What Is the Process of Setting Up a Trust Fund?

Some people consider trust funds to be tools for only wealthy people to pass their assets to their children and free them from earning a living. Yet, trust funds can be different in purpose and complexity, and some of them can be meant for retirement funds, charities, or public works. 

You may create a trust fund for various purposes such as business, charitable, or personal goals if you want to provide future monetary assistance for your children and grandchildren. Keep on reading to learn how to set up a trust fund.

The Definition of a Trust Fund

What is a trust fund? This is a legally binding account the purpose of which is to place your funds and valuable assets into a trust. Some people consider the terms “trust fund” and “trust” the same but they have different technical meanings. A “trust fund” means the property and assets provided by the grantor to the trustee.

The word “trust” may mean only monetary assets, but in reality, it can be any financial assets including patents, art, real estate, and copyrights. The term “trust” means the legal arrangement of transferring property from a grantor to a trustee for particular purposes. The fiduciary responsibility to manage and hold the property according to the directions specified in the agreement is conducted by the trustee.

A trust works similarly to a will. Both documents demonstrate how the person wants their affairs to be managed after they pass away. It may take longer to complete a will in comparison with a trust. Historically, trusts have been utilized by rich people to pass along their valuable assets to their heirs. However, anybody can have trust today as long as they know how to set it up.

This way, your children and even grandchildren won’t need to turn to unsecured loans for bad credit if they need extra funds as they will have your assets.

How Does a Trust Work?

The key components of a trust are:

• Grantor: this person is the one who sets up the trust to include their money, assets, and belongings. A grantor can also be called a trustor.
• Grantee: This person is the beneficiary of the trust. When the trustor or the grantor passes away, their distributions are obtained by the grantee.
• Trustee: this is the institution or the individual who owns the trust.

The official website of the Social Security Administration, states that there are two separate Social Security trust funds, the Old-Age and Survivors Insurance (OASI) Trust Fund pays survivors and retirement benefits, and the Disability Insurance (DI) Trust Fund pays disability benefits. Social Security taxes and other types of income are deposited in these accounts so that Social Security benefits can be paid from them. An agreement is signed up to explain how a trust account will use your assets after you pass away. The trust account is managed by the trustee on behalf of the grantor.

Estate Planning and Trusts for Children

You can plan your children’s monetary needs with the help of a trust. Not only wealthy families set up trusts. If you are thinking about this option, you may want to investigate additional decisions and alternatives for the same needs. 

Parents set at $12.06 million in 2022 if their total estate values exceed the values that will exceed the estate tax threshold. This number will increase to $12.92 in 2023. Every parent and grandparent may create a gift of up to the exemption limit yearly per recipient without having to incur gift tax due to the fact that the gift tax exemption was set at $16,000 for this year.

If your gift is more expensive, the excess will be taxable. Households with spare assets can benefit from trusts if they aim to limit the value of their assets and lower a high tax rate on annual taxable income. The beneficiary will receive any appreciation in the transferred asset.

How Can You Set Up a Trust?

If you are a grantor and want to set up a trust, you should consult with an estate planning lawyer. This specialist will help you find the most suitable trust. After that, the grantor should create a list of the assets and the beneficiaries of every asset that will be mentioned in the trust. The assets can be different so not only wealthy families can set up a trust.

You may mention even a piece of jewelry in the list and state its beneficiary, or you may want to mention a house or a car as well. Even bank accounts can be included in the trust. Every grantor has a chance to define what will be included in the trust and what assets will pass along to beneficiaries. The image of Benefits, Contributions and Trust Fund Reserves shows how these payments differed from 1938 to 2021. The tax rate decreased in 2020, while benefits paid went up to 1.90 percent of total wages.

 

When the papers are finalized, they should be signed by a notary. The lawyer will file your deed of trust if it is demanded by the state you reside in. A trust fund account will be opened in the name of the trust. Then, your valuable assets will be transferred into this trust. All the assets including property, real estate, jewelry, or bank accounts need to go into the trust if they were mentioned in the trust document. Finally, the trust will be registered with the Internal Revenue Service (IRS). A tax ID number will be issued to it as this number will be needed to file tax returns later.

