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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>mnabxln.info</title> <atom:link href="http://mnabxln.info/feed" rel="self" type="application/rss+xml" /> <link>https://mnabxln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 19:10:52 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Wealth Management And Financial Advisors In 2023</title> <link>https://mnabxln.info/wealth-management-and-financial-advisors-in-2023</link> <comments>https://mnabxln.info/wealth-management-and-financial-advisors-in-2023#comments</comments> <pubDate>Mon, 11 Dec 2023 13:42:55 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=68</guid> <description><![CDATA[Introduction Wealth management and financial advisors play a crucial role in helping individuals and businesses make informed decisions about their finances. In the ever-changing financial landscape of 2023, it is more important than ever to have a trusted advisor who can navigate through the complexities of wealth management. This article will explore the key aspects [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="5 Benefits Of Working With A Wealth Management Advisor" src="https://i2.wp.com/finserving.com/wp-content/uploads/2021/01/Wealth-Management-Advisor-1536x866.jpg" _mce_src="https://i2.wp.com/finserving.com/wp-content/uploads/2021/01/Wealth-Management-Advisor-1536x866.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Wealth management and financial advisors play a crucial role in helping individuals and businesses make informed decisions about their finances. In the ever-changing financial landscape of 2023, it is more important than ever to have a trusted advisor who can navigate through the complexities of wealth management. This article will explore the key aspects of wealth management and the role of financial advisors in providing expert guidance.</p><h2>The Importance of Wealth Management</h2><p>Wealth management involves the comprehensive management of an individual’s financial assets, including investments, retirement planning, tax strategies, and estate planning. With the increasing complexity of financial markets, having a well-structured wealth management plan is crucial to achieving long-term financial goals.</p><h3>Benefits of Hiring a Financial Advisor</h3><p>Hiring a financial advisor can bring several benefits. Firstly, they have the expertise and knowledge to assess your financial situation and create a personalized wealth management plan tailored to your goals. Secondly, they can provide valuable insights and recommendations to optimize your investment portfolio and minimize risks. Finally, they can help you stay disciplined and focused on your financial goals, providing guidance and accountability along the way.</p><h2>Key Services Offered by Financial Advisors</h2><p>Financial advisors offer a wide range of services to cater to the unique needs of their clients. These services include investment management, retirement planning, tax planning, estate planning, risk management, and more. Let’s explore some of these services in detail.</p><h3>Investment Management</h3><p>Investment management is one of the core services provided by financial advisors. They analyze your risk tolerance, investment goals, and time horizon to create a diversified portfolio that aligns with your objectives. They continuously monitor and adjust your investments to ensure they remain in line with your financial goals.</p><h3>Retirement Planning</h3><p>Financial advisors can help you plan for a comfortable retirement by estimating your future expenses, assessing your retirement savings, and creating a strategy to achieve your desired retirement income. They consider factors such as inflation, healthcare costs, and social security benefits to create a comprehensive retirement plan.</p><h3>Tax Planning</h3><p>Effective tax planning is crucial to optimize your financial situation. Financial advisors can help you minimize your tax liability by identifying deductions, credits, and other strategies to reduce your taxable income. They stay updated with the latest tax laws and regulations to maximize your tax savings.</p><h3>Estate Planning</h3><p>Estate planning involves creating a plan for the distribution of your assets after your passing. Financial advisors can assist you in creating a comprehensive estate plan that includes wills, trusts, and other legal documents to ensure your assets are distributed according to your wishes. They can also help minimize estate taxes and protect your assets for future generations.</p><h2>Conclusion</h2><p>In 2023, wealth management and financial advisors continue to play a vital role in helping individuals and businesses navigate the complex financial landscape. Their expertise and guidance can help you achieve your financial goals, whether it’s investing for retirement, planning for your children’s education, or protecting your assets for future generations. By hiring a trusted financial advisor, you can have peace of mind knowing that your financial future is in capable hands.</p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/wealth-management-and-financial-advisors-in-2023/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Retirement Account Types And Benefits</title> <link>https://mnabxln.info/retirement-account-types-and-benefits</link> <comments>https://mnabxln.info/retirement-account-types-and-benefits#comments</comments> <pubDate>Mon, 11 Dec 2023 13:39:36 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=66</guid> <description><![CDATA[Introduction Planning for retirement is essential to ensure financial security and peace of mind in your golden years. One of the key aspects of retirement planning is understanding the various types of retirement accounts available to individuals. In this article, we will explore different retirement account types and their benefits. Traditional Individual Retirement Account (IRA) [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Pin on Payroll Training" src="https://i.pinimg.com/originals/05/b4/99/05b499902ee0110560d73f32aeaafd7a.jpg" _mce_src="https://i.pinimg.com/originals/05/b4/99/05b499902ee0110560d73f32aeaafd7a.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Introduction</h2><p>Planning for retirement is essential to ensure financial security and peace of mind in your golden years. One of the key aspects of retirement planning is understanding the various types of retirement accounts available to individuals. In this article, we will explore different retirement account types and their benefits.</p><h2>Traditional Individual Retirement Account (IRA)</h2><p>A Traditional IRA is a tax-advantaged retirement account that allows individuals to contribute pre-tax income. The contributions grow tax-deferred until withdrawal during retirement. This type of account is suitable for those who expect their tax bracket to be lower in retirement.</p><h3>Benefits of Traditional IRA</h3><p>1. Tax Deductions: Contributions to a Traditional IRA may be tax-deductible, reducing your taxable income for the year.</p><p>2. Tax-Deferred Growth: The earnings on your investments within the account are not taxed until withdrawal, allowing for potential compounding growth.