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Important Tips for Filling Out the FAFSA

Important Tips for Filling Out the FAFSA

In Ep. 249 of the Mullooly Asset Podcast, Brendan and Tom speak about a few necessary totally different subjects.  They start by giving some essential notes about filling out the FAFSA, speak about a key flaw they found in an experience with a tax preparer, and the significance of hanging on to the lagging funds in your portfolio.

Present Notes

‘If the IRS is Reviewing My Tax Return, How Do I Complete the FAFSA?’ – NJ.com

‘Retirement Savings Contributions Credit (Saver’s Credit) – IRS.gov

‘Assume Twice Before You Ditch That Laggard Fund in Your Portfolio’ – Jeffrey Ptak – Morningstar

Necessary Ideas for Filling Out the FAFSA – Transcript

Tom Mullooly: Welcome to the Mullooly Asset Administration podcast. That is episode quantity 249. Thanks for tuning in. I’m considered one of your co-hosts, Tom Mullooly, and alongside me is … Truly, not alongside me, however across from me-

Brendan Mullooly: Yeah. We’re usually across the table, but-

Tom Mullooly: That’s proper.

Brendan Mullooly: I’m here too, Brendan Mullooly.

Tom Mullooly: Brendan Mullooly and Tom Mullooly are here to paint the phrase picture for you.

Brendan Mullooly: Yes, and I need to begin off by discussing an NJ.com article that you simply recorded pretty extensively. Is that right?

Tom Mullooly: You’re right sir.

Brendan Mullooly: Alright. So fill us in, this was on the FAFSA, right?

Tom Mullooly: Yes. We do get lots of questions from shoppers asking concerning the FAFSA and the FAFSA is type of a shifting goal. Necessary to know when you’ve got youngsters who’ve gone by means of the school system already, issues have modified.

Brendan Mullooly: So this falls into the school planning bucket once we’re taking a look at a shopper’s state of affairs.

Tom Mullooly: Right.

Brendan Mullooly: Taking a look at their financial plan.

Tom Mullooly: My advice to the parents who cling around the espresso pot or the water cooler at the workplace and say, “when my youngsters went to school this is how we did it”, don’t say that anymore because issues have modified. One of many massive problems with doing the FAFSA annually prior to now, when you have been filing it, they usually often would inform you within the calendar yr file as early as you’ll be able to because the faculties have a limited amount of monetary help. In the event you can file by January 31st it is best to or file as soon as you’ll be able to in January.

Brendan Mullooly: Which means the FAFSA type?

Tom Mullooly: File the FAFSA.

Brendan Mullooly: And by extension of that your federal revenue taxes as properly, right.

Tom Mullooly: Right.

Brendan Mullooly: As a result of they need that info on the FAFSA.

Tom Mullooly: That’s right. Let’s just return in time and say its 2013 or 2014 or 2015, you would need to have your taxes full or pretty much on their option to being accomplished in January whenever you go to file the FAFSA so for those who didn’t have your taxes achieved they ultimately added an choice that stated “will file” and what would happen is your scholar’s FAFSA type can be accepted but the school would normally send out some sort of financial package deal award letter in late April or Might 1st you’d get it and when you hadn’t filed your taxes otherwise you needed to get an extension they often acquired a letter saying “hurry up and get your taxes accomplished so you possibly can update your FAFSA info”. It was an actual drag.

Brendan Mullooly: It’s robust as a result of while the school or soon to be school scholar I’m positive needs to make their determination and things like award packages are going to issue into that huge time you additionally need to get that in is what I’m saying. You also don’t need to rush one thing like your federal revenue taxes because-

Tom Mullooly: Completely not.

Brendan Mullooly: Chances are you’ll, and lots of doubtless aren’t ready to file taxes in January. That’s very early.

Tom Mullooly: Years ago when this enterprise was getting off the ground and also you have been a scholar in class I used to be all the time getting an extension to file-

Brendan Mullooly: Right.

Tom Mullooly: In order that sort of messed with the timing of the award packages. Also,-

Brendan Mullooly: Many people get flustered by this, it’s rather a lot, so it looks like an imperfect trade-off. I’m both going to attend to listen to about this school stuff, which is essential to me and my youngster, or I’m going to hurry my federal revenue tax returns which is going to make me careworn.

Tom Mullooly: Yeah.

