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Finance question..
Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage
rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. -- John H |
Finance question..
JohnH wrote:
Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. Do you have taxable income? Do you itemize? The 5.25% mortgage is not really 5.25%, it could be as low as 3.5% when taxes are taken into account. It is easier to cash in a CD for unexpected expenses than it is to get a mortgage on a house to raise the money that your CD currently has. Just some thoughts. |
Finance question..
BAR wrote:
JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. Do you have taxable income? Do you itemize? The 5.25% mortgage is not really 5.25%, it could be as low as 3.5% when taxes are taken into account. It is easier to cash in a CD for unexpected expenses than it is to get a mortgage on a house to raise the money that your CD currently has. Just some thoughts. Maybe herring could buy some golf lessons... -- Birther-Deather-Tenther-Teabagger: Idiots All |
Finance question..
"BAR" wrote in message
... JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. Do you have taxable income? Do you itemize? The 5.25% mortgage is not really 5.25%, it could be as low as 3.5% when taxes are taken into account. It is easier to cash in a CD for unexpected expenses than it is to get a mortgage on a house to raise the money that your CD currently has. Just some thoughts. It's hard to make a judgement without knowing the full story. I'd suggest a CPA tax accountant. You could also talk to a Fidelity consultant, although they are of limited value when making actual recommendations. I wouldn't rush to pay off an affordable mortgage, but you could make an extra payment to pay it off faster. -- Nom=de=Plume |
Finance question..
JohnH wrote:
Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. -- John H What? You didn't get your mortgage expunged in the last go round? You must have had too much equity. |
Finance question..
On Thu, 17 Sep 2009 06:53:29 -0400, JohnH
wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. There is a strong probability that we will be heading into a highly inflationary economy some time in the next few years. If so, 5% mortgages of any kind will be totally unobtainable and cash will be trash. I'd consider splitting the cash between two exchange traded funds: TIP (Inflation protected treasury notes), and GLD, a gold fund. For high current income and inflation protection consider LINE (Linn Energy), currently yielding 11.6% and with a *lot* of oil in the ground. http://finance.yahoo.com/q?s=TIP http://finance.yahoo.com/q?s=gld http://finance.yahoo.com/q?s=LINE |
Finance question..
On Thu, 17 Sep 2009 08:11:17 -0400, BAR wrote:
JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. Do you have taxable income? Do you itemize? The 5.25% mortgage is not really 5.25%, it could be as low as 3.5% when taxes are taken into account. It is easier to cash in a CD for unexpected expenses than it is to get a mortgage on a house to raise the money that your CD currently has. Just some thoughts. True, the interest is deductible. On the other hand, the earned interest is taxable. I've considered the 'unexpected expenses' scenario, and it's not a player in the decision. Thanks for the thoughts, Bert. -- John H |
Finance question..
On Thu, 17 Sep 2009 10:48:22 -0400, Jim wrote:
JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. -- John H What? You didn't get your mortgage expunged in the last go round? You must have had too much equity. Yes. I couldn't 'HONK' cause someone was paying off my mortgage. Damn, blew it again. -- John H |
Finance question..
On Thu, 17 Sep 2009 06:07:37 -0700, "nom=de=plume"
wrote: "BAR" wrote in message m... JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. Do you have taxable income? Do you itemize? The 5.25% mortgage is not really 5.25%, it could be as low as 3.5% when taxes are taken into account. It is easier to cash in a CD for unexpected expenses than it is to get a mortgage on a house to raise the money that your CD currently has. Just some thoughts. It's hard to make a judgement without knowing the full story. I'd suggest a CPA tax accountant. You could also talk to a Fidelity consultant, although they are of limited value when making actual recommendations. I wouldn't rush to pay off an affordable mortgage, but you could make an extra payment to pay it off faster. Well, I don't ask the 'financial manager' types, 'cause they'd tell me to invest the CD proceeds in stocks, or whatever. The CPA idea is good, but many of the folks here are much better. -- John H |
Finance question..
On Thu, 17 Sep 2009 13:31:45 -0400, Wayne.B
wrote: On Thu, 17 Sep 2009 06:53:29 -0400, JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. There is a strong probability that we will be heading into a highly inflationary economy some time in the next few years. If so, 5% mortgages of any kind will be totally unobtainable and cash will be trash. I'd consider splitting the cash between two exchange traded funds: TIP (Inflation protected treasury notes), and GLD, a gold fund. For high current income and inflation protection consider LINE (Linn Energy), currently yielding 11.6% and with a *lot* of oil in the ground. http://finance.yahoo.com/q?s=TIP http://finance.yahoo.com/q?s=gld http://finance.yahoo.com/q?s=LINE Thanks, Wayne. Right now I'm not interested in putting more into the market. This is purely a CD vs mortgage decision. -- John H |
Finance question..
