The Lease Calculator can be used to calculate the monthly payment or the effective interest rate on a lease. If the interest rate is known, use the "Fixed Rate" tab to calculate the monthly payment. If the monthly payment is known, use the "Fixed Pay" tab to calculate the effective interest rate. Or use the Auto Lease Calculator regarding auto ...The dealership payoff quote to Carvana is $1,300 more than the payoff quote in my account and I called VW finance to ask why. ... Does anyone have a similar experience when you are trying to sell your leased car? 1 Like. ... So for example, $250 lease payment + $50 lease credit from VW = $200 net due. Its really crappy but I guess … Please be advised that our phone number 877.400.0011 is no longer in service. Please call us at 609.807.3200. Thank you. X Leasing a Car. When you sign a contract to lease a car, you are entering into a legally binding agreement that gives you the right to use that vehicle for a set amount of time and given certain terms and conditions. As the holder of the lease, you are required to make a down payment followed by set monthly payments. You can view your payoff quote and make your payment online. After logging in, select your vehicle from your Snapshot and select Get Payoff Quote on the vehicle details page. If you leased your vehicle, you’ll want to choose Lease-End Options. Follow the instructions to view your estimate and pay off your vehicle. Please be advised that our phone number 877.400.0011 is no longer in service. Please call us at 609.807.3200. Thank you. XCAL Automotive 4556 S Broad Street Yardville, NJ 08620 BUSINESS HOURS: Monday - Friday 9am-5pm Customer Service 609.807.3200 x9508 Collection: 609.807.3200 x9507 ... This letter will include your lease account number, payment mailing address, department contact info, details on several ways to remit payment, and other helpful information. ...When it comes to owning a car, there are two main options: leasing or buying. While both choices have their own merits, leasing a car has gained popularity in recent years due to i...Payment Address Chrysler Capital – Retail P.O. Box 660335 Dallas, TX 75266-0335 Chrysler Capital – Lease P.O. Box 660647 Dallas, TX 75266-0647 Titles 855-531-5531 Monday through Friday – 7 a.m. to 5 p.m. CT Saturday – Closed Employment Interested in joining our team? Click here for our current job openings. MediaAug 2, 2023 · Lease your car. Car leases typically have lower monthly payments because you aren’t paying to own the vehicle. In the first quarter of 2023, the average car payment for a new, leased vehicle was ... Added to the selling price of the car, total cost is $28,000 + $1200 = $29,200. It’s known as the Gross Capitalized Cost. Let’s also assume that we plan to make a $5000 down payment to reduce our monthly payment amount. This is called Capitalized Cost Reduction. Most leases do not require a down payment, but don’t confuse down …Jan 18, 2024 · To calculate your monthly rental, add the residual value to the net capitalized cost and multiply the result by the money factor: ($22,300 + $18,000) × 0.001 = $40.3. Add your monthly rental to the base lease payment amount to get the pre-tax lease amount: $40.30 + $119.44 = $159.74. Updated: Sep 29, 2022, 7:02am. Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. If you …My wife’s 17 CR-V lease ends in about a month and it looks like we are going to have to turn it in. The leasing company (CAL automotive) does not provide an inspection before turning it in and from what I’ve read they hit you hard with any damages. The car has some scratches (including a very light one along side…about 2 ft long) but no dents or accidents. Obviously this worries me so I ... NJ Motor Vehicle Commission. PO Box 016. Trenton NJ 08666. (888) 486-3339. Type of Entity: Corporation. Alternate Business Name. Certified Automotive Leasing. Certified AL Company. The incentive referenced is for informational purposes only. This information does not constitute tax or legal advice. All persons considering use of available incentives and additional perks should consult with their own tax or legal professional to determine eligibility, specific amount of incentives available, if any, and further details.Please follow the below steps to pay off your account online: Log in or Register. Select the account (if you have more than one) from the drop-down list. Under the PAYOFF QUOTE section, select 'Get Payoff Quote'. Below the payoff amount, click the 'Payoff Account Online' button. In Step 1, select the Payoff Method of 'Online' and click ...When I (my wife actually) bought out a lease car (non Tesla) last year in 2022 at the end of the 3 year term, the market value was easily $10k more than what it was contractually. The dealership was desperately trying