I’m in Ohio and the housing market here over the last 7-8 years is unlike anything I’ve ever seen. Homes that were bought for $130K in 2015 are now being sold for $590k. I’m talking about tiny, disgusting, poorly built 950 square foot shit boxes in quiet mediocre neighborhoods. Then you’ve got Better, average sized homes in nicer neighborhoods that were $300K+ 10 years ago selling for $750k+ now. Wild times.
Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
Personally, I can connect to that. When I began working with a fiduciary financial counsellor, my advantages were certain. I got into the market early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2021 this time with guidance, Long story short, its been 2years now and I’ve gained over a million dollars following guidance from my investment adviser.
That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Rashad I appreciate when you pause to break down and summarize info or acronyms in Layman’s terms to be more digestible for everyone. Good job outta you pimp.
These guys never short the community on information... Happy to say some of my friends and family are coming around to tapping in for the informational nutrition
This has made more sense than the two books I have been reading it pretty much equal up to what I needed I appreciate you guys so much it took the last FOMO bit out of me…
Really appreciate you guys! MG always comes with the info and is spot on! Rashad way to slow things down so everything is digestible and simple to explain so you can explain in extremely simple terms. Troy always with the great energy and thought profiting questions! Thank you all
Would you guys be willing to do a episode on just the DSCR process and investing in real estate? Maybe making two separate videos for real estate investing and one for personal real estate? This was a great video it took me three days to get through and take notes 😅
I sympathize with many people who had no knowledge digital marketing because currently dollar is unstable and coin is taking over to be universal currency
Getting professional help is a smart move when it comes to building a strong financial portfolio that matches your long-term goals. It's always wise to seek guidance from an expert like Mitchell Morgan mostly recommended by SEC.
Yeah, Identify with a renowned financial advisors, especially in the U.S., we first identified all firms registered with the SEC in the country. Mitchell Morgan was on the list with productive insights
Low income people are suffering to survive, I appreciate her she's a great personality in the state, imagine investing $4,000 and earning $7,500 in the space of 3 days.
I have my first bank/finance career in front of me! I'm a certified MLO, and I can't wait to start helping people get their deals done! In turn, I am going to invest in real estate and use my knowledge wisely!! 🎉🎉
This was an excellent episode. I am a REALTOR in NE FLORIDA and I learned things and loved the breakdowns given . Great job as always to the gentlemen of EYL !❤
What areas are y’all finding that are profitable for house hacking? Only putting 3.5% down on an FHA loan to house hack in most areas, the tenants rent will not cover half of the mortgage. Please make sure you you can also comfortably pay the mortgage in the event the tenant doesn’t pay their rent
I got out of the real estate investing market about a year ag0. I think its time to get into the stock market for a while. whats the best strategy to invest around 200K in this current market..
I got out of the real estate investing market about a year ago. I think its time to get into the stock market for a while. whats the best strategy to invest around 200K in this current market
Agreed, I just use RUclips for research purposes, I run all my major investment through an investment adviser, th3 market is just too unstable t0 handle things on your own. I have consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains in close to a decade of having one.
My CFA *Julianne Iwersen Niemann* a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
Thank you for saving me hours of back and forth investigation into the markets... I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
Down Payment Assistance Loan: 1. National Home Buyers Fund (NHF) 2. Chenoa Fund 3. First Home Down Payment Assistance Loan 4. Bank of America Home Ownership Program 5. Good Neighbor Next Door (HUD Program) 6. Sonny Mae Program 7. NACA
Spend your money wisely-invest in quality where it counts, for it often outlasts the cost of cheapness. Yet, remember that sometimes the simplest, least expensive option is the real gem in disguise.
I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.
@@MosheerEllyWell her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I love this. I would love to see more directed to personal finance: - retirement planning (especially tax protection) - HSA -financial benefits of Military service (IYKYK!!) - financing education (adult, children, K-12, college, trade schools) -estate planning -insurance (life, car, property) - maximizing credit cards - utilizing resources to assist with your financial planning (fiduciaries, financial planners, etc) -financial benefits of lawyers and accountants. When you need them. Just a few😂. BZ to you gentlemen. You are pushing us forward. Blessings and kudos……and yes….you have made me 💰 😂
I'm 39 and have almost saved enough for a down payment on a house. However, I'm second-guessing my decision because home prices are higher than I budgeted, and I’m worried about a potential market crash. Am I better off putting my spare cash in stocks and waiting for housing prices to drop, or should I go ahead and buy a home now?
