Invest that 5 lakhs in bank deposit for 10 yrs for 6-7 % maturity will around 9.5 lakhs..and if at that time still that rate of interest is the same again invest that 9.5 for 10 yrs.. So after 20 yrs the maturity amount will be around 19 lakhs..for 25 yrs around 24-25 lakhs.. Ukanthu yoschrukinga.. But i think can't get that much profit from tax benefit and it should be a risky investment to get returns of 10% that too for 25 yrs cos bank interest are only 6-7% and are steadily going down.. Better something than nothing.. And better yet not to avail loans..
Sisterrr such a pricess video .. Note : i watch this video at 1:51 am , with out any distraction sucha informative video.. Thanks you much , hope i utilize this in crt way .. 🎉🎉 Thnk you so much sister ..
neega direct ah invest panuga nu solirukalam, nambaluku profit vantha matum tha zero interest agum, loss achuna interest um katatum aprum actual loan money um katanum. ana enga epdiyum bank will make 100% profit 😅, nambaluku tha konjam doudt profit varuma nu
Ok sister but 30 k earn panuravanga ena panuvanga family run pananum la full amount loan and invermet pota family ku ena kodupanga athuku oru idea solunga
Akka ella use full ah solluringa ennaku online course pathi sollalam la yendha app la online course pathila explain panningana clg poi padika mudiyathavangaluku use agum la akka
What is missing on your calculation is Part 1 20 % tax exemption is good agreed , Part 2 investing 5 lakh more to save EMI and invest the saved EMI in some schemes of to create a wealth using the compounding growth, one more possible way is invest the 5 Lakh as the one time investment in the compounding growth scheme......probably the second one makes more money
1) if government decides to stop old regime and levy only new regime from any night? 2) who knows the real worth and growth of a property value (it might overvalue when we buy or undervalue when we sell), so instead of buying home with loan. why not we invest all the EMI amount in best return investment.
If you buy 50 lakhs in full cash no need to pay any interest If you buy in emi need to pay double of loan amount After 25 years definitely building and land value cross above 2 crore so no need to worry Pls invest in individual lands don’t buy flats In 1976 we brought land for ten thousand now the value 3 crore We take home loan for 20 lakhs and paid more than 25 years including interest 40 lakhs So we paid total amount 40 lakhs and 10000 Now building value three crore Now if we sell we will get 2.5 crore gain So don’t think investing in land and gold definitely you will get profit 3 years before brought gold for 3 lakhs Now sold for 5 lakhs
Tax benefit is for tax payers only😢 In india, only 4% of the population is paying tax so this tax benefit formula won't work for 96% of the people. And 10% return for 25 years is practically impossible for normal people who don't know about investment. Even a good investor will face losses therefore getting a 10% return for 25 years is a day dream.
If 50 Lakhs loan as per RBI guidelines maximum can offer up to 40 lakhs.. *RBI LTV Guidelines* Up to 30 L - 90% Up to 75L - 80% More than 75L - 75% * LTV - loan to value of the property..
Sis intha video full ah patha nanum home loan vanki irukan. Ana tax benefit pathi yentha bank solrathu ella athu ye nu therila. Ippa na yeppdi tax benefit vankutayhu
Hi ITR file pannrathile oru doubt Enakku 4lpa package from this year jan so na ITR file pannanuma As per new regime upto 7 lpa varakkum tax ille athala ketten
If you don't have other income then you don't want to pay tax but you can file ITR-1. It's a good habit. You can explore online/RUclips regarding filing ITR-1 and you can do self assessment and you can file ITR-1.
Hii aka i am kabi, from trichy onga district than, one doubt correct ta investment nu sollurigala atha pathi kojam nalla sollurigala na neriya videos pathen sip or mutual fund and investment pathilam ana avaga romba deep sollaa antha company la evlo returs kudukuraga atha pathi than soluraga, i am in village inga bank mattum than iruku but investment interest iruku, neega good and safe platform suggest panuga pls😐
You will pay 2 lakhs interest for 15 years only. Rest 10 years, it will be less. If in .2% slab, saving in tax would be around 7 lakhs only. 5 lakhs amount 8% interest badila 10% interest vantha, perusa profit illaye...
