GANA DINERO, Sin Más
Excusas
V amos, Despierta ! ¡ V ¡Puedes Hacerte Carg o y Superar Para Siempre Tus Miedos Financier os! os!
JEAN CHATZKY
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OTROS LIBROS DE JEAN CHATZKY Pay It Down! The Ten Commandments of Financial Happiness Talking Money The Rich & Famous Money Book
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GANA DINERO, Sin Más
Excusas
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Chatzky, Jean Gana dinero sin más excusas. - 1a ed. - San Isidro : Triskel Press, 2011. 280 p. ; 23x15 cm. ISBN 978-987-22400-7-3 1. Economía. 2. Finanzas. I. Título. CDD 332 Fecha de catalogaci catalogación: ón: 01/04/2011 01 /04/2011
Título original de la edición en Inglés: MAKE MONEY Not Excuses Diseño de tapa de la edición original: Daniel Rembert Título de la edición en Español: GANA DINERO, Sin Más Excusas Es traducción de la edición redactada y revisada en idioma Inglés, publicada por Crown Business, an imprint of the Crown Publishing Group, a division of Random House, Inc., New York. Traducción al español: Karin Forster Handley Edición y corrección literaria: Cecilia B. Larrosa Editado por : TRISKEL PRESS Chubut 1045 San Isidro Buenos Aires - Argentina Tel.(54 11) 47234 723-1739 1739
[email protected] triskelpress.com Diseño interior: Magnolia Diseño Diseño de tapa: Estudio Cicloideas Foto de tapa: George Lange © 2006 Jean Chatzky © 2011 Raúl O. Mazzeo Queda hecho el depósito que establece la ley 11.723 Todos los derechos reservados. Ninguna parte de este libro podrá ser reproducida, archivada o transmitida en forma alguna o por ningún medio electrónico o mecánic mecánico, o, incluyendo fotocopiado, digitalizado, grabado, o por cualquier otro tipo de almacenamiento de información o sistema de recuperación u otros, sin previo consentimiento escrito del editor. Su infracción está penada por ley 11.723 y 25.446. 25.44 6.
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Este libro es para mi madre, con amor y admiración.
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CONTENIDOS
INTRODUCCIÓN
¿Por qué no eres más rica?
5
CAPÍTULO 1
“No sé por dónde empezar ”
21
CAPÍTULO 2
“El dinero me gusta – lo lo que no soporto son las cuentas”
38
CAPÍTULO 3
“Pero de eso se encarga mi esposo…”
69
CAPÍTULO 4
“Soy demasiado demasiado desorganizada como para ocuparme del dinero”
92
CAPÍTULO 5
“No tengo tiempo”
114
CAPÍTULO 6
“No tengo qué ponerme…”
134
CAPÍTULO 7
“Me encantaría encantaría empezar a ahorrar pero no sé cómo”
161
“Puedo manejar el dinero pero no me gusta el tema in v ersiones”
187
CAPÍTULO 9
“ Y Yaa soy muy grande – es es tarde para mí”
219
CAPÍTULO 10
“No quiero pensar en eso”
245
CAPÍTULO 8
MAPA DEL MILLÓN
262
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INTRODUCCIÓN
¿ Por
Qué No Eres Más
Rica ?
