Beauregard a Sud Uncategorized Pickingthe very best GoldIndividual Retirement AccountFirm

Pickingthe very best GoldIndividual Retirement AccountFirm

While chosing the most effective gold individual retirement account, you should take right into account the costs related to owning a gold IRA. The sites of several gold individual retirement account companies are opaque, as well as the fee structures are often obscure. Birch Gold Team is the exception, with its internet site clearly listing yearly fees and also one-time fees . These fees are not based on the worth of your account, however are flat rates, not percentages.

When it involves gold Individual retirement accounts, Regal Possessions is one of the most popular business in the market. They provide a vast array of investment choices as well as offer a complete satisfaction guarantee. They are additionally well-known for their tax obligation as well as estate preparation services. Along with using gold Individual retirement accounts, Regal Properties likewise uses a range of various other solutions.

The firm began as a rare-earth elements dealership in the USA but has actually since broadened its offerings to include cryptocurrencies and also the blockchain. In November of 2019, the firm partnered with Coinbase and also Kingdom Depend on, which caused the development of the largest crypto IRA on the marketplace. In 2018, they came to be the only authorities partner of the UK`s Royal Mint, an organization possessed by the British Government. This collaboration marks the very first time that an individual retirement account provider has partnered with the Royal Mint in its whole 1100 year background.

The business has a tested track document in the financial solutions market and supplies a money-back assurance for capitalists. This service aids investors expand their retired life cost savings and gets rid of the anxiety of unpredictability in the securities market. Inflation as well as deteriorating gold worth are two various other concerns that may create anxiety and also fret for capitalists. Fortunately, Regal Assets has a gold individual retirement account business that can provide a option to these problems.

The company also supplies a extensive list of educational resources for financiers, which aids to make choices pertaining to the ideal investments for their retired life savings. In enhancement, their team of Individual retirement account specialists will function with consumers to guarantee they comprehend every aspect of the financial investment process.

The business can be opened up directly or via an existing retirement account. Whether you are looking for a gold or silver Individual retirement account, Regal Possessions can assist you make a sound financial investment selection.
American Bullion

When choosing a gold IRA firm, there are a couple of variables to maintain in mind. For instance, a company with a flat-rate fee framework is finest fit for people that purchase gold in bulk. A company with a variable rate structure is finest matched for capitalists that desire to sell as well as acquire gold less commonly.

A lot of gold Individual retirement account companies have nontransparent web sites, which make it challenging to comprehend exactly how much each financial investment will certainly cost. Birch Gold Group, for example, is transparent about its fees.

The firm is also ranked extremely with the Better Service Bureau and also the Company Consumer Alliance. The company specializes in getting as well as selling gold, however additionally offers free IRA accounts.

While many gold IRA firms will purchase your gold and various other priceless metals, you can also select to offer them yourself. As long as you do not die before marketing your gold, you can prevent any probate costs.

When it comes to picking the right gold IRA company, you need to first consider what kind of precious metal you want to spend in. Some gold IRA firms allow just publicly traded protections. Getting gold in an Individual retirement account additionally has tax obligation benefits.

It`s vital to realize that you`re not going to get much return on your financial investment if you`re thinking about a gold Individual retirement account. You may need to pay management fees and also various other costs for storage and insurance policy, and gold is a volatile financial investment. The risk included is also more than traditional IRAs, so you should ensure that you`re comfy with your financial investment option.
Augusta Valuable Metals.

Augusta Priceless Metals is just one of the very best gold individual retirement account companies available. They concentrate on improving the customer experience and also supply investors with a variety of details. They also provide affordable pricing as well as affordable costs. You can establish a self-directed IRA account or roll over your funds with Augusta.

The company additionally supplies competitive prices on gold and silver bullion. They do not include payments or mark-ups . Instead, they disclose the price in the order desk quote and verify it prior to shipping. Augusta likewise offers a buyback plan, though they can not make any warranties. They have several favorable client testimonials and a top score from the Bbb.

The firm collaborates with reputable custodians, which makes certain the safety and security and protection of your investment. They also have a transparent registration process. Consumers can expect to receive individualized service and receive a detailed summary of all elements of rare-earth elements investing.