Stocks can potentially offer way higher returns in the short term, but it's also more volatile. If you feel confident in your ability to navigate the stock market then it might be a better option
Two years ago, I was in a similar situation and ultimately decided against buying a home since I was comfortable in my rented apartment... That turned out to be a great choice because now, I make close to 15 grand a month from it! If you have the time, I recommend doing thorough research on how to go about this process safely... Alternatively, consider working with an expert, like I eventually did, to help avoid costly mistakes, especially in the early stages... Good luck...
been considering going into this for sometime now. heard its a nice way to make some extra funds. how do you get a competent expert and how expensive are they
@Bethel485 You should begin by seeking out individuals with strong records... Also make sure the person is registered... Personally, I use Marie, Kelly Matwick. She's not so popular but you might have heard of her. And they're usually way cheaper than you would expect in the US...
@@devereauxjnr It is really a small world. I used to be classmates with Kelly in high school, one of the smart ones then lol . Had to go to her page to confirm that i wasn't mistaken. Nice!
Amazing episode covering the basic terms in real estate to strategies fit for first time home investors and experienced investors. This combination of knowledge from MG and EYL always sets a new bar! Thank you! 🙌🏽💎
Amazing gems as always! I am definitely going to look into the loan officer sector and see what's up! Appreciate the knowledge Kings and much love and gratitude to you all ✨🫶🏾🥂
I think more content on emerging technologies and associated infrastructure, specifically African Americans in the space, would be dope. A show with X. Eyee would be 🔥🔥. I think the culture could benefit by having broader ambitions of entrepreneurship. We’re capable of bringing large, world changing ideas/innovations to fruition and highlighting those working in those spaces would inspire people to think bigger.
Can you talk about buying land , any difference vs just buying a home on some one else land(Developers like,Toll Brothers,American west homes etc, building your home
This is a heavy hitter for me!! I'm a home owner, I got starter home and I had a plan but after this video I have a even better plan!! Blessings to you Kings. Shabbat Shalom Shalom ♥️💞
Great video and very informative. What about cash cars? Would you need to put the title and insurance under the LLC, or would it be best to just lease a car?
That’s crazy I’ve been thinking about becoming a loan mortgage officer for sometime now but I don’t want to give up my accounting career I want to do both
Two questions 4321 method how are you able to manage this meaning debt to income ratio And the other question would be would it be advised when buying a quad plex to create a LLc after buying the property
The Quadra plex four plex ideaology only works if there are actually multi families on the market available. The only way to can promise that this would happen is if you get it built through construction to perm loan and in most cases they will take some time to build and will require a huge downpayment. Everyone wants a multiunit.
How long do you have to go/wait in between the 4321.... that was a nice plah though w VA/FHA/CNV/VA.... Are dependents of VA able to use this play too? At what point do you recommend we switch over to LLC in every type of Loan? My recommendation is that people take advantage of NACA or FHA before getting married.... wish I knew all this before getting married....
MG you went from FHA to Conventional in 4321 but how often could you use FHA in succession? I am looking to use FHA/NACA but I know I prolly cant use them together & may have to wait some time in between!
I live in a 2 apartment private coop in Harlem. and want to refinance so I can renovate my 2 apartments. One of the apartments I want to use as a short term rental. My equity is approx. $1,000,000.+. My credit score is below 580. What do you suggest as my plan of action to qualify for a mortgage.
*American are fed up with this treasonous administration. I feel the more I learn about our country low income people my anger grows, Thanks Zelinda, Imagine investing $1000 and receiving $10,450 in 3day🇺🇸*
My grandfather used his va loan to purchase a home and he has since passed away. Can i assume the loan under my name and pay based iff the amoujt he had left or would i need to completely start over with oayments based off what the house is worth now?
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
I’m in Ohio and the housing market here over the last 7-8 years is unlike anything I’ve ever seen. Homes that were bought for $130K in 2015 are now being sold for $590k. I’m talking about tiny, disgusting, poorly built 950 square foot shit boxes in quiet mediocre neighborhoods. Then you’ve got Better, average sized homes in nicer neighborhoods that were $300K+ 10 years ago selling for $750k+ now. Wild times.
Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
Personally, I can connect to that. When I began working with a fiduciary financial counsellor, my advantages were certain. I got into the market early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2021 this time with guidance, Long story short, its been 2years now and I’ve gained over a million dollars following guidance from my investment adviser.
