where to retire on $2,500 per month

Here are the top considerations regarding finding the best place in Canada to retire. I will add the best places to retire worldwide to my to-do list. The offers that appear in this table are from partnerships from which Investopedia receives compensation. There is the Canmore Seniors Association, a highlight of the town. Is $6 Million Enough to Retire at 50? Social Security provides benefits to retirees, survivors, and disabled workers. If You Do This, You Won't Have to Worry About Them, Join Over Half a Million Premium Members And Get More In-Depth Stock Guidance and Research, Motley Fool Issues Rare All In Buy Alert, Copyright, Trademark and Patent Information. alex in san jose AKA digital Detroit 01/09/2019 at 9:42 pm - Reply. 2016 - 2023 Enoch Media Inc. All Rights Reserved. Not only is the cost of living low, but so are the property taxes. "The cities I visited in Peru offer the highest standard of living for the lowest price that I've seen, especially for singles," he said. He has a masters degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. Theres easy access to Toronto, so while you can access plenty of amenities and medical services in Burlington, theres much more in the nearby metropolis. Detailed preparation is necessary to retire 14 years ahead of the average retirement age. So what's a strapped soon-to-be senior to do? This could be anything from the temperature to the number of hiking trails near you. Published: April 3, 2021 at 8:50 a.m. The concentration of doctors and how many people live in your desired area is something to consider so you can get medical care when you need it without any hassle. Medicaid, for example, is available to low-income seniors, and you can have this coverage along with Medicare. Couples can live in San Miguel de Allende for $1,857 a month or $22,284 a year. The safety of Portugal, which is ranked 6th in the Global Peace Index is highlighted in the report which also details the high-quality healthcare, both public and private, fresh drinkable water, reliable electricity and high-speed internet, easy to-navigate roads, and large expat community of over 500,000. These kinds of decisions can be tough, but they can make your transition to retirement on Social Security benefits a much smoother one in the long run. To learn more about rent affordability, visit our, One sec, gathering the AddressRentTrendsContainer, One sec, gathering the Nearby Pet Friendly. Geoffrey Hinton, a pioneer in artificial intelligence, is concerned about what will happen if AI gets into the wrong hands. The downside of the weather is that it can get extremely cold during the winter. In the Gallup poll, for example, just 25% of non-retirees say they are saving enough for the day when they quit working. Jeremy Woodhouse | Holly Willmeth | Getty Images, Colors and Shapes of Underwater World | Getty Images, Daniel Garzn Herazo | EyeEm | Getty Images, Andrew Graham, founder and managing partner of Jackson Square Capital, Taimur Hyat, chief operating officer at PGIM, Dave S. Gilreath, partner/CIO, Sheaff Brock Investment Advisors and Innovative Portfolios, Op-ed: Investors need to wait it out before snatching up software stocks, Op-ed: Cryptocurrency isn't a smart investment and hasn't been for a while, Op-ed: Here are 6 stocks with excellent vital signs in the health-care sector. The top best places to retire in Canada have excellent lifestyles with plenty of doctors, but theyre very expensive. WebMy name is Aron Zapatero and I'm a 20 year old entrepreneur and last year, throughout all of my businesses, I netted around $50K per month. InternationalLiving.com correspondent Bonnie Hayman lives in San Juan del Sur in a two-bed, two-bath home on an acre with ocean views that she bought for $132,000. What Is the Full Retirement Age (FRA) for Social Security? For many people, the goal is to be able to treat Social Security as a supplement to retirement savings and income. When choosing a city to retire in, it's important to consider cost of housing, groceries, healthcare and overall livability. Healthcare in retirement can be extremely expensive, so you need a plan to pay for it, especially if you have an existing medical condition. Can I Transfer RRSP Funds To A TFSA Without Penalty? Ottawa is one of the best places to live in Ontario. Learn how Social Security works. Social Security Administration. Kelowna is a fantastic place for retirees, but youll pay for the luxuries available. You make $65,000 a year after taxes. Savings accounts have a 3% return, generating $30,000 per year or $2,500 per month. Copyright 2023 Entrepreneur Media, Inc. All rights reserved. What is the Best Age to Retire in Canada? If you can handle the chilly winters, Winnipeg offers a lot for retirees. Retirement readiness refers to the state or degree of being ready for retirement. The average monthly retirement benefit is $1,485.63, whichdepending on where you live and your expensesmay or may not be enough to live comfortably. Youre going to have your preferences when it comes to the best place to retire in Canada. How to Live on $2500 Per Month Mortgage: $845 We moved to a bigger city with much more expensive housing. She has conducted in-depth research on social and economic issues and has also revised and edited educational materials for the Greater Richmond area. Your FRA will depend on your birth year, but it's age 67 for anyone born in 1960 or later. If youre flying solo, you can call these places home for even less. For $2000 per month you could have a very comfortable life in a tropical country with great food and a fantastic lifestyle. Spousal benefits are available to those who are married to someone eligible for Social Security. This may impact which products or services we write about and where and how they appear on the site. Despite financial advisors' best efforts, the average American doesn't have very much saved for retirement. Relocatingwhether it's moving to a state with a lower cost of living or retiring abroadmay help your Social Security dollars go farther. Published: March 27, 2021 at 10:35 a.m. "Learn About Retirement Benefits. Quitting your day job doesn't mean you can't have an additional and extremely lucrative income stream. Send us your comments or opinion on this article. The Amazon founder and billionaire was with partner Lauren Sanchez and famous friends, Kris and Kendall Jenner. - 01 May 2023, 13:01, In Lifestyle, Health While Medicare can cover some of the costs once you turn 65, it doesn't pay for everything. You've likely been drinking Colombian coffee most of your life, so why not try retiring at the source, in the country's so-called "Coffee Triangle" region of Paisa? These Canadian cities all offer a lot for those of you who are ready to retire. Web85 likes, 19 comments - Share Scoops (@sharescoops) on Instagram: "Give your future self a present Slide for the numbers Every $10 " To reach your goal, youd need to invest $900 per month or 17% of your income. The content has been updated. Youve worked hard your whole life, and now its time for you to enjoy the Golden Years. If you've still got time before you retire, consider looking for ways to build up your savings. To add a city-center one-bedroom apartment would If you've managed to make your housing more affordable, the next step is reducing other line items in your budget, such as utility bills, transportation expenses, and food costs. You can learn more about the standards we follow in producing accurate, unbiased content in our. - 29 Apr 2023, 18:01, In Lifestyle, Home & Garden This city has a high doctor per capita rate with low property taxes if you can afford the initial purchase of a house. As of March 2023, the average spousal benefit amount is around $898 per month, according to the Social Security Administration. Featured. How much you receive depends on your age and income. Fredericton is also a great place for nature lovers who want big-city amenities. The interest would be $5,475 on total deposits of $22,000. Peru offers a host of contrasts, from mountaintop ancient ruins like Macchu Picchu (pictured) and Colonial-era cities to pristine ocean beaches. Even if the countryside isnt your thing, there are a number of places where you could live on $2,500 or less a month, including Lagos, Coimbra and Porto, International Living tells MarketWatch. Could you ditch cable TV, for example, in favor of watching TV online? Big cities like Vancouver and Toronto have the highest housing costs in the country, which could put a big dent in your retirement savings. If you like to ski or get in on outdoor sports, there is downhill skiing, cross-country skiing, outdoor rinks, and much more. The 2023 Annual Global Retirement Index compiles information from a network of editors, correspondents, and contributors from across the globe to put together the ranking. According to a 2019 Gallup poll, 57% of retirees rely on Social Security as a major source of income, while only 33% of near-retirees say they expect Social Security to be a major source of income once they retire. Data is a real-time snapshot *Data is delayed at least 15 minutes. When you buy a home, its considered an asset, and how well it will appreciate is also a consideration. If you file for spousal or divorce benefits before your FRA, your monthly payment will be permanently reduced by up to 30%. Where should I retire? Could you swap an expensive hobby like golf for a low-budget one like gardening? Fidelity. That means if you decide to make a purchase or sign up through these links, we may earn a commission at no cost to you. This makes it easy to determine where youd like to live. The content on this website includes links to our partners and we may receive compensation when you sign up, at no cost to you. Cincinnati, Ohio. Sign