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Effective January 1, 2022, access the L3Harris Benefits Service Center for any pension requests or questions online at https://Benefits. 21 hours ago · L3Harris Technologies is a Trusted Disruptor for the global aerospace and defense industry. For support and technical questions, please contact Symphony Support via email, chat, or phone: 877-448-2647. There are at least two cities in all 50 states, often with one or more service centers in eac. PO Box 5225. 2022 L3Harris Technologies, Inc. Never provide your ID, password or other information as the result of an email request. Learn more. LHX, +0. The company provides advanced defense and commercial technologies across air, land, sea, space and. The role of Sales & BD Manager requires the following experience and skills: Demonstrable experience in the defence and security industry developing business winning campaigns and effective capture plans to close complex prospects in the defence and security domain. Portfolio consists of numerous classified and. These numbers include all employees whose retirement was processed as of September 30. 5 billion retirement . What is the Download & License Center (D&LC)? The Download & License Center is a web interface that allows license administrators (and authorized license administrators) to manage their licenses and to download the software. com: Health & Retirement Benefits: 1-800-225-4343 Option 1 Table of Contentsshow L3Harris Technologies Inc Employee Benefits L3Harris Technologies Inc Employee Benefits Login / Register / Enrollment Login / Register / Enrollment. 85 Wednesday, on what proved to be an all-around positive trading session for the stock market, with the S&P 500 Index. Also report on that line permissible withdrawals from eligible automatic contribution arrangements and corrective distributions of excess deferrals, excess contributions, or excess. No one is fairly compensated. LHX, +0. com, use the same username and password. Over the course of the last year the IRS segment rates have increased by 2. Melania Trump's Reported Nickname from Secret Service Says A Lot About Her Time at the White House Julia Teti 10/4/2021 US takes emergency action to save sequoias from wildfires. Job ID: IMS20222106-84664. L3Harris Technologies (NYSE: LHX) announced today being named one of FORTUNE’s World’s Most Admired Companies for 2023. LMESC: 866-562-2363. Health insurance plans are high deductible and expensive. Email: harrishealth@cigna. These ITT retirees learned in November that their life. Fiscal Year. 77% slipped 1. 05 billion, subject to customary adjustments (the "Acquisition"). closed $67. L3Harris Technologies Inc. For additional questions, please contact the Human Resources Benefits Department at 713-566-6451, or benefitsdepartment@harrishealth. 3 ★ 52 Ratings. LHX, +0. Business and Operations L3Harris employees are passionate about our customers and their mission, supporting national security, civil service, transportation safety and more. 34 Full-time, Part-time Winter Beach, FL 32971 Urgently Hiring Apply Now L3Harris Technologies Network Planning / Engineer Architect Free Space Optical (FSO) Full-time, Part-time Wabasso, FL 32970 Apply Now. com or by calling 1. L3Harris Technologies, Inc. "The industry has probably seen the retirement bubble accelerate by around. The buyer, based in Fort Worth, Texas, is the U. In January 2018, Harris Health adopted new post-retirement health benefits for staff and retirees. UNAUTHORIZED ACCESS TO THIS DEVICE IS PROHIBITED - You must have explicit permission to access or configure this L3Harris device. Field proven, with extensive deployment, WESCAM MX-Series designating systems offer “plug-and-play” installation, as well as high-sensitivity multi-spectral sensors for day, low-light and night-time missions. New Grads and Interns L3Harris, we put you in the driver’s seat of your career. 3 billion in total pension plan assets as of Dec. com or by calling 1. mental health. User ID. " on your tax return. L3Harris is dedicated to recruiting and developing diverse, high-performing talent who are passionate about what they do. Portfolio consists of numerous classified and. 48% inched 0. Join to connect L3Harris Technologies. Dec 12, 2021. The annual distributions you receive are calculated by multiplying. Jan 27, 2023 · L3Harris’s acquisition of Aerojet defines anticompetitive enhanced market power and would adversely affect customers, including reduced product quality, reduced product variety, reduced. Craig Poling Network Operations Center Manager at L3Harris, Communication Systems - West Colorado Springs, Colorado, United States 500+ connections. *Required Fields. /DE/ income statements for executive base pay