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Shopping around for mortgages is so popular these days that many people can be excused for thinking that switching lenders is the only way to save money on your home loan. But there is a much easier way that does not require phone calls, computers connected to the internet, or trips to your bank or building society.

Did you know, for instance, that making overpayments on your mortgage can slash thousands of pounds off your interest bill? Additionally, it will cut the length of time taken to repay your home loan so you get to own your home sooner.

Imagine, say, that you have a 100,000 repayment mortgage, with a 25-year term and an interest rate of 6%. Your monthly payments will be 644, and after 25 years you will have paid back a total of 193,290. In other words you will have paid back 1.93 for every pound borrowed.

If, however, you were to overpay your mortgage by just 50 each month, your total payment would be reduced to 177,279 -- a saving of over sixteen grand in interest. Furthermore, this overpayment shortens the length of the mortgage by 45 months, which means almost four extra years of bliss.

Its is worth being prudent though and ensuring that your will not be penalised by your lender for changing your standing order or making overpayment. In the main, most flexible mortgage lenders will allow you to make overpayments of up to 10% each year. But if your lender doesn't allow this, you have another trick up your sleeve!

Lessening the term of your mortgage from 25 years to 21 years would increase your payments in exactly the same way as overpaying by 50 each month. Mind you, this is a much harsher way to do it because payments are fixed. However, it doesn't prevent you from increasing your term again, should you need to, by simply writing to your provider.

At the end of the day, paying off your mortgage early is simply the best and least risky ways of saving money. By making overpayments to your mortgage of around 6%, your money would be working harder than if you had invested it into a savings account with 7% earnings.5% for a basic-rate taxpayer. For a higher-rate taxpayer, this risk-free and tax-free rate is equivalent to 10%, which is practically unbeatable!

Many people forget that even though we sign up for a 25-year mortgage term there is no earthly reason why we have to stick to this. If you have any extra cash each month, using it against your mortgage can make a huge difference and it can save you thousands of pounds in interest each year.

Good luck on removing that mortgage millstone from around your neck!

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Background Information to the United Arab Emirates and Dubai: -

Dubai is one of the seven states that make up the United Arab Emirates (UAE); it is located in the Middle East. The UAE borders the Gulf of Oman and the Persian Gulf and is situated between Oman and Saudi Arabia. The United Arab Emirates was formed in 1971 by the then Trucial States after their independence from Britain.

The UAE is governed by a Supreme Council of Rulers, the council is made up of the seven emirs and they appoint the prime minister and the cabinet for the country. Despite being ultimately ruled by the Supreme Council, as with the other six states, Dubai maintains a large degree of autonomy from the UAE when it comes to general decision making for the citys development.

Oil was first discovered in the United Arab Emirates in the 1950s, before that the countrys economy was built on fishing and pearling, since 1962, when Abu Dhabi became the first of the emirates to begin exporting the oil, the country's economy has been completely transformed.

Sheikh Zayed, who has been the president of the UAE since its inception, quickly understood the economic potential for the country from the oil industry. He has continued to ensure that each of the emirates benefits from the oil generated wealth, he has insisted on the reinvestment of oil revenues into the healthcare system, the education system and the general national infrastructure.

The development of the oil industry has led to a large influx of foreign workers to the UAE, in fact Dubais population is the fastest growing in the world and the foreign population makes up about three quarters of the entire UAE population! As a direct result of this fact the UAE is one of the most liberal countries in the Gulf, with other cultures and beliefs tolerated. Dubai has also been quick to understand the need for diversification. Oil in the region is only projected to last for about 30 years and so Dubai has successfully embarked upon a major diversification program aimed to at developing industries and commercial enterprises to take the place of oil as the predominate commodity of the state's economy.

The climate in Dubai is sub-tropical and arid or desert like. The city enjoys almost year round sunny blue skies. Rain is infrequent and if it does fall, it falls in the winter.

Temperatures range from lows of 10C to extreme summer highs of 48C. The average maximum daily temperature in January is 24C and the average maximum daily temperature in July is 41C when humidity is very high.

About the city of Dubai

Dubai is recognised as the commercial and tourism capital of the UAE and is globally regarded as one of the most sophisticated, futuristic and cosmopolitan cities in the world, in fact Dubai is something of a phenomenon! It is an Arab Muslim society with the fastest growing foreign population in the world, and it has successfully developed harmony through ethnic diversity. It is a city with unrivalled levels of economic energy and architectural ambition, a unique city of contrasts where the most modern and architecturally stunning skyscrapers stand alongside traditional beautiful Arabic structures.

The experiences and attractions available in Dubai are many and varied. From the miles of immaculate beautiful white sandy beaches to the richly exotic Arabian heritage, from the awe inspiring majesty of the desert to the lively international bars, restaurants and nightclubs a visitor to Dubai is guaranteed an incredible, never to be forgotten experience.In 2003 Dubai was voted safest holiday destination in the world by Conde Nast Traveller magazine, and in fact Dubai is recognised globally as one of the safest cities in the world. Living in Dubai you will find that it is virtually crime-free with the Dubai police ensuring personal safety and security. Anyone found guilty of committing a serious crime will be severely punished. Alcohol and drug related offences are considered serious.

The economy of the city of Dubai is a mainly service-driven economy, with every business amenity from banking to telecommunications offered. International trading and industrialisation are actively encouraged through the provision of favourable taxation advantages, offshore status, specialist free trade zones etc. Recent innovative projects in the city include the foundation of Dubai Media City and Dubai Internet City, bringing 21st century technology to Dubai in the world's very first Free Zone wholly dedicated to e-business.

Day to Day Life in Dubai

Accommodation

If you are considering moving to Dubai one of your first thoughts will no doubt be finding somewhere to live. This is not something youll find too tricky, there are many companies advertising rental accommodation in the classified sections of local newspapers and they offer everything from private villas to luxury apartments or even shared accommodation. Whatever your budgetary and lifestyle requirements are, the specialist relocation and housing companies will be sure to have something to assist you. If you prefer to find your accommodation privately and avoid any agency costs, many people use supermarkets notice boards to advertise or request accommodation.

