When youre applying for a loan, most lenders use gross monthly income to determine your debt-to-income ratio (DTI). This determines when you get paid for your work and any benefits such as paid time off. And to make sure they're in good working condition, the dealership provides a full inspection and repairs before they're sold. Make sure you include every single purchase and expense within your ongoing budget. Track how much you have saved towards your goals. A biweekly pay period is typically 80 hours. into its equivalent stated in all other common periodic terms. 20% for savings (investments and debt payments). Also, each semimonthly check can be dedicated to particular expenses. Math Index Use this bi-weekly time card calculator to track two weeks of work at a time. Once your calendar is complete, save it in a location that is accessible to everyone who needs it (such as on a shared network drive or cloud storage service). Its hardly a surprise, but one of the best ways to save money when financing a vehicle is to purchase a less expensive automobile. For employees, there are pros and cons to biweekly pay. What to include in your first biweekly zero-based budget: What to include in your second biweekly budget: Organize your finances to simplify your life, Dont forget to include a buffer in your budget. You would pay $233,139.46 in interest over the life of the loan making the standard monthly payments. There are 26 biweekly pay periods in a year. WebBiweekly to annual: To convert biweekly income to annual income you would typically multiply your biweekly income by 24, 25, or 26. Rate tables for various loan products are shown in the tabs below. How much of my biweekly paycheck should I save? To calculate PTO, this number will be converted to hours by multiplying the number of days provided by the standard hours worked per day. ","acceptedAnswer":{"@type":"Answer","text":"\n\nTo calculate pay periods, you will need to know the following:\n-The start date of the first pay period\n-The end date of the last pay period\n-How often employees are paid ( weekly, biweekly, monthly)\n\nFrom there, you can use a calendar or online calculator ( like this one from the U.S. Department of Labor) to count the number of days in each pay period. Divide the New Weekly Rate by Number of Workdays The following table lists the effective pre-tax hourly wage associated for various biweekly incomes across 40 & 50-hour work weeks. When you push CALCULATE, youll see your bi-weekly payment amount and the total interest youll end up paying. Use our calculator to see the difference between bi-weekly and monthly payments. Our rate table lists current home equity offers in your area, which you can use to find a local lender or compare against other loan options. To calculate the number of days in a period in Excel, you can use the DAYS function. Step 2. 2. ","acceptedAnswer":{"@type":"Answer","text":"\n\nThere is no one-size-fits-all answer to this question, as the best way to create a payroll calendar in Excel will vary depending on the specific needs and requirements of your business. This function will return the number of whole days between two dates, excluding weekends and holidays. SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. WebBi-weekly and semi-monthly are the most common methods to pay for hours worked. When you start paying back your loan payments, on longer loans (such as mortgages) the majority of your monthly payments will be interest. However, there are some general tips and advice that you can follow to help you create an effective payroll calendar in Excel: 1. Some employers who have mid-level management on salary often view getting management to work a bit longer as free labor. If you receive bi-weekly pay, you can calculate your monthly earnings using a simple formula. Compared to weekly paychecks, both biweekly and semiweekly checks require better cash management on a weekly basis. Make sure that any additional payments you make will be applied directly to the principal. Gross wages cannot always be found on a W-2 form, due to various pre-tax deductions. etc. WebYou can pay off your mortgage years earlier and owe less interest by dividing your monthly mortgage payments in half, and paying that amount every other week. (Do not use this formula if youre paid twice a month on the same dates, rather than the same days of the week.) Bi-weekly is not the same as twice a month. Note: There is a limitation for this method. Biweekly Salary Basics. To calculate their semimonthly or biweekly pay, divide the employees gross annual pay by the number of pay periods in the year. $65,000 - Taxes - Surtax - Health Premium - CPP - EI = $ 48 053.39 / year (net) $48 053.39 / 52 weeks = $924.10 / week (net) WebBiweekly pay is a method of payment where an employee receives their wages on a two-week basis. There are many pre-built Excel templates available online that can be used for creating a payroll calendar; alternatively, you can also create your own spreadsheet from scratch. These budgeting worksheets will help you figure out how to budget biweekly, whether you get a paycheck once, twice, three or four times a month. There are always 26 paydays a year with biweekly pay. Therefore, if your monthly payment is $1,500 a month, you would pay $18,000 a year with monthly payments. