I also would like to give a disclaimer before you dive into this blog post that I am only making reference based on my personal experiences, so your opinion is not up for debate. I will be focusing on Payment Plans and Online Launches.

Let’s jump right in.

Payment Plans
The first time that I started offering payment plans was back in 2011. The main purpose of me doing this was so I could charge more money (At least, what I thought was more money) and I needed money coming in every month to pay bills. It was for my graphic design services.

Based on the clients I had at the time $500-$2,000 was a stretch for people to make the payment in full. To process the payment plan, I would take whatever balance they had and divide it into 6 months or 12 months. I had monthly payment plans as low as $13. Yep, you read that correctly.

Collecting payments was a pain because every month people wanted to act like they did not know when their payment was due. Can you imagine e-mailing someone about a freaking $13 payment? When I look back at this, I wish I had someone to guide me, but you live, and you learn. Now let me carry on.

After all of my contract payments came to an end, my cashflow was not so great and I did not want to deal with small payments ever again. It was time to take my business online, but before I did, I needed a job.

At this time, I had been self-employed for six years and recently married. I guess I would say pink notices on the door was my best friend. I took on the job as a Marketing Manager at a local mega church. I stayed there for about five months before I decided to quit.
During this time, I studied what the big dogs were doing, and I knew that in order to have a successful business your company needed cash flow (in other words money coming in consistently.)

Hell, it’s the only reason that people don’t leave their jobs. The consistent paycheck every 1st and 15th or every two weeks.

I started my online business in 2013, and I got my first online sale on April 18, 2014.
I started offering bigger contracts, which were $5,000 and $10,000. These packages either came with Just Coaching or Coaching & Branding. My background as a Professional Photographer and Graphic Designer came in handy for my Branding Career. I also knew how to help my clients market themselves because of experiences from my past and all the research and investments that I made over time.

All of these CLIENTS NEVER MISSED A PAYMENT AND IF SO, IT WAS LESS THAN 72 HOURS. What I noticed about these types of clients where the ones who are willing to invest more money, I never had issues with. They made other investments if needed and they were more committed to Building Their Brand.

So, as my business continue to grow, I expanded my coaching program from 1 on 1 to a Signature Program at the time it was called Building Big Brands. Building Big Brands is now an Agency. I still offer my signature program but now as three separate programs (Planned for Profits, Branding that Pays, and The Art of Lead Attraction).

When I launched my program as a group program, this is when I started back having payment issues. The monthly payments ranged from $97-$197.

Let me tell you about the three types of people who invest at this level.

    • I Got the First Payment Sally– This is the client who makes the first payment, but falls off the face of the earth when it’s time to get the other payments. They don’t even try to pay and typically never finish.
    • I Must Try It Mia- This is the client who runs thru your program, never finishes it and will blame you for not getting results. She follows you on social media but don’t want to be on your email list. She thought that if she invests with you that you would reveal all of your secrets. Little do she know, you have to do the freaking work! She may just downplay the program altogether to not make herself look good.
    • I Will Commit Debra- This is the client who makes payments on time and actually becomes a raving fan. She show up to all the calls and come with questions. She raves about you on social media, and she wants the world to know how amazing the program is.

I can tell you from experience that I get the I Got The First Payment Sally or I Must Try It Mia most of the times. I am going, to be honest with you. Payment Plans only works if you have an admin that can release you out of it. If you are the only one working in your business, I would suggest not accepting payments from people for programs or services under $600. I have collected a lot of payments in my day and I can tell you that programs and services under $600 with a payment plan will attract these types of people.

I have decided to work with only 2 types of people.

  1. They have the resources to pay in full for my offerings that range from $1-$600. If that person needs a payment plan for an investment at this amount, I would most likely keep it moving. I believe it’s a statistic that says when you don’t offer payment plans that you leave 20% on the table. Well, I guess I would have to leave it on the table because I don’t want 20% of a headache that comes with it.
  2. They have to invest over $1000 with me and must sign a contract. People at this investment level pay on time and I have found rarely quit. They are the most committed and they most likely will do the work.

The Online Launch
Instead of going on and on about this. I actually shared a post on my Facebook Page that speaks to this. Please review the photo below.

