Are You Ready to Take On Another Mortgage? Before You Do, Read This.

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7 Personal Finance Questions to Ask Yourself Before Getting a Mortgage

Are you ready for your first (or yet another) mortgage?

It’s a big step that requires careful planning. A mortgage will affect your financial future for years to come.

Before you sign that mortgage, consider these finance questions:

  1. What is your credit score? Credit scores affect mortgage rates.
  • Before buying a house, check your credit score. Should youraise your score to get a better interest rate? In general, high scores with no late payments during the last three years are enough to get good rates.
  1. Are you capable of handling maintenance costs? It’s important to consider the cost of maintenance before buying a house.
  • The mortgage is only one part of the total cost of owning a house. Maintenance is another important piece. Will you be able to pay for a new roof or air conditioning system whenthe current ones wear out?
  • Does your monthly budget include enough savings for maintenance?
  • It’s also important to consider DIY projects and hiring others to complete tasks. House maintenance can involve expensive and ongoing projects. Are you ready to pay for these costs?
  1. How secure is your job? Before signing a loan, evaluate your job security. Will the work last? How will you handle changes?
  • Evaluating your job future is part of planning for a home purchase.
  • Consider emergency funds and savings in your plan. If your job situation changes, will you be able to continue making monthly mortgage payments?
  1. Do you have the necessary financial paperwork? Mortgage applications require a great amount of paperwork. Lenders can ask for old tax statements, check stubs, savings account statements, and other information.
  • If you have a high credit score, you may get a no documentation loan.
  • It’s rare to get a no documentation loan, so it’s better to be prepared by checking your files and collecting the financial papers you may need.
  1. Did you calculate the hidden expenses of owning a home? Home ownership comes with multiple expenses that go beyond appraisal fees, property taxes, mortgage closing costs, and insurance.
  • One of the hidden expenses of moving to a home ismorebills. If you’re used to renting, then home ownership can change your monthly bills by adding new ones. You’ll add trash collection, water, recycling and sewage in most locations to the expense list.
  • Home insurance is higher than renter’s insurance. In addition, older homes cost more.
  • Homeowners’ association fees are becoming more common in neighborhoods. You may be aware of condominium association fees, but are you ready to pay homeowners’ fees?
  1. Do you have an emergency fund? Emergencies can vary from broken dryers to flooded patios, so you need to be ready for anything. Is your emergency fund big enough to handle common, unplanned expenses?
  • Emergency funds are a better option than credit cards or loans. Putting enough money aside can help you avoid new debt.
  1. Are you applying for other credit? Mortgage lenders can see applications for other types of loans on your credit report.
  • Applying for other types of credit while trying to get a mortgage can hurt your loan.Mortgage companies view these applications as risks, so it’s better to wait before trying to get another credit card.
  • Applications for new credit lower your credit score and affect interest rates.

A mortgage is a responsibility that affects multiple areas of your financial life.

Before you buy a house, consider how your current financial situation will be affected and plan for emergencies.

Dr. Teresa R. Martin, Esq. is the founder of Real Estate Investors Association of NYC (REIA NYC). REIA NYC (www.reianyc.org) is a premier real estate investment association serving the New York City marketplace. Its primary focus and mission is “helping our members build, preserve, and harvest multi-generational wealth” in the areas of real estate investments, business ownership and personal development.

 

 

How to Make $13,000 in One Week…Without Breaking a Sweat…

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How iMarketsLive is Bringing Wall Street to Main Street and Changing Lives Every Day.

BY TIM HOUGHTEN – EXCLUSIVE REI WEALTH COVER FEATURE

You never realize just how precarious your financial situation may be until something comes along and shatters your hopes, your dreams and your ability to provide for those you love.

Seven years ago, Justin Ford was faced with a problem. He had one stream of income and when that stream dried up his life was turned upside down.

He went through foreclosure, bankruptcy and at one point, he and his family – including three kids – were homeless and living on welfare.

Justin decided at that point that he’d never get stuck with only one stream of income ever again. When he found iMarketsLive, Justin knew he’d discovered the tool that would help him realize his plans and build a great future for himself and his family.

