent, compounded monthly? Question: QUESTION 7 "Suppose you borrow 100 dollars to buy one share of a stock today (the stock price (SO) is $100), the interest rate is 5% (continuous compounding). The stock does not pay dividend. If there are forward contracts traded on this stock with expiry T=2, what should be the fair forward price with 2-year maturity? Borrow 100 Dollars Online While for some people, 100 dollars is not even a daily spending amount, for others, it’s the sum that will be enough to solve minor financial emergencies. And sometimes, it’s also the sum you need to get desperately to save your day because you don’t have enough savings. Borrow $50 From Mom And $50 From Dad Riddle. I borrowed $50 from mom and $50 from dad to buy a bag costing $97. After the purchase, I had $3 left. I returned $1 to dad and $1 to mom, and reserved $1 for myself. I now owe $49+$49=$98 plus the $1 I reserved for myself, which is $99.Online loans are a convenient and fast option for borrowing money. Online personal loan rates are typically from 6% to 36%, and amounts are from $1,000 to $100,000.Learn about different options to borrow $100 quickly, such as online lenders, banks, pawn shops, and side gigs. Compare interest rates, fees, and repayment terms …Former President Donald Trump has refinanced the mortgage on the Trump Tower with a loan worth $100 million from the Axos Bank in California, New York City records showed. San Diego-based Axos ...Bank of America’s small-dollar loan, Balance Assist, allows customers to borrow up to $500 for a flat $5 fee. Then, the loan is repaid in three equal monthly payments. To be eligible for Balance ...If necessary, tap on the home screen icon to navigate to the “Banking” header. Check for the word “Borrow.”. If you see the “Borrow” option in the “Banking” section this means you can take out a Cash App loan. Tap on “Borrow.”. Once you hit this option, you’ll be prompted to proceed with the loan application process. Tap ...Step 1: get started. Step 2: view advance payments. Step 3: apply for advance. Step 4: review and submit. Step 5: get your receipt. Step 6: sign out. Read more about advance payments including eligibility. If you’re getting the Home Equity Scheme, there are different rules that apply to the Home Equity Scheme advance payment.Ideal for a $100 loan instant app with no credit check, the platform also provides loans up to $20,000 with repayment terms from 2 to 72 months. Its APRs go from 5.99% to 35.99% for good credit ... Fast and safe online application process for a 100 loan. Experience the convenience of applying for a loan effortlessly, whether you’re using your phone, tablet, or desktop. Our fast and secure loan application process is designed to cater to your busy lifestyle, enabling you to access our Pdloans247.com service anytime, anywhere in the USA. Suppose you need to borrow 100 US dollars. Which is the lower amount to pay back: 105 US dollars or 100 US dollars plus three percent? a. 105 US dollars. b. 100 US dollars plus three percent.Quick, easy, and painless. So while I will reiterate that I’m not an expert on loans, PLEASE consider r/borrow before you go for a personal loan. The personal loan company approved me for an amount WAY over what I needed. With the interest rate, that $1800 would have quickly become a nightmare.Depending on your lender and your state, you can expect to pay around $75 to $150 in fees or interest for a $500 loan. This works out to an APR range of around 182% to 365% on a 30-day loan or 365% to 730% on a 15-day loan. Results. Monthly payment: $1,135.48. $13,626 per year. This calculates the monthly payment of a $100k mortgage based on the amount of the loan, interest rate, and the loan length. It assumes a fixed rate mortgage, rather than variable, balloon, or ARM. Subtract your down payment to find the loan amount. Many lenders estimate the most expensive ... “The facility of the projects and programmes under the borrowing plan is $7,864,508,559 dollars and then in Euro 100 million euros