This may sound a little strange, but there are actually ways that you can convert your taxable income into non-taxable income. You can also do this without worrying about getting audited by the IRS.
This is one of my favorite ways of dong this: Although this has been a part of our federal income tax code for over 30 years, many people still don’t take advantage of it. So what is it that I am referring to?
The IRA — Individual Retirement Account.
I can hear many of you say right now, “Oh, I know all about that one; what’s so great about an IRA?”? Just give me a little time, and I’ll explain three new benefits that the IRA rules have that you may not know about:
BENEFIT #1: How To Avoid Tax Rather Than Postpone Tax
First. There are actually now two kinds of IRA’s available.
The so-called Traditional IRA is the one that first came out way back in the 1970’s.
But there’s a newer version of the IRA that’s only a few years old. This one is called the Roth IRA. And the difference between these two IRA’s is very significant.
Your traditional IRA contributions are tax-deductible, which result in immediate tax savings. The growth of those contributions is also tax-sheltered while the funds remain in the account, but after some time all tax-deductible Traditional IRA contributions, as well as the growth of those contributions, will be subject to income tax when the money is withdrawn from the account.
In other words, Traditional IRA’s offer the opportunity to temporarily postpone taxes.
On the other hand, the Roth IRA offers the opportunity to permanently avoid taxes. With a Roth IRA, you don’t take a deduction for your contributions; instead, you make a contribution with “after-tax” dollars.
Whatever you put in not only grows tax-free, but can also be withdrawn tax-free.
Let me show you an example to demonstrate what I am saying:
Let’s say that you invest $2,000 per year for 20 years into a Roth IRA. At the end of twety years, you will have invested a total of $40,000. Now if that Roth IRA earns an average of 10% per year, that $40,000 will grow into $126,005.
Here is the interesting part: If we assume that the IRA has existed for at least five years, and you are at least 59 ½ years old, you can withdraw the entire $126,005 without paying tax.
On the other hand, if this money had been invested in a Traditional IRA, the entire $126,005 would be subject to income tax when it is taken out.
The $86,005 of growth is magically converted from taxable income status to non-taxable income status. Let’s assume that you are in the 15% federal tax bracket. You could possibly be saving $12,901. If you add whatever state income tax you might have, you could save over $15,000 in taxes.
BENEFIT #2: You can also take An Extra 3 ½ Months To put money into Your IRA.
The deadline for contributing to your IRA is April 15 of the year AFTER the year for which the contribution made.
So for Year 2015, you have until April 18, 2016 to fund your IRA.
If you’ve already invested the maximum (more about that in a moment) by December 31, 2015, then there is no more to do. You can’t put in any more money into the IRA for 2015, but if you haven’t maxed out your IRA, you have until April 18 to do that.
This brings me to:
BENEFIT #3: The Maximum Contribution Amounts have been increasing f
or many years. The most you could put into an IRA was $2,000. Now, the maximum is $5,500. (This assumes that you have at least that much earned income from wages or self-employment income).
And if you are over 50, you can put in another $1,000, bringing the total maximum to $6,500.
A married couple, both age 50 or older, can put a whopping $13,000 per year into a IRA. Not too bad if I say so myself.
Here is a final point about the Roth IRA rules: For a married couple, you can only contribute the maximum of $5,500 or $6,500 if your combined income is less than $183,000.
If you are single or head of household, you can contribute the maximum if your income is less than $116,000.
For most of us who are considered to be in the middle-class who are looking for a perfectly legal way to permanently avoid tax (rather then merely temporarily postpone tax), the Roth IRA is exactly what we need.
How do you get started on this? Well this is the hard part. Let’s examin how to actually implement this tax avoidance strategy.
“We’d like to save as much as we can for our golden years. But $11,000 a year? It’s hard to put aside that kind of money. We need every dollar we make just to pay the bills.” This could be your situtation, but a tax advisor or fund manager might find it easy to lecture you on why you should do it anyway. Realistically though; You’ve got to begin at some point, and you’ve got to start saving something, don’t you?
If you’d like to save for retirement, but think you can’t, it may be because you need to learn how to budget your money correctly. Also learn about other ways to boost your retirement income, check out this website:
Learn from this resource or other sources and go for it!


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Islamic Democrat Community Leader Charged with Raping Disabled
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it like if it’s coo & shit|shit save me a bd. by
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them a kid.|Short answer: Yes!
