Add These Things To Your Year-End Financial Checklist. | TRANSCRIPT

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Well hello and welcome to On the Money with a certified financial group right here on WDBO 1 0 7 3 FM and AM five 80 the show that answers your questions about your money, the show that helps your questions with your personal finances. All you got to do is pick up the phone and call eight four four five eight zero nine three two six eight four four five eight zero nine three two six. Text your questions to that number or call us and talk to me live. Then you can talk to the experts live. My name’s Laura Lee, I’m here this morning with Nancy Hacked and the oracle of Orlando. Joe Bert and you guys, I noticed something interesting in the beginning there. Our narrator says you’ve been giving advice to Central Florida for over 30 years and that’s something important because you all have been working with the good people of Central Florida for decades now

And the good people, WDBO listeners, yes, Laurel, and we are here again this morning. Nancy and I are here to take your calls, things that might be on your mind regarding your personal finances. As we say in the intro, we do financial planning, retirement planning, investment advice Monday through Friday for a fee, but on Saturday morning we are here for you absolutely free. If you have any questions regarding your personal finances, decisions that you’re trying to make regarding your IRA 401k, long-term healthcare, reverse mortgages, life insurance, all that and more the things that Nancy and I and the 14 other certified financial planners deal with day in and day out. We are here for you this morning absolutely free. So if you have any questions, as I said, the good news for you is the lines are absolutely wide open and we encourage your calls. All you have to do is pick up the phone and dial these magic numbers.

Eight four four five eight zero nine three two six eight four four five eight zero nine three two six. Text that number, call that number with your finance questions right now. And today we have got a really interesting topic. This first one here says, wow, this is important right now when everybody seems to be almost living paycheck to paycheck, should I save or invest?

Well, I get a lot of questions on how can I invest and I always go back to how are you spending? That’s the one thing that a lot of people have control of and they don’t really pay as much attention to. I think first and foremost you have to have some type of emergency fund. I call it tow of the SOC fund, the dollars that are set aside for the major emergency and for us it’s things like a huge storm or something happening to your house or a car accident or some kind of health thing. So you have to have that emergency savings and you have to have the savings for regular items like you know that you’re going to have to replace your dishwasher or you’re planning a family trip or something along those lines. Once you have the savings secure, then you can start investing. But again, I think that part of the equation that people don’t pay much attention to is how they’re spending.

The key is not to have to sell your investments to cover the things that Nancy just mentioned, and this is where people oftentimes fail in their investing because they didn’t do any planning. They didn’t think about the fact that I need some money set aside for those things that happen in life and you have your money invested, which is great, but then as we all know, the investment horizon isn’t always just a straight smooth lineup. In order to get the great returns that you need long term, you need to stay invested and particularly in down markets, which you don’t lose until you sell. Right, Nancy?

Exactly. I mean it’s a big conversation I’ve been having with my clients lately that a decline in value is not a loss because we’ve not had to sell anything. And actually a conversation I had with some clients the other day, they’re on the conservative side, so they have a lot of income items that are reinvesting dividends and it’s a topic we may talk about a little bit later in the hour, but we like to buy everything on sale except for investments

As we

Say, and being able to reinvest on sale is a gift.

As we say, the stock market is the only market. When things go on sale, people run out of the store, which is really the opportunity to buy. Unfortunately, human nature takes over and we want to wait until the sun is shining and everything is clear and markets are up and now’s the time to get in and you don’t buy high and sell low, unfortunately, that’s what most people do. You want to buy low and sell high. See, we have a call there, Laurel, you want to take it away?

Yeah, absolutely. Let’s go ahead and talk to John who has a question about an irrevocable trust. Say that three times fast. Go ahead, John. Good morning,


Hey, good morning guys and girls. Just have a little bit of a quandary. So have an irrevocable trust. I was the second trustee, but then my sister that was the first trustee, she passed away recently. So I’m looking at the trust and we had sold my mother’s house, which was what the trust was under and the trust has her assets right there kind of thing, house that kind of thing, stocks, bonds and all that. But also has oil and gas leases, which her wish was to sit there and keep that going for the rest of the family, grandkids, kids, all the way down the road, just keep it living. And one of those things where I’ve gotten a little bit of mixed information as far as the money that’s in the trust, which is roughly without the oil and gas stuff, the leases and all, it’s probably $300,000 and I’ve advised to get an EIN number versus using the trust for tax reporting and then also to clean out anything except for the minimum for whether tax purposes or whatever to sit there and just keep things going. So I don’t know if I need to almost clean it out to zero or if I need to keep it funded at the rate.

