Search found 4360 matches

by Noobvestor
Tue Feb 21, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 943

Re: Long term treasury ? Pros and Cons

But does barbelling here make sense? Seems like the anti-sweet spot to me, if you want intermediate-term exposure on average. I'd need to think more about it and check more data, but on a very quick check the last ~15 years: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&s=y&tim...
by Noobvestor
Tue Feb 21, 2017 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Long term treasury ? Pros and Cons
Replies: 15
Views: 943

Re: Long term treasury ? Pros and Cons

I agree w/Dancer - I see the appeal of long bonds to hedge downturns, but you can barbell and get some of each: short bonds that will hold up to inflation and long bonds that will help with deflation, all at an average duration that is somewhat more reasonable than just long bonds. I personally stic...
by Noobvestor
Wed Feb 15, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Another way to develop an understanding is to work through the Schedule D worksheet or Capital Gain and Qualified Dividends worksheet, and pay careful attention to how the numbers that are taxed at 15% (QD & LTCG and ordinary income) change as you add income. If the article Kevin M referenced d...
by Noobvestor
Wed Feb 15, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 630

Re: C corp investment strategy

I can't speak to C-corp taxation strategies, but I would be sleepless with so much riding on one company They own a business. The big Apple position is like a very successful division. Why would business people stay up nights worrying about the possibility of a successful division of their company ...
by Noobvestor
Wed Feb 15, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3356

Re: why invest internationally?

So are you investing in Australian and South African stocks? Or are you hoping that Japan, the U.K., and France will carry the day over the next decade? I have a globally diversified portfolio, including all of the countries mentioned and many others. I do not only invest in the particular countrie...
by Noobvestor
Tue Feb 14, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 630

Re: C corp investment strategy

Thanks for the reply. The only reason we're not sleepless is because we were never really counting on this to begin with, for better or worse, the investment account has never been factored into our business plans. Yeah, maybe selling across multiple tax years so we don't have to either issue a lar...
by Noobvestor
Tue Feb 14, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 4
Views: 535

Re: Portfolio Advice

Hard to say much without knowing expense ratios, but a target date fund probably makes sense for the 401k. Would recommend bonds and international diversification in general, given everything right now is in US stocks. I don't see any need, though, to change what's in the taxable account and add tax...
by Noobvestor
Tue Feb 14, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: C corp investment strategy
Replies: 11
Views: 630

Re: C corp investment strategy

I can't speak to C-corp taxation strategies, but I would be sleepless with so much riding on one company, especially (bias alert) a company that can't seem to think of anything more innovative these days than paying out dividends. What does the tax bullet look like if you just sell it all? I can't i...
by Noobvestor
Tue Feb 14, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Re: highest growth in Roth - OK, sold. If your properly adjust for risk, it does not matter whether highest growth is in Roth or traditional. Read this: Tax-adjusted asset allocation - Bogleheads . You have 100% of the risk of stocks in Roth, while in tax-deferred your risk is less, because the gov...
by Noobvestor
Mon Feb 13, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8387

Re: How Much Cash Do You Actually Hold?

Cash is a zero-duration bond for me, so I hold it at variable amounts depending on target bond duration. The idea of it as a separate asset class is a bit weird to me personally, unless you're thinking of it as being outside a long-term portfolio (e.g. an emergency fund). Right now cash yields are a...
by Noobvestor
Mon Feb 13, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Nevada - Wait or Sell Equities?
Replies: 5
Views: 614

Re: Moving to Nevada - Wait or Sell Equities?

As you say, the market can move that much in a day. If it's all equities and it's going to be used in the next year, I'd sell sell sell - for that horizon, all (if any) equities is really not appropriate. On the plus side, equities have done well recently, so you should be able to offset those taxes...
by Noobvestor
Mon Feb 13, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

I spent way too long thinking about this, and reading that article over. But I think I can picture it now. You put an (ordinary income) dollar in the stack below the line. It gets taxed at 15%. But it also pushes the whole stack up, and another (different, cap gains) $1 that was being taxed at 0% is...
by Noobvestor
Mon Feb 13, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

For MFJ under 65 and no dependents, traditional may still be better for most (in that $1,000,000 is needed to generate $40K/yr at which the marginal rate hits 15%). Of course all this assumes current tax law.... Current takeaways: 1) I should probably get married. 2) I don't understand marginal tax...
by Noobvestor
Mon Feb 13, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Do you have records for the share costs? Ultimately the IRS holds you responsible for the correct basis, covered or not covered. Fidelity will let you provide your own share bases if Fidelity doesn't have them. The 1099 that goes to the IRS won't list uncovered share bases, but Fidelity's tools wil...
by Noobvestor
Mon Feb 13, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Sorry - it does say that in cells P59:P60 and I'm just used to doing it without thinking.... No worries - I should have read around to see. Very steep learning curve for me on (non-trivial) spreadsheets. Cell Q6 in the spreadsheet. Got it. Great question. The answer lies in the Qualified Dividends ...
by Noobvestor
Mon Feb 13, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3356

Re: why invest internationally?