Curtis Branch had a scholarship to play basketball for a Detroit college, but before he could realize his dreams, tragedy struck…he was shot in the face. His hopes and his dreams were finished…just like that.

But like Justin, Curtis learned a skillset that brought every dream he ever had back to life…bigger than ever!

So what is this skillset?

More on that later, but for now, let’s consider what you’re doing with your money right now. How hard is it working for you?

Is it sitting in your bank account earning very little interest?

What if there was a way to turn your cell phone into an atm machine? To have access to a community of like minded individuals all working together to help each other grow both financially and as investors?

Does that sound like something you’d be interested in?

iMarketsLive offers products and services for investors all across the globe who want to invest in the Forex and Futures markets.

But more than simply using iMarketsLive services and products, investors also have an opportunity to network with others and build a residual income that grows as their team grows.

Features

  • An autotrader that you can “set and forget” which will do all of the trading for you.
  • An app that lets you access your account on any device; if you have internet access you can make a trade or even withdraw funds from anywhere in the world.
  • A harmonic scanner that analyzes thousands of trades, finding patterns and using those patterns to look for high probability trades.
  • Three professional traders send out trade alerts to the entire customer base through the app
  • Both long and short term trading options with varying degrees of risk
  • The CEO – an $80 million dollar earner – shares his trades 3 to 5 times a week which you can choose to mirror in your own account
  • A live translating chat so that no matter what language you speak you can connect with others
  • You don’t have to pitch anyone…you can simply invest through the platform

iMarkets is like nothing else.

Christopher Terry and Isis De La Torre founded iMarketsLive with the sole purpose of “…creating a true vehicle that will bring people respect, dignity, and power to change their lives, and the lives of others, around the world.”

When you sign up with iMarketsLive you’ll not only learn how to trade – a skillset that will remain with you always – but you’ll be part of a community of individuals who are focused on building wealth for themselves…and others.

You can pay someone else anywhere from $5,000 to $20,000 dollars to teach you about trading, but for just a couple hundred dollars, you can learn how to trade and earn money at the same time. Plus, unlike other programs, you’ll have access to tools and resources that shorten your learning curve, putting you on the road to wealth creation faster!

Benefits of using iMarketsLive

  • As you’re learning you can earn by simply copying and pasting what the pros do.
  • You can practice trading until you’re ready to go live.
  • You can simply use the autotrader and do nothing but sit back and collect money.
  • You’ll be part of a community, learning from the pros and connecting with like minded investors
  • You have the option to make a lot of money trading alone, or you can join forces with a team and compound your earnings.
  • You can withdraw your money in whatever form you like…even crypto-currency.
  • You can use your money for trading in and out of the sequence; unlike real estate, it’s very liquid.
  • It’s a home based business so you have all of the tax write-offs available to small businesses – including the small cost to join

Who uses iMarketsLive?

iMarketsLive has a membership of 40,000 individuals; 30,000 of which simply use the trading aspect part of the business. The remaining 10,000 are all active network marketers who are focused on connecting with others.

The customer base of iMarketsLive is very diverse. Doctors, lawyers, athletes, TV stars, real estate investors, veterans and even retired army generals use iMarketsLive to grow their wealth.

But what about results?

All trade histories are available on the website (listed below) so you always know, right up front, the success rate of each trade. With a trade win rate of 70% to 90%, it’s not hard to see just how quickly your funds can accumulate.

Justin and Curtis are actively growing their team and are always on the lookout for people they can partner with and mentor. They know what’s it like to be on the other side of winning and truly want to help others gain the financial and personal freedom they’ve now achieved.

To find out more about iMarketsLive, be sure to join us for our next Expo to explore this amazing opportunity to grow your wealth and connect with others who are doing the same. For more information, visit: Realty411Expo.com/rsvp

 

Realty411 to Finish Year Hosting 27 Events in Eight States Promoting Real Estate Investing and Entrepreneurship. Personal Wealth Strategies Shared.