But you twisted the people's mind, you missed one thing on the investment example if person put it on the mutual fund means Long term CAPTIAL gain tax we have pay right
Calculation is wrong I think, you are telling 1.5laks interest not able to pay by avail tax benefit. But the actual thing is that if I am in 20% slab I can get 30,000 only. Any thought
Please reply madam. நான் வீட்டுக்கடன் வாங்கி வீடு காட்டியுள்ளேன் கடன் தொகை 800000 இதுவரை மாத மாதம் emi சரியாக காட்டியுள்ளேன் 2017 கடன் வாங்கி தற்போது 2023 டிசம்பர் இறுதியில் முழு கடன் தொகையையும் காட்டியுள்ளேன் எனக்கு வேறு ஏதாவது கூடுதலாக பணம் வசூலிப்பார்களா ? ( ஏன் என்றால் அவர்கள் கொடுத்த தவனை வருடங்களுக்கு முன்பாகவே என் கடனை முடித்துவிட்டேன் அதுவும் இந்த ஒரு வருடத்தில் வெளிநாட்டில் வேலை செய்து கடனை அடைத்து விட்டேன் எனக்கு பத்திரம் உடனே கொடுத்துவிடுவார்களா ?)
Hi, mam nanga bank la vittu patharam 2005 la vachom. Nanga full payment katti mudichi patharamum vangitom. Recent ta atha ye thambi peruku mathaponappo antha bank la loan account close agama irukkunu solluranga. Bank la ketta delay pannuranga. Ethukku yethavathu solution iruntha sollunga sister
வணக்கம் சகோதரி அருமையான பதிவு மிகவும் பயனுள்ளதாக இருக்கிறது நான் ஒரு தனியார் வங்கியில் வீட்டு கடன் வாங்கியுள்ளேன் வட்டி 15 சதவீதம் இப்போது நான் வருமான வரி 4 வருடங்கள் கட்டி வருகிறேன் நான் எனது லோனை வேறு வங்கிக்கு 8% வட்டிக்கு மற்ற என்ன செய்ய வேண்டும் தெளிவான விளக்கம் அளிக்க வேண்டும் இதை வீடியோ பதிவு செய்ய வேண்டும் என்னைப் போன்ற பல சகோதரி சகோதரர் பயனடைவார்கள் 🙏நன்றி வாழ்க வளமுடன்🙏
Akka ennoda home altrate pananum maybe 5 L theva paduthu.... Bank la epdi approach pana loan kidakum...... Government schomes ethachum iruka.... Plz solunga
Our house is full of cracks and ceiling were broken,,,as the estimate is 3lakh we are not able to afford,,,taking loan, interest scaring us,,,,please guide me
Correct ah investment pannanumna eppadi pandradhu. Enna scheme eruku details kidaikuma. Second after 25 years save panna money return correct ah kidaikuma. Loss adhu edhu nu solli amount minus pannitu konjama edho ori amount kudupangala.
சகோதரி, எங்களை போன்ற படிப்பில்லாத மக்களுக்கு இன்னும் கொஞ்சம் தெளிவாக சொன்னால் பயனுள்ளதாக இருக்கும். அசல் + வட்டி இதில் வட்டியை வருமான வரியில் கழித்தால் லாபம் என்று சொல்லவருகிறீர்களா. விளக்கினால் நலம்.
Hi, I have availed housing loan 1 ago with higher interest also i have one personal loan.. Now i want to transfer my home loan in lower interest as well as i want some top up amount.. can you suggest me how to move this process?
Sister. Na oru car loan eduthu iruka athoda emi date vanthu 10 date but ennala curracta pay mudiyala so enaku 15 date ku chage pannanum antha finance keatta change panna mudiyathunu soldranga plz help me sister .....
Hello madam nenga solrathu ellam monthly 75 to 1 lac varikum salary vanguravangaluku sari 40 thous vanguravanku etu possible le illa 20lac loan vangana illa
Hi mam useful video mam thank u but 12 lakhs vangirukom home loan tenure 20 years engaluki tax benefit iruka mam rate of int 11.5 ku poiruchu rbi oda home loan tax percentage eppadi terinjukanum
Sis நான் weekly emi, 28 days loan ன்னு 5 லோன் இருக்கு அந்த தேதி அடிக்கடி மறந்துடுது so என் emi தேதி நியாபகம் வைத்துக்கொள்ள emi table android app இருக்கா? Pls share this details. இந்த தகவல் என்னை போல் பலருக்கு பயனளிக்கும்.