Brendan Mullooly: Anyway, because we might not even have all the knowledge we’d like like 1099’s and things like that on the time of yr it’s worthwhile to do it so what do you do as a result of it looks like it’s a rock and a hard place.

Tom Mullooly: Before we get to that I will inform you that I might virtually determine perfectly which shoppers had college students in class or about to go to high school as a result of they often referred to as the primary few days of January “when am I getting my 1099, because I’ve to file the FAFSA”.

Brendan Mullooly: In March, my good friend.

Tom Mullooly: Yeah, they didn’t like that. So FAFSA has modified their phrases and now you need to use your previous yr’s tax return info so that’s actually good. So in the event you’re filing now we’re recording this in March of 2019 most people at the moment are filing the 2018 taxes, you need to use your 2017 return.

Brendan Mullooly: Proper, and then ultimately they’ll ask you for the 2018 return. Is that how this works?

Tom Mullooly: No. Every part is predicated off the previous yr, there’s a yr lag-

Brendan Mullooly: Right.

Tom Mullooly: So your financial help package deal might be based mostly for the 2019 and 2020 faculty yr is predicated on your 2017 return. All the time be a yr lag.

Brendan Mullooly: Fascinating to account for whenever you’re eager about belongings you’re doing which have tax implications in these years. That would both be advantageous or not relying on … some individuals have one off occasions which will dramatically impact-

Tom Mullooly: Positive.

Brendan Mullooly: The sort of assist they’re getting in the event that they’re displaying a lot more revenue for one calendar yr if they took an enormous distribution from a retirement account or had one thing abnormal come throughout the cash stream over the course of the yr.

Tom Mullooly: They lost their job or they started a new business and there’s no revenue, rather a lot much less to point out that may also skew the numbers as nicely.

Brendan Mullooly: Yeah, these selections have ripple results so it’s essential to think about these. Not prime of thoughts typically if you’re making these selections however you consider this tax yr is going to influence this yr of the FAFSA and you may type of map out and perhaps think about those ramifications if you’re considering. This is the reason financial planning is “complete” as a result of these areas all have overlap. Whether it looks like it on the floor or not.

Tom Mullooly: Yeah. Such as you stated there’s a ripple effect all by means of. Completely off matter but I knew that once I began the enterprise back in 2002, I had labored for Morgan Stanley, I borrowed a lot of money, I used to be in a state of affairs the place my automotive began falling aside and I had to purchase a automotive and I needed to borrow money to get a automotive. I knew that I had to do it pretty quickly because sooner or later my credit was going to vary because of a change in my revenue and a change in my state of affairs.

Brendan Mullooly: Right.

Tom Mullooly: So you actually need to consider these things because a job change, a retirement, all this stuff have far reaching implications and never something that you’d instantly consider.

Brendan Mullooly: Additionally, not one thing that traditionally individuals have come to anticipate an funding advisor, financial planner, it’s not one thing that folks come to our office to speak about a number of occasions but their stunned at the scope of what we’re taking a look at when it comes to their life and funds. That is not an business of name me on the telephone so I can sell you one thing. We’re taking a look at all of the areas of a person’s life and this could. And this can-

Tom Mullooly: What inventory obtained upgraded at

Brendan Mullooly: Proper.

Tom Mullooly: This morning. You recognize.

Brendan Mullooly: Individuals don’t care about that however they do care about stuff like this where you’ll be able to present them the impression of a choice and why we should always not simply wing it with stuff like this and try to plan out as greatest we will. I do know life is throwing us curve balls in any respect moments but-

Tom Mullooly: This is along the identical strains of when do you have to contemplate the timing of a Roth IRA conversion?

Brendan Mullooly: Yeah.

Tom Mullooly: When you have a state of affairs where you’ve acquired a reasonably normal quantity of revenue this yr, next yr there’s going to be an enormous drop off since you’re getting a retirement package deal or one thing’s happening, that could be the window to-

Brendan Mullooly: A one yr alternative to do something that would have far reaching implications on your future. This is future tax free revenue that isn’t going to be subject to required minimal distributions so it might impression how a lot taxable revenue you’re displaying in retirement which might influence how much of things like social safety is being taxed or what bracket you’re in at that time and that in itself impacts withdrawal rates and the place you wanna take belongings from so when you’ve got an opportunity to do something like which you could plan for it.

