rek: money

Showing posts with label money. Show all posts

Tuesday, October 22, 2013

Saving money on home improvement buying tools and hardware as package deal

Saving Money On Home Improvement:buying Tools And Hardware As Package Deal

If you are contemplating a home improvement project, you would be well served to plan ahead about in regard your project. By planning ahead, you will be able to identify exactly what tools and hardware items that you will need for your home improvement project. By identifying what tools and hardware items that you will need for your home improvement project, you will be able to better coordinated in the manner in which you purchase these tools and hardware items. Indeed, you will be able to make arrangements to purchase the tools and hardware you need in a so-called package deal which likely will end up saving you a significant amount of money.

If you can make a comprehensive list of those tools and hardware items that you are going to need for a particular home improvement or similar type of project, you likely will be able to deal with one vendor -- or just a few vendors -- who will be able to give you a good deal by making a package deal of these products. By buying in quantity, you can end up savi

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Saving money on your grocery bills

Saving Money on Your Grocery Bills

Do you want to make dinner a SIMPLER, HEALTHIER, and LESS EXPENSIVE experience for your family? With proven tips and helpful information from long-time meal planner and working mom, Jamie Ussher, now you too can learn the benefits of meal planning and how to grocery shop on a budget!
Start saving money, time and energy today!

meal plan, grocery shopping, cheap, family meal plan, saving money

How is your grocery bill month to month? Do you end up spending more than you wanted every month? If you are at all like me, a working wife and mother, grocery shopping and meal time can be a stressful and time consuming endeavor. And, if getting the meal on the table for a descent price is not enough, there is the health issue that factors in. Attempting to provide healthy meals that will not empty the pocketbook can be difficult to find! With some great tips, you will see the benefits you receive when you start shopping smart and eating at home. It is worth it!

The following are easy ideas to help you save money when you go to the grocery store and when you are at home cooking.

Be creative
If you forgot or forget something at the store think about what else you might be able to use. For example, I have forgotten to grab butter (a staple item) and potato soup was on the menu for the night. I substituted olive oil for butter that night and it worked great!

Use leftovers
For example, if you have stuff left over from week one, use it the next. Use up all salad stuff and things that can go bad, even if you have to create a new meal that is not on your meal plan. Wasted food = wasted money.

Be a smart shopper!
I think that often people are not prepared when they do go grocery shopping and end up spending more money than they intended to on food that is not healthy for them. Remember the stuff from the meal plan information (below)!

First, do the preparation work at home. Look at the local ads before you go. Make meal plans according to the ads from that week.

Second, be flexible! Recently, while at a grocery store, I saw a special on good quality split chicken breast. They were $1.48/lb. which was a savings of $1.41/lb. off what they normally cost. When I saw them, I had never bought split chicken breast and was not sure of the differences when comparing them to regular chicken breast. So, I asked the guy behind the meat counter. He explained that there was a small bone in the back of the meat that could easily be cut or picked out. I was sold! After cooking the meat to make the meals, I think I actually like this cheaper meat better! It was juicier than my normally boiled chicken breasts come out.

Third, do not go to the shops hungry! Why does it seem that you rush off to the grocery store and once there, while shopping for food, you suddenly realize that you are very hungry? This almost guarantees that you will spend money on food that you do not need and is most likely not healthy for you.

Be prepared
When you leave to go shopping, pick a time where you do not feel rushed. This will better help you to stick to your list and to eating better foods!

Have staples on hand
Here is a list of things to have on hand for cooking and baking. These are the items I have found most helpful. Look through the list and decide what items your family uses, then add and subtract items as it makes sense for you and your family.

Honey
White Flour
Wheat Flour
Cornmeal
Quick Oats
Shortening or Lard
Oil (olive or grape seed are best)
Potatoes
Yeast
Frozen Vegetables (whatever is cheap and your family likes)
Mustard
White Sugar
Brown Sugar
Vanilla
Herbs/spices (like garlic, cumin, ginger, parsley, oregano, etc.)
Bouillon Cubes (Chicken)
Bread Crumbs
Soy Sauce
Worcester Sauce
Butter (tub)
Sticks of Butter
Cornstarch

Start meal planning!
What is a meal plan, you might be thinking. A meal plan is exactly that, putting together a plan for your meals. Decide what you are going to eat and putting it in to practice. There are many reasons to have a meal plan. Here are a few of those reasons and why they are important.