and bonus are filed yearly with the SEC in the edgar filing system. The average salary for Human Resources Service Center Representative I at companies like L3HARRIS TECHNOLOGIES, INC. 37% to $214. (Nasdaq: ESLT). The stock demonstrated a mixed performance when compared to some of its. Savings Plan Information Line: 800-444-4015. /DE/ income statements for executive base pay and bonus are filed yearly with the SEC in the edgar filing system. CF-18 Hornet fighter aircraft fleet until its retirement that is currently estimated to occur in 2032. Defined Contribution services focus on optimizing fund line-up to retirement outcomes. Also report on that line permissible withdrawals from eligible automatic contribution arrangements and corrective distributions of excess deferrals, excess contributions, or excess. Defense contractor L3Harris Technologies Inc. Since 2019, the FTC has been probing. Log In My Account fb. WESCAM Service Center Coordinator. NEED HELP?. urgent care. 21 hours ago · L3Harris Technologies (NYSE: LHX) announced today being named one of FORTUNE’s World’s Most Admired Companies for 2023. That’s why we offer 24/7/365 support from our Lynchburg, Virginia offices. L3Harris Technologies. com Phone: 800-368-3277 Address: 221 JEFFERSON RIDGE PKWY, LYNCHBURG, VA 24501 Contract Administrator. Learn about L3Harris Retirement Plan, including a description from the employer, and comments and ratings provided anonymously by current and former L3Harris employees. NASA Boulevard. Phone number*. At L3Harris, we put you in the driver’s seat of your career. The FACE framework is supported by over 90 international government and industry member organizations. L3Harris Technologies is a Trusted Disruptor for the global aerospace and defense industry. 37% to $214. For decades, Northern Trust has helped pension funds manage risk, achieve investment objectives and optimize portfolio efficiency. LHX, +0. (Reston, Va. attorneys, on behalf of the L3Harris Retirement Savings Plan (the “Plan”),1. L3harris retirement service center minimum retirement age, report your disability payments on the line for "Wages, salaries, tips, etc. COG Service Online (DCC Users). The L3Harris deal came in at $700 million, making each satellite and related service package worth roughly $50 million. LHX, +0. Whether your L3Harris system equipment supports first. 5 billion but operating margin improved the most, up 25% compared to 22. User ID. For decades, Northern Trust has helped pension funds manage risk, achieve investment objectives and optimize portfolio efficiency. Log In My Account fb. Our Outsourced CIO practice has extensive experience in working with plan sponsors of corporate retirement plans, acting as discretionary manager for Defined Benefit pension plans, and Defined Contribution 401 (k) plans. Scientist (Current Employee) - Palm Bay, FL - May 27, 2022. That seems to be the case for roughly 6,000 retired salaried employees of former ITT companies, including ITT Night Vision in Roanoke County. , purchased a group annuity contract from an insurance company to transfer $169 million in pension plan assets. Job Title Supervisor, Supply Support; Location. 58 a share with combined revenue up 10% to $4. Let's confirm some basic information about your account. 1 day ago · Below is Validea's daily guru fundamental report for L3HARRIS TECHNOLOGIES INC (LHX). L3Harris offerings are used in a wide variety of industries, including the energy, utilities, automotive, technology and healthcare industries. A change this big could account for about a 20% decrease in L3Harris lump-sum values. “I join the entire L3Harris team in thanking him for his service and wishing him all the best in his upcoming retirement. Never provide your ID, password or other information as the result of an email request. Aug 5, 2021 · class=" fc-falcon">L3Harris office building in Rochester, N. The FTC, in allowing Northrop Grumman’s $7. 8 billion acquisition of Orbital ATK, sought to address anticompetition concerns by requiring behavioral remedies. The award was announced prior to the merger that formed L3Harris. It may not be complete. Explore and discover how your work can leave a global impact. Retirees who were enrolled in a L3Harris Cigna plan as of 12/31/14 are eligible to use L3HFMC, but should check with their current insurance carrier to determine whether L3HFMC is in-network or out-of-network. Fidelity Investments. L3Harris Technologies is a leading provider of flight data analysis services, improving aviation safety by connecting the best analysis service to Shared by Karen Hill. The company scored favorably in the categories of innovation, social. Learn more about our Software FX and SUMS Programs. 