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Frequently Asked Questions

Yes! Check out personal finance events happening today here. These are in-person gatherings where you can meet fellow enthusiasts and participate in activities right now.

Discover all the personal finance events taking place this week here. Plan ahead and join exciting meetups throughout the week.

Absolutely! Find personal finance events near your location here. Connect with your local community and discover events within your area.

Personal Finance Events Today

Join in-person Personal Finance events happening right now

Individual and Wedding Dance Classes
Individual and Wedding Dance Classes
**[Learn to dance…your LIFE will change!](https://dubaidance.com)** Nervous about dancing in public? [Private lessons](https://dubaidance.com/dances/classes-for-adults) take the edge off and allow you to really let loose and see what you’re made of! *Private dance lessons are the quickest, most effective way* to improve your dancing. We personalize each lesson based on your individual needs, desires, and goals, adjusting our teaching style to your ability, personality, and expectations. You’ll discover the difference some one-on-one attention can make in your dancing! This ensures the most thorough and rapid learning process, all while keeping it fun, easy, and comfortable. **[Congratulations on your upcoming wedding](https://dubaidance.com/dances/wedding-dance)** and congratulations on wanting to make the most out of your first wedding dance! Ok, you have your wedding prepared: the wedding dress, hairstyle, flowers and even the cake and unique invitation cards are ready! What’s next? It’s the wedding dance – a key part of any wedding. *For Wedding Couples, our special wedding program provides* hours of unforgettable moments of fun, enjoyable practice, stress relief, brilliant music, incredible moves and much more will be learnt and perfected to make the dream of your [Wedding Dance](https://dubaidance.com/dances/wedding-dance)[ ]((https://dubaidance.com/wedding-dance-classes/)) come true! **Turn your wedding dance into your favorite ‘Strictly’ routine at Dance For You!** **Please note,** you will have a full 45min individual dance session with our professional dance coach, who will customized an individual dance program based on your dancing needs and it will cost **[only 100AED](https://pay.nomodapp.com/l/3af86dbb3e4b4d8a)**, which is less than your cost of lunch. For any further queries, please do not hesitate to contact our studio on: WhatsApp/Phone: [+97145520153](https://api.whatsapp.com/send/?phone=97145520153&text=Hey+Guys+I+wish+to+learn+dancing+with+you+at+Dance+For+You&app_absent=0) [Instagram](https://instagram.com/danceforyouindubai/) [Facebook](https://www.facebook.com/danceforyouindubai/) [Youtube](https://www.youtube.com/user/danceforyouindubai) [Quick Info](https://taplink.cc/danceforyouindubai)
Brew & Business: Meet. Connect. Grow 💡
Brew & Business: Meet. Connect. Grow 💡
We’re bringing ambitious professionals together for an evening designed to spark meaningful business connections. Register and get more details! **[Join WhatsApp group (+971 55 539 4811)](https://jo.my/business-connect-meetup)** It’s where **business owners, leaders, and experts** come together to spark new ideas, discover opportunities, and build connections that matter 🤝💡 ​ ✨ Meet ambitious professionals & entrepreneurs ✨ Grow your business network ✨ Explore collaborations & fresh opportunities ✨ Share ideas that inspire growth ​Each guest arrives not knowing who they’ll meet … Yet leaves with new connections, exciting possibilities, and maybe even their next big collaboration 🚀 Register and get more details! **[Join WhatsApp group (+971 55 539 4811)](https://jo.my/business-connect-meetup)** ​💬 Expect surprising questions. Unexpected conversations. And the kind of business insights that linger long after the evening ends. ☕ Come for the coffee. **👥** Stay for the conversations. 🚀 Leave with opportunities. ​🔥 Think bold conversations. Big energy. Authentic chemistry. Because when you bring open-minded people together in the right space … magic happens ✨ **Registration** ✅ RSVP on Meetup. ✅ [Join WhatsApp group (+971 55 539 4811)](https://jo.my/business-connect-meetup) *Just like any event, slots are limited. RSVP and complete your registration at the earliest.* Happy Networking 😊
