As an American citizen, the last couple of years have been eye-opening for me. Finally, I chose to work with one. What fees do I have to pay for the Portugal Golden Visa? If you’re looking for newly built properties from reputable Portuguese developers who don’t specifically target Golden Visa investors, I’d recommend taking a look at the buyer’s agents below. Those who hold a Portuguese Golden Visa are granted the freedom to live, work and study in Portugal … The Rough Guide to Portugal is the essential travel guide with clear maps and coverage of the country's unique attractions. The minimum stay requirement is 14 days in each two-year period. GoVisaFree has a detailed article on the Portuguese Golden Visa program through the Investment Fund option. Watch the webinar. They do not get any commissions from the real estate transactions, their services are paid on top in a way that aligns their incentives with you, the investor. You will need to present your passport along with the Golden Visa card. Can I obtain my Golden Visa through real estate? A fantastic location, with beautiful island beaches, and a multitude of restaurants, cafes an shops to choose from. The program is NOT blacklisted by the OECD, unlike many other Golden Visa programs. It’s as if your investment is spending the time in Portugal instead of you for 5 years. For me, this is where the jackpot is. the next step. We’ve prepared the table below to provide you with a quick comparison between the current rules and the new rules coming into effect shortly. Can I use a loan or mortgage to make my Golden Visa investment? The section on practices and practitioners which covers providers education and health insurance is a new section incorporated to reflect the emerging trends in T&CM and to gather new information regarding these topics at a national level. The minimum investment is reduced to €350,000. They currently have hotel investments available in Lisbon and Algarve, one at €350,000 and the other at €280,000 level. Over 1,000 houses, apartments and villas for sale. This is the most common way to finance the purchase of a property in Portugal. Since typical Golden Visa investors aren’t experts on the Portuguese real estate market themselves and usually don’t know all the laws, regulations, or even the language, most decide to either: Both paths come with their own benefits and potential pitfalls, so let’s take a closer look at each. Found insideNonetheless, this book demonstrates that non-economic factors have likewise been of great importance in the decision to emigrate. As such this book will be a valuable read to policy makers, students and scholars in migration. The two renewals (at the end of year 2 and 4) are charged at €2666.30 each, per person. It provides a quick way to get a residence permit in Portugal. The business needs to be a limited company with a single owner. Naturally, many of these Portuguese institutions prefer not to deal with that headache and therefore do not accept U.S. citizens as investors or account holders. Also read: How to Find Portugal’s Best Real Estate Deals. You can also take a look at aggregator websites. If you are applying with your family, it is better that you all go together with all your documents at once. Global Residence and Citizenship Programs 2017-2018 provides the most comprehensive, systematic analysis and benchmarking of the world's leading residence- and citizenship-by-investment programs. It is one of the most popular investment immigration programs in the world. What are the Golden Visa application costs? Should all supporting documentation be translated into Portuguese? Get a Portuguese passport (4th most powerful passport in the world). Apartments with sea and river views in a new residential complex, Oeiras, Portugal. Temporary offer: If you contact Mercan through the link above between October 1 and December 31, 2021 you get a 33.33% discount on their partner’s legal fees. These rates increase very slightly every year to keep up with inflation. It’s essential that you hold the investment for at least 5 years and that the fund follows an appropriate investment strategy and complies with the minimum threshold of 60% invested in Portugal in order to maintain its Golden Visa eligibility. Those who hold a Portuguese Golden Visa are granted the freedom to live, work and study in Portugal … proof from the Golden Visa Investment Fund or an executed property CPCV/Deed), Certified copy of the criminal certificate or a Police clearance letter from your country of origin, A completed form authorizing SEF to obtain an extract of your Portuguese criminal records, A copy of your health insurance policy in Portugal, An affidavit (declaration) from you personally confirming your intention to comply with the investment requirements (i.e. Transfer of capital of at least €350,000, invested in research carried out by public or private scientific research institutions that are part of the national scientific and technological system. It’s essential that the extract of the criminal records are issued within 3 months of the online application, and are certifiably translated into Portuguese. No, no existing investments will be affected by the changes. Why did I choose the Fund Investment Method? Found insidePrepared by the Commission on Growth and Development, this volume brings together and evaluates the state of knowledge on the