Back up for just a minute. You say you have an irrevocable trust without a tax number

At this point, I don’t have an EIN number for the account.

When did mom pass away?

November of 2022.

Okay. The first thing you need to do is get an EIN number because now that irrevocable trust stands on its own. It’s its own legal entity, which has to report according to tax laws and you need to distribute the assets accordingly. So the first thing I would do is go back to the attorney that drafted that trust, sit down with him or her and determine the next steps. Right, Nancy? Yes,

Yes. And two losses in a very short period of time. We’re very sorry for all of that, but yeah, trusts are taxed at a different rate than we are as individuals, so it is really important that you get that number and I think Joe’s advice is the best. You need to go back to the attorney and have them walk you through everything that is associated with this trust.

Yeah, you’ve got a challenge there and I’ll tell you unfortunately, unless those gas and oil royalties are throwing off a lot of money and you’ve got a lifetime of headaches with that because those things continue to pay and sometimes they’re pennies and you’ve got to keep that. You’re going to need to talk to your attorney how to unwind this thing if possible because unlike, well, you may be able to sell those royalties, but I don’t know what you’ll get for them. And therein is a challenge. Your mother’s intentions were well done, but you may have a sticky wicket there that you can’t get your hands off of. So I would go back to the attorney

Definitely, but he’s not a tax attorney, that kind of thing. We do have a CPA and I guess I’ll have to talk to them also on the information, but I mean just for access to a couple different leases, they send these checks and if you sign the check, then the lease goes back over. You’re basically selling your share and I mean those things have amounted to damn near $500,000.

Wow, terrific. Wow.

What part of town are you in?

I’m in Orlando Conway area

And we have estate planning attorneys that we refer our clients to. If you would like to get the information, the contact information on the estate planning attorneys, you can feel free to email me. My email address is n hect HCH and I’ll get you all the contact information for those.

Sorry for your loss, John, but you definitely need some guidance on this and you’re definitely need a tax ID number. Yeah,

It’s not like cleaning out the trust and part of it lives on and part of it needs to be distributed, so it’s kind of a weird situation. Right.

And now is there a successor trustee, I presume when something happens to you?

Yes. Yeah, and my youngest sister will be taking over once I pass.

Okay. Alright John, good luck to you once again. We’re sorry for your loss and happy Thanksgiving.

Alright, thank you. Y’all too.

Thanks for the call, John. Okay, so Nancy, we’re wrapping up there on saving versus investing. Is this a good time to invest?

I happen to think it’s a good time to invest. I mean especially if you have five or more years, which in my opinion is long-term. In our world, in the financial world, you have the opportunity to buy things on sale and why not do that?

Anytime you have excess money, you don’t only laying around, you want to think about the future and get that money growing for you. And way you do that is through investing. Now it’s not just going out and picking out some stock or some mutual fund, it should be done with a plan, knowing what your time horizon is, knowing what your risk tolerance is, but this is what we do and how our clients day in and day out working with our clients for a fee. If you want more information about Nancy or me at the 14 other certified financial planners here, a certified financial group, you can go to our website, that’s financial, financial And I see we’re very close to a break there Laurel, so take it away.

We sure are. So if you want to talk to the experts right now, get your personal finance questions answered, you just call us at five eight zero nine three two six. Call that number, text it (844) 580-9326 with your financial questions. We’re planning tomorrow today with the Certified Financial Group. Welcome back to On the Money Show with the certified financial group here on WDBO. We’re taking your finance questions, call us, text the questions to 4 5 8 0 9 3 2 6. Again 8 4 4 5 8 0 9 3 2 6. Whether that’s a question about Roth IRAs, 4 0 1 Ks Life Insurance, reverse mortgages 8 4 4 5 8 0 9 3 2 6. If you have a question that’s a little more on the personal side, you’re a little shy, you don’t want to go on the air, you can always call the office at eight six nine ninety eight hundred and Joe, who do we have taking calls off the air today?