Arabian Ranches Toastmasters Club meeting
Arabian Ranches Toastmasters Club meeting
Are you looking for a platform to improve your communication and leadership skills? Please join us as a guest to learn more
Healthy Morning Startup - Yoga and Walk - Newvision
Healthy Morning Startup - Yoga and Walk - Newvision
\*Healthy Morning Startup - Walk and Yoga\* \***Date**\*: Morning Time:- \***06:00 AM (Every Satruday, Sunday, Monday)**\* \***Location**\*:- DMCC Metro Marina Side Garden Next to Horizon Tower and Yacht Club \***Location - Google map**\* : \***https://goo.gl/maps/Mzd9WBRhohZoWJoM6**\* \***Register:-**\* it \***by joining whatsup group https://chat.whatsapp.com/JOFPV4e9MmG3i6carEOgzr**\* \***Contact Whatsup**\*: +971 524982943 (Dushyant) +971 561186716 (Mona) \***WHAT TO BRING**\* • Water • Yoga mat (optional)
Enhance Public Speaking and Leadership skills
Enhance Public Speaking and Leadership skills
**Conquer Your Fear of Public Speaking — Join the upcoming meeting of Barsha Toastmasters!** Did you know that **public speaking is one of the biggest fears worldwide**? For many, the idea of speaking in front of a crowd is more terrifying than anything else! A few years ago, that was me. I had ideas, thoughts, and stories to share—but the moment I stood before an audience, my mind went blank. Then one day, I stumbled upon a quote that changed everything: **"Do the thing you fear most and the death of fear is certain." – Mark Twain** That’s when I walked into a **Barsha Toastmasters Club** meeting—and my life took a new turn. Over time, what was once fear gave way to **confidence, clarity, and connection**. Today, I speak with ease, have won multiple speech awards, and—most importantly—I enjoy doing it. **Are you looking to:** • Speak confidently in front of any audience? • Become the speaker you've always aspired to be? • Strengthen your leadership and communication skills? Then we invite you to **visit Barsha Toastmasters Club**—a vibrant, supportive community where learning and growth happen together. At each meeting, you'll experience: 🎤 Prepared Speeches 🎯 Impromptu Speaking (Table Topics) 🧠 Constructive Evaluations 🤝 Leadership Roles & Mentoring 💰 **Guest Fee:** AED 30 per person ☕ Includes light refreshments (tea, coffee, cookies) 🚗 Free Parking – just inform hotel security you’re attending Toastmasters 📞 RSVP or Questions? Call/WhatsApp: Mr. Nihal , +971 529715054 Interested in membership? Contact: Ms. Silja, +971 554426561 Come witness the journey of members transforming into confident, impactful speakers—and **take your first step today**. **We can’t wait to welcome you!** – *President, Barsha Toastmasters Club*
Free Moonlight Stretch: Transform Your Evening Stress Into Deep Rest.
Free Moonlight Stretch: Transform Your Evening Stress Into Deep Rest.
**Wind down and let go!** Join us for a rejuvenating **FREE** Moonlight Stretch and Relaxing Yoga session at the peaceful **Eternal Wellness Yoga Studio**. This is your perfect opportunity to **transform** the end of your day from stressed and busy to calm, relaxed, and restored. Book your session now: [WhatsApp Us](https://wa.me/971543837625) *Note: MONDAY WEDNESDAY & FRIDAY \- ONLY LADIES \| TUESDAY THURSDAY & SATURDAY \- MEN ALSO WELCOME* **[1st Session will be FREE]**