to squeeze more money out via a trade in etc etc. So this residual value thing cuts both ways.Effortless Automotive Leasing Please be advised that our phone number 877.400.0011 is no longer in service. ... CAL Automotive . Main menu Skip to primary content Menu. login; new user? customer FAQ; dealer login; about us; contact us; Leasing Info. Back to Lease Info Lease Specials April 27, 2016. Previous Post. Next Post > CAL Automotive ...How to use the auto lease buyout calculator. Gather these details about your current lease: Residual value of your leased car (the amount your car is predicted to be worth at the end of the lease ...How to use the auto lease buyout calculator. Gather these details about your current lease: Residual value of your leased car (the amount your car is predicted to be worth at the end of the lease ...Learn several differences between a lease payoff amount vs. buyout price when leasing a vehicle and explore your alternatives in different leasing scenarios.Our Military Service Center is available to assist with any of your financial needs including questions related to SCRA and requesting benefits. Here's our Military Service Center contact information and hours of operation: Phone (in the U.S.): 800-934-9555. Phone (international collect): 513-277-5899.If you’re planning to ship your car internationally, one of the first things you’ll need to do is obtain a shipping quote. International car shipping quotes can vary greatly depend...Just wanted to share a perk for all you leasing experts! I picked up a 22 Ram night edition at the end of December. Got it for $5k down (from equity check) at a little over $400 a month for 10k miles a year. I underestimated my use because of my new commute with our baby and day care travel so I contacted CAL directly and explained the situation, they offered to update my contract to 12k miles ...If you’re in the market for a new vehicle, considering a lease option can be a smart choice. Leasing offers many benefits, including lower monthly payments and the ability to drive...Dec 5, 2023 · Experts recommend 20 percent, but you may be able to buy a car with a down payment of just 10 percent. The less you need to borrow, the more you will be able to save on interest. Buying vs. leasing Select “Payoff” (or “Purchase” if this is an eligible leased product), choose your payment source, and select “Review Payment.”. Then confirm your payoff or purchase amount and submit. For more detail on Purchase or Payoff, see the Payment Progress tile. This graphic shows how close you are to payoff or the end of your lease.10/23/2023. These company is the worst. I never in the years of leasing or buying cars heard that tour pay off is more than what you paid for the car MSRP $33000.00 + and after making 20 payments ... Briefly describe the article. The summary is used in search results to help users find relevant articles. You can improve the accuracy of search results by including phrases that your customers use to describe this issue or topic. The Four Parts of a Car Lease. 1. Cap Cost (Capitalized Cost) The cap cost diverges from the out-the-door price, which integrates the vehicle price with all taxes and fees. Instead, you negotiate the cap cost during a lease, representing the sum the leasing company pays for the car. This figure typically includes:Dec 14, 2023 · You can use a lease payment calculator in Canada to work out the cost of a $45,000 car lease. We estimated that it could cost between $683.86 and $697.46 per month to lease a $45,000 car. As you can see in the table below, the lease term and interest rate you get can both have a major impact on the total cost of leasing a car. Car lease offer A. Lease buyout — Buy a vehicle currently being leased. To apply, call 800-531-0342. Refinance — You can refinance a non-USAA loan online. To refinance your USAA loan, you'll need to call 800-531-0342. ... New Car (dealer) Payment Example: A 36 month new auto loan (model years 2023 to 2025) with an annual percentage rate (APR) of 6.40% …Calculate the monthly sales tax by multiplying the local tax rate with the pre-tax lease amount: 6 × $159.74 / 100 = $9.58. Add the monthly sales tax to the pre-tax lease amount, and you will get the total monthly lease payment: $9.58 + $159.74 = $169.33. We recommend you cross-check these results using our car lease calculator and see how ...Please be advised that our phone number 877.400.0011 is no longer in service. Please call us at 609.807.3200. Thank you. XTo initiate a direct purchase, visit our Payoff Quote page, or to receive purchase documents by mail or fax, call +1 800 428 4034. Note: If you are within 90 days of your lease-end date, you will be unable to obtain a payoff quote, but you can still purchase your vehicle. Please call us at +1 800 