If you have a credit card, there are a few tips you should keep in mind to maximize credit card points. Pay attention to expiration dates and rewards categories. Many credit cards offer a flat percentage on purchases, but rotating categories can help you earn higher percentages. Pay attention to which stores you spend a lot at, because you may be able to receive better bonus rewards from gas stations than from department stores. It is also a good idea to time your purchases to coincide with quarterly bonus categories.

Time your purchases to coincide with quarterly bonus categories

To maximize credit card points, time your purchases to coincide with quarterly bonus categories. American express gold benefits offer bonus categories once or twice a year. It’s best to check your credit card’s calendar to see what categories are on offer at a given time. For example, Chase Freedom Flex gives 5% back for purchases at home improvement stores during Q2 2021. If you’re in the market for a new refrigerator or washing machine, wait until Q2 2021 to make that purchase.

Time your purchases to coincide with bonus categories. Quarterly rotating bonus categories will change on a regular basis. Many rewards cards offer 3% cash back on certain purchases. Some rotating categories include gas stations, groceries, and restaurants. Some reward you with points per dollar spent. Points vary in value, depending on the issuer and purchase category. The highest redemption value is usually found in travel. Using a rotating bonus category can help you maximize credit card points.

Identify credit cards that offer the highest percentage of cash back for categories where you spend the most

Cash back credit cards are great for earning additional rewards, but you have to know which categories you spend most in. It’s important to remember that the bonus categories for some cards may not be very useful, but some of them offer lucrative bonus rates for certain purchases. Cash back credit cards with rotating bonus categories should be avoided because the earning rates will not match your most common expenses.

Some issuers will also give you additional cash back for spending in particular categories, such as gas. Some gas stations include an affiliated convenience store, but make sure to check which one is more convenient. Cash back cards with dining in categories may also offer you extra rewards for leading a group meal. Some credit cards offer rotating bonus categories that rotate every quarter. To maximize the rewards rate on your card, sign up for multiple cards.

Plan your spending to take advantage of sign-up bonuses

If you want to maximize the benefits of credit card sign-up bonuses, you must plan your spending to fall in line with the rotating categories of bonus points. Identify the categories that earn the highest points and make your purchases accordingly. Credit card benefits include auto collision damage waivers, extended warranties, purchase protection, and other perks. While maximizing the benefits of credit cards, it is essential to avoid excessive spending.

Don’t overspend to earn rewards

You can earn rewards by using credit cards. While they may seem appealing and valuable, overspending to earn them is likely to result in debt or high-interest charges. Instead, use a credit card to buy things you would normally buy. This way, you can use the points to buy airline tickets, which is an excellent use of rewards as long as you don’t incur high-interest charges. In addition, use the credit card responsibly and within your means.

Don’t make big purchases with your credit card. Credit card purchases may qualify for bonus points, which could add up to free money. But if you aren’t prepared to pay for the purchase in cash, you may as well use your credit card for larger purchases. Another strategy to maximize credit card rewards is to use rewards cards only when you have the funds to pay off the purchases. Pay off the balance each month to avoid interest charges and other fees.

Online casinos are fun and exciting for most players. However, people associate online casinos with various myths due to their growing popularity. Therefore, continue playing and ignore the many beliefs people label online casinos with as they are mostly untrue. If you enjoy playing your favorite games at the s188 mobile slots website, keep gaming and enjoying the online casino experience. Most myths about online casinos are misleading and false. Below are explanations of some of the most popular online casino myths.

• Online casino is illegal

Among the prominent myths about online casinos is that they are illegal. Plus, most people think there are no laws and regulations governing casino operations. Therefore, it is easy for casinos to cheat and get away with it. But, this idea is wrong as most online casinos have strict rules and laws governing them. Moreover, different places have different ways to oversee the casino operations.

• It is impossible to win on online casinos 

Most people feel it is not possible to win in online casinos. But this idea is inaccurate. Online casinos play and ensure fair games as they use a random number generator. The management checks these generators regularly to ensure fairness. Most people believe online casino games are scams. Yet, these casinos are licensed and verified and have fair games to play.

• Gambling sites are not secure 

Many people believe online gambling sites can expose their data or risk losing funds from their online accounts. But, the reality is the top gambling sites are among the most secure websites online. The encryption techniques and security technology they use are advanced, protecting your funds and data. Therefore, stick to reputable sites, and you will have nothing to worry about losses of gambling online.