</p><p>3. Flexibility: Traditional IRAs offer a wide range of investment options, including stocks, bonds, mutual funds, and more.</p><h2>Roth Individual Retirement Account (IRA)</h2><p>A Roth IRA is another type of retirement account that offers tax advantages. Unlike a Traditional IRA, contributions to a Roth IRA are made with after-tax income. However, withdrawals during retirement are tax-free.</p><h3>Benefits of Roth IRA</h3><p>1. Tax-Free Withdrawals: Qualified withdrawals from a Roth IRA are entirely tax-free, providing tax-free income during retirement.</p><p>2. No Required Minimum Distributions (RMDs): Unlike Traditional IRAs, Roth IRAs do not have required minimum distributions, allowing for more flexibility in managing your retirement funds.</p><p>3. Potential Estate Planning Benefits: Roth IRAs can be passed on to beneficiaries, who can continue tax-free withdrawals, creating a legacy for future generations.</p><h2>401(k) Retirement Plan</h2><p>A 401(k) retirement plan is an employer-sponsored retirement account that allows employees to contribute a portion of their salary to the plan. Employers may also match a certain percentage of the employee’s contributions.</p><h3>Benefits of 401(k) Retirement Plan</h3><p>1. Employer Match: Many employers offer a matching contribution, which is essentially free money added to your retirement savings.</p><p>2. Higher Contribution Limits: 401(k) plans have higher contribution limits compared to IRAs, allowing individuals to save more for retirement.</p><p>3. Tax-Deferred Growth: Similar to Traditional IRAs, 401(k) plans offer tax-deferred growth, maximizing the potential for investment returns.</p><h2>Simplified Employee Pension (SEP) IRA</h2><p>A SEP IRA is a retirement plan suitable for self-employed individuals or small business owners. It allows for tax-deductible contributions and tax-deferred growth, similar to Traditional IRAs.</p><h3>Benefits of SEP IRA</h3><p>1. High Contribution Limits: SEP IRAs allow for higher contribution limits compared to Traditional IRAs, enabling self-employed individuals to save more for retirement.</p><p>2. Easy to Establish and Maintain: SEP IRAs have minimal administrative requirements, making them a convenient choice for small business owners.</p><p>3. Tax Advantages: Contributions to a SEP IRA are tax-deductible, reducing the individual’s taxable income for the year.</p><h2>Conclusion</h2><p>Understanding the different retirement account types and their benefits is crucial for effective retirement planning. Whether you opt for a Traditional IRA, Roth IRA, 401(k) plan, or SEP IRA, each account offers unique advantages that can help you achieve your retirement goals. Consult with a financial advisor to determine the best retirement account option based on your individual circumstances and objectives.</p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/retirement-account-types-and-benefits/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Investment In Precious Metals</title> <link>https://mnabxln.info/investment-in-precious-metals</link> <comments>https://mnabxln.info/investment-in-precious-metals#comments</comments> <pubDate>Mon, 11 Dec 2023 13:35:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=64</guid> <description><![CDATA[Why Invest in Precious Metals? Investing in precious metals has long been considered a safe and reliable method to preserve and grow wealth. Precious metals, such as gold, silver, platinum, and palladium, have intrinsic value and are known for their ability to retain their worth even in times of economic uncertainty. Gold: The Timeless Investment [...]]]></description> <content:encoded><![CDATA[<p><![CDATA[<br /><article><figure><img alt="Invest in precious metals" src="https://i2.wp.com/www.funender.com/wp-content/uploads/2016/09/Invest-in-precious-metals-1020x680.jpg" _mce_src="https://i2.wp.com/www.funender.com/wp-content/uploads/2016/09/Invest-in-precious-metals-1020x680.jpg" width="100%" style="margin-right: 8px;margin-bottom: 8px;" _mce_style="margin-right: 8px; margin-bottom: 8px;" /></figure><h2>Why Invest in Precious Metals?</h2><p>Investing in precious metals has long been considered a safe and reliable method to preserve and grow wealth. Precious metals, such as gold, silver, platinum, and palladium, have intrinsic value and are known for their ability to retain their worth even in times of economic uncertainty.</p><h2>Gold: The Timeless Investment</h2><p>Gold has been a sought-after investment for centuries. Its scarcity and durability have made it a store of value throughout history. Investors turn to gold as a hedge against inflation and currency fluctuations, as its price tends to rise during economic downturns.</p><h3>Silver: The Versatile Metal</h3><p>Silver, often referred to as “poor man’s gold,” offers unique investment opportunities. Besides its monetary value, silver is widely used in various industries, including electronics, solar panels, and medicine. This versatility can contribute to the demand and potential appreciation of silver.</p><h3>Platinum and Palladium: Industrial Demand</h3><p>Platinum and palladium are primarily sought after for their industrial applications. Both metals are crucial in the production of catalytic converters, which help reduce harmful emissions in vehicles. As the demand for cleaner energy and stricter emissions regulations grow, so does the demand for platinum and palladium.</p><h2>Diversification and Risk Management</h2><p>Investing in precious metals allows for diversification in one’s portfolio. By including different asset classes, such as stocks, bonds, and precious metals, investors can reduce their exposure to market volatility and potential losses. Precious metals offer a level of stability and act as a hedge against other investments.</p><h2>Methods of Investing in Precious Metals</h2><p>There are several methods to invest in precious metals, catering to different investor preferences:</p><h3>1. Physical Ownership</h3><p>Investors can purchase physical bullion or coins and store them securely. This method provides direct ownership and the ability to hold and touch the precious metals, providing a sense of security for some investors.</p><h3>2. Exchange-Traded Funds (ETFs)</h3><p>ETFs are investment funds that trade on stock exchanges. They allow investors to gain exposure to precious metals without physically owning them. ETFs offer convenience and liquidity, making them an attractive option for many.</p><h3>3. Mining Stocks</h3><p>Investors can also consider buying shares of mining companies. This method provides exposure to the precious metals market while leveraging the potential success of mining operations. However, it is essential to research and select reputable mining companies.</p><h2>Factors to Consider</h2><p>Before investing in precious metals, it is crucial to consider the following:</p><h3>1. Market Conditions</h3><p>Keep an eye on market trends and economic indicators that may affect the prices of precious metals. Factors such as interest rates, inflation, and geopolitical events can influence their value.</p><h3>2. Storage and Security</h3><p>If you choose to own physical precious metals, ensure you have a secure storage solution. Consider safe deposit boxes, home safes, or professional storage services.