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"Overcoming retirement days is a very hard work to overcome." Indeed, it is very tough to prevail over this phenomenon every person will undergo right after their working days are over. However, you should not worry since there is an answer to this problem, the self-directed IRAway. These IRAs is an exceptional way to build your wealth through retirement.


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DISQUALIFIED PARTY

Almost all assets but two can be invested 100% sure with the IRA under the policy of the IRC (Internal Revenue Code)-collectibles and life insurances. Some of these assets include real estate, gold, tax liens, small franchises and businesses and mortgages. It is not limited to the list given as there are many more assets you can use. Even though you can use any assets, you must comply with the rules and regulations set by the IRC. The only thing that you should avoid executing is the "prohibited transactions". There are many cases of prohibited transactions due to improper management of retirement plan and the so called "disqualified party".


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A disqualified party is, as defined in the Internal Revenue Code:

- The IRA account owner and the owner's spouse

- The account owner's lineal ascendants and descendant

- Your parents and grandparents

- Your spouse's parents and grandparents

- The corporation or the custodian where you have entrusted your investments

- A highly salaried employee of a certain unit or any person that owns a 10% part of a company

- This disqualified party extends to spouse's of your children-daughter-in-law or son-in-law

- Your IRA's investment manager


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PROHIBITED TRANSACTIONS

Your self-directed IRA, just like any other retirement plan, tends to help the account owner's retirement during their retirement days. The self-directed IRA provides rule that will prevent any activity that is not connected in any form to the retirement plan signed. Self-directed IRAs are prohibited directly or indirectly to sell, lease or exchange any property from the IRAs to the account owner or among the disqualified party. Below are the common prohibited transactions (as there are many more prohibited transactions):
  • Living in the house your retirement plan have purchased

  • Using the assets you invested in the IRA  as a loan collateral

  • Lending money to your spouse or children

  • Using the IRA's investment to pay fees

  • Purchasing gems or any kind of collectibles by virtue of your retirement funds Buying life insurances

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There are many things that you can do just to avoid the violations pending to occur against the rules of self-directed IRAs. However, there are many people who tend to take a risk for their investments. Numerous people have the mentality of "risking their investment to a higher level with the anticipation of having a huge payoff". A lot of them assume that the IRS will never catch them. The IRS checks unusual IRA transactions and investments so these people will never get through it.

These are the common errors an account owner usually makes. You are at risk of the prohibited transaction if you have done one of the prohibited acts. Every investors and account owners should make a decision of whether he should take the risk for the pending reward he might get or not. However, if the investor does have an ill feeling about the risk, then he should avoid that unusual transactions and just follow the self-directed IRA way.


 
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Nowadays, investors diversify their investments to different opportunities. Stocks, bonds, mutual funds, collectibles, and real estates; these are the common investments in the market today.

In this article, we will have a brief discussion of real estate investments. Real estate comes in many forms; raw land, commercial and residential properties. These 3 have the same nature but different investing approaches.

Many people invest in residential lots.  A residential lot is land sold for the purposes of building a property for commercial or residential purposes. Commercial spaces are meant for business interests while residential is for building a home for yourself or others. 


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Most persons consider residential lots as a big investment opportunity. Either they build their own homes or use it as an investment. Buying and selling is the most common trend in the market of residential lots today. People attempt to purchase a property at the lowest possible price then sell it with profit generated from the transaction. While some buy residential lots and wait for the value of the property to appreciate, then, sell it. Renting your residential property to tenants would most likely work also. This would give you a constant source of income. However, maintaining a renting business needs attention.

Another thing you need to consider if you plan to invest in residential lots is the location. Location is very critical to the growth and success of your investment. It is the most basic thing to think of aside from your budget. Great locations mean better chances of success while poor ones can lead to your downfall. Always put yourself in the shoes of your target market. Get the most accessible and convenient place to set-up your investment.



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A residential property needs to be monitored every now and then. You should be aware of the cash flow your property is generating. You need to know if income is sufficient to cover your expenses so as not to incur losses. This is to distinguish a move that would solve the problem that you are into. Remember that maintenance and repairs are constant in the investment. So, you have to allocate budget for these future expenses.