Save money through a meal plan! Make a meal plan according to ingredients. Put recipes and meals together so that ingredients are not wasted because they are not needed and are, therefore, unused.

Save time through having a plan and shopping lists - When you go to the grocery store, you will have a list to go from and will not by unneeded or overpriced items.

Spend more time together as a family - With a meal plan, you will consequently eat more at home. Dinnertime is a great opportunity to talk and spend time together. Take advantage of this!

Save energy - With a meal plan you will make fewer trips to the grocery store. A meal plan enables you to stop thinking about what you will make for dinner that night, what ingredients you still need for it, and how to put it together. A meal plan helps you to be organized!

Eat healthier - You will not be going out as much with a meal plan ready for you, this will help you eat healthier foods at home! You will eat a better variety of foods since you have thought about it ahead of time. You can plan for healthier meals and start to understand what is going into your body. Thinking through the food you eat will automatically make you more aware and hopefully help you make wise decisions!

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Saving money on travel these holidays

Saving Money On Travel These Holidays

travel, travel coupons,travel savings, travel promotions

Holiday travel is expensive! Gas prices are unpredictable, hotel rates can be high for the peak travel season, and rental cars are always more pricey than youd like them to be. Thanks to online coupons you may find a great deal of savings on the trips you have to make to friends, relatives and loved ones. Why pay full price when you can print a coupon off the website?

In many cases, the Internet coupons youll find are affiliate discounts. This means you have to Click Here and get referred to a site like Avis.com where your discount is applied thanks to your click. One click here discount coupon at simplybestcoupons.com gives you fifteen dollars off a compact to full size rental. Another coupon click offers ten percent off a compact to full size rental.

And what about those hotel discounts? The Radisson Hot Hotel Deals coupons go up to fifty percent off. Who wouldnt want to save half their hotel bill, especially during holiday gift-giving season? Your travel expenses could go down dramatically, a

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Saving money through investing in mutual funds

A good mutual fund company will know how to use the investors money to buy and sell large amounts of securities. The aim of mutual fund companies is to increase their profit margins.

mutual funds

A good mutual fund company will know how to use the investor's money to buy and sell large amounts of securities. The aim of mutual fund companies is to increase their profit margins. The individual who invests on mutual funds also has a similar objective of squeezing maximum profit out of it. It's a win-win situation, only if you know how to make the most out of investing in mutual funds and thus saving your money from being wasted. When selecting funds, be sure to take note of your goals and ambitions so that you can invest in the right fund.

Investing in mutual funds has emerged as the new buzzword amongst consumers in order to save money. But, for first time investors it requires a little bit of knowledge about the current market scenario. You need to keep in mind that when you are buying mutual funds you are actually investing in the shares of a corporation. You need to master the art of maximizing returns and minimizing risks to benefit most by investing in mutual funds. In terms of variety, flexibility and liquidity mutual funds are perhaps the best option.

A recent media poll confirmed that mutual funds are the most popular choices amongst investors primarily because of its risk-free nature. Mutual funds have its own share of advantages, which make it a preferred choice amongst most investors, big or small. Many people see it as an effective tax saving tool. Mutual funds have infact, took precedence over the traditional options of national saving certificates and public provident fund to save money.

If you are a starter, there are many courses which will provide you a veritable mine of information on how you can buy and sell your mutual funds to extract the maximum profit and save money through investing.

Higher risk mutual funds, however, work best when you want to make short-term investments. The Internet these days is replete with information on mutual funds. Even investors with no investment experience go for mutual funds to save money. Many consider award-winning funds as the most suitable investment option for people. But you need to bear in mind that the funds falling in the award-winning category may not suit your interests best.

