Voluntary retirement

THIS VOLUNTARY RETIREMENT AGREEMENT AND GENERAL RELEASE (the "Agreement") is made and entered into this day of , 2004, by and between TECO TRANSPORT CORPORATION (the "Company"), the principal place of business which is located at 702 North Franklin Street, Tampa, Florida 33602 and JEFF D. RANKIN (the "Officer"), residing at 910 ...

voluntary retirement to its employees; • The requirements an employee must meet to be eligible for an early voluntary retirement; • The documentation of OPM authority to permit early voluntary retirement; • Counseling that should be given the employee before he or she retires. CSRS and FERS Handbook April, 1998Voluntary Retirement Scheme applicable to Central Government Employees – Updated procedure and instructions for VRS 1. Introduction: The Government has extended facility to Government servants to take retirement from service voluntarily with full pensionary benefits before attaining the age of superannuation.More in: Retirement & Financial Planning Report. By: FEDweek Staff. If you are a FERS employee, you can retire on an immediate unreduced annuity with the following minimum combinations of age and ...Voluntary Retirement Plans. The State System offers two additional voluntary options to save and invest extra money for retirement. Whether you are supplementing your group r etirement plan or you are not eligible to enroll in the group retirement plan, the voluntary retirement plans are available to all employees upon their date of hire.UC offers a comprehensive array of retirement benefits, savings programs and educational and counseling resources to help you plan for retirement. UC’s primary retirement benefits provide a strong foundation, with costs shared by you and UC. Voluntary savings programs and retirement planning resources give you the tools to save even more ...1 hour ago · New Delhi: VK Pandian, a 2000-batch IAS officer from the Odisha cadre and the private secretary to Chief Minister Naveen Patnaik, has taken voluntary retirement from service, fueling speculation ... Voluntary Retirement Scheme salaries are taxed in the hands of the employee under the head 'income from salary' under Section 17(3) of the Indian Income Tax Act. Exemptions are available under Section 10(10C) with relief under Section 89. The employee also receives provident fund and gratuity dues accrued until that date. Only …

retirement of allowances budgeted for the Program. Sections 95831(b)(6) and 95870(c) of the Regulation set aside a percentage of allowances that are eligible to be retired for voluntary renewable electricity, and section 95841.1 establishes the Voluntary Renewable Electricity program requirements. 1. These provisions help support voluntaryVoluntary Retirement Scheme and Tax implications. 1. Overview of Voluntary Retirement Scheme. As the name suggests a voluntary retirement scheme is an option given by an organization to its current employees to take early retirement before the actual date of retirement. Unlike a compulsory layoff, this scheme is optional to employees, and ...Optional voluntary life insurance available ; Vision Insurance: Voluntary vision insurance available for employee and family Retirement & Pension: The City contributes 11.63% towards Law Enforcement Pension plan. Employees contribute 5.57%. Full pension and retirement after 20 years of service.1 min. New Delhi [India], October 23 (ANI): The Centre on Monday approved the voluntary retirement of IAS officer VK Pandian, who has been currently serving as private secretary to Odisha Chief Minister Naveen Patnaik. VK Pandian is a 2000-batch Odisha cadre IAS officer. "I am directed to convey the approval of the competent authority for ...The PERA 401(k) and PERA 457 voluntary retirement plans are defined contribution plans, which allow pre-tax contributions that lower your taxable income. With these types of plans, you will save on taxes now and pay taxes only on distributions. PERA 401(k) Plan Information .UW Oshkosh lays off 140 as 76 take voluntary retirement and more positions will go unfilled The moves are expected to save about $14.7M, the university said.By Reg Jones on March 11, 2019 annuity, Disability retirement, MRA. You regular retirement would be based on the following formula: .01 X your high-3 X your years and full months of service. Q. I have a physical problem that may be classified as a disability. I’m 57 with 37 years of federal service, mostly with the U.S. Postal Service except ...Voluntary Retirement Plans Will you be ready for retirement? The amount of money for retirement readiness depends upon your future expenses and goals for retirement. In order to meet those goals, most people will need to save an extra 10-15% annually in addition to any employer and government benefits. These savings are for living expenses such ...

