Here is what you need to know about living in Section 8 housing: No matter what, always pay . The drop box is open Monday through Friday from 8:30 a.m. to 4:30 p.m. To claim a prize by mail, send the signed winning ticket and a completed claim form to: New Jersey Lottery. Therefore, someone with an annual salary of $150,000 would need around $120,000 per year to maintain their lifestyle in retirement. Have a question? The answer is somewhere between $3 million and $5 million, according to the 553 investors worldwide who shared their views in the latest MLIV Pulse survey. advantages to be gained from living here. For this study, we defined millionaire as an individual or couple who earned at least $1 million in adjusted gross annual income. Summary. Jim Barnash is a Certified Financial Planner with more than four decades of experience. It doesn't account for other expenses considered staples of the middle class: Retirement savings, internet or cable bills, or the cost of dining out. Will they need to help their adult children pay off student loans? You got this. The Garden State comes in fifth. time is around three and a half hours. It is recommended to get 10 times your salary in life insurance, but really, you should consider getting as much as you . Therefore, I thought I should write a post that tells you 20 important (some less important) things you need to know and should consider before you move to Jersey. obtain a visa or entry clearance prior to arriving in
That number may scare you, but it's a reminder to ensure you're making the right financial moves today. modern medicine and expertise. We did get some snow this year but that was the first time for 5 years. SmartAsset does not review the ongoing performance of any Adviser, participate in the management of any users account by an Adviser or provide advice regarding specific investments. Any income above 625,000 is
Answer 20 questions and get matched today. That means roughly 0.31% of filers took home at least $1 million in adjusted gross income. There are no travel restrictions to Jersey for those holding a
jurisdictions assessed under their criteria. In Jersey we dont have council tax. and a warm micro-climate. the island, as well as to protect Jersey's commercial
Today's retirement advice badly needs a facelift. This number is way out of reach for many Americans, considering the average amount Americans have saved between the ages of 55-65 is $197,322, a far cry from what you'll need in retirement. According to a recent survey conducted by Schwab Retirement Plan Services, the average American needs about $1.9 million to retire comfortably. Jersey Marinas offers
For example, a person who plans to retire relatively early at age 55, will presumably need more in savings than a person who plans to delay until age 72. Our clients include the major developers and lenders in the
which the island may benefit if the qualification is granted. Specialist advice should be sought
"Or a lot of them end up in situations where they're maybe doing OK, but then something like Sandy happens, or then COVID. The default is 67, although you can begin drawing Social Security benefits at age 62, which some consider an unofficial threshold for early retirement. When the financial planning and money experts said that $1 million was the magic amount you needed to have for a comfortable retirement, they didn't actually mean everyone of all ages. The best answer may be this: Own your retirement instead of letting it own you.Save as much as you can and remember that what really counts isnt just the goal of retirement but the journey to get there. Help us cover more:What makes a home? residence has increased owing to a new policy designed to attract,
A couple with a combined income of $1 million in the state of New York pays an effective state income tax rate of 6.57%. Photo credit: Christopher Furlong/Getty Images, 10 costliest states for a comfortable retirement. How Much Do I Need to Save for Retirement? You might be using an unsupported or outdated browser. That universally applied you need $1 million to retire advice wasnt ever a one-size-fits-all. Amanda Devecka-Rinear, who leads a nonprofit formed in response to superstorm Sandy, said many of the residents that the New Jersey Organizing Projectassists are people on the brink of needing government assistance but who don't yet qualify. Organisation for Economic Co-operation and Development (OECD), the
It used to be 50. In other words, if you want to buy a five million dollar house, then you should earn about $1.67 million a year. This option is available in Georgia, Indiana, Kansas, Kentucky, Nebraska, New Jersey, New Mexico, New York, Ohio, South Dakota, Texas, Virginia, West Virginia, Wisconsin, and Wyoming. Planning for retirement takes time and focus to get right. Below, we looked at the unique economic profiles of each state through IRS data to find the states with the most million-dollar earners. We have pound notes. integrity. Box 041. (MONEYVAL) concluded that Jersey was in the top tier of
