Where can you invest a small amount of money? Real estate investment dispute

The question is often asked by novice investors. This question is not at all idle and requires a serious answer.

It happens that people simply do not realize the importance of this money, and the desire to increase it as soon as possible makes them embark on various adventures, which ultimately lead to the loss of this money.

Learn to save.

Strictly speaking, this question is the answer.

You need to invest 20,000 rubles in a financial protection plan.

Another thing is that this answer will seem boring to many and have little to do with real investments.

And there is truth in this. Financial protection involves conservative investment or lack of it.

We keep money either at home in a safe, or in banks with a high international rating of reliability on replenished deposits with the possibility of partial withdrawal of money.

Or we use the combination safe-deposit.

The rates of return on such deposits do not exceed 6% per annum in rubles and 2-3% in dollars or euros.

It is known that the official rate in Russia in different years can be 6-11%. Accordingly, it is necessary to compensate for these losses for your financial protection annually.

In some cases, you may need to complete a strong financial protection plan.

Your main task at the initial stage of capital creation is to learn how to save.

Where to invest 20,000 rubles when financial protection is created?

This is how to formulate this question more precisely.

To begin with, you need to determine the purpose of this money and the horizon when this money will be needed. The type of investment instrument depends on this.

Today in Russia for 20,000 rubles are available:

1) Russian mutual funds. I would also pay attention to the funds on the MICEX index.

2) Deposits in banks with a yield of up to 14% per annum.

With a yield of over 12%, this is a risky investment.

3) Trust management in a forex manager (). You give money to the management of those who trade on the forex exchange.

Very high market risk!

You can both increase very seriously and lose everything.

It is better not to use this option at the stage of the inception of your personal capital, no matter how attractive it is.

The Internet provides users with extensive opportunities for passive earnings. There are many ways to invest money on the web and get a steady income. The initial investment may be minimal. Our article will tell you where to invest a thousand rubles in 2019 so that they work for you constantly.

Since 2009, a special type of electronic money - cryptocurrency - has been circulating in the global financial market. This digital asset is a complex cryptographic code in exchange for goods and services. Cryptocurrencies are not related to the politics of states, the gold exchange rate and the volume of oil production. Their price rises or falls depending on real demand and stock speculation.

For passive earnings, it is enough to buy cryptocurrency, you can pay for it from an electronic wallet or bank account. Then you need to wait for the price change and resell the assets.

The beauty of cryptocurrency is that you don't have to buy a whole unit. For example, 1000 rubles can be invested in 0.0066666 (6) part of bitcoin. And if you invested one thousand rubles exactly a year ago, buying 0.025 bitcoin at the old rate, then today you would have 3750 rubles.

There are 739 types of digital currencies in use in the world. The leading positions in the market are occupied by:

• Bitcoin;
• Ethereum;
• Ripple;
• Litecoin;

1 bitcoin at the time of writing (July 2017) costs approximately $ 2,500, and in July 2016 it was worth $ 663. Bitcoin is currently at its peak, and this could be a signal for a further fall in the cryptocurrency. Therefore, it is better to buy a cryptocurrency for 1000 rubles when the price for them drops as much as possible. As a rule, a sharp rise in price occurs shortly after a decline. The dynamics of price changes can be tracked on the CoinMarketCap website.

Current Bitcoin exchange rate

Pros of using cryptocurrencies:

• speed of payments;
• small commission for operations;
• wallet anonymity;
• lack of relationships with banks.

Minuses:

• inability to pay with cryptocurrency at retail outlets in Russia;
• high risk of virtual fraud;
• strong influence of speculation on the rate of cryptocurrencies.

To accumulate a significant amount, it is not enough to invest 1000 rubles once. The cryptocurrency wallet must be replenished regularly.

Cloud mining

To mine cryptocurrency, it is not necessary to buy special expensive equipment (video cards, asic), you can also mine on your home computer or even on your phone. Income will be from $ 0.5 to $ 5 per month or more, depending on the capacity of your hardware. Therefore, if you want to earn more, you will need to buy at least a powerful video card or processor. It won't work for 1,000 rubles, but you will be able to rent capacity in the "cloud".

For $ 16.5 it will be possible to rent 110Gh / s for a year, after 5-7 months (depending on the Bitcoin rate) you return the invested amount, and then make a profit. In simple words, at a constant Bitcoin rate, the yield is 100% per year.

