Search found 762 matches

by SeeMoe
Tue Mar 21, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 4007

Re: Inlaw Suddenly Wants Financial Security in 60's..

My wife is in touch with this woman in question quite frequently and she has been sharing the above comments with her, and just talking things over, her sudden chronic illness flaring up , the panic and realization it is time to stop working even though she loves her administrative job at a hospital...
by SeeMoe
Mon Mar 20, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4403

Re: Moving from Vanguard to Fidelity (probably)

That would be fair to say per indexing. Still can't see the point of moving from one index fund to another if the fees are similar? It's a headache too transferring in and out of investment companies on an ( apparent) whim... It isn't really a whim, as part of my financial overhaul I'm just questio...
by SeeMoe
Mon Mar 20, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Inlaw Suddenly Wants Financial Security in 60's..
Replies: 27
Views: 4007

Inlaw Suddenly Wants Financial Security in 60's..

She has a few hundred thousand in IRA's/403 , husband passed on, and about $75k sitting in a Money Market account. Still works, but is ready to retire at 69 due to physical issues and wants to invest the $75k now, and the DCP's later. An employee at work advised her to visit a CFP for a $600 dollar ...
by SeeMoe
Mon Mar 20, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4403

Re: Moving from Vanguard to Fidelity (probably)

Don't jump ship without thinking real hard about where you will land, sailor! Go to Reuters News Service and google the explosive article concerning the Johnson Family who Own Fidelity, and their $20+ billion dollar empire. Guess who helped finance that gravy train,...? SeeMoe.. :oops: This seems u...
by SeeMoe
Mon Mar 20, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4403

Re: Moving from Vanguard to Fidelity (probably)

Don't jump ship without thinking real hard about where you will land, sailor! Go to Reuters News Service and google the explosive article concerning the Johnson Family who Own Fidelity, and their $20+ billion dollar empire. Guess who helped finance that gravy train,...?

SeeMoe.. :oops:
by SeeMoe
Sat Mar 11, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Conservative Portfolio
Replies: 18
Views: 1499

Re: Tax Efficient Conservative Portfolio

68 years old, 15% Fed Tax Rate, 3% PA state tax rate. We are retired with a 40/60 AA. 100% bond funds in the T-IRA with a one x year RMD payout. Taxable acount is: tax Managed Capital Appreciation, Total International Stock Index, Exended Market Index, Limited/Intermediate/Pennsylvania tax exempt b...
by SeeMoe
Sat Mar 11, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard Tax-Exempt fund?
Replies: 22
Views: 2146

Re: Which Vanguard Tax-Exempt fund?

For us it's the Limited/Intermediate/Pennsylvania tax exempt funds in our taxable account. Plus some total bond index and a Prime MM . Working out well for us in retirement...with 40/60 folio that needs lots of bonds.

SeeMoe.. :dollar
by SeeMoe
Fri Mar 10, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: About to retire and need to realize 5%/year to live on.
Replies: 71
Views: 6989

Re: About to retire and need to realize 5%/year to live on.

Better keep working until you can collect SS and Medicare. Look into The Vanguard Equity Income fund, total bond index, intermediate term and high yield corporate bond funds for income. Doubt if you will squeeze 5% out of them though. Looks like you have to spend down a little of the principle thoug...
by SeeMoe
Wed Mar 08, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 29
Views: 2260

Re: Traveling to Japan

You would like Mount Fuji and the surrounding countryside and villages. I visited there in the 1950's when the exchange rate was 360 Yen to the Dollar. We traveled by train from Tokyo, and the train is the way to go. If you have time, then head up North. Never got sick eating the food or drinking th...
by SeeMoe
Wed Mar 08, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Asset Placement Turned Upside Down, Bonds in Taxable?
Replies: 51
Views: 3796

Re: Asset Placement Turned Upside Down, Bonds in Taxable?