428 4034 to discuss your options.Register now or call us at 1-800-284-2721. Most of the information can also be found in your monthly statement. Principal Balance. Last Payment Received. Next Due Date. Maturity Date. Annual Percentage Rate. Monthly Payment Amount. Calculate.Enter a total loan amount into this auto loan calculator to estimate your monthly payment, or determine your loan amount by car price, trade-in value and other factors. Total loan amount $. Determine loan amount. Term (months)*. Interest rate (%) See our current rates. Calculate payment.Progressive. Loan/lease Payoff Coverage. If your vehicle is stolen or totaled, loan/lease payoff coverage from Progressive can help pay the difference between your vehicle's current value and what you owe on your loan or lease, up to your coverage limit. At Progressive, you can add loan/lease payoff coverage to your policy when you carry both ...Purchase the vehicle you're currently driving. All that's left to do is get a payoff quote by logging into your LFS online account or contacting LFS at 1-800-286-0653. If you need financing, you can head straight to your dealer for help. Request Pay Off Quote.When it comes to getting a new car, the decision to lease or buy can be a tough one. Each option has its own set of pros and cons that should be considered before making a final de...Car Lease Deals in San Francisco, California on the world’s largest lease marketplace ... Monthly Payment. $0-$500 (5) $501-$1000 (62) ... Get a new car quote.Can I access specific documents related to my account without calling customer service?Down payment. $. Your monthly payment would be. $83.33 **. *APR is the Annual Percentage Rate or the cost of your credit at a yearly rate. Get Financing.Fusion Auto Finance: The Leader In Credit Union Auto Leasing. Fusion Auto Finance develops turn-key auto leasing programs with credit unions that generate a high return on investment and superior customer satisfaction. $7 Billion+. Total Volume. 184,000+. Vehicles Leased. 760+. Average FICO Score.If there’s no sales tax in your state, you can skip this step. Finally, to calculate your monthly lease payment, you’ll add these three charges together: Monthly depreciation + monthly interest amount + monthly tax amount = monthly lease payment. $222.22 + $79.80 + $21.90 = $323.92. Back to Calculator.Leasing a car in California, like in many states, involves various taxes and fees. ... **Sales Tax**: In California, you pay sales tax on the monthly lease payment, not the vehicle’s total value. The tax rate can vary significantly across different cities and counties, ranging from 7.25% to over 10.25%. 2. **Use Tax**: Sometimes, use tax ...You can request a payoff by clicking here, and then click on the "I want to" button. Select "Request Payoff Quote" and you will be provided with a payoff quote and instructions on where to mail your payoff amount. You may also call our automated Voice Response line toll free at 1-866-499-6793. Please have your account number available.You can request a payoff by clicking here, and then click on the "I want to" button. Select "Request Payoff Quote" and you will be provided with a payoff quote and instructions on where to mail your payoff amount. You may also call our automated Voice Response line toll free at 1-866-499-6793. Please have your account number available.Leasing a Car. When you sign a contract to lease a car, you are entering into a legally binding agreement that gives you the right to use that vehicle for a set amount of time and given certain terms and conditions. As the holder of the lease, you are required to make a down payment followed by set monthly payments.Get a quote, book a test drive and even buy your Nissan from home. [*] ... End of Lease Support Website Support. 1-800-456-6622 1-800-778-4211 1-800-406-5895. ... Nissan Rental Car Program; Accessibility; Toggle SHOP menu SHOP. Nissan at Home; All Vehicles; Search Inventory; View a Brochure;Key takeaways. The additional cost of sales tax on a lease buyout varies by the state you live in and depends on the terms written in the lease. In some cases, the …Leasing a car in California, like in many states, involves various taxes and fees. ... **Sales Tax**: In California, you pay sales tax on the monthly lease payment, not the vehicle’s total value. The tax rate can vary significantly across different cities and counties, ranging from 7.25% to over 10.25%. 2. **Use Tax**: Sometimes, use tax ...Existing customers. 800.215.6195. Mon–Fri 8 a.m.-8 p.m. ET. We accept calls made through relay services (dial 711). Language interpretation services are available at no cost. You can request an interpreter at a financial center or when speaking with an agent on the phone.If you need assistance, please contact us at: 609-807-3200 or email us at [email protected] Details. Results. Final negotiated price. Total due at lease signing. Total number of months leased. 