Personal Finance Is $4K USD in savings enough for moving out at 18? |
- Is $4K USD in savings enough for moving out at 18?
- 18 Kicked out of parents house on no notice
- How is it that the fed rate has been unchanged but mortgage rates are up almost 1.0 from their lows (3.65 today)?
- Employer was hacked and didn't tell me for 5 months
- I owe 8,500 in student loans at 6 percent. My job is paying 40 per month and 80 per month starting December 2022. Am I better to make the minimum payments or just pay it off
- Is Venmo safe if I mark it as a purchase?
- Signed into a bad car loan and disappointingly realized after the fact. Need advice on how to mitigate the costs of my mistake
- Trying to buy a mobile home
- Confused about retirement accounts after switching jobs.
- Which employer health insurance plan should I choose?
- Need financial advice for becoming independent
- What are some smart money moves for me?
- Can't link Schwab Checking to Penfed Accounts
- ELI5: How does the Real Estate Market affect Real Estate?
- Buying A Home Wanna Make Sure Its The Right Move Financially
- Bank Of America marked my FRAUD claim as 'Resolved - claim not paid' and I feel so helpless.
- Will my tax refund be garnished while rehabilitating student loan?
| Is $4K USD in savings enough for moving out at 18? Posted: 05 Feb 2022 04:27 PM PST Hey everyone, I'm 17 and will be 18 by the end of the school year. My mom and dad don't want me to live with them really, so from a young age I was told that by your 18 move out. Since I was 15 I've done numerous side hustles, jobs etc. To save up some money and in total I have around $4,778 dollars to my name. It's in my own bank account. I've also started a job recently which is paying me $17/per hour I can also do as many hours as I want (it's remote). So daily I'm making $136 dollars. Regarding rent, my friend who's like 20 or so I know him since young, he's in IT and has an apartment it has two rooms. One is his, and he said he can rent out the other one. It'd be $800/per month for me. There is no security deposit, and I don't have to put anything down as he told me. Just pay the monthly rent which is $800 and im good, it includes utilities etc. He said I can rent on monthly basis. Would it be possible for me to move out? I'm not really into fancy things or so, as long as my food, rent and expenses are taken care of im good. EDIT: Also I don't need a car, second my utilities would be taken care of in my rent payment, and regarding my phone bill it's $10/month. for food I know how to make good food for cheap I've done it before. Because my parents do a thing where like I have to make and buy my own food so I'd spend $100USD from my money, monthly and make food from that budget to last me 30 days and it'd work out perfectly, and it'd be plentiful so im not concerned about food expenses. EDIT 2: Some are mentioning stay with my parents as long as I can yeah thats not an option, they are toxic and were a***ive and have given me numerous mental health issues. So moving out is the best choice for me, just wanting to make sure here that it's feasible because I can actually talk with others here and see if what im doing is right. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18 Kicked out of parents house on no notice Posted: 05 Feb 2022 09:49 PM PST I have just under 6k saved, a car(no tags), all my belongings in said car, starting a new job Tuesday, and absolutely no idea what I am doing. I left home this morning after a typical argument that ended with me being given the option to comply to my parents wishes or leave, as I am 'breaking the rules' I landed a job as a busser/host at a well established restaurant and I begin Tuesday. I am currently trying to get my car insured and temporary tags to get me around for 30 days but i'm uneducated in the process. I live in Maryland. My car is owned outright by me. It needs brakes, rotors, and tires to get it passing inspection. I have the parts purchased just looking for mechanic. As for my savings it's all in a checking account under my step dads name. I plan on opening my own ASAP. Advice would be warmly welcomed on this as-well. as for renting an apartment or room I have started looking on facebook marketplace and have been trying to schedule showings. Overall, I am scared shitless yet ambitious. I'm ready for whatever the world can throw at me. Please share any battle advice and luck. Edit: I have a few friends willing to let me crash on their couches. But that won't last forever. The 'typical' arguments are only typical in a toxic and abusive house. It's not an option to apologize and work things out with such people. I have tried my whole life. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Feb 2022 04:48 PM PST Is a fed rate hike priced in or will they keep shooting up (4.0+) after the first fed rate hike? Having trouble correlating the two. Edit: thanks for the comments. Reason for asking is wondering whether to rate lock now or way for a pull back [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Employer was hacked and didn't tell me for 5 months Posted: 05 Feb 2022 04:58 PM PST I just got a letter, dated Jan 28, 2022, that my company was hacked and my name, SSN, and bank account were stolen on AUGUST 25 2021. I haven't noticed anything funny with my accounts but I haven't been checking as scrupulously as I would have if I'd known sooner. I just created an account and got an IP Pin on the irs.gov website and am about to follow the other instructions from https://www.reddit.com/r/personalfinance/wiki/identity_theft with pulling credit scores and freezing my accounts. My high school PFM class was laughable so all this is sort of a struggle for me. I have exactly one credit card so that makes things easier I guess. I'm just so mad it took them this long to tell me and freaking out a lot. Any other advice or words of encouragement would be great. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 06 Feb 2022 12:44 AM PST My instincts tell me to just pay off this debt ad soon as possible. I make 55k salary. I could pay it off this year if I went after it aggressively. I put roughly 40% into savings put of my paycheck. 12% into 401k and $350 per paycheck into an employee stock purchase plan where I get shares at 10% discount. This leaves me with about 26k cash after taxes. The money my company is paying towards my student loans is completely extra. It is not taken from my paychecks. It's just an employee perk only applicable to student loans. I'm wondering if some math people could help decide if I should pay it aggressively or try to let my job pay it down slowly over time. Thabks [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Is Venmo safe if I mark it as a purchase? Posted: 05 Feb 2022 10:36 PM PST I found an expensive ($400) item that I am thinking about buying on Facebook marketplace to have shipped. However, they have requested that I pay on venmo and mark as a purchase, which according to Venmo's website charges them a small fee and provides protection for both buyer and seller. I'm really hesitant, because being asked to pay a specific and unusual way always feels like a scam to me, but if buyer protection is on... What would the scam be? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 06 Feb 2022 03:49 AM PST Hey everyone, I understand now just how much of a bad play I did and I'm beating myself over it and feel terrible. I'm not sure where else to turn for advice and came across this group. My apologies of this isn't the correct place to post. Essentially, I fell for the car dealership pitches about extended warranty, maintenance, alarm, and exterior/interior protection add ons for my car. I went into the dealer to buy out my lease and the remaining balance was 15k and I was planning to do a 7k down payment. But after hours of waiting around and much convincing, I was swayed to sign on about 7k additional costs for the things mentioned above. And now that I have a clearer mind, am realizing just how severe of a jump it was in cost as the total now for what I intended to be a 7k loan turned to 16k+. The payments are doable but I'm beyond disappointed in myself and am now trying to figure out what I can do. Im thinking about canceling whatever I can and eating the cost of what I can't but am hoping anyone has any advice on what can be done, if anything? My online research has only provided me with so much. Thank you in advance for your help. (Using a throwaway for privacy) [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 06 Feb 2022 12:27 AM PST There's currently a pretty nice mobile home by me for $20,000. I can't even get close to anything that nice around here. I have no knowledge on how to buy a mobile home in a park. I have about half saved up and would need a loan. I don't know what steps to take. Should I talk to my credit union? I was told by people around me that banks don't do loans for mobile homes. This may not seem like much to most, but this is a big deal for me and my friends who need a safe place, and we can finally go back to college. Any help/guidance would be much appreciated. Edit: Some of my personal finance info if it matters. I make about $2000 a month after taxes. I'll also be getting a raise in 2 months, it's guaranteed by contract. One friend makes a bit less until later this year, the other makes more. Life situations aren't the same for everyone. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Confused about retirement accounts after switching jobs. Posted: 05 Feb 2022 10:34 PM PST Hey Reddit, I recently changed jobs and I'm really confused about what the optimal retirement savings strategy is with regard to the 401K from my old job. Salary at my old job was 80K, new job is 135K (+10K signing bonus). I have a 401K from my old job with about $9K in it. I also have an existing rollover IRA with about 14K in it. My new job has a 401K plan with fairly high fees (all investment options are around 1% expense ratio) Should I rollover my old 401K into my existing rollover IRA or is that not worthwhile because I make more than the traditional IRA income limit? Should I be looking at a back door Roth IRA or is that not possible because I've already got an existing rollover IRA? Should I transfer my old employers 401K into my new employers 401K plan or is that a bad idea because of the high expense ratio? I'm having trouble answering and understanding the questions above so any help would be greatly appreciated! [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Which employer health insurance plan should I choose? Posted: 05 Feb 2022 11:19 PM PST So I'm newly employed at a company. First time choosing company health insurance. Wondering which to pick between an HDHP with an HSA or Basic PPO plan with an FSA, both from United Healthcare. I'm 30 years old, have no health conditions, no addictions, unmarried, no children, not on any prescriptions, regular BMI. Thanks for any help. It's all new to me.
