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	<title>Pocketbook Pinch - Saving Cash Daily</title>
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	<link>http://www.pocketbookpinch.com</link>
	<description>Save money daily by using our tips and tricks</description>
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		<title>Save Electricity by Unplugging Unused Electronic/Appliances</title>
		<link>http://www.pocketbookpinch.com/household-money-saving-tips/save-electricity-by-unplugging-unused-electronicappliances/</link>
		<comments>http://www.pocketbookpinch.com/household-money-saving-tips/save-electricity-by-unplugging-unused-electronicappliances/#comments</comments>
		<pubDate>Thu, 25 Mar 2010 23:31:49 +0000</pubDate>
		<dc:creator>holyone</dc:creator>
				<category><![CDATA[Household Money Saving Tips]]></category>

		<guid isPermaLink="false">http://www.pocketbookpinch.com/?p=51</guid>
		<description><![CDATA[




In the case of plug in appliance or electronics, just because you have turned the machine or item off doesn&#8217;t mean it isn&#8217;t using energy. Most electrical appliances will draw a very small to moderate current flow when plugged in, but not being used. Such culprits would be your TV, cellphone changer, microwave, DVD player, [...]]]></description>
			<content:encoded><![CDATA[<!-- Easy AdSense V2.82 -->
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<div class="ezAdsense adsense adsense-leadin" style="float:right;margin:12px;"><script type="text/javascript"><!--
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<script type="text/javascript"
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</script></div><p>In the case of plug in appliance or electronics, just because you have turned the machine or item off doesn&#8217;t mean it isn&#8217;t using energy. Most electrical appliances will draw a very small to moderate current flow when plugged in, but not being used. Such culprits would be your TV, cellphone changer, microwave, DVD player, computer, computer monitor and/or a stereo system. Even your household furnace will draw energy for the electronic controls and internal transformer even when the thermostat is turned off.</p>
<p>Sure the power drain won&#8217;t be much in each case, but if you multiply it was 10-20 units or more over the course of a year, it will add to your power bill. So the trick is to find a way to turn them completely off or unplugging them when they are not needed. Another way is through using a power bar with a power switch which can be handy in such cases such as your home theater system. When you are done watching you programming, simply turn off the units, then flick the switch to shut the power off to everything. Do not use the power bar to turn everything off. Make sure you turn the TV off by the remote control and then turn off the power bar.</p>
<p>Waste not, want not is a common spoken phrase relating to a person not wanting to waste resources or money and through this small tip, you can stop wasting energy when it is not needed. Simply unplug your way to savings.</p>
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		<title>Improve Fuel economy by reducing engine warm up time idling.</title>
		<link>http://www.pocketbookpinch.com/automotive-money-saving-tips/improve-fuel-economy-by-reducing-engine-warm-up-time-idling/</link>
		<comments>http://www.pocketbookpinch.com/automotive-money-saving-tips/improve-fuel-economy-by-reducing-engine-warm-up-time-idling/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 20:10:15 +0000</pubDate>
		<dc:creator>Nathan</dc:creator>
				<category><![CDATA[Automotive Money Saving Tips]]></category>

		<guid isPermaLink="false">http://www.pocketbookpinch.com/?p=49</guid>
		<description><![CDATA[