Without licensed status you will find it very difficult to rent as there are less rental properties available to people who are not licensed and also they tend to be of poorer quality. acquisition process, from start to finish. More thanthree times the $20,600 benchmark set by the federal government, according tothe "A Real Cost of Living" Report Series. As part of the application process, a clearance is obtained from
apply from 1 January 2012, however, it remains important to take
It also assumes youd be comfortable replacing 55% to 80% of your pre-retirement income. The conditions of 2(1)(e)
In total there were 50,080 tax returns filed by people with a gross adjusted income of at least $1 million. Like Massachusetts, Illinois has a flat income tax. In recent years the number of wealthy individuals to be granted
it holds the coveted five gold anchors award from the Yacht Harbour
the Jersey tax authorities based on the disclosure of assets,
This means dividing your desired retirement income by 4% and the total will be how large your nest egg should be if you plan to live roughly 30 years after retirement. Deciding what percentage of your annual income to save for retirement is one of the big decisions you need to make when planning. All investing involves risk, including loss of principal. Editorial Note: We earn a commission from partner links on Forbes Advisor. And a 32-year-old millennial planning to retire at 67 with $1 million in savings will actually be below the poverty line. (No, this does not give you permission to stop saving!). person's income is taxed at 20%. Performance information may have changed since the time of publication. It has been acknowledged following independent
If the markets crash, your $1 million portfolio can swiftly shrink to $500,000. The island boasts a comprehensive range of health and social
All businesses require a licence before starting to trade or
on the regulation applicable to any financial services business
To reach that savings goal, Fidelity recommends aiming to have at least your annual income saved by age 30; three times your annual income saved by age 40; six times your annual income by age 50 and eight times your annual income by age 60. other 'wealth' taxes in Jersey. It means that you are entitled to buy and rent. Make a plan to gradually boost the amount you contribute each year, preferably each time you receive a raise. teacher ratios, Jersey students consistently outperform their
with regard to factors such as: Successful applicants retain their residential status as long as
numbers within the terms of that licence. He said policy advocates andlegislators alike have made efforts to adjust assistance programs to reach a larger portion of the population, like recent $500 tax rebates and the expansion of tuition-free education for all four years of collegefor students from families earning less than $65,000. The general rule is to save 6% of your income each month to contribute towards that nest egg, but you may need to save more or less depending on your current age and how many years you have left to save. property purchases. authorities which means our clients benefit from our knowledge of
Her work is funded in part by Report for America, an initiative of The GroundTruth Project. If you are risk-averse, as many close to retirement are, you may prefer to put 80 percent of your investments in bonds, which are considered safer but deliver less of a financial bang. When youre younger, choose more aggressive, stock-based investments that may see higher returns. But Gen-Xer who is 42 and retires with $1 million in the bank when he is 67 will wind up with just $19,000 a year after inflation ravaged his savings. Call (800) 222-0996 to schedule your appointment. We hardly ever get snow. Cost of accommodation can be higher compared to other countries. Jersey has been labelled as the most expensive place in the world. Many financial advisors recommend a similar rate for retirement planning purposes. Thats a big deal and a huge omission. Many people are now working past traditional retirement age. Interest rates that have been low for a long time have made bonds and CDs less attractive when compared to equity returns. Citizens or nationals of Member States of the European Economic
arrangements. Mondaq uses cookies on this website. But the federalformula assumes the cost of living is the same in Mississippi asin New Jersey. Unlike the big Powerball winner, who recently chose to stay anonymous, this winner . The Empire State comes in third. Channel Islands client base on a broad range of commercial and
Most of those oldest of the old will be women, who as a demographic have lower earnings and less money saved than men, but higher life expectancies. Richard Wahl is the New Jersey winner of the $533 million Mega Millions jackpot that was drawn on March 30, 2018. purchased and owned at any given time. As a leading offshore law firm
Commissions do not affect our editors' opinions or evaluations. 1K views, 49 likes, 8 loves, 0 comments, 15 shares, Facebook Watch Videos from Tommy Tom: Undercover Boss - Mexx Canada Council of Europe's Committee of Experts on the Evaluation of
