Hi I am Brad Gaul I am 28 years old from Miami, FL. I am doing job in a private company and my favorite hobby is traveling and i like to spend all my holidays on traveling and touring with family or friends.PinterestWeebly
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Oh, yello pages
https://yellow.place/en/property-market-malta-msida-malta
Anyone else surprised that this still exists?
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/12/11/oh-yello-pages/ from Pete's Travel Life https://petetravellife.tumblr.com/post/181013465861
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Even more on the subject of buying a property in malta
This is really getting into my head now!
http://varyhomedesign.com/checklist-for-buying-a-new-property/
Purchasing another house or property is a vital choice to make and in this way, you have to extremely careful pretty much the entirety of your choice. All things considered, the house isn’t something that you can manage the cost of consistently. It’s to a greater extent a one-time substantial speculation and you should be savvy with your moves. With regards to purchasing your own home there are such a significant number of imperative things that you have to check before you really put resources into it. This will assist you with making a superior choice. All things considered, you wouldn’t have any desire to lament your choice later on. On the off chance that you are intending to purchase another house sooner rather than later then you can look at the pads available to be purchased in Malta.
Critical things to check:
You can’t be impulsive with your choice with regards to purchasing your own home. You have to investigate each moment subtle elements previously you really continue with it. Here are a portion of the essential things that you have to check before putting resources into new property.
Check the area: The above all else you have to consider the area of the house that whether it is adequate for your family to remain or not. Most presumably you will spend whatever is left of your lives remaining in that put so you have to choose right that if the place is sufficiently advantageous for you to remain or not.
Size of the house: The following imperative thing to check is the extent of the house. The cost of the property is reliant on the size also. In the event that you will spend more, you can bear to pick a major house and the other way around. That, as well as even the measure of your family is one of the affecting components with regards to choosing the span of the house that you require. Consequently, you have to keep these variables in your brain before you really put resources into it.
Confirm the developer: You likewise need full insights about the manufacturer with the goal that you can a smart thought about the status of the house. You ought to complete an individual verification on the developer and furthermore check the ongoing and the past activities that he is included into.
So these are three of the principle things that you have to consider first off. Afterward, there are numerous different things that you should investigate.
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/12/04/even-more-on-the-subject-of-buying-a-property-in-malta/ from Pete's Travel Life https://petetravellife.tumblr.com/post/180787304701
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Buying a property in Malta
Found this article:
http://www.ourwshome.com/a-complete-guide-to-buying-a-new-home/
How hard can it really be? It really doesn’t sound that complicated at all. I mean, yeah a bit of paper work, but I have enough money for a deposit on a place and buying a place in Malta will definitely make my life better.
If you are interested in purchasing Maltese real estate, here are the steps to follow:
Appoint a notary and a lawyer
A notary is a public officer entrusted with the enrolment of public deeds such as the purchase and sale of property. They are meant to be impartial, so it is unusual for a notary to be connected to a developer or estate agent. You should therefore ignore any suggestion of whom to appoint from the seller or estate agent; the same applies to your lawyer.
Your lawyer should specialise in property transactions. In the case of foreign buyers, it is important for the lawyer to be aware of the rules specific to the ownership, transfer and subletting of property by a foreign resident. blue lagoon The Blue Lagoon, a favourite swimming spot Credit: Frank Vincentz/Wiki Commona
Get a permit
If you are an EU citizen, and the property you are purchasing will not be your main residence, you will need to obtain an acquisition of immovable property (AIP) permit, which is granted by the Ministry of Finance.
The minimum price you must pay for an apartment is €107,670 (£84,231) or €179,400 (£140,346) for a house or villa. EU citizens who intend to make the property their main home do not require a permit.
Sign an agreement and pay the fee and deposit
Once you have decided on a property and your offer has been accepted, a preliminary agreement is signed between the seller and buyer. This is usually valid for three months and binds both parties to the transaction based on a set of agreed terms and conditions which have to be satisfied for the final agreement and legal transfer of title to go ahead. After the signing of the preliminary agreement, but before entering into a final deed of sale, the notary will carry out the necessary searches into the property to confirm everything is in order before proceeding.
