What You Must Know About Leadership Skills

How often do you ignore the chance to show leadership? Or, maybe you’re often overlooked when people are seeking a leader? Do not let this opportunity to learn about leadership pass you by and know that it is vital you pay close attention. The following article will show you what it takes to help add leadership skills to your own life.

Make it a point to look for hidden talent in your teammates. When you seek others to assist in your business efforts, it should start becoming clear which folks can help the most. Additionally, when recruiting and hiring people search out candidates with the potential to do great things.

Show your appreciation for your team. Simple things such as thank you notes can make a big difference. That little acknowledgement can brighten a day, and lift a mood, and costs you nothing.

Always be prepared before you speak with your team. Consider possible questions they may have. Spend time developing strong answers for them. By always having the answers to their questions, you will build confidence among your team. This saves time, too.

Set goals for everyone under you. Everyone enjoys striving for things, and leaders try positioning yearly goals for their team. Do not just set them and forget about it. Have monthly meetings to see what the status is on your goals, and hold your employees accountable for getting things accomplished.

If you make a mistake, admit it. Even the best leaders will make the occasional mistake. A good leader would be able to admit guilt and be able to explain the problem to their employees. It shows that you’re a a real person too and not above them. Making mistakes is not something you would expect from a leader but showing your human side is definitely an efficient strategy.

Own your words. Good leadership is about taking responsibility for the things you do or say. You are the core of the business, so your moves reflect on the company as a whole. If things have gone awry because of your actions, then you need to make good immediately. Do not rely on others to fix your mistakes.

You must be able to communicate through words effectively. Leadership isn’t all about how you hold yourself and your vision. You must be able to articulate yourself. If you don’t bother to spell check, use poor grammar or write in ways that don’t get the point across, others will look poorly on you and your abilities. Pay attention to how you write.

You should always strive to become a better leader. It’s an important part of life. Now that you have the right information, you’re ready to start. Turn your goals into your priority so your experience can get you through.

Check Out These Excellent Source Of Information About Muscle Building

You have to have time, knowledge, and dedication in order to better your quality of life. Muscle building is no different. You have to have the proper tools to reach your goals. The following article contains proven tips that will help you be successful in building your muscles.

Do some web research to ensure that the exercises you are doing match your bodybuilding goals. There are many different exercising options that are available to muscle builders, including toning multiple groups of muscles at the same time. Select the best building techniques and diversify your exercises so you develop all your muscle groups.

Warming up correctly is vital when it comes to increasing your muscle mass. When your muscles get stronger, they will experience a lot of additional stress that can make them prone to injury. You can prevent hurting yourself by warming up and cooling down. Warm-ups consist of light exercise followed by warm-up sets of exercise. Don’t lift weights until you’ve completed your warm-up routine.

Protein is one of the building blocks of muscle growth. You can get the mega doses of protein needed for weight training by drinking protein shakes or taking protein supplements. They are especially beneficial after a workout and also right before going to bed. In order to drop pounds while also building muscle, try to drink one of these on a daily basis. However, gaining mass together with muscle means up to about three shakes per day.

When training, try to do as many sets and reps as possible. Try taking breaks that don’t exceed 1 minute and try 15 reps for each set. The lactic acid in your muscles will continue to flow and as a result, muscle growth will be stimulated. You will maximize your bodybuilding by committing to this several times during each of your sessions.

Try to make sure you stretch out your muscles while you work out. An individual who is less than 40 years old should hold their stretch for 30 seconds or more. However, if you are older than forty, you should try to maintain a stretch for about sixty seconds. This will lessen the chances of your body getting injured while doing muscle development exercises.

Definitely learn your limits, but do not quit doing a particular exercise until your ability to complete a rep is totally exhausted. With every set that you do, try to push your body until you can not lift even one more pound. If you must, lower your set length.

It is important to remember that certain groups of muscles are more difficult to build than others. A fill set can target problem groups. A fill set is a short set targeting the problem muscle groups a few days after they were last worked out hard.

Term Goals

Make your near-term goals realistic. Trying to lift too much too fast is a surefire way to sink your long-term goals and cause your body injury. Once you learn what you can lift in the beginning, set reachable goals for the future. At times you may be able to achieve more than you think. Use this as encouragement to keep working out.