In terms of which areas of the city offer the type of accommodation you are after, Jumeirah, Umm Sequiem and the Safa Park area are upmarket and offer villa-type accommodation. Satwa and Garhoud also offer villas but are slightly cheaper. Rashidiya, Mirdif and Al Quoz are mainly Arabic areas and they actually attract a lot of expats.

If you are after an apartment the most popular areas are around Bur Dubai, the Sheikh Zayed Road with cheaper flats are available in Deira, Satwa and Karama. Some of the more exclusive apartment developments offer shared gym and pool facilities together with garaged car parking and the like.

Education

If you are considering moving to Dubai with family and are interested in finding out about the education system and the availability and quality of schools, one of the best ways is to ask around! Because of the numbers of expats in Dubai there is actually a large number of primary and secondary schools from which you can to choose. Most schools are private fee paying schools and really the best way to get an idea of the reputation of a school is to ask friends, colleagues and other expats who live in Dubai. Many of the schools also have their own websites where you can learn about the curriculum they follow, after school programs etc.

When it comes to enrolling your child in the UAE there are a few restrictions you should be aware of. For example you are not allowed to change your childs school during the academic yearunless approval is given by the Ministry of Education and the circumstances are special. This means that you have to make sure the school you choose for your child will definitely suit them. Another restriction you should be aware of is that is you move to Dubai on or after the 1st May each year you cant enrol your child into the schooling system for that year. Instead youll have to enrol for the beginning of the new school year which is usually the beginning of September.

Health

Another consideration you may have if thinking about relocation to Dubai may be the state of the health care system available there. It is fair to say that Dubai has many very well equipped hospitals and surgeries. Dubais Department of Health and Medical Services runs Dubai, Rashid, Maktoum and Al Wasl hospitals, with Dubai Hospital one of the best medical centres in the entire Middle East. Al Wasl is a maternity and gynaecology hospital.

The Department of Health also run out patient clinics or surgeries and in addition there are a number of quality private hospitals in Dubai offering in and out patient facilities e.g., The American and Welcare Hospitals. Overall both the private and publicly offered health care services in Dubai are first class.

Working

Working in Dubai you will enjoy a tax free salary and all shop goods can be bought at tax free prices, making it an incredibly attractive city to international workers and international companies. Job opportunities in Dubai and diverse and plentiful, particularly since the additions of the Media and Internet citiesDubai is a city expanding its horizons at an unrivalled rate.

It is important to mention that some countries worldwide have tax laws enabling them to tax their nationals on their worldwide income. It is important to check your status with an international accountant before taking up employment in the city.

Lifestyle

Dubai has a thriving expat population who make the most of their tax free lifestyle in this amazing city of opportunity. The nightlife in the city is excellent, with cocktail bars, wine bars, themed bars and typical British or Irish pubs available, many of which offer food and entertainment as well.

High standard international cuisine is available in the citys many restaurants and if you are looking for lively evening entertainment there are numerous night clubs around the city. Some of the clubs attract international DJs; there are also Middle Eastern, Indian and Asian nightclubs offering entertainment with singers and dancers. Dubai also welcomes international touring singing and entertainment acts which cater to all tastes and agesfrom traditional theatre groups to ballet, from opera to international rock and pop bands - all are regular visitors to the United Arab Emirates.

You can be assured of an exciting pace of life in Dubai and a high standard of living.

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Colour plays a vital role in packaging as is easily observed in a supermarket. The colour of a package transforms it into an effective silent persuader: it captures attention, exhibits the product and differentiates it. The marketer must determine his targets reaction to different colours. The dominant colour or colours chosen for the package must therefore not only be eye-catching, but must also convey an appropriate message. Communicating a message through the use of colour is an interesting but complicated process.

Colour perception is controlled by the human brain and not the eye. Pigments in the eye help to determine the colour and appropriate impulses are transmitted from there to the brain. The science of colour can best be described as the science of light. The sensory perception of colour depends on the wavelength of the light beams entering the eye. Colour-psychology is not primarily interested in how colours are produced or formed, but rather in the results or the effect colour has on the human being.

Colour preference differ from target market to target market and also over time. Colour preference is influenced by the concepts associated with each colour. A societys traditions have strong influence on this association and on the acceptance of colour for various purposes, for example, blue for a boy and pink for a girl. It is interesting to compare these associated concepts with the message the marketer wishes to convey and the products image. Bright colours such as orange, red and yellow are inclined to influence the autonomous nervous system including the digestive system. In experiments with animals it was found that red and yellow light stimulated hunger.

The Rorschach (ink blot) test shows that people who are emotionally receptive react freely to colours. Colours in the colour spectrum are generally associated with two types of emotion: on the one side there are the warm, active and exciting qualities of red, orange and yellow and on the other side the passive qualities of blue, violet and green. Most colours which contain red or yellow are seen to be exciting.

Apart from having an emotional influence, colours can influence physical reactions. Human responses are for example 12% faster than normal under red lighting. Different experiments also showed that warm colours like red are better attention-getters than cool colours such as green or blue. Some colours are more visible over a longer distance than others and sometimes a combination of colours can influence the visibility (or legibility) of a package design. In a supermarket environment artificial lighting may influence the perception of a colour on the package and must be taken into consideration in the design and testing.

Yellow or white objects appear larger than red, green or blue objects. Products which have red packaging also appear to be heavier than packaging with other colours. That is why red clothing is not recommended for overweight people.

Colour can also convey certain symbolic values which may influence consumers unconsciously. The colour scheme, for instance, must be considered carefully. It must be attractive with visual imapact - but the psychological meaning of different colours must also be kept in mind. Purple for example, has visual impact but unfortunately it has a negative connotation for some consumers who associate it with mourning. Green is not an appropriate choice for meat products but in canned vegetables it may create the idea of freshness.

It is evident that the different aspects of colour play an important role in marketing and packaging a product. Each colour has a unique ability to influence and persuade consumers to react to buying a certain product. It is interesting to note how often bright colours like red are used in packaging and other promotional material.

Andrew Smit - http://www.turtleherbestate.co.za where you will find Global solutions and ideas. Turtle Herb Estate Holdings consists of 3 forward thinking entrepreneurs with expertise in marketing & DTP advertising, farming culinary and medicinal herbs, web design and online marketing, horse breeding (sport horses),we embrace a holistic approach to entrepreneurship.Exclusive Mortgage Leads
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The real estate market has been showing signs of slowing and more and more properties are advertised for sale; however, one real estate transaction type is gaining in popularity and that is the "seller second". In such a scenario, the seller holds a second mortgage allowing the buyer to purchase the home with little or no-money-down. The down payment or a portion thereof is effectively financed with the "seller second".

