10 easy (and cheap) ways to save petrol

Everyone is still talking about the recent petrol price hike and it doesn't seem to end there. More price increases are expected to follow. It’s really time to be efficient in managing finances to make way for the hike.

Here, we look at some simple ways you can beat rising fuel costs:

1) Use loyalty cards

Many petrol stations offer loyalty cards to reward their regular customers. Make use of the loyalty cards and try to always pump from the same petrol company. You can also take advantage of credit card that offers reward or cashback on money spent on petrol.

2) Do not leave your engine idling

Waiting for your girlfriend in the car? Turn the engine off. You are wasting petrol and also releasing unnecessary harmful emissions by leaving your car idle while you wait for passengers. It is estimated that for every two minutes you leave your car idle, you use the same amount of petrol to travel about 1.5 km. It’s bad enough for city dwellers to be stuck in stationary traffic (the infamous horrific traffic congestion in Klang Valley) all the time, so when you have the option, reduce idling whenever and wherever you can.

3) Be a smooth driver

How do you drive on the road? If you are the type of driver who likes to accelerate and make sudden stops, it is time to change your driving style. While you may not be able to see a significant immediate difference in your petrol consumption by changing your driving style; you can save quite a bit of money on petrol over the year.

Drive as smoothly as possible by braking and accelerating gently and if you drive a manual vehicle, change your gear as early as possible.

4) Reduce your mileage

Try not to drive unnecessarily. It’s really time to consider carpooling as an option to reduce petrol cost and also to be kind to our planet. By reducing the mileage on your car, you will also slow down your car’s depreciation. It’s a win-win situation!

5) Clean your car

If you are the type to live off your car, it’s time to clean up. Keeping a boot filled with junk can increase your petrol consumption due to the extra weight. Don’t keep boxes and heavy things (baby stroller, etc.) in the car when you don’t need them as the extra weight increase the drag factor causing your car to be less efficient.

6) Plan your journeys

There are various free GPS apps available for download to help you plan your journeys wisely. Learn the route to the destination before starting your journey to avoid getting lost and being stuck in traffic. Circling round and round looking for your destination can make a huge difference to your petrol consumption, so it’s worth planning your route before you leave home.

7) Get your car serviced

When did you last service your car? Servicing your car regularly will increase your vehicle’s fuel efficiency. It’s time to book an appointment with the workshop to service your car and do it regularly.

8) Pump up your tyres

Drivers are advised to regularly check their tyres-inflation, not just for safety reasons but also to ensure their vehicle’s fuel efficiency is at its optimum. The reason under-inflated tyres waste more petrol is because they create too much traction, and thus need more petrol to get them going. However, do bear in mind not to over-inflate your tyres as this can be dangerous.

9) Cut down on insurance premium

It makes sense to reduce the overall amount you spend on your car, and cutting down on your car insurance premium is the easiest and most significant way to go about it. Do your homework and look for the best car insurance comes renewal time. You can also play around with the insured amount according to the amount you still owe to the bank for the car loan and the market value of your vehicle.

10) Use public transport

Seriously. If you are heading somewhere with an LRT station located nearby, try taking the LRT there. It saves you loads in petrol and parking fees, especially if you are going into KL’s city centre. Various free feeder buses are also available in the city to help ease your transportation woes. If you are outside of the urban areas, try walking whenever possible. The air is fresher and it’s a great workout.

6 Things You Need To Know Before You Take Out A Car Loan

So, you’ve got your eyes set on that fancy new Preve and you’re now looking to take out a car loan with the bank (also known as “hire purchase). Before entering into what typically is a nine-year commitment, here’s the lowdown on what to look out for in a car loan agreement.

1. Minimum Car Deposit

The minimum deposit that banks normally ask for is 10% of your car purchase price. For example, if your shiny new car costs RM50,000, you will typically need to pay RM5,000 up front. However, some banks may ask for a higher deposit amount.

2. Fixed vs. Variable Interest Rate

Most banks would offer a choice of fixed or variable interest rate for your car loan. A fixed interest rate loan means your interest rate would remain constant throughout the loan term. As for variable interest rate loans, banks normally quote a certain percentage above the Base Lending Rate (BLR), which means that the amount of interest you pay will change whenever the BLR changes.