Personal Finance Events This Week

Discover what is happening in the next few days

PREMA Thursday: Free Accounting & Compliance Session + Networking
PREMA Thursday: Free Accounting & Compliance Session + Networking
Running a business in the UAE is exciting — but **accounting, tax, and compliance mistakes can quietly cost you money, time, and penalties**. Every Thursday, **PREMA Consulting** hosts a **free, in-person discussion** for founders, SMEs, and business owners who want clarity on **UAE accounting, VAT, Corporate Tax, and upcoming compliance changes** — without jargon or sales pressure. This is **not a seminar and not a sales pitch**. It’s a practical, open conversation where you can ask real questions and learn from common mistakes we see across UAE businesses. You’ll also get time to **network with other founders and professionals** in a relaxed setting. ### **Who Should Attend** * Business Owners & Founders * SME Owners & Managers * Startups operating in the UAE * Anyone responsible for finance, tax, or compliance ### **Why Attend** * Understand what actually matters in UAE compliance * Avoid common accounting, VAT, and Corporate Tax mistakes * Stay updated on upcoming changes (including e-Invoicing) * Meet other founders and SME decision-makers ### **Location** 📍 **Boulevard Plaza Tower 1, Suite 1401, Downtown Dubai** ### **Important Notes** * Limited to **10–15 participants** to keep discussions meaningful * Free to attend, **registration required** * Please arrive on time to get full value ### **Hosted by** **PREMA Consulting** Accounting, Tax & Compliance Advisors for UAE Businesses
Moneymind Cashflow Community (MCC)
Moneymind Cashflow Community (MCC)
Hello Friends, **Are you feeling the weight of financial uncertainty?** Does the idea of building a secure future feel overwhelming, like an impossible climb? Are you dreaming of a life where money works for you, instead of the other way around? You're not alone. **Money is rarely about money**. **Money** is all about **behaviour**. **Your habits, thoughts and feelings about money** are going to determine how you manage your money. Many of us carry the burden of financial worry, the constant pressure to make ends meet, and the longing for a life where we can breathe easier. We dream of a **future where money doesn't dictate our choices**, where we have the **freedom to pursue our passions** and **spend time with the people we love**. But the path to financial freedom can seem shrouded in mystery, filled with complex jargon and risky ventures. **Imagine**, though, **a space where you can learn**, **grow**, and **connect** with others who understand your journey. A space where you can **explore financial strategies** in a safe, supportive and even enjoyable way. Introducing **the Moneymind Cashflow Community in Dubai** **Why Join and Play the Cashflow Game?** · **Play and Learn**: Experience a fun and engaging way to boost your financial literacy which will help you to improve your relationship with money. · **Gain insights into your money behaviour (a.k.a emotions)** and learn to make informed decisions. · **Learn Through Experience**: Step away from abstract theories and immerse yourself in a dynamic and exciting learning environment. · **Discover Practical Strategies**: Escape the "Rat Race" by learning how to navigate real estate, business and the stock market and build your passive income. · **Build Meaningful Connections**: Connect with a community of like-minded individuals who share your aspirations for financial security and freedom. · **Boost Confidence**: As you gain more knowledge and experience by playing the game, you'll build confidence in managing your money and pursuing your financial goals, contributing to your personal growth and self-assurance. · **Enhance Critical Thinking**: You will develop your problem-solving and decision-making skills by facing real-world financial scenarios and different situations, enhancing your ability to think strategically when it comes to how you manage your money. **Event Details:** · **Location**: The Bureau Business Centre, Gold & Diamond Park, Building 6. · **Timing**: Saturday at 6pm (Limited seats available, please book promptly and in · **Cost**: AED 45 (please bring cash only). · **Parking**: Free parking is available inside Gold & Diamond Park on Saturdays from 6pm-9pm. · **Important**: Due to limited capacity, confirmation is essential at least 24 hours prior the game session if not before to secure your spot on the table. **Meet the Moneymind Cashflow Community Organizer:** Hosted by Ahmed Abdulla, **a Corporate Trainer**, **Mindset Coach & Mentor** and **Mastermind Group Lead**, this event and meet up offers a valuable opportunity to **cultivate both your financial education and personal development within a supportive community**. To get all future group updates on the Moneymind Cashflow Community Dubai events and activities please do join the following silent WhatsApp group - [https://chat.whatsapp.com/CtAQXbfEivl1UxEMZgctoc](https://chat.whatsapp.com/CtAQXbfEivl1UxEMZgctoc) **Here is What You Need To Do Next:** Whether you're an experienced investor **in real life** or just beginning your financial **learning** journey, **the** CASHFLOW® **game** provides **YOU** a platform to learn, grow and empower yourself. Moneymind Cashflow Community (MCC)
Surrounded by Idiots - Thomas Erikson