Despite being in a 15% tax margin , I invest in laddered tax exempt Limited/Intermediate/Pa. Municipal bonds. But I also have a portion in the total bond index fund and PriME MM as well. Just enough taxable so as not to push us into a higher tax bracket...

SeeMe.. :D
by SeeMoe
Tue Mar 07, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and bond recomendations
Replies: 18
Views: 1845

Re: Vanguard and bond recomendations

Not to derail OP's inquiry but, shouldn't majority of investors out there, invest in Vanguard's bond guideline of subtracting your age from 110 to determine amount of bond exposure regardless of market conditions? Do Bogleheads adhere to this recommendation or is it generally ignored? We do, and be...
by SeeMoe
Sun Mar 05, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 784

Re: 15% Tax Margin and Munis in Taxable Account an Oxymoron?

I expect to be in the 15% bracket. The municipal fund that made the most sense to me was Vanguard's High Yield Municipal Fund (VWAHX/VWALX), as I will not be impacted by alternative minimum tax, which keeps the riff-raff out. I will be splitting this equally with treasuries, which backtests as near...
by SeeMoe
Fri Mar 03, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 784

Re: 15% Tax Margin and Munis in Taxable Account an Oxymoron?

What's going on with your conversions to Roth IRAs? It also seems that you don't need such a conservative asset allocation, so you don't need as much in bond funds in a taxable account anyways. Oops, I didn't answer your question: So if you are doing Roth conversions, then sure have tax-exempt bond...
by SeeMoe
Fri Mar 03, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 784

Re: 15% Tax Margin and Munis in Taxable Account an Oxymoron?

What's going on with your conversions to Roth IRAs? It also seems that you don't need such a conservative asset allocation, so you don't need as much in bond funds in a taxable account anyways. Oops, I didn't answer your question: So if you are doing Roth conversions, then sure have tax-exempt bond...
by SeeMoe
Fri Mar 03, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: 15% Tax Margin and Munis in Taxable Account an Oxymoron?
Replies: 8
Views: 784

15% Tax Margin and Munis in Taxable Account an Oxymoron?

Bogle heads Manifesto advises to have tax efficient products in the taxable account, and the opposite is DCP's. Our Flagship assets are about $1.4 million dollars in a 40/60 AA , and our RMD's from our 100% bond funded T-IRA accounts will be about $25k , taken in a lump sum the end of December. Our ...
by SeeMoe
Thu Mar 02, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 3812

Re: Fidelity offers buy outs to reduce workforce

Guess it doesn't pertain to the Johnson Family who have paid themselves handsomely since Fidelity was founded in the late 1940's. Reuters said recently they are worth over $20 billion dollars. Not to mention fund managers like the Contra fund manager who is worth many millions...Just saying. SeeMoe....
by SeeMoe
Thu Mar 02, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Paul Kangas passed away
Replies: 23
Views: 3541

Re: Paul Kangas passed away

linenfort wrote:Saw that, too, and immediately put him in my sig. I miss Paul and Susie as hosts.


Oh, how about " Cassie" Sybert too? A real beauty and foil for Paul as I recall....

SeeMoe.. :P
by SeeMoe
Thu Mar 02, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: Paul Kangas passed away
Replies: 23
Views: 3541

Re: Paul Kangas passed away

Paul and Louis Reukyser of PBS were directly responsible for us beginning our investment programs back in the early 1980's. Both are missed very much.

SeeMoe :(
by SeeMoe
Thu Mar 02, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Building my taxable portfolio from scratch - W&W and 4 funds
Replies: 17
Views: 1106

Re: Building my taxable portfolio from scratch - W&W and 4 funds

There is no way I would hold either W or W in a taxable account. If you want bonds to attenuate the volatility of stocks and this is a taxable account, then you want tax-exempt muni bond funds in taxable. That is, you want to make the equivalent of a tax-efficient W & W for yourself. Seriously....
by SeeMoe
Wed Mar 01, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Where to go when stocks, bonds overpriced
Replies: 53
Views: 4933

Re: Where to go when stocks, bonds overpriced

More bonds , less stock in pension years as you age. By 70+ folio AA should be about 35/65, but if the T-IRA is already 100% bond funds and you are in the 15% tax margin, how do you keep the taxable folio AA @ 35/65? If you have enough pension income to cover expenses, then where do you invest the R...
by SeeMoe
Mon Feb 27, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 76
Views: 5784

Re: How should people factor Social Security into their "magic number" with early retirement?