respectively. ... plans to borrow $7.8 billion and 100 million ...Apr 2, 2024 · Navy Federal Credit Union Personal Loan: Best for Small loans starting at $250. Oportun: Best for Small loans starting at $300. First Tech Credit Union Personal Loan: Best for Small loans starting ... If you buy a home with a loan for $200,000 at 4.33 percent your monthly payment on a 30-year loan would be $993.27, and you would pay $157,576.91 in interest. If your interest rate was only 1% higher, your payment would increase to $1,114.34, and you would pay $201,161.76 in interest. Getting the best interest rate that you can will ...Feb 29, 2024 · Payday loans cost anywhere from $14 to $17 for every $100 borrowed. Let’s say you take out a $100 payday loan in Ontario for the two weeks leading up to your payday. Since Ontarian lenders can charge a maximum $15 per $100 borrowed, you’ll pay back $115 from your paycheque. That translates to a whopping 391% APR. Secured Personal Loan interest rate ranges and the representative rate are set out below. Comparison rates and examples are based on a $30,000 secured loan over 5 years: Interest rates range from 6.99%^ 1 p.a. to 13.49% p.a. (comparison rate** from 8.40% p.a. to 14.83% p.a.). The estimated total amount payable including fees is between $36,784 ...Now, armed with this knowledge of why people feel motivated to give, check out the following nine sites where strangers will give you money and a few subreddits that are worth learning about. 1. Kickstarter. Best for: …If you don’t want to subscribe, you can also apply for cash advance by contacting customer service at [email protected]. You'll still need to qualify and go through our standard eligibility checks. 1 Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first time users. Amounts subject to change.Many $100 loans are payday advance loans. This suggests you obtain the cash plus a cost and pay it back within 2 to four weeks-- the next opportunity you earn. More than 80% of folks that secure one are authorized. Typically, finance companies demand a level charge on a $100 loan, typically in between $15 and $30 that you repay plus the loan.Other Math. Other Math questions and answers. Suppose that you borrow 200000 dollars from a bank, and that the bank charges 8 percent annual interest, compounded monthly, on the loan. You make monthly payments of 100 dollars at the end of each month. what are the values of a and b? Whether you’re employed or not, you’ll still access these 100 dollars loans. 1. How Do $100 Loan Instant Australia Work? 100 dollar loan is a short-term loan that you can apply for and easily qualify as it does not need any credit check. It allows people with appalling credit histories to apply and get approved quickly. The $100 loan no ... A good rule of thumb is that you should expect to pay $5 - $30 for every $100 dollar you borrow. So if you borrow $300, you could expect to pay anywhere from $15 to $90 in interest. This number may also be capped in the state you live in, which my hinder your ability to get funded. Money could be in your checking account as soon as the next ...2. Decide how much you need and run the numbers. According to a Pew study of small loan lending, most major banks offer maximum loan amount options of $500, $750 and $1,000, with minimum loan ... The PayDaySay Advance is one of the best loan apps to borrow 100 dollars, with over 620,000 users nationwide. It’s a $100 payday loan app for unemployed and employed individuals, as the app doesn’t check your credit history or score. PayDaySay Advance App offers loan types, including payday loans and personal loans. Follow these steps to get started: 1. Check Your Credit Score. Large loans are typically more difficult to qualify for than those with smaller limits. To qualify for a $100,000 personal loan, you ...Borrow 100 Dollars Online. While for some people, 100 dollars is not even a daily spending amount, for others, it’s the sum that will be enough to solve minor financial emergencies. And sometimes, it’s also the