Residential lots appreciate over time. In due time, your property would increase in value quite considerably. This would make your investing venture more enjoying since you do not only use rent as a basis for profit but its added market value too. Improvements made to your property can make increases as well. Appropriate developments can favorably increase your rent and even your tenants. 



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However, real estate residential properties aren't easy investments. They need hands-on management and monitoring. This investment doesn't involve the buy and sell movement only, but, in needs craft, skill, and experience before everything else takes place. Be sure that you do the necessary research about the industry and get ready for the big challenge.

Many people who invest in residential lotssucceeded. Residential lots are perfect investments. However, not everyone can be successful. Since not all investors have similar mindsets and strategies in investing. Some may have plans for commercial properties and some are just technically good with residential properties.

Create your own opportunity through investing in what you love the most. Work hard to attain your investment goals, as this has always been the key to success.





Your Real Estate IRA


For more information on your Real Estate IRA, you may visit Asset Exchange Strategies.

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IRAs have a lot of investment opportunities. Some of which are stocks, bonds, mutual funds, real estates, and so on. However, some custodians only permit investments on stocks, bonds, and mutual funds. It is a limitation which has limited investors from choosing better investment options. 

Thus, some retirement accounts paved way for the opportunity of buying residential building in an IRA. These accounts include the likes of ROTH and self-directed IRAs. When choosing residential real estates as investments, you have to consider the following:

Know your budget before purchasing a property. A real estate is expensive. Get your facts straight with your financial capability to distinguish a prospective investment favorable to you.


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If you plan on buying residential building in an IRA, you have to choose the property wisely. Looking for a good real estate is a very important part since this is the basis of whatever results your investment would lead into. This isn't as easy as baking a cake. You have to figure the risks involved, is the investment profitable enough? Research for even the smallest details about the property, distinguish your goals and as well as your target market. Especially when it comes to residential buildings, you have to consider every aspect; accessibility, convenience, and security of your tenants.

Another thing you should be mindful of is tax. Taxes of residential properties vary. Property taxes should be noted before purchasing a property. Know how much you pay from these tax expenses since it will reflect the income gained from the investment.
Creating equity for your real estate is a great idea. Improvements of the investment should be given big attention, since these developments give priority for raising rent.



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Remember; real estate properties appreciate over a period of time. This should be quite beneficial on your part because the value from the moment you purchased the property will increase in time. Hence, you do not only gain income from rents but the simple increase in value is a very advantageous thing.

However, you still need a custodian to supervise your transaction. The custodian may not help you look for a potential investment, but, you can use the custodian as advisor about the risks or legal things involved with the purchase.

Always be conscious that you are not allowed to invest personal funds to your property. Any contribution should be processed under the IRA first before investing in real estates. However, the law limits contributions up to a certain amount annually. Though contributions may have a legal limitation, any profit gained from the investment is limitless. 



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If funds of the IRA limit you from purchasing a real estate, you might want to try having a real estate option. A real estate option is a legal document which gives you the rights on not buying or buying residential building in an IRA. So, no one can buy the property while under the contract. This gives investors the chance of investing in real estate even with limited capital in their IRA.


Many persons see investments in real estates as "too expensive", time consuming, and too risky. Though these investments are complimentary with huge amount of money, they can be the most lucrative way of investing. With the booming economy of the country, this can be the best time to make investments on residential properties.




Buying a Franchise from your Self Directed IRA


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Are you fond of going to beaches to unwind, relax, and have fun? From the busy working schedule and hard work, I'm sure a good vacation would suit all your needs, right? There is nothing better but having the beach as company to enjoy with your family and friends.

Then, you should invest in ocean front land. Ocean front lands have been considered as great investment options. These investments do not only give you monetary pleasures but a change in lifestyle also. Since you own an ocean front property, this would allow you to either rent it for tenants or use it as a vacation place during your free time.


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Investing in ocean real estates is no easy task. You need to know even the smallest details before purchasing a property. Research and do your homework before venturing in such investments. Get to know what's in it for you and the property.