Since the first mortgage balance will be less than 100% of the sale's price, there is a lower inherent risk to the first mortgage lender who in turn is willing to approve a buyer who would otherwise not qualify for a no-money-down first mortgage. This dramatically increases the pool of potential buyers and that leads to a quick sale in today's market.

Typical minimum credit score requirements for a no-money-down loan are 580 or above; but, with the assistance of a 5% (5% of the sale's price) "seller held second", a buyer can purchase a home with a 550 credit score. With a 20% seller held second, a buyer with a 500 credit score can buy a home no-money-down. With a 35% seller held second, there are no credit score requirements for the buyer.

After closing, the buyer will have two monthly mortgage payments, one payment to the first mortgage holder and a second payment to the seller. The second mortgage is typically structured as a thirty-year amortization with a five-year balloon. At the end of the first year, the buyer can refinance the first and second mortgage into one new first mortgage and at that time the seller will recoup the balance of the "seller second". In the meantime the seller will receive interest only payments from the buyer.

A year ago, it was a seller's market. Properties were selling as soon as the real estate 'for sale' sign was planted in the yard. At that time, it was not uncommon to hear of bidding wars in the driveway and the subject property would end up selling for more than the asking price. Now we are in a different market. We have entered a buyer's market. Properties remain listed for sale for periods of time that exceed a sellers comfort level. Driving down a typical street in Any Town, USA, one might see numerous 'for sale' signs and even signs reading the likes of "price reduced". Reducing the price of a house does not significantly increase the pool of buyers that potentially qualify for financing for that property and therefore, demand remains unchanged as the result of a price reduction. The solution can be found through offering a "seller second".

A "seller second" effectively increases the number of buyers that qualify for financing and subsequently increases the demand. FICO statistics seem to indicate there are approximately 25% of the scorable population in this country that have a credit score between 500 and 649. Offering a "seller second" to buyers in this range can turn them into qualified borrowers and happy homeowners.

To offer a "seller held second", a seller will need to have sufficient equity in the property. Also, sellers need to understand that there is a risk of default by the potential buyer.

Paul Jerome is a mortgage expert and contributor to Seller Helps Buyer, LLC. Seller Helps Buyer provides a format for sellers to showcase properties 'for sale' that are accompanied by a 'seller held second mortgage'.Live Mortgage Leads
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Your next few months constructing your new home could prove to be a time consuming and daunting task. You must recognize that it is difficult, if not impossible to have everything go smoothly. When buying a home while it is under construction you must have some key notes available. First, the contract of purchase and sale must be clear and very detailed to outline your expectations. It must describe the specifics including the details of the labor and materials used to satisfy your buying agreement. These stand from of construction contracts are available and these forms of agreement are designed to provide an enforceable agreement between the seller (builder) and the buyer.

If your developer asks for a deposit (which he will) make sure that it will be deposited into a trust account. If the agreement should default, the deposit should always be returned back to yourself. If the developer wishes to hold your deposit as a stake holder, the return of your deposit may be more difficult. In addition to the standard contract of purchase and sale, you should include a specifications sheet and the plans for the house. Building contracts are long, complex documents. Both parties (builder/seller and buyer) should obtain legal advice prior to entering into a building contract.

Do the walk though! Insist that prior to possession date, both parties conduct a walk-through of the property prior to possession date. Make sure that all the work is completed and agreed upon. At this time, both the seller and the buyer should sign and date the list. Copies should be given to both parties, realtors and lawyers involved. The crown has developed a program in 1998 called the Home Owners Protection Office. Essentially it is designed to protect the quality of construction in a new home development. This office licenses residential builders and building envelope renovators, monitors the provisions of mandatory third-party home warranty insurance and researches/educates the residential construction industry and consumers.

If you are the owner of a leaky home, the HPO will administer no-interest repair loan programs and PST relief grants for owners. Theyre set up to ensure that no one has to lose their home due to the cost of repairing a leaky home. The reconstruction loan program provides no interest loans to homeowners and housing co-ops who are unable to pay for the cost of repairs.

Your warranty includes a minimum of two years on labor and materials. Five years on the building envelope which includes water penetration. And ten years on the structure. In order to minimize confusion about warranties, the HPO created this 2, 5, 10 year home warranty insurance logo. Its now used in the marketing campaigns of your local realtors and builders in the Residential real estate market of British Columbia homes. This should take place when you first occupy the home. You could always find more information on this topic by visiting http://www.hop.bc.ca

Finally make sure that your realtor inserts a clause clearly stating that the occupancy certificate must be obtained on or before completion date. However, landscaping and other outside work can still be in the process of completion. Your occupancy permit merely allows you to move into your new home! We hope this article helped you think of some things that you might not normally know. Please do not rely on this article as a guide or legal advice as you should always consult your lawyer or local realtor for advice, they are the expert.

Shane Toews is a Licenced Realtor who helps others to educate themselves about current real estate issues. He also provides assistance on how to find quality homes, apartments or vacation rentals in Canada's Fraser Valley area.Exclusive Mortgage Leads
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Brazilian dominance in soccer takes a new complexion. There used to be a time when the Brazilian men's national soccer team were of average size and build. They were small (shorter), fast and skillful. Diminutive in stature but this did not apply to their technical and tactical abilities.

The Brazilian men's national soccer team might appear to line up in some formal positional formation and set up. Once the game starts it is an all positions for everybody on the team. They seem to play a 1 (goalkeeper) -10 (field) as all the players are in constant motion and are able to play off of each other at any time. The team members do however have certain defensive responsibilities and are accountable for their respective areas.

They truely understand "the game" and are ready to be spontaneous as well as volatile.

The Brazilian team seems to make the opponents play catch up and defensively throughout most of the contest.

A goal scoring opportunity can come from any where and any one on the field and at any time.

The only thing that you can predict is that the goalkeeper will not leave the 18 yard box to act as a forward and score some goals.

