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☆ Get the most out of these tax-favored accounts in 2025
▼ + stars: | 2024-11-20 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +4 min

Benefits enrollment season is here, and with it comes an opportunity for workers to tune up their workplace savings plans and sock away more money on a tax-favored basis. Traditional tax-deferred accounts, like 401(k) plans and individual retirement accounts, are just the beginning for savers. As tempting as it may be for savers to plow money into HSAs and other tax-favored accounts, they'll need to draw up a strategy before they do so. They can also earmark additional funds toward 529 college savings plans and taxable brokerage accounts. In a tax-deferred account, investors won't be on the hook for the tax bill until they begin drawing down from it.

Persons: Marguerita Cheng, Cheng Organizations: Devenir, Blue, Global Wealth, UBS, Chief Investment Locations: Gaithersburg , Maryland

☆ Here's what a new Trump administration could mean for your money, financial advisors say
▼ + stars: | 2024-11-11 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Leah Millis | ReutersNow that Donald Trump has been elected president, many individual investors are wondering what that means for their money. Yet, when it comes to long-term performance of the markets and policies that Trump proposed on the campaign trail, financial advisors say it's best to take a wait-and-see approach before making any big money decisions. Lee Baker, a CFP and owner of Claris Financial Advisors in Atlanta, said he's also told clients not to make wholesale financial changes now. Many investors expect Trump to lead with faster economic growth and more market-friendly policies, said Francis during a Friday webcast on what Trump's presidency could mean for investors' money. While those policies would put more money in Americans' pockets, Francis noted, other experts say it's too soon to count on those changes.

Persons: Donald Trump, Leah Millis, Trump, Jude Boudreaux, Boudreaux, Lee Baker, he's, Baker, I've, Stacy Francis, Francis Financial, Francis, it's, Marguerita Cheng, Cheng, Trump's, David Haas, CNBC.com Organizations: Trump, U.S . Capitol, Reuters, Dow Jones, CNBC FA, Claris Financial, Francis, Blue, Global Wealth, Social Security, Cereus Financial, Security Locations: U.S, Washington , U.S, New Orleans, Atlanta, New York City, Gaithersburg , Maryland, Franklin Lakes , New Jersey

☆ The pros and cons for investors of nonstop trading as NYSE looks to go 22 hours a day
▼ + stars: | 2024-10-28 | by ( Bob Pisani | ) www.cnbc.com time to read: +6 min

"Core" trading hours for both the NYSE floor and NYSE Arca are 9:30 a.m. to 4:00 p.m. Nasdaq , which has current trading hours similar to the NYSE, declined to comment on the NYSE announcement and declined to say whether it would match the NYSE's proposal to expand trading hours. Is there demand for after hours trading? "In addition, there are retail traders in the U.S. who want to trade at night. Many retail traders work during the day, they come home and want to trade beyond the 8 p.m. cutoff for trading."

Persons: Michael M, NYSA, Kevin Tyrrell, Tyrrell, Jim, Dmitri Galinov, Galinov, Spencer Platt, Dennis Kelleher, Kelleher, Benjamin L, Schiffrin, Jay Woods, Woods Organizations: ICE, New York Stock Exchange, Santiago, Getty, York Stock Exchange, Intercontinental Exchange, Big, NYSA Arca, NYSE, NYSE Arca, Nasdaq, CNBC, Security Traders Association, Exchange, SEC, Traders, Blue Ocean Technologies, Better, 24X, Freedom Capital Locations: New York City, U.S, South Korea, Japan, Europe

☆ As nervous investors worry about the presidential election, public debt is a top concern financial advisors say
▼ + stars: | 2024-10-18 | by ( Lorie Konish | ) www.cnbc.com time to read: +3 min

- | Afp | Getty ImagesMany investors worry about how the outcome of the presidential election will impact their investments. But there's another risk financial advisors are focused on — public debt, according to a new survey from Natixis Investment Managers. The term public debt is used interchangeably by the U.S. Treasury with national debt and federal debt. Experts say there are certain moves individual investors can make to limit the financial exposure they have to those broader risks. For investors who worry the country's debt may lead to slow growth, it can help to add international exposure to a portfolio, Cheng said.

