The 2004 Investment U Archives
12/30/2004 - Investor Sentiment Indicators: Ominous Optimism: Issue #399
I spent yesterday in Minneapolis. I’m glad I went. I spent the day with Jason Goepfert (pronounced “Geffert”). Jason studies investor sentiment indicators. That’s all he does.
12/29/2004 - The January Effect: Another Wall Street Investment Scam: Issue #398
On the surface, the January Effect appears like a promise of “free money” during that month - just buy on the last trading day in December and sell on the last day in January, and collect a 7% return. Because of this, the entire financial world alerts you to this January Effect on small stocks your broker, your magazines, CNBC, you name it. And therein lies the problem…
12/23/2004 - Everything You Learned About Investing Is Wrong: Issue #397
The 20th century was an off-the-charts calamitous era in stock markets “Or perhaps our assumptions were wrong” says Benoit Mandelbrot, who invented an entire field of mathematics. Mandelbrot says the entire field of investment analysis is “founded on a few shaky myths.” Basically, everything you’ve learned about investments is completely wrong, as it’s been built on faulty assumptions.
12/20/2004 - Gold Investing: Just Getting Started: Issue #396
[In the January 2005 Investor's Forecast issue of The Oxford Club Communique', I tell members where I think they should put their money in 2005. Part of the answer lies in gold investing. In today's letter, I'll reveal why that is, and how you can add gold investing to your portfolio to maximize your returns this year - and for the next five.]
12/16/2004 - Dennis Gartman’s Required Reading List: Issue #395
Dennis Gartman has had a great year in his daily investment newsletter As I mentioned earlier this week, he’s nailed the twists and turns in the markets this year, most notably having been exceptionally bullish on gold for most of this year…
12/13/2004 - Dennis Gartman: The Gartman Letter and His Rules of Trading: Issue #394
You may not know his name. He doesn’t work for a big financial firm, or appear on the cover of magazines. What he does is what he’s done for decades… Dennis Gartman simply writes the best daily newsletter on the markets.
12/10/2004 - Investing in Gold and Silver: Issue #393
Silver has been obliterated in the last few days…and gold is down by $15 an ounce. It’s ugly out there right now in precious metals in particular, and commodities in general. So what do we do about investing in gold and silver?
12/06/2004 - Investment Tax Advice… 5 Moves To Make Now: Issue #392
What’s the safest thing you can do for the highest return on investment? That’s easy… And it’s number one on this investment tax advice briefing of moves you should make now.
12/02/2004 - Investment Risk: Issue #391
With this in mind, now is a good time to review our strategies for reducing your investment risk. These five reminders can do more than anything to keep your money safe and your investments sound…
11/30/2004 - Investing in Gold Coins: Is Its Run Done? No: Issue #390
In an investment - I want to buy 1) exceptional values, when they are 2) hated, yet are just entering 3) an uptrend. That was gold coins in 2003. I liked investing in gold coins because they were trading at their smallest premiums over their meltdown…
11/23/2004 - Trailing Stops - How I Track Them… And How You Should: Issue #389
Today, I’ll show you a simple “worst-case” rule for when to get out - using a trailing stop. And then I’ll show you the software that I use to track my stops myself. It’s inexpensive, easy to use, very good and free to try. You ought to give it a shot. Why use trailing stops?
11/19/2004 - How to Beat the Markets by Risking LESS: Issue #388
You don’t want to hear it, but the smartest play right now is in SAFE assets. Most folks believe the saying: “The more you risk, the more you can make…” Not so fast… There are ways to beat the markets by actually risking less…
11/15/2004 - Index Annuities - A True No-Downside Stock Market Investment: Issue #387
“You really mean I can’t lose money?” I asked my good friend Jeff Winn, who’s been an investment advisor since we graduated from the University of Florida in the early 1990s. “That’s right. At the end of a year, your principal will never go down.”
11/04/2004 - How You Really Make Money Investing: Issue #384
Don’t worry about taking a loss sometimes. The goal is not to get every one right. The goal is the overall return. I recommend that people don’t ever let themselves lose more than 25% on an investment. Get out, no ifs, ands or buts. I actually recommend a 25% trailing stop, too…
11/01/2004 - Kerry Wins It? Issue #383
Right now, it looks like Kerry could win it, assuming the polls are exactly right. But we can’t forget that margin of error… Today we’ll briefly consider the election possibilities as of this moment, and how to position your portfolio to profit.