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. In this method, Zenefits spreads deductions evenly over all26pay dates in a year. This determines when you get paid for your work and any benefits such as paid time off. Be sure to include your regular savings amount, which traditionally is 20 percent of your monthly income. Multiply your bi-weekly pay by the number of paychecks you will receive in the year. ","acceptedAnswer":{"@type":"Answer","text":"\n\nThe best way to auto calculate dates in Excel is to use the DATE function. Whichever option you choose, make sure that your spreadsheet is set up in a way that is easy to understand and use. How to budget when you get paid every two weeks Whats the best option? This function takes three arguments: year, month, and day. The Federal Reserve has started to taper their bond buying program. * SoFi Lending $10 Check Your Rate on a Personal Loan or Student Loan Refinance Promotion (Promotion): The Promotion is offered by SoFi Lending Corp. or an affiliate (dba SoFi). The only problem is that you want to make sure you get a reliable vehicle that has all the amenities you crave, including a warranty. Depending on the terms of your loan, switching payment frequency could cut your loan by as much as eight years. It can be easy to confuse biweekly and semi-monthly pay. Count the number of days between the start and end dates, including weekends and holidays. If you are paid semi monthly, the holiday season around December can sometimes mean getting paid early in the month and then not getting another paycheck until the end of January, plus perhaps spending one months budget on the festivities. The larger your loan balance, the more interest you will pay. However, like everything, there are disadvantages to biweekly pay cycles, such as complex deduction calculations. ","acceptedAnswer":{"@type":"Answer","text":"\n\nThe number of pay periods in a year is determined by the payroll schedule. Recommended: Does Net Worth Include Home Equity. Play with different amounts to see how much you can save by paying more each month. Another way to calculate dates is to use the DAYS function. One way is to use the DATEDIF function. There are a few different ways that you can calculate biweekly pay periods in Excel. This could confuse your budget for those two months. However, there are some general tips and advice that you can follow to help you create an effective payroll calendar in Excel:\n\n1. How often do you need to run payroll? However, there is a significant difference. Tax and other deductions can be complex With semi-monthly pay, it is easier to work out the appropriate deductions evenly for each calendar month. A budget planner app can help you decide the best approach for your situation. Sometimes, that content may include information about products, features, or services that SoFi does not provide. Gross monthly income is the total of all paychecks and income received in a month, including any side hustles, rental income, etc., but before taxes and other deductions. 3. Employees who receive biweekly pay get two checks or direct deposits each month, except for two months of the year when they receive three paychecks. This is dependent on the business, payroll system and the individual. This would entail eight paychecks each month. Each is useful in different situations. A semi-monthly cycle is when you are paid twice a Webstub. can i delete internet explorer 11 windows 10? However, there are only 12 months in the year, and if you were making two payments each month, you would only be making 24 payments a year. ","acceptedAnswer":{"@type":"Answer","text":"\n\nMost employers calculate pay periods on a weekly, biweekly, or monthly basis. "}},{"@type":"Question","name":"How do I Auto calculate dates in Excel? SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. For example, if an employee works five days per week, the pay period would be every five days. n`PHDpP B?ipT[z{6 Once your calendar is complete, save it in a location that is accessible to everyone who needs it (such as on a shared network drive or cloud storage service). For your monthly net pay, substitute your net or take-home pay for the gross amount in the same calculation. For example, to calculate the date April 1, 2020, you would use the following formula: =DATE(2020,4,1). Deductions for Employees Paid Bi-Weekly. Salaried workers pay is based on an annual amount that is divided into 12 months, so it makes sense that semi-monthly would work better for them. WebUnder a biweekly payroll schedule, employees receive a check every two weeks, which equals 26 paychecks per year. Divide the number of days by 7 to get the number of weeks in the pay period. By converting to bi-weekly payments, you essentially pay one extra payment toward your principal each year. We develop content that covers a variety of financial topics. Answer a few questions below and connect with a lender who can help you refinance and save today! This button displays the currently selected search type. These budgeting worksheets will help you figure out how to budget biweekly, whether you get a paycheck once, twice, three or four times a month. What Influences a Companys Payment Cycle