<?xml version="1.0" encoding="UTF-8"?>
<!-- This sitemap was dynamically generated on 25. apríla 2026 at 15:08 by All in One SEO v4.8.0 - the original SEO plugin for WordPress. -->

<?xml-stylesheet type="text/xsl" href="https://www.gama-rf.sk/default-sitemap.xsl"?>

<rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom">
	<channel>
		<title>GAMA Real &amp; Finance</title>
		<link><![CDATA[https://www.gama-rf.sk]]></link>
		<description><![CDATA[GAMA Real &amp; Finance]]></description>
		<lastBuildDate><![CDATA[Thu, 07 Apr 2022 21:07:21 +0000]]></lastBuildDate>
		<docs>https://validator.w3.org/feed/docs/rss2.html</docs>
		<atom:link href="https://www.gama-rf.sk/sitemap.rss" rel="self" type="application/rss+xml" />
		<ttl><![CDATA[60]]></ttl>

		<item>
			<guid><![CDATA[https://www.gama-rf.sk/ochrana-osobnych-udajov/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/ochrana-osobnych-udajov/]]></link>
			<title>Ochrana osobných údajov</title>
			<pubDate><![CDATA[Thu, 07 Apr 2022 21:07:21 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/blog/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/blog/]]></link>
			<title>Blogy</title>
			<pubDate><![CDATA[Sat, 07 Sep 2024 08:02:47 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/jesen-a-nehnutelnosti-oplati-sa-kupit-alebo-radsej-pockat/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/jesen-a-nehnutelnosti-oplati-sa-kupit-alebo-radsej-pockat/]]></link>
			<title>Jeseň a nehnuteľnosti: oplatí sa kúpiť alebo radšej počkať?</title>
			<pubDate><![CDATA[Mon, 27 Oct 2025 11:35:30 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/su-sluzby-financnych-sprostredkovatelov-naozaj-bezplatne-a-ako-to-cele-funguje/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/su-sluzby-financnych-sprostredkovatelov-naozaj-bezplatne-a-ako-to-cele-funguje/]]></link>
			<title>Sú služby finančných sprostredkovateľov naozaj bezplatné? A ako to celé funguje?</title>
			<pubDate><![CDATA[Tue, 29 Apr 2025 06:14:51 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/]]></link>
			<title>Domov</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:54:12 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/poistenie-nehnutelnosti-a-domacnosti-v-com-je-rozdiel-a-preco-ho-nezanedbavat/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/poistenie-nehnutelnosti-a-domacnosti-v-com-je-rozdiel-a-preco-ho-nezanedbavat/]]></link>
			<title>Poistenie nehnuteľnosti a domácnosti – v čom je rozdiel a prečo ho nezanedbávať</title>
			<pubDate><![CDATA[Sun, 09 Nov 2025 07:00:00 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/dochodok-pod-otaznikom-etf-fondy-su-riesenie/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/dochodok-pod-otaznikom-etf-fondy-su-riesenie/]]></link>
			<title>Dôchodok pod otáznikom? ETF fondy sú riešenie.</title>
			<pubDate><![CDATA[Tue, 01 Jul 2025 20:20:03 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/csob-kupuje-365-bank-od-jt-za-761-milionov-eur-velka-transakcia-na-slovenskom-bankovom-trhu/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/csob-kupuje-365-bank-od-jt-za-761-milionov-eur-velka-transakcia-na-slovenskom-bankovom-trhu/]]></link>
			<title>ČSOB kupuje 365.bank od J&amp;T za 761 miliónov eur: veľká transakcia na slovenskom bankovom trhu</title>
			<pubDate><![CDATA[Sat, 17 May 2025 08:55:10 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/kontakt/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/kontakt/]]></link>
			<title>Kontakt</title>
			<pubDate><![CDATA[Mon, 29 Sep 2025 09:18:20 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/team/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/team/]]></link>
			<pubDate><![CDATA[Mon, 29 Sep 2025 09:16:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/uvery/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/uvery/]]></link>
			<title>Úvery</title>
			<pubDate><![CDATA[Mon, 29 Sep 2025 09:14:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/financie/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/financie/]]></link>
			<title>Financie</title>
			<pubDate><![CDATA[Mon, 29 Sep 2025 09:13:56 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/preco-sa-oplati-zacat-investovat-este-pred-koncom-roka/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/preco-sa-oplati-zacat-investovat-este-pred-koncom-roka/]]></link>
			<title>Prečo sa oplatí začať investovať ešte pred koncom roka?</title>
			<pubDate><![CDATA[Mon, 24 Nov 2025 20:12:36 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/refinancovanie-hypoteky-v-roku-2025-kedy-sa-oplati-a-co-zvazit/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/refinancovanie-hypoteky-v-roku-2025-kedy-sa-oplati-a-co-zvazit/]]></link>
			<title>Refinancovanie hypotéky v roku 2025. Kedy sa oplatí a čo zvážiť?</title>
			<pubDate><![CDATA[Mon, 12 May 2025 19:51:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/cestovne-poistenie-mala-investicia-ktora-moze-zachranit-vasu-dovolenku-aj-penazenku/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/cestovne-poistenie-mala-investicia-ktora-moze-zachranit-vasu-dovolenku-aj-penazenku/]]></link>
			<title>Cestovné poistenie – malá investícia, ktorá môže zachrániť vašu dovolenku (aj peňaženku)</title>