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by Lori Peebles | Oct. 23, 2017 | 10 am PST

Los Angeles, California – Realty411, the nation’s only real estate investing magazine based in California and freely distributed online and on newsstands, grocery stores, libraries, and coffee shops, will finish 2017 reaching a new record of hosting educational events in eight states.

This year marked Realty411‘s 10-year anniversary. The company began with an $800 investment in the fall of 2007 in Los Angeles. It secured advertisers immediately, the first backers made up from the publisher’s large sphere of influence as a national investor and referring investor agent.

Most of Realty411’s initial advertisers are still engaged in the publisher’s life to date and also celebrated the success of the company, which began as a vehicle to disseminate knowledge and to motivate average Americans to grow their wealth with real estate.

To ensure a phenomenal and ground-breaking year in terms of activity and reaching a large number of investors around the nation, Realty411 contracted four HGTV celebrity educators to appear at their events in Texas and New York, where fans were able to get up-close and personal with their favorite stars from the hit shows Good Bones and Listed Sisters.

An aggressive national media campaign was also planned in the beginning of the year and executed monthly, with massive large scale media buys in top publications around the nation, reaching millions of consumers and business owners. Realty411 also secured numerous editorials and press coverage throughout the year in numerous languages.

 

Additionally, a large number of live events were planned: 27 in total number for 2017, reaching people in eight states. The complimentary expos give guests the opportunity to learn about some of the most important companies in the real estate investing space in the areas of finance, turn-key providers, IRA companies, property managers, tech and software applications, plus more.

Attendees also acquire strategies and market updates from some of the most sophisticated thought leaders and legendary REI educators, some with up to 40 years experience in the industry.

To close out the remainder year, Realty411 will host five more live events in three states: California, Georgia and Florida. Florida, a favorite investor destination, saw a total of three Realty411 events this year alone reaching hundreds of people each time.

Although 2017 was a special year marking the 10-year anniversary of Realty411‘s commencement in media, the company plans on continuing the pace for next year to ensure continued growth and prominence in an industry where investors often fall by the wayside. Many also quickly lose enthusiasm after realizing investing in real estate is a long-term endeavor, which requires planning, research and management to ensure success.

“Some investors lose focus,” admits Linda Pliagas, founder and publisher, “money and motivation are the key factors. They run out of money for their deals or they lose motivation because it’s more difficult than they thought it would be.”

According to Pliagas, her job and the goal of Realty411 is to ensure they stay in the game by giving them access to both: funding and plenty of support.

An active investor, Pliagas recently explained her most recent Fall 2017 transaction to a group in Portland, Oregon. “I am making money simply by purchasing the property,” she stated, “Simply by buying a distressed asset and rehabbing it. Then, I can decide do I want to sell it and do a 1031 exchange, or shall I pay my private lender off by obtaining a 30-year mortgage? Either way, I already made money when I bought it.”

She went on to explain the full details of the simple transaction she is currently engaged in: It is a $160,000 condo in an area where her family owns four other properties already. The ARV is $225,000 and the rehab costs will be about $12,000. She is utilizing zero of her own funds, as the purchase and rehab funds were obtained by a private money lender who she frequently does business with. The property was on the market one day before she swooped in.

She is using another property as collateral to obtain a $200,000 loan to do the entire transaction. She plans on paying herself for the purchase and rehab management $25,000, tax free. (The funds are actually equity from her other property, used as collateral for this purchase, so it is tax-free income).

She is leaning towards to then securing a traditional 30-year mortgage on the property purchased to pay off the private lender on the other collateralized house. Whereas the new property will cash flow and still have equity going forward, and the other property will return to being owned free and clear… ready to be leveraged again!

It is these creative real estate nuggets that she and her columnists and educators at the events, freely share for people to learn. It is their personal testimonies of their first-hand investment endeavors throughout the many years in the industry.

Besides providing first-hand knowledge of creative and diverse real estate transactions, Realty411 offers a forum to learn business tips, knowledge of stocks, and FOREX (foreign-exchange).

