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How to Cut Your Grocery Bill

2019/04/13

When the attention of the whole world is turning towards the rising prices of fuel, there is another domain where there has been a price rise too albeit quietly – groceries. People are trying to find ways to reduce the grocery bill without compromising on the quality and the quantity of the food.There is common theory doing the rounds is that when you

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Credit card skimming + ATM and Debit skimming

2019/04/08

We demonstrate the credit card skimming equipment crooks (a.k.a. Carders) use to steal your credit card number,…

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Conservative Investment Strategies and Diversify Your Portfolio

2019/04/02

Let the bulls run and let the bears hibernate! I am an average, general, retail investor, who merely wishes to earn a little more via my hard-earned money. You see, I’ve put my blood and sweat into it, nothing is dearer to me that my principal!But, does that mean, I am only meant for fixed income bonds, or measly fixed deposits? No, it doesn’t! I am not adverse to a little

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Certified Financial Planner

2019/03/24

People often find that they need help with their tax, retirement and other financial matters. A certified financial planner can help you to organize your finances and give you a great future.If you wish to invest in property or the stock exchange a financial

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Certified Financial Planner

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Business Intelligence And Its Applications In A Business Set Up

2019/03/16

Business intelligence is a oft-quoted term used by management wizards to help enterprises make better decisions that can be beneficial to the development of business. It consists of a broad category of applications each designed to make the maximum use of the available resources to help in establishing the purpose for which the business was established.

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How to Budget Your Money

2019/03/14

We all dreams to have the best of relations with money, but alas, most of us find trouble in managing their relationship with money. Then only we look for someone to patch up these bad relations and there comes the idea of having money on credit and we fall in traps of Debts. But, trust me there are still better ways to patch up those relations, simply by means of Budgeting

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How To Plan Your Budget

2019/03/14

Budget planning is all about identifying different sources of income of any individual or organization. This is usually determined after taking into account all current expenses and future expenditure which will be incurred in order to meet the financial goals. The main aim of any budget planner is to have considerable savings

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Ways to Stabilize Your Portfolio with Bond

2019/03/12

The common misconception about bonds are that they are good only for the old investors or for those who believe in a conservative approach towards investment. The truth is far from it. The fact is that for a portfolio that is properly balanced, bonds are a very important component. Not only at the later stage of life but at every single stage

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Investing in Bonds and Information

2019/03/12

If you are looking to spread your investment over a variety of instruments, then you must ensure that bonds  form a part of your investment plan. To create a portfolio that matches your needs and expectations, over long term and short term period, you can choose from a wide variety of individual bonds. Individual bonds are traded in the OTC markets. Some bonds

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How to File for Bankruptcy & Ways to File Bankruptcy

2019/03/01

If you are one of the unfortunate people who have been laid off due to the recession and are drowning under piles of debt, then filing bankruptcy may seem like a viable option for you.Bankruptcy filing has significantly

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How to File for Bankruptcy  & Ways to File Bankruptcy

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Information on Wills, Trusts and Estates Information & Benefits and Types of Trusts

2019/02/25

All of us are well aware of the fact that death is a reality and can happen at any time. However, most people, for one reason or another, try to ignore the importance of drafting a will in their earlier days.A will gives you the power to decide what should happen to your property and other assets

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When Do Creditors Report to Credit Bureaus

2019/02/25

People are often confused about credit reporting. A simple question like ‘when do creditors report to credit bureaus’ can’t be answered in one word. It varies with creditors. Some creditors report daily. Most creditors report monthly. Few creditors report quarterly. We will look how the timing of reports affects your credit scores.If your creditor

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How To Avoid Going Bankrupt

2019/02/25

There are plenty of things you can do to avoid going bankrupt. Most of the times, when debts become too heavy to be paid off, the debtor consider filing for bankruptcy protection.Here, it is very important for you to understand that when an individual goes bankrupt

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What Are Consumer Credit Reports

2019/02/25

Although most people know about a consumer credit rating system, not many of them don’t know what consumer credit reports are. By looking at the consumer credit report, one can tell about your financial behavior, lifestyle and even your money-trustworthiness.