Persons: —, they're, Dave Goodsell, Marguerita Cheng, Cheng, Goodsell, Bonds, Barry Glassman, Glassman, Roth, Pare Organizations: Elena Bozeman Government, Afp, Getty, Natixis Investment, Natixis Center, Investor Insight, U.S, Treasury, Social Security, Blue, Global Wealth, CNBC FA Council, Wealth Services, CNBC FA Locations: Arlington , Virginia, U.S, Gaithersburg , Maryland

☆ How investors can prepare for lower interest rates: It's 'like getting a haircut,' advisor says
▼ + stars: | 2024-08-23 | by ( Greg Iacurci | ) www.cnbc.com time to read: +5 min

Lower interest rates are "generally positive for stocks," said Marguerita Cheng, a CFP and chief executive of Blue Ocean Global Wealth, based in Gaithersburg, Maryland. Considerations for cash, bonds and stocksFalling interest rates generally means investors can expect lower returns on their "safer" money, advisors said. High interest rates have meant investors enjoyed fairly lofty returns on these lower-risk holdings. Winnie Sun co-founder and managing director of Sun Group Wealth PartnersHowever, such returns are expected to fall alongside declining interest rates, advisors said. "They'll be crying in six months when interest rates are a lot lower," she said.

Persons: Jerome Powell, Andrew Harnik, Winnie Sun, Lee Baker, Powell, Stephen Brown, Marguerita Cheng, Sun, Powell didn't, Ted Jenkin, Carolyn McClanahan Organizations: Getty, Sun Group Wealth Partners, Financial Advisors, Finance, North, Capital Economics, Blue, Sun Group Wealth, Planning Partners Locations: Irvine , California, Atlanta, Jackson Hole , Wyoming, U.S, North America, Gaithersburg , Maryland, Jacksonville , Florida

☆ 24-hour trading in the crosshairs
▼ + stars: | 2024-08-07 | by ( ) www.cnbc.com time to read: 1 min

In this videoShare Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via Email24-hour trading in the crosshairsBrian Hyndman, Blue Ocean Technologies CEO, joins Money Movers to discuss Robinhood's 24-hour trading issues and what that means for his trading company.

Persons: Brian Hyndman Organizations: Blue Ocean Technologies, Movers

☆ Robinhood says there will be no 24-hour trading on Monday due to issue at third-party venue
▼ + stars: | 2024-08-05 | by ( Jesse Pound | In Jesse-Pound | ) www.cnbc.com time to read: +1 min

Brokerage firm Robinhood announced on Monday evening that it would not offer overnight trading due to an issue with its execution venue. The company said in a post on social media site X that Blue Ocean ATS, the third-party firm that Robinhood works with for round-the-clock trading, has suspended its overnight market. "Robinhood 24 Hour Market's execution venue, Blue Ocean ATS (BOATs), has suspended overnight trading for tonight. It is not clear if the suspension will last beyond early Tuesday morning, or if other brokerage firms that offer overnight trading are affected. Overnight trading is typically limited to the most liquid stocks and ETFs in the market.

Persons: Robinhood, Charles Schwab Organizations: Ocean ATS, Dow Jones

Prepaid debit cards or gift cards are easy ways to send money to someone without a bank account. Prepaid debit cards and gift cardsAccording to a 2021 FDIC study, nearly a third of unbanked households commonly use prepaid debit cards. Tips for sending money to someone without a bank accountWhen sending money to someone without a bank account, Marguerita Cheng, CFP® professional, RICP, and CEO of Blue Ocean Global Wealth, suggests comparing different options to find the best for your situation. Money transfer services, prepaid debit cards, gift cards, and digital payment apps or digital wallets are alternatives to sending and receiving money without a bank account. International money transfer services, such as those offered by Western Union or MoneyGram, can help you send money securely to someone without a bank account who lives overseas.

Persons: Venmo, It's, Marguerita Cheng, Cheng, you'll, You'll, you'd, Avanzamos Organizations: PayPal, Venmo, Apple, FDIC, CFP, Blue, Bank, Western Union Locations: Western Union, Western, Chevron

When the Federal Reserve raises rates, the interest rate on your savings account tends to go up, too. See the best savings account rates right now »If you bank with an online institution, you may have received an email or message from your bank that the interest rate on your high-yield savings account is going up. The interest rate on a high-yield savings account fluctuates and isn't fixed. This means if you open an high-yield savings account, its normal to see the interest rate go up or down over time. If the Federal Reserve lowers interest rates, savings interest rates will usually drop.