3. Late Payment Charges

If you are behind in your car instalments, banks can impose a late payment penalty and charge additional daily interest on the overdue amount. Read the fine print to make sure you don’t get any surprises.

4. Guarantor

Depending on what the banks feel about your capacity to repay your car loan, you may be required to nominate a “guarantor” to support your loan application. A guarantor is essentially the person who will be responsible for paying off the unpaid portion of your loan, including all fees and interest charges that you have accumulated, if you fail to honour the car loan agreement.

5. Insurance

As the car hirer or borrower, it is your responsibility to ensure your car is properly insured. Banks normally require you to take out a comprehensive insurance cover on your car before approving your loan.

6. Repossession

Repossession can happen when you and your guarantor fail to honour your car loan agreement. This usually occurs when a borrower repeatedly fails to pay the monthly instalments as agreed in the agreement.

Car Loan in Malaysia – the Basics

Ever wondered how a car loan works?
The process of applying for a car loan may be long-winded and put many people off, but it is not actually that complicated. So let’s put some sense into what actually happens in the realm of car loans.

Obtaining a Car Loan

What actually happens when you buy a car in Malaysia and what are the things you will face?
In the case of applying for a car loan, you have a choice of either applying it directly from a bank, or indirectly through a car dealer / agent. There are advantages and disadvantages of going with either party – with a bank, you are dealing directly with the one providing you with the loan. Hence, you will not be charged additional commissions or fees that are typically associated with using a third party provider.
If you obtain a car loan through a car dealer or agent, there is a chance the interest rates will not be as competitive as dealing directly with the banks. However, some car dealers or agents may provide additional rebates or discounts on your car purchase, or assist with documentation and the application process, which could make it worth your while.

The Car Loan Application Process

Below is a summarised diagram of a typical car loan application process in Malaysia:
To ensure you qualify for a car loan, you have to be sure that you provide all the necessary documents for your application. Once the application and documents are submitted, it is up to the bank to decide on the approval of your car loan.

Car Loans in Malaysia – Conventional vs Variable Rate

If you drive a car, a car loan is something that you’ll almost certainly have to undertake a couple of times in your life. In this article, we explain the difference between a Conventional Car Loan and a Variable Rate Car Loan, and how they’ll affect your wallet in the long run.

Conventional Car Loan

A conventional car loan is a rigid form of car loan where your interest is calculated based on the principal amount you borrowed and the length of your loan period. With conventional car loan, your monthly instalment is “fixed”. So even if you decide to pay more for one month, the excess monthly payment you make is treated as advance payment for the future, and does not reduce the interest on your car loan.
Example of How Conventional Car Loan Works
Your Principal Loan Amount: RM100,000
Loan Interest Rate: 2.5% 
Loan Period: 5 years
Interest Amount: 2.5% x RM100,000 x 5 Years = RM12,500
Your Monthly Instalment: (Principal Loan Amount + Interest) / 60 Months = RM1,875
If you decide to pay RM2,000 in one particular month instead of RM1,875, the extra money you pay does NOT reduce the total interest you incur.

Variable Rate Car Loan

A variable rate car loan is a type of car loan with interest that fluctuates along with the prevailing Base Lending Rate.  The interest rate of a variable rate car loan is commonly higher than that of a conventional loan. However, because variable loan accounts calculate your interest based on the Reducing Balance Method (where interest is calculated over time based on the loan amount AFTER deduction of what you’ve paid), the interests for both fixed rate and variable rate car loans could work out to be roughly the same.
In Malaysia, there is also a flexible type of variable rate car loan that offers you the freedom to reduce your interest by making extra payments toward your car loan. This type of car loan comes with a linked current account, and works exactly like a flexi-home loan (except for cars). An example of one such car loan in Malaysia is offered by Mach by Hong Leong.
Example of How An Account-Linked Car Loan Works
Assuming the same interest rate and loan period as above, this is what happens when you decide to deposit RM10,000 into a linked account:
Your Principal Loan Amount: RM100,000
Amount in your Linked Account: RM10,000
Amount that incurs Interest: RM100,000 – RM10,000 = RM90,000
Interest Amount: 2.5% x RM90,000 x 5 Years = RM11,250
Your Monthly Instalment: (Principal Loan Amount + Interest) / 60 Months = RM1,687.50

Which Car Loan Should I Choose?