up now to join thousands of other visitors who receive our bi-weekly newsletter and latest personal finance tips. % "How to Plan for Rising Health Care Costs. We also reference original research from other reputable publishers where appropriate. For example, lets assume that youre 27 years old and plan to retire at 67. Its very affordable, however, even with higher than normal property taxes. To qualify, you cannot currently be married, and your previous marriage must have lasted for at least 10 years. Rebecca Lake is a journalist with 10+ years of experience reporting on personal finance. "Table 1300. Zumper is built by passionate people in San Francisco. Spain was ranked in sixth position followed by Greece, France, and Italy. There are ample medical facilities, including a hospital with over 700 beds and a decent amount of doctors per capita. Freelancing One of the most popular ways to make extra money is by working as a freelancer. Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score or Lower, Personal Loans for 670 Credit Score or Lower. But regardless of whether you qualify for retirement benefits, you could also be entitled to spousal or divorce benefits. The Bureau of Labor Statistics estimates that people ages 65 to 74 spend approximately 34% of their household income on housing each year. When it comes to the best place in Canada to retire, there are a few things to consider. Property prices are extremely low, which should help offset higher property taxes. @Kev: You are right, thats the avg price for condos. But by depositing an additional $100 each month into your savings account, youd end up with $27,475 after 10 years, when compounded daily. New Brunswicks basic medical insurance is government-funded and includes most medically required services. But before you count your cash, Remove multiple copy/paste instances of Quebec: for the doctors info for Kingston, Calgary, and Charlottetown. But $6 million can be a substantial source of investment income. Although its quite large, Vancouver is very safe, and BC itself has the best medical system next to Switzerland and Sweden. You can still enjoy big-city amenities with plenty of medical facilities. This is an excellent retirement spot for those who love fishing or boating. They bought a piece of property on the sea. Quality of life also includes the amount of crime in the area and how safe it is. If youre looking for the cheapest places to retire in Canada, this is definitely one of them. One sec, gathering the scores and pois info, * Ideally, your monthly rent should be one third of your combined household income. info@theportugalnews.com, 2023 The Portugal News - Established 1977. If youve saved a good amount of money for retirement, you still want to be cautious about where you decide to live. Its important to consider how much property taxes youll pay in the desired locations. Invest better with The Motley Fool. If youre relocating and need to find another doctor, its important that you can get one. When looking at the best place to retire in Nova Scotia, you can bet it will cost less in property taxes than in a big city like Toronto. A new report by the World Economic Forum found that nearly 2% of current roles could disappear by 2027. Its 1,660 square feet with 3 bedrooms and 2 bathrooms, with key amenities like permission to keep a dog and/or cat and a fireplace. The warmest place to retire in Canada will likely be a larger city. So, your total income (not counting the annuity) is $18,333 per month or $219,996 per year. As its ultimately the hub of the East Coast, this is where the doctors and healthcare facilities are. Among the lessons below: the brilliance of a "treasure hunt merchandising philosophy.". AI 'Godfather' Quits His Job at Google Warning of 'Scary' Outcomes, One Founder's Super-Sized Side Hustle Is Helping Small Businesses and It's On Track to Generate More Than $50 Million This Year, What Thomas Edison, Sarah Michelle Gellar and T.J. Maxx Can Teach You About Savvy Entrepreneurship, Jeff Bezos Was Caught on Video Dancing at Coachella, But It's His '$12 Amazon Shirt' That Has the Internet in Stitches, AI Could Eliminate Millions of Jobs By 2027, but Cognitive Skills Are Increasingly Important for Employers, Digestible insight on how to be a better entrepreneur and leader, Lessons for starting and growing a business from our expert network of CEOs and founders, Meaningful content to help you make sharper decisions, Business and life hacks to help you stay ahead of the curve. Alternatively, you may want to be part of a quieter, close-knit community where people are more friendly. In this article, we take a look at the five best-value retirement spots on our beat. Its affordable and is a fairly big city on its own. "Fact Sheet: Social Security," Page 1. Get up to 5% cashback with the best prepaid card in Canada, plus $20 free with CASHBACK code. Living