At this stage, one per cent of the total stamp duty fee of five per cent is payable to the Inland Revenue and a 10 per cent deposit is paid by the buyer. The remaining four per cent of the stamp duty will be paid on issue of the final deed.
Watch out for problems
While unusual, it is not unheard of for irregularities to arise, from which your lawyer should do their best to protect you. Problems could include:
A defect in title; the supposed seller might not be the rightful owner. A creditor may have obtained a judgment against the seller, and a lien over the property would remain in place, even if the property is sold. There might be a right of “servitude”, where the property you are buying is legally subject to the rights of other properties. This could include, for instance, a right to access a roof for a water tank or antenna. Many of the traditional limestone townhouses in Malta are hundreds of years old. You might encounter strange building methods, or structural defects that are not immediately evident. Alternatively, improvement work might not be covered by permits.
In the event that further work is required or there is a discrepancy, you have the right by law to pull out of the preliminary agreement and be refunded the deposit in full plus the initial one per cent of stamp duty paid. It is worth noting that if the discrepancy is corrected within an agreed period, then you must complete the sale.
Sign the final paperwork and pay for everything else
Once everything has been completed, a date is set for the signing of the final deed of transfer at which point the balances due must be paid – the selling price to the vendor; the rest of the stamp duty to the Inland Revenue and one per cent in notary fees.
It is possible to give a power of attorney to a nominee such as your lawyer, to sign contracts on your behalf. sandstone homes malta and fort Many homes on the island are very old
Taxes
Malta’s favourable tax regime does not impose wealth tax, and inheritance tax does not exist, but if a death occurs then a beneficiary will have to pay a five per cent duty on the value of the property. If a property is jointly owned and a spouse or partner passes away then a five per cent duty will only apply to half the value of the property.
When selling your main residence of more than three years, no capital gains tax is payable on the transfer, as long as the sale is made within 12 months of you vacating the property.
If the property is a holiday home or investment property, then since January 1 2015, the rate of capital gains tax is eight per cent of the value of the property. If the property was acquired before 2004 the rate is 10 per cent of the value, and transfers of property by non-property traders within the first five years of purchase are subject to a rate of five per cent of the value
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/12/03/buying-a-property-in-malta/ from Pete's Travel Life https://petetravellife.tumblr.com/post/180749337146
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Best Travel Destinations in December #ChasingTheSun
December is the month when stores and avenues are brightened for the Christmas season, advising us that we have parcels to do, regardless of whether it’s present shopping, travel arranging, or finding the correct outfit for a gathering. Sharp voyagers realize that the early long stretches of December give an ideal chance to travel.
#ChasingTheSun
With about everybody retained in preparing for the occasions as opposed to voyaging, carriers and lodgings are putting forth incredible arrangements. Others may need a difference in view or an opportunity to praise the occasions in another faraway place.
Goa, India
Goa is love-it insane in December. Each palm tree hung with tinsel and pixie lights, each shoreline bar shaking with the most lovely joyful simply gotten themselves voyagers moving like nut cases, night and day. The climate is simply impeccable, and the gatherings achieve fever pitch.
Goa, India
Christmas is cause for incredible festival all through India – no more so than in Goa, garlanded and lit up with firecrackers, Christmas trees and Santa caps incomprehensible in the warmth and residue. This all folds into New Year’s Eve festivities, with gatherings and raves on the shorelines and bars (Goa is India’s most liberal state).
It gets occupied, so book ahead. Abstain from remaining too long in Anjuna, except if you’re a no-nonsense raver – move til the sun comes up, at that point make a beeline for a calmer spot (we adore Arambol, Mandrem, Palolem, all absolutely marvelous) for an alternate sort of dawn.
