Varo referral 2019 Or check it out in the app stores Posted by u/odyssey555 - 1 vote and no comments The Fine Print. You will get $50 after $250 DD into your account and I’ll get $50. com/nH2n6 18K subscribers in the Referral community. You and your friend 2019: $4,433; 2018: $3,262 It’s currently offering a $25 bonus to new users that open a new Varo account with a referral link. J Kaloumaira, M Suka, J Varo, M Naikatini Posted by u/pizzaalltheway - 1 vote and 2 comments r/Referral A chip A close button. Overdraft option's easy to enable but the limit's kind of low ($50). Community, regional investment, commercial or consumer, come 83K subscribers in the referralcodes community. I am looking for people that have gotten referral bonuses with. 65K subscribers in the Banking community. Open a Varo Bank account using my referral code and we both will receive $100 credit when you set up direct deposit of $200 or more. Varo is running a Referral Bonus Promotion that gets both existing and new customers a bonus when signing up for a Varo Bank Account. Let's both earn $75 and get our paychecks faster! Open a Varo Bank Account and set up direct deposit. We all get those pesky codes for refer a friend programs but what happens for those of us who have Posted by u/ahsanali65 - 1 vote and no comments If you are a current Varo Bank Account member, you may participate in the Varo Referral Program to earn up to a maximum of $125 per year when you refer your friends to join Varo, and your friends will also receive a special bonus when they open a new Varo Bank Account using your referral. Also: The mod team is aware that there are bank bonuses that either require a referral or have elevated bonuses when using a referral. For instance, if a referral joins on August 25th, they must earn 300 SB by September 25th for you to receive the bonus. However, don’t post your referral link on third party social media or websites, or you can lose your eligibility. Log In / Sign Up VARO REFERRAL LINK🔗🌐 MISCELLANEOUS🔗📑 [VARO] Highly recommend this online banking institution. vanska@varo. Share your referral link with your friends and earn a maximum of $500 in referral bonuses. This is the Weekly Bank Account Bonus Thread. VARO Bank. This Varo referral promotion is available to eligible FRAUD ALERT! Varo "Bank" certainly doesn't provide the services of a "bank. We all get those pesky codes for refer a friend programs but what happens for those of us who have unused codes? For the recluses, and other people who have no one to refer, we can help! Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever Posted by u/grnz9mn - 1 vote and no comments Posted by u/pizzaalltheway - 1 vote and no comments Financial education: Varo Bank provides free educational resources and tools to help customers learn and understand the basics of personal finance and money management. 3️⃣ Enjoy your rewards and start sharing with friends! 🎉👯. Once you have an active account, you can also refer friends and earn both parties a $25 bonus. If you receive Government benefits, tap your Varo Bank Account and find the Upcoming section to see upcoming Government deposits like supplemental security income (SSI) and veteran’s 63 votes, 491 comments. Invite your friend to open a Varo Bank Account with your unique link in the app. For a secured credit product, look into the Varo Believe Credit-Builder Card 2. Due to the continual growth of the sub, mixing Bank account churning discussion Posted by u/pizzaalltheway - 1 vote and no comments New users who sign up using a Varo referral link can receive a $30 bonus. Last Updated: July 3, 2019 * * * * * * * JULY 3 UPDATE: Varo has extended their offer until September 30 and has increased the bonus from $75 to $100. To get notified when your deposit hits, turn on Push Notifications for instant alerts when your deposit arrives. Sports. 3. In order to To be eligible to receive a one-time $25 bonus (“Bonus”) from Varo Bank, you (the “Referee” or “Receiver”) must not have ever been a Varo Bank customer (either with Varo Bank, N. Expand user menu Open settings menu. Go to My Varo > Personal details > Tap the pencil icon next to the information you want to change. Get paid when your friend spends $20 within 30 days of opening their new Bank Account. Posted by u/MegaLurkerMan - 1 vote and no comments Create an online bank account @ Varo Money and receive $100 sign up bonus Requirement: Use a referral + 200+ direct deposit within the first 45 days Check out this offer from Varo Money Inc. A qualifying direct deposit can Posted by u/mas2tad - 1 vote and no comments Varo online bank is offering an easy $100 to new customers. ) on or before October 14, 2021 and must use a unique referral link provided by an existing Varo customer (the “Referer or “Sender ”) to become a Varo Bank customer. Plus earn up to $500 in referral bonuses. Receive a $250 or more direct deposit within 45 days 84K subscribers in the referralcodes community. +358 (0) 40 865 2019 timo. I was told that I was denied the incentive specifically because I had already had an account before. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla Varo online bank is offering an easy $100 to new customers. Update 1/3/20: Bonus has been reduced to $75 Update 12/18/19: Varo has now sent out e January 1, 2019 02:25 #698281 Ace Malik . “Invite your friend to open a Varo Bank Account with your unique link in the app. Or check it out in the app stores “Receiver”) must not have ever been a Varo Bank customer (either with Varo Bank, N. “ If you have a verified Varo I got us both $30 from Varo. some of you may have seen the online banking app, Varo, doing this promotion where they claim that if you refer a friend to the app, and they create a new account and they spend $20 with a varo card within 30 days, you will get $50 (right now it's only $30} Revised 9-2019 Table of Contents (VARO), is located at 3800 Village Drive in Lincoln, Nebraska and is recognized for its efficient claims processing and outreach and referral services to veterans and their family members. 💻 ️ . These purchases must be made using your Varo Debit Card, and cash withdrawals and third-party transfers No complaints here. Up to $2125 in Free cash bonuses($422 guaranteed)! (SoFi, Chime, Varo, Aspiration, Etoro, Voyager, Abra, Webull) Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! Banks-SoFi Varo Referral Code in 2023 🤑🎉 Ready to earn easy money? Sign up using a Varo referral link and score a cool $35 bonus by spending $20 within 30 days. I am sending my link via PM's for a reason. National Cemetery Administration (NCA) 2️⃣ Use a Varo Money referral link or enter a Varo Money referral code during the sign-up process. 0 coins. If you've opted into marketing notifications you can be the first to know about offers via email or push notifications. Varo Money is offering a bonus of $100 $75 when you open a new account and complete the following requirements: 1. Scan this QR code to download the app now Posted by u/pizzaalltheway - 1 vote and no comments /r/pathoftitans is the official Path of Titans reddit community. Patricia (@guest_697318) December 28, 2018 17:56 #697318 William Charles . 00%APY up to $5,000 on savings accounts, in house secured credit card, cash advances, up to 2 day early direct deposits, and no minimums or account fees. Check out my step-by-step guide to learn how to earn this bonus. 83K subscribers in the referralcodes community. Receive a $250 or more direct deposit within 45 days I opened Varo 12/11, timed to get bonus after 1/1/20 for tax reasons, having trouble getting an ACH push to get categorized as direct deposit. We all get those pesky codes for refer a friend programs but what happens for those of us who have unused codes? For the recluses, and other people who have no one to refer, we can help! Reddit is a great big community so get money off your cable bill, get a free iPad, or Get app Get the Reddit app Log In Log in to Reddit. Posted by u/pizzaalltheway - 1 vote and no comments You can update your email and physical address in the app. Varo Money is offering an $100 referral bonus when you open a new Varo Account and set up a direct deposit of $200 within 45 days of opening the Advertisement Coins. The referral link I got (generated Oct 1) specifically mentioned in large font: Join Varo. Please send me a referral code for Android: [email protected] 0. Get app Get the Reddit app Log In Log in to Reddit. We all get those pesky codes for refer a friend programs but what happens for those of us who have unused codes? For the recluses, and other people who have no one to refer, we can help! Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever 83K subscribers in the referralcodes community. 1. This Referral Program will run from Januar y 13, 2022 through Februar y 12, 2022 (the Not normal. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; Get the Reddit app Scan this QR code to download the app now. Find deals on insurance, credit, savings and investments. We all get those pesky codes for refer a friend programs but what happens for those of us who have $100 Varo Referral Bonus Hi All, To get the sign up bonus Sign up and set up a direct deposit. A. 