The Bottom Line

If you want to designate your valuable assets for certain purposes, trusts may be very useful arrangements for that. You need to evaluate the pros and cons of this decision before you opt for it. Sometimes, alternative options may be cheaper and more efficient. Estate planning should be considered by every person no matter where he or she is in their life. Setting up a trust is a significant step that offers your beneficiaries a definite outline of your aims. Take some time and do your research to get a reliable estate lawyer who will walk you through this process.

The auction and professions have undergone many changes over the past couple of years, due to which not everyone can integrate into the new economic reality. This is especially true for professions in Dragonflight: if you miss the stage of accumulating knowledge points, then it will not be easy to keep up and compete with other players. Therefore, today we will talk about alternative markets, the entry threshold for which is much lower.

Boosting services

The easiest way to develop an account and buy gold profitably is to contact boosting companies. There, professional players provide such a service as wow boost. This can be leveling, completing dungeons and raids, coaching, and, of course, purchasing in-game currency. This significantly saves the player’s time, as well as the effort spent on completing uninteresting or difficult content. The service is safe if the player uses trusted and respectable companies that guarantee high-quality service delivery.

 

Engineering

There are different tips for engineering in WoW. Recommendations for earning money in engineering tend to focus on mounts such as the Engineer Chopper, however, today we will look at something simpler, namely the Large Iron Bomb and the Normal Scope. The beauty of these items is that, firstly, they are very cheap to make, and secondly, they sell extremely quickly. On the one hand, classical engineering is one of the most expensive professions to level up, on the other hand, to learn both of the mentioned recipes, you only need to develop the profession to 190. At the moment, the cost of the scope is about 20 gold, while the price of the finished product is ~ 45 gold. Thus, each scope sold pays off twice. 20 gold – the profit is not too big, however, as already mentioned, the costs are also minimal, which is perfect for beginner players.

 

Rare tailoring fabrics

Rare fabrics with a cooldown time are available in many add-ons, however, now we will talk about materials from the Burning Crusade, namely Spellcloth and Primordial Mooncloth. Both fabrics are just reagents used in a variety of recipes, such as making transmogrification equipment. To learn both recipes, you only need to level up Outland Tailoring to 50. For this, about 100 Voidcloth will be enough. Upon achieving the required skill, both recipes can be purchased in the Lower City in Shattrath City, or old Dalaran. It’s worth mentioning the usual Mooncloth from classical tailoring. To learn the recipe for its manufacture, you need to upgrade your profession to 250. Since classic fabrics are quite cheap, the upgrade process should not be too expensive. Having reached this mark, go to Winter Springs, where a merchant named Kiya sells the recipe itself. Mooncloth itself is also not always profitable since prices sometimes fluctuate quite wildly.

 

Production of equipment for transmog

This paragraph will not discuss any specific profession in the updated profession system, but rather a market segment. Moreover, if you are completely new to the game, then this niche is unlikely to be the most successful for you. But if you are a player who has returned after a break, you can enter the market quite easily. Even though it’s been over a year since the end of Shadowlands, not all players are aware that Shadowlands legendary item templates are now available for transmog, without the need to complete the creation of the legendary item. Thus, if you have a crafting profession that can create blanks for legendary items, you can make money from them, since these armor sets look quite attractive for collectors. Suppose you have already leveled up the Shadowlands professions. In that case, you can immediately start production, but if you haven’t played in this add-on, then in addition to leveling up the profession itself, you will also have to complete some introductory tasks.

 

Bags

When it comes to bag production, players tend to focus on producing bags from the current expansion. Indeed, from the point of view of a spherical buyer in a vacuum, the Dragonflight Elemental Fabric Bag is the most profitable, because it contains 32 cells and costs only a few tens of gold. Given these initial data, seemingly less profitable bags from past expansions should not be sold, yet players continue buying them. This is true, for example, for the Netherweave Bag. This bag has been an effective budget option for a long time, and many players, when creating an alternative character, bought these particular bags for him, keeping in mind something like the following motivation: “Yes, the bag is not the most spacious, but it is quite cheap, and my new character does not need a huge inventory”. Therefore, many players continue to buy these bags for their new characters simply out of habit. Even though modern bags are much more profitable. Some players might have been playing Cataclysm for a long time, and for them, the default bag is the Coal Silk Bag, so when they return to the game, they can buy them out of habit, without even trying to figure out which modern bags are more profitable.

