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Re: Advisor says managed retirement plan, I'm not so sure.

Took me a minute to find the Spartan's, there are about 30 of them. Also look very good, any advice on how to narrow down? The best total market Spartan funds are: Spartan Total Market Index Fund -- total US stocks Spartan Global ex U.S. Index Fund -- almost all international stocks Spartan U.S Bon...
by Duckie
Sun Aug 31, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor says managed retirement plan, I'm not so sure.
Replies: 9
Views: 644

Re: Help with Personal Investments

ababs , does your current 401k allow incoming rollovers? Because if it does you could roll the SIMPLE IRA and IRA over to the 401k (assuming the same owner) and then use the 
 Backdoor Roth IRA 
 method in the future. You have a lot of overlap in your taxable account. Before you sell anything you n...
by Duckie
Sun Aug 31, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Investments
Replies: 7
Views: 483

Re: New - looking for portfolio advice

stromboli , you have an AA of 80% stocks, 20% bonds, with unknown in international. I'll pick 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. Given your 401k options here is a possible retirement portfolio as of the end of the year: Roth 4...
by Duckie
Fri Aug 29, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 12
Views: 862

Re: 401k / Roth 401k Rollover + Rebalance

Tax Rate: 6% Federal Effective, 3.07% State What are your marginal rates? The best options in his old 401k are: ( N/A ) SSgA S&P 500 Index Fund E Class (0.13%) ( N/A ) SSgA Russell Small/Mid Cap Index Fund D Class (0.31%) ( AIANX ) American Century Inflation-Adjusted Bonds Institutional Class (...
by Duckie
Thu Aug 28, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k / Roth 401k Rollover + Rebalance
Replies: 7
Views: 535

Re: Guidance with Asset Allocation

1. I want to ratchet my stock/bond allocation down to 70/30. The bulk of this shift can come from directing new contributions to bonds, but this strategy will take over a year to fully implement. I would appreciate any suggestions on other ways to make this pivot. You have three IRA accounts holdin...
by Duckie
Wed Aug 27, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Guidance with Asset Allocation
Replies: 3
Views: 386

Re: What to do with individual stock I received?

I guess if I am looking to use this stock as part of a down payment in say 3-5 years, it might make sense to sell and take the tax hit now, then re-invest it in index funds and sell those in 3-5 years for cash. If you need a down-payment in three to five years that money should be in a mix of savin...
by Duckie
Tue Aug 26, 2014 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1918

Re: Vanguard retirement with new job need help picking funds

tony8404 , both plans have some very good options with very low costs. You are lucky. For the old 401k at Merrill Lynch swap things around so you have the following: 39% ( N/A ) Vanguard Employee Benefit Index Fund (0.02%) 10% ( N/A ) BlackRock Extended Market Fund (0.12%) <-- Roughly 80% large cap...
by Duckie
Tue Aug 26, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard retirement with new job need help picking funds
Replies: 10
Views: 1101

Re: Portfolio help please

If the backdoor Roth is going to be needed then rolling your $77K over to a TIRA is going to cause a problem with the pro-rata rule . I'll have to research this, thanks. I'm ok for this year, next year I'm not sure about yet. This is the biggie. If you're nowhere near the phaseout range and don't e...
by Duckie
Tue Aug 26, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 5
Views: 451

Re: 401k / Roth 401k Rollover + Rebalance

Are you anywhere near the income limit for direct Roth IRA contributions? Negative - I will not be near the Roth limit this year Will you be near the limit in the next few years? Because of the pro-rata rule , if you need to use the 
 Backdoor Roth IRA 
 method in the future having a Rollover/Tradi...
by Duckie
Tue Aug 26, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k / Roth 401k Rollover + Rebalance
Replies: 7
Views: 535

Re: 401k / Roth 401k Rollover + Rebalance

This is what I'm CURRENTLY invested in - Do you need all options? Yes. We need to know what you could have in both the old plan and the new plan. Are you anywhere near the income limit for direct Roth IRA contributions? If not, rolling the old traditional 401k over to a TIRA may be the best choice ...
by Duckie
Mon Aug 25, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k / Roth 401k Rollover + Rebalance
Replies: 7
Views: 535