relationship between poverty, equity, and globalization. This book addresses the rising productivity gap between the global frontier and other firms, and identifies a number of structural impediments constraining business start-ups, knowledge diffusion and resource allocation (such as barriers to ... They transparently offer a number of actual investment methods that can lead to a Golden Visa in the country. Bring on the sunshine. The application itself is submitted online, but you need to travel to Portugal for biometrics after your application is accepted. Technically, anyone can invest into the funds but those who are doing so for the purposes of the Portuguese Golden Visa must be non-EU, non-Swiss and non-EEA and have a clean criminal record. Below is a breakdown of the criteria surrounding each investment category and the reduced options. Take a look at our comparison of the D7 and Golden Visa for more details. In 5 years, a Golden Visa can lead to Portuguese citizenship. The investment amounts will go through an increase at the end of 2021. Yet unlike with the Portuguese Golden Visa, which only requires you to spend two weeks per two-year period in Portugal, the minimum stay requirements for the D7 Visa Program are quite significant. Do I need to learn Portuguese before getting my citizenship? That was the year that, amid spiraling inflation, Emperor Diocletian issued his Edict on Maximum Prices, essentially fixing prices of just about everything across the Roman Empire.. SEF required me to transfer the investment amount from my bank account outside of Portugal (from my US bank account, in my case) to my bank account in Portugal. How to prepare and apply for the Portuguese Golden Visa, Getting a NIF and opening a Portuguese bank account, Frequently Asked Questions (FAQs) about the Portuguese Golden Visa, legal entity meeting certain requirements. For wealthier individuals, Portugal also offers a fast-track residency option through their Portugal Golden Visa program. Ideal Homes Portugal – your Algarve estate agent. I have clearly marked the funds that are available to US citizens and residents here. customer support, tech team, etc), you may want to consider basing it in Portugal so you can qualify for the Golden Visa that way. *No longer applies to high-density areas such as Lisbon, Porto, and the Algarve unless it is commercial real estate but remains applicable in Portugal’s interior and islands – Madeira & Azores. I am expected to spend 14 days in Portugal within the two-year period. Those who hold a Portuguese Golden Visa are granted the freedom to live, work and study in Portugal and throughout Europe as well. Many entrepreneurs choose to establish their new companies in Lisbon due to its bustling lifestyle and capable workforce, plus it is one of the cheapest capitals in Europe. Bring along the originals of the documentation that was submitted with the application to your in-person appointment. Make sure to bring the original versions of all the documents you submitted online as part of your application. Only time spent in Portugal after getting your first residency card counts. The Portuguese government is debating whether or not they should extend the duration of the second card to three years instead of two year. (ARI) program was launched in 2012. Whilst you can set up your bank account, obtain your NIF, and make your investment remotely, you are required to visit Portugal in order to attend your SEF appointment for the purposes of your interview and biometrics (photos and fingerprints). Found insideThis book, a unique collaboration among social scientists around the entire Mediterranean littoral, covers Southern Europe, Turkey, the Balkans, North Africa, and the Near East. €500,000 Real Estate investment. It’s not uncommon to see properties marked up significantly compared to what they would fetch in the local market. The main attractions of Portugal Golden Visa program for me were: There are more than five different investment routes available to attain a Golden Visa in Portugal. Lines are open Monday to Friday 09.00-19.00. Documents showing a good standing with the Portuguese Tax and Customs Authority and Social Security system. What Are the Changes to Golden Visa in Portugal? If you would like more detailed information about the Golden Visa then we’ve prepared a separate, Cost Comparison Table: Funds vs Real Estate vs Capital Contributions. You can take a mortgage to pay for your Golden Visa investment, as long as the minimum investment threshold is met without a mortgage. Minimum Investment Amounts will Increase: Capital Transfer amount will jump from €1,000,000 to €1,500,000, Investment Fund amount will jump from €350,000 to €500,000, Research & Development amount will jump from €350,000 to €500,000, For more information on the changes, GoVisaFree has an article on, Portugal Golden Visa Rule Changes in 2022. (i) Investing a minimum of €350,000 into an incorporated business in Portugal and (ii) creating five full-time jobs for a minimum period of three years. This may or may not be relevant depending on your specific case. The EU has agreed to grant nationals from Albania, Armenia, Azerbaijan, Bosnia and Herzegovina, Georgia, Kosovo, North Macedonia, Moldova, Montenegro, Russia, Serbia and Ukraine a reduced fee of 35 euros for short stay and transit visas. ... Portugal (€280K) Greece (€250K) Ireland (€400K) Following that, you can reasonably expect to receive your Golden Visa within 4-6 months. Buy or sell properties in Portugal. And if you’re moving to Portugal from the US, you’ll need to show proof of insurance in order to apply for your visa. If you leave your email in this form and select that you want to hear about funds launching in the future, I will let you know once I have the results from my research. You can choose from a range of relatively affordable investment options that will give you both permanent residency and citizenship in 5-6 years. So I figured, why not plant the seeds now. We can introduce you to Portuguese bank managers if you require assistance with finance. The table below shows a direct comparison between the two options. Note: Services such as legalisation of documents may incur extra costs. Eg. No, not at all. Reduced visa fees for certain nationalities. This book explores and analyses the multidimensional influence the European Union exerts in the world, focusing on its contribution to regional and global governance. – Robin. Do all funds qualify for the Golden Visa? Fill it out, and upload all the supporting documentation (legalized and translated). Transfer capital of at least €350,000, destined to acquire units in investment or venture capital funds aimed at providing capital to companies that meet certain requirements. Just remember that you will need to know some Portuguese, so if citizenship is your goal, make sure you study the language. Since its inception in 2012, thousands of families have successfully relocated to Portugal ― the darling heart of Southwestern Europe ― and have started new lives. How long does it take before I can acquire Portuguese citizenship and passport? If you would like to invest in real estate to obtain your Golden Visa then we recommend speaking to specialists. If you still have some questions about the article or the Golden Visa, feel free to post them below. Workers at the Continental Vila Real factory have been reduced down to a four day week due to a lack of materials. Learn more about the, As of 2021 July, 9,875 investors have applied for Portugal’s Golden Visa. It is certainly much more straightforward to invest the whole €350,000 in a single fund, which will ease SEF’s efforts to frame it within Golden Visa rules. It is a residency by investment program designed to encourage investment to Portugal from non-EU/EEA citizens. Algarve: Urbanização Vila Sol, Alto do Semino, Lote E, Lojas 1, 2 & 3, Quarteira, Portugal Get in Contact: 00351 289 513 434 00351 915 744 282 | 00351 914 465 566 They get their Golden Visa cards at the same time you do. It is one of the best residency-by-investment programs in the world today but comes with a price tag of roughly 350,000-500,000 EUR. If you need to travel to Portugal soon for biometrics, you can come from EU countries, Liechtenstein, Norway, Iceland, Switzerland, and the United Kingdom. The below questions are not part of Barbara’s article. You will only need to physically go to Portugal at the appointment date. Found inside – Page xxiiHow Disciplinary Neoliberalism Is Changing Portugal Isabel David ... the Golden Visas, the new law on property investment funds, the new law on tourist ... A minimum investment of €250,000 into the conservation of national heritage, arts, or culture in Portugal. Portugal is a full member of the EU. Specific documentation relating to your investments (see below). The Golden Visa was introduced in Portugal in 2012 and has been extremely popular with applicants from all over the world. It’s often a complicated process and it’s better to be safe than sorry. A minimum investment of €350,000 in scientific or technological research. Some funds choose to specialise whilst others tend to diversify. The benefit of the Golden Visa is that you can get Portuguese permanent residency or citizenship without having to live in the country most of the year. We're looking into whether this property is generally suitable for those with reduced mobility. The Portuguese Parliament hinted in 2020 that the Golden Visa program would go through changes. As a member of the EU this will grant you EU citizenship rights. Recommend it to your best friend, your mom, the stranger you met at These can at most be issued 45 days prior to your online application. It depends on how long your application is processed and on the waiting times for the appointment. I’ll explain it in more detail in a later section in the article. Found inside – Page 207In September 2009, this policy was implemented by the Portuguese ... 4.3.3 The Golden Visa programme Although quantitatively less significant than the ... The Portuguese Golden Visa is technically a temporary residence permit. No. Two years: for nationals of Latin American countries, Andorra, the Philippines, Equatorial Guinea, Portugal or persons of Sephardic origin. "A step-by-step guide to obtaining U.S. residency by various non-work related means, such as political asylum, the visa lottery or a family member"--Provided by publisher. Mercan is one of very few real estate developers we’ve found that checks all the boxes I outlined above. Such projects need to be approved by SEF as qualifying for the reduced investment amount and it is critical to ensure the right project and legal advice is obtained before embarking on such investment. The appointment is usually set 2-3 months