</p><h3>3. Long-Term Approach</h3><p>Investing in precious metals should be viewed as a long-term strategy. Prices can fluctuate in the short term, but historically, precious metals have shown consistent growth over time.</p><p>In conclusion, investing in precious metals offers a reliable and stable method to protect and grow wealth. With a long history of value retention and various investment options, precious metals can play a significant role in diversifying an investment portfolio. Consider your risk tolerance, market conditions, and preferred investment method before entering the world of precious metals investing.</p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/investment-in-precious-metals/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Evaluate Your Home Improvement Financing Options</title> <link>https://mnabxln.info/evaluate-your-home-improvement-financing-options</link> <comments>https://mnabxln.info/evaluate-your-home-improvement-financing-options#comments</comments> <pubDate>Fri, 07 Apr 2023 22:00:07 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=57</guid> <description><![CDATA[Although as the saying goes,”There is definitely no place like home!”, the time will come that your home could use some renovations, upgrades or improvements. Does your kitchen need more cabinets? Do you need more space in the living room? How long have you had the crack in the bathroom tile floor? When was the [...]]]></description> <content:encoded><![CDATA[<p> Although as the saying goes,”There is definitely no place like home!”, the time will come that your home could use some renovations, upgrades or improvements. Does your kitchen need more cabinets? Do you need more space in the living room? How long have you had the crack in the bathroom tile floor? When was the last time you had your roof repaired or replaced? If any of these situations give you reason to pause, it could be time for some home improvements.If money is a concern, you should first evaluate your home improvement financing options. A home improvement loan can help finance the project or projects of your choice without paying for the whole project in one large chunk. The terms of a home improvement loan vary with each lender and also with the credit score of the borrower. Home improvement financing can be broken down into monthly or quarterly payments just like other types of loans. These loans can be extended for 5 to 10 years, but bear in mind that the longer the repayment period is, the higher the interest rate is likely to be.Why should you bother to evaluate your home improvement financing options if you can make the repairs yourself? There are some home improvements that should not be done by non-professional persons and having your home improvement financed can ensure that trained professionals can be hired and enough money exists to get the job done properly. A home improvement project properly executed by trained professionals will greatly increase the value of your home.A word of caution for you, financing professional home improvement projects isn’t cheap. There is, however, a value to financing your home improvements in this manner. The plus side is that you have the opportunity to stay in a home you always dreamed of and you have the ability to pay off the loan on more flexible terms.As you begin to evaluate your home improvement financing options, look for home improvement financing interest rates that are lower than others on the market. Consider the value of your property, also called the equity. The more equity your have in your home the better your starting position. You can find home improvement financing in such places as your local bank, loan brokers, and society co-ops.There are requirements for home improvement financing you must meet. You should be prepared to answer all of the following questions. Most places will ask if you have financial issues. Do you have existing credit loans from other companies? What is the status of those existing credit loans? What is the current status of your house mortgage? Do you have a regular income? Every company has its own rules and regulations. Those are just a few areas to consider begin the application process. The more preparation you can do beforehand, the better off you will be during the loan application and approval period.Taking the time to evaluate your home improvement financing options can eliminate a lot of confusion. Do as much comparison shopping as possible and pick the lender that offers an affordable loan rate and legal credibility. </p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/evaluate-your-home-improvement-financing-options/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Tips to Selling Original Art Online</title> <link>https://mnabxln.info/tips-to-selling-original-art-online</link> <comments>https://mnabxln.info/tips-to-selling-original-art-online#comments</comments> <pubDate>Wed, 05 Apr 2023 09:33:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=55</guid> <description><![CDATA[Selling Your Artwork Online The internet has revolutionized the way we buy and sell everything, including fine art. Many artists are finding that selling online can be another way to market and sell their artwork to a larger international community of art buyers and collectors. Have you ever thought how many millions of people all [...]]]></description> <content:encoded><![CDATA[<p> Selling Your Artwork Online<br />The internet has revolutionized the way we buy and sell everything, including fine art. Many artists are finding that selling online can be another way to market and sell their artwork to a larger international community of art buyers and collectors. Have you ever thought how many millions of people all over the world use the internet every day to buy products including fine art to decorate their homes? According to the latest statistics, over 1.2 million people buy online every day.Commissions and Membership Fees<br />Art galleries charge artists as much as 50% in commission, and the marketing exposure is limited to those people that visit the gallery and decide to make a purchase. Some online art galleries sites also charge a commission. Commissions for online galleries can range anywhere between 1-5% is normal and up to 10% on the higher end. Other online art galleries charge a monthly membership fee to cover their monthly overhead cost. The reason that online art galleries commission and overhead cost is not as much as a gallery in New York is because online galleries do not pay for leasing a facility, utilities and labor cost. There are a few online art galleries that do not charge any commissions or fees.Selling Original Art<br />Some online art sites sell art online that is not always original art. You may think you are buying an original piece of art but instead it is a printed image of a painting on a canvas. If the prints are numbered lithographs of the original artwork, it could eventually have some value but not as much as an original painting. Some artists choose to sell prints and lithographs artwork in order to mass produce and maximize their income from every original piece of art. Those types