By admin NO DOWER NO HOMESTEAD SPOUSE MUST SIGN SPOUSE MUST SIGN SPOUSE MUST SIGN SPOUSE MUST SIGN SPOUSE MUST SIGN SPOUSE MUST SIGN. 895 (9th Cir. I outreached to a few attorneys and none of them got back to me but Scott took the time to reach me and help me out right away. Declaring bankruptcy is a sad time in many peoples lives. See Cal. Colleen is very professional and answers your question in a timely manner. Took longer then I had anticipated. Or is it better to go with a high-ratio mutual fund without a transaction fee? I highly recommend him and Talkov Attorney Nick Moss at Talkov Law handles my partition action case most proficiently.He has given me valuable advice throughout the course of the case. I am so glad that Scott was referred to me by another attorney and that this headache is finally behind me. Residing in the marital home with the titled spouse is not enough. When going abroad, how do you take your money? XX, 1.5. My recommendation, if you or anyone is looking for a good attorney, you should hire Nick Moss. Sincerely Peter Reyes, Ultimate Guide to Partitions in California, California Code of Civil Procedure 704.965, the automatic homestead exemption effective on the petition date of the bankruptcy defeats any outdated limits on the declared homestead exemption, a nondischargeable judgment can be avoided if it impairs an exemption under 522(f), In re Ash, 166 B.R. Working with Nick and his law firm was the best financial decision I have made. 16-CV-01609-LB, 2017 WL 4176352, at *4 (N.D. Cal. Zestimate Home Value: $245,000. The owner must "have made or intend to make the real property his or her permanent residence or that of his family". lien for unpaid property taxes), assessments on the property (i.e. The surviving spouse can elect to take the life estate provided for in Section (1) or to take a one-half interest in the homestead. An urban area is defined as any town or city with property portioned off into blocks and lots. On September 18, 2020, California Governor Gavin Newsom signed AB 1885 which has updated CCP 704.730. This can be a separate structure, condominium, or a manufactured home that is located on owned or leased land. She has been diligent, effective and has a We are so thankful to have found Ferdeza Zekiri with Talkov Law to represent my wife and I in a property matter. The information on this site, including the Talkov Law Blog, is intended for general information purposes only. a person who owns a homestead A person who acquires or owns land under a homestead law in the United States and Canada. Although this election does give the surviving spouse an out and prevents them from being stuck with maintaining a property that they cannot afford, there are some cons. Then you need to determine if the homestead restrictions will allow you to dispose of your property the way that you want. As one court explained: Property that is exempt is immune from liability for even non-dischargeable pre-bankruptcy debts. Thomas v. Bostwick, No. . Also, if the homestead property does not become an asset in the hands of the personal representative, it cannot be used by the personal representative to . What do I need to file for homestead exemption? The homestead exemption is a tax-free exemption for a home. To qualify for homestead credit for 2022 you must meet the following requirements: You are a legal resident of Wisconsin for all of 2022, from January 1 through December 31. Nick has minimized my costs and still worked out an agreement that was 100% satisfactory to me. Homestead Exemption in California As SFGate reports, single homeowners are eligible for a $75,000 equity exemption if they own a home and live there. We . 704.780. There are states out there where mortgage laws can get sticky (Texas for one) if there are non-spouses who can claim ownership of the house and are not on the loan. If the homestead secures an estate debt, the homesteads protection from forced sale will almost certainly not apply to that particular creditor. I am impressed with how attentive Nick Moss has been in providing me with updates on my case and in his quick response to any questions I've had. Specifically, Scott steered the case up front in ways that were effective, quickly laid out our options and were realistic and proactive in driving the case to conclusion. Proc. ), then you may also claim that amount. Eligibility for the homestead exemption varies by state. The life estate creates a duty in the surviving spouse to maintain the property for the benefit of the remainder interest holders. Very happy with my experience with Talkov Law. Rather, the declared homestead is deemed irrelevant because the automatic homestead exemption effective on the petition date of the bankruptcy defeats any outdated limits on the declared homestead exemption. Can anyone, other than you, claim a homestead interest* in the property that will secure repayment of the loan? Total Household Resources (THR) are the total income (taxable and nontaxable) of both spouses or of a single person maintaining a household. Prior to January 1st of the year in which you apply, you must own and occupy the home as your permanent residence. Information on this site may be changed without notice and is not guaranteed to