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Second…. parents don’t marry off their kids or
at least not under 18.
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This is all kinds of fucked up.|So happy I have a boy not a
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even getting>pregnag> just too much. God blessed me with a boy he knew I couldn’t handle
that|so let’s recap:
Adventure Time:all but outright said. group lost their jobs for
outright saying it. Kissed in finale.
Star vs the forces of Evil:same sex kiss in background
Steven Universe:Gay marriage
Voltron: introduced gay love interest. Killed off same episode.
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SexTipsLab Theatre Comedy SexTips Directing|So should there be some kind
of test people should go through before they are even allowed to have sex?
Perhaps some kind of forced sterilization that can be reversed when people meet certain conditions?
I mean that is the only way your idea would work.|So you
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stay alive?
fathers knew that having sex could result in a pregnancy that can produce a child that needs a kidney.
Actions have consequences, after all.
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her premium. That BM complaining about her
BD . That nigga posting his trash ass music
.|Some of the craziest sex I’ve had has been on ambien. I
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Get used to calling me dad, son.|That’s what the deep state always do,
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They also blackmail politicians with sex stories that we don’t hear about.
Like politicians who suddenly change their opinions or sell
us out.|That’s why non canon fanfics exist, they can express
what they wish would be canon but is not
So if I said Kirito was forced to have sex with Liz against his own will in front of Asuna
on floor 41 that would be canon based on your logic,
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sex met the definition of High Crimes and Misdemeanors.
Isn’t Trump telling subordinates to ignore the law worse?
ImpeachAndRemove …|The @GOP Congress said lying
about oral sex met the definition of High Crimes and
Misdemeanors. Isn’t @RealDonaldTrump telling subordinates
to ignore the law worse?
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exclusive to penetrative vaginal sex which
does not take into account other forms of sexual
oral sex)|The definition says engaging in sexual activity?
so french kissing? giving someone a hickey? oral?
anal? According to the definitions you provided sex is only sex if it involves
a penis penetrating a vagina, but that’s not the only type
of sex there is.|The hypocrisy of it all. The rapper, who was in Blurred
Lines, the controversial song about pushing
a woman for sex, makes his own 18 year old daughter prove to him she’s a virgin – while his younger son is sexually active and roams free.
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herself cause he said their connection was a fucking accident.
Olivia, stop some help.|THERES ILLEGAL PORNOGRAPHY IN THE SWSH GAME FILES.
now that i got your attention lets have sex|There’s
other ways to get pregnant love. Pre-cum, might be under the
influence , like there are other ways . People have unprotected sex all
the time that DONT end in pregnany. So you saying cause they
were both irresponsible then they should be forced to be parents ?|they also
block sex workers who post about them or tag them in stuff on instagram to distance themselves from
SWers but they literally CARRY pleasers (which are dance heels)|They
are also pushing from the kids angle. “If I can choose my sex, why can’t I have sex?” that kinda bullshit.
Notice they forced the trans thing down our throat so that
argument can come later|They have included background
same sex couples kissing in an episode of Star vs The
Forces Of Evil|They want to have a Nanny State that
raises the kids. They want to force their
ideology onto OUR children. They want to CREATE “dissfunctional”
families so they can come take the kids when the parents says HELL NO to sex changes.|They’re not actually teaching kids to have anal sex it’s
from a republican propaganda website. I legitimately
looked up the schools website and criteria they teach for sex ed in each
grade and nowhere in there do they say anything about teaching kids
that.|Things overheard at the gym: “I’m good with anything – I’m easier than Algebra” and “You look like a pumpkin spice latte had sex with Tinkerbell and gave out blowjobs”.
Gymlife|This is a lot. RT @NYDailyNews: Mom didn’t allow her 40-year-old son to have sex in her house.
He then picked up her dog and launched the pooch 18
feet across the|This is LESBIAN sex education material put
out by LGBT.
Lesbians DON’T have a penis.
Conversion therapy within LGBT.
We need LGBAllianceUS …|this is my favourite tweet of all time|This is where the dream ended.
I’m not sure what it means. I have not watched Seinfeld in a couple months, so I know there is a reason for the dream.
I pray there is a reason for the Seinfeld dream.