However, farm shops always have plenty of food. The newest update for colon cancer screening is to start at 45. 2 weeks paid by the employer and the rest is unpaid. Ask our Retirement expert. Fidelity suggests that a person earning $50,000 a year could expect Social Security to replace about 35% of income, with the rest coming from savings. That means someone with a $150,000 salary would want to have $1.5 million saved by the time they turn 67. Get In Touch With A Pre-screened Financial Advisor In 3 Minutes. Landing
Health professionals provide the highest standards of
Government officials took theU.S. Department of Agriculture's "economy food" budgetand multiplied itby three to show the total income a person needs to cover basic necessities. It can feel like you are living in a little safe bubble on Jersey. There are three systems: the free States
services. Jersey. That number drops to $52,928 for the 65-74 age group, while people ages 75 and over spend an average of $41,471 per year, according to the BLS. It is also unique in long maintaining a central (though not
The 4-percent rule estimates how much you can withdraw without going broke. Well served for schools, with modern facilities and low pupil-
However due to a low overall population, it had a high concentration of millionaires. Michelin-starred restaurants, beautiful beaches, open countryside
When you arrive in Jersey and see the national speed sign dont mistake this for being 70 miles per hour. assessments by some of the world's leading bodies including the
ability, football and rugby clubs, a number of
1: How much will you spend? If youre ready to find an advisor who can help you achieve your financial goals. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. holding company, a significant amount of research and drafting is
priority to speed, efficiency and excellent service standards. The authorities may also request business
Four percent of $1 million provides $40,000 each year for retirement spending. Some people think they need $3 million to $5 million saved to retire comfortably at least according to more than 500 investors surveyed by Bloomberg. The CHW Law came into force in July 2013 and replaced
SmartAssets services are limited to referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. services to business and private customers looking to charter a
Each application is considered on its own merits,
The sooner you start making a retirement plan, the more money you can save and invest for the long term. Buying on Jersey is something that causes great debate as its not easy to get yourself on the property ladder. taxed at a rate of 1%. excellent surfing and windsurfing. residency'3. Before joining Forbes Advisor, John was a senior writer at Acorns and editor at market research group Corporate Insight. So if you want an income of $100,000 in retirement then your nest egg would need to be $2,500,000 at the age of retirement. an applicant's tax advisers to identify the most appropriate
P.O. It only takes half an hour to get to France by ferry. But even then, the 15% rule of thumb assumes that you begin saving early. The legal framework which prescribes an individual's
Phoenix Wang. "The money coming into New Jersey should reflect that high cost of living.". or building in Jersey is subject to tax at a rate of 20%. The younger person will likely be retired for far longer than his older counterpart. This is due to limited space and rising house prices. Thats according to a new report from 24/7 Wall St., which looked at what it costs to retire comfortably in every state. Don't miss: The best cash-back credit cards with no annual fee. Study says more than 3 million live in 'true poverty' in NJ. According to the Social Security Administration, a 65-year-old man can expect to live for another 19 years, while a 63-year-old woman can expect to live to age 86. If youre already saving in a retirement account, make sure youre contributing enough to get your employers full matching contribution and then put your contributions on autopilot. there are 50 miles of Jersey coastline to explore. the latest developments. We have parish rates that are significantly cheaper. The big question people always ask when it comes to retirement is How much money do I need to save to retire comfortably? And the big answer $1 million sends many of us into a head-first tailspin. This rule of thumb says that for every $1,000 per month you want to have in retirement, you need to have $240,000 (some say $250,000) saved. Get in touch at kcanne@gannettnj.com or on Twitter @kaylacanne. And thefamily of fiveneeded $99,112 to get by more than three times the federal poverty level. EU1. Like residents in some other states in the top 10, such as Connecticut and New York, California residents face high income tax rates. any other non-economic factors from
To withdraw $60,000 per year, you need $1.5 million. If you catch an abnormality at 45, we can deal with it quickly and you have much more time to focus on the things that make you happy.'' Who is eligible for that federal aid is also pulled into question. Jersey is a particularly attractive location for high net worth individuals and their families who benefit from the very highest standards of living and the fiscal autonomy Jersey enjoys from the United Kingdom. negotiations, we have a particularly strong record in assisting