Finding a great location for your beach front investment plays a very important role on the success of your property. Properties nearer the ocean are far more expensive than those located blocks away. You should be aware of your budget so that you can match whatever properties you desire to invest in. Also, beach front properties near cities come in expensive prices as well. But, this shouldn't discourage you from investing since these properties are the most lucrative among them.

Distinguish your target market. Your target market is the main source of income for your beach front properties. Know the different needs and wants of your market. They are your customers so you should anticipate what they're thinking. And plan whatever actions you can make to satisfy their overall demands and needs.




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Get your property rigged. Accessorizing and improving your property is a great idea. This would be very significant to the appreciation of your real estate. Charging a higher rent is a considerable move because of the improvements.

If you invest in ocean front land, you should also have the best marketing strategies out there. You are in a high-leveled competition when you enter the industry. Research about the current trend in the market and adapt with every possible change. Provide promotions for your property that suit the current season. This would allow you to cope up with the competition, if not, lead it.

A usual ocean front property is vulnerable from weather changes. A simple typhoon could destroy all the property in an instant. So, be sure you properly fix and construct these homes to avoid bigger headaches in the future. Get an insurance to cover up future damages and expenses. 




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Ocean front land investments are very rewarding. Gains from this investment are outstanding and its value increases over time also. Though it benefits you from income you generate, it is also a great way to have a wonderful and hassle-free vacation. Since owning an ocean front won't allow you to find for other vacation spots, you would simply use yours for every vacation you plan.

Remember, these investments are very difficult to maintain. Proper strategies, planning, and organizing are needed in this particular venture. Make the right move and invest in ocean front land. An opportunity that gives you the overall package - profit, excitement, and most importantly, fun.




Real Estate Ira Investing


We at myrealestateira.com would like to enlighten and help you understand
your options specifically on real estate ira.

We will help you build your future.

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Getting the cheapest fees checkbook IRA isn't really difficult. You only need a self-directed account and establish a Limited Liability Company (LLC). Creating an LLC under your IRA gives you checkbook control policy. Checkbook control is a benefit of the LLC where it provides the owner to invest in whatever opportunities he likes. It is a very good way of controlling your own investment decisions without the approval or consent of your custodian. The LLC is also directed to your IRA account so you can make an investment anytime and anywhere using the funds of the IRA. This checkbook control, however, is also subject to the rules and regulations of the IRA. Such, as investing in collectibles and life insurances which are not allowed as investments. Custodian-handled or not, transactions between disqualified persons are not allowed and will be subjected to tax penalties. 


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In this way, you are able to avoid transaction-based fees from custodians.

And in contrast to a self-directed IRA, a custodian is needed per transaction. These fees can be made annually, for every transaction, and on commissions. Some of them even charge you with different expenses such as maintenance and asset fees.

Choosing investment options would take time with a self-directed IRA. Since you need the approval of your custodian first, as a result, you may lose turn on the best time for the opportunity because of the processing which takes a long time.


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With regards to a traditional IRA, custodians only allow investments on the likes of bonds, stocks, and mutual funds; a rule where you are deprived of other or even better investing opportunities. Again, you are charged with fees from your custodian.

The cheapest fees checkbook IRA would only revolve around the likes of LLC. An LLC's benefit isn't only checkbook control. A limited liability company's liability is only isolated around it. Leaving your IRA account very secured from its liabilities. Hence, when it all boils down to court proceedings and affirming your liabilities, the assets of the LLC can be liquidated to pay off debts. IRA assets, in this case, are secured from paying off the LLC's liabilities.

However, if you have a current LLC under your personal investments and plan to rollover it to your IRA; it is not permitted. So you must create another LLC under the IRA since all investments are specifically arranged with terms and agreement under your IRA. This is because your IRA and your self are two distinct dispositions. Any investment under your IRA is obliged to be only used upon retirement and investments outside the account are personal as well.


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Investing in IRA LLC requires thorough researching. It is still an owned company so you have to do your homework. Whatever outcome the investment turns out to be will affect your retirement life. You need to take care of the company like taking care of your newborn child. Since the fate of your retirement will be based on how you handle your retirement plan.