 

There are a lot of ways to earn gold in World of Warcraft Dragonflight, and they are limited only by your imagination and the mechanics of the game. There are simpler ones, like buying in-game gold, and there are more complex ones, like trading various items. The choice of earning money is huge, and which path to take in the vast world of WoW is up to you.

Michigan, often called the “Great Lakes State,” is known for its diverse landscapes, encompassing vast freshwater lakes, dense forests, and vibrant urban centers. With a rich cultural heritage and a strong sense of community, Michigan offers a unique backdrop for those seeking to gracefully embrace innovative approaches to aging, such as Bioidentical Hormone Replacement Therapy. In the quest for longevity and graceful aging, individuals increasingly turn to an unconventional yet promising Bioidentical Hormone Replacement Therapy Michigan. This article will explore this innovative perspective on aging and longevity without relying on traditional subheadings, providing a fresh outlook on this transformative therapy.

Understanding the Unconventional

Bioidentical Hormone Replacement Therapy (BHRT) stands as a beacon of hope for those who seek an unconventional approach to aging gracefully in Michigan. In a world where aging has often been associated with a natural decline in hormone levels, BHRT challenges this status quo. It introduces a paradigm shift by offering an unconventional yet effective way to combat the effects of aging.

BHRT’s uniqueness lies in its use of bioidentical hormones, which are molecules that closely mimic the hormones naturally produced by the human body. These hormones are made from plant sources and are customized to match an individual’s specific hormonal needs. They are considered safer and more effective than synthetic hormones, which are associated with health risks.

As Michiganders embrace BHRT, they are embracing an approach that goes beyond accepting the inevitabilities of aging. Instead, they are choosing to take control of their health and well-being, actively rewriting their aging narratives. With BHRT, aging is no longer synonymous with decline; it becomes a unique opportunity for rejuvenation and growth.

Reshaping the Aging Narrative

The narrative surrounding aging is undergoing a profound transformation in Michigan. BHRT is pivotal in reshaping this narrative by offering a pathway to rejuvenation and vitality. Rather than viewing aging as a process of decline, individuals embracing BHRT see it as a chance to thrive.

BHRT empowers individuals to embrace the aging process with optimism and enthusiasm. By addressing the root causes of aging-related issues, such as hormonal imbalances, BHRT enables people to regain lost vitality. It fosters a mindset that aging can be a journey characterized by ongoing growth and an enhanced quality of life.

A Personalized Journey

One of the most intriguing aspects of BHRT is its deeply personalized nature. Each individual’s hormonal makeup is unique, and BHRT acknowledges this diversity. Traditional approaches to hormone therapy often offer standardized treatments, but BHRT takes a different approach.

When undergoing BHRT in Michigan, individuals receive treatment plans tailored to their specific hormonal needs. Healthcare providers conduct thorough assessments, including blood tests and clinical evaluations, to determine the individual’s hormonal profile. This data forms the basis for a customized treatment plan, ensuring the therapy is precisely aligned with the person’s body.

This personalized approach not only enhances the effectiveness of BHRT but also minimizes potential side effects. It reflects a commitment to optimizing each individual’s well-being and achieving the best possible results from the therapy.

Beyond Symptom Relief

It’s crucial to emphasize that Bioidentical Hormone Replacement Therapy in Michigan goes beyond merely alleviating specific symptoms. While addressing symptoms like fatigue, mood swings, and reduced libido is undoubtedly important, BHRT offers a more profound benefit – it promotes overall wellness.

Many conventional approaches to aging focus on treating isolated symptoms. For example, anti-aging creams may target wrinkles, while mood-enhancing medications may address emotional well-being. BHRT, however, takes a holistic view of aging. It recognizes that these symptoms are often interconnected and that the body functions as a complex system.

When individuals in Michigan embark on a BHRT journey, they often experience improvements in their health. Their energy levels increase, cognitive function improves, and emotional stability is restored. This comprehensive approach to wellness is a hallmark of BHRT.

This holistic transformation is due to BHRT’s fundamental principle of restoring hormonal balance. Hormones play a pivotal role in regulating various bodily functions. When hormone levels are optimized, it has a cascading effect on overall well-being. This means that individuals who undergo BHRT don’t just feel better; they experience a profound shift in their overall health.