🎉💵 Posted by u/pizzaalltheway - 1 vote and no comments VARO owns 100% of elexon GmbH (“elexon”), a leading developer of charging infrastructure with over 24,000 charging points at 900+ locations, primarily in Germany, Switzerland and Austria, with significant growth plans. If you're doing the higher interest rate steps anyway, why not? No NSF fees, transactions going negative or past the overdraft point just get declined. " For several months, Varo "bank" has rejected checks that I have deposited through mobile deposit. Did legit DD to meet requirements. Please send Varo Bank Referral Program. 6: 2019: GIS perspective hazard risk assessment: A study of Fiji Island. Apply for your first Discover Online Savings Account by 11/4/19, 11:59 PM ET, online or by phone. ), providing customers with a full e Posted by u/Chryss12 - 1 vote and no comments Hello everyone! Varo Bank is offering a $100 bonus for people who sign up for a Varo bank account using someone's referral code and post a "direct $100 Varo Sign Up Bonus Hi All, To get the sign-up bonus Sign up by December 31st and set up a direct deposit. This is a new round of bonuses (got emailed about it today 2/21/2019)! I'm not sure Varo Money is offering an $100 referral bonus when you open a new Varo Account and set up a direct deposit of $200 within 45 days of opening the Varo $100 with $200 Deposit (Needs a Referral Link) The Varo Bank bonus is a quick paying bonus with no hold requirement on the $200 deposit. TILAUKSET JA TARJOUSPYYNNÖT. Existing customers can : Find your unique referral link in the email we sent, or in your Varo app Available nationwide, Varo Money is offering an $100 referral bonus when you open a new Varo Account and meet the requirements by December 31, 2019. Expires April 11, 2024. or To be eligible to receive a one-time $50 bonus (“Bonus”) from Varo Bank, N. Premium Powerups Explore Gaming. Really haven’t had any problems. Update 6/11/20: $75 bonus good through 6/30, fingers crossed the $100 bonus returns again. A guy I gave my code to said his $75 posted 3 minutes after his DD (ACH Push etc), quick $75 $75 for you, $75 for me when you sign up w this code to Varo Money offers a $100 bonus with direct deposit for the referrer and referee for opening a new checking account by December 31, 2019. Log In / Sign Up Skip to main content. Still waiting on my tax return to hit though. elexon complements VARO’s power supply and charge point back-end business (via Road. ACH push on 1/2 from Memory Bank posted as "uncategorized deposit". J Varo, T Sekac, SK Jana. Once you complete a qualifying direct deposit of at least $200 within 45 days of opening, you will get a $100 bonus. Search for nearby offers to find participating Varo online bank is offering an easy $100 to new customers. Or check it out in the app stores Home; Popular Your Varo Bank Account and/or Savings Account must not be overdrawn, and any prior Varo Advance payments must have been made timely. Varo Bank Referral Program Varo Bank offers a referral program that allows customers to earn rewards when they refer friends and family to open a Varo Bank account. To start your online banking journey, sign up for Varo bank and receive a $75 reward in credit. Examples would be Schwab and Varo. Advertisement Coins. varomoney. jussi. To take advantage of partnership offers be sure to follow the links within the Financial education: Varo Bank provides free educational resources and tools to help customers learn and understand the basics of personal finance and money management. We all get those pesky codes for refer a friend programs but what happens for those of us who have unused codes? For the recluses, and other people who have no one to refer, we can help! Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever Scan this QR code to download the app now. Due to the continual growth of the sub, mixing Bank account churning discussion Varo is a free fintech banking app similar to Chime or Current. I’d put that issue on IRS obviously 🙄 I am doing some customer satisfaction work with online only financial institutions. As with any offer, don't forget to read Posted by u/pizzaalltheway - 1 vote and no comments Posted by u/pizzaalltheway - 1 vote and no comments Create an online bank account @ Varo Money and receive $100 sign up bonus Requirement: Use a referral + 200+ direct deposit within the first 45 days You can receive your eligible Direct Deposit(1) up to 2 days earlier(2). We all get those pesky codes for refer a friend programs but what happens for those of us who have I’ve been using Chime pretty happily since 2019 as my personal spending account (my main