Bankruptcy should be seen as the last resort for people who have got themselves into too much debt. It may seem the answer to all your prayers but bankruptcy is only able to solve certain debt issues. Remember, if you have filed for bankruptcy you may find it difficult to obtain credit in the future unless your bankruptcy has been cleared, or discharged for a number of years.
Bankruptcy is very good for wiping out credit card debt. Unless you have a special secured credit card, your credit card balance is an unsecured debt. That means that the credit card company has no hold on anything that belongs to you if you do not pay back your debt. This is specifically the kind of debt that bankruptcy is designed to remove. Apart from credit card debt, you may have other unsecured debts, and bankruptcy can eradicate these as well. However, bankruptcy will not discharge your obligations to some other kinds of debts, including child support, alimony, tax debts, student loans, and any secured debts.
If you are reading this then the chances are that you are considering filing for bankruptcy. Your debts have got to the point where you cannot afford the monthly payments that your creditors are demanding. However, there are numerous bankruptcy alternatives. The most important thing is not to panic and to sit down and look at your financial situation.
If you reach the stage where you are in so much debt that you are considering bankruptcy then there are a number of measures that you can take to avoid bankruptcy. Firstly, you should cut up all of your credit cards. This may seem drastic, but it is the only way to avoid bankruptcy by guaranteeing that you do not increase your level of debt by charging more onto your credit cards.
All lenders would prefer to receive some money rather than none at all and when you file for bankruptcy a number of your creditors will receive little or none of the proceeds. This is especially the case with your unsecured loans, such as credit cards. You should contact all of the people that you owe money to and explain the situation. Most will work out a repayment schedule with you as a bankruptcy alternative, giving you longer to pay off what you owe and sometimes even freezing the interest.
Monday, March 7, 2011
Sunday, March 6, 2011
Ease Your Earning, Earn Faster
Earning more is the most fundamental way to reach financial freedom. You can save more. You can invest more wisely. However, all those will only be more useful if you earn more.
I can't stress this enough. It is very important to earn more money if you want to reach faster financial freedom.
Making more money is one of the surest ways to gain happiness. Not only that, women prefer the rich.
There is only one way where you can't go wrong in attracting women. Make as much money as possible. Now don't get me wrong. There could be better ways, but all the other ways can go wrong.
In 2000, I was homeless. I didn't have a place to live. I ate once a day. After months of managing to scrap $1,000 as an initial capital, I bought a computer. Within one and a half years, I was making a few thousands residual income per month. Within three years, I was able to multiply that amount and make more and more residual income per month that I didn't need to work anymore.
However, my income went stagnant. It didn't grow for years. Sometimes I find new techniques to make money. But the new techniques only work when the old business crumbles.
Then I found out what's wrong and I saw the end of the tunnel again.
Knowing Earlier Adapt Earlier
If only I didn't have to wait six years to see the tunnel, then my small business would have grown much faster. That's why I make this website. To save you six years of trial-and-error experience.
Many business gurus, with less track records than I have, will charge you $100/hour for this type of advice. Well, here, in my website, I'll give you all these for free because capitalism is in abundance.
I also provide many tutorials for newbies that want to try the Internet business. That's because I want as many people as possible to get rich through capitalism.
If enough people are tempted to embrace capitalistic greed, then most social problems will go away because the government's intervention will have much less support and then become less. Not only that, I'd like to see that you're rich.
Huge amount of wealth comes from sharing. The more benefit you give to other people, the more they stick to you. The more people stick to you, the more money you make. I learned this from a multi millionaire.
I can't stress this enough. It is very important to earn more money if you want to reach faster financial freedom.
Making more money is one of the surest ways to gain happiness. Not only that, women prefer the rich.
There is only one way where you can't go wrong in attracting women. Make as much money as possible. Now don't get me wrong. There could be better ways, but all the other ways can go wrong.
In 2000, I was homeless. I didn't have a place to live. I ate once a day. After months of managing to scrap $1,000 as an initial capital, I bought a computer. Within one and a half years, I was making a few thousands residual income per month. Within three years, I was able to multiply that amount and make more and more residual income per month that I didn't need to work anymore.
However, my income went stagnant. It didn't grow for years. Sometimes I find new techniques to make money. But the new techniques only work when the old business crumbles.
Then I found out what's wrong and I saw the end of the tunnel again.
