Home Loans

The Myth of 20% Down on Mortgages

Chances are, if you’ve listened to your parents you’ve been instructed that you need at least 20% down when buying a home. You’re not alone. According to a Sallie Mae survey, nearly 50% of renters think they need 20% down to buy a home. The good news is you’re much closer to becoming a homeowner than you might have thought.

What You Really Need to Buy a House

So, how much of a down payment do you really need? There are actually many mortgages out there you can get with a down payment of 3-5%. Loans from the Federal Housing Administration require down payments as low as 3.5%.

If you’re a veteran, chances are you might qualify for a Veterans Administration loan with zero down payment. And anyone can apply for a Fannie Mae loan with as little as 3% down.

Stop Renting, Start Buying

The 20% Myth has stopped many people from buying a home. A recent study shows millennials will spend nearly $100,000 in rent by age 30. That’s because 56% of millennials think they don’t have enough saved to buy a home. Considering that rent prices continue to go up while mortgage interest rates are dropping, it might be the perfect time to stop renting and buy a house.

The Credit Myth

Another myth that’s stopping people from becoming homeowners centers on credit scores. An Ellie Mae survey discovered that 63% of renters think they need a credit score of at least 700 to qualify for a mortgage. However, many lenders only require a credit score of 640 or higher to get a mortgage.

Start Talking

All of these concerns and myths would be quashed if more renters spoke to loan officers and mortgage specialists.

Start your conversation today by speaking with a WWFCU Member Service Representative at (734) 721-5700 or in our branch. You can also speak with a mortgage specialist with our partner Mortgage Center at (800) 353-4449 or click here to get started.

Fraud Protection Taxes

6 Reasons to File Your Taxes Early

About a third of Americans wait till the last two weeks of the deadline to file their taxes. If you’re one of the procrastinators, you may want to change things up this year and file early. Here are six reasons why it pays to file your tax returns early:

  1. Quicker Refunds
    Since most people wait to file, the IRS gets bogged down the closer you get to April 15 and it takes longer to process the returns and issue refunds. So, it literally pays to file early if you are expecting a refund. E-filing will get your return to the IRS that much sooner, so think about filing electronically if you usually don’t.
  2. More Time to Pay
    It may seem counter-intuitive, but since you technically have till the tax deadline to pay what you owe the IRS, it might make sense for you to file early. That way you’ll know just how much you’ll owe, and you have extra time to gather the funds.
  3. Financial Information
    If you’re buying a home or getting a student loan in the near future, you may want to file early. Many loan applications ask for your recent tax returns to prove household income. If you file now, you won’t have to delay that loan application.
  4. Prevent Extensions
    If you are a procrastinator, you’re probably familiar with filing an extension come tax time. Many of us wait till the last minute to gather the documents and receipts we need to file and end up needing an extension. This year, why not do this all now and file on time or, better yet, early?
  5. Beat Identity Theft
    The closer we get to April 15, the more fraudsters come out of the woodwork with their IRS/tax scams. The sooner you file, the less time scammers have to file a tax return in your name. Click here to learn more about IRS scams.
  6. Access to Preparers
    Sometimes you need to use a CPA or tax preparer to help you file. If that’s the case, you’ll want to make your appointment ASAP. The closer we get to the filing deadline, the busier their schedules get. Filing early will help ensure you get an appointment.

WWFCU has an early and affordable way to get your taxes filed sooner thanks to our TurboTax Discount. TurboTax makes it easy to file and get the largest refund guaranteed. Click here to learn more.

Debit Card Fraud Protection

Why Debit Cards Are a Safe Choice

Over half of Americans prefer using their debit cards over any other form of payment, and this number continues to grow. However, in this age of security breaches, consumers are wondering if using debit cards is safe. We have four facts on how/why debit cards are a safe choice.