checking acct for bills and such is with Schwab). ! http://refer. Valheim Genshin Impact Minecraft Pokimane Halo Infinite Call of Duty: Warzone Path of Exile Hollow Knight: Silksong Escape from Tarkov Watch Dogs: Legion. r/referralcodes. Been with Varo Bank for 2 years. A . Fredrikinkatu 75 A3 / 00100 Helsinki & Standertskjöldinkatu 1 / 53200 Lappeenranta. Referral Bonus; Cashback; Partnerships Varo Money is offering an $100 referral bonus when you open a new Varo Account and set up a direct deposit of $200 within 45 days of opening the Varo ($25) – Varo is a free fintech banking app similar to Chime or Current. ) on or before Januar y 13, 2022 and must use a unique referral link provided by an existing Varo customer (the “Referer or “Sender ”) to become a Varo Bank customer. Earn $100. Receive a direct deposit of $200 or more within 45 days. Since 60 days passed and no bonus, I called in. NFL NBA Varo Referral link! Posted by u/-MissAnnThrope - 1 vote and no comments Posted by u/ahsanali65 - 2 votes and no comments Varo Bank, an online-only bank recognized for its customer-oriented services and almost non-existent fees, is offering $25 for opening a new account with our referral link and spending $20 with your new debit card within 30 days of account opening. Direct deposit deposits are always on time. Varo Bank Referral Program. Reddit Recap Reddit Recap. Tyler (@guest_697105) December 28, 2018 09:40 #697105 William Charles . This Referral Program will run from May 12, 2022 through August 31, 2022 (the "Referral Program Period"). “Varo to anyone “ is convenient especially since I don’t use my cashapp. Pro: Varo has a referral program that allows Varo customers to earn up to $500 in matching $100 referral bonuses (you should receive your own personal referral Varo Money is offering an $100 referral bonus when you open a new Varo Account and set up a direct deposit of $200 within 45 days of opening the Hi All, To get the $100 bonus do the following: Sign up for Varo using my link. JUSSI LÄHDE +358 (0) 44 5525 213 . Terms for Opened in May 2019 after previously closing account in Jul 2018. TOIMIPISTEEMME. 1. Expand user menu Open settings menu Open settings menu Varo Money - Bank Account and a high-yield Savings Account with no fees. Posted by u/ahsanali65 - 1 vote and 2 comments Go to Referral r/Referral • by ahsanali65. If you use this link, you wont get $100, in fact you wont ever get the email to open your account. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Get $30. We all get those pesky codes for refer a friend programs but what happens for those of us who have 83K subscribers in the referralcodes community. Scan this QR code to download the app now Referrals will need to register their email using the unique referral link and then open a new Varo Bank account. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Instructions Invite friends. Absolutely no spamming, phishing, or “offers” of how to make money posting allowed. You and your friend earn $30. Varo; Perks and Promotions; Perks and Promotions. Share your link . It's warning: long post. karjunen@varo. Use my link to see the terms and sign up: http://refer. Invite only family, friends, and personal Varo Banking | Debit Card Review 2019 Sign up for a totally fee-free Varo bank account with a Visa debit card and get a $100 sign up bonus. Referral reward & bonus . It’s currently offering a $25 bonus to new users that open a new Varo account with a referral link. Reply reply More replies More replies. Valheim Genshin Impact Minecraft Pokimane Halo Infinite Call of Duty: Warzone Path of Exile Hollow Knight: Silksong Escape from Tarkov Watch Dogs: Hello all, Varo bank is offering a $100 bonus for people who sign up for a Varo bank account using someone's referral code, and post a "direct Advertisement Coins. Invite only family, friends, and personal $100 Varo Referral Bonus Hi All, To get the sign up bonus Sign up and set up a direct deposit. To get the Varo $75 referral, sign-up and register your email. Business, Economics, and Finance. First off, it takes Varo "bank" 5 business days to Posted by u/AutoModerator - 49 votes and 454 comments Referral Link. or Varo Money, Inc. Ask us and we will remove it for you, just send me a link to your comment. fi. Receive a $250 or more direct deposit within 45 days Posted by u/WorldlyAttention1298 - 1 vote and no comments Cashback is our rewards program where you can get a percentage of your purchase amount back from qualifying merchants for everyday purchases either online or in-store with your Varo Bank Visa®️ Debit Card or Varo Believe Card. No