Download ffreedom app:- ffdm.app/awQi
Sorry மேடம் உங்க video நான் பார்க்கல,ஏண்ணா நீங்க ஓபனிங் லே யே,no intrest idea va சொல்லிட்டீங்க.very good 👍. thanks 🙏.
மிடில்கிளாஸ்க்கு வீட்டு கடன் சொல்லுங்க சிஸ்டர். பத்துலட்சத்துக்கு சொல்லுங்க. நீங்க சொல்றது பெரிய பணம். எங்கள பொருத்த வரை 1,00,000 மே பெரிய பணம் தான்.
Invest that 5 lakhs in bank deposit for 10 yrs for 6-7 % maturity will around 9.5 lakhs..and if at that time still that rate of interest is the same again invest that 9.5 for 10 yrs.. So after 20 yrs the maturity amount will be around 19 lakhs..for 25 yrs around 24-25 lakhs..
Ukanthu yoschrukinga.. But i think can't get that much profit from tax benefit and it should be a risky investment to get returns of 10% that too for 25 yrs cos bank interest are only 6-7% and are steadily going down..
Better something than nothing..
And better yet not to avail loans..
சகோதரிக்கு வாழ்த்துகள்....
தெளிவான விளக்கம் தந்தமைக்கு.. 💪🪭💪
இது போன்ற சிறந்த பதிவுகளை மீண்டும் எதிர் பார்க்கும் உங்கள் பக்தன் நன்றியோடு நான்.
What is tax bracket? To whom it is considered? How it is calculated?
Antha correct ahna investment enna nu sollunga mam.adhu theriyama tha erukom
My calculation - better not to avail HL
So interest 0%, EMI- 0, Tenure- 0, roi -0%
🤣ulti
Super idea
We can invest, what we have...
What a clear explanation sister.
Way more to go❤️
Which degree or course should i pursue to be knowledgeable in finace like u?
மேடம் இடம் வாங்குவதற்கு loan கிடைக்குமா கொஞ்சம் சொல்லுங்க
யுவராணி நீங்க நல்லா இருப்பிங்க எனக்கு மட்டும் இல்லை எல்லாருக்கும் பயன் உள்ள வீடியோ இறைவன் உங்களை நன்றாக வைத்திருப்பார்
Sisterrr such a pricess video ..
Note : i watch this video at 1:51 am , with out any distraction sucha informative video..
Thanks you much , hope i utilize this in crt way .. 🎉🎉 Thnk you so much sister ..
which is the best mutual fund to invest sip .what is your advise
go with index fund.. nifty fifty index funds
Ellame nalla sonniga anda balance amount 4000 ah yedhula investment pannanumnu sollunga
Good Video. But tell us which bank offers 8% interest for housing loan first of all. Post clearing this we can go further
Sbi
SBI is 8.5 min
😂lol😂
இது சற்று வித்தியாசமாக உள்ளது.. நீங்கள் சொல்வது நடைமுறையில் வாய்ப்பு இல்லை தோழி
If I didn't get a loan, the entire EMI of around 25k would be saved.
😂
Madam thanks for the information unga video yellam romba usefulla irrukku continue va puthu puthu video poduga
Kandipa
neega direct ah invest panuga nu solirukalam, nambaluku profit vantha matum tha zero interest agum, loss achuna interest um katatum aprum actual loan money um katanum. ana enga epdiyum bank will make 100% profit 😅, nambaluku tha konjam doudt profit varuma nu
Thanks for the clarification and your efforts
Please talk about home loan repayment. Very clear explanation.. I wish I would have seen this video become my loan.
Tq sister romba useful video. Nanga ethavadu doubt keta solluvingala sister.
Home loan principal tax benefit is applicable if we took the home loan before 2018, right?
Yes it is applicable
Ok sister but 30 k earn panuravanga ena panuvanga family run pananum la full amount loan and invermet pota family ku ena kodupanga athuku oru idea solunga
How is the Principal - Interest Ratio of EMI determined?
EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
@@suryachandran9670
That's EMI formula. My question is on the break-up of Principal and interest within EMI
Akka ella use full ah solluringa ennaku online course pathi sollalam la yendha app la online course pathila explain panningana clg poi padika mudiyathavangaluku use agum la akka
Please explain about mortgage loan madam
What a great calculation ,, really u are in ....don't waste others time ... Don't make this type of video...
