How to teaching your children about money

For many parents, money is an uncomfortable subject. Discussing finances with your children is either too scary or too personal for many people.

However, a panel of experts at The 2016 Money Expo agreed that this is one of the most important subjects any parent has to manage. Preparing your children for their financial futures is one of the greatest gifts you can give them.

Nikki Taylor from Taylored Financial Solutions said that the earlier parents start on this journey, the easier and more effective the lessons will be.

“For me, it’s about starting them early,” said Taylor. “How do you teach children manners? You don’t wait until they are 15. You start when they are really young.”

Brand manager at Emperor Asset Management, Lungile Msibi, said that even two- and three-year olds can appreciate the lessons of delayed gratification and working towards a goal.

“Start kids when they are young with goal-based savings,” she advised. “If they want a Barbie doll, for instance, show how they can save towards that goal. That’s important because later in life they will understand that you can’t invest if you don’t have a goal.”

As they grow older, you will have therefore prepared them for conversations about investing for the long term. It’s particularly helpful if family members support you.

“When my kids were born I gave their grandparents bank account details for both of them and said instead of filling my house with toys at birthdays and Christmas, please put money in these bank accounts,” said Taylor. “My children still get toys and presents, but they also see the money in their accounts and how it is earning interest. They now get excited at every birthday and Christmas to see who has put money in for them and how much they now have.”

The next ratings decision before investing

In this advice column Mikayla Collins from NFB Private Wealth answers a question from a reader who wants to know whether his advisor should have held back on making any investment decisions until the ratings agencies make a decision on South Africa.

Q: I just a made an investment of R400 000 via a financial planner who placed these funds within a unit trust portfolio.

My question is twofold:

Firstly, if we are downgraded to “junk” status, is there any possibility of me losing my investment or the investment not yielding the promised dividends?

And, secondly, should I have waited or should the financial planner have advised me to hold on with the investment, pending the outcome of the ratings decision later this year?

The first likely result of a downgrade would be further depreciation of the rand. This would be brought on by foreign investors selling their local assets and taking their money out of South Africa.

To understand how this would affect your personal portfolio, you need to look at the breakdown of the underlying assets and how the portfolio is split between local and foreign assets. A weaker rand means that the foreign holdings would look better, as they would be worth more in local currency terms. In addition, since many of our locally-listed shares are also rand hedges (around 70% of the market cap of the JSE), it’s likely that a large portion of your local holdings would also be protected.

On the other hand, some local assets would suffer as a result of rand weakness. However, since a downgrade would be a well anticipated event, it is most likely that the fund managers with whom your advisor has placed you have adjusted their portfolios accordingly.

Secondly, it is important is that you understand the difference between the long-term and short-term impacts a downgrade might have. Depending on your particular plans and requirements for this investment, your advisor should have selected funds that suit you for the time period you are looking to invest.

Financial services companies

July is savings month in South Africa. This is an initiative that is meant to encourage us all to be more serious about putting away money for our futures.

The premise is obvious. South Africa’s savings rate is abysmal and we need to do something to fix that.

However, many of the messages coming from financial services companies this year have not focused on the country’s savings habits. They have rather been about our spending habits.

Sanlam, for instance, has collaborated with rapper Cassper Nyovest and actress Pearl Thusi on a project called #ConspicuousSaving. The two, who are usually known for their big spending, have been posting on social media about doing things like home facials, clothes swapping or a haircut at a roadside barber to save money.

At a media luncheon in Cape Town on Thursday, Liberty also looked at ways in which South Africans might try to moderate their spending. Based on the findings of a survey conducted by Alltold, Liberty showed where consumers look to cut back to make their money go further.

The primary lesson from the study, entitled The Frugality Report, was that South Africans don’t like to compromise on their lifestyles. Even when they are spending less, they don’t want to cut anything out. They just look for more cost-effective ways of doing the same things.

This suggests that South Africans are probably too attached to the kinds of lifestyles they want to lead. They aren’t willing to seriously assess what they spend their money on and how much of it is really necessary.

In isolation, there is nothing wrong with highlighting these issues and questioning our spending habits. The first step towards financial freedom is always spending less than you earn.

However, it is only that – a first step. Only encouraging South Africans not to spend so much doesn’t really address the key issue of savings month, which is how to get more people to save more of their income.

