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Wu Liu
Where to Park Your Cash

You have money, you need a place to put it for a while and the financial institutions are lining up at the door. You may be tempted to fall for whatever suitor makes a good first impression, but remember: This choice is all about you.

The best short-term savings account is the one that best matches your needs in the following areas:

1. Access: How often will you need to dip into the account, and what's your preferred method of access -- ATM, check writing, online, and the like?
2. Interest: How much will the institution pay you for babysitting your money, and does the amount you need to park in the account qualify for the best rates?
3. Service: Might you require bells and whistles, such as in-person customer service, or are you more of a DIY, low-maintenance customer?
4. Penalties: Should your plans change -- you need to get to your moola sooner than planned, for example -- how harsh of a punishment will you need to endure?

Now, let's review the major aspirants:

Checking accounts

Checking accounts are meant for transactions, not savings. That's why many don't pay much, if any, interest. However, some banks do combine the conveniences of checking with the return of a money market account. Also, as "asset management" accounts at brokerages become more feature-rich -- offering unlimited check writing, ATM access, and money market rates -- more folks are shunning the banks in favor of brokers.


• Your money is only a check or an ATM machine away.
• A bank branch is usually not far, often in your grocery store, if you're so old-fashioned as to want to deal with a human being.
• As with all bank deposits, checking accounts are insured by the Federal Deposit Insurance Corp.


• Depending on the bank, you may not earn much, if anything, on the money in your account.
• Many checking accounts require a minimum balance or charge fees, or both, which are a pox upon your pecuniary patience.

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Wu Liu likes this.
Al N. Lewis
60-Second Guide to Short-Term Savings

Could you cover the cost of a new water heater if yours suddenly went on the fritz? Would you have to put the unplanned purchase on a credit card, and then adopt a Ramen-only diet for months afterwards just to cover the tab?

Having money at-the-ready for life's financial hiccups -- both planned and otherwise -- can cut a lot of stress from your life. Give us just 60 seconds, and we'll show you how to establish a short-term stash of cash in no time.

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Al N. Lewis and Wu Liu like this.
Hye Yoon
MWI Consultants Inc Financial Tips That You Should Know

Everyone is hoping for a better year and MWI Consultants Inc wanted to be a part of it. Here’s some of the basic financial tips we prepared on how to have a successful year.

A. File your taxes early

We’re certain that you’ve heard this a thousand times before, but it’s really effective. Scammers are everywhere, so file your taxes as soon as possible just to be safe. They might steal your Social Security number and file your taxes electronically, and leave you with a big tax refund on their hands. You don’t want that to happen, right? So accumulate your tax documents now!

B. Increase your contributions

Make sure to increase your contributions to your employer retirement plan with a minimum of 1 percent. You should be maximizing your tax-deferred contributions and aim to contribute enough to get all of the matching funds from your employer.

C. Get started on your estate planning

Schedule a meeting with an estate-planning attorney in 2016 and begin your estate planning. Everything must be in order just in case something happens to you for the benefit of your loved ones.

D. Give importance to your health

MWI Consultants Inc strongly believes that health is wealth and we’re aware that health care is expensive. We’re certain that the biggest part of your retirement expenses will be health care-related. Even if you deny it, it is the reality that’s waiting for all of us and different studies from various organizations support that. It is necessary to invest in your lifestyle today by acquiring that gym membership and actually begin using it. You can hire a personal trainer if you’re not that motivated to do so. You MUST give great importance to your health and start working out. Good health yields enormous savings, not to mention quality of life. Health is your most powerful weapon against all odds, so cherish it as long as you live.

E. Learn financial education

You cannot gain anything without first giving something in return. Dedicate your time in learning financial education to become prepared for the odds of the future. With this, you’ll be able to spend your money wisely and you’ll be smarter in managing your money. If you need help regarding this matter, MWI Consultants Inc is always available to guide you.

F. Pay yourself first

When it comes to budgeting, it’s not only about paying the bills; it’s also about paying yourself. The level of priority you give in paying your bills should be the same level with handling your savings account. Always include your savings in your monthly budget – consider it as one of the necessary bills you need to pay.

G. Set up an emergency fund

There are a lot of unexpected situations that could happen in your life, such as job loss, decrease in income, or medical emergency, so it’s important to have an emergency fund.