Re: Vanguard retirement with new job need help picking funds

tony8404 , in your new Vanguard 401k find the plan expense ratios for the following options: VITSX Vanguard Stock Market Index Fund VTPSX Vanguard Total International Stock Index Fund VBMPX Vanguard Total Bond Market Index Fund And get the expense ratios for the earlier mentioned five funds in the ...
by Duckie
Mon Aug 25, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard retirement with new job need help picking funds
Replies: 10
Views: 1101

Re: Old 401k (good) + new 401 (bad) asset allocation

BostonBorg wrote:I'm tempted to do the following.

Your plan makes sense. That's what I'd do. But you also need to consider any other retirement assets such as your employer plan and any IRAs. They're all part of the mix.
by Duckie
Mon Aug 25, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old 401k (good) + new 401 (bad) asset allocation
Replies: 3
Views: 362

Re: Portfolio help please

zigmund555 , welcome to the forum. Emergency funds: 3 months in cash, want to keep ~1 month in cash and rest into taxable vanguard Keep three months in cash. Age: 36 Desired Asset allocation: Still deciding on 80/20 vs. 70/30 Either would work fine. You could split the difference and make it 75/25....
by Duckie
Mon Aug 25, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help please
Replies: 5
Views: 451

Re: 401k / Roth 401k Rollover + Rebalance

burner20140825 , welcome to the forum. I'm looking to roll over my old (as of today) company's 401k and Roth 401k into a Vanguard IRA and Roth IRA. Rolling the Roth 401k over to the Roth IRA is good. Rolling the traditional 401k over to a TIRA needs to be thought about. I know you're not planning t...
by Duckie
Mon Aug 25, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k / Roth 401k Rollover + Rebalance
Replies: 7
Views: 535

Re: Vanguard retirement with new job need help picking funds

--Two loans from current 401k-- Balance total for both loans $6,266.22 / Payment of $83.58 I believe bi-weekly but could be monthly. You don't know if you're paying every two weeks or monthly? You need to be on top of this. Also, by "current 401k" do you mean an old 401k from a former emp...
by Duckie
Mon Aug 25, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard retirement with new job need help picking funds
Replies: 10
Views: 1101

Re: Where to put my house down payment money at Vanguard?

zback , money needed in fewer than three years should be in a mix of savings accounts, CDs, and money market accounts. Not stocks, not even bonds, just cash. What do you mean by "Vanguard general savings account"? Do you mean the Prime Money Market or something else? The Roth IRA is for r...
by Duckie
Sun Aug 24, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put my house down payment money at Vanguard?
Replies: 8
Views: 852

Re: Old Employer 401K to Vanguard Traditional IRA

I am also thinking do I convert to Roth IRA, but we cant contribute to Roth anymore due to income limits. Since you make too much income to contribute directly to Roth IRAs have you thought about using the Backdoor Roth IRA 
 method? As long as you have no non-Roth IRAs (Traditional IRA, Rollover I...
by Duckie
Sat Aug 23, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old Employer 401K to Vanguard Traditional IRA
Replies: 11
Views: 974

Re: Question about 401K

What other options are in your new plan? Actual quite a few. which makes it a bit overwhelming You have what reads like a great plan. I don't know what your AA is but at age 53 I'd go with an AA of 60% stocks, 40% bonds, with 30% of stocks in international for your retirement portfolio (not just th...
by Duckie
Sat Aug 23, 2014 3:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 33
Views: 2029

Re: Question about 401K

Trying to learn how to understand my 401K and the choices available. I can't seem to get a handle on how much the fees are. <snip> Investment Strategy: This investment seeks to match the return and risk characteristics of the S&P 500 Index, a measure of the broad U.S. large capitalization equit...
by Duckie
Fri Aug 22, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 33
Views: 2029