That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!
nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
‘Everything is figureoutable’ , ‘Flips flop everyday b ‘ , love it 🤣💎💎💎
thank you EYL! really appreciate you guys uplifting the community through information and knowledge 🖤
@@julianawhitford3177 I love to hear it!! I’m next!
Rashad I appreciate when you pause to break down and summarize info or acronyms in Layman’s terms to be more digestible for everyone. Good job outta you pimp.
This was a special episode. The respect shown for one another is tremendous. Really proud of the decorum and professionalism.
This video is gold. Coming from a 24 year old.. thank you so much for this information 🎉
50 mins in, and there has been so much value from this video. Appreciate it family.
These guys never short the community on information... Happy to say some of my friends and family are coming around to tapping in for the informational nutrition
Thank yall EYL fam for all y'all do. True trailblazers for the community.
I wish I had these gems when I first purchased a home. Will definitely use this for the next home!
This has made more sense than the two books I have been reading it pretty much equal up to what I needed I appreciate you guys so much it took the last FOMO bit out of me…
Really appreciate you guys! MG always comes with the info and is spot on! Rashad way to slow things down so everything is digestible and simple to explain so you can explain in extremely simple terms. Troy always with the great energy and thought profiting questions!
Thank you all
Would you guys be willing to do a episode on just the DSCR process and investing in real estate? Maybe making two separate videos for real estate investing and one for personal real estate? This was a great video it took me three days to get through and take notes 😅
Plan on buying my second property next year. I needed this motivation 💯
I sympathize with many people who had no knowledge digital marketing because currently dollar is unstable and coin is taking over to be universal currency
You're right, and if you don't invest or got a multiple source of income stocked, you might wake up one day to regret it.
Getting professional help is a smart move when it comes to building a strong financial portfolio that matches your long-term goals. It's always wise to seek guidance from an expert like Mitchell Morgan mostly recommended by SEC.
Yeah, Identify with a renowned financial advisors, especially in the U.S., we first identified all firms registered with the SEC in the country. Mitchell Morgan was on the list with productive insights
That woman has changed my life for good, I attended her investment class couple of weeks and she's the best when it comes for guidance...
Low income people are suffering to survive, I appreciate her she's a great personality in the state, imagine investing $4,000 and earning $7,500 in the space of 3 days.
I have my first bank/finance career in front of me! I'm a certified MLO, and I can't wait to start helping people get their deals done! In turn, I am going to invest in real estate and use my knowledge wisely!! 🎉🎉
This was an excellent episode. I am a REALTOR in NE FLORIDA and I learned things and loved the breakdowns given . Great job as always to the gentlemen of EYL !❤
Facts all the way from Milwaukee appreciate you brothers
What areas are y’all finding that are profitable for house hacking? Only putting 3.5% down on an FHA loan to house hack in most areas, the tenants rent will not cover half of the mortgage. Please make sure you you can also comfortably pay the mortgage in the event the tenant doesn’t pay their rent
This was another great video. A part 2 would be great! Another good topic would be home inspections please.
I got out of the real estate investing market about a year ag0. I think its time to get into the stock market for a while. whats the best strategy to invest around 200K in this current market..
I got out of the real estate investing market about a year ago. I think its time to get into the stock market for a while. whats the best strategy to invest around 200K in this current market
Agreed, I just use RUclips for research purposes, I run all my major investment through an investment adviser, th3 market is just too unstable t0 handle things on your own. I have consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains in close to a decade of having one.
I've been getting suggestions to use a market expert too, but where and how to find one has been challenging, Can i reach out to the one you use?
My CFA *Julianne Iwersen Niemann* a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
Thank you for saving me hours of back and forth investigation into the markets... I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
I'm a veteran and needed to hear this strategy to use my VA loan.
Down Payment Assistance Loan:
1. National Home Buyers Fund (NHF)
2. Chenoa Fund
3. First Home Down Payment Assistance Loan
4. Bank of America Home Ownership Program
5. Good Neighbor Next Door (HUD Program)
6. Sonny Mae Program
7. NACA
Dont use that ish. Grind and Stack. Get a 3rd job if possible
Spend your money wisely-invest in quality where it counts, for it often outlasts the cost of cheapness. Yet, remember that sometimes the simplest, least expensive option is the real gem in disguise.
I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.
