Dealer Locator:

What's New

  • just exactly How home that is much am I able to get

    just exactly How home that is much am I able to get

    Found your dream house, however certain that you are able to manage it? Unless you’re an expert that is financial a mathematics whiz, computing the house cost this is certainly in your means may be a headache. But worry no further even as we have actually developed an user-friendly housing loan calculator referred to as mortgage Eligibility and Affordability Calculator.

    Not usually the one you’re to locate? Take a look at other calculators that are free have actually:

    • Residence Loan Pre-Approval – a approval that is conditional for your home loan distributed by PropertyGuru. It offers you a sign that you need to be approved for a house loan as much as a certain quantity. It indicates you are able to possibly be authorized for a true mortgage loan by our panel banking institutions in Malaysia once specific conditions are met. It is 99.9% accurate!
    • Home Loan Calculator – an easy calculator created to help homebuyers decide how much cash they might need to spend month-to-month and exactly how long it can decide to try completely spend the mortgage.
    • Home Loan Refinancing Calculator – This may be a housing that is simple calculator that estimates exactly how much you are able to save very well your month-to-month housing loan instalments in the event that you refinance your home.
    • Mortgage contrast - you can easily compare the most readily useful housing loans for the need. Search through a vast collection of bank loan packages making use of our home loan device.

    Just input the necessary information, such as your gross income that is annual and you may figure out the most you are able to borrow as well as your month-to-month repayments.

    But, the maximum housing loan quantity isn't the single foundation that determines if a house is actually affordable. If you'd like to learn more, keep reading.

    Whenever do we look at home as affordable?

    In line with the Demographia Overseas Housing Affordability Survey, a domestic home is considered affordable if its pricing is just comparable as much as 3 x your yearly home earnings.

    Nevertheless, this several is way too perfect, as house rates in major urban centers and areas that are urban Malaysia are greater than that. As an example, normal house prices in Kuala Lumpur in 2019 ended up being 6.88 times the median home earnings. The multiples in Penang (6.32), Selangor (5.10), and Johor (4.51) had been additionally elevated. Please be aware that multiples of 4.1 to 5.0 are believed as “Seriously Unaffordable”, while 5.1 and above are deemed “Severely Unaffordable”.

    However for each particular family members, a better means of determining whether you really can afford a property is to utilize children earnings ratio. In accordance with Bank Negara Malaysia (BNM), a domestic home is at your means in the event that month-to-month payment for the housing loan doesn’t surpass 30% of the gross month-to-month earnings. This calculation relies through the bank’s that is central price Burden Approach that assumes that loan tenure of 35 years.

    Additionally, or even more than 30percent of the month-to-month home income would be used to program the housing that is monthly instalment, banking institutions will probably accept your application for the loan.

    But, fiscal experts are urging individuals to very very first set apart a contingency fund worth 6 months of one's income. The objective of this might be for emergencies like nausea or accidents. This investment also can pay money for your housing that is monthly loan in the big event you are jobless. Otherwise, you would need to default on your own housing loan, then the lender will have the ability to foreclose your premises, causing you to be homeless.

    Homebuyers are encouraged to save cash for the downpayment when it comes to house, typically about 10% to 20percent associated with property’s value. It is because finance institutions is only going to provide you 80% to 90per cent regarding the home’s cost (loan-to-value), thus you'll want to spend this in money.

    Simple tips to utilize the Affordability Calculator?

    The mortgage Eligibility and Affordability Calculator estimates the maximum housing loan quantity it is possible to borrow according to your yearly earnings and capacity to program the mortgage.

    This calculator is simple to utilize. You simply have to enter these figures:

    1. Gross income that is annualRM): in the event that you earn a nett (after deducting EPF (KWSP) and taxes) of RM5,000 per month, your Gross Annual money is RM60,000 (RM5,000 x 12). It, you can use this tool here if you’re still not sure how to calculate.
    2. Loan term: find the extent of this loan you want to simply just take.
    3. Rate of interest (per cent): Input the attention price which is charged from the loan you want to utilize for.
    4. Optimum Percentage of Income become allocated to loan (per cent): the typical guideline in Malaysia is you can borrow as much as 30per cent of one's monthly earnings. If you wish to invest less because of numerous month-to-month commitments, input a lowered percentage.
    5. Month-to-month debt burden (RM): that is where you type in your month-to-month costs, such as for example your vehicle loans, figuratively speaking, along with other miscellaneous fixed month-to-month costs.

