Apply Now For A Remortgage Or A Secured Loan As They May Soon Change
Make hay while the sun shines is an expression that rings true on many occasions, and in the current world economic climate, these words are very relevant in the mortgage, remortgage and secured loan sectors.
Even the most experienced financial experts cannot really be sure about what is happening in the finance markets of America, Spain and Italy and if will yet again affect the British economy, and with it the future of remortages, mortgages and secured loans.
Although at present, these three home loans are not the same as they were before the recession, they are however much improved on their position during the course of the credit crunch.
Before the recession there was an abundance of different plans for mortgages, remortgages and secured loans which included a 125% equity plan which meant that it was possible to borrow 25% more than the property was actually worth.
An example of this was that even a first time buyer purchasing a property at £100,000, a mortgage up to £125,000 would be available, and the buyer could carry out home improvements etc with the extra £25,000.
Remortgages and secured loans were also granted in the same basis which all lead to an extremely robust lending industry with lenders thriving and borrowers very happy, as it was so very easy for them to be granted finance.
This all altered in the course of the credit crisis, and the lending critria became so strict that there were far fewer borrowers, resulting in the demise of a number of lenders, and even more so, a drop in the number of secured loan and mortgage brokers, thousands of whom closed their doors never to open them again.
The last year has seen an upsurge in financial products that has enabled many more people to obtain a mortgage, remortgage or secured loan, as underwriting has become less strict, and more lenders have entered the market such as Portal Porfolio and Central Lending.
There are now 95% remortgages available from a number of mortgage providers, and remortgages are also available up to this loan to value.
Secured loan have also fared much better during that period with plans at 90% LTV for loans upvto a maximum of £15,000, and the 60% LTV self employed loans plan has been very welcome to those who are only recently self employed or have no accounts.
There are also very good fixed rate five year remortgage plans which of course means that the rate will not change for 60 months giving stability to a household’s monthly budget.
With people no longer certain about what the financial future holds for them, especially with the events abroad, this is certainly the time to make hay while the sun shines in light of the fact that we no longer know if these loans will remain the same for much longer.
Single Invoice Factoring Enables Companies to Prosper
Job growth statistics in the United States are still not good enough for a strong economic recovery, and many businesses are trying to keep cash flowing until this is possible. The United States is down by 6.8 million jobs in the U.S. Employers added around 117,000 new jobs in the month of July. This cut the jobless rate a tenth of a point to 9.1 percent. (Source: Bureau of Labor Statistics.) Meanwhile, the private sector created about 154,000 jobs in a number of various industries.
These numbers for new jobs have always been an economic indicator, and they are just not enough new jobs for small to medium-sized businesses (SMEs) to feel safe for the future. And in order for businesses to prosper, they need cash flow. Did you know that factoring services is one of the top strategies for small businesses to make sure their cash flows? That’s why many SMEs have resorted to other strategies like factoring services including a new tactic called single invoice factoring services, enabling companies to factor one invoice at a time, thus creating cash flow on an as needed basis. Business owners who are new to using single invoice factoring are finding that they can actually receive cash in 24 hours while enrolled customers can get cash in less than four hours. There are also no minimums, or maximums, and in fact simply no obligations. What’s more, keep in mind that factoring is not a loan, and there are co-signers required, or account to open and there are no upfront fees.
According to the Commerce Department U.S. consumer spending dipped for the first time in nearly two years in June, by 0.2 percent, which is the first decline since September of 2009.
There was another report showing that June’s small business borrowing hit a three year high which was actually up 25 percent from a year ago in 2010, and it was also the highest level since April of 2008 when the recession began. It also indicated borrowing rose in among all lender types and in all industries.
Finally, according to the July Insperity report the U.S. economy is at the top of the short term list among 79 percent of those who responded; and only 12 percent of small businesses believe that a true economic recovery is under way. Approximately 40 percent of small businesses have put aside expectations of an economic rebound until the first quarter of 2012.
(Sources: July Insperity report; Thomson Reuters/PayNet Small Business Lending Index.)
3 Steps To Cheaper Car Insurance
Everyone wants cheaper car insurance and you are no exception.
Not only do customers know this, the insurance companies understand this also. Year after year insurance companies have been spending millions of dollars on advertising based on this subject. Being able to uncover cheap car insurance is simple for most consumers.