Diversification and due diligence are always stressed at Realty411 events and within the pages of the publications they deliver. All savvy investors know real estate is cyclical and risky, but bills are not. Having multiple streams of income (MSI) is the new ROI for long-term real estate investors who know how to budget and balance their books, yet still live life to maximum capacity.

______________________________________________________________

Realty411 is currently working on two publications: REI Wealth Monthly featuring Propelio, and their staple, Realty411 featuring HomeVestors of America.

Additionally, Realty411 will host five more events before the close of 2017.

To learn more, please visit and explore their numerous websites, or phone Realty411 directly at 805.693.1497.

Please click below for direct links to our diverse websites.

http://Realty411.com

http://Realty411Expo.com

http://Realty411Guide.com

http://Realty411mag.com

Small Business Credit Lines Available

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– THANK YOU FOR REVIEWING THIS SPONSORED POST –

Now is the time to get your line of credit

I can not stress enough the importance of readily available lines of credit when you are investing in real estate!

The guys over at Stonebridge Capital Group are extremely creative in getting individuals and small business owners approved for lines of credit. These credit lines are unsecured and give individuals and investors additional buying power.

When is the time to get a line of credit? Right Now! Do not wait until you need one… be ready to pick up that great deal the moment you find it!

Get Your Credit Line Now

Now is the time to get your line of credit

Stonebridge Capital Group (www.sbcapgroup.com) provides access to:*

$10k – $150k in business or personal lines of credit
Instant Pre-Approval
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Get Your Lines of Credit in 7 to 14 Days!

Money for Small Businesses and Personal Lines of Credit

The biggest challenge start up businesses and individuals have is obtaining funding. Our program is second to none. We help businesses and individuals get up to $150k in unsecured cash credit lines all the time. If your FICO credit score is 650 or higher, we can probably get you funding.

Fast Process

Fill out the short questionnaire (on website) to get started. We just need some basic information from you and we can get to work in getting your line of credit. You can use as much or as little of your funds as needed.

Get Your Credit Line Now

Questions
Please, do not hesitate to ask us. You can call us at (480)626-1772. Our goal is to get you a line of credit. We only win when you win

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FIRST TIME: East Coast Income Property Showcase with Real Wealth Network

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– PLEASE REVIEW OUR SPONSORED POST, THANK YOU –

East Coast Income Property Showcase

Are you interested in adding a few rental properties to your portfolio, but are not quiet sure where to find the resources your need to make it happen. Well, if so, don’t miss the very first East Coast Income Property Showcase by the Real Wealth Network. The event will be held in a beautiful resort in Orlando, Florida.

At this exclusive event, investors can meet their favorite turnkey rental property companies from:

  • Detroit, MI
  • Cleveland, OH
  • Cincinnati, OH
  • Birmingham, AL
  • Huntsville, AL
  • Orlando, FL
  • Jacksonville, FL
  • Tampa, FL
  • Pittsburgh, PA
  • Chicago, IL
  • Houston, TX
  • Indianapolis, IN
  • Atlanta, GA

Plus, Kathy Fettke, co-CEO of Real Wealth Network, will share her year-end housing wrap up and predictions for 2018. This will be an all-day event held at a beautiful spa resort in Orlando, Florida. We have negotiated a discount if you wish to stay for the weekend. Rooms have been discounted to $129 for a single and $149 for a double. Details coming soon. (We will send you the hotel information and the discount link once you’ve registered.)

The resort will also host a cocktail reception for us at 5 pm, followed by a tour of the property.

On Sunday, there will be an optional tour of investment property in the Orlando area, or just chill out by the pool or at one of the many nearby Disney resorts.
Ticket price:

$25 (All registration fees will be fully donated to the hurricane victims in both Texas and Florida)

Property Examples:

Are you ready to build your wealth with real estate?

 

Learn more about investing in rentals across the nation with Real Wealth Network.

Are you ready to build your wealth with real estate?

Reminder: There are never any back-of-the-room, high-pressure sales at these events. Instead, you can learn about the markets, meet the property managers and R.E.A.L. Turn-Key Operators, talk to other investors, and get real answers to your real estate investing questions.