“In reference to letter No.GAD-SER1-PERS-0100-2014 dated 20.10.2023 from Government of Odisha on the above mentioned subject, I am directed to convey the approval of the competent authority for acceptance of voluntary retirement of Shri V Kartikeya Pandian, IAS(OD-2000) under Rule 16(2A) of All India Services (Death-cum- Retirement benefits) Rules, 1958 with waiver of the notice period as ...II, Voluntary Early Retirement Authority (VERA), Outplacement Subsidy, and Voluntary Reduction in Force (VRIF). 2. PROCEDURES. See Enclosure 2 for authorities and Enclosure 3 for guidance and procedures for implementing this Volume. 3. RELEASABILITY. UNLIMITED. This Volume is approved for public release and isApplication for Voluntary Retirement under Rule 37A / (11A) of CCs Pension Rules giving three months notice to the Department. From. Shri/Smt. To. The CGMT MH- ...19 September 2022, 08:12 AM IST. Kochi: The finance department has issued a set of guidelines to state government employees for voluntary retirement from service. The higher officials have been ...“In reference to letter No.GAD-SER1-PERS-0100-2014 dated 20.10.2023 from Government of Odisha on the above mentioned subject, I am directed to convey the approval of the …

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The Bharat Petroleum Voluntary Retirement Scheme - 2020 opened on July 23 and will close on Aug. 13. A senior company official said the VRS has been brought to …What Is Voluntary Retirement? Voluntary retirement is an early retirement incentive that is offered to eligible staff members who meet certain criteria. The incentive is used by HR and management to rightsize an organization. "Companies as diverse as Anheuser-Busch, Best Buy, Harley Davidson and Verizon all have one thing in common.Our branch is responsible for processing Regular Army enlisted retirement and separation actions. Our goal is to ensure that actions are processed in a timely manner and that Soldier's desired retirement dates coincide with mission requirements. Commander, HRC - Fort Knox (AHRC-EPF-M) is the approval authority for SSG (promotable) and above ...3901 Rainbow Blvd. 1044 Delp. Kansas City, KS 66160. 913-588-5080. KU Medical Center-Wichita. Human Resources. 1010 N. Kansas. Wichita, KS 67214. Information about voluntary retirement plans at the University of Kansas Medical Center, including the 403 (b) Voluntary Retirement Plan and the 457 Deferred Compensation Plan.Voluntary retirement is offered only to those employees who have completed 10 years of service or are above 40 years of age. Voluntary Retirement Schemes can be implemented in both the public sector, as well as private sector undertakings. The scheme is also known as the "Golden Handshake".Overview Disability Early Retirement Voluntary Retirement Deferred Retirement Overview OPM works with your Agency's personnel and payroll office to process your annuity claim. Regardless of the type of retirement, there are actions your personnel office must take in order to process your retirement claim.

Human Resources. Benefits. Voluntary Retirement Plans - 403 (b) and 457 (b) In addition to the mandatory retirement plans to which you contribute, you may also choose to participate in the voluntary retirement plans offered by Auburn University. IMPORTANT: Beginning April 1, 2021, Auburn University is offering a post-tax Roth account.The NSW Fire Brigades Retirees Association Incorporated, is a voluntary association which aims to provide members with useful information, keep members advised of upcoming events, send offs, dinners and functions and maintains the comradeship and friendships formed during service with NSW Fire Brigades. Depending on privacy considerations it ...voluntary private pension system? A. Complex and sophisticated retirement investments products B. Lots of rich people who would otherwise spend their money on luxury goods instead of saving for retirement C. Big tax incentives to get people to save D. Employers or labor unions to manage the plans E. Weak or limited public pension systemVoluntary Retirements. Officers submit voluntary retirement requests to SECNAV, via their commanding officer (or ISIC as appropriate) and BUPERS (PERS-8), nine to 12 months prior to desired date (MILPERSMAN 1810-020). If officers wish to retire at their PRDs, retirement requests may be submitted six to nine months prior. If your retirement is not voluntary. If you're retiring because you were laid off or returning to work could endanger your health, consider the following: Know your rights. People over the age of 60 are generally at higher risk for Covid-19 complications, causing many older Americans angst about going back to their physical workplace.2. Volunteering in Retirement? Plan in Advance. Don't just jump into the nonprofit world; start planning in advance - especially if you want to get paid for your good work. "The people who are most successful at making career transitions start three to four years ahead of time," says Hannon, AARP's jobs expert.27 нояб. 2021 г. ... Guwahati: Around thirty nine doctors from different medical colleges in Assam took voluntary retirement and they were relieved after the ...Voluntary retirement and resignation involve voluntary acts on the part of the employee to leave service. Though both involve voluntary acts, they operate differently. One of the basic distinctions is that in case of resignation it can be tendered at any time, but in the case of voluntary retirement, it can only be sought for after rendering ...OSU offers two voluntary retirement savings programs to increase your retirement income through regular, planned investing. Participation is completely voluntary (optional). You can participate in one or both programs, enroll at any time, and make changes at any time during the calendar year. You determine how much to save each month based on a ...