sum you need to get desperately to save your day because you don’t have enough savings. If you’re in need of a fast cash ...In Summary: Top 9 Instant Cash Advance Apps in 2024. Here are our recommendations for the best cash advance apps in 2024: Brigit Instant Cash — Open to US residents w/o social security number. Dave ExtraCash™ — Offers large cash advance of $500. Varo Advance — Not just a fintech platform, but a duly-licensed bank.If avoiding fees is a priority, you may have to wait one to three days to receive the $200. Paycheck advance app Earnin, for example, lets you borrow up to $100 per day and $750 per pay period. You can opt for free delivery, or get fast funding for a fee between $1.99 and $4.99.Then, follow these simple steps: 1. Go to the Cash App Balance tab at the bottom-left side of the screen. 2. Press on the “Banking” option from the Cash App menu. 3. Select the “Lending” tab. 4. The Lending tab will display the total loan amount you can borrow from Cash App. (eg. ‘borrow up to $200’)Compare 8 apps that let you borrow up to $500 with no credit check or interest fees. Learn about the pros, cons, fees and funding times of each app and how to …Secured Personal Loan interest rate ranges and the representative rate are set out below. Comparison rates and examples are based on a $30,000 secured loan over 5 years: Interest rates range from 6.99%^ 1 p.a. to 13.49% p.a. (comparison rate** from 8.40% p.a. to 14.83% p.a.). The estimated total amount payable including fees is between $36,784 ...A 3% APR 15-year home loan costs $6.9058 per thousand. If you bought a $100,000 home that would mean the monthly payment would be 100 * $6.9058, so move the decimal places 2 spots to the right and you get a monthly payment of $690.58. The total loan cost would be 100 * $1,243.05 Again, move the decimal 2 places to the right & you get $124,305.Learn about different options to borrow $100 quickly, such as online lenders, banks, pawn shops, and side gigs. Compare interest rates, fees, and repayment terms … Results. Monthly payment: $1,135.48. $13,626 per year. This calculates the monthly payment of a $100k mortgage based on the amount of the loan, interest rate, and the loan length. It assumes a fixed rate mortgage, rather than variable, balloon, or ARM. Subtract your down payment to find the loan amount. Many lenders estimate the most expensive ... Pros And Cons Of $100 Loans From Payday Lenders . As with any other type of borrowing, there are some advantages and downsides to getting a $100 loan from a payday lender. By considering them before you borrow, you can make a fully informed decision. Pros. Fast Cash: Unlike personal loans, payday loans get cash in hand quickly. …How to use this calculator. Enter a loan amount. Personal loan amounts are from $1,000 to $100,000. Borrowers with strong credit and income are more likely to qualify for large loan amounts. Enter ...The establishment fee is 20% of the amount borrowed and the monthly fee is 4% of the amount borrowed. Our Mini loans have a minimum term of 1 month and a maximum term of 12 months.For example, a loan of $1,000 repaid over 6 months equates to a total amount payable of $1,440 comprised of $1,000 principal, $200 establishment fee and $240 in ...How to use this calculator. Enter a loan amount. Personal loan amounts are from $1,000 to $100,000. Borrowers with strong credit and income are more likely to qualify for large loan amounts. Enter ... For every $100 borrowed you pay a $6 fee. If you borrow $400, your fee will be $24. You’ll pay back a total of $424 in three monthly payments of approximately $141.33 each. Your total cost to borrow (annual percentage rate) will be 35.65%. Whether you’re employed or not, you’ll still access these 100 dollars loans. 1. How Do $100 Loan Instant Australia Work? 100 dollar loan is a short-term loan that you can apply for and easily qualify as it does not need any credit check. It allows people with appalling credit histories to apply and get approved quickly. The $100 loan no ...