DISCLAIMER: Tom Mullooly is an funding advisor representative with Mullooly Asset Management. All opinions expressed by Tom and his podcast visitors are solely their very own opinions and do not necessarily mirror the opinions of Mullooly Asset Management. This podcast is for informational functions only and should not be relied upon as a basis for funding selections. Shoppers of Mullooly Asset Administration might keep positions and securities discussed on this podcast.

Tom Mullooly: So this stuff do have ripple results. I like that phrase, we’re going to use that some extra but these Roth IRA’s Brendan they’re tough for some individuals.

Brendan Mullooly: So I’ve had a problem lately. My girlfriend has a Roth IRA, has been getting her taxes completed this week and the preparer at a very massive tax agency that everybody knows, you see their commercials all the time.

Tom Mullooly: Proper. We gained’t say their identify but their initials are H&R Block.

Brendan Mullooly: Anyway they have been making an attempt to tell her that she will deduct these contributions that she’s been putting into her Roth IRA which in fact we all know just isn’t true. She knows it’s not true and has been sharing this with this guy like, “Hey, I don’t assume that that’s proper. I’ve by no means deducted these before, I don’t assume that their deductible since money goes into these accounts after tax. That’s not how this works”, and so I put out a tweet final night time sort of making fun of the whole state of affairs, we’re handling it and it’s all wonderful but one factor that was delivered to my attention.

Tom Mullooly: Are you Twitter shaming H&R Block over this? What are you doing-

Brendan Mullooly: I didn’t tag them but I did identify them in the tweet. Anyway, one thing that a good friend brought up, Andrew Miller, who we’ve mentioned on the podcast before-

Tom Mullooly: Good friend of the agency.

Brendan Mullooly: Good friend of the agency, I did the Alpha Architect March for the Fallen with him, he’s really in touch with taxes and is aware of his stuff and one factor that he replied was, “Is your girlfriend eligible for the retirement savers credit score?”.

Tom Mullooly: This is truly an actual level.

Brendan Mullooly: This type of cool which is why we needed to deliver this up.

Tom Mullooly: Yeah.

Brendan Mullooly: I stated I don’t assume so however I’m going to look just to make certain as a result of I’d never heard of this earlier than. So Andrew despatched me a hyperlink, it’s on the market on Twitter.

Tom Mullooly: Just comply with Brendan.

Brendan Mullooly: We’ll hyperlink to the IRS web page within the present notes too. Principally the best way that this works is you possibly can contribute to a number of retirement plans, whether or not this is an IRA, Roth IRA, your 401okay at work, you are able to do 457, 403b, an entire host, principally all of them but there’s a strict record on the IRS website you’ll be able to reference. So how this works, this savers credit score, for retirement savers credit score is that in case you are age 18 or older, you are not a full-time scholar, no one else is claiming you as a dependent on their tax return you might be eligible to get a tax credit score, not a tax deduction, on your retirement plan contributions and the rate at which you get this credit score is between 10 and 50% of no matter your contributions have been with a $2000 most for the credit. In order that’s the max that you simply’re going to get. This is all based mostly on your adjusted gross revenue.

Tom Mullooly: So probably the most you would get would be-

Brendan Mullooly: A $2,000 credit. Should you make, clearly the credit is on the market to assist individuals with lower incomes, however should you match into these specs, just for instance you can, for those who had a 30, in the event you’re a single individual and also you had a $30,000 adjusted gross revenue and you set $3,000 into your Roth IRA over the course of the yr, you would get a $300 tax credit score on your contributions to a Roth IRA where you’re going to get tax free revenue sooner or later, no tax deduction but you’re getting a dollar for dollar reduction $300 off of the revenue tax that you simply owe for that yr. I did now find out about this. It’s on the market for individuals and particularly I feel it could possibly be one thing that youthful individuals need to pay attention to and these are sometimes the sort of people who find themselves using a Roth IRA.

Tom Mullooly: Positive. Should you’re a youngster and you’ve received money like this you’re in all probability going to qualify on thresholds and also you’ll get a tax credit. You possibly can’t be claimed as a dependent in your mother and father return.

Brendan Mullooly: Acquired to be over 18.

Tom Mullooly: Yeah, you got to be over 18, 19, 20 but like-

Brendan Mullooly: Right.