What is missing on your calculation is Part 1 20 % tax exemption is good agreed , Part 2 investing 5 lakh more to save EMI and invest the saved EMI in some schemes of to create a wealth using the compounding growth, one more possible way is invest the 5 Lakh as the one time investment in the compounding growth scheme......probably the second one makes more money
1) if government decides to stop old regime and levy only new regime from any night?
2) who knows the real worth and growth of a property value (it might overvalue when we buy or undervalue when we sell), so instead of buying home with loan. why not we invest all the EMI amount in best return investment.
If you buy 50 lakhs in full cash no need to pay any interest
If you buy in emi need to pay double of loan amount
After 25 years definitely building and land value cross above 2 crore so no need to worry
Pls invest in individual lands don’t buy flats
In 1976 we brought land for ten thousand now the value 3 crore
We take home loan for 20 lakhs and paid more than 25 years including interest 40 lakhs
So we paid total amount 40 lakhs and 10000
Now building value three crore
Now if we sell we will get 2.5 crore gain
So don’t think investing in land and gold definitely you will get profit
3 years before brought gold for 3 lakhs
Now sold for 5 lakhs
இவங்க சொல்லுறத கேட்டு மனதை தேற்றி கோல்லவென்டும்...
₹ 4,245/- எப்படி invest செய்தாலும் நிங்கள் சொல்லும் amount வரவில்லை மற்றும் புரியவில்லை.. monthly investment or single payment investment.
4k*300months*10percent return
Sip ah maasam maasam index fund la podunga bro
@ShanmugaPriya-hi8dg athu yepdi
What about insurance,inspection and loan processing charges.Deferent banks collecting deferent charges,that’s how much for total years
Mam, Please describe the Defence salary package home loan benefits for the Army person.
Sure, We'll work on it. Thanks for the comment, Keep supporting
Thank u so much for a explanation ma. Very clear
Tax saving of calculation correct amount mention please impossible point
Heading ah mathuma... Tax benefit ah solrathuku... Ippadi oru puthu method.... Inappropriate thmpnail and heading....
Sathurangavettai... curiosity...
Wow, ne super Maa, neraya katukavadiyathu irruku. Genius yuvarani.... 🎉
Is this genius 😮
Tax benefit is for tax payers only😢 In india, only 4% of the population is paying tax so this tax benefit formula won't work for 96% of the people. And 10% return for 25 years is practically impossible for normal people who don't know about investment. Even a good investor will face losses therefore getting a 10% return for 25 years is a day dream.
Absolutely right. Also based on new tax regime we will not get any benefits on home loan principal and interest paid
@@lakshmigandhan6272 😊👍
Invest directly in nifty 10% will be sureshot! For the past 10 yrs it gave 14℅ avg
And for 96℅ 30,000 emi how can you pay? 😂😂😂 what's the logic you pay emi of 30k but u have income less than 5.5lcs p.a😢
And minimum investment of platform sip am i right ?
If 50 Lakhs loan as per RBI guidelines maximum can offer up to 40 lakhs..
*RBI LTV Guidelines*
Up to 30 L - 90%
Up to 75L - 80%
More than 75L - 75%
* LTV - loan to value of the property..
I have a doubt. If we cancel the home insurance... Do we need to pay any penalty amount...
That remaining 4 thousand rupees where we have to invest for that you itself give good idea
Mam antha save pandra amount ah entha platform la invest panna better ah irukum nu oru video podunga..
What about the 5 lakhs additional down payment? Even if that is invested properly you can have good returns
Exactly
Sis intha video full ah patha nanum home loan vanki irukan. Ana tax benefit pathi yentha bank solrathu ella athu ye nu therila. Ippa na yeppdi tax benefit vankutayhu
Mam,In the case of personal loan can we get EMI split(Interest+Principal)statement from the bank.
yes, you can
Hi dear 👋🏼 nenga epdi evlo brilliant erukingaa..unga video patha...na sskip pana mata...
அந்த,கரக்டண,எடத்தையும்நீங்களே,சொல்லிடிங்கனா,நல்லா இருக்கும்,சகோதரி
Please tell people that the income from investment is taxable.
