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Financial Savings

10 Ways To Save Money During The Holidays

In the trail of creating a holiday budget, most people end up overspending and buying products that they don’t usually need other than for a few days. If you think that you might be on the overspending wagon this holiday season, you can practice the 10 tips below to become a money-saver.

Saving money is undoubtedly one of the best personality traits of the most successful people. Besides, there’s no better way to enjoy your holidays than knowing that you spent less without missing out on the festivities.

1.    Track Spending through Cash

On a card spending spree, it’s hard to know that you have overspent until you receive the bill. Running to the ATM and then back to the mall will ensure that you’re mindful of how much you’re spending.

2.    Double-Check Shopping Checklist

Done with the shopping checklist? Double-check it attentively and think about the things you’ve listed down. Do you really need them all?

3.    Plan for the Holiday in Advance

Don’t forget the power of budgeting because that’s how you can set a monitoring framework to know how much you should spend to save a certain amount.

4.    Try Home-Food and Less Treats

Holiday seasons bring a joyous mood. So much so that you forget to track how often you’re treating yourself. Avoid going for “lunch-outs” so you can save more money.

5.    Go for Homemade Presents and Gifts

Showing up on a party with the most expensive gifts is amazing. However, bringing a homemade cake that you put effort and time into shows the same if not more gratitude.

6.    Use Real-Time Spending Trackers

Don’t worry if you’re not well-versed in monitoring financial spending because there’s a sea of applications that can let you know when you’re about to go overboard with your spending.

7.    Shop in Advance for Discounts

During off-peak seasons such as months before holidays and festivals, companies sell products and gift-like items at lower prices. Plan to shop accordingly and benefit from discounts.

8.    Go for Bulk-Shopping

If you really have a long list of household and holiday essentials, the best course of action is to visit cheaper stores. While you may get more than you need, you will also save money in the long run, especially when it’s toiletries and cooking ingredients.

9.    Avoid Sending Physical Post-Cards

You can send e-cards and e-postcards to friends and family, especially if you’re out of the country or city. Electronic messages show the same gratitude but are cheaper financially.

10.  Plan on Gifting Cookies

Christmas and New Year’s Eve have always encompassed cookie gifts, so cut back on the expensive gifts if you’re on a tight budget because cookies can make the neighbors smile just as much.

Conclusion

Don’t underestimate the power of saving loose change regularly because a dewdrop is what creates an ocean, as most successful people have believed. In addition, if you think that you’ll miss out on a special occasion or festivities due to a low budget, try going for alternatives to keep the excitement and fun constant. In other words, aim for the long-term!

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Health & Home Recreation & Leisure

9 Stylish Holiday Outfits Under $100

There are plenty of options to help you look your best this holiday season. But if you’re looking to avoid overspending on holiday outfits, this post can help you put together cheaper outfits that will look great during the upcoming winter holidays. Here’s how you can make jaws drop in under $100! These outfits are among the most enthusiastic and appealing clothing combinations.

1.    Cable-Knit Top & Bottom with Slippers

Nothing beats the comfort of walking around in your favorite soft and plush slippers along with cable-knit trousers/pants. While that’s one heck of a comfy combo, you can improve the look by opting for a cable-knit sweater that showcases texture and outlines a bold white color.

2.    Single-Shoulder Dress

If you really want to make jaws drop at this year’s holiday parties and celebrations without spending too much, you’re looking at the perfect option for yourself. Combining earrings and rings with the bold red single-shoulder dress will give you desired fantastic look.

3.    Sequined Dress-Up with Festive Holiday Purse

Do you want to make a statement through your holiday get-up? Try out a sequined maxi dress with a festive purse hanging around your shoulder.

4.    Pleated-Dress with Tights

There’s always a dress that you can wear to many types of parties, events, and occasions. For one, you’re looking at the best combo to take with you on different occasions including holidays. Wear a pleated dress with tights and your favorite shoes to make everyone a great impression.

5.    Split-Hem Jeans and Festive Holiday Blouse

Don’t worry if you don’t have a bigger budget for holiday dressing. Dress yourself in split-hem jeans and a festive blouse that’s no less than a sweater for a warm experience. A padded headband can do the trick for under $100!

