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Adding your Payactiv Visa Card to your Digital Wallet. Number of Views 2.23K. Where You Cannot Use Your Payactiv Visa Card. Number of Views 1.73K. How to Get Your Payactiv Visa Prepaid Card. ... * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, …. Build a city game

PayActiv is an earned-wage access app that over two million employees use to get paid sooner. Over 15,000 businesses use PayActiv to give employees another reason to stick around. For good reasons, some top companies that use PayActiv include Alorica, Uber, Subway, Hilton, and Perdue.Anyone can download the free Payactiv app and use it to... - Get smart budgeting insights. - Save on Rx prescriptions. - Compare car insurance rates to find the cheapest one. - ...and more! Similarly, anyone over 18 in the United States can apply for the Payactiv Visa® Card* and take advantage of perks like 10 cents off per gallon at Murphy USA gas stations, …The mobile wallet will also feature a host of other resources, including financial wellness tools. Paycor has partnered with Payactiv, an earned wage access and financial wellness platform, to launch the mobile wallet. The new features will be available to all customers beginning in September. “We’re thrilled to partner with Paycor in ...The mobile wallet will also feature a host of other resources including financial wellness tools. Paycor has partnered with Payactiv, a leading earned wage access and …May 9, 2022 · We are honored to announce Payactiv’s Silver Stevie ® Award win for our “All-in-One Digital Wallet and Livelihood Platform” in the FinTech Solution category. The award will be celebrated during an awards banquet on Monday, June 13 at the Marriott Marquis Hotel in New York. Whether you’re looking to reduce your impact on the environment, or just the impact on your wallet, light timers are an effective way to control energy consumption. Knowing how to ...Your earnings, spending and savings with you in control. Join over 2+ Million people and put yourself ahead. Join today. Log in or Log in with single sign-on.A great advantage of the payroll card system is that it boosts an employees financial wellness. A card program like Payactiv offers financial planning tools that help employees budget and save. Financially secure employees are happier employees. They are more productive and will call out less. A payroll card provides the tools they need to …Adding your Payactiv Visa Card to your Digital Wallet. Who can use Payactiv products and services? Where You Cannot Use Your Payactiv Visa Card. View All (20+) All Topics. …Who can use Payactiv products and services? Products. Card. Who can use Payactiv products and services? Anyone can download the free Payactiv app and use it to... - Get …May 10, 2023 · Earned-wage access solutions help employers just as much as it helps employees. PayActiv has been a top choice in the earned-wage access industry since Safwan Shah, Sohail Aslam, and Ijaz Anwar founded the company in 2012. The San Jose, California, based company employs over 200 people. Raise Your Credit 80 Points. The Payactiv® Visa Card* works outside of the U.S., but you may have to pay international transaction fees when you transact. Please see your cardholder agreement for a list of prohibited countries.The mobile wallet will also feature a host of other resources including financial wellness tools. Paycor has partnered with Payactiv, a leading earned wage access and …OnShift® Wallet powered by Payactiv gives employees financial peace of mind with access to earned wages – between paychecks – to better manage expenses. Employees have fee-free access to a portion of their earnings before payday. Provide access to free, confidential 1-on-1 financial counseling, a library of money management resources, and ... Our mission is to help more people have access to the best financial services at the best possible price—zero. Enhance your workplace with Earned Wage Access solutions. Protect your team from predatory debt, offering on-demand access to their hard-earned wages. Crypto wallets are your key to the cryptocurrency market. These wallets are what store the public and private keys you need to buy, sell, manage and exchange cryptocurrency across ...Get paid on your schedule. Schedule when and how much you want to get paid and we’ll automatically transfer your earned wages to your Payactiv Visa ® Card*. Access up to 90% of your net earnings. $0 real-time EWA transfers. Get paid every day or any day of the week. Peace of mind you need and deserve.PayActiv : Accounts ... Español. LoginLogin. Enter your credentials to login to the portal. Username/Mobile NumberDeleting Your Payactiv Account. You can delete your Payactiv account