Tom Mullooly: These school students who’re working and doing a responsible factor or someone who’s just out of faculty working on that starter wage.

Brendan Mullooly: Chuck it into a Roth.

Tom Mullooly: Yeah, should you do that you would be able to get a credit and most people will inform you that at tax credit score is extra helpful than a deduction that you simply’re going to get.

Brendan Mullooly: I assumed this was a reasonably cool wrinkle, not something that I was aware of. Didn’t fix our drawback with H&R Block but fairly cool and one thing that I discovered on Twitter that I assumed was value sharing and so we’ll have a hyperlink to extra details on this when it comes to how the AGI breaks down for the IRS. Obviously, verify together with your tax professional who I hope is a good skilled or your investment advisor, ideally both, earlier than you consider doing stuff like this but its value testing. Pretty cool stuff.

Tom Mullooly: I assume you also needs to discover out if your tax preparer is on Twitter.
Brendan Mullooly: Yeah.

Tom Mullooly: What’s your Twitter deal with? I’m going to comply with you for a couple of days earlier than I allow you to at my return.

Brendan Mullooly: Yeah, critically.

Tom Mullooly: So I have a question, when are we getting Ptak on the podcast?

Brendan Mullooly: I might love to have Jeff Ptak of Morningstar on this podcast or Tim’s Dwelling with Cash podcast. We’ve had his colleague at Morningstar, Christine Benz on-

Tom Mullooly: That’s proper.

Brendan Mullooly: Tim’s show and we mentioned their work, both of them, respectively.

Tom Mullooly: I feel we’ve cited Jeff’s work a minimum of 3 or four occasions in simply the last couple of months.

Brendan Mullooly: Principally Jeff places out a new article and it’s virtually all the time something that I wanna convey to the table to discuss on the podcast with you and so that’s the case at present. New article out from Jeff this morning and we read it and needed to return share some particulars.

Tom Mullooly: Don’t ditch that dangerous penny.

Brendan Mullooly: Yeah. Right. The title on this submit is “Assume Twice Before You Ditch That Laggard Fund in Your Portfolio” which is oftentimes precisely what individuals need to do.

Tom Mullooly: Positive.

Brendan Mullooly: I wanna chuck this factor, it hasn’t been working.

Tom Mullooly: Every part else is up.

Brendan Mullooly: Right.

Tom Mullooly: This factor is approach behind.

Brendan Mullooly: Yeah.

Tom Mullooly: Let’s just eliminate it and we’ll transfer the money some place else.

Brendan Mullooly: Right.

Tom Mullooly: That’s music to a brokers ears.

Brendan Mullooly: Yeah, because it’s a transaction, it makes good sense. I’m not going to say that that is all the time not the best transfer and that’s definitely not what Jeff is suggesting either however what he is saying is that previous efficiency doesn’t equal future outcomes and regardless of what number of occasions we are saying that phrase is our business we all nod our heads after which we still just take a look at previous efficiency once we’re making an attempt to pick a new investment.

Tom Mullooly: Right.

Brendan Mullooly: For whatever cause I don’t assume it’s ever going to go away but the concept for this publish came because back in 2008 there was a reasonably good research that confirmed establishments, institutional buyers have been pretty dangerous when it comes to hiring and firing their own managers and that is the behemoths of the investment world. They’re making poorly timed selections when it comes to once they hearth a manager and rent a brand new one from that second ahead the fired supervisor goes onto carry out higher than the one which they hired.

Tom Mullooly: There’s an analogous analogy. I assume S&P now manages the Dow members once they kick a company out of the Dow the subsequent 12 months the one that acquired dropped tends to outperform the names that obtained added.

Brendan Mullooly: Yeah. Imply reversion and clearly not something you could bank on, not going to work 100% of the time nevertheless it does shed some mild on perhaps selections which were made that weren’t made for the proper causes.

Tom Mullooly: However you consider it, when would you ditch a mutual fund? In all probability after a period of underperformance.

Brendan Mullooly: Right. You’re in all probability not promoting your winner.

Tom Mullooly: Generally you’re piling extra money into the winner.