Knowing Earlier Adapt Earlier
If only I didn't have to wait six years to see the tunnel, then my small business would have grown much faster. That's why I make this website. To save you six years of trial-and-error experience.
Many business gurus, with less track records than I have, will charge you $100/hour for this type of advice. Well, here, in my website, I'll give you all these for free because capitalism is in abundance.
I also provide many tutorials for newbies that want to try the Internet business. That's because I want as many people as possible to get rich through capitalism.
If enough people are tempted to embrace capitalistic greed, then most social problems will go away because the government's intervention will have much less support and then become less. Not only that, I'd like to see that you're rich.
Huge amount of wealth comes from sharing. The more benefit you give to other people, the more they stick to you. The more people stick to you, the more money you make. I learned this from a multi millionaire.
Saturday, March 5, 2011
Early Retirement: What You Should Know
For many reasons, more and more people are opting to retire at an early age. The growing trend for the retirement is based on the fact that people are enticed to retire early than continue working and wait until they reach their retirement age of 65.
In fact, most of the surveys conducted in the United States asserted that 60% of the respondents would love to retire at an early age.
In reality, there are many benefits that people can derive when they retire early. However, there are also many consequences that result from early retirement. What they do not know is that early retirement has the potential of bringing more problems than reaping in benefits and advantages.
Here is a list of some of the reasons why retiring early can be a pretty risky activity.
1. Not in accordance with the regulations of Social Security
When people will retire at an early age, there is a great possibility that they cannot immediately obtain their Social Security benefits. This is because according to the rules and regulations of Social Security, anyone who is born after 1938 will have to wait longer than their retirement age of 65 before they can get their benefits.
Hence, early retirement may only contribute to a negative upshot if the older people’s finances where not managed properly and the only thing they expect to help them are the Social Security benefits they can get.
2. If people who took early retirement get sick, they cannot acquire some Medicare benefits.
This is because the age when people can get their Medicare benefits is when they already turn 65. Hence, if they are hospitalized and they have already filed for their early retirement, they have to obtain the necessary amount of money in order to cover the expenses in the hospital without Medicare.
3. Penalty charges apply to those who retired early and had withdrawn their IRAs early.
For people who would like to retire at an early age and wish to obtain their IRAs, they have to face a hefty 10% penalty charge.
Moreover, experts contend that the nest egg of people who wish to retire early is only 80% of what they should be getting when they retire at the age of 65.
The bottom line is that early retirement is, indeed, a personal choice and preference of an individual but one must consider the factors that may affect their life in the end.
In fact, most of the surveys conducted in the United States asserted that 60% of the respondents would love to retire at an early age.
In reality, there are many benefits that people can derive when they retire early. However, there are also many consequences that result from early retirement. What they do not know is that early retirement has the potential of bringing more problems than reaping in benefits and advantages.
Here is a list of some of the reasons why retiring early can be a pretty risky activity.
1. Not in accordance with the regulations of Social Security
When people will retire at an early age, there is a great possibility that they cannot immediately obtain their Social Security benefits. This is because according to the rules and regulations of Social Security, anyone who is born after 1938 will have to wait longer than their retirement age of 65 before they can get their benefits.
Hence, early retirement may only contribute to a negative upshot if the older people’s finances where not managed properly and the only thing they expect to help them are the Social Security benefits they can get.
2. If people who took early retirement get sick, they cannot acquire some Medicare benefits.
This is because the age when people can get their Medicare benefits is when they already turn 65. Hence, if they are hospitalized and they have already filed for their early retirement, they have to obtain the necessary amount of money in order to cover the expenses in the hospital without Medicare.
3. Penalty charges apply to those who retired early and had withdrawn their IRAs early.
For people who would like to retire at an early age and wish to obtain their IRAs, they have to face a hefty 10% penalty charge.
Moreover, experts contend that the nest egg of people who wish to retire early is only 80% of what they should be getting when they retire at the age of 65.
The bottom line is that early retirement is, indeed, a personal choice and preference of an individual but one must consider the factors that may affect their life in the end.
Friday, March 4, 2011
Dxinone System: Is This The Biggest Scam Ever Invented?
Is the dxinone system the biggest scam invented? These are the questions some people ask themselves before they get started on ecurrency exchange.