Surrounded by Idiots - Thomas Erikson
"Surrounded by Idiots" is a fascinating book by Thomas Erikson that delves into the complexities of human behavior and communication. Erikson proposes that understanding the four main types of behavior can lead to more effective communication and better relationships both personally and professionally. These behavioral types are Red, Yellow, Green, and Blue. The Red personality type is known for being dominant and ambitious. They are extroverted and thrive in leadership roles. The Yellow type is also extroverted, but they are more optimistic, social, and persuasive. On the other hand, the Green personality is introverted and focuses on calmness, cooperation, and patience. Lastly, the Blue type is also introverted but is known for being meticulous, organized, and cautious. Erikson emphasizes that one of the keys to successful communication is recognizing and understanding these different behavioral types. By learning the characteristics of each type, one can tailor their communication style to better resonate with the individual. This understanding can lead to more harmonious relationships and effective collaboration in both professional and personal settings. The book encourages readers to not only analyze others but also themselves. By promoting a level of self-awareness, it aims to help individuals grow and form more meaningful connections with others. Overall, "Surrounded by Idiots" offers an easy-to-follow guide to human behavior and communication, aiming to help readers navigate the complex world of interpersonal relationships.
Open Discussions: Investing
Open Discussions: Investing
Thanks for joining the Money Minds meetup group. If you would like to be the first to know whenever a new event is announced, please join our whatsapp group using the link; [https://chat.whatsapp.com/DPbMfZndPooGHSxFCLCKHg](https://chat.whatsapp.com/DPbMfZndPooGHSxFCLCKHg) Hi, my name is Karan. I am the co-founder of the Money Minds community. When I started investing, I didn't have any help. I've learned how to navigate markets by making a lot of mistakes and I still have a lot to learn. I believe that investing cannot be taught but it can be learned. My intention behind these Open discussion sessions is to cultivate a space where people **ask questions, share practical knowledge** and hopefully **learn vicariously**. Inspired by Charlie Munger’s wisdom, \*"The best thing a human being can do is to help another human being know more" \*our event fosters a spirit of knowledge-sharing and mutual growth. Expect engaging discussions, fresh perspectives, and opportunities to forge meaningful connections with fellow Money Minds members.
Cashflow Game Day: Learn How to Quit Your Job and Join the Rich!!
Cashflow Game Day: Learn How to Quit Your Job and Join the Rich!!
Join us at The Dubai Cashflow Club for an exciting afternoon of the Cashflow game, where you can learn and apply strategic financial principles in a fun and dynamic setting. This event is perfect for anyone looking to gain a deeper understanding of money, investing, and achieving financial independence. During the game, you will navigate through real estate deals, manage your cash flow, and make investment decisions. The objective is not only to win the game but also to gain valuable insights and practical knowledge that can be applied to your personal financial goals. Whether you are a beginner or an experienced investor, this event offers a great opportunity to network, learn from others, and sharpen your financial skills. Don't miss out on this chance to connect with like-minded individuals who share a passion for financial education, self-improvement, and building wealth. Join us for an afternoon of fun, team building, and learning as we work towards achieving our financial goals together.
Business Networking | Learn Forex for Additional Income | FREE Beginner Meetup
Business Networking | Learn Forex for Additional Income | FREE Beginner Meetup
🌟 Tea Talk & Track – A Unique Networking & Training Event Join us this Sunday from 6:00 PM to 8:00 PM at: 📍 B2C Institute, Dhaguard Business Center, Office No. 301, 3rd Floor, Adidas building, Bank Street, Bur Dubai – Near Burjuman Metro Station (Exit 3) Event Flow: 🕛 6:00 – 7:00 PM | Business Networking–Build valuable connections and explore new opportunities. 🕛 7:00 – 8:00 PM | Learn Skill for generating Additional Income throgh the Forex Market–free introductory training workshop for beginners. This weekly gathering blends networking, professional learning, and live forex market experience to help you grow personally and professionally. 🌐 Visit us at: www.b2cinstitute.com 📅 Sunday | 6:00 PM – 8:00 PM 🤝 Connect. Learn. Grow.
Investors Chat | Meet Vcs Investors in Dubai |Inperson - Online
Investors Chat | Meet Vcs Investors in Dubai |Inperson - Online
## Details Investors Chat \| Exclusive for Founders & Business Owners 1-1 Meeting With VCs Investors **Reserve Below** https://meetvcdubai.eventbrite.com Meet Investors : [https://mytablon.com/join-club/](https://mytablon.com/join-club/**) * Choose the best investor from [the list.](https://mytablon.com/join-club/) * After payment we will book your meeting. * You can meet 1-1 with investor for 30mins. * If investor likes your idea; all follow-up meetings will be free. Meet with Investors 1-1 **Questions:** +971 54 721 4861 (WhatsApp Only Pls) Amna