in the Okanagan has many perks, like four seasons, dry weather, lakeside communities, and a wine country. Social Security Explained: How It Works, Types of Benefits, Old Age, Survivors, Disability Insurance (OASDI) Program Basics, Definition of Retirement: Tips for How to Save, Plan, and Invest, Monthly Statistical Snapshot, August 2021, More Nonretired Americans Expect Comfortable Retirement, Table 1300. "In some of these havens, it's possible to live well off a modest Social Security check alone," the site claimed. Amanda Breen In this example, you would only have to charge $100 per night to make $2,000 a month. Social Security benefits are a significant source of income for millions of retirees, so it pays to maximize them the best you can. 2. The average housing cost in Winnipeg is $374,000, not $34,000. . Monthly Expenditures: $1,629.13. Here's What to Do. Costa Rica Costa Rica tops this years list for its low cost of living (around $2,000 a Its not one of the warmest places to retire in Canada, so if youre hoping for mild winters, Ottawa probably isnt for you. Thanks for your great work! 2022 Average 1 bedroom Rent: $795.22. 2022 Average 1 bedroom Rent: $795.22. Cost of Living: $1,300.10 per person, not including housing costs, Weather: Average Max Temp Summer: 22C/Winter: 8C, Cost of Living: $1,256.80 per person, not including housing costs, Weather: Average temperature Summer 23C/Winter 0C, Lifestyle: Big city, affordable lifestyle, friendly people, Cost of Living: $1,166.00 per person, not including housing costs, Weather: Average Max Temp Summer: 27C/Winter: 0C, Lifestyle: Welcome to retirees, touristy, laid-back, Cost of Living: $1,313.60 per person, not including housing costs, Weather: Average Max Temp Summer: 27C/Winter: -11C, Lifestyle: Family-oriented, historic, peaceful, Cost of Living: $1,261.30 per person, not including housing costs, Weather: Average Max Temp Summer: 25.5C/Winter: -15C, Lifestyle: Small-town quaintness with amenities of a big city, Cost of Living: $1,283.20 per person, not including housing costs, Weather: Average Max Temp Summer: 25C/Winter: -4C, Lifestyle: European charm, heritage, quaint, Cost of Living: $1,256.70 per person, not including housing costs, Weather: Average Max Temp Summer: 25C/Winter: -3C, Lifestyle: Moderate pace of life, healthy, Doctor per 100,000 people in Kingston: 138, Cost of Living: $1,021 per person, not including housing costs, Weather: Average Max Temp Summer: 23C/Winter: -1C, Cost of Living: $1,389.00 per person, not including housing costs, Weather: Average Max Temp Summer: 21C/Winter: -2C, Lifestyle: Fast-paced, friendly, business, Doctor per 100,000 people in Calgary: 143, Cost of Living: $1,232.70 per person, not including housing costs, Weather: Average Max Temp Summer: 20C/Winter: -6C, Cost of Living: $1,378.56 per person, not including housing costs, Weather: Average Max Temp Summer: 23C/Winter: -4C, Lifestyle: Small-town friendliness, nature, easy living, Cost of Living: $1,168.80 per person, not including housing costs, Weather: Average Max Temp Summer: 27C/Winter: 2C, Cost of Living: $1,288.07 per person, not including housing costs, Weather: Average Max Temp Summer: 23C/Winter: -3C, Doctor per 100,000 people in Charlottetown: 138, Cost of Living: $1,221.50 per person, not including housing costs, Weather: Average Max Temp Summer: 26C/Winter: -11C, Lifestyle: Big city feeling, friendly, artsy, Costs of community activities and attractions. Entrepreneur and its related marks are registered trademarks of Entrepreneur Media Inc. If you want to experience culture and a wide range of restaurants, a city like Vancouver or Toronto could be right for you. And capital Guatemala City boasts world-class health care at a fraction of U.S. costs. Rent prices will be reflected in how much housing is in the area. If you have chronic conditions like arthritis or fibromyalgia, youll want to consider a place that is warmer and more humid. These strategies can help you successfully navigate your finances during retirement. The crime rate is low here, and they have made it appealing for retirees with low property taxes and affordable housing. In Finance, Lifestyle, Portugal The typical U.S. resident between ages 55 and 64 has just $104,000 "in the bank" for those fast-approaching golden years, according to the federal General Accountability Office. Prime Visa $150 Amazon gift card and 5% back on all purchases, up to $2,500, for three months after account opening Amazon Visa $60 Amazon gift card and Retire Early. Learn how your comment data is processed. Some of the best places to live in Canada are also the most expensive. 