Three personally verified cloud miners:

• Genesis Mining;
• MinerGate.

Attention! There are services on the network masquerading as cloud miners (HYIPs). Such projects promise a high percentage of income, but at any time they can close and return the money invested will not work.

Bank account

A thousand rubles can be invested at interest with minimal risks, for example, by opening a deposit in a bank. Ruble or foreign currency deposit or open an impersonal metal account (OMS). The creation of a deposit account provides a constant income without effort on the part of the depositor.

Ruble deposit

You know in advance how much money you will receive after what period, you are also sure that you will not lose your investment. There are several options for nesting, here are the most suitable:

1. A deposit with the ability to withdraw and deposit any amount at any time.
2. Deposit with the ability to replenish, but without the ability to withdraw money.

When choosing a bank and a deposit, be guided by the amount of interest, conditions for early withdrawal, and give preference to deposits with monthly interest (capitalization).

Foreign exchange deposit

In this case, currency should be deposited into the account - euros, dollars, pounds sterling, yen or Swiss francs. If the exchange rate rises, the amount of the deposit will automatically increase, and if the exchange rate falls, it will decrease. The interest rate on a foreign currency deposit is always lower than on a ruble deposit.

Depersonalized metal account

The client opens an account not for money, but for one of the precious metals - gold, silver, platinum or palladium. Precious metals are not required directly; their cost is credited to the OMS. With an increase in the rate of precious metals, the amount of the deposit will grow.

Benefits of bank accounts:

• the ability to predict income;
• bank bankruptcy insurance;
• the confidence of the bank in the case of a loan, mortgage;
• the possibility of extending the deposit with the recalculation of the interest rate.

Disadvantages:

• low profit;
• the inability to speed up the accumulation process;
• often inflation is higher than the interest rate;
• lack of insurance for compulsory medical insurance.

Purchase and resale of small goods

A great solution for people with a commercial streak is to buy small things on the Aliexpress marketplace and resell them in their city. By investing only 1,000 rubles to buy a small product, you can get a wholesale price from the seller. And the markup can be 100%.

Alternatively, you can resell:

• vapes;
• flash drives;
• phone cases;
• charging device;
• protective films for phones;
• small toys;
• spinners.

For example, a spinner on Aliexpress costs 40 rubles, and in real stores it costs 100-150 rubles. If you buy for 1000 rubles. 25 spinners and resell them for 70-80 rubles. per piece, the profit will be 80%. Wholesale purchases on the Internet provide savings and increase profits 2-3 times more than invested. You can sell small goods on the resources of Avito, Yula, in social networks, as well as to friends and acquaintances.

Pros:

• quick income;
• the ability to independently determine the price;
• minimum tax.

Minuses:

• search for buyers;
• the need to advertise the product.

Lack of entrepreneurial skills can lead to failure.

Foreign exchange markets and exchanges

A small amount can be gradually increased thanks to financial transactions with currencies and securities. Here are the most relevant resources where you can invest 1000 rubles and make a profit.

Forex market

It is an international financial resource for currency exchange. Investors receive income from the difference in rates. To work in Forex, you need to register a trading account. Then a currency pair is selected - 2 currencies of different countries. Buying one currency at the peak of a fall in its rate and exchanging it for another at the time of an increase, you can get income from the price difference.

PAMM

This is an investment in a currency trading account. All financial transactions are carried out not by the investor himself, but by the trader. Operations with PAMM bring up to 9% profit per month, but the income will have to be shared with the trader. If the trader's deals are unsuccessful, both partners lose funds.

Mutual fund

The term "mutual fund" refers to collective investments in a mutual fund of bonds, stocks and other securities. Shareholders make investments, but the fund is run by a management company. The profit can be up to 35%, but it is irregular, as it depends on the success of the company.

Binary options

This is a way to trade off-exchange - currency pairs, securities, commodities. Investors place bets on the value of a particular asset. With the right rate, you can get up to 80% profit. Binary options differ from Forex in the ability to calculate risks.

Benefits of financial transactions:

• quick profit;
• the ability to entrust transactions to experienced traders;
• small amounts for opening an account.

Disadvantages:

• high level of risk;
• the need to have experience and knowledge in the financial sector;
• Forex and binary options are not passive income, you need to regularly monitor the situation.