There are a couple of things to take into consideration prior to making a decision which gold IRA company is best for you. For one, you should comprehend what you can take out tax-free when you get to the age of 59 1/2. Besides tax obligation benefits, gold IRAs can aid you diversify your financial investments and also prevent rising cost of living danger.

If you are trying to find a reliable gold IRA firm, Augusta Valuable Metals is the way to go. You can establish an account in a issue of days, as well as they additionally have qualified financial investment advisors prepared to assist you with the process. Many gold individual retirement account firms bill a cost for their solutions, yet these charges cover the price of establishing the account as well as safely holding your valuable metals.

In enhancement to Augusta Valuable Metals, there are numerous other gold individual retirement account business to select from. These business use different financial investment alternatives, with minimum investment requirements ranging from $5,000 to $25,000. If you are unskilled in the gold IRA market, Augusta Priceless Metals offers a $5,000 valuable metals individual retirement account.

The very best gold IRA business upgrade their listings typically, and they supply financiers educational products and also market evaluations. The ideal companies will likewise provide buyback alternatives to their customers. This guarantees that you are getting the greatest value for your gold.

information about best gold IRA companies

If you are looking to invest in gold, you have lots of alternatives to select from. You can utilize an IRA or spend in gold bullion. Birch Gold Team supplies silver, gold, and also platinum investments.

Prior to spending in gold, make certain you recognize the costs included. Several gold Individual retirement account firms do not make their fees completely clear.

The expenses of a gold individual retirement account company ought to be described in their conditions . Many gold individual retirement account companies bill a commission for acquiring valuable metals. These costs typically run about 5% of the price of the metal. You ought to also recognize the one-time set up fee associated with opening up a new account. A lot of firms bill under $200.

IRA business also supply skilled recommendations and also academic materials. The best gold Individual retirement account business will certainly be able to help you pick the valuable steels you desire to invest in. When you pick a gold IRA firm, be certain to read evaluations and also endorsements from customers as well as from reliable sources.

Noble Gold Investments is a gold IRA company that focuses on customer support as well as education. Their representatives are pleasant and don`t try to push you into acquiring more than you can pay for. Its low minimum financial investment need is additionally attracting those who are new to the rare-earth elements market.

While chosing the ideal gold IRA, you should take right into account the charges linked with having a gold Individual retirement account. While the majority of gold IRA firms will certainly acquire your gold and other precious steels, you can additionally select to offer them yourself. If you are unskilled in the gold Individual retirement account market, Augusta Priceless Metals provides a $5,000 valuable metals IRA.

Birch Gold Group offers silver, platinum, and gold financial investments. Noble Gold Investments is a gold IRA company that concentrates on customer service and education and learning.

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Why Choose Silk Pillowcases?Why Choose Silk Pillowcases?

Silk pillowcases have gotten more popular in the last few years. A lot of people, especially females, pick silk pillowcases because of their various benefits. Wondering why opt for silk pillowcases over the typical cotton or microfiber? Is it actually worth the hype? What benefits do you obtain from using it?

Prevents Wrinkles And Fine Lines

Did you understand that repeated compression and creasing of the face during sleep can eventually become wrinkles? Silk pillowcases can assist prevent wrinkles due to their smooth surface. It causes less friction and pulling on the skin compared to conventional cotton pillowcases.

Bye-bye morning sleep creases, goodbye wrinkles and fine lines.

Soothes Skin

Aside from preventing wrinkles, it can likewise soothe the skin and aid avoid and relieve acne. The gentle fabric offers relief for sensitive skin and skin problem such as eczema and other skin inflammations.

Due to silk’s smoothness, it also takes in less wetness from the skin, helping in keeping the skin nice and hydrated. This makes it perfect for the dry, winter season, and those who have dry skin.

Less Tangles and Frizz

Aside from the skin advantages, the advantages to the hair is likewise among the major selling points of silk pillowcases. State bye to bad fair days, fly-away hair, and frizzy hair. Due to its smoothness, sleeping with a silk pillowcase reduces the friction from tossing and turning while sleeping. This indicates that frizz is decreased, there is less hair damage, fewer tangles, and a smoother and silkier hair when getting up. Aside from the hydration advantage provided to the skin, this also applies to the hair.

If you have actually dry, harmed, chemically-treated hair, silk pillowcases need to be a part of your arsenal in restoring your hair’s strength and minimizing additional damage and damage.

