Search found 8043 matches

by Kevin M
Mon Mar 27, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Modified Larry Portfolio?
Replies: 10
Views: 691

Re: Modified Larry Portfolio?

Most people who use some form of LMP/RP aren't going to consider stocks and corporate bonds (Wellesley) appropriate for the LMP. A TIPS ladder is the conventional choice, but using annuities is an alternative to consider. I personally use good direct CDs for this portion of my portfolio, as I've got...
by Kevin M
Mon Mar 27, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Single Fund Portfolio in Roth IRA
Replies: 5
Views: 154

Re: Single Fund Portfolio in Roth IRA

One of the LS family funds is a fine, simple solution for many people. The most important part is getting your target risk exposure right. LS Growth is 80% stocks. A common rule of thumb used here is to be prepared for a 50% drop in stocks, which would mean a 40% drop in LS Growth, assuming no chang...
by Kevin M
Sun Mar 26, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 90
Views: 5777

Re: What inflation rate do you use for your planning?

sergeant wrote:I do no inflation planning. I do it all in real terms.

So you and others who keep saying this don't have any nominal fixed income, like a non-TIPS bond fund?

Kevin
by Kevin M
Sun Mar 26, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?
Replies: 14
Views: 862

Re: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?

After reading Bernstein and Swedroe in depth as well as forum input, there doesn't seem to be a need to have an AA greater than 30/70 or even 20/80 with between 50x to 60x in a LMP structure. To my "newbie" understanding, there's a point where one can take things "off the risk table&...
by Kevin M
Fri Mar 24, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 104
Views: 9836

Re: So someone drained $13k from my checking account...

-It was nice to hear that at least ONE person here understands that there are consumer protections for consumer. Many of us understand this. I think many of us are mainly discussing ways to minimize the hassle--at least that's what I'm thinking about. I'd rather be out $5K or $10K for a few days th...
by Kevin M
Fri Mar 24, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 90
Views: 5777

Re: What inflation rate do you use for your planning?

The CPI inflation multiplier from 1957 to 2017 is 8.66915: CPI Inflation Calculator . This is an annualized inflation rate of 3.67%. So $10,000 in 1957 had the same purchasing power as $86,692 today. If inflation were to run at the same average rate for the next 60 years, $751,542 would have the sam...
by Kevin M
Fri Mar 24, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 104
Views: 9836

Re: So someone drained $13k from my checking account...

^ At my bank, what I'm talking about is referred to as "overdraft transfer". I don't use a debit card or ATM card for this account, so no scenario involving those is applicable. When a credit card autopay or any other payment hits my checking account, I want it paid, even if I've neglected...
by Kevin M
Fri Mar 24, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 28
Views: 2686

Re: 3 fund portfolio vs. all-in-one fund

Thanks for the feedback. I read through the Bogleheads link (approximating Total Stock Market), and tried to run the funds through the Morningstar x-ray (that was linked in the article) to generate the "nine-box stock style box". My specific funds we're listed though, and the similar look...
by Kevin M
Fri Mar 24, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 912

Re: Close taxable account?

1. Expected AGI for 2017 = 48k Is this after the expected $15K 401k (and possible tIRA) contributions? If so, then your savers credit is $200 for each spouse who makes IRA/401k contributions of $2,000 or more in 2017. So max of $400 for both spouses (I overlooked that it's for each spouse, since th...
by Kevin M
Fri Mar 24, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 104
Views: 9836

Re: So someone drained $13k from my checking account...

Sorry for the hassle, but thanks for sharing. I schedule several monthly transfers from savings account A to a checking account to cover my bill auto-pays for the month (goal is to keep minimum in 0.1% checking and more in 1% savings). I have checking overdraft protection linked to savings account B...
by Kevin M
Fri Mar 24, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 90
Views: 5777

Re: What inflation rate do you use for your planning?

