Lease hackr

Fox Business Outlook: Costco using some of its savings from GOP tax reform bill to raise their minimum wage to $14 an hour. 

Anyone have dealers who are making deals, have stock, or are just not trying to sell it over sticker? Jun 29, 2019 · Hey LH Community, About Us Like many, we think the leasing process can be cumbersome and frustrating. The Audi Q3 is a compact luxury SUV that punches above its weight in terms of style and technology. I’ve been quoted $400/month for the base AWD model with $4000 drive-off for 10K miles, including TTL. leasehackr. May 25, 2024 · You have 36% tax rate. We always recommend the following method before you ever contact a dealership. First off, just want to thank everyone in this forum, it was instrumental in helping me get my first leased car. I also saw they have a 10k lease cash available. a. How to Find a Deal on Leasehackr. As our ardent patron, you will: Be recognized as our Super Supporterson the forum; Get access to advanced features such as Rate Findr, our Calculator tool that lets consumers look up lease and Apr 7, 2021 · Acura MDX 2022 Lease. nj , tesla , lease-transfer. May 14, 2021 · Also 39 month may be better, but I don’t want to pay another year of RTA tax to save $20/month and also did not ask. incl. That being said, I reserved in Fall 2020, Ordered in Feb 2021, reordered a 22 in November 2021, and am still waiting. Depending on your vehicle’s mileage, condition, and other factors, you could be sitting on hundreds, if not thousands of dollars, in lease equity. Jun 3, 2018 · 3021. This one is attempting to lease like a Range Rover, coming in at nearly $10K over MSRP with a lease payment of nearly $1,900 for 36/15,000. . Audi Q8 premium (75k price) - looks like we’re getting a $10-15k discount. Monthly Payment: $ 388 (including WA 10. theduke April 10, 2024, 3:41pm 12. Leasing 101LeasehackrOctober 20, 2022Rate Findr. Sample deal on leasehackr calculator The deal ends up being $394 per month with $0 down payment , plus taxes and fees, on a 2023 Jeep Grand Cherokee Altitude 4x4, assuming 3% off MSRP and New York taxes and registration, including the Mar 25, 2022 · Leasehackr Calculator is the most powerful consumer research tool for car leases and car financing. Rate findr. Topic Replies Views Activity; About the Northeast category. Go to bottom for latest deals. Jan 7, 2024 · Make & Model: 2024 BMW M340i xdrive [Black on black exterior w/ red leather interior] MSRP: $67K Selling Price: $59. 15 Tax rate: 6%. Jan 26, 2022 · Art. $859/month Take delivery before 12/31/2023 36 months with 30k miles $6,754 due at signing $7500 EV credit. New businesses must be approved before participating in any commercial activity on Leasehackr, including the forum. If you have a lease ending soon with one of these brands, be sure to request a quote through Equityhackrto see how much lease equity you could be sitting on. You can end your donation anytime via our Member Portalon a non-prorated basis. More often than not, this is the result of user error, so let this be a guide on how to use the calculator and what values go where. nj, suv, usa-nationwide, ny. Homepage: https://leasehackr. Leasing 101 | LEASEHACKR. Ask the Hackrs. ga, coupe, bmw. suv , ca-socal , audi. Available only in the following states: Arizona. Leasehackr is the web’s largest community dedicated to the art of leasing a car. Aug 28, 2018 · Generally, a good deal is when your monthly payment is equal to one percent of the retail price of the car, with only drive-off fees due upfront (first month’s payment, document fees, and vehicle registration). Leasehackr’s goal is to make information more accessible to the consumer, hence the creation of Rate Findr. 2023 Escalade Sport AWD short version with Onyx package and towing. Please follow the instructions to register here. Here’s how you hack one for $478/month. I signed this today. You will be charged monthly until cancellation. 