So, get the cheapest fees checkbook IRA now and control your retirement destiny. Set up an LLC and make your own investment decisions. Have lucrative investment through this practice. Just don't forget to work hard for each possible opportunity. And feel and enjoy all your hard work and dedication during your retirement.


Cheapest Fees Checkbook IRA -- The Success Behind It

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Nowadays, more and more people are getting conscious about their future plans. All of us plan to have a great retirement life. That's why we work really hard to sustain our everyday needs, provide our desires, and have a stable life ahead of us. To fill the void of the uncertain future of retirement, we avail of retirement plans. Retirement plans are meant to aid our needs once we reach the age of retirement.


People today are getting educated and almost all of them would consider investing to secure them financially. And the best way of mixing investing and creating a firm future is through aself directed IRA. This retirement plan has been the most popular amongst all its kind, because, it provides investors control regarding investments. 

 




In this generation and fluctuating economic circumstances, many people opted to have this kind of retirement plan. Since most of them succeeded in the investing industry through IRA accounts. However, venturing into investments with an IRA isn't easy. Like life itself, you need to know the fundamentals of living. Investing is a very complex journey and money you worked hard for is concerned. Thus, like a newborn child; you should nurture and take care of it by any means. Remember: there are risks involved in every choice you make. So, try identifying those risks first and manage them. Gaining knowledge about the potential investment is very critical. You wouldn't just enter dark paths without asking for directions, right? Human instinct tells us to learn everything first, and, initiate. This is the best way of managing your time, money, and risks.
 


So, what do you get out of a self directed IRA?

In contrast to a traditional IRA, a self-directed account; has a wider array of investing options. Typically, this account is allowed to invest in additional opportunities like real estates, securities, and mortgages. Another great advantage of this IRA is the ability to create a limited liability company or LLC. An LLC is a company wherein it has checkbook control. A control that allows the owner to invest in anything he desires without the consent of the custodian. Since, all IRAs are required to have a custodian for their respective accounts.

Another thing you get the most out of your IRA is control. It is ideal to have control of your retirement and investments. In this way, what you do now reflects the outcome of your retirement life. Basically, your future retirement life is in your bare hands. The good thing here is it deviates from the par-resulted pension plans. Wherein, you are only entitled to receive a certain amount of cash during retirement. Unlike IRAs where it enables you to receive more than pension plans, resulting to a better and a great retirement life.

 
 
Choose which type of investments you want to venture in. Since you have control of your investments, it would be very practical to take part in opportunities where you are experienced and have knowledge in. Thus, it would result to a safe and wise investing procedure.

Have a comfortable retirement with a self directed IRA. Get the most out of this retirement plan since this is for you and your future. Take control of your retirement in line with a very secure investing venture with a self-directed account. What are you waiting for? Establish your own IRA now!
 



Self Directed Ira - Prohibitions and Permissions


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There's so much to think about concerning your future. What's going to happen to you? Would there be a change in lifestyle, would you see yourself living in another place somewhere in another estate, are you picturing yourself having a business of your own that you'd love owning and taking care of for the long run that you can pass to your loved ones time? With the many things that you should consider, it is best that you have a plan right today that you'd thoroughly practice all throughout, especially concentrating your thoughts when just in a few decades or so, that you'd be retired. How long are you off to being retired?  Well if you're that much concerned about the future, which you sure should, then you might want to act now and get yourself to invest your money in different assets or bonds which would make your savings bigger than ever. And investing thru self directed Roth IRA of C-corporation is your ticket to simply making all of it possible.


 



With the much legality that this program has in store for you and with the many more benefits that you'd be happy knowing all about and of course feeling as well, I'm sure that the program wouldn't make you regret being in it for what it's totally worth. Let's take for example, the money that you have contributed in being withdrawn tax free, that is if you meet certain stipulations all about it, and let's not forget that you can pass your said contribution to your relative or heirs that you'd want the money to be passed to in case you deem that you don't need the extra money having more. With a lot of choices that you can choose from when you put your monies in a self directed Roth IRA of C-Corporation, stocks, bonds and different assets that are considered legally acquired thru the program, you can generally expect that you'd be saving up more money than ever you can use in the future.