of printed reproductions are for art buyers that are not interested in originality but are just looking to buy a print to frame and hang on their wall. More serious art buyers and collectors want the real thing.Promote and Sell Your Artwork<br />Selling your art online is another alternative to market your artwork because online art galleries reach a larger audience. These sites provide the venue for artists and art collectors to connect and transact with one another. They provide artist and emerging artists with the tools to market and promote their art through social medias. There are many international artists and emerging artists that are discovering this new form of promotion and selling.It has never been easier for artists to sell their work and been more convenient for art buyers and collectors to browse and select high-quality original art. Who knows, maybe the next Picasso could already be selling their art in one of those online art galleries. </p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/tips-to-selling-original-art-online/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Care Vs Health Insurance</title> <link>https://mnabxln.info/health-care-vs-health-insurance</link> <comments>https://mnabxln.info/health-care-vs-health-insurance#comments</comments> <pubDate>Tue, 04 Apr 2023 23:20:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[Meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=53</guid> <description><![CDATA[I’ll be blunt and get right to the three points of this article. Point 1. Health care and health insurance should be separated. Point 2. If it weren’t for the fact that health insurance has come to mean health care for most Americans there would be no health care reform. Point 3. The only way [...]]]></description> <content:encoded><![CDATA[<p> I’ll be blunt and get right to the three points of this article.<br />Point 1. Health care and health insurance should be separated.<br />Point 2. If it weren’t for the fact that health insurance has come to mean health care for most Americans there would be no health care reform.<br />Point 3. The only way to fix America’s health care once and for all is to bifurcate health care and health insurance as they should be.I’ll also give you three reasons why I say this so if you choose you can go to other articles and not bother with reading this further.<br />Reason 1. Because health care is now paid for by a third party health insurance premiums have increased over 100% since 2004.<br />Reason 2. On average over 60% of every health care dollar is wasted in the health insurance claims process.<br />Reason 3. Because of the health insurance/health care connection Americans are being robbed of their most precious birthright – their health.By means of government and health insurance company propaganda health care has been synonymous with health insurance since most of us can remember. At some point who among us hasn’t thought we needed a job with “benefits,” or maybe better benefits, so we could go to the doctor. We have been brainwashed by a system that profits monstrously from our lack of knowledge or apathy – whichever the individual case may be. We have been taught from our first paycheck that health insurance is the be-all-end-all when it’s time to take the kids to the doctor for a runny nose.That is confirmed within days when we get bill from the doctor’s office that says that the cost for that visit was $225.00.The system is rigged and it’s rigged so that each and every American thinks that someone else should pay for their health care. More on that later.Health care should be separated from health insurance like car care is separated from car insurance. When it’s time for an oils change do you reach in your pocket for your car insurance card to pay for it? “Of course not.” you say, “That would be ridiculous.”I ask you now to stop for a second and think why that would be a bad idea.In case you don’t know, let me give you a little primer on insurance. Insurance premiums are based on, among other things, claims – both the number and the amount of the claims. The individual states Department of Insurance ride herd over insurance companies to see that the amount paid out in claims is in proportion to the amount collected in premiums. So an insurance company doesn’t get a rate increase unless they have the claims to substantiate the increase. (That, by the way, is the one good service that the departments of insurance serve, since as individuals we don’t have the time nor the inclination nor the resources to look all of that information up.)So let’s now go back to the oil change scenario and look at it again. Instead of the one, two or three claims that you may file in a lifetime on your car insurance, you now find yourself filing a claim every three months or 10,000 miles. What would you expect your premiums to be like? How much would they increase? Also take this into consideration; your local mechanic or oil change service would have to wait 90 to 120 days to get paid for their money for the oil change. Plus there would be layer upon layer of paperwork to file the claim. The fact is, that if car insurance was like health insurance, your local oil jockey would have to hire an entire billing department just to file the correct forms with the correct codes – not once – but maybe as many three or four times.Do you think the oil change would still be $35.00 at your local Spiffy Lube would still be $35.00 or with the added payers of paperwork and personnel would the cost go up?The average face time with a medical doctor in the United States in now less than 10 minutes. The average amount of office labor involved in collecting the money for that 10 minute visit is upwards of three hours. How much is that costing you? Since there are no statistics kept on this let me do the simple math for you here. Billing and coding personnel make an average of $15.00 an hour. That could mean as much as $45.00 of your health care dollar goes toward processing your claim… and that is just at the doctor’s office. To be fair it is probably close to $30.00 on average but that is still a mighty large chunk of money.It is even larger when you look at what the doctor gets paid. (I told you earlier we would get back to this.) Don’t look at what the doctor bills, Look instead at your EOB, Explanation of Benefits that comes in a few months down the road. Don’t get caught up in the coding and insurance gibberish but instead look good and hard at the amount that was paid to the doctor. In many cases it will be something around $50.00, up to very rarely, $100.00.So the doctor paid out $30.00 to $45.00 to collect $50.00. Does that sound right or even smart?Then there are the processing costs added on at claims departments at the insurance companies. Most companies have at least two tiers of bureaucracy to look at every claim. The highest cost of any division at the large health insurance companies – right after management – is the claims department.The new health care reform law (Patient Protection and Affordable Care Act )has added no less than 159 new programs, agencies and departments in between your visits and your doctor getting paid. Anyone out there really think all of those programs will