			<pubDate><![CDATA[Fri, 13 Jun 2025 18:57:59 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/top-3-chyby-ktore-ludia-robia-pri-vybavovani-hypoteky/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/top-3-chyby-ktore-ludia-robia-pri-vybavovani-hypoteky/]]></link>
			<title>TOP 3 chyby, ktoré ľudia robia pri vybavovaní hypotéky</title>
			<pubDate><![CDATA[Mon, 21 Apr 2025 07:32:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/investovanie-pre-deti-ako-uz-dnes-mysliet-na-ich-buducnost/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/investovanie-pre-deti-ako-uz-dnes-mysliet-na-ich-buducnost/]]></link>
			<title>Investovanie pre deti: Ako už dnes myslieť na ich budúcnosť</title>
			<pubDate><![CDATA[Mon, 13 Oct 2025 19:19:11 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/novy-produkt-spolocnosti-uniqa-zivot-radost/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/novy-produkt-spolocnosti-uniqa-zivot-radost/]]></link>
			<title>Nový produkt spoločnosti UNIQA – „Život &amp; radosť“</title>
			<pubDate><![CDATA[Tue, 25 Mar 2025 00:33:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/vyuzite-pokles-akcii-na-lepsie-zhodnotenie-vkladov/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/vyuzite-pokles-akcii-na-lepsie-zhodnotenie-vkladov/]]></link>
			<title>Využite pokles akcií na lepšie zhodnotenie vkladov</title>
			<pubDate><![CDATA[Mon, 31 Mar 2025 17:47:18 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/partners/finportal/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/partners/finportal/]]></link>
			<title>Finportal</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 07:03:09 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/zmeny-v-stavebnom-zakone-v-roku-2025/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/zmeny-v-stavebnom-zakone-v-roku-2025/]]></link>
			<title>Zmeny v stavebnom zákone v roku 2025</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/ecb-pred-par-dnami-opat-znizila-urokove-sadzby/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/ecb-pred-par-dnami-opat-znizila-urokove-sadzby/]]></link>
			<title>ECB pred pár dňami opäť znížila úrokové sadzby</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/danove-priznanie-2025-ako-usetrit-na-daniach-vdaka-ulavam-a-bonusom/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/danove-priznanie-2025-ako-usetrit-na-daniach-vdaka-ulavam-a-bonusom/]]></link>
			<title>Daňové priznanie 2025: Ako ušetriť na daniach vďaka úľavám a bonusom?￼</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/zivotne-poistenie-platite-poistku-alebo-ste-poisteny/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/zivotne-poistenie-platite-poistku-alebo-ste-poisteny/]]></link>
			<title>Životné poistenie &#8211; platíte poistku alebo ste poistený?</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/co-moze-ovplyvnit-poistne-plnenie-zo-strany-poistovne/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/co-moze-ovplyvnit-poistne-plnenie-zo-strany-poistovne/]]></link>
			<title>Čo môže ovplyvniť poistné plnenie zo strany poisťovne?</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/servisovanie-starych-zmluv-preco-je-dolezite-nezabudat-na-minulost-ked-planujeme-buducnost/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/servisovanie-starych-zmluv-preco-je-dolezite-nezabudat-na-minulost-ked-planujeme-buducnost/]]></link>
			<title>Servisovanie starých zmlúv – prečo je dôležité nezabúdať na minulosť, keď plánujeme budúcnosť?</title>
			<pubDate><![CDATA[Mon, 14 Apr 2025 09:15:00 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/hypotekarny-trh-na-slovensku-v-roku-2025-aktualne-uroky-financovanie-a-vyvoj-cien-nehnutelnosti/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/hypotekarny-trh-na-slovensku-v-roku-2025-aktualne-uroky-financovanie-a-vyvoj-cien-nehnutelnosti/]]></link>
			<title>Hypotekárny trh na Slovensku v roku 2025: Aktuálne úroky, financovanie a vývoj cien nehnuteľností</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnosti/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnosti/]]></link>
			<title>Nehnuteľnosti</title>
			<pubDate><![CDATA[Sat, 25 Jan 2025 12:56:43 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/dvojpodlazny-dom-a-investicny-pozemok/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/dvojpodlazny-dom-a-investicny-pozemok/]]></link>
			<title>Dvojpodlažný dom a investičný pozemok</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 17:29:26 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/preco-vyuzit-sluzby-financneho-sprostredkovatela/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/preco-vyuzit-sluzby-financneho-sprostredkovatela/]]></link>
			<title>Prečo využiť služby finančného sprostredkovateľa?</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/3-izbovy-byt-blizko-prirody/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/3-izbovy-byt-blizko-prirody/]]></link>
			<title>2-izbový byt blízko prírody</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 17:26:28 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/zmena-zdravotnej-poistovne/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/zmena-zdravotnej-poistovne/]]></link>