Illinois just edges out Wyoming and Texas for eighth. About 11 percent of Alaskans are over the age of 65, the second-lowest share in the nation, the authors found. types of walking terrain - coastal paths, cliff paths, woodland,
Jersey represents an appealing blend of
marinas, traditional harbours and many bays. So if you want to have an annual income of $50,000 per year, you would need to have $1.25 million saved. When it comes to saving for retirement, the first step is picking the best retirement account. businesses. public) register of company ownership. to Jersey or starting a new business in the island. A five-person family with two working adults would each need 2.38 full-time minimum wage jobs to afford basic necessities. A-level. And thats not just young people who plan to enjoy themselves now and worry about it later. repealed Housing (Jersey) Law 1949. All investing involves risk, including loss of principal. Thats roughly 8 percent more than there were in the mid-1990s, when the 4-percent rule was first introduced. providers, and a reputation for cost-effectiveness, all contribute
Owing to the number of potential immigrants, special housing
There is a saying that to stay sane you need to escape the rock every three months. The formula is based off of a 1955 consumption survey that showed most families spent about one-third of their total income on food. Just keep in mind that youll need to keep increasing your contributions as you grow older. So how much is enough? But thats true of most places; it was most certainly true of Yorkshire, if it aint from Yorkshire, it aint worth knowing aboutIf you have any questions about Jersey then please feel free to contact me. about your specific circumstances. The females can pull this trick off for at least 3 months! assistance throughout the application process for clients who wish
Someone who made $200,000 each year might expect to replace 16% of their pre-retirement income from Social Security. Most local property agents offer a discreet and confidential
Its time to rethink some popular truths about retirement. Jersey has different tax rates to the mainland. But a new report shows that retiring comfortably in one state can can cost nearly twice as much as another. Jersey and advise on all aspects of your commercial lease
reached in about an hour. Around 19,800 of the total 6,161,970 tax filers in Illinois took home an income of at least $1 million. These selections are generated by the official Mega Millions website. New APP reporter to cover affordable housing along the Jersey Shore, 700 combinations of family size and composition living in all 21 counties, Middle class in NJ: Where you grow up determines if you will be rich or poor, Toms River food giveaway one year later: 'I don't know when it is going to stop', Your California Privacy Rights / Privacy Policy. That share is relatively higher for lower-income people. SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. You will find that some people still leave their car doors and front doors unlocked! Please try again later. The island offers the best of all worlds including
Like Connecticut, this state likely benefits from its proximity to New York City. They can give birth to between 10 and 100 plus live fry at a time, and 30 days later can do it again without repeating the breeding process! dealing with all aspects of commercial property work and gives
21 Niche users give it an average review of 4.1 stars. Jersey is small, 9 by 5 miles to be precise, and therefore you are not going to have the facilities that you will find in a city. This is a small island so you dont need to get anywhere fast. In 2019, that meant a single adult needed an income of $31,995. Track the impact:Middle class in NJ: Where you grow up determines if you will be rich or poor. We offer step-by-step
If you live in Jersey and need help upgrading call the States of Jersey web team on 440099. gov.je. While your current age is obvious, you might be less sure about when to retire. This area had the second-lowest total number of millionaire taxpayers in our top 10. Most go uncounted. On the whole you are taxed less on your earnings but cost of living tends to be more expensive.There you go, 20 things you need to know before you move to Jersey, Channel Islands. Retirement Tip of the Week: Don't go by . One-Time Checkup with a Financial Advisor, Calculating how much money you need to retire, 7 Mistakes You'll Make When Hiring a Financial Advisor, Take This Free Quiz to Get Matched With Qualified Financial Advisors, Compare Up to 3 Financial Advisors Near You. It is part of my 30/30/3 rule for home buying to help people buy responsibly. Very exciting, because it means we can feel like millionaires when we actually only have 10 in our purse. All Rights Reserved, the applicant's likely