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How To Build Wealth

2019/02/25

If you wish to have a self sufficient and successful life, you need to build wealth for your future. You have to be responsible enough so that you can make adequate savings of whatever you earn. Here are some rules which might open your eyes and help you to avoid some traps which might prevent you from building wealth as much as you want.One of the

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personal-finance

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Ways Your Improving Credit Score & How to Improve Your Credit Score

2019/02/25

For approaching a financial institution with a loan request, a good credit score is very important. Lenders consider your loan request only when your credit score is good. Credit score is the rating that the credit bureaus give on your credit report.The score they give as grade allow the lenders to know, whether or not you are a good candidate

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Different Ways to File the Bankruptcy & Tips for Filing Bankruptcy

2019/02/25

(1) Consider of All The AlternativesFiling bankruptcy should always be the last choice, as it will remain on your credit file for up to ten years. Pursue it after careful consideration of all alternatives. The new bankruptcy abuse prevention and consumer protection act

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personal-finance

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Importance of Personal Finance

2019/02/25

When, a man talks or plans about his current and future financial situation he actually indicates his personal finance which plays a very important role in his life. This term is related to you and your money; hence its importance.But there are many people who fail to realize

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personal-finance

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Understanding The Different Aspect Of Debts

2019/02/25

Debts are surely one of the worst things which can happen to you. But they are not fatal either. Debt is the amount you have to pay to a person from whom you previously borrowed a sum of money.Here you are the debtor and the party to whom you owe money is the creditor. The creditor may be a person or an organization and similar is the case of a debtor

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Types of Mutual Funds

2019/02/25

There are various types of debt instruments such as fixed deposit, government securities, money market securities, company bonds & company FD. Investment in debt is considered to be less risky as compared to investment in equities. There are various types of debt funds that invest in all these debt instruments.Debt Mutual Fund

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Top Ten Solutions for Bad Credit

2019/02/25

Bad credit against a person blacklists him for not ensuring the return of loan money within the stipulated time. A bad credit will make it difficult for you to get further loans from any financial institution. Such a credit condition usually happens when either your repayment checks have bounced more than once or when you have failed to pay your EMI’

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Top 4 Ways To Make Money Online

2019/02/25

There was a point of time when people believed that the only use of the internet was to host information. As time went by, more and more people began to realise the immense money-making capabilities of the internet, and began to explore different ways in which to generate income.In recent times, it has become quite common for people to earn more money online

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Tips To Use loan To Build Assets

2019/02/25

Loan is something which everyone aspires for to fulfil his dreams and get help in finances, but the worst part is that it is counted an s liability because we have to pay it back to the lending company. But these days the market of loans is showing a drastic expansion both in the form of presence as well as size too. The reason is that there is high rate of growth and they need

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Refinance Home Mortgage Tips

2019/02/25

The issue of refinancing home mortgage now comes with some lucrative proposals. And you better be full of information regarding the certain essentials such as better refinance rates, terms and conditions with the ins and outs of home mortgage that the mortgagee can only provide

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Tips To Fix Credit After Bankruptcy

2019/02/25

Just because you are bankrupt, it does not mean that you should lose hope. There are still plenty of ways to fix credit after bankruptcy and to bring your finances back on track. Though bankruptcy is used as the last option to get relief from overwhelming debts that you

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How To Prevent IRS Wage Garnishments

2019/02/25

The IRS or, the Internal revenue Service, is a bureau of the Department of the Treasury and is the Unites State Federal Government’s revenue service. The primary responsibility of the IRS is to collect taxes from citizens and to enforce and interpret the country

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How To Prevent IRS Wage Garnishments

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How to Get Emergency Financial Help

2019/02/25

If you are surrounded by debts and need financial support then it is not wrong to ask others for help. It is better to clear your debts as soon as possible than allowing it to keep piling up. We land ourselves in financial trouble when we do not manage our money well. People who keep spending their money without knowing their limitations are the first to get into trouble.

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Tips For Financial Planning For Newly Weds

2019/02/25

Marriage brings a whole lot of responsibilities with it and one of them is the financial planning. Now you have to look after two people, plan for the future and invest and save for you family. So before the marriage sends you in dismay, that how will you handle so many things at one go after marriage

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Three Ways Of Preventing A Check Return

2019/02/25

One of the benefits of having a bank account is the check facility that a bank provides to its account holders. A check can be used for several purposes such as payment for purchases, transfer of money in favor of another person, withdrawal of cash from bank account and so on. Payment through check ensures that money is received by the person

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Three Steps Involved In Calculation Of Monthly Savings

2019/02/25

It is must for every individual to save money for tough times. Spending money extravagantly can result in insufficient or no cash balance. Investment plans should be identified to save money as and when there is an opportunity or when excess cash is available.Any amount of idle cash available at home should be deposited in a bank account

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Three Steps In Online Transfer Of Funds From Bank To Bank

2019/02/25

Bank accounts are frequently used to transfer money from one account to another. Payer can issue a check in favor of a beneficiary to transfer the funds. It normally takes three to four days for a check to get credited in the beneficiary’s account.Many banks provide internet banking facility to