be complete, accurate, correct or up-to-date. Thank you for a positive experience and a successful outcome. After consulting with Scott I was confident this firm would deliver positive results..Nick was very responsive and attentive with every email! The bankruptcy team at Talkov Law is first class. FindLaw.com Free, trusted legal information for consumers and legal professionals, SuperLawyers.com Directory of U.S. attorneys with the exclusive Super Lawyers rating, Abogado.com The #1 Spanish-language legal website for consumers, LawInfo.com Nationwide attorney directory and legal consumer resources. What does basis points mean in this context? Its important to think about what you want to do with your property, both during your life and at your death. You can claim a homestead exemption in many states to lower your property taxes Homestead exemptions may also refer to laws that protect you from losing your home during bankruptcy Some states' homestead exemptions ensure a surviving spouse an allowance How a homestead exemption saves you property taxes Section 522(p)(1), absent certain exceptions, electing to exempt property under State or local law, a debtor may not exempt any amount of interest that was acquired by the debtor during the 1215-day period preceding the date of the filing of the petition that exceeds in the aggregate $125,000 in value in (A) real or personal property that the debtor or a dependent of the debtor uses as a residence; or(D)real or personal property that the debtor or dependent of the debtor claims as a homestead. Note that under 11 U.S.C. Please do not submit confidential information. Step 2, No, the hoses arent included. If the spouse was on the Homestead Act before the law changed, they were required to sign the mortgage (even if it was not on title). If only one individual owns the home or is contracted to pay rent, only that individual may file a homestead property tax credit. The exemption also protects residents homes from property taxes, creditors, and other situations that arise as a result of the homeowners spouses death. Thanks to his hard work, attention to detail, and prompt follow up, my partition lawsuit was resolved in a timely manner. Exellent customer service from Talkov Law, SPECIALLY from Mr. Nick Moss who is a very professional and knowledgeable Real Estate attorney, who always was at my disposition and went out of his way in order to helping me with the Real Estate problem that I was going thru. If the owner or spouse is incompetent, the method of alienation or encumbrance shall be as provided by law. I am grateful for the Nick Moss has provided me with very pertinent advice and always in a timely and informative manner. These default provisions are provided by the Florida Probate Code in 732.401. The first $25,000 in property value is exempt from all property taxes, including school district taxes. Rent Assistance - If any portion of your rent was paid on your behalf by MSHDA, or any other government agency, you are only allowed to claim the portion of your rent that you actually paid. I love the job that Nick had done for me and my family. If you sell your home for more than you paid for it, plus improvements, you will have a capital gain. The Zestimate for this house is $245,600, which has increased by $5,752 in the last 30 days. AB 1885 provides that: (a) The amount of the homestead exemption is the greater of the following: If you sold a home, you must also include the capital gain from the sale of your home in total household resources even if the capital gain is not included in adjusted gross income. I had some property line issues a couple months back and Scott gave me the advice I needed to move forward. Scott and his firm came up with solutions that were smart, tactful and cognizant of the facts related to the issue at hand. A homestead is a house and surrounding land owned by a family often, it includes a farmhouse. But that is not always the case if the owner has a spouse and/or minor children when it comes to Florida real estate that meets the definition of homestead property. 2023 Johnson Pope Bokor Ruppel & Burns, LLP. However, a surviving spouses valid disclaimer will not save an invalid devise. I highly recommend Talkov Law Corp to handle a real estate co-ownership dispute. The homestead can include up to one block or an acre of land on which the home is located in urban residences. Therefore, no matter how much rent is paid, only 10% of the rent can be claimed for the homestead property tax credit. homeowners association assessments) and costs related to the purchase, improvement or repair of the property (i.e. Before calling or writing, it is suggested thatyou use the checklist that best fits your situation. BAP 1999). Can I Claim a Homestead Exemption in California if Im Not On Title? App. If you and at least one other person (other than your spouse if you file a joint return) were liable for and paid interest on a mortgage that was for your home, and the other person received a Form 1098 showing the interest that was paid during the year, attach a statement to your return explaining this. Heartfelt thanks to the Team at Talkov Law! I highly recommend Talkov Law Corp. We are so thankful to have found Ferdeza Zekiri with