Hi Yuvarani I'm personel loan innum 3 years kattanum athaiyum kalichutu home loan tharuvangala loan vangalam I'm confused. Plz explain pannuga plz
Hi ITR file pannrathile oru doubt
Enakku 4lpa package from this year jan so na ITR file pannanuma
As per new regime upto 7 lpa varakkum tax ille athala ketten
If you don't have other income then you don't want to pay tax but you can file ITR-1. It's a good habit. You can explore online/RUclips regarding filing ITR-1 and you can do self assessment and you can file ITR-1.
Yes file itr
Hii aka i am kabi, from trichy onga district than, one doubt correct ta investment nu sollurigala atha pathi kojam nalla sollurigala na neriya videos pathen sip or mutual fund and investment pathilam ana avaga romba deep sollaa antha company la evlo returs kudukuraga atha pathi than soluraga, i am in village inga bank mattum than iruku but investment interest iruku, neega good and safe platform suggest panuga pls😐
Sari ga Madam ...antha 4245 ethula Investe pana niga sollra ammount kidaikum ...solluga Mam
Today saw home loan - zero interest. How to identify to choose the profitable income opportunities for Rs.4000.
Wow super idea... thank you so much
50L la down payment 12l katta solreenga avabga sanction pandrathu 32 vattium 25 yrs katturom apo initial amnt 12l kattunathu yeanga...?
Atha marantanga. 12L ku vatti potanum
CALCULATION OK ITHUKKU RENT IKKU POITTU MICHATHA SAVE PANNI INVEST PANNA EVVALAVUNU KONJAM SOLLUNAG MADAM
Hi sis
In ur logic fixed interest may be it works
But in floating interest rate how come it possible
Kindly send the Excel sheet for us to calculate..
Sis home loan take over pandrthuki low interest bank sollunga...
You will pay 2 lakhs interest for 15 years only. Rest 10 years, it will be less. If in .2% slab, saving in tax would be around 7 lakhs only.
5 lakhs amount 8% interest badila 10% interest vantha, perusa profit illaye...
Entha mathiri ideals lam bank karanga pannama
Namakku ethukku loan kudukkuranga ?
Tax benefits wrong calculation I think apdiye fulla tax pay panna venam nu rules or order iruntha mention Pannunga
But you twisted the people's mind, you missed one thing on the investment example if person put it on the mutual fund means Long term CAPTIAL gain tax we have pay right
Calculation is wrong I think, you are telling 1.5laks interest not able to pay by avail tax benefit. But the actual thing is that if I am in 20% slab I can get 30,000 only. Any thought
Please reply madam. நான் வீட்டுக்கடன் வாங்கி வீடு காட்டியுள்ளேன் கடன் தொகை 800000 இதுவரை மாத மாதம் emi சரியாக காட்டியுள்ளேன் 2017 கடன் வாங்கி தற்போது 2023 டிசம்பர் இறுதியில் முழு கடன் தொகையையும் காட்டியுள்ளேன் எனக்கு வேறு ஏதாவது கூடுதலாக பணம் வசூலிப்பார்களா ? ( ஏன் என்றால் அவர்கள் கொடுத்த தவனை வருடங்களுக்கு முன்பாகவே என் கடனை முடித்துவிட்டேன் அதுவும் இந்த ஒரு வருடத்தில் வெளிநாட்டில் வேலை செய்து கடனை அடைத்து விட்டேன் எனக்கு பத்திரம் உடனே கொடுத்துவிடுவார்களா ?)
Interest வாங்கி, இலவச கடன் சொல்லி, என் லாபத்தை காட்டி free lone சொல்லிக்கரத்துக்கு தைரியத்துக்கு பாராடல்.
DEAR DAUGHTER, U HAVE PRESENTED WELL,BUT CALCULATION IS MANIPULATION
Rent is wasted, u didn't calculate interest for 5 lakh, what about inflation, after 20 yrs if u build a home, what about land cost, commodity cost?
Evalla amount pay panna muteecha athugu lone vangaranga solluga ..