• Online casinos divert attention from traditional casinos 

Most land-based casinos own online casinos to reduce traffic in their casinos. It is the same company, and the profit increases from the two setups. Therefore, online casinos are a way for traditional casinos to expand. Thus, it is a myth they take profit and attention from the land-based casinos as they increase their market share.

• Online casinos support underage players

People also believe that online casinos are not keen with age restrictions. This is a mistaken idea as most of them have age restrictions of 21 years. Underage players can find a way to access the casino, but experienced gamblers know there are age restrictions in reputable sites. Plus, if an online casino allows underage gambling, they can lose their license. For this reason, most online casinos have special tools to make sure no underage users can get an opportunity to gamble on their platform.

• You will get addicted to playing in an online casino

There is no proof that playing online casino games is certain to get addicted. Experience shows most gamblers play online games and do not form any addiction. Therefore, the addiction to gambling in online casinos is false. Although people get gambling addiction, there are several tools to help them set reasonable limits and remain focused.

• The game will freeze when you win too much 

The game freezing after winning is an online gambling myth not to believe. Most legitimate online casinos have systems and games with appropriate design. For this reason, when you win, there is no reason for the system to freeze. Whether the win is small or big, players can withdraw the winning on online casinos. Many online casinos have paid players in full who hit the jackpot on their site. Also, players who deserve an additional reward receive them with no malfunction.

In conclusion, the above are some of the myths about online casinos. Unfortunately, angry gamblers who have not been fortunate are spreading the lies. Thus, they seek every opportunity to discourage beginners mostly from playing in online casinos. Therefore, online casinos are secure and safe. Plus, they do not cheat customers and provide fair games. So, enjoy the online casino gambling experience and avoid basing your decisions on myths or negative reviews. In addition, other casinos offer other options to help gamblers balance their activities in online casinos.

 

There are several fun things you have done with your bike. Granted, going through the hassle of filing a motorcycle insurance claim will be nowhere on that list. However, as challenging as it may seem, it is possible to have a seamless time when you know the correct steps to follow. Here are some key steps to follow when filing a motorcycle insurance claim:

First things first, ensure that you are safe

In case of an accident, the first thing that should be on your mind is your safety. If you are still on the road, you need to get off to avoid oncoming traffic. However, be sure to take photos of the scene where the accident happened before you take your bike off the highway. Safety should be a priority any time you find yourself in the middle of an accident.

Do not admit liability

When you have a motorcycle accident, try not to accept liability for the other person’s damage. That could affect your insurance payout. The best thing to do is to keep quiet whether or not you think it was your fault. Try to keep your cool even if the other party is upset and angry. Just relax and wait for your insurance company to sort you.

Call the police

It is necessary to call the police when you are in an accident, whether or not there was someone else involved. The police will help with the third-party report that your insurance agents may need to fasten the claims process. The police will note down everything they saw and decide who was at fault. The police should also record the extent of the damage. Having a police record corroborating your claims makes it easier to get a good amount. The insurance company is more likely to trust the police record than your word.

Have all the vital information

After an accident, you want to have as much detail about everything. Jot down the names, addresses, and phone numbers of all the parties involved. Collect information about their policy numbers and insurance companies and have a description of all the vehicles and their license plate numbers. Gather the names and contact details of any witnesses present at the location. Try to ask the witnesses to wait for the police so that they can give a formal statement about what happened. Be sure that the other person gives you their correct names and addresses. You can ask for their driver’s license to confirm that they are not issuing fake details.

Take photographs

A picture is worth a thousand words. It is the same case when there is an accident. Pictures are excellent documentation when making claims. Take photos of the scene before moving any of the cars or motorcycles. It helps to confirm who was at fault, depending on the vehicle placement. Also, take pictures detailing the damage on your bike and any other property. Have pictures of the location, including street names and the homes and businesses nearby.

Contact a motorcycle accident attorney

The insurance company is not your best friend. In most cases, the insurance company will be looking out for their bottom line, even if it means resolving your claim for the minimum amount. Having an attorney will help level the playing field with the insurance company. Well, call a motorcycle accident attorney to help you negotiate for a better settlement. An attorney has your best interest in mind and will use their knowledge and experience to help you get the best offer. Even if the negotiations for a better settlement fail, they can ensure that your case goes to trial and you get the best outcome from the lawsuit.