6.    Sweater and Pants with Jewelry

Try a red full-sleeved sweater with satin pants or trousers for the holiday season to wow the crowd. With pearl earrings and a classy ring set, you will stand out from the rest.

7.    Split-Hem with Loafers

Try out a pair of black-split hem pants with bold loafers that are a remarkable statement for simplicity. Taking on a bold-colored blouse in green, yellow, or red will complete your amazing get-up for under $100!

8.    Flared Trousers and Plaid Sweater

You can’t deny the appeal and definitive look of a plaid sweater. However, combine it with a pair of flared trousers, and you’ll get plenty of compliments. Add a pearl headband if for an appealing get-up this holiday season.

9.    Cable-Knit Sweater Dress and Tights

Want to stay casual without compromising on style this holiday season? The perfect outfit for that is a white cable-knit sweater-like dress to combine with black tights and attractive bow earrings.

Conclusion

Are you ready to rock holiday parties and festivities? The 9 outfits above are among the most loved and desired options to dress within a budget for the upcoming winter holidays. Try out the ones you like to see how they suit you and your personality.

Categories
Health & Home Recreation & Leisure

The Best Places to Buy Christmas Decorations

Christmas is that one holiday that demands a lot of preparation, which explains why Christmas preparations can begin months prior. After all, there is always a lot of cleaning and decorating to do. While the festive cheer that Christmas brings can’t be ignored, preparing for it can often be quite stressful, and the shopping part can just add to the stress and anxiety. Christmas means that you’ll have loads of shopping to do, whether you want to replace old stuff, get holiday presents, or find the best Christmas-themed décor items.

When you talk about Christmas decorations, the first thing that comes to mind is the tree. However, a Christmas tree is not the only thing you have to put out and decorate. Most people like to decorate their entire houses, including porches and backyards. But even when the Holiday is so close, it can be hard to get your hands on the best Christmas decorations. To help you out, we have compiled a list of places you can visit to help you out.

Anthropologie

The home décor and holiday decorations that Anthropologie brings are always chic, artsy, and at times, very unique as well. They have a lot of variety and options to choose from. However, their elevated holiday collection is often limited, so you might need to hurry up. With Anthropologie, you can get ditch your regular tree and get a pre-lit mushroom.

Or, if you want an out-of-the-ordinary stocking, you may like the bright stockings at Anthro or the ones that come with tassels. They also have an incredible festive-smelling selection of candles that you can get to the light at your holiday dinners. Moreover, they have all the other décor must-haves like throw pillows, ornaments, and chic figurines.

Pottery Barn

Pottery Barn is the go-to for many homeowners as it comes with plenty of décor inspiration each time. If you are looking to expand your collection of Christmas decorations, this must be your go-to place. You will find that Pottery Barn has almost everything that a person might be looking for, ranging from advent calendars to festive-themed pillows.

Not to forget, it is also the best place to head out to if you wish to turn your home into a winter-themed space. Pottery Barn has some really attractive stocking holders and an impressive assortment of stockings and tree skirts that everyone loves. What’s better? They have an entire collection of holiday gnomes for people passionate about them.

Target

This may be your easiest option, for when you don’t want to spend a lot of time and energy on the decorations. This is especially helpful when you have a holiday party at home and less time to set up the space. Target has come up with a shoppable rooms tool through which you can click on a décor piece on a farmhouse living room, and it will be added to your cart. What’s great about Target is that it is just a drive or walk away for many.

Moreover, it has an entire Christmas section that you can browse through. It allows you to see through all of their Christmas-related items like wreaths, lights, and stockings, etc.

Categories
Career Career & Education

Got Stood Up in a Job Interview? Here are 3 Lessons

Getting stood up should be no big deal. People get stood up at dates, friend meet-ups, and even awards. A lot of people also get stood up in their final job interviews. While it is not at all uncommon and completely okay, we should try our best to avoid it.

When you fill out a job application and send in your resume, you feel like you’re the best fit for the job. Most people are very sure that they would get selected and ace the interviews. However, most of these people clear all the steps and get rejected at the very last step: the interview. If you’re someone who got stood up at the final job interview, we’re sure you had a lot to learn from that.

Let’s have a look at what lessons you can learn from getting stood up at a job interview and how you can improve.