Ronaldinho has just acquired his second FIFA international player of the year award in a row. Does he deserve it? Most definitely.
He is a pleasure to observe as he sets up most of his team mates to lead his current team FC Barcelona to the top of the Spanish "La Liga".

Now add the goalkeeper Dida who has been a major part of his team's successes, in the back and Adriano up front who has seemed to be totally unstoppable goal scoring machine on the forward line for the Italian "Serie A", Roberto Carlos on the left where he still has a command on the free kicks, and Ronaldo the task master who often and still shows flashes of brilliance in the mix and you have a fortress of power and abilities few can match.

I think the ball got rolling with the the introduction of Junior Biano as a defenseman in 1998. With the exception of France his presence was a dominant deterant for other teams.
The latest big man to join him is Lucio

Brazil found mass to be a compliment to all their other strengths. It would appear that they have continued to build from there. The average weight of their national team has increased without diminishing their agility and manouverability. Although not a necessity, muscle mass has been a factor in other team sports. This might be true in modern Futbol as speed has become an over-riding factor to the game in the last 15 years.Most of the elite players are also playing in the Italian and Spanish premier leagues and on similar if not the same teams. They are learning from each other by being rivals and combats as well as compatriots.

Here are the possible candidates for the next world cup roster for Brazil.

Goalkeepers:

DIDA,
JLIO CSAR

Defenders:

CAFU,
CICINHO,
EDMLSON,
GILBERTO Melo,
JUAN,
LCIO,
ROBERTO CARLOS da Silva,
Jos Vtor ROQUE JNIOR

Midfielders:

EMERSON Ferreira,
GILBERTO Silva,
JUNINHO Pernambucano,
KAKA',
RENATO,
Z ROBERTO,

Forwards:

ADRIANO,
Jlio BAPTISTA,
Ricardo OLIVEIRA,
ROBINHO,
RONALDO,
RONALDINHO Gacho,

Very impressive roster as was the one in 1998.

A team can only be as good as it is a team and is coached as a team.
A team can only be good if all the members play for the team and with the team.

It does NOT matter how many stars you have and how big the egos or the payroll is either.

Win as a team and lose as a team. Play as individuals and the team will lose. I say this not because outstanding players could change the outcome of games, but because other teams and players are more sophisticated and more knowledgable now than ever before. The opposition can read this and contain the key players rendering the rest of the team less potent.

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Renting the premises for commercial or residential purpose is now-a-days considered as the best Business practice by those who have the properties to let on rent. In India, the population migration in most of the big cities and towns like Delhi, Mumbai, Bangalore, Hyderabad, Jaipur, Chandigarh etc have reached to its capacity and hence the spurt in the prices of real estate rental properties . Every week thousands of Houses and rental properties to let are advertised in the leading dailies by the Owner of the properties or the rental agents on behalf of the owner of the properties to woo the prospective clients.

So, there may be many property owners and so the rental agents in India but the renting rules are more or less same throughout the country. Hence, it is essential for every prosperous tenant and landlord to understand the basic features of the Renting rules and the obligation. Following are few of the tenets of the renting rules prevalent in India.

1) There are three types of rental agreements: week-to-week, month-to-month, a fixed term of not less than 6 months and not more than 12 months. The type of rental agreement will determine when the rent is due and the minimum notice of termination to be given by the landlord or tenant.

2) The landlord shall give the tenant a duplicate copy of the rental agreement within 10 days after the date of signing by all parties. If the landlord fails to do this, the tenant is not obligated to pay rent until the tenant receives a copy of the rental agreement. However, any rent already paid may be kept by the landlord.

3) The landlord shall maintain the premises in a good state of repair and fit for habitation during the tenancy and shall comply with a law respecting health, safety or housing.

4) The tenant shall keep the premises clean, and shall repair damage caused by a willful or negligent act of the tenant or of a person whom the tenant permits on the premises.

5) The tenant may assign, sublet or otherwise part with the possession of the premises subject to the consent of the landlord, and the landlord shall not arbitrarily or unreasonably withhold consent and shall not levy a charge in excess of expenses actually incurred by the landlord in relation to giving consent.

6) Except in the case of an emergency, the landlord shall not enter the premises without the consent of the tenant unless the tenant shall not unreasonably interfere with the rights of the landlord or other tenants in the premises, a common area or the property of which they form a part.

7) The landlord shall not unreasonably interfere with the tenant's peaceful enjoyment of the premises, a common area or the property of which they form a part.

8) Rest the basic facts for the security Deposit and the rent as specified in the agreements and other features as specified, are the basic obligation of the Tenant and the landlord.

So in India with the more booming economy, education, development the major thrust is on the Real estate properties and the renting services. So, on the face value the Rental trend in India is quite catching and looking very promising for those who have the properties to let on rent. But, still it needs to be more regularized and systematic in order to make it more internets friendly and to protect the rights of every tenant and landlord under the most transparent legal boundary.

For More on India Rentals Visit - http://www.realtymantrarentals.com

Suruchi Iyyer is full time author and internet marketer in India. He has been involved in real estate business and traveled extensively for same. Presently she is developing and writing articles for Indian Real website - http://www.realtymantrarentals.com on topics that relates to property rentals in India.Live Mortgage Leads
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When you are in the business of rehabbing or wholesaling real estate a buyer's list can be your best friend. There are many ways to go about obtaining a buyer's list such as buying one from a host of companies. However, nothing can compare to building your own list for many different reasons.

When you build your own buyer's list, you know for sure who the people are on your list. In other words, you are not simply buying names, having no real idea if the people listed are actually interested in purchasing wholesale or rehab real estate. For that matter, you have no idea if these people are actually interested in purchasing real estate from your area. Buying a list is never a good idea as a whole.

Building your own list gives you many advantages. The people listed on your buyers list have actually given you their information personally. They have expressed an interest in buying real estate from you and what is more, they have expressed an interest in buying real estate in the area in which you offer it.

Another advantage of a buyer's list is that it allows you to target specific areas of interest. You may have more investors looking to buy real estate on one side of town than they are on the other. Buy building a buyer's list you have the opportunity to get a good grasp on what your buyers want and where they want it, allowing you to make the appropriate decisions on your investment. With a buyer's list you have a better chance at selling and getting a return profit. The real estate sells quickly, in most cases, and the profit starts rolling in, if you have done your homework, research, and built a reliable buyer's list.