On Thu, 17 Sep 2009 15:10:39 -0400, JohnH
wrote: Thanks, Wayne. Right now I'm not interested in putting more into the market. This is purely a CD vs mortgage decision. Why a CD, what could be more secure than inflation protected treasury notes? |
Finance question..
"JohnH" wrote in message
... On Thu, 17 Sep 2009 06:07:37 -0700, "nom=de=plume" wrote: "BAR" wrote in message om... JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. Do you have taxable income? Do you itemize? The 5.25% mortgage is not really 5.25%, it could be as low as 3.5% when taxes are taken into account. It is easier to cash in a CD for unexpected expenses than it is to get a mortgage on a house to raise the money that your CD currently has. Just some thoughts. It's hard to make a judgement without knowing the full story. I'd suggest a CPA tax accountant. You could also talk to a Fidelity consultant, although they are of limited value when making actual recommendations. I wouldn't rush to pay off an affordable mortgage, but you could make an extra payment to pay it off faster. Well, I don't ask the 'financial manager' types, 'cause they'd tell me to invest the CD proceeds in stocks, or whatever. The CPA idea is good, but many of the folks here are much better. -- John H Anonymously on Usenet? Well, you pays your money, you makes your choice. -- Nom=de=Plume |
Finance question..
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Finance question..
On Thu, 17 Sep 2009 16:19:23 -0400, Wayne.B
wrote: On Thu, 17 Sep 2009 15:10:39 -0400, JohnH wrote: Thanks, Wayne. Right now I'm not interested in putting more into the market. This is purely a CD vs mortgage decision. Why a CD, what could be more secure than inflation protected treasury notes? No reason. Lack of knowledge about the notes. I'll go back to that site and learn more. When I first looked, I thought it was some sort of equity. -- John H |
Finance question..
On Thu, 17 Sep 2009 18:09:42 -0400, JohnH
wrote: No reason. Lack of knowledge about the notes. I'll go back to that site and learn more. When I first looked, I thought it was some sort of equity. There are two ways to buy inflation protected treasuries. You can buy the actual note like any other government debt instrument, or you can buy an exchange traded fund (ETF - TIP) that holds them. TIP is more convenient for most people since it trades like a stock even though it is actually a fund. Your stock broker can give you more information. |
Finance question..
On Thu, 17 Sep 2009 19:28:05 -0400, Wayne.B
wrote: On Thu, 17 Sep 2009 18:09:42 -0400, JohnH wrote: No reason. Lack of knowledge about the notes. I'll go back to that site and learn more. When I first looked, I thought it was some sort of equity. There are two ways to buy inflation protected treasuries. You can buy the actual note like any other government debt instrument, or you can buy an exchange traded fund (ETF - TIP) that holds them. TIP is more convenient for most people since it trades like a stock even though it is actually a fund. Your stock broker can give you more information. Thanks, I'll give him a call next week. We're doing Gettysburg this weekend. -- John H |
Finance question..
wrote in message ... On Thu, 17 Sep 2009 06:53:29 -0400, JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. I think BAR put his finger on it. If you itemize it is probably a wash. Otherwise I would pay off the mortgage. I would buy some good dividend paying stocks. Or General Obligation Muni Bonds. Depending where you live you can get 5+ percent bonds. Not Revenue bonds, but G.O's. |
Finance question..
"Wayne.B" wrote in message ... On Thu, 17 Sep 2009 06:53:29 -0400, JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. There is a strong probability that we will be heading into a highly inflationary economy some time in the next few years. If so, 5% mortgages of any kind will be totally unobtainable and cash will be trash. I'd consider splitting the cash between two exchange traded funds: TIP (Inflation protected treasury notes), and GLD, a gold fund. For high current income and inflation protection consider LINE (Linn Energy), currently yielding 11.6% and with a *lot* of oil in the ground. http://finance.yahoo.com/q?s=TIP http://finance.yahoo.com/q?s=gld http://finance.yahoo.com/q?s=LINE I was going to have him look at LINE also, but he said no stocks. |
Finance question..
On Thu, 17 Sep 2009 21:37:53 -0700, "Bill McKee"
wrote: I was going to have him look at LINE also, but he said no stocks. I know but I really like the company and it's been good to me - may buy more before inflation really kicks in. |
Finance question..