Re: Vanguard retirement with new job need help picking funds

tony8404 , welcome to the forum. First off, would it be wise to keep my current 401k with Merrill Lynch or roll it over to Vanguard in a IRA or ROTH IRA? First find out if your new 401k allows incoming rollovers. Most do. Then find out what the expense ratios are for the current 401k (and list them...
by Duckie
Fri Aug 22, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard retirement with new job need help picking funds
Replies: 10
Views: 1101

Re: Question on spousal ROTH IRA backdoor

walletless wrote:My wife does not work, and does not have any income. Is it OK to open a spousal IRA for her, then convert it to ROTH IRA?

Yes.
by Duckie
Fri Aug 22, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on spousal ROTH IRA backdoor
Replies: 7
Views: 593

Re: Rain Jacket Recommendations

MichDad wrote:What other reasonably-priced waterproof, breathable rain shells with hoods do you recommend? I looked at the Gore Tex Pro jackets but they're extremely expensive.

Check out Lands' End for men and women.
by Duckie
Fri Aug 22, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1723

Re: Newbie Seeking Portfolio Guidance

Under portfolio #1: His Rollover IRA at Vanguard -- $90K -- 58% 31% (VTSAX) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) 27% (VBTLX) Vanguard Total Bond Market Index Fund Admiral Shares (0.08%) Do you mean transferring the VTIVX fund into the VTSAX and the VBTLX funds, from non-tax...
by Duckie
Fri Aug 22, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeking Portfolio Guidance
Replies: 12
Views: 1297

Re: Tract Home - Things to Watch During Construction

If you can get to the site often enough, take pictures, especially before the drywall goes up. It can be very useful to know where electrical, plumbing, ductwork, and studs are later on. This. It's not only very useful to you but if you put the pictures in a scrapbook or something it'll be useful t...
by Duckie
Wed Aug 20, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3165

Re: Newbie Seeking Portfolio Guidance

dczarniawski , welcome to the forum. New annual Contributions $5500 his IRA $5500 her Roth IRA $4200 taxable Contribute to Her TSP instead of taxable. Available funds None (although I’m unclear as to what is being asked here) It means what options are available in your employer plans. Since the TSP...
by Duckie
Wed Aug 20, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeking Portfolio Guidance
Replies: 12
Views: 1297

Re: Retirement Investment Help

goffja2000 , welcome to the forum. You have an AA of 65% stocks, 35% bonds, with 15% of stocks in international. That breaks down to 55% US stocks 10% international stocks, and 35% bonds. Here is a much simpler retirement portfolio: Taxable at Fidelity -- 15% 5% ( FSTVX ) Spartan Total Market Index...
by Duckie
Tue Aug 19, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investment Help
Replies: 2
Views: 357

Re: Help with solo 401k

Vanguard solo 401K will allow rollover from other 401Ks and 403bs, But will NOT allow rollover from IRAs. Is that correct ? If you go to the Vanguard Individual 401(k) page and on the right side click on "download an Individual 401(k) kit for employers", under section 3.07 Rollover Contri...
by Duckie
Mon Aug 18, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with solo 401k
Replies: 15
Views: 976

Re: Help with 401k fund allocation

prn27 , you have an AA of 85% stocks, 15% bonds, with unknown international. I'll recommend 30% of stocks in international. That breaks down to 60% US stocks, 25% international stocks, and 15% bonds. Here is what you could have: 401k -- $7K -- 100% 48% ( N/A ) NT Collective S&P 500 Index Fund (...
by Duckie
Mon Aug 18, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k fund allocation
Replies: 7
Views: 498

Re: Increasing Bond Holdings/International Equities

aszend wrote:401(k)
10% BlackRock S&P 500 Stock Fund I (BSPIX) - 0.12%
<snip>
BLACKROCK S&P 500 STOCK FUND I 04/11/2013 0.24% 4.56% 0.92%

Which is it? 0.12% or 0.24%?
by Duckie
Mon Aug 18, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Bond Holdings/International Equities
Replies: 7
Views: 820