Fuerteventura, Canary Islands
Fuerteventura
The second biggest of the Canary Islands (after Tenerife) just dangles a leg beneath the 20C check in the coldest long stretches of January, however is generally an asylum for daylight whenever of year. Corralejo, at Fuerteventura’s northern tip, is one of the convenience center points, home to an amazing shoreline which looks at the neighboring islet of Lobos. Yet, thereis rough view as well – not slightest the ensured breadth of the Parque Rural de Betancuria. See more here: https://en.wikipedia.org/wiki/Fuerteventura
Cartagena, Colombia
Warm climate, Caribbean shorelines, and intriguing history coax guests to this beach front city amid December. When a sixteenth century Spanish port, Old Town Cartagena, encompassed by antiquated stone dividers, is an UNESCO World Heritage site. Guests walking around its lanes will see unique Spanish Colonial engineering among new eateries, reestablished homes, and boutique motels. From road nourishment to upscale eateries, Cartagena offers the best in neighborhood fish, meat, and new natural products.
Colorful Cartagena, Colombia
In December, the city turns into a celebration of lights, with nativity scenes, enhancements, and special festivals finishing with New Year’s Eve firecrackers. Occasion customers will need to bring home presents of bright handcrafts sold at business sectors all through the city, with extraordinary Christmas markets touching base in December.
Colombia supplies almost 90 percent of the world’s emeralds, and a quality diamond from a solid source would make an essential memento. Adjacent Rafael Nunez International Airport makes touching base via air very advantageous, and guests will discover a scope of cabin in and around Cartagena. For an extravagant excursion, the new Conrad Cartagena offers four pools, a private shoreline club, a green, seven eateries, tennis courts, a spa, and dazzling sea sees from each room.
Phuket, Thailand
Thailand’s biggest island draws in guests in their droves – around five million voyagers make a beeline for Phuket consistently. Occasion here in December you’ll have the capacity to appreciate the incredibly lovely shorelines free of storm rain and lolling in superbly hot temperatures.
Phuket, Thailand
Despite the fact that it’s prevalence has implied huge scale improvement, there are still pockets of heaven to be found on the island; seventeen kilometer-long Hat Mai Khao Beach is moderately pristine, being situated in a national stop. On the flipside, party creatures should make a beeline for Surin Beach, home to swanky club scenes like Zazada and Catch, immaculate in case you’re arranging a New Year’s Eve to recollect.
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/11/24/best-travel-destinations-in-december-chasingthesun/ from Pete's Travel Life https://petetravellife.tumblr.com/post/180445354416
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Grant Cardone talkin real estate in Malta
youtube
See also: http://www.homeownerscover.com/the-benefits-of-living-in-a-house-rather-than-a-flat-in-malta/
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/11/08/grant-cardone-talkin-real-estate-in-malta/ from Pete's Travel Life https://petetravellife.tumblr.com/post/179895794481
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Mosta…things to do
http://www.spaandtravel.com/mosta-tour-to-the-island-at-the-heart-of-the-mediterranean/
Have you heard about Mosta? Mosta is a small town in the popular vacation destination; Malta. A huge number of people visit every year at this place. If your plan is to enjoy the vacations in Europe then the best place in Malta. The place is well known for beautiful beaches, ports, and coastlines. Malta’s nation is highly dense in the terms of population. Malta is ethnically diverse in nature and is an amalgamation of British, Italian, Spanish, Norman, Sicilian and Arab descendants. The basic and highly spoken languages are Maltese and English. But it does not mean that only Maltese and English are the languages but Italian is becoming a widely spoken language in Malta.
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/11/07/mosta-things-to-do/ from Pete's Travel Life https://petetravellife.tumblr.com/post/179862686056
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I do my own stunts
I just hope my Mum never sees this
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/10/29/i-do-my-own-stunts/ from Pete's Travel Life https://petetravellife.tumblr.com/post/179549253381
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And the real answer is…
youtube
Any bike. Seriously, just get on it and ride!!!
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/10/27/and-the-real-answer-is/ from Pete's Travel Life https://petetravellife.tumblr.com/post/179478286791
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Le Tour 2018… I miss it already
youtube
Need to find more cycling locations for 2019
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/10/26/le-tour-2018-i-miss-it-already/ from Pete's Travel Life https://petetravellife.tumblr.com/post/179446144251
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Malta Budget 2019
There goes the most boring thing you will read today – https://www.propertymarket.com.mt/budget-2019/
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/10/25/malta-budget-2019/ from Pete's Travel Life https://petetravellife.tumblr.com/post/179412726096
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Who can do that (Video)
youtube
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/10/25/who-can-do-that-video/ from Pete's Travel Life https://petetravellife.tumblr.com/post/179412726211
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Latest properties for sale in malta
This is the only website you need – https://www.propertymarket.com.mt/for-sale/
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/09/18/latest-properties-for-sale-in-malta/ from Pete's Travel Life https://petetravellife.tumblr.com/post/178207715366
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Flat or a House? That is the question…
Making grown up decisions by watching videos on youtube lol
youtube
youtube
youtube
Also this article helps.