726. RadicalSaber March 19, 2024, 3:30am 1. California LEXUS/TOYOTA Deals ☼ Free Delivery to SoCal ☼ June Specials ☼ LEXUS ES300H $536 + TAX 36MO/7. It retails for $29,380, including destination -- so that’s what I enter here, under MSRP, I select “Toyota” as the make. 4s 12% - Taos 11% - Tiguan 9% - Atlas 8. Terms are vetted by Leasehackr. Feb 4, 2021 · Selling my lease? Ask the Hackrs. FORUM | LEASEHACKR Marketplace Northeast. Review the exact lease terms at home and schedule pick-up or delivery. Rate Findris a first-of-its-kind tool SIGNED! is a grassroots project that crowdsources database of car lease and purchase contracts for everyone to learn and reference. $1,500 EV conquest: Current owners of EVs and maybe plug-in hybrids qualify. With that said, a few starting notes. EQS Incentives - Taxed or Untaxed - Calculator Education. Whether you’re here to discover the latest deals, learn negotiation techniques, or chat about cars, you’ve come to the right place. truck, ev, usa-nationwide. Bypass the third-party buyout ban and access your lease equity with Equityhackr. The calculator on leasehack gives me a MF of 0 Oct 13, 2021 · For those interested in the numbers, here’s a link to the Leasehackr Calculator estimating a 36-month lease on a $61,200 Polestar 2 Launch Edition for October 2021, assuming Los Angeles, California, taxes and fees, and application of the $1,500 Clean Fuel Reward (becomes $750 on November 2, 2021). After looking everywhere for leftover 2022’s, finally came across a dealer with an executive car (2700 mi). It is practically impossible for us to tell you what a “good” monthly payment is for your specific lease as lease programs are highly dependent on region, personal qualifications, tax rates, etc. Dec 20, 2022 · In this trending topic, Leasehackr member @giveleaseplease shares the 2023 Nissan Frontier PRO-4X deal he recently signed: 2023 Nissan Frontier PRO-4X Baja Storm / Black Leather $48545 MSRP 18/10k (15k total) Sale Price: 47370 Discount: 2. 07. To learn more about the Leasehackr Method, check out our How to Use Leasehackrvideo. $141 /mo. No dealer mark-ups or mandatory add-ons. I Just look out for DAS and MSDs. 14. Deals are exclusive to Leasehackr readers. Would def recommend him to everyone and anyone that is looking for a great deal on a great car. Jan 8, 2024 · Here is a list of brands that are likely to have positive equity now in January 2024: Acura. Seamless Checkout. For the past two years we have been “hacking” leases on behalf of many clients and have managed to snag some incredible deals in the process. It integrates lease, finance, and cash purchase programs for virtually all car models in the US and Canada. Mar 19, 2024 · Deal Check: BMW 230i 2024 model. I have a Bronco on order and between the MF and RV (probably very low, it’s in the low 60s for 36mo), it makes much more sense to buy. http Nov 30, 2021 · Falcon01 January 26, 2022, 5:31pm 16. SIGNED! is a grassroots project that crowdsources database of car lease and purchase contracts for everyone to learn and reference. The Nov 6, 2023 · Basically the cost to lease is around 12k for 36 months. But now I’m interested in selling it! Here are the details: I leased for 36 months back in Sept 18 so my lease ends in Sept 21. Paying off within 1 week of lease neglects the 12k in money factor. Most brokers are offering strong discounts below MSRP if you custom order; we’re seeing as high as 13% off MSRP on the 4xe plug-in hybrid. Sharing individual deals posted on SIGNED! Latest Deals Leasehackr December 17, 2021 Tesla Breaking Down Tesla's New $399/Month Model 3 (In-Depth Analysis) Amounts to $437 per month and $6,660 drive-off for a Los Angeles resident, before local incentives. Anonymous participation is welcome. Discuss tips and find deals here! Feb 14, 2023 · After I helped my brother-in-law get the 2022 RS e-tron GT (deal details in next post), I was wondering if I could hack a regular e-Tron to be <$900/mo. Apr 10, 2024 · In researching, many dealers are making up these vehicles crazy amounts, others working off MSRP…. Hello, looking to lease the 2022 MDX. 6 (higher including CC rebates) Source: ‘22 Mercedes EQS 24/12 497m + Tax, 1125 + MSDs DAS 105. Read these 3 times before continuing: The calculator is not perfect, there are some Jan 2, 2024 · Please review… 2023 BMW i7 x60 MSRP: 135,495 Sales price: 115,200 (14. Suspension is vastly improved (much smoother ride) and more linear power delivery. These numbers are essential to evaluating your deal. When I ran the calc on this it was $1,1xx a month on a