Conclusion: 

In summary, Bioidentical Hormone Replacement Therapy (BHRT) presents a unique perspective on longevity and aging gracefully in Michigan. Individuals are reshaping their aging narratives by challenging traditional norms and embracing the unconventional. Through deeply personalized treatments beyond surface aesthetics, BHRT champions wellness and represents a paradigm shift in how we view aging.

If you’re intrigued by this alternative approach to aging, consider exploring BHRT in Michigan. Consult with a medical care provider specializing in BHRT to embark on a personalized journey toward a more vibrant and fulfilling life as you age. BHRT offers a different perspective on aging – prioritizing well-being, vitality, and the limitless potential of graceful aging.

 

In the exciting world of gambling, where risks are big and uncertainty makes your heart beat faster, winning is like an art. You need to have good skills, a plan, and also a little bit of luck. The idea that you can make a small amount of money grow into something much bigger is very tempting. People who learn the tricks to win at gambling often end up with success. So, come with us as we explore the intricacies of this exciting world and discover the tactics that make some people winners while others losers.

 

• 1. Bankroll Management

Think of a good sailor who is steering through changing waters — this is like how a winner at gambling takes care of their money. Managing money well is the most important thing you need for doing well in gambling. People who frequently gamble are very careful with their money. They make sure that they do not bet too much on one instance, so it does not lead to big problems for them. They put boundaries on how much to spend and stick to rules, keeping their money safe for other chances later on.

 

Chris Ferguson, who is very famous for playing poker, shows us a very good way to manage money. He made $1 into $20,000 because he played with much discipline. This teaches that if you use your money smartly in strategy, it will help you to do well for many times longer.

 

• 2. The Psychology of Risk

Winning in gambling is not only about doing math, it’s also knowing how people think and feel when they take risks. Controlling your feelings is what makes the difference between the best players and those who are just starting out. Keeping calm when there’s pressure, understanding what other players might be thinking, and deciding if you should stop or risk more is like an art. You can get better at it by playing a lot.

 

“Monty Hall Problem” is a well-known example showing how people think about risk. People who have to make a decision often can’t make up their minds on whether to trust what probability says and what their gut feeling tells them. People good at gambling understand how to balance gut feelings with statistics so they can choose wisely.

 

• 3. Skill-Based Games

Though fortune plays a part in betting games, those with skills have an advantage in specific ones if they put effort and time to learn well. In games such as poker, blackjack, or sports bets, there is space for making smart choices which can help the skillful players to sometimes win more often.

 

The group from MIT known for blackjack, which we got to know through the book “Bringing Down the House,” used their strong math skills and worked together well to get better at winning in blackjack. This shows us that using your abilities can really win against luck.

 

• 4. The Role of Research

In this time of the internet, information is a powerful tool for gamblers. Successful betters spend many hours studying teams, the players and probabilities. When you understand sports numbers or learn about other poker players, the information works like a smart weapon.

 

For instance, in horse races, people who win bets usually look a lot at how the track is, what the rider has done before and how the horses have been running lately. They do this deep analysis to have a better understanding of where to put their money for winning big.

 

• 5. Adaptability: Shifting Strategies to Achieve Success

The betting world is always changing; what works today might not work tomorrow. People who win at gambling know how to change their plan when things are different. If you can change your way of playing at a poker table or how you bet on sports, being able to adapt is what makes someone really good at gambling.

 

Make large bets, win even larger — this saying of successful people who gamble speaks to them because they know gambling is not just about luck. It involves careful skill, planning and a feeling inside you can trust. When you learn how to manage your money, keep up-to-date and adapt when needed, you can handle the exciting gambling life with sureness. When dice are thrown or cards given out, people who know these secrets usually win more often than not. So, are you ready to dive into the gambling universe with this new knowledge and confidence?

In today’s fast-paced, digital-centric world, businesses of every size are leveraging technology to streamline operations, reduce errors, and increase productivity. One area witnessing immense digital transformation is invoicing. 

The traditional manual invoicing is being rapidly replaced by invoicing apps, with small businesses leading the charge. 

This article delves into the benefits of transitioning to a digital invoicing system and how it can revolutionize the way small businesses manage their finances. 

What is an Invoicing App?

An invoicing app is a software tool that allows businesses to create and send electronic invoices to their customers. The app automates the invoicing process, making it faster, more accurate, and more efficient compared to the traditional paper-based method. 