Hasn't Mr. Bogle made claims that there's really no need to own International Stocks?? I thought it was documented that he thought it best to own American based investments, is this true? If you had 50k in 1980, 1985, and 1990, and you invested 100% in American owned funds versus another person inv...
by Noobvestor
Mon Feb 13, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

In short: I'm scared of tax lots. Prior to the advent of "covered shares", there was some justification for that. If you don't have any shares more than a couple of years old, then the brokerage holding them has your cost basis and selling your "high cost basis" shares first is ...
by Noobvestor
Mon Feb 13, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

ready outlined in bold) and set* Data>What-If Analysis>Data Table>Column Input Cell to B25 Whew. That took me longer than it should have. Had to unprotect the sheet - got hung up for a bit. Got it now. The tIRA withdrawal is taxed at 10% once you exceed the standard deduction + personal exemption o...
by Noobvestor
Mon Feb 13, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

SEP IRA AND 401k contribution? Do you have two jobs? More or less. I have a business I run on the side - the SEP is tied to that. In most cases, you can put away more money with Individual / Solo 401K versus SEP IRA. You may want to look into this. From what I understand it would be the same in eac...
by Noobvestor
Mon Feb 13, 2017 1:08 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 250
Views: 8820

Re: Your USER NAME...what does it mean?

It means I lack foresight.
by Noobvestor
Mon Feb 13, 2017 12:59 am
Forum: Forum Issues and Administration
Topic: Site OFFLINE TODAY, Saturday, at 4 PM Eastern (21:00 UTC)
Replies: 32
Views: 2299

Re: relocation [Bogleheads website temporarily relocated]

Good question, as an engineer would have the same questions for an investing forum, e.g. What does Index fund mean? :) Here you go: What is a Colocation Facility? Update: I corrected the thread title to say that the website has moved to a different server. That is interesting, I imagined a home ser...
by Noobvestor
Mon Feb 13, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

Holy smokes folks - this is a rabbit hole and a half. Thanks all for the responses! I just spent half an afternoon combing through links in this thread and tooling over spreadsheets. I'm ... having serious doubts about this whole Roth 401(k) thing now. Inline responses below, but big picture: 1) Pro...
by Noobvestor
Sun Feb 12, 2017 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Putting 1 million to work short term (3-4 years))
Replies: 14
Views: 2391

Re: Putting 1 million to work short term (3-4 years))

Don't forget that half the market is international (50/50 Total Stock/Total International is a good starting point). Sounds like a good plan re:splitting house savings from portfolio pieces. I'm right there with you, meanwhile, on Cali taxes. moved here from a high-tax state too. sigh. Munis have ri...
by Noobvestor
Sun Feb 12, 2017 3:41 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

If you never contributed another dollar to a traditional account, what do expect your marginal withdrawal rate would be? See post Agrument for ROTH 401K - Bogleheads.org for a similar analysis. You'll have to put some numbers to it unless you want to save time and just flip a coin. ;) Thanks for re...
by Noobvestor
Sat Feb 11, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Putting 1 million to work short term (3-4 years))
Replies: 14
Views: 2391

Re: Putting 1 million to work short term (3-4 years))

You could treat whatever you have coming in the future (that $800K, give or take) as either (a) non-existent or (b) stock (i.e. high risk) and factor your portfolio accordingly. Anything you're going to spend soon on a house should probably stay in cash or CDs, not treated as an investment. The ques...
by Noobvestor
Sat Feb 11, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2423

Roth vs. Traditional 401(k) for someone with LOTS in taxable?