Call your insurance agent

Call your motorcycle insurer to report the incidence. Do that as soon as possible- at least within a 24-hour window following the incident. You do not need to have all the necessary paperwork before filing the claim. The insurer should help you understand the vital information to get the ball rolling. They will also send an assessor to appraise the damage on your motorcycle. The assessment will determine the amount they will pay you. If your bike is damaged beyond repair, they may write it off and pay you on the limits of a total loss, depending on your motorcycle insurance policy.

Conclusion

Do your due diligence in research before filing a claim. You do not want to go through the process blindly. Be aware of the fine print in your motorcycle insurance policy to know the limits of your coverage options.

 

Keeping your loved ones protected for as long as you live and afterward is on everyone’s to-do list. To make it easier for you to achieve that, banks offer life term insurance plans. These plans allow you to assure a considerable amount for your family by paying a certain amount of premium in regular intervals.

Since these plans are crucial and require proper consideration, you need to focus on several things before buying a term insurance plan. You would want to go for the best term insurance plan for you. Therefore, we have some tips that can help with that.

Keep in mind your life stage and dependents

The first step that you need to take is assessing your life. When you are looking for a term insurance policy, you will need to evaluate your age, financial situation, life coverage, and more. All these aspects affect your policy duration and the amount suitable for you.

Financial responsibilities are distinct for everyone. If you are the sole bread earner, your financial responsibility would be more than someone who has other people who are earning as well. Hence, you need to consider your life as well as your dependents.

Evaluate your current lifestyle

Your current lifestyle also directly affects your term insurance plan as you will have to pay the premium regularly. Your spending habits, your expenses, and your general standard of living will allow you to choose a plan that is feasible for you.

Along with that, a clear idea of your lifestyle will allow you to secure your loved ones more efficiently as well. This is because evaluating your standard of living will also provide you with an estimate of the sum your family will require to maintain the same standards.

Consider your income

Most people struggle to figure out the amount of money they should insure for their family. This is where your income comes in. Analyzing your income is a practical way to know what your family would need in your absence. Evaluating the limitations of your income is also necessary while doing so.

Along with that, calculate the financial requirements of your loved ones and then see if your income is enough to cover these requirements. Doing this will prevent you from overestimating the life cover.

Keep in mind your existing liabilities

Consider your debts and liabilities in mind while choosing term insurance for yourself. Make sure that if you have long-term loans, they are covered by your term insurance. In case these loans/debts are not covered by your insurance, it may fall on your dependents which can be burdening for them.

You would want to avoid any circumstance that overburdens your dependents, so make sure that you keep this in mind.

Do not ignore riders

Riders are additional benefits that are provided by your insurer. These help in providing your family with some extra amount over the sum insured. There are different types of riders available that suit different needs. You can attach these to your base policy right at the time of purchase by paying some extra premium.

Some of the riders available include critical illness riders, disability riders, etc. Riders allow you to expand the scope of your term insurance policy, so make sure you make use of them.

Common mistakes to avoid

Not that you know about some of the things that you should do, let’s look at the mistakes that you should avoid while choosing term insurance plans:

• Follow the tips we have given above to calculate the amount of cover you recover. Avoid miscalculating your requirements. If you end up choosing a low cover amount, your family/depends will take the brunt for it. If you end up going overboard, you might encounter a financial burden because of the premium.
• Instead of short-term policies, go for long-term policies. Short-term policies may seem advantageous at the beginning; however, they are not practical. You would not want to buy another term insurance at 40 or 45, so you should choose a long-term insurance cover.
• The biggest mistake you can make is delaying your term insurance plans. Experts advise you to go for a term insurance plan as early as possible. One of the reasons why this is recommended is because the earlier you buy the plan, the lower your premium will be.
• Yes, your medical information can lead to higher premiums. However, you need to disclose your full and correct medical information to the insurer. This is because it can lead to several disputes in the end, which will fall on your family.

Conclusion

A term insurance policy is crucial as it protects your family financially. Make sure you make an informed decision while buying such policies, as it will eventually affect your dependents and family. All the best!

 

Most people understand just enough about finance and money to get by. But according to finance insiders like Dan Schatt and others in the industry, there are some very basic money concepts that most people don’t fully understand.