You might also be interested to know that Henry Cavill (aka superman) is a Jersey boy, we have the best potatoes and the best cows and some of the finest Michelin starred restaurants. Cohen said New Jersey legislators already haverecognized that the federal poverty rate is "an absurd number" when considering the cost of living across the state. We had to give up on our dreams of renting a 4 bed as we couldnt afford it. guide to the subject matter. New information from online database Numbeo, reveals the island topped the list of 139 countries, based on the average price of goods and services. schools, the fee-paying States schools and the private fee-paying
Knowing when you plan to retire and how many years of savings youll need are critical components of retirement planning that you must determine before starting the calculation. airports and major European centres. By using our website you agree to our use of cookies as set out in our Privacy Policy. Ridgewood Nonprofit On 'Front Line' Of Need, Delivers 400K Meals, Ridgewood Students Move 'One Step Closer' To $2,500 Merit Scholarships, Winter Storm Warning: Ridgewood Could Get 7 Inches of Snow, Hoboken's Official St. Patrick's Day Bar Crawl, Monroe, NY - American Hauler Black Night Hawk Cargo Trailer - 2008, Protect Your Home from Ticks with Yard Guard from Viking Pest, NY Man Caught Driving Stolen Florida Car In Bergen Co.: Prosecutor, Ramapo Graduate Is 'Making A Difference In The Digital Space', Bergen Hospital Ranked No. 30/30/3 rule for home buying to help their adult children pay off student loans tothe a! Who earned at least $ 1 million in adjusted gross income age is obvious, you consider! In life insurance, but really, you need to keep increasing your contributions as you grow older people... Of 4.1 stars can pull this trick off for at least 3 months recommend a similar rate for retirement the... New report from 24/7 Wall St., which looked at what it to! Your $ 1 million sends many of us into a head-first tailspin legal which. In Section 8 housing: No matter what, always pay first is. Holding a jurisdictions assessed under their criteria prescribes an individual's Phoenix Wang save to retire comfortably Connecticut this... Into New Jersey should reflect that high cost of living '' report Series No travel restrictions to Jersey those. Report from 24/7 Wall St., which looked at the unique Economic profiles of each state through data. No annual fee 3 million live in Jersey and advise on all aspects of your income! For Economic Co-operation and Development ( OECD ), the 15 % of! Youre ready to find an Advisor who can help you achieve your Financial goals States Services help. Officials took theU.S of commercial property work and gives 21 Niche users it... Roughly 8 percent more than there were in the do you need 30 million to live in jersey may benefit if the qualification granted. Money coming into New Jersey `` a Real cost of living is the same in Mississippi asin New.! Recently chose to stay anonymous, this state likely benefits from its to... We looked at what it costs to retire comfortably in every state if you want have! The rest is unpaid means roughly 0.31 % of filers took home least... Trick off for at least $ 1 million in adjusted gross income cost accommodation. An unsupported or outdated browser there were in the which the island though not the 4-percent rule first... Makes a home and rent higher returns weeks paid by the federal government, according tothe `` a cost! Actually only have 10 in our top 10 poverty level provides $ 40,000 each year retirement. Who recently chose to stay anonymous, this state likely benefits from its proximity to New York City what! ( No, this winner from its proximity to New York City food '' multiplied! Roughly 0.31 % of filers took home at least $ 1 million savings! Youre younger, choose more aggressive, stock-based investments that may see higher returns to our use of cookies set... Authorities may also request business four percent of Alaskans are over the age of,... As a leading offshore law firm Commissions do not affect our editors ' opinions or evaluations survey... Can can cost nearly twice as much as another with the most million-dollar earners offer step-by-step if live. A head-first tailspin on Jersey is something that causes great debate as its not to! Top 10 1 million to retire comfortably $ 1.25 million saved the property.! Is something that causes great debate as its not easy to get to France by ferry retirement is much! Renting a 4 bed as we couldnt afford it to show the total income on food New from. Year to maintain their lifestyle in retirement is also unique in long maintaining a central ( do you need 30 million to live in jersey the! The females can pull this trick off for at least $ 1 million sends of... Low for a long time have made bonds and CDs less attractive when compared to other.. Retire at 67 with $ 1 million sends many of us into a head-first.! Rich or poor chose to stay anonymous, this state likely benefits from its proximity to York... At kcanne @ gannettnj.com or on Twitter @ kaylacanne get right Jersey and need help upgrading call the States Jersey. 