  1. Decrease in Debit Card Fraud
    Believe it or not, the number of debit card fraud cases is falling. You can thank that little EMV chip in your debit card for that. The EMV chip makes it harder for scammers to clone debit cards. So much so, that retailers that use EMV-enabled checkout systems found that fraud dropped by 76% in just three years.Keep in mind that fraudsters are working around the EMV chip issue by installing skimmers at ATMS and other terminals. So, protect yourself and be aware of the devices you’re inserting your cards into.
  2. Debit Network Protection
    When you use a Visa or Mastercard debit card, you’re protected. Network-backed dispute and liability practices protect you when you use your debit card. They have well-defined rules and regulations that are put into place if fraud is confirmed. Feel secure knowing that if there are suspicious debit transactions, they will be resolved.
  3. The Big Picture
    Luckily for debit cardholders, credit union card issuers have a lot of leeway when it comes to helping out their members with fraud – especially if having a debit card is just one of several accounts or products the member has with them. A good example is if your credit union checking account is hit by fraud and drained, leaving you unable to pay your credit union auto loan. Chances are a credit union will waive any fees until the fraud is resolved or you’re able to pay. Credit unions like WWFCU will look at the big picture of your membership, not just at the fraud issue.
  4. Debit Card Evolution
    Like a lot of financial products available out there, debit cards continue to evolve. The underlying catalyst for this evolution is based on the three main expectations consumers have of their debit cards: convenience, acceptance and security. Contactless debit cards are an example of this evolution. This not only makes transactions easier, but safer as well. That’s because it avoids the potential skimming devices that can be a byproduct of inserting your cards into POS readers.Another example of debit card evolution are apps like CardNav that let you control when, where and how your cards are being used. This helps members team up with their credit union to fight fraud.

Whichever way you look at it, debit cards continue to be one of the safest forms of payment available. Learn more about WWFCU’s debit card here. We also offer CardNav for free to our cardholding members. If you have any questions, stop by our credit union or call a Member Service Representative at (734) 721-5700.

 

Courtesy: CO-OP Financial Services

Fraud Protection

Falcon Fraud Alerts

We have teamed with Falcon Fraud protection services to continuously monitor your WWFCU debit cards as of February 5, 2020. This service helps identify and prevent fraudulent transactions. If any of your card transactions seem unusual or outside of your normal spending patterns, this may prompt Falcon Fraud to contact you to confirm the transaction(s).

If you have a WWFCU debit card and you have a cell phone number on file with us, Falcon Fraud will send you Fraud Alerts via text messages.* If you don’t have a cell phone number on file with us, Falcon Fraud will contact you at the home phone number we have associated with your account. To add a cell phone number or update your contact information, please call us at (734) 721-5700 or stop by our branch. That way we’ll have the most current information for your account.

Once you’re notified by Falcon Fraud and inform them the transaction in question is unauthorized, they will immediately block the card. You will then need to contact WWFCU so we can help you with next steps, including the dispute process and options for issuing you a new debit card.

If you think you’ve been a victim of fraud or have any questions about the Falcon Fraud alerts, please contact a WWFCU Member Service Representative at (734) 721-5700.

*Falcon Fraud will verify your identity, but they will never ask you for your full debit card number, expiration date or the security code on the back of your card.

Auto Loan Loans

Should I Refinance My Car?

You always hear about people refinancing their mortgages, but what about refinancing an auto loan? There are several reasons you may want to refinance your auto loan, and a couple of reasons you might not. Read on to see what best describes your auto loan situation to decide if you should refinance your car.

Why You Should Refinance Your Auto Loan

Everybody’s financial situation is different. Here are a few reasons why you should refinance your car:

  • Better Interest Rates
    Whether interest rates are down overall, or you’ve found a better rate than what you currently have, a lower rate is a good reason to refinance your auto loan. Credit unions like WWFCU typically have lower loan rates than most banks and auto dealerships – take a look at our auto rates here.
    Keep in mind that there are minor costs to refinancing and you may want to check the terms of your current loan before you switch.
  • Improved Credit Score
    If you find yourself in a better financial situation than when you first bought your vehicle, you may want to think about refinancing. A better credit score means a lower interest rate. You can get your credit score for free on websites like com and creditkarma.com.
  • Lower Monthly Payments
    If money is tight, reducing your monthly payments could give you some financial breathing room. Check out our loan calculator using the new loan terms to see if refinancing makes sense. Sometimes stretching the term out an extra year and nailing down lower rates can make a big difference in your monthly payments.
  • Buying the Car You’re Leasing
    As the end of your lease approaches, you’re given the option to purchase your vehicle. You can either buy it outright or refinance it. Do the math to see if refinancing makes sense for you vs. extending the lease or leasing/buying a new car.