You have to remember that when you are idling, you are getting ZERO MILES PER GALLON. The less you idle, the better your fuel economy.
To those of you that live in a climate that doesn&#8217;t go down to -30c/-20f, this in part will not be a huge concern for you. But some parts of this [...]]]></description>
			<content:encoded><![CDATA[<!-- Easy AdSense V2.82 -->
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<div class="ezAdsense adsense adsense-leadin" style="float:right;margin:12px;"><script type="text/javascript"><!--
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<script type="text/javascript"
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</script></div><p>You have to remember that when you are idling, you are getting ZERO MILES PER GALLON. The less you idle, the better your fuel economy.</p>
<p>To those of you that live in a climate that doesn&#8217;t go down to -30c/-20f, this in part will not be a huge concern for you. But some parts of this article will be relevant. A lot of people note that in the winter, the amount of kilometers/miles they get per tank drops quite considerably. To help stop a portion of that fuel economy loss, some simple tips could drop your fuel costs by a noticeable margin.</p>
<p>The one thing people need to stop doing is allowing they engine to sit in the driveway for 15 minutes warming up before they leave. If you are using a proper grade of oil for your car, warming up the engine by idling for long periods does not help you out at all. For one, idling is the slowest way to warm up your engine when compared to actually driving the vehicle. Your engine during driving will warm up in a 1/3 of the time than it will sitting idling at low speed in your driveway. Also consider that idling will dilute your oil a bit through fuel dilution from and will raise engine wear slightly. After you get the oil hot after driving for a long period, the fuel in the oil will eventually evaporate, but short trips and lots of idling will reduce you oil&#8217;s ability to lubricate properly.</p>
<p>To save fuel, you can switch to a synthetic oil which will flow better at startup and thus will stop the need for long idle warmup. Keep in mind that synthetic will save you money all the time when operating your car and not just during startup. But even with a standard proper grade engine oil, after starting, a warmup should last for no longer than 3-4 minutes in the driveway. During this time your heat should be completely off and no defrost running so you can stop the engine&#8217;s heat being removed by the cabin heater. Having the heat all full blast pushing cold air DOES NOTHING to defrost the interior. Give the engine a chance to warm up the coolant and engine first.</p>
<p>If you are having internal frost problems, you need to clean your floor mats and dry out the inside of your car. Removing all water from inside the car and especially from the floor mats will stop most of this. Also when the cabing is warm during long drives, open the windows to allow the dry cold air in and the warm moist air out from time to time to dry out the interior. From time to time, bring your wet carmats into your house and hang them up to drip dry or you can buy rubber winter floor mats that don&#8217;t absorb water and thus, only need to be dumped out occasionally. If your interior is dry, you won&#8217;t get any frost inside your windows.</p>
<p>After the 3-4 minutes, take is easy on the car as you pull away and make sure there is no rapid acceleration. Slowly accelerating up to speed will allow the engine to warm up and will not stress any components. Of course do this making sure you can look through your windshield. Within a couple kilometers you will see that the windshield will start to clear quite rapidly seeing the engine will be warming up a lot faster but make sure you keep the defrost on and the fan on low till so you don&#8217;t all of a sudden start to cool your engine down a bit. Having the fan on full blast not only loads your alternator, but it also makes the cabin feel colder due to windchill. More is not better.</p>
<p>Another way to cut down on idling is to use an engine block heater. Buy a block heater timer and have it set to come on an hour before you come out to start it if you own a four cylinder, or two hours if it is a V6 or a V8. Running a block heater all night is both hard on your electricity bill and is not needed to start a standard engine. A normal block heater is about 1500watts and running it for 10 hours WILL BE VERY EXPENSIVE and a complete waste of money.</p>
<p>Also remember, once your car has been driven, you do not have to warm a car up every time you get in it that day. If it has been less than 6 hours, just start up and drive away.</p>
<p>Through these small tips you can easy boost your fuel economy by 10-15% in the winter and save money. Safe driving!</p>
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		<title>Using Your Clothes Dryer Properly to Save Money</title>
		<link>http://www.pocketbookpinch.com/household-money-saving-tips/using-your-clothes-dryer-properly-to-save-money/</link>
		<comments>http://www.pocketbookpinch.com/household-money-saving-tips/using-your-clothes-dryer-properly-to-save-money/#comments</comments>
		<pubDate>Sun, 08 Nov 2009 19:31:12 +0000</pubDate>
		<dc:creator>Nathan</dc:creator>
				<category><![CDATA[Household Money Saving Tips]]></category>
		<category><![CDATA[dryer]]></category>
		<category><![CDATA[energy savings]]></category>
		<category><![CDATA[green]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[laundry]]></category>