3. Suppose you need to borrow 100 US dollars. Which is the lower amount to pay back: 105 US dollars or 100 US dollars plus three percent? a. 105 US dollars b. 100 US dollars plus three percent c. don’t know d. refuse to answer 4. Suppose you put money in the bank for two years and the bank agrees to add 15 percent per year to your account. . Boston slc

borrow 100 dollars

Dave: Use ExtraCash to borrow up to $500, even as a new user. Dave is a pioneer in the cash advance app field with over 10 million users (and counting) to show for it. When you need to borrow $300, Dave stands out with the ability to borrow up to $500 nearly instantly with zero interest and no credit check. 2.Pros. Fast and effective – Dime Alley is pleased to offer a fast way to borrow money now, with our fully online application process which gives you an instant approval on the screen and can help you borrow $300 or $500 on the same day of applying. So if you have an emergency expense, you can get the money today and pay off your bills right away.2 days ago · One drawback, aside from the high APRs, is that borrowers can only get $500 - $4,000 in funding. WalletHub’s editors give OppLoans a score of 2.4/5. Key Facts About OppLoans No Credit Check Loans: Range of APRs: 160% - 179%. Loan Sizes: $500 - $4,000. Origination Fee: 0%. Payoff Period: 6 - 36 months. If avoiding fees is a priority, you may have to wait one to three days to receive the $200. Paycheck advance app Earnin, for example, lets you borrow up to $100 per day and $750 per pay period. You can opt for free delivery, or get fast funding for a fee between $1.99 and $4.99.2. Earnin for up to $100 per day. 4.7 • 255.2K Ratings in the App Store. Earnin, an innovative loan instant app and direct lender, offers loans up to $100 per day or up to $750 per pay period as a paycheck advance without interest or fixed fees. They also allow you to determine the cost through the "tip" you set.Compare rates and prequalify for $100K with rates as low as 4.16%. While few lenders offer loans over $50,000, a handful of banks and online lenders offer $100,000 personal loans. But to qualify for a loan of this size, you typically need a good or excellent credit score over 670 and enough income to cover large monthly payments.Cash App Borrow is a pilot feature that allows select users to take out small loans for a flat fee. While Cash App Borrow is not available to everyone, some users can …Former President Donald Trump has refinanced the mortgage on the Trump Tower with a loan worth $100 million from the Axos Bank in California, New York City records showed. San Diego-based Axos ...Feb 21, 2024 · Once you have a Varo account, you can become eligible for Varo Advance. This feature lets you borrow up to $250 interest-free. When you first qualify, you can receive advances of up to $20 and build your limit from there. Notable Features. Varo’s secured credit card: The Varo Believe Card can help if you’re trying to build your credit score ... A payday loan is a type of quick personal loan that’s typically for $500 or less and due on your next payday. Lenders that offer payday loans often charge exorbitant fees, which can equate to interest rates of around 400% in some cases. To put things into perspective, a $500 loan with a $50 lending fee equates to an APR of more than 260%.The biggest difference between securing a $100,000 personal loan and securing a smaller loan will be in the research process. Since not all lenders offer personal loans of that amount, you'll have ...Emergency loan rates, fees and terms. Emergency loans have annual percentage rates from about 6% to 36%, amounts from $1,000 to $100,000 and repayment terms from two to seven years. Lenders ...Take a $100 loan in just a few clicks. Unforeseen emergencies and unexpected bills can throw us off balance, forcing us to seek for money. A solution has been found, with the help of PD Loan s247 you can secure a swift $100 loan that caters to your urgent needs. And if you choose our service, you will experience a number of advantages: the speed of …Cash App allows you to send and receive money from your phone – similar to Venmo or PayPal. The app’s name has become a catch-all for sending money (“hey, can you Cash App me”) the same way someone might tell you to “Google something”. Offering small loans from $20 to $200, the Cash App Borrow feature might be right for you. Alternatively, you can use the simple interest formula I=Prn if you have the interest rate per month. If you had a monthly rate of 5% and you'd like to calculate the interest for one year, your total interest would be $10,000 × 0.05 × 12 = $6,000. The total loan repayment required would be $10,000 + $6,000 = $16,000. Click on ‘Borrow’. 4. Tap on ‘Unlock’. 5. Choose your repayment option. 6. Agree and accept. We take a look at how Cash App Borrow works and how you can quickly borrow cash from Cash App when you need to. You can also read more on how to file your tax return automatically and free with Cash App Taxes.Interest rate is the amount charged by lenders to borrowers for the use of money, expressed as a percentage of the principal, or original amount borrowed; it can also be described alternatively as the cost to borrow money. For instance, an 8% interest rate for borrowing $100 a year will obligate a person to pay $108 at year-end..

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