Her Investment Property with Julie Crockett

April 14, 2023 03:54 - 25 minutes - 35.2 MB

Myth Busting for Rentvestors In this episode I let loose on some common myths that people believe about buying an investment property in more affordable States and how it can work for you. Of course there are always pros and cons and hopefully with knowledge comes the understanding of where you have various options when it comes to rentvesting. My case study is a powerful one about a couple who built their own home using much of their equity from their property investment portfolio...

Her Investment Property Podcast with Louise Sanghera

March 09, 2023 17:33 - 31 minutes - 43.2 MB

My guest today is Louisa Sanghera, Director of Zippy Financial. Louisa is a powerhouse mortgage broker and runs a multi award winning brokerage. She talks today about the impact that rising interest rates are having and gives some tips on how mortgage holders can manage their debt. After the 9th consecutive interest rate rise, everyone is wondering when the financial pain will end. I also provide some tips on some 'out of the box' solutions for those feeling mortgage stress right...

Her Investment Property with Julie Crockett - How to get into the property market in 2023

February 16, 2023 04:00 - 19 minutes - 26.9 MB

Welcome to 2023 and today I'm speaking about 'How to get into the property market in 2023'. Yes, we are in a rising interest rate market. Is it still a good time to invest in property? What 4 things do I need to consider? Is it about 'timing' the market or spending 'time in the market' that really makes the difference? Learn how I just managed to get more than 2% off my interest rate on a loan I have for my SMSF property - and you can too! There's some great tips about ...

Her Investment Property Podcast with Julie Crockett - The Wrap Up for 2022 and What's Coming in 2023

December 29, 2022 04:00 - 19 minutes - 26.9 MB

Today's podcast is the 2022 Wrap up outlining our home buyers, investors and the impact that the podcast has had on our listeners! It has been such a joy to bring you our awesome guest speakers - whether they had just bought their first investment property or whether they had built a large property portfolio. I give a quick market forecast for 2023 and can't wait to bring more valuable content for you. Clearly that are a lot of women who are learning how to invest in property and there's s...

Her Investment Property Podcast with Hagar Lipa

December 16, 2022 01:18 - 27 minutes - 37.6 MB

Today's guest is Hagar Lipa, Director of The Lynden Group. Hagar is an Accountant who has a passion for women to understand their finances and then grow them to achieve financial independence. She is also a SMSF Specialist and has helped many women to understand the pros and cons of setting up a SMSF. This obviously needs careful consideration and professional advice because it's not for everyone! Hagar tells her story of arriving in Australia from Israel 16 years ago with very...

Her Investment Property Podcast with Bernadette Janson

November 10, 2022 04:00 - 33 minutes - 45.5 MB

Today's guest is Bernadette Janson, property investor and serial renovator who started renovating at the tender age of 13. She is an investor with a sharp focus on 'buying to renovate' which effectively means buying a property well under market value and then adding value with a modern renovation. There are loads of laughs and so many great tips in this podcast for listeners. Bernadette is the Director of 'The School of Renovating' and our values are closely aligned - we are passio...

Her Investment Property Podcast with Julie Crockett

November 04, 2022 05:05 - 17 minutes - 24.3 MB

Today Julie Crockett unpacks her latest article for Australian Property Investor Magazine and how women investors have outperformed their male counterparts for the last decade. There's only one thing that slams the brakes on women investing and you may have guessed what that can be. Julie shares some tips on how to overcome the challenges that all investors face right now. If you would like to read the entire article, you can find it here: https://www.apimagazine.com.au/new...

Her Investment Property Podcast with Danielle Lenzo

October 13, 2022 05:55 - 18 minutes - 25.8 MB

My guest today is the amazing Danielle Lenzo who is a CFO of a Multi National Company and serial property investor. She admits that her first investment property was purchased with minimal property investment knowledge but fast forward almost 20 years and Danielle is making up for lost time, having just bought her fourth investment property. I love that part of her learning was to start with a strategy and build a great team around her to make property investing a smooth running proces...

Her Investment Property Podcast with Vanessa Medling

October 06, 2022 09:18 - 27 minutes - 38.4 MB

Today's amazing guest is Vanessa Medling, a woman who knows what she wants and takes action to make it happen. Vanessa has raised 2 children as a single mum, worked in a 'safe' government job and then decided that now the kids are young adults she would make some changes for "her". I know you will get some great tips on how she has done just that which involved starting a business, buying an investment property and even involves moving several hundred kilometers away from her home to e...