Invoicing apps also offer additional features such as tracking expenses, managing inventory, and generating financial reports. 

Some advanced invoicing apps even integrate with accounting software, making it easier for businesses to manage their entire financial system in one place. 

What Features Should You Look for in an Invoicing App?

When choosing an invoicing app for your small business, there are several key features to consider. These include: 

• Customization: The ability to customize invoices with your business logo, color scheme, and branding elements adds a professional touch to your invoices.

• Automation: The app should automate tasks such as invoice creation, recurring invoices, and payment reminders to save you time and avoid human errors.

• Payment Options: Look for apps that offer multiple payment options such as credit cards, bank transfers, and online payment platforms like PayPal or Stripe. This makes it easier for your customers to pay you, increasing the chances of timely payments.

• Expense Tracking: An invoicing app that also allows you to track expenses can help you keep an eye on your business’s financial health and make better budgeting decisions.

• Reports: Generating reports such as profit and loss statements, balance sheets, and tax summaries can give you insights into your business’s finances and aid in making strategic decisions.

• Customer Management: Some invoicing apps come with customer management features that allow you to store customer details, track their payment history, and send personalized invoices.

• Mobile Accessibility: If you’re always on the go, look for an invoicing app that has a mobile version or is accessible on multiple devices. This allows you to manage your invoices and track payments from anywhere.

• Integrations: As mentioned earlier, some invoicing apps can integrate with other software and apps that you may already be using for your business. This can save you time and streamline your workflow.

Benefits of Using an Invoicing App in Small Businesses

There are numerous benefits of transitioning to a digital invoicing system, especially for small businesses. Let’s take a look at some of them:

Save time and money

Manual invoicing is a time-consuming process that involves printing, mailing, and manually tracking payment status. 

With an invoicing app, all these tasks are automated, saving businesses valuable time and resources. 

Moreover, using electronic invoices eliminates the need for paper and postage costs, resulting in significant cost savings for small businesses.

Seamless Integration with Accounting Software

Many invoicing apps can integrate or a part of management software, making the invoicing process even more seamless. 

When choosing the right small business management software, it’s essential to consider the invoicing features and how well they integrate with your accounting software. 

This integration eliminates manual data entry and reduces the risk of errors, saving businesses time and resources.

Enhanced Efficiency

Invoicing apps streamline the entire invoicing process, from creating and sending invoices to tracking payments. 

This not only speeds up the payment cycle but also reduces errors and improves accuracy. 

With all financial information stored in one place, businesses can easily access and manage their finances, thereby increasing efficiency.

Improved Cash Flow

Late payments can significantly hamper a business’s cash flow. 

Invoicing apps allow businesses to set up automatic reminders for overdue payments, reducing the chances of late payments and improving cash flow.

Better Customer Experience

Electronic invoicing offers a more convenient and hassle-free experience for customers. 

They no longer have to wait for paper invoices to arrive in the mail or deal with the hassle of writing and mailing checks. 

With online payment options, customers can easily pay their invoices with just a few clicks, improving their overall experience with the business.

Real-Time Insights

Invoicing apps provide real-time visibility into a business’s financial status. 

Business owners can track payments, monitor expenses, and generate reports to gain valuable insights into their financial health. 

This allows them to make informed decisions and adjust their business strategies accordingly.

Manual Invoicing vs. Invoicing Apps

• Manual invoicing requires significant time and effort, involving tasks such as creating invoices, printing and mailing them, tracking payments, and manually updating records. 

• Invoicing apps streamline the process by automating these tasks, saving businesses time and resources.

• Human errors are common in manual invoicing, leading to incorrect billing and delayed payments. 

• Invoicing apps reduce the risk of errors by automatically generating accurate invoices and tracking payments in real time.

• With manual invoicing, businesses have limited control over their cash flow as they are dependent on customers to make timely payments. 

• Invoicing apps empower businesses with features such as automatic payment reminders, online payment options, and real-time insights, improving their cash flow management capabilities. 

• Invoicing apps also provide a centralized platform for businesses to manage all their invoicing and payment processes, reducing the risk of lost or misplaced invoices.

Conclusion

This article reviewed the benefits of using invoicing apps for small businesses. Invoicing apps automate and streamline the invoicing process, reducing manual effort and saving time and resources. 