60 months 48 months 36 months 24 months 12 months. Monthly service charge. Province. Select a province Newfoundland Nova Scotia New Brunswick Prince Edward Island Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Yukon …You can mail your full payoff amount, along with your account number, to... 5750 Views • Jan 18, 2023 • Knowledge I Have Paid off My Account and Received My Paper Title.For example, if your lease costs $400 a month and the sales tax on a leased vehicle is 6% in your state, you'll have a monthly payment of $400 plus $24, or $424. By the end of a 36-month lease ...Use this car lease calculator to estimate your monthly car payment. Input the car’s price, down payment, resale value at the end of the lease, sales tax and lease terms.As low as 5.74% APR 1. Loan Amount $25,000.00. Finance Charge +$3,818.94. Total Cost of Loan $28,818.94. Finance a Loan. Apply Discount. Sign up for an automatic payment plan 0.25% rate discount. Notes: This calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget.Auto loan contracts cannot be transferred to third parties. Some loan contracts allow for sub-leases, in which a new user takes possession of the car and makes the payments. Not al... To release our lien, your account must be paid in full with a $0 balance. Your lien release will be sent to the address that appears on your auto account statements generally in 2-10 business days from payment posting based on your payoff method or State requirements. Contact us directly if you need to update your information. Experts recommend 20 percent, but you may be able to buy a car with a down payment of just 10 percent. The less you need to borrow, the more you will be able to save on interest. Buying vs. leasingCommunity Involvement. See how we’re strengthening the communities where we live and work. GM Financial provides auto loan financing through auto dealers across the U.S. and Canada. We proudly service customers and dealers with competitive financing and GM lease programs.We'd love to hear from you. Give us a call. Customer Service in the Continental U.S.| (800) 874-8822. Monday-Friday: 8am-5pm Local Time. Toyota Credit de Puerto Rico | (800) 469-5214. Monday-Friday: 8am-5pm Eastern Time. Puerto Rico …Dec 5, 2023 · Experts recommend 20 percent, but you may be able to buy a car with a down payment of just 10 percent. The less you need to borrow, the more you will be able to save on interest. Buying vs. leasing Auto loan contracts cannot be transferred to third parties. Some loan contracts allow for sub-leases, in which a new user takes possession of the car and makes the payments. Not al...9.09% APR (Estimate based on your credit rating)*. Vehicle Budget $20,000. Down Payment - $1,000. Trade-In Value $0. Est. Tax, Title & Registration $1,500. Total Amount $20,500. Your Monthly Payment $343/mo. Ready to see your personalized rates? Get real rates on inventory for up to 30 days.The lease payoff amount is the total sum to pay if you want to buy the car before the lease contract expires. This includes its buyout price and the equivalent of the …Calculate the monthly sales tax by multiplying the local tax rate with the pre-tax lease amount: 6 × $159.74 / 100 = $9.58. Add the monthly sales tax to the pre-tax lease amount, and you will get the total monthly lease payment: $9.58 + $159.74 = $169.33. We recommend you cross-check these results using our car lease calculator and see how ... Auto Lease Calculator. Oct 05, 2023. Use this auto lease calculator to estimate what your car lease will really cost. Enter the car's MSRP, final negotiated price, down payment, sales tax, length ... When it comes to acquiring a new car, there are two main options available to you: leasing and buying. Both options come with their own set of pros and cons, which can make it diff...Use the car lease calculator to estimate your monthly car payments when leasing a new car. Get accurate lease payment information with TrueCar.BBB accredited since 12/27/2022. Leasing Services in Trenton, NJ. See BBB rating, reviews, complaints, get a quote & more.To use the calculator, make sure you have the following information available: Vehicle purchase price: This is the amount you financed to purchase your vehicle. Loan term: The amount of time (in ...Register now or call us at 1-800-284-2721. Most of the information can also be found in your monthly statement. Principal Balance. Last Payment Received. Next Due Date. Maturity Date. Annual Percentage Rate. Monthly Payment Amount. Calculate.Select “Payoff” (or “Purchase” if this is an eligible leased product), choose your payment source, and select “Review Payment.”