You can contribute as little as $15 per month or as much as 100% of your eligible compensation up to $22,500 (for 2023) in the UTSaver TSA, (Traditional and Roth combined). There are also two catch up provisions: Age 50 Catch up: If you are age 50 or older, you may contribute an additional $7,500. 15 Years of Service Catch up: If you have 15 ...

Table 3.2. Retirement Restrictions and Waivable Conditions (Best Interest of the Air Force or Hardship Not Common To Other Air Force Members). ..... 30 Chapter 4—VOLUNTARY RETIREMENT IN OFFICER OR ENLISTED STATUS 38 4.1.The Centre on Monday approved the voluntary retirement of 2000-batch Odisha cadre IAS officer VK Pandian, who has been currently serving as private secretary to chief minister Naveen Patnaik. The Department of Personnel and Training has sent a communication in this regard to the additional chief secretary of Odisha’s general administration ...The voluntary retirement plans offer you flexibility in how much you contribute. All three plans have no minimum contribution, allowing you to start contributing from day one. If you want to maximize your savings, enrolling in the correct combination of accounts will allow you to do so. Understanding the contribution limits is a start to making ...Noticing that the respondent had accepted that on 15-04-2000 he was not eligible for "voluntary retirement" and therefore he used the word "resignation" to get out of the technical reason, the Bench stated that the respondent had tendered "resignation" for lack of promotional avenues/aspects and it was not a case of "voluntary ...Retirement System (FERS), you are not eligible to make voluntary contributions. You may, however, retain funds on account that you deposited while subject to the CSRS. Amount of Additional Annuity At retirement, each $100 in your voluntary contri­ butions account (including interest earned) will provide an additional annuity of $7 a year, plus 201 min. New Delhi [India], October 23 (ANI): The Centre on Monday approved the voluntary retirement of IAS officer VK Pandian, who has been currently serving as private secretary to Odisha Chief Minister Naveen Patnaik. VK Pandian is a 2000-batch Odisha cadre IAS officer. “I am directed to convey the approval of the competent authority for ...The Commonwealth SMART plan allows participants to contribute to a pre-tax, or post-tax, voluntary retirement plan investing with the Commonwealth's 457/SMART Plan vendor, Empower Retirement. Contributions are taken via payroll-deduction and are data-fed into the University's payroll system (HR Direct) by Empower monthly. ...6. A notice of Voluntary Retirement (স্বেচ্ছায় অবসর) given after completion of 20 years qualifying service will require acceptance by the appointing authority (কর্তৃপক্ষ) if the date of retirement on the expiry of the notice would be earlier than the date on which the Government employee (কর্মচারী) concerned could have retired ...