Re: Resigning- what to do with CALPERS And 457 (small money)

What do you think i should do with this money upon leaving? You can roll both the CalPERS and 457 monies to a Rollover IRA at Vanguard, Fidelity or some other custodian. At that point you could choose to convert them to a Roth IRA and pay the taxes. Or you could roll them to your TSP. Or in the cas...
by Duckie
Mon Aug 18, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Resigning- what to do with CALPERS And 457 (small money)
Replies: 5
Views: 533

Re: Help with Parents Portfolio

Any thoughts on an international bond fund? I was thinking of dedicating the Bonds 80/20 between Domestic./Intl. <snip> His Rollover IRA at Vanguard -- $480K -- 67% 16.71% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) 40% ( VBTLX ) Vanguard Total Bond Market Index Fund Adm...
by Duckie
Mon Aug 18, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Parents Portfolio
Replies: 8
Views: 837

Re: Clergy Retirement Investing: 403(b) vs. Roth IRA

If so, given the funds available to me, is this the place to ask for opinions about asset allocation or at very least general approach to it. I have read the Bogleheads Guide to Investing, so I'm intuiting that I'll likely invest in some combination of the Vanguard Funds because of their super low ...
by Duckie
Sun Aug 17, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clergy Retirement Investing: 403(b) vs. Roth IRA
Replies: 16
Views: 1331

Re: Asset Allocation 50 yr old couple too much taxable cash.

BOKEH , the best options in a taxable account for retirement purposes are: ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) ( VTIAX ) Vanguard Total International Stock Index Fund Admiral Shares (0.14%) Allows you to take advantage of the 
 Foreign tax credit . ( VWITX ) Vang...
by Duckie
Sun Aug 17, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 50 yr old couple too much taxable cash.
Replies: 9
Views: 738

Re: Helping My Sister Invest for the Long Term.

She is 26, and intends to work for a long while. So her retirement horizon is 30+ years off. I still prefer 20% bonds but anywhere from 10-20% is reasonable. I know I still have a ton to learn, so I am curious what makes you feel that is a good fund? The American Funds EuroPacific Growth Fund is a ...
by Duckie
Sun Aug 17, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Sister Invest for the Long Term.
Replies: 6
Views: 960

Re: Help with Parents Portfolio

MDisciple87 , welcome to the forum. You want an AA of 30% stocks, 70% bonds, with 36% of stocks in international. That breaks down to 19% US stocks, 11% international stocks, and 70% bonds. Here is a possible retirement portfolio: Taxable at Vanguard -- $95K -- 13% 2% ( VTSAX ) Vanguard Total Stock...
by Duckie
Sat Aug 16, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Parents Portfolio
Replies: 8
Views: 837

Re: Helping My Sister Invest for the Long Term.

CJF , welcome to the forum. My overall suggestion would be, to make it short and sweet: Invest in only the FID US EQ INDX and VANG INFL PROT INST for her 401k. I agree. The American Funds EuroPacific Growth Fund is a good international fund but it can be ignored since she'll be putting internationa...
by Duckie
Fri Aug 15, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Sister Invest for the Long Term.
Replies: 6
Views: 960

Re: Going from W-2 to 1099

Spirit Rider wrote:
DireWolf wrote:Does anyone know if Vanguard has a solo 401k program?

Yes, Vanguard has a Solo 401k. However, they do not allow rollovers.

Vanguard's Individual 401k does not allow incoming rollovers from IRAs but it does allow them from qualified plans (401k, 403b, etc.).
by Duckie
Thu Aug 14, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1793

Re: Weekend in Tucson - Kids' Birthday

camper wrote:For dinner have the Cowboy at Pinnacle Peak Steakhouse.
***By the way...have someone in your party wear their best tie to dinner.