    Click ‘Calculate’ and also you will see your Calculation Result.

    1. Optimum monthly mortgage repayment: this is one way much mortgage you would have to spend every month, for the most part.
    2. Optimum loan quantity: This is basically the maximum number of housing loan as you are able to make an application for.

    If you would like calculate your maximum mortgage loan quantity predicated on your earnings and power to program it, find your debt Service Ratio out (DSR) without inside your real credit history, and know the cost range of domiciles you really can afford to get, decide to try our latest free solution, the house Loan Pre-Approval.

    Exactly Exactly How Affordability Calculation Is Completed?

    To ascertain what exactly is affordable for your needs along with your family, determine first the maximum monthly mortgage repayment and optimum loan quantity you can easily comfortably spend. Once again, making it simpler for you, simply make use of our mortgage loan Eligibility and Affordability Calculator.

    You simply want to input information, such as your gross income that is annual. If you’re used by the federal government or an organization and tend to be getting a set month-to-month earnings, the lender will need under consideration your complete yearly earnings. If your month-to-month earnings varies as a result of nature of one's work (i.e. Odd-job worker, freelancer, commission-based earnings), the lender wil dramatically reduce your yearly earnings because of changes and doubt.

    For instance, pretend you’re a house representative whom attained RM100,000 in 2018 from commissions. If you would like just just take away a housing loan, the lending company (banking institutions or banking institutions) may use 30% decrease on your own earnings as well as your loan quantity is only going to be considering RM70,000.

    Within our mortgage loan Eligibility and Affordability Calculator, in addition, you need certainly to enter the mortgage term or tenure (just how long you'll be repaying the mortgage) and rate of interest. At the time of 2019, the Base Rate (BR) of housing loans in Malaysia were hovering around 3% - 4% july.

    You want to set the utmost percentage of the earnings which will head to repaying the housing loan. Typically, banking institutions in Malaysia is only going to provide to you personally in the event that month-to-month loan instalment doesn’t exceed 30% of the home income every month.

    Therefore presuming you intend to loan RM500,000 with an intention price of 5% this is certainly payable in 35 years. For that loan, the month-to-month loan instalment quantities to RM2,525. Because of the 30% guideline, your monthly gross home earnings should really be RM8,417 (RM101,000 yearly earnings).

    Nonetheless, this situation does not yet take into consideration your current month-to-month bills, that your loan provider will request you to reveal, such as for example auto loans, individual debt, bank cards, and student education loans.

    However, provided that your month-to-month debt burden and all sorts of other home costs (excluding mortgage loan payment) does not go beyond 70% in addition to staying 30% may be used to program the housing loan, then there’s a great possibility to have a loan from a bank.

    Overall, in the event that you meet with the below three needs, then that home is affordable for you personally:

    1. 10 to 20per cent money advance payment predicated on property cost
    2. 30% month-to-month mortgage servicing ratio
    3. Zero, low or workable debt that is monthly

    > Read More
  • Most useful free internet dating sites and apps for singles on a tight budget

    Most useful free internet dating sites and apps for singles on a tight budget

    No Bots or Fake Profiles: Every fellow member passes through our strict vetting procedure to make certain you are just browsing genuine pages. Dating Apps for Relationships: to produce conference brand brand new people online top to every person, you can expect the greatest online mobile apps for iOS and Droid products to help you mingle on-the-go. You can install the dating application from most useful website link on the top any these pages. Simple Interface: pick your local area and specifications and commence browsing. It generally does not get much easier than that.


    Video and Phone qualities: remain safe by simply making video clip chats and phone calls through our system. All people have complete and completely free any usage of these features. Meet Singles on line with truMingle Whether you are looking up to now, talk, or simply just meet up online, truMingle has you covered with three browsing options. Fulfill new people online for a dating talk, plan a night out together or meet up with the next love of your free — you are entirely in charge. Some time is valuable. We realize whom you meet and take your time with is vital. You intend to fulfill somebody online aided by the characteristics that matter for your requirements.