On Thu, 17 Sep 2009 20:07:37 -0400, D 2 wrote:
JohnH wrote: On Thu, 17 Sep 2009 15:48:45 -0400, wrote: On Thu, 17 Sep 2009 15:10:39 -0400, JohnH wrote: Thanks, Wayne. Right now I'm not interested in putting more into the market. This is purely a CD vs mortgage decision. It is really even simpler than that. You are betting CD vs real estate. Personally I like the security of not having a mortgage. One less bill I have to pay. I think a lot is psychological. I also like the idea of not sending the money to the mortgage company each month. I'd rather be sending it to my savings or investments. 'Course, I'd probably end up with a new motorcycle! -- John H German this time? Probably not. I like the BMW, but I also like the Honda ST1300. Looks wise there's not much difference: http://www.motorcyclistonline.com/20.../05/index.html http://www.bmwmotorcycles.com/us/en/..._thumbnail.jpg Costwise, the BMW is about $3K more than the Honda. Reliability/serviceability wise, I'd have to do some serious reviewing. Lastly, there's 'people-wise'. The Moto Guzzi crowd is a great group of people. Attending MG rallies is always like old home week. Shoot, in another 15 years I may get the 'oldest rider' award, who knows. -- John H |
Finance question..
On Thu, 17 Sep 2009 21:35:40 -0700, "Bill McKee"
wrote: wrote in message .. . On Thu, 17 Sep 2009 06:53:29 -0400, JohnH wrote: Given - CD maturing. Amount sufficient to pay off mortgage. Mortgage rate is 5.25%. New CD rates - 3% for five years, 4% for seven years. What would you do? Stock market exposure is high enough. Will be at the golf course pondering the situation. Back later. No, I don't want to buy a red barn. I think BAR put his finger on it. If you itemize it is probably a wash. Otherwise I would pay off the mortgage. I would buy some good dividend paying stocks. Or General Obligation Muni Bonds. Depending where you live you can get 5+ percent bonds. Not Revenue bonds, but G.O's. Will look into those also. Another finance person suggested those. Thanks. -- John H |
Finance question..
JohnH wrote:
On Thu, 17 Sep 2009 20:07:37 -0400, D 2 wrote: JohnH wrote: On Thu, 17 Sep 2009 15:48:45 -0400, wrote: On Thu, 17 Sep 2009 15:10:39 -0400, JohnH wrote: Thanks, Wayne. Right now I'm not interested in putting more into the market. This is purely a CD vs mortgage decision. It is really even simpler than that. You are betting CD vs real estate. Personally I like the security of not having a mortgage. One less bill I have to pay. I think a lot is psychological. I also like the idea of not sending the money to the mortgage company each month. I'd rather be sending it to my savings or investments. 'Course, I'd probably end up with a new motorcycle! -- John H German this time? Probably not. I like the BMW, but I also like the Honda ST1300. Looks wise there's not much difference: http://www.motorcyclistonline.com/20.../05/index.html http://www.bmwmotorcycles.com/us/en/..._thumbnail.jpg Costwise, the BMW is about $3K more than the Honda. Reliability/serviceability wise, I'd have to do some serious reviewing. Lastly, there's 'people-wise'. The Moto Guzzi crowd is a great group of people. Attending MG rallies is always like old home week. Shoot, in another 15 years I may get the 'oldest rider' award, who knows. -- John H You said new so I took that as a 2010 model. |
Finance question..
On Fri, 18 Sep 2009 19:58:13 -0400, D 2 wrote:
JohnH wrote: On Thu, 17 Sep 2009 20:07:37 -0400, D 2 wrote: JohnH wrote: On Thu, 17 Sep 2009 15:48:45 -0400, wrote: On Thu, 17 Sep 2009 15:10:39 -0400, JohnH wrote: Thanks, Wayne. Right now I'm not interested in putting more into the market. This is purely a CD vs mortgage decision. It is really even simpler than that. You are betting CD vs real estate. Personally I like the security of not having a mortgage. One less bill I have to pay. I think a lot is psychological. I also like the idea of not sending the money to the mortgage company each month. I'd rather be sending it to my savings or investments. 'Course, I'd probably end up with a new motorcycle! -- John H German this time? Probably not. I like the BMW, but I also like the Honda ST1300. Looks wise there's not much difference: http://www.motorcyclistonline.com/20.../05/index.html http://www.bmwmotorcycles.com/us/en/..._thumbnail.jpg Costwise, the BMW is about $3K more than the Honda. Reliability/serviceability wise, I'd have to do some serious reviewing. Lastly, there's 'people-wise'. The Moto Guzzi crowd is a great group of people. Attending MG rallies is always like old home week. Shoot, in another 15 years I may get the 'oldest rider' award, who knows. -- John H You said new so I took that as a 2010 model. Yeah, I hit the wrong button. That's what I meant. I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. -- John H |
Finance question..
On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote:
I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg |
Finance question..
thunder wrote:
On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote: I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg Try looking at it from the rotational prospective. |
Finance question..
Jim wrote:
thunder wrote: On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote: I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg Try looking at it from the rotational prospective. On second thought, maybe he should check the rotational arrows on the sidewalls. |
Finance question..