 

Form one or join one it really depends on your interest on what kind of investment you're thinking right at the moment. Put in mind that there is a limit on which kind of bonds and stocks that you can invest in. But with it being considered as legal entity, a single one that is, finding other people to back you up thru financing is easier, thus making it possible for your investments earn bigger bucks than the usual. Where to find the financial back up, it's simply thru the program for a self directed Roth IRA of C-Corporation. With the many of them who'd guide you into processing the papers and other important documents to make the investments possible, all you have to think about is to where you should sell the bonds and stocks that you'd acquire in the corporation.
 
Think about it, with the much more advantages that you can get thru investing in this type of program, what else is there to be afraid about? With the many that have started and with the many of them that are now thankful, for they're enjoying the benefits that they've risked for earning when they were offered the same thing, wouldn't it be nice for you to be in their shoes too?
 



Self Directed Ira - Prohibitions and Permissions


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With the way the economy is going today and with the industry of owning real estate in full bloom, it sure is nice to invest in one or if you can as many as you would like. It's an investment that you sure shouldn't take twice in investing in for the income that you'd get from it is really rewarding. With a lot of projects all about real estate that are real productive and with the enormous and promising returns from it, it sure would be nice to invest in residential lots as soon as possible right? With the many that you'd find just around your place, or maybe has been recommended by your friend and with the much more that you'd see being posted in different websites today, it'd be great if you act now and do grab the opportunity that you have right now.



Investing today on different projects on real estate, from remodeling a house, to putting up a new building, to fixing parts of residential lots, there really is so much into know more about investing in them. Of course you should know a lot of details about the lot first before you go into deciding if it's worth the risk taking or not, in how many years time would you be able to take in the income that you know is worth for what you'd pay for them, in how much time would it be operational, how much would you shelving out in order to be a part of their company or such and surely a lot of things more that you should really consider. With the help of your family members or friends, taking into consideration to invest in residential lots as soon as now should be worked out immediately. Time is ticking and if you're really looking forward to having a great future, surely this is one answer that you should take into account. With their share of knowledge and maybe some of their colleagues "know how's", I'm sure there is something that they can spit out in order for you to make up your mind and also think about getting a move on about the many offers that you'd see in the web today.





Think and ponder about it, how many people and different colleagues do you know haveinvest in residential lots right now? If you don't have an idea, then you sure are missing out on a great opportunity that's a trend in our time today. It's legal and what is great knowing more about it is that applying to be an investor in such a thing is as easy as it sounds. With many agents to give you the very best of advice and with the great knowledge and experience that they have to tell you, being enticed and more than willing to be a part of many investors who's enjoying the lucrative investing trend today should sink in to you in no time at all.


With this type of investing prodigy that is making a lot of people feel so secured and worry free about their future, you should join them right now to know more about what other things they can get you to indulge in and also see for yourself the extraordinary rewards that you'd get out from it in due time.

 


Real Estate Ira Investing


We at myrealestateira.com would like to enlighten and help you understand
your options specifically on real estate ira.

We will help you build your future.

Call us! 866-683-5228
 

                
With our country's economy carrying on as it is, the prospects for my future retirement is looking grim. I am your typical American blue collar guy, working behind the assembly line of a car manufacturing plant. A US car manufacturer I am sad to say. A wife and three kids. With the recent and quite unforgettable economic collapse still hurting the industry, I am quite uncertain as to how I will be able to maintain the standards of our accustomed lifestyle, such as it is, when I do hit sixty. Is my pension enough? Will my savings be enough? Will I be able to provide for my family? I need a retirement plan. A friend of mine mentioned Self Directed 401K.