The least risky method among the listed is considered to be making money on binary options.

P2P lending

In our opinion, the most interesting way to invest 1000 rubles on the Internet! There are online financial portals where users provide each other with short-term loans of small amounts at interest. Examples of resources for P2P lending:

After registering on the portal, the lender can independently assign the loan amount, interest and repayment terms, choose the borrower, having previously checked his credit history. Lending brings, on average, 15 to 36% of profit on a monthly basis.

Advantages of the method:

• stable income;
• rapid growth of fixed assets;
• no need for special training and experience.

Disadvantages:

• the risk of non-payment of debt by the borrower;
• legal costs for debt collection.

P2P lending is considered one of the most passive and safe investment methods.

Startups

In business, new developing projects are called startups. Their financing is often carried out at the expense of investors' investments. There are 2 ways of investing in startups - crowdinvesting and equity exchanges.

Crowdinvesting

This is a collective investment of many investors to launch a commercial project. As the project develops, each investor receives a certain share of assets or shares. A type of crowdinvesting - a young company borrows money from depositors, returning the debt with interest after the project has stabilized.

Equity investment exchanges

This is a special site where you can buy an investment share in a developing project. The exchanges use 2 methods - the primary purchase of shares directly from startups and the secondary acquisition of shares from other investors through bidding. The depositor's profit comes from dividends from the purchased share. An example of a site where it is easy to find a project for investment is Simex.

The advantages of investing in startups:

• the possibility of investing small amounts;
• reducing risk by investing in different companies;
• wide range of projects.

Minuses:

• project closure due to insufficient number of contributors;
• commercial failure of the project;
• the risk of fraud;
• bankruptcy of the exchange.

It is safer to invest in startups using exchanges, since legal security is guaranteed to users on them.

Controversial investment options

Consider 5 more options for investing money on the Internet that can bring income. They are considered controversial because they involve certain difficulties.

Business online

This is investing in the development of websites, online stores, social media communities. For 1000 rubles, it is quite possible to buy a small community on a social network or a simple online store. But it will be an investment in a tool with which you need to work, spend time, learn new materials.

Pros:

• the ability to work from home or while traveling.
• no expenses for renting premises, staff salaries.
• legal registration after reaching a stable income.

Minuses:

• time spent on advertising and website design;
• payment system commissions;
• the need to organize delivery;
• the need to learn about search engines and internet marketing.

Domain investing

The amount of 1000 rubles is enough to multiply by investing in the purchase of a domain - a website address. One domain in the .RU zone costs about 100 rubles.

In the future, the domain can be resold for an amount that is many times higher than the initial cost. Short and beautiful domain names in professional zones cost tens of thousands of dollars.

Here are the top 5 most expensive domains on runet:

1. sms.ru - $ 550,000
2. Casino.ru - $ 250,000
3. People.ru - $ 90.000
4. 2014.ru - 2.5 million rubles
5. Hi.ru - $ 80.600

In order for a domain to be in demand, you need to come up with a name that will be available for registration and relates to a specific business, service or topic in demand.

Pros:

• the ability to start with minimal investment;
• significant income.

Minuses:

• annual name renewal fee;
• time and effort spent on niche research;
• long-term profitability.

Investments in precious metals

Using the WebMoney Transfer Gold system, you can open an electronic gold wallet. Unlike the CMC described above, there is no need to pay income tax when selling gold. The minimum investment has not been set, therefore, for 1000 rubles, you can purchase a certain amount of wmg - the currency unit of the portal. The funds of the gold purse are equivalent to 995 gold. You can buy electronic gold by bank transfer or from an exchange-exchange. The growth of the gold rate according to the quotations of the London Metal Exchange causes an increase in the value of the deposit.

Pros:

• inflation protection;
• the speed of processing the purchase of gold;
• no taxes.

Minuses:

• webmoney commission;
• slow income growth.

Gambling and lottery

It is difficult to call this method an attachment, but maybe you are lucky in life and this is your option.

Online casinos offer many slots, roulettes, tournaments, wheels of fortune. If you develop your own strategy for the game, you can win large sums from time to time.

Pros:

• Possibility of a one-time big win;
• Lack of complex programs;
• No special training required.