e tomó quince años de escribir sobre el dinero y el modo en que la gente debería utilizarlo, obtener la siguiente revelación: Si deseas hacerte rica, si lo que quieres es gozar de un mejor pasar que el que tienes hoy, tan sólo necesitas Así es, cuatro cosas solamente: necesitashacer hacer cuatro cosas. Así
M •
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•
parr a vivir vivir bie bien. n. N ece cessi tas ganar como pa qu e gan ganas as.. N ece cessi tas gas gastar tar menos de lo que nverr titirr el dine di nerr o que que no gastas de modo mod o que qu e esa su su ma Necesitas i nve trab tr abaje aje pa parr a ti tanto como tr abajas tú par paraa vivir. Y necesitas pr prote otecc ccii ón para ti y el el un unii ve verr so financiero que est ás creando, a f i n de que u n eve ven n tu tual al de dessas astr tr e peq equ u eñ o o grande- n o
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JEAN CHATZKY
8
podrás comenzar a enfocarte en las cosas de la vida que verdaderamente importan . Después de tener mi revelación, me detuve en eso por un tiempo. (Bien, les dejaré participar de un secretito: recibí mi revelación en el lugar donde suelo tener mis mejores ideas… ¡la ducha!) Mientras dejaba correr el agua caliente, sentía la sospecha de que cada mujer, cada persona desea un poco más de seguridad económica y la independencia que ésta podría proporcionarle. Así que la verdadera pregunta si es tan simple, ¿por qué no somos todos más ricos? Y aquí es donde la respuesta, en especial para las mujeres, es más complicada que la pregunta. En mi país, Estados Unidos, la mayoría de las mujeres está lejos de la riqueza. Todos hemos oído estadísticas desalentadoras: es…
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Al ju jubil bilars arse e, el el ingreso pr prome omedio dio de una un a muj mu j er pue puede de ser un 56 porr cie po ciento nto menor que el el de u n hombre de su su mi m i sma edad. Como r esu l tado de de l a dedicación al cui cuidad dadoo de l os hi j os y los padres mayores, las l as mujeres pierden cerca de U SD 650.0 650.000 00 en ganancias, promociones perdidas, aumentos y ben ben ef i ci cios os.. ocial al es l a ún Paraa una Par u na de cad cadaa cuatr cuatr o mujeres, l a segur i dad soci ún i ca gre eso. fuente de i n gr U n ter terci cioo más de muj mu j er erees qu quee h om ombr br es vi vive venn baj bajoo l a l ín ea de pobreza.
Escuchas estas cifras tan a menudo (muchas veces mencionadas por mí misma) que sería totalmente razonable que pensaras que esas son las razones por
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GANA DINERO, Sin Más Excusas
9
buena na para par a el el dinero.” “Sencillamente n o soy bue pasar ar por l a tensi tensi ón de pe pedi dirr aumento.” “Me cues cu esta ta pas esposo so (c ( com ompa pañ ñ ero er o o soci ocio) o) se ocu ocupa pa de nuestras finanzas.” “Mi espo apatos;; total , só sóll o se vive un a vez.” comprar ar esos zapatos “Me voy a compr puedo encontr encontrar ar un as organi ganizzado adorr o agente agente o ase esor f i nanci er o (u or “No puedo qu i en pue pu eda confiar.” abogado o contador o corredor de seguros) en qui tie empo par par a ocuparme de mi dinero.” “No tengo ti “No soy una persona de números.” mejor jor atributo.” “La organización n o es mi me “Odio el papelerío.” l ahorra.” “Yo compr compr o; é temo mo que si si yo man maneej ar araa el el din er o lo l o perdería.” “Me te porr dón po óndde empezar.” “No sé di ne nerr o ni pue puedo do hablar.” “De di manejj ar el dine din er o, pe perr o i nve nverr titirr me supera.” “Puedo mane es de demas masii ado de depr prii mente (o int i ntii mi dante o atemoatemo“Manejar el di n er o es r i zante o desbordante).” el din er o cuando m e case.” “Soy soltera; soltera; voy a pensar en el el din er o cu “Soy jov ove en; voy a pensar en el cuan ando do se sea m ás grande.” demasi ado mayor como para hacer una diferencia.” “Soy demasi “No tengo sufi ciente dinero como para hacer una diferencia.” el din dineer o es aburrido.” “Administrar el materr i ali sta; el dine din er o no me importa.” “No soy mate
Si estás sentada abriendo los ojos, encogiéndote, o meneando la cabeza
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10
JEAN CHATZKY