10/29/2004 - Richard Russell: Dow Theoryand a Warning About Stocks: Issue #382
Richard Russell looks at the stock market all day, every day - right now, he doesn’t like what he’s sees. Russell, who has been writing The Dow Theory Letters for 46 years, is well known for making great stock market calls like the one he made in 1974
10/25/2004 - Four Rules that Turned $10,000 Into $5 Million: Issue #381
$10,000 invested with Michael Steinhardt in 1967 would have been worth nearly $5 million dollars when he called it quits in 1995. He traded with conviction. As an example, he went short (to profit from the downside) in the best companies in America, right before the 1973-1974 crash.
10/21/2004 - “The Lazy Man’s Way to Riches” - And More: Issue #380
There is no magic bullet (even “buy and hold”), so stop looking for it. You can’t let a small loss become a big loss. To make real money, you’ve got to buy what nobody else wants, not do what everyone else is doing.
10/18/2004 - Real Estate Investment Tips: “You Can’t Go Wrong In Real Estate?” Issue #379
I’ve heard it time and again: “You just can’t go wrong with real estate on our island.” And if you’re just looking at the last eight years or so, it’s true. Two new things I heard this weekend…
10/14/2004 - When this Number Jumps, It’s Time to Trade: Issue #378
Options traders are always trying to figure out which way the market is headed next. One tool at their fingertips is the “put/call ratio.” It’s used to measure the current sentiment - and try to foretell when the market is about to peak or bottom.
10/11/2004 - Best Performing Stocks: Issue #377
Five years ago, Mom and Pop America thought it was simple… You buy and hold, forever. And what do you buy and hold? That’s easy, too… You simply thumb through the pages of Money magazine, or Morningstar’s mutual fund guides, and…
10/07/2004 - Trading Commodities: Still a Buy for Now: Issue #376
Here in Buenos Aires, Argentina, I sat down with the head of Argentine operations of a commodity-producing company with more than $20 billion in metals (copper and gold) in the ground in Argentina…
10/04/2004 - The Biggest Misconception About Investing: Issue #375
“Don’t have family and friends as clients,” one of the older brokers told me when I was starting out. Of course I didn’t listen. I wasn’t being a rebel. I just thought that if I could get my family and friends a discount on commissions…
09/30/2004 - Bush Will Win It: Issue #374
John Kerry has his work cut out for him tonight in the debates. Judging by the futures market, where real money is on the line, John Kerry doesn’t stand much of a chance to win this election…
09/27/2004 - Florida Real Estate: Housing Bubble or Still Cheap? Issue #373
Florida real estate prices have gone nuts since 1999… since the stock market peaked. I bought my house on the Northeast coast of Florida less than four years ago, and right now I have it on the market now for twice what I paid for it…
09/23/2004 - 11 Investments That Could Beat Stocks Until 2009: Issue #372
Investors who stuck with stocks over the last five years have been ruined… The Nasdaq stock index hit its all-time high of 5,133 nearly five years ago, on March 10, 2000. Today, the Nasdaq is still down by more than 60%…
09/20/2004 - Camino Coins: Financial Catastrophe Insurance: Issue #371
Q: When is catastrophe insurance the cheapest? A: When you haven’t had a catastrophe for a very long time… And that’s where we are today. We haven’t had major financial crisis in the U.S. since the S&L crisis / recession just as we entered…
09/17/2004 - The Cheapest, Safest Stocks In the Market: Issue #370
Dan Ferris is one shrewd investment analyst. As editor of Extreme Value, Dan makes it his business to find the cheapest stocks in the market. Dan is an old friend. But he lives in Oregon and I live in Florida…
09/14/2004 - Jim Rogers Sizes up the Commodity Bull Market: Issue #369
Two legends sent me e-mails last night, back to back… At 5:01 p.m., world champion windsurfer Kevin Pritchard e-mailed me out of the blue. And at 5:02 p.m. an e-mail arrived from legendary investor Jim Rogers…
08/24/2004 - One Group of Super Cheap Stocks: Issue #364
In 1994, my income fell by half… I was a broker back in January of 1994… when investors got scared out of emerging markets, particularly Asia. As a broker who specialized in international stocks and bonds…
08/20/2004 - Three Ways You’re Smarter than a Professional Trader: Issue #363
The first stop was a swanky bar in Lincoln Park… While in Chicago last week, I met up with some friends, and one new acquaintance: a pit trader on the Chicago Mercantile Exchange. I’ve always wanted to exchange ideas with someone…
08/17/2004 - Investing Pop Quiz: Issue #362
For most of this year we have seen the markets stay in a boring trading range of about 8%, low to high… When that happens, it’s extremely difficult to make money in stocks, as folks who are heavily invested in stocks can tell you…
08/13/2004 - E-Letter Classic - What Always Works: Issue #361
Daniel Drew was bigger than Warren Buffett and Alan Greenspan combined back in his day Sure, he was a real dirtbag He cheated his fellow church parishioners out of money…
08/11/2004 - History of Oil: The Single Greatest Prize in All History: Issue #360
Dr. Sjuggerud reports on the history of oil, including a look at OPEC, the impact on government and war, and oil’s pricing since WWII.