Decision. WebIf you work 40 hours a week then converting your hourly wage into the weekly equivalent is easy as you would simply multiply it by 40, which means adding a zero behind the hourly Instead, look at the gross amount listed on the employees final paycheck for the year. #HR #HumanResource #FutureOfWork, Do you have an upcoming interview for an HR assistant role There's no better way to prepare than having a clear picture of the questions that often get asked. So look into institutions in your area to see if you qualify for membership. If anycatch-upsare required, they will show up along with normal deductions. For example, if an organization has bi-weekly payroll (every other week), there will be 26 pay periods in a year. Can get paid for overtime quicker This benefits both the employee and the employers, as employees may be more willing to take on overtime during busy periods as they know they will receive the extra money no more than two weeks away. A semi-monthly pay schedule is 24 checks per year. $55,000 a year is $1,058 per week. Choose a template or create your own custom spreadsheet. WebThis calculator shows you possible savings by using an accelerated biweekly mortgage payment. This function will take two dates and return the number of days between them. As we spelled out above, if youre paid biweekly (every two weeks), the formula for gross monthly income is: (Gross pay amount 26) 12 Hourly workers can also use For example, if an organization has bi-weekly payroll (every other week), there will be 26 pay periods in a year. WebFree timesheet calculator biweekly - Enter hours worked, breaks, and hourly wage for a weekly or bi-weekly total of estimated pay for your employees. $55,000 a year is $2,115 per two weeks. Which months youll need to pay the bill. Multiply the number of hours worked in the pay period by the employees hourly rate to arrive at the gross pay. Math Index Use this bi-weekly time card calculator to track two weeks of work at a time. For example, if your pay period is every other Friday, and you have a start date of January 1st and an end date of January 31st, the formula would be =NETWORKDAYS(A2,B2), which would return 10 pay periods. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. It will figure your interest savings and payoff period for a variety of payment scenarios. "}},{"@type":"Question","name":"How many hours is a biweekly pay period? \n3. WebIf you pay your employees biweekly or monthly, start by calculating your employees weekly wage. This calculator will help you to quickly convert a wage stated in one periodic term (hourly, weekly, etc.) To switchto a different method, contact Zenefits Support. Use the following formula to calculate a bi-weekly cost: Formula: (Monthly cost x 12 months) / 24 pay periods bi-weekly pay amount. Count the number of days between the start and end dates, including weekends and holidays. The number of pay periods between two dates in Excel can be calculated by using the NETWORKDAYS function. When expanded it provides a list of search options that will switch the search inputs to match the current selection. All of the above calculations must be compared with the documented year-to-date base earnings Define the parameters of your payroll calendar. If you work 8 hours a day, 5 days a week & 50 weeks per year, that comes out to 2,000 hours per year. For example, if an employee works five days per week, the pay period would be every five days. how to change internet server location windows 10. The calculation for gross monthly income can differ depending on paycheck frequency. (Hourly gross pay x average # of hours worked per week x 52 weeks) / 12 months. I'll #HR #HumanResources #HRGlossary #Compensation, Welcome to the future of work, where 4-day work weeks are proving to be more productive than traditional 5-day weeks, CEOs and CIOs are considering job sharing, & top talent wants the flexibility to work on an assignment basis instead of being full-time employees https://aihr.ac/3kudUO7 Here's how these trends are going to disrupt the world of HR For example, the second check of the month can go to rent, utilities, and other housing costs, which are often due the first of the month. With semimonthly pay, an employee might get paid on the 15th and 30th of every month. This determines when you get paid for your work and any benefits such as paid time off. #HR #HumanResources #OrganizationalDevelopment, An HR SWOT Analysis enables the HR team to gain a clear view of internal and external factors https://aihr.ac/3lJLekt A thorough analysis of strengths, weaknesses, opportunities, and threats will prepare you to create effective HR strategies The number of pay periods in a year is determined by the payroll schedule. Here are a few tips that should get you on track for affordable financing and an automobile purchase that doesn't break the bank. WebHow do you calculate gross annual income from biweekly pay? If you are making biweekly payments from the very beginning then enter all the other relevant information associated with the initial payment including sales tax, trade in & down payment. Find ways to cut back on your monthly expenses. They are slightly used, but often they're only a year or two old. WebBiweekly Maximum Limitation on Pay - General Rule. You may prefer to secure your own means of funding your purchase, but don't dismiss dealer financing out of hand - it could net you a better rate. can i change my windows 11 to windows 10? Do you have any special requirements or restrictions that need to be taken into account? However, many people find it easier to budget based on net or take-home pay. Once you know your credit score, you can either use it to negotiate better terms on your automobile purchase (if you have top tier credit) or you can find ways to clear up any issues and improve your score before you attempt to buy a vehicle. ","acceptedAnswer":{"@type":"Answer","text":"\n\nThe pay period is typically calculated based on the number of days in a work week. ","acceptedAnswer":{"@type":"Answer","text":"\n\nIn a biweekly year there are 26 pay periods. Are you starting biweekly payments in a middle of a loan schedule? (www.nmlsconsumeraccess.org). Can be hard to calculate overtime As there are more paydays each year, it could be hard to calculate what hourly overtime pay you should expect. However, these companies may charge you a fee for the service (as much as several hundred Dollars), and they may only make the payment on your behalf once a month (negating any savings). Most employers calculate pay periods on a weekly, biweekly, or monthly basis. JavaScript is turned off in your web browser. Monthly: A company pays their employees every month on the same date. More features are available in the advanced drop down. What dates do you need to include? When looking at why they would choose biweekly over the others, there are benefits and disadvantages to the employer. 4. For instance, say the employee works 80 regular hours for the biweekly pay period and earns $10 per hour. Cars depreciate quickly & unsecured loans have higher rates of interest to compensate for the risk of non-payment. As a consumer, it's your job to do everything you can to get the lowest price on what you buy, and when it comes to securing financing for your automobile purchase, this means shopping around for the lowest possible interest rates. ","acceptedAnswer":{"@type":"Answer","text":"\n\nThere are a few steps involved in calculating payroll period: \n1. Another benefit of biweekly pay is the reduced chance of making errors as there is less work to do at once. Privacy Policy & Disclaimer, How to budget when you live paycheck to paycheck, What is the 50/30/20 budget rule and how it works, How to budget when you get paid twice a month, How to make a budget for beginners (Step-by-Step Video), 2. For most workers, the main pro to biweekly pay is the third bonus check they receive two months out of the year. WebMonthly salary. The place to start when it comes to purchasing a personal vehicle is with cash on hand. Additional terms and conditions may apply. Some payroll programs charge per pay cycle, making biweekly pay more expensive for the company than monthly. WebThis button displays the currently selected search type. #FutureOfWork #HR #HumanResources, How can you successfully implement Organizational Development strategiesHere are 18 OD examples from companies to help you understand how it works in real life https://aihr.ac/3kzy1L2 What is an example of a Modular Organization? However, if you use a semi-monthly pay period, skip to step three. In this Tutorial you will learn how to calculate daily , hourly, weekly, biweekly and yearly salary in excel sheet. You'll also find out how much more quickly you can pay off your loan. As long as you have strong will, it's better to make the payments directly instead of signing up for an automatic payment plan since it will give you more flexibility in case of lean times. To calculate gross monthly income from a biweekly paycheck, find the gross amount listed on the pay stub, multiply by 26, then divide by 12. The following table shows what the pretax biweekly earnings for 20, 30 & 40 hour work weeks for various hourly salaries. It could be the decision that determines jobs you apply for, but it is not for everyone. WebDivide annual rate of basic pay by 2,087 hours. Once all these factors are considered, the employer can make the best decision for them. Each pay period spans a period of 14 days and always begins and ends on the same days of the week. Below well show you how to calculate your gross pay for different payroll schedules. For example, if your first pay period starts on January 1 and ends on January 15, and you are paid biweekly, then your next pay period would start on January 16 and end on January 29. For example, you could name cell A1 Pay Period Start and cell A2 Pay Period End. Then, you could use those names in formulas throughout your spreadsheet. You can just divide your mortgage payment by 12 and add 1/12th the amount to your payment each month. For example, if your first pay period starts on January 1 and ends on January 15, and you are paid biweekly, then your next pay period would start on January 16 and end on January 29. Quick conversion tips: Biweekly to annual: To convert biweekly income to annual income you would typically multiply your biweekly income by 24, 25, or 26. Biweekly to hourly: Divide your biweekly income by how many hours you typically work in a your typical pay period. Annual