How you handle your money today will define your future, so be careful. MWI Consultants Inc promises to post a lot of different financial tips in the future to help everyone achieving their financial goals.
Hye Yoon, Al N. Lewis and Wu Liu like this.
Crawford Qrvar
MWI Consultants Inc financial tips that you should know to have a wondrous future

Perhaps you’ve already seen hundreds of articles telling you how to save money, but MWI Consultants Inc has much better tips to give you for a better and smarter future! We list all of the best possible tips for you to consider and should accomplish. You should definitely do these things even if you’re still young – it is much better, believe us.

Contribute to 401(k) ASAP!

New research from Fidelity Investments states that 36 percent of retirees wished they had saved more during their working years and 33 percent wished they had started saving earlier. Imagine how many individuals regret of not having earlier savings.

MWI Consultants Inc has this particular strategy that will pay off more in the long run – it is to make the most of your 401(k) now and max out your employer-match contribution. Don’t let that free cash disappear and negotiate to be vested sooner and/or receive a higher match opposed to $1k to $2k more every year.

Don’t tell yourself you’ll pay yourself back later because you won’t

Most of us has this attitude of getting some money into our personal savings or 401(k) for some emergencies or something recreational (or buying the newest brand of smartphone that’s really, really cool) and then we convince ourselves that we’ll pay ourselves back for the deduction soon so that we feel less guilty about it, but there’s a higher chance that it will never happen! MWI Consultants Inc believes that after going through this post, you’re going to be more careful in spending your money. Don’t be a capricious individual when it comes to money. Be more responsible as possible. Emergencies tend to happen sometimes so make sure you have a separate fund for it.

Credit cards are not free money!

Once you’ve turned 18, don’t be surprised if you’re targeted by credit card companies. MWI Consultants Inc advises you to become more cautious and don’t fall into their trap. Numerous students with no job have been victims of this scheme. Some of them maxed out their cards in months and was unable to pay the bills. They missed the payments for years until their debt was in such dire straits that they were offered payoff deals. The debt, and the permanent mark it left on their credit score, followed them for years, making it difficult to buy a car, purchase a home, or even build their savings.

Don’t be too big-headed

There are some people who want to buy some luxurious stuffs once they got their first paycheck on their high-paying job with the sole reason of just showing off to their friends and impressing them with what they achieved. Believe MWI Consultants Inc when we say that 70 percent of the people around you doesn’t care about what you have and what you do. You’ll just waste your money trying to impress them. You must spend your money on much more important things.

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4 people like this.
Al N. Lewis
The best ways to buy investment trusts

Investment trusts are a great way to boost your returns, thanks to low charges and transparency, but what is the best way to invest?

Making the most of investing is not just about picking investments wisely, it's also important to make sure you hold them in the best place.

Costs are consistently being trimmed and investors can now choose to hold all everything within one handy online wrapper.

What are investment trusts?

Investment trusts are listed companies with shares that trade on the stock market.

Trusts invest in the shares of other companies and are known as closed end, meaning the number of shares or units the trust's portfolio is divided into is limited. Investors can buy or sell these units to join or leave, but new money outside this pool cannot be raised without formally issuing new shares.

Investment trusts can be riskier than unit trusts because their shares can trade at a premium or discount to the value of the assets they hold, known as the net asset value.

Why use investment trusts?

Fees for investment trusts tend to be lower than funds, which means your returns are not as affected by charges.

An investment trust is closed ended, meaning there is a fixed amount of shares, unlike in a fund where you risk having your returns diluted if more people invest or if a whole load of people try to sell out their holding.

There is an old Square Mile adage that ‘unit trusts are sold, but investment trusts are bought’.

What the City veterans are getting at here is that the investing public is bombarded by advertisements and mail shots about the vast universe of open-ended funds, i.e. unit trusts and OEICs, which tend to have large marketing budgets.

But people typically have to do a bit of work themselves to discover the advantages of the much more introvert investment trust world.

The fact is, investment trusts don’t advertise anything like so much because, as so-called closed-end funds, they have a fixed number of shares in issue.

Therefore, the argument goes, if you are inviting one person to buy then you are also asking someone else to sell. Not much point – and certainly no money – in that.

Those who take the time to research the fascinating but understated investment trust sector are unlikely to regret it.

In fact, delve a little deeper and ask a few pointed questions and you will find that many fund management professionals put their own money into investment trusts as the vehicle of choice.

The problem for those who prefer investment trusts to funds (Oeics and unit trusts) is that while their management charges are lower and there are no initial fees, they are traded like shares and so attract dealing charges.

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4 people like this.
Sora Sakai
How to invest in funds, investment trusts and ETFs - and save money as a DIY investor

Investing in funds and investment trusts is the route often recommended to small investors by the experts.