But, as good as this sounds, cheaper car insurance is not always the best thing to protect you and your vehicle. It is better to be on the lookout for car insurance that is cost effective instead.
Step One: Find More Discounts
Getting as many discounts on your insurance policy as you can is going to be one of the best ways to buy cheaper car insurance. Instead of having to contact other insurance companies and agencies, contact your own agency about discounts. Go over your policy and your current situation to make sure that you are getting all of the insurance discounts that you qualify for.
While the specific discounts vary, you may qualify for multi-car discounts and multiple line discounts (having home, auto and other insurance all with the same company). Other discounts can include good student discounts, homeowner’s discount and defensive driving course discounts. Your agent may even find discounts that are specific to just your insurance company that you have never known of before.
If you have a trustworthy agent, they should be on the lookout for these discounts for you. Being familiar with what is offered by the insurance companies that he or she sells policies for is their job.
These discounts also benefit your agent in two ways. One, they are providing the good customer service that you are looking for to keep you as a customer. Two, they are able to use the discounts to get you a lower premium than the other companies you may be getting prices from.
Step Two: Dropping Full Coverage
The only insurance coverage that is required to be able to drive is liability insurance. Dropping your comprehensive and collision coverage is a quick way to cheaper car insurance. However, it may not be a smart idea to do this. Also if you have a car loan, the company that you are making car payments to is not going to let you do this.
If you are thinking that you can remove this coverage and they will never know, think again.
Lenders require that they be put on your insurance policy as they have a vested interest in your vehicle. This is to make sure that if you vehicle is totaled in a car accident that they are the ones that will get the payment for the car, not you.
Also, whenever you make a change to your insurance policy, like dropping comprehensive and collision coverage, they will be notified. Then they will take steps to put their own insurance on the vehicle to make sure that the vehicle is protected.
This insurance is not cheap and you will be the one paying for it. So it is a good idea to just keep your own insurance coverage on the vehicle and keep everyone happy. Besides, once the loan is paid off you are free to cancel this coverage.
If you do drop this coverage for the cheaper car insurance, you will be giving up financial protection. If you were to get into a car accident that was your fault or anything else happens to the vehicle, you are out of luck.
Your insurance company will not pay for the damages as you stopped paying the premium for the coverage. This means that you are going to have to pay for the damages out of your own pocket. Which can end up being much more money than what you saved in premium by dropping the coverage.
Step Three: Drop Liability Limits
Another easy way to cheaper car insurance is to decrease your liability limits to the minimum that your state requires you to purchase. Just keep in mind that state minimums are very low and usually don’t provide enough coverage in the case of an accident. This means any damages that you cause that are more than what your insurance policy covers will be paid by you personally.
Todd Clay was an agent for the largest insurance company in the US. He now researches and blogs about cheaper car insurance with the consumer in mind. Check out the latest reviews, rates by state, or grab a few auto insurance quotes in 5 minutes at: www.carinsuranceguidebook.com
The Best Way To Purchase Life Insurance
At present in this urban planet the population is definitely escalating day by day. So is the amounts of automotive in the streets. This seems to have caused the amounts of catastrophes to increase in the same way. Lots of folks tend to be getting injured and killed daily during these types of mishaps. That’s why, insurance is definitely the easiest method to defend your self plus your vehicle form these types of catastrophes. The insurance coverage shields you along with your car combined with other folks mixed up in incident.
We all know the importance regarding insurance plan these days. Accidents may possibly happen without any notice within a blink of an eye. Getting car insurance under 25 will be able to really assist you if you wind up in a crash or maybe if someone crashes into you.
Having too little life insurance coverage could be devastating to your family must you make an early exit. Having an excessive amount of is an utter waste of money. That makes understanding how a lot you need–and what type of protection is best for you–a essential decision.
Instructions: 1
Determine should you want life insurance. If nobody, similar to a spouse or a baby, is dependent upon your income, then it is pointless so that you can insure yourself. Life insurance is safety towards misplaced revenue–no more, no less. Equally, in case you are properly-off financially, your family may not need an influx of money whenever you die.