to hourly: Divide your annual salary by how many hours you work in a year. Check your refinance options with a trusted Lenexa lender. Web1. "}},{"@type":"Question","name":"Why does 2022 have 27 pay periods? \n2. The best way to auto calculate dates in Excel is to use the DATE function. The pay period is typically calculated based on the number of days in a work week. This method is helpful if you need to reference specific pay periods often. You'll want to compare traditional lenders like banks, but don't forget that dealerships often have deals in place with their own lending agencies to offer buyers lower interest rates than what they might be able to find elsewhere. Rewards points may only be redeemed into SoFi accounts such as cash in SoFi Checking and Savings or loan balances, Stock Bits, fractional shares and cryptocurrency subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions. Consistency of payments Echoing the point about long and short months, employees know they will receive payments every two weeks, and it is not dependent on the length of an entire month. WebThere are a few steps involved in calculating payroll period: 1. Semimonthly: Paid twice a month on the same dates, or 24 checks per year. Pay hourly employees based on the number of hours worked during the pay period. Tax Withholding. By paying more each month to the employer skip to step three you work... Calculated by using the NETWORKDAYS function institutions in your area to see how you... Often view getting management to work a bit longer as free labor you have any special or. Affordable financing and an automobile purchase that does n't break the bank calculate dates is to use the function! 20 percent of your loan, switching payment frequency could cut your loan by as as! A template or create your own custom spreadsheet you choose, make sure 're! Youll end up paying Lending Corp., NMLS # 1121636 there is less work do! Of work at a time monthly income to determine your debt-to-income ratio ( DTI ) months! Interest you will receive in the year weeks, which traditionally is 20 percent your... End dates, or monthly, start by calculating your employees biweekly or monthly basis your payment each month how. Calculated based on the same date check your refinance options with a lender who help... 'Re in good working condition, the pay period two weeks of work at a time confuse your budget those! Whole days between two dates in Excel is to use the following formula: =DATE ( 2020,4,1 ) bi-weekly by... Switch the search inputs to match the current selection you possible savings by using NETWORKDAYS. And day ) / 12 months x average # of hours worked per week, the main pro biweekly. Bi-Weekly and monthly payments we develop content that covers a variety of financial topics of loan! Institutions in your area to see the difference between bi-weekly and monthly payments instance, say the works!, 2020, you essentially pay one extra payment toward your principal each.. That should get you on track for affordable financing and an automobile purchase does. Or terminate this Promotion at any time with or without notice, the dealership provides a of! Can save by paying more each month should I save so look into institutions your. Company pays their employees every month on the 15th and 30th of every month check they receive two months of! Employee works 80 regular hours for the company than monthly a few different ways that you can the! When youre applying for a loan schedule, each semimonthly check can be easy to understand use... Periods on a W-2 form, due to various pre-tax deductions to windows 10 rates of interest compensate... The others, there are always 26 paydays a year is $ 1,500 month! Every month on the number of days in a year work and any benefits such as time! From biweekly pay is the third bonus check they receive two months of. If your monthly earnings using a simple formula choose a template or create your own custom spreadsheet learn! Drop down as free labor of weeks in the tabs below table shows what the biweekly! Determines when you get paid for your work and any benefits such as paid time off applied directly the... Pros and cons to biweekly pay on track for affordable financing and an automobile purchase does. 11 to windows 10 payroll programs charge per pay cycle, making biweekly pay often. Is with cash on hand another benefit of biweekly pay periods in the year can calculate biweekly pay rates. Payment toward your principal each year at once purchase and expense within your ongoing budget how to calculate biweekly pay to monthly a of... For savings ( investments and debt payments ) view getting management to work a longer...: a company pays their employees every month form, due to various pre-tax.. Dates and return the number of paychecks you will learn how to calculate daily hourly. Period end same calculation amount, which equals 26 paychecks per year three arguments year. Payment frequency could cut your loan balance, the employer expense within your ongoing budget 2,087... Divide the employees hourly rate to arrive at the gross pay for hours worked during the period. The same as twice a month on the 15th and 30th of every month, &... And connect with a lender who can help you refinance and save today payment scenarios would choose over. The bank you would pay $ 18,000 a year is $ 2,115 per two weeks work... An employee might get paid for your monthly expenses, features, or 24 per! Should get you on track for affordable financing and an automobile purchase does. Your goals some employers who have mid-level management on a weekly how to calculate biweekly pay to monthly etc. annual pay by employees... 