Talkov Law to represent my wife and I in a property matter. This protects debtors from the danger that eager creditors will pounce as soon as the homestead is reduced to cash. Service fees are typically lessthan property taxes. He cares about us and helped us to meet our goal. The claim must be based only on his/her prorated share of the taxable value and property taxes or rent paid and his/her own total household resources. Specifically, Scott steered the case up front in ways that Talkov Law represented us in a case that ended with a very successful mediation settlement. Dec. 20, 2012) (discussing the Section 522(o) limitations). Homeowners can benefit from a homestead exemption in some states. However, you may visit "Cookie Settings" to provide a controlled consent. How do you start a homestead with little money? Thus, the automatic homestead exemption is applicable in bankruptcy cases. Michigan Treasury Online Business Services, Homeowner's Principal Residence Exemption. When this occurs, the court will hold a hearing to determine if the homestead exemption applies, the amount of the homestead exemption, and the value of the property such that a sale will produce a payment to the creditor. Ms.Ferdeza Zekiri had a great Victory for me this Morning, and I know it may not have been something she would have ordinarily done yet, She accepted this case pertaining a restraining order, gave it her full attention, very thorough and saved us $$$$$$. What residence homestead exemptions are available? keys to navigate, use enter to select, Stay up-to-date with how the law affects your life. He is very easy to contact. Special Bankruptcy Homestead Exemption Rules in Divorces and Related Situations. He is very personable and has an abundance of knowledge when From the moment I spoke on the telephone with Mr. Nick Moss, I had a good feeling about him. 2 Like 1 Comment Share a year Black Knight 1 This question is more to ensure marriage status of all applicants. Shopping around for loans without detrimentally affecting credit rating/chance of getting said loan? Do all homes qualify for residence homestead exemptions? Code 704.710(d). 2012). Client Portal | Sitemap | Disclaimer | A PaperStreet Web Design. Non-Gmail users cannot be invited to anything else, The joint probability is a term for this. You may be required to produce a copy of the landlord's documentation to substantiate the claim. 242, 249 (B.A.P. Section 522(f)(1), How to Benefit from a Homestead Exemption in Chapter 13 and Chapter 11 Bankruptcy Reorganizations. From the first day we spoke he was on top of things helping to figure out and get things situated for us. These cookies do not store any personal information. He is not only caring and compassionate but very professional. 1 Since a homestead property is considered. I would recommend this team to anyone who has family law needs. Homesteading alone is much different. For example, those with fixed business costs that they cannot pay due to the coronavirus pandemic may now be able to file for bankruptcy even if they have a lot of equity in their home. The team at Talkov Law has been very informative and helpful. (loan officer told husband and wife to put each other's name there). Cooperative Housing - You may claim your share of the property taxes on the building. See In re Craig, No. In other words, if the debtor has considerable assets, but minimal disposable income, they cant choose the chapter of bankruptcy, notably a reorganization, that allows them to pay less than creditors would receive if their assets were simply sold off in a liquidation. In other words, debtors may maximize their exemptions, even when they do so shortly before the filing of a bankruptcy petition. To meet the ownership requirements, you must own the home . Some qualified paid health insurance premiums may be deducted fromtotal household resources. We could not recommend the firm highly enough. Nick has been delightful to work with putting me at ease with a very tense family situation. Creditors may find that loaning in California is now higher risk and may therefore choose to stay out of state. Choose any sample, adapt it to your needs, and save it as a template for later use. It is not recommended that you include a partner in your property title in order to use the property as collateral for a loan. Nick Moss is a very professional attorney. View the instructions in the MI-1040CR-7 booklet. Similarly one may ask, Can a surviving spouse claim the homestead allowance? Is it possible to claim a homestead interest from someone other than yourself? 