Less Allergens, Cleaner Pillow

As discussed previously, silk pillows take in less wetness. Due to this, it is less most likely for allergen and other bacteria to prosper in the material. It attracts fewer irritants in comparison to other products and can remain cleaner in between washes.

This does not imply though that you ought to was your pillowcase less. You need to still clean them regularly.

Better Sleep Quality

Temperature level can typically affect the quality of our sleep. Silk’s wetness fending off advantages and naturally breathable fibers implies that your pillow can remain cool and dry which can assist provide a better, more comfy sleep.

Who would have thought that the type of pillowcase utilized also has an impact on the quality of sleep?

We do invest 1/3 of our lives in bed, why not make it the most elegant, comfortable, and relaxing area. With the silk pillowcases from Poshey, you are guaranteed to have the best night’s sleep and wake up looking and feeling excellent!

Get your Poshey Pillow cases now at https://poshey.com/

Diversity, Inclusion, Sensitivity, Harassment Training, Houston – The FactsDiversity, Inclusion, Sensitivity, Harassment Training, Houston – The Facts

Unknown Facts About Diversity, Inclusion, Sensitivity, Harassment Training, Houston

TurnKey Coaching Solutions is your one-stop source for finding diversity training programs in Houston, Texas. TurnKey Coaching Solutions currently provides diversity training programs in as well as not far away the Houston area, coming from 1 of the sector’s leading training suppliers, including New Horizons. Our experts are constantly including brand new dates as well as programs, thus bookmark this web page if you do not view a course provided in your area, or even look at a virtually-delivered live training program or even eLearning. -

The College of Houston is the second very most ethnically diverse primary study educational institution in the USA. Students concern UH coming from greater than 137 countries & coming from throughout the world. Full listing of distribution through ethnicity as well as race. Source: College of Houston, Statistical Manual.

Establish brand new company partnerships, measure absolute best practices as well as promote your label as a variety forerunner at the nationwide, local as well as state amount. Join our team today.

Today’s company environment is modifying culturally, generating obstacles. It likewise develops opportunities associations need to welcome as well as develop into effectiveness. Via training, assessment, as well as well-timed private treatment, when required, they position themselves as well as others within their associations to value range as well as modern differences in their team, providers, as well as their customers. The result assurance: Enhanced sensitiveness awareness along with customers, Enhanced communication between team, as well as one of working units, Enhanced team spirits, Drawing in as well as keeping the greatest team, Minimized social issues, minimized threats for claims, Also better company photo as well as online reputation for your institution.

Unknown Facts About Diversity, Inclusion, Sensitivity, Harassment Training, Houston

That’s where our training system happens in. Houston Public Relations Training Principle’s promotions practical programs as well as rehabilitative solutions through little team as well as face to face training. Furthermore, we supply onsite consulting and also examinations into issues when acquired. Contact our team today. Comprehensive the call kind listed below, e-mail our team: esmart@HoustonPRtraining. com or even refer to as 713-834-4138.

D.I.S.H training system is developed for everyone in the work environment: Executives, managers, workers. Each guest is going to obtain a certificate of participation. What sets our system apart is our adaptability. Whether one on one, little teams or even on an appliance manner, this system is versatile, as well as may be individualized to satisfy your institution’s unique D.I.S.H problem, supplying hands-on activities along with enough opportunities for dialogues, as well as questions as well as responses.

Therefore, we are readily available to react as well as provide a plan right at your location in other words notification. Variety Incorporation Level Of Sensitivity Pestering (D.I.S.H) When Mr. Emmanuel Smart contacts your team, you obtain end results, ensured. Participants gain coming from his training, history as well as unique perspective on the problem of range.

Smart traverse the veneer, peeling off vulnerable coatings, as well as talks about the problem of range like nothing else other personal trainer can. You obtain it straight the really very first time. You’ll know how “others” assume, the very first step towards connecting the imaginary space that may produce misunderstanding, feasible problems along with which to battle in diverse workgroups as well as procedures for dealing along with them; absolute best techniques in range as well as how to combine range techniques.

