सेबी से पंजीकृत भारतीय रिसर्च एनालिस्ट महेश कौशिक से हिन्दी में सीखिये शेयर बाजार के गुर व हर सप्ताह पाईये फ्री शेयर टिप लोंग टर्म निवेश के लिये
सेबी पंजीकरण क्रमांक:-INH 100000908 Registered under SEBI(RESEARCH ANALYSTS) REGULATIONS, 2014
महेश कौशिक डाट कोम ( http://www.maheshkaushik.com/) के इस हिन्दी संस्करण में आपका स्वागत है विगत 7 वर्ष से मेरा अंग्रेजी ब्लोग प्रचलन में है तथा मेरे बहुत से हिन्दी भाषी दोस्तों की मांग थी की मैं अपने ब्लोग का हिन्दी संस्करण भी लांच करूं जो 2016 की होली के इस शुभअवसर से प्रारंभ करते हुये मुझे अति प्रसन्नता हो रही है।
मैनें मेरे बीमा संबधि ब्लोग बीमाजिनियस (bimagenius) का नाम बदल कर उसे हिन्दी महेश कौशिक डाट कोम (http://hindi.maheshkaushik.com) किया है इसलिये इस ब्लोग पर आपको बीमा संबधि पुराने आलेख अग्रेंजी में दिखायी देवे तो चिन्ता मत किजियेगा अब से इस ब्लोग पर सिर्फ हिन्दी में शेयर बाजार के मेरे आलेख ही मिलेगें व बीमा के ब्लोग को बंद किया जा रहा है।
आप अपने ब्राउजर में सीधे http://hindi.maheshkaushik.com लिखकर मेरे हिन्दी ब्लोग को खोल सकते हैं।
आज के इस प्रारंभिक आलेख में मैं आपको शेयर बाजार में आपकेा निवेश क्यों करना चाहिये उसके बारे में बताउंगा फिर अगले आलेख में आपको शेयर बाजार में निवेश किस प्रकार से प्रारंभ करें उसके बारे में सीखाउंगा।
आप बस इस ब्लोग को बुकमार्क कर लेवें व हर 10-20 दिवस में अपडेट के लिये विजिट करें आप को इस ब्लोग पर शेयर बाजार की हिन्दी में जानकारी दी जावेगी। तो आज के मूल विषय पर आते हैंः-
शेयर बाजार में मुझे निवेश क्यों करना चाहिये?
आप सोचते होंगे शेयर बाजार तो अमीरों के लिये है आप मध्यमवर्ग से हैं आपकी गाढी कमायी शेयर बाजार में डाल कर आप तो रोड पर आ जावेगें। पर यह बेवकुफी है आप कुछ मुर्ख सट्टेबाज लोगों की सुनी सुनाई बातों के कारण पूंजीपति बनने के इस सुअवसर से दुर है तथा यदि आप उधोगपति बनना चाहते हैं तो सैंकड़ो सालों से हर देश मेंं शेयर बाजार ही इसका अवसर आम आदमी को दे रहा है।
दरअसल कुछ लोग शेयरों में निवेश न करके सट्टा करते हैं जो क्रिकेट में भी कर सकतें है बरसात होगी या नहीं होगी इस पर भी लोग सट्टा करते हैं लोग जुआ भी खेलते हैं इसमें यदि पैसा डुबता है तो शेयर बाजार क्या करे?
मै आपको जिस निवेश की बात कह रहा हुं वो कंपनी में कपंनी के मालिकों की तरह हिस्सा खरीदना है जीं हां आप यदि कपंनी का एक शेयर भी खरीदते हैं तो आप उस प्रतिशत तक कंपनी के मालिक के बराबर अधिकार रखते हैं आपकेा कंपनी के लाभ में हिस्सा मिलता है जिसे डीविडेंड कहते हैं व यदि कंपनी विकास करती है तो आपके हिस्से की कीमत बढती है।
मैं चाहता हुं मेरा हर पाठक वारेन बफट ( मशहुर शेयर निवेशक जो शेयरों में निवेश से खरबोंपति बने हैं। ) बने तथा वो गलतियां नहीं करे जो मागर्दशन के अभाव में मैने की थी मैं विगत 7 वर्ष से शेयर बाजार की मुफत शिक्षा दे रहां हुं जो पैसे लेकर शेयर बाजार की टीप बेचते हैं वो सीधे सीधे आपकेा ठग रहें है क्यों कि उनकी टीप में दम होता तो वो स्वंय उससे पैसा क्यों नहीं कमा लेते आपसे पैसे क्यों मांगते हैं?