We have Charles Curry there taking calls for you. So if you call that number (407) 869-9800 and the line is busy, Charles promises to call you back. So give him a jingle if you want an extended conversation. And I see we have a caller teed up here, Laurel, so take it away.

Alright, Chris, you have a question about an annuity, some options y’all may have. Go ahead and explain to Joe and Nancy what’s going on.

Morning Chris. Hi


Good morning. Hello. I had this on speaker, are you okay? Can you hear me?

Yes, we’re okay. We’re okay.

Great. So thank you. My wife’s sister, my sister-in-Law just completed divorce mediation and there’s a pretty good annuity that’s under the former spouse’s social and all that. I’m sure he’s 60. He’s drawing social security. And just for numbers sake, let’s say it’s one 20, my sister-in-law will get 60 of it. Does he have to close that out or does she have the option to create an new annuity with her social and then draw it out?

It all depends, Chris. It all depends on whether the annuity is owner driven or annuitant driven and sometimes you can change ownership without occurring a tax situation and sometimes you can’t. So you’re going to have to contact the annuity company and find out what options are available.

She should have gotten some type of qualified domestic relations order from her attorney that would state, yeah, she is entitled to half of this and what her options are. And as Joe said, depending on what insurance company it is and how the annuity’s written, she may or may not be able to take it as her own

Without tax consequences.

I know a little bit more. He was an electrician and it was part of a union employment arrangement, not that. Yeah. So at any rate would he close his whole thing out and then they would do a new one for his half and she would net it out?

Well this sounds like this part of a retirement plan

And if it is, I think so. Okay, so that qualified domestic relations order stipulate. So what I’ve done for my clients that are in a similar situation is if it is part of a retirement plan, it’s probably a 4 0 3 B or an IRA or a qualified pension, something along those lines. So your sister-in-law needs to open up a qualified account in her own name and then the $60,000 that she’s entitled to transferred can be transferred into that and then it will remain tax deferred until she has to start taking withdrawals.

Perfect. Because I was thinking, okay, so if he takes the hit, closes it out, let’s say it’s 20%, then she would net out 80% of the 60 48 instead.

Correct. Actually, if it’s a retirement plan, all of it is taxable. So you got to be careful here, Nancy is rights. You want to be sure that that money does not go directly to your sister or sister-in-Law, but it goes into an IRA account.

Got it. Okay. No, that’s great advice. Thank you so much. That clears it up. This just was settled two days ago where it was just we’re waiting on the paperwork. Sure. Very good. Well thank you and you’ll get a kick out of this. We’re trying to plan her future today.

Well that’s a smart thing to do, Chris, thank you for the call and happy Thanksgiving. Alright,

Have a good day. You too. Thank you.


Okay. One thing that Chris alluded to was if his ex-brother-in-Law cashes the whole thing out, he would pay 20% tax off the top. Anytime you withdraw money from a qualified retirement account, there’s an automatic 20% tax withholding. Now his sister-in-Law and Brother-in-Law may not be in a 20% tax bracket. They may be in a lower tax bracket. So if she can get the full 60,000 transferred to an IRA in her name and she needs to pull funds out of there, then she can determine what her taxes are going

To be when the time comes to pull it out. Exactly. Alright. Alright. Laurel up against the break there, take it away.

8 4 4 5 8 0 9 3 2 6. That’s the number to call in right now and get your financial questions answered by an expert. All you have to do is dial the number (844) 580-9326 into your phone or you could text that number 4 5 8 0 9 3 2 6 with your financial question to get it to the experts. And we’ll answer it in just a little while here. We’re planning tomorrow today with the Certified Financial Group


Welcome back to On the Money Central. Florida’s most listened to financial call and show brought to you by Certified Financial Group in Altamont Springs. It’s the only show hosted exclusively by certified financial planner professionals. Monday through Friday, their CFPs provide financial planning and investment advice for a p. But on Saturdays, the advice is absolutely free and has been for more than 30 years. For their WDBO listeners, if you have a financial question you want answered by real fiduciaries, the lines are wide open. Call 8 4 4 5 80 WDBO, that’s 8 4 4 5 80 WDBO and enjoy the rest of the show.