Even if one of Thusi’s Twitter followers does heed the message and saves money by doing her own nails, buying second-hand clothes and turning down the temptation to buy a new handbag, what then? What does she do with the extra money that she now has?

This is where the financial services industry itself needs to do some serious introspection. It is simply not doing enough to make it easy and cost-effective for South Africans to save and invest.

Even acknowledging that this is not a simple thing to do, it doesn’t feel like too many companies are really trying very hard. The level of innovation in building simple, appropriate and appealing products is poor.

Even some firms that already have options that could be used to attract first time investors don’t market them as such. For instance, the Stanlib Equity Fund may be the only unit trust in the country that accepts debit orders of just R50 per month, yet I am not aware of any advertising from the company that has ever centred on this fact.

Easy Equities is a rare exception trying to make investing exciting and accessible, but why has it remained an outlier? Why aren’t more companies looking at ways to do similar things?

Many of them will say that it’s not easy when faced with the amount of regulation involved, and there is truth to that. However, this is not insurmountable. There are already online platforms that allow an investor to complete, sign and submit all the documentation they need for an investmentment online and simply upload their Fica documentation. It’s a process that needn’t be burdensome on the consumer.

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The strain of fiscal urgent matters within your daily life can be a massive stress. By using these a huge economic burden, you certainly should get some help! Should you be considering acquiring a cash advance, this article is loaded with suggestions exclusively for you!

When considering a payday advance, despite the fact that it can be attractive make certain to not acquire over you really can afford to pay back. For instance, should they allow you to borrow $1000 and set your car or truck as equity, however you only require $200, credit a lot of can cause the losing of your car or truck when you are incapable of repay the full personal loan.

Get in touch with close to and learn rates of interest and fees. Most cash advance firms have similar costs and interest rates, but not all. You just might save 15 or 20 dollars on the loan if a person firm offers a reduced interest rate. If you often get these lending options, the savings will prove to add up.

Normally, payday loans need to be repaid in just two days. There may be a time when you do have a expense that you do not have the funds for, and you also might be unable to shell out your loans. Many payday creditors will roll-over the loan pay back until the next shell out period of time as needed, even if you will pay further curiosity and maybe a fee.

Should you don’t hold the cash on hands once your payday loan is available expected, you may be able to work out payments. Cash advance businesses may possibly give you a couple of day extensions. You may, even so, shell out much more to have an extension.

Did you know there are actually men and women accessible to help you with earlier expected payday loans? They provides you with assistance for free, might help you have a cheaper interest rate or they may combine the loan, which will help you get free from producing paycheck payments constantly.

When contemplating getting a payday loan, make sure to be aware of the payment approach. Often you might need to send the lending company a submit dated verify that they may funds on the due day. Other times, you are going to have to give them your banking account info, and they can immediately take your settlement through your account.

Be sure you keep a near eyesight on your credit score. Make an effort to check out it at least annually. There could be problems that, can seriously harm your credit history. Possessing poor credit will negatively effect your interest levels in your payday advance. The higher your credit rating, the less your monthly interest.

Shop around just before a payday loan to ensure you’re prepared and know what’s available. Search for a pay day loan organization that gives the alternatives you need at the smallest expense. Seek information about differing rates and conditions prior to implementing.

Will not get yourself a loan for almost any more than you really can afford to pay back on the next shell out time period. This is an excellent thought to be able to pay your loan back in full. You may not wish to shell out in installments since the fascination is indeed high it can make you are obligated to pay a lot more than you loaned.

Seriously consider service fees. The interest levels that pay day lenders may charge is normally capped on the status degree, though there can be neighborhood regulations as well. Because of this, numerous paycheck loan companies make their real money by levying charges both in sizing and amount of charges total.

Steer clear of getting a cash advance except when it really is a crisis. The total amount that you simply pay in attention is very large on these sorts of lending options, so it is not worth it in case you are getting one on an each day reason. Get a bank loan when it is an issue that can hang on for some time.

Check with precisely what the interest rate from the cash advance will be. This is important, because this is the amount you should shell out in addition to the sum of money you happen to be borrowing. You might even want to look around and get the best rate of interest you are able to. The reduced level you locate, the lower your full repayment will likely be.