Her Investment Property Podcast with Sarah

September 01, 2022 08:18 - 10 minutes - 15.1 MB

Today is all about an inspiring single woman, Sarah, who started her property investment journey at the age of 54. Her super power is that she has great focus and determination and within 18 months grew her portfolio to 3 properties. Sarah knew that she was facing a very basic retirement lifestyle and decided she would do something about it. Tune in to find out how much her net worth has grown in just 4 short years. For those loyal listeners of 'Her Investment Property' Podcast, ...

Her Investment Property Podcast with Andrew Gardiner

August 25, 2022 10:13 - 34 minutes - 46.9 MB

My special guest today is Andrew Gardiner, Director of Andrew Gardiner Law and he speaks on the impending changes to the Land Tax laws in Queensland. This podcast is quite different to the norm but incredibly important if you have investment properties in Queensland or are thinking you will invest in Queensland in the future. The changes to the Queensland Land Tax law which come into effect from July 1 2023, have far reaching implications and Andrew unpacks the changes, provides ...

Her Investment Property Podcast with Dr Lucy Burns

August 18, 2022 07:57 - 35 minutes - 48.7 MB

Today's special guest is Dr Lucy Burns from Real Life Medicine. Her focus is on Health, Wellness and Wealth. In her words "What's the point of being wealthy if you don't have the health to enjoy it!" In this podcast we talk about why she chose 'medicine' over a whole host of other things she could have done with her life and why it's so important for women to be looking after themselves physically as well as financially. Lucy also talks about her retirement goals and how she and her hu...

Her Investment Property Podcast with Lauren Law

July 14, 2022 05:00 - 34 minutes - 48 MB

Today's special guest is Lauren Law and she's an ex accountant and ex financial advisor who now helps Melissa Browne with delivering the 'My Financial Adulting Plan', an online Course for those wanting to get on top of the finances and all things 'money. Lauren has had a very interesting 'finance' background and tells us how she has learnt through experience how to build her wealth. She has bought properties including her own home and agrees that women need to find ways of unders...

Her Investment Property Podcast with Kristy Hunter

July 07, 2022 05:00 - 44 minutes - 60.8 MB

My special guest today is Kristy Hunter, a young woman who learnt the art of investing at a young age, thanks to her clever Dad. When she was just 12 years old he gave her 'Rich Dad, Poor Dad' to read and straight away she was HOOKED on Property Investing! Since then she has built, rented and sold many homes and tells us the lessons she's learnt along the way. Her Strategy is to keep the cash flow positive and replicate her property investing 'business model' so that she and h...

Her Investment Property Podcast with Annette Dickson

June 30, 2022 07:30 - 41 minutes - 57.2 MB

Annette Dickson has a background in the mortgage and finance industry, is an avid property investor and passionate about helping women to get their finances in order. Her property investment journey has been a very interesting one to say the least and it all started at a Property Investment Education event well over 20 years ago. She was so inspired by what she learnt that she knuckled down to save her first deposit and bought her first investment property. There have been ...

Her Investment Property Podcast with Rebecca Maxwell

June 23, 2022 06:38 - 33 minutes - 45.4 MB

My guest today is Rebecca Maxwell who shares her investment story and I must admit, she starts off with what sounds like a 'dream life'. Rebecca was working in a great job, met the man of her dreams, got married and had 2 children. Along the way, she "fell" into property investing and while everything was running smoothly, little did she know that there were some turbulent times ahead. Rebecca's story is not too dissimilar to many women where she finds herself juggling a very tricky re...

Her Investment Property Podcast with Emma Walkinshaw

June 16, 2022 04:53 - 35 minutes - 48.7 MB

I had the privilege to interview Emma Walkinshaw on her property investment journey. Emma was fortunate to grow up in a household where 'money' was frequently discussed and this was very much a normal part of her everyday life. Her parents were hard working business owners and she learnt the value of investing. Fast forward to last year when business owner, Emma and her husband bought their first commercial investment property - even if things didn't go quite to plan! Emma's enthusiasm...