I believe that people should be honest about the money that they make online. I have seen people max out credit cards and spend their life savings with these frauds who claim to make them rich. Some would say that it’s the client fault, and they are correct, and I say this because most people don’t research before they make investments with people. Google, Forums, and People will tell you the truth about these programs and services before making significant investments.

If you have made it to the end and you are reading this sentence, please let me know what your biggest takeaway was and how will you offer payment plans for your business? I hope this was helpful and if you have questions, please come and join our free 3B Insider’s Club at www.3binsiders.club for more updates.

Thanks so much for reading and until next time talk with you soon.

This content was originally published by Audria Richmond and can be found here.


About Our Reviews, Blog Posts, and Recommendations

Thanks for checking out our reviews, product recommendations, and blog posts! Here's a quick note about the reviews, recommendations and blog posts that I add to this site.

For products that are not my own - I usually purchase the products before I start a review or provide a recommendation. In addition, some product vendors provide me direct access to their products in order for me to properly complete my reviews. However, I absolutely DO NOT make any promises to them regarding the results of my tests or what I will write in my review.

Therefore, if you click a link that takes you to a sales page for a paid product for sale, then the link may be an affiliate link that I may be paid a percentage of the sales price should you decide to invest in it.


Unless you’ve been sleeping for the past 10 years, you probably know that the regular joe business owner would kill to know what it takes to get more customers using the limitless potential of online marketing.

With all the young computer whizzes out there these days, you’d think it’d be no difficult task to find qualified help in this department, but the truth is that a lot of business owners already feel intimidated by their lack of knowledge. And to compound the problem, many have been scammed by wannabe marketers already.

If you actually have the skills and are looking to pull together some bread for your web project – or even start up an extremely profitable side business – you may be wondering just how to land some of these big juicy clients for yourself.

1. Infiltrate the Local Biz Networking Scene

A lot of offline marketers start at the bottom, hoping to pull a few small-time clients here and there and slowly build up their reputation, but why not go right for the jugular?

Read books like Alan Weiss’s “Million-dollar Consulting” to learn what it takes to be perceived as a true pro, start building a real business presence, and get out in the community networking.

The Chamber of Commerce is probably the best place to start if you want to build a real marketing firm. You can also make your mark at local networking groups, Kiwanis, and Toastmasters.

Get in there and tell people what you can do!

2. Direct Mail Campaigns

Online sales campaigns might be all the rave, but direct mail is still pulling in huge figures, and it may be perceived as more legit to someone who isn’t used to conducting online. Showcase your marketing creativity with a bulky mail package right into your prospect’s hands and start reeling them in.

These campaigns can cost, but if you target the right clients, each closed deal can equal tens of thousands of dollars a year.

3. Team Up With a Center of Influence

Instead of slow-paced networking, go right for the gold. Determine centers of influence whose current clients could benefit from what you do and introduce yourself.

Examples may include computer tech consultants, web designers, accountants, and lawyers. It’s in their better interest to point clients in the right direction, but perhaps you can win them over by offering to handle their campaigns free if they rave about you to whoever will listen. Then give them results worth raving about!

4. Pro Bonos for Nonprofits

If you decide to start out doing pro bono work to build a portfolio, garner testimonials, and get some word-of-mouth, don’t start with small fish business owners who aren’t taking their own companies seriously. That’s no man’s land.
Do it the right way. Solicit non-profits who want web marketing or design work done and build your portfolio with them. Most will be happy to scratch your back in return.

Once you’ve got a few under your belt, don’t overlook nonprofits as clients either. Many have very sizable budgets.

5. Put Your Skills to Use!

A lot of off-liners only focus on getting clients from offline sources, and this is somewhat understandable given the suspicious many biz owners have of the industry. But many do it because they don’t have the skills they profess to have.

If you do, put those skills to work and show your clients what you’re made of by overcoming their reservations and getting their attention in the online world. Show your stuff.

Even if you’re still building skills, your own marketing campaigns are a great place to hone them to better serve future customers. So get out there and sell. There’s a lot of money to be made if you’ve got what it takes.

This content was originally published here.


About Our Reviews, Blog Posts, and Recommendations

Thanks for checking out our reviews, product recommendations, and blog posts! Here's a quick note about the reviews, recommendations and blog posts that I add to this site.