I factor in Social Security " The Bird in Hand" way no matter if one has a significant pension plan. Take SS soon as possible and invest the money. Don't let taxes get in the way because SS could suddenly be " reduced" in order to save it at anytime! Plus age 70 is getting very ...
by SeeMoe
Sun Feb 26, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 76
Views: 5784

Re: How should people factor Social Security into their "magic number" with early retirement?

I factor in Social Security " The Bird in Hand" way no matter if one has a significant pension plan. Take SS soon as possible and invest the money. Don't let taxes get in the way because SS could suddenly be " reduced" in order to save it at anytime! Plus age 70 is getting very c...
by SeeMoe
Sat Feb 25, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Early Soc Sec or spend down investments/assets?
Replies: 28
Views: 2605

Re: Early Soc Sec or spend down investments/assets?

"A bird in hand" is how I look at SS benefits. Even with good Pensions we took our Social Security as soon as it was available to us and invested it. Don't mind payin taxes either and our investments have grown exponentially over the years. I figured it was better to take the money now bec...
by SeeMoe
Sat Feb 25, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4833

Re: Should we wait before buying in?

I've seen good posts where it is suggested that, say, 1/3 is invested in you choice of funds, then DCA the remainder over a period of months.. Who knows when this Bull Market retreats? I faced this same delimma several times over the years. THe most recent being in 2012 when I DCA'ed for a few month...
by SeeMoe
Fri Feb 24, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ending a special needs trust.
Replies: 10
Views: 1192

Re: Ending a special needs trust.

A special needs trust will give the welfare recipients just enough allowed for by law. Anything over that the state takes. If just a lump sum, then the state will deduct benefits paid out over the years. That is my "laymans" understanding anyway. Be careful for what you wish for....> SeeMo...
by SeeMoe
Thu Feb 23, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 3969

Re: Retirement savings: Lots of $, job prospects weak

How about joining the military for 3 years, and at ETS go to school free! All the while your $1 million is invested in, say, Vanguard total stock market and total international at 60/40 AA. Or do 20 years and have a small fortune , plus what you invested in the Gov. DCP programs. Then go to school f...
by SeeMoe
Thu Feb 23, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7731

Re: New Boglehead Millionaire

Congratulations for a job well done, at a young age too! Personal note: We only began investing in our early 40's when the first T-IRA plans became available, followed shortly by the 457b plans that we took full advantage of due to the tax savings being the big drivers! By our late 50's we too becam...
by SeeMoe
Wed Feb 22, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 4684

Re: Is 60/40 too conservative for 31 year old?

60/40 was our AA goal for about 30 years of investing and the thing is " we slept well at night too!" As you know, " Fear and Greed" rules and can make investors do stupid stuff when either one pops up out of nowhere,...we gradually reduced the AA and just recently it was adjuste...
by SeeMoe
Tue Feb 21, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 58
Views: 4068

Re: How to Split Pension

We both had those options from our jobs when we retired years ago. So we took lower payout options for mutual security down the road of life. Mine will pay her 100% of my pension, and hers would pay me 50% of her pension. It's insurance, and security as we age. Plus we continue investing for securit...
by SeeMoe
Mon Feb 20, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 26
Views: 3520

Re: Thinking of Leaving Vanguard Personal Advisory program

VPAS is one of the best for the money. They say that if one follows their folio recommendations the 0.30% annual fee pays for itself, and then some on a average.....year. Plus they don't panic when bad times suddenly pop up and do dumb panic stuff! Or make rash decisions on a hunch, Etc. Things to c...
by SeeMoe
Sat Feb 18, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 1872

Re: How do you invest the proceeds [from your RMD?]