With that being said, here are some steps you can take to build your own buyer's list, without even having any property on hand at the start.

Advertisement Your local newspaper is the best place to start. The key is to make it realistic and eye catching. You have to stand out, but you also want the prescreening of potential buyer's to take place through the advertisement. In other words, you want to include the types of property you intend to sell, good credit required, and serious buyer's only. You could also stretch things a little and say you currently have 16 or 17 properties. This is ok, because you are building your list.

Provide your telephone number and maybe even an incentive for their purchase, such as a free product or something similar. Be sure to identify that you are advertising to investors.

Clubs - Another great way to build your buyers list is to join real estate investment clubs. These clubs hold meetings on a monthly basis and generally are brimming with interested, potential investors. One thing you need to take note of is that you must cater to your potential buyers. Many people buy property with hopes of selling it, then look for a buyer. In other words, they are looking for a buyer for that property. It should be the other way around, you should have a buyer, then find the property based on what they are looking for.

Keep It Fresh You want to make sure that your buyer's list holds only fresh names, telephone numbers, and other information. You want to have variety as well, keep names of investors on the list that are interested in various types of properties, this will help ensure that you always have options.

Make sure you take names off the list, as they are no longer interested, leave the investing business, or move out of your area. This is an important aspect of your buyer's list, if you do not update it, you may find that you run out of investors or buyers and create unhappy people at the same time, which could hurt your business.

Information The information contained on your buyers list should include the following:

Buyer's Name
Buyer's Telephone Number
Buyer's Fax Number
Buyer's Email Address
Buyer's Area of Preference
Cash Closing (yes or no)
Permission to contact with future deals
Permission to fax or email
Price Range for Property
Types of Property Preferences

Once you have this information, it is important to keep it in a safe spot, where you can easily access it, such as Excel or Microsoft Word. Keeping everything at hand and organized is the best way to maximize your use of the buyer's list. Having it stored digitally in a database will help you keep the buyer's list fresh and new. You can easily add and remove names as necessary, giving you the most up-to-date buyer's list possible.

Success in commercial real estate selling is dependent upon buyers and interested buyers at that. Your buyer's list will help you build a successful empire and keep the profits rolling in at the same time.

Tony Seruga, Yolanda Seruga and Yolanda Bishop of http://www.maverickrei.com specialize in commercial and investment real estate. As of May, 2006, they and their partners are managing over $600 million dollars worth of new projects.Mortgage Lead Programs
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Its quite true that your credit history matters a lot while taking any loan. Moreover, a good credit history fetches you more money. But does that simply mean that those who are having a poor credit history will not be able to satisfy their needs fully? If your answer is yes, you need to cross-check. If you have a bad credit history, you can equally get a loan with the help of poor credit secured loans.

A poor credit secured loan is meant for people who are unable to get any loan or face difficulty in availing unsecured loans due to their poor credit. These loans require you to offer your home or any other property as a security against the loan amount. Poor credit Secured loans caters to persons having bad credit history, or poor credit score, defaulters and arrears, people with CCJs, bankrupts etc.

With a secured poor credit loan, you can get amounts ranging between 5000 to 75000 depending upon your requirement as well as the collateral value. Being a secured loan, it offers a longer repayment period of around 3 to 25 years. However, you may select the amount and repayment term according to your convenience and capability to repay. The interest rate is relatively low as it is being offered to poor credit holders and also because it is a secured loan.

Poor credit secured loans can be used for various purposes. Many people use this loan as the best tool for debt consolidation. However, you can also use it for buying property, home improvement, wedding or holiday expenses, education, or purchasing car etc.You can utilize secured poor credit loan to meet your diverse range of needs.

Applying for secured poor credit loan is quite easy. To avoid unnecessary expense of time and money, you can go online and search for lenders. You will come across numerous lenders offering poor credit secured loans. Among all theses, you need to select the best one for you by comparing the quotations of different lenders. Once you select your lender, you will be required to fill an online application form. The form will ask you about your personal and financial details. After giving all those details, the loan application will be approved just within 10 to 15 days and soon the loan money will be in your hand.

With a poor credit secured loan, you get a great opportunity to eliminate poor credit score. It will help improve your credit score and stop them from getting adverse. Through this loan you can make your future better by securing good chances of getting loans.

Tess Ocean has been associated with OnlinePaydayLoansUK. Having completed her Masters in Finance from Yale University, School of Management. She provide useful advice through her articles that have been found very useful. To find poor credit secured loan, personal payday loan, payday loan uk, bad credit payday loan, payday loan application visit http://www.online-payday-loans-uk.co.ukLive Mortgage Leads
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There is no doubt that the real estate market has slowed down and is not the hot market we had from 2002 to 2005. The news media is quick to point out that more homes are on the market and that sales are down. Given the current market, is now a good time to buy a home?

To answer this question a buyer must first answer the question, How long do you intend to stay in the home you buy? The answer to this is key to making a buying decision in todays market.

If you are planning on staying in a home for 3 years or less, the answer is clear, you probably should not be looking at buying a home. Renting is the better option until your future is more stable and clear. Anything less than 3 or 4 years is too short a time to overcome the costs associated with buying and selling a property. The time when a buyer could buy a property and sell it a year later at a profit is gone.

However, if you plan on staying in a property for 5 years or more, then buying, as opposed to renting, is the better move. Historically, property values tend to climb and given enough time, a buyer can weather downturns.

But the market is turning and prices seem to be falling, so why would I buy a home now? The housing market has changed, prices are leveling and may even decline. But remember that a home should not be thought of as an investment. This is the place where you live, rest, and raise your family. It is important that your home be the right home that fits your lifestyle now. If you are currently a homeowner and are looking to upsize, downsize or change towns, consider that even though your home may be worth less than it was last year, chances are that the house you intend to buy is also selling for less. The net effect on you is neutral. It does not really matter if you buy and sell in a rising market, a falling market or a stable market. Your house will rise or fall in value with the other houses in the area (You have lived in your house for more than 2 years and hopefully more than 5, right?)