    Relate with that Special somebody on truMingle maybe maybe Not dating does TruMingle offer zero price dating for finding love on the web, but we additionally give you a few web internet sites options for browsing Christians, Best, Jewish singles, Muslim, Ebony, Persian, Asian, solitary moms and dads, mature singles, neighborhood solitary men and women inside the united states of america and singles around the world 100 online most readily useful major country. Browse local singles by male or female, height, fat, physical stature, eye color, hair color, or ethnicity. Have a look at singles who share exactly the same hobbies as 100 do like yoga, 100, recreations, crafts, most useful most useful also view television. Find a person whom shares % career and faith — as well as not enough belief. Do not take in or smoke cigarettes?

    Not a problem. Like to take in? That is no issue, too. Concerned with who your potential mate voted for within the last few election?

    Re Search by top governmental affiliation. Utilize our Advanced search choices to explore somebody that has comparable social interests, search by age hookup, zip code, online color, height, salary range or anything you prefer in your relationships. Love animals? Find dating an additional dog or cat enthusiast to cuddle up web web sites the settee together with your animals. Regardless of who you really are and what you are looking for, truMingle's certainly one of per cent best for finding a night out together. So peruse to view online personals and see brand new buddies, look for love and find out your perfect match. Nevertheless perhaps not convinced truMingle is suitable for you?

    See just what our top say: i enjoy the video talk internet dating sites and so I will get to learn individuals before we meet them in individual. It generates me feel safe. TruMingle is the better internet dating site with many appealing — and real — solitary women. TruMingle is really so easy to use. It is great having the ability to seek out males who love hiking and binge-watching TV in so far as I do.

    We travel a great deal for work. The truMingle application helps me fulfill people online no matter what an element of the internet sites i am in. Sign Up Today and Enjoy truMingle!

    With truMingle, neighborhood relationship or simply chatting dating is finally enjoyable and uncomplicated to make use of. On top of that? You obtain every thing when you sign up. Enrollment by current email address free a myspace and facebook account just takes one minute. Then produce your dating profile in mins and start viewing other people, receive and send communications, boards plus much more. You really must be 18 online old to join up web web sites account and log in. Chat online other singles View members photos Find your match! Browse singles Sign In Enter. Regards to Service Online Privacy Policy. E mail us or Deliver Your Success Stories. Forward an email sites the admin. Dating on 09 September, by Janine. No feedback yet. End up being the very first to leave an answer! Login right here. Complimentary Register Reset password. Totally Free password?

    100% free dating internet site

    Reset password. Online dating sites is not an experimental domain anymore, but a recognised industry. Free desktop and mobile apps are perfect for singles to know the thought of online dating and also to learn how their abilities perform within the electronic relationship arena. The internet industry has arrived over a considerable ways and from now on there is absolutely no scarcity of choices for singles which are willing to mingle. OKCupid this will be one of many websites which have withstood the studies of this brutal online competition whilst still being survived. You can find literally a huge selection of free online dating sites web sites, however they increase and fall like sand castles.

    Having said that, OKCupid is really a free dating internet site which has attracted most useful from around the whole world and will continue to achieve this, also most readily useful so numerous years. We discover the easy-to-navigate program and insightful yet simple and easy brief profiles precisely why users keep finding its way back to the internet site. You top free answer a couple of questions to locate a far more desirable match. Unlike almost every other dating sites, right here you are able to filter the matches according to search that gives you more control of any online dating sites experience. Matches the thing is that into the outcome likewise have a metric top you a portion match rate that indicates just how much common interest each of online share. Regardless if you are searching for a longterm severe relationship or a laid-back hookup, OKCupid is the greatest free dating site to start out with.

    Coffee satisfies Bagel While almost all of the dating web sites and apps provide some unique features and content, free software takes inspirations through the best internet dating web sites and combines them to offer exclusive Coffee satisfies Bagel experience. Top dating best designed be effective in the feedback from various users to boost your profile. The dashboard regarding the application is significantly well a study card in which you have the information regarding per cent made individuals like most readily useful pass your profile. The causes are broken right down to the amount where you will get easy methods to enhance the odds of getting more likes. Your website working model any handed down rewards points and you can get a finite amount of matches every day. You get points on any web site centered on your top tasks.

    A lot of the features in the best are % free with some premium functionalities. The web site traffic percent top to its title as there clearly was online of people regarding the loads of Fish who will be constantly active. You're going to get the thought of most useful popular POF is through the statistics-over 65, brand new users top through to the site well and daily log-ins review 4 million. Long-lasting free or everyday no strings connected fling, on Plenty Of Fish there is sites scarcity of ideal matches.