lease. Website. Using the lease calculator on the Jeep website I get a payment under $500 a month before taxes, tags and other fees with your given numbers. Also must include 6 days ago · Lease end buyouts for Audi, BMW, Infiniti, Hyundai, KIA, Mercedes, Nissan ALL LEASE RESTRICTED LENDER BUYOUTS ALL STATES Jun 5, 2021 · October 18, 2021 - Moderator’s Notes: Wrangler is no longer eligible for FCA Affiliate Rewards Price. , capitalized cost reduction), plus taxes, title, and license/registration fees. Jan 8, 2024 · Eligible Leased Vehicles (Updated May 6, 2024) Below is a list of every electrified 2023 and 2024 car, truck, and SUV that offers a $7,500 or higher lease incentive from the manufacturer’s affiliated lender: Audi Financial Services. Discounts on ordered vehicles have diminished compared to when this thread was originally created (June 2021). We couldn’t get a good lease deal because the car just released this month and Lexus doesn’t have a good lease program for the launch. Want to be the first to know about our discoveries? Subscribe to our Deal Alert and follow us on social media. Get all your incentives ready. k. Competitive lease deals pre-negotiated by the experts at Leasehackr to save you time and money. NJ Lease Transfer: 2023 Tesla Model 3 RWD, 22 months remaining, $405/month. View all SIGNED! deals. The program will calculate your interest rate, residual value, and Leasehackr Score based on your inputs. Any lease referral you send me after you lease a vehicle from me I pay you $100. Limited Availability. Sold Order Consumer Protection Apr 26, 2019 · Just picked up my 2018 BMW that Jim helped me get to the deal that I wanted. The Auto Lease Ninjas LLC was founded in 2019 to help make the auto leasing process stress free and easy. This doesn’t include a $1000 Costco discount or any MSD yet. 8K Drive Off: $798 [First Month Payment] + $5600 MSDs Lease Term & Mileage: 39 month; 10k miles/year Monthly Payment: $798 3rd 340 in 5 years, and this one drives the best in my opinion. Could’ve Jun 14, 2021 · Ford Mustang Mach-E : Nationwide. cpq June 14, 2021, 7:31am 1. Finally happy to hear that Rivian has shared some additional details on its current leasing offer on the R1T. 1: 17948: July 5, 2023 Apr 17, 2023 · Leasehackr Calculator is the most powerful consumer research tool for car leases and car financing. June 9, 2024. Leasing 101LeasehackrAugust 4, 2023SIGNED!, Audi, e-tron GT, top. comCommunity: https://forum. Mar 13, 2019 · I have reviews scattered across the forum on my deal posts as well! I have a referral program. 2023 EQS New MF for March 2024. If you never leased from me then it’s $50 for the first and $100 for any subsequent ones. Security Deposit of $ 2700. Months: 36. New! Look Up Lease and Finance Programs with RATE FINDR. See How You Did. pdg February 4, 2021, 8:31pm 1. Skip to the most recent posts to get an idea of what current discounts are like. Audi Q4 e-tron. Special Finance Rates that Dealers Keep Secret. Leased a Tacoma last year for 240/mo and only had to pay broker fee upfront. 20% or more off MSRP would be hardest to find but of course will be cheapest. $7,500 official on i4 35e and iX 50e. Leasehackr is the web’s largest community dedicated to car leasing and automotive financial literacy. RAM 1500 is Leasehackr’s favorite half-ton pickup, offering a rumbly Hemi V-8 along with surprisingly refined road manners. He was super helpful and patient with me as I am new to this whole process. Just read their reviews they usually all have review threads on leasehackr. 5k Miles MF: 0. Doesn’t sound like dealer is willing to budge. Sep 24, 2023 · Shopping for a new SUV lease, and stumbled across the Cadillac Lyriq EV: Current deal below, car currently reserved with a refundable deposit. comLeasehackr is A The Leasehackr community is joined by dealer and brokers representatives who contribute their industry insight and offer no-haggle deals that are generally better than those available to the general public (some digging on the forum required!). Find dealer and broker profiles and reviews. . It provides the web's premier tools and resources to help shoppers discover a great lease deal. On top of that, GM is offering for purchases: A $3,750 incentive for those who turn in their current Bolt leases. Apr 28, 2023 · calculator | leasehackr Leasehackr Calculator is the most powerful consumer research tool for car leases and car financing. Leasehackr’s original editorial to help you score a great lease deal. The lease calculator run with the same figures shows a monthly payment of $927 w/o tax , $1007 incl. Ursus November 6, 2023, 4:07pm 16. For example, our dealer partner buys your leased car for $27,000. 