Funding Portfolios Replace, November 2021


That is the primary replace in a few months. I used to be sick for a few weeks in the beginning of October, then touring for the remainder of the month so simply didn’t get round to sitting down and writing an replace for October. So I apologize to anybody who was ready for the replace that by no means got here.

General nothing out of the atypical occurring with any of the funding portfolios in September/October.

The Peer to Peer lending Portfolio revenue was down in October to £277 after a greater than common month in September of over £1,100. That is due primarily to the property values with Assetz Change reducing a bit after they introduced a extra everlasting cap on costs, and revenue from a few platforms which have variable month-to-month incomes had been additionally down a bit. I’m nonetheless undecided tips on how to observe the Assetz Change information because it’s the one P2P platform I take advantage of the place property values can go up or down in addition to rental revenue coming in each month and clearly it impacts the general portfolio considerably when property costs fluctuate. I’ll hold taking a look at it and see if I can change issues to be extra revenue reflective.

The Crypto Portfolio has screamed up during the last couple of months ending October with nearly $40k in revenue. That’s inside 3 months from being down $15k+ in July. Loopy unstable however I’m not complaining 🙂

Progress Portfolios bought off a bit over September & the start of October however had been nearly again to their highs by October thirty first. Every thing inside regular ranges although. 10% pullbacks in these portfolios are completely regular.

I’m nonetheless within the strategy of constructing the Whisky Portfolio so extra on that beneath.

With that, we’ll transfer on to the person portfolio updates.


The knowledge beneath is comprised of my opinions on present funding market situations and my private actions with my investments. It shouldn’t in any manner be construed as monetary recommendation. Please do your individual analysis earlier than making funding choices and don’t base them solely on what you learn on this web site. Please learn my full disclaimer of extra info.

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Peer to Peer Lending Platforms & Portfolio Replace

Whole Peer to Peer lending funding decreased a bit from £196,912 in September to £190,857 on the finish of October. This was resulting from me withdrawing some cash from Assetz Capital and Loanpad to take a position into the Whisky Portfolio, and I additionally pulled some out for some new offers which can be coming in November from Asset Change. General XIRR is down only a bit to five.41% as a result of the decrease revenue and likewise I believe a few of the platform charge decreases are affecting it. My technique transferring ahead is to try to improve that by transferring some funds to greater paying investments with out compromising security by a big quantity. All lending figures can be found on the Monitoring sheet within the Peer to Peer Lending Portfolio.

In October I added just a bit extra capital to CrowdProperty to carry repaid capital to a spherical quantity for a brand new mortgage funding, and likewise added capital to Assetz Change which introduced out a brand new charity mortgage, so I needed to have a few of that.

Aside from that, it was a really quiet couple of months in Peer to Peer lending, with every part else nearly regular.

You possibly can at all times see the reside Peer to Peer Lending Portfolio information right here >>

Particular person Peer to Peer Platform Updates 

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Ablrate once more introduced a pair extra good loans in October. I’m definataley going to start out transferring some extra capital over there if I can get time to do the due diligence. In all probability in regards to the highest paying platform on the market proper now for GBP investments.

Here’s a view of my Ablrate account because it stands on the finish of October 2021.

Ablrate Screenshot 1 - Novermber 2021 Investments Update

The identical 2 loans have been on maintain for a number of months now as a result of firm property being liquidated. Hopefully that will probably be finished quickly so we will get our capital again. It’s not a lot capital funding for me although so I’m not too apprehensive about it.

There’ll at all times be defaults with greater danger loans like can be found on Ablrate. The factor to observe is how they’re handled by the platform. Ablrate have an excellent observe file of recovering funds upon default, though in fact this may take a very long time. I’m joyful on this case that with each loans I had risked little or no capital.

Ablrate Loans Screenshot 1 - Peer to Peer Lending Update July 2021

My Ablrate Technique.

There are some nice returns obtainable via Ablrate for those who’re keen to place the time in to do the analysis and purchase the perfect loans. As much as 15% every year. Probably the greatest charges of all UK Peer to Peer lending websites.