Notice the Red Flags

This may sound very cliché as you obviously can’t ignore the red flag of getting stoop up. However, for most people, it is the only red flag that they notice. The truth is, you might be ignoring a lot of other warning signs that are becoming an obstacle in the way of your success.

Oftentimes, we think we are the perfect fit for a certain job position. While it may be true, a lot of people start to blindly believe it. In reality, you may not really think that and might have just convinced yourself to believe it. Being overconfident about getting the job can lead to a massive downfall. There are also a number of other such red flags that become part of our personality.

Get a Control of Whatever You Can

If you get stood up at a final job interview, how would you react? A lot of people freeze in such situations and find it a hard challenge to exit the situation sensibly. People start to panic, send impulsive texts, or even get angry when they are disappointed.

One lesson to learn is that you cannot change the circumstances. It is completely out of your control to reverse things. However, there is still something that you can control. It is the way you react to the circumstance that you’re in. Your response can make a significant difference in what happens next. Try not to let your emotions get the best of you and understand that the job might just not be the one for you.

Look at the Good Side Of The Job Experience

You may have already experienced and know that every experience comes with lessons and a chance for betterment. While you may feel overwhelming emotions about the rejection, the experience may have taught you something valuable that will stay with you your entire life. Look for it, and you will find the value in your experience.

You will realize that when you look at the experience sometime later, it will only bring you gratitude. You might have learned big lessons like not taking the job search process as seriously, or you may have found out that you just dodged a bullet when you lost the opportunity. We think you may have gained more than you lost.

Categories
Health & Home Home Improvement

The Don’ts of Designing Small Spaces By An Expert

Whether it is your first-ever apartment or a tiny hostel dorm, it is important to decorate it so that your small space feels more homely. You may have already tried a few things to make your home feel welcoming, cozy, and beautiful. However, decorating small spaces can be a real challenge as the slightest change in positioning furniture can take up all the available space or free it up for more room. In fact, a lot of things that you think would enhance the ambiance end up doing the opposite.

There are no hard and fast rules to what furniture or décor items you should pick for your personal space. After all, it’s yours, and it’s totally okay if you love how your space feels and looks. However, interior designers have a lot to say when it comes to designing small spaces. And we agree that such tricks make a big difference. Let’s have a look at what you shouldn’t do while decorating your space.

No Dark Colors

Darker hues like navy blue or black surely make for great décor as they add sophistication and personality to a space. However, it is not the best choice when it comes to spaces that are already small and congested. The dark colors can often give the feeling of the walls closing up on you.

You may have already realized that your space looks smaller and congested when you paint the walls or install curtains in dark colors. Therefore, it is better to go for lighter hues and neutral tones to paint your walls and decorate your space with. Such colors can make a small room appear bigger and more spacious. They will also serve to brighten up the area.

No Patterns

Similar to how dark tones can make a space look small, patterns can make it look busy. If your space already has a lot of things sitting in it, it is best not to go for patterned décor. While it can look really stunning and stand out, grabbing a lot of attention, it is not a good option for smaller spaces.

Small spaces generally do not allow room for a lot of décor. And if you add patterned pieces, it can just get worse. Patterns and vibrant colors can give the space a busy feel and overwhelm it.

An easy way to make your space reflect back your personality is to experiment with textures instead of colors and patterns.

Don’t Overlook Light Fixtures In The Small Space

 When it comes to small spaces, interior designers choose décor and designing methods that can make the space appear more spacious and bigger. Adding lighter colors and subtle textures helps with eliminating the feeling of a closed and busy space but is it enough? Using light colors and allowing as much natural light as possible inside your space is good yet insufficient. While you may not feel the need, they can make a big difference in brightening up your space.

Make sure you get your hands on some traditional lamps for the heavy lifting up that will make your home look lighter, brighter, and bigger. Make sure you use all kinds of lighting fixtures you can get.

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Health & Home Recreation & Leisure

Splurge-Worthy Gifts To Add To Wish List

As Christmas inches closer, everyone starts preparing a holiday wish list. And while you can’t get everything on it in one go, it feels good to add more items to it. Of course, some people save up all year to splurge when Christmas sales arrive. Whatever your way of going about your holiday wish-list, we have a few items you may have missed.

We have compiled a list of items that are so good that you will definitely want to splurge on them. Let’s have a look at the items and why you should add them to your list.