Tax means salary slip la yeadukuranga atha yeapdi avoid pandrathu
Thank you so much mam for your support and guidance 🙏
Hello sister neeinga FM la work panningala
Hi, mam nanga bank la vittu patharam 2005 la vachom. Nanga full payment katti mudichi patharamum vangitom. Recent ta atha ye thambi peruku mathaponappo antha bank la loan account close agama irukkunu solluranga. Bank la ketta delay pannuranga. Ethukku yethavathu solution iruntha sollunga sister
Hai yuvarani. nalla pathivu thank you
Okay sister this loan plan tax pay pannuravagalukku only tax pay pannatha normal people ku idea solluga
வணக்கம் சகோதரி அருமையான பதிவு மிகவும் பயனுள்ளதாக இருக்கிறது நான் ஒரு தனியார் வங்கியில் வீட்டு கடன் வாங்கியுள்ளேன் வட்டி 15 சதவீதம் இப்போது நான் வருமான வரி 4 வருடங்கள் கட்டி வருகிறேன் நான் எனது லோனை வேறு வங்கிக்கு 8% வட்டிக்கு மற்ற என்ன செய்ய வேண்டும் தெளிவான விளக்கம் அளிக்க வேண்டும் இதை வீடியோ பதிவு செய்ய வேண்டும் என்னைப் போன்ற பல சகோதரி சகோதரர் பயனடைவார்கள் 🙏நன்றி
வாழ்க வளமுடன்🙏
இந்தியன் வங்கி/தேசிய வங்கி ஏதாவது ஒன்றில் மாற்றிக் கொள்ளலாம் நிச்சயம் emi குறையும்
Super madam எப்படி எல்லாம் யோசிக்கிறீங்க😊
Sis filpcard la personal loan tharatha soluranga atha paththi oru video podunga sis
Akka ennoda home altrate pananum maybe 5 L theva paduthu.... Bank la epdi approach pana loan kidakum...... Government schomes ethachum iruka.... Plz solunga
Our house is full of cracks and ceiling were broken,,,as the estimate is 3lakh we are not able to afford,,,taking loan, interest scaring us,,,,please guide me
Daily salary vangura aatkaluku loan tharuvangala athuku vali iruka sollunga please
Pesama 29000 uh 10% ku 25years save panna 3.8crore kidaikum 😂 ipdi calculate Pani video uh mudichu vidunga
Correct ah investment pannanumna eppadi pandradhu. Enna scheme eruku details kidaikuma. Second after 25 years save panna money return correct ah kidaikuma. Loss adhu edhu nu solli amount minus pannitu konjama edho ori amount kudupangala.
சகோதரி, எங்களை போன்ற படிப்பில்லாத மக்களுக்கு இன்னும் கொஞ்சம் தெளிவாக சொன்னால் பயனுள்ளதாக இருக்கும்.
அசல் + வட்டி இதில் வட்டியை வருமான வரியில் கழித்தால் லாபம் என்று சொல்லவருகிறீர்களா. விளக்கினால் நலம்.
Hi, I have availed housing loan 1 ago with higher interest also i have one personal loan.. Now i want to transfer my home loan in lower interest as well as i want some top up amount.. can you suggest me how to move this process?
Thank for help I like the video and share
Sister. Na oru car loan eduthu iruka athoda emi date vanthu 10 date but ennala curracta pay mudiyala so enaku 15 date ku chage pannanum antha finance keatta change panna mudiyathunu soldranga plz help me sister .....
Sip start panrathu yeppdinu solla mudima
Hello madam nenga solrathu ellam monthly 75 to 1 lac varikum salary vanguravangaluku sari 40 thous vanguravanku etu possible le illa 20lac loan vangana illa
Need some guidance to invest the money
Hi mam useful video mam thank u but 12 lakhs vangirukom home loan tenure 20 years engaluki tax benefit iruka mam rate of int 11.5 ku poiruchu rbi oda home loan tax percentage eppadi terinjukanum
Sis நான் weekly emi, 28 days loan ன்னு 5 லோன் இருக்கு அந்த தேதி அடிக்கடி மறந்துடுது so என் emi தேதி நியாபகம் வைத்துக்கொள்ள emi table android app இருக்கா? Pls share this details. இந்த தகவல் என்னை போல் பலருக்கு பயனளிக்கும்.
56 lakhs profit nu Soninga la...... investment panuna varum nu ...Athu yethula panrathu nu solunGa Madam
Very nice idea mam suppose 5 laksh we don't have that case you have any idea
Excellent exemple explications Very Nice 👍💯👏