The system by itself is rather complex to learn, you have to open several accounts, and once you do you have to manage your investment properly so you always maximize your profits. This is the main reason why some people claim the system is a scam, they don't know how it works.
Me, personally, I laugh whenever I hear about people saying some of the things they do. To them the world is always falling apart, yet, the dxinone system has been online for more than four years making all of it's traders good money. For example, I recently heard about a woman who started working with the system with $1,000 dollars, after seeing that it was growing, she took a chance and decided to invest $6,000 more. This was around 18 months ago, today, her portfolio is around the $300,000 mark. She already took her profits out (and much more) and she now has a no risk investment.
Some people will say that those amounts are too much money. I would agree, to some people starting with $6,000 or $10,000 dollars is too much money. This was the main reason when I started a campaign for everyone to see at my site, I started it with a 315 dollar investment. This was seven days ago, and today, my campaign has had a 54% return of investment. I don't know about you, but I would consider this to be getting a great return on my money.
There is indeed very good money to be made, and like someone told me when I was first starting with my main dxinone system campaign
"Start with the system today, don't waste your time because time is money. Let your money grow for a few months, and by the end of the year the dxinone system could easily be paying for your living expenses"
Learn about the ecurrency system properly, so you avoid those people who say it's a scam because of their ignorance, and you actually will have found a profitable opportunity that makes good money for you without much work.
There are two ways to get started: The fast way, you get a training program, you learn from it and in a couple of days you are up to speed on how the system actually works, although this takes money, there is no learning curve and you get support.
Number two, finding free resources online where you can learn from. This will be free, but it may take a while for you to find and process the right information to get started. Look at your current situation, and see if what is the best option for you, I'm sure that if you do get started, you will not be one of those people who were left out and now claim it's a "scam" because they never did the system for themselves and just believed the hype out there.
The system by itself is rather complex to learn, you have to open several accounts, and once you do you have to manage your investment properly so you always maximize your profits. This is the main reason why some people claim the system is a scam, they don't know how it works.
Me, personally, I laugh whenever I hear about people saying some of the things they do. To them the world is always falling apart, yet, the dxinone system has been online for more than four years making all of it's traders good money. For example, I recently heard about a woman who started working with the system with $1,000 dollars, after seeing that it was growing, she took a chance and decided to invest $6,000 more. This was around 18 months ago, today, her portfolio is around the $300,000 mark. She already took her profits out (and much more) and she now has a no risk investment.
Some people will say that those amounts are too much money. I would agree, to some people starting with $6,000 or $10,000 dollars is too much money. This was the main reason when I started a campaign for everyone to see at my site, I started it with a 315 dollar investment. This was seven days ago, and today, my campaign has had a 54% return of investment. I don't know about you, but I would consider this to be getting a great return on my money.
There is indeed very good money to be made, and like someone told me when I was first starting with my main dxinone system campaign
"Start with the system today, don't waste your time because time is money. Let your money grow for a few months, and by the end of the year the dxinone system could easily be paying for your living expenses"
Learn about the ecurrency system properly, so you avoid those people who say it's a scam because of their ignorance, and you actually will have found a profitable opportunity that makes good money for you without much work.
There are two ways to get started: The fast way, you get a training program, you learn from it and in a couple of days you are up to speed on how the system actually works, although this takes money, there is no learning curve and you get support.
Number two, finding free resources online where you can learn from. This will be free, but it may take a while for you to find and process the right information to get started. Look at your current situation, and see if what is the best option for you, I'm sure that if you do get started, you will not be one of those people who were left out and now claim it's a "scam" because they never did the system for themselves and just believed the hype out there.
Thursday, March 3, 2011
Dxinone E Currency Trading Review
If you are just starting to learn about this dxinone trading system, it's normal for someone who is just learning about it to be feeling confused about how the opportunity works.
I personally recommend this sytem, and although it's an amazing investment strategy, Here are some tips when starting the dxinone system:
-When you're getting started, don't invest everything you have, and don't invest next to nothing. The reason I suggest investing a balanced amount: to make it worth your time. Don't go overboard because you may require the money for an emergency, and the dxinone system takes a few weeks to process your profits back into your pocket. Don't invest next to nothing either cause your portfolio will take to much time to grow.