As you now learn more about pay day loans, you possibly can make far better judgements about your long term budget. Consider what you’ve discovered and use it in your favor. Tend not to give into the anxiety of a pay day loan selection. Alternatively, use these financial loans moderately and merely following the encouraged investigation. Then work to live inside your means to help you develop a far more sound fiscal footing.

Apettite supressants 37.5 milligram – Diet Pills Evaluated

Phentermine 37.5 mg, the planet-type fat-reducing medicine will be the top most medicines utilised by weight problems people in United states. This medicine assists you to in reducing weight to put it briefly period of time. It is an hunger suppressor and works best with a proper dieting strategy and typical physical exercises. An assessment of Apettite supressant 37.5 milligram from http://www.akronjoblink.com is as follows.
Way of Prescription medication
This medication is to be obtained 30 minutes prior to the meals to stop faintness and should not be used at the end of evening. Continue with the amounts properly.
Precautions
Before commencing the serving of Phentermine 37.5 milligrams from http://dyingforbeginners.com, consult your medical doctor and inform him concerning your track record and also the allergy symptoms you’ve got. In case you are affected individual of hypertension and diabetics tend not to begin Apettite supressant 37.5 milligram unless your physician allows. Expecting mothers and the kids are a bad idea using this treatments. Prevent booze and lengthy driving during this time. If you’re employing other excess weight lowering treatments, cease those medications entirely.
Promoting Components
Please note that Apettite supressant 37.5 milligrams is very little substitute for diet. The substance is best suited when combined with healthy diet and regular workouts. This is for your individual use and don’t let an individual to express your remedies.
Unwanted Effects
The various negative effects of Phentermine 37.5 milligrams are sleeplessness, nausea, discomfort and irregularity. These side effects are for a short period and later they reduce gradually. Just in case these side effects is still for extended timeframe make sure you seek advice from a doctor.
Apettite supressant 37.5 milligrams Details
Phentermine 37.5 milligrams is not hard in dealing with and in using. There are few negative effects for specific period and slowly diminishes as the medicines are familiar with one’s body.
This medicine is primarily used by the obesity people who may have thirty percent excess fat than regular bodyweight. People of All forms of diabetes and hypertension will use this medication following contacting the doctor. The individuals can help to eliminate fifteen to twenty percent of their actual bodyweight in 4 months if healthy diet strategy and exercises are implemented.
Amounts
Comply with appropriate doses as given with the medical doctor. In case you miss a dose in between usually do not dual your measure the next occasion it could make you unsafe predicament. Your physician typically endorses an individual pill for each dosage. 3 doses have to be taken per day.
Safe-keeping
Health care will be come to keep this medicine. Save this medication out of your get to of youngsters. Preserve it from sunlight and humidity.
Functioning of Apettite supressant 37.5 mg
This substance improves the degree of this and obstructs the being hungry indicators from reaching for the brain. This method aids the unhealthy weight affected person to stay away from meals for quite a while and as a consequence the meals absorption is controlled.
Accessibility
The Phentermine 37.5 milligram medication is available by means of supplements and capsules. In the case of capsules, these come in 37.5 milligrams and 15mg boxes. In case of capsules, the production is 30 milligram.
Generally, there’s two coloration tablets available azure and yellowish. Some supplements can be squashed and when combined meals. Apettite supressants 37.5 milligrams comes in all leading medical retailer. Glowing be obtained through World wide web solutions.
Diet program and Workouts
These two aspects perform part in cutting fat. Diet program must be totally implemented. Free of fat and fatty foodstuffs must be definitely avoided. Fruits, fruit and vegetables and wholemeal items has to be a part of your meals. You ought to stay away from alcoholic beverages and cigarette smoking.
Carry out everyday workout routines on a regular basis. Start off working out everyday for 15 minutes and extend this right time to because you carry on. This helps in using up out extra fats and calories in turn it can help decreasing excess fat. Don’t execute arduous exercise routine that produce you exhausted. Keep to the simple workouts initially and slowly improve the pace.
Abide by strictly using the suggestions with the physician.

Practical and Helpful Tips: Accountants

What to expect from accounting education.

Education is always something important for everyone, you will find that with the right education, you can be able to change almost anything which you can remain focused on, which will, therefore, make sure you can be contented at all times, more so, you will find that having more knowledge is something that can always work to your advantage since you can be of some assistance to your society thus being able to contribute in making it better.