save your health care dollars for health? </p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/health-care-vs-health-insurance/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Millions Now Find Local Business on the Internet Even Though Yellow Pages Lie on a Shelf in a Closet</title> <link>https://mnabxln.info/millions-now-find-local-business-on-the-internet-even-though-yellow-pages-lie-on-a-shelf-in-a-closet</link> <comments>https://mnabxln.info/millions-now-find-local-business-on-the-internet-even-though-yellow-pages-lie-on-a-shelf-in-a-closet#comments</comments> <pubDate>Tue, 04 Apr 2023 19:42:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[local business]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=50</guid> <description><![CDATA[What keeps you awake at night, indigestion boiling up your esophagus, eyes open, staring at the ceiling? What do you secretly, ardently most desire? Is your business growing to satisfy all of your needs?Is your local business getting enough phone calls?With the radical changes in the economy and people moving away from Yellow Pages, newspaper [...]]]></description> <content:encoded><![CDATA[<p> What keeps you awake at night, indigestion boiling up your esophagus, eyes open, staring at the ceiling? What do you secretly, ardently most desire? Is your business growing to satisfy all of your needs?Is your local business getting enough phone calls?With the radical changes in the economy and people moving away from Yellow Pages, newspaper ads and other old school advertising media, your customers are looking on the Internet for you. They search the Internet, and then they go down the street and buy what they want and need. If they don’t find your Local Business in their search, they are not buying from you.Times have changed, indeed. The Internet is still new; but, it is everywhere, and it is not going away anytime soon. The Internet has transformed our world, shrunk the whole world into a computer you hold in your hand, heretofore known as a cell phone. If you don’t get your business in position to be seen on that small screen, your customers are going someplace else.WARNING: Your customers are looking for you online right now!If your Local Business is found on the Internet, you can sell. If…Perhaps, a few statistics will shed light on this mystery:<br />Over 1 Billion local searches performed every month — growing over 50% a year<br />80% American consumers are using the Internet [2009]<br />80% of people first search online before making a purchase<br />97% Internet users use the Internet to shop [NPD Group]<br />90% Internet searches result in offline brick & mortar purchases [Comscore]<br />82% Internet searches result in calls & contact with businesses [Comscore]<br />74% Internet users perform local searches [Kelsey Group]<br />73% Internet searches are related to local content [Google]<br />66% Internet users use Internet for local searches [Comscore / TMP]<br />25% Internet searches have purely local commercial focus [ Kelsey / Bizrate]<br />Pepsi, FedEx pass on 2010 Super Bowl ads — shift ad dollars to new marketing efforts mostly online.What are your customers looking for?Old school marketing is still King. Times have changed, and media change, too. None of us alive today remember the King’s herald announcing news from the official scroll. Some of us recall barkers calling out theater or carnival sideshow attractions to passers-by. Most of us have bought something from a newspaper advertisement, or called to order something prompted by a Yellow Page spread.The Internet and computing devices are new media. Applying old school marketing principles to new media is a wise idea. That’s exactly what we are about to show you here.Can your customers find your Local Business on the Internet?Local Business Search ResultsDon’t worry — if you’re a Fortune Multi-National Conglomerate, you don’t need to appear in the Local Business Results.One of the best kept local Internet marketing secrets is the Google Local Business Center. Until your business is registered here, it cannot be found in the search results map. Google implemented this feature in early 2009, and it’s been evolving ever since. For those buying locally, however, this is the first thing most searchers see… and probably the first links on which they will click. Once here, not only are you at the top of Page One — look at that map! They now know where you are and how to get to you…If you’ve seen maps and GPS on cell phones, this is how your Local Business shows up on mobile devices. The Mobile Market is enormous and truly the wave of the future.Organic Search ResultsAdditionally, you need to be at the top of the normal, Organic Search Results, the traditional results area on the left, mostly below the Local Business Results. When your web page link is in the top six Organic Search Results — your Local Business has another clickable link on this first search page. Multiple clickable links on the first search page increases your odds that your customers will go to your web site… once there, we believe you can close them.Your Organic Search Results are a function of the quality & credibility of your Local Business presence on the Internet. You want all online roads leading back to you and your web site. There are virtually unlimited credible and respectable sources throughout the Internet, and from there nearly infinite routes back to your Local Business web site. Remember traditional referrals and testimonials from old school marketing? Referral links back to your web pages from everywhere on the Internet are testimonials to your Local Business relevance.The local business with the most links wins!Content Search ResultsFurthermore, your online content must also appear in the top search results! All content relevant to that search adds more links back to your Local Business on the first search page. You and your Local Business are going to be viewed as the top authority on all matters regarding this search. Google loves rich, relevant & rewarding online content!!!<br />Online Videos (YouTube.com)<br />Online Press Releases (PRweb.com)<br />Online Articles (EzineArticles.com)<br />Social Content Sites (Squidoo.com)<br />Online Classifieds (Craigslist.org)<br />Online Business Directories (MerchantCircle.com)<br />Online Review Sites (Kudzu.com)But, wait, there’s more! Pay-Per-Click (PPC)You want to be in the Pay-Per-Click and/or Sponsored Results up there in the top yellow box and down along the right side. Pay-Per-Click is Pay-As-You-Go — your ad only shows up when somebody searches for your specific key words. Your ad is only shown to your best customers who are searching specifically for what you have to offer. You set how much you are willing to pay, and you only pay when somebody clicks on your ad — the fully qualified buyer.So, the question is, How much is each fully qualified customer on your web site worth to you???Geo-Targeting Your AdsFurthermore, you can also target your ads to local customers in your area. By focusing on local customers, your ad is only seen locally. Locally seen ads are more likely to attract local customers, are cheaper for you, and you do not compete with companies on the other side of the world.For example, a