08/06/2004 - Why Bonds Now (Do Not Miss This One!): Issue #359
From an irate reader: “I enjoy reading your Investment Newsletter. However… I have got to point out that interest rates are going nowhere but up. As you know, bond values move inversely to the interest rate… “
08/03/2004 - Outperform Your Friends by ‘Investing Ugly’: Issue #358
You don’t want to hear it, but the smartest play right now is in SAFE assets… Most folks believe the saying: “The more you risk, the more you can make” Not so fast…
07/29/2004 - Stock Buying Tips: Is Everyone on Wall Street an Idiot?: Issue #357
Investors pushed the Dow up by more than 100 points on Tuesday, “fueled by the best consumer confidence numbers in two years,” the Wall Street Journal reported. So stocks must go up when consumer confidence is high
07/26/2004 - The 1% Gain Lurking Beneath Microsoft’s Hype: Issue #356
Microsoft announced 75 billion dollars’ worth of cash dividends and share buybacks last week, starting with a special $3-a-share dividend payable in December. As if on cue, small investors clamored for shares of Microsoft
07/23/2004 - China Stocks: Three Hot Investments - Poised for a Meltdown: Issue #355
“I like China,” a broker told me at a neighborhood Christmas party, “and nanotech. What do you think?” That was the opening sentence of my January 2004 newsletter.
07/19/2004 - How the Market Could Wake Up To a Hibernating Bear: Issue #354
“Sometimes the market’s gentle slumber ends in a rude awakening.” From an article in Barron’s, over the weekend. When will this market finally break out of its ever-so-boring trading range? And when it does, which way will it go?
07/15/2004 - Five Steps to Becoming an “Adventure Capitalist”: Issue #353
One year ago, I hadn’t even considered investing in foreign countries But an investing trip to Argentina four months ago changed my mind. Despite going through a horrendous financial crisis in 2002, Argentina is a great place to visit…
07/12/2004 - “Guaranteed” Election-Year Profits? Not So Fast: Issue #352
“Stocks can’t fall this year it’s an election year” Wall Street firms, in their effort to get you to buy stocks, love to tell you this little fact: “Between 1964 and 1996, stocks rose in every presidential election year.” While The Street may not…
07/08/2004 - Is a Great Economy Great for Stocks?: Issue #351
“Analysts: Economy Headed for Fast Growth” It was a news story on Yahoo!’s home page yesterday, for all the world to see. For investors, the instant reflex is to think that if the economy is good, then that’s good for stocks.
07/02/2004 - Dennis Gartman and the Truth About the Money Supply: Issue #350
Is inflation set to take off and destroy your life savings in the process? If you listen to many popular financial gurus these days, you might think so “The dollar is about to crash!” “The Fed is letting the printing presses run!”
06/29/2004 - The Truth About Earnings: Issue #349
The trick to pulling off a good lie must be that you believe the lie yourself And when it comes to corporate earnings, brokers have come to believe their own lies. Today we’ll consider the main measure of value in the stock market
06/25/2004 - Is a Housing Crash Imminent? No: Issue #348
With a dead year in stocks, bonds, commodities, currencies - you name it - people have been turning to real estate Prices from coast to coast have been soaring. Prices are up 26% in the last year in the entire Los Angeles area.