Unknown Facts About Diversity, Inclusion, Sensitivity, Harassment Training, Houston

Smart is an exceptional personal trainer. The Diversity/Cross-Cultural Training he provided to our scalp managers at Cypress-Fairbanks I.S.D. was actually really inspiring, stimulating, as well as provoked an assortment of tips, along with both substantial as well as thorough understanding regarding range in the work environment. Mr. Smart’s participatory as well as comprehensive technique engaged our workers, which supported interesting as well as concentrated dialogues as well as substitutions. -

Smart’s training session to business execs appearing to properly attend to range problems in their work environment.” Bridgette L. Collins, Asst. Human Resources Supervisor, Procedures Cypress-Fairbanks I.S.D.

Diversity Training In Houston, Tx - Inclusion Classes Can Be Fun For EveryoneA Biased View of Diversity, Inclusion, Sensitivity, Harassment Training, Houston

Instructor-led Online Classes Employee Training Small Team Live Webinars Our business creates the strategies of training beneficial for Human Resources departments. Our range fitness instructors travel directly to your work environment to facilitate lessons onsite or even offsite. Personal trainers are located in key urban areas in the USA as well as Europe. Our experts currently possess fitness instructors situated in Nyc City, Chicago, San Francisco, Seat, Nashville, St.

Our group routinely works in Houston, Philly, as well as Dallas as well as correlative trip whenever feasible to keep prices down as well as go decrease our carbon footprint. Our experts facilitate sessions along with workers, managers, as well as corporate management. Essentially, we keep course sizes to 35 or even fewer. Several of our fitness instructors are bilingual along with facility in Spanish, Classical, as well as English (diversity training).

Unknown Facts About Diversity, Inclusion, Sensitivity, Harassment Training, Houston

Level of sensitivity as well as awareness are first actions in the process. The following actions entail implementation of action strategies, comprehensive communication strategies, as well as creating accountability to support respect, respect, as well as equity. Adjustment develops when comprehensive innovators design the habits they want to view as well as encourage each staff member to take on a D & I part.

Variety Builder companies as well as staff member coaches lie throughout the country in almost every state. This topographical technique makes booking as well as trip simpler as well as aids our team bring about worldwide sustainability. Places consist of Nyc City, Washington DC, San Diego, Nashville, Seat, Boston, Nashville, St. Louis, Atlanta Georgia, Oklahoma City, Dallas, San Francisco, Houston, Fort Well Worth, San Antonio, Austin, Los Angeles, Charlotte Nc, Denver, Chicago, as well as Europe.

Leigh Gaskin. Leigh was actually formerly a Coach at Washington Condition College for 5 years while completing her doctorate in American Cultural Research Studies in 2019. She got an owner’s in Social Accountability as well as Maintainable Areas concurrently along with a Grad Certificate in Sex as well as Female’s Research studies. Leigh’s B.A. resides in Psychology as well as Behavioral science, along with a Women’s Research studies small.

Our fitness instructors as well as consultants bring a wide array of capabilities as well as life experiences into building the course of study as well as promoting interesting training. A number of fitness instructors have earned rule or even doctorate degrees as well as concentrate on compliance programs including ADA training as well as pestering protection. Various other range fitness instructors are global travelers skilled at teaching abroad as well as promoting worldwide culturally-focused corporate on-boarding along with a pay attention to accomplishing long lasting inclusion.

Unknown Facts About Diversity, Inclusion, Sensitivity, Harassment Training, Houston

Burberry Fuze National Network Macy’s Dillards ZOLL Medical Organization Apple Special Needs Liberty California Fruit Republic General Motors Re/Max Realty, Condition of Oregon Vocational Rehab Seat Children’s Hospital Lotus United T-Mobile, Wells Fargo Bank Nordstrom Ste. Michelle Red Or White Wine Estates Bank of The United States Our fitness instructors are experienced in building eLearning content as course-developers as well as course of study developers.

Various other subjects readily available in Spanish are management, range as well as inclusion, respect in the work environment, as well as unconscious predisposition. Various other lessons may be actually readily available in Spanish. Satisfy send an inquiry along with certain questions or even phone our team directly. Variety Builder has teachers are accomplished as educators in the scholastic area as well as have contributed in generating educational programs in schools including the College of Chicago, Belmont College (Nashville), Lincoln College of Missouri, Rutgers College of New York, DePaul College College of Rule as well as elementary school settings in Chicago, Illinois, Eastern Illinois College, City College of New York (CUNY), Farmingdale Condition University, College southern, City University of New York, as well as Columbia Condition Neighborhood University in Tennessee.