Minuses:

• high risk of fraud;
• the likelihood of an account being closed by the casino administration without explanation;
• the emergence of gambling addiction.

And remember, in a casino, like in a lottery, there is always one winner, this is the owner of this casino.

HYIPs

Hyping is a type of pyramid scheme in which an investor makes a profit through the infusion of new investors. In most countries, this activity is recognized as a fraudulent activity. Most of the HYIP projects now operate on the Internet, speculating with electronic currencies. While new financial injections arrive, the participants in the pyramid receive high interest on the deposit.

Pros:

• big profit;
• high rate of income generation;
• knowledge and experience are not required.

Minuses:

• illegality and lack of legal support;
• termination of the entry into the project of new participants;
• inability to predict income;
• short term of the project.

The legal type of hype is MLM, multilevel marketing. This is reselling products and getting bonuses for referring new sellers. This activity cannot be called passive earnings, since the investor has to conduct commercial activities.

Conclusion: where is it more profitable to invest 1000 rubles

To invest money with the maximum effect, you need to thoroughly study 3-4 investment options, choose an Internet resource with a good reputation and start with a small investment.

Even more interesting

Whichever side you look at, 10,000 rubles is a small amount of money. For many people, even the monthly income is much higher than this mark, since salaries of 20,000-30,000 rubles are no longer a rarity. At the same time, it will be a shame if you have this amount of money available, and it will just lie there, not bringing any benefit.

Let's find out where to invest 10,000 rubles so that they give a certain profit, or even better, double and turn into 20 thousand rubles of income in the shortest possible time.

Bank deposit

The most reliable way to save your small capital and even increase it a little is to invest in a bank deposit. The problem is that bank interest rates are relatively low. At the moment, it is unlikely that you will be able to place an investment on a deposit in a bank for more than 15-20% per annum.

That is, in order for ten thousand rubles to turn into 20,000, you will have to wait at least 4-5 years, and we initially set a goal to find ways to quickly increase funds.

So this method is rather suitable not for those who are looking for real ways to increase their small capital, but for those who simply want to keep their savings from inflation, not knowing where to invest them.

Microcredit

You can also lend your money to a private person at interest. This is much more profitable than investing in a deposit account with a bank. Now interest on microcredits reaches 300% per annum and even exceeds this figure.

So it is quite possible, using this investment tool, to increase your 10 thousand rubles to 20 thousand in just a few months.

But a natural question is brewing: why do people take microloans at such high interest rates, if they can get a loan at a bank at a much lower interest rate? There can be many reasons for this:

Bad credit history;
lack of official sources of income;
other reasons why the bank refuses a loan;
fraud.

Associated with these factors is the negative side of microcredit for the lender. Even if a person taking a loan does not initially pursue fraudulent goals and plans to return it, then due to a number of objective factors he simply cannot do this.

It is not for nothing that microloans are taken mostly by people from the risk group, which is why there is such a high percentage of defaults on them.

Therefore, before issuing a private loan to someone, you do not need to flatter yourself with high interest rates, but carefully calculate all the risks, since there is a high probability that you will not receive not only interest, but also the body of the loan itself.

In addition, if you do not properly register your activity, you may be in trouble with the law.

Investments

You can also invest 10 thousand rubles in stocks or other securities. But the problem is that, due to the limited amount of money, many types of investments will simply be inaccessible to you, because some large companies do not even regard such small savings as investments.

However, if you are lucky and you can invest in a young and promising company that will be able to achieve impressive results in the future, you have every chance to recapture your investments with great profit.

In addition, you can invest in HYIP projects. These are projects that work on the principle of the MMM pyramid, only on the Internet, and in a short time promise to the investors a significant increase in funds. The opinion that they are all fraudulent without exception is wrong.

Indeed, all these projects sooner or later fall apart, but if you understand the laws of the life cycles of the pyramid, know when to enter the project and when to leave it, then it is quite possible to invest your funds.

HYIPs are designed just for depositors with small savings, and our 10 thousand rubles are ideal for investing in such a project. If you have the necessary knowledge, this amount is likely to turn into 20,000 rubles in one month.

But you should not forget about the high risk of losing funds when you are dealing with HYIPs. So before investing money in a HYIP, think carefully about whether you have enough knowledge so as not to be left out in the cold.