They also provide real-time insights into a business’s financial status, allowing owners to make informed decisions for their business. Compared to manual invoicing, invoicing apps offer more control over cash flow management and reduce the risk of errors and lost invoices. 

Overall, using an invoicing app can greatly benefit small businesses by improving efficiency, accuracy, and cash flow management. It is a worthwhile investment for any business looking to streamline their invoicing process. 

In the digital age, online dating has become an increasingly popular way to meet potential partners. It offers a convenient and accessible platform for people of all ages to connect with others, expand their social circles, and potentially find love. However, just like in traditional dating, there are certain dos and don’ts that can significantly impact your online dating success. In this blog post, we’ll delve into expert advice on online dating to help you navigate this virtual world of romance.

The Dos of Online Dating

1. Be Honest About Yourself

One of the most crucial aspects of online dating is being honest about yourself. It’s essential to create an authentic profile that accurately represents who you are. Use recent photos and provide accurate information about your interests, hobbies, and what you’re looking for in a partner. Honesty is the foundation of any successful relationship, and it starts right from the beginning with your online dating profile.

2. Choose the Right Dating Platform

Not all dating apps or websites are created equal. Different platforms cater to different demographics and relationship goals. Before you dive in, take the time to research and choose a platform that aligns with your preferences. Whether you’re looking for a long-term commitment, casual dating, or something in between, with hot russian mail order brides, there’s a platform out there for you.

3. Take Your Time

Online dating can be exciting, but it’s essential to take your time when getting to know someone. Don’t rush into things too quickly. Take the time to exchange messages, have phone or video calls, and get to know the person before meeting in person. Rushing into a physical meeting without a proper connection can lead to disappointment or even safety concerns.

4. Keep Safety in Mind

Online safety should be a top priority when dating online. Always protect your personal information, such as your home address, phone number, or financial details. Arrange to meet in public places for your first few dates, and let a trusted friend or family member know about your plans. Trust your instincts, and if something feels off, don’t hesitate to end the conversation or the date.

5. Be Open-Minded

Online dating opens up a world of possibilities, and you may encounter people from diverse backgrounds and with different perspectives. To increase your chances of finding the right match, be open-minded and willing to explore connections with people who may not fit your initial “ideal” criteria. You might be pleasantly surprised by the connections you make when you step outside your comfort zone.

6. Communicate Clearly

Effective communication is key in online dating. Be clear and direct about your intentions and what you’re looking for in a relationship. This will help you and your potential partner avoid misunderstandings and ensure you’re on the same page from the start.

The Don’ts of Online Dating

1. Don’t Misrepresent Yourself

Just as honesty is a crucial dos, misrepresentation is a significant don’t in online dating. Avoid using old or heavily edited photos that don’t reflect your current appearance, and don’t lie about your age, job, or other important details. Trust is vital in any relationship, and starting with a lie can quickly lead to disappointment and mistrust.

2. Don’t Get Discouraged Easily

Online dating can sometimes be challenging, and you may encounter rejection or ghosting. It’s important not to get discouraged easily. Rejection is a natural part of dating, whether online or offline, and it doesn’t reflect your worth as a person. Keep a positive attitude, and remember that the right match is out there; it may just take time to find them.

3. Don’t Ignore Red Flags

If you notice any red flags or warning signs in your interactions with someone online, don’t ignore them. These can include inconsistencies in their stories, pushy behavior, or disrespectful comments. Trust your instincts and prioritize your safety and well-being above all else.

4. Don’t Settle for Less

While it’s essential to be open-minded, it’s equally important not to settle for a relationship that doesn’t meet your basic needs and values. If you find yourself consistently compromising on things that are important to you, it may be a sign that the relationship isn’t the right fit. It’s okay to have standards and boundaries.

5. Don’t Be Too Quick to Judge

On the flip side of not settling is not being too quick to judge. Online dating profiles can only reveal so much about a person, and sometimes a great connection may not be immediately apparent. Give people a chance, and try not to dismiss potential matches based solely on superficial criteria.

Conclusion

Online dating can be a rewarding experience when approached with the right mindset and strategies. By following the dos and don’ts outlined in this article, you can navigate the world of online dating more effectively and increase your chances of finding genuine connections and, ultimately, love. Remember that patience, honesty, and clear communication are key, and always prioritize your safety and well-being throughout your online dating journey. Happy dating!