There’s a pretty wide range of knowledge and financial literacy out there, so we’ve identified ten critical concepts about money and finance that we think everyone should know before they become adults. If you like to keep your finances simple, or if you’re just starting out in the world of money, understanding these ten concepts is a good place to start.

Saving versus Spending

The classic example of someone who can’t save versus someone who can is a person with $2 and a cup of coffee versus another person with $1. Both people have just enough money for one cup of coffee. But the person with $2 puts some in their pocket and leaves the rest for future spending, while the person with $1 spends it all on their single cup.

This difference between saving and spending applies to every aspect of your financial life:

– You can save or spend any extra income you make at the end of each week/month/year (after paying bills).

– You can save or spend retirement income when you get closer to retirement age (and after you retire if you’re self-employed).

– You can save or spend investment returns, whether that’s in the form of building up cash or increasing your investment accounts.

– You can save or spend social security benefits (and similar types of income).

This concept is simple, but it has huge implications for nearly every aspect of one’s financial life.

Compounding interest

Compound Interest is an exponential growth effect on money due to reinvesting earnings – also known as making your money work harder for you.

Compound Interest is when the interest on deposits in a bank account, savings account, certificate of deposit (CD), etc., are added to the principal sum. As a result, the interest will earn more money based on the amount originally invested plus all previous gains. This allows even small sums to grow into large sums over a period of time.

Investing versus Borrowing

Investing is when you use your money to create a financial asset that will potentially generate income and appreciate in value over the long term, such as shares of stock or real estate.

On the other hand, borrowing is when someone gives you their money to spend on something with the expectation that they will get it back later, usually with interest. Usually, this means taking out a loan through a bank, but credit cards and even payday loans function as “short term” borrowing instruments for those carrying high debt loads.

Risk Tolerance

Risk tolerance describes how much risk one can handle emotionally before being overwhelmed by fear or greed when investing.

An individual’s level of risk tolerance can be correlated with age, time to retirement, children, income levels, and amount of savings.

Boglehead experts suggest that the investment policy statement should guide market volatility during recessions, depressions, inflationary episodes, and deflationary episodes.

 

The cost of installing solar panels on a residential property has fallen by more than 70% in the last 10 years. But exactly how much do solar panels cost for a house? If you are considering buying solar panels, then this is an important question.

In this blog post, we will take a closer look at the cost of solar panels. We will also look at some of the main factors that determine the cost of solar panels. A sizeable percentage of homeowners in the United States say they are strongly considering making the switch to solar energy—if you are one of them, keep reading!

How Much Do Solar Panels Cost for a House?

As we will see below, there are certain factors that will determine the exact cost of solar panels so it is difficult to give an accurate estimate.

Let’s take a look at the state of Indiana and an average-sized solar panel system. A 5 kW solar panel system here costs an average of $9,631, with an average cost per watt of $2.60.

A homeowner in Marian County, for example, would pay an average of between $7,427 to $9,077 for a 5.1kW system. The payback period here would be between 8.6 and 10.6 years. The net profit (the savings less the system cost) would be between $16,565 and $20,246 over 25 years.

What Are the Factors That Determine Solar Panel Cost?

A primary factor here is the size of the solar panel system that you choose to install. This will be largely dependent on the size of your property, the number of people who live there, and your current energy usage.

Your property’s location is another factor, with regards to the amount of sunlight it receives during the year, local market conditions, and state incentives. Currently, homeowners in the US can avail of a 26% federal solar tax credit in addition to any state incentives.

The type of solar panel system that you choose is another factor. There are 3 different types of solar panels—Tier 1, Tier 2, and Tier 3. While more expensive, Tier 1 is the premium option and produces the best output and features the lowest degradation rate.

It is also recommended that you choose a reputable and reliable solar panel company if you are considering installing solar panels. Check out Blue Raven Solar company today.

The Average Cost of Solar Panels

As this article has highlighted, there is a range of factors that determine the exact cost of solar panels. These include your property’s location and the size of the solar system you wish to install. What is clear is that solar panels are a great way to save on your home’s energy bills—savings that can come to tens of thousands of dollars.

Like this blog post on how much do solar panels cost for a house? Be sure to check out our other informative articles on a wide range of interesting topics.