consumer searches, “I need a plumber.” Google knows where the local plumbers are. When you only show your ad to people in your city for these “generic” keywords, you get cheaper clicks, targeted traffic and less competition.What if your web pages sit atop the search engine results?What if you are the #1 Authority online?Imagine what that will mean for your Local Business! How many more customers do you want coming to you every single day? every single week? every single month?What will it do for your Local Business when you have your online market domination plan in place?If you have a Yellow Pages ad, you are already spending marketing money. What is your return on that investment???Every search engine result page can present only the most relevant web pages that fit into the limited space on one page. Only an elite few Local Businesses can possibly be seen there.Do your own homework. Look for yourself. Do a search using keywords that your best customers will use to find your Local Business.Which Local Businesses are on the first search page? How many Local Businesses are on the first search page? Is that your biggest competitor there in A. or B. in the Local Business Results? Are your best customers going to your Competitors because they find them — NOT YOU — in the search results?As you see, nobody can possibly do a credible job placing more than six Local Businesses in your market on Google page one. Furthermore, when you consider your goal is to have multiple links to your Local Business on that same Google page one, you must carefully consider the sales hype of typical SEO geeks! There can be only one Number One — will it be you and your Local Business? </p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/millions-now-find-local-business-on-the-internet-even-though-yellow-pages-lie-on-a-shelf-in-a-closet/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Internal Crisis Communications</title> <link>https://mnabxln.info/internal-crisis-communications</link> <comments>https://mnabxln.info/internal-crisis-communications#comments</comments> <pubDate>Sun, 02 Apr 2023 01:04:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Data Communication]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=48</guid> <description><![CDATA[Why effective internal crisis communication is importantYour employees are perhaps your most important ‘stakeholders’ during a crisis. Poor internal crisis communications can undermine all your efforts to manage a crisis externally, and the lack of trust, low morale, employee turnover and poor customer relations that result can compound the issues you face.So see your employees [...]]]></description> <content:encoded><![CDATA[<p> Why effective internal crisis communication is importantYour employees are perhaps your most important ‘stakeholders’ during a crisis. Poor internal crisis communications can undermine all your efforts to manage a crisis externally, and the lack of trust, low morale, employee turnover and poor customer relations that result can compound the issues you face.So see your employees as your front line to the world. Keep them informed, up-to-date and involved in your organization’s response to the crisis. Read on for some ideas for internal crisis communications – before, during and after a crisis.Good employee communications can avoid a crisis in the first place.Crises seem to come from nowhere. However, very often they are the result of bad practices or issues which have been smoldering for some time. Your leadership team may not have known about them but your employees almost certainly will have.Remind people at least once a year about the policies and processes your organization has in place. For example, tell them about your health and safety, security and financial policies and processes and what they should do if they have an issue.Raise the profile of important messages. Digital signage on screensavers is a great visual way to raise the profile of important messages. Think legal compliance, financial compliance, health and safety… A compliance desktop alert is another useful way to ensure employees read and acknowledge important messages. And an on-line forum that allows anonymous posts can let employees ‘blow the whistle’ and bring smothering issues to the surface so that you can address them before they become a crisis.Planning is the key to effective internal crisis communication.Set up internal crisis communications channels.Make sure your internal crisis communications channels are in place before the crisis hits. The middle of a crisis is not the time to be asking your IT team to set up a new discussion forum or be training your employees to use a communications channel.Make sure the internal crisis communications channels you choose are easy to use, effective and simple to activate and manage.Have a range of internal crisis communications channels available to communicate during a crisis, not just one. Depending on the nature of the crisis, some channels may not be effective so build in some redundancy.These are some crisis communications channels you may consider using:Desktop alerts can be a fast way to get messages to employees who use computers.<br />Message reporting tools can show which employees have read the messages and identify ‘gaps’ in your coverage. These gaps may indicate that your computer network is down in a particular area and that you need to find other ways to communicate with some employees. Back up these desktop alerts with digital signage on screensavers, and use desktop newsfeeds to update employees on progress.<br />Set up ‘sleeping’ discussion forums and blogs in advance, target the employees you want to reach and the rights you want to give them (e.g. view, read, comment), and choose moderators. Then just click to activate the discussion forum or blog when you need it. As soon as an employee posts a comment, your moderator will receive a desktop alert notification. You can activate other communications channels quickly too (e.g. desktop alerts, desktop newsfeeds and digital signage on screensaver), to make employees aware that these discussion forums and blogs are available.Use social media to listen to your employees.Some organizations shy away from setting up social media channels internally as they are concerned they will turn into an ‘on-line complaints desk’. This can be a valid concern. However, you cannot turn off employees’ dissatisfaction just by refusing to hear it and many crises start as small, smoldering problems that people have chosen to ignore. Social media are a good way to bring these issues to the fore. While they may create more work in the short term, they will let you keep a finger on the internal pulse and respond to issues early.Set up target audiences in advance.Use an internal communications solution that lets you target the employee groups you communicate with.Connect people in advance and help them collaborate.Use an internal crisis communications solution that lets you set up a crisis management team as one of your target messaging groups. So when your emergency strikes, you can communicate with the crisis team quickly and easily. You can also set up, in advance, a secure discussion forum for the crisis team to use