Regarding M2 vs. CPI, below is a chart of year over year percent change for both for the last 10 years: https://fred.stlouisfed.org/graph/fredgraph.png?g=d82Z As we can see, M2 has generally been increasing at a much faster rate than CPI. We can see the cumulative difference over last 10 years by se...
by Kevin M
Fri Mar 24, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 90
Views: 5777

Re: What inflation rate do you use for your planning?

M2 is money supply, not inflation. Seems to me that the more dollars there are, the less they are worth. And the less they are worth, the less they can buy. Am I missing something? Yes, that's not the way inflation works. The CPI looks at actual prices for things people buy, so change in CPI is an ...
by Kevin M
Fri Mar 24, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 912

Re: Close taxable account?

As we learned in another thread, the Roth vs traditional IRA for lowish income folks is not a no-brainer because of refundable tax credits that low income taxpayers may be eligible for. It is best to model taxes both ways to see which would be better. I think what you're saying is that if a tIRA co...
by Kevin M
Fri Mar 24, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 90
Views: 5777

Re: What inflation rate do you use for your planning?

M2 increased more than 7% in 2016. http://www.tradingeconomics.com/united-states/money-supply-m2 Let's not even get into health insurance premiums. For me, in terms of anticipated cost of living, assuming 6% inflation is optimistic, 10% is pessimistic, and 8% is conservative. M2 is money supply, no...
by Kevin M
Fri Mar 24, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 912

Re: Close taxable account?

Although, it seems like I'll have to pay IL state tax on the capital gains since we'll be filing an IL state return next year. Is it too late for me to sell this year and claim the gains for 2016? I believe if you sell while still a FL resident you will pay no tax on the gain--at least that's what ...
by Kevin M
Fri Mar 24, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 912

Re: Close taxable account?

Makes sense, especially if you can do it in FL with no state income tax. Google tells me that IL income tax rate is only 3.75%, so even if you have to prorate the gain for state tax purposes, I'd say it probably makes sense from a long-term perspective. Although you aren't paying federal income tax ...
by Kevin M
Fri Mar 24, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Another Backdoor Roth IRA question
Replies: 2
Views: 205

Re: Another Backdoor Roth IRA question

I think what you're asking if you can make a 2016 IRA contribution in 2017, convert it to Roth in 2017, and do your IRA->401k rollover in 2017. The answer is "yes". When you fill out your 8606 for tax year 2017, the tax on any conversions will be based on the IRA basis and account values a...
by Kevin M
Fri Mar 24, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?
Replies: 14
Views: 862

Re: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?

Yes, adding a TR or LS fund seems redundant to me. You've already got US stocks and US bonds covered, so the overlap here is huge. Wellesley's policy is to invest "up to 25% of its assets in foreign securities. I'm not sure if that covers bonds as well as stocks, but at any rate you have some i...
by Kevin M
Thu Mar 23, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Why buy short-term bond funds when you can get 1% in savings acct?
Replies: 29
Views: 2487

Re: Why buy short-term bond funds when you can get 1% in savings acct?

Why even bother to have the 20% in bond funds given the yield premium CDs/savings has over bonds? Why not just do 95% CDs/5% cash or some other combination of just CDs and cash? Because I want to have some exposure to term risk and credit risk, which have both paid off over the last six years, but ...
by Kevin M
Thu Mar 23, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K vs. 401K
Replies: 18
Views: 1027

Re: Roth 401K vs. 401K

You are probably better off making traditional tax deductible contributions to your 401k. Please see the TFB blog post "The Case Against Roth 401k". :thumbsup . Here's the link: The Case Against Roth 401(k) . If you get to the point where you are maxing out 401k and IRA contributions, als...
by Kevin M
Thu Mar 23, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Low ER for 2040 fund
Replies: 3
Views: 224

Re: Low ER for 2040 fund

I believe Fidelity has two families of Freedom funds. The older version holds a hodgepodge of a bunch of underlying funds, so hard to really judge it against a simple benchmark, like a 3-fund portfolio; I don't like these so much. I believe the newer family of Freedom funds is modeled more along the...
by Kevin M
Thu Mar 23, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 4566