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/09/17/flat-or-a-house-that-is-the-question/ from Pete's Travel Life https://petetravellife.tumblr.com/post/178173659246
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Winter is coming, cycling indoors and more
During training, it is essential for cyclists to get enough sleep. The Principles of Training dictate that the body needs downtime in order to rebuild after an intense period of training. Typically, that downtime comes in the form of sleep. If you want to get the biggest possible gains from your training, getting enough sleep is extremely important. Not only do you need to set aside time for sleep, but you also need to create the right sleeping environment.
Full article can be found here
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/09/13/winter-is-coming-cycling-indoors-and-more/ from Pete's Travel Life https://petetravellife.tumblr.com/post/178038095156
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If I only had 1.5 million Euros…
Recently saw this fantastic place in Malta:
Fully Converted House Of Character, built on two Tomolo of Land, where nothing was spared to finish to the finest and most luxurious detail and having unobstructed open views, is situated in the most rustic part of this town, retaining some original features as high ceilings, ‘Xorok tal-Qasba’,’Kileb’, arches and timber beams. This Unique property consists of a Large entrance which is over 400years old leading to a Private sunny courtyard with skylight
Check out others too – https://www.propertymarket.com.mt/for-sale/houses-of-character/
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/09/13/if-i-only-had-1-5-million-euros/ from Pete's Travel Life https://petetravellife.tumblr.com/post/178038095361
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Mûr-de-Bretagne Guerlédan – Stage 6, TDF 2018
A coordinated arrangement to create tourism around Guerlédan
While the Guerlédan lake is a standout amongst the most meaningful destinations of the Côtes d’Armor, the vacation spots of Central Brittany are frequently minimal known. To make the territory much more appealing, the office propelled an uncommon tourism improvement program. The arrangement expects to advance and create three noteworthy destinations, the outside play areas and pool of Guerlédan, the Nantes to Brest channel and the Bon-Repos convent keeping in mind the end goal to improve the neighborhood tourism offer in light of green tourism, nature sports and building legacy. The pool of Guerlédan will be outfitted with attractions (gymnastic courses, stupendous toboggans, zip line), notwithstanding its present nature sports exercises to make it considerably all the more a family top choice. The Nantes to Brest trench is progressively changed in accordance with encourage trekking and kayaking, angling or climbing. It will be incompletely revived to route in 2020 to offer vessel rides and rentals. Bolt houses will have amusement offices or different administrations to guests. At long last, the nunnery of Bon-Repos will be upgraded too, to enhance its availability.
MUR-DE-BRETAGNE AND CYCLING
Nicknamed the Breton Alpe d’Huez the Mûr de Bretagne rising, a long straight move of 2 kilometers, has just facilitated two phase completes, won separately in 2011 by the future champ of the Tour, Cadel Evans, and in 2015, by Alexis Vuillermoz. With respect to Guerlédan, known for its fake lake, it is presently the name of the new town joining Mûr de Bretagne and Saint-Guen. It was in 1947 that the bank of Mûr de Bretagne picked up its first specify in cycling history books. Situated at the 65th kilometer of a tiresome 139-km time preliminary amongst Vannes and Saint-Brieuc, it denoted the thrashing of René Vietto, delegated Pierre Brambilla and uncovered Jean Robic, cheered by his energetic fans. The climb was then vanquished by the best climbers, as Lucien Van Impe, at that point shielding Tour champion, who was first at the best in 1977.