One of the most important dreams behind sex dream and death dream.|This was one of my first stories back in the early days of Tumblr and I
still like it! We Met At a Sex Party|Time for a little nudes giveaway
RT or like to enter I’ll contact you in DM hotlesbiansex lesbiansex
conor mcgregor|TISM – Everyone Else Has Had More Sex Than Me.
Flash Video Animation by Bernard Derriman. — Videos daily, PM
to add yours. Furrymusic furry furries|to the what?|Tripathi penned an entry for a sex diary feature that “detailed
a week of obsession, rough sex, and Ambien.” So this is the guy Nate’s goin all in withNot
to mention the obvious here, HELL NO HE DOES NOT GET CREDIT OR
A “GOOD DAY”, ask kids in cages if they’ve had good dayp>|TRUST ME, it hurts more finding out that your partner faked their feelings or only wanted you for sex deep in the
relationship than it does when you tell them
at the start and be upfront|Try to follow along. No one called him a dictator.
Scheer wanted to acknowledge mothers and fathers for adopting.
I wanted to know whether that included same sex couples.
You assume it did. I pointed out his track record opposing same sex rights.|Tue Jul 9
7:00PM Sex Tips For Straight Women From A Gay Man Anthony Cools Experience – Paris
Hotel & Casino, Las Vegas, NV …|tumblr post:
hey please stop spreading misinfo about pride! anyone can go and anyone telling you its basically a public freaky sex party in front of families is probably a
homophobic liar!
someone else: hmmm but i heard that there was actually people fucking on parade floats so|tumblr sex positivity made
a victim of all parties i think|U gotta be one freaky weird
mafucka to post sex memes & shit .|ugh i hate when my siblings are dickheads to our parents because they do everything for them, and just get shit
on, and then they take out all their frustrations they have towards them out on me when im just tryna chill and
love them|uh HOLY SHIT. I just saw that ellen page Kate Mara sex scene and uh yep I’m not just gay…
I’m SUPER GAY|Violence hurts people. There is a victim in violence.
True same-sex love does not have a victim, does not hurt anyone, and does not encourage hate.
Internalized homophobia, or hating yourself for feeling romantic
love toward someone of the same sex, is a form of
self harm.|Waa di rules to No Nut November
?
Yuh nuh fi cum none a tall or yuh nuh fi have sex fi cum ?
Cos mi cum couple time but a me dweet.
Mi still inna di race ?|wait haha.. my boyfriend’s into directing
and tv production… does this mean i can hire him to direct and
film our sex tape?? haha.|War: I really hurt my wrist the other day
Pestilence: Was it a sex injury?
War: Im a fierce warrior. Just because I’m seeing someone does not immediately make everything a sex injury.
Pestilence: But was it?
War: …. Yeah okay fine it was a sex injury|Watching Sex Tips for Straight Women from a Gay Man for the second time tonight
lmao yay|We don’t have to adjudicate anything.
Women are EQUALS to men. We have a RIGHT to orgasmic sex w/o being FORCED
to gestate. Bc can fail, couples who never want children deserve to
have intimidate sex w/o being FORCED to gestate.
Abortion is and will always be legal. Get over it!|WE HAVE AN
UNRAVELLING OF BASIC RULES OF RESPECT BECAUSE OF THE BRAINWASHING OF THE MAFIA MEDIA
PROMOTING A MAFIA SECRET SYSTEM OF VIOLENCE LINKED TO CANNIBALISM, ETHNIC CLEANSING, DEHUMANIZATION, SEXUAL
ASSAULT, AND SEX OR RACE CHANGE, AND FORCED MARRIAGE OR PUPPET MARRIAGE.|Weird
thing to think about, but I wonder if all those kids on Tumblr who were basically “cancel anything that focuses on/supports sex and porn” will become the conservative party in 15-20 years|Well sex phone
operators is a real profession. So I think your just trying to sound smart
or significant. Maybe he was giving you a great job recommendation due
to the fact there salaries are probably really high for woman and
not so for men in that industry.|Wendy: I bet you and Bobby have wild circus sex…
Whitney: *sigh*… Wendy don’t make me meet you outside
cc: @sawngbyrd28 @Says_LifeAsKing @sexxielexxie @Mndspeak88|What
a stupid question to ask your kids, why don’t
you ash the kids if the have sex regularly? Or is gender confusion is a physic or physiological disorder?