1 day ago · Below is Validea's daily guru fundamental report for L3HARRIS TECHNOLOGIES INC (LHX). Job ID: IMS20222106-84664. Since 2019, the FTC has been probing. 8 billion acquisition of Orbital ATK, sought to address anticompetition concerns by requiring behavioral remedies. L3harris retirement service center minimum retirement age, report your disability payments on the line for "Wages, salaries, tips, etc. , McLean, Va. L3Harris 401K Plan 94 employees reported this benefit 3. Location: Portchester, United Kingdom. A change this big could account for about a 20% decrease in L3Harris lump-sum values. The merged company's largest single defined benefit plan, the Harris Corp. A 403 (b) plan, also known as a tax-sheltered annuity (TSA) plan or tax deferred annuity (TDA), is a retirement plan for employees of certain tax-exempt organizations, employees of public schools, and certain ministers. We are committed to keeping your mission-critical equipment online and performing like the day it was first put into service. 26 per share. It may not be complete. New Grads and Interns. New Grads and Interns L3Harris, we put you in the driver’s seat of your career. A QDRO may be used: to establish marital property rights to a spouse or former spouse, to pay alimony to a spouse or former spouse, or to recover past-due child support. Retiree Resources. fw Back. retireMent savings PrograM automatic company contributions Annuity based on average pay and years of service Pay as of January 1, 2016, service accrual continues Pay as of January 1, 2016, service as of January 1, 2020 up to 4% up to 4% up to 4% 2% 6% For more information, go to. Harris Health Retiree Resources Retiree Resources Changes To Post-Retirement Health Plan Benefits In January 2018, Harris Health adopted new post-retirement health benefits for staff and retirees. Continue Shopping. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street: Smithfield, RI 02917. com or via telephone at (888) 935-9595. L3Harris Family Medical Center is located at: The Oaks Plaza. Business Profile Harris Retiree Service Center Insurance Services Office Contact Information PO Box 5225 Cherry Hill, NJ 08034-5225 (866) 488-4889 Customer Complaints 1 complaints closed in last 3. Results 1 - 25 of 32307. WASHINGTON: L3Harris has streamlined its business focus, in effect dropping its commercial aviation unit to lean into defense operations — including its rapidly growing footprint in military. Aug 5, 2021 · class=" fc-falcon">L3Harris office building in Rochester, N. NASA Boulevard. Scientist (Current Employee) - Palm Bay, FL - May 27, 2022. , purchased a group annuity contract from an insurance company to transfer $169 million in pension plan assets. Over the course of the last year the IRS segment rates have increased by 2. 103-10 of the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee . L3Harris Corporation Tactical Communications 1680 University Ave Rochester, NY 14610. 42 per. Shares of L3Harris Technologies Inc. Unauthorized attempts to defeat or circumvent security features, to use the system for other than intended purposes, to deny. Strong focus on pension risk management through our team of credentialed actuaries. ) May 4, 2020 - Leidos (NYSE:LDOS), a FORTUNE ® 500 science and technology leader, today announced that it has completed the acquisition of L3Harris Technologies' ("L3Harris") Security Detection and Automation businesses, for approximately $1 billion in cash. Summary of Benefits and Coverage 2021 High Deductible Option Medicare Eligible Summary of Benefits and Coverage 2021 High Deductible Option. This week the Navy awarded L3Harris Technologies [LHX] a contract worth up to $379 million for the production and repair of the Navy's Cooperative Engagement Capability (CEC) system. Learn more. LHX, +0. Mar 16, 2021 · The lawsuit alleges L3Harris Technologies, a defense contractor and IT services provider headquartered in Melbourne, Florida, has “repeatedly” violated the Employee Retirement Income Security Act (ERISA) by sending upon a qualifying event COBRA notices that fall short of what the law requires. L3Harris Technologies Sr. L3HARRIS RETIREMENT SAVINGS PLAN (Amended and Restated Effective January 1, 2021) L3Harris Retirement Savings Plan (Amended and Restated Effective January 1, 2021) Table of Contents ii SCHEDULE A Special Rules Applying to Transfer Contributions and Transferred Employees A-1. In January 2018, Harris Health adopted new post-retirement health benefits for staff and retirees. The MarketWatch News Department was not involved in the creation of this content. Learn more. New Grads and Interns L3Harris, we put you in the driver’s seat of your career. Insurance, Health & Wellness Financial & Retirement Family & Parenting Vacation & Time Off Perks & Discounts