-Learn about how the dxinone system works before jumping in without the proper knowledge. I hear about it all the time: (in whining voice) "the dxinone system is just a big scam, I haven't gotten my money out". Again, this is due to ignorance about the system, because anyone who is successful with this sytem knows that it takes several weeks to process your outexchanges.
-If you want to make serious money, disconnect your mind from the fluff and the negative people. Let me illustrate this point with an example. Seven days ago I started a dxinone campaign to track the live progress to show the visitors of my site. In total, after the fees and my investment, I spent $315 dollars. Today, seven days after starting my campaign, my investment has grown to $485.19. This means that in 7 days I've had a 54% return on my investment. In my book, this is what I call a good investment. Yet, there are still many negative people who haven't tried the system for themselves who will talk you out of it because to them it's impossible to find an opportunity were you don't have to suffer to make good money.
-There are good dxinone strategies you can follow, and there are great strategies you can follow. For begginers, I always give the following advice: If you want to learn fast and start the system fast, get yourself a dxinone training program by a professional, it's going to cost you some money, but you'll see results faster. If you don't have the money to buy a course, make sure you research websites with free content, but keep in mind you will be on your own. This will require more of your time and you will have a learning curve to go through while you learn but you'll save a few hundred dollars from getting a course. It's completely dependant upon you and your current financial situation.
In summary, I can share with you my experience: If you are doing the dxinone system properly, you will certainly make good money from your investment. My advice for newbies is always: "Put your money in, let it grow, take the money you invested out, and let your profits grow by themselves without any risk". This is what I say, and be careful about listening from advice from people who aren't doing the system themselves, they usually sound very convicing, and they easily spread their fears to other people. Don't let this fool you, try the dxinone system for yourself, and then make your observations (which I think you will be pleasantly surprised from), not the other way around.
Of course this is a small amount, but an investment in the dxinone system is equivalent if you invest $315 than if you invest $3150, your profit percentage would be the same.
I personally recommend this sytem, and although it's an amazing investment strategy, Here are some tips when starting the dxinone system:
-When you're getting started, don't invest everything you have, and don't invest next to nothing. The reason I suggest investing a balanced amount: to make it worth your time. Don't go overboard because you may require the money for an emergency, and the dxinone system takes a few weeks to process your profits back into your pocket. Don't invest next to nothing either cause your portfolio will take to much time to grow.
-Learn about how the dxinone system works before jumping in without the proper knowledge. I hear about it all the time: (in whining voice) "the dxinone system is just a big scam, I haven't gotten my money out". Again, this is due to ignorance about the system, because anyone who is successful with this sytem knows that it takes several weeks to process your outexchanges.
-If you want to make serious money, disconnect your mind from the fluff and the negative people. Let me illustrate this point with an example. Seven days ago I started a dxinone campaign to track the live progress to show the visitors of my site. In total, after the fees and my investment, I spent $315 dollars. Today, seven days after starting my campaign, my investment has grown to $485.19. This means that in 7 days I've had a 54% return on my investment. In my book, this is what I call a good investment. Yet, there are still many negative people who haven't tried the system for themselves who will talk you out of it because to them it's impossible to find an opportunity were you don't have to suffer to make good money.
-There are good dxinone strategies you can follow, and there are great strategies you can follow. For begginers, I always give the following advice: If you want to learn fast and start the system fast, get yourself a dxinone training program by a professional, it's going to cost you some money, but you'll see results faster. If you don't have the money to buy a course, make sure you research websites with free content, but keep in mind you will be on your own. This will require more of your time and you will have a learning curve to go through while you learn but you'll save a few hundred dollars from getting a course. It's completely dependant upon you and your current financial situation.
In summary, I can share with you my experience: If you are doing the dxinone system properly, you will certainly make good money from your investment. My advice for newbies is always: "Put your money in, let it grow, take the money you invested out, and let your profits grow by themselves without any risk". This is what I say, and be careful about listening from advice from people who aren't doing the system themselves, they usually sound very convicing, and they easily spread their fears to other people. Don't let this fool you, try the dxinone system for yourself, and then make your observations (which I think you will be pleasantly surprised from), not the other way around.
Of course this is a small amount, but an investment in the dxinone system is equivalent if you invest $315 than if you invest $3150, your profit percentage would be the same.
Wednesday, March 2, 2011
Drillers Hope to Strike It Rich With Old Oil Wells
Exploration firms are finding that reopening oil wells that have long been closed may help decrease the crude oil shortages.