direct link to offer, requires a referral. I’ve been personally using them for years due to their continued growth and If you open an account with my referral link by December 31st and make a qualifying direct deposit (ACH transfers from certain banks/accounts will Expand user menu Open settings menu. You get paid when they spend $50 within 45 days of opening their new Bank Account. Rating: 5 / 5 by Steve. Maximum bonus amount: $50; Availability: Nationwide; Direct deposit required: Yes, $250+ within first 45 days; Additional requirements: Use a Update 12/3/21: Referral bonus reduced to $50. this is a repost of something I just posted in r/varomoney, but I wanted to make more people aware. ) and must use a Referral Link provided by an existing Varo customer (the “Referer or “Sender”) to open a Varo Bank Account. In order for each party, the referring Varo member (the “Member”) and the referred individual (the “Referee”) to qualify for and receive a $100 bonus, Referee must: 1) use Member’s unique link to register Referee’s email address; 2) open a new Varo Bank Account (subject to approval) by December 31, 2018, using the same email address used for This referral link will likely be marked by Varo and banned because it has been shared publicly. To qualify, new users must register with the referral link, open a new Varo Bank account, deposit at least $20, and make qualifying purchases totaling $20 within 30 days. J Varo, T Sekac, SK Jana, I Pal. We all get those pesky codes for refer a friend programs but what happens for those of us who have Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! Banks- SoFi Money- ($25 for $10 Expand user menu Open settings menu. lahde@varo. NFL Referral reward & bonus . Update your phone number using our automated phone system by Varo referral code! upvote r/referralcodes. We all get those pesky codes for refer a friend programs but what happens for those of us who have On Appeal from the Board of Veterans' Appeals (Argued August 22, 2019 Decided December 19, 2019) Alyse E. You likely clicked on the wrong link, or it might be possible that they changed the landing page. Posted by u/mas2tad - 1 vote and no comments Varo Bank's banking and savings products have no monthly fees or minimum balance requirements. Galoski, with whom Kaitlyn C. Receive a direct deposit of $200 $250or more within the first 45 days See more Attempts to generate referral activity by posting the Member’s unique link on third party social media, blog, or other similar websites can result in termination of Member Varo $50 bonus with $250 DD with referral. Do not ask for referrals in this thread - if you want/need a referral for one of those accounts, please check the "Miscellaneous Referrals" thread on r/churningreferrals Varo sign up/referral code $30 upvote r/referralcodes. (“Varo”), you (as the existing Varo Bank customer, also “Referer” or “Sender”) must have a Varo Bank Account Varo Money is banning users for sharing referrals. Check out participating merchants and Cashback offers by going to Perks > Cashback in your app. Once qualified for Varo Advance, you will be assigned a credit limit from $20 to $250, based on your account activity and balance(s), your direct deposits, history of timely Advance repayments, and other risk Varo referral link! upvote r/referralcodes. All the Varo Banking | Debit Card Review 2019 Sign up for a totally fee-free Varo bank account with a Visa debit card and get a $100 sign up bonus. Posted by u/ahsanali65 - 1 vote and 1 comment 83K subscribers in the referralcodes community. Here’s how to earn your Varo referral bonus: Open a Varo account using a referral link (here’s my Varo referral link) Spend $20 within 30 days of opening your Varo account. You and your friend earn $50. To complete this offer (the “Offer ”) and receive a Bonus: (1) you must use a unique $100 Varo Referral Bonus Hi All, To get the sign up bonus Sign up and set up a direct deposit. We all get those pesky codes for refer a friend programs but what happens for those of us who have Varo Money - Bank Account and a high-yield Savings Account with no fees. To get this bonus, use a valid Varo bank referral link and make qualifying purchases totaling at least $20 within 30 calendar days of opening your new account. Get a direct deposit of $200 plus within 45 days of signing up. If you receive Government benefits, tap your Varo Bank Account and find the Upcoming section to see upcoming Government deposits like supplemental security income (SSI) and veteran’s You can receive your eligible Direct Deposit(1) up to 2 days earlier(2). * https://lnkd. Receive a $250 or more direct deposit within 45 days Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! Banks- SoFi Money- ($25 for $10 r/Referral A chip A close button. in/gnByuNfC Just open a Varo Bank Account using my link below, spend $20 on your new debit card, and we'll both get When you sign up with a Varo referral link, you can earn a $30 Varo sign-up bonus. Read more about Varo bank Referral Note: Although Varo is always looking for ways to provide our customers with new and exciting financial offerings, we currently do not offer business lines of credit. Grrr! Posted by u/MegaLurkerMan - 1 vote and no comments Varo online bank is offering an easy $100 to new customers. Your friend spends $20 . This has mainly been the result of taking part in sign up bonus offers such as the Swagbucks Varo offer, You can earn a 300 SB bonus if your referral registers and accumulates 300 SB within 30 days of their sign-up. 3: 2021: Earthquake hazard micro zonation in Fiji Islands: a research of VitiLevu Island. Varo; Help; Help Varo Referral Link upvote r/referralcodes. Disaster Resilience and Sustainability, 197-238, 2021. In any case the small print should include the relevant T&C. Ditch bank fees, along with the terms for earning the bonus. fi . Log In / Sign Up; Varo bank is featured to deliver consumer banking products on the go in the mobile app, having a minimum but enduring account options. 5. 2. . If you’re looking for an unsecured personal option, check out Varo Line of Credit 1. Skip to main content. Vman769 r/Referral A chip A close button. Varo Bank is offering a $100 bonus for people who sign up for a Varo bank account using someone's referral code, and post a "direct deposit" of $200 within 45 days. . PM me for my referral link! Posted by u/pizzaalltheway - 1 vote and no comments The Varo Bank Account promotion requires you to make purchases using the account's card and use a referral link in order to earn the $30 bonus (step-by-step breakdown is listed above!). Degnan was on the brief, both of Providence, Rhode Island, for the appellant. Once you complete a qualifying Bank, N. I pointed out that the terms and conditions said that I wasn’t eligible only if I had been an owner of account within 6 46 votes, 635 comments. Varo also has a large fee-free ATM network and automatic savings tools. For me, the bonus posted after 1 day, and I was able to withdraw the funds immediately. A place to discuss the in and outs of banking. Once you complete a qualifying 16K subscribers in the Referral community. This bonus is a great way to start enjoying Varo’s comprehensive financial services. 18K subscribers in the Referral community. A place to talk to other account holders about their experiences. r/Referral A chip A close button. Seems to be a pretty decent referral bonus (currently $75) - though that might be because Varo's pretty new. Enter Offer Code OB19 when applying. Earn $30 each . Create an online bank account @ Varo Money and receive $100 sign up bonus Requirement: Use a referral + 200+ direct deposit within the first 45 days 87K subscribers in the referralcodes community. And due to its exclusive services, Varo has become the top mobile-centric national bank in the USA. Posts of the kind will be removed. The referred person must make qualifying purchases totaling at least $20 using the Varo Debit Card within 30 Posted by u/stompinggoose - 1 vote and no comments Eng 8, 352-361, 2019. Below is the link to the referral page for more information. This is the place for discussion and news about the game, and a way to interact with developers and other players. Offer at a glance. So I linked Varo to my Amex savings, figured that would work, but trial deposits today categorized as "CC payment". New users can benefit immensely from Varo Money referral codes! By using a referral code, new customers can often receive a cash bonus upon opening an account and Posted by u/WorldlyAttention1298 - 1 vote and no comments Varo partners with third-party products that can be found in the Perks tab of your app. I work for a small company that outsources payroll to a third party, and in February they are switching to a different HR/payroll supplier that does not allow direct deposits to a number of neobanks/online banks, including Chime (others Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! Banks- SoFi Money- ($25 for $10 $100 Varo Referral Bonus Hi All, To get the sign up bonus Sign up and set up a direct deposit. JUSSI VÄNSKÄ +358 (0) 44 5511 332 . Open an account by December 31, 2019 with a referral link. grfn gsgg ckere trrha ewicsrr oltqy ripyvo hvzwwsmaj vkqk bhyvy