For more information, please visit: http://realwealthnetwork.com/live-event/

 

Don’t Miss exciting events in California by Real Wealth Network.

 

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Get the 411 on Our Santa Monica Investor’s Expo Here!

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Dear Realty411 Investor;

You are cordially invited to attend our Santa Monica Real Estate Conference this Saturday, September, 23rd.

at The Doubletree Suites By Hilton Hotel Santa Monica , from 9:00 AM to 5:00 PM

We are having an explosive event, chock-full of valuable information, coming to your area!! There is discount valet parking available for only $10 all day so come and stay a fun evening in Santa Monica, one of the trendiest areas of Los Angeles County.

There will be FANTASTIC speakers with YEARS of experience, such as Dr. Albert Lowery, HomeVestors Of America, Black Belt Investors, Armando Montelogo and Kathy Fettke!!

Meet real estate club leaders from around the world and finance experts who can help you FIND THE FUNDS TO CLOSE DEALS!

Tickets are free, so reserve your seat, for yourself and those that would like to come with you, before they are all gone!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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Most events charge hundreds of dollars to learn the SAME INFORMATION and to meet the SAME SUPERSTAR SPEAKERS!

As active and successful investors in California, we are providing this expo as a way to give back to our industry and our fans, all we ask is that you help us create a buzz by telling your friends and promoting it on social media… our expo hashtag is: #REALTY411SANTAMONICA

LOCATION:

As a friendly reminder, the venue is located at:

Doubletree Suites by Hilton Hotel Santa Monica

1707 4th St, Santa Monica, CA 90401

Please join us in the CAROUSAL Ballroom

EXPO TIME AND AGENDA:

The event starts at 9:00 am and ends at 5:00 pm.

Regular registration for our coffee mixer is at 8:45 am.

OUR EXPO MENU:

Freshly-brewed Coffee and Herbal Tea selection

Assorted Muffins, Croissants and Danish

Yogurt Parfaits and Fresh Sliced Fruit

For Our Afternoon Break:

Mediterranean Antipasto featuring Imported Italian Meats and Cheeses,

Calamata Olives, Artchioke Hearts, Roasted Garlic, Roasted Peepers and Pepperoni,

Buffalo Mozzarella, and Roma Tomatoes with Fresh Basil, PLUS, Kashi Bars and Fiber One Bars

CONTACT 411:

Should you have any questions, please call 805.693.1497,

or our mobile number at: 310.994.1962

More information, please also visit:

https://realty411.ticketleap.com/realty411santamonica/

** DOWNLOAD OUR AGENDA HERE **

 

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Realty411 Hosts San Diego Real Estate Conference this Saturday Uniting Local and Out-of-State Investors for One Day

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Celebrate Ten Years of Publishing with the Only Real Estate Investor’s magazine owned by active California investors whose mission is to help others learn about the benefits of owning real estate as a means of creating long-term wealth.

Realty411 magazine, the nation’s longest-running magazine and expo company owned by a California investor, is hosting a complimentary, all-day real estate investor’s expo this Saturday at the Embassy Suites La Jolla in San Diego to increase the public’s awareness about real estate investing.

The expo starts at 9 am with breakfast mixer where guests can get up-close and personal with their favorite speaker and get to know other like-minded people who are also interested in entrepreneurship and acquiring wealth-building knowledge.

Expo guest will learn about important strategies and tool sets to implement immediately into their life, business plan or legacy planning. Topics to be covered this Saturday, include:

  • Effective 1031 Exchanges
  • Maximum Asset Protection
  • Trade in the Trillion Dollar FOREX Market
  • Best Sectors and Cities Across the County to Invest in
  • How to Build a Legacy with Your Knowledge
  • Buying and Flipping Homes in CA and Out of State and More!