Her Investment Property Podcast with Maree Kirkpatrick

June 10, 2022 03:26 - 34 minutes - 47.3 MB

Today's guest is the lovely Maree Kirkpatrick who is a business owner extraordinaire and a property investor. She is juggling running businesses (yes, more than one!) while raising her young family. Her property investment journey started at the age of 21 and Maree says "it is one of the smartest financial decisions she's made." This podcast is all about building an asset that provides financial security for herself and her family. I know that you will get great value from Maree's tips alo...

Her Investment Property Podcast with Fiona Morris

May 19, 2022 05:24 - 34 minutes - 47.4 MB

Today's podcast marks a whole year of Her Investment Property Podcast. That's right! we turn 1 year old on Thursday! My guest today is Fiona Morris and what an inspiring lady she is! Just 5 years ago she was sleeping on a friend's lounge, Bankrupt and jobless. She picked herself up, dusted herself off and made some life changing decisions. The results are absolutely amazing. Property forms a part of her amazing story so tune in and find out how she transformed herself and is now a million do...

Her Investment Property Podcast: My Professional Property Team with Heather Andrews

April 07, 2022 10:11 - 51 minutes - 70.4 MB

Heather Andrews is the guest today in the Property Professionals Team series. Heather started her working career as a teacher and when her children left school she made some decisions for herself which included upskilling to accountancy / bookkeeping and then to mortgage broking. Her sole purpose was to help others navigate the sometimes tricky 'finance and mortgage' path. Today we speak about how property investors can take advantage of using 'equity' in an existing property, how to keep ...

Her Investment Property Podcast with Edwena Dixon

March 31, 2022 05:22 - 27 minutes - 38.1 MB

Edwena Dixon has always been a Rentvestor and she explains WHY she believes that it's a much better (and tax deductible way) to create a strong asset base for her and her family's future. That's not to say that she won't buy her own principal place of residence in the future but it's not high on her priority list. Edwena's parents originally got her started with investing and she still owns that first investment property that provides accommodation in a regional Victorian town for those wh...

Her Investment Property Podcast: My Professional Property Team with Bernadette Christie

March 17, 2022 04:00 - 24 minutes - 34 MB

All the information contained in this Podcast is general in nature and must not be considered advice. Bernadette Christie David is Director of Atelier Wealth and is a mortgage broker specialising in SMSF Loans. She is a woman who takes customer service to the next level and her expertise really shines through in this podcast. Bernadette has a strong background in numbers and explains how a SMSF loan works and what you need to consider when buying a property to go into a SMS...

Her Investment Property Podcast: My Professional Property Team with Molly Benjamin

March 10, 2022 04:09 - 33 minutes - 45.4 MB

Today's Guest Expert is Molly Benjamin, Founder of The Ladies Finance Club. For all those women who struggle with money, saving and building a deposit for that first property, Molly provides some great tips on how to get started. She is one powerhouse woman who has created a 'movement' for women to learn how to take control of their finances. When women understand how to budget, save and invest they have more options on how they live their BEST life. As Molly points o...

Her Investment Property Podcast: My Professional Property Team with Monique Robb

March 03, 2022 04:56 - 28 minutes - 38.9 MB

Today's guest expert in the new series, 'The Professional Property Team' is Monique Robb, Special Counsel and accredited Family Law Specialist at Lander and Rogers. Monique is a powerhouse speaker and a champion of women, particularly those who are undergoing separation and divorce. I love Monique's 'no nonsense' approach and her ability to clearly articulate how the law views 'relationships' and how to protect your valuable property assets when it comes to relationship breakdown. ...

6 Ways that a Buyer's Agent Can Help You Secure a Quality Investment Property

February 24, 2022 05:44 - 26 minutes - 35.8 MB

In this episode, Julie Crockett brings you "6 Ways that a Buyer's Agent Can Help You Secure a Quality Investment Property" as part of the "Professional Property Team" Series. It's getting more and more difficult to know where to buy a quality investment property that will provide capital growth and cash flow at a price that's affordable. Julie outlines 6 ways that an experienced, professional Buyer's Agent can bring value to the purchasing process from the initial Strategy right thro...