For products that are not my own - I usually purchase the products before I start a review or provide a recommendation. In addition, some product vendors provide me direct access to their products in order for me to properly complete my reviews. However, I absolutely DO NOT make any promises to them regarding the results of my tests or what I will write in my review.

Therefore, if you click a link that takes you to a sales page for a paid product for sale, then the link may be an affiliate link that I may be paid a percentage of the sales price should you decide to invest in it.


Have you ever considered a work at home career? Do you dream of ditching the commute to work and embracing a life of telecommuting?

Work at home jobs are appealing for many reasons, however, if you’re not careful you could be in for a disappointment.

Today, Chris from Money Stir shares how you can succeed in a work from home job. Chris has worked at home for the last 8 plus years as a remote web developer. I will let Chris take it from here.

How to succeed in working remotely
There are few things as impressive as when you can work from home as a remote employee. You get the benefits of a steady paycheck and the flexibility in working in your home office.

But working from home is a privilege that requires additional responsibilities. If done wrong, you could end up getting fired and have a hard time finding a job replacement – unless, of course, you have a killer resume at the ready. You might also unintentionally limit your income and promotions.

Let’s look at what I’ve learned working from home, and how you can get the most from being a remote employee.

12 tips to succeed with a work from home job

#1: Communication
Communication is the undercurrent in working from home successfully. It’s kind of like how humans need air to breathe.

This idea is true with most jobs but becomes a top priority when working remotely. That’s because your primary connection with the company you work for and your co-workers is 100% through the digital space. If you don’t get good at communicating over the internet, you will leave a path of confusion and frustration.

Excellent communication isn’t just about the number of words you write. It more has to do with being clear, concise, and direct.

Over the years I’ve focused on over-communication, which I think is a good thing at its’ core. But I’m learning to write what I mean in fewer words, to make what I’m trying to communicate easier to digest and understand.

Excellent communication comes down to a few core principles:

-Asking the right questions as early as possible
-Making sure you understand each request or task
-Explaining complex problems for anyone to understand, regardless of their background
-Being careful about what assumptions you make
-Taking an active role in whatever you touch

Organization and work efficiency
You could be at the top of your field, but if you can’t organize your workday, you could fall flat on your face when working from home.

I’ve worked with well-intentioned individuals who had a hard time getting this right. They were smart and talented but had a hard time organizing their time when working through multiple priorities at home.

It becomes about making order out of chaos. The better you become at what you do regularly, the more the company will go to you in solving those problems. Being organized means increased responsibilities and more tasks coming your way (and can anyone say cha-ching).

This idea isn’t about letting your employer put unrealistic expectations on your time; it’s about increasing your work efficiency. In most work at home situations, no one is going to dictate your every move. You have to figure this out on your own.

A few questions I like to ask myself in making sure I’m on track:

-Are my priorities for today and this week clear?
-Am I being blocked by anyone, and have I communicated this clearly to the correct people?
-Are the expectations of what I will accomplish with my time realistic?
-In regards to what I am working on: what are the main risks? Have I communicated these risks?

As you can probably tell, being organized is highly coupled with communication. Both communication and organization depend on each other, and the more you can improve these skills, the more you will increase your value.

If you want to excel at working from home, focus on your communication and organizational skills. You’ll decimate your competition if you do.

There is an element of working from home that requires a higher level of confidence than working in an office. People depend on you to work, even though they can’t physically see you at your desk.

The more you can convince your co-workers that you know what you are doing, and are reliable in solving problems, the more you increase your value as a remote worker.

Your value should be evident through your day-to-day output. If the company you work for starts to wonder if you are working at all, that is a bad sign.

But once you get to the point where people learn to rely upon you for high-value output, they will start to give you the benefit of the doubt. When something takes you longer than expected, they assume this is because it is a more complex task than expected; as opposed to questioning your abilities or work ethic.

And I can’t stress how important this is when working from home. When the company needs to let people go to cut costs, you don’t want to be at the top of the list.

It’s easier for a company to fire remote employees than their in-office counterparts. You can counteract this by being a necessary component on your team.

Personal connections
I’m a natural introvert. I suffer from social anxiety when I’m in crowds of people I don’t know very well.

But even if you are an introvert like me, we all need human connection. When working from home, this becomes more vital. Building personal relationships is harder when you aren’t physically working with people.

Creating a personal connection with your co-workers is about team dynamics. Strong teams know each other well. The more you can identify a human behind a name, the more you can collaborate effectively with each other.