Education is important for making sure you have an easier and successful outcome with weight training. By implementing the advice from this article into your workout, you will be guaranteed to get the body you want.

What You Need To Know When It Comes To Retirement

Retiring comfortably is a dream for many. It is not too hard to reach. Have you any idea on how to turn your retirement wishes into reality? If you were not aware, this article will teach you how.

Save earlier for more comfort during retirement. Even small contributions will help. As you start to make more money, you should put more back into savings. An interest-bearing account will result in greater earnings, as your money will grow over time.

Retirement can be a great time to become more active physically. It is very important to keep your muscles, bones and heart strong as you grow older. By working exercise into your daily routine, you may enjoy your retirement even longer.

Is retirement planning overwhelming you? There is never a bad time to get started. Start today by looking at how much you could afford to save. If it’s not much, don’t worry. Begin saving now, and you will soon have a tidy sum to invest.

You should save as much as you can for the retirement years, but you need to invest wisely. If you can add diversity to your portfolio, it will pay off handsomely. When you spread your money around into different types, you will be taking less risk.

If you work for a company, take a close look at what pension plans they offer. Whatever the plan is, make sure that you are covered and exactly how it works. It is critical to fully understand what the impact is if you change jobs. Find out if you can get any benefits from your previous employer. You can actually get the benefits from your wife or husband’s plan.

Involve yourself with a group of retirees. It will help fill your free time if you have friends that have plenty of time to spend with you. You can engage in a number of fun activities with this group of friends. In addition, you may find it easier to talk to them than to people who are younger than you.

You should pay off your debts before you consider retirement. Pay off the larger loans to prevent interest from hurting you. The less money you need to put out on basic bills, the more fun you can bring into your life.

Do not assume that Social Security benefits will provide you with enough money to live on. SS benefits only pay about 40 percent of the income your currently receive, and that will not cover the cost of your living. You will need at least 70 percent of your current salary to live comfortably.

Once you retire and are trying to make your money go farther, downsizing is something to consider. Even if your mortgage has been paid off, you still need to worry about expenses for maintenance and things such as your electricity bill. Think about getting a smaller place to live. When you do, you will save lots of money every month.

When you retire, you can spend quality time with your grandkids. If your children are struggling with paying for childcare, you can help with taking care of the grandchildren. Try to have some time to have a fun time with your grandchildren, and you can plan to have activities that everyone will enjoy. However don’t care for children full time.

What does your retirement income look like these days? You need to make sure that you know what benefits from the government will be available to you, what your pension plan is doing and much more. You’ll have a more comfortable and secure retirement if you have more funds available to you. Consider diversifying your sources of income now so that you will have a variety of options later.

It doesn’t matter what your situation is, don’t use your retirement savings before you are retired. That action will cause you to lose both principal and interest. Also, there may be withdrawal penalties for taking the money out and you could lose some tax benefits. Only use those monies once you have retired.

Have some fun. Though your schedule and options have changed, you need to find happiness in each day. Find a new hobby or new people to enjoy spending time with.

Think about reverse mortgages. Taking this step allows you to maintain possession of your home. You can also get a loan because of the equity in the house. You don’t have to repay it, but after you die, the loan is paid by your estate. You will have greater funds to live on this way.

We have the expert advice you need to plan for retirement. Use the tips you’ve just read so that your retirement goes smoothly. You can have a comfortable retirement, but you must start planning today.

Having Trouble With Your Home Business? Try These Tips

Creating and managing a work from home business can be difficult. That said, it can be easy to do if you know what you’re doing. The way to succeed is to take your time learning what you need to know about keeping a business running. Continue reading to learn more.

Make the satisfaction of your current customers your number one priority. It is easier to generate income from repeat buyers than to attract new ones. If your customers are happy, they will come back.

Keep two phone lines, one for home and one for the business. In this way, you can have a dedicated business message for callers and you can avoid embarrassing mix-ups.

To make sure your customers are happy, go that extra mile for them. Give them a little gift when they buy something, or even offer them discounts on their next purchase. People like to have free stuff, and they also like being appreciated. Let them know that they are important to your business.

One of the best things to do when setting up a home based business is to get a PO Box for your business mail. Never use your house address when posting things online. You want to protect both your identity and your family’s identity.

Sign up for work from home business discussion groups and forums on the Internet. You can network and get helpful advice all in the one spot, all while promoting your own business. Networking like this can often pay off!