For example, Desdemona, Texas, which was booming with oil production in the early 1900s, once was one of the largest oil producers in the region.
Unfortunately, the town's heyday ended almost as fast as it started due to some of the oil wells drying up. Its production of 7.3 million barrels of oil per year was rapidly depleted. Production plunged to under 2.5 million barrels within two years.
But thanks to enhanced oil recovery techniques such as waterflooding (the injection of water into an oil reservoir to recover its petroleum) old wells in Desdemona are experiencing a rebirth and will be converted into producing and injection wells.
This also is true for good producing wells that were capped in the early to mid-1990s in the Appalachian Basin region. Research by Mammoth Resource Partners, Inc., a Kentucky-based oil and gas exploration company, found that many landowners and small oil companies were unable to maintain these wells at the low oil prices they were being offered.
Given the current worldwide oil crisis, many experts agree that state-of-the-art technology is a key component for companies who want to reopen closed oil fields. Dr. Roger L. Cory, President of Mammoth Resource Partners, Inc., says that a healthy dose of optimism and expertise will help as well.
"With the dramatic increase in the price of crude oil and the cutting edge technological advancements that Mammoth Field Services (the drilling arm of Mammoth Resource Partners, Inc.) employs, many of these wells that had been capped have become outstanding producers and a profitable venture for our partners," said Cory.
For example, Desdemona, Texas, which was booming with oil production in the early 1900s, once was one of the largest oil producers in the region.
Unfortunately, the town's heyday ended almost as fast as it started due to some of the oil wells drying up. Its production of 7.3 million barrels of oil per year was rapidly depleted. Production plunged to under 2.5 million barrels within two years.
But thanks to enhanced oil recovery techniques such as waterflooding (the injection of water into an oil reservoir to recover its petroleum) old wells in Desdemona are experiencing a rebirth and will be converted into producing and injection wells.
This also is true for good producing wells that were capped in the early to mid-1990s in the Appalachian Basin region. Research by Mammoth Resource Partners, Inc., a Kentucky-based oil and gas exploration company, found that many landowners and small oil companies were unable to maintain these wells at the low oil prices they were being offered.
Given the current worldwide oil crisis, many experts agree that state-of-the-art technology is a key component for companies who want to reopen closed oil fields. Dr. Roger L. Cory, President of Mammoth Resource Partners, Inc., says that a healthy dose of optimism and expertise will help as well.
"With the dramatic increase in the price of crude oil and the cutting edge technological advancements that Mammoth Field Services (the drilling arm of Mammoth Resource Partners, Inc.) employs, many of these wells that had been capped have become outstanding producers and a profitable venture for our partners," said Cory.
Tuesday, March 1, 2011
Drafting a will
As one progresses to the threshold of old age, worries and anxieties seem to grip more tightly. Not a second goes when the thought of one’s family especially children take a leave. The very thought of what will happen next clutches the person and this makes his present life a bundle of misery. However, there is a way out to all these tensions and to bathe in perfect bliss, to draft or make your Will.
Often the thought of making a will seems perturbing to people. They think that they are and will be present to settle all the monetary and other issues. But, the fact is that life is no one’s best friend. It can betray anyone at any time; it is too precarious to be trusted upon. So, one should avoid taking risks and plan a Will at the right time.
There are several merits to making a will-
• Allows you to follow your choice—whatever you have accumulated throughout your life should not at the end be at the discretion of others. You should govern the decision that who will what and how much, after all it is your money and property that you propose to be divided amongst your beneficiaries.
• Good Bye disputes—‘Money makes the Mare go’…it is right that the glimmer of wealth can make anybody blind. Most often the unplanned assets are a source of argument amongst the family members for everyone claims to maximum share of it. But if the allocation is pre decided through a Will, there is no scope for all these uninvited and execrated quarrels.
• The Veiled reaches the Safe Hands—there are certain secret riches or assets that people do not disclose even to their nearest ones during their lifetime. This can be due to many personal reasons. However, you cannot be a guard to these clandestine possessions always. So, through a will it is better to assign them to your closest ones so that they can enjoy the fruits of your prudence and sweat.
• Can replace tears with smiles—a properly formulated Will that takes care of all your near and dear ones, is certainly a delight to them. They revere and miss you all the more for you decided to fulfill their priorities and wishes even in your absence .