06/21/2004 - VIX Indicator: Know When to Buy and Sell: Issue #347
The most important thing happening in the markets right now is actually no thing as in, nothing I can’t remember such a boring time to be an investor Last week, the Dow Industrials gained a boring six points a 0.06% return
06/17/2004 - The Dirty Words of Investing: Issue #346
“You can’t go wrong buying raw land around here.” Uh-oh. I just bought five acres of undeveloped land in northeast Florida and I think I got a good deal. But then I heard “you can’t go wrong with buying land around here”…
06/15/2004 - The Trouble With Everyone: Issue #345
I spent last week talking about investing at a private retreat with some of the most important names in the investment newsletter business Everyone there, it seemed, expected the stock market to go down over the coming year…
06/11/2004 - What a Famous Hamburger’s Now Saying About the Dollar: Issue #344
At least once a day, it seems, I hear from someone that the U.S. dollar is going to crash Generally, the fellah on the soapbox doesn’t offer up much in the way of an alternative - it’s just something you have to accept.
06/08/2004 - ‘Cash Is Trash:’ The Investment Industry’s Big Scam: Issue #343
You might not know the name Dan Ferris, but some of the shrewdest investors on The Street do Dan has quietly made a name for himself simply by doing investment research the old-fashioned way: through original thinking.
06/03/2004 - The Gone Fishin’ Portfolio: Issue #342
Imagine a place where your time is yours to spend as you wish, where you spend time only with people you want to be with working on the things you enjoy, traveling the world spending time with your kids or grandkids…
05/25/2004 - Position Sizing: Why Size Matters to All Investing Greats: Issue #340
I made four times my money in JDS Uniphase. But I made one mistake with JDS Uniphase: I didn’t put enough money into the trade. It was early 2000, near the top of the bubble, and I was getting used to making 100%-plus returns…
05/21/2004 - The Two ‘Secrets’ to Mastering Investing: Issue #339
“How did you get so much investing knowledge at such a young age?” I get asked this question often. I don’t know what answer people are looking for but I’ll tell you how I learned what I’ve learned.
05/17/2004 - Bill Gross on Investing in Bonds: They Look Horrible - Perfect Time to Buy?: Issue #338
Bill Gross is a genius when it comes to investing in bonds, and he’d better be, as he’s responsible for nearly $400 billion in bond money. The call Gross made on April 1 was extraordinary. He basically said bond yields should rise by 100 basis points.
05/13/2004 - Interview with Van Simmons: How to Make Some Coin with Undervalued Coins: Issue #337
Throughout the decade of the 1990s, stocks did nothing but go up. In the same time, collectibles like rare stamps and rare coins lost three-quarters of their value. Here in 2004, stocks are now extremely expensive, and are finally starting to…
05/10/2004 - What the ‘Big Money’ Is Doing Now: Issue #336
I love to know what the “big money” is doing so I can do the opposite. That way I can really make money. Yes, although it might sound counterintuitive, you can make more money, and lose less, by first determining what most…
05/07/2004 - Financial Planning Help: In 3 Easy Steps: Issue #335
Go ahead hang a shingle and call yourself a financial planner. What? You don’t have any qualifications? Don’t let that stop you. Unlike being a doctor or lawyer, there are no requirements to be a financial planner.
05/03/2004 - Three Simple Secrets for Triple-Digit Returns: Issue #334
I hear it all the time “Steve, I can’t buy that stock it was $10 a year ago, and now it is $20. It’s up 100%. It’s too late I’ve missed it!” Or “Steve, I can’t buy that stock it was $20 and now it’s $10. It just keeps falling.”
04/29/2004 - The Five Secrets Every Investor Should Know: Issue #333
Here I was in Argentina last week, about to give a speech to subscribers of Steve Sjuggerud’s investment newsletter, True Wealth. My topic was supposed to be tiny “micro-cap” stocks, but I was hesitant…
04/24/2004 - Don’t Buy Google: Issue #332
With up to $100 million in investment banking fees on the line, you can bet you’ll hear a lot about Google’s upcoming IPO. You’ll even get a chance to buy it. But please, for your own good, don’t buy.