Persons: Marguerita Cheng, Cheng, they've, you've Organizations: Federal, Federal Reserve, CFP, RICP, Blue, Global Wealth, FDIC

☆ As retirement looms, many Gen Xers are still playing catch-up
▼ + stars: | 2024-06-20 | by ( Genna Contino | ) www.cnbc.com time to read: +1 min

About half, or 48%, of Gen Xers say they won't have enough money to enjoy their retirement, a 2024 report from global asset management company Natixis Investment Managers found. Gen X is typically defined as those born between 1965 and 1980. "I think where it's very stressful for [Gen X] is being sandwiched in that tug of war, saving for their retirement as well as helping aging parents," said Marguerita Cheng, a certified financial planner and Gen X mother. Gen X is the first generation of U.S. workers to come of age with 401(k) plans as their primary retirement vehicle after employers largely shifted away from traditional pensions in the 1980s. As retirement approaches, Gen X is feeling the financial squeeze — but financial planners say there are still ways to maximize your savings.

Persons: Gen Xers, they'll, Gen, Marguerita Cheng, Cherry, Cheng Organizations: Natixis Investment, Preston D, Blue, Wealth, CNBC, CoreData Research

☆ A YouTuber earned over $800,000 through sponsorships and ad revenue last year with videos on controversial topics like Ozempic
▼ + stars: | 2024-06-04 | by ( Shriya Bhattacharya | ) www.businessinsider.com time to read: +6 min

That's what creator Jake Tran attributes to his success on YouTube , where he's built an audience of 1.82 million subscribers by posting documentary-style videos. His creator journey began in high school when he was inspired by YouTube explainer videos that dissected specific topics. "You can make just as much money, if not more money, than YouTube ads," he said of sponsorships. AdvertisementLast year, Tran generated $820,246 in revenue from YouTube ads and sponsorships, which BI verified through documentation he provided. Last year, Tran earned $390,937 from sponsorships through his Jake Tran YouTube channel.

Persons: —, Jake Tran, Tran, Mark Zuckerberg, Graham Steffan, Ozempic, Arvid Ali, Wolf, Jordan, Ali Organizations: Service, YouTube, Business, Jake Tran YouTube

☆ Creating an income-producing portfolio
▼ + stars: | 2024-05-20 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +7 min

A lot goes into creating and managing an income-producing portfolio that works for you. Knowing your expenses will give you a good sense of the income you’ll need. Ways to generate incomeTake the income you think you’ll need and subtract from that the income you expect. For example, if you need $65,000 a year but will only bring in $40,000, you’ll need to generate the other $25,000. • For money you’ll need in three to five years, use short-term corporate bonds as well as longer-term CDs.

Persons: it’s, Will, David Seufer, you’ll, Marguerita Cheng, ”, David Edmisten, Edmisten, Cheng, ” Seufer, “, ” Edmisten, Seufer, they’re, ” Cheng Organizations: New, New York CNN, Gravitas, Social Security, Blue, ” Capital, Social Locations: New York

☆ If you’re investing in the AI theme for the long haul, here’s how to pick the winners
▼ + stars: | 2024-04-20 | by ( Samantha Subin | ) www.cnbc.com time to read: +3 min

Artificial intelligence has shaken up the investing landscape since the groundbreaking launch of ChatGPT in November 2022. Since then, investors have poured money into all things related to AI as they hunt for the next big winners. AI is poised to be a central theme as the technology transitions from early-stage winners to second-stage adopters. When it comes to chip stocks, Schleif also recommends taking a look at government grants. She highlighted the Global X Robotics and Artificial Intelligence ETF (BOTZ) , the First Trust Nasdaq AI and Robotics ETF (ROBT) and the Global X Artificial Intelligence & Technology ETF (AIQ).