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Three Safe Ways To Keep Cash

2019/02/25

Holding too much cash at home can be a risky proposition for an individual. It is important for every individual to manage his/her cash properly in accordance with the amount of money that may be required to meet day to day expenditure. Cash may be used for purchasing grocery items, food, clothes, or for irregular purchases such as laptop, mobile

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Three Different Methods Of Checking Debit Card Balance

2019/02/25

Debit card is a facility provided by a bank to its account holders. Basic objective behind issuing a debit card is to provide extra convenience to the account holders in performing various banking related transactions. Moreover, debit card can also be used for making payments at retail outlets.Debit card

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How Does Chapter 7 Bankruptcy Help You Get Rid Of Debt

2019/02/25

In the present period of time where the economy has been hit and where job markets fluctuate with the blink of an eye, many people are increasingly finding themselves in financial trouble. Jobs are still being lost and the cost of living is on an upward spiral.Many people find themselves overwhelmed with debt because of losing their jobs, and they find

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Things To Remember Before Declaring Bankruptcy

2019/02/25

Bankruptcy is that legal status which is made avail to an organization or a person who cannot repay his debts to the creditors. Generally there are two types of bankruptcies. They are involuntary bankruptcy and voluntary bankruptcy. There are also various rules in a larger dimension with different angles for declaring bankruptcy.A Real Boon for

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How to Use the Ombudsman & Functions of Ombudsman

2019/02/25

Now that people are making much more money than they ever were before, they are looking to invest it in as many ways as possible. There is the added pressure of people from various institutions telling you how and why you should invest with them. In this case, it is very important for you to be able to take your grievances to someone if you think your

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personal-finance

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The Multiple Benefits That A Rented House Can Offer

2019/02/25

Who does not dream of own house where everything is according to your personal taste, but it is difficult to buy a house in metros as the property rates are sky high, so mainly the service class opts for a house on rent which they can choose according to their taste and within budget too.A rented house of your choice is easily available and there is no

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The Definition of Bank Statement

2019/02/25

An individual may perform numerous deposit and withdrawal transactions using his/her bank account. It becomes difficult for an individual to remember and keep  track of each and every transaction in terms of the amount and date on which a particular transaction was performed.For Instance, an individual may have made multiple withdrawals of an amount of $ 500 during a

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The Definition Of A Frozen Bank Account

2019/02/25

An individual may hold a bank account for various purposes. One of the objectives of holding a bank account is to keep money at a secure location. There are situations where an individual may not have made payments due to third parties.In such situations, creditors or debt collectors can obtain a court order to access the funds available in the defaulter

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The Advantages Of Electronic Payment

2019/02/25

With advancement in technology, we have seen concepts like B2B and B2C gaining importance throughout the globe. Most of the transactions are now conducted with the use of internet.Not only businesses, even individuals use online facilities and payment modes for their day to day purchases. Time is important to all of us. Nowadays we don’t need to go to

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Start Planning For A Financially Stress Free Retired Life

2019/02/25

Conjure a happy picture of your life post-retirement. Living a relaxed life free of worries with loved ones and having all the time in the world to indulge in activities that you missed out on earlier.Unfortunately, this picture turns scary for many Indians during the actual retirement period. Even

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Six Important Benefits Of Maintaining A Bank Account

2019/02/25

Almost every individual holds a bank account. Requirements for opening a bank account may vary from bank to bank. However, it is advisable to hold at least one bank account with a recognized bank.Over the years, bank account has become the preferred medium for receipt and disbursement of money. A bank account can be used

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Short Term Cash Advances & Tips for Starting Up a Payday Loan

2019/02/25

Are you falling short of cash to meet your immediate expenses? Do you have bills to clear but you aren’t going to be paid for the next two weeks at least? As a salaried individual, you may find yourself in situations where you fall short of cash before the next payday arrives.