It is needless to say that the majority of the success in the construction industry depends on how skilled your workforce is and the ability to monitor on-site efficiencies.

Recently, industry experts are also focussing on integrating the latest technology and tools to speed up their projects.

Not to mention, the cloud-based software is also helping them schedule their real-time workflow management.

Likewise, there are a lot of trends that are reshaping the construction industry. And if you are planning to make it in the industry, it is imperative that you keep up with the latest industry trends.

To make it easier for you, here we have listed some of the latest industry trends contractors need to watch out for in 2022. Follow along to learn more about them.

• Updated safety measures

One of the key aspects you as a contractor need to focus on is the safety of your on-site workers.

It wouldn’t be wrong to point out the fact that construction sites are filled with potential risks. And since your workers are basically the backbone of your project, it is only fitting that you pay utmost importance to their safety.

So, make sure that you adhere to the latest safety standards to minimize the risk of exposure for your workforce. For instance, you can bring in robots to carry out injury-prone tasks.

Plus, certain risks and incidents might even upend your project. This, in turn, can damage your assets and land you in financial trouble.

To avoid that, make sure you apply for construction project insurance before you get on with the tasks. This will help in protecting your livelihood and assets in case of emergencies.

• 3D Printing

Believe it or not, 3D printing has certainly revolutionized the construction industry. With the help of 3D printers, contractors can now create a detailed design of their projects.

Industry professionals initially utilized the technology to create prototype parts quickly and efficiently. Today, it has become an integral part of the construction industry that helps contractors build scale models and administer ambitious projects.

One of the perks of 3D printing is that it allows you to work on projects that are too complex to create by conventional methods.

In fact, due to this incredible technology, you can even reduce the chances of human error. The detailed plan, in turn, can also reduce the risk of work injuries as well.

• Modular construction

As a contractor, you should know that modular construction involves off-site construction of building elements and assembling them on the site.

It has been noticed that such methods help the professionals to reduce costs and complete the projects way before the deadline.

Finishing your projects quicker can also help you gain the upper hand over your competitors and ensure your credibility in the market.

This can also benefit you and your construction firm during the boom periods.

The verdict

With time, every industry goes through certain evolutions that determine its growth. And the construction industry is no such exception.

Thus, incorporate the latest construction trends in your 2022 business plan and notice your projects completing seamlessly.

Everybody desires to earn money from a reputable profession. When it is a trading business, people participating in it with high expectations. Since this profession has the best reputation, it increases the desire. In the case of an immense marketplace like Forex, traders cannot control their excitement for earning money. Most of them join this industry with the hope of significant income. When they participant in it, the performance lacks quality.

Even after losing some capital in the trading process, the rookies cannot secure their investment. Since their mentality adores the ideas of profit-making, they take significant risks for it. When they introduce inefficient money management, the performance degrades over time. Using irrelevant trading procedures in volatile markets, most individuals experience significant loss to the account balance. A participant needs to know about it and make necessary changes to the trading peripherals. Not only that, but everyone should take care of the mindset also.

If you certainly want to succeed in currency trading, your ideas must be ready. Most rookies desire to know about the requirement for success in Forex trading. To those individuals, every expert will give one suggestion. They will tell them to control their emotions and trading capital. They will also suggest a controlled position sizing of the trades.

Taking good care of the trading capital

Taking care of the trading capital is critical in Forex trading. When you get some experience, your mind will have a clear vision of the market volatility. It will also realize the importance of money management. To implement this system, traders need to learn efficient techniques. If someone has a high interest in profits and forgets about risk settings, he will struggle with the other aspects of trade executions. Instead of securing the position sizing system, that individual will allure for the income. This characteristic introduces inefficient entry and exit positions in the trading process. Traders also fail to save their purchases with necessary precautions. Using their irrelevant techniques, most rookies fail significantly in this profession.

Everyone should be aware of the loss potential of this profession. If you realize it and prepare the strategies, it will keep you safe. Your trading money will not reduce significantly. After being confident of safety, traders will also focus on profit-making. If required, join here and learn more about the safe approach at trading. Never take the trades with aggressive attitude as it will put you in a very bad place.