Personal Finance Events Near You

Connect with your local Personal Finance community

From Stability to Stewardship

A Biblical & Practical Path to Financial Freedom
From Stability to Stewardship A Biblical & Practical Path to Financial Freedom
This is not just a money class. This is a restoration space. The I AM Worthy of Ownership™ Path is a 12-step, sister-centered journey for women who are ready to build financial stability without shame, fear, or pressure—and to do it in a way that honors both wisdom and the spirit. Many women don’t struggle with money because they lack discipline or intelligence. They struggle because of unhealed experiences, survival patterns, and the quiet belief that they are “behind” or “disqualified.” This series gently challenges those beliefs while offering practical tools for peace, clarity, and long-term planning. Together, we will talk honestly about: Releasing shame and money anxiety Building stability as a form of self-respect and spiritual discipline Understanding money as a tool, not a source of worth Managing debt with clarity instead of condemnation Preparing for life’s unexpected moments without fear Laying a calm foundation for future ownership and legacy Each session blends practical financial education with reflection, conversation, and encouragement. There is no pressure to share personal numbers or experiences. You are welcome to speak, journal quietly, or simply listen. This is not about hustle. This is not about perfection. This is about alignment, wisdom, and peace. Who this series is for: Women who are starting over or rebuilding Women who want stability without stress Women preparing for future ownership or housing decisions Women who want their financial lives to reflect wholeness, not fear No prior financial knowledge is required. Come as you are. Bring a notebook. Leave a little lighter than you arrived. Light refreshments will be served along with 30 minutes of networking.
Turning Rentals Into Income: How Investors Pay Off Properties Faster
Turning Rentals Into Income: How Investors Pay Off Properties Faster
#### Turning Rentals Into Income: How Investors Pay Off Properties Faster #### **Featuring Guest Speaker: John Blackburn** **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** #### A lot of people get into real estate because they want freedom. Then they buy a rental…and realize most of the rent goes straight to the bank. They technically own property, but the mortgage controls the income. And waiting 30 years for properties to be paid off doesn’t feel realistic. This meetup is about understanding a different way to think about rental properties… one that focuses on paying them off sooner so the income is actually usable. **Featured Guest Speaker: John Blackburn** We’re excited to welcome John Blackburn as our guest speaker for this event. John has been actively investing in real estate since 2006 and has: * Been involved in **5,000+ real estate transactions** * Helped investors **acquire over $150 million in rental property** * **Raised more than $100 million** in private capital John didn’t start with family money or shortcuts. He built his portfolio by focusing on clear systems, real numbers, and long-term strategy. For this meetup, John will walk through how investors shift their focus from simply owning rentals to building properties that eventually pay them…without a mortgage attached. **What You’ll Learn** John will break down, in simple terms: * Why most rental properties don’t produce much usable income early on * Why buying more rentals isn’t always the answer * How investors structure their properties to pay off mortgages in a fraction of the time * How properties can work together to eliminate debt faster * What changes once rentals become free and clear This approach is often referred to as an accelerated paydown strategy — using rental income intentionally to reduce debt sooner, rather than waiting decades for mortgages to run their course. John will also share a simple calculator you can use to see how this works with real numbers and realistic scenarios. **The Core Idea** When a rental has a mortgage, the rent has one job: **pay the bank.** When a rental is paid off, the rent has a different job: **pay you.** Most people only see one timeline…30 years. This session shows how investors shorten that timeline and gradually increase their income as properties become free and clear. **Who This Event Is For** This event is for people who want more than just “owning rentals” on paper. * Rental owners who are tired of most of the rent going to the bank and want a clearer path to real, usable income * New investors who want to understand how rental properties actually build wealth over time before jumping in * People with capital who want to invest in real estate with intention and a long-term plan * Anyone serious about freedom and curious how rental properties transition from debt-heavy assets into income-producing ones **Event Details** **Location:** Ohio Brewing Company - 421 E 2nd Ave, Columbus, OH 43201 **Date & Time:** January 25th, 6–8 PM (Doors open at 5:30) **Cost:** Free (Seats are limited - RSVP required) **👉 Get your FREE TICKET [HERE](https://www.eventbrite.com/e/turning-rentals-into-income-how-investors-pay-off-properties-faster-tickets-1980492192461?aff=cicmeetupapp)** If you’ve ever wondered how rental properties actually turn into freedom —this is the room to be in.
Investing & Personal Finance Meeting