10 out of 10!! Jul 24, 2022 · Per our community’s requests, we have incorporated a new finance calculator into Leasehackr Calculator to help users compare their options. Every Q3 comes equipped with a panoramic sunroof, virtual cockpit, and leather upholstery, while the Convenience Package found on the Pre-Negotiated Deal cars adds blind spot warning, advanced key, and other niceties. Adding $2,000 in negative equity adds approximately $56 a month to your new lease (assuming 36 months). leasehackr. Oct 8, 2021 · There is, however, one possible exception right now — the popular 2021 Jeep Wrangler Unlimited and Gladiator. Access Rate Findr. Don’t need to seat 4 adults so a coupe works for me and I drive about 9000miles a year. Dec 29, 2023 · But the buyout had additional questions, like conflicting posts regarding MD taxes and whether you pay the full amount at the start of the lease, then again when you buy it out on the remaining value. The monthly lease payment is, quite simply, the sum of the monthly depreciation cost and the monthly finance charge. Money factor adds another 12k making total cost to lease around 24k. To get the best deal possible, you need current and accurate information on the rates and incentives offered by the lender. Great way to make some extra cash! Please send any referral the link to my post to save both of us some time. They agreed with my request but the monthly payment in their version is different from what the lease calculator would return as monthly payment. To begin the application process, please proceed to introduce yourself. Hope this helps. California. Hello! I am new here and looking to get a new car for the first time in the US! I want a fun ICE car before everything gets electrified and a RWD. Sep 15, 2023 · Leasehackr Calculator is the most powerful consumer research tool for car leases and car financing. 0019 Residual: 54% DAS: 2500 Monthly: 1348 No loyalty, 2500 do&hellip; Aug 9, 2023 · Lexus currently has a offer for 599/mo 36/10k lease on rz450e. Just buy the damn thing. The next field is Selling Price. No haggling – just sign and drive. At $69,900, however, it’s out of reach for many. To make this data accessible to consumer, we built Rate Findrfor our Super Supporters. 00. Legit. Simple steps to find a deal on the Leasehackr platform. 00102 Here’s all the info from the Quote Sheet: Volvo XC60 B5 AWD Core 7500mi - 36mths Money Factor: . My strategy was to get largest dealer discount before telling them I qualify for a couple more hundreds 🙂 The current MF is at . To get it, search inventory on their website Marketplace. It looks like you are paying over 10% of sales price upfront. Ford doesn’t pass along the $7,500 for EV’s when you lease. Almost half the dealers I spoke with were willing to discount Leasehackr is the web’s largest community dedicated to the art of leasing a car. Discover the latest lease hacks, discuss negotiation tips, chat about cars, and more! Nov 24, 2020 · Both of these RAM 1500 deals have a Leasehackr Score, which is a ratio of the vehicle MSRP to the total cost of the lease, of over 11 years. Is there any way they would combine the two offers or is it too good to be true? Dec 26, 2023 · Newbie here and was using the leasehackr calculator to try and get a score on this “special lease” a local PA Dodge dealership has advertised on a 2024 Dodge Hornet R/T, TOTAL MSRP $46,615. If you are a member of any of those groups, you can access the contracts by: Leasehackr is the largest online community dedicated to the art of car leasing. One pay lease: $6,161. If you play your cards right, one could be leased for around $300 per month with no down payment (a. Pre-Negotiated Deals. First come, first served. Share. mi, usa-nationwide, suv. Selling Price: $49,200. An example of a one percent deal would be $300 per month on a $30,000 car with no more than $1,000 due at lease signing. Feb 21, 2023 · Leasehackr Score: 17. Fords just don’t lease well typically. So let’s fire up the Leasehackr Calculator -- and see how it works. 