The 2022 HSA contribution limit is $3,650. The annual maximum for the PPO FSA is $2,750. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Need financial advice for becoming independent Posted: 06 Feb 2022 01:04 AM PST 23, male, single, no car, $1700 monthly income. Bad work history, no credit history. I've dealt with major depression my young adult life since I was 18 and have had major setbacks due to it such as not being able to hold a job and bouncing from dead end job to dead end job and relying on friends and family to let me stay with them rent free and help me survive and not be homeless. Im currently living with my grandmother who I've had off and on living arrangements with for the past 5 years. Im feeling much better mentally now and feel able to start my life towards independence, Im currently working at a pipe fitting company and make $14 an hour and there's tons of room to grow within the company, roughly $1700 monthly after taxes and $448 weekly. My grandmother is wanting me out ASAP now that im finally feeling better mentally and holding down a job for once. I've only been at my job for a week and enjoying every aspect of it so far. I have no friends available to help me with a roommate situation and none that are ready to move out of their parents house. Rent in my area is an average of $1250 and that's just rent no utilities. I've looked into 1 bed 1 bath apartments ranging from $750-$900 just rent no utilities. I've also looked into renting a private room on random facebook marketplace ads in my area that include a furnished room and included utilities from $550-$850 How do i get a vehicle financed and rent property/a private room, pay car insurance, gas, food, and phone data service plan with my income alone? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| What are some smart money moves for me? Posted: 06 Feb 2022 12:10 AM PST Hi all! I'm 23, I live alone right now and work from home, no car, and rent + utilities are around $1300 roughly. I also have $400 student loan payments each month. My monthly take home has been averaging around $5,000 (I work per project at my full time job so it varies ever so slightly paycheck to paycheck). Not really sure what to do with my money. Been putting it into some hobbies of mine but I'm running out of space and I kinda have everything I immediately want/need and would like to buy a house in the next year or two if possible. I have around $5000 saved up right now (just started my job a few months ago, moved to the city on borrowed money from family which I paid back, finally on my own and debt free besides student loans and able to really start using my money) Goal is to get maybe $20,000 saved by the end of the year? Anything else I should be doing that I'm not aware of? EDIT: my total student loan debt is $80,000 Private: $60,000 Federal: $20,000 [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Can't link Schwab Checking to Penfed Accounts Posted: 05 Feb 2022 11:20 PM PST I opened a PenFed checking and savings a couple months ago and I was able to link my Chase and Capital accounts with no issues, but I am trying to move my main banking to Charles Schwab and keep the PenFed for the good apr on accounts and loans, but for some reason my Schwab checking just refuses to link and I've been trying it for weeks. Has something similar happen to anyone in this sub? [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ELI5: How does the Real Estate Market affect Real Estate? Posted: 06 Feb 2022 03:02 AM PST (I do not own any real estate, I'm clueless about it) I want to learn more about real estate, yet I don't know anything about it. Often I hear that real estate owners and tenants have a difficult time during a real estate market crash, but I dont know why since the rent can just stay the same, can't it? And it doesn't get more expensive so I am really confused about it. All I know is, when the market goes up, real estate prices go up too. And vice versa, when the market goes down. But what else is there, like general knowledge about real estate? How do interest rates affect real estate / the real estate market? Thank y'all in advance! :) [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Buying A Home Wanna Make Sure Its The Right Move Financially Posted: 05 Feb 2022 11:15 PM PST After a lot of ups and downs may be finalizing on a house. The financial situation I will be in after purchase will be like so. I have never owned a house and am going from a rent of 850 a month. I will move into my new home with a total of around 1400 a month total (principle PMI taxes home insurance etc) I will have around 26k left in the bank after closing.