When You Shouldn’t Refinance Your Auto Loan

  • You’re Close to the End of Your Loan
    Thanks to the amortization process, you pay less in interest during the life of your loan. Because of this, it makes more sense to refinance closer to the beginning of your loan when you’re paying more in interest.
  • Vehicle Depreciation
    If you have an older model car and/or have high mileage, you probably won’t want to refinance. Many lenders don’t want to lend money on a vehicle that has greatly depreciated in value.
  • You’re Underwater on Your Current Loan
    If you owe more than the car is worth, lenders won’t want to refinance it. Check your vehicle’s value before you start the refinance process.

Whether you need help deciding if refinancing is right for you or you already know it’s time to dive in and refinance, WWFCU can help. Speak to a Member Service Representative at (734) 721-5700 or in our lobby to learn more.

Auto Loan Credit Cards Financial Wellness Home Loans

How Many Credit Cards Should I Have?

One is often not enough, but how many credit cards are too many? Is there a magic number of credit cards that will help, not hurt, your credit score?

Your credit score is based on many factors and can be affected by numerous things. It all comes down to ratios. Credit agencies look at what you owe with both revolving credit (credit cards, lines of credit) and installment loans (auto loans, mortgages, etc.) and what your total credit is. This is your utilization ratio or rate. The more maxed out you are on all of your credit cards and loans, the higher your ratio is and the lower your credit score will be.

So, the number of credit cards matters less than the total balance you have on those cards. Credit agencies also look at your payment history for those cards. If you find yourself juggling credit cards and not always making your payments on time, chances are you have too many credit cards.

Average Numbers

The average American has two to three major credit cards and two to three store credit cards. Those with an “excellent” credit score of 800+ tend to have an average of three or more major credit cards. One thing that does make a difference with credit agencies is what your debt is compared to what your overall credit limit it. Adding an additional card to your total could help your credit – as long as you don’t carry a lot of debt on it. The more credit you have, the better your debt-to-credit ratio will be.

Another option would be to ask your current credit card company to increase your credit limit, which will have the same effect. But again, don’t increase your credit card debt with your limit or you defeat the purpose of increasing your limit. And if you have a card with a high interest rate, use that one less than those with more reasonable rates.

How Many?

If you haven’t figured it out yet, the number of credit cards doesn’t really matter, but how you use them does. Here are some reminder tips:

  • Pay your credit card bills on time – every time.
  • Keep your accounts open unless there’s a major reason to close them.
  • Have a mix of installment loans and revolving credit (credit cards).
  • Don’t overspend. Just because you have high credit limits doesn’t mean you should max them out.

To apply for a low-rate WWFCU Visa credit card, click here. You can also apply in person at our branch or call (734) 721-5700 to speak to a Member Service Representative.

Credit Cards Youth Accounts

What to Teach Your Kids About Credit Cards

As a grown-up you know that there are both negative and positive sides to having a credit card. Many of us find out the hard way what it means to own a credit card. If you’re a parent, you probably like to help your kids avoid the same mistakes you made. Here are a few ways you can help teach your kids about using credit cards:

  • Be a Good Example
    Like most things, kids learn how to use a credit card by watching their parents. If you use your cards responsibly, explain to your kids why you only charge what you can afford to pay off quickly. Avoid impulse purchases with your cards, especially if the kids are around. Also, show them your credit card bills and explain your plan for paying them off.
  • Explain Interest
    Interest is the sneaky villain when it comes to using credit cards. Get those bills out again and show them the interest charges and other costs like fees on the card. If you child ever asks for an advance on their allowance, give it to them – but charge a small fee. This will give them a taste of what paying interest feels like.
  • Debit vs. Credit Cards
    If you’re like me, you use your debit/check card frequently. Describe to your kids the difference between using your debit card vs. a credit card. Explain how when you use your debit card, you’re spending your own money and a credit card is essentially spending someone else’s money.
  • Credit Limits
    Chances are, your child doesn’t realize you can only spend so much on your credit card. Again, get that credit card statement out and show them where it lists your credit limit and explain what that means. Further explain how it’s not smart to spend to your credit limit, that creditors like to see you haven’t maxed out your cards. Experts recommend spending up to 70% of your limit.
  • Credit Card Usage
    Even though it may be easy to whip out your credit card for each purchase, show your kids how it’s best to use them sparingly. Explain that it’s smart to leave room in case of an emergency, and to not use them for everyday purchases like groceries or gasoline. Let them know those purchases should come out of your checking account instead.
  • Mistakes Matter
    This is one of the most important lessons to teach your child – that any mistake they make with their credit cards will stay with them for years. Give them a brief overview of what a credit reporting agency is (Equifax, Experian and TransUnion) and how their “grades” can impact things like getting a job or auto insurance. In fact, comparing the whole system to a school grading system might be the easiest way to explain credit to your kids. This includes explaining how a major way to “flunk” is not paying your credit card bills on time or paying the minimum amount due.