Diversity training in much higher learning usually includes learning how to inclusively communicate along with fellow faculty as well as team along with the student populace. Our Chicago-based training teachers have led essential tasks as well as possess noteworthy success. One group participant was actually part of the management team at the College of Chicago that established the Workplace of LGBTQI Trainee Life.

In the Chicago area we have helped with D&I training for Skidmore, Owings, as well as Merrill’s architectural style as well as engineering workers, Buschman Residences, as well as Laramar Team’s real property workers. One of our range innovators has created some best-selling manuals, published various diary papers, submitted published works to newspapers on the subject of work environment range.

Unknown Facts About Diversity, Inclusion, Sensitivity, Harassment Training, Houston

Armida Russell coauthored the book The Variety Regulation: Why Some Initiatives Fail & What to accomplish About It. Tune Fowler-Green has published works in several legal writings, law-related publications, as well as newspapers. Her article allowed, “Syrian evacuee inquiry deserves a civil dialogue” was actually published in The Tennessean. She has examined the science of cold predisposition thoroughly as well as weaves that understanding into her learning programs in an unique way.

Two of our companies are SHRM Senior Licensed Professionals. Variety Builder fitness instructors carry the complying with enhanced degrees: Doctorate in Viewpoint College coming from Loyola College of ChicagoDoctor of Rule (J.D.), Rule coming from Georgetown UniversityMaster of Scientific Research, Human being Resources ManagementMaster’s Level in University student Therapy coming from Loyola College of ChicagoDoctorate in Organization Administration coming from California International UniversityMaster’s Level in Business economics coming from College of South Fla as well as Western Kentucky UniversityMaster’s Level MBA in Company Leadership coming from Marylhurst College (Oregon)Master’s Level in Education coming from Lipscomb UniversityMaster’s Level in Household Therapy coming from Drexel College’s University of Nursing as well as Health and wellness ProfessionsMaster’s Level in English Literary Works coming from City College of New York City CollegeMaster of Fine arts in Female’s StudiesMBA in Human being ResourcesMaster’s Level in University student Matters Thomas-Kilmann Conflict Setting musical instrument DISC analysis SHRM-SCP Strengths Functionality Coach credentialized through Gallup College (StrengthsFinder) CAEL Job as well as Educational Advising TESOL SHRM-CP Concept Thinking Specialist Advanced Smartboards SCRUM Master facilitator of dexterous progression group that permits workers on crews to self-organize One of our Chicago fitness instructors finished the Harvard Kennedy system on Adjustment Administration Leadership (Effective Adjustment Via Public Law as well as Administration), the Executive Leadership Program coming from National Hispana Leadership Principle (NHLI), Mediation learning, as well as Executive Leadership Training Program coming from the Facility for Creative Leadership.

One of our manager instructors is a licensed StrengthsFinders Functionality Coach, credentialized through Gallup College. She is likewise certified in Job as well as Learning Advising.

Today’s company environment is modifying, ending up being a lot more diverse. Such range develops obstacles. It likewise develops opportunities associations need to welcome as well as develop into effectiveness. Smart associations take it a measure additionally. Via training, assessment, as well as well-timed private treatment, when required, they position themselves as well as others within their associations to value differences in their team, providers, as well as the general public.

Unknown Facts About Diversity, Inclusion, Sensitivity, Harassment Training, Houston

Our experts use rehabilitative solutions as well as practical programs through little team as well as face to face training on Variety, Incorporation, Level Of Sensitivity as well as Pestering (RECIPE). Furthermore, we supply onsite consulting and also examinations into issues when acquired. Our experts are Houston, TX located. Our system is versatile, as well as may be individualized to satisfy your certain problem as well as provided quickly at your location or even ours.

This system gives exceptional training for team in all amounts of the institution. To call our team for face to face mentoring or even team training, telephone call, comprehensive this kind, or even today. When Mr. Emmanuel Smart contacts your team, you obtain end results, ensured. Participants gain coming from his training, history as well as unique perspective on the problem of range.

Smart traverse the veneer, peeling off vulnerable coatings, as well as talks about the problem of range like nothing else other personal trainer can. diversity training.? You obtain it straight the really very first time. You’ll know how “others” assume, the very first step towards connecting the imaginary space that may produce misunderstanding, feasible problems along with which to battle in diverse workgroups as well as procedures for dealing along with them; absolute best techniques in range as well as how to combine range techniques.