Re: Vehicles as a percentage of net worth

I've never had a rule of thumb for this, but during a test drive of a vehicle that was much more expensive than any vehicle I had bought previously, I did a quick mental calculation of the purchase price as a percent of net worth, and that's what pushed me over the edge to buy the car. Rather than g...
by Kevin M
Thu Mar 23, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Why buy short-term bond funds when you can get 1% in savings acct?
Replies: 29
Views: 2487

Re: Why buy short-term bond funds when you can get 1% in savings acct?

You have discovered an advantage that retail investors have over institutional investors. For at least the last 6-7 years you have been able to beat Treasuries of same maturity with deposit accounts, both savings and CDs. My average yield premium over Treasuries of same maturities has been more than...
by Kevin M
Thu Mar 23, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1122

Re: Roth vs. TIRA, am I missing something obvious?

Awesome thank you. So as long as taxes go down considerably (28-25% may be a wash), tIRA is the way to go (no promises there) but if there is any chance of it being the same, Roth is the answer. I'll try to do some more deep thinking/research a and play with the spreadsheets before next months cont...
by Kevin M
Thu Mar 23, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1164

Re: What criteria warrants a need for Living Revocable Trust?

But isn't there still the need for a "pour-over" will (seem to recall that being the term)? So isn't there still probate for any items left in the estate that were never entered into the living trust? If you use something like the NOLO press book to draft your own living trust, you'll pro...
by Kevin M
Thu Mar 23, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1122

Re: Roth vs. TIRA, am I missing something obvious?

So I'd want to do a more refined calculation incorporating the tax drag on dividends to see the impact. See Roth 401(k) vs. 401(k) Spreadsheet Attempt - Critique Please - Bogleheads.org if you'd like to start with something other than a blank sheet. Thanks, that's a good thread. I've done versions ...
by Kevin M
Thu Mar 23, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1122

Re: Roth vs. TIRA, am I missing something obvious?

Don't know a lot about the backdoor Roth specifics, or how having a tIRA could interfere with that. You can read the link provided by FiveK, but basically you make a non-deductible contribution to a tIRA then do a Roth conversion. Currently there are no income limits on doing a Roth conversion, lik...
by Kevin M
Wed Mar 22, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1122

Re: Roth vs. TIRA, am I missing something obvious?

Assuming no mistakes in my calculations, the Roth is slightly advantageous assuming same tax rate on contributions and distributions, even if there is no tax drag in the taxable account; i.e., all returns are long-term capital gains (LTCG) taxed at 15%, with no dividends being taxed annually. Assumi...
by Kevin M
Wed Mar 22, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1164

Re: What criteria warrants a need for Living Revocable Trust?

A competent lawyer will be able to include appropriate trusts for your children, and a parallel set of trusts for your children's shares of your retirement benefits (identical to their trusts for your other assets, but with the special provisions needed to qualify for the stretch). So, do each memb...
by Kevin M
Wed Mar 22, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in Taxable Account
Replies: 15
Views: 764

Re: TIPS Fund in Taxable Account

The HR Block approach sounds sensible. Here's the prior thread.... https://www.bogleheads.org/forum/viewtopic.php?f=10&t=209096 Thanks. Sounds like TaxAct makes it more complicated than it has to be, but perhaps is trying to "help" you more. HRB explains it, but doesn't make you enter...
by Kevin M
Wed Mar 22, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in Taxable Account
Replies: 15
Views: 764

Re: TIPS Fund in Taxable Account

Note that there was a recent thread from a TIPS fund investor whose tax software (TaxAct) was having trouble figuring out how to handle the return of capital. YMMV. Interesting. I had a return of capital "distribution" in the form of a spin-off from an ETF I owned. It was reported on line...
by Kevin M
Wed Mar 22, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 111
Views: 7633

Re: Tesla Model 3 or Chevy Bolt?