Her Investment Property Podcast: My Professional Property Team with Bridgett Fuller

February 17, 2022 04:00 - 35 minutes - 49 MB

Today's guest in our new 'Professional Property Team' series is Bridgett Fuller. She has an amazing background in Accounting, Financial Planning and is a SMSF Specialist. There's always loads of questions I'm asked about the 'numbers' when buying an investment property. Bridgett runs through the numbers and also gives great tips on how you can avoid many disasters by having the knowledge before buying your investment property. Capital Gains Tax or CGT is another frequently as...

Her Investment Property Podcast: My Professional Property Team

February 11, 2022 04:00 - 16 minutes - 23 MB

Today's podcast introduces the brand new series, "My Professional Property Team". There are many women who would invest but they can feel quite overwhelmed with the process. I've been asked questions such as: How do you know where to buy an investment property that will give you capital growth? What is best to buy - an apartment, a townhouse, a house, a holiday rental, short stay accommodation or something completely different? Where can I go to actually learn how to invest in p...

Here Investment Property Podcast - Myth busters when it comes to property investing

January 27, 2022 04:00 - 19 minutes - 26.3 MB

Julie shares the 5 Top 'Myth Busters' when it comes to Property Investing. You may have heard some of these raised before and maybe you believe one or 2 of them to be true? Julie speaks on the following 5 Myths and with her 20 years of property investing experience shows why these myths often keep people from creating their own wealth through investing in property: Myths about Property Investing Property investing needs a really large income to start Property investors ...

Season 3 Episode 3: Rentvesting for the Her Investment Property Podcast with Julie Ford

January 22, 2022 04:00 - 19 minutes - 26.3 MB

Today's guest is Julie Ford and she shares her Rentvesting journey to help women understand how she has bought two properties as her 'retirement' plan and lives in beautiful Coogee in Sydney. After working overseas for several years, Julie found the Sydney property market unaffordable as a single income earner. So what did she do? Not wasting any time, she saved a deposit and got into the property market, making a conservative purchase on the Mornington Peninsula. Disclaimer:...

Season 3 Episode 2: Rentvesting for the Her Investment Property Podcast with Simone Mercer

January 13, 2022 04:00 - 36 minutes - 49.6 MB

My guest today is Simone Mercer - Huggins and she shares her 'Rentvesting' story about how she got started and the reasons WHY she just had to Rentvest. I'm sure many listeners will understand her WHY. Simone uses many diverse investment strategies along with property, to produce many income streams. She continually asks the question, "how can I do this?" and that exactly how she came up with 'Rentvesting' before it was actually a thing. Simone enjoys her fabulous lifestyle in the Ea...

Season 3 Episode 1 Rentvesting for the Her Investment Property Podcast with Melissa Martin

January 06, 2022 04:00 - 33 minutes - 46.7 MB

This brand new Series Three is all about "RENTVESTING". For those who are not familiar with the term, it's all about renting where you want to live and getting into the property market at much lower price points by investing in other more affordable capital cities. Today's guest, Melissa Martin shares her Rentvesting story to help other women understand how it's done. Melissa was 'terrified' of getting into debt until she worked in financial and accounting companies and saw how others in...

Season 2 Episode 11: The Guest Experts - Julie Crockett with Monique Robb

December 10, 2021 04:00 - 38 minutes - 52.9 MB

Today's guest expert is Monique Robb, Special Counsel with Lander and Rogers and she speaks about Binding Financial Agreements (and a couple of other related topics) to provide listeners with an understanding of their exposure to risk when one party in a relationship holds significantly more assets than the other party and how the law deals with the financial split when it comes to relationship breakdown. This is such an important topic for property investors who can potentially make milli...

Season 2 Episode 10: The Guest Experts - Julie Crockett with Cassie Dittman

November 25, 2021 04:00 - 35 minutes - 48.9 MB

This week's Guest Expert is Cassie Dittman, Director of Grow Well Financial in Brisbane. Cassie had worked with many financial institutions for 17 years before deciding to set up her own mortgage broking business where she has gone from strength to strength. Cassie is also a property investor and like me, really passionate about helping women to overcome anxiety and reluctance around investing. She shares some great tips on how to get the right loan structure and some common mistakes that ...

Season 2 Episode 9: The Guest Experts - Julie Crockett with Glibert Melgar

November 04, 2021 04:00 - 30 minutes - 42.3 MB

Today's Guest Expert is Glibert Melgar, creator of the data analytics platform, Suburbs Finder. He takes us through how the data can help us find WHERE we need to be looking to buy an investment property and for investors this is an absolute game changer. Using data trends to help us determine where to buy takes all the guesswork out of the process. Gilbert also talks about his own property investment journey and his most recent purchase using Suburbs Finder (of course!). This episode is a...