There are several ways you can build secure personal connections when working from home:

Company chat
Not being able to walk up to someone and have a real conversation means it is difficult in having more in-depth discussions. Email does not work great when there’s a ton of back and forth.

Chat software, like Slack, helps solve this problem. It allows you to have private conversations with individuals, or have rooms dedicated to teams. It also provides a way of having lighter social conversations through general chat rooms. These can be fun and gives a break from the regular day-to-day conversations.

Video conferencing
Being able to see your coworkers regularly during meetings does a great job connecting with your coworkers on a personal level. You can see expressions, hear voices, and interact with people, not much different from what you would do in an office environment.

If you work for a company that does not have this setup, I highly suggest you push them to implement video chat company-wide. Even if your company has a central office, they should be able to install a webcam so that you can be a part of meetings in the office. Google Hangouts and Zoom are great options.

You will want to have a decent web camera that produces a clear picture. Even if you don’t end up doing video conferences, you will want to have a good headset or microphone, that will record your voice crisp and clear. It can be annoying to be on a call with someone who is talking, but no one can understand what they are saying. “Did anyone hear what Chris said?”

In person gatherings
Spending in-person time with your co-workers adds a human element that is hard to replicate when you are a digital nomad. Sharing meals, chatting over a beer, and attending conferences can do wonders in building a personal bond with your online co-workers.

The goal is not necessarily to become best friends with everyone at your company. But the more you can connect with others on a personal level, the more integrated you become into that company.

If you work remotely for a company and don’t do any of the above, I recommend you request these things. Otherwise, you are going to feel like you work on an island, and work depression can set in quickly.

Internet speed and reliability
When working from home, your internet connection is your lifeline. Without it, you’re left sitting at your desk twiddling your thumbs.

I’ve worked with people who tend always to have some internet issue. They either take forever downloading a large file (which wastes time), or their internet is not reliable, and they will frequently go offline.

Besides slowing you down (literally), it doesn’t put you in a positive light if you seem to have constant internet issues. Having a reliable internet connection is a vital aspect of working from home.

In addition to getting stable internet, spend extra money ($100-$300) on a reliable wireless router. The best routers are mostly set it up and forget about it and will work reliably for multiple years. The one I use has lasted over 3-years and is still going strong. I can even get a reliable internet connection from my front porch!

What if you are needed for a critical issue and end up losing the internet? Losing your internet connection can happen to anyone, but the more you can reduce this risk based on your internet provider and hardware, the less likely this will occur at the wrong time.

Sleep schedule
Being at the top of your game means you need to prioritize your physical wellbeing.

If you are always dead tired when you work at home, you are going to find it challenging to focus on the problems at hand. You also might end up taking your frustration out on your coworkers or managers, which is never a good thing.

In my case, when my sleep schedule is not consistent or if I’m having problems sleeping, my monitor feels like a gateway to hell. Words look like mush and issues seem impossible to solve. My comfortable work environment doesn’t make this any easier.

Save yourself pain and suffering by making sure you are performing at the top of your game. Figure out what sleep schedule works best for you and your family, and try to stick to it (during the weekdays at least).

Work schedule
In most cases, your remote employer will talk to you about the expectations on the hours you work. Whatever is decided and agreed upon, stick as closely to the plan as possible. And make sure you are keeping timezones in mind.

If you are scheduled to start working at 8 AM MST, make sure you are online at that time, and not 8:15 AM. Keeping a regular schedule relates to building trust with your company.

This idea might seem like a small issue, but having your managers wonder why you aren’t online is not a good thing. Coming across as flaky doesn’t put you in a positive light.

When you need to take off early, or take an extended lunch, make sure you communicate when you will be gone and about when you think you will be back. It’s not about having people micromanage your time; it’s to limit the possibility of someone looking for you and not being able to get a hold of you. Do this a few times, and people might start to wonder what you are “really” doing at home.

Have you ever tried to get work done with a small child yelling in your ear? It’s not fun, and it is incredibly hard to focus. Let’s face it: For some of us, a remote job – especially one where you might be your boss, may not be as fun as it sounds.

Having a distraction-free work at home environment will make your time more efficient. It also doesn’t help your work at home status if your coworkers think that you spend most of your time watching kids at home.