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Jun 24, 2014 · a Service member-initiated voluntary retirement with payment of a VRI. b. The reentry codes used for Service members separated under this authority will be the same as those used for members who have attained sufficient service for voluntary retirement but are not paid a VRI. Enrollment. Your participation in the 403 (b) Voluntary Retirement Plan is optional and you can enroll at any time. To enroll, simply complete the following steps: Email the Benefits Office at [email protected] and ask for a "Voluntary Retirement Maximum Deferral Calculation". The Benefits team will let you know the maximum amount you can defer.Voluntary Retirement or Separation. The Chancellor’s Executive Cabinet (CEC) to offered voluntary early retirement or separation incentives for classified staff, exempt staff, and faculty employees. Although the deadlines for participation in these programs have passed, this information remains published for the reference of those individuals ...a Service member-initiated voluntary retirement with payment of a VRI. b. The reentry codes used for Service members separated under this authority will be the same as those used for members who have attained sufficient service for voluntary retirement but are not paid a VRI.The PERA 401(k) and PERA 457 voluntary retirement plans are defined contribution plans, which allow pre-tax contributions that lower your taxable income. With these types of plans, you will save on taxes now and pay taxes only on distributions. PERA 401(k) Plan Information .Voluntary Retirement – The most common type of retirement. Eligibility is primarily based upon age and the number of years of creditable service at retirement. Early Retirement THIS VOLUNTARY RETIREMENT AGREEMENT AND GENERAL RELEASE (the “Agreement”) is made and entered into this day of , 2004, by and between TECO TRANSPORT CORPORATION (the “Company”), the principal place of business which is located at 702 North Franklin Street, Tampa, Florida 33602 and JEFF D. RANKIN (the “Officer”), residing at 910 ...Voluntary Early Retirement offers apply to employees covered under both the Civil Service Retirement System (CSRS) and the Federal Employees Retirement System (FERS). When an agency has received VERA approval from OPM, an employee who meets the general eligibility requirements may be eligible to retire early. The employee must:Effect of Early Retirement on Benefits. Health Benefits: Employees retiring in conjunction with a VERA or Voluntary Separation Incentive Payment (VSIP) authority must have been covered under the FEHB Program (1) for the last 5 years of their Federal civilian service in order to continue such coverage in retirement, or (2) if less than 5 years, for all service since the employee was eligible ...Generally, you will be informed of your eligibility to participate in the Optional Retirement Program (ORP) at the time of your initial employment. Eligibility is strictly determined by the job you perform and is not based on years of service or salary level. To be eligible to participate in ORP, an employee must: (1) initially be appointed on a full-time basis for four and one-half months or ...0. Bhubaneswar: Odisha 5T Secretary V Karthikeyan Pandian took voluntary retirement from All India Service, a letter issued by Union Ministry of Personnel, Public Grievance and Personnel informed Monday. "I am directed to convey the approval of the competent authority for acceptance of voluntary retirement of V Karthikeyan Pandian, IAS (OD ...Voluntary Retirement Scheme. VRS stands for voluntary retirement scheme, whereby an employee is offered to voluntarily retire from services before the retirement date. The scheme allows companies to reduce the strength of employees. It can be implemented by both the public and private sectors. VRS is also known as 'Golden Handshake'. ….

FERS means the Federal Employees Retirement System as described in chapter 84 of title 5, United States Code. FERS FRAE, or a Further Revised Annuity Employee as identified under 5 U.S.C. 8422, is an employee or Member covered under FERS hired on or after January 1, 2014, unless the employee or Member—. ( 1) Was covered under FERS on …2. Figures in respect of voluntary retirement under these Rules may also be included in the 6-monthly statement required to be submitted to the Board vide para 4 of Board's letter of 19.12.1980, separately in respect of Group 'A', 'B', 'C' and 'D' Railway servants respectively, under each of the relevant rules.- Description: U.S. Code 1970 Edition, Title 10: Armed Forces, Subtitle C: Navy and Marine Corps, Part II: Personnel, Chapter 571: Voluntary Retirement, Sections 6321-6332 Call Number/Physical Location“In reference to letter No.GAD-SER1-PERS-0100-2014 dated 20.10.2023 from Government of Odisha on the above mentioned subject, I am directed to convey the approval of the …The system offers a mix of mandatory and voluntary retirement plans. All mandatory contributions are invested on a pre-tax basis. The chart on Page . 