Great advice and I live by it as well. I have wasted too much money and time on cheap garbage
Exactly well said.. spread the wisdom
@@IvanSimalezaI would really love to know how much work you did to put in to get this stage
@@MosheerEllyWell her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I love this. I would love to see more directed to personal finance:
- retirement planning (especially tax protection)
- HSA
-financial benefits of Military service (IYKYK!!)
- financing education (adult, children, K-12, college, trade schools)
-estate planning
-insurance (life, car, property)
- maximizing credit cards
- utilizing resources to assist with your financial planning (fiduciaries, financial planners, etc)
-financial benefits of lawyers and accountants. When you need them.
Just a few😂. BZ to you gentlemen. You are pushing us forward. Blessings and kudos……and yes….you have made me 💰 😂
I'm 39 and have almost saved enough for a down payment on a house. However, I'm second-guessing my decision because home prices are higher than I budgeted, and I’m worried about a potential market crash. Am I better off putting my spare cash in stocks and waiting for housing prices to drop, or should I go ahead and buy a home now?
Stocks can potentially offer way higher returns in the short term, but it's also more volatile. If you feel confident in your ability to navigate the stock market then it might be a better option
Two years ago, I was in a similar situation and ultimately decided against buying a home since I was comfortable in my rented apartment... That turned out to be a great choice because now, I make close to 15 grand a month from it! If you have the time, I recommend doing thorough research on how to go about this process safely... Alternatively, consider working with an expert, like I eventually did, to help avoid costly mistakes, especially in the early stages... Good luck...
been considering going into this for sometime now. heard its a nice way to make some extra funds. how do you get a competent expert and how expensive are they
@Bethel485 You should begin by seeking out individuals with strong records... Also make sure the person is registered... Personally, I use Marie, Kelly Matwick. She's not so popular but you might have heard of her. And they're usually way cheaper than you would expect in the US...
@@devereauxjnr It is really a small world. I used to be classmates with Kelly in high school, one of the smart ones then lol . Had to go to her page to confirm that i wasn't mistaken. Nice!
Biggie reference pure 🔥🔥🔥. Love MT‼️
RASHAD I APPRECIATE YOU SO MUCH. You are so wise, intelligent and inspiring. God bless you All A wealth of knowledge
Thank you Brother, because I'm A Marine Vet and this gives me better focus.
Great show. Can you do a segment on heloc vs bridge loans for 2nd time homebuyers?
🔥🔥🔥 so many keys here to unlock doors that were unknown for me as a w2 homebuyer
Appreciate this straight info and training conversation. Very informative and helpful.
Amazing episode covering the basic terms in real estate to strategies fit for first time home investors and experienced investors. This combination of knowledge from MG and EYL always sets a new bar! Thank you! 🙌🏽💎
Thank you, this was needed!
Amazing gems as always! I am definitely going to look into the loan officer sector and see what's up! Appreciate the knowledge Kings and much love and gratitude to you all ✨🫶🏾🥂
Thank you gentlemen for your work and dedication ❤ topics to add: Trusts, Financial Planning…
The content was great Fellas. I definitely learned a lot.
Lets talk about Buying land and planning for construction costs
Does that include 🧱 bricks to build the 🏠?
🔥🔥🔥🔥🔥🔥 >>>> this was deff my Christmas gift, 24 and ready to turn up my hustle…thank you guys!!!!!!
I love this topic sessions. I fell off for a min and came back just right in time. 💙💙💙💙💙💙
Thank you for answering our question at Invest Fest MG!
Thank You EYL and MG.
Respect, Salute and Much Appreciation.
HONEST REPRESENTATION
Definitely a part 2! Please!
Appreciate this video
I think more content on emerging technologies and associated infrastructure, specifically African Americans in the space, would be dope. A show with X. Eyee would be 🔥🔥. I think the culture could benefit by having broader ambitions of entrepreneurship. We’re capable of bringing large, world changing ideas/innovations to fruition and highlighting those working in those spaces would inspire people to think bigger.
They shud defiently give X.eyee her own show 🔥🔥🔥
Can you talk about buying land , any difference vs just buying a home on some one else land(Developers like,Toll Brothers,American west homes etc, building your home
This is grat content. Thanks for sharing Kings❤
I needed this episode 🔥🔥💪🏾
Yes MG, you are needed! 💜🔥💜🔥💜🔥
Thank you so much for creating this video.
Solid episode
Great content!