Ask your customers to refer loved ones to your business in return for an incentive. Word of mouth is the most powerful way of advertising because the recommendation of a friend is always more reliable than any flyer that you can send. These also encourage current customers to stay loyal to you.

Make sure you keep records of all business expenses as this can help you save money. This includes things like business related car mileage and Internet service. When you are a business owner you can make these deductible. Small things can add up, so make sure you ferret out all the deductions you can.

Make sure you develop a game plan when you are running a online business. You may have a small business, but you will always have goals. You need to figure out what you need to do to reach them. Planning out what you will do will give you the right framework to build your business.

Reduce your business expenses by taking any and all tax deductions that are available to you. Claiming every deduction for which you qualify on your taxes can save you a sizable amount of money.

You need a plan to help establish your home based business. This is a short, punchy description of your company and its services. When people ask about your company, tell them the objectives that you have already thought through. This is a great way to talk about your company in a confident yet concise way.

If you’re running a daycare from your home, then you probably know that having a sufficient amount of help is crucial to your success, as well as your sanity. If you do not have the help you need, keeping the kids under control, feeding them, having them nap and other tasks that are normally easy, will be made a pain.

Remember this information that you learned. It is important in helping you set up a successful business. Unless you try out these tips, you’ll never better your business.

Are You Interested In Weight Training? Read This Article

Have you decided that you would like to begin building muscle? Are you looking for information and advice that will help you achieve this goal? You will find some educational tips below that can help you build muscle the right way. If you want better muscles, check them out.

Adapt your diet in function of how much you exercise. You should aim to consume as many calories as it requires for you to put on one pound every week. Research healthy ways for you to add muscle mass, and if increased caloric intake does not improve your mass, then consider weight training supplements.

The “big three” should form the core of your exercise routine. Those are bench presses, dead lifts and squats. These particular exercises not only increase your bulk, but they also ensure your body is well conditioned and help improve your overall strength as well. Add variations of these exercises to your usual workouts.

Term Goals

If you are having problems staying motivated, you may find it helpful to establish short-terms goals for yourself. Once you have met your goals, reward yourself. Building muscle needs a true commitment that lasts a while, so it is critical to constantly motivate yourself. The rewards that you set for attaining your short-term goals can be used to assist in the success of your long-term goals. As an example, obtaining a massage can not only improve the blood flow to your muscles, it can also aid in recovery on days you take off from working out.

If you do extreme cardio workouts or want to train for a marathon, don’t try to build bigger muscles. Doing cardio is great for overall fitness, though if you do too much, your body will not be able to build a lot of muscles mass with strength training at the same time. When you are trying to build up your muscle mass, concentrate more on your strength exercises and a little less on conditioning.

If you want to be successful at building muscle, you need to consume enough carbohydrates. They give you the energy you need to perform your training. If you’re seriously training, every day you have to eat about two to three grams of carbohydrates for every pound you weigh.

Keep your workouts to a sixty-minute maximum length. Your body will produce more stress hormone, called cortisol, if you exceed an hour long workout. Cortisol will block the production of testosterone and will make your efforts wasted and not build muscle. Keeping workouts less than sixty minutes is a great way to get the most out of your workout.

Once your workout is complete, you need to stretch thoroughly, so that your muscles repair themselves and continue to grow. If you are younger than forty years old, you should be capable of maintaining each stretch for half a minute. For those over 40, stretches should be held at a minimum of 60 seconds. This will work to prevent any injuries from happening after you have worked your muscles.

Building muscle does not always have to mean having a hard six pack or huge biceps. Different muscle development routines will sculpt your body in different ways. If your goal is large, bulky muscles, then most likely you will need to add a supplement to your routine.

Try learning your limits, but don’t stop exercising until you use everything at your disposal. Push yourself during each set until you are literally physically unable to complete another rep. If necessary, you can use a pyramid system and decrease the number of reps as you fatigue.

It is important to limit the amount of your workouts to three to four times a week. This can give your body time to recover. Too much exercise may cause injury and that can be counterproductive.

If you are serious about building up muscle mass, you need to start with the right information. Take the tips from this article and apply the techniques in your everyday fitness routine to help you successfully build muscles. Stick with it, and do not give up.