5 gives an overview, including employee eligibility and employer matching contributions in these plans, with additional information on the followingKey Details for AGR Retirement Process • You can start your AGR Retirement process up to 24 months from retirement date. • If this is a voluntary retirement, a DA 4187 (Voluntary Retirement) is provided to HRO Office no more than 12 months from retirement date. Once we receive the DA 4187 and the retirementThe voluntary retirement benefits include -. Enjoying life with family and friends without any work pressure. Receiving gratuity calculated and provident fund amount at an early age before the actual age of 60 years. Free tax and investment consultation from the organisation for wisely investing the gratuity and PF amount.The Medicare retirement age chart is an important tool for understanding when you can start receiving Medicare benefits. It is important to understand the rules and regulations surrounding the age at which you can begin receiving benefits, ...The severance package should offer enough cash to cover several months or more of your current paycheck. For example, if you would have earned $200,000 annually in pay, a package should ideally ...Voluntary Participation. The Minnesota Deferred Compensation Plan (MNDCP) enables any full, part-time or temporary employee to contribute through payroll deduction to a voluntary retirement account.It is a smart and easy way to supplement income from your pension & Social Security benefits. Voluntary retirement, (ii). Retiring Pension: - Rule-36, When one seeks voluntary or premature retirement before reaching superannuation. (iii) Pension on absorption in or under a ..., 2. Voluntary Retirement. Voluntary retirement in Nigeria refers to the decision of an employee to retire before reaching the statutory retirement age, usually based on personal reasons such as health, family, or financial considerations. It is not mandated by law, and it is entirely up to the employee to decide when to retire., (xi) The scheme of voluntary retirement under these orders will not apply to those who retire voluntarily under the provisions of Rule 29 of the CCS (Pension) Rules, 1972. (xii) The scheme of voluntary retirement under these orders will also not apply to those Government servants on deputation to autonomous bodies/ public undertakings etc. , Additional Voluntary Contribution - AVC: An extra allocation of funds to a retirement savings account that is above the amount that an employer will provide a matching contribution for ..., Jan 10, 2020 · A voluntary retirement scheme can be offered to employees who are at least 40 years of age; The employee opting for voluntary retirement from a private company must have completed a minimum of ten years of service. In the VRS scheme for government employees, the minimum service requirement is 20 years. They must give a written request for VRS ... , Voluntary Retirement Scheme and Tax implications. 1. Overview of Voluntary Retirement Scheme. As the name suggests a voluntary retirement scheme is an option given by an organization to its current employees to take early retirement before the actual date of retirement. Unlike a compulsory layoff, this scheme is optional to employees, and ..., Taking early retirement instead . If you're close to retirement, your employer may suggest you take voluntary early retirement instead of voluntary redundancy. You need to look carefully at the financial impact of each option, including how it will affect: any occupational or personal pensions you have. any benefits you might be entitled to, Your financial consultant or advisor can provide you with costs and complete details. TIAA Traditional is a fixed annuity product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC ..., (xi) The scheme of voluntary retirement under these orders will not apply to those who retire voluntarily under the provisions of Rule 29 of the CCS (Pension) Rules, 1972. (xii) The scheme of voluntary retirement under these orders will also not apply to those Government servants on deputation to autonomous bodies/ public undertakings etc. , Contributions into their Retirement Savings Account (RSA), in addition to their mandatory pension contributions, with the sole aim of enhancing their retirement benefits. 1.1.3 Voluntary Contributions under these Guidelines shall be non-obligatory contributions made by any employee in the formal sector through the employer., New Mexico plans to offer two voluntary retirement programs starting July 2024; NM Work & Save IRA and NM Retirement Plan Marketplace. The program will have auto-enrollment and give employees the choice of opting out. All employers whose primary place of business is located in New Mexico may participate. Eligible employees include those 18 and ..., A voluntary retirement scheme is a scheme that allows organisations to reduce their employee strength. This is done so that organisations can save on expenses and increase productivity. It cannot hire more employees to fill these vacant positions. The employee who has applied for VRS cannot apply to work in the same organisation's subsidiary ..., SUBJECT: Voluntary Retirement – Last, First MI, Rank, Branch 1. Under the provisions of law cited in AR 600-8-24, paragraph 6-1, I request that I be released from active duty and assignment on _____ (last day of the month which retirement would otherwise be effective) and placed on the retired list on, The voluntary retirement separation date will be August 31, 2020 or December 31, 2020. For your application to be approved by the review committee made up of the applicable dean or vice president, provost (for academic units), chief financial officer and president, there must be substantial derived savings to the University. ..., Individuals facing involuntary retirement were found to