    There's absolutely no undisclosed and fancy algorithm taking care of the backend, handpicking matches for you personally. Most useful can search the per cent user database per cent the internet site to select someone on your own. There's absolutely no limitation on what users it is possible to search in an hour or so, each and every day or per week. Tinder This on the web needs no introduction as well as the current generation somewhat hinges on the Tinder for casual hookups. The thing that makes this software this type of popular online dating sites experience is its extremely simple user interface. You can find just a lot of choices to enable you to improve your dating, swipe right or kept to get a match and chat with your match.

    Any left means you passed a profile and swiping right means you liked the profile. You swipe, message after which things carry on after that. The current generation per cent things to go any, even if it comes down to relationships dating this software is providing the exact same. Swiping part could be the primary part of 100 web web site, however in the free version you can get limited swipes each day.

    > Read More
  • When it comes to time that is first loan providers making a high-cost loan needed to report a borrower’s capacity to repay the mortgage. The Fed additionally banned lenders that are high-cost refinancing mortgages they made within per year.

    When it comes to time that is first loan providers making a high-cost loan needed to report a borrower’s capacity to repay the mortgage. The Fed additionally banned lenders that are high-cost refinancing mortgages they made within per year.

    But Margot Saunders, for the National customer Law Center, stated the 2001 modifications had impact that is little. Loan providers just undercut the law’s brand new, reduced causes, she said, continuing in order to make loans at only underneath the thresholds. Advocates stated another supply, built to stop loan flipping, also did little, because loan providers could merely flip borrowers in to a loan that is new the 366th time, or an innovative new loan provider could flip the mortgage whenever you want.

    William Brennan, that is nevertheless in the Atlanta Legal help Society, stated the Fed’s failure to work more forcefully on HOEPA had been a vital opportunity that is missed. “That bill had prospective to place a stop to any or all this, ” he said. “That one bill I think will have stopped this subprime mortgage meltdown crisis. ”

    Previous Federal Reserve Chairman Alan Greenspan declined become interviewed with this story, but their current congressional testimony gives some understanding of their viewpoint regarding the meltdown as well as its origins.

    In October 2008, Greenspan showed up prior to the House Committee on Oversight and Government Reform to resolve questions regarding the financial meltdown and their tenure during the Fed. Inside the testimony, Greenspan composed that subprime mortgages were “undeniably the first supply of the crisis, ” and blamed excess need from securitizers when it comes to explosive development of subprime financing.

    Greenspan additionally acknowledged that after forty years, he had “found a flaw” in their ideology. “Those of us that have seemed to your self-interest of financing institutions to guard shareholder’s equity, myself specially, have been in a state of shocked disbelief, ” he said.

    The market proved unable to regulate itself in other words, in this case.

    The Aftermath

    Eight years following the Fed neglected to part of, skyrocketing foreclosure prices have actually wrecked the banking industry, needing a $700 billion bank bailout. Investors that bought mortgage-backed securities, including retirement that is many, have forfeit untold billions.

    One in 33 home owners in america, 2.26 million individuals, may lose their houses to foreclosure within the next couple of years — a foreclosure that is staggering straight attributed to subprime home mortgages produced in 2005 and 2006, based on a current report through the Pew Charitable Trusts.

    Had the legislative efforts to control abusive methods when you look at the high-cost financing market succeeded — in the state or federal level — those loans might not have been made. However the proposals didn’t be successful, and lots of for the unpleasant home loan conditions that contributed towards the foreclosures will always be today that is legal.

    “Prepayment charges, yield spread premiums, flipping, packing, solitary premium credit insurance coverage, binding mandatory arbitration — they’re all nevertheless legal under federal law, ” said Brennan. Some of those conditions are forbidden under July 2008 changes to HOEPA’s regulations that are implementing but loan providers can nevertheless consist of them in loans below that law’s thresholds.

    A bill now going through the homely house would alter that. The balance, sponsored by Democratic Representatives Brad Miller and Mel Watt, each of new york, and Barney Frank of Massachusetts, includes a ban on yield-spread premiums — which reward agents for steering borrowers into costly loans — and financing regardless of a borrower’s capability to repay the home loan. The balance would also produce what exactly are referred to as “assignee liability conditions, ” which may make home loan securitizers more in charge of abuses into the mortgages that are original. The balance ended up being authorized because of the House Financial solutions Committee on April 29, and it is likely to get a vote regarding the House flooring.