Brendan Mullooly: For those who’re reinvesting dividends or for those who’re taking proceeds from a loser you’re in all probability piling right into a winner or if not something that you simply personal that was a winner something outdoors of your portfolio that has just lately carried out rather well because it’s simply human nature. I don’t assume individuals are out there, there not in search of “Wow, wow, let me discover the worst performing mutual fund I might find”.

Tom Mullooly: I do know that mutual funds are going to be diversified they usually’re going to be a sure extent balanced within their universe-

Brendan Mullooly: Fashion box.

Tom Mullooly: Yeah, in their type field, but should you consider in rebalancing your portfolio, and let’s just say you’ve gotten a portfolio of shares. Should you subscribe to the concept you rebalance you’re going to peel some money off of the winners and add to the things that have not been performing very properly so you’re shopping for at lower ranges. Here’s what we frequently discuss with in the business because the sensible cash doing just the other.

Brendan Mullooly: Yup.

Tom Mullooly: They’re hanging onto the lengthy terms winners, OK, however they’re ditching the losers.

Brendan Mullooly: Yeah, and so what Jeff needed to take a look at was because the establishments are doing this one would presume that individual buyers are definitely doing something comparable and that appears to be the case based mostly upon the info.

Tom Mullooly: Yeah.

Brendan Mullooly: So everyone’s doing this. It’s not the sensible cash being silly its, nicely it is, however it’s all of us being silly, throughout the board.

Tom Mullooly: Wouldn’t it’s great if we might just say, “Hey, this fund actually underperformed last yr. Let’s watch it for the subsequent 12-18 months and if it recovers then we’ll move on”.

Brendan Mullooly: Nicely then you definitely’ve missed-

Tom Mullooly: Right.

Brendan Mullooly: You’ve missed the factor. That sounds great.

Tom Mullooly: Sounds nice.

Brendan Mullooly: Seems like good market timing to me. I don’t assume that’s how it works though.

Tom Mullooly: Yeah.

Brendan Mullooly: For those who’ve missed the restoration you then’ve missed the recovery.

Tom Mullooly: No, I’m saying for those who owned a fund and it went down and also you didn’t promote it and also you’re eager about selling it now.

Brendan Mullooly: Oh, OK.

Tom Mullooly: As an alternative of selling this as we speak, we’re going to put in writing this down March in, a yr from now, March of 2020.

Brendan Mullooly: I really like this idea truly simply write down all the the reason why this fund sucks.

Tom Mullooly: Precisely.

Brendan Mullooly: Say why you wanna get out, why it stinks and then don’t do anything.

Tom Mullooly: And then don’t do something.

Brendan Mullooly: And take a look at it once more in 6 months.

Tom Mullooly: 6, 12, 18.

Brendan Mullooly: Whatever it is, that is one thing I had my weblog launched last week and Michael Batnick principally defined this is how he combats what he calls his inner liar which is all of us have this bias the place we rewrite historical past to fit our narratives so the best way that Michael says that he combats this is he would write down all these thoughts that he had about why he was doing sure things, sure trades that he was doing and now with the ability to look back on that, the chronicles of that in hindsight just satisfied him that, “I have to do means, approach less of this because oh my God, take a look at this garbage that I wrote”.

Tom Mullooly: Yeah.

Brendan Mullooly: “What was I doing?” In the event you don’t write it down, in case you don’t write “Listed here are all the explanations I needed to bail on this fund” and also you determine to sell it or you determine to hold on you’re going to rewrite it. For those who don’t sell it you’re going to be like, “I knew all alongside that it was a short lived blip and that I ought to just grasp in there”, but in reality you needed, with every fiber of your being to drop that thing-

Tom Mullooly: Get out of that factor.

Brendan Mullooly: A yr ago and it may be reinforcing to read that sort of stuff and it perhaps will information you to not act in your impulses in the future.

Tom Mullooly: I additionally assume that that sort of is a reminder. Once we speak with people about what the anticipated band could also be, hey this fund may be working in a sure collar, it’s going to be, if the markets down this could possibly be down extra or if the market’s up this could possibly be up more. I don’t wanna get into specifics like if it’s down more than 5% we’re going to promote it but you get the thought how this stuff stream. Some things are simply not going to correlate with the rest of your portfolio, overlook concerning the market, they’re simply not going to correlate with the remainder of your portfolio.