Persons: Tesla, Nvidia —, Jay Woods, Carol Schleif, Schleif, Joe Biden, Nancy Tengler, Marguerita Cheng, BMO's Organizations: ChatGPT, Apple, Microsoft, Nvidia, Big Tech, Nasdaq, Freedom Capital, BMO Family Office, Samsung Electronics, Intel, Investors, Tengler, IBM, Blue, Global Wealth, Robotics, Intelligence, Technology Locations: Texas, Gaithersburg , Maryland

☆ The No. 1 mistake people in their 50s make with their money, according to a CFP—and how to fix it
▼ + stars: | 2024-04-15 | by ( Annie Probert | ) www.cnbc.com time to read: +2 min

You might feel like your life, retirement savings and finances are set in stone at this age. But this mindset can be one of the biggest financial mistakes you make in your 50s, says Autumn Knutson, certified financial planner and founder of Styled Wealth. Here are three smart decisions to make with your money in your 50s, according to three certified financial planners. Secure long-term care insuranceAs you inch closer to retirement, your 50s are a good time to consider long-term care insurance, says Andrew Fincher, a CFP and financial advisor at VLP Financial Advisors. Separate from health insurance and Medicare, long-term care insurance covers expenses that often arise in your later years, such as assisted living care and at-home care.

Persons: —, Andrew Fincher, Fincher, Marguerita Cheng, Cheng Organizations: Financial, Blue Ocean, Fidelity Investments

☆ With interest rates expected to be higher for longer, here's what to do with your cash
▼ + stars: | 2024-04-12 | by ( Michelle Fox | ) www.cnbc.com time to read: +5 min

That means those saving cash in money market funds and Treasury bills can expect to see their rates stay higher for longer. The annualized seven-day yield on the Crane 100 list of the 100 largest taxable money funds is currently 5.13%. The appetite for money market funds is evident in the record amount of cash pouring into the products. Last week, there was $6.11 trillion sitting in money market funds, according to the Investment Company Institute , up from $5.87 trillion in mid-December. Then there are moderate risk investors with longer time horizons, which Vanguard surveys show are the majority of investors, he said.

Persons: They've, Peter Crane, Shelly Antoniewicz, Marguerita Cheng, you'll, Cheng, Roth, Barry Glassman, Glassman, he's, Roger Aliaga, Diaz, Vanguard's, Cash, Aliaga Organizations: Federal, Crane, Investment Company Institute, Blue, Global, CNBC, Wealth, Treasury, Vanguard

☆ 900.care wants to make refillable consumer products the norm. Check out the 16-slide deck it used to raise $22.7 million.
▼ + stars: | 2024-03-26 | by ( Riddhi Kanetkar | ) www.businessinsider.com time to read: +2 min

Currently, many personal-use products in supermarkets, such as body wash, conditioners, and other hygiene products, use a lot of single-use plastics. "It creates so much plastic waste, and shipping water for these products also creates a lot of CO2 emissions," Grange told Business Insider. This reduces water waste, which would otherwise be required to manufacture and transport these products. Amid a tougher funding environment for D2C startups in the past two years, Grange told BI that 900.care's "growth economics and product-market fit" helped them to secure funding. Check out the 16-slide pitch deck used to secure the fresh funding.

Persons: Aymeric Grange, Grange Organizations: Lombard Odier, White Star Capital, Business, Grange, Lombard Locations: Paris, Lombard, France

☆ This move could help protect your portfolio from volatility as stocks trade near their highs
▼ + stars: | 2024-03-05 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +5 min

There's a party happening in stocks in 2024, and though investors may be reluctant, it could be time to think of taking a few chips off the table. My portfolio has recovered [from 2022],'" said Marguerita Cheng, certified financial planner and CEO of Blue Ocean Global Wealth in Gaithersburg, Maryland. "I tell people we're not selling everything, but we need to give the portfolio the TLC it deserves – this is the fine-tuning of your portfolio," she added. Be tax aware: Investors may be wary of selling highly appreciated holdings within their taxable accounts, which can incur levies on capital gains. Cheng of Blue Ocean has been turning toward dividend payers, as well as small and midcap stocks.