Professional Support Insurance, Health & Wellness Health Insurance 3. If you have an account on Fidelity. attorneys, on behalf of the L3Harris Retirement Savings Plan (the “Plan”),1. “L3Harris’s acquisition of Aerojet defines anticompetitive enhanced market power and would adversely affect customers, including reduced product quality, reduced product variety, reduced. WASHINGTON: L3Harris has streamlined its business focus, in effect dropping its commercial aviation unit to lean into defense operations — including its rapidly growing footprint in military. , has been. Explore and discover how your work can leave a global impact. L3harris retirement service center. L3Harris Technologies (NYSE: LHX) announced today being named one of FORTUNE’s World’s Most Admired Companies for 2023. Which benefits does L3Harris provide? Current and former employees report that L3Harris provides the following benefits. Total cost is only $ 299. It allows a 24 hours per day, 7 days per week access to licenses and download software. Client teams are led by Client Investment Officers, many of whom have. Also report on that line permissible withdrawals from eligible automatic contribution arrangements and corrective distributions of excess deferrals, excess contributions, or excess aggregate contributions except if the. Of the twelve guru strategies we follow, LHX rates highest using our Growth Investor model based on the. Below is contact information on benefits, retirement and more. When looking for the best. The L3Harris Family Medical Center (L3HFMC) opened in 1997 originally to serve Harris employees, retirees and their dependents. on behalf of the L3Harris Retirement Savings Plan,” claim that they have exhausted their administrative remedies. To fully receive 401K match employee has to work with the company for three years. Retiree Resources. LHX, -1. No one is fairly compensated. (NASDAQ:SIDU), a Space-as-a-Service satellite company focused on commercial satellite design, manufacture, launch, and data collection is pleased to announce its selection of L3Harris Technologies (NYSE:LHX) InControl™ and OnTime™ software for command and control and. Cherry Hill, NJ 08034-5225. has resulted in a $13 million civil penalty for the newly formed aerospace and defense contractor L3Harris Technologies, the U. Technical Assistance Center. , began the task of . Retiree Resources. , purchased a group annuity contract from an insurance company to transfer $169 million in pension plan assets. 8 billion acquisition of Orbital ATK, sought to address anticompetition concerns by requiring behavioral remedies. Aug 5, 2021 · Harris Corp. Log In. Location: Portchester, United Kingdom. 77% slipped 1. In January 2018, Harris Health adopted new post-retirement health benefits for staff and retirees. Summary of Benefits and Coverage 2021 High Deductible Option. Aug 5, 2021 · class=" fc-falcon">L3Harris office building in Rochester, N. The University of Central Florida is a public research university in Orlando. 04 Thursday, on what proved to be an all-around mixed trading session for the stock market, with the S&P 500 Index SPX,. L3Harris' 2021 Diversity, Equity and Inclusion Annual Report showcases our commitment and progress toward creating a diverse, equitable and inclusive culture. L3Harris summarizes its fourth quarter 2022 financial results. Changes To Post-Retirement Health Plan Benefits. L3Harris Technologies, Inc. 42 per. Get the latest Pittsburgh local news, breaking news, sports, entertainment, weather and traffic, as well as national and international news, from the Pulitzer Prize-winning staff of the Pittsburgh Post-Gazette. , Melbourne, Fla. Verify your identity. Salaried Retirement Plan, which had been acquired as a result of its. It may not be complete. L3Harris Technologies corporate office is located in 1025 W Nasa Blvd, Melbourne,. 2022 L3Harris Technologies, Inc. State Department said. L3HFMC 5K Age Group Results 2022. 44%) Q4 2020 Earnings Call. LHX, +0. L3Harris Technologies (NYSE: LHX) announced today being named one of FORTUNE’s World’s Most Admired Companies for 2023. Nov 19, 2021. If you need to report misconduct by an L3Harris employee or partner, contact the L3Harris Helpline here. Strong focus on pension risk management through our team of credentialed actuaries. L3harris retirement service center. That’s why we offer 24/7/365 support from our Lynchburg, Virginia offices. 5 hour day on Fridays - finish before 12pm! Pension scheme of up to 7% employer contribution. Since 2019, the FTC has been probing. Log In My Account fb. 41 million. Field proven, with extensive deployment, WESCAM MX-Series designating systems offer “plug-and-play” installation, as well as high-sensitivity multi-spectral sensors for day, low-light and night-time missions. L3harris retirement service center. Employee Benefits Committee (“L3” or. L3harris retirement service center minimum retirement age, report your disability payments on the line for "Wages, salaries, tips, etc. Aug 5, 2021 · class=" fc-falcon">L3Harris office building in Rochester, N. University of Maryland Baltimore. attorneys, on behalf of the L3Harris Retirement Savings Plan (the “Plan”),1. humiliated in bondage, karely ruiz porn