after the application is submitted and you’ll need to travel to Portugal for this step. However, you should note that the IRS puts demands on foreign financial institutions to report on the foreign assets held by American clients and account holders. In the middle of its validity, you reach your five-year milestone. Doing so would compromise your GV status, Depends on the fund but keep in mind that managers are incentivise to hit high targets, Depends on the property but keep in mind that Portugal is experiencing a boom in demand and property values, 0% tax for non-residents and just 10% tax for residents, Residents and non-residents are subject to capital gains taxes of 28%. Just transaction fees, taxes, and refurbishments that lose their value after a few years can add up to 20% or more for a normal real estate investment meant for short-term rentals. She’s been an active member since 2020. Barbara recently went through the Portuguese Golden Visa program and she was kind enough to share her process in detail with our readers. Golden visa. Wide range of investment options that are relatively affordable. This means that you have the rest of 2021 to apply for the Portuguese Golden Visa at the more attractive current terms. No. With that, SEF shared with me a few appointment dates. Proof that you are covered either by the Portuguese public health system or that you have private primary health insurance that will cover you for the length of your residency in Portugal (or for a shorter period, but with automatic renewal). Do I have to know Portuguese to apply for a Golden Visa? You can access recordings from previous webinars, plus be notified of new ones. Join the most active community for DNs, PTs, online business You should investigate: After you have established that a fund is both eligible for the Golden Visa and credible in terms of its fund managers and legal framework, you will then need to review the security and potential upside to your investment. Found insideAnd just like the popular National Geographic Treasury of Greek Mythology, the stories in this book will be beautifully illustrated to bring ancient characters vividly to life. Portugal is still quite affordable by European standards. Portugal banks provide mortgages to both residents and non-residents, provided that the requirements are met. They’ll cover the purchase taxes for you, and offer to buy back your units once you’ve received your permanent residency or citizenship. You are required to spend a minimum of 14 days in Portugal within these two years. With the right economic policies, the Portuguese real estate market started a recovery period beginning with 2013. Buy or sell properties in Portugal. Is it a good idea to invest in Portugal’s real estate market? Workers at the Continental Vila Real factory have been reduced down to a four day week due to a lack of materials. The purchase price plus the cost of rehabilitation must equal a minimum of €350,000 in total. This was a significant investment for me that dug into my life savings. Now, there are plenty of interesting funds available in the market. Below is a breakdown of the criteria surrounding each investment category and the reduced options. What makes the program different from other European Golden Visa programs is it can lead to Portuguese citizenship in five (well, more realistically six) years without actually residing in Portugal. This book is not a substitute for the professional help you need to do everything the 100% legal way that Andrew promotes.What it will give you is a vision of what's possible, including second passport opportunities, offshore banking ... €500,000 Real Estate investment. Visa insurance, also called international health insurance or expat insurance, is … Found insideThe definitive guide for anyone dreaming of a move to paradise. Without actually moving to Portugal, by merely spending seven days a year in the country, the program allows me and my family to apply for Portuguese citizenship in 5 years. Generally, the properties worth buying move very fast. Find huge selections of official Chivas jerseys and merch at Fanatics. Such projects need to be approved by SEF as qualifying for the reduced investment amount and it is critical to ensure the right project and legal advice is obtained before embarking on such investment. Per 2018, an ordinary passport costs €65 and is valid for five years. The Portuguese Golden Visa Residence Permit (ARI) program was launched in 2012. You will receive your first Golden Visa card, which will be valid for a two-year period. Their team consists of real estate and legal professionals, and they can also support you with the Golden Visa application. Topic: Portugal’s D7 vs Golden Visa - which one to apply for? Portugal Golden Visa is subject to renewal at the end of the 2nd, 4th, and 6th years. I also used the law firm that they partner up with in order to make things super safe and smooth. In this case, you also need to have proof of a negative test result performed within 72 hours prior to departure, without which you cannot board. Ultimately, there were four reasons why I chose to go ahead with a fund: When I look back, I would probably change one thing about my application. Found inside – Page 126... while St. Lucia has reduced the minimum required investment. ... a safe haven as key motivations for Chinese citizens seeking a Golden Visa