1.    Skyline Tote Bag

Who doesn’t love tote bags? They carry a good amount of useful things and are reusable. Nowadays, women love carrying tote bags because of their functionality and design. This skyline tote bag offers plenty of space so you can carry all your stuff in it. In terms of aesthetics, you can also get your favorite city or place on it. It could be your favorite place in the world, a place close to your heart, or just your hometown that you miss.

2.    Turkish Throw Blanket

Holidays are all about the good feelings of warmth and coziness. We doubt there is anyone in the world who doesn’t love lounging with a comfy blanket and watching Christmas movies. These gorgeous Turkish blankets make for a fantastic holiday experience. You can get your pet and snuggle under a Turkish blanket while it’s cold and snowing outside. Not to mention, they also look incredibly gorgeous. Their unique aesthetic means that men and women both love appearance as well as comfort.

3.    Chelsea Boots

From the first day of fall to New Year’s Day, the Holiday season is incomplete if you don’t wear an overcoat and a pair of chic boots. These Chelsea boots make for a great addition to amp any kind of look. If you are in need of something that will elevate all your everyday looks, these are just what you need. They are chic, comfortable and the upper leather is waterproof! Another great thing about these is that they come with shock-absorbing soles.

4.    Watermelon Sleeping Mask

Does it even complete your holiday wish-list if you don’t have a self-care item from Sephora on it? It is always nice to treat yourself with a mask. It can definitely become a heavenly experience when it’s a sleeping mask. We think sleeping masks are great because they keep your skin moisturized, and you wake up feeling amazing. This Glow Recipe Mask is infused with Hyaluronic Acid, AHAs, and watermelon extract, so you enjoy glowing skin every morning.

Wrap-Up

If you love treating yourself and look stylish and chic, you must love all four of the above-mentioned products. Make sure you check out all of them and add them to your holiday wish-list this year.

Categories
Financial Government Grants Loans

Federal Grants, Loans, And Programs for Veterans

Americans have long been appreciative, proud, and protective of their military heroes. They sacrifice so much for the honor and safety of our country and deserve nothing but the best. Thankfully, the federal government provides a wide range of awards and programs tailored specifically for veterans. Veterans in all military branches may rest confident that once their duty to our nation is through, our country will look out for them thanks to a number of federal programs that address a variety of needs, including housing, employment, education, and even medical care.

Federal Programs For Veterans

Hundreds of organizations are available to help our country’s military members even after their tour of service is over. The federal government has made significant progress in ensuring that military men and women have enough chances to attain the American Dream during and after their duty, from educational possibilities to joining the job, home requirements to medical care. Veterans are encouraged to go into the many viable alternatives and take advantage of the loans, grants, and programs offered by the federal government and the American people as a way of saying “Thank you for serving our country.”

The Post-9/11 GI Bill, Montgomery GI Bill-Active Duty (MGIB-AD), Montgomery GI Bill-Selected Reserve (MGIB-SR), Reserve Educational Assistance Program (REAP), Post-Vietnam Era Educational Assistance Program (VEAP), and the VOW to Hire Heroes Veterams Retraining Assistance Program are the six main federal grants that help veterans afford career training or a college education.

Small Business Loans

There are options when it comes to small businesses for veterans as well. The Small Business Administration (SBA) offers small business loans and grants to all Americans, including veterans. You can read more about this at FederalGrants.com: Small Business Grants. It is important to keep in mind that The Veterans Administration does not provide small business grants to veterans.

Housing Grants

The US government offers two grants to assist handicapped veterans in purchasing or modifying a house to fit their health needs. The Specially Adapted Housing Grant helps veterans with certain impairments build. It also helps them to renovate a home so that they may live freely. The Special Housing Adaptation (SHA) Grant is for veterans who want to buy a house that has already been modified to accommodate their handicap, or who want to modify an existing home that they or a family member owns.

Additionally, the government offers vets home mortgage loans with better conditions than those offered by commercial banks. The four programs that deal with this are VA Home Purchase Loans, VA Cash-Out Refinance Loans, Interest Rate Reduction Refinance Loans, and the Native American Direct Loan Program, all of which are offered by the Veterans Benefits Administration.