L3Harris’s acquisition of Aerojet defines anticompetitive enhanced market power and would adversely affect customers, including reduced product quality, reduced product variety, reduced. . L3harris retirement service center

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05 billion to boost its defence business at a time of low demand for flight simulators from airlines in a pandemic-battered industry. 21 hours ago · L3Harris Technologies is a Trusted Disruptor for the global aerospace and defense industry. 31, according to the 10-K filing, while the PBO was. RMA and Warranty Information. com or by calling 1. xb oo. Shares of L3Harris Technologies Inc. Instant Auto Quotes Streamline shopping for auto insurance with our new Auto Insurance Quote Comparison Tool and get real-time, side by side rate quotes so you can find the policy that works best for your needs and budget. The company provides advanced defense and commercial technologies across space, air, land, sea and cyber domains. L3Harris Technologies Inc. Since 2019, the FTC has been probing. , Melbourne, Fla. Insurance, Health & Wellness Financial & Retirement Family & Parenting Vacation & Time Off Perks & Discounts Professional Support. 77% slipped 1. Our Technical Assistance Center (TAC) is designed to save you time when handling technical issues with fixed site equipment, mobile and portable radios. 37% to $214. Box 18023. 2% Y/Y to $4. on behalf of the L3Harris Retirement Savings Plan,” claim that they have exhausted their administrative remedies. employees can speak with experienced financial counselors at the Benefits Education & Planning Center for free, personalized guidance with retirement. Notice Any unauthorized use or access to the screens, or the computer systems on which the screens and information to be displayed reside, is strictly prohibited and may be a criminal violation. L3Harris Technologies is a Trusted Disruptor for the global aerospace and defense industry. Defined Contribution services focus on optimizing fund line-up to retirement outcomes. The company scored favorably in the categories of innovation, social. employees can speak with experienced financial counselors at the Benefits Education & Planning Center for free, personalized guidance with retirement. LBPT Service Online (Royal Netherlands Navy Members) MobileVue Client Login. The company provides advanced defense and commercial technologies across air, land, sea, space and. Benefits have deteriorated. Effective January 1, 2022, access the L3Harris Benefits Service Center for any pension requests or questions online at https://Benefits. Company Description: L3Harris Technologies, Inc. 16 by 2. 41 million. Also report on that line permissible withdrawals from eligible automatic contribution arrangements and corrective distributions of excess deferrals, excess contributions, or excess. Complete Contract - Original Participating Addendum;. In January 2018, Harris Health adopted new post-retirement health benefits for staff and retirees. This article will cover four of the most popular options in an effort to help you decide where to put your money to assist in securing your fina. For additional questions, please contact the Human Resources Benefits Department at 713-566-6451, or benefitsdepartment@harrishealth. Job Title Supervisor, Supply Support; Location. Phone: 800-528-7711 Opt. Dedicated Cigna Advocate: Crystal Cunningham. No one is fairly compensated. com Phone: 434-385-2866 Address: 221 JEFFERSON RIDGE PKWY, LYNCHBURG, VA 24501. Loading Global Innovation Center virtual tour. L3Harris Technologies Inc. The University of Central Florida is a public research university in Orlando. Mar 01, 2021, 06:00 ET. New Grads and Interns L3Harris, we put you in the driver’s seat of your career. 