by calling Payactiv Customer Success at 1-877-937-6966. To confirm your identity, provide your mobile number, full name, employee ID, date of birth, and the last transaction date and amount (if applied). Once confirmed, your account will be immediately deleted.Payactiv is a popular paycheck advance app offering an inexpensive alternative to payday loans — and even some cash advance apps. You can receive an advance as high as 50% of the wages you’ve already earned — sometimes at no cost. It’s also one of the few cash advance apps I’ve reviewed that offers cash advances.OnShift Wallet, powered by Payactiv, now offers employees no-cost access to earned wages before payday and new financial wellness tools Cleveland, OH – October 5, 2022 – OnShift, a leader in human …There are five ways to load the Payactiv® Visa Card*. Set up direct paycheck deposit. Access your earned wages for free or low-cost (only offered with partnered employers). Manually transfer funds from another bank account. Load cash funds onto the card with a Moneypass ATM. Load paper checks with Ingo Money.Count on UKG Wallet™ being there for you to give you access to your earned wages before payday. Pay bills, stay ahead of fees, and handle the unexpected — with the greatest of digital ease. Powered by Payactiv, Wallet gives you the foundation to keep your finances on track and the tools you need to stay financially fit on your life-work ...2021 Digital Wallet Impact Innovation Award. Presented by Aite-Novarica Group at the Mobile Payments Conference, August 18, 2021. The Payactiv Livelihood app, our response to the pressing needs of millions of Americans, was the winner for Product Design and the overall Digital Wallet Grand Prize winner.Payactiv Livelihood Platform was named the Best Innovative or Emerging Tech Solution at 2022 HR Tech Awards in the Total Rewards and Employee Wellbeing category. For You; ... These services are offered through the Payactiv mobile app which is an all-in-one digital wallet, including free saving and budgeting tools, financial coaching, …Adding your Payactiv Visa Card to your Digital Wallet; Who can use Payactiv products and services? Where You Cannot Use Your Payactiv Visa Card; View All (20+) No topics yet. Loading. ... * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and ...Create a Workplace of Belonging with EWA Blog | October 13, 2023 | 3 Minutes Read Intro With more companies incorporating Belonging, Equity, and Impact (BE&I) initiatives in their work environments, employees across America feel more comfortable in their jobs, which […]If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 877-747-5862, 24 hours a day, 7 days a week. The UKG Wallet™ solution is a new way to pay that helps better your people’s lives. Go beyond on-demand pay by giving your people better access to their earned wages and providing ... It might be because we're missing your time & attendance data. You can upload your T&A in the app. Learn How 👉. Add an Employer to Your Payactiv Account. Wages Not Showing After Working: How To Troubleshoot. How to Access your Earned Wages. How to Transfer Your Earned Wages. How to add money to your Payactiv Visa Prepaid Card. Send, receive and manage it all with ease. See all your finances in one place, pay bills, pay friends, get exclusive discounts, even pick up shifts. Your earnings, spending and …First, download the Payactiv app and create a Payactiv account. Then open the card dashboard and fill out an application! You'll need your name, phone number, a physical mailing address (not a p.o. box), and social security number. You can choose between blue, white, or pink as card color options. Because it's not a credit card, no credit ...UKG’s powerful digital wallet, loaded with financial wellness resources, allows employees to gain momentum on their financial journey. UKG Wallet gives employees access to earned but unpaid wages ahead of regularly scheduled paydays and access to tools to track expenses, create budgets, and set financial goals. ... ©2024 UKG Wallet, powered ...The Payactiv Card can be used to make online purchases and can even be added to your digital wallet. How to Set Up Direct Deposit to the Payactiv Card. With Payactiv, we make setting up direct deposit simple. ... Payactiv will not be liable for any losses, injuries, or damages from the display or use of this information.1 Many (but not all ...The mobile wallet will also feature a host of other resources including financial wellness tools. Paycor has partnered with Payactiv, a leading earned wage access and financial wellness platform, to launch Paycor Wallet. The new features will be available to all customers beginning in September.Good Cents Podcast Ep. 23: Navigating Student Loans | Payactiv. Join Robert Fattington, from The College Investor, and Erin Rosenberg for an in-depth conversation about student loans, qualifying for loan forgiveness, and optimizing your repayment and refinancing strategies. Learn about the ins and outs of loan qualification, repayment plans ...Payactiv is also the winner of the “Best Innovative or Emerging Tech Solution” at the 2022 HR Tech Awards, a Silver Stevie® Award for our “All-in-One Digital Wallet and Livelihood Platform”, and “Best Wellness Program” award at the California Excellence HR Awards. Learn more at www.payactiv.com. Follow us on Twitter & LinkedIn.Hence, our vision is simple— bring financial security, dignity, and savings to the millions experiencing financial stress. We believe that building a financial technology business requires more than great technology and amazing design. It requires a profitable yet socially-responsible business model and a deep commitment to improving the ...Nov 16, 2021 · The UKG Wallet mobile app — available from the Apple App Store or Google Play once an organization is enrolled — also provides access to financial counseling resources, budgeting and savings tools, and digital bill-pay options. UKG Wallet is powered by Payactiv, a leading employer-sponsored earned wage access and financial wellness platform. PayActiv is an earned-wage access app that over two million employees use to get paid sooner. Over 15,000 businesses use PayActiv to give employees another reason to stick around. For good reasons, some top companies that use PayActiv include Alorica, Uber, Subway, Hilton, and Perdue.At PayActiv, we understand: It’s more than a paycheck. It’s peace of mind! Sign up for PayActiv and begin enjoying the benefits for this employer-endorsed plan today.One of the many enticing elements of cryptocurrency is its highly futuristic nature — it’s a form of money that exists primarily in a digital landscape and seems like a concept tha...Current OnShift Wallet admins and users can call 1-855-210-9410 for support with any questions. If you are an employer or administrator of OnShift Wallet with questions about reporting, email [email protected]. If you have questions related to troubleshooting or managing your OnShift Wallet application, email [email protected] today’s digital age, mobile wallets have become increasingly popular as a convenient and secure way to make payments. One such mobile wallet that has gained significant traction...Moreover, staying updated with the latest version of the Dayforce Wallet and Payactiv apps can also help in resolving technical glitches that may be causing login problems. Regularly checking for app updates on your device's app store and installing them can improve the compatibility and performance of the applications, ensuring a …It might be because we're missing your time & attendance data. You can upload your T&A in the app. Learn How 👉. Add an Employer to Your Payactiv Account. Wages Not Showing After Working: How To Troubleshoot. How to Access your Earned Wages. How to Transfer Your Earned Wages. How to add money to your Payactiv Visa Prepaid Card.OnShift® Wallet powered by Payactiv gives employees financial peace of mind with access to earned wages – between paychecks – to better manage expenses. Employees have fee-free access to a portion of their earnings before payday. Provide access to free, confidential 1-on-1 financial counseling, a library of money management resources, and ...Step 4: Stick to Your Plan & Save. The next step is to find practical ways to redirect a portion of your money into savings so you can advance toward achieving your financial goals. One way to do this is to reduce your variable expenses, for example, by walking or cycling to work instead of taking the bus or train. PayActiv : Accounts Count on UKG Wallet™ being there for you to give you access to your earned wages before payday. Pay bills, stay ahead of fees, and handle the unexpected — with the greatest of digital ease. Powered by Payactiv, Wallet gives you the foundation to keep your finances on track and the tools you need to stay financially fit on your life-work ...Adding your Payactiv Visa Card to your Digital Wallet. Number of Views 2.23K. Where You Cannot Use Your Payactiv Visa Card. Number of Views 1.73K. Trending Articles. ... * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are ...a) Debes estar inscrito en la aplicación Payactiv o UKG Wallet en el momento del sorteo. b) Vincula una cuenta bancaria, tarjeta de débito o Tarjeta Visa Payactiv*, Tarjeta Visa UKG* a tu aplicación Payactiv o UKG Wallet. Límite de una (1) entrada por persona/dirección de correo electrónico, independientemente del método de participación.Anyone can download the free Payactiv app and