Thank you so much for listening to on the Money here on WDBO, like the MANAT 8 4 4 5 8 0 9 3 2 6. Those are the numbers to get in touch with the experts from the certified financial group right now and ask your finance questions whether that’s about mutual funds, Medicare stocks and bonds, CDs retirement (844) 580-9326. You can call that number or you can text it just like this young lady did, Joe and Nancy, somebody texted our line asking, I have a choice between Florida retirement system investment plan or Florida retirement system pension plan. I’m 25 years old and a first year teacher, I’m looking for the best guidance on the best choice.

Well, based on her age and based on statistically, the folks do not stay in the teaching profession long enough to really enjoy the benefits that you would get if you took the pension plan. I would suggest that she do the retirement plan where you put money in the state puts money in for you because it’s portable when you leave, you can take it with you, roll into an IRA and you’ve got to be in the pension plan for a whole number of years to be able to get the real true benefits from it. And unfortunately, most people don’t stick around long enough to get that benefit. Nancy, what do you think?

Well, one huge benefit that she has on her side is time because she’s young and she should look for in the investment plan, the one that is more stock-based versus income-based because the equities will grow over the years and she should save as much as she can comfortably save into that plan because it will reduce her current income taxes and take advantage of the time that she has in front of

Her. And the state of Florida does a nice contribution for that for you to put in the plan even if you put nothing in the state of Florida still contributes for it, but you ought to put in as much as you can as Nancy said, because it’s pre-tax dollars and the money will grow for you without being taxed. So our recommendation is based on your age, based on the statistic that most likely you’re not going to be a 30 year lifer in the teaching profession or working for the state of Florida. You want to use the retirement plan or I’m sorry, the investment plan. The investment plan, yeah, because you’ve got more flexibility with it and it’s always your money to take with you. So that’s our recommendation.

Fantastic. 8 4 4 5 8 0 9 3 2 6. That’s the number to call in or text in if you have questions. And guys, we have a topic today that we kind of touched on and maybe we want to come back on the topic today, anything it has to do with the personal finances, but the topic today is add these things to your end of the year financial checklist.

Well, and as we were just talking about the retirement plan for this young teacher, I’m encouraging my clients to look at their qualified retirement plans right now to make sure that they have maxed out the contributions. We often see a lot of people will save into their company plans only to the match, which really does not benefit you as much as I had just mentioned, the more you save into your retirement plan pre-tax, the less you’re paying in federal income tax and oftentimes you end up with a little bit more spendable income. So please review how much you’ve contributed already. You still have a few weeks left to be able to catch up and make sure that you have fully funded your retirement plans. Another thing to look at is the standard deduction. It’s gone up a little bit and it’s going to go up a little bit more next year, but look at your itemized deductions versus the standard deduction and if you are someone that can itemize or you’re close to being able to itemize it versus the standard, look at your charitable contributions. This is the time of year where a lot of us look at various different charities and we’re getting inundated with requests for help. And by making a few more charitable contributions, you may be able to get a larger deduction on what you owe in your federal taxes, which then again means more money in your pocket. Can you tell I’m a little bit tax adverse?

Well, it’s where you should be. Yeah, yeah. Get another tip there.

And then the next thing to look at again along the savings arena is what can be contributed to the retirement accounts, whether it’s an IRAA, Roth IRA or a corporate type of plan. All the limits have increased for next year. So look now at getting ready to come January, adjust what you’re contributing. So more is going into your pocket and your long-term savings versus going into the pocket of the federal government.

What you may want to consider doing is what we call bunching deductions. As Nancy alluded to, some people can’t take advantage of their deductions because they don’t have enough, because the standard deduction is so high. So what you may want to consider is instead of paying your property taxes this year, which some people may already have, wait until January to pay them and then pay them again in the fall. This way you’ve bunched your deductions, you get two years of property taxes, and same thing with your charitable contributions. Don’t give anything this year, but give twice as much next year in January or maybe December, and this way you may put you over the threshold to be able to take those itemized deductions as opposed to using the standard deductions. It’s an old strategy that we used to certify financial planners for many years and it’s something you may want to talk to your advisor about. If he or she’s not doing that for you, maybe you need a new advisor. And that’s why Nancy and I are here, right Nancy?

Well, yes, and that’s a good, I totally forgot about bunching deductions and it is something I have recommended to people to do. So thank you for bringing that up. Sure.

And we’ve got a workshop coming up. You want to talk about that?