Therefore, when planning to start learning, you have to know a few things, which means that, you need to assess yourself so that you can know what you would like, furthermore, it will become easier to get appeased with your choice rather than having someone assist you in making the choice, it will be something which you can be dedicated to doing and it also will be something which you can always treasure.

When making your considerations, accounting might be something some people might come across, which means that, you can get to know which advantages you can attain and also what you can expect from it, which means that, with accounting, you will always be assured of having a jobs after school, thus making sure that you will not have to loiter around; likewise, you will find that this can work to your advantage always.

By studying accounting, you might get to find that you have to be dedicated Unlike other courses; however, the dedication will get to pay off eventually due to the pay which you get to attain, with accounting, you will find that the pay is something which gets to attract lots of people.

With accounting therefore, you will find that there can be lots of advantages which you can attain, which means that, you have to remain focused at all times; likewise, you have to know how you can get to look for the best institution which can provide you with the best accounting education, with this, you will be able to attain your dreams or even your goals.

By conducting your search, therefore, you will find that you will be in need of credible information and the only source capable of giving you such information being the internet, this, therefore, will mean that you can get to attain the best institutions available in which you will be able to study accounting; furthermore, you will find that it will be a process which will be worth it thus making sure that you can be contented.

The Best Advice About Holidays I’ve Ever Written

Get an All- Inclusive Holiday as Your Alternative Getaway

It would be fun to get a luxurious all-inclusive holiday, where you can get deals and offers for you and your family. Where else can you find rest and relaxation combine with cuisine and activities that this means of a holiday that does not take so much of your money. For those who are on a budget, an all-inclusive holiday is perfect for them since their holidays are fully paid for before they step on the plane, with the activities all planned for and they will just have to focus on their vacations. Today, travel agencies are offering affordable all-inclusive holidays especially to those who want a luxurious holiday but on a limited budget.

There are many travel agencies today that you can view on their sites that show a wide variety of cheap all-inclusive holiday deals where you can see the perfect hotel of your choice. You could be dreaming of a stress-free family holiday, a romantic couple’s escape, a holiday with your best friend, and others, and this site will offer the best deals of all-inclusive holidays that will let you relax and enjoy your well-deserved holiday.

An example of a cheap and stylish all-inclusive holiday is the island getaway. A favourite island getaway is the Canary island because of its whole year of sunshine, sandy beaches and all inclusive resorts. Another option to discover is the diverse landscapes of Lanzarote, where you could spend time thrashing the sand on a dune buggy because of its volcanic sands, and enjoy a cocktail or two with the green landscapes around you. Perfect for couples who just want to relax is Tenerife, with its luxurious all inclusive breaks hotels and delicious Canarian cuisine and on site spa to delight on.

If you want a holiday where you and your kinds can have fun, Malta is a great place with its soft beaches and adventure parks that are made for an all inclusive family getaway.

Choose an idyllic island of Greece or Turkey’s culture as your holiday destination. Your holiday will be filled with ruins to explore and our kids will enjoy the water parks around.

The Caribbean retreats is considered as a great destination for a cheap all inclusive holidays. It is considered as the best destination to discover because of its paradisiacal escapes and desert island fantasies.

If you are going on a honeymoon or celebrating your anniversary, Mexico is your romantic destination, while Jamaica has its thriving cultural scene and reggae beats that linger.

Be aware that an all inclusive getaway has a cut off of its price flights. There are other far flung destinations to explore like the pyramids and camels of Egypt, or the sands, endless coastlines and sunshine of Morocco.

5 Takeaways That I Learned About Financing

Debt Managements: Learn Everything There Is For You To Know About It

When we say debt management, this is actually a term that is used to pertain to one of the many options that are available which you can choose whenever you are facing serious problems that has something to do with your debt. If you are wondering why we are suggesting you to look at and consider these options, well, that is because we are aiming to help you decide which among the options available is right for the type of circumstances you are facing at the moment. For you to be enlightened as to what debt management really is, debt management is a term that best describes the act of managing the debt of the borrower. There are lots of factors out there that might have been influential or greatly influencing you debt.