to share ideas during the crisis. Both features will help you respond to the crisis quickly.Carry out scenario planning and plan messages ahead.Set up different messages in advance, target them to the relevant employees and store them without publishing them. So when a crisis hits, you can update the relevant messages and publish them to your targeted employees within minutes, using a range of channels: digital signage on screensavers, desktop alerts, desktop newsfeeds, discussion forums and blogs.When a crisis hitsMake and communicate decisions quickly.Fast, effective decisions are critical during a crisis. But making the right decision at the right time often means bringing together busy people in different time zones. An online discussion forum can help here. Set it up in advance and activate it quickly when you need to. Use the targeting, security and authentication features to restrict access. Delete or archive the messages when you no longer need them.As soon as you have made your decisions, tell your employees. If they understand your decisions, and the reasons for them, they are likely to get behind them. An approval desktop alert can helpful here, particularly if one or more people needs to approve messages before they go out. Use the recurrence settings to get quick sign-off. This will help you finish messages and push them out to employees in a timely way.Tell your employees first.Whenever possible during a crisis, communicate internally before you spread the word externally. Open, timely communication with your employees will help build trust and make them willing to represent your organization and support the way it is handling the crisis.Communicate face-to-face.Face-to-face communication can be one of the most effective ways of communicating during a crisis. However, small, personal gatherings tend to be more appropriate than large ‘town hall’ meetings. Use a RSVP desktop alert tool to offer different session times and gather employees’ questions and concerns before the meetings.Listen to your employees.Use a popup staff survey tool to ‘temperature check’ and gather employees feedback quickly and easily as you respond to the crisis. Deliver your survey onto the desktop of the employees you target and repeat and escalate the message, to encourage employees to reply.Employee discussion forums let you gather qualitative feedback. Employees may be reluctant to disagree openly with the way you are managing the crisis but, if you let them voice their opinion online (anonymously, if needed), they are likely to be more candid. You may not want to hear some of their comments but they will give you a valuable point-of-view.Offer answers to employees’ questions.An interactive Q&A forum can be a simple, effective way to provide answers to concerned employees. You may not be able to predict all the questions they may have, as the situation may be changing fast, so use this online forum as an evolving FAQ.Manage ‘data deluge’.'Information overload’ is a problem in most organizations at the best of times. During a crisis, managing this issue is more critical than ever. Employees may become confused about where to find correct, up-to-date information and important messages may be buried in the deluge of data.Shield employees from low value, mass internal communications. You may wish to defer all communication that is non-critical. Or consolidate ‘lower value’ updates into a ‘one-stop magazine’.Managing information overload helps increase the chances that employees will notice your internal crisis communications. An acknowledgement desktop alert also lets you check whether employees have read and acknowledged important messages. Use the up-to-the-minute reporting tools to see which messages employees have read and where you may need to use other channels to get your message across.Make sure your leaders are seen to be leading.The more visible your executives are during the crisis and the more open they are about what is happening, the better. An executive blog can be an effective way to communicate during a crisis and show the executive team leading from the front. If face-to-face meetings are not possible, video can be a fast, personal alternative.Involve your line managers.Employees will look to their direct manager for information about the crisis and what it means for them. So make sure you give your managers the information they need. The urgency of the crisis may force you to update employees directly, rather than ‘cascading’ information through your managers in the way you usually would. However, there are other ways to support your managers. Consider using a discussion forum for them to ask questions and share concerns. Or set them up as a targeted group and use tools like desktop alerts and RSS feeds delivered onto the desktop to remind them about the important role they play in leading their employees through the crisis.Keep your messages short and simple.Crises breed concern and concern breeds short attention spans. So keep your messages short and simple. Use simple terms, short sentences and features like headings and bold type to highlight your main points.Repeat messages using a range of internal communications channels.A crisis can be a crazy, distressing time. Different people absorb information in different ways and at different times, so repeat your important messages regularly, using a range of channels. For example, consider using:<br />Desktop alerts for fast ‘cut-through’;<br />Face-to-face meetings, information hotlines and discussion forums to communicate, listen and give more context;<br />Screensavers, desktop feeds and e-mag articles to remind and reinforce;<br />Helpdesks, Q&A spots and the intranet for more information;<br />SMS messaging and audio-conferencing for employees without computers.Focus on employee well being.Some crises put employees’ health and safety at risk. Addressing this risk should be a high priority. Until you can reassure employees that your organization is taking appropriate steps to deal with the crisis, they are unlikely to be able to focus effectively on anything else. The Swine flu pandemics have been recent examples.Screensavers can be a great way to focus on the precautions the organization is taking and to encourage employees to ‘do their bit’. Highly visual messages help reassure employees that the organization is prepared.Focus employee discussion internally.Due to social media, messages can now spread faster and wider than ever before, both inside and outside your organization. They can be subjective, distracting, hard to manage and inaccurate. In fact, social media can spread panic as effectively as they reassure.One way to limit the negative effects of social media is to provide your own social channels and to restrict their use to within your organization. While this will not stop employees posting on external sites, it will reduce this and concentrate the debate inside your organization. Any external postings employees do make are more likely to be accurate and support the organization’s response to the crisis.Use secure internal social media channels that let employees have their say in a way where you can follow the postings and correct any misinformation. Unlike email which