(closing costs and down payment are being factored into the mortgage as part of a first time home buyer program I have to explain this a lot so just be aware I already know I will have 26k left in the bank) This program is called 105% financing closing costs and 3% down payment are essentially partnered as a second loan. This program gives us a lower interest rate for the mortgage. So we are essentially 1300 for the home(97% loan 200k home) plus 100 a month to cover the second mortgage(3% down payment plus closing costs). Before you tell me that is not a thing or argue the details, it is it is part of a first time home buyer program with my credit union. Thus 1400 a month. Already have these numbers from pre-approval of loan plus home insurance quote. I do have one issue out property taxes we are told will be around 240 a month. This sounds like a lot. Someone has mentioned homestead exemption to me. I don't know what that is. I live in Florida Pasco County. If anyone could give me some insight on this that would also be appreciated. My fiancé and I gross 5300 a month. We only have 1 car it is paid off, we share a phone so only 1 phone bill and work completely from home for a big company. Do not have or plan to have kids. I have worked at this big company for 2 years and am the highest performer(our numbers are tracked for what we do) in my office and fiancé has worked there for 8 years(does a different kind of job). I feel secure at this job. I make 15.50. She makes 18 something. We both started at 12 an hour. We do rescue cats so they spend some of our money but I was able to save up the 26k in just 2 years almost exactly (started in October 2020) working at my current job.(Did pay for about 2k of an eye surgery, car repairs(1800), animal care(1500) in that time span, bought 2 guitars(2k) and recording gear(800) in the past 2 years((So I know I can save money as I saved lot and wasted some))). We haven't fully locked in have to go through inspection process etc can still back out but I wanted to get any opinion on those finances I could because we originally budgeted for 1200ish per month.. (without much reason other than being cheap to be honest.) But houses that would give us that monthly(around 170-180K) simply do not seem to exist any more and the market is empty below 200k which is what we are looking at right now. We previously did inspections on homes in 170k -180k area none previously passed inspection major issues. 200k Homes in our area all seem to have new roofs and AC no structural issues etc. I will note I am very handy so home repairs aren't the biggest fear as I used to work doing repairs in restaurants and my dad helps me and was a roofer, carpenter and fabricator(but cannot help me financially they are very in debt). Biggest fears for home repair is plumbing ac etc. Landlord handles those now never handled them myself. So essentially I will be going into home ownership with 26k in the bank and a monthly of around 1400 dollars. I have never paid this much to live anywhere. I have been living in the same cramped apartment in a bad part of town for 850 a month for 8 years since I first moved out of my parents(parents have owned the same house for 30 years paying 900 a month). Guy on meth destroyed my 800lb concrete mailbox just last week by crashing a taxi into it and ending up in a police chase. It is a difference or 550 a month. I just wanna make sure I am making the right decision and not getting in over my head. I have run the numbers but I would like someone smarter than me to help me out. Don't have many friends or family and parents are not good with finances hence why they cannot help me with anything/give good advice. Does 1400 a month for a home with my fiancé and I's earnings sound fine? I don't want to be living paycheck to paycheck. I would like to save some money and invest at some point. I am young and inexperienced. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank Of America marked my FRAUD claim as 'Resolved - claim not paid' and I feel so helpless. Posted: 06 Feb 2022 02:40 AM PST Over the course of two months (starting in December), someone had been using my debit card to make transactions. There were multiple transactions of small amounts all over, and they all added up to a total of $2,289.74. The reason I had not noticed sooner is mainly because I am a freshman in college focusing on school. I had quit my job previously so I could focus on school, and saved all the money I had made for college funds. I spend most of my time studying so I had never made transactions during September of 2021 even until now (February 2022). When discovering my account was down to practically no money at all, I was so confused. I had deposited money that I was given during Christmas and my birthday during January and didn't even bother to print a receipt which I regret not doing. I found out during the last week of January. When trying to first understand what had just happened, I couldn't. I was