Picking individual shares means you need to do plenty of research and spread your risk carefully, whereas buying a fund allows investors to pool their money with others to access a range of investments and avoid putting all their eggs in one basket.

There are a variety of ways to do this, from the most popular 'fund' options, to investment trusts and exchange traded funds.

Some tap into professional's expertise while others simply track a certain index, some follow popular markets while others allow access to obscure and adventurous corners of the world.

We explain what funds are, how to invest, and how to save money by using a DIY investing platform.

What are funds?

When investors talk about funds they are typically referring to either unit trusts, or open-ended investment companies, Oeics.

This jargon may make them sound complicated but they are essentially just funds where investors' money is pooled to invest in shares, bonds or other funds.

The idea is that as the fund invests in lots of different companies' shares or bonds, the risk of you losing all your money is less than it would be if you were in a single company's shares.

Similarly, most funds will have a fund manager. This will be someone, typically with substantial investing expertise and experience, who will aim to beat the market and provide the best return for investors (although, often they do not manage to do so.)

When times are good a fund manager aims to do make higher gains than their peers, when times are bad a good manager will come into their own by continuing to make money, or just not losing as much as their peers.

Investors have to make a minimum investment, usually £500 to £1,000 to access a fund, and their investment will either go up or down in value depending on how the assets it has bought have performed.

Funds typically have two versions: and accumulation class (acc) which rolls all dividend income back into the fund to boost growth, or an income class (inc) which pays out dividends to those who wish to have them as income.

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5 people like this.
Intan bin Haryati
MWI Consultants Inc in Singapore on Privacy Policy

This Privacy Policy governs the manner in which MWI Consultants collects, uses, maintains and discloses information collected from users (each, a "User") of the website ("Site").

Personal identification information

MWI Consultants Inc may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources the company makes available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. The company will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

MWI Consultants Inc may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers’ utilized and other similar information.

Web browser cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

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6 people like this.
Shikitei Okura
MWI Consultants Inc in Singapore: Terms and Conditions

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the website (the "Service") operated by MWI Consultants ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by MWI Consultants Inc.

MWI Consultants Inc has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that MWI Consultants shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

MWI Consultants Inc strongly advises you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements the company might have between us regarding the Service.


MWI Consultants reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material the company will try to provide at least 15 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Our Terms and Conditions agreement was created by Terms Feed.

Contact Us

If you have any questions about these Terms, please contact us.
7 people like this.
Elza Sikora
The Products Offered by MWI Consultants Inc in Singapore

Primary Investment Products

To assure our clients that MWI Consultants Inc deliver to them the best service possible, MWI Consultants Inc offer a complete selection of advantageous financial products. Our Account Managers stand always ready to recommend which products are of most benefit to you and your portfolio.

International Equities

Investing so heavily in just one country could mean your portfolio could be adversely affected in case that particular market falls. By investing globally, you can distribute your risks and exploit such regions and industry sectors that have strong markets.

Gilts & Bonds

Gilts and bonds provide an advantageous way to acquire a more predictable and consistent return on your investment. Aside from being easy to buy and to sell, many of them also come with capital-gains tax exemption.


Funds are a bundled type of investment that allows you to invest indirectly in corporate shares or other investments, such as bonds or shares. Oftentimes, they can also be contained within a tax-efficient ISA cover.

Exchange Traded Funds (ETFs)

Exchange traded funds (ETFs) are a security that monitors a commodity, an index, or a collection of assets, but trades like stocks on an exchange. Likewise, they are more-or-less secure, cost-effective way of investing in the gold-bullion sector.

Exchange Traded Commodities (ETCs)

ETCs are handily traded investments offering easy access to hard-to-access commodity markets. They fit into a vast selection of risk profiles as well.

Structured Products

Structured products include synthetic investment instruments, created to satisfy particular needs not provided by standardized financial instruments. They provide opportunities to invest in otherwise hard-to-access assets or take a risk-conformed exposure to traditional assets.

Foreign Exchange

There are many different classes of foreign exchange investments options ranging from pot exchanges to forward exchange contracts, including option dated forward exchange agreements.

Covered Warrants

Issued by financial agencies, covered warrants include flexible tools offering leveraged exposure to a broad selection of underlyings, such as baskets, equities, indices, currencies and commodities.

Contracts for Difference (CFDs)

CFDs is a leveraged ‘derivative’ product which offers the potential to trade on live-market price movements without physically holding the underlying instrument.

Financial Spread Trading (FST)

Financial Spread Trading lets you speculate on the rise-and-fall of international financial markets and delivers a tax-efficient option to other trading alternatives, such as share dealing.