For the first time home buyer it may actually be better to buy in a cooler housing market than a hot market. Why? In the hot real estate market we have had over the last 4 years buyers had to move quickly to get a house before the next buyer got it. There was little time to look at homes, negotiate the best terms and think about weather or not that house was the right one. Sellers were in a very good position, there were lots of buyers and not many homes on the market, so sellers were able to get terms that were favorable to them. The homes they were selling were often in less than perfect condition and buyers were still eager to buy them.

Now that the market has slowed, the buyer is in a much better negotiating position and is more likely to get terms that are in his favor. Perhaps the seller will make some needed repairs to the home or will contribute some money to the buyers closing costs. This gives the first time buyer a much better chance of buying the home they want.

Also, the first time buyer has one huge advantage over the homeowner who is trying to buy a home. That advantage is so obvious it often is overlooked by the first time buyer. The advantage they have is they have nothing to sell before they can buy! Consider this: Imagine that you own a home that you wish to sell. Two buyers approach you with an offer to buy your home. Buyer A makes a good offer but has a contingency in his offer that he must sell his current home before he purchases your home. Buyer B makes a good offer and can buy your home in a month because he has nothing to sell. Which offer do you take? Buyer A must sell his house in order to buy yours. Who knows how long that will take? Is his house priced well? What if he gets a buyer who can not complete the sale? There is a lot of risk to accepting Buyer As offer. Chances are you would accept Buyer Bs offer. And because Buyer B represents a lot less risk, you might even accept his offer if the price was lower than Buyer As.

So the buyer with nothing to sell has a lot of advantage over other buyers and this gives them a better negotiating position. As long as you intend to stay in a property for 5 years or more, a cooler market represents a good time to buy. And for those who own homes and are looking to make a change, it really does not matter what the market is doing. So do not let the media scare you from making a needed lifestyle change. There is no fundamental reason to not buy in this market.

Carl Johnson is a Realtor in Amherst, NH and strives to track market data from month to month.Mortgage Lead Programs
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The best way to increase the value of your home is to make improvements. If you are like most people, this is nearly impossible to do without the help of a home improvement loan. These loans are tax deductable for home-owners seeking to make improvements on their primary residence, not rental properties or vacation homes. A home improvement loan can be used to a variety of upgrades and renovations including, but not limited to, remodeling a kitchen or bathroom, installing a swimming pool or even re-carpeting your home.

Home improvement loans must be secured by collateral, this is equity built up in the home. Because these types of loans are less risky to company, they are typically offered at a lower interest rate. To be considered for a home improvement loan, you must own the home, or be in good standing with your mortgage payments.

There are two kinds of home improvement loans available to choose from. Those loans are, FHA Title I Home Improvement Loans and the Traditional Home Improvement Loans. Either one can be used for new construction, remodeling or upgrading things in your home like a garage, new roof, swimming pool or new bathroom and kitchen, among many other projects.

You must have equity in the home you intend to improve, if you are considering a Traditional Home Improvement Loan, generally about 20% of the home's cost. The equity you've already built and that gained by the improvements of the home are to be the collateral. The company that provides the loan is called a lender. When using a home improvement loan, the lender will take out a first or second lein or mortgage against the home.

Though the majority of home improvement loans are for terms or 10 years or less, there are programs and lenders available that will extend the term to 15 years. That is largely dependant on how much you intend to borrow. The difference between a Traditional Home Improvement Loan and a FHA Title I Home Improvement Loan, is that the latter is a Government program.

You may use the FHA loan for necessary repairs and maintenance to the home. Luxury upgrades are not allowed. This may be the way to go for many as equity in the home is not required for this type of loan and past credit issues are often not a problem. The repayment for the FHA Title I loan can be as long as a 20 year term, as long as the home-owner has kept their credit in good standing, recently.

If your home loan is under $7,500, there is no lein placed on the title of the home, making it possible for more home-owners to make improvements on their home, while being tax deductible at the same time.

Whether you've decided to purchase your first home, or your still in the researching phase, check to see if your state or local community has programs available for first time home buyers. Many of these programs will offer you step-by-step assistance in finding realator, a home and the loan that best suits your needs. They are an invaluable resource.

Programs for first time home buyers should have a proven track record. Look to see that they have been in business for a reasonable amount of time. Check with your local financial institutions for a list of mortgatge companies that are considered reputable.

Next, be sure you meet the criteria to take part in the program you've chosen. Remember, there are many to choose from and the best are those geared toward assisting low to medium income families by offering smaller down payments, no down payments, lowered closing costs and reduced interest rates.

A first time home buyer program should take the hassle out of buying a home, allowing you the freedom to enjoy the process of selecting your very own home.

Beverly Kane is a staff writer at http://homeimprovementgazette.com and is an occasional contributor to several other websites, including http://www.theshoppinggazette.com.Mortgage Lead Programs
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The so-called "gulf" between teams from Premiership and those striving to join the elite from the Championship is often noted, especially when teams from their respective divisions clash in Cup competitions.

However, this "gulf" may be nothing more than a fallacy. When the third round of the FA Cup comes around, Championship teams rewarded with a home tie against Premiership opposition often make a mockery of their respective league positions.

Clashes of this nature have not occurred very often during the third round in recent years, although last season, eight matches fell into this category, with the "superior" Premiership teams winning just twice.

Preston @ 2.47 vs West Brom @ 2.56. Result: 0-2
Sunderland @ 2.20 vs Crystal Palace @ 2.86. Result: 2-1
Watford @ 3.11 vs Fulham @ 2.08. Result: 1-1
West Ham @ 2.32 vs Norwich @ 2.72. Result: 1-0
Sheff Utd @ 3.07 vs Aston Villa @ 2.12 Result: 3-1
Cardiff @ 3.45 vs Blackburn @ 1.95. Result: 1-1
Ipswich @ 2.48 vs Bolton @ 2.56. Result: 1-3
Burnley @ 5.69 vs Liverpool @ 1.53. Result: 1-0

If you had backed the home teams at level stakes of 10 you would have made a profit of 52.80. If you had used a betting exchange and laid the Premiership sides with a liability of 10 on each bet, you would have made a profit of 68.76 before commission costs as the draw results would have also resulted in winning bets.

The 2003/04 season produced only two eligible matches in the third round, both of which saw the Premiership sides fail to beat their lower division opposition at the first time of asking.