So I've been revisiting the question of Roth vs. Traditional and reading a lot of threads, running numbers, etc... but my situation is a bit different from what most people are talking about. Basically, I'm slowly moving as much money as possible from taxable accounts to retirement accounts and tax-...
by Noobvestor
Sat Feb 11, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 6606

Re: Theory on whether to go Roth 401k

I don't need to use the spreadsheet or figure out why it isn't working. I am pretty confident in the articles and work I have done on this subject. As far as the wiki, I have looked at it before and I can see nothing really wrong with it, in fact it supports exactly what I have been saying: If your...
by Noobvestor
Sat Feb 11, 2017 2:00 am
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4157

Re: 3 million in cash. Target Retirement Income or Target Retirement 2015

How about something like: 25% Vanguard Total Stock 25% Vanguard Total International 25% Vanguard Inflation-Protected Securities 25% Vanguard Intermediate-Term Tax Exempt More tax-efficient than either of the options you're asking about, and similar composition of stocks/bonds. thanks for the help. ...
by Noobvestor
Fri Feb 10, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 6606

Re: Theory on whether to go Roth 401k

Noob, You don't need a calculator to know that it doesn't matter what return is in which account. You can do this math on a napkin. Earn $5,000 and put it in apple stock earning 20% a year for 30 years and then withdraw it at a 25% tax rate - what do you have left. Earn $5,000 and put $3750 (the af...
by Noobvestor
Fri Feb 10, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4157

Re: 3 million in cash. Target Retirement Income or Target Retirement 2015

How about something like:

25% Vanguard Total Stock
25% Vanguard Total International
25% Vanguard Inflation-Protected Securities
25% Vanguard Intermediate-Term Tax Exempt

More tax-efficient than either of the options you're asking about, and similar composition of stocks/bonds.
by Noobvestor
Fri Feb 10, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 6606

Re: Theory on whether to go Roth 401k

Based on all the math I've seen, it seems that the only way that the Roth will even come close to tax deferred accounts is if you either have significant assets already and/or your retirement income will be greater than your career income. I don't see how you'll come out ahead with the Roth if the ...
by Noobvestor
Wed Feb 08, 2017 1:15 am
Forum: Investing - Help with Personal Investments
Topic: What expected % return should a longterm investor use?
Replies: 73
Views: 9140

Re: What expected % return should a longterm investor use?

An observation: On this board, one of the interesting/curious things is that there are two seemingly contradictory biases: First, that this day/week/month/year is not special, and that one should pick an AA that fits their risk profile and stick with it, regardless of market gyrations; Second, that...
by Noobvestor
Wed Feb 08, 2017 12:14 am
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 6606

Re: Theory on whether to go Roth 401k

Roth 401k lets you put away more money in tax-advantaged space. Say what? "No, that's crazy! Both options allow 18K/year" you say! But wait, there's a catch: the 18K that goes into a traditional 401k is pre-tax, so that's 18K that will be taxed later. The 18K that goes into a Roth is post...
by Noobvestor
Tue Feb 07, 2017 2:31 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio
Replies: 1
Views: 409

Re: 3 fund portfolio

As far as the standard vanguard 3 fund portfolio VTI BND VEA Any suggestions as a replacement for the (VXUS/VEA/VEU) component? Even tho I have the majority of my investments in the 3 fund portfolio, I question if its a good idea to keep on investing in a fund that still hasn't recovered its losses...
by Noobvestor
Tue Feb 07, 2017 2:22 am
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 6606

Re: Theory on whether to go Roth 401k

Roth 401k lets you put away more money in tax-advantaged space. Say what? "No, that's crazy! Both options allow 18K/year" you say! But wait, there's a catch: the 18K that goes into a traditional 401k is pre-tax, so that's 18K that will be taxed later. The 18K that goes into a Roth is post-...
by Noobvestor
Tue Feb 07, 2017 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Why Wouldn't You Want International Stocks?
Replies: 92
Views: 6809

Re: Why Wouldn't You Want International Stocks?

For a forum of people who believe in total-market indexing I always find it weird when folks strongly defend holding only half the available market. Currency risk cuts both ways - could help or hurt, has been shown to be largely a wash over time. Political, economic and geographical risks may pay of...
by Noobvestor
Tue Jan 17, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3001

Re: Treasury Direct Account Locked

Unfortunately my dad set up my account so my security questions aren't what I would have picked. On top of that some have spaces that I would have avoided (probably by answering other questions). It's a pretty poor system - short of writing down the security answers (which reduces security) there is...
by Noobvestor
Mon Jan 16, 2017 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in Series I Savings Bonds
Replies: 9
Views: 1020

Re: Emergency Fund in Series I Savings Bonds

If I were building a 9K emergency fund I'd probably put something like 6K in I Bonds over the course of a year and 3K in checking/savings. Why some in checking? Because you might need it overnight for whatever reason, and I Bonds may take a bit longer to cash out. My ratios are just back-of-napkin -...
by Noobvestor
Wed Nov 30, 2016 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I consider EE Savings Bond (double in value in 20Y)?
Replies: 9
Views: 1489

Re: Should I consider EE Savings Bond (double in value in 20Y)?