verdad es que durante muchos años si no salieron de mi boca, definitivamente rondaron mi cerebro con sus desagradables tentáculos evitando que me lo estoy viendo- que probablemente pensarás: de pusiese en acción. Y sé – lo ningún modo. Pero también sé que en algún lugar de San Francisco, una mujer llamada Liz está asintiendo con su cabeza. Ella era mi mejor amiga en la universidad y mi compañera de cuarto en Brooklyn cuando andábamos por nuestros veinte años. Y es la que sufría cuando yo no pagaba la cuenta del teléfono o del cable y nos cortaban un servicio (o los dos). Liz lo sabe. Pero estoy segura que los que me ven en televisión o me leen en revistas donde les digo lo que tienen que hacer con su dinero piensan que salí así del vientre materno, que mi cordón umbilical era una cinta de máquina registradora o que mi sala en la maternidad estaba empapelada con billetes de dólar. Ojala fuera el caso. Nada más lejos de la verdad. Inicié mis estudios pensando en ser analista de sistemas o ingeniera. El primer año obtuve calificaciones muy bajas en la clase de programación y me convertí inmediatamente en especialista en lengua inglesa. En mi primer trabajo fuera de la universidad, como asistente editorial de la revista Working Woman, ganaba USD 11.000 al año. Ciertamente no era mucho, pero ganaba algo extra escribiendo historias por mi cuenta y preparando niños para sus exámenes de ingreso. Mi renta era de sólo USD 400 al mes. Debería haber sido capaz de manejarla. En lugar de eso, hice todo mal. No solamente me negué a pagar las cuentas, sino que acumulé deuda en mi tarjeta de crédito por un monto equivalente al salario de medio año. No comprendía el beneficio de pagar para dismi-
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GANA DINERO, Sin Más Excusas
11
mercado accionario estaba haciendo sus oleadas de mediados de la década de 1980. Y la la verdad que yo no sabía que al dejar mi trabajo debería haber transferido el dinero a otra cuenta de retiro – IRA IRA en Estados Unidos- o me aplicarían penalizaciones e impuestos. Ni siquiera fui lo suficientemente despierta como para perturbarme cuando el período de transferencia expiró expiró y me enviaron un cheque por el monto del saldo. Pagué los impuestos y con lo que me sobró adquirí algunos conjuntos nuevos. No sorprende que viviera al día, de un cheque de sueldo al otro. No quería pensar en mi dinero, y mucho menos hablar de él. El dinero era un fastidio, un problema, una preocupación, un estrés. Así que no te asombrará oír que unos años más tarde, cuando me casé, estuve encantada de ceder cada segmento del control financiero. Me había vuelto mejor a la hora de ganar dinero – duplicando duplicando y luego triplicando mi pequeño salario- pero no quería saber nada con él. Firmé para que me depositaran el cheque directamente en una cuenta de orden recíproca y dejé que mi esposo hiciera el resto. sustancialmente más que yo, tenía el deMe dije que dado que él ganaba sustancialmente recho de tomar todas las decisiones. Me convencí de que como él había realizado una movida brillante – comprado comprado Microsoft (acciones) cuando estaba en sus preliminares- tenía mejor puntería que yo para edificar nuestro bienestar. Muy segura me dije que dado que en el trabajo me pasaba el día reportando sobre dinero y finanzas, ya sabía bastante de ambos, así que en verdad no tenía necesidad de tratar con ellos en casa. Incluso me induje a creer que a él le gustaba le gustaba llevar las cuentas. (Mirando atrás, me doy cuenta de que siempre lo ponía temperamental.) Y mi razonamiento era que yo hacía otras cosas – las las
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12
JEAN CHATZKY
admitir que esa fue la razón que me movió allí (y porque me me avergüenza admitirlo, exploraremos este concepto detalladamente en el capítulo 3), es que mi sueldo había crecido a tal punto que igualaba el de él. Comencé a sentir que yo merecía saber qué estaba pasando con nuestro dinero. Empecé a percibir que él necesitaba poder contar conmigo tanto como yo contaba con él. Pero a esta altura ya era un poco tarde. Porque por no haberle prestado atención, estaba siempre preocupada por el dinero. Que si teníamos suficiente. Si había para irnos de vacaciones. Si lograríamos retirarnos. Si podríamos enviar los chicos al campamento de verano. Si teníamos como para salir a cenar un par de veces a la semana. Él decía que podíamos. Pero eso no evitaba que yo me despertase a la madrugada preguntándome si había recargado demasiado la cuenta de mi MasterCard o si efectivamente podríamos afrontar los gastos de la renovación del baño que comenzaría… mañana. Su- mado a esto, e sto, para ese entonces, mi matrimonio estaba por terminar. Sé que darme cuenta de eso también pesaba en mis noches de insomnio. Así que decidí crecer. Fui despacio, comenzando por las decisiones relacionadas con el dinero cercanas a mi zona de confort: los gastos. Empecé a guardar todas mis facturas y tickets para descifrar en qué estaba gastando – y
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GANA DINERO, Sin Más Excusas
13