For some it will likely be completely well worth the effort. For me with my “Lazy Investor” perspective, the time dedication required exceeds my enthusiasm in the meanwhile. Which will change within the subsequent few weeks, however for now I don’t have the time to diversify a big quantity of capital in the best way I would love.

For those who do have the time to spare, Ablrate are the most effective paying lenders on the market so far as returns go. The truth that they’re nonetheless round after the pandemic additionally has to say one thing about their enterprise mannequin and the saftey of the platform.

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Assetz Capital Cashback Logo

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Assetz Capital nonetheless seem to have an extra of funding capital so they’re engaged on getting new loans in. There’s a wait to get invested even within the Entry Accounts.

Resulting from this I made a decision to withdraw some capital from the ‘Entry Accounts’ and use it for different investments. 4% shouldn’t be a fantastic return on it’s personal, so to place it with a bunch of money drag is simply not an possibility for me.

I’ll reevaluate my investments with Assetz Capital as soon as they filter out the backlog of funds and difficulty some new loans. They’re an excellent firm however they should get some new loans on board shortly.

Right here’s what my Assetz Capital account seems to be like now: 

Assetz Capital Screenshot 1 - November 2021 Investments Update
Assetz Capital Screenshot 2 - November 2021 Investments Update
My Assetz Capital Technique.

If Assetz Capital can get extra loans obtainable to allow them to hold capital invested and cut back money drag, I’ll haven’t any issues transferring more cash there. For now although, it’s pointless investing extra as there would doubtless be money drag whereas it’s ready to be invested.

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CrowdProperty are once more exhibiting 18 new loans resulting from be funded for November. Each month now it appears to be round this quantity get funded, all in below 1 minute (extra like 3 seconds on most).

I despatched over a bit extra capital to CrowdProperty however solely to make up a reinvestment quantity to a spherical quantity so I might make investments it in a brand new mortgage.

The one factor I’m not liking about CrowdProperty proper now could be that they’re nonetheless placing a few of the smaller loans up for auto-invest solely. This implies they don’t seem to be permitting us to self-select them. The difficulty with that’s their auto-invest will solely make investments a most of 20% of the worth of our auto-invest accounts in to any single mortgage, after which there are often so many buyers ready to get in that you just principally don’t even get that a lot invested. So what which means is; if you wish to get an affordable sized funding into any mortgage via auto-invest, it is advisable have a bunch of money sat there not making something whereas it’s ready to be invested.

Aside from that although, CrowdProperty are the bees knees and I can nonetheless get invested the capital I would like via choose make investments.

The XIRR jumps up and down with each CrowdProperty and Kuflink as returns solely usually come again when loans are repaid, so it’s not a straight revenue line like Loanpad or easyMoney. Earnings is erattic as you may see from the lender spreadsheet within the Peer to Peer Lending Portfolio.

Listed below are loans which can be coming in November (one is already up for funding so not proven on this screenshot):

CrowdProperty Screenshot 2 - November 2021 Investments Update

Right here’s a screenshot of my CrowdProperty account on the finish of October 2021.

CrowdProperty Screenshot 1 - November 2021 Investments Update
My CrowdProperty Technique.

My technique for the reason that starting with CrowdProperty is to take a position £500 into nearly each mortgage they’ve for good diversification. If the LTV is low, and it’s a tranche 1, I’ll make investments £1000. I perform a little due diligence on every mortgage earlier than it goes reside. Every now and then I see one thing I don’t just like the look of and I don’t spend money on that individual mortgage. I’ll usually look carefully at greater degree (numbers) tranches and move over a few of them at instances. General although, that occurs very occasionally so it’s just about £500 or £1000 into every mortgage.

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easyMoney was one other new funding for me in April. I wrote extra intimately about them in the Might replace.

One of many issues I like about easyMoney is, like Loanpad, revenue funds are at a set charge every month so it doesn’t change a lot. In contrast to different platforms which solely see returns when a mortgage will get paid again in full. Every month you may usually guess on (inside a couple of blips) of what the revenue will probably be with easyMoney.