I'm 30-something *might* stop buying EE bonds when I'm at retirement-age-minus-20 - to me, they may be particularly useful if I want the funds in the years leading up to but before I can take money out of retirement accounts (sort of a pre-retirement ladder). That's when it made the most sense - fo...
by Noobvestor
Tue Nov 29, 2016 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Should I consider EE Savings Bond (double in value in 20Y)?
Replies: 9
Views: 1489

Re: Should I consider EE Savings Bond (double in value in 20Y)?

I am a yearly buyer of Series I and Series EE savings bonds. I like the flexibility and tax-deferred properties of the I Bond (and may like the returns depending on what inflation does in the coming years). I also like the higher-than-market yield on EE savings bonds held until doubling. I'm 30-some...
by Noobvestor
Wed Nov 23, 2016 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?
Replies: 5
Views: 611

Re: Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?

Crud - one more question: Will the redemption fee apply? "1% if held < 90 days"

On the one hand, I held these at Fidelity for longer. On the other hand, I half-assume they probably use the rollover date to reset the clock. Ideas?
by Noobvestor
Wed Nov 23, 2016 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?
Replies: 5
Views: 611

Re: Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?

Thanks all - @robert - I do have the upgraded account structure but still won't give me an exchange option for Fidelity-to-Vanguard funds. @tfb - this seems to be the case - can only exchange w/in fund family. @dale - True - it's a one-time thing - I just hate messing with stuff right now given slig...
by Noobvestor
Tue Nov 22, 2016 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?
Replies: 5
Views: 611

Vanguard ROTH: Non-Vanguard fund - can't exchange - have to sell?

I recently rolled my Roth out of Fidelity to Vanguard. They kept me in the same funds I was in before (Spartan index funds) in the process. So the funds are now at Vanguard but still in Fidelity mutual funds. I was going to swap those for Vanguard funds, but it tells me I can only exchange within th...
by Noobvestor
Mon Sep 19, 2016 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: IRS calling?
Replies: 7
Views: 911

Re: IRS calling?

Pro tip: if they are calling, they are not the IRS. The IRS does not call unscheduled. Ever.
by Noobvestor
Sat Aug 20, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market (Settlement fund) - quick question
Replies: 13
Views: 2933

Re: Vanguard Prime Money Market (Settlement fund) - quick question

I feel like I don't get the point of this change (as a default, sure, but why force it when I can manually move the funds at any time?). I'm half-tempted to just move money (1-2% of portfolio at any given time) from the Federal to the Prime manually to get the higher rate, but am too lazy for that ...
by Noobvestor
Sat Aug 20, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on International Investing at Bogleheads 11
Replies: 63
Views: 9026

Re: Jack Bogle on International Investing at Bogleheads 11

What efficient market theory tells us is that knowing that the US has better governance than say Argentina, doesn't tell us which stock market will outperform *from the current valuation*. You are paying 2-3x as much for $1.00 of US earnings (even if earned by a Latin American subsidiary) as you ar...
by Noobvestor
Sat Aug 20, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13529

Re: The True Cost of Owning a Dog

For us part of the hidden cost has been not just the explicit pet fee but the limited options for finding housing with a dog in the first place. When looking for apartments in a new city not long ago, we had to cross out between 80 and 90 percent of listings because dogs weren't allowed in general o...
by Noobvestor
Sat Aug 20, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) w/Match + Small Biz SEP IRA = ?
Replies: 5
Views: 393

Re: 401(k) w/Match + Small Biz SEP IRA = ?

Right, to clarify: the SEP contributions I make are all employer contributions (I'm 98% sure of this). I should mention the LLC has no employees so nothing to add complexity/cost on that front. So far it sounds like I'll be able to contribute $18K to the 401(k) + whatever I would normally contribute...
by Noobvestor
Sat Aug 20, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) w/Match + Small Biz SEP IRA = ?
Replies: 5
Views: 393

401(k) w/Match + Small Biz SEP IRA = ?

Simplified scenario: I have an SEP IRA for a business (single-member LLC) that earns $100,000/year. Each year I max this out. I also have a new job with a 401(k) where I earn $100,000/year (the 401(k) options are fine - solid core Vanguard funds.) The job matches 100% of first 3%, 50% of next 2% (so...
by Noobvestor
Mon Aug 15, 2016 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Is Warren Buffet Right About The S&P 500?
Replies: 34
Views: 6421

Re: Is Warren Buffet Right About The S&P 500?

It could do fine ... but why risk it? There are international stocks and bonds out there. If the US market does horribly for a while (see: 2000 to 2010) you could be drawing down without any recuperation and really suffer for it. There's no reason to take those market/stock-specific risks. Will it w...

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