Persons: There's, they're, Marguerita Cheng, it's, Morningstar, Carla Adams, –, Sean Lovison, Cheng, Russell, Matson, – that's, It's, Jon Ulin Organizations: Nasdaq, Dow Jones, Netflix, Blue, Global Wealth, CNBC's, CFP, Ametrine, Investors, redeploy, Pfizer, Micron Technology, Holdings, Federal Reserve, Ulin, Wealth Management Locations: Gaithersburg , Maryland, Lake Orion , Michigan, Moorestown , New Jersey, SDVY, Boise, Boca Raton , Florida

☆ This tax-smart charitable donation strategy is like 'hitting two birds with one stone,' advisor says
▼ + stars: | 2023-11-24 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

The strategy, known as qualified charitable distributions, or QCDs, allows retirees to transfer money from an individual retirement account to an eligible nonprofit organization. "It's like hitting two birds with one stone," said certified financial planner Sean Lovison, founder of Philadelphia-area Purpose Built Financial Services. If you're age 70½ or older, you can use a QCD to donate up to $100,000 for 2023. How QCDs provide a tax breakSince 2018, there's been a higher standard deduction, which makes it tougher to claim a tax break for charitable gifts. If you're age 73 or older, QCDs can also cover your required minimum distributions, which otherwise would have boosted income, experts say.

Persons: there's, Sean Lovison, Marguerita Cheng, Kevin Brady, aren't, Ольга Носова Organizations: Blue, Global Wealth, CNBC's, Social Security, Wealthspire Advisors Locations: Philadelphia, Gaithersburg , Maryland, New York

ETFs are a wrapper for individual assets such as stocks and bonds, similar to mutual funds. However, many ETFs have better tax efficiency and lower expense ratios than mutual funds, driving many investors to make the switch. "ETFs have come a long way over the past 15 to 20 years," said certified financial planner Barry Glassman, founder and president of Glassman Wealth Services in McLean, Virginia. In 2022, investors sold more than $900 billion from mutual funds and poured roughly $600 billion into ETFs, according to Morningstar data. The most attractive feature of an ETF is that most don't distribute capital gains at the end of the year.

Persons: Barry Glassman, " Glassman, Cathy Curtis, Marguerita Cheng, Kamila Elliott, Cheng Organizations: Wealth, CNBC's, Morningstar, CNBC's FA Council, Curtis Financial, Blue, Global Wealth, Wealth Partners Locations: McLean , Virginia, Oakland , California, California, Gaithersburg , Maryland, Atlanta

☆ With an intensified focus on AI, VC firm Mayfield is closely watching for 'maturing' early-stage gen AI startups in 2024
▼ + stars: | 2023-11-16 | by ( Madeline Renbarger | ) www.businessinsider.com time to read: +4 min

In July, the firm announced its first dedicated seed fund focused on AI called AI Start. Prior to launching AI Start, Mayfield had already backed 25 early-stage startups in the space like MindsDB. Reddy's background makes him a perfect fit to lead the $250 million fund, Chaddha told Business Insider. This year, Chaddha tapped him to lead its new AI seed fund. With the AI Start fund, the team plans to double down and lead deals in seed stage and pre-seed generative AI startups, as well as AI infrastructure startups with an enterprise focus.

Persons: Mayfield, Vijay Reddy, who's, Reddy, Navin Chaddha, Mayfield's, Chaddha, He's Organizations: Business, Intel Capital, Cisco, Clear Ventures, Mayfield Locations: Mayfield

☆ Around 30% of young people want to retire as millionaires—and over half are confident they can do it
▼ + stars: | 2023-10-06 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +3 min

Young Americans are setting lofty retirement goals — and they're confident that they'll reach them. To figure out how much you may need in retirement, start by using CNBC Make It's retirement calculator. Regardless of their savings goal, most workers are confident they'll be able to save enough to retire comfortably. Your savings rate is the percentage of your pre-tax income that you put toward a retirement savings account such as a 401(k) or a Roth IRA. Ideally, you should aim for a retirement savings rate of 15%, including any employer match, according to Fidelity.