2
Calculate how a lot coverage you will need. Decide how a lot your beneficiaries have to stay on, and for how long. Dropping a cherished one is troublesome emotionally and financially, and lots of dependents will want a period during which they will not have to worry about money. Whereas two years is the typical cushion, some individuals might wish to make sure that their beneficiaries are set for life. Calculate all bills for the coated interval, together with large ticket gadgets like school and mortgages, in addition to dwelling bills like clothes and food. Then subtract the sum of money you assume your beneficiaries will make from salaries and investments (bear in mind , they could not go back to work immediately). By subtracting all estimated bills from the earnings that you just estimate your beneficiaries will earn, you get a primary idea on how a lot insurance coverage coverage you need.
3
Choose what sort of protection finest meets your needs. Insurance coverage is safety, not an investment. Think of insurance in terms of decreasing accountability as you get older. If you find yourself youthful and have children and a mortgage, you need protection. As you become older, your children have graduated and also you seemingly have few or no funds left on your mortgage, so that you need much less protection.
4
Time period life insurance coverage is the only technique to go–you pay the premium and are covered for a particular profit for the interval during which you need coverage. While you stop paying, you cease being covered. Term is a much cheaper possibility in the long term, and you may make investments the cash you’ll have in any other case paid for whole life insurance coverage in mutual funds.
5
Universal life policies can help you modify your premiums as well as your demise benefit. Variable life helps you to choose tips on how to invest the policy’s money value. A portion of what you pay in premiums goes right into a money worth, which might increase over time and may be redeemed earlier than your death. Unfortunately, the mortality expense of all cash worth policies goes up considerably after age 60, so that you could be within the scenario the place your payment goes up drastically or your investment account used to pay your premiums quickly dries up. In case you die with a large cash value stability, your beneficiary still gets solely the face amount, not the face amount plus the cash value.
6
Whole life insurance has important drawbacks. First, the premiums are generally way more expensive–especially within the early years of the policy, if you’re principally paying commissions slightly than constructing money value. Second, if it’s a must to cash out the coverage early, you will have to pay a surrender charge.
7
Check the ratings. Insurers run the gamut from shaky upstarts to family-identify institutions. Most firms are rated for financial energy and claims paying skill by impartial score agencies. Ratings from A.M. Greatest, Moody’s, and Standard and Poor’s are essentially the most typically cited.
Borrow In opposition to Your Life Insurance
1
“Borrow” cash from a money value life policy as an absolute last resort. For those who own a house, take into account an fairness line earlier than borrowing out of your money value. With an equity line, your curiosity is deductible and you will most frequently get a better charge than the insurance coverage company is prepared to offer. (See Easy methods to Get hold of a Dwelling Equity Loan.)
2
Contact your insurance firm in case you have no other choices and learn the way massive your cash worth is and how much you can borrow. The quantity out there to you is determined by how much money has amassed within the policy. That, in turn, depends upon how long the policy’s been around, how a lot you have paid into it, and other factors. For example, in case you have a $300,000 coverage with a money value of $50,000, your borrowing functionality will be primarily based on the $50,000 money value.
3
Perceive that whenever you borrow in opposition to your money value, you will need to pay curiosity on the quantity you borrow. The curiosity you pay does not go into your cash worth, as many people think. Instead it goes again into the pockets of the insurance coverage company.
4
Carefully verify the phrases and circumstances of the loan. Some insurance companies restrict how much of your cash worth you possibly can borrow, and some have special payback terms. Make certain that the rates of interest are decrease than what different mortgage sources, reminiscent of house equity loans, are offering.
5
Withdraw the money. There is no restriction on how you should use the money, as there is with a 401(okay) withdrawal, for example. You do not ever have to pay it again, as long as you are prepared to have a diminished loss of life benefit on your beneficiaries when you do pass away. However, you’ll additionally pay curiosity on it for the remainder of your life. On high of that, any curiosity you owe on that loan may also be deducted from the payout.
Mortgage Broker Shop Around For The Best Interest Rates
The mortgage broker sells access to money for the prospective buyer. They do not represent the lender nor do they represent the applicant as many people assume they do. The loan officer represents the lender and works under their license. The mortgage broker has the ability to lower rates quickly since they do not have the large overhead as a lending institution has.
The broker creates the greatest activity in terms of generating home loans. Some are regulated by state agencies. Mortgage brokerage proficiency standards in other areas are set up by the CAAMP. It is recognized for its commitment to professional behavior and continuing education for its members. Mortgage Brokers are members of CAAMP and provide their clients with the best possible service in finding the most suitable financing for their clients.