Yes, we do. The next workshop is, hold on, let me flip my page. It’s entitled The New Retirement Rules Understanding Secure Act 2.0. This is being hosted by Matt Murphy and Dave


Christian, Bella Christian, excuse me, Dave, for messing up your name. Saturday, December 2nd from 10 to 1130 here in our learning center. New Retirement Rules Understanding Secure Act 2.0 and this will have an impact on everybody who’s saving. If you go to our website, financial, there is a workshop tab. I suggest that you pull it down, make a reservation. The workshops tend to fill up quite fast. This is Saturday, December 2nd from 10 to 1130 in our learning center.

That’s two weeks from today. And once again, this is about the new Secure Act talks about the required minimum distributions being pushed out the force or the fact that now some people have to drain the account within 10 years. What you want to be careful of what you need to know. Once again, it’s absolutely free. As Nancy said, go to our website financial Financial And I see we have a call coming in there, Laurel, so take it away. We

Do Chip, go ahead and ask Nancy and Joe your Roth withdrawal question.

Morning chip.

Yeah, good morning. Yeah, if you had a Roth, I know it will accumulate without having to pay taxes on it, but when you start withdrawing money from the Roth, is there still those restrictions with RMD required minimum distributions every year? Do you still have those restrictions like a regular IRA?

No. If it’s your Roth, you, there’s no requirement to take it out. You can let it sit there for as long as you want and there’s no required member distributions because you’ve paid taxes on the money going in and as you said, the money accumulates tax free. But when it comes time to withdraw, it’s really under your control.

You just want to make sure that you have the dollars in the account for five years or more to avoid paying any taxes on it.

Well, if you’re self-employed, in your opinion, is there any benefit in just having an account that it’s not an IRA, not a Roth, just pay the tax, put it in a separate account, that way they let it accumulate?

No, that’s going backwards. I mean, what you want to do is look at the best way to get that money to grow for you tax wise. So the best thing is to be able to get a tax deduction upfront. If you’re in a high enough tax bracket,

Self-employed pension or a SEP IRA, you can do you 25% of your adjusted gross income up to $67,000 or

Solo 401k, get a tax deduction for that. Now if you need the money for emergency money or in your business, you don’t want to invest it, as we said when the show started. But if this is for long-term for your retirement, you want to let that money grow, get a tax deduction going in and let it grow for you, either tax free or tax deferred. Chris

And the RMD rules have been changing a lot lately. Right now the first RMD is 73 at 73 and they’re looking at pushing it back to 75. So there’s more years that it can accumulate on a tax deferred basis.

Okay, great. Thank you very much. Have a nice, you’re welcome.

Chipex for the call. Happy Thanksgiving to you. We got another text question there, Laurel.

We sure do. So Michael from Orlando writes, looking at Phoenix Capital groups, I believe they’re in minerals. I’ve got $130,000 we want to invest. What do you all think?

We’ve looked at that because unfortunately Michael has not unfortunately. Well, unfortunately Michael has tried to get it to us in the past and we’ve done some research on this. It looks like a high risk, high reward proposition. I mean, unless you can afford to lose the money, Michael, I wouldn’t do it. What you’re doing is you’re chasing this high returns that they’re promising, very speculative in my estimation. Their website is very interesting, very appealing, very intriguing. But unless you’re prepared to lose that money, I would not do it. Maybe some of your money, I don’t know what your total investible assets

Are. I said one 30, but you never want to put all your eggs in one basket,

But that could be only 2% of his total assets. So I don’t know what you have to work with. So I would not bet the ranch on this as your retirement plan. That’s just to be prudent.

Okay, how about Tina from DeBerry? She’s going to be 65 in 2024. She asked, when do I start process of signing up for Medicare? I’m still working and plan to continue until working until I’m 68 or 69. Also, can you get Medicare if you’re still working?

Well for my clients that are still working, I think you have to sign up at least what a month beforehand. I have to figure this out next year myself.

But you have to get part A, which is the hospital part, and if you’re still working, then you have to determine whether or not your employer is going to be the primary or if it’s going to be the secondary and you have to sign up for part B. So you should do it up to three months before you’re ready to retire.

And if you do not, there are penalties that you have to pay. So you have to sign up for Medicare and then determine if your work health insurance can be the supplement or not. Right.