Luckily, my kids are older, and even when they are off from school, they keep themselves busy by playing outside or doing things on their own in our house.

In the past, I was interviewing with a possible employer for a remote position. At the time, my youngest daughter would have these tantrum fits (she was four years old at the time). During this video interview, she would storm into my office and start wailing. I’m convinced that part of the reason they didn’t make me a job offer was that they were concerned I didn’t have a place where I could work undistracted.

Work ethic
Having a solid work ethic is required while working at home. Would you hire someone to do a job who you thought was lazy?

Developing a driven work ethic takes time, and isn’t going to form just because you are working from home magically. It helps if you like what you do, and have lots of experience. It also helps in thinking about what you are working towards. Do you envision having this job long-term? Or are you pursuing financial independence?

Like any job, some days you might find it hard to work. But if you have an end goal in mind, this can help you push forward.

The goal is to work as hard as you can, to give you more options in the future. This goal might be more money, or the opportunity to switch to a different role that fits you better.

Optimize your home office
Being able to work from your home office means that you can define your work environment.

Improve anything that will help make your day more enjoyable. For me, I’ve grown to love working on Mac laptops, as I’ve found them to be reliable and I don’t have to worry about viruses (so I’ve always requested a Mac work computer). I also like to use a standing desk, and have decent speakers where I can pump up the music and enjoy some Kendrick Lamar.

Anything that is going to make you feel comfortable, relaxed (but not too relaxed), and helps you focus on solving problems, is money well spent. Some of these things you might have to cover out of your pocket. But you won’t know unless you ask!

A crappy chair that gives you back pain is going to become a bigger problem over time. Solve these types of issues early, and your future self will thank you.

More recently, I’ve converted to a Bluetooth keyboard and mouse, which has simplified my computer setup. I also have a USBC/Thunderbolt 3 doc that allows me to connect + charge my laptop with one cable to all of my workstation equipment: monitors, ethernet, speakers, charging cables, etc.

And for the love of God, please set up a computer backup solution! There are online backup services you can use, or like me, you could purchase a computer backup drive that is compatible with your OS. I use a WD My Passport drive, and it works flawlessly with my setup. I don’t have to think about it and know if I am connected to my workstation, everything is getting backed up regularly.

Be quick on your feet
Sometimes you are going to have to work on things that don’t fill you with feelings of butterflies and rainbows. But remember, working from home means there are hundreds, if not thousands of people who would love to do what you are doing.

Being a valuable remote employee means that you are willing to tackle things that make you uncomfortable, up to a certain point. If you push back on every task that is assigned to you because it doesn’t fit with what you want to do, eventually your employer might decide they need to find someone who fits that role better.

Don’t underestimate the value of being a kick-ass problem solver. Learning new things, or tackling problems that make your insides squeal, can often have you learning much more than if you only stuck to what makes you comfortable.

It takes skill and tact to understand what type of tasks to push back against, so I would advise you to move forward carefully until you know your value and your strengths.

Own your mistakes
When you make a mistake, own up to your part of the problem. Show your coworkers and managers how you are going to prevent this problem from happening again.

Owning your mistakes not only is the right mentality to have in general, but it reflects how valuable of a remote employee you are.

If you are continually looking for others to blame and playing the blame game whenever you can, this erodes how much people trust you. People will wonder if you are trying to cover your tracks and if you care about what happened.

You might work alone in your home office, but you are still part of a team. Show that you are a team player and care about the results and effectiveness of the team above everything else.

Working from home is a tremendous opportunity. You have more freedom with your time, and the commute is fantastic.

But just because you work in your home office, doesn’t mean you can take it easy and watch Netflix all day. Doing your job seriously, and improving your communication and organizational skills ensure that someone will most likely always be looking to add you to their team.

This content was originally published here.


About Our Reviews, Blog Posts, and Recommendations

Thanks for checking out our reviews, product recommendations, and blog posts! Here's a quick note about the reviews, recommendations and blog posts that I add to this site.

For products that are not my own - I usually purchase the products before I start a review or provide a recommendation. In addition, some product vendors provide me direct access to their products in order for me to properly complete my reviews. However, I absolutely DO NOT make any promises to them regarding the results of my tests or what I will write in my review.