I think the teachers are confused about natural sciences? Let them
wait until they can reason better! Wow|What about Marc|What do you
want to feel when you’re having sex?
Anyone?? Give me some good answers.
RT. for more answers. Ty.|what he wants, like listen here you little shit,
R E S P E C T, learn it and then come talk to me ya lil bish|What if I take Ambien then have rough sex in my
sleep?|What is your problem right now???
A- money
B- house
C- car
D- food
E- business idea
F- business capital
G- boyfriend/girlfriend
H- expensive phone
I- husband/wife
J- where to go flex
K- sugerdaddy/sugerboy/sugermommy
L- school fees
M- school life
N – job
O- time
P- sex
Dm me|What is your problem right now???
A- money
B- house
C- car
D- food
E- business idea
F- business capital
G- boyfriend/girlfriend
H- expensive phone
I- husband/wife
J- where to go flex
K- sugerdaddy/sugerboy/sugermommy
L- school fees
M- school life
N – job
O- time
P- sex
Q- data|What is your problem right now???
A- money
B- house
C- car
D- food
E- business idea
F- business capital
G- boyfriend/girlfriend
H- expensive phone
I- husband/wife
J- where to go flex
K- sugerdaddy/sugerboy/sugermommy
L- school fees
M- school life
N – job
O- time
P- sex
Q- data|What is your problem right now???
A- money
B- house
C- car
D- food
E- business idea
F- business capital
G- boyfriend/girlfriend
H- expensive phone
I- husband/wife
J- where to go flex
K- sugerdaddy/sugerboy/sugermommy
L- school fees
M- school life
N – job
O- time
P- sex
Q- data|when I see certain sex positions in videos I’m always more concerned about their
well-being. Lol like don’t pass out but have your fun.|When my cousin and I get together we always hash
out Sex stories lol|When people who don’t
know you might think you like rough sex when in reality you probably were on ambien and banged yourself into something you can’t remember|When saw we thee a
stranger, n took thee in? or naked, n clothed thee? when saw we thee sick, or in prison,
n came unto thee? The King answer them, Verily I say unto you, Inasmuch as ye
have done it unto one of the least of these my brethren, ye have done it unto me.:
25:38-40|When we storm area 51 I’m finna find a freaky girl to have an alien threesome
>meme> >se> >alien> >Area51meme> >area5>|Where do I begin she
comes off as THIRSTY I just she screams “attention to me” like girl chill she want that lavish single free lifestyle, I just don’t see her being a mom
, she is always sex this ,sex that on her Instagram|Whoopi also told
a 15 year old that she will have sex with him in 10 years
Now
Imagine being a 15 year old boy
And
Being told by an older woman
That she was going to have sex with you
Whoopi is a …|why do instagram car memes always use the
shittiest top text bottom text 2012 humor|Why do my cousin think I wanna hear his sex stories|Why the hell should anyone
take questions from people shouting ,disruptive, & trying to ask baited ?s like “how does anal sex help us win” or pushing holocaust denial.
It’s ridiculous & ultimately hurts the group.
Stick to ?s about immigration, non-intervention, & nationalism.|Whyyyyy is tinkerbell …..wait does this count as interracial or Interbestial sex|why’s everyone tweeting about these sex stories with their cousins ????¿¿|Wonder how many
books are based on a Hollywood “celebs” having consensual sex with a powerful man then determining it was “rape” because his power to get what he wants
overcame her will to say “No” but didn’t! Which is a mirror of the real world!
MGTOW MenToo Men Misandry|Would also accept: the “oh
no there’s only one bed” trope, fake date, drunk>lov> confessions, alien>se>
pollen, hurt/comfort, etc. Honorary mention: happened, but only in digital simulation>|Wow
why does sex have to hurt for women?? That’s not fair!
Lmao damn I’m just realizing so many things|Wow. Sorry not the same as
sex. That’s getting fingered. Are oral sex. Enough of your making your own definitions up.
It’s childlike and silly. Sex is sex. The end.|Wrong.
Sodom and Gomorrah where sodomy comes from shows that it is sexual dominance.
The mob wanted to gang rape the angels. Gang rape is what?
Sexual dominance. That’s where sodomy gets the name from. Modern definition of sodomy means “oral or anal sex”.|xp0vtl I have a kinky surprise for you) RT
this and I will DM you سكس SEX GtV|Yea I could have sex with her.