So here at Certified Financial Group, our health insurance is the primary and Medicare is a secondary. So that’s just the way it works. But all insurance plans are different. You want to check with your HR department to confirm what the situation is and don’t take any chances because as Nancy said, you may be penalized by deferring signing up for Part B.

All right. If you’ve got questions just like Tina did, you can call us or text us your question at four four, excuse me, 5 8 0 9 3 2 6 8 4 4 5 8 0 9 3 2 6. That’s how you get in touch with the experts. That’s how you get all of your questions answered. We’re planning tomorrow today with the Certified Financial Group.

Well thank you so much for listening to On the Money here on WDBO, the show that answers all of your money questions, your personal finance questions. You can always call us at five eight zero nine three two six. If you have a question that pops up in like 10 minutes or a question you don’t want to go on the air with, you can always call Charles Curry at the Certified Financial Group office at 4 0 7 8 6 9 9800. Again, 4 0 7 8 6 9 9800. If you have a Facebook, check out all the money’s slash on the money fl. And our last few minutes here, Joe and Nancy, let’s answer this question. If my bond fund is paying so much in dividends now, why has the price per share gone down?

Well, that’s a natural seesaw between interest rates and price per share. So let’s say that you need to borrow some money from me and interest rates are really low and I can lend you $5,000 and you agree to pay me 3% for five years. And then we get into an environment like we are right now where rates are so high and Joe needs to browse some money, but he’s willing to pay me 8%.

Not really. So

Yeah, but that’s what you’ll have to pay me. So laurel’s 5% is not going to be worth as much in the marketplace as your 8% is. So when rates go up, the price per share goes down and that’s just the natural seesaw and vice


Correct. So all these people that have had bond funds over the last few years and the interest rates have gone up 11 times, they’ve seen the price per share go down, but their dividend yield has gone from in the 4% range in some cases to the 7% range. And if those dividends are reinvesting, they’re buying shares on sale. And again, for some reason we like to buy everything on sale except for investments. But this is a gift for people. And if you’re two years or more away from retirement and you’re buying all these shares on sale, and we’re in an environment where the rates are going to be going down, which supposedly they were going to start lowering federal funds rate March of next year, now they’re looking more like June. But when the rates start going down, the price per share is going to go up. So you see the value increase and you’ll have so many more shares than you could have if rates had stayed flat.

And the key is when your price goes down, don’t panic. You have to understand why it’s going down. As Nancy said, it’s just the natural things that happen in the bond market. And the good news, as she said, is that if you’re reinvesting, which you should be, unless of course you’re taking the income, which is okay, then you’re buying more shares at a cheaper price. And when the price reverses, you’ve got kind of a turbocharge there. That’s all about right. You should applaud. That’s right. That’s what it’s all about. And that’s how it works.

We’ve got another question, text message question that just popped up here. It says, what happens if the dollar is no longer the world’s currency? Does that threat warrant buying a conservative amount of gold? ps Thank you Nancy, for the packet. Janet and I. Tom received yum.

No, go ahead.

This has been a discussion that pops up frequently. There’s been talk about some central and South America and Asian countries becoming a block to make a new currency. The dollar has been the standard for a long time. I think owning a little bit of gold in the form of an ETF might not be a bad enhancement to somebody’s portfolio, but you have to make sure that it’s just a small portion, 5% or less. Gold is a hedge against inflation. Generally when equities are going down, gold will go up and when equities are going up, gold will go down. And I say generally because that’s not always the rule, diversification is key, but I don’t see the dollar going away for a long time.

Don’t buy into conspiracy theories. You see ’em on TV all the time. It’s a great way to sell gold. And as Nancy said, diversification is a key. And don’t bent the wrench. And happy Thanksgiving to all of our listeners. We appreciate your loyalty. We appreciate your being here and we appreciate your part of being the Turkey drive. What was it called, Nancy that we did where we provided all the food there? What was that called? Where Oliver? Our The Basket brigade. Basket Brigade. Thank you. Thank you. 16 ma, we did it. Yes, yes, yes. Really cool. Yes. Alright, Laurel, happy Thanksgiving to you as well.

Same to you. Thank you. Have a wonderful day to everyone out there. We’re planning tomorrow today with the Certified Financial Group.


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