The speed drop as of September 1st is beginning to present now with the easyMoney account XIRR dropping a bit to five.53%. Nonetheless nicely above Loanpad although, with a observe file simply pretty much as good, so can’t actually complain. General I’m nonetheless very pleased with this funding.

Right here’s my easyMoney account info for the tip of October, 2021. You’ll notice there’s a vital quantity ready for reinvestment. Sometimes goes pretty shortly although however I’m keeping track of it.

For anybody ready to take a position, it seems to be like they’ve cleared on the market backlog of funding capital (doubtless as a result of charges dropping a bit), so funding ought to be a lot sooner now. My reinvestments are solely taking a couple of days. Nonetheless takes a bit longer for brand spanking new investments however not prefer it was.

easyMoney Screenshot 2 - November 2021 Investments Update

Right here’s a screenshot of the easyMoney Dashboard

easyMoney Screenshot 1 - November 2021 Investments Update

My easyMoney Technique

There’s no actual technique required for easyMoney. Simply deposit your capital and begin incomes curiosity. There’s actually nothing else to do.

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Funding Circle

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No change with Funding Circle this month. Simply withdrawing capital because it’s repaid as there isn’t a choice to reinvest presently.

I withdrew £318 from month-to-month repayments in October.

Right here is how my Funding Circle account seems to be as of October thirty first. My present calculated XIRR is exhibiting 3.43% return versus their 4.1%

Funding Circle Screenshot 1 - November 2021 Investments Update
My Funding Circle Technique.

I’ve been drawing down my Funding Circle account since July 1st 2019 – attempting to promote out and get my capital again after occasions that unfolded in 2019. You possibly can learn extra about it within the Funding Circle Assessment. There’s additionally no choice to spend money on Funding Circle presently as they don’t seem to be accepting funding from retail buyers.


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Dependable Kuflink once more over £200 revenue for October. It was over £340 in September from a pair greater than standard loans paying again. With over £51k invested in Kuflink now, that’s over 25% of my total P2P lending portfolio. I’ve no worries in any respect that it’s protected with Kuflink as I’ve been investing with them for a number of years. I really like the platform & really feel that it’s one of many safer lenders, nonetheless issues can change quickly within the P2P asset class so I’ll hold it round 25% simply to be protected.

Kuflink is the one platform now (that I can discover) providing loads of loans, liquidity if wanted (loans promote in a short time on the secondary market) and nonetheless 6.50%+ actual common returns. So I’ll take a bit extra danger with them than I often would.

Kuflink XIRR at a strong 6.52%. Superb contemplating that many different different platforms are sub 5% with some at 4% now.

The opposite factor to level out right here; my ISA additionally has £10k in it and the return on that received’t present till it’s paid again in April as returns are paid yearly, so I’ll guess it places the general XIRR nearer to 7% as a result of I’m together with the £10k within the total XIRR quantity now however not the return on the ISA .

That is how my Kuflink account seems to be on the finish of October, 2021:

Kuflink Screenshot 1 - November 2021 Investments Update

Out of a complete of 78 loans I’ve with Kuflink, solely 3 are delayed, and that’s as a result of they’re all awaiting delayed supplies or ending up the event late. We nonetheless earn curiosity for delayed loans, so I actually don’t thoughts. All the different loans are performing with on time funds & on the right track completions. Excellent!

As talked about earlier, one other factor I like about Kuflink is that you just don’t have to be close to your pc at a sure time to get in to most loans. They carry so many to the desk, there may be at all times a strategy to get capital invested with good diversification.

Listed below are presently obtainable loans (as of 2nd November):

Kuflink Screenshot 2 - November 2021 Investments Update
My Kuflink Technique.

As capital will get repaid, I proceed to reinvest round £500 into nearly each mortgage Kuflink brings with an LTV over 50% (offering I’ve capital obtainable in fact). For loans with LTV’s below 50% & first authorized cost (& often tranche 1), I usually make investments £1000. As with CrowdProperty I perform a little due diligence and if I see one thing I don’t like, then I don’t make investments. That doesn’t occur usually although as Kuflink do nice due diligence themselves, so it’s just about £500 or £1000 into each mortgage.