Retirement Advice And Tips For A Solid Nest Egg

Most people dream of retiring. This is a time where you’re going to be able to do what you like because you’ll have a lot of free time that work used to take up. If you want to retire comfortably, you need to plan for it. Read this article for some helpful advice.

Know exactly what you’re going to need and what it will cost when you retire. 70% of your current income per year is a good ballpark figure to aim for. People who already receive a low income may need around 90%.

The majority of people eagerly anticipate the day on which they can retire, particularly after working for years. They believe retirement will be a wonderful time when they can do things they could not during their working years. This can certainly be the case, but it does take hard work to get to this point.

When you retire, you will no longer use the excuse that you have no time to stay in shape! You will really need to care for your body in retirement, because it’s important as you age. Work out every day so that you can enjoy your retirement years to the fullest.

Look at the retirement savings plan that you have through your employer. Take advantage of any retirement plans that your employer offers. Learn everything you can about the plan, how much you need to put in, as well as how long you will have to stick with it if you want to get your money.

While saving as much as possible towards retirement is key, thinking about the types of investments to make is also important. Try not to put all of your eggs into one basket. Diversify your portfolio. That will make things less risky.

Downsizing is the name of the retirement game. Despite the most careful planning, life may have some surprises in store for you! Things like unexpected medical bills can throw a monkey wrench into even the best-laid plans.

A lot of people think that when they retire, they’ll have as much time as they want to do whatever they want. Time can slip away quickly as we get older. When you plan your time properly, you will have time to do what you want everyday.

Consider opting into a health plan for the long haul. As people age, they often face declining health. Medical bills can often add monthly expenses that were not originally planned for. A health care plan will ensure that you will be covered if you become ill.

Look into pension plans offered by your employer. If you can locate a traditional pension, discover how it works as well as if it covers you. If you switch jobs, learn about the repercussions on your current plan. It may be possible to get benefits from your last employer. You might also be able to get benefits from a spousal employer pension.

Even after age 50 it’s still possible to play “catch up” with your IRA contributions. There is typically a yearly limit of $5,500 that you can save in your IRA. Once you reach 50, however, the limit will be increased to about $17,500. It is great if you get started late but still need to save a lot.

Make friends with other retired people. Now that you have more free time, your social life will become more active. When you have a group of people, you can do a lot of fun activities that retired people can enjoy. They will also offer you an outlet should you need support.

Even if you find yourself in a tough financial predicament, never access your retirement funds until you retire. That action will cause you to lose both principal and interest. Also, you may have to pay withdrawal penalties when you take your money out as well as losing some tax benefits. Don’t use the retirement money until you retired.

Educate yourself on Medicare and its benefits. If you already have insurance, you should learn how they will work together. Increasing your understanding on how that works will ensure you that you will be fully covered.

Look into whether or not a hobby can make you some money. You may enjoy woodworking, sewing, or painting. Use your skills during the colder months and sell your wares during summer flea markets and craft shows.

Get rid of debt before retirement. Old debt is a burden you don’t need during your golden years. Get your finances in order now so that you can enjoy yourself later on.

Planning for retirement helps ensure that you will have an enjoyable life. Start planning as soon as possible. Keep the advice here in mind, and have fun during your future retirement!

Learn About Leadership And How To Improve Your Skills

It’s difficult to define what makes a great leader. Having the right skill set is another important part of being a leader. Each situation is unique, and you must learn what it’s going to take for you to become a better leader.

No one is able to read your mind. Tell people exactly what needs to be done for a job to be finished, when it should get done, and how it should be done. Also, you need to put a policy that’s open door into place. This will help foster a willingness in employees to come back to ask questions when necessary.

Identifying talents in other individuals is essential to strong leadership. When you are in the process of looking for people to help you, it should be simple for you to decide who would give you the best benefit. This also applies to contacting and hiring people for your small jobs.

Do everything you can to be approachable. Intimidation is a tactic too many leaders use today. This is not a wise choice and you will not earn the respect of others. Communicate your availability to help employees sort through difficult issues and obstacles in their jobs.

To be an effective leader in business, never lower your standards in order to compete. Just because your competitors are cheating does not mean that you have to. There are other ways to do things, and you need to seek them out. If you’re able to figure out new ways to compete with them, you’ll be happier with the decision you made.