so in distress and in disbelief in what had just happened. This was followed by tons of crying, outbursts of anger, and days of being even more sleep deprived as I already were. I was so unmotivated to do anything and I still kind of am. I'm still struggling to eat properly without not finishing my food, when before, I'd eat about three-four meals a day. Now I only ever have room for one meal a day. But when I somehow managed to get a hold of my emotions, I finally thought about it. I'd never left the house unless it was for school, but I never brought my wallet with me. I always use different passwords for sites/accounts, and I never download anything that looks relatively suspicious. I even checked my computer for any malicious software about 4 times! There was nothing. I felt so helpless. My family could see how in pain I was. Especially my mom, who had been victim of it a couple times. But you wouldn't even believe what I'm about to explain next. My younger brother confessed to using my card behind my back. I felt so heartbroken and betrayed. Me and him share a room, but my parents explained to me that we won't be anymore and I'll have a room to myself. I was shocked at first, and I still am, but remember when I brought up my mom had been a victim of it as well? My brother was the one who did all that. Multiple times. After interrogating my brother about it, I asked him what he used all the money for. He told me that it was for a game that he'd been playing and used it for currency. I'm very upset about this, as I was saving money to pay off college. My parents fortunately agreed to pay them off for me, but I already live under their roof and they pay for food for me and my brother all the time. I wanted to be able to take care of myself for once. But now, I can't. Now finally comes the part where Bank Of America comes into the story. While scrolling through my transactions, I decided to dispute them through the BofA website but I couldn't do them all together. I had to do each one by itself in order to dispute it, which made me really annoyed. But after 3 disputes, I was blocked and brought to a page that told me that due to the nature of my disputes, I needed to call that had their number on it. So I called. But then the voice told me that they were closed and I had to wait until they were open, so I waited until the morning (because I couldn't fall asleep, I was too anxious). As soon as it hit 8 AM, I called. But I was still put on hold for an hour. The first person that helped me, did not help very much, and I thought, I waited an hour for this? That call was really annoying and I do not even have the energy to even EXPLAIN how angry I was with the lady "trying" to help me. The second call I made was one-hundred times better and didn't have me on hold for an hour, but 10 minutes. I told the man that I had not authorized these transactions and he kindly opened a claim for me. Comparing these two calls in my head were so mind boggling to me. And so, I didn't know what to do next besides wait for them to research my claim. So I did. About a week later of waiting, I received an email that my claim status had changed and I had to access it through the Bank Of America website. I logged in as soon as I got this email, not even 20 seconds after, and my jaw dropped. I read, 'Unable to pay' highlighted in blue, my heart dropped. I hit the highlighted blue to read the message they'd given me. On the second sentence of the letter, it read, "The charge was authorized by you or by someone who has permission to use the card or account." I instantly thought, I thought I told them these were unauthorized? They did not have permission to use my card? I mean, I share a room with my brother, but I in no way told him he could use my card, nor did he ask. I tried to go to sleep heartbroken, again, and decided I'd call them in the morning at 8. I couldn't sleep that night. And I called them as soon as it hit 8 AM again. The call I made first was with a lady and I explained the situation. She told me that the notes written on my claim. The first one was that "the charges were not made all at once" and the other was "it did not seem like fraudulent activity." Whenever I tried speaking and explaining, she cut me off and kept saying, "hear me out," so I did and tried to remain respectful and patient. She went on for about 5-7 minutes talking about how the person using the card would have just drained my card almost immediately. After she finally finished, I tried speaking again to explain, and she cut me off once again. She then proceeded to tell me the following note on the claim, which was "approval making these transactions given to your number was confirmed." She read my phone number and told me that messages were given to my phone number and approved by my number and read the