			<title>Zmena zdravotnej poisťovne 2024</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/poistenie/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/poistenie/]]></link>
			<title>Poistenie</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 18:33:19 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/dochodkove-sporenie/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/dochodkove-sporenie/]]></link>
			<title>Dôchodkové sporenie</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 18:21:04 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/3-izbovy-byt-blizko-centra/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/3-izbovy-byt-blizko-centra/]]></link>
			<title>3-izbový byt blízko centra</title>
			<pubDate><![CDATA[Sat, 07 Sep 2024 08:20:52 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/dan-z-nehnutelnosti-v-roku-2025-povinnosti-terminy-a-postup-podania-priznania/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/dan-z-nehnutelnosti-v-roku-2025-povinnosti-terminy-a-postup-podania-priznania/]]></link>
			<title>Daň z nehnuteľnosti v roku 2025: Povinnosti, termíny a postup podania priznania</title>
			<pubDate><![CDATA[Mon, 17 Mar 2025 06:46:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/investicie/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/investicie/]]></link>
			<title>Investície</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 17:58:23 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/prenajom-2-izbovy-byt-v-centre-ziliny/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/prenajom-2-izbovy-byt-v-centre-ziliny/]]></link>
			<title>PRENÁJOM 2-izbový byt v centre Žiliny</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 17:30:27 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/malebna-chalupa-v-obci-velke-rovne/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/malebna-chalupa-v-obci-velke-rovne/]]></link>
			<title>Malebná chalupa v obci Veľké Rovné</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 17:29:55 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/4-izbovy-byt-na-sidlisku/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/4-izbovy-byt-na-sidlisku/]]></link>
			<title>4-izbový byt na sídlisku</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 17:29:13 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/1-izbovy-byt-na-hajiku/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/1-izbovy-byt-na-hajiku/]]></link>
			<title>1-izbový byt na Hájiku</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 17:25:25 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/3-izbovy-byt-na-skok-od-prirody/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/3-izbovy-byt-na-skok-od-prirody/]]></link>
			<title>3-izbový byt na skok od prírody</title>
			<pubDate><![CDATA[Thu, 18 May 2023 19:52:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/predaj-3izbovy-byt-bytca/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/predaj-3izbovy-byt-bytca/]]></link>
			<title>Predaj &#8211; 3izbový byt BYTČA</title>
			<pubDate><![CDATA[Thu, 16 Jun 2022 10:44:46 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/dvojpodlazny-rodinny-dom/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/dvojpodlazny-rodinny-dom/]]></link>
			<title>Dvojpodlažný rodinný dom</title>
			<pubDate><![CDATA[Sun, 05 May 2024 20:22:33 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/25-izbovy-byt-po-ciastnocnej-rekonstrukcii/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/25-izbovy-byt-po-ciastnocnej-rekonstrukcii/]]></link>
			<title>2,5-izbový byt po čiastnočnej rekonštrukcii</title>
			<pubDate><![CDATA[Sat, 16 Jul 2022 10:31:04 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/2-izbovy-byt-v-sirsom-centre-bytce/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/2-izbovy-byt-v-sirsom-centre-bytce/]]></link>
			<title>2-izbový byt v širšom centre Bytče</title>
			<pubDate><![CDATA[Mon, 22 Jan 2024 11:09:29 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/makler/martin-gabaj/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/makler/martin-gabaj/]]></link>
			<title>B.A. Martin Gabaj</title>
			<pubDate><![CDATA[Fri, 15 Apr 2022 12:48:35 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/makler/nikolas-marman/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/makler/nikolas-marman/]]></link>
			<title>Bc. Nikolas Marman</title>
			<pubDate><![CDATA[Fri, 15 Apr 2022 12:48:32 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/nehnutelnost/rodinny-dom-v-dlhom-poli/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/nehnutelnost/rodinny-dom-v-dlhom-poli/]]></link>
			<title>Rodinný dom v Dlhom Poli</title>
			<pubDate><![CDATA[Fri, 04 Oct 2024 21:46:06 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://www.gama-rf.sk/recenzie/]]></guid>
			<link><![CDATA[https://www.gama-rf.sk/recenzie/]]></link>
			<title>Povedali o nás</title>
			<pubDate><![CDATA[Fri, 14 Jun 2024 16:38:17 +0000]]></pubDate>
		</item>
				</channel>
</rss>

<!--
Performance optimized by W3 Total Cache. Learn more: https://www.boldgrid.com/w3-total-cache/


Served from: www.gama-rf.sk @ 2026-04-25 15:08:07 by W3 Total Cache
-->