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Short Term Cash Advances & Tips for Starting Up a Payday Loan

personal-finance

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Seven Important Advantages Of A Debit Card

2019/02/25

Debit card has become an important mode of payment for various expenses and purchase transactions. It can be used for conducting online transactions and for making payments at retail outlets or merchant shops. Debit card is generally issued by a bank where an account is maintained by the

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Risks Of Quitting Job To File Bankruptcy

2019/02/25

People overwhelmed with debt, often consider filing bankruptcy under chapter 7 as the best option for eliminating their debt burden. A bankruptcy court declares a person bankrupt only if it is satisfied that the current income of the petitioner is not enough to meet the debt payments

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Risks Of Quitting Job To File Bankruptcy

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Retirement Saving Tips

2019/02/25

Ah! The day of retirement, isn’t it the most awaited time for those who have spent their entire life working hard for their family?And when such time comes, old people usually looks forward for a well spent retirement vacation or live a life stress and worry free.Knowing that although

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Retirement Saving Tips

personal-finance

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Retirement Savings Calculator & Planning Advice

2019/02/25

Resolve All Financial Issues With Retirement Money Calculator! Does the thought of not having sufficient money after retirement terrify you? Do you feel you will not be able to save enough? Does your impending retirement give you night mares?

If such is the case with you, do not worry
! You

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Retirement Savings Calculator & Planning Advice

personal-finance

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Pros And Cons Of A Budget For An Individual

2019/02/25

A budget is prepared to estimate total income or total expenses which are expected to be incurred by an individual during the period for which the budget is developed. Let Us Discuss The Advantages and Disadvantages Associated With A Budget.Advantages Of A Budget For An Individuala) Basis for Comparison and Corrective Action:

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How Do Property Brokers Work

2019/02/25

Expanding size of the cities and growing population has created a special market for property brokers in not only metros but in B-grade towns too. Property brokers are really angels in disguise who help you to find nice house in your budget in an unknown city. It is not easy to find and get

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How to Choose The Best 529 Plan

2019/02/25

One of the best college savings plan in the USA is the 529 plan for meeting the higher education expenses of your child or ward. The plan gives many benefits to its investors such as assured money, tax savings, growth based etc.The plan is usually taken

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How to Choose The Best 529 Plan

personal-finance

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PersonalFN for Personalised Financial Planning & investment Planning

2019/02/25

Personal finance is is an asset control situation that arises when a person falls out of prejudice during the personal evaluation of career; this is a psychological explanation. A personal finance is a debt incurred by a person to stabilize the economical and pay back to win the pride and self esteem – this is an economical point of view. As a rule number one

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Personal Financial Planning

2019/02/25

Some people lives a messy kind of life, it is either they end up as a bum or a jobless person wondering what went wrong and why did he or she ended up jobless.It is not really a guarantee whether you have such a high paying job today, whether you live an extravagant kind of lifestyle; because whether you like it or not, without proper personal financial planning

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Guide To Understanding Personal Finance

2019/02/25

Earning money is hard, preserving and growing it is harder. Saving and investing are two crucial aspects of personal finance.While saving is primarily meant to meet emergencies, investments are planned and made to attain a goal.

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Guide To Understanding Personal Finance

personal-finance

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Online Personal Finance Software

2019/02/25

With all the convenient amenities that the Internet is offering to mankind nowadays, who wouldn’t be tempted to indulge and use it for his or her own convenience?The more reason that if you want to monitor your transactions for the past several months, all you have

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Online Personal Finance Software

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How To Save Money

2019/02/25

One does not need to be too frugal or is it necessary to deprive yourself of treats or rewards to be able to save money.Try the following money saving tips and see that you don’t have to scrimp and save just so you would not go short on budget. First step is to consider your expenditures

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How To Save Money

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Ways To Increase Your Savings

2019/02/25

Different people invest in many different things, whether it is the stock market, mutual funds or starting a business of their own.Some people who don’t know where to invest their hard

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Ways To Increase Your Savings

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What is Money Management & Advantages of Money Management

2019/02/25

Lots of couples that they are spending more than they are earning. You need to be very careful when you are spending money. Sit down together and discuss where you are both going wrong and why saving is so difficult.Firstly getting loans is very easy and you often take advantage of it. With the availability of so many

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Life Insurance Primary Vs. Contingent Beneficiaries

2019/02/25

Whenever you take  life insurance or open an account, you are generally asked to fill out beneficiary details. Your employer may also ask you to name the beneficiaries for your retirement saving plan. Though not mandatory, it is advisable to fill that information.By providing this information, applicant to an account or to an insurance policy

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How To Do Safe Online Banking

2019/02/25

Today’s fast life has made us look for shortcuts for everything in life and we have lack of time to spend on everything and we want to make every task quick and easy and safely too be it banking or any other work. SO let us check out how safe is online banking and how can we make it safer for ourselves?

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How To Do Safe Online Banking

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Everything You Need to Know About Your FICO Credit Score

2019/02/25

If you want to borrow, your credit score determines the amount of credit you receive and at what interest rate. Your FICO score is calculated from 300 to 850. A credit score of 720 or over shows an excellent credit rating. A score of 650 or less means, that your

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