There are no fixed rules when it comes to choosing the kind of car loan you want. Generally, people who like flexibility and have disposable income would find an account-linked car loan beneficial as it gives you the freedom to pay off your car loan faster as well as the option to reduce the amount of interest on your loan. However, people who prefer consistency might favor conventional car loan due to its predictable nature. Whatever it is, when it comes to car loan, the important thing is to do your research and have a clear repayment strategy.

How to Calculate Car Loan Interest and Instalment

Taking up a car loan (also known as hire purchase) is the most common approach when buying a car. In this article, we’ll show you how simple it is to calculate your monthly interest and instalment for a conventional car loan in Malaysia. All you need is a calculator and you’re good to go!

2 Easy Steps to Calculate Car Loan Interest and Instalment

First, determine the values of the loan amount, loan period and interest rate of your car loan, as follow:
Loan Amount = A
Total Loan Period = B (years)
Interest Rate = C
Now, use the following formulas to determine the total interest, monthly interest and monthly instalment of your car loan:
Your Total Interest = C/100 x A x B = X
Your Monthly Interest = X / (B x 12)
Your Monthly Instalment = (A + X) / (B x 12)

Let’s Put This Into Practice, Shall We?

Say you have a car loan amount of RM50,000 at a flat interest rate of 2.5% to be paid over 5 years
Loan Amount = 50,000
Total Loan Period = 5
Interest Rate = 2.5
Your Total Interest = 2.5/100 x 50,000 x 5 = RM6,250
Your Monthly Interest = 6,250 / (5 x 12) = RM104.17
Your Monthly Instalment = (50,000 + 6,250) / (5 x 12) = RM937.50
Take note that the above calculation is based on a flat interest rate for the full loan amount over the entire loan period. In Malaysia, most conventional car loans use this method of calculation.

Home Loans in Malaysia – Types of Home Loans

With more than a dozen banks in Malaysia all offering housing loan products of some sort, it is not surprising that many consumers struggle to differentiate between the different types of home loans.
In general, home loans in Malaysia can be categorised into two different groups – conventional and Islamic. Let’s take a quick look at the difference between the two:

Conventional Home loan

Conventional home loan accounts for a large majority of the total home loans in the market. In a conventional home loan, a borrower agrees to repay the loan amount together with interest over an agreed loan period.
Banks normally charge either a 1) fixed or 2) variable interest rate on conventional home loans (or a combination of the two). Most home loans in Malaysia are variable interest rate loans, with the interest rate tied to the base lending rate (BLR) of banks.
Flexi Home Loan
In an increasingly competitive environment, banks are forced to innovate and expand the types of home loan products being offered. This has brought about the emergence of flexi home loan products.
As its name suggests, a flexi home loan provides great flexibility to a borrower. A flexi home loan is a home loan product that comes with a linked current account. With a flexi home loan, a borrower has the option to withdraw or make extra repayments at any time, without the need to inform the bank beforehand.
Flexi home loans are great for those who may have extra cash flow. Each month, the loan instalment is automatically deducted from the linked current account, and the balance will go towards reducing the amount owed on the home loan.

Islamic vs Conventional Home Loan

Islamic Home Financing
While Shariah-based Islamic Home Financing products on surface have the same characteristics as conventional home loans, they are based on different concepts / principles.
In a conventional housing loan product, banks earn interest from the borrower. In contrast, Islamic home financing products are not interest-based (hence you will seldom see the word “loan” being used in Islamic products, as “loan” suggests an arrangement which involves an interest payment).
Islamic home financing in Malaysia typically comes in two types – Bai’ Bithaman Ajil (BBA) or Musharakah Mutanaqisah (MM).
Bai’ Bithaman Ajil (BBA) Home Financing
BBA home financing is based on a buy-and-sell concept. In a BBA home financing, the bank first buys the property at the current market price, and sells it back to the customer at an agreed price. This agreed price includes the actual cost of the property, plus a mark-up for the bank’s profit.
The bank and the customer would then agree to a term and an instalment amount. No interest is charged.
Musharakah Mutanaqisah (MM) Home Financing
MM home financing is based on a partnership concept. In a MM home financing, the customer and the bank jointly buy and own the property. The bank then leases its share of property to the customer, and in return, the customer promises to buy the bank’s ownership in the property. The customer pays rental to the bank under ijarah, of which a portion of the payment is used to gradually purchase the bank’s share in the property.