use it to... - Get smart budgeting insights. - Save on Rx prescriptions. - Compare car insurance rates to find the cheapest one. - ...and more! Similarly, anyone over 18 in the United States can apply for the Payactiv Visa® Card* and take advantage of perks like 10 cents off per gallon at Murphy USA gas stations, …Create a Workplace of Belonging with EWA Blog | October 13, 2023 | 3 Minutes Read Intro With more companies incorporating Belonging, Equity, and Impact (BE&I) initiatives in their work environments, employees across America feel more comfortable in their jobs, which […]PayActiv Overview PayActiv is the first Early Wage Access program approved by the Consumer Financial Protection Bureau. As such, it permits employees to access up to 50% of their paycheck prior to payday. PayActiv is not a credit card or a payday loan company. There are no fees or interest charges associated with your payday …Payactiv at a glance. Payactiv offers a best-in-class employee financial wellness and engagement platform that helps address immediate livelihood needs as well as improve long-term financial stability and growth. Employers can offer Payactiv financial services at no cost. Works for businesses of any size, in any industry.Aug 18, 2021 · Payactiv won Aite-Novarica Group’s 2021 Digital Wallet Impact Innovation Award for Product Design. The award will be delivered August 18, 2021 during the 2021 Mobile Payment Conference. Payactiv is a one-stop solution to save, spend, plan, and budget. Instead of having to use multiple apps – which can be expensive and clunky – Payactiv ... Whether you’ve long invested in cryptocurrency or have recently opened your first crypto wallet, you’ve likely stumbled across the term “decentralized finance” while researching th...Payactiv, Inc, a certified B Corp and the leader in Earned Wage Access , has won the grand prize for innovation at the 2021 Digital Wallet Facebook Twitter Linkedin Global Fintech Series: Top Fintech News, Insights and AnalysisAt PayActiv, we understand: It’s more than a paycheck. It’s peace of mind! Sign up for PayActiv and begin enjoying the benefits for this employer-endorsed plan today.First, download the Payactiv app and create a Payactiv account. Then open the card dashboard and fill out an application! You'll need your name, phone number, a physical mailing address (not a p.o. box), and social security number. You can choose between blue, white, or pink as card color options. Because it's not a credit card, no credit ...Send, receive and manage it all with ease. See all your finances in one place, pay bills, pay friends, get exclusive discounts, even pick up shifts. Your earnings, spending and …Login. Enter your credentials to login to the portal. Username/Mobile NumberAdding your Payactiv Visa Card to your Digital Wallet. Number of Views 2.32K. How to add money to your Payactiv Visa Prepaid Card. Number of Views 4.98K. ... * The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with ...Call Customer Success at 1-877-747-5862 so we can block your card if needed, transfer funds, start the investigation process, and send you a brand new card. Please note: You must notify us immediately at 1-877-747-5862 of any unauthorized use. Requests over the weekend will be processed the next business day, and funds will be deposited by 6 pm ...June 30, 2019. The Ontology of Unpaid Earnings. Payactiv is a particularly interesting innovation. Marketing itself as a “financial wellness solution,” it plugs into employers’ time-and-attendance systems and allows employees to withdraw up to $500 of their earnings before payday, for a fee of $5 per pay period.About Payactiv. Anyone over 18 can sign up for the Payactiv digital wallet. Pay bills on time, set money aside automatically, and get intelligent insights into your spending. We …You can delete your Payactiv account by calling Payactiv Customer Success at 1-877-937-6966. To confirm your identity, provide your mobile number, full name, employee ID, date of birth, and the last transaction date and amount (if applied). ... Adding your Payactiv Visa Card to your Digital Wallet. Number of Views 2.31K. Where You Cannot Use ...OnShift Wallet, powered by Payactiv, helps ease the stress of living paycheck to paycheck for many senior care employees. With instant access to earned wages, employees can …SAN JOSE, Calif., Aug. 25, 2021 /PRNewswire/ -- Payactiv, Inc, a certified B Corp and the leader in Earned Wage Access ( EWA ), has won the grand prize for innovation at the 2021 Digital Wallet ...In today’s fast-paced digital world, convenience and efficiency are key. One of the ways technology has revolutionized our lives is through the introduction of digital wallets. Con... Deleting Your Payactiv Account. You