can end up in the hands of people outside your organization, be sure to use channels that are designed to keep internal messages exactly that – internal.After the crisisGet back to ‘business as usual’ as soon as you can. Focus your internal communications back on the things that matter to your organization – your strategy, how you are performing, new projects, the good work your employees are doing.Recognize how your employees have contributed during the crisis.Use screensavers, posters or the staff magazine to thank your employees and profile those who have played an important role in dealing with the crisis.Lighten upIf you have been controlling some of your channels more strictly than usual during the crisis (e.g. moderating social media more closely or editing internal communications more tightly), lighten up on the controls.Wipe the slate clean.Remove old messages that only serve to remind employees of the difficult time your organization has been through. Replace visual messages, remove old discussion forums or archive old posts. Your focus needs to be on the present and the future, not the past.Learn from the crisis – and start planning for the next one.Every crisis brings opportunities to learn. So take the time to review. What worked well? And what could you have done better? Use this information to refine your internal crisis communications plan. Review your scenarios, update your draft messages, improve your internal crisis communications channels. </p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/internal-crisis-communications/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Search Results</title> <link>https://mnabxln.info/search-results</link> <comments>https://mnabxln.info/search-results#comments</comments> <pubDate>Sat, 01 Apr 2023 21:00:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Consumer GoodsServices]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=46</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/search-results/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Hiring a Georgia Bankruptcy Attorney – 6 Benefits of Going With an Expert</title> <link>https://mnabxln.info/hiring-a-georgia-bankruptcy-attorney-6-benefits-of-going-with-an-expert</link> <comments>https://mnabxln.info/hiring-a-georgia-bankruptcy-attorney-6-benefits-of-going-with-an-expert#comments</comments> <pubDate>Sat, 01 Apr 2023 14:36:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Bankruptcy]]></category> <guid isPermaLink="false">http://mnabxln.info/?p=44</guid> <description><![CDATA[Bankruptcy law can be complex; you need someone to educate you on why bankruptcy will work for you. Depending on the form of personal bankruptcy you choose–Chapter 7 or Chapter 13–there are many benefits in filing. This guide focuses on Georgia, but the reality is federal laws on bankruptcy are uniform in most respects except [...]]]></description> <content:encoded><![CDATA[<p> Bankruptcy law can be complex; you need someone to educate you on why bankruptcy will work for you. Depending on the form of personal bankruptcy you choose–Chapter 7 or Chapter 13–there are many benefits in filing. This guide focuses on Georgia, but the reality is federal laws on bankruptcy are uniform in most respects except for where you file, who can file, and what debt counseling classes you take.You can eliminate credit card debt with Chapter 7 bankruptcy. For Georgia home owners, filing Chapter 13 bankruptcy can help avoid foreclosure. There were tens of thousands of Georgia foreclosures in 2009, including over 30,000 alone in the third quarter of 2009, but many of these could have been avoided.There are many other key benefits of filing bankruptcy, including:-Peace of mind<br />-Freedom from creditor harassment<br />-Debt discharge<br />-More time to pay back billsHiring an experienced attorney is clearly an effective way to start the process of rebuilding your finances. You may think filing with the courts is your first step in getting a second chance. In fact, hiring a good Georgia bankruptcy attorney is the first step.Why? Let’s go over six benefits of hiring a Georgia bankruptcy attorney. This goes over specifics on how Georgia bankruptcy works, namely with eligibility for Chapter 7 and Chapter 13 bankruptcy allowed in Georgia.Know the Laws for Georgia Bankruptcy<br />A professional bankruptcy attorney does more out of the court room than in. For one, it takes an understanding of the laws to get a successful bankruptcy. True, most bankruptcies are smooth, but that’s because an experienced attorney knows the laws, knows your options, and can help if there are any big or small problems with the documentation, your income, and other aspects. You can find experienced Georgia bankruptcy attorneys at the State Bar of Georgia (who are online).Help with Documentation<br />Most bankruptcy filings require little input on your part. With Chapter 7, you rarely have to even go to court. With Chapter 13, you often go to court but it’s very short. A good bankruptcy attorney handles most of the in court negotiations. You will file at either Georgia Middle District Court, Georgia Northern District Court, or Georgia Southern District Court depending on where you live.Also, income comes into play whether you’re filing for Chapter 7 or Chapter 13, specifically in Georgia. Say you are a single resident living in Georgia with an income under $40,691; in this case, you are eligible for Chapter 7. If you make more than $40,691, the current median income for Georgia, you will likely have to file under Chapter 13 bankruptcy. This is because you make too much money; most are at the least eligible for Chapter 13, unless secured and unsecured debts are too high. If you are in a different state, you have to find out eligibility based on median income.Save You Time<br />Filing bankruptcy takes time. You typically wait 3-4 months for a Chapter 7 bankruptcy discharge, where your assets (if you have any) are liquidated by a trustee appointed by your Georgia bankruptcy court, and debts eliminated. Chapter 13 bankruptcy does take longer, usually 3-5 years. You will have to follow a lot of laws during the process, particularly on taking Georgia debt management classes and other requirements. A bankruptcy attorney can oversee the entire process of filing and discharge, saving you time.Save You Money<br />A bankruptcy attorney can also save you money. But they charge fees, right? Yes, they do, but when you think about how bankruptcy works, you’ll see the value of talented legal counsel. In Chapter 7, you can eliminate thousands if not tens of thousands in debt. With Chapter 13, the home you worked all your life to pay for can be saved.Make it Fast and Painless<br />While Chapter 13 does take longer than Chapter 7, a professional attorney can make this entire process a breeze. He or she will educate you on your options, if you are eligible for Chapter 7 or Chapter 13 bankruptcy in Georgia based on your income, and also advise you on how to save your home. </p>]]></content:encoded> <wfw:commentRss>https://mnabxln.info/hiring-a-georgia-bankruptcy-attorney-6-benefits-of-going-with-an-expert/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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