dates. I was so confused. I had never received ANY messages regarding ANY transactions, and I scrolled through my text messages about ten times trying to find them. I explained what I was told by the bank to my family, and my brother then proceeded to tell me that he had approved these transactions while I was either asleep or studying, and then deleted them. I honestly had no idea how I didn't even find this out. I feel like something just completely flew over my head. This was the first time I actually blew up at my brother and I really regret saying some things to him. My sleep schedule is completely out of order so I don't even get to see any of my family during the day, because I'm asleep when the suns up and awake when it's dark out. I still feel really bitter towards my brother, but this isn't about him now. I figured out everything I needed to try and get my money back. The next day, which was a Saturday, I called again. I was put into a call without a very kind lady, who explained to me that the department that took fraud claims was not open during the weekend, which I found frustrating because I wanted to get this done as soon as possible. She was very sympathetic for me and for some reason, I felt like I could vent and let everything all out to someone I didn't even know at all. I told her everything that had happened up until now and she sympathized for me a lot. She told me that she had a 15-year-old son, and if he ever did something like this, he'd be out of the house. I couldn't help but laugh. But it wasn't a happy laugh. It felt very painful. When the weekend passed and Monday finally rolled around, I called the frauds department to finally get things settled. The lady explained to me that I needed to get a handwritten letter with additional information was needed, and that I needed to get it faxed. She gave me the fax number and I ended the call. I wrote the letter, and it wasn't very long. It explained that the transactions were not by me, but my younger brother, and that he took my phone and approved these transactions, then deleted them, and ended with me saying I really needed the money for college. I went to my local Bank Of America (which is a 2-minute walk thank the heavens), and got it faxed. All I could do was wait again. I think that night was the first night I got a good sleep, which was a whopping 16 hour sleep with no waking up in between. Three days prior (Thursday) to faxing the letter, I got anxious. It was a weekday, not a weekend, and I had zero updates regarding anything. So I called. I explained my situation again and they asked me to read off the fax number, so I did. Apparently, they had given me the wrong fax number and I got so upset. The lady gave me the correct number, I ended the call, and I ended up walking to my local Bank Of America at 8:15 AM, in the freezing cold, with the same exact latter. I got the letter faxed, and now lies today, Saturday at 9:19 PM, where I'm waiting for a response or update from Bank Of America. Though I'm already getting extremely anxious, thus I'm writing this and I really could use advice. I know this seems a bit long and as a lot to take in but I feel so helpless and I could really use some help as I think I am a bit too young to understand these types of things. tl;dr (but without my mental health and just the important parts) -
One last thing to note, the three disputes I made before calling the bank about the my claim returned my money in less than five days. Did not expect that considering now, I'm struggling to get my fraud claim done and they resolved and didn't pay me back. Like what's the difference? Were those not the same freaking transactions?! Any and all help is appreciated and I apologize for my long story, I just have felt so helpless and I wanted and needed some advice. I don't know what I'll do if they deny my claim again and don't give me back my money. Update: After reading some advice, I think I'm starting to accept that I should just look into filing a police report on my brother. I'm going to ask my parents to have their thoughts on it and see where that conversations leads. The thought of it makes me feel a little sick, though. [link] [comments] | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Will my tax refund be garnished while rehabilitating student loan? Posted: 06 Feb 2022 02:23 AM PST This is pretty straightforward, I've been in default on my student loans for years now and have had my past few tax refunds garnished. I'll be making my first payment towards loan rehabilitation this month and was curious if they still garnish refunds while you're rehabbing your loan for the 9 month period? Wasn't sure since you're technically making payments now if that lifts the garnishment or not. [link] [comments] |
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