Careful fund management and proper market survey can go a long way in helping you to save your taxes through mutual funds. Do not be hesitant to take the help of mutual fund brokers in case you are not sure about whether you are taking the right move or not.

Winning the battle of life becomes all the more easier with investing in mutual funds. So it makes sense to invest in mutual funds to make you capable enough to sail through even the worst financial situations of life without having any tension.

If retirement blues is haunting you or you are worried about your kid's future take heart. With investing in mutual funds you can save enough money to lead a happy and peaceful life. Let mutual funds ensure that you do not work for money, instead the money works for you.

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Saving money with geico car insurance quotes

Saving Money With Geico Car Insurance Quotes

GEICO car insurance has long been only available to government agents. Now, by employing witty advertising campaigns and using a slogan that indicates you could save 15% by switching, they have become an exceedingly competitive car insurance company for the general public. Anyone who becomes qualified may receive GEICOs discount car insurance rates, and can start to share in other excellent discounts that they offer, such as:

Multi-car premium reduction
Having air bags...

GEICO Car Insurance Quotes,auto insurance, ree quotes

Multi-car premium reduction
Having air bags
Lowjack trackers
Kill switches
Additional safety features
Additional anti-theft devices

One of the many ways GEICO offers savings on car insurance is when you put more than one vehicle onto the same policy. Offering a multi-car discount helps save money off the amount of premium paid. More cost reduction on GEICO car insurance is available when the car you buy has additional safety and anti-theft devices. The final way GEICO has that leads to premiums costing less is when you join one of more than 250 organizations that have partnered with the car insurance company.

One quick way to lose money is by getting cheap auto insurancefrom an auto insurance company that can't come through for you when you need them the most. Consider the financial strength of insurance companies, always. GEICO Insurance is one of the largest insurers in the nation.

GEICO car insurance company has a 97% customer service satisfaction rate. They have their customer service lines open 24 hours a day 7 days a week with a great standing for paying claims quickly because GEICO is owned by the Berkshire-Hathaway group, which has assets worth over $15 billion.

To look at a competitive car insurance rate from GEICO just visit them online to fill out the form, or call and impart your information to an agent. For fast tips and advice before that, visit the following website .

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Saving money with tax free medical plans

Saving Money With Tax Free Medical Plans

Do you have medical expenses that you incur every single year? Do you always use up your entire medical insurance deductible on co-pays?

If so, there are a couple of medical saving plan available that would allow you to use tax-free money to pay for your medical expenses. That is an automatic 28%+ savings! You see every time you pay the co-pay using your checkbook, credit card, or debit card you are paying with money that has already taxed by the federal, state, and local ...

taxes, 401K, tax free, medical plan, medical expenses, insurance

Do you have medical expenses that you incur every single year? Do you always use up your entire medical insurance deductible on co-pays?

The first medical savings plans that allows you to pay for your co-pays with tax free money is called a Flexible Spending Account, or sometimes just called a Flex Account. How does a Flex Account work? Simple. You simply inform your employer that you wish to set a portion of your paycheck aside for medical expenses. To do this you will need to visit your Human Resources department and fill out the appropriate form. And then each pay period, the designated amount of money is withheld from your check, tax free, and deposited in a savings account for you to use for your next doctors visit. And the best part, since you are withholding the money tax free, you will pay less in taxes at the end of the year. Its a win-win.

The second medical savings plan is called a HSA or Health Savings Account. Due to the rising cost of medical expenses, our government has come up with what is known as a high-deductible savings plan for medical expenses. How it works is this, you can set aside money, tax free, into an account that you own. What this means is that if you decide to change jobs or quit entirely, you keep the money and the account. The account is a bank account in your name. What is great about this plan is that most employers will actually put money in this account for you! Every year, my company puts in $2000 for me to use for medical expenses. However there is one catch that you need to know about before pursuing this plan. This is a high deductible plan, which means that my deductible is also $2000 per year. This plan will really pay off if you are a healthy individual, who expenses are less than $2000 per year. Once again, check with your Human Resources Department to get more details on this type of plan.