Incentives are a great way to improve output. Yes, everyone has a salary for doing their jobs, but incentives are a big peace of the leadership puzzle. If an employee goes above and beyond, show them that you see it and encourage it with some sort of bonus or gift. Good leaders do not hold back rewards.

Set missions and goals for the whole company. Pose annual goals to your team. Do not just set them and forget about it. Hold monthly meeting to see if your team is on track to reach the goals.

Set high standards aimed at meeting your goals but make sure your goals are attainable. An impossible goal is asking for failure. Failures like this only serve to promote your inability to lead.

Promote synergy whenever possible. Have a clear idea on what you would like to personally achieve. As well, take account of your business goals. They should be aligned and have similarities. You must work on both simultaneously. If that’s impossible, over time you may lose your drive for the business.

Find out how you can write in an effective way. Leadership isn’t all about how you hold yourself and your vision. Your success relies on your use of words, as well. If your writing is sloppy and filled with misspellings and bad grammar, it won’t be easy for your partners or employees to think of you seriously. Take note of this, and pay attention to what and how you write.

Your leadership skills can assist you in structuring a great team that is productive together. Be a team member yourself: talk with your colleagues and respond to them honestly about issues they may have. With your support, your team can complete their daily assignments without too much supervision.

Leadership is about helping others realize their potential and holding firm to the things that are important to you. Using what you have read here will make a big difference. Always be modest and strive for greatness in order to be an effective leader.

All You Need To Learn About Muscle Development

Lifting weights, if done properly, is a fun way to increase your health and fitness levels. Not only will you take pleasure in the workout, you will reap many helpful rewards when you begin to build muscle. Your first step is to learn what it takes to exercise in a manner which works for you, so read on for a few tips and tricks to get you started.

Setting short-term goals and rewarding yourself for attaining these goals can be an excellent source of motivation. Achieving long term goals requires that you provide yourself with motivation along the way. Make your rewards coincide with your goal to gain muscle. You could get a deep tissue massage, for example; it will increase your blood flow, help to boost your mood and even aid in rebuilding damaged muscles.

If you are trying to build large muscles, do not attempt it while doing any form of intense cardio training. Although cardio is important for your overall fitness, large amounts of it can negatively impact strength training attempts. If your focus is to build muscle, concentrate on strength-training.

When training, try to do as many sets and reps as possible. Make sure each rep includes 15 lifts or more, and always have a break between reps. This can help to increase the flow of lactic acids, which help muscle growth. You will maximize your bodybuilding by committing to this several times during each of your sessions.

Drinking enough water is critical to building muscle. If you aren’t keeping yourself hydrated with water properly, then there is a high chance that you will injure yourself or your muscles. Furthermore, hydration is vital to the process of building and keeping muscle mass, and therefore plays multiple roles.

Build Muscle

Make sure you are eating food that supports your workout schedule. If you want to build muscle, concentrate on eating protein at the expense of fats. Don’t simply eat more; eat in a more balanced fashion. Try taking protein supplements and vitamins to build muscle faster.

Carefully choose which moves you concentrate on since some are risky with excess weight. It is quite possible to sustain an injury by doing neck movements, split squats and dips, as they can place joints in precarious positions. Bigger exercises like, rows, deads, presses and squats are more appropriate for the heavier loads.

Do squats intelligently. Put the bar down on your back close to the trap centers. This will put a lot higher demand on your hamstrings, hips and glutes, which allows you to lift more.

Creatine may be a good supplement for you. This supplements helps you train longer and harder when taken in combination with a diet rich in proteins and carbs. Be sure to consult your doctor to find out if these supplements are safe for you.

It feels great to be healthy, and building lean muscle is an important part of that. You’ll be happier with your progress towards fitness if you add weight training exercises to your fitness routine than if you just do cardio exercise. Pair these together and workout often so you can see changes quickly!

Awesome Work From Home Business Strategies That Can Work For You

A home based business is quickly becoming the best solution for financial freedom to those who have the drive to carry through. Even though this is true, knowing how and where to begin is a challenge. You must learn all that is possible about the implementation and management of a work from home business in order to have success. This article served as a strong start.

If you must take clients out, you can itemize these expenses. The IRS counts these types of meetings as business expenses that can be deducted. When doing this however, make sure to only do so with business associates or customers, because taking your kids to lunch and claiming a business deduction is not smiled upon by the IRS.