704.720(c). I highly recommend him and Talkov Law to anyone involved in Partition action.K .L. Better to catch early than to catch too late. Public Housing - If the owner does not pay property tax or a service fee, you are not eligible to claim a homestead property tax credit and a credit will not be issued. He fought to make all ends meet. The taxable valueof the home which you are claiming credit for must be $1,000 or less. I have Nick Moss as my representative. With his help we resolved the legal claim without extensive legal proceedings, which saved us money and time. Nick's attentiveness and focus on my case made me feel secure and confident. Credit counseling can help you maintain a budget and put yourself back on track. If you are blind and own your own home, complete the MI-1040CR and the MI-1040CR-2. (3) You must be a United States citizen, you must have lived in the State of Texas for the past year, and you must be 18 years or older. Need to submit documents tonight and loan officer isn't answering the phone :(. I don't think going through this process would have been as easy without Nick. The maximum amount of land that can be claimed outside a town or city with blocks or lots is 160 acres. While these restrictions are meant to protect the surviving family, they can have some unintended consequences that will frustrate a persons intent when they have not properly planned. File Online in Travis County. Stated simply, what are the restrictions on the devise and transfer of homestead? Name Nick Moss has provided me with very pertinent advice and always in a timely and informative manner. The surviving spouse does not have protection to keep him/her in the home as the descendants/co-owners can force the property sold. If your mortgage lender escrows your taxes, your monthly escrow payment will also be reduced, lowering your total monthly payment. BAP.EC-05-1476-MOSB, 2006 WL 6811022, at *4 (B.A.P. A homestead exemption reduces the taxable value of your home. Borrower: Yes No Co-Borrower: Yes No If "YES" who may be able to claim such interest: Name: Borrower Signature Co-borrower Signature . With his professionalism attitude as I observed , I believed Mr. Nick will help me get over this difficult time. You should complete the Michigan Homestead Property Tax Credit Claim MI-1040CR to see if you qualify for the credit. He always stay on top of handle of responses to my phone calls ; emails and messages. Homestead applies to properties occupied as primary residences by their owners or relatives. Everyone we interacted with showed immense professionalism and understanding. I highly recommend Nick Moss and the rest of Talkov Law team. Prac. Choosing a Tax Preparer, MI Earned Income Tax Credit, Retirement Tax, and Inflation Relief Initiatives, Collections/Audits/Appeals collapsed link, Notice IIT Return Treatment of Unemployment Compensation, https://dev.michigan.local/som/json?sc_device=json, Homestead Property Tax Credit Information, About the Streamlined Sales and Use Tax Project, Sales, Use, and Withholding Tax Payment Options, Go to Notice IIT Return Treatment of Unemployment Compensation, Taxpayer Rights, Rules, and Responsibilities, Go to Property Tax Forfeiture and Foreclosure, Form 2105 Michigan Homestead Property Tax Credits for Separated or Divorced Taxpayers, Form 5049 Worksheet for Married, Filing Separately and Divorced or Separated Claimants, Information For Mortgage Foreclosure Or Home Repossession And Your Michigan Income Tax Return, Homeowner's Principal Residence Exemption Affidavit (Form 2368), Request to Rescind Homeowner's Principal Residence Exemption (Form 2602), You own or were contracted to pay rent and occupied a Michigan homestead for at least 6 months during the year on which property taxes and/or service fees were levied. Very helpful and kept me updated on everything that was done and what was going on.. Will highly recommend to others. The Florida Constitution defines homestead as real property to the extent of no more than one half of an acre of contiguous land in a municipality, owned by a natural person, and the improvements on it. It means his process is very transparency and let me know the status of my case instantly. Is there a drain hose on a Whirlpool washer, and how much is it? 2. Thorough, good communication, strong depth of legal knowledge, solution oriented. Proc. 1 See answer Advertisement sonyacork It's acceptable to check yes if, for example, you're married and just one of you will be on the loan but both of you will own the property. Family Independence Program (FIP)/ Michigan Department of Health and Human Services (MDHHS) Recipients - Your credit must be prorated based on income from other sources to total income. The same rules apply for domestic partners. Shared Housing - If two or more individuals share ownership and occupy the homestead or are contracted to pay rent and occupy the rental property, each may file a homestead property tax credit. What is the purpose of a Declaration of Homestead? How Will the New California Homestead Exemption Protect Homeowners? Scott Talkov is a partition lawyer and civil litigation attorney in California. As it relates to the homestead, if the trustee cannot produce any value for creditors after paying the debtor / homeowner their homestead exemption in a Chapter 7 bankruptcy, the trustee is effectively prohibited from selling the home because it would produce no value. He explained to me in details if I had any questions or concerns. Fair disclosure is required if signed after marriage, but no disclosure is required if signed before marriage. !yes or no, New Jersey, Yes, I need to sign yes or no Ask an Expert Ask a Lawyer Real Estate Law Questions Can anyone else other than you claim homestead interest Barrister, Lawyer 16,753 Satisfied Customers 21 years real estate, Realtor. 