Therefore, if you click a link that takes you to a sales page for a paid product for sale, then the link may be an affiliate link that I may be paid a percentage of the sales price should you decide to invest in it.


Time Management Strategies for Entrepreneurs You Need To Know and Start Implementing Right Away

Being an entrepreneur entails many professional and personal traits – all based on time management strategies for entrepreneurs. It takes a lot to be able to launch, execute, grow, and scale a business.

As a result, entrepreneurs have to be extra careful with every decision, and being able to manage their time correctly is an invaluable skill.

The Top Four Time Management Strategies for Entrepreneurs

1. Break Down Your Business (and Personal) Activities Into Simple Opportunities

Stop thinking of all the problems you are facing as things holding you back.  One should now think of such problems as “opportunities” that you need to engage in with an aggressive effort once and for all.

This strategy requires a lot more effort including adjusting your mindset. But  when you start to realize that your problems are all based on your current mindset – you will see most, if not all of your opportunities being handled and going away.

Dealing with the real opportunity – and not thinking about the “symptoms of the opportunity”, you can begin the process of breaking down such opportunity into smaller steps to achieve the desired results.

You see, you need to start engaging the opportunity head on and find the real root of the opportunity. Stop thinking so much about the symptoms of the opportunity…

Therefore, improving your time management skills and altering your mindset are the first part of these four time management strategies for you as a successful entrepreneur.

2. Complete And Utilize A Prioritization Schedule

We all try to complete everything that we set out to do – daily, weekly, monthly or yearly.

However, what actually happens is in the end, one really ends up spinning the wheels trying to complete a little of this – and a little of that…never really achieving everything one set out to accomplish anyway.

There are all kinds of “Mind Set” ways of planning and accomplishing one’s goals.

But, in the end – it all boils down to finding what is the most important outcomes desired, working to achieve the most desirable results only.

This all boils down to PRIORITIZATION.

You may ask, ok… but how?

The preferred method I am introducing to you requires 4 steps that you have to take to maximize your efforts and results in the most timely and efficient way.  Prioritize and complete your efforts in the following order:





* URGENT Tasks are those that are probably overdue or due very soon – and they require your immediate attention where dire consequences will happen. Urgent Tasks also will

* IMPORTANT Tasks are those that will have an effect on other things or people if they are not completed. Important tasks are also those that actually depend on other tasks to get to completion.

3. Get Some Wins – Start With A Simple Task

Many people are on the fast track to failure because they feel defeated when things they try do not work out…

One then gives up and begin to feel that they don’t have a chance for success. This leads to a high level of de-motivation each and every day, week and month.

We all want to feel good about ourselves. The best way to feel this way is to achieve some level of success – small or large.

Thus, the best way to start “winning” and have some success is by starting out small with some simple tasks each day – to get you started on the right an positive path.

Your daily, weekly and monthly productivity will jump into high gear when you start seeing some success.

And, once you start achieving some success, the harder and urgent tasks will be so much easier to achieve…leaving you feeling better about yourself and what you are trying to achieve.

4. Planning And Committing To A Long-Term Roadmap

Goal setting is a critical time management process leading one’s long term path to prosperity and financial success.

Long Term Goal Setting is mandatory…

These goals actually provide important data allowing one to accurately measure if they are really on track towards meeting goals.

There is no doubt that Planning – a repetitive task – can drag you away from your day-to-day activities.

However, creating a long-term plan allows you to better focus on your goals. It also helps you decide whether any new tasks that come up, are in line with your goals.

When you write down tasks and responsibilities that are crucial to your success, you can now see and evaluate the expected results.  These results can be measured monthly.

In addition, preparing a long-term roadmap also provides you a clearer picture of your weekly availability to complete other non-important tasks and responsibilities.


About Our Reviews, Blog Posts, and Recommendations

Thanks for checking out our reviews, product recommendations, and blog posts! Here's a quick note about the reviews, recommendations and blog posts that I add to this site.

For products that are not my own - I usually purchase the products before I start a review or provide a recommendation. In addition, some product vendors provide me direct access to their products in order for me to properly complete my reviews. However, I absolutely DO NOT make any promises to them regarding the results of my tests or what I will write in my review.

Therefore, if you click a link that takes you to a sales page for a paid product for sale, then the link may be an affiliate link that I may be paid a percentage of the sales price should you decide to invest in it.


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