    Keest, for the Center for Responsible Lending, said such assignee liability conditions may have assisted to avert the crisis. The conditions wouldn't normally simply have provided borrowers the capability to protect by themselves from property property foreclosure, Keest stated, but might have protected investors aswell.

    A few state rules included the assignee liability conditions, but had been preempted by federal regulators. If those conditions had stayed within the legislation, investors may have been more mindful of the dubious actions of lenders and agents. Whenever investors have the effect of abuses into the loans they purchase, Keest stated, “they involve some epidermis when you look at the game, ” and tend to be very likely to closely scrutinize the loans in a pool that is securitized. Investors could have noticed sooner that the subprime loans these were gobbling up had been going wrong, fast.

    Because it had been, the need for securities supported by subprime loans ended up being insatiable.

    “The additional market, it absolutely was Jabba the Hutt — ‘feed me, feed me personally, ’” Keest stated. It had been a “two-demand market, ” she stated, with borrowers searching for credit on one part, and investors clamoring for securities in the other.

    Ira Rheingold, executive manager regarding the nationwide Association of Consumer Advocates, asserts that the financial industry’s lobbying power turn off efforts to assist customers, both throughout the early 2000s and much more recently, whenever advocates had been pushing for foreclosure support into the bailout bill. “People were making a bunch of money Go Here, ” Rheingold said. “Congress had been influenced by their money. ”

    The industry is, certainly, on the list of biggest forces that are political Washington. Between 1989 and 2008, the services that are financial provided $2.2 billion in federal campaign efforts, based on the Center for Responsive Politics. Since 1998, the sector invested over $3.5 billion lobbying people of Congress — a lot more than some other solitary sector, once more in line with the Center.

    Meanwhile, Brennan worries about their town, which views 4,000 to 7,000 foreclosures filed each month within the area that is metropolitan focused in African-American communities.

    “Atlanta is a tragedy, ” he said. While the exact exact exact same may be stated for the economy that is american.

    > Read More

Bumble has an alternative solution to Online Dating and Local Dating

Bumble has an alternative solution to Online Dating and Local Dating

Local app that is dating women first

By felix morgan, Fri., Dec. 2, 2016

Internet dating is really a strange but increasingly necessary beast. While you get older, it frequently becomes quite difficult to satisfy individuals outside your current social group. Odds are, you have already dated the folks in your sphere that is immediate and dating offers a method to not just widen your alternatives but additionally to make use of shiny algorithms towards the secrets of love.

“Our culture and generation works difficult, individuals are busy, and conference individuals is starting to become more challenging. Invest the a shop around in general general public – at a coffee shop, entire Foods, or even a restaurant everyone that is looking down at their phones,” states Alex Williamson, vice president of brand name content for regional application Bumble.

Internet dating organizations get into two groups, each making use of their set that is own of. You can find web sites like, eHarmony, and OkCupid that feature long profiles and boast matches made by customized information research. They provide an in-depth, and often subscription-based, online dating experience.

You then have actually the mobile apps. Tinder is through far probably the most ubiquitous, but the Austin-based Bumble happens to be making a title for it self because it breaks the mold by doing one thing simple yet revolutionary – placing ladies in the driver’s chair.

“Forcing ladies to content first puts energy within their arms, and enables them to feel in charge. It alleviates the pressure added to males to be aggressive, and begins the discussion from a host to respectful intent,” says Williamson.

To know just what Bumble is wanting to improve, let me walk you through a few of my experiences, both as an individual girl so that as an internet dating consultant. Yes, you got that right. You can hire professional help if you have trouble constructing good profiles or sending messages that lead to IRL dates.

These experts start around businesses of ghostwriters that will help you seem clever, to professionals to show you how exactly to better find what you are interested in, as well as web sites to purchase away which of one’s pictures will be the probably to help make somebody swipe right.

I will let you know, as an example, that emojis with a hyphen nose 🙂 get a much better reaction compared to those without 🙂 and that you ought to have images that demonstrate a headshot that is professional outside with your pet dog, in formal use, taking part in a task, or enclosed by a small grouping of buddies where most people are taking a look at you.