But I really don’t want to get married to an older woman. Yes I could teach her about stocks and how to invest but she can’t tell anyone…she needs to promise.|Yeah actual scene
in Star Vs The Forces of Evil where a couples kiss has
a few same sex couples around two of the mains kissing.|Yeah it does seem
to be quite odd that a perfectly happy married couple just because they’re the same sex hurts their sensibilities more than this married man who can’t quite seem to keep his dick
in his pants and even lusts after his own daughter.|Yeah
sports players having sex sounds like a good one, but dantecand vergil
from devil may cry are sexy and popular at the moment, also
so is tom x marco from star vs the forces of evil|Year: 2019
Version: 0.13 Update
Genre: all sex, 3d sex game, family, daughter, seduction,
visual, big boobs
Category: Adult Sex Games
Platform: PC Game / Windows
Censorship: No
Language: English
This Adult Game Presents: allsex bigboobs Daughte|YES!
At my first full time job, my new boss called me and then made the comment that I had the
voice of a phone sex operator. I responded, “I wouldn’t know.
I’ve never called one.” His stammering and backpedaling still bring me
joy over 20 years later>|Yes, POTUS likes to use his laser
pointer and pretend he likes people to draw attention to them,
too. Like “trusting” Giuliani, who covered up child sex trafficking and satanic ritual abuse at West Point decades ago.|You have not argued policy…it’s like a jealous lover attack…Trump raped at least 18
women yet nothing, cheated on all his wives…nothing and a single
young black woman had sex with an older black male and now it disqualifies her for presidency….|You men seem to think taking care of your kid, cleaning
your house, cooking your meals, & having sex with you isn’t a job…
and he won’t even buy her a phone… pleazzzze… he’s getting better end of the deal!|You told your cousin? Was she surprised/shocked by
your “sex storie>” of you and your drawing pens?|your
mcm j*rking off to a pic of tinker bell having sex with a roach|‘It’s not loving someone of the
same sex that makes being gay hard, it’s homophobia, it’s not being a woman that makes life harder, it’s sexism and it’s not the passage of
time that makes getting older harder, it’s ageism’ from the awesome Ashton Applewhite >thischairrock>|“Oooo we could film
a weird sex tape!” Me upon realizing our security camera has night vision>|“The real problem with Game of Thrones is not the sex and violence,
but the negative portrayal of religious fundamentalists.”|“When you have kids, your sex
life with your partner goes through a number of radical changes
throughout the years.” — >averagedonjua>|• in 8/10 cases of rape, the victim knew the perp
• almost half (49.5%) of multiracial women are subjecteg>g> sexual violence
at some point in their lives
• 20-25% of women & 15% of men in college will ng>forcedtohaveng> during their time in college
/p>|Si wey neta porque que miedo que tu justificacion sea “bienvenida a las redes
sociales” porque en ningun lugar dice que facebook,>instagra> o twitter es para online>se>.
Por gente como tu es la razon de que personas sigan pensando que tienen el derecho de hablarle a alguien asÃ>|¿Un jabalí con la grasa de color
…|Punjabi maalkin ki Bhojpuri servant se chudne ka sex mms -|Best Couples
Sex – …|Celui qui film c tjr la même MDR c tonton marccel des sextape|Dans ce cas casse
toi d’ici en fait, c’est bien beau de cracher dans la soupe mais en attendant t’est bien contente qu’en France t’ai le droit de pondre des conneries sur twitter.
Dans d’autre pays ca aurait été goulag/prison/camp de travail forcé.
Mais bon, ptet tu prefere ca…|Gauchiasses*|H2in comment sa ?
Il fait des film l’autre des sextape comment sa il a plus niquer son image|Il y’a des sextape de
stars qui on déja fuité et sa les empêche pas de passé a la télé de faire des concert
ou des film et ils ont des fan de toute age pourquoi faire les choqué|Les infos d’un des gars sur
la vidéo, jvoudrais bien les retrouver moi même mais flemme j’habite trop loin|Les rappeur vos pote y son pas pro y film vos sextape et il vous affiche
après|on a vu Heuss faire une sextape, maintenant Fianso tout en gardant ses
chaussettes la prochaine qu’on verra c’est Kalash Criminel avec sa cagoule en train de defourailler une meuf avec encore un pote qui film à côté je
pleure|Only , no frauds (même si le son il puait de base),
High school, rich sex|Sextape c’est tous des sales en vrai, c’est son pote qui film et
tout|Sextape mdr (ça encore je m’en fou malgré le
fait qu’il soit marié) mais il sort de la meuf
et il dit “ouais sale pute” et c’est un de ses potes qui le film?