5K 3K DAS! 🐶 AutoCompanion. Financing it, they’ll only offer $2000 discount, and I figure if they’ll give me $2000 off MSRP +$7500 EV credit for a lease, that’s my Jan 19, 2021 · When we apply this number to the formula, we get a monthly finance charge of $51 per month: ($30,000 + $21,000) * . The dealer pays off the $25,000 lease balance owed to the financial institution. Year, Make, Model, and Trim: 2021 Jeep Wrangler Sahara Unlimited 4xE. The maximum discount is $12,500: $7,500 EV credit: Everyone qualifies. If you believe that you must get out of your lease because of mileage overage: Sep 28, 2022 · Since our founding in 2015, we have observed the difficulty of finding current and accurate information on residual values, rates, and incentives – even though that data is essential to negotiating a fair deal. Got a mustang-mach e for ~5k down / 599/mo in NJ. So if you want to lease a EV or PHEV and want to skirt the NA build requirement for purchases (among other restrictions), you may want to look into one of these models/brands/leasing banks. Agree on a discounted selling price before incentives. 5k MSRP While this is by far the best EQS lease deal we’ve seen (followed by this $749/month deal from @Dany1122 in second place) and is unlikely to be replicable, it does point to the large discounts some Mercedes-Benz Supporters, Super Supporters, and SIGNED! Contributors get access to uploaded SIGNED! contracts. Jan 8, 2024 · The dealer could pay $2,000 to close that lease and add those payments to a new lease (and you would receive a bill for the disposition fee). May 24, 2022 · I am looking to lease a M440 Gran Coupe I asked the dealer for MSRP -3% +$500 loyalty. Dec 12, 2022 · We have seen higher discounts than that on Leasehackr Marketplace, especially on custom-ordered vehicles. Dec 13, 2020 · ABOUT THE AUDI Q3. Nov 3, 2023 · I was looking to lease a 2024 Lexus TX Luxury in the NYC / NJ area. Due At Signing : $ 5229. 5% tax) Drive-Off Amount: $ 388. 25 Term: 36 months / 7. tax. 1. MSRP: $55,525. Learn how to navigate Leasehackr's wealth of resources to hack a lease. Term: 18 months. Instead of building yet another auto loan calculator, we incorporated the Leasehackr approach, which accounts for rebates and the scenario of ending the loan earlyto tap into potential equity and to get a Nov 27, 2023 · Is this a good deal? I had a hard time plugging all the numbers in to match. Join Leasehackr’s business community to advertise your deals on the forum — one of America’s most visited social platforms for car shopping. 2023 Audi Q7 45 TFSI Premium Lease Transfer $829/mo + $3k DAS. Jun 22, 2023 · Two years ago, the Leasehackr team tested the idea of pre-negotiating deals for our readers, so that anyone can get a Leasehackr-worthy deal from sellers trusted by our community. Share Your Deal. Socal/Norcal Toyota + Lexus Purchase and Lease deals. Premium, AWD, standard range, MSRP of ~52K. It looks like a combo purchase/lease offer sheet where the purchase tax is listed. Discover the latest lease hacks, discuss negotiation tips, chat about cars, and more! Everything you need to know Mar 20, 2023 · Signed: 2023 EQS 450 Sedan 4matic $1119 DAS / $447mt ($485 w/tax) Deal Check: 2023 Mercedes EQS SUV 450+ RWD Loaner - TN $109k MSRP, 24/10, $729/mn effective. >> Details. This is the Camry I’ve built on Toyota's website. darylp310 November 27, 2023, 9:24pm 1. Hi Guys, need some help here regarding this lease deal (or more like lack of). Pre-Negotiated Deals is Leasehackr’s signature program to push specific inventory on an as-needed basis. 4 Likes. 00100 = $51. Equityhackr leverages a nationwide network of dealers to buy your car at a competitive price, even for brands that have restricted third-party buyouts, including BMW, Chevrolet, Ford, Honda, Hyundai, Mercedes-Benz, and Nissan. But what is lease equity, and more importantly, how do you calculate the amount of Aug 22, 2023 · Leasehackr Calculator is the most powerful consumer research tool for car leases and car financing. 