Watford @ 7.02 vs Chelsea @ 1.40. Result: 2-2
Gillingham @ 3.69 vs Charlton @ 1.86. Result: 3-2

If you had backed the home teams at level stakes of 10 you would have made a profit of 16.90. However, if you had laid the Premiership sides with a liability of 10 on each bet you would have made a profit of 36.63 before commission.

There was only one eligible match in the 2002/03 season which pitted a Championship side at home to Premiership opposition. Wolves beat even money shots Newcastle 3-2 at odds of 3.44.

Unusually, there are no all-Premiership ties in this seasons third round of the FA Cup, but eight Championship sides are hosting Premiership opposition:

Leicester @ 5.50 vs Tottenham @ 1.57
Hull @ 3.60 vs Aston Villa @ 1.90
Ipswich @ 3.20 vs Portsmouth @ 2.10
Luton @ 7.00 vs Liverpool @ 1.40
Millwall @ 4.00 vs Everton @ 1.80
Norwich @ 2.75 vs West Ham @ 2.30
Sheffield Wednesday @ 4.00 vs Charlton @ 1.80
Watford @ 3.40 vs Bolton @ 2.00

All bar one of the Championship sides are available at odds greater than 2/1, although it may prove a better option to lay the Premiership teams in case of drawn matches.

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How to Save on Auto Loans

A smart investor knows he must seize every opportunity that comes knocking at his door - as long as it allows him to save more. Auto refinancing is appealing to those whose credit scores are of good history. This is favorable for a buyer who has no negative records on his account whatsoever.

Auto loan gives the buyer the opportunity to refinance their loan at terms that allows them to save their money. However, refinancing is not saving. At least not what most people deem it to be. Refinancing means deducting monthly payments in order to save a little extra money. Car refinance loans are useful in downsizing.

Auto loans are just a click away, thanks to the Internet. Lenders specializing in refinancing are online to assist possible clients about auto loans. One must submit an application before any negotiation takes place. Provide the same documents required when making a loan at any bank or establishment.

But there are auto loan refinances that do not care even if you have a negative credit history. Refinancing at best rates are available if you have a clear record, but that does not mean that because you were a little off in paying at due time, you will not be able to get the auto loan that you are applying for. You still would but the rate won't be as good as opposed to you having a clear record.

Throughout the duration of the loan, there are opportunities to refinance the car loan. If you are opting for refinancing, know that the options for auto loans are negotiated with the lender beforehand. There can be changes as long as there is the approval from the lender and the person applying for the loan.

If you need refinancing as soon as possible, consult with the lender and try to work around auto loan refinancing requirements. By updating yourself with the services and programs offered by the various car refinance loan specialists out there, then you are more aware of which one you should choose - depending on the one that works for you best.

Refinance car loan specialists are more than willing to cooperate with you if the terms you are asking for are favorable for them. The catch is that when you choose to refinance then the rates are lower and you will be able to save more. Auto loan refinancing opens more doors to saving because it reduces your monthly payments at the interest rate of your choice.

Here is a tip before you invest on auto loans, what are your goals for refinancing? You have to compare with the other auto refinancing establishments before you fully decide on one. Choose one where you get the best deal and where you will be able to save more. You have a right to do so because it is your money and your investment.

For car owners, investing on auto loans is a wise decision because it gives them better deals. However, before you commit yourself to any refinancing agreement, you have to take into consideration all the terms that are involved in the car financing program you are committing to.

Also, by tapping the equity in your home loan, you will be able to lower down the interest payment when buying a car. That is because the home equity loan can actually provide a lower rate as opposed to a car loan. The former is more secured than the latter. You can consult a tax advisor for a second opinion.If you want you can approach an independent lender before you completely decide on which car to purchase. By arranging the terms and finances before buying the car, dealer financers will be able to assist the consumer in which auto loan refinancing can give him the best deal, making him save the most amount.

You must also be very wary of the zero-interest loans. Just like with any other deals, it may sound tempting but that is not usually the case. You may be buying a car for $18,000 and pay zero interest for two years through the dealer and getting a rebate of $3000, but how sure are you that there is no catch on that offer? If you do take the rebate and finance at the given percent, then who knows you may even save more.

Think twice before you make any decision. Especially since it involves money. Stretch your buck for as long as it would take.

The above article was written by Sarah Miller on behalf of a buzzing online Kitchen and Bathroom Remodeling Contractors community where homeowners easily and painlessly find the right contractor for their home improvement projects and in turn, contractors can find the right Home Improvement Leads! Also check out the http://QuoteCity.com Blog for more related Kitchen and Bathroom Remodeling Articles and Ideas.Live Mortgage Leads
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Did you know that there are five species of Pacific salmon and one species of Atlantic salmon? Further, did you know that all 5 species of Pacific salmon run wild in Alaska?

Were proud of our wild salmon here in Alaska, and rightly so. On the one hand the wild salmon are great sport fish and we Alaskans love to spend gorgeous summer weekends challenging them.

On the other hand our commercial fisheries are healthy and self-sustaining. They are able to catch enough wild salmon to satisfy most of the world wide demand for fresh wild fillets in the restaurants and packaged wild salmon on grocery store shelves.

King Salmon

The Chinook salmon is nicknamed king salmon in Alaska. It is the official Alaska state fish.

Description

Of all the Pacific salmon the king is the largest. A 97-pound king was caught by a sport fisherman in 1986 on the Kenai River. In 1949 a 126 pound king was caught commercially near Petersburg, Alaska. Typically king salmon weigh 30 pounds and above.

The king is lightly and irregularly spotted on their blue-green back. They also have a black pigment along their gum line. Spawning kings in fresh water range in color from red to copper to almost black.

Life Cycle

All species of Pacific salmon hatch in fresh water, spend part of their life cycle in the ocean, then return to fresh water to spawn.

The king salmon generally live 5 to 7 years, though they can mature by their second to third year. As a result the kings in a spawning run can vary greatly in size. A mature 3-year old may only weigh 4 pounds while a mature 7-year old may exceed 50 pounds.

The young king salmon feed on plankton and insects during their fresh water period. During their second year they migrate to the ocean where they grow rapidly.