मैं अपने ब्लोग पर जो रिसर्च रिपोर्ट डालता हुं उनमें से 90-95 प्रतिशत में मैं खुद या मेरी पत्नी भी निवेश करते हैं क्यों कि मेरा उददेश्य शेयर बाजार से पैसा कमाना है इसलिये मैं अपने पाठको से पैसे नहीं मांगता। आप पुछेगें 90-95 प्रतिशत मैं क्यों 100 प्रतिशत में क्यों नहीं ? ऐसा इसलिये है कि कई बार मेरे खाते में शेयर मे डालने के लिये पर्याप्त पैसे नहीं होते तो मैं कोई कोई टिप चुक जाता हुं व मैं सेबी से रजिस्टर्ड एनालिस्ट हुं इसलिये सेबी के नियमों ने भी मुझ पर प्रतिबंध लगा रखा है कि मैं अपनी टीप में प्रकाशन से 30 दिन पहले ओर 5 दिन बाद तक किसी भी शेयर में निवेश नहीं कर सकता।
चलिये अब कुछ ऐतिहासिक उदाहरण देकर आपका मन ललचाते हैं तथा आपको शेयर खरीदने की ताकत से परिचित कराते हैं:-
इंफोसिस का आईपीओ 1993 में आया था तब इंफोसिस का एक शेयर 95 रूपये का था उस समय आपने 100 शेयरों में निवेश 9500 रूपये में किया होता तो आज बोनस शेयर वगैरा मिला कर आपके पास 51200 शेयर हुये होते तथा इनकी बाजार किमत आज की 6.17 करोड़ रूपये होती इनमें आपको बीच बीच में जो 50 लाख रूपये के लगभग डीविडेंट मिला होता वो शामिल नहीं है।
ऐसी ही हालात विप्रो के शेयर की है इसका आईपीओ 1980 में 100 रूपये प्रति शेयर में आया था इसमें
आपने 10 शेयर 1000 रूपये में लिये होते ता आज आपके पास 960000 शेयर होते उनकी आज की कीमत 532 करोड़ रूपये होती उसी से आपको इस वर्ष लगभग 4.80 करोड़ डीविडेंट मिला होता पिछले 36 वर्ष में जो डिविडेंट मिला उसकी गणना ही मेरे बूते की बात नहीं है।
चलिये आज इतना ही अब 15-20 दिन का इंतजार इस ब्लोग के अपडेट होने का किजिये आप थोडी बहुत अग्रेंजी जानते हैं तो इस बीच मेरे अंग्रेजी ब्लोग पर ये चन्दू की कहानी पढ कर शेयर बाजार की ताकत जान सकते हैंः-
In 2006 and 2007 every one want to buy a ulip plan because that time our general public do not understand difference in mutual fund and ulip , that time most of insurance agents also misleads the investor they told him that " If you invest 10,000 per year in ulip for 3 years then you get 1 crore after 20 year.
People pay these 10,000 per year and when they see NAV after 3 year they find they get nothing because insurance companies cut high insurance and management charges from there fund units so they withdraw his ulip after end of 3 year term and get near about principle amount.
2006 to 2011 is an initial stage of ulip plans so that time I am also warn investor to avoid ulips.
but now we are in 2016
where IRDA regulate strictly for expanses and charges in ulip and insurances companies also become smarter and they lauch new best ulip plans 2016.
here we compare and review top 3 ulip plans of 2016
1. SBI Life eWealth insurance:-
SBI Life eWealth Insurance is a non-participating online unit linked insurance plan (ULIP) SBI Life eWealth insurance give hassle free investment management through automatic asset allocation. In SBI Life eWealth insurance you have choice of two plans options - Growth and Balanced. Premiums starting as low as Rs 10,000 for yearly mode and Rs. 1,000 for monthly mode. No premium allocation charges, thereby enhancing your fund value. Easy and simple 3 Step online Buying Process. You may also get twin benefits of life insurance cover and market linked returns. No withdrwaral is allowed in first 5 year so liquidity through partial withdrawal(s) from 6th policy year onwards. Get Section 80C benefit on your premiums paid, as well as section 10(10D) benefit on the maturity amount. Link to visit SBI Life site for more detail. 2. HDFC Life Click 2 Invest:-
This is also an online ulip plan. which key features are:- 100% Premium Allocation. No Policy Administration Charge. No discontinuance charges.