Turbos monitor an underlying asset, often a European currency or index and gives investors a way to acquire full exposure to an asset’s price. They also include a "knock-out barrier" and, therefore, offer limited downside risk.

New Issues

New issues opens options to access investments before they are traded on the market and come in two major forms: New Retail Bonds or Initial Public Offerings (IPOs).


Aside from bank and building society accounts, cash investment also involves bank deposit certificates and cash funds offered by fund managers.
8 people like this.
Bethari Leong
MWI Consultants Inc in Singapore: Research and Analysis

The Foundation of Efficient Investing

Research serves as the foundation of what MWI Consultants Inc does. For us to be able to provide the best and most suited strategy for your portfolio, MWI Consultants Inc aim to work only with the most qualified and capable professionals.

To determine the best options in the market, our research-and-analysis teams work hand-in-hand with our account managers to assess your investments and offer valuable insights into the securities you have chosen.

To assure that you always receive up-to-date information pertinent to your portfolio, our research teams will deliver fresh and consistent confidential reports, including recent developments and market patterns affecting you and your investments.

Individual Stock Analysis

MWI Consultants Inc provides individual stock evaluation for Developed Market as well as for Emerging Market equities. Our team can develop an equity-model portfolio customized to fit your needs and help you come up with educated investment decisions.

Furthermore, all securities analyzed are converted into holdings within our Discretionary Portfolios. Our equity research is also strictly managed by the Structured Products team by consistently covering stocks designed using derivative structures.

Specialized Research Teams

MWI Consultants Inc advisory teams consist of expert financial professionals with broad institutional research experience. MWI Consultants Inc pays close attention to your requirements and provides simple, direct recommendations on the best-suited strategy for your individual situation.

To assure that we obtain the most relevant and well-informed macroeconomic perspective, we collaborate with specialized analysis teams in various sectors. This serves as the foundation of all of our recommendations, whether we deal with bond, equities, funds or alternative investments.

MWI Consultants Inc likewise take full benefit of the knowhow and experience of third-party industry leaders in order to provide you regularly with the broadest possible access to expert advice, while at the same time acquiring the excellent insights.

Clear, Transparent, Up-to-date Advice

MWI Consultants Inc appreciates how important it is for you to know your portfolio is under the expert and attentive care of qualified managers. Hence, we assure our clients that all research and analysis data are provided to you using clear, transparent and uncomplicated manner.

MWI Consultants Inc also aims to identify the primary options, trends and developments that affect you. Our team will collate and analyze information pertinent to any possible traded asset type in order to make sure that you obtain only the freshest and relevant advice.
9 people like this.
Atsuko Tamamiya
Services Offered at MWI Consultants Inc Singapore

Investment Banking Services

MWI Consultants Inc has a corresponding solution for any need you may have. Our Account Managers can either manage your portfolio for you or you may opt to manage it directly yourself; hence, you have various options on how you want to manage your investment portfolio.

Advisory Services

In case you want to make your own investment decisions and trade actively but do not have the resources and time to do so, our Advisory Services will be your representative.

Our Advisory Services will obtain for you the best options in a dynamic financial market, while directing the investment process yourself. Our counselors will offer expert insight and suggestions, regularly assisting you with interactive advice that constantly takes into account your risk limitations.

MWI Consultants Inc offers these benefits of our Advisory Services

1. Innovative investment concepts and expert recommendations
2. Direct access to our specialists and a dedicated dealer for personalized assistance
3. Superior execution capabilities
4. Active trading support
5. Access to a long list of brokers
6. A wide selection of securities
7. Competitive pricing

Discretionary Services

Our Discretionary Portfolio Management service provides you a team of expert portfolio managers to whom you can confidently entrust your investment decisions.

Having a mix of eight discretionary portfolios customized over a broad range of client risk-levels allows us to efficiently manage the portfolios to seize bright opportunities and minimize risks on your behalf.

Benefits of Discretionary Services

1. A team-approach for efficient performance
2. Robust risk management using diversified risk sources
3. Security selection based on research
4. Consistent risk monitoring
5. An excellent track-record. Our returns have consistently exceeded our portfolio benchmarks over a rolling five year period.
6. Investment limits applied across asset classes, country and industry exposure
7. Quality Research and Broad Product Selection
9 people like this.
Lawrence Yang
Different Approach of MWI Consultants Inc in Singapore

Safeguarding Your Financial Future

Pondering upon ways to build up your wealth involves one of the main concerns you will face today. MWI Consultants Inc offer you a strong protection for your financial future by delivering counseling and planning services MWI Consultants Inc deem best suited to help you attain your financial objectives.