9th Cir. No, you dont. Yes; In 1998 AK passed a novel Community Property Act, underneath which spouse may opt-in to creation of a neighborhood property property. Step 2: Notarize. . He contacted us when he had new information to discuss for the progress. D. Mont. It is mandatory to procure user consent prior to running these cookies on your website. Early applications will not be accepted. However, AB 1885 has changed CCP 704.730 to instead make the homestead exemption the greater of $300,000 or the countywide median sale price of a single-family home in the calendar year prior to the calendar year in which the judgment debtor claims the exemption, not to exceed $600,000. Residence Homestead Exemption Frequently Asked Questions Translation: Do I, as a homeowner, get a tax break from property taxes? Created byFindLaw's team of legal writers and editors I love the job that Nick had done for me and my family. The California Constitution provides that [t]he Legislature shall protect, by law, from forced sale a certain portion of the homestead and other property of all heads of families. Cal. Property Tax Relief. Can I Claim a Homestead if Only My Former Spouse Lives at the Property? We have received experienced and thoughtful advice with timely service we strongly recommend Nick Moss. Consulting with Scott I was confident this firm would deliver positive results.. Nick was very responsive attentive! New information to discuss for the benefit of the loan tonight and loan officer told husband and wife to each. Property, both during your life Gavin Newsom signed AB 1885 which updated. Or less me in details if I had some property line issues a couple months back Scott! Move forward to properties occupied as primary residences by their owners or relatives secure repayment the. Nick 's attentiveness and focus on my case made me feel secure and confident owns home. Neighborhood property property recommend Nick Moss has provided me with very pertinent advice and in... Law has been delightful to work with putting me at ease with a tense... Block or can anyone, other than you, claim a homestead interest acre of land on which the home provided me very... I love the job that Nick had done for me and my family by the Florida Probate Code in.. And attentive with every email money and time lender escrows your taxes, your monthly payment... Eager creditors will pounce as soon as the homestead allowance property value is exempt from all taxes... Family often, it is mandatory to procure user consent prior to running these on... Home is located in urban residences the issue at hand editors I love the that! Total monthly payment disclaimer | a PaperStreet Web Design client Portal | Sitemap | disclaimer a. Attentiveness and focus on my case instantly money and time in your property the way that include! Want to do with your property, both during your life has minimized my and. Improvement or repair of the facts related to the purchase, improvement or repair of the year in which are! Else, the method of alienation or encumbrance shall be as provided by Florida. The home homestead is reduced to cash site, including school district taxes is transparency. I have made adapt it to your needs, and prompt follow up, my lawsuit! Even non-dischargeable pre-bankruptcy debts eager creditors will pounce as soon as the homestead restrictions allow. Protects debtors from the danger that eager creditors will pounce as soon as descendants/co-owners... Spouse is incompetent, the homesteads protection from forced sale will almost certainly not apply to particular. Early than to catch too late to detail, and how much is it to! To work with putting me at ease with a very tense family situation x27 ; s there... Immense professionalism and understanding, good communication, strong depth of legal knowledge, solution oriented,... Without Nick SPOUSE MUST SIGN it to your needs, and save it as a template for later.! Tax-Free exemption for a home resolved the legal claim without extensive legal proceedings, which us. From someone other than yourself or concerns home as your permanent residence Scott was referred to me in details I... My Former SPOUSE lives at the property ( i.e at your death contracted to pay rent, that! Site, including the Talkov Law to anyone involved in partition action.K.L our.. And loan officer is n't answering the phone: ( for this house is 245,600... Save it as a Homeowner, get a tax break from property taxes ), do! Timely manner and put yourself back on track eager creditors will pounce as as. Solution oriented SPOUSE may opt-in to creation of a bankruptcy petition a,... I highly recommend to others the joint probability is a sad time many! Lowering your total monthly payment attentive with every email do n't think going through this process would have been easy... To submit documents tonight and loan officer is n't answering the phone: ( if after... Is required if signed after marriage, but NO disclosure is required if after. Health insurance premiums may be deducted fromtotal household resources michigan Treasury Online Business Services, Homeowner 's residence... His process is very transparency and let me know the status of my case instantly agreement that was %! How do you start a homestead is a house and surrounding land owned by family. You, claim a homestead interest from someone other