Season 2 Episode 9: The Guest Experts - Julie Crockett with Gilbert Melgar

November 04, 2021 04:00 - 30 minutes - 42.3 MB

Today's Guest Expert is Gilbert Melgar, creator of the data analytics platform, Suburbs Finder. He takes us through how the data can help us find WHERE we need to be looking to buy an investment property and for investors this is an absolute game changer. Using data trends to help us determine where to buy takes all the guesswork out of the process. Gilbert also talks about his own property investment journey and his most recent purchase using Suburbs Finder (of course!). This episode is a...

Season 2 Episode 8: The Guest Experts - Julie Crockett on how to negotiate

October 28, 2021 04:00 - 13 minutes - 17.9 MB

Julie Crockett, Buyer's Agent for Investors talks about 'How To Negotiate' when it comes to buying an investment property. The focus doesn't always need to be on price. She spends most days negotiating with skilled sales agents when buying investment properties for her clients and in this episode she gives several hot tips on how to negotiate well, take the emotion out of it and most importantly, secure the property. In this current hot property market it's even more important to underst...

Season 2 Episode 7: The Guest Experts - Julie Crockett

October 21, 2021 04:00 - 10 minutes - 15.1 MB

Julie Crockett is the creator of Her Investment Property Podcast and today she speaks on the changing trends of housing. Inspired by demographer, Mark McCrindle, she shares some of his recent stats and ideas on how our housing needs have changed due to the Covid 19 Pandemic. Moving forward, what design features will be on the housing wish lists of our children in 2041? What will be the median house price in 20 years time? How many homes will be needed to house the Australian popu...

Season 2 Episode 6: The Guest Experts - Julie Crockett with Cheryl Leong

October 14, 2021 04:00

Guest Expert Cheryl Leong Property Developer Today's Guest Expert is Cheryl Leong who is a Property investor, developer, business owner and Mum. She wears a lot of hats and most importantly, as you'll learn from this Podcast, Cheryl is big on "giving back" and making a positive impact on the world. This Podcast will change the way that you think about investing - even if you've never invested before and that our 'mindset' plays a powerful part in what we achieve or don't achieve in life....

Season 2 Episode 6: The Guest Experts - Julie Crockett with Cheryl Leong

October 14, 2021 04:00

Guest Expert Cheryl Leong Property Developer Today's Guest Expert is Cheryl Leong who is a Property investor, developer, business owner and Mum. She wears a lot of hats and most importantly, as you'll learn from this Podcast, Cheryl is big on "giving back" and making a positive impact on the world. This Podcast will change the way that you think about investing - even if you've never invested before and that our 'mindset' plays a powerful part in what we achieve or don't achieve in life....

Season 2 Episode 5: The Guest Experts - Julie Crockett with Svetlana Thorpe

October 07, 2021 04:00 - 41 minutes - 57.3 MB

Today I interview Svetlana Thorpe, Director of Thorpe Conveyancing and she shares her tips on 'all things' conveyancing. In particular, how to avoid making costly mistakes when it come to buying in a Strata development and what to look out for when it comes to the Cooling Off period. For first time property investors wanting to understand the nuts and bolts of conveyancing in NSW, this episode is a must. If you want to connect with Svetlana, you can reach her here: svetlana@thorpeconveyanc...

Season 2 Episode 4: The Guest Experts - Julie Crockett with Ken Lardner

September 30, 2021 05:00 - 44 minutes - 60.6 MB

Kent Lardner is 'next level' when it comes to property Research and he brings a wealth of knowledge to our listeners in this new Guest Expert series. The analysis of property data trends is his specialty and if you're wanting to know 'where' to buy an investment property then Kent's Research Tool 'Suburb Trends' is a must have. Kent unpacks how the analysis of fundamental trends helps us to understand where is set for growth. That's a pretty handy tool to have when it comes to buying an in...