sensación de que estaba a punto de, en cualquier momento, cometer un gran error. ¿Pero saben qué? Por cierto, cometí algunas pequeñas equivocaciones, pero ninguna de la cual no hubiese recuperación. Cuanta más información información reunía, mejor me sentía. Al estar más en control de mi dinero, me sentía más en control de mi vida. Desde ya que ese control control no era absoluto; no era invulnerable. La vida como tal no nos permite controlar todo. Y a menudo la vida te hace pasar por caminos ásperos. Pero sé que un buen fundamento hace más fácil transitar incluso por el sendero más escabroso. ¿El resultado? Por primera vez en muchos, muchos años no sólo mi patrimonio empezó a crecer sino que además a demás yo comencé a ser capaz de chequear ese crecimiento. Y el el hecho de que mis cuentas, la de ahorro y la de retiro, empezaran a engrosarse, me inspiró a engrosarlas aún más. Encontré mi “confianza monetaria”. Y esta confianza genera más dinero. De modo que – así sus así como puedo haberte ayudado [ la la autora se refiere a sus ] a escalar pequeñas consejos dados en en los medios y/o publicaciones – N. de la E. ] montañas de dinero encontrando la mejor hipoteca, eligiendo la tarjeta de crédito más conveniente, decidiendo el plan para financiar los estudios de tus hijos- ahora voy a ayudarte a subir a la cima más alta. Te ayudaré a tener un
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JEAN CHATZKY
14
empezamos por primera vez a sentir que merecemos un rol activo en la toma de decisiones relacionadas con el dinero. Por eso hoy en día en los matrimonios, se ha disparado el número de cuentas separadas. También, las mujeres empezaron por su cuenta a tener más control – comprando comprando autos, casas, ahorrando para su jubilación. Ya no se espera más que aparezca el marido o compañero apropiado. El que quiera compartir la vida con ella también podrá compartir su casa de estilo con tres dormitorios. •
Empezamos a querer tener fortuna. Está bien admitir esto. Por décadas muchas mujeres no lo creían así. Desear una abultada cuenta bancaria no era femenino. No se veía atractivo. Significaba que no necesitabas un hombre que te sostenga en la vida – ¿y ¿y qué hombre iba a querer una mujer que no lo necesitaba? Eso está cambiando. Finalmente, está comenzando a verse bien desear suficiente dinero para vivir confortablemente y poder solventar un buen estilo de vida para uno y su familia. Por fin está bien que las mujeres deseen ser ricas (siempre estuvo bien para los hombres). Hoy en día, nos referimos a “nuestro dinero”
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GANA DINERO, Sin Más Excusas
15
responsabilidad en los asuntos financieros. ¿De dónde proviene esta lógica (aun equivocada como pueda estar)? ¿Cómo puedes deshacerte de ella? •
•
Comienza a enriq uecerte: te brinda pasos prácticos para edificar una vida financiera saludable y próspera, una vez que has superado los obstáculos del camino. Mapa del Millón: te muestra con precisión cuánto dinero deberías ser capaz de reservar y el mejor modo posible de utilizarlo para ayudarte a lograr una vida mejor.
En la película El Milagro (Miracle) , Kurt Russell en el personaje de Herb Brooks, entrenador del equipo americano olímpico de hockey sobre hielo, ofrece a sus jóvenes jugadores universitarios una charla motivadora antes de que salgan a enfrentar al equipo ruso – ampliamente ampliamente aventajado y mucho más “Ell momento de ellos experimentado. “Muchachos, esta es su hora”, les dice. “E ya pasó. El de ustedes es hoy. Ahora salgan ahí afuera a fuera y asúmanlo.” Y desde
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16
JEAN CHATZKY
impedido hacer esos cambios. Yo las llamo las “aciones” – e incluyen organización , dilación , participación , motivación y comunica ción. Mira, manejar tu dinero no es más que una parte de manejar tu vida. Puede que no sea tu parte favorita. Pero debe hacerse, igual que vestirse cada mañana, sacar la basura todas las noches y visitar al ginecólogo una vez al año. Hacerlo de otro modo es irresponsable. Si no estás cuidando tu dinero, entonces tampoco te cuidas a ti misma. Y si no te cuidas a ti misma, puedes llegar a descuidar tus hijos, tu esposo o cualquier otro ser significativo, tus padres mayores, tus empleados o tus amigos – o sea, cualquier persona que amas. He visto un montón de mujeres atravesar esta suerte de despertar financiero, y yo misma lo he atravesado también. Y lo que he aprendido es que lo mejor de dar un paso al frente y comenzar a ocuparse del dinero de uno – sin sin importar el título de este libro- no es empezar a ganarlo (aunque lo harás). Lo importante es que te sentirás muchísimo mejor. Así es. Dar los pasos para encarrilarte en la senda financiera correcta te permitirá sacar el dinero de tu mente y tenerla libre para enfocarte en otras cosas más importantes de tu vida (muchas (muchas de las cuales son cosas que tener dinero te permitirá alcanzar).