Meanie. No Ties Allowed.
by Duckie
Thu Aug 14, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Weekend in Tucson - Kids' Birthday
Replies: 19
Views: 876

Re: IRAs or Solo 401k with 1099 Income

movingstars , welcome to the forum. If we invest in an investment that pays out earnings as 1099 income, how does that affect the IRA or Solo 401k? In other words, does it mean the IRA or Solo 401k earned the 1099 income and that taxes on that income is deferred till it is withdrawn? It depends on ...
by Duckie
Thu Aug 14, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRAs or Solo 401k with 1099 Income
Replies: 2
Views: 196

Re: How does my revamped AA strategy look?

Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of stocks The ultimate goal is for an AA of the following funds: ⋅ 50% in Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ⋅ 30% in Vanguard Total International Stock Index Fund A...
by Duckie
Wed Aug 13, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does my revamped AA strategy look?
Replies: 8
Views: 624

Re: First Timer

If we're ballparking, lets say that out of every commission check I can throw 1k into either my savings account or whatever seems like a good idea to have the money growing in the best way possible while also keeping it liquid? You can contribute $12K to $15K per year but there is an upcoming car, ...
by Duckie
Tue Aug 12, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1971

Re: First Timer

BBGC , you have four low-cost funds in your 401k plan: ⋅ ( N/A ) Northern Trust S&P 500 Index Fund (0.02%) Excellent large-cap stock fund. ⋅ (N/A) Pyramis Select International Plus Fund (0.06%) Either a developed markets fund or developed plus emerging markets. I can't find ...
by Duckie
Tue Aug 12, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1971

Re: Thinking of signing up with Vanguard this week...

I contribute to my 401k at 15%, which doesn't max out the yearly contribution limit. All of my 401k assets are currently in a Vanguard Target Retirement 2050 fund. 2050 has an AA of 90/10. Is that your retirement AA? I currently have $8K for my e-fund (eight months of expenses), and was looking to ...
by Duckie
Mon Aug 11, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of signing up with Vanguard this week...
Replies: 3
Views: 491

Re: Newly Minted Bogglehead - Many Question

NoLoadFTW , welcome to the forum. Emergency funds: < $5,000. However, we maintain a $50,000 HELOC with a $0 balance to cover emergencies (and short-term financing for new rental properties). I'd increase this. You can't depend on the HELOC to be there if you need it. They can be cancelled. New annu...
by Duckie
Mon Aug 11, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Minted Boglehead - Several Questions.
Replies: 8
Views: 1085

Re: First Timer

BBGC , welcome to the forum. Do you have any debt? Besides your six-month emergency fund you need to set up a short-term-needs fund for future planned expenses (new car, house down-payment, grad school, etc). These monies, including your emergency fund, should be in a mix of savings accounts, CDs, ...
by Duckie
Sun Aug 10, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1971

Re: Any suggestions/feedback is appreciated

In appears that I am filing a Schedule C but no where has anyone ever done a Schedule SE for me, is this something I should be asking about and something that needs to get done? If you have self-employment income and file Schedule C you should also be filing Schedule SE for the social security/medi...
by Duckie
Sat Aug 09, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1086

Re: Ready to make up for lost time, need guidance, new to th

I guess I meant transferring the TIRA over to my employer's company and either 1) rolling it into the 403b if all the expenses seem to be within reason 2) Just keeping it with the new company as an IRA and keep the same American funds But since I guess there would be more expense with option 2, it ...
by Duckie
Sat Aug 09, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3384

Re: Ready to make up for lost time, need guidance, new to th

It looks like you just whittled things down to 3 in stead of the four funds, which seems fine. I also know that I'll pay $15/fund for annual account service fee for each fund at Vanguard. I got this from Vanguard site. I remember the advisor saying $30, so maybe they tack an extra $15 on top of tha...
by Duckie
Sat Aug 09, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3384

Re: Any suggestions/feedback is appreciated

Yes it looks like we have the option of a 403b as well as a deferred compensation (IRS Section 457). Our options for the 403b plan look like they are through these investment providers http://www.tsacg.com/individual/plan-sponsor/south-dakota/sioux-falls-school-district-49-5/. That's good. She can ...
by Duckie
Sat Aug 09, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1086
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