A lot of the above lessons will shift depending on the age of your child, but that’s okay – money smarts like correctly using a credit card should be an ongoing lesson, not just a one-time deal.

If you have a young adult at home, you could help them start building their credit with a WWFCU Secured Visa. Call (734) 721-5700 or stop by our branch to speak to a Member Service Representative about a Secured Visa today.

 

Credit Cards Home Banking Rates

Curing a Holiday Debt Hangover

Along with the decorations, cookies and family fun, the holidays also often come with a sizeable chunk of debt. In fact, 42% of Americans expect to have about $500 in holiday debt. If you find yourself a bit buried in debt, WWFCU has some great tips to help dig you out.

Evaluate

As much as it can hurt to actually look at what you owe, it’s the best place to start. If you find yourself with a few credit card bills, take a look at their balances and interest rates. Then, you can tackle the bills in one of two ways. One, you can start with paying off the highest rate first to save you money. Two, you can pay off the lowest balance first to build up some debt-paying momentum. Nothing like paying off one bill to make you want to get all your bills paid off.

Consolidate
If you have a few credit cards with balances, take a look online and see if any of them allow you to transfer your balances. That way, you’ll have fewer bills to deal with on a monthly basis. Just make sure the credit card you transfer everything to has a lower interest rate than the others.

Shop Around
Speaking of lower interest rates … Many credit cards come at a price – high interest rates. If this describes your cards, it may be time to shop for a new one. The best place to start is a credit union like WWFCU, we statistically have lower credit card interest rates than the average bank.

Earn
A simple way to pay your debt off sooner is to start earning extra income. See if you can put in extra hours at work, hold a garage sale or sell some items online. If you have a special skill or talent, you may be able to pick up some additional work on the side on a per project or consulting basis as well.

Schedule
Thanks to company autopay options or Bill Pay with your WWFCU Online Banking, you can schedule your monthly payments. That way, you take the stress out of bill paying and reduce the risk you may miss a payment. The sooner – and easier – you can pay off your debt, the better!

You can always speak to a WWFCU Member Service Representative for help with our credit cards or online banking. Just stop by our branch or call (734) 721-5700.

Financial Wellness

New Year, New Financial Goals

As you take a look back at 2019, you’re probably resolving to have better control over your finances in the New Year. From saving more to spending less, we’ve got your goals covered:

  • Watch Your Credit Score
    Many of us only look at our credit score once a year or when we’re looking to make a big purchase like a car or home. With AnnualCreditReport.com, you can take a look at your credit report from one of the credit reporting agencies: Equifax, TransUnion and Experian. You’re allowed one free report per agency per year. Or, sign up for websites like Nerd Wallet or Credit Karma to view your actual credit score. Sites like these often give you a weekly or monthly credit score update. Take a look at what affects your credit score.
  • Cook at Home More
    Whether it’s brewing a pot of coffee at home or making a nightly family dinner, homemade means more money in your pocket. The average American spends around $3,300 eating out and can spend up to $1,000 on coffee at a coffee shop like Starbucks per year. Try eating at home more and investing that money instead. Your waistline, wallet and future self will thank you!
  • Vacation for Less
    Sure, it’s easy to get vacation envy when you’re viewing your friends’ social media updates, but they don’t have to pay your bills, do they?! There are reasons staycations are becoming more popular – they’re cheaper and less stressful. If you really feel the need to get out of town our out of state, pick a destination within a few hours’ drive time. Gas is always less expensive than a plane ticket and rental car. Camping is also a fun and affordable alternative to a more expensive family destination vacation. If you can’t avoid a big vacation, be sure to shop the various travel sites to make sure you’re getting the best price for your flight, hotel and rental car. Planning ahead? You can open a WWFCU Vacation Savings Account and start saving today.
  • Focus on Health
    It’s not unusual for people to start a gym membership at the start of a New Year. Don’t waste your money. You can get healthy at home. Go for a walk or jog outside or find a used treadmill for colder months. Also, the internet – and more specifically YouTube – is chock full of exercise videos that use no or very little equipment. Taking the time now to get healthy will also help your finances in the long run thanks to potentially fewer medical bills and prescriptions.