Persons: —, Zers, Bankrate, Xers, Roth, Marguerita Cheng, DON'T Organizations: Fidelity, CNBC, Blue, Wealth Locations: Bankrate, U.S, — Florida

☆ Biomaterials startup Traceless wants to help tackle plastic pollution. It just raised $39 million in debt and equity with this 15-slide pitch deck.
▼ + stars: | 2023-09-25 | by ( Tasmin Lockwood | ) www.businessinsider.com time to read: +3 min

A German startup hoping to help put an end to plastic pollution has just raised 36.6 million euro (around $38.9 million) in a mixture of equity and debt. Hamburg-based Traceless, founded in 2020, has developed a plant-based biomaterial using agricultural waste to replace plastics. The startup material uses the existing natural polymers that are in its raw material, which requires up to 80% less energy to process compared to conventional plastics, Lamp said. Traceless produces its material as small pellets to provide to product manufacturers, which then mould it to their needs. The startup hopes to have replaced 1 million tonnes of plastic by 2030.

Persons: Anne Lamp, compostable, Traceless, Joanna Baare, Baare, Hamburger Sparkasse Organizations: UB Forest Industry, Growth, SWEN Capital Partners, GLS Bank, Planet A Ventures, Tech Locations: Hamburg, Antarctica

WELLINGTON, New Zealand (AP) — The tiny Pacific island nation of Niue has come up with a novel plan to protect its vast and pristine territorial waters — it will get sponsors to pay. “Niue is just one island in the middle of the big blue ocean,” Tagelagi said. It's one of the smallest countries in the world, dwarfed by an ocean territory 1,200 times larger than its land mass. Under the plan, the sponsorship money — called Ocean Conservation Commitments — will be administered by a charitable trust. Simon Thrush, a professor of marine science at New Zealand's University of Auckland who was not involved in the plan, said it sounded positive.

Persons: Dalton Tagelagi, Tagelagi, ” Tagelagi, Niueans, we've, —, Lyna Lam, Chris Larsen, Maël, ” Imirizaldu, Simon Thrush, ” Thrush, I'd Organizations: Niue's, Associated Press, Agriculture Organization, Conservation International, Blue Nature Alliance, New Zealand's University of Auckland Locations: WELLINGTON, New Zealand, Niue, New York, U.S

☆ Fishing startups are making the industry more sustainable by repelling bycatch, recycling nets, and tackling dredging — but they need more cash to stay afloat
▼ + stars: | 2023-09-08 | by ( Tasmin Lockwood | ) www.businessinsider.com time to read: +9 min

But overfishing has left some fish stocks depleted, while destructive fishing practices like dredging have harmed ecosystems . Ocean tech has the additional challenge of "dealing with this chemically rich liquid that basically eats everything that goes into it," Watson said of the ocean. Blue Ocean Gear's data-collecting buoy. Blue Ocean GearFishing for fundingBut Falconer is competing with buzzy tech sectors in the pursuit of venture capital. Without cash flowing in, fishing tech could face a brain drain.

Persons: Daniel Watson's, SafetyNet, Daniel Watson Dan, Eric Li, James Dyson, Enki, Watson, Ed Phillips, Phillips, Dado Ruvic, Kortney Opshaug, Opshaug, it's, Ava Ocean, Maren Hjorth Bauer, Ava Ocean's, Hjorth Bauer, Ian Falconer, I'm, Falconer, haven't Organizations: Venture, Service, SafetyNet Technologies, European Union, Future Planet Capital, Aquaculture, REUTERS, NASA, Ocean, Investors, multibillion, Strategic Locations: London, Dubrovnik, Croatia, Bering, Cornwall

☆ Earth's deep blue oceans are fading and changing color — and scientists aren't sure why
▼ + stars: | 2023-09-04 | by ( Marianne Guenot | ) www.businessinsider.com time to read: +5 min

Two decades of satellite images have revealed that more than 56% of the world's oceans have seen significant changes in color. Scientists fear these color changes could be harbingers of yet another global crisis in ocean food chains as the planet warms. Greener oceans mean more life — and that's not necessarily goodThe color of the oceans can tell us a lot about their health. The ocean's color depends on what's in the upper layer of the water column. In the latest study, scientists used imagery from NASA's Aqua satellite, which has been monitoring ocean color changes for more than two decades.

Persons: It's, it's, Cael, that's, Stephanie Dutkiewicz, Dutkiewicz, I've, Michael J Behrenfeld Organizations: Service, Nature, National Oceanography Center, Guardian, MIT's Department of, Planetary Sciences, Center for Global Change Science, CNN, Oregon State University Locations: Southampton

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