04/22/2004 - The Truth About Dividends And 4 Ideas That’ll Surprise You: Issue #331
Sam Zell pays you big dividends As America’s biggest office landlord, Zell paid out $700 million to shareholders of his company, Equity Office Properties, last year - that amounted to a 7% dividend. But should Zell have written $700 million…
04/20/2004 - US Interest Rate Projections: How to NOT Predict Interest Rates: Issue #330
Jim Bianco made an astounding discovery, one that everyone should see Jim has spent his life with the exciting work of studying bonds and interest rates for a living. In his world, it’s not often that you come up with something…
04/15/2004 - Mastering Investing: How Not to Lose: Issue #329
I watched Vladimir Klitschko LOSE his heavyweight boxing match on HBO last week. Earlier in the week, I watched in person as tennis star Mary Pierce LOST to Serena Williams. But I say they both LOST because they could…
04/12/2004 - Investment Tips: The Top 5 from Great Investors: Issue #328
One of my personal keys to investing success and learning investment tips to last a lifetime has been learning how “the greats” did it. And I always like to follow up on what they’re thinking now. In the latest Fortune Magazine 2004 Investment Guide, the magazine offers up “Top Picks from 50 Great Investors.”
04/08/2004 - Why Big Profits Are Bad for Stocks: Issue #327
Surging profits are bad for the stock market? I couldn’t believe it but it’s true. Buying stocks when earnings growth is slowing down sounds like a bad idea but it’s actually the best time to jump in the market according to Tim Hayes
04/05/2004 - Real Estate Danger Signs: Issue #326
“Real estate on this here island is only goin’ up,” my dental hygienist told me last week. She’s probably 19 years old, but she was certain about getting rich in real estate. You’d have thought that the Lord had whispered “Buy Florida real estate”
04/01/2004 - Commodity Bubble: Are We Headed There, Too? Issue #325
Oil will be $100 a barrel “at a minimum by the end of the decade and possibly sooner.” A prediction from a new best-selling business book, The Oil Factor - I couldn’t believe what was in the stack of mail when I returned home.
03/30/2004 - Buenos Aires: The Buck Stops Here: Issue # 324
They wouldn’t take my U.S. dollars When the Patagonian Internet cafe wouldn’t take my dollars two days ago, I didn’t think much of it at first. It was just an inconvenience…
03/26/2004 - Investing at the Bottom of the World: Issue #323
Greetings from what must be the most fantastic place on the planet right now: the Hotel Correntosos in Villa La Angostura, Argentina. It is 70 degrees…
03/23/2004 - On the Ground in Buenos Aires: Issue #322
In 2002 all the banks in Buenos Aires closed for 60 days. Simply put, if you had money in the bank, you couldn’t get it. After two months, even the rich were out of cash.
03/19/2004 - Investment Course: The Best One Around: Issue #321
“I’ve learned more with your IU Course than I learned in my entire MBA program at Rice University.” Paul C., C.P.A. from Texas, on the Investment U Course. Wow, what a compliment. Either we really did something right when we created the official Investment U Course.
03/16/2004 - Can You Answer These 10 Questions for Extraordinary Investing? Issue #320
Last week’s three-day Investment U seminar in Delray Beach, FL, was sold out almost a month in advance.
It was our most successful gathering ever, both in terms of the number of attendees (more than 200) and number of profitable ideas that got exchanged (countless, I’d say).
03/11/2004 - E-Letter Classic - What Always Works: Issue #319
Daniel Drew was bigger than Warren Buffett and Alan Greenspan combined back in his day. Sure, he was a real dirtbag - He cheated his fellow church parishioners out of money…
03/09/2004 - Learn How To Invest: Advice for a Novice: Issue #318
“At current market values, canned goods in a basement would offer better returns than the U.S. stock market.” Paul Krugman, quoted in the recent book Valuing Wall Street. “Steve, you probably get asked this all the time, but”…
03/04/2004 - Safely Make 10 Times What You Risk In China: Issue #317
“So you mean that for a total cost of 1%, I will make 10% if China revalues by 10%?” “Yes, that’s correct.” That’s the conversation I had with Everbank this morning about their special China deposits.
03/01/2004 - Investing Legend Jeremy Grantham: Money that Grows on Trees: Issue #316
Lumber prices are up roughly 20% in 2004 and they’re up nearly 100% in the last year and a half. It’s been just crazy. Who are the biggest beneficiaries of this? Those who own the trees.