. Then confirm your payoff or purchase amount and submit. For more detail on Purchase or Payoff, see the Payment Progress tile. This graphic shows how close you are to payoff or the end of your lease.Please be advised that our phone number 877.400.0011 is no longer in service. Please call us at 609.807.3200. Thank you. XWe'd love to hear from you. Give us a call. Customer Service in the Continental U.S.| (800) 874-8822. Monday-Friday: 8am-5pm Local Time. Toyota Credit de Puerto Rico | (800) 469-5214. Monday-Friday: 8am-5pm Eastern Time. Puerto Rico …Community Involvement. See how we’re strengthening the communities where we live and work. GM Financial provides auto loan financing through auto dealers across the U.S. and Canada. We proudly service customers and dealers with competitive financing and GM lease programs.Seize the moment and request a payoff quote by contacting MFS at 866-693-2332. For financing, you can head straight to your dealer for help. BE PREPARED FOR THE END OF YOUR LEASE. Mazda Financial Services Lease End Guide. When your lease comes to an end, you can take one of three roads and the choice is entirely your own.Lease Details. Results. Final negotiated price. Total due at lease signing. Total number of months leased. 60 months 48 months 36 months 24 months 12 months. Monthly service charge. Province. Select a province Newfoundland Nova Scotia New Brunswick Prince Edward Island Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Yukon …Register now or call us at 1-800-284-2721. Most of the information can also be found in your monthly statement. Principal Balance. Last Payment Received. Next Due Date. Maturity Date. Annual Percentage Rate. Monthly Payment Amount. Calculate.Follow these steps on the TFS website to obtain payoff information on your vehicle: Log in to the website. From the dashboard, select "Payoff Quote" under Remaining Balance . See options to “Pay Online” or “Mail-In Payoff”. Payoffs are updated every day with current payoff information for all registered customer accounts.Estimate your monthly payments with Cars.com's car loan calculator and see how factors like loan term, down payment and interest rate affect payments.You can mail your full payoff amount, along with your account number, to... 5750 Views • Jan 18, 2023 • Knowledge I Have Paid off My Account and Received My Paper Title.Auto payment calculators will likely use the same formulas your lender does to calculate your total interest and monthly payments. To calculate the car payment for your loan, you will need your estimated loan principal, interest rate or annual percentage rate, and loan term. With this information, you can calculate your total and monthly ... See our FAQ pages to learn more about doxo. Pay your Cal Automotive Certified Lease bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. Manage all your bills, get payment due date reminders and ... Start with the sticker price (MSRP) of the car. Take the MSRP and multiply it by the residual percentage. This equals the residual value. Then take the negotiated selling price of the car. Add in ... Adrian, your payoff rules vary state to state, and company to company. In RI, BMWFS does not charge sales tax on the payoff. You are required to apply for a new title within 21 days (the leased car is originally titled only to BMWFS), and at that time you pay sales tax on the payoff amount.suv, nj. KS85 February 22, 2020, 11:59am 1. My wife’s 17 CR-V lease ends in about a month and it looks like we are going to have to turn it in. The leasing company (CAL …
Here are your options as you approach the end of your lease: Turn the car back in to the leasing company for another vehicle from the same manufacturer. Turn your car in to the leasing company and .... Lcra rainfall map
You can use a lease payment calculator in Canada to work out the cost of a $45,000 car lease. We estimated that it could cost between $683.86 and $697.46 per month to lease a $45,000 car. As you can see in the table below, the lease term and interest rate you get can both have a major impact on the total cost of leasing a car. Car lease offer A.We'd love to hear from you. Give us a call. Customer Service in the Continental U.S.