Chelou|Ta déja eue du sex teelllement nasty et freaky que tu peux même pas en parler avec quelqu’un?|Vous regardez des films de cul chq soir mais ça
vous choque que Fianso il fait des sextape mdr analyse|Y’a quelques jours c’était Heuss lenfoiré mtn c’est fianso dans la sauce pour une histoire de sextape, les mecs qui film baisez leur
leur mère ils méritent que ça|Bande de fous.
Vous dites que Fianso a fait une sextape alors qu’il a juste tourner une scène de son film.
…|Jom khawin?|Aneh gk kalo aku, cowok, ngerasa kayaknya lebih
pengen cuddle ketimbang sex?
Gimana ya, aku byangin kyk itu momen yg perasaan kita sama2 disitu, pelukan, sentuhan lembut satu sama lain
Kyk ngerasa bener2 disayang gitu, ga sendirian
Apa krn aku aja yg kurang kasih sayang yak?|Hi3 kalau xsalah…nk bela
diri kes apa?|Idk why virginity means everything for our society
Smntr laki2 bhkn gk prnh ditanya keperjakaannya
Kl trnyt ni cwo ujng2nya minta ngewe jg, ya tai sama aja
Dia mrh bkn krn cweny udh sex di luar nikah, dll
Tp ya krn dia cma pengen ngerasain lubang perawan aja,
tai lah|EROTiC CiNEMA: Sex Positions Video Tutorial
(2000’s) …|href=”/hashtag/%E7%A8%BC%E3%81%8E%E6%96%B9?src=hash” data-query-source=”hashtag_click”
class=”twitter-hashtag pretty-link js-nav” dil>稼ぎ方初心者でã‚きるパー/b>|あのさ
副業紹介してくださいって人って多い?
需要あるかわからないけど
固定ツイートに私が今稼いでる副業の詳細のせておきますね
もちろん無料ですから笑
★≡=―
副業さがしてます
仕事つらい
|うわあ、朝からイヤなもの見ちゃった。
何が辛くて何が平気かなんて、それぞれ違うのに、自分ができたからあなたも耐えろって傲慢だな。マウンティングしたいのかなあ?|今はかわいらしいからいいんじゃね?|職場で昨日の事件の後初めて顔見知りの人に会ったから先輩に聞いてもらおうかと思ったけど先輩も女性だし不安にさせちゃうかなー言わない方がいいかなーって思ってたら
昨日の話してた友達からの電話きて「大丈夫よ」とか言ってたらなんかあったの?って先輩に聞かれて全部まるっとお話してしまった|뭐야
시훈영진 뒤에서 달달한 거 다 했ooong> 뒤에서도 박 터지게 싸우는 줄
알았는데 뭐야뭐야 배신감 느껴 진짜;; 그런 의미로 달달 AU 빨리 해!!!|RUPNA CHAKMA SEX VIDEO …|Nu
een sexdate met: Sex contakt met Tinkerbell …|sex shops
me seguindo no instagram. me sentindo o orgulho da nação|yngrid em quem você acredita ?|Sera que to “ganhando” dinheiro da forma errada????
…|A couple (same sex)
Halaaa asa kha rn imung uyb HAHAAH
Me thinking (unsay pagtuo ninyus akong uyb pareha ninyu and wanas among listahan ng mag flirt2 ug lain no like enough
na namo nga naa nami uyb)
One year later
Naa nas layu iyang partner
Ang babae nagflirt2 nasa|Am I ready for today?
Kailangan HAHAHAHAHA WIIIIE|Masarap yan, pero problematic ang definition ng versa top dyan. You become
a versa hindi dahil sumusubo ka lang, Kundi dahil nagpapakantot ka rin kasi but it’s that you’re leaning more into topping most of
d time. Having oral sex doesn’t define d roles if v, t or b.
Just a fact.|perfect dildonude sex party picturesgay big dick tumblr|Princess Kylie SEX Scandal
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