have the lowest life satisfaction scores compared to those who made a voluntary departure from the workforce, according to a 2013 study on ..., “Receipts from a voluntary retirement scheme are tax free up to ₹ 5 lakh for a retiring employee, when they meet the conditions specified in the Act applicable to an approved VRS," said Archit ..., Voluntary Retirement Scheme, for an organisation, is a way to cut down its surplus staff, or for an employee, it is a way to retire before their actual retirement date and receive paid compensation for severance of their services. VRS is voluntary and is totally optional for employees. No company can force its employees to take VRS., Basic, supplemental or voluntary plans. Optional coverage for spouses and dependents. Optional Accidental Death & Dismemberment coverage. Accelerated Death Benefit. Waiver of Premium. No reduction of benefits with age. to learn how we can help meet your insurance needs., 1 hour ago · Bhubaneswar: IAS officer VK Pandian, the private secretary of Odisha CM Naveen Patnaik, took voluntary retirement from government service, officials said on Monday. Mr Pandian whose rose to ... , Retirement benefits and retirement processing are complicated. Read the information in the pamphlet carefully. When you decide to retire, give your agency advance notice so it can be sure your records are complete and it can carry out its responsibilities in processing the paperwork associated with your retirement., Filipinos urged to avail of voluntary retirement savings plans. MANILA - Only about 20 percent of Filipino senior citizens are covered by the mandatory pension from either the Government Service Insurance System (GSIS) and the Social Security System (SSS). This leaves the larger number of about 7.6 million elders to date without the means to ..., BHUBANESWAR: Odisha chief minister Naveen Patnaik's secretary and trusted IAS officer VK Pandian took voluntary retirement on Monday. The development has further fuelled the longstanding ..., retirement of allowances budgeted for the Program. Sections 95831(b)(6) and 95870(c) of the Regulation set aside a percentage of allowances that are eligible to be retired for voluntary renewable electricity, and section 95841.1 establishes the Voluntary Renewable Electricity program requirements. 1. These provisions help support voluntary, Immediate Voluntary Retirement . An immediate retirement benefit is one that starts within 30 days from the date you stop working. If you meet one of the following sets of age and service requirements, you are entitled to an immediate retirement benefit: Age Years of Service 62 5 60 20 MRA 30 MRA 10*, Features of Voluntary Retirement Scheme. Employee must have completed 10 years of service or must be above 40 years of age to avail VRS. Companies clear Provident fund (PF) and gratuity dues at the time of retirement under VRS. The compensation paid under VRS is income tax-free up to Rs. 5 lakhs under section 10 (10C) of the Income Tax Act., Voluntary Retirement Scheme and Tax implications. 1. Overview of Voluntary Retirement Scheme. As the name suggests a voluntary retirement scheme is an option given by an organization to its current employees to take early retirement before the actual date of retirement. Unlike a compulsory layoff, this scheme is optional to employees, and ..., You already know how important it is to save for retirement, and you have a variety of choices. This article will cover four of the most popular options in an effort to help you decide where to put your money to assist in securing your fina..., California Vehicle Retirement. California's Voluntary Accelerated Vehicle Retirement Program (VAVR)—also known as the car scrap or recycling program—aims to get California junk cars off the highways by providing cash incentives to drivers in order to purchase newer, more fuel-efficient vehicles. NOTE: The VAVR program is funded on a yearly ..., Voluntary retirement and resignation involve voluntary acts on the part of the employee to leave service. Though both involve voluntary acts, they operate differently. resignation it can be tendered at any time, but in the case of voluntary retirement, it can only be sought for after rendering prescribed period of qualifying service. ..., 6 апр. 2019 г. ... Margadarshak Mandal Voluntary Retirement Scheme ... This is a hilarious take on some of the recent exits from lok sabha elections. Related Posts:., I. Soldier requests Voluntary Retirementto be effective 31 December 2020. (This date should be the last day of the month prior to being placed on the retirement list on the first day of the next month). 2. Soldier requests 20 days P TDY to begin on 4 Nov 20 to 23 Nov 20, and 38 days to begin on 24 Nov 20 to 31 Dec 20. (These dates are example ... , Your case is a disability retirement; You retired prior to November 19, 1996; You have voluntary contributions, and an apportionment was paid to your former spouse(s) Your case hasn't been finalized and you are in interim pay status; You have survivor benefits payable; Your case is an Office of Workers Compensation case, Officers - Voluntary Retirement Savings Program (VRSP) The VRSP is a defined contribution 403 (b) plan that lets you contribute from 1% to 80% of your eligible pay on a pre-tax and/or Roth basis, in half percentages, through convenient payroll contributions. Eligibility begins on date of hire. You are always 100% entitled to the value of your ...