We take the RMD's on a one time payout at the end of the year from our 100% bond T-IRA accounts, and the monies are automatically deposited into our taxable Vanguard Prime MM account. Our folio is 40/60 now, so during the year, if no big ticket items are on the horizon, those monies go into what is ...
by SeeMoe
Fri Feb 17, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Interesting study on impact of providing investors feedback
Replies: 37
Views: 1519

Re: Interesting study on impact of providing investors feedback

I saw myself in that article over and over throughout my investing years. I finally had a wake up call , for a small fee that paid for itself many, many times over, after 18 years of DIY when I had a 1x folio analysis done by Vanguard Services. My crystal ball investing technique was shattered,..hop...
by SeeMoe
Thu Feb 16, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund vs. Advisor
Replies: 8
Views: 686

Re: Target Fund vs. Advisor

See today's WSJ article by a Harvard Business School professor who says Target Index funds are not structured properly and need constant tweaking by savvy managers , especially when big market swings occur like in 2008. He says they lack Commodities for added safety. That a 50/50 Target Fund has an ...
by SeeMoe
Wed Feb 15, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Does Micheal Kitces Rising Retirement Glidepath Still have legs
Replies: 47
Views: 3880

Re: Does Micheal Kitces Rising Retirement Glidepath Still have legs

Despite generous pensions that are more than enough for our lifestyle, plus the fact we can/do reinvest our end of year RMD's; we have lowered our Glidepath from a conservative 60/40 to the current 40/60 AA model. (Which is considered a bit high in stocks for our ages, mid 70's, but feels ok for us ...
by SeeMoe
Tue Feb 14, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Planning for Retirement: Why do it the recommended way?
Replies: 26
Views: 2630

Re: Planning for Retirement: Why do it the recommended way?

Roth has greater flexibility and it makes financial sense to fill up your Roth while you are younger and likely in a lower tax bracket. Only had the T-IRA back in the early 1980's and we both had one with very significant tax deductions that allowed us to save even more! So now we take the RMD's am...
by SeeMoe
Tue Feb 14, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20903

Re: Wow, Vanguard Flagship service is bad. Really bad.

Jumping the Vanguard Ship for Fidelity over this glitch sounds rather radical and just hurting yourself by going to The Johnson Family of not so cheap funds, in my opinion. Flagship has been good to us, and is a useful tool, but not as spiffy as a high priced Investment Firm ,..charging big fees to...
by SeeMoe
Tue Feb 14, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20903

Re: Wow, Vanguard Flagship service is bad. Really bad.

You need to calm down and chill out a wee bit. With $10 million bucks in assets, surely you have managed to adjust to quirks such as this many times, I would guess. Jumping the Vanguard Ship for Fidelity over this glitch sounds rather radical and just hurting yourself by going to The Johnson Family...
by SeeMoe
Mon Feb 13, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20903

Re: Wow, Vanguard Flagship service is bad. Really bad.

You need to calm down and chill out a wee bit. With $10 million bucks in assets, surely you have managed to adjust to quirks such as this many times, I would guess. Jumping the Vanguard Ship for Fidelity over this glitch sounds rather radical and just hurting yourself by going to The Johnson Family ...
by SeeMoe
Mon Feb 13, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay Vanguard for "extra" advice?
Replies: 9
Views: 1230

Re: Should I pay Vanguard for "extra" advice?