71), which the company achieved on March 7th. L3harris retirement service center minimum retirement age, report your disability payments on the line for "Wages, salaries, tips, etc. Customers Airport Analytics Workbook Client Login COG Service Online (DCC Users) EIS Portal EnvironmentalVue Client Login EnvironmentalVue Portal Flight Data Connect GeoReplay® Customer Portal Helios Product Site Info Center Portal for PSPC Dealers. Also report on that line permissible withdrawals from eligible automatic contribution arrangements and corrective distributions of excess deferrals, excess contributions, or excess aggregate contributions except if the. L3HFMC 5K Age Group Results 2022. EnvironmentalVue Client Login. Summary of Benefits and Coverage 2021 High Deductible Option. Last name*. It may not be complete. By 2020, it's predicted to blast through the roof to $77. Communication is vital to our customers. Retiree Resources. Business and Operations L3Harris employees are passionate about our customers and their mission, supporting national security, civil service, transportation safety and more. About L3Harris Who We Are L3Harris is an innovative technology company that delivers focused, agile solutions. Explore and discover how your work can leave a global impact. With customers’ mission-critical needs always in mind, our 46,000 employees deliver end-to-end. Defense contractor L3Harris Technologies Inc. 77% advanced 1. The company scored favorably in the categories of innovation, social. L3Harris provides an inclusive, engaging environment designed to empower employees and promote work-life success. Recognizes L3Harris' premier in-service support capabilities and expertise ;. The acquired businesses provide airport and critical. Melbourne, FL 32919. Herndon, Virginia, United States. The lawsuit alleges L3Harris Technologies, a defense contractor and IT services provider headquartered in Melbourne, Florida, has “repeatedly” violated the Employee Retirement Income Security Act (ERISA) by sending upon a qualifying event COBRA notices that fall short of what the law requires. Glassdoor is your resource for information about the Retirement Plan benefits at L3Harris. The company scored favorably in the categories of innovation, social. View the latest L3Harris Technologies Inc. Learn more. With customers’ mission-critical needs always in mind, our 46,000 employees deliver end-to-end. Plan's fiduciaries, which include L3Harris Technologies, . New Grads and Interns. Discount Shopping. 77% slipped 1. L3Harris Technologies (NYSE: LHX) announced today being named one of FORTUNE’s World’s Most Admired Companies for 2023. os; qc. A Qualified Domestic Relations Order is a type of court order that complies with certain requirements of federal law in order to divide a retirement account. Learn more. Also report on that line permissible withdrawals from eligible automatic contribution arrangements and corrective distributions of excess deferrals, excess contributions, or excess. The company is heavily based on metrics and micromanaging as well. Learn more about our Software FX and SUMS Programs. 77% to $212. Results: L3Harris earnings came in at $2. Current Assets for ITT Corporation Retirement Savings Plan for Salaried Employees is $341,626,734 and SWFI has 2 periods of historical assets available for CSV Export. " on your tax return. Since 2019, the FTC has been probing. Learn more. (866) 488-4889. 12 beats by $0. Aug 5, 2021 · class=" fc-falcon">L3Harris office building in Rochester, N. Melania Trump's Reported Nickname from Secret Service Says A Lot About Her Time at the White House Julia Teti 10/4/2021 US takes emergency action to save sequoias from wildfires. Contact Us Corporate Locations Corporate Headquarters 1025 W. Verify your identity. All rights reserved. Summary of Benefits and Coverage 2021 High Deductible Option Medicare Eligible Summary of Benefits and Coverage 2021 High Deductible Option. With customers’ mission-critical needs always in mind, our 46,000 employees deliver end-to-end. Over the course of the last year the IRS segment rates have increased by 2. The L3Harris Mirabel division employs more than 1,150 people across Canada and is a leading in-service support integrator for the Department of National Defence. L3Harris Technologies is the formation of two $9 billion defense contractors a year ago: New York-based L3 and Florida-based Harris Corporation. 77% to $212. L3Harris Family Medical Center is located at: The Oaks Plaza. 77% to $212. Note: You may receive faster support if your request is submitted through your HR website or over the phone number found on your HR website. This report details our current representation, improvements made in key areas and plans for creating an even more inclusive workplace. Our experienced product specialists and system engineers are here to bolster the technical expertise of front-line maintenance personnel. In November, L3Harris showcased the complex new livery it applied to a 787—the facility's third wide-body custom paint completion of 2019. Harris Corp. Boeing Retirement Service Center. Famed investor Mark Cuban says it. 3 ★ 43 Ratings. FedEx Trade Networks Customer Contact Center (8:00 a. Below is contact information on benefits, retirement and more. . porngratis