On Sun, 20 Sep 2009 14:44:08 -0400, Jim wrote:
Jim wrote: thunder wrote: On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote: I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg Try looking at it from the rotational prospective. On second thought, maybe he should check the rotational arrows on the sidewalls. Yup, it's the only way to be sure, but generally, I expect the chevrons to point in the direction of rotation on the rear tire. |
Finance question..
On Sun, 20 Sep 2009 12:51:04 -0500, thunder
wrote: On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote: I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg You know what? You are absolutely correct. I'll be damned. I can't believe I didn't catch that when it was mounted, by a Guzzi dealer who went out of business. That will be taken care of quickly. Thanks for pointing it out. -- John H |
Finance question..
On Sun, 20 Sep 2009 14:00:18 -0400, Gene
wrote: On Sun, 20 Sep 2009 12:51:04 -0500, thunder wrote: On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote: I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg It looks like a Pirelli FRONT tire mounted BACKWARDS, to me...... No, it's a Metzler rear tire. But Thunder made a good catch on the rotation. -- John H |
Finance question..
Gene wrote:
On Sun, 20 Sep 2009 16:05:08 -0400, JohnH wrote: On Sun, 20 Sep 2009 14:00:18 -0400, Gene wrote: On Sun, 20 Sep 2009 12:51:04 -0500, thunder wrote: On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote: I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg It looks like a Pirelli FRONT tire mounted BACKWARDS, to me...... No, it's a Metzler rear tire. But Thunder made a good catch on the rotation. Hmmmmm.... must be the LaserTec..... most rears omit the center groove.... I wonder if herring uses two cycle or four cycle oil, and whether he winterizes it with wd-40? -- Birther-Deather-Tenther-Teabagger: Idiots All |
Finance question..
On Sun, 20 Sep 2009 16:32:58 -0400, Gene
wrote: On Sun, 20 Sep 2009 16:05:08 -0400, JohnH wrote: On Sun, 20 Sep 2009 14:00:18 -0400, Gene wrote: On Sun, 20 Sep 2009 12:51:04 -0500, thunder wrote: On Sun, 20 Sep 2009 12:34:07 -0400, JohnH wrote: I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. Nothing for nothing, but who mounted your rear tire? I could be wrong, but that looks like a directional tread, mounted backwards. http://i98.photobucket.com/albums/l2...MotoGuzzi2.jpg It looks like a Pirelli FRONT tire mounted BACKWARDS, to me...... No, it's a Metzler rear tire. But Thunder made a good catch on the rotation. Hmmmmm.... must be the LaserTec..... most rears omit the center groove.... Yup, you got it. -- John H |
Finance question..
In article ,
says... On Fri, 18 Sep 2009 19:58:13 -0400, D 2 wrote: JohnH wrote: On Thu, 17 Sep 2009 20:07:37 -0400, D 2 wrote: JohnH wrote: On Thu, 17 Sep 2009 15:48:45 -0400, wrote: On Thu, 17 Sep 2009 15:10:39 -0400, JohnH wrote: Thanks, Wayne. Right now I'm not interested in putting more into the market. This is purely a CD vs mortgage decision. It is really even simpler than that. You are betting CD vs real estate. Personally I like the security of not having a mortgage. One less bill I have to pay. I think a lot is psychological. I also like the idea of not sending the money to the mortgage company each month. I'd rather be sending it to my savings or investments. 'Course, I'd probably end up with a new motorcycle! -- John H German this time? Probably not. I like the BMW, but I also like the Honda ST1300. Looks wise there's not much difference: http://www.motorcyclistonline.com/20.../05/index.html http://www.bmwmotorcycles.com/us/en/..._thumbnail.jpg Costwise, the BMW is about $3K more than the Honda. Reliability/serviceability wise, I'd have to do some serious reviewing. Lastly, there's 'people-wise'. The Moto Guzzi crowd is a great group of people. Attending MG rallies is always like old home week. Shoot, in another 15 years I may get the 'oldest rider' award, who knows. -- John H You said new so I took that as a 2010 model. Yeah, I hit the wrong button. That's what I meant. I'll probably die owning the bike I've got. It should last another twenty years. I'll probably go first, or together with the bike if Harry has his way. If we have our way, Harry will choke on stumpys dick. -- Dad loves his family, and he was a soldier. He wanted us all to remember that... |
Finance question..
JustWait wrote:
If we have our way, Harry will choke on stumpys dick. If you had your way, you might have graduated from high school and kept on growing past the age of 11, shorty. -- Birther-Deather-Tenther-Teabagger: Idiots All |
Finance question..
H the K wrote:
JustWait wrote: If we have our way, Harry will choke on stumpys dick. If you had your way, you might have graduated from high school and kept on growing past the age of 11, shorty. A ten year old would feel stupid positing that. |
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