| (800) 874-8822. Monday-Friday: 8am-5pm Local Time. Toyota Credit de Puerto Rico | (800) 469-5214. Monday-Friday: 8am-5pm Eastern Time. Puerto Rico … Unreliable and unpredictable experiences due to recurring errors in data formatting, balance information, lease payoff quotes, payment due and lease termination dates, and payment notifications. Challenges in linking bank accounts for recurring ACH payments. Please be advised that our phone number 877.400.0011 is no longer in service. Please call us at 609.807.3200. Thank you. XDec 14, 2023 · You can use a lease payment calculator in Canada to work out the cost of a $45,000 car lease. We estimated that it could cost between $683.86 and $697.46 per month to lease a $45,000 car. As you can see in the table below, the lease term and interest rate you get can both have a major impact on the total cost of leasing a car. Car lease offer A. When it comes to acquiring a new car, there are two main options available to you: leasing and buying. Both options come with their own set of pros and cons, which can make it diff...Automated Account Access. To access your information regarding your Hyundai Motor Finance account, including account status, date of last payment received, and pay-off information, you may call the Hyundai Motor Finance automated phone system at 1-800-523-4030. Note: Please have your account number or social security number available …Leasing a vehicle differs from buying a car. In essence, you’re just paying on the car’s depreciation, interest and fees while holding the lease. To get the best deal, know more ab...All team members at Auto Lenders, ALGO and CAL Automotive enjoy the following: Progressive, All-Inclusive, Team-Oriented Corporate Culture. Focus on Internal Career Progression. Health, Dental and Vision Benefits. Life Insurance Policy. 401k with a Company Match. Vacation and Life-Event Paid Time Off Program.NJ Motor Vehicle Commission. PO Box 016. Trenton NJ 08666. (888) 486-3339. Type of Entity: Corporation. Alternate Business Name. Certified Automotive Leasing. Certified AL Company.Purchase the vehicle you're currently driving. All that's left to do is get a payoff quote by logging into your LFS online account or contacting LFS at 1-800-286-0653. If you need financing, you can head straight to your dealer for help. Request Pay Off Quote.The Auto Loan Calculator is mainly intended for car purchases within the U.S. People outside the U.S. may still use the calculator, but please adjust accordingly. If only the monthly payment for any auto loan is given, use the Monthly Payments tab (reverse auto loan) to calculate the actual vehicle purchase price and other auto loan information.You can request a payoff by clicking here, and then click on the "I want to" button. Select "Request Payoff Quote" and you will be provided with a payoff quote and instructions on where to mail your payoff amount. You may also call our automated Voice Response line toll free at 1-866-499-6793. Please have your account number available.payment = $444.95. Note that due to rounding, the calculator may give an answer that is $0.01 different from what was calculated manually. Now that we have our monthly lease payment, let’s see what would happen if we were able to change either the vehicle price, trade-in value, or down payment by $1,000.To calculate a monthly lease payment on a new car, you will need five essential pieces of information: Residual Value. Money Factor. Incentives and fees. Down Payment and trade-in. How To Calculate a Lease Payment (36-Months) 1. Sticker Price (MSRP) $40,000.Auto Account Resource Center. Payments made on a business day (Monday-Friday, excluding holidays) from a Chase deposit account by 11 PM ET or from a non-Chase deposit account by 8 PM ET will be credited on the same business day. Payments made on weekends, holidays or after the cutoff time will be credited the next business day. If you …System.Windows.Documents.FixedDocumentSequence. ODOMETER AND DAMAGE DISCLOSURE STATEMENT (LEASED VEHICLE) FEDERAL LAW (AND STATE LAW, IF APPLICABLE) REQUIRES THAT THE LESSEE DISCLOSE THE MILEAGE TO THE LESSOR IN CONNECTION WITH THE TRANSFER OF OWNERSHIP. FAILURE TO COMPLETE OR MAKING A FALSE STATEMENT MAY RESULT IN FINES AND/OR IMPRISONMENT.In most cases, the answer is no. Related: “The lease-end purchase option price is set forth in the lease contract and cannot be negotiated down,” said Michael Sin, co-founder of leasing ...From your dashboard, choose the loan or line of credit you'd like the payoff for. Online banking: Select Request a payoff quote from the "Shortcuts" menu on the right. U.S. Bank Mobile App: Select Manage at the top of the screen, then choose Request payoff quote. Enter a date within the next 30 days and choose Request payoff quote .Payoff & Title Release. Dealerships depend on trade-ins to supply used inventory, but payoff surprises and slow lien and title release can delay inventory turn and reduce profit potential as holding costs add up. A payoff and title release solution helps add confidence and speed to the entire process. Start Demo.When I (my wife actually) bought out a lease car (non Tesla) last year in 2022 at the end of the 3 year term, the market value was easily $10k more than what it was contractually. The dealership was desperately trying to squeeze more money out via a trade in etc etc. So this residual value thing cuts both ways..