Mortgage rate is currently able to offer rates that are significantly lower than posted rates and discounted rates. For new business the rates available are for three and five years. People who are interested in learning more by keeping up to date on the daily rates and news developments can sign up for free at any of the brokers’ websites. They will be able to get a daily dose of the current information about the housing industry.
Mortgage offers a free calculator online, free educational videos, a newsletter that offers interest rate forecasts and live chat to helps the information seeker out with their questions. The better informed the individual is the better choices they will make. Too many people have fallen prey to the pressure of brokers who pressure the clients into making purchases they should have stayed away from.
Some brokers have knowingly submitted false information. This is called predatory lending. Mortgage broker is a member in good standing with the CAAMP and offers ethical, professional advice to individuals seeking information about loan procurement. They will be the first to warn their clients to beware of fraudulent activity.
Buying a home in today’s economic situation requires careful planning. It is a buyer’s market but one wants to be very careful that the value of the home will not decrease. The buyer needs sound guidance on where to look for homes that will keep their value. They want to avoid declining neighborhoods.
The investment should be sound and the loan payments must be affordable for the buyer. It is also important that the buyer have a trusted attorney to make sure that there are no hidden clauses in the loan contract. There are too many instances where unsuspecting buyers ended up signing a contract when they thought they were just signing an application.
It is the dream of most people to be a homeowner. It is important that the dream does not turn into a nightmare. Mortgage broker recommends that the future homeowner take as much time as is necessary to learn about the market as well as to make sure that they will continue to have the required job security in the future to manage their loan.
Mortgage Toronto work with many different lenders to assure you get the best rate possible.
Popular Student Loan Myths
Although many students must eventually resign themselves to student loan consolidation, many do not know what they are getting themselves into when they sign up for the loans in the first place. Financing a college career seems of the utmost importance when one is undertaking an education, but private student loan consolidation may be more than most students are willing to sacrifice when it comes to having to pay these bills every month.
There are many myths surrounding college loans, and because the process of receiving one is so simple, many students do not even know what they are getting themselves into. Many students are misinformed about student loans thanks to the boom in internet media and a love of misleading headlines. Many headlines are meant to turn heads rather than to inform, and when students actually sit down to read an article they may emerge from the experience more confused than ever before.
There have been some recent lending reforms, which were included in the Healthcare Reform Bill. These reforms were meant to offset the cost of healthcare, and though the two functions do not seem to be related, they are. The reforms allow interest from the loans to flow from the lenders to government programs. Student financing is a big deal because they are a big business — think about it, in this country everyone who wants a career is expected to go to college. In order to attend an expensive college, many students have little choice but to take out financing to pay for it. The government makes quite a bit of money from the system, and because it is such a big business it is a money maker even in harsh economic times. Because of the reforms, there are many myths circulating and a lot of confused students out there. Many believe student financing will now be more expensive when it comes time to repay them, but this is not the case. Now students will actually get to pay a lower percentage — 10%, down from 15% – of their discretionary income when they make a monthly payment. Instead of making it more expensive for students, students are now allowed to pay back the loans at more affordable rates.
The misinformation that financial aid will be reduced overall was also circulated after the reforms passed, but this is another myth. Financial aid may have been reduced by an ailing economy at least in terms of grants and loans issued by private lenders but the money coming from the government are still readily available for those students who need them. Another myth that confused many new college students was that a student might not qualify for financial aid if their parents’ income was too high. Student loans take into account much more information than what a student’s parents make each year, so that students who have siblings in college are still able to take out their fair share of federal money.
Students who are not sure about student financing would be wise to take a trip to the financial aid office on their campus and learn the facts before taking on the obligations that come with a loan.
Stewart Wrighter recently spent time researching student loan consolidation. His son is going to apply for a private student loan consolidation.
Different Services That A Mortgage Broker Can Give
A mortgage broker can provide a great service to individuals as well as businesses looking to get a mortgage on a certain property. There are several different things that Canadian brokers do for their clients. They act as a middle man between the person buying the house and the bank. They are able to take the persons needs and find the best deal to go with. Other things that they do is make sure that all documentation is in order before going to the bank. One nice thing about Canadian Brokers is they make their money from the banks and not the individuals.