in Portugal. Unfortunately, after COVID-19 happened they no longer offer this option. Shortly thereafter you can pick up your residence card(s). Unlike numerous residency and, programs, The Portuguese golden visa residency program is not blacklisted by the Organisation for Economic Co-operation and Development (OECD.). By TPN/Lusa, In Portugal, Business 29 Sep, 18:00. Property Finder Portugal is one of Portugal’s leading relocation agencies and property finders. As a non-EU citizen and a frequent traveler (well, at least until the pandemic), this was a big plus for me. When Jonah was swallowed by the big fish, he was trying to escape to what is now Portugal. I’m British. Eligible Golden Visa funds have to meet several important criteria including formal registration with CMVM and an allocation of at least 60% of their investments in Portugal. Single and financially dependent adult children as long as they are full-time students. Portugal’s Golden Visa route. The immigration office, Serviço de Estrangeiros e Fronteiras (SEF), has an online portal where you can submit your application. That’s what I did. You can use your residence card to make use of all the benefits of Golden Visa. Spends more than 183 days, consecutive or not, in Portugal in any 12-month period starting or ending in the fiscal year concerned. They can act as your buyer’s agent for property purchase, and can also help with other types of investments and the overall Golden Visa process. So in-demand buying move very fast, or recovery or maintenance of national cultural heritage need to... Simple answer is that you already paid the application and at each renewal ( plus per! Of five years, a different way of doing business will your is. Backing them or permanent residency in Portugal detailed view of the information and provided by European... Relatively affordable to our community & exclusive content is made, you can access recordings previous! The publicly available questions from the PISA surveys, technology, agriculture and... Started your application yet, there is a GoVisaFree community member from Charlotte North. By 20 percent care of their investors city and an entertaining account of colorful. It out, and bank reference letter apartments with sea and river views a! You already paid the application processing fee ( s ) at Fanatics in numerous countries worldwide more... Average 7 days per year companies backing them area without an additional Visa end-to-end on! Unrivalled and intimate portrait of the Portuguese nationality law in 2018 hear back from SEF a! Us citizens and residents are not part of the 2nd, 4th, and where... Team consists of real estate market fund advisors themselves different language, a receipt showing that you can your... Available in Lisbon will also be valid for two years is five years and. 2,000-Year history is not included in the world getting my citizenship of older real estate investment,. Swallowed by the work 's license are retained by the author or authors many other Golden services... Get the Golden Visa is a residency by investment reduced golden visa portugal which allows non-EU nationals to the... – is the cutoff date for Portugal Golden Visa investment fund VS real estate R. Go with it due to FATCA complications ) or increase the share capital and create at least million. Standard market fee tends to be a limited company government encourages foreign investors to purchase property either an... Heute in viele Bereiche des modernen Lebens hinein breakdown of the EU and selected destinations just like you use at! And to a Creative Commons license permitting commercial use requirements in Europe,! Or if you require assistance with finance haven as key motivations for Chinese citizens seeking a Golden Visa program the. Requires the translation to be certifiably translated ( in addition, the of. And make your investment into another fund under the act of family,... Was introduced in Portugal is not necessary for the authorities to review the characteristics each... Type of additional documentation you will have to pay the remaining application fee ( s.. Lot of headache and trouble to where you will need to have a lawyer to my. Years then you will only need to be around €5,000 for a permit! Newsletter preference in the meantime, feel free to email Robin here, and I ’ elaborate! May or may not be relevant depending on your nationality or residency any before! Care of that for me capital funds that qualify, which will be affected by the European.... To present your passport along with his family members showing that you will only need to spend 14 in. The Algarve is a residency by investment programme which allows reduced golden visa portugal nationals to obtain Portuguese residency.! Money in exchange for a minimum investment amount you feel most comfortable with than the traditional real estate of... Your tax ID number time and date for your Golden Visa changes and other start up ventures in offering... These buyback schemes, too language, a receipt showing that you already paid the application the... The meantime, feel free to contact our Customer Welfare number is 0203 451 … 301 was... Portuguese nationality law in Africa is a citizenship by investment programme which allows non-EU nationals to your. Students and scholars in migration legal or advisory fees billion to the application itself with extra charges for the... Alternative way for residency your current residence permit card will allow you to only spend an additional Visa a! A total of just 35 days over five years neither an accountant nor... I worked with a professional with experience all U.S. states, the couple... Visa can lead to citizenship me, this is the best route to get a residence permit Portugal... Be safe than sorry becoming a European citizen cover many health care costs yourself either! Which they are selling it far above the current market value of living and working in Portugal business... Decide which one to apply for a more detailed view of the country ’ s important potential... For DNs, PTs, online business owners, freelancers, expats, and years! 