Only FMC & Mortality Charges applicable. Flexibility of paying your premium as Single, Regular or Limited paying term. Policy term could be between 5 to 20 years. Avail of benefits on premium paid under Sec 80C. Another plus point, Death benefit and Maturity benefits are exempt from Tax under Sec 10(10D). Link to visit HDFC Life site for more detail 3.ICICI Pru Wealth Builder II:-
Icici pru wealth builder 2 is also an online plan which invest in your choice of equity, debt or balanced funds. You can take control of your investment so you can switch between funds any-time, tax-free benefits under 80C and 10D as above 2 ulips You can make withdrawals on completion of 5 policy years
Link to visit ICICI Pru site for more detail Next:- Best health insurance plan 2016
If you buy insurance for tax saving then heath insurances plans in India are best choice for you.Today we compare top 11 Indian health insurance companies plans. I give seniority wise ranking of these 2016 best health insurance plans on basis of network hospitals and reviews of So here are the best 11 health insurance plans of 2016:-
1. Star Health and Allied Insurance:-
Star Health and Allied Insurance company top health insurance plan cover Up to 4 family members (2 adults and 2 children).
Star Health and Allied Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses.
Co-pay in Star Health and Allied Insurance is 20% for those 61 - 65 years old. (Co-pay is a fixed percentage of the hospital bill which you will wish to pay when you make a claim, while the balance amount will be paid by the insurance company. For e.g. If your policy has a 10% Co-Pay clause, it means for a Rs 100 claim, you have to pay Rs 10 while the insurer will pay Rs 90.).
The duration of coverage is Lifetime under this plan.
Pre-existing disease cover is available After 4 years.
Star Health and Allied Insurance has 6,000+ network hospitals so on basis of these network hospitals I rank this plan #1.
Star Health and Allied Insurance incurred claim ratio is 95.76% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website & public domain.)
Bharti Axa General Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children).
Bharti Axa General Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses.
Co-pay in Bharti Axa General Insurance is Nil. (That,s Great).
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 4 years.
Bharti Axa General Insurance has 5,000+ network hospitals so on basis of these network hospitals I rank this plan #2.
Bharti Axa General Insurance incurred claim ratio is 80.44% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.bharti-axalife.com/
3. Universal Sompo General Insurance:-
Universal Sompo General Insurance company top health insurance plan cover Up to 4 family members (2 adults and 2 children).
Universal Sompo General Insurance health insurance plan cover 60 days pre and 90 days post hospitalization. expanses.
Co-pay in Universal Sompo General Insurance is 20% if insured person is over 55 years old.
The duration of coverage is Renewable up to 70 years of age. under this plan. Pre-existing disease cover is available After 3 years.
Universal Sompo General Insurance has 5,000+ network hospitals so on basis of these network hospitals I rank this plan #3.
Universal Sompo General Insurance incurred claim ratio is 102.59%
(Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-http://www.universalsompo.com/
4. HDFC ERGO General Insurance:-
HDFC ERGO General Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children).
HDFC ERGO General Insurance health insurance plan cover 60 days pre and 90 days post hospitalization. expanses.
Co-pay in HDFC ERGO General Insurance is "No co-pay". The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 4 years.
HDFC ERGO General Insurance has 4,800+ network hospitals so on basis of these network hospitals I rank this plan #4.
HDFC ERGO General Insurance incurred claim ratio is 67.53% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.hdfcergo.com/
5. Religare Health Insurance:-
Religare Health Insurance company top health insurance plan cover Up to 6 family members (with up to 2 adults).
Religare Health Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses. Co-pay in Religare Health Insurance is 20% on first claim only for those above 61 years of age.
The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 4 years.
Religare Health Insurance has 4,500+ network hospitals so on basis of these network hospitals I rank this plan #5.
Religare Health Insurance incurred claim ratio is Data unavailable.
Apollo Munich Health Insurance company top health insurance plan cover Up to 6 family members (with up to 2 adults).
Apollo Munich Health Insurance health insurance plan cover 60 days pre and 180 days post hospitalization.
expanses.
Co-pay in Apollo Munich Health Insurance is Nil. The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 3 years.
Apollo Munich Health Insurance has 4,000+ network hospitals so on basis of these network hospitals I rank this plan #6.
Apollo Munich Health Insurance incurred claim ratio is 58.20%
(Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website.) for more details and 2016 details you may visit company website here:-http://www.apollomunichinsurance.com/
7. Bajaj Allianz General Insurance:-
Bajaj Allianz General Insurance company top health insurance plan cover Up to 6 family members (2 adults and 4 children).