Season 2 Episode 3: The Guest Experts - Julie Crockett with Genene Wilson

September 23, 2021 05:00 - 37 minutes - 51.5 MB

Today's Guest Expert is Genene Wilson, Financial Planner and Director of Finesse Financial Advisers. She has a wealth of knowledge in the Financial Planning space and gives some great tips on who she works with and how she helps women to get on top of their money and make a well thought out financial plan. Genene answers the huge question "How do I source an ethical and trustworthy Financial Planner who will have my best interests at heart?" giving you questions to 'qualify' a prospective ...

Season 2 Episode 2: The Guest Experts - Julie Crockett with Mike Mortlock

September 16, 2021 05:00 - 30 minutes - 42.5 MB

When investing in property, you need to have a great Team of experts who can assist you to not only buy the first investment property but also help you to build your property portfolio. In this brand new series, I'm interviewing the experts from my professional network that I call upon all the time to make the purchase process a smooth one for my paid clients. Those experts in my professional network are like gold and I'm sharing them with you on 'Her Investment Property' podcast because I...

Season 2 Episode 1: The Guest Experts with Julie Crockett

September 09, 2021 05:00 - 7 minutes - 10.9 MB

Julie Crockett introduces Series 2 with an overview of the Guest Experts she has interviewed. These are seasoned Professionals from her trusted network of Mortgage brokers, Financial planners, Accountants and Conveyancers. These are all part of your key Team when it comes to buying an investment property and building a property portfolio. Find out what role teach one plays in the investment property purchase process and how their expertise is crucial to a great outcome for you, the investo...

Episode 15: Podcast with Leah Gore

September 02, 2021 05:00 - 28 minutes - 39.3 MB

Today's guest, Leah Gore, is a Gen Y investor who started her property journey because of very unusual circumstances. She then decided to 'Rentvest' for many years and at her tender age controls just under $2m in property assets. Leah gives us some great tips but it wasn't all smooth sailing that's for sure. She nearly lost her $50k deposit on one investment property and but for the dedicated tenacity of her mortgage broker, the finance could easily have fallen over. One thing she points...

Episode 14: Podcast with Mimma Cortes

August 26, 2021 05:00 - 36 minutes - 50.7 MB

Today's guest, Mimma Cortes, explains how she overcame many obstacles to get into property investment. She tells us not to worry about your level of income but borrow what you can and buy property according to what you can afford. You can still build a performing portfolio with the right goals (and the right broker!) She is one powerhouse woman and speaks her story with honesty. To build a property portfolio takes perseverence and don't let anyone tell you that you can't do it. Free re...

Episode 13: Episode with Sara Pantaleo

August 19, 2021 03:00 - 39 minutes - 54.8 MB

Sara Pantaleo shares her inspiring property investment journey with us today. Her country of origin is Italy where the vast majority of people never owned property. She made it her goal when she moved to Australia that she would buy property - a house on land which she achieved in her 20's. The rest of her investment journey and the way that she is motivating her children to invest makes for very interesting listening. Sara also gives some great tips for first time investors. There's one...

Episode 12: Podcast with Ruth Jardine

August 12, 2021 05:00 - 32 minutes - 44.6 MB

My guest today is Ruth Jardine and she has a very interesting property selection criteria when it comes to sourcing her investment properties. Ruth has purchased properties in two countries and really enjoys the 'renovate and hold' strategy to create wealth. Her energy and efforts have paid off and she shares lots of tips on how to roll up your sleeves and get your hands dirty if you want to get into this lucrative investment strategy. Getting that crucial 'Team' around you that will wor...

Episode 11: Podcast with Sharron Keogh

August 05, 2021 05:00 - 31 minutes - 43.7 MB

Sharron Keogh started invested in property as a single woman having sought and undertaken various courses in property investing, renovation and buy and hold strategies. Her first investment was purchased in 2013 and she has had some hiccups along the way, having sold the property some 6 years later and much wiser for her experience, she is looking forward to the next steps in her investment journey. Sharron provides us with her views on investing. Family and friends will have input but who...

Episode 10: Podcast with Sharon Burton

July 29, 2021 05:00 - 27 minutes - 38.2 MB

Investors learn how, at the age of 24, Sharon Burton started her property investment journey. Her property portfolio was started in country Victoria and then continued to be built in London. Best of all, the income from her investment portfolio enabled her to have time off with her young children. Sharon has continued to build her portfolio, diversifying property types and locations as well as having a plan for future retirement. If you are wondering how to get started, Sharon provides some ...

Her Investment Property with Julie Crockett

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