The broker’s primary purpose is to act as the middle man between the bank and the buyer. This serves to benefit both parties. The banks can be sure that everything is in order and the buyer is eligible before they make the deal. Brokers do a lot of the paper work for the bank. It is a benefit to the purchaser because they will go out and search a number of different banks and mortgages to find the best deal for the client.
The brokers will know what type of mortgage will best suite their clients needs. They take criteria given to them by the buyer and search for different mortgages that fall into that criteria. From there they can select the best one to go with. This helps to eliminate a lot of the work on the buyer’s behalf. They also deal with mortgages on a daily basis and can help the buyer to determine which is the best route to take.
One of the benefits that residents of Canada have is the fact that the banks pay a finders fee to the brokers. There is not any money spent by the buyer. This can be a great deal considering the amount of work that the brokers can often times have to do to find the buyer the best deal. In order to get this service the buyer will need to have a very good credit score. If this is not the case it usually is not worth the professionals time as they know that most banks will not lend them any money.
The professional does all of the applying to the bank as well. They are able to fill out or work with the client to fill out any of the forms involved in the application. They can also explain to the buyer any information that they do not understand.
They also help to ensure that the client has got all of their ducts in a row before closing the deal. They make sure employment and credit information is all up to date so that there is no chance of denial when they submit everything to the bank. This also helps to expedite the closing process in many cases. Banks also tend to like working with brokers more because the process runs a lot smoother.
When looking for mortgage brokers in the Toronto area it is recommended that one goes with a certified one. The Canadian Association of Accredited Mortgage Professionals is an accredited association of brokers all throughout Canada. It is recommended that the profession one chooses has this accreditation. The current rate for mortgages in Toronto is between 2.5 and 3.0 percent.
A mortgage broker can help a buyer get the best suited deal on their property loan. They can help with many different aspects that are involved when it comes to purchasing a property.
Mortgage Toronto will help you secure your first or second mortgage under the best loan conditions.
If You Invest, You Should Be In Alternative Investments
By Julia Lundstrom
Hedge Funds, Managed Future Funds, Currencies, Commodities…
For 90% of investors these are foreign, even scary terms. I mean, hedge funds are what caused the 2008-2009 crash, right?
Let me give some clarity around an investment world that gets a bad rap… There are a thousand different types of hedge funds, managed future funds and even currency and commodity funds. They all target different investments and different strategic asset allocations and different methods of investing your dollars. But this is absolutely no reason to avoid them altogether.
You can buy an investment that makes money when the stock market goes down.. You could:
Short (sell) a stock
Buy an ETF that increases when the market goes down
Buy an option would protect your downside risk and allows you more leverage
With even more leverage and you can sell a future that follows either the DOW or the S&P 500
Invest in a hedge fund that trades futures and can buy or sell the futures
Invest in a managed futures fund that also will trade on the up and down side of the market.
For example, some managed futures funds are up over 40% year to date, while the stock market is down over 10% and they only follow the DOW or the S&P 500. (source: Barclay Hedge).
There are so many choices in investments that control your downside risk in the stock market.. There were hedge funds that over-leveraged in mortgage backed securities and then bet against what they were selling and THEY did help bring the markets down.
However, weeding out the ones that won’t fit with your risk tolerance or more importantly your comfort level is quite simple. Your financial advisor should be able to make recommendations that fit well within your overall portfolio.
My advice, understand what you are investing in. If you understand stocks, get a manager that can short (sell) stocks. Don’t invest in what you don’t understand.. If you have over $1 million you can pick your managers wisely with your financial advisor. If you have less than $1 million in investable assets, don’t shy away from those investments that can actually reduce your overall risk. Invest in good, diversified mutual funds that include different types of investment that spread the money across my recommendations.
Let’s look at some year to date returns to prove my point (as of 8/22/11):
Large Cap US Stocks: -9.10%
International Large Cap Stocks: -13.85%
Emerging Market Stocks: -16.18%
Precious Metals: +33.77 %
Agricultural Commodities: +2.20%
Long Term Government Bonds: +15.10%
Residential REITs: +2.16%
Barclay Hedge Fund Index: +1%
Morningstar Long/Short Commodities Fund: +5.02%
You will notice 1 trend… Every “traditional” investment outside of US bonds, i.e. stock diversification, is down. Almost EVERY Investment outside of stocks is up. The average American has the majority of their portfolios in stocks.. This is way tactical asset allocation is so important..