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LendingCrowd Cashback

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No adjustments. Simply withdrew a bit capital which was paid again.


I made a decision to retrieve capital (the place attainable) from lenders who’ve unsecured loans to cut back my total publicity to Peer to Peer lending when the pandemic hit. Though LendingCrowd do have some secured loans, many simply have administrators private ensures. Traditionally, attempting to get better from simply these private ensures has been hit or miss. So, I made an early resolution to withdraw my capital.

I used to be capable of promote about 75% of the loans as I used to be early to start out promoting in March 2020.

Repayments have nonetheless been coming in slowly for the final yr and LendingCrowd are presently lending solely via the UK authorities backed CBILS scheme and as such are usually not accepting new capital from retail buyers. Hopefully when issues get again to some type of normality, LendingCrowd will open its doorways to retail buyers once more.

Here’s a screenshot of how my account seems to be presently

Lending Crowd Screenshot 1 - November 2021 Investments Update
My LendingCrowd Technique.

As talked about beforehand; LendingCrowd are presently lending solely via the UK authorities backed CBILS scheme and as such are usually not accepting new capital from retail buyers.

As quickly as they begin accepting investments once more, I’ll decide on if & when to extend my funding once more with LendingCrowd.


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Loanpad introduced they grew to become a worthwhile platform in June 2021 after tripling their mortgage ebook within the prior 12 months. That is no shock as they’ve actually been killing it for the reason that pandemic uncovered plenty of the opposite platforms weaknesses whereas Loanpad didn’t miss a beat so far as liquidity or defaults. Many buyers took discover of this and really feel protected with their capital invested in Loanpad (as I do).

I’ve began to make use of Loanpad nearly like a financial institution (it’s not a financial institution although keep in mind and has danger of loss clearly, as capital shouldn’t be lined by FSCS insurance coverage). I principally have most of my Loanpad invested funds (each customary & ISA) within the Premium Account at 4% which requires a 60 day discover interval with a purpose to get capital out. However then I’ve been transferring some quick time period capital (that I take advantage of for day after day stuff & investments) again and fourth as I would like it between my “actual” checking account and Loanpad’s Traditional Account which permits prompt entry (below regular market situations). Why not make 3% on capital I’ll want quickly, however not proper now? Banks are usually not paying diddley. It solely takes a day to maneuver it from Loanpad to my financial institution so offering I plan issues accurately I don’t see why this isn’t a good suggestion. Reveals the belief I’ve in Loanpad.

Here’s a screenshot of how my Loanpad accounts (customary & ISA) regarded on the finish of October 2021 (nothing in traditional now as I simply moved it)

Loanpad Screenshot 1 - November 2021 Investments Update
Loanpad ISA Screenshot 1 November 2021 Investments Update
My Loanpad Technique.

There’s probably not any technique mandatory with Loanpad. Simply deposit your funds, select your account & finished. Nothing extra you are able to do even for those who needed, it’s all taken care of for you behind the scenes. In fact 3% or 4% aren’t big returns so far as some P2P platforms go, however I imagine they’re in regards to the most secure lender on the market for the danger/return and that’s the explanation they’re one in every of my largest lending accounts by worth.

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Money drag obtained a bit bit worse once more in October. At first of the month there was over £500 sat in money, however by the tip it was all the way down to £348 so hopefully that’s an excellent signal.

Even with money drag, Unbolted are nonetheless averaging nearly 8.5% returns, so actually can’t complain.

Unbolted are a fantastic lender and I really like the truth that they don’t seem to be actual property property loans. Simply one thing completely different to diversify into & they’ve a fantastic observe file.

In case you’re unfamiliar; Unbolted supply pawnshop type loans to most of the people with very liquid property. Most of these property will be bought in a short time upon default so the demand for Unbolted loans exceeds the obtainable loans.

I’ve been lending with Unbolted for a number of years now, and though there have been many defaults, property have at all times bought at greater than the excellent mortgage precept and I’ve at all times been paid again each precept and curiosity in a short time. Loans are quick to medium time period in nature so a whole exit will be had by turning off auto-invest inside 3 to 12 months.