6 Things You Should Consider When Taking Up a Home Loan To Buy a House In Malaysia

To the common folks, choosing a home loan is almost as hard as choosing the property itself. If you’re currently in the midst of shopping for a home loan to buy the house of your dream, here are 6 things you should consider before making what would arguably be the biggest financial decision of your life.

1) Type of Home Loan

First and foremost, consider what works best for you: a Traditional Term Loan or a Flexible Home Loan (“Flexi-Loan”). A Traditional Term Loan requires you to pay a fixed amount each month for the entire tenure of your home loan (e.g. 30 years), whilst a Flexi-Loan gives you the option of reducing your interest whenever you wish (i.e. by saving your extra money into a linked current account. The more you save, the less interest you pay).
If you have a strict and predictable cash-flow pattern, a Traditional Term Loan may be best. If you prefer flexibility in paying off your loan, a Flexi-Loan is recommended.

2) Interest Rate

As of all loans, your priority should probably go to the bank that offers you the lowest interest rate. Citing an example we’ve used before: for a home loan of RM500,000 over a period of 30 years, the difference in interest between an interest rate of 4.2% and 4.15% (i.e. a mere 0.05%) could be well over RM5,000! 

3) Margin of Financing (How Much You Can Loan)

Depending on various factors which include the value of the property as well as your standing with the bank, different banks may offer you different Margins of Financing. As you’ll be required to pay any amount not covered by the home loan upfront, this becomes very important especially if you’re short on cash.
As an example: for a RM500,000 house, you’ll need to pay RM100,000 upfront if your Margin of Financing is 80%; but you’ll only need to pay RM50,000 upfront if your Margin of Financing is 90%.

4) Lock-In Period

Lock-In Period is the period you’ll incur a penalty (usually 2-3% of the principle loan amount) if you choose to pay off your home loan in full before it reaches the end of its tenure. When it comes to choosing a home loan, it pays to have the Lock-In Period as short as possible and the penalty as low as possible. Also, some banks do not charge a penalty at all if sufficient notice is given. 

5) Fees & Charges

A home loan application involves professional and government-regulated processes such as preparation and disbursement of loan agreement, payment of stamp duty and processing by the bank, just to name a few. All these processes usually come with fees & charges that will be borne by you, the buyer. In certain cases, it may also be wholly or partly borne by the banks as part of your loan packages. Hence, is it best to sit down with the loan officers (for all the banks you are considering taking your home loan from) and have them run through the fees and charges with you. The task may be repetitive and time-consuming… but it’ll be time well spent.

6) The Bank

Lastly, understand that you’ll be dealing with the bank on a very frequent basis for as long as your home loan is in effect (which may be 20 to 30 years). With that in mind, you should probably choose a bank you are very comfortable with. Some of the things you may wish to think about include:
  • Do you have an existing savings or current account with the bank (for ease of inter-account transfer)?
  • Are you satisfied with their standard of service?
  • Is a local branch available near your home or office?
  • Do you consider the bank to be trustworthy or reliable?
  • Does the bank offer value-added services that will make your life easier for the long haul?
  • How is the bank’s reputation as a whole?

Are You Financially Ready to Buy a House in Malaysia?

Owning a home you can truly call your own represents the ultimate dream for just about anyone. But with escalating real estate prices and the burden of lengthy loan repayment periods that easily go into 30 years or more, buying and financing a home is not just a matter of saying “I like it” and signing on the dotted line. It is something that should be done with a great deal of sense and prudence.
For all aspiring Malaysians who are actively considering buying a home by taking a loan, here are three things to determine if you’re financially ready to undertake this life-changing endeavour:

1) Do You Have Enough for the Upfront Costs?

In Malaysia, most banks offer up to 90% of the property’s price (margin of financing) for your first two residential properties. If you receive that 90%, you need 10% cash to pay for the rest of the property’s price.
Say you’re targeting to buy a condo in Cheras for approximately RM400,000, you must have a minimum RM40,000 to pay upfront, be it from your savings or money from your parents or siblings.

2) Do You Have Extra Cash for Miscellaneous Fees and Charges?