Smart Expressions is a Houston, TX located business. Therefore, we are readily available to provide a plan right at your location or even ours in a short notification. comprehensive our on-line call kind to seek our diversity training today. - Like Loading …

Top Amalfi Coast Wedding Venues: Dream Locations for Your Big DayTop Amalfi Coast Wedding Venues: Dream Locations for Your Big Day

As you explore the stunning Amalfi Coast for your wedding venue, picture yourself surrounded by breathtaking landscapes and luxurious settings that enhance the magic of your special day. From the allure of cliffside villas overlooking the azure expanse to the charm of historic palazzos nestled in romantic towns, each location holds its unique appeal for creating unforgettable memories. The question remains, which of these dreamy venues will perfectly capture the essence of your love story?

Cliffside Villas With Panoramic Views

Perched high above the sparkling waters of the Amalfi Coast, these cliffside villas offer breathtaking panoramic views for a truly romantic wedding setting. Imagine exchanging vows with the Mediterranean Sea stretching endlessly before you, its azure waters glistening under the warm Italian sun. The gentle sea breeze carries the sweet scent of lemon groves and bougainvillea, adding a touch of magic to your special day.

As you walk hand in hand with your beloved along the terraces of these villas, every step echoes the promise of forever. The vibrant colors of the Amalfi Coast – the pastel-hued buildings, the lush greenery clinging to the cliffs, and the vivid blue of the sea – create a picturesque backdrop for your celebration of love.

At night, as the sun dips below the horizon, the sky is painted in hues of pink and orange, casting a romantic glow over your festivities. The twinkling lights of the coastal towns below seem to dance in celebration of your union, making this cliffside venue an unforgettable choice for your dream wedding.

Seaside Resorts by Azure Waters

Imagine yourself stepping into the world of luxury and tranquility as you explore the seaside resorts nestled along the azure waters of the Amalfi Coast. These exclusive retreats offer a perfect blend of breathtaking views, elegant accommodations, and impeccable service, creating an idyllic setting for your dream wedding.

Picture exchanging vows with the Mediterranean Sea as your backdrop, the gentle sound of waves serenading your special moment.

At these seaside resorts, you can indulge in romantic sunset strolls along private beaches, savor gourmet cuisine prepared with the freshest local ingredients, and unwind in luxurious spa facilities.

The stunning infinity pools seem to blend seamlessly with the sea, offering a mesmerizing experience that will leave you and your guests in awe.

Whether you envision an intimate beachfront ceremony or a lavish seaside reception, these resorts cater to every desire with precision and care. From personalized wedding planning services to enchanting coastal vistas, every detail is crafted to make your special day unforgettable in the most enchanting way possible.

Historic Palazzos in Romantic Towns

Nestled among the cobblestone streets and ancient architecture of romantic towns along the Amalfi Coast, you’ll find historic palazzos exuding timeless elegance and charm. Picture exchanging vows in a centuries-old courtyard surrounded by blooming bougainvillea and the Mediterranean Sea glistening in the background.

These palazzos, each with a unique story to tell, offer an enchanting setting for your special day.

Imagine celebrating your love in a grand ballroom adorned with intricate frescoes and ornate chandeliers that transport you to a bygone era of opulence and sophistication. The historic palazzos in towns like Ravello and Positano provide a romantic backdrop for an unforgettable wedding ceremony and reception.

From lush gardens with panoramic views to intimate terraces overlooking the Amalfi Coast’s rugged cliffs, these palazzos offer a variety of enchanting spaces to suit your wedding vision.

Whether you dream of a fairytale-inspired affair or a classic elegant celebration, the historic palazzos in romantic towns along the Amalfi Coast promise to make your big day truly magical.

Plan Your Perfect Amalfi Coast Wedding

The Amalfi Coast offers some of the most breathtaking wedding venues, making it an ideal destination for your special day. With its stunning views, romantic settings, and elegant charm, it’s no wonder couples from around the world choose this beautiful location to exchange their vows. To add even more magic to your wedding experience, consider renting a luxurious villa that provides both comfort and scenic beauty. For more information on the best accommodations and tips to make your wedding unforgettable, read our detailed article on villas in amalfi coast. Begin planning your dream wedding on the Amalfi Coast today!