Sadly the one downside with Unbolted is it’s tough to get capital invested as a result of they’ve so few loans now, and too many buyers with plenty of capital ready to get in.

Right here’s a screenshot of my Unbolted account because it stands on the finish of October, 2021.

Unbolted Screenshot 1 - November 2021 Investments Update
My Unbolted Technique.

I’ve at all times simply gone with auto-invest via Unbolted. Merely deposit funds, arrange the auto-invest & that’s it.

I might fortunately make investments extra capital if I might get it invested with out the money drag and good diversification. I actually love the platform and I’ve been lending with them for a very long time now.

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EURO Lenders Replace

I’ve been drawing down my Euro investments slowly as as a result of I reside in Portugal a few of the time, after I’m right here I reside on Euros. So I’ve been utilizing the Euros that I’ve invested in Euro Lenders for dwelling bills.

Sometimes I might change US {Dollars} or GB Kilos for Euros, however the Euro has been rising quickly lately in opposition to the USD, and the GBP has nonetheless not recovered absolutely from Brexit. So I made a decision to make use of the Euros I’ve earlier than altering extra at this excessive charge within the hope it comes again down quickly.

When you have Euros to take a position and are searching for concepts. There are a couple of Euro Lenders which have come via the pandemic and appear to have been largely unaffected, particularly SwaperPeerberry & Robocash have all finished what they’re speculated to do. I’ll spend money on these all once more as soon as I’m prepared to take a position Euros once more. I imagine they’re all respectable investable firms paying excellent returns.  Mintos can be value investing in so long as you understand you’re not investing in Mintos, you’re investing of their LO’s, and as such it’s best to pay extra consideration to them than to the platform. The brand new information is that Mintos simply grew to become a regulated lender in August 2021, and as such is getting extra fascinating as a attainable funding platform. I’ll be watching to see in the event that they begin to enable UK buyers once more and if they’ve extra GBP loans like they used to.

Securities, Bonds, Gold & Crypto Portfolios

USD Progress Portfolio

Small pullback of round 4% from August to the tip of October however nothing out of the norm for this portfolio. I don’t even take note of drawdowns of lower than 10% as they occur recurrently.

By the tip of October, my fundamental private portfolio was again to the earlier highs. I’ve been investing in these asset lessons for over 30 years and once they’re invested in accurately, they’re very dependable. Simply rebalance the portfolio as soon as per yr then go away it alone.

Everlasting Portfolios (all currencies)

Once more, every part performing as anticipated. Variations in returns are as a result of a number of currencies and asset efficiency from the separate international locations they’re invested in. General they nonetheless carry out comparatively nicely. The USD property at all times carry out higher as a result of the US markets usually carry out higher. In spite of everything, it’s nonetheless the most important economic system on the planet.

The Permeant Portfolio property have carried out this manner for the final 100 years, so I might be stunned if something adjustments in my lifetime.

A few good books to learn on these portfolios are “Fail-Secure Investing” and “The Everlasting Portfolio” for those who’re focused on how they’re constructed. Each oldies however goodies.

Crypto Forex Portfolio

I take advantage of Kraken & Binance for my Crypto Portfolio (shopping for/promoting/staking). And I take advantage of the Ledger Nano X & S for Crypto offline chilly storage.

Go to Kraken
Go to Binance

Nicely, the crypto portfolio has gone fully nuts during the last couple of months. In a great way!

My first crypto funding (PolkaDOT) has actually been the winner, however nearly the entire completely different cash & tokens have taken off. DOT begins its Parachain Auctions on November eleventh, so the factor has gone nuts. On the finish of day on October thirty first, my Crypto Portfolio was at a worth of $103,363. 2 days later, I’m taking a look at it now as I sort this, and it’s at $114,509. Loopy volatility however enjoyable to observe. I added the XIRR to the calculations only for enjoyable 😀

Right here’s a fast screenshot of the portfolio as of in the present day (see the precise portfolio for contemporary up to date figures):

Crypto Chart 5 - November 2021 Investments Update

Keep in mind, a few of that revenue is from staking in addition to the market transferring up in fact.