First-time home buyers may not know it; but buying and financing a home takes more than just the deposit and the loan, it also involves miscellaneous fees and charges that include, amongst others:
1. Stamp duty for transfer of ownership title (also known as memorandum of transfer or MOT) = 1% for the first RM100,000; 2% on the next RM400,000, and 3% on the subsequent amount.
2. Sale & Purchase Agreement (“SPA”) legal fees = 1% for first RM150,000 and 0.7% of remaining value of property within RM1 million
3. Stamping for SPA = Less than a hundred Ringgit
4. SPA legal disbursement fee = A few hundred Ringgit
5. Loan facility agreement legal fees = 1% for first RM150,000 and 0.7% of remaining value of loan within RM1 million
6. Stamp duty for loan = 0.5% of loan amount
7. Loan Facility Agreement legal disbursement fee = A few hundred Ringgit
8. Fee for transfer of ownership title = A few hundred Ringgit
9. Mortgage Reducing Term Insurance (ie. think of it as a life insurance for your home loan) = RM1,000 or more (some banks waive this amount)
10. Government Tax on Agreements = 6% of total lawyer fees
11. Bank processing fee for loan = RM200
*Note: The percentages are based on recommended numbers and industry averages. Actual figures may differ.
To put things into perspective, a home valued at RM400,000 with 90% margin of financing comes close to about RM20,000 in fees and charges – which will have to be borne by you, the buyer. Now consider this: do you have the money to make it happen?

3) Can You Afford to Pay the Monthly Instalment?

Unless you have the financial muscle to buy a property with cash upfront (in which case, this article probably wouldn’t apply to you), you’ll need to secure a loan from a bank or a financial institution to help pay for your home.
Based on the current market rate of 4.2% to 4.4% p.a. interest for a standard home loan, you will need to pay a minimum of RM1,760 per month over the next 30 years for a 90% loan to finance a RM400,000 home. 
As most financial experts recommend that you allocate no more than one-third of your total income to pay off your home loan, this means you or your household should have an income of at least RM5,280 per month to afford the RM400,000 home.
Take note that Malaysian banks generally allow you to hold loans (including commitment for car loan, personal loan etc.) of up to 80% of your income if you have a relatively good credit score, so you can always choose to increase your monthly instalment and shorten your loan term. But make sure you’ve done the math and understood the financial implications before you commit!

What If I Don’t Qualify?

For those of you who can afford the monthly instalment but do not have the necessary savings for down payment and legal fees & charges, hope is not lost.
For a start, you may consider looking around for properties with free SPA and loan facility agreements to save thousands of Ringgit in legal fees. This should be relatively simple as most new property projects commonly absorb the costs of legal agreements for home buyers.
To cut down on the initial payment needed to buy a home, do actively shop around for properties with low initial down payments. Many developers now offer competitive early bird or “easy entry” sales packages which include rebates of between 2% to even 10% of the property price.
Ultimately, buying a home is a serious life decision that shouldn’t be taken lightly. Though owning a home in a posh area is always nice, one should always consider one’s financial position when it comes to buying property, so you don’t end up being overly burdened for the next few decades. Hopefully, this article will serve as a general guide for all Malaysians who are thinking about buying a home now.

5 Common Home Loan Mistakes That People Make

Taking a home loan? Here are 5 common home loan mistakes that people make especially when they’re applying for it for the very first time. Read on so you can avoid these pitfalls too.

Diving in When You’re Not Qualified

Banks, by nature, are generally eager to offer home loans to qualified homebuyers. The keyword, though, is “Qualified”. In Malaysia, a qualified home loan applicant generally refers to one with the appropriate Debt Service Ratio (DSR) and has no red marks on the Central Credit Reference Information System (CCRIS) report collated by Bank Negara. If you don’t fit the criteria, they’ll have no problem rejecting your application. So before you apply you’ll want to make sure you’ve done the necessary preparations and are not fighting a lost cause right from the start.
Tips on DSR and CCRIS
- You can easily check your DSR by dividing your total monthly debt / loan commitment (including the loan you plan to take) against your monthly income. Say the bank has a DSR requirement of 50% and your monthly income is RM10,000; you’re considered a qualified candidate if your total loan / debt commitment is RM5,000 or less.
- You can make sure your CCRIS is clean simply by servicing all your existing loans, debts and credit card bills on time.