Diversify well, diversify wisely and diversify out of your comfort zone in alternative investments to increase your overall return and decrease your overall risk.
For more than 20 years, Julia Lundstrom, CFP has been on the front lines of investing and financial planning for individuals and businesses. You can read more about her recommendations on asset allocation and risk budgeting by visiting http://refinedassetallocation.com or reading her blog at http://refinedassetallocation.com/blog .
How To Avoid Closing Costs When Selling Your Home
Even though a lot of homeowners have mortgages that exceed the market value of their homes right now, some people have equity in their home. Some have inherited a home or have simply owned it long enough to have paid the mortgage ‘way down, or even paid it off in full. These people are in a good position to think about selling a home AS IS.
Seems like that would be the time to stay put, right? How many of us would love to live in a home that’s paid-off, no mortgage at all? Lots of us! But, there are always reasons a homeowner may want to sell and move away. Life circumstances change, jobs change and of course some people might simply want their cash out of the home. Selling a home AS IS can be the fastest and easiest way to turn home equity into cash, and it is an option in all parts of the country.
If you see a light fixture or kitchen appliance marked AS IS on the shelf or a mark-down table at a home improvement store you are on notice that it may have one or more imperfections. Selling a home AS IS puts buyers on notice that you are aware of needed improvements, but that you are not going to make the needed repairs prior to a sale. If your local real estate regulations require every home seller to fill out a Seller’s Disclosure Statement you will find that there is usually an option to specify that you are selling AS IS. On a Seller’s Disclosure Statement that phrase has legal significance, but for the purposes of this article I’m just referring to what most people understand when they see and use the phrase. This is not a discussion of the legal interpretation at all.
So, let’s just assume that you may have a property that has a very low mortgage balance, or no mortgage balance at all. Your property may be in need of a few or even a lot of repairs, including costly repairs, and you may have made a decision that you are not able or willing to make the repairs at all. That is your choice. Obviously you are looking for a buyer who has the motivation to do the repairs himself, or to hire them done. And you are also looking for a buyer who has access to enough cash to purchase the home from you and complete the necessary repairs as well.
If you are wondering who this buyer might be, I can tell you. You are looking for a real estate investor who buys and sells homes as a business. Investors usually have everything in place to make a purchase when you sell your home AS IS, and in addition, they can get a transaction closed so that you get your cash quickly.
US Credit Rating Downgraded: How Will The Markets React?
By Daniel Kertcher
As the world is now aware, Standard and Poors has downgraded the US credit rating to AA+, down one notch from AAA.
This is the first time in history that this has happened and is surprising.
The big question is, “How are the markets going to react?”
Well, the credit worthiness of the USA government to pay their debts is less than it was. If this was another country, or a company, that would mean that the interest rates they had to pay to borrow money would rise.
Rising interest rates would cause bond prices to fall. In all the nations who have experienced downgraded credit ratings, especially the recent ones like Greece, Portugal, Ireland, etc, the interest they have to pay on new bonds has risen dramatically, especially in Greece where 2 and 10 year yields are now in the teens!
In the case of the US market, first of all, the credit rating hasn’t dropped anywhere near as low as Greece, so don’t expect a massive spike in interest rate yields on bonds.
However, the yields will likely rise, and could therefore result in bond prices falling, resulting in TLT falling and therefore TMV and TBT rising.
The big difference though, is that the USD and US treasuries are still the biggest, most liquid market in the world, and this is just a credit rating from one company. Moody’s and Fitch, which are also credit rating agencies, still have AAA ratings for the US.
Therefore, international investors, especially countries like China, Germany, Japan etc, still have a lot of money they need to park someplace, and all want the USD to rise, so could easily ignore the credit rating and continue to pump money into bonds, therefore, continuing to rise the bond prices, and hence TMV and TBT could still fall.
The markets have been gripped by fear for over the past two weeks. Despite the extremely strong fundamentals right now on the SP500 stocks and higher than expected earnings in the current earnings season, the market has had one of it’s biggest drops in the past few days.
It has basically been a tug-of-war between logic and fear….and fear has been winning.
One things for sure, its an exciting time to be trading the markets. Once the fear and chaos subsides, like it did after the 2008 crash, logic will return, and the opportunities will likely be amazing!
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