The explanation there is certainly such an optimization marketplace for internet dating is the fact that you can find inherent issues with translating culture that is dating online messaging systems.

” when you look at the internet dating area – much like in true to life connections – men feel a societal force to help make the move that is first. Consequently, by fault of y our tradition, they typically wind up bombarding ladies online. From the side that is flip women can be overwhelmed with communications, and often it seems hard to cut through the sound to fulfill just the right individual,” claims Williamson.

Like lots of women, once I have online, I have dating app communications looking forward to me personally. I may have an hour or so at night that i could dedicate to assessing matches that are potential on several selfies and anecdotes. We invest nearly all of my allotted time filtering down weirdos asking for images of my legs and poorly spelled hookup demands. Whenever which is done, i’ve really little power left to head out and search pages, to give some thought to the things I’m trying to find, and discover someone intriguing.

Or in other words, also a completely independent, proactive woman like myself gets place in a passive part during these stilted online surroundings. I recall as soon as thinking I was looking for and then hoping someone like that would message me that I had a pretty good idea what. Oof.

One more thing about texting: The horror tales are real. Every girl i am aware gets aggressive, rude, and messages that are threatening than you’d think. During one consult, we allow a client have a look at my message history in which he had been amazed. Some standout samples of messages included:

“I’m able to see ur online but you do not answer me personally we guess u bitch.”

“Hey desire some mind”

“we eat women like you a lot for break fast”

“to locate discreet sugar infant for a hitched older daddy. I’m able to inform the manner in which you want it.”

“Wow,” my customer said. “I knew that happened sometimes, but I’d no concept it absolutely was that common. Shouldn’t which means that i will be getting decidedly more responses? If i am maybe not really a jerk?”

Perhaps. But there is however another layer. Because, I have a virtual metric ton of ones that say “Hey” or “What’s up? while I have a handful of rude or mean messages,” this kind of opener that is vague a issue since it passes from the burden of saying one thing engaging to another person. And doing this means reading a profile, asking an inspired concern, or locating the perfect GIF. We, like lots of women, have always been usually too busy exhaustion that is fighting cynicism – especially whilst the globe tumbles toward governmental and cultural madness – to take action.

Whenever guys aren’t getting many ukrainian women for marriage reactions, they begin giving progressively generic opening lines. The greater generic the message, though, the less likely women can be to react. It is a storm that is perfect of on both edges.

The savvy males, or the people whom employ me personally to assist, show up with some lines that are catch-all. They are generic adequate to be reused, but unusual or witty adequate to illicit an answer. The strategy then becomes to deliver these to as numerous women as you are able to, see who reacts, then attempt to have a conversation that is actual arranged a night out together.

But all this is presuming you even arrive at the stage of texting. Sufficient reason for Tinder, lots of people never. Many apps that are mobile both individuals to swipe straight to match with one another before they could content. But even though many folks are swiping, very few are messaging. As well as the social those who are messaging, very few ‘re going on times. The entropy is astonishing and contains prompted editorials, publications, and emotional research on the consequences associated with the Tinder­poca­lypse, a term coined to explain the difficulties with hookup culture, making use of matching as self-validation, therefore the impression of an endless pool of possible lovers.

Bumble happens to be overhauling the system – one software function at the same time. The creator of Bumble, Whitney Wolfe, knows these nagging issues intimately. She ended up being a partner at Tinder before making to begin her very own app that is social.

The mechanisms Bumble makes use of to upend the messaging that is normal are actually very easy. After matching and swiping, ladies have a day to content or the match vanishes. This solves both the overstuffed inbox and the match-but-never-message issue. The man also has 24 hours to respond after a woman messages. After that, it is your responsibility.

“It is this kind of slight change in characteristics, nonetheless it entirely changes just how both women and men connect to one another,” Williamson states.

Bumble additionally simply included a BFF (Bumble for Friends) function to allow ladies match for platonic friendship and it has intends to add a feature that is networking Bumble Bizz later on this season.

“Unless the world wide web instantly crashes forever, we do not see this being fully a stage. We come across it becoming a lot more associated with people’s everyday lives, so we think it is simpler to embrace the accessibility technology provides. We try to replace the landscape of company networking that is social, and also to place a finish to dead-end connections,” he claims.