02/27/2004 - Precious Metal Investing: Why It Might Be Time To Start Burying Pennies and Nickels in Your Back Yard: Issue #315
Issue # 315 assesses pennies and nickels and how they may be worth more for their metal content than for their purchasing powerand why investing in commodities and commodity-related investment plays should be a part of every investor’s portfolio.
02/24/2004 - Stock Market Predictions for 2004-2005: Issue #314
Dan Denning is one of the smartest guys I know This morning, we interviewed Dan to see what’s kicking around in his head right now. During the course of the interview, he shared with us his stock market predictions for 2004-2005 and what he believes is the best stock for the next 10 years.
02/19/2004 - How to Get $100,000 Worth of Research a Year - For Free: Issue #313
Can you believe it? Hundreds of thousands of dollars a year in computers and subscriptions just to decide what stocks to pick. When you’re managing billions, hundreds of thousands must be pocket change.
02/12/2004 - Investing in Wine: Returning 522%, Some Wines Are Outpacing Stocks: Issue #312
Ever given thought to investing in wine? In the latest issue of Global Mutual Fund Investor, my friend Eric Roseman points out that First Growth Bordeaux wine (1990 vintage) has risen by 522% over the last 10 years, beating stocks.
02/10/2004 - China Crash in 2005 - The Erection Index Says So: Issue #311
Planned during the stock market mania of the late 1920s the Empire State Building is a classic example of “The Erection Index” at work. Today I’ll reveal this little-known index, and give you a specific way to use it in your portfolio for maximum returns.
02/05/2004 - Stock Market Outlook: The Bear Hiding Behind Merrill’s Bull: Issue #310
One thing’s for certain, Merrill Lynch will be able to claim at the end of 2004 that it called the stock market right. That’s because Merrill is sending out equal and opposite messages about its stock market outlook this year.
02/03/2004 - Van Simmons on the Price of Gold Coins: Why High-End Coins Are Set to Ride Even Higher: Issue #309
At a gold conference I attended last week, coin guru Van Simmons explained how top-quality, high-end rare coins outperform their lower-quality counterparts in the second part of a coin bull market.
01/30/2004 -How Gold Stocks Could Double - Without a Move in Gold Issue #308
Yesterday I hosted a conference on investing in gold. I invited the most experienced gold investors on the planet to speak. So, what did they say is the right way to invest in gold now?
01/26/2004 - Nicaragua: Free at Last And Profitable, Too! Issue #308b
As long as Americans think of Nicaragua as “Russia with palm trees,” it will be a great place to invest. I’ve been saying that since my first trip here a dozen years ago, and the returns on investment have really been extraordinary.
01/22/2004 - Three Moneymaking Secrets of a Champion Trader: Issue #307
David Ryan can teach you a few things about winning in the stock market. With an astounding 161% return, Ryan won the stock division of the 1985 U.S. Investing Championship. Today, I’ll do a quick study of Mr. Ryan’s methods…
01/20/2004 - Jeremy Grantham: Where To Invest When There’s No Place To Hide: Issue #306
From Jeremy Grantham: “Today we have substantially the worst prospects for long-term global investment returns of my 35-year career when all asset classes are considered, particularly for U.S.-centric investors. The asset classes collectively are simply the most overpriced they have been…
01/15/2004 - Tax Scams: 7 Tax Scams to Steer Clear of Plus 1 Real Way to Earn Free Money: Issue #305
In Issue # 305, Dr. Sjuggerud gives 7 tax scams to steer clear of and 1 real way to earn free money, courtesy of the IRS.
01/13/2004 - Stock Market Indicators: Profiting Now from the Two Best: Issue #304
Brian’s the Investment U Vice President. And I believe what he has to reveal about his two best stock market indicators could make the difference for you between going bust this year - or starting to build a lifetime of wealth. Here’s what Brian has to say…
01/09/2004 - Iceland Stocks: Capitalizing on Iceland’s Booming Financial Markets: Issue #303
Steve Sjuggerud reviews Iceland stocks as part of his global tour researching out-of-the-ordinary investments which could lead to extraordinary returns over the next few years.
01/05/2004 - Top Investing Tips: The Top 5 From Great Investors: Issue #302
One of my personal keys to investment success has been learning how “the greats” did it. And I always like to follow up on what they’re thinking now. In this issue, we’ll explore 5 of those “greats” and evaluate some of their top investing tips and how they can work for you.
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