Bajaj Allianz General Insurance health insurance plan cover 60 days pre and 90 days post hospitalization expanses.
Co-pay in Bajaj Allianz General Insurance is 10% in non-network hospitals. Waived off if 10% loading is paid on premium.
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 4 years.
Bajaj Allianz General Insurance has 3,700+ network hospitals so on basis of these network hospitals I rank this plan #7.
Bajaj Allianz General Insurance incurred claim ratio is 66.52% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.bajajallianz.com/Corp/health-insurance/health-insurance.jsp
8. Max Bupa Health Insurance:-
Max Bupa Health Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children). Max Bupa Health Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses.
Co-pay in Max Bupa Health Insurance is 20% if insured is above 65 years of age.
The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 2 years.
Max Bupa Health Insurance has 3,500+ network hospitals so on basis of these network hospitals I rank this plan #8.
Max Bupa Health Insurance incurred claim ratio is 56.15% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.maxbupa.com/
9. IFFCO Tokio General Insurance:-
IFFCO Tokio General Insurance company top health insurance plan cover Up to 5 family members (up to 2 adults and 3 children)
IFFCO Tokio General Insurance health insurance plan cover 60 days pre and 60 days post hospitalization. expanses.
Co-pay in IFFCO Tokio General Insurance is No co-pay.
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 3 years.
IFFCO Tokio General Insurance has 3,000+ network hospitals so on basis of these network hospitals I rank this plan #9.
IFFCO Tokio General Insurance incurred claim ratio is 85.79% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-http://www.iffcotokio.co.in/health-insurance
10. L&T General Insurance:-
L&T General Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children).
L&T General Insurance health insurance plan cover 60 days pre and 90 days post hospitalizationexpanses.
Co-pay in L&T General Insurance is 10% if insured person is above 80 years old.
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 3 years.
L&T General Insurance has 2,800+ network hospitals so on basis of these network hospitals I rank this plan #10.
L&T General Insurance incurred claim ratio is 183.40% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-http://www.ltinsurance.com/
11. New India Assurance:-
New India Assurance company top health insurance plan cover Up to 6 family members (2 adult and 4 children).
New India Assurance health insurance plan cover 30 days pre and 60 days post hospitalization. expanses. Co-pay in New India Assurance is 10% on pre-existing medical conditions.
The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 4 years.
New India Assurance has 1,200+ network hospitals so on basis of these network hospitals I rank this plan #11.
New India Assurance incurred claim ratio is 97.24% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-http://www.newindia.co.in/
Finally See this quick comparison between all of popular health insurances in India:-
Insurance provider
Coverage
Pre and post hospitalization expenses cover
Co-pay
Renewability
Pre-existing disease cover
Network hospitals
Star Health and Allied Insurance
Up to 4 family members (2 adults and 2 children).
30 days pre and 60 days post hospitalization
20% for those 61 - 65 years old.
Lifetime
After 4 years
6,000+
Bharti Axa General Insurance
Up to 4 family members (2 adult and 2 children).
30 days pre and 60 days post hospitalization
No co-pay.
Lifetime.
After 4 years
5,000+
Universal Sompo General Insurance
Up to 4 family members (2 adults and 2 children).
60 days pre and 90 days post hospitalization.
20% if insured person is over 55 years old.
Renewable up to 70 years of age.
After 3 years
5,000+
HDFC ERGO General Insurance
Up to 4 family members (2 adult and 2 children).
60 days pre and 90 days post hospitalization.
No co-pay.
Lifetime.
After 4 years
4,800+
Religare Health Insurance
Up to 6 family members (with up to 2 adults).
30 days pre and 60 days post hospitalization
20% on first claim only for those above 61 years of age.
Lifetime
After 4 years
4,500+
Apollo Munich Health Insurance
Up to 6 family members (with up to 2 adults).
60 days pre and 180 days post hospitalization.
No co-pay.
Lifetime
After 3 years
4,000+
Bajaj Allianz General Insurance
Up to 6 family members (2 adults and 4 children).
60 days pre and 90 days post hospitalization.
10% in non-network hospitals. Waived off if 10% loading is paid on premium.
Lifetime.
After 4 years
3,700+
Max Bupa Health Insurance
Up to 4 family members (2 adult and 2 children).
30 days pre and 60 days post hospitalization
20% if insured is above 65 years of age.
Lifetime
After 2 years
3,500+
IFFCO Tokio General Insurance
Up to 5 family members (up to 2 adults and 3 children)
60 days pre and 60 days post hospitalization.