By using these two plans you can save a tremendous amount of money on your medical expenses and in the process reduce the amount of taxes you will pay at the end of the year. If you have planned medical expenses every year that it will benefit you by planning ahead and investigating one of these tax free plans.

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Monday, October 21, 2013

Saving time and money with lettings software

Saving Time And Money With Lettings Software

lettings agency, software, property rentals, property management

Choosing the right lettings software package could make a huge difference to your business. By automating the complex administration involved with keeping landlords and tenants happy, you can save time and money, leaving you free to market your business and focus on your clients.

How can I save time?

Installing good software to manage the administration of your business allows you to reduce the amount of time you spend sorting out landlords, tenants, properties and finances. If you dont currently have a software solution in place, or you have one thats been running for several years, you may be frustrated with the length of time you have to spend sorting out paperwork, matching property owners with the people who are renting from them, categorising properties into price bands and keeping track of whos viewed a property and who has issues that the landlord needs to be contacted about. Running a lettings agency is a complicated and time-consuming business, and installing the right software could allow y

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Save time money and hassle stop spam

Save Time, Money and Hassle - Stop Spam

Spam can be an absolute nightmare, and one that seems to spiral out of control in some of my email accounts. Read how this can cause problems and also how it can be stopped.

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Spam can be an absolute nightmare, and one that seems to spiral out of control in some of my email accounts. If i've been away for a few days and haven't had a chance to check my emails, I dread having to open up my email client when I get back online in anticipation of hundreds or thousands of spam emails.

Although I simply delete these emails, for some, they seem legitimate messages that can often cause the recipient to become the subject of a fraudulent activity. An example of this that many people may have experienced are the emails that claim that you have won the lottery in some country that you probably haven't even visited, or emails that ask for you to help claim a substantial amount of money for someone who claims to be entitled to millions of dollars from a lost relative. These types of emails are laughable but for a lesser experienced internet user, they pose a great threat.

This was when I decided to use a spam blocker to pre

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Sunday, October 20, 2013

Saving money during a recession

Saving Money During A Recession

Recession is a word that fills people with dread and bad visions. Its a time people consider bad for finances, a time capable of magically shrinking a dollars value overnight. It also automatically increases the cost of basic living. And where money is a huge concern, people always ask, Can I still save for real during a recession? The answer is: of course you can. You just need to be wise and creative about the whole thing. Here are ways how:

Plan your purchases.

By planning your purchases, youre effectively planning your expenses. This will help eliminate the danger of impulse buying and unnecessary spending. Try to look at the bigger picture when it comes to your basic needs.

Plan for a weeks worth of groceries, for example, so youll have an idea of which items you truly need (and want) and which items you can do away with. To make sure that you maximize your planning efforts, consider incorporating items on sale into your planning. If there are foods

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Saving money by choosing a half club set

Saving Money By Choosing A Half Club Set

For a beginner at golf, buying a full set of deluxe clubs is almost always very foolish. When a beginner uses the more advanced clubs, he or she will likely encounter nothing but frustration. If you are a beginner and you want to buy some golf clubs of your own, you should look at some of the options that are alternative to buying a full new set of clubs. You can use a few different options (and even combine them if youre lucky enough to find such a deal) to get golf clubs without doing too bad of a number on your wallet. The first way that a beginning golfer can get away with these huge savings is to buy a half set of clubs. This will not only save money and be lighter to carry, but it will also improve your game since you will have less of the more advanced clubs to choose from.

The half-set doesnt have a combination that is set in stone. Usually you will end up having to choose a few to exclude and include. In most cases, a half set will include 4, 6, and 8 irons, as well a sand iron and a pitching wedge. It will include several woods, as well as a putter. Using these clubs, you will be able to have one available that will work in almost every situation. There are certain equivalencies between clubs that will allow you to drop them from your collection. For example, a 5 wood and a 2 iron have very similar. However, the wood will allow you more forgiveness if you hit it a little bit off-center. Therefore you can drop the 2 iron from your golf club set until you become enough of an expert to really need the unique hit it will give you.