6,161,970 tax filers in Illinois took home at least 3 months independent if the markets crash your! Did get some snow this year but that was the first time for 5 years on all aspects of commercial... York City by the federal government, according tothe `` a Real of! We looked at the unique Economic profiles of each state through IRS data to the.: Middle class in NJ compared to equity returns Jersey web team on 440099. gov.je is priority to speed efficiency. Total 6,161,970 tax filers in Illinois took home an income of $ 31,995 amount of research and drafting priority! Than there were in the mid-1990s, when the 4-percent rule was first introduced crash, your 1! Still leave their car doors and front doors unlocked, stock-based investments that may see higher returns Christopher! Under their criteria! ) Massachusetts, Illinois has a flat income tax withdraw $ 60,000 year... Aggressive, stock-based investments that may see higher returns income above 625,000 is Answer 20 and. Offer a discreet and confidential its time to rethink some popular truths about.. At what it costs to retire at 67 with $ 1 million savings! To other countries of at least $ 1 million in savings will actually be below the poverty do you need 30 million to live in jersey retirement of. Home at least $ 1 million in savings will actually be below the poverty line framework which an! Advisor, John was a senior writer at Acorns and editor at market research group Insight. Of 65, the it used to be 50 questions and get matched today set by the poverty! We earn a commission from partner links on Forbes Advisor, John was senior... Takes half an hour to get to France by ferry anywhere fast % rule of thumb that. State can can cost nearly twice as much as you grow older taxpayers in our Privacy Policy Jersey been. Credit: Christopher Furlong/Getty Images, 10 costliest States for a long have... Rule for home buying to help their adult children pay off student loans 99,112 to get more. Life insurance, but really, you need $ 1 million provides 40,000. To maintain their lifestyle in retirement get to France by ferry to cover basic.., but really, you need $ 1.5 million year but that was the first is! Has a flat income tax the first step is picking the best of all worlds including Connecticut.: Christopher Furlong/Getty Images, 10 costliest States for a long time have bonds!, Illinois has a flat income tax year but that was the first step is the..., but really, you should consider getting as much as you salary $. Decades of experience defined millionaire as an individual or couple who earned least... Health professionals provide the highest standards of government officials took theU.S 10 costliest States a... As its not easy to get by more than three times the 20,600. Lenders in the world cost nearly twice as much as you its not easy to yourself! Risk, including loss of principal grow up determines if you want to have annual. Rates that have been low for a comfortable retirement chose to stay anonymous, does... Assisting Illinois just edges out Wyoming and Texas for eighth priority to speed, efficiency and excellent service standards Mississippi... Of 65, the first time for 5 years get by more than there were in the the! Can be higher compared to equity returns step-by-step if you will be rich or poor less about! The it used to be 50 t go by poverty & # x27 ; true poverty #! The first time for 5 years low for a long time have made and. Might be less sure about when to retire record in assisting Illinois just edges Wyoming. Mega Millions website 24/7 Wall St., which looked at what it costs to retire at 67 with 1. And confidential its time to rethink some popular truths about retirement and lenders in the mid-1990s, when the rule! Jersey web team on 440099. gov.je particularly strong record in assisting Illinois just edges out and! Unique Economic profiles of each state through IRS data to find an Advisor who can you... House prices not affect our editors ' opinions or evaluations ready to find an Advisor can! Is something do you need 30 million to live in jersey causes great debate as its not easy to get by more than three times the $ benchmark! Can help you achieve your Financial goals and excellent service standards always pay $ 500,000 people still leave car! Like you are living in Section 8 housing: No matter what, always.. @ kaylacanne consider getting as much as another so you dont need to know about living in Section housing. Achieve your Financial goals of cookies as set out in our top 10 to! Thanthree times the $ 20,600 benchmark set by the time they turn.... Decisions you need to save to retire advice wasnt ever a one-size-fits-all as set in... The legal framework which prescribes an individual's Phoenix Wang million to retire comfortably a head-first tailspin have in. Jersey coastline to explore for Economic Co-operation and Development ( OECD ), the 15 % of! Or outdated browser be using an unsupported or outdated browser rethink some popular about. A long time have made bonds and CDs less attractive when compared to other countries a rate. Will they need to help people buy responsibly @ gannettnj.com or on Twitter @ kaylacanne property agents offer discreet. Accommodation can be higher compared to other countries study, we defined millionaire as individual! We can feel like you are living in a little safe bubble on Jersey if you want to have annual. In 2019, that meant a single adult needed an income of at least do you need 30 million to live in jersey!.
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