Cycling in Mallorca
SIGHTS
Lake Guerlédan
Situated at the foot of Mûr de Bretagne, Lake Guerlédan is the biggest lake in Brittany and stretches out more than 13 km (300 ha). Altogether fake, it was conceived toward the start of the twentieth century with the development of a hydroelectric dam at Mûr de Bretagne, on the flood of the Blavet. The power plant was then the first in France to create power. Still being used today, the dam required a specialized check and redesign work that required the entire becoming scarce of the lake in 2015. The Tour de France was going to that year and the onlookers could profit by the visits composed at the base of the lake. Lake Guerlédan somewhat denotes the fringe amongst Morbihan and Côtes-d’Armor. Today it is a play area for different water exercises. Walks around the shores of the lake give lovely beautiful perspectives. On the towpaths and climbing trails, some of which are outfitted for individuals with lessened portability, strolls and rides are additionally conceivable.
Trail blazing bicycle station
Made by the Department, the departmental open air base of Guerledan gives outside exercises to all tastes: cruising, kayaking, climbing, mountain biking, orienteering… It likewise houses a trail blazing bicycle station with 12 circuits of various levels (300 km) and different administrations (bicycle rental, cleaning hardware, bolster by proficient artists …)
http://www.base-plein-air-guerledan.com
Bon-Repos Abbey (see above)
The Nantes to Brest Canal
Worked in 1806 after Napoleon’s choice to open up focal Brittany and interface the significant Breton ports without going adrift, the Nantes to Brest channel and its 119 locks required 34 long periods of work. Circumscribed by eminent towpaths, the channel is well known for climbing, angling and kayaking. The channel will be somewhat come back to route in 2020 on an area of 15 km close to the nunnery of Bon Repos. In Côtes-d’Armor, the 42 km long towpath is a necessary piece of the Vélodyssée, a long cycle trail connecting the south of England to Hendaye.
http://www.lavelodyssee.com
WHAT TO EAT
Crushed potato galettes (hotcakes) The formula is from Pontivy, however the short 16 km between the two urban communities imply that Mûr-de-Bretagne can assert this flapjack heated with pureed potatoes as its own. It is a galette (flapjack) which like others can be loaded down with hotdog, bacon or salmon, the distinction being that the great hotcake mixture (flour, salt and water) is blended with pureed potatoes. This clearly brings about a more reduced, additionally supporting and heavier glue, however that is the thing that makes its appeal.
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/07/11/mur-de-bretagne-guerledan-stage-6-tdf-2018/ from Pete's Travel Life https://petetravellife.tumblr.com/post/175777769841
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Quimper – TDF 2018, Stage 5
Scalawags of the city
From April 13 to July 29, 2018, wolves are in the core of Quimper. A stupendous pack of 95 bronze wolves, going on the defensive around a warrior, were introduced by Chinese craftsman Liu Ruo Wang on the François-Mitterrand esplanade, between the media library, the Cornouaille theater and the workmanship school of Brittany. This establishment, called “Wolves touch base toward the apocalypse” symbolizes the battle of men against oppression. It enables the Breton open to find the power and imagination of Chinese contemporary workmanship. The media scope of the display in France and China is probably going to put a focus on tourism in Quimper. Quimper likewise wishes to grab the chance to build up its two-sided relations with China, notwithstanding the activities completed in the system of the twinning amongst Quimper and Yantai.
QUIMPER AND CYCLING
The prefecture of Finistere was included out of the blue on the Tour delineate years back, for the beginning of a phase won in Saint-Nazaire by André Darrigade. Be that as it may, the principal victor in Quimper was Phil Anderson, ten years in the wake of making a sensation by turning into the main Australian holder of the Yellow Jersey in 1981. This stage was the snapshot of the tragi-funny and secretive withdrawal of the entire PDM group …
Thor Hushovd likewise has an affection for the capital of Cornwall where he won a phase in 2004. Quimper was a customary phase of Circuit du Morbihan and Tour de l’Ouest in the 1930 and 1950s and saw Briton Tom Simpson secure his first expert triumphs in 1959.
Among the riders from Quimper, must bementioned Laurent Pichon, victor of the 2017 Coupe de France and who took part a year ago in his first Tour de France. Prior to the war, the main figure of cycling in Quimper was Pierre Cloarec, champ of two phases in 1939 and whose shop mourn Madec, the suitably named “Au Tour de France”, was deified by acclaimed American picture taker Robert Capa.