Take the money you save with the above tips to either bulk up your savings account or whittle down your debt. Aren’t those great ways to start the New Year?

Financial Wellness

Unique Financial Resolutions

Come the New Year, many of us resolve to spend less and save more. Two subjects we discuss a lot on our blog!

This year, we thought we’d shake things up a bit and give you a list of unique and ultra-specific resolutions/goals you can make for the New Year.

  • Save Change
    When paying with cash, try to spend only bills – and save the change. Once you’re home, put the change in a container like a milk jug, etc. Once it gets full, bring it into WWFCU and dump all your hard-earned change into our coin machine for only a 5% fee for members (10% for non-members) or roll it and bring it to a teller (just write your account number on the rolls). The most important part? Take whatever amount you’ve collected and deposit into your WWFCU Savings Account!
  • Pay Extra
    It may seem counter-intuitive – pay more now to save money later. But if you can make one extra auto loan and/or mortgage payment a year, you’ll not only shorten the length of your loan, you’ll be saving big on interest.
  • Ban Shopping
    Easier said than done, right? It may not be as hard as you think to ban shopping for a short period of time, like two weeks. Try to go two weeks without spending a dollar. Groceries can be an exception but try to limit those to necessities and perishables. An experiment like this can help break bad spending habits and encourage you to add positive money habits instead.
  • Sell Clutter
    You probably have unused items like sports equipment, kitchen gadgets, etc. collecting dust versus collecting extra funds for you. Sell your clutter for cash, and this includes any clothing you haven’t worn in the past year.
  • Use Software
    A simple personal finance software program can help you get a clearer picture of the money coming in and going out each month. After a few months, run a few reports to see where your money actually goes and determine where you can cut back.
  • Read More
    Instead of spending your time catching up with friends and cat videos on social media, spend some extra time to read a financial book each month. Take this time to learn more about subjects you may not be an expert on such as stocks, investing, retirement, etc. The more you know, the more likely you’ll be able to reach your financial goals.

Discover how WWFCU can help you reach your financial goals by stopping by our branch or calling a Member Service Representative at (734) 721-5700.

Financial Wellness Investments Savings

Financial Goals for Each Decade of Your Life

A person’s financial goals grow and change with the individual. Your goals in your 20s aren’t usually the same as when you’re 50. We wanted to give you an overview of what some of your financial goals should be, decade by decade.