To be honest, I was not entirely sure of what this 401k exactly is. So I began to ask around and  do a little research of my own. As it turns out, it's another sort of retirement savings account. One of the nice things about this though is the possible reduction in taxable income. For example, I can divert 30% of my income to a 401k account which leaves only 70% of my wages as taxable income. The 30% that I will deposit to the fund is essentially untaxed, atleast until after I withdraw it during retirement. The earned interest of the fund is never taxed until after funds are withdrawn. Compounding interest with delayed taxation sounds really good I must say. Some employers are also utilizing this sort of plan, helping employees by usually matching the contributions the employees invest. In this case, the 401k is administered by the employer and the employees are given various options in how they choose to make investments. There are Self Directed 401k plans though. Although like other retirement accounts wherein you can only withdraw from the fund at retirement age, a Self Directed 401k offers more flexibility and freedom. 



Self Directed, meaning contributors to the account have a say or a vote on how the funds accumulated in the account should be spent or invested.  Now to me this sounds very reassuring. I suppose most of us have heard about the Madoff scandal and the huge number of people scammed out of their retirement plans. Imagine losing your life savings just like that in investments and transactions you are not even aware of. Personally I would like to know where my money is going. I would like a vote on where my money is going to be spent and on how. We the depositors, should have more administrative roles regarding the future of our investments. I would not want to be some anonymous name behind a deposit slip. This is not just money for most of us. It's going to be our hard earned future. I do not want to be that 85 year old guy working the counter in a convenience store because he lost his retirement fund. My heart went out to that old man when I saw the story about how Bernie Madoff ruined countless futures. I don't want to face that kind of prospect as a retiree. I would like to retire with security, both for me and my family. Maybe this Self Directed 401k is worth a bit more looking into. It sure does look like a good option for me.
 



Self Directed 401k


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The Savings Incentive Match PLan for Employees, otherwise known as SIMPLE IRA, is a retirement option that is usually utilized by small employers, sole proprietorships and partnerships. Any business that is without a current retirement plan and employs less than 100 employees, each of whom with earnings of atleast $5,000 every year for the past 2 years, can establish a SIMPLE IRA. It is an uncomplicated system that is very inexpensive to set up and easier to manage compared to other types of retirement plans. In this type of IRA, the employers match contributions by participants (employees) dollar for dollar up to a maximum of 3% of the contributor's earnings for the year. The employers however, can elect to match 2% of the annual income regardless of how much the employee contributes. They may also choose to reduce that value to a minimum of 1% but they can only do this twice in every 5 years. SIMPLE IRA contributions by partners and sole proprietors have some slight differences over normal employer - employee contributions in terms of taxes. 


                                                


Although there is no filing requirement for the employer, there are still a few steps to follow when establishing a SIMPLE IRA. The first step is issuing a written agreement to provide a retirement plan to all qualified employees. The main requirement participants need is having been able to earn atleast $5,000 every year for the preceding 2 years since the plan's inception. There are two basic forms you can use to set up a SIMPLE IRA. The Form 5304-SIMPLE allows employees to choose which financial institution will receive and hold their contributions in trust. If the financial institution is chosen by the employer then the Form 5305-SIMPLE is used. Alternative documents like the ones issued by banks and insurance companies may also be used. The second step is providing employees with all the information they need to have regarding the plan and their options. This includes salary reduction options with the plan. SIMPLE IRA contributions by partners should be clarified as well since there are some tax differences with regards to self owned businesses. The third step is to set up a SIMPLE IRA for each participant. The financial institutions that receive and hold the contributions have different options the participants can choose from like stocks, bonds and mutual funds. 



The SIMPLE IRA, like any normal retirement plan, has its share of advantages and disadvantages. The funds in the accounts are individually and fully owned by the employees and like other types of IRA there are some restrictions when it comes to loans and withdrawals. With SIMPLE IRAs, loans from the accounts are not permitted. Withdrawals before the age of 59 1/2 incur a penalty of 10% which is then increased to 25% if it occurs less than 2 years after the account has been set up. This type of plan also has limited choices when it comes to investment options and the amount contributed by a participant annually cannot exceed $11,500. One of the best things for an employer about this plan is, as the name implies, that it is simple to set up and implement. The employees share the responsibility of the retirement accounts with their employers. SIMPLE IRA contributions by partners and its taxation should be revised in the future but overall this plan is well balanced to provide more financial stability for the employees' futures. 
 


Real Estate IRA

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