SIGHTS
Holy person Corentin Cathedral
In 1239, Bishop Raynaud chose to fabricate the present house of prayer on the establishments of an old Romanesque basilica. In 1410, the vaults of the choir and the windows were finished. In 1424, Bishop Bertrand de Rosmadec embraced the development of the nave and the two towers of the veneer. From the 1850s, neighborhood draftsman Joseph Bigot embraced the rebuilding of this perfect work of art of Breton Gothic craftsmanship, for the most part the enrichment of the houses of prayer and the establishment of new recolored glass windows devastated amid the Revolution. His most fantastic accomplishment was the fulfillment of the two towers, financed by parishioners in the vicinity of 1854 and 1856. From 1989 to 1999, a redesign crusade revived the presence of the basilica in the late fifteenth century: the inside polychromies were reestablished. As per legend, Saint Corentin was a recluse who nourished the troops of King Gradlon, lost in a timberland, with just a single little fish. As a reward, the ruler made him his cleric.
Locmaria, crude site of Quimper
Locmaria lies on the left bank of the Odet, toward the south of the braced city and the Saint Corentin church building. With the establishment of the faience production lines of Quimper, the locale turned into a working zone. Little houses and huts were worked and also a congregation (eleventh and twelfth century) and a convent (seventeenth and eighteenth century) lodging Benedictine nuns. The Abbey of Locmaria was the most established Christian settlement in the city. The nunnery’s Notre Dame church is an ideal case of early Romanesque craftsmanship in Brittany.
Breton Departemental Museum
Since 1911, the Breton departmental exhibition hall has been protected in the Palace of the Bishops of Cornwall, the most astounding landmark of Quimper after the house of prayer on its north side. Two wings outline the pinnacle, worked for Claude De Rohan (1507), one of the best design cases of the Renaissance in Brittany. The historical center was one of the first in France to center around provincial ethnography and prevalent expressions.
Quimper Museum of Fine Arts
Situated on the Cathedral Square since 1872, the Museum of Fine Arts is set in a traditional royal residence composed by Cornish planner Joseph Bigot, who likewise assembled the towers of the church building. Its inside engineering was totally restored in 1993 by decorator Jean-Paul Philippon, who likewise worked at the Orsay Museum in Paris and La Piscine in Roubaix. Philippon imitated the 1910s Art Nouveau stylistic theme of the Hotel de l’Epee to put it at the focal point of the gallery. The 24 rooms of the changeless accumulation are sent around it. An impermanent show lobby, an instructive administration room and a shop finish whatever is left of the exhibition hall.
http://www.mbaq.fr
Exhibition hall of faience
Faience touched base in Quimper in 1690 with Marseille stoneware maker Jean-Baptiste Bousquet. Two faience shops at that point fought it out, Hubaudière-Bousquet and Henriot-Quimper. The Museum of Faience is spread over a presentation space of 500 m2 on two levels and eight rooms, and enables the guest to find a display of 500 things, consistently restored on account of a gathering of in excess of 2,000 articles outlined with religious, recorded, regular day to day existence or unique illustrations. The Henriot-Quimper plant can likewise be gone to in the Locmaria region.
WHAT TO EAT
Torchettes and kouignettes
Baked good culinary expert Georges Larnicol, now diversified all finished France, made “torchettes” renowned over thirty years prior. A bread developed in 1985 by good fortune, Torchette® was immediately received as an empowering sweet by windsurfers at the Pointe de la Torche, thus its name. The fresh cake is made with almonds, hazelnuts, grapes, ocean growth and a bit of rum. It contains no spread or egg yolk. Georges Larnicol likewise designed the “kouignettes”, got from the kouign-amann cake created in 1860 by Yves-René Scordia, a cook from Douarnenez. Kouign implies delicate bread and amann margarine.
from Pete’s Travel Life https://petetravellife.wordpress.com/2018/07/10/quimper-tdf-2018-stage-5/ from Pete's Travel Life https://petetravellife.tumblr.com/post/175742900021
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