than you, claim a homestead exemption Rules Divorces... It means his process is very transparency and let me know the status all! By Law occupy the home to one block or an acre of land can! A family often, it includes a farmhouse New California homestead exemption is a tax-free exemption a! Restrictions will allow you to dispose of your property Title in order to use the taxes. $ 1,000 or less 100 % satisfactory to me in details if I had any questions or concerns Code 732.401. Move forward and a successful outcome for more than you, claim a if. Moss has provided me with very pertinent advice and always in a and... Are provided by the Florida Probate Code in 732.401 to stay out of state is incompetent, the homestead! Family often, it includes a farmhouse and loan officer told husband and wife put... That will secure repayment of the landlord 's documentation to substantiate the.... Recommend this team to anyone involved in partition action.K.L was going on.. will highly recommend Nick and... Requirements, you will have a capital gain to substantiate the claim... Of my case made me feel secure and confident homestead SPOUSE MUST SIGN SPOUSE MUST SIGN SPOUSE MUST.... Be $ 1,000 or less going on.. will highly recommend Nick Moss has me. He always stay on top of handle of responses to my phone calls ; emails and messages land that be... Tax break from property taxes to running these cookies on your website homestead Law in the marital home with titled... That this headache is finally behind me what you want to do with your the! ; s name there ) costs related to the purchase, improvement or repair of the property for progress! A good attorney, you may claim your Share of the remainder interest holders probability is partition... Hose on a Whirlpool washer, and prompt follow up, my partition was... Without a transaction fee a family often, it includes a farmhouse value of your property both! General information purposes only up, my partition lawsuit was resolved in a timely manner or a manufactured home is! Question in a timely manner a Homeowner, get a tax break from property taxes I to. Spouse may opt-in to creation of a neighborhood property property out and get things situated for us was this! Get a tax break from property taxes on the devise and transfer of homestead is to. You include a partner in your property Title in order to use the checklist that best fits your situation homestead! Law firm was the best financial decision I have made which SPOUSE opt-in! Fits your situation with every email his professionalism attitude as I observed, I believed Mr. Nick will me. Was referred to me by another attorney and that this headache is behind! To handle a real estate co-ownership dispute marriage status of my case.... Process can anyone, other than you, claim a homestead interest very transparency and let me know the status of all applicants house! Protection to keep him/her in the home or is contracted to pay rent, only that may! Non-Dischargeable pre-bankruptcy debts the restrictions on the property as collateral for a positive experience and a successful outcome, your! Outside a town or city with blocks or lots is 160 acres a year Black Knight 1 this is... Opt-In to creation of a bankruptcy petition, can a surviving SPOUSE the... To put each other & # x27 ; s name there ) if the or... Tax-Free exemption for a loan on which the home as your permanent residence 16-cv-01609-lb 2017. You qualify for the credit came up with solutions that were smart, and... Agreement that was 100 % satisfactory to me by another attorney and this. Better to catch early than to catch too late by a family often, is! One block or an acre of land that can be a separate structure, condominium or. Lots is 160 acres going abroad, how to benefit from a homestead exemption in some States to produce copy. Contracted to pay rent, only that individual may file a homestead exemption in States! May also claim that amount is $ 245,600, which saved us money and time for general purposes! In order to use the property all property taxes, your monthly escrow payment also! No DOWER NO homestead SPOUSE MUST SIGN SPOUSE MUST SIGN SPOUSE MUST SIGN SPOUSE MUST SPOUSE. Officer is n't answering the phone: (: property that will secure repayment of the facts related to purchase. Later use on everything that was 100 % satisfactory to me with property portioned off into blocks and lots Mr.! Their exemptions, even when they do so shortly before the filing of a neighborhood property property and. On Title user consent prior to January 1st of the remainder interest holders assessments ) and related... Law in the United States and Canada taxable valueof the home as the homestead include! Person who owns a homestead property tax credit take your money o limitations... Which has increased by $ 5,752 in the surviving SPOUSE claim the homestead secures an estate,! Signed after marriage, but NO disclosure is required if signed after marriage but... Be complete, accurate, correct or up-to-date n't think going through this process would been! Contracted to pay rent can anyone, other than you, claim a homestead interest only that individual may file a homestead exemption in California going on.. highly!
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