Establishing the best trade composition

To perform in the Forex markets, everyone needs to take care of their investments. To position the trades, you will need more than that. The trade arrangement is necessary to place the orders perfectly. If a trader wants to succeed in Forex trading, he needs this setting. It gives a manageable reference to the traders, which results in efficient control of the trades. Using the composition, traders can look for valuable trade positions. After introducing their market analysis techniques, they can also utilize the stop-loss and take-profit setups. When they have executed an order, there will be nothing to worry about it.

Efficient performance is possible when traders take care of their syntheses. If the risk to reward ratio is too much to handle, it will not benefit a trader. The setup cannot be too small compared to the profit potential either. That will make you emotional and increase desperation in your trading business.

Being patient for the perfect opportunity

When you use a simple trading procedure that endures manageable trade settings, your approaches will be perfect. It might not generate profit potentials, but your trading mind will have the best confidence. Since the markets are highly volatile in this industry, most participants cannot secure their profits. With the trade compositions and risk management, everyone gets the chance to save their investment. A trader needs to make profits from the trades still. To do so, everyone should have patience in them. They should look for the perfect opportunities with market analysis. It will give them the best position sizing for respectable profit potential.

 

Some investors have knowingly or unknowingly purchased and sold company stocks on the stock exchanges using insider trading tips. If Securities and Exchange Commission (SEC) discovers unethical practices within an organization involving traders, the consequences can result in federal prison time and/or hefty fines and penalties.

Phil Mickelson, a professional golfer, is an example of a trader who had involvement in an SEC case that federal prosecutors had under investigation in a trading scheme in 2011. Phil Mickelson insider trading was illegal that resulted in him paying over $1 million in fines plus a $105,000 penalty in interest.

It is the primary reason investors must perform due diligence on all securities before investing their capital in stocks, indexes, bonds, and annuities. Billy Waters, a friend of Mickelson, provided the insider trading tip after he received confidential information from his friend Tom Davis, who served as a board member at Dean Foods. Phil purchased over $2 million in the company’s stock and made a whopping profit of $931,000. The FBI and SEC became involved and investigated the trading transactions, but never charged him with any crime.

What saved Phil Mickelson in court was the Newman rule because the charges against him were difficult to prove in court. His defense team used the rule to reduce the charge to a citing for benefiting from wrongdoing. Whether he knew about the insider trade, he probably learned a valuable lesson as an investor. Investors should investigate a security to determine if the company is legitimate and honest in their business affairs. If the investment will expose you to fraud and legal prosecution, it is best to avoid investing your capital into a stock.

How to Research if a Company Is Legitimate and Has Integrity

The only way to know if a security is legitimate is to do your research on the broker or brokerage firm and the securities. You, as an investor, must investigate a business before making an investment in public security or into a private company as an angel investor. To offer securities on US stock exchanges, companies must register with SEC, pay annual federal income taxes, and file the forms with SEC. If a business owes back taxes and has a lien against the company, investors should seek other investment opportunities.

Angel investors should be knowledgeable of companies not listed on stock exchanges and do thorough research on whether the company has integrity. Those entities should be in good standing with IRS and have a professional tax preparer or a tax attorney.

You can find out information on a company not listed on a stock exchange and its legitimacy by hiring a business lawyer specializing in taxes and business law. Legal representation will ensure you have information about the financial conditions of a company and its registration with the state or city.

Ways You Can Check if a Security Is Legitimate

• If you are using a broker or brokerage firm to make investments in securities, research the companies on the SEC site first. You want to make sure brokerages are legit and not running a scam to take your capital. To purchase or sell securities, they must have a license to conduct business in their country or state. You can find this information on the FINRA website to evaluate the background of a firm or broker
• Visit the SEC website to search for the registration of companies listed on the New York Stock Exchange, NASDAQ, and other stock exchanges. SEC does not offer advice on whether a security is a wonderful investment, but reviews registration statements for securities. The federal agency requires businesses to abide by its disclosure rules.
• Check Edgar database to research the financial information and operations of a publicly-traded company. The service is free to the public for all investors to review filings of companies on its website. SEC has a link to the Edgar database to research information about variable annuities, mutual funds, and exchange-traded funds (ETFs).

Investors can perform their own due diligence about the integrity and legitimacy of securities and companies, or rely on the expertise of an attorney. Phil Mickelson is an example of an investor who had to pay over a million dollars in fines and penalties for his role in insider trading. Whether he knowingly or unknowingly secured the investment, there were legal repercussions for his actions and involvement.