Awesome live! ❤❤❤
Thank you guys so much. This is everything!
I appreciate y’all fr 🤝🏾🖤♾
This is Gold, thank you
Appreciate you guys!
This is a heavy hitter for me!! I'm a home owner, I got starter home and I had a plan but after this video I have a even better plan!! Blessings to you Kings. Shabbat Shalom Shalom ♥️💞
MG….Andrew Jackson…..dawg ….IAM A FAN……so many successful people from that school!
Yes please a part two later
All this presidential, Diddy and Bs going on in the world. This is what we need in Media, not the negativity 😁💯💪🏿
I wish I can like this ten times
Great video and very informative. What about cash cars? Would you need to put the title and insurance under the LLC, or would it be best to just lease a car?
Fantastic fellas ❤
Thank you so much.
That’s crazy I’ve been thinking about becoming a loan mortgage officer for sometime now but I don’t want to give up my accounting career I want to do both
Very helpful
Dope video as usual
Nice! 👍
Rashad saying “slightly dangerous” for the 4 unit multi family property was wild. lol 😂
I want to know if you can do a quick claim deed to put it in a trust.
Great information 🎉
Needed this ogs thanks so much ❤❤❤❤
Two questions
4321 method how are you able to manage this meaning debt to income ratio
And the other question would be would it be advised when buying a quad plex to create a LLc after buying the property
Good stuff minus the "slightly dangerous neighborhood"
24:58 🙋🏾♂️that was me prior to this video…thanks for the clarification 🫡
Real gems 💎
Please talk about reverse mortgages.
The Quadra plex four plex ideaology only works if there are actually multi families on the market available. The only way to can promise that this would happen is if you get it built through construction to perm loan and in most cases they will take some time to build and will require a huge downpayment. Everyone wants a multiunit.
How long do you have to go/wait in between the 4321.... that was a nice plah though w VA/FHA/CNV/VA.... Are dependents of VA able to use this play too?
At what point do you recommend we switch over to LLC in every type of Loan?
My recommendation is that people take advantage of NACA or FHA before getting married.... wish I knew all this before getting married....
I did not know MG went to Jack (Andrew Jackson High school) . We are alumni that's inspiring lol
I close Nov 27th 2024. All praises TMH. Wish me success chat. NVR is a bunch of scammers. Do NOT USE THEM!!!
THANK YOU❤❤❤
MG you went from FHA to Conventional in 4321 but how often could you use FHA in succession? I am looking to use FHA/NACA but I know I prolly cant use them together & may have to wait some time in between!
This was such great info, i hate i could not make out the contact info for the professional? Sought it in the chat could not locate it?
Key takeaway... DTI ratio should be no more than 43%... got it! 🤓👩🏾🏫
Buying in new construction communities like lennar or Pulte and etc
Thank you ❤❤🎉🎉🎉
Salute to everyone Question when you get the 203 rehab loan how and when do you pay that back?? Is it included with the mortgage?? Thanks 🙏🏾
0:19 I appreciate the viewer shoutout it wasn’t me but I know how exciting that can be for people
Slightly dangerous neighborhood 😂❤💯
I am looking at homes currently. I was looking at condos but I dont like the HOA fees. Whats the best option for me
Excellent information
Can you use more that one payment assistance programs at a time,?
This is priceless
Can you use the FHA loan service if you sold your home that was 3 years prior/
Yes
I live in a 2 apartment private coop in Harlem. and want to refinance so I can renovate my 2 apartments. One of the apartments I want to use as a short term rental. My equity is approx. $1,000,000.+. My credit score is below 580. What do you suggest as my plan of action to qualify for a mortgage.
I believe it's a new law with PMI.... it doesn't go away anymore, you keep paying until loan is done.
*American are fed up with this treasonous administration. I feel the more I learn about our country low income people my anger grows, Thanks Zelinda, Imagine investing $1000 and receiving $10,450 in 3day🇺🇸*
That woman has changed my life for good. I attended her investment class couple of weeks and she’s the best when it comes for guidance…
How do I reach her ?????? 🙏🏻
SHE’S MOSTLY ON THE TELEGRAMS APPS USING THE USER NAME BELOW’
*ZELINDA DART*
Get the application installed and search her up at the name above.
My grandfather used his va loan to purchase a home and he has since passed away. Can i assume the loan under my name and pay based iff the amoujt he had left or would i need to completely start over with oayments based off what the house is worth now?
Float down option