		<guid isPermaLink="false">http://www.pocketbookpinch.com/?p=43</guid>
		<description><![CDATA[With these small dryer energy tips, you can save money monthly while extended the life of your clothes and of your dryer. You can't complain with that deal.]]></description>
			<content:encoded><![CDATA[<!-- Easy AdSense V2.82 -->
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<div class="ezAdsense adsense adsense-leadin" style="float:right;margin:12px;"><script type="text/javascript"><!--
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<script type="text/javascript"
src="http://pagead2.googlesyndication.com/pagead/show_ads.js">
</script></div><p>To start off, this technique can be used to save money if you use a clothes dryer at a laundromat or while using the clothes dryer in your home.</p>
<p>If you don&#8217;t already know, two of the biggest energy hogs in your home is your water heater and your dryer. Your dryer is essentially a self-contained heater and thus, will consumer relatively large amounts of energy. What a lot of people don&#8217;t know, is a lot of the energy used in drying your clothes is wasted either through setting the temperature too high, not filling the dryer up enough to take advantage of a cycle, or setting it to run for too long.</p>
<p>Try setting your dryer at a lower temperature and stick to the same time interval. I bet your the clothes will still come out dry. Try filling up your dryer instead of drying one wash load at a time. Dry two washer loads at a time to save energy. Also, consider air drying heavier item such as jeans and sweaters on a drying rack. Not only will they save you money, but your jeans and sweaters will last longer.</p>
<p>Another thing that is often forgotten is to clean your lint tray after every load. It is not a daily thing and it has to be cleaned after every cycle.  Even a small restriction to airflow will slow the drying process significantly by not allowing the dryer to get rid of the moist air properly.</p>
<p>To solve a lot of this problems with dryer energy waste, some dryers have a feature that automatically senses when the clothes are dry and will shut down. Even though this is a feature than might lead you to a more expensive dryer, the premium will pay for itself over and over during the life of the product. It also will net you a high quality dryer which in most cases will last longer and will be built with better parts and thus a better warranty.</p>
<p>With these small dryer energy tips, you can save money monthly while extended the life of your clothes and your dryer. You can&#8217;t complain with that deal.</p>
<p>Though this will be a small savings, when coupled with other small savings around your home, it can lead to a greatly reduced power bill at the end of the month.</p>
<p>Try it out.</p>
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		<item>
		<title>Compact Fluorescent (CFL) Bulbs Save Money</title>
		<link>http://www.pocketbookpinch.com/household-money-saving-tips/compact-fluorescent-bulbs-cfl-save-money/</link>
		<comments>http://www.pocketbookpinch.com/household-money-saving-tips/compact-fluorescent-bulbs-cfl-save-money/#comments</comments>
		<pubDate>Sat, 07 Nov 2009 18:13:58 +0000</pubDate>
		<dc:creator>Nathan</dc:creator>
				<category><![CDATA[Household Money Saving Tips]]></category>
		<category><![CDATA[Compact fluorescent]]></category>
		<category><![CDATA[energy saving]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[household]]></category>
		<category><![CDATA[light bulb]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.pocketbookpinch.com/?p=36</guid>
		<description><![CDATA[Forget the initial cost and start saving huge money by switching your house over to compact fluorescent today! Every hour you don't you are throwing away serious cash!

Click the title to read more!]]></description>
			<content:encoded><![CDATA[<!-- Easy AdSense V2.82 -->
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<div class="ezAdsense adsense adsense-leadin" style="float:right;margin:12px;"><script type="text/javascript"><!--
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src="http://pagead2.googlesyndication.com/pagead/show_ads.js">
</script></div><p>Compact fluorescent bulbs or &#8220;CFL&#8217;s&#8221; are becoming more and more popular daily as the average consumer realises that using the older standard light bulb is not very cost effective and can be a little irritating.</p>
<p>Before the last 5 years or so, standard light bulbs were all that was available and were seen as a part of your everyday life and budget. Sure you had to replace it every year and sure it technically burned a lot of energy, but with no alternative, no one knew the difference.</p>
<p>But when the first compact fluorescent bulbs were introduced onto the market, they were both very expensive, hard to find and gave off a type of light that was not very comfortable for your eyes.  But through time and as they gained popularity, these disadvantages were ironed out. What also helped is some governments banning the sale of the standard lightbulb after a certain date.</p>
<p>Sure the compact fluorescent bulb was still more expensive than your average everyday 50 cent incandescent bulb, but it also consumed only 13watts of power when compared to the 60watts consumed by the older bulb. If you have a house with 20 bulbs as an example, you will be saving 940watts per hour. Say you use them for 6 hours a day for a year and you will save 61758000 watts/hours  per year! Now I know that people will not be having 20 bulbs blazing for 6 hours, but you can certainly see how it will add up over time.</p>
<p>Also you need to realize that compact fluorescent bulbs have an average lifespan of 50,000 hours whereas the standard long life incandescent bulb is only 2000 hours. So, you will be changing a incandescent bulb 25 times before you change a compact fluorescent.</p>
<p>With compact fluorescent bulbs being priced at about $2 now for 50000 hours use, it is a far better deal that replacing a 50 cent bulb 25 times which results in an approximate cost of $12.50.</p>
<p>So with operating costs and energy savings, the bulb pays for itself on average in SIX MONTHS! Then everything from there is cash back in your pocket.</p>
<p>Forget the initial cost and start saving huge money by switching your house over to compact fluorescent today! Every hour you don&#8217;t you are throwing away money.</p>
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		<title>Synthetic Motor Oil will Save You Money</title>
		<link>http://www.pocketbookpinch.com/automotive-money-saving-tips/synthetic-motor-oil-will-save-you-money/</link>
		<comments>http://www.pocketbookpinch.com/automotive-money-saving-tips/synthetic-motor-oil-will-save-you-money/#comments</comments>
		<pubDate>Sat, 31 Oct 2009 22:03:58 +0000</pubDate>
		<dc:creator>Nathan</dc:creator>
				<category><![CDATA[Automotive Money Saving Tips]]></category>
		<category><![CDATA[oil]]></category>