Investing & Personal Finance Meeting
If you are interested in selecting investment choices for your 401(k) or other workplace savings plan, minimizing your income tax liability, or identifying the most effective investments for your brokerage account, we are the group for you. We are a local chapter of Bogleheads**®**, whose investment strategy can be found here: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Or you can peruse the Boglehead forum here: https://www.bogleheads.org/index.php I look forward to seeing you there. Mark Vonder Haar
HOW TO BE A BETTER COMMUNICATOR - A FREE IN-PERSON SEMINAR
HOW TO BE A BETTER COMMUNICATOR - A FREE IN-PERSON SEMINAR
How to be a Better Communicator Communication is everything in life Sunday, 23 February at 2pm. You are only as successful as your ability to communicate. \- What if you could confidently talk to anyone? \- What if you had the ability to calmly control every conversation? \- What if you could close that sale\, ask for that date\, make new friends\, repair problematic relationships\, get that raise\, or effortlessly express any idea with confidence? You can! The secret to success relies on your ability or inability to effectively communicate. Attend a free seminar and gain a better ability to communicate. Hosted by the Church of Scientology of Central Ohio 1266 Dublin Road, Columbus, OH 43215 For more information, contact Rhiannon, the Event Host at 614-221-5024
Data & Analytics Wednesday - Compensation Data
Data & Analytics Wednesday - Compensation Data
**People Analytics 101: Making Sense of Compensation Data** Compensation data is one of the most widely used and widely misunderstood forms of people analytics. The session will cover where compensation data comes from, including market pricing data, internal payroll data, and benchmarking sources, and how companies think about structuring and analyzing that information. We will explore how compensation data is leveraged to set salary ranges, manage internal equity, support hiring and retention, and align pay with business strategy. A portion of the session will address common data challenges and limitations, such as market noise, inconsistent job matching, and incomplete datasets, while keeping the primary focus on practical use rather than technical depth. The session will also look ahead at where the space is going, including the growing impact of pay transparency laws, expanding pay equity requirements, and emerging regulations in the US and Europe that require organizations to report on gender and pay gaps. The goal is to give attendees a clear mental model for how compensation analytics works today and why getting it right is becoming increasingly critical. (note: we are back at Rev1 this month!) **About Our Speaker** [Alex Moore](https://www.linkedin.com/in/alexscottmoore/) is the founder of [Moore Cooperative](https://moorecooperative.com/), where he advises organizations on compensation strategy, pay equity, and people analytics. His work focuses on helping organizations like the Ohio Supreme Court design, analyze, and communicate compensation systems that are data-informed, defensible, and aligned with organizational goals. Alex lives in Granville, Ohio and has three little kiddos. More info at [cbusdaw.com](https://cbusdaw.com)
Columbus Bitcoin Meetup
Columbus Bitcoin Meetup
( this meetup was rescheduled from 1-27 due to the weather conditions) **NEW LOCATION - THE DAILY GROWLER -** **2812 Fishinger Rd, Upper Arlington, OH 43221** Over the years, we’ve heard two requests constantly: 1. A place that was quieter and possibly private. 2. “I wish they accepted Bitcoin.” We’ve finally found a solution to these requests with The Daily Growler. We’ll have access to their private room, and you’ll be able to pay your tab with Bitcoin. Join us for a fun and relaxed social event! Enjoy delicious food and drinks as we chat about the latest news in the Bitcoin world. Everyone is welcome, whether you're looking for guidance, have questions, or just want to meet like-minded people. These social evenings are a great opportunity to make new friends and enhance your experience at the larger events throughout the year. We look forward to seeing you there! PSA: If the attendee RSVP seems low, keep in mind that most of our attendees come from X and not [meetup.com.](http://meetup.com./) You are welcome to come and become a part of our online community. Recordings of past guest speakers are available on our YouTube channel [https://www.youtube.com/@columbusbitcoin](https://www.youtube.com/@columbusbitcoin)