If I'm taking a trip, I charge to 90% overnight, but I feel comfortable topping it off to 100% the morning of the trip. I do the same. I'll also often set my max charge to 100% when on trips, so say if at lunch and I get more charge than I need in the time it takes to eat, the car will continue to ...
by Kevin M
Wed Mar 22, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1164

Re: What criteria warrants a need for Living Revocable Trust?

I understand that it is useful to avoid the probate court costs and gives more control and structure to the estate. It also protects someone's assets from litigation. A living trust avoids probate but does not protect assets from litigation or other creditors. I recommend getting the NOLO press boo...
by Kevin M
Wed Mar 22, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Death of grantor/trustee
Replies: 18
Views: 1259

Re: Living Trust - Death of grantor/trustee

Vanguard uses a change of ownership form to transfer the assets into new accounts owned by the successor trustee as trustee of the trust. It's quite easy, but as you note, account numbers will change. Certainly much easier than going through probate, at least in my state (CA). Some estate attorneys ...
by Kevin M
Wed Mar 22, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 111
Views: 7633

Re: Tesla Model 3 or Chevy Bolt?

We go via 84/684/287/Tappan Zee/Garden State Pkway/NJTP/95/495/287 and apart from the Edison one, I really don't see any until I am well on the NJTP. Also parked overnight at Herndon, VA I see no charger around at all. What is the charge time on standard 110V outside plug? Taking these in reverse o...
by Kevin M
Wed Mar 22, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: VWIUX SEC vs Distribution yield [Vanguard Int-Term Tax-Exempt]
Replies: 29
Views: 2120

Re: VWIUX SEC vs Distribution yield [Vanguard Int-Term Tax-Exempt]

My advisor's response; they see a flattening yield curve and a ladder will be more nimble and provide more flexibility to adjust duration and target strategic maturities along the yield curve. What do you think the Vanguard fund managers are doing? Read the annual reports and you'll see that this i...
by Kevin M
Wed Mar 22, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 45
Views: 4182

Re: What's your strategy for withdrawing funds in Retirement ?

This strategy has me confused from a tax perspective. Before starting SS is it not better to pull from IRA/401K to pull down the account while your tax rate is lower? I asked that question 3 years ago when I retired. The answers I got varied but mostly were that it is better to pull from taxable fi...
by Kevin M
Wed Mar 22, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 10
Views: 835

Re: taxable accounts

when rebalancing ... should I consider my taxable account and Roth as 1 entity? ~50,000 total between Roth / brokerage, would 45K stock 5K bond essentially be a 90/10 breakdown? If you want to be precise about it, then no. Since the government shares some of the risk in your taxable account (in the...
by Kevin M
Wed Mar 22, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 10
Views: 835

Re: taxable accounts

Unfortunately, I did pay someone and they advised me to buy more SEI funds. Since all of this money is non-tax deferred, should i do what i think the book says....all into index funds? If all you're interested in discussing is your taxable, then I'd say go with the Total Stock Market Admiral index ...
by Kevin M
Wed Mar 22, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 111
Views: 7633

Re: Tesla Model 3 or Chevy Bolt?

Acton, MA via Edison NJ to Herndon VA At least 4 trips per year. Supercharger density looks quite high along this route. EVTrip Planner shows charging stops at Milford South, Cranbury, and Newark. In an MS 70D with 19" tires, total driving time 7:39, total charging time 1:24, but of course thi...
by Kevin M
Tue Mar 21, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: How much Vanguard Small Cap Value is in Vanguard Total Stock market
Replies: 9
Views: 889

Re: How much Vanguard Small Cap Value is in Vanguard Total Stock market

If you look at the Morningstar style box, small value represents a 3% holding in VTSAX (vanguard total stock market - US). link provided below http://portfolios.morningstar.com/fund/summary?t=VTSAX&region=usa&culture=en-US Not quite. M* only shows 30% of Vanguard SCV (VISVX) in the SCV box:...
by Kevin M
Tue Mar 21, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: How much Vanguard Small Cap Value is in Vanguard Total Stock market
Replies: 9
Views: 889