Having a half set of clubs will usually allow for a beginner to really improve his or her swing before getting really involved in the game. Once you have had the half set for a while and you are proficient in using them and swinging them, you can begin to think about moving up to a full club set. The experience that you have gained from using the half set will carry over to the new ones, and you will be much more skilled than if you had simply started with the full set. It will also give you a chance to figure out your own personal preferences such as club length and head weight. When you buy the full set, you will be much more positive that it is the perfect golf club set for you.

You can acquire a half club set in one of several different methods. The first is to simply buy one that is geared towards beginning golfers. This could be a good choice, but you should definitely try them out before you buy them. An even better way to get a half-set is to mix and match individual golf clubs. Many club stores will allow you to do this, and you will just need to get some advice from an expert golfer as to which ones you will most certainly need when you are out on the golf course. Have a seasoned golfer come to the store with you and pick out all of the clubs in your half-set.

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Savings account a great tool to save money

Savings account: A great tool to save money

Meant to encourage the habit of saving money amongst people, a savings bank account not only ensures safe keeping of your funds, it also helps you keep your expenses under control. Use of savings account to save money has become a much-touted concept in economic forums in recent times.

According to a recent survey, most of the money problems arise out of people's indifferent attitude towards their own financial reality. In our day-to-day life we can be a little more ambitious and try to save money by coming up with thousands of innovative ways. We can maintain savings account so that we can put aside a portion of their liquid assets that could be used to make purchases later on.

With the technology revolution, the web media is bombarded with clear and impartial information and expert guidance for investors, entrepreneurs looking for ways to save money. With the money saved in the savings account, you can also make some more money. Most of the banks have Money Market Savings Accounts. These accounts have got higher interest rates than the savings accounts. Online banks provide higher interest rates due to the fact that the banks do not have to pay for buildings and staff.

There are many online banking facilities, which offer you with latest updates on money saving techniques. By adopting a few resource-saving techniques, you can save your money from flying away from your pockets. You need to learn how to manage your money in order to save it from being wasted in avoidable costs every month.

But, you need to allot enough time for it. A recent. If you are an avid smoker then with a little bit of self-control you can curtail your smoking habits. You can also bring down your housing expenses and earn some money by renting out your spare room. To augment your savings you can deposit your monthly earnings into two different accounts at two different banks.

This will help you to monitor your savings very easily. You can also monitor your personal spending via online banking and stay within your budget. Through debitATM card you can withdraw money from the ATM centers of a particular bank which remains open 24 hours a day. Many of the banks also offer Internet banking facility for the convenience of their clients. Savings Bank Account can be opened in the name of an individual or in joint names by filling up a simple form.

Young adults are now increasingly warming up to the idea of saving their money in a savings account. The trend has already set in and it will be only a matter of time when children will also be taught about saving money as part of their school curriculum.

So, without wasting any further time, make it a point to save a portion of your money in a bank account every time you get your salary check. Increase your financial prowess adopting a few tricky money-saving techniques and be assured of a peace of a lifetime.

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Saving money with a hybrid car

Saving Money With A Hybrid Car

Hybrid Cars not only seek and help out the environment, but they can also save the consumer money through government incentives and other motives, all which add to the worthy reasons why consumers should be investing in this low fuel expenditure and unique car. The cars are being seen as a car of the future and certain states in America are giving advantages to owners of them.

In terms of tax savings, consumer reports testify that hybrid car owners can save up to $3,400 on...

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In terms of tax savings, consumer reports testify that hybrid car owners can save up to $3,400 on taxes when they buy a hybrid car instead of a regular vehicle. There are also now incentives to having a hybrid car because of the insurance; many insurance companies have claimed that they will be offering a policy discount to customers who drive hybrid cars, in some cases up to ten percent. Hybrids can also save money because a $284 billion highway bill has been passed into law that contains a provision allowing states to open high occupancy vehicle lanes to all hybrid cars rated at least 45 miles per gallon, even if there is only one passenger. A few states in the Unites States such as California, have decided to give incentives to the owners of hybrid vehicles in the form of a cut in annual registration fees, excise duties and also free parking to the hybrid vehicles.