Going Straight for the Lowest Interest Rate and Nothing Else

You’re going to borrow a big sum of money. Obviously, you’ll sign up with whoever that offers you the lowest interest rate. Right? To a certain extent, it is. Your priority should definitely lies with getting the lowest possible interest rate, but you shouldn’t forget about things like margin of financing, lock-in period, and simple stuffs like making sure a branch is within your vicinity.

Applying with Just One Bank and Telling Them So

In Malaysia, it has become a general practice for seasoned homebuyers to “shop around” for the best home loan deals before you commit.  Apply with only one bank, and what you’re really doing is giving yourselves no other options even if the terms offered to you are appallingly bad.
The even worse mistake you could be making is telling a loan officer that “they are the only bank you’re applying with”. It’s pretty much the same as giving them the licence to give you the worst possible rate, because they’d know you have no where else to turn to as the 2-or-3-week deadline you’re usually given by the housing developers runs down.

Not Factoring in Your Home Loan Costs

Home loan involves fees, charges and even home insurances that may come as a surprise for the inexperienced homebuyers. Some banks absorb part of these charges, whilst others may not. Most homebuyers have limited funds (and hence the need to take a loan), so it is imperative that you understand these charges involved before you commit.

Not Reading the Terms & Conditions

It is very important to read all the fine prints for anything that involves money. This goes for your home loan agreement as well. If you don’t have the capacity to do so, make sure you get the loan officer to point out all the things that matter (such as loan amount, interest rate, instalment amount, loan period, margin of finance, lock-in period, early settlement penalty and fees & charges).
The general rule: if it doesn’t appear in your agreement, it doesn’t take effect. Period. So if your home loan shows a lock-in period of 3 years whilst your officer is telling you it’s 1 year, the former wins. All the time.

Gold Investments Bring In The Money: A Guide for Beginners

Investment provides individuals a chance at a promising future, and there are many attractive investment options one can choose from. Today, we will focus on gold investments, which are very popular with those new at investing. By the end of this post, you will understand why gold is popular among savvy investors.
As you might already know,gold investment is really about the use of gold as the prime object of the venture. You may ask, why gold? And history would answer that numerous societies & cultures have treated gold as of the highest value. While nowadays it is no longer used as the main currency, it is still one of the most valuable assets anyone could have.
Experts note that the value of currencies all over the world is very much subject to the changing economic climate. No matter how big or small the changes are, you’ll notice that gold prices, or to put it more accurately – the value of gold – is almost always stable. While some investors grapple on stocks amid chaos, gold investors are usually relaxed. This is because of the fact that gold is considered to be a universally stable investment.

Advantages of gold investment

One major advantage to gold investment is that it is widely accepted worldwide. It is for this reason that investments in gold is considered to be liquid—easy to acquire and easy to dispose. Most gold investors can liquidate their investments within a span of 24-48 hours.
Seasoned investors would also tell you that gold adds to the diversification of an investment portfolio. In fact, many fund managers and investment professionals would advise that investors allocate around 5% to 10% of an overall portfolio in gold. It is said that such a strategy enables one to offset or dampen losses from other risky investments during market weakness.

Investing in gold – the dos and don’ts

So now that you know what makes gold investments so unique, how would you go about investing in gold?
The first thing to do is to learn more about gold as an investment. You must make an effort to read about gold investments even before you make your first investment. To this end, you can take advantage of the many online resources that tackle this side of the investment industry.
However, a word of caution is necessary here. Even though gold is highly liquid, you should avoid investing in gold using borrowed money, particularly if you’re very new to gold investment. Any investor would tell you that borrowing to invest is particularly risky. So what should you do? It’s always better to set a budget for your investments. This enables you to always be in control of your hard-earned money.

The different kinds of gold investments

There are different kinds of gold investments. You can focus on gold bars, gold bullions, gold plates, gold coins, and gold futures. However, gold futures aren’t very advisable if you do not have a strong background in finance / gold trade. Trading gold futures is complicated and is typically conducted only by seasoned professionals.
On the other hand, investing in gold bullions is considered a good way to be exposed to gold investments. Malaysians can buy and sell gold without actually ever owning the physical bars via gold investment accounts offered by banks. 
Gold is undoubtedly a good investment choice, even for novices. You just have to be careful and be thoroughly prepared before investing your first dollar. Armed with the right information and perseverance, this universal currency can give you some good returns over the long term.

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