Forex

With ten thousand rubles, you can also try to start your own Forex trading. Of course, it is better to start it with larger amounts, for example, from 20 thousand rubles, since when trading with small amounts there is a rather high probability of "sinking". But with a sum of less than 10,000 rubles, it is extremely dangerous for a beginner to open a deal.

You can also try investing your funds in PAMM accounts, but, unfortunately, not all leading traders work with such small amounts.

Bookmaker bets

If you have a solid enough knowledge of sports and are strong in the theory of probability, then you can professionally make money on bets. Of course, it is better to start with less than 10 thousand rubles, but if you develop your strategy and it will allow you to achieve positive results, then over time, bets on such amounts will seem commonplace.

Of course, if there is no great luck (which you cannot rely on in this matter), you are unlikely to immediately raise a profit of 20,000 rubles from one bet, but, in general, you can get a good income.

General summary

It must be said that the main disadvantage of investing 10,000 rubles is the limited investment opportunities, since some large companies and projects simply refuse to work with such amounts.

If you want to increase your capital in a short time and turn your investments, for example, into 20 thousand rubles, then this is also fraught with rather high risks. I also recommend reading about profitable and reliable investments.

12.12

The best personal investment opportunities for everyone can be found on the blog site. With us you can easily answer the question of where to invest 20 thousand rubles.

The information on the site is intended for those who do not yet have relevant experience, but who would like to start receiving passive income. For all those planning to start working with investing finance, the Internet resource site offers to study this type of investment as trading accounts. If you are faced with the question of where to invest 20,000 rubles or less, this option is what you need!

What are trading deposits and how do they work?

There is a convenient way of investing, which is distinguished by a high degree of security and convenience for the client. This is an investment in trading accounts. A trading deposit is a joint deposit opened by a broker to work with the capital of several clients at once. On this account, he puts his own funds, as well as the amounts that the clients have agreed to invest.

Working with this account, the trader makes short-term investments. The received profit is divided among all owners of assets, depending on the amount of initial contributions. So, an investor who owned 20% of the amount will receive 20% of the profit, and the one who invested 60% - respectively 60% of the profit. The trader also receives his share of the profit plus commission.

Among the advantages of this type of investment:

1. High passive income.
2. The ability to withdraw funds and replenish the account at any time.
3. The ability to split money between multiple accounts to reduce risks.
4. A high degree of control over the actions of the trader.

Do you think where to invest 20,000 rubles with the least risk and the greatest profitability? A trading deposit is the best choice .. Here you can find professional advice on where to invest 20 thousand rubles, company ratings and personal experience of investors.

You will learn where it is better to invest 100,000-200,000 rubles in order to make a profit, which investments are the most promising today, how to invest money and not go bankrupt

Hi everyone! With you is the founder of the magazine "HeatherBeber" Alexander Berezhnov.

Today we will talk about profitable investments in conditions of economic instability and find out which areas of financial investments are the most profitable at the moment.

The article will be useful for novice entrepreneurs, moneymakers (specialists in making money on the Internet) and everyone who wants to increase their capital in the safest and most profitable way.

So, let's begin!

1. How to invest in rubles - principles of profitable investment

Surely you have repeatedly asked such questions: why do some get rich, while others live from paycheck to paycheck and constantly go into debt? How are the rich different from the poor? Why do some people know how to generate stable income, while others do not?

We assure you that it is not only about the talents and increased efficiency of people with wealth. They just know how to better manage their assets. The starting data for the rich and the poor are in many cases the same, but the approach to material and spiritual resources for both is radically different.

People who are accustomed to constant poverty and debt do not direct their attention and energy in the right direction. But citizens with a different mindset create assets that help them radically change their lives.

The long-term goal of any cash investment is to create passive income and free yourself from financial slavery. This means that you do not have to work “for your uncle” 40-50 hours a week for a fixed salary that does not even meet your needs by a quarter.

In one of our previous publications, we already wrote about that - read it.

Having made a successful investment once, we receive permanent dividends that do not depend on our labor costs and are characterized by constancy and stability. Such income can be quite substantial: their main advantage is that they free up your personal time.

Time is the main asset of a person, which cannot be returned back, but it can be used right now with maximum efficiency. It is investment that can give us more time for life, love and creativity.

For investments to do their job, they must be literate. In this section, we will reveal the main principles of profitable investments and explain how to invest 100,000-200,000 rubles with minimal risk.