Finding A Risk Profile That Suits You

Our major thrust in serving clients is to match their risk expectations as a vital factor in a financial strategy. Hence, MWI Consultants Inc only deliver investments that suit a particular risk-profile you will be comfortable with and at the same time obtain the level of profitability that satisfies your long-term needs.

Considering that your financial needs or and situation may change in time, as they always do to some degree, MWI Consultants Inc aim to collaborate with clients and work with them hand-in-hand to manage their portfolios and suggest necessary changes when required. Moreover, MWI Consultants Inc will submit up-to-date status reports and assessments that offer a clear and comprehensive perspective of your financial progress.

Creating the Right Strategy for Your Investment

Our commitment is to create a financial plan for you utilizing a well-designed investment strategy which requires allotting assets over a central portfolio with other related Investments. The procedure blends an investment approach supported by international economic research and extensive analysis into every particular type of securities available for you.

With the investment industry continually changing in time, MWI Consultants Inc assures our clients of the best information and prospects by utilizing the most up-to-date market technology available. Together with our track-record and know-how, MWI Consultants Inc is in a better position than the rest of our competitors to map out a bright and obstacle-free road toward your financial success.

Investment with the personal touch

MWI Consultants Inc does not consider any client just another portfolio account but a person with needs and dreams. Your personal choices and goals will serve as the foundation for a truly customized strategy MWI Consultants Inc will work together to create and which will represent your entire character.

Likewise, MWI Consultants Inc firmly believes that the more you have access to valuable information, the more confident you are to make sound financial decisions. As a result, MWI Consultants Inc are in a better position likewise to devise and fine-tune a portfolio that is best suited to your objectives as well as being consistent with your values.
11 people like this.
Al N. Lewis
MWI Consultants Inc in Singapore

Successful Asset Management

MWI Consultants is a globally-known Financial Planning Consultancy Service providing financial strategies and advisory to top net-worth companies, families and individuals.

Experienced, Dedicated, Financial Professionals

Effective asset management demands great expertise -- our team of highly-qualified, dedicated researchers possess the capability to engage in international equity markets. Moreover, our full advice is diligently founded on comprehensive research and analysis, allowing you the confidence to expect and attain the highest benefits out of the opportunities we open up for you.

Complementing our expert team is our wide network of more than fifty global intermediaries and affiliates, offering our clients access to a broad spectrum of the most reputable global investments. Included in this network are other professionals, such as bankers, stockbrokers, accountants and solicitors who augment our ability to provide the most judicious, consistent and dependable advice.

Ensuring our clients of obtaining a specialist-created portfolio mix demands our devising an open-architecture product platform backed up by investment specialists with track records in various of asset types, such as Fixed Income, Foreign Exchange and Derivatives, Funds and Alternative Investments, and Structured Products.

Bespoke Strategies Tailored to You

We do not conform to the common practice of some competitors who do not offer out-of-the-box solutions. We provide entirely bespoke service through our account managers who patiently develop a comprehensive assessment of your present financial condition as well as your goals prior to creating a method of approach and the corresponding recommendations.

The plans and methods we provide will incorporate daily, monthly, and yearly measures and each map or schedule is completely distinct. The approaches we develop aim to enhance long-term development and short-term benefits.

When MWI Consultants obtains a complete perspective of each client’s financial situation, it then conducts an extensive study of ‘the entire market’ to determine the most viable options for maintaining and enhancing the client’s portfolio.

Perfectly Placed to Meet Your Needs

Operating in Singapore, MWI Consultants is one of South East Asia's top complete-service institutional and retail-brokerage firms. It has remained as one of Asia’s most reputable and respected financial-services providers of its kind.

Possessing an efficient infrastructure, a very stable financial-services sector and a well-trained workforce, Singapore allows companies such as MWI Consultants to deliver excellent international investment solutions.

Accessible, Transparent Communication

MWI Consultants adheres to the vital role that communication plays in making sure your objectives are satisfied. Our Account Managers stand ready at all times to provide solutions to your issues and expert guidance. Likewise, we assure clients of our commitment to provide a clearly transparent and friendly service to our customers, eliminating complex financial lingo and offering simple, direct and honest communication.
11 people like this.
Al N. Lewis
Created by Al N. Lewis
11 people like this.

About this group

MWI Consultants is a globally-known Financial Planning Consultancy Service providing financial strategies and advisory to top net-worth companies, families and individuals.

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