• Last but not the least, Wills are not just meant to benefit your survivors after your death but they can take care of your present life also like the Living Will that is a great help in case of any accident or unforeseen trouble.
The Other Key Points
• Any 18 year old or above can draft a Will. But Wills are actually meaningful in case of adults from 30 to 35 onwards.
• There are different types of Wills and so separate ways to draft them. Before formulating a Will, you should know your desires and requirements.
i) Holographic Wills- a legal document handwritten by the Testator and also signed in their hand this Will is largely meant in case of intricate family situation and huge assets.
ii) Legal Will- is that document which is signed by two witnesses and is prepared by a lawyer according to the needs of the testator.
iii) Living Wills-those that give you the opportunity to the kind of medical care and assistance in case of crisis like accident.
iv) Self –Proved Will- has certain terms and conditions forwarded by the State. This Will need not be handwritten but requires the signature of the testator along with the witnesses.
v) Ethical Wills- not a legal Will but a personal assessment of one’s values, beliefs etc. among several other things.
vi) Living Trusts
• These different Wills have respective ways to formulate them and other requirements like choosing an executor, witness, attorneys etc. once you make up your mind for the kind of Will you are looking forward depending on your interest and wishes, it is better to consult any an attorney to know its details. Draft a Will only when you are acquainted with all the particulars of it.
• Take some time to think about the beneficiaries, executor and the assets you want to be included etc. Never rush into things. Remember your carefulness is a means to your happiness.
Often the thought of making a will seems perturbing to people. They think that they are and will be present to settle all the monetary and other issues. But, the fact is that life is no one’s best friend. It can betray anyone at any time; it is too precarious to be trusted upon. So, one should avoid taking risks and plan a Will at the right time.
There are several merits to making a will-
• Allows you to follow your choice—whatever you have accumulated throughout your life should not at the end be at the discretion of others. You should govern the decision that who will what and how much, after all it is your money and property that you propose to be divided amongst your beneficiaries.
• Good Bye disputes—‘Money makes the Mare go’…it is right that the glimmer of wealth can make anybody blind. Most often the unplanned assets are a source of argument amongst the family members for everyone claims to maximum share of it. But if the allocation is pre decided through a Will, there is no scope for all these uninvited and execrated quarrels.
• The Veiled reaches the Safe Hands—there are certain secret riches or assets that people do not disclose even to their nearest ones during their lifetime. This can be due to many personal reasons. However, you cannot be a guard to these clandestine possessions always. So, through a will it is better to assign them to your closest ones so that they can enjoy the fruits of your prudence and sweat.
• Can replace tears with smiles—a properly formulated Will that takes care of all your near and dear ones, is certainly a delight to them. They revere and miss you all the more for you decided to fulfill their priorities and wishes even in your absence .
• Last but not the least, Wills are not just meant to benefit your survivors after your death but they can take care of your present life also like the Living Will that is a great help in case of any accident or unforeseen trouble.
The Other Key Points
• Any 18 year old or above can draft a Will. But Wills are actually meaningful in case of adults from 30 to 35 onwards.
• There are different types of Wills and so separate ways to draft them. Before formulating a Will, you should know your desires and requirements.
i) Holographic Wills- a legal document handwritten by the Testator and also signed in their hand this Will is largely meant in case of intricate family situation and huge assets.
ii) Legal Will- is that document which is signed by two witnesses and is prepared by a lawyer according to the needs of the testator.
iii) Living Wills-those that give you the opportunity to the kind of medical care and assistance in case of crisis like accident.
iv) Self –Proved Will- has certain terms and conditions forwarded by the State. This Will need not be handwritten but requires the signature of the testator along with the witnesses.
v) Ethical Wills- not a legal Will but a personal assessment of one’s values, beliefs etc. among several other things.
vi) Living Trusts
• These different Wills have respective ways to formulate them and other requirements like choosing an executor, witness, attorneys etc. once you make up your mind for the kind of Will you are looking forward depending on your interest and wishes, it is better to consult any an attorney to know its details. Draft a Will only when you are acquainted with all the particulars of it.
• Take some time to think about the beneficiaries, executor and the assets you want to be included etc. Never rush into things. Remember your carefulness is a means to your happiness.
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