		<guid isPermaLink="false">http://www.pocketbookpinch.com/?p=31</guid>
		<description><![CDATA[How would you like to save money on your oil changes, have a cleaner running engine and increase you fuel economy? This article will point out what are the two mina synthetic oil myths and how you can use synthetic oil properly to save you money in the long run and raise the resale value of your vehicle.

Click the title to read more.]]></description>
			<content:encoded><![CDATA[<!-- Easy AdSense V2.82 -->
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<div class="ezAdsense adsense adsense-leadin" style="float:right;margin:12px;"><script type="text/javascript"><!--
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<script type="text/javascript"
src="http://pagead2.googlesyndication.com/pagead/show_ads.js">
</script></div><p>When it comes to conversation about changing your engine oil to synthetic, the most often thing commented on is that changing to synthetic will make your engine leak and it costs too much money. Both of these comments are untrue.</p>
<p>To start off about the engine leaking myth, if your engine is poorly taken care of and not maintained, a leak might occur when synthetic oil cleans the sludge plugging a leak in a poorly conditioned seal which was destroyed by poor engine oil maintenance. This is not the fault of the synthetic oil seeing it is doing what it was supposed to do and keep your engine clean. But mind you, people that don&#8217;t take care of their engines in most cases don&#8217;t bother with the change to synthetic seeing they are too cheap to take care of their vehicle right from the beginning. The people that have to be warned is a person buying a used vehicle without knowing the previous maintenance history.</p>
<p>With that being said, any well maintained engine can be changed over to synthetic at practically any mileage if properly maintained. The leak myth came from the 70s when the first synthetic oils tended to shrink engine seals due to improper formulation. But remember, that was 30 YEARS AGO! The myth has lived on through pure ignorance and propagated by people that in the first place don&#8217;t know a damn thing about motor oil and was just passing on a complete lie. So now you know the truth. If you have taken care of your engine, you shouldn&#8217;t have any problems. But remember, if you haven&#8217;t taken care of your engine in the first place, you might think twice about synthetic.</p>
<p>The second point people need to realise is that when synthetic oil is properly utilized, it is actually a cheaper oil change. Take for instance a standard conventional oil change. Say you change your oil every 5000 miles and it costs you $30. With a synthetic oil change, you can easily double the amount of miles you put on that one oil change seeing synthetic is made to go for longer change intervals without losing proper lubrication. And seeing synthetic will always help you fuel economy, when adding that together with the money you save from doing one oil change for double or more mileage, you see in the end you will save money. Synthetic oil changes are never double the price of a conventional change and if they are, then go to a different oil change place seeing they are lying to you.</p>
<p>So you add it up that you get better protection, better fuel economy, longer oil change intervals that save your time and you can see that a synthetic oil change does save you money and results in a better overall running engine.</p>
<p>You can&#8217;t beat that deal.</p>
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		<title>Saving Money on your Oil Changes: Part 2</title>
		<link>http://www.pocketbookpinch.com/automotive-money-saving-tips/saving-money-on-your-oil-changes-part-2/</link>
		<comments>http://www.pocketbookpinch.com/automotive-money-saving-tips/saving-money-on-your-oil-changes-part-2/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 20:15:23 +0000</pubDate>
		<dc:creator>Nathan</dc:creator>
				<category><![CDATA[Automotive Money Saving Tips]]></category>
		<category><![CDATA[automotive]]></category>

		<guid isPermaLink="false">http://www.pocketbookpinch.com/?p=26</guid>
		<description><![CDATA[