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PREGUNTAS DEL GRUPO DE DINERO
BIENVENIDA A MI GRUPO DE DINERO Uno de los grandes problemas que tienen las mujeres con el dinero es que es un tema arduo de hablar. Antes teníamos ese problema con el sexo. Y entonces aparecieron esas comedias seriadas en el horario principal de la televisión, como Friends y Will Will and Grace (con el propósito de hablar de la vida pero en realidad todo tenía que ver con el sexo), y pegaron fuerte, y de pronto hablar
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PREGUNTAS DEL GRUPO DE DINERO
Desde ya que, al igual que en los buenos grupos literarios, también se habla de otros temas. Hijos. Planes para las vacaciones. El nuevo semáforo que instalaron en tal esquina. Hasta incluso (si tu Grupo de Dinero lo componen amigas íntimas) lleguen a hablar de sexo. Pero mayormente se habla de dinero. Piensa en tu grupo como esa parte de cada capítulo de Sex in the City City en
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GANA DINERO, Sin Más Excusas
19
Iniciar un Grupo de Dinero pasos a seguir? Si te interesa iniciar iniciar un Grupo de Dinero, ¿cuáles son los pasos •
Elije los miembros. Trata de incluir personas que desarrollen diferentes actividades y tengan distintas experiencias de vida. Mezcla mujeres que trabajan con madres amas de casa, solteras con casadas, madres madres con abuelas, mujeres sin y con hijos, emprendedoras con otras que trabajen en relación de dependencia, jóvenes y mayores. ¿Por qué? Porque aportarán experiencias de vida – y de dinero- distintas de las que todas podrán aprender algo. Los miembros de mi grupo van desde los
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JEAN CHATZKY
20
•
•
Invita a expertos. Es probable que haya muchas firmas inversoras y planificadores financieros a los que de verdad les encantaría muchísimo el asunto de tu grupo. Si vas a analizar algo sobre lo que ninguna participante está calificada para hablar, invita a alguien conocedor o experto en el tema para que conduzca la la charla. cha rla. Dile que buscas a alguien que eduque al grupo sobre un tema en particular y que responda a las preguntas de los miembros. Y, ¿quién sabe? QuiQuizás acabes encontrando el/la profesional que te gustaría contratar. Para más recursos visita mi sitio W eb. Junto con el lanzamiento de este libro voy a subir a mi sitio Web materiales para los Gru-
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CAPÍTULO 1
"No Sé Por Dónde Empezar"
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22
JEAN CHATZKY
También es típico que alguien pregunte: “¿Debería pensar en adquirir adquirir una cobertura de salud con seguro a largo plazo para mí o mis padres?” Pero hay algo que me preguntan más que ninguna otra cosa – siempre siempre lo preguntan. Nunca en primer término. En realidad, casi siempre al final… si la que lo pregunta a que el moderador diga: “Sólo
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GANA DINERO, Sin Más Excusas
23
Aquí es donde empiezas Estás en el lugar correcto. Aquí es donde empiezas. En este capítulo, te daré conjunto de herramientas en las que puedes basarte para tomar cual-
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24
JEAN CHATZKY
nada. Si ocasionalmente tropiezas con algo difícil – tacos tacos o chatitas, pantalón o falda- un poco de prueba y error (o llamar a una amiga íntima) íntima) resuelve el dilema. ¿Por qué eres capaz de tomar estas decisiones, grandes y pequeñas, con tal aplomo? Porque a lo largo de tu vida has aprendido que que hay para ti
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GANA DINERO, Sin Más Excusas
25
Es mucho más un enfoque del hemisferio izquierdo del cerebro. Trabajan del principio al fin, de izquierda izquierda a derecha, del punto A al B. Si les gusta Denzel Washington, y se enteran de que él está en una película nueva, eso basta para que compren el boleto para la función de cine. Si el producto final no es de su total agrado ellos, o bien adaptan la decisión para que sea máquina.”
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26
JEAN CHATZKY
No tienes que ser perfecta. No tienes que ser la mejor. No necesitas ser la mejor de ninguna clase. No necesitas ser la más viva.
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GANA DINERO, Sin Más Excusas
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JEAN CHATZKY
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GANA DINERO, Sin Más Excusas
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JEAN CHATZKY
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GANA DINERO, Sin Más Excusas
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
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The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
The world's largest digital library
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The world's largest digital library
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The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
The world's largest digital library
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The world's largest digital library
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The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
The world's largest digital library
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.