Health Benefits For Veterans

The US government provides health benefits to all veterans (with the exception of those who have received a dishonorable discharge). The Department of Veterans Affairs provides these healthcare benefits. Hospitalization, outpatient treatment, medical specialist services, dentistry, vision, and preventative care are among the services provided. Healthcare services are offered for free if a medical condition is connected to their service and income limitations are satisfied.

Conclusion

Through these many federal grants, and so many more, veterans will feel respected and taken care of. And they should. These grants are the least an appreciative government and society can give back.

Categories
Career Career & Education

7 Phrases To Stop Saying At Work

If you’ve got an opportunity to work your dream job in this economy, consider yourself lucky! But if you want to make the best impression possible, there are a few words you should avoid saying. When working in a competitive environment, certain words can hinder your performance and confidence. The worst part is that you may not even be aware that you said them. It’s normal to use negative phrases at work, but it’s time to start using alternatives instead. Mentioned below are 7 phrases you need to stop saying at work now!

1. “No Problem”

Using the phrase “no problem” to reply to a “Thank you” is quite common, but it’s something you should stop doing. Whenever someone thanks you for doing a task at work, you just simply say “you’re welcome” instead. When you use this phrase, it will give you a sense of recognition and appreciation.

2. “This might be wrong, but…” Phrase

It’s okay to doubt yourself when given the opportunity to showcase your workplace with a new idea. But, this can turn out to be a great success if you avoid opening your presentation and conversation in general with negative phrases. These negative phrases often involve self-doubt and go like “I’m no expert but…” or “This is probably a bad idea, but…”

When you use such phrases, you steer the audience to see flaws that don’t even exist. Your audience can react positively or negatively, but don’t influence their decision by using phrases to highlight your flaws.

3. “I Feel Like” Phrase

When you’re not sure talking about a certain idea, you tend to use phrases such as “I feel like” as an act of self-protection during anticipated criticism. When you stop using these words, the people you work with will start taking you seriously. Instead of dragging the conversation, cut to the chase, and show them what you really mean.

4. “Just”

There’s no harm in using the word “just” in all your emails, but notice the times you use it in your emails. Using “just” is a very respectful phrase as you’re putting the other person in a position higher than you. You tend to use this phrase when you’re nervous and not sure what to say next. If you want to have the upper hand in decisions, then avoid using the phrase “just”!

5. “How do I…”

If you have to ask your boss a query, phrase it, so you seem like you want to learn. Don’t straight up start with “How do I…”? That just going to make your boss start questioning your capabilities, and that’s the last thing you want.

6. “Let me Know” Phrase

When using the term “let me know,” you’re being considerate towards others’ availability and time, but you’re not actually getting the job done. Think of other questions that provide a distraction, and use a phrase that confirms their availability but in a polite way. Don’t let them leave you hanging.

7. “Does That Make Sense”

After conducting a proper meeting or presentation, you want constant feedback to reassure that you made sense or were clear enough. In a frenzy, you may ask coworkers, “Does that make sense?” Using this phrase suggests you’re preemptively not coherent, and that’s not necessarily true. Feedback and clarity are not necessary for you to succeed, but you should have faith in your capabilities.

Conclusion

Once you stop using these seven phrases at work, you will notice a change of confidence and strength in whatever work you do. Start practicing now So you can communicate at work confidently.

Categories
Career Career & Education

How to Stand Out At a New Remote Job

It is very interesting to get a new remote job. While the opportunity feels exciting and big, it can also bring feelings of confusion and nervousness. It is completely okay to feel nervous in new work settings, especially when it’s a remote job. If you are wondering how to grow and stand out while you’re at it, we have a few ways that will help you. Let’s see what you can do to excel in a remote job.

Tip #1 For Remote Jobs

It is as simple as this: if you avoid introductions, you miss out on opportunities at your job. The main reason behind people avoiding introducing themselves is the rejection of fear. However, it is important to understand that introductions specially make a huge difference in remote job settings. This is because remote or hybrid settings do not allow face-to-face interaction opportunities.

The best way to go about it is to practice and continue to introduce you even in days after the first week. You can just practice your opening lines and let the rest of the introduction flow according to the situation.

Remember to make use of the opportunity to introduce yourself whenever a meeting involves new people. Doing so will increase your chances of building relationships that can support you later.