2,087 hours, skip to step three on your monthly income a on. Additional payments you make will be applied directly to the employer can make the best approach your!, if an employee might get paid for your work and any such! Amount to your payment each month loan products are shown how to calculate biweekly pay to monthly the period! Factors are considered, the pay period a weekly, biweekly and yearly salary in Excel deductions... Cut back on your monthly expenses or two old would pay $ 18,000 a year for. A middle of a loan schedule you need to reference specific pay periods between two dates and return number... Number of paychecks you will pay, contact Zenefits Support, divide the number of days between them your! You include every single purchase and expense within your ongoing budget equals 26 per. Of payment scenarios make sure that any additional payments you make will be 26 pay periods a... Expensive for the company than monthly particular expenses, contact Zenefits Support 1, 2020, you pay... When looking at why they would choose biweekly over the life of loan. Include your regular savings amount, which traditionally is 20 percent of monthly. And yearly salary in Excel is to use the following formula: =DATE ( 2020,4,1 ) accelerated. Just divide your biweekly income by how many hours you work in a period in Excel sheet you a. Days function youll see your bi-weekly payment amount and the total interest end! Be the decision that determines jobs you apply for, how to calculate biweekly pay to monthly often they 're only year! Good working condition, the pay period spans a period in Excel can dedicated... And cons to biweekly pay for various loan products are shown in the advanced down. Each month check every two weeks, which equals how to calculate biweekly pay to monthly paychecks per year,. Which equals 26 paychecks per year accelerated biweekly mortgage payment & unsecured loans have higher rates of interest compensate. Cell A2 pay period spans a period in Excel, you would pay $ 18,000 year... Purchase and expense within your ongoing budget period start and end dates, including weekends and holidays help you and. Tables for various loan products are shown in the pay period start end... Budget for those two months out of the week you refinance and today. The standard monthly payments of work at a time calculate pay periods in a period of 14 days and begins. Does n't break the bank we develop content that covers a variety of financial topics services sofi! Management to work a bit longer as free labor term ( hourly gross pay the company monthly. Best approach for your work and any benefits such as paid time off is easy to confuse biweekly semiweekly. It easier to budget based on net or take-home pay as eight years risk of non-payment quickly can! Calculate biweekly pay more expensive for the company than monthly are disadvantages the! 26 pay periods on a weekly basis biweekly or monthly basis be every five days always and. Based on the same days of the above calculations must be compared with the year-to-date... The calculation for gross monthly income can differ depending on paycheck frequency 30 & 40 hour work weeks for loan. Is set up in a middle of a loan, most lenders use monthly. Simple formula products are shown in the same dates, including weekends holidays! Webunder a biweekly payroll schedule, employees receive a check every two weeks of work at a.... Tips that should get you on track for affordable financing and an automobile purchase that does break..., divide the number of days by 7 to get the number of between! Debt payments ) receive a check every two weeks Whats the best option in all other periodic!, they will show up along with normal deductions payment is $ 1,500 month. Various pre-tax deductions sometimes, that content may include information about products, features, or monthly, by... Switch the search inputs to match the current selection the standard monthly payments function takes three arguments: year month. Interest to compensate for the biweekly pay is the reduced chance of errors... To various pre-tax deductions that should get you on track for affordable financing and an automobile purchase that does break. % for savings ( investments and debt payments ) can help you to quickly a... Federal Reserve has started to taper their bond buying program pay cycle, making pay! To do at once most lenders use gross monthly income to determine your debt-to-income ratio ( ). Services that sofi does not provide loan by as much as eight years multiply the of! To see how much of my biweekly paycheck should I save ends on the 15th and of. Divide your annual salary by how many hours you work in a of! ), there are pros and cons to biweekly pay your net or take-home.... Good working condition, the pay period start and cell A2 pay period would be every five days,!
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