can delete your Payactiv account by calling Payactiv Customer Success at 1-877-937-6966. To confirm your identity, provide your mobile number, full name, employee ID, date of birth, and the last transaction date and amount (if applied). Once confirmed, your account will be immediately deleted. UKG Wallet™, powered by Payactiv, is the innovator of Earned Wage Access and a leader in financial wellness. Our UKG Wallet™ Platform offers on-demand pay, payroll cards, off-cycle pay, cashless tips, and access on live financial counseling.The mobile wallet will also feature a host of other resources including financial wellness tools. Paycor has partnered with Payactiv, a leading earned wage access and financial wellness platform, to launch Paycor Wallet. The new features will be available to all customers beginning in September.1The Payactiv Visa® Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from/by Visa U.S.A., Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. ... Dayforce Wallet: On-demand Pay. Dayforce. 4.6 star. Advancly. Advancly. 3.1 star. Lenme: …Who can use Payactiv products and services? Products. Card. Who can use Payactiv products and services? Anyone can download the free Payactiv app and use it to... - Get …Payactiv offers a suite of financial services that include savings and budgeting tools, bill payment and financial-health measurement. Payactiv is the winner of the Innovative Payments Association’s Consumer Champion Award, a Finovate winner and finalist, and the recipient of numerous best-in-class awards in both FinTech & HRTech.In today’s digital age, our smartphones have become an essential part of our daily lives. From communication to entertainment, we rely on these pocket-sized devices for countless t...The Payactiv® Visa Card* works outside of the U.S., but you may have to pay international transaction fees when you transact. Please see your cardholder agreement for a list of prohibited countries.Payactiv. 400 N McCarthy Blvd., Suite 200, Milpitas, CA 95035. Sales: + (877) 910-8400. Looking to offer Payactiv financial services to your employees? talk to a Payactiv specialist today. Our mission is to help more people have access to the best financial services at the best possible price—zero. Enhance your workplace with Earned Wage Access solutions. Protect your team from predatory debt, offering on-demand access to their hard-earned wages. UKG. Let's get started with your mobile number. We'll use it to protect your account with two-factor authentication. We'll send a code to verify your mobile number. Mobile number. You can text HELP to 21083 to get instructions on how to use our messaging service and reply STOP to 21083 to OPT OUT of future messages from this number.The Payactiv® Visa Card* works outside of the U.S., but you may have to pay international transaction fees when you transact. Please see your cardholder agreement for a list of prohibited countries. Live the life you earned. Access your money when you need it, spend and save with confidence, manage bills, and more. 7. Dayforce Wallet Rewards is optional, and you may opt-out at any time in the Dayforce Wallet app or by calling 1-800-342-9167. Offers are based on your shopping habits. Cash back is earned by using your Dayforce Wallet Card for qualifying purchases and is credited to your card. Rewards credit may take up to 90 days.Count on UKG Wallet™ being there for you to give you access to your earned wages before payday. Pay bills, stay ahead of fees, and handle the unexpected — with the greatest of digital ease. Powered by Payactiv, Wallet gives you the foundation to keep your finances on track and the tools you need to stay financially fit on your life-work ...How can we help you? Close Start Chat Start ChatThe mobile wallet will also feature a host of other resources including financial wellness tools. Paycor has partnered with Payactiv, a leading earned wage access and financial wellness platform, to launch Paycor Wallet. The new features will be available to all customers beginning in September.In today’s digital age, managing your finances has never been easier. Gone are the days of carrying around bulky wallets filled with cash and countless loyalty cards. With the rise...OnShift. Live the life you. earned. Access your money when you need it, spend and save with confidence, manage bills, and more. Access your money. when you need it. Get …Powered by Payactiv, UKG Wallet is designed to help organizations bring earned wage access to their people through a simple integration and at no-cost to employers. Watch the tour to learn how UKG Wallet is built to make pay accessible to people when they need it most. 1 Payday Pressure: Looking to Flexible Salary Solutions, Ernst & Young ...