Practitioners and Profitable Investors provide the following advice:

• invest only "free" money in investment projects. First, you need to create the so-called " financial cushion»- a supply of money that, in the event of a delay in payments or an unsuccessful scenario, will provide the usual standard of living for your family for several months;
• follow the principle of deposit diversification. It sounds complicated, but it really means a simple truth - you shouldn't put all your eggs in one basket. Divide your financial contributions in different directions;
• control risks. Before making a contribution, calculate your chances in detail and do not make hasty decisions. It is better for novice investors to choose the most conservative financial instruments;
• attract partners (co-investors). If your money is not enough for a profitable deposit, you can create a team of shareholders or an investment pool. The larger the investment, the more reliable opportunities.

These are basic and rudimentary principles, but they will help you avoid the typical beginner blunders and save your finances, nerves, and energy.

And don't expect too quick results. Investments pay off at different rates: before commissions are credited to your account, sometimes it takes several months or even years (if the investments are long-term).

2. Where to invest 100,000-200,000 rubles for a month or more to earn interest - TOP-7 most profitable ways to invest

100-200 thousand rubles is quite a decent amount for investment. Experts advise making deposits thoughtfully and competently.

It is advisable to divide the amount of deposits into several parts so that your investment portfolio is as resistant to market fluctuations as possible. If you place your money in 3 different investment areas, you will be well insured against drawdowns and force majeure circumstances.

And now - specific ways of investing, the most profitable, reliable and promising in modern economic realities.

Method 1. Investments in Internet projects (sites, blogs, online stores)

Making a profit through the worldwide network is an actual area of \u200b\u200binvestment, a niche that is worth occupying right now, while the competition in this area has not yet reached its peak.

The Internet is one of the few sectors of the economy that is in a growing trend, despite the economic instability.

You yourself can be convinced of this fact by watching how rapidly social networks, online projects, and applications for mobile devices are developing.

To successfully invest in internet projects, you do not need to be well versed in digital technology and programming. Basic financial literacy, basic knowledge of marketing - that's all you need to create passive income online.

The HeatherBober.ru resource you are currently visiting is a typical example of a successful capital investment in an Internet project. But we warn you in advance that you should not expect instant financial results from your own website.

Investments in the amount of up to 200,000 rubles will begin to generate income, at best, six months after the launch of the project. The main income for site owners comes from advertising or direct sales.

In the first case, the maximum profit is brought by information portals with a large audience of readers, in the second, the profit is formed by the sale of goods and services through an online store.

The most cost-effective product to sell online is information products. Disks, programs, files, books, which are sold to everyone for money, are sometimes quite decent. These can be trainings, courses, video and audio content. Such products are created once, and if they are successful, they are sold hundreds and thousands of times.

In general, there are a lot of ways to make money on your own website.

Here is just a rough list of Internet business areas:

• selling links;
• work on partner programs;
• sale of contextual advertising and places for banners;
• writing advertising articles;
• infobusiness.

The area of \u200b\u200bactivity on the Internet is still vast and fertile. It is not always possible to achieve passive income immediately, but the long-term prospects for such investments are very definite.

Method 2. Deposits on bank deposits

Bank deposits are a popular and reliable way to save money. True, one should not expect big earnings from deposits in rubles at the current inflation rate.

Therefore, investors are advised to use this method as an auxiliary tool, using bank deposits as a kind of insurance against force majeure in other investment areas.

Good news for super-cautious investors in the Russian Federation: deposits of up to 1 million 400 thousand are subject to compulsory insurance. This applies to all financial institutions operating under an official license.

For investments, we advise you to choose large banks with an impeccable reputation. In the Russian Federation, Sberbank is traditionally at the top of popularity, but you should know that this institution has one of the lowest interest rates on deposits of individuals.

It may be worth considering the option of exchanging rubles for currency and making a contribution in euros or dollars, thereby neutralizing the effects of inflation and devaluation.

The advantages of bank deposits are obvious:

• low risk and high reliability;
• fixed percentage of income;
• the ability to return funds to your pocket at any time;
• availability and ease of management (almost all large banks provide users with the ability to remotely manage accounts and cards through their personal account).

The disadvantages are also clear - relatively low income, loss of interest rates in case of early zeroing of the deposit.

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