0 Comments. Full retirement age is the age at which you can receive full Social Security retirement benefits. For just $5 a month, you get unlimited access to all of Entrepreneur.com, including our premium content. - 29 Apr 2023, 09:01, In Lifestyle Burlington is a leisurely small city with 115 parks, so its a great spot for nature lovers. Should I Put My Money in My 401(k) or a Roth IRA First? A phased retirement includes a broad range of arrangements that allow an employee nearing retirement age to continue working with a reduced workload. You may have already created an intensive checklist to help you find your retirement location. Moving to a less expensive home can have a significant effect on your monthly cash flow. If youre looking for the cheapest places to retire in Canada, Canmore will not fit the bill, with average housing prices close to or over a million dollars. Its an exclusive area with a vibrant community for seniors. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. % "I would never have been able to live in an ocean-view home in the States," she said, noting she only pays $151 a year in real estate tax. He has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, CBC News, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, and many other personal finance publications. Retirement is a time to enjoy life to the full but it is important that you choose the right place to spend these years. Social Security Cuts May Be Coming. Enoch is passionate about helping others win with their finances and has been writing about money matters for over a decade. It is also one of the warmest places to retire in Canada. Retirement doesn't mean you have to stop earning altogether in fact, it could allow you to make more money than ever before. Housing is costly, and it can be hard to find a place to buy or rent. Retirees can hire housekeepers for under $20 a day, a lunch out runs $3 to $5, and a loaf of bread and liter of milk will set you back less than $4. Guatemala is not as developed a country as nearby popular expat draws Panama and Costa Rica, but the upside is that it means it's more affordable. Related: Best places to live in Manitoba. - 01 May 2023, 20:03, In Economy, Business Earn 2.25% interest on your savings, 225x more than some banks ($5 bonus). The content on this site is for informational and educational purposes only and is not intended as a substitute for professional financial advice. But by depositing an additional $100 each month into your savings account, youd end up with $27,475 after 10 years, when compounded daily. Seniors & Medicare and Medicaid Enrollees. Lifestyle: Dense population, above-average costs, safe, and friendly. Using this same Zillow rent data GOBankingRates then found the It ticks many boxes in terms of being one of the best places to live in Canada. Nearly nine out of 10 Americans ages 65 and older currently receive Social Security. Here are the 30 best cities to retire for less than $1,000 a month, weighted for their livability and cost of living. There are positives and negatives to each side, so you really want to consider your needs and wants. Where should we retire? But in some cases, a more significant moveto a different state or even moving abroadcan be worth considering. You must currently be married to collect these benefits, and you also have to be at least 62 years old to begin claiming. Making the world smarter, happier, and richer. Calgary is one of the most populated cities in Canada, but its still affordable. Investopedia requires writers to use primary sources to support their work. This is a good, informative article. Your personal preferences are just the beginning. Its got great energy and an urban feel to it. WebThis will guarantee that you receive a certain amount of money each month for the rest of your life, no matter how long you live. Retiring abroad in a country in South America Global Business and Financial News, Stock Quotes, and Market Data and Analysis. To settle in Lisbon, Porto or the Algarve expect to pay a bit more while inland areas cost less.. Internet: $40. If you cant find one, youll be thrown back and forth, having to explain your medical conditions to different doctors you see. Side hustles can be an effective way to supplement income from Social Security or investment accounts. That amount climbs to 36.2% for those ages 75 and older. It is mild and one of the driest cities on the west coast. There are a variety of retirement homes and housing options for seniors. Why Is SoFi Stock Down After Earnings? The Social Security Administration (SSA) estimates that among elderly Social Security beneficiaries, 37% of men and 42% of women rely on Social Security for 50% or more of their income. The taxes are lower as well, thanks to the oil industry within the province of Alberta. Retiring on Social Security alone is far from ideal. The final factor to consider is the age you begin claiming. She has been in the accounting, audit, and tax profession for more than 13 years, working with individuals and a variety of companies in the health care, banking, and accounting industries. However, there are various levels of living accommodations