There are also other definitions about debt management that you can find in books or in the internet, one of which talks about debt management being just one of the debt solutions existing these days in which people who are having a hard time paying off their debt can opt for. When it comes to debts and other related matters, there are actually lots of agencies out there that you can turn to such as the CCCS which offers free advice and counselling. There is no need for you to worry about Debt management as this is not a new problem added to the ones you have instead, this is a solution that experts come up with to help debtors or borrowers pay off whatever they owe to their creditors or to someone they have a debt with. One example of this is the common practices observed during house buying as almost all of us will always be in need of mortgage to do so but, even with this kind of predicament, it would be unreasonable on our end to think that it would be best to buy our homes with the savings that we have. This is just one of the many common practices that we have which causes us to have debts. With this kind of situation, you surely need to have debt management as debt management is a process in which the debts that you have will be consolidated into a one lower monthly payment. And the one payment that you will have from having your debts consolidated will be an amount that you can afford and also, this amount will be apportioned to all the creditors that you have.

Yes, it is true that debt management is very important, most especially when it comes to bad debts however, it is also important on your side to have knowledge with regards to how you can properly use it for good.

Getting Down To Basics with Services

What Help You Can Get From A Debt Management Company?

Does your credit card payments are going out of control and causing you to be in deep debt recently and now, trying your very best to keep up with mortgage demands, making it harder to pay for other debts that you have? If yes, then it is most likely that your life when not in work is often focused on answering phone calls from creditors leaving you hopeless, down and depressed.

The main help to which anyone who suffers from debt issues should be given is to get debt help. With continuous rise in debt problems for the past several years, there has been accompanying rise in debt management companies, wanting to help people stuck in this situation. As a matter of fact, there are many that offer free advice without obligation so don’t just sit there and allow the total debt you have to grow on levels that are beyond your control. There are many options out there that can help you. Like what we have discussed earlier, there are numerous companies offering debt solutions and some of it are:

Debt management program – simply known as DMP and it is one flexible and effective way to manage debt. Say for example that you are in debt to a number of creditors, then there are many of these kinds of companies would offer their help to consolidate your debts in one affordable monthly payment that is appropriate to your means.

DMP can just be the perfect solution as you no longer need to deal with calls from creditors and your interest charges can be greatly reduced or at times frozen. What’s more, you can get to do all these things without putting your home at risks or taking out further loans.

Individual voluntary agreement – simply known as IVA, which can free you from your debts in as quick as 5 years. The simplest way to describe IVA is a formal agreement between you as well as your creditors which you mutually agrees with series of reduced payments for your total debts. This as a matter of fact is an alternative to bankruptcy and also, come with less consequences. You’ll be suitable to apply for IVAs so long as you have regular income and agree to meet the set payment terms for fixed period.

Credit counseling – there is no doubt that debt advice is going to be your initial steps on that treacherous and long road to enjoying financial freedom. Getting debt is very easy but it is the complete opposite to get out of it. You can learn strategies on how you can free yourself from debts such as taking debt consolidation and the likes through debt advice.

What I Can Teach You About Resources

Various Services of Credit Counseling

What you are going to need for credit counseling is a reputable agency to which will be able to offer you with services and offers you various options. When you approached a credit counseling firm, you surely will be surprised to see that various kind of services are being provided in order to help satisfy your needs. Every aspect with your debt relief is going to be treated through a particular service. This article will discuss to you some of the services that are being offered by a credit counseling service to help satisfy your needs.

The first essential thing to which we have to understand first is what credit counseling is. This refers to the counseling and also the practical help that you could get from an organization to help you get out of debt. This involves the process of following some advice on how you can get out of debt and to also prevent yourself to going further in debt. The services to which you would find below are services that are being offered by a credit counseling agency.

Housing credit counseling is a service to which is being offered to you through a credit-counseling agency. Such service will enable you to acquire advice whether it’s financially okay to borrow money or in making a purchase for a house. The agency is going to provide you with an advice to which is going to save you from going bankrupt if you have the plan of getting a new home. Such option in fact is considered as most likely when you have to borrow when you are planning to purchase for a home.

A reverse mortgage service is being offered usually to elderly people. This actually is for people that are 60 years old and higher. A service like this is going to enable you to borrow more money even when you are still unable to pay your mortgage. The condition for it is that you need to live in that house for you to be not obligated in paying off the loan.