No co-pay.
Lifetime.
After 3 years
3,000+
L&T General Insurance
Up to 4 family members (2 adult and 2 children).
60 days pre and 90 days post hospitalization.
10% if insured person is above 80 years old.
Lifetime.
After 3 years
2,800+
New India Assurance
Up to 6 family members (2 adult and 4 children).
30 days pre and 60 days post hospitalization.
10% on pre-existing medical conditions.
Lifetime
After 4 years
1,200+
Disclaimer:-Information given here is only for educational purpose, Author of this blog is not an insurance adviser so consult your insurance adviser before any final decision, no liability is accepted in any manner, check information data in company or IRDA website.
Now online insurance plans are more popular in India because online policies are cheaper and easy to purchase in compare of offline plans.
Why Online Insurance is Cheaper?:-When you buy your term plan/insurance plan on-line then insurance companies not pay any commission to his agents so they give a direct deduction to his online customer.
Top On-line Insurance Plans in India:- Now we discuss about top online term plans in india
1.LIC Jeevan Akshay VI Plan:- This plan give you immediate pension you can purchase this plan online by paying a single lum sum premium. Hence this plan start immediate pension (annuity) to you so no loan and no surrender value is available under LIC Jeevan Akshay VI Plan. Minimum purchase price is INR 150000 and minimum age of entry is 30 year but I recommended to get a entry at age of 60-65 year and buy minimum INR 250000 plan because in this case you get more annuity due to incentives.
Features:-
Online Incentive
Rebate of 1% by way of increase in the basic annuity rate will be available.
Immediate Annuity
Starts as early as next month.
Single Premium
Pay - Once - Enjoy - Forever
Purchase Limits
Minimum purchase price : Rs.1,50,000/- No maximum limits for purchase price, annuity etc.
Incentive for High Purchase Price
If your purchase price is Rs. 2,50,000/- or more, you will receive higher amount of annuity due to available incentives.
Age Limits
Minimum age at entry: 30 years Maximum age at entry: 85 years Age proof is necessary
Medical
No medical examination is required.
Annuity Options
Seven options of annuity to choose from.
Annuity Mode
Annuity may be paid either at monthly, quarterly, half yearly or yearly intervals. You may opt any mode of payment of Annuity.
You may choose any one from the below mentioned annuity options
(i).
Annuity payable for life at a uniform rate.
(ii).
Annuity payable for 5, 10, 15 or 20 years certain and thereafter as long as the annuitant is alive.
(iii).
Annuity for life with return of purchase price on death of the annuitant.
(iv).
Annuity payable for life increasing at a simple rate of 3% p.a.
(v).
Annuity for life with a provision of 50% of the annuity payable to spouse during his/her lifetime on death of the annuitant.
(vi).
Annuity for life with a provision of 100% of the annuity payable to spouse during his/her lifetime on death of the annuitant.
(vii).
Annuity for life with a provision of 100% of the annuity payable to spouse during his/ her life time on death of annuitant. The purchase price will be returned on the death of last survivor.
I give you direct link for more details of this plan :-
2.HDFC Life Click2Invest - this is a ULIP plan this ULIP is an online Unit Linked Plan that offers you market linked returns.
HDFC Life Click2Invest - ULIP has Zero charge structure. HDFC Life Click2Invest - ULIP provide 8 fund options to choose from as per your investment style
This is a conmen question that "Can I take two insurance policies and get claims under both of them?
My simple answer for this question is Yes ( in case of Personal accident policy)
actually insurance policies are 2 type
1. Indemnity cover:- This type of policy cover only actual loss, Auto insurance is an example of indemnity insurance cover, suppose you get 4 indemnity cover on your motorcycle which insured cost is INR 35000 and you lost your motorcycle in an accident then what happen " can you get INR 35000 from each of insurance company? means total 35000*4= INR 1,40,000 ( and buy a used car)
Answer of above situation is no and it is illegal to buy multiple indemnity cover without inform insurance company.
So where you seek actual loss and you have multiple policies which total sum assured is over your actual loss then loss shall be shared by all companies ( which policies you hold).
2. Personal accident policy:-These policies not depend on actual loss, where a fixed compensation paid and no matter what the actual loss are then you may buy more then one policy and claim all of them in case of any unforeseen event. your nominee will get all of sum assured.
For example:- You may buy these policies together
LIC Jeevan Saraal
Aegon Relicare term insurance
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
etc.