Your earnings, spending and savings with you in control. Join over 2+ Million people and put yourself ahead. Join today. Log in or Log in with single sign-on. . Rick and.morty streaming

payactiv wallet

At PayActiv, we understand: It’s more than a paycheck. It’s peace of mind! Live the life you earned. Access your money when you need it, spend and save with confidence, manage bills, and more. Payactiv revolutionized how lower-income workers get paid when it invented Earned Wage Access (EWA) in 2012. Our thesis is simple: By giving people access to their hard-earned income when they need it, EWA unlocks liquidity to pay for life’s essentials like food, shelter, gas and more. ... Most Innovative Digital Wallet and the B Corp’s ...UKG Wallet. powered by payactiv. Need help? × How can we help you?Jun 8, 2021 · Empowering Your Employees' Financial Wellness. Payactiv, a Public Benefit Corporation and Certified B-Corp, provides on-demand access to earned but unpaid wages. Businesses that partner with Payactiv to offer financial wellness services to their workforce see significant cost reductions through increased recruitment, engagement, and retention. First, download the Payactiv app and create a Payactiv account. Then open the card dashboard and fill out an application! You'll need your name, phone number, a physical mailing address (not a p.o. box), and social security number. You can choose between blue, white, or pink as card color options. Because it's not a credit card, no credit ... To set it up, open your device’s wallet settings, and add a new card. Use the card number shown in the Payactiv app to add your Payactiv Card to your digital wallet. You can now tap your phone to pay with your digital Payactiv Card. It even works before your physical card comes in the mail! Card. Number of Views639. Number of Views558. UKG’s powerful digital wallet, loaded with financial wellness resources, allows employees to gain momentum on their financial journey. UKG Wallet gives employees access to earned but unpaid wages ahead of regularly scheduled paydays and access to tools to track expenses, create budgets, and set financial goals. ... ©2024 UKG Wallet, powered ...We are honored to announce Payactiv’s Silver Stevie ® Award win for our “All-in-One Digital Wallet and Livelihood Platform” in the FinTech Solution category. The award will be celebrated during an awards banquet on Monday, June 13 at the Marriott Marquis Hotel in New York. 1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. Paycor Wallet & OnDemand Pay. Pay Employees Faster with the Paycor Mobile Wallet. According to Nucleus Research, 70% of workers would prefer to work for an employer with earned wage access. Increase your chances of retaining employees with key benefits like earned wage access, flexible pay options, and financial wellness resources.Oct 5, 2022 · OnShift Wallet, powered by Payactiv, now offers employees no-cost access to earned wages before payday and new financial wellness tools. October 05, 2022 09:35 AM Eastern Daylight Time. To set it up, open your device’s wallet settings, and add a new card. Use the card number shown in the Payactiv app to add your Payactiv Card to your digital wallet. You can now tap your phone to pay with your digital Payactiv Card. It even works before your physical card comes in the mail! Card. Number of Views639. Number of Views558. Deleting Your Payactiv Account. You can delete your Payactiv account by calling Payactiv Customer Success at 1-877-937-6966. To confirm your identity, provide your mobile number, full name, employee ID, date of birth, and the last transaction date and amount (if applied). Once confirmed, your account will be immediately deleted.If we understand your post correctly, you're trying to add your debit card to Wallet. We’d like to help. We see you were viewing "Use Express Mode with cards, passes, and keys in Apple Wallet" and it did not resolve your issue. Follow the steps in this article: If you can't add cards to Wallet to use with Apple Pay.Step 4: Stick to Your Plan & Save. The next step is to find practical ways to redirect a portion of your money into savings so you can advance toward achieving your financial goals. One way to do this is to reduce your variable expenses, for example, by walking or cycling to work instead of taking the bus or train.1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the …Whether you’re looking to reduce your impact on the environment, or just the impact on your wallet, light timers are an effective way to control energy consumption. Knowing how to ....

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