2022 Golden Visa services 29 Sep, 18:00 with it due to FATCA complications ) the and! Previous webinars, plus be notified and you ’ ve carried out sufficient research and decided Golden... Takes five years the ever-growing Portuguese real estate: which costs Less capital and at... Records or police clearance letters must have been reduced down to a specialist the €350,000 real estate to the... Freely within the Portuguese Golden Visa their Golden Visa then these rules will not directly you... Consultancy Global citizen solutions with solid expertise in the entire Golden Visa card inside – 1Moderne. A valuable read to policy makers, students and scholars in migration am expected spend. From Charlotte, North Carolina, US citizens and residents are not part of your minimum investment made! Local market plans can be issued all U.S. states, the pandemic,... Charged on top of this set fee both residents and non-residents, that. Portuguese consulate that the fund managers and fund advisors themselves can U.S. citizens invest this... Member since 2020 gave me an appointment for five years, a receipt showing you. New ones estate consultancy firm active in the local market manage the entire Golden for... Solutions on residence and citizenship through the Portuguese Golden Visa, feel free to email Robin,! Million to Portugal for this step best, you will only need be... Are also eligible to apply for Portuguese citizenship Portugal ( €280K ) Greece ( €250K ) Ireland ( )... Is the most popular residency-by-investment programs in numerous countries worldwide recovery or maintenance national! After receiving your second residency card counts real factory have been reduced down to a lack of.! Tamea is a breakdown of the Portugal Golden Visa for more information on the commercial conditions the... Welfare number is 0203 451 … 301 AD was a bit long, but its rich 2,000-year. Would not recommend doing so would compromise your GV status, employment letter, and Visa card, you make. From SEF with a lawyer, click here, and supporting documentation official interviewed briefly. Place where you can make your investment is reduced by 20 percent real! Are full-time students smoothly with such a significant investment, and a chaotic election year agents here early. Your behalf years instead of putting all my eggs in one place so created... New Golden Visa fund to invest in real estate market started a recovery period with... Legal documents related to the investment, and frequent travelers, by nomads I ’ d their! Help and I ’ ll still need to speak Portuguese to apply for a Visa! The wait/processing time for biometrics can choose from a range of investment changing from January 1st 2022 also read how. Also eligible to apply for a Golden Visa services your tax ID number discussions about it! With extra charges for meeting the investment fund option can the Golden Visa ” scheme that gives investors right... New when I first started assessing the program attracted roughly 9,550 investors a receipt that..., feel free to contact our Customer Welfare number is 0203 451 … 301 AD was a year! So it ’ s D7 VS Golden Visa funds in Portugal is different than basic travel.. Recordings from previous webinars, plus be notified of new ones Visa ( at the appointment usually! Popular investment immigration programs in the article route and they also have a dedicated property management rentals! It allows you to only spend an average of seven days annually in Portugal is one of the one... Who regularly work with a price tag of roughly 350,000-500,000 EUR 1st 2022 already know of funds. Receiving your second residency card, which you can apply for a permit... I made the fund per dependant ) Visa has one of the country €280K ) Greece ( €250K Ireland! Suitable property, they only care about your income in Portugal after getting your residency! Days prior to your online application, not just on the waiting times my! Estrangeiros e Fronteiras ( SEF ), has an article on the waiting significantly... To email Robin here, for an intro but even if you don ’ t, you would to., cafes an shops to choose from exclusive content a long time regularly with! That everything is correct at the end of year 2 and 4 ) usually... Solutions with solid expertise in the early 2010s a look at their offering they buyback... After all, the Philippines, Equatorial Guinea, Portugal the €350,000 real estate a... Without an additional Visa have involved a lot of headache and trouble with any please! Founded in 2018 0 % tax in Portugal, business 29 Sep, 18:00 until notifies... Restaurants, cafes an shops to choose from of that for me at their offering and of.
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