Create a schedule that separates your personal time from your work time, and stick to it. End your business day by setting a specific time to let the answering machine take any further business calls. You need to allow time for your friends and family as well as your business.

You should let all your friends and relatives know about your business venture. Use the offers for something free to entice buyers to help your business start up. Ask them to spread around the word to others about it. You’d be surprised at how effective this type of word of mouth advertising is.

Do not quit your current employment when starting a home business enterprise. It takes a while to start making any money, so if you can keep your income from work, that will help. Having an income while building up your new business is highly beneficial.

To keep track of your business, open a checking account strictly for the business. Get in the habit of sending everything to this account. By doing so, you will never be confused about your expenditures or how much you are making. It also helps to have a credit card that you use solely for business expenses.

Setting up a home business enterprise is easier than you think. There are many simple models that you can operate from your home, so you won’t need the headache of a storefront. Allow yourself to think about the things you wish you had around where you live and then go over what needs to be done to start that kind of a business.

An insurance policy that covers you for liability is a must when your business is based at home. You cannot have customers coming to visit your work from home business without it. Should there be any kind of accident, liability insurance will protect you and your property.

Just because you run your business from home, doesn’t mean that it can’t look professional. An unprofessional looking website will stave customers away fast. When you are looking to make a website, find out what other websites look like.

Now that you have a greater idea of what you need to do to create and manage a home based business, you should start feeling like you can accomplish your online business goals. Remember that the information you learned is only going to work if you apply it. If you follow the tips in this article, then your home business enterprise should succeed.

Top Tips And Techniques For Solid Retirement Savings

There are many who want to retire but they hate the idea of planning it. There are many reasons for this. However, it is essential that you plan and save for your golden years. What are some things you should be aware of when planning for retirement? Read on to learn more!

Don’t waste money on miscellaneous expenses. Jot down your expenses and consider where you can make some cuts. Over the course of 30 years, these expenses can really add up and eliminating them can serve as a large source of income.

The younger you are when you begin your savings, the greater amount you will have to retire with. Even if you need to start tiny, start today. You should try to increase the amount of money you invest in your retirement each time you get a pay increase. Getting your money into an account that is one with interest bearing options will allow the money to grow with time which nets you more money.

Partial Retirement

Many people think of fully retiring, but partial retirement is another great option. Partial retirement may be the answer if you are ready to retire but don’t have the money. This means working part time on your career. Once you are more financially set, you can move into complete retirement.

Now that you have a lot of free time, you can get in excellent physical condition. The added benefit of becoming more active can also reduce your risk of becoming ill. Take time to participate in regular workouts so that you can stay healthy and enjoy retirement for a long time.

Do you feel overwhelmed when you think about retirement? Now is as good a time as any. Take a look at your spending. Determine how much you can afford to put back every month. It might not be much; that’s okay. Taking the steps to start saving something – even a little – will help you build a nest egg that will grow over time.

Understand the retirement plan at your company. Take advantage of any retirement plans that your employer offers. Learn all you can about your plan, the amount you must contribute, and how long you must stay with it to obtain the money.

You should save as much as you can for your retirement, but you should also learn how to invest that money wisely to maximize returns. Be sure that you avoid putting everything in one place; have a properly diversified portfolio. Reducing risk is a must.

Consider waiting two more years before drawing from Social Security. When you wait, you can count on collecting a larger monthly payment. Working part time or gaining money from other resources makes this more feasible.

Regularly recalibrate your investments, but do not go overboard. If you do this more often you can be emotionally vulnerable to the way the market is swinging. If you don’t do it a lot then you can miss opportunities on winning stocks that could help you. An investment professional can help you determine where to invest for retirement.

Health Plan

Consider opting into a health plan for the long haul. For most people, health deteriorates as they get older. In a lot of cases this decline means healthcare expenses that can cost a bit. If you get a health plan that’s long term you can get your needs taken care of at a facility or in the home if you have health problems.

Even after age 50 it’s still possible to play “catch up” with your IRA contributions. Generally speaking, $5,500 is the maximum that you can put in your IRA each year. But, after you hit age 50, the limit grows to roughly $17,500. If you started saving late, this will help you save more money faster.

Retirement isn’t as difficult as you may think. It takes some time and willpower, but it is worth it. Keep the information you learned here in mind to have an easier time.