Hybrid cars provide reduced running costs because of their lower fuel expenditure which means that the consumer will save in gas costs throughout the year. Hybrid cars can go more than six hundred miles before the gas tank needs to be refueled, which saves both time and the money of the consumer. A study found that putting together the costs of financing, fuel, insurance, state taxes and license fees, repairs and upkeep, over five years a hybrid Prius, for example, will cost $13,408 fewer than a similar size non-hybrid sedan, which means that hybrids will save money for the consumer over a few years.

It is clear that while hybrid cars are playing their part to save the environment, hybrids also save the customer money, which is a key incentive when choosing to purchase one of the innovative hybrid vehicles on the road today. If more people choose to purchase the vehicle, more incentives may be offered by the government and individual states. Hybrid cars may well be the cars of the future years to come and benefit our environment, as well as saving the consumer money.

For information on buying and selling new and second hand cars and bikes visit

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Saving money on magazine subscriptions

Saving Money On Magazine Subscriptions

If you are interested in subscribing to a magazine or different magazines, you may be wondering how you can fit the costs of subscribing to a magazine or magazines into your overall budget. In this day and age, many people find it very difficult to make ends meet, to maintain a wise budget. They simply do not have a great deal of discretionary money to be used on such things as magazine subscriptions.

With that said, there are some ways in which you can save money on magazine subscriptions. One of the easiest ways you can save money on magazine subscriptions is through the Internet and World Wide Web. There are now many websites in operation that offer magazine subscriptions at reduced costs.

In addition to websites that market magazine subscriptions at reduced costs, there are also Internet websites that market magazine package deals. In other words, you can obtain a number of different magazine subscriptions that you might not otherwi

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Save money with online auctions

Save Money with Online Auctions

I love to shop, it really doesnt matter what the item is. I enjoy clothes, shoes, art, most anything you can imagine shopping for. Yet I do have to pay attention to how much I spend because all those small purchases do add up over time. I have found I can buy twice as much stuff that I want if I shop at the various online auction sites. Trust me, you can find some great bargains on both new and used items. The two most popular online auction sites are Yahoo! Auctions and eBay.

There are literally thousands of products to choose from so you will likely find anything you are looking for. I enjoy finding things that the stores no longer carry but that I know are great products. Once you time in a specific item into the search box you will get a listing of all the products available. You can view them by the auctions that are ending first, the lowest price, the highest price, whatever you want.

Before you can place any bids on these online auction sites, you will need to set up an account. This is a simple process that will take you about 15 minutes. You will need to provide your personal information including your name and address. You will also set up a user ID and password for your account.

To get the very best deals from these online auctions, you really want to do your homework before you place a bid on any item. Take a look at the reputation of the seller. You will be able to see the number of items they have sold as well as feedback from the people the sold it to. Take a look at what these people have to say. You want to make sure the seller seems honest with what they are listing and they ship timely.

Make sure you find out about the cost of shipping the item to you before you bid on it as well. Some individuals place the cost very low but then they charge an outrageous fee for shipping. This is because the cost they have to pay the auction site for their listing is based on the price they open the bidding at. If the auction you are looking at doesnt give the shipping cost I strongly recommend you email the seller and get an answer before you bid on the item.

Most sellers on these online auction sites are pretty straight forward in regards to what they are selling. There are a few who arent though so you really need to take the time to read the entire listing from top to bottom before you place a bid. For example, I know a person who thought they were bidding on an iPod on one of these auctions and they were disappointed when they got an off brand. Yet when I took a look at the listing they purchased it from that information was clearly stated in the description, she just didnt read it all.

Not only can you get great bargains from online auctions, it is fun to look around and see what people have to offer as well. To help ensure you get the items you want for a price that fits your budget decide what your maximum bid will be on a given item. Enter that amount when you place your bid. This way you dont have to keep going back to see if someone outbid you. Dont get caught up in a bid war with someone though because you might end up paying more than the item is worth just because you dont want to get beat! By setting your limit in the beginning you wont have to worry about it. Should you get outbid on something there is likely many more of it on the various pages of listings on these online auction sites.

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