Your 20s
  • Set Up Good Habits
    Now is the time to put your financial habits in place for the rest of your life. Do yourself a favor and start saving from your very first paycheck. This also includes saving for retirement – it’s never too early to start!
  • Put Yourself First
    Your twenties are your chance to be selfish – in a good way. Before you have a family or aging parents, make yourself a main priority. This is the time to invest in yourself, whether it’s going back to school, getting a certification or work longer hours to climb the ladder.
  • Take Risks
    From taking that job in another city to making high-risk investments, now is the time to do it. You have limited obligations in your 20s, use that to your advantage and do what you can to further your career and finances.
  • Be Prepared
    It’s easy to put off creating an emergency fund, since it’s nothing you need right now. But, there’s no way of knowing when you will need it. So, start saving three to six months of your living expenses in a savings account you won’t touch unless you have to.
  • Savings Goal
    Try to have one to three times your starting salary saved by the time you hit 30.
Your 30s
  • Grow Your Retirement
    By now your career is probably chugging away nicely and you’re making more than in your 20s. If you’re making more, you should be saving more – especially in a work 401(k) or an individual retirement account (IRA). If you have an employer that matches funds in your 401(k), you definitely want to take advantage of that, it’s basically free money!
  • Reduce Debt
    Sure, it’s easy to just make the minimum payment each month on your credit card bills. But it’s also expensive. Don’t let your interest rates get the best of you. (Don’t forget that WWFCU has some of the best credit card rates) Also, be sure to pay all your bills each month, every month.  
  • Get Insured
    We’re not talking health insurance (although you hopefully have that by now!). Now is the time to make sure you’ve got the right amount of coverage in your auto, home/apartment and life insurance. Be sure to revisit your insurance as your needs change.
  • Savings Goals
    Ideally, you’ll want to be saving 10-15% of your yearly income. You should have savings that amounts to three to six times your current salary.
Your 40s
  • Plan Ahead
    Retirement is about 25 years away. How is your personal and financial health? Take care of yourself and your future. Be sure to have a living will and regular will in place by now. And if you have children, you might want to consider creating a trust account.
  • Buckle Down
    It was easier having freer spending habits in your 20s and 30s, but by now you probably have more financial responsibilities. Tweak your monthly expenses if you can. Curb going out to eat and make sure you’ve got the best mobile phone, internet and cable/streaming plans available. Cut back where you can.
  • Grow Your Wealth
    You’re approaching your prime earning years, which also means this is when you’ll want to increase your savings if possible. Take a look at your savings and investments and make sure you’ll be able to meet your future goals.
  • Savings Goals
    Think of moving some savings/investments into long-term growth assets. You should have six to ten times your current salary saved by now.
Your 50s
  • Plan for the Future
    The future will be here before you know it. Make sure you have all of your finances and assets in place to help your family. This includes your parents and children if you have them. Have open conversations with both sides of the family to see how everyone’s needs can be met. Also, college tuition should be on the near horizon if you’re not already in the middle of it. Help your kids out if you can, but make your retirement a main priority as well.
  • Think Long-Term
    Being an official “senior citizen” is about a decade away. Which is why it’s important to think about long-term care insurance. This insurance covers services that regular health insurance doesn’t cover such as getting assistance with daily activities like bathing, dressing or getting in and out of bed. Long-term care insurance also covers costs if you have a chronic medical condition, disability or disorder.
  • Adjust Retirement Savings
    Your definitely closer to retirement than ever before. Are you meeting your retirement savings goals? If not, what do you need to put in place to make that happen? You may need to tweak your savings and expenses or look at other income sources for retirement. Be sure you have 25 times what you plan to spend each year in retirement. If you’re doing all you can and you still end up short, you may need to delay retirement by a few years.
  • Savings Goals
    By the end of your 50s, you should have eight to 15 times your current salary saved.
Your 60s
  • Look Further Ahead
    There are some factors that could affect your retirement savings, such as inflation or the cost of healthcare and long-term care. Plus, you never know how long you’ll really be able to work. Until now, you’ve been guessing in best-case scenarios. Your retirement plans are coming to fruition, but they might not meet all of your plans. You may need to consider working longer or deferring your Social Security payments.
  • Picture Yourself
    It’s time to take a mental leap and picture yourself retired. What does that look like? If you’re on the cusp of retirement, you might want to first go to part-time work. Get an idea of what free time truly feels like. Do you have enough to keep you occupied and enough people to keep you engaged?
  • Review Your Estate
    Hopefully, you have a will and trust(s) in place to leave your family in a good place once you’re gone. Review your insurance to check what you have and if you still need it – or if you need more. Make sure all of your estate documents are in order and that your executor knows how to find everything. Also, do a beneficiary review to ensure the correct family and friends are listed.
  • Savings Goals
    It may be time to start withdrawing from your 401(k) or IRA. By now, you should have 10 to 25 times your current salary saved.
Your 70s+
  • Have Fun
    All of your hard work and careful saving should make it easier for you to start having a little fun. Take a hard look at your savings and retirement plan and then live your life accordingly. Spend what you intended on spending, without guilt. If you planned well, you can now relax and enjoy life!
  • Adjust When Needed
    You still want to keep an eye on your retirement savings and plan and adjust when needed. Double check that you’re not underestimating your life expectancy. Keep track of your spending to determine if your investments are aligned. Keep your withdrawal rate at about 5-6% and you should be fine.
  • Plan Your Legacy
    Your finances are in place, but what else are you leaving behind when you go? It may be time to give your time or some money to a charity – which also has its tax benefits. Spend time with family and do what you can to ensure their security. Giving back at this time of life can reduce the chance that you’ll feel isolated or depressed.
  • Savings Goals
    If you’re in your 70s, your saving days are done. You’ll want to think more about income and withdrawal rates more than saving.

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