Tom Mullooly: So there’s going to be some issues, we’d like a reputation for this, let’s name it the Jay Bruce Effect. On the finish of the season Jay Bruce has 30 house runs, OK, the problem is he hits 11 in April, 0 in Might, 7 in June, you get the thought. Then he’ll hit 1 in July, 14 in August, he’s on the duvet of some magazine. The returns as you wish to say “are lumpy” relying on the place you’re drawing the road – hey in this calendar yr this fund really did horrible. Is it really a purpose to get out of this factor? This might be the secret sauce that really subsequent yr might give your portfolio a pleasant kick.

Brendan Mullooly: It’s all the time robust to reply the question of when and the way or if things are going to imply revert and I feel that the best way that I attempt to take a look at it is the broader your considering I feel the more you’ll be able to lean on an idea like mean reversion but even then it’s squishy and it’s by no means going to work on the timeframe that you really want however for those who’re considering of asset courses, like shares and bonds or like U.S. stocks and international stocks or giant cap and small cap shares, we’re getting somewhat more specific right here but these sort of issues actually do are likely to ebb and movement. In case you’re speaking about a person stock I feel there’s a stat out there that 60% of individual stocks underperform the speed of T-Payments over a stretch of time.

Tom Mullooly: Positive.

Brendan Mullooly: So ready for mean reversion in particular person stock names I feel is a nasty concept.

Tom Mullooly: Yeah. Have lots of popcorn.

Brendan Mullooly: Right. You may be ready a long time.

Tom Mullooly: A very long time.

Brendan Mullooly: Or perpetually. Simply to circle again to a number of the stuff that Jeff was speaking about when it comes to stats. He seemed from 1996 to 2018 at over 15,000 share courses of lively U.S. equity mutual funds across all fashion and measurement packing containers, later parsed it out by their groupings particularly, but he looked at fund efficiency and fund flows to determine the hired versus fired standards and he checked out these funds versus out performance versus their benchmark versus their friends to find out the hired funds, that they had flows and the way did they carry out versus these benchmarks. Across both standards whether or not measured towards the benchmark or their peers you saw the same impact where earlier than, it was a before and after. So earlier than the hired funds out carried out, in order that they displayed this out performance and then after they’re hired they display beneath efficiency. This even was accounted for, he did one iteration of this the place he eliminated the lifeless funds because a number of the fired funds have been accounting for survivorship bias by not including funds that have been lifeless as failures which they have been because they have been closed.

Tom Mullooly: Right.

Brendan Mullooly: Even if you threw those in the hired funds still underneath performed even this group of funds that included a bunch that have been dead-

Tom Mullooly: Liquidated.

Brendan Mullooly: Or merged out of existence or whatever it might be. Previous efficiency, as Jeff says, is insufficient evidence on a standalone foundation to make these sort of choice however individuals do it on a regular basis. Individuals, not simply which means particular person buyers, because everyone likes to say how silly they are but in addition professionals in our area and as we eluded to the original research checked out institutional buyers so this is-

Tom Mullooly: That’s loopy.

Brendan Mullooly: That is prevalent across the board regardless of how skilled you’re as an investor. I feel perhaps it’s something innate in our human being that tells us we need to simply buy what’s worked and promote what hasn’t just lately and, like I stated, not all the time going to be a poor determination however I might assume twice and as Jeff’s suggests use some further standards whenever you’re making an attempt to make these selections.

Tom Mullooly: Good advice.

Brendan Mullooly: Sensible man Jeff Ptak.

Tom Mullooly: He will, I assume we should always just say he can be a future visitor on the podcast.
Brendan Mullooly: We’ll should go out to their convention this summer time in Chicago and meet him in individual. Perhaps we’ll twist his arm there.

Tom Mullooly: Perhaps.

Brendan Mullooly: Yeah.

Tom Mullooly: Choosing up some Gino’s pizza, some of these different names I’m drawing a blank on.

Brendan Mullooly: Take a look at the loop.

Tom Mullooly: Yeah. Good occasions.

Brendan Mullooly: My birthplace, Chicago.

Tom Mullooly: That’s right. Brendan hails from Chicago, ILL.

Brendan Mullooly: It’s true.

Tom Mullooly: Found him on a corner. Thanks for listening to episode 249 and we’ll catch you on the subsequent episode which will probably be 250. Ensure you’re sporting a celebration hat and streamers whenever you tune in. Massive get together. Speak to you then.

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