Re: How much Vanguard Small Cap Value is in Vanguard Total Stock market

I think around or slightly above 7% of Vanguard Total Stock Market's holdings by percentage invested are also in Vanguard Small Cap Value, in case that's what you were actually aqsking. The latter tracks a 85-98% breakpoint benchmark by market cap and then splits value and growth halfway, but some ...
by Kevin M
Tue Mar 21, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: How much Vanguard Small Cap Value is in Vanguard Total Stock market
Replies: 9
Views: 889

Re: How much Vanguard Small Cap Value is in Vanguard Total Stock market

If you look at the Morningstar style box, small value represents a 3% holding in VTSAX (vanguard total stock market - US). link provided below http://portfolios.morningstar.com/fund/summary?t=VTSAX&region=usa&culture=en-US Not quite. M* only shows 30% of Vanguard SCV (VISVX) in the SCV box:...
by Kevin M
Tue Mar 21, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 10
Views: 835

Re: taxable accounts

Question about investing in the most tax efficient investments for savings outside of tax deferred accounts. I contribute the maximum to all of my retirement accounts. I have a large amount of cash that I want to invest in a taxable account. Also want to deposit monthly and reinvest dividends. I pl...
by Kevin M
Tue Mar 21, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: What safe investment vehicle has the highest yield right now?
Replies: 22
Views: 2781

Re: What safe investment vehicle has the highest yield right now?

What dollar value is in the 1% savings account? You can earn 3% on $15K in a rewards checking account. You might be able to do even better, but this is what I earn on the one I use. Reward Checking Account Rates . A week or more ago I would have mentioned a 7-year CD earning 3% with an early withdra...
by Kevin M
Tue Mar 21, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 111
Views: 7633

Re: Tesla Model 3 or Chevy Bolt?

Acton, MA via Edison NJ to Herndon VA At least 4 trips per year. Supercharger density looks quite high along this route. EVTrip Planner shows charging stops at Milford South, Cranbury, and Newark. In an MS 70D with 19" tires, total driving time 7:39, total charging time 1:24, but of course thi...
by Kevin M
Tue Mar 21, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: Challenge: Oldest BOND FUND in Morningstar?
Replies: 45
Views: 15537

Re: Challenge: Oldest BOND FUND in Morningstar?

To view just the impact of changes in yields on returns, it's best to stick with Treasuries. Of course we can't use fund data to go very far back, so the best we can do is simulate the returns. I trust good simulations like this much more than the fund data shared here--there are too many variables ...
by Kevin M
Tue Mar 21, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 45
Views: 4182

Re: What's your strategy for withdrawing funds in Retirement ?

Retired at 55 and have no need to tap tax-advantaged accounts, so will continue to tap only taxable accounts until forced to start taking RMDs after age 70, which now is about five years away. I keep enough in cash to cover foreseeable expenses several months into the future. When I have a taxable C...
by Kevin M
Mon Mar 20, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2.25% High Yield Checking - FSCU
Replies: 11
Views: 1688

Re: 2.25% High Yield Checking - FSCU

I get 3% on $15K, which is the same $450/year as 2.25% on $20K. Like others, I have gone through several RCAs over the years, but the rate on this one has held since October 2011. Not sure if the balance cap has held that long, but it hasn't changed in the last few years we've been using it. There a...
by Kevin M
Mon Mar 20, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 5927

Re: Harvard endowment beats S&P 500 by 2% a year over last 40 years

As others have mentioned, it's easy to find investments that would have beaten the S&P 500 over 40 years or more. For example, US small-cap value (SCV) stocks returned 14.46% compared to 10.18% for S&P 500 from Jan 1972 through Feb 2017. Over that period the compounding resulted in terminal ...

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