I stake ATOM & KAVA via Kraken (here’s a screenshot of my Kraken staking account) 7% return on ATOM & 20% on KAVA:

Crypto Staking Chart 1.1 - November 2021 Investments Update

I stake my Ethereum (ETH) via (the ETH have truly been transformed to BETH which is the best way Binance maintain them when staked there, till the subsequent part of Ethereum improvement is launched, at which level they are going to be transformed again to ETH). At present making about 5% every year on ETH.

Here’s a screenshot of my Binance staked BETH.

Crypto Chart 2 - November 2021 Investments Update

The remainder of my crypto is in chilly storage, saved offline with my two Ledger wallets (I’ve an S and X).

I stake PolkaDOT (DOT) via Ledger Dwell (presently making about 14%), Cardano (ADA) via the Ledger pockets (about 5% rewards every year), however utilizing AdALite for the staking, & simply retailer the opposite crypto I’ve that’s not staked offline for protected conserving.

Here’s a screenshot of my DOT pockets in Ledger Dwell, you may see I’ve earned 70.814 DOT by staking since Feb 2021 (presently value about $3,651 with DOT at $51.57).

Crypto Staking Chart 2 - November 2021 Investments Update

Beneath you may see the DOT rewards coming in every day:

Crypto Staking Chart 3 - November 2021 Investments Update

Listed below are all of the crypto I retailer offline in chilly storage (besides Cardano (ADA) which requires a reference to AdAlite pockets to see it):

Crypto Chart 3 - November 2021 Investments Update

Right here’s a screenshot of my Cardano (ADA) saved on Ledger Nano through Adalite. I’ve the staking break up between 2 staking swimming pools (Stake ALPS & KIWI).

Crypto Chart 4 - November 2021 Investments Update

Whisky Portfolio

I’m nonetheless within the strategy of constructing my whisky portfolio. This will probably be a gentle course of as I’m solely going to purchase new, pre-order liquids from any more as I’m on this for the long term and I believe that is one of the best ways to make a gentle revenue with out an excessive amount of work (Lazy Investor, keep in mind?). That being stated, I believe there is a bit more revenue attainable from shopping for particular whisky’s from the order board when you have the time to do the analysis on which of them traditionally have made extra achieve, seems like an excessive amount of work for me although so I’ll simply diversify into every part that comes up new on the pre-order and plan to carry it for 5-10 years which ought to return between 7% & 9% every year traditionally. I can at all times promote it on the order board if one thing adjustments and I have to retrieve my capital.

Right here is my account on the finish of October, 2021. Notice that there’s a loss on the account, it’s because as I’ve bought many of the liquid within the final month, the two% fee remains to be outweighing the appreciation. Within the screenshot beneath (on the prime), you may see that the fist 350 LPA’s (Liters of Pure Alcohol) might already be bought on the order board for greater than I paid for it. That is simply not mirrored within the account steadiness but as they don’t replace the worth of latest liquids for a couple of months.

WhiskyInvestDirect Account Screenshot 1 - November 2021 Investments Update
WhiskyInvestDirect Account Screenshot 2 - November 2021 Investments Update


That’s all for this replace. I’m pleased with the best way every part goes, though I’m at all times searching for new property to spend money on to extend diversification.

I’ll carry on monitoring every part and we’ll see how I do with the varied investments.

When you have any feedback or options, please be at liberty to touch upon the submit, or e-mail me straight for those who favor.

Good luck along with your investments within the coming months! Keep in mind, it’s about endurance & persistence, not perfection! For those who begin investing in varied property when you find yourself younger, only a small quantity each month like I did, you’ll be amazed how shortly it turns into a big portfolio. You’ll even be amazed at how shortly you get previous 😀

My greatest to you and your households. Keep protected and I’ll submit an funding replace once more quickly.


This web page is offered for informational functions solely. I’m not a Monetary Adviser and subsequently not certified to offer monetary recommendation. Please do your individual analysis and make your individual funding choices. Don’t make funding choices primarily based solely on the knowledge offered on this web site.

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