Educational services are also still provided by credit counseling agencies. Such service will in fact instruct you to basic approaches for learning self-mastery through a financial control. They will likewise organize workshops and seminars and also provides you with helpful educational materials.

Another is with the budget and credit advice service, which would be the main service of credit counseling providers. This actually is what makes such agency a credit counselor. You are going to be provided with a particular counseling that talks with certain financial situations that borders you. Whatever your kind of needs are, the agency is going to advise you and likewise leads you with financial independence.

The services to which are provided above are not the only things to which are being provided by credit counseling firms. There in fact are still others which are developed in tackling certain areas of credit counseling.

5 Takeaways That I Learned About Loans

Simple Tips In Interior Designing

Starting the field in interior may seem to be very difficult and discouraging. However, this is something that you should not worry about. There so many tips and tricks for individual in interior design even rookies can do. If you wish to design your interiors, you just have to start. You have to start and not be afraid on the outcome. If you learn the tips to get the best interior design, then everything is good to go. In no time, you will be even more interested in a more complex interior design.

The first tip that you must know is the statement walls. Statement wall are great to add drama to your wall and room. The thing about statement wall is that they are really easy to use.

Statement walls go well in the living room and bedroom. You just have to choose which area or wall in the room that you will do the statement wall.

This comes easy when you have a wall that protrudes around your chimney breast. But if you opt emphasize the wall other than the one around the chimney breast, then it is really up to you. Statement wall can be great whichever wall you choose when you do it the right way. basically in statement walls, you just have make a statement with that wall. Emphasize the wall. Now that you have found a place to do the statement, the next thing that you have decide to is how you will make that statement.

Making the statement could be as simple as flashing bold color in the room. If the room you are working has white wall, you can one wall painted with white. This yellow wall will create warmth in the room.

You just have to know the purpose of your statement wall. Do you want your room to emphasize your creativity and artsy-ness? Or you want to have it cooler or warmer? By knowing what you want your statement to do, it will be easier for to know what and how to do the statement wall.

Paint is the easiest means to do a statement wall. If you want a more creative one, you may opt for a wallpaper. Wallpapers can be great too. They add flair in the room. You just have to choose a very decorative wallpaper and do it on one wall. This is too avoid making the room getting too overboard.
If you desire, you may also use stencils for statement walls. This can be very artsy and calming.

Transforming ordinary and everyday things can be really thrifty, and can help you cut down waste. Upcycling can be great in interior design and it is also very simple.

Quotes: click for source

A Simple Plan For Researching Artists

Some Tips about the Music Startup Industry

The music industry now experiences a change due to the influx of startups to which gives artists more control on their careers. Before it was thought to be a dying scene, but the music industry is actually reviving itself through change, everything with how this is made and is consumed to the case on how musicians are compensated for their work.

Most of the music startups are in fact made to target one of the two markets, which are either the fans or the musicians. What you will learn below are some of the things about the music startup industry.

If you are ever a musician and also an entrepreneur, you already may be aware on how tough it could be to actually stand out from the many people. Yet when you have already stood on both sides of the industry, you possibly may have already noticed strategies that are being used mostly by successful firms. You can however use music and technology in order to help grow your startup.

New technologies nowadays now opens up their doors to fans for them to interact with musicians in a more tangible way, which helps to give more opportunities for the artist and also the entrepreneurs. This helps to increase more the interaction with millennials and it will also increase your social media engagement a lot.

In order for you to succeed with the millennials, you must adapt on the generational shift that is happening through a way where they will listen, engage and consume with music. You could in fact engage them with their own turf by incorporating music with your startup’s marketing initiatives by searching a publisher who has a music library that could suit your needs and then licensing music that would appeal them.

Once that you find the right music in enhancing your special event or in advertising campaign, you could then license the song in launching a new product like for example Jeep made with the song Renegades, which is the ideal tune in capturing millennial hearts with the message that echoes Jeep’s where the new vehicle is ideal for adventure.

After the younger fans will see you supporting their favorite artist, they then will be able to know your startup shares the same values with them. This will later help to form an instant emotional connection with your business. Startup companies will help to enhance not just the live music experience, but also the streaming one. For some websites, their platform actually offers mobile-streaming capabilities with live music events that includes intimate performances, unique concerts, programming and music festivals with multistage and multi day coverages.

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Getting Down To Basics with Resources

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