VPAS is very competitive, and then then some, with a " human" advisor to talk to and discuss your investments, wants and needs. They say that you will still come out ahead of the game on average despite the fair fee advertised. I think they are correct too,....(if) you follow their recomme...
by SeeMoe
Sun Feb 12, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4276

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

If you can scrape another $2 million then you'd qualify for the Vanguard Flagship Select top deck berth! Which has CFP and CFA associates at your service with many other investment ideas and perks available to you also. Just saying.....as it is , you are now entitled to be a Vanguard Flagshipper wi...
by SeeMoe
Sun Feb 12, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4276

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

If you can scrape another $2 million then you'd qualify for the Vanguard Flagship Select top deck berth! Which has CFP and CFA associates at your service with many other investment ideas and perks available to you also. Just saying.....as it is , you are now entitled to be a Vanguard Flagshipper wi...
by SeeMoe
Sat Feb 11, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: 69 year old getting nervous
Replies: 12
Views: 4333

Re: 69 year old getting nervous

One thing I would consider changing is the T-IRA account over to 100% bond funds as your RMD Draw-down approaches. That is what a CFP recommended we do, and it is working out well even though we " fell in love" with a fund which we had to exchange such as you mention in the Wellington fund...
by SeeMoe
Sat Feb 11, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: 3 million in cash. Target Retirement Income or Target Retirement 2015
Replies: 38
Views: 4276

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

If you can scrape another $2 million then you'd qualify for the Vanguard Flagship Select top deck berth! Which has CFP and CFA associates at your service with many other investment ideas and perks available to you also. Just saying.....as it is , you are now entitled to be a Vanguard Flagshipper wit...
by SeeMoe
Fri Feb 10, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Total Bond is safe. Is it prudent?
Replies: 39
Views: 3990

Re: Total Bond is safe. Is it prudent?

Curious if anyone uses Intermediate Term Bond (VBILX admiral, BIV etf, ER .09) instead? Looks like it uses a 50/50 split on government/corporate. Yes, I have 25% of my bond funds in our T-IRA folios(they are 100% bond now in the payout RMD phase)intermediate investment grade fund, 35% in the total ...
by SeeMoe
Fri Feb 03, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Withdrawal
Replies: 8
Views: 1206

Re: Required Minimum Withdrawal

cheese_breath wrote:Correct. You can't mix IRA and 401K RMDs.


Interesting news. I just assumed one could combine the two like we did with our 457b DCP's when we retired and transferred them over to our T-IRA plans...

SeeMoe.. :annoyed
by SeeMoe
Thu Feb 02, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 19030

Re: Vanguard's Wellesley Income fund is incredible

Thanks for the information. I did well over the years with Equity Income in my T-IRA account. Then was advised to go all bond funds now that RMD's have started. Feel ok with the all bond folio now. SeeMoe.. :beer Out of curiosity, why 100% bonds? You must be well ahead of the game if you can afford...
by SeeMoe
Wed Feb 01, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 19030

Re: Vanguard's Wellesley Income fund is incredible

Thanks for the information. I did well over the years with Equity Income in my T-IRA account. Then was advised to go all bond funds now that RMD's have started. Feel ok with the all bond folio now. SeeMoe.. :beer Out of curiosity, why 100% bonds? You must be well ahead of the game if you can afford...
by SeeMoe
Wed Feb 01, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 19030

Re: Vanguard's Wellesley Income fund is incredible

The Vanguard Equity Income fund is another excellent income fund. From the Vanguard website on Vanguard Equity Income Fund VEIPX: This fund is designed to provide investors with an above-average level of current income while offering exposure to the stock market. Since the fund typically invests in...
by SeeMoe
Wed Feb 01, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 19030

Re: Vanguard's Wellesley Income fund is incredible

I'm not sure this would be a comparable fund to Wellesley for retirees, who want/need less volatility. The Equity Income fund uses dividends for income and appears to move up and down along with the S&P 500. I agree. From 1989 through 2016, the CAGR of VWINX was 8.99% and VEIPX was 10.05%, a de...
by SeeMoe
Mon Jan 30, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 112
Views: 19030

Re: Vanguard's Wellesley Income fund is incredible

The Vanguard Equity Income fund is another excellent income fund.

SeeMoe.. :dollar

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