Coverage of this event can be seen in the local media, including the La Jolla Light, La Jolla Village News, San Diego Downtown News, Beach and Bay Press, among others. Don’t delay, reserve your seat.

https://realty411.ticketleap.com/lajolla/

  • Find the FUNDS You Need to CLOSE More Deals
  • Learn Where National Investors are Going
  • Find Out How to 1031 Exchange Your way to Wealth
  • Leave a Lasting Legacy – Tips for Self Directing and Using Your IRA
  • Skyrocket Your Way to the Top with America’s #1 Small Business Coach
  • Learn Fool-Proof Asset Protection – Find Out Tips from the #1 Home Buyer in America
  • Make Money in a $5 Trillion Dollar FOREX Market
  • Secrets for Residential and Commercial Success
  • Profit Vacant and Neglected Properties

Realty411 was founded in 2007, serves the needs of real estate investors, private lenders, real estate agents, brokers, service related professionals and is a must-read for anyone interested in growing long-term wealth through real estate. Realty411 has been hosting real estate mixers and events since 2006, prior to even starting our publication.

San Diego is the city where their monthly, digital-only issue, REI Wealth magazine (http://reiwealthmag.com), first began three years ago. The event is also hosted by the Outback Real Estate Investment Network, whose local club is in the area.

Some additional event highlights, include:

* Mingle with Companies * Meet Local Leaders & Out of Area Investors

* NON-Stop Tips for Real Estate Success ~ Hosting Our Events Since 2008

* We Want & Can Help YOU Succeed As We Have. Bring Lots of Cards.

* Mingle with Local Leaders & Industry Professionals from Around the Nation

REALTY411 has reached more magazine readers in person nationwide since the start of their publication than any other publication in the real estate investment industry. To see their national schedule and locate other events around the country, visit REALTY411 EXPO site (http://realty411expo.com)

For more information, please call Realty411’s office directly @ 805.693.1497

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HGTV Stars to Speak at Realty411’s Expo in NYC – Magazine Reaches Millions Via their Media Campaigns this Month

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Realty411 magazine, the nation’s longest-running magazine and expo company serving the needs of real estate investors, is celebrating 10 years in business by hosting numerous complimentary expos from New York City to Los Angeles and producing a TV Pilot.

The magazine, founded in 2007 by a journalist who is also a real estate agent and investor in California with over 25 years experience as a landlord, has reached thousands of investors to date in person and through their online private social networks. Realty411 has been owned by the same publisher since the start of the magazine, which makes the brand the longest-running publication and event marketing company reaching the important billion-dollar national investor market.

Realty411 is being featured in numerous widely-circulated media in three languages reaching millions with an expansive public relations, marketing and advertising campaign. The company’s goal is to inform the public about their upcoming complimentary magazines, expos and the production of their first TV pilot, Property Pitch.

In addition to an event in San Diego on Saturday, Sept. 16th, the magazine will also be hosting an expo on Saturday, Sept. 23rd in Santa Monica, as well as in Manhattan on Oct. 14th. The extra special expo in New York will also feature HGTV stars from the hit show Listed Sisters – Alana Barnett and Lex LeBlanc.

Realty411 has worked with several celebrities from HGTV (The Home and Garden Television Network), including Clint Harp, the creative carpenter from Fixer Upper, and the mother/daughter rehab duo: Mina Starsiak and Karen E. Laine from Good Bones.

The publication is now also venturing into the entertainment industry with their production of their first TV pilot, Property Pitch, starring Bruce Dinger, Kenny Rushing and Justin Ford.

Property Pitch is being produced by Realty411, Planet Cutty and Andrew Kavovit, co- creator/executive producer of Hatched. The nationally syndicated TV show connects emerging brands with successful mentors and once-in-a-lifetime opportunities.

In addition to now publishing multiple magazines, both in print and digital, Realty411, the only California-based real estate investing media company, owns and operates several private and public online social media networks frequented daily by thousands of investors from around the globe who are interested in learning about US-based real estate investment opportunities.

For a complete schedule of Realty411’s national events, please visit their numerous websites, including:

To reach Realty411 directly, please contact Kimberlee Lamar at: 805.693.1497 or email [email protected]

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 Look for coverage about our magazine and events in numerous media in California from Los Angeles to San Diego!  http://realty411expo.com/lajolla

 

 

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Join Our Network – Receive a Complimentary Issue

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