If you haven&#8217;t read the first part of this article, please do so now before reading this section.
Now that you have realised that most oil change places will rip you off by telling you to change your oil too often, the best way to get good information is to read your car&#8217;s owner&#8217;s manual. In [...]]]></description>
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<div class="ezAdsense adsense adsense-leadin" style="float:right;margin:12px;"><script type="text/javascript"><!--
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<script type="text/javascript"
src="http://pagead2.googlesyndication.com/pagead/show_ads.js">
</script></div><p>If you haven&#8217;t read the first part of this article, please do so now before reading this section.</p>
<p>Now that you have realised that most oil change places will rip you off by telling you to change your oil too often, the best way to get good information is to read your car&#8217;s owner&#8217;s manual. In there you will find the true information needed to see how often you should change it.</p>
<p>Most car companies will know a lot more than any oil change place filled with under paid workers all managed by a commissioned shop manager than get a cut based on how many oil changes and extras he can get from the population in total over a year. The more the store makes, the more he makes. This is how you see why he won&#8217;t be an unbiased source for information.</p>
<p>Read your manual, follow their guildlines and save money. some cars have an oil life monitor and in most cases, it is ideal and works great. If you have this features, use it and don&#8217;t think you know better than it seeing you don&#8217;t.</p>
<p>Now an additional bit of misinformation is the life of your oil based on time and not mileage. When it comes to this, use common sense. If you have only driven 1000 miles and it has been 3 months and a guideline states you should change your oil&#8230;&#8230;don&#8217;t! There is no way your oil is depleted, dirty or need of a change and all you are doing is dumping money and good oil down the drain. If you put less than 5000miles a year on your engine due to it being a seasonal car/truck or you just don&#8217;t drive much, changing the oil every year or in the worst cases every 6 months will be more than sufficient. If it is a seasonal car, change the oil at the end of the season before storage, then drive it for the whole next season and repeat.</p>
<p>To boil things down, oil will not change in 3 months if it is lightly driven and remember, the oil has more than likely been on the shelf for a year and you don&#8217;t see oil on the shelf going bad. Now I know in the crankcase it is a slightly different story but you get the picture.</p>
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		<title>Saving Money on Your Oil Changes</title>
		<link>http://www.pocketbookpinch.com/automotive-money-saving-tips/saving-money-on-your-oil-changes/</link>
		<comments>http://www.pocketbookpinch.com/automotive-money-saving-tips/saving-money-on-your-oil-changes/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 06:40:23 +0000</pubDate>
		<dc:creator>Nathan</dc:creator>
				<category><![CDATA[Automotive Money Saving Tips]]></category>

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		<description><![CDATA[




When it comes to saving money on maintaining your car, a false comment is usually spread around to pacify unknowing customers to change their oil more often than needed. What comment is that? The comment is &#8220;Oil Changes are cheap insurance for a good running engine.&#8221; If you haven&#8217;t heard it yet, you will in [...]]]></description>
			<content:encoded><![CDATA[<!-- Easy AdSense V2.82 -->
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</script></div><p>When it comes to saving money on maintaining your car, a false comment is usually spread around to pacify unknowing customers to change their oil more often than needed. What comment is that? The comment is &#8220;Oil Changes are cheap insurance for a good running engine.&#8221; If you haven&#8217;t heard it yet, you will in the future.</p>
<p>Sure, I will admit, oil changes are crucial and are needed to maintain a good running engine, but the going 3000mile or 3 months mileage and time interval to change your oil was a limit set back in the 1960s and still are thought of as the truth in North America. But did you know the standard oil change interval for the same oil in Europe is over 8000-10000miles and sometimes over a year!!!</p>
<p>Yes, that is right.  Your eyes are not playing tricks on you. Even though they basically use the same oil as us and go for so long without an oil change, their overall engine failure and lifespan numbers are essentially the same as ours. Their engines last just as long, and fail exactly the same as ours. The only difference is they are not paying triple to quadruple the oil changing costs FOR THE SAME PROTECTION.</p>
<p>As this is just an introdution to this topic, I will be adding more to it in the upcoming days as I expand why you should save your money and not dump good oil out of your crankcase till you know it is ready to be changed and not by some sticker on your windshield that in the end will help pad the oil change businesses pockets and fleece you of you well-earned money.</p>
<p>Stay tuned.</p>
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		<title>Welcome to Pocketbookpinch.com</title>
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		<pubDate>Mon, 19 Oct 2009 03:28:35 +0000</pubDate>
		<dc:creator>holyone</dc:creator>
				<category><![CDATA[General]]></category>

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PocketbookPinch.com is a website dedicated to helping the reader learn more about saving money in their day to day life through household, automotive, financial and social tips and tricks. You will see how living well and being cost effective can be made easy. What do you have to lose other than more money?
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</script></div><p>PocketbookPinch.com is a website dedicated to helping the reader learn more about saving money in their day to day life through household, automotive, financial and social tips and tricks. You will see how living well and being cost effective can be made easy. What do you have to lose other than more money?</p>
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