catering to the retirement community. However, your benefit amount will vary depending on a few factors. Youll find: Constance Dierickx, Ph.D., says it's tempting to rely on others when you're under stress but it can be a big mistake. When choosing the best place to retire in Western Canada or Atlantic Canada, know your budget and what you want. Note that there are fewer doctors here, and in recent years, there have been waiting lists to secure a family doctor. As of March 2023, the average spousal benefit amount is around $898 per month, according to the Social Security Administration. Deposit: $3,000.00 WebRent: $2,500.00 Deposit: $3,000.00 Application Fee: $40.00 per person 18 years of age or over - all person 18 years of age or over that will be living in/at the property, must apply It could be malls and shopping or easy access to nature. Share this article: The key question that you must ask is: What do you really need to have an enjoyable retirement, and what can you live without? Retirees need access to medical facilities and accessible doctors. You're eligible to collect $800 per month, and your spouse is entitled to $2,000 per month at their FRA. Social Security can be complex and confusing, and there are a wide variety of benefits available. Twenty-one percent of Baby Boomers (age 58-76) work a side gig with a median income of $500 per month, per a 2022 Bankrate survey. Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. "More Nonretired Americans Expect Comfortable Retirement. Rent: $2,500.00 Generally, the province of Quebec has excellent health services, and social services are run by the same department. It is considered the best place in Canada to retire if you have saved a lot of money for your retirement years. How much do you need to retire to Portugal? Our mortgage has more than doubled! You and your spouse may retire comfortably on around $1,200 per month (before rent) if you choose to do so. Good news: Quality health care of North American standards can be had in Colombia for pennies on the dollar, reports InternationalLiving.com. U.S. Bureau of Labor Statistics. ", Social Security Administration. Its currently available for rent. It is also one of the best cities to live in Alberta. Rentals are also affordable, reported Hayman. To settle in Lisbon, Porto or the Algarve expect to pay a bit more while inland areas cost less.. Total: $1,030. In the end, GOBankingRates identified six places across the country where you can live very well on less than $1,500 a month, whether you want to retire or just quit your To settle in Lisbon, Porto or the Algarve expect to pay a bit more while inland areas cost less. Social Security Administration. You have 40 years to invest and youve set a $1.5 million savings goal. Other activities include sailing, golfing, and fishing. The site is a comprehensive web-based service that matches benefits programs to seniors with limited income and resources. While Kingston has a large community of young people due to the large university here, its still a great place to retire. The interest would be There are a couple of typos that need to be corrected: The summers are hot and humid, while the winters are long and cold. There are more than 87 walk-in clinics. Cincinnati, Ohio. "Benefits Planner: Retirement Benefits.". If you have $500,000 in savings, according to the 4% rule, you will have access to roughly $20,000 per year for 30 years. How much you're eligible to receive depends on a few factors. His top investment tools include Wealthsimple and Questrade. Apr 25, 2023. There are co-op opportunities and a variety of retirement living opportunities. Calgary is a friendly city thats safe and upbeat. Rents in the city of Manizales range from about $130 a month for a home in a working-class neighborhood to $430 for a modern three-bedroom, two-bath apartment in upscale districts such as Milan. Im looking for safe, friendly cities to retire abroad on $2,500 or less a month. Methodology: To find the best cities to retire on a monthly budget of $2,500 dollars or less, GOBankingRates first isolated the 300 largest rental markets according to Zillows 2022 rent data. Cambodia's capital city, Phnom Penh a cosmopolitan mix of Chinese, French and local Khmer influences boasts rental prices ranging from $200 to $350-plus a month. Total monthly expenses $1950 $2350. Its one of the most unaffordable cities in the world and one of the most liveable. No fees & unlimited transactions. You dont have to stay in the current spot youre living in. But there's another factor affecting your benefit amount that's easy to overlook: your marital status. Is Your Leadership Style More Steve Jobs or Elon Musk? Using a savings goal calculator and the desired savings of $5,000,000, $1,000 in your retirement accounts, and a 10% annual interest rate compounded daily, here is how

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