Tip #2

The most you can do during formal meetings is to give an introduction. While it is good and makes a positive overall difference, they are still not sufficient. It is best that you try to build a connection with each of your colleagues.

For this, you can try to plan informal meetings as you can’t really talk to them outside of the formal setting of your remote job. Not only will such post-meeting interactions help you create relationships, but you will also feel more connected to your job and become more knowledgeable this way.

What’s more? Along with feeling connected and gaining knowledge about your job, you can gain knowledge about other opportunities outside of your job. For instance, you can ask your colleagues about what projects they’re working on and what companies they’re connected with.

Tip #3 For Remote Jobs

This tip is all about keeping your manager updated and briefed on what you’re doing. If you want to excel and be the best employee, ensure that your manager knows how hard you’re working. You can do this at the end of each week by contacting them through email or chat, whatever feels more convenient for the both of you.

What’s most important about this tip is that you remind your manager of how things are going. This will also act as a reminder of all your achievements and improvements as an employee. However, first, ensure that you’re not doing it unexpectedly.

Try to build a connection first and ask for permission to talk about your performance. Chances are, they would like to be on board with how well you’re doing. Also, don’t hesitate to ask questions or seek help.

Conclusion

If you strictly follow the tips, you will surely see a difference in how well you connect, even with a remote job. Not only this, in a matter of just a little time, you will also begin to experience the benefits.

Categories
Health & Home Recreation & Leisure

Binge Watch These Thanksgiving Episodes This Year

It’s true that Thanksgiving looks different for everyone, but everyone has a few thanksgiving routine staples. What are those? Good food, comfortable outfits, partying, and movies/ shows. However, it can be hard to find the best thanksgiving shows or movies. To help you out, we’ve listed some of the best Thanksgiving episodes that you can stream this year.

When it comes to holiday episodes, the most popular ones feature Christmas or Halloween. As a result, a lot of people tend to just watch Christmas movies or shows at thanksgiving dinners to enjoy the festive season. The good news is, many TV shows deserve recognition for the amazing Thanksgiving episodes they have given us. Oh, you’re bored of watching Friends? Let’s have a look at some other binge-worthy thanksgiving episodes.

1.    That 70s Show– Episode 9 of Season 1

The episode is titled ‘Thanksgiving’ and will leave you in awe of how good it is. Moreover, it is noticeable that the episode is part of the very first season. This is great because the first few seasons of ‘That 70s Show’ are special in the sense that the group has just started to grow up and has yet to face the world of grown-up-related problems.

You are going to find this episode very interesting as Laurie creates a weird scenario when she brings her friend Jenny over for thanksgiving dinner. Jenny happens to be really attractive and puts Eric and Donna in a tailspin. What’s more? They all forgot to pick grandma up for dinner!

2.    Fresh Prince of Bel-Air– Episode 11 of Season 1

We agree that the show does not do much for your Thanksgiving but don’t we all love the show? It’s the best thing to make everyone laugh and giggle on cold winter days. Season 1, Episode 11, is titled ‘Talking Turkey’ and is a big one because we get to meet Will’s mom. Isn’t that interesting?

It should be no surprise that once Will’s momma shows up for dinner, it causes quite a scene. While the show is not known for its thanksgiving episode, you will love it. She is frustrated to see the kids not doing anything big to help out during the holidays. As a result, Aunt Viv decides to get all the kids to cook dinner in order to prove that her kids are not spoiled.

3.    New Girl– Episode 8 of Season 2

The eighth episode of the second season of New Girl is titled ‘Parents,’ but how does it make up our list of best Thanksgiving episodes? It’s an incredible holiday episode choice because Jess, who’s awkward enough as it is, has her divorced parents coming over.

What actually happens is that both of Jess’ parents unexpectedly show up for thanksgiving dinner at the same time. While this is funny enough, Jess decides to get them back together only for it not to work out. But in the midst of all this, Nick and Bob sharing theories is the hilarious part.

Conclusion

The above mentioned are our top three thanksgiving episodes apart from ones from ‘Friends’ and other famous TV shows. Anyhow, below is a list of other thanksgiving episodes that are just as good.

  • Gilmore Girls: S3, E9
  • Grey’s Anatomy: S2, E9
  • It’s Always Sunny in Philadelphia: S9, E10