Some kings make immense spawning migrations. For example, many of the Yukon River kings will migrate over 2,000 miles during a 60 day period to reach the streams and headwaters in Yukon Territory, Canada.

Taste

The king salmon has a rich flavor, firm flesh, and a pleasing red color. Kings caught at the mouth of the Yukon River have a huge store of oil in their flesh for their long upriver migration. The result is an extra-rich flavor, much prized among those who love salmon.

Sockeye Salmon

The Sockeye salmon is also called the red salmon due to the bright red color of its flesh, and it is the second most abundant salmon species in Alaska.

Description

Sockeye salmon are the slimmest and most streamlined of the 5 species of Pacific salmon. They differ from kings, silvers, and pink salmon by the lack of large black spots, and they differ from chum salmon by having more gill rakers on the first gill.

Sockeye are generally a greenish-blue color with silver sides and a white or silver belly.

During the spawning season the Sockeye males develop a humped back and a hooked jaw. Both male and female Sockeye turn brilliant to dark red as they head upriver to their spawning grounds.

Life Cycle

After hatching during the winter and spending a few months in the river gravels, the juvenile Sockeye spend 1 to 3 years in freshwater before migrating to the ocean.

The Sockeye spend 1 to 4 years in the ocean, ranging thousands of miles while feeding and then returning to the same freshwater system where they were born. They reach an average size of 4 to 8 pounds, sometimes reaching in excess of 15 pounds.

Bristol Bay, in southwestern Alaska, annually harvests the largest number of Sockeye salmon in the world. About 10 million to 30 million Sockeye are caught during a short season that lasts only a few weeks.

Taste

The Sockeye salmon has an exquisitely rich flavor due to the high concentration of oils. It is an excellent source of Omega-3 fatty acids. The rich red flesh color is maintained throughout cooking which results in a beautiful presentation. Some people consider the Sockeye to be the most flavorful of all the salmon species.

Silver Salmon

Coho salmon are known as silver salmon in Alaska and are an excellent game fish.

Description

Coho salmon have bright silver sides and have small black spots on their back.

Spawning salmon of both sexes develop red to maroon colored sides. The males develop a hooked snout with large teeth.

Life History

Juvenile silvers live in ponds and lakes formed by rivers and streams. They generally spend one to three years in the streams and may spend as many as 5 winters in lakes before migrating to the ocean.

Silvers stay in the ocean, where they grow quickly, for about 18 months before returning to their home streams. They weigh from 8 to 12 pounds, but can range up to 31 pounds. Their length ranges from 25 to 35 inches.

Taste

The flesh color of silver salmon is orange-red and is retained during cooking. The texture is firm and the fat content is high. The taste is a pleasing full salmon flavor, slightly milder than that of the Sockeye. The size of a fillet is larger than that of the Sockeye, and it is a prized fish for cooking.

Pink Salmon

Pink salmon are also known as the humpback in Alaska. Prior to spawning the pink salmon develops a pronounced hump on its back.

Description

The color of the pink salmon is generally a bright steely blue on top and silver on the sides. It has many large black spots on its back and over the entire tail fin. It has small scales and its flesh is pink, befitting its name.

The spawning pink salmon develops an olive green to black color on its back with a light-colored to white belly. It develops a very pronounced hump and hooked jaws.

Life Cycle

The young pink salmon hatch during the winter and spend a few months in the river gravels. During the spring they migrate downstream to the ocean. They feed along the beaches before moving out further into the ocean.

Like all salmon, the pinks grow rapidly in the ocean but they are the smallest of the Pacific salmon species. The pinks reach a size of about 3 to 5 pounds and about 20 to 24 inches in length.

The pink salmon spends only two years in the ocean. This two year pattern causes distinct odd-year and even-year cycles which are unrelated to each other.

When the pinks return to freshwater, they are the most abundant of the Pacific salmon species. They do not migrate far upriver, but generally spawn within a few miles of the mouth of the river. As with the other Pacific species both male and female pinks will die within a couple of weeks of spawning.

Taste

The pink salmon has a delicate, mild flavor and a light flesh color. About 80% of harvested pinks are canned and are the most common salmon species found on grocery store shelves.

Chum Salmon

Sometimes called dog salmon in Alaska, the chum salmon is a traditional source of dried fish for winter use.

Description

Chum salmon have a metallic greenish-blue back surface with fine black spots. They resemble sockeye and silver salmon so closely that one needs to examine their gills and fins closely to make a positive identification.

When nearing fresh water the chum salmon develops noticeable vertical bars of green and purple, which gives them another nickname, calico salmon.

The spawning chums develop the typical hooked jaws like other Pacific salmon and large teeth, which partially accounts for their other nickname, dog salmon.

Life Cycle

As with pink salmon, the young chum do not spend much time in fresh water before migrating out into the ocean. They feed near the mouths of their streams for a period before forming schools and moving further out into the ocean.

The chums spend 3 to 5 years in salt water, growing rapidly after entering the ocean. They generally range in size from 7 to 18 pounds, sometimes reaching 30 pounds in weight.

When the chums return to fresh water they often spawn in the same areas as the pinks, not migrating far up river. One major exception to this pattern is the chum salmon population of the Yukon River. Some of these chums migrate 2000 miles upriver to spawn in Yukon Territory of Canada. These chums have a very high fat content in preparation for their long migration.

Taste

Chum salmon have a mild, delicate flavor with a medium red flesh color. However, Yukon River chums, with their higher fat content, have a rich, full flavor similar to Kings and Sockeye.

Atlantic Salmon

Atlantic salmon are not native to the Pacific coast but are raised in large numbers in pens. They run wild on the Atlantic coast only. The Atlantic salmon found in markets are farm-raised, generally originating in salmon farms off Chile or British Columbia, Canada.

Description

Atlantic salmon in the wild have silvery sides and belly with greenish-blue coloration on its back.

Spawning Atlantic salmon develop blackish fins and purplish coloration and reddish spots. Surviving adults are dark in color.

Life Cycle

In the wild young salmon spend one to three years in fresh water before migrating to the ocean. In the ocean the Atlantic salmon ranges for thousands of miles.

They generally return to freshwater by the age of five. Unlike the five Pacific species of salmon, the Atlantic salmon does not die after spawning. The surviving adults repeat the migration and spawning cycle.

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