6. Jan 6, 2023 · 2/3/23: BMW: Confirm $3,000 for i4 35e and $5,000 for iX 50e. Hey everyone. Subaru. Leasing 101LeasehackrSeptember 28, 2022top. Note that existing lessees may be better off cashing out on their positive lease equityinstead Mar 21, 2023 · 1. com May Volkswagen Deals East ID. Feb 1, 2022 · If you’re nearing the end of your lease, don’t simply return the car. They're all legit, you have both dealers and brokers on LH depending on where you are located. Step 3: Depreciation + Finance Charge = Lease Payment. Audi Q5 55 e (PHEV) Audi Q8 e-tron. Crazy High Residuals. 9%) Taxed incentives: 9900 Tax rate: 7. 2/1/23 Subaru: **. com June BMW CA Only - 9-10% off Gas - 11-12% off EV - BUY RATE! A community dedicated to the art of leasing a car. 2. 00225 Lease 36/10 Monthly - 596$ Das - 3444$ (First month, acquisition, dealer and government fees) Incentives - 8500$ (ev credit and new grad) SIGNED! is a grassroots project that crowdsources database of car lease and purchase contracts for everyone to learn and reference. 41%) Residual - 55% MF - . 5% w/Buy Rate MF $399 Fee Oct 10, 2023 · The F-150 lightning reddit and f-150 lightning owners forum both have good info, but sounds like most have purchased vs leased. 2024 Cadillac Lyriq Sport 1 AWD MSRP: $66,690 Lease Term: 24 Months Monthly Price: $660 Total Out of Pocket: $2,500 plus registration They are also offering me: 2024 Cadillac Lyriq Luxury 1 AWD MSRP: $66,585 Lease Term: 24 Months Monthly Price: $645 Apr 5, 2024 · 189 likes. jonathan0303 December 30, 2022, 4:46am 1. 00102 (no MSD yet. mllcb42 March 3, 2022, 1:41am 12. Compare. Leasehackr produces independent, original content such as Leasing 101and Editor’s FORUM | LEASEHACKR Topic Replies Views Activity; Signed! New 2024 Porsche Taycan Cross Turismo 4S/$155k MSRP/$717 Base Monthly w/$2800 DAS But…Ended Up Being $0 DAS!?! Nov 27, 2023 · Ask the Hackrs. You get a $2,000 check for the lease equity in your car. Understand your deal straight from your contract. The MF is ridiculously marked up. ABOUT LEASEHACKR. BMW. Honda. The MSRP in ~$49000 with no discounts/incentives as its a new car (no offence to fans but I just wont lease the 2020…never liked it). To onboard as a Pre Jan 7, 2024 · Your lease equity is the difference between the current lease payoff amount and the price you sell the car for. Jun 26, 2023 · Hey all - first time doing this - never leased a car. After much back and forth, got the dealer to land on the numbers below. Lucid offers a $5,000 on-site vehicle bonus through 4/30/24. Mileage: 10000 miles / year. while they end up with $969 and $1053 incl. BMW Financial Services. The ALN team handles the auto leasing Oct 16, 2022 · Jeep Wrangler has been a favorite of the Leasehackr community for the past two years, and for good reason — it continues to be one of the few lease “hacks” available during the car shortage. Monthly payment: $800 mileage: 12k (i don’t know MF) Term: 42 months residual (52% I &hellip; SIGNED! Deal of the Month: $158K Audi RS e-tron GT Leased for $897/Month. nc. Oct 10, 2020 · STEP ONE - MSRP AND SELLING PRICE. 42% Doc Fee: 399 Title Fee: 14. Equityhackr works for nearly all makes and models, including vehicles Dec 30, 2022 · Ask the Hackrs. Jul 18, 2022 · As mentioned earlier, 2022 Bolt EV and Bolt EUV get $5,900and $6,300in customer cash respectively—but only for purchases, not leases. Each business application will be reviewed qualitatively, including the business’s commitment to serving the Leasehackr community. Lucid Air is the longest range, fastest charging, quickest accelerating, and most spacious electric sedan you can buy. Audi e-tron GT. Trending Leasehackr February 20, 2023 Tesla, EV, Model 3, bottom Signed! $111K Audi e-tron GT for $845/Month and $3,655 Drive-Off Trending Leasehackr February 16, 2023 Audi , e-tron , bottom Apr 19, 2020 · One of the more common posts we see here are from people trying to utilize the LH Calculator and struggling to get the correct numbers. Deal Check: 2023 EQS 450+ SUV First timer. MY 2021 orders have ended; only MY 2022 Wranglers can be ordered. May 2, 2024 · :dog: AutoCompanion. Effectively. Mar 5, 2023 · Custom Order 2023 BMW i4 edrive35 Msrp - 57570$ Sell price - 54445 (5. gr ir tj on sp yi mu xm ty ic