Mon, 30 November 2015
CW 601 - SaundersDailey - A Real Estate Investment Tool for the Average Joe via Crowdfunding with founder Marshall Saunders
Today we speak with Marshall Saunders of Saunders Dailey. Saunders was named one of Swanepoel’s 200 most powerful people in residential real estate and is the recipient of RISMedia’s 2013 Tech Titan award.
Saunders started pursuing his interest of community funded real estate in 2014. He thinks crowdfunding will be a major game changer for individuals who would like to invest smaller amounts of capital than normally required through traditional IPOs. He describes the history of crowdfunding, the impact of 2012’s Job Act and how banks and mortgage companies may respond to this investment type in the future.
The upcoming Meet the Masters Event is almost sold out. Go to JasonHartman.com to get your ticket for this educational event.
[1:40] Upcoming Creating Wealth show schedule
[3:41] The World’s First Cashless Society article from Nick Giambruno
[7:33] Governments tighten the reigns to remove symbols of value
[9:51] Buying properties through our network
[10:35] Landlord friendly Arkansas; an example investment
[14:35] Join Platinum Property Tracker on our resources page
[16:10] Use Voxer and contact me on JHart88 to have your questions answered on air
[17:11] The Venture Alliance trip to Dubai and Meet the Masters event
Marshall Saunders Guest Interview:
[19:51] Crowdfunding is a game changer for investing in startups
[22:30] Democratizing the investment system
[25:35] Crowdfunding has a long history and in 2012 the Jobs Act was signed
[29:21] Title 3 of the Jobs Act will draw lines on investing in Crowdfunding opportunities
[32:02] Investment opportunities for questionable investments will grow
[35:11] A third less filling than your typical IPO
[35:35] Setting up and selling shares of LLC’s via crowdfunding
[38:16] Buying equity in bulk
[40:23] Will individuals turn to crowdfunding sites to pay the mortgage of their single family home?
[42:11] Real estate crowdfunding sites raise money for debt offerings
[44:23] Mortgage companies may require higher down payments
[46:41] Do banks prefer foreclosures based on mortgage insurance payouts?
[48:35] Contact info for Marshall Saunders and final thoughts
Voxer - The best way to communicate ever
Fri, 27 November 2015
CW 600 FBF - The Art of Stress-Free Productivity with Personal and Organizational Productivity Expert David Allen
Jason talks with David Allen who is widely recognized as the world’s leading expert on personal and organizational productivity. His twenty-five-year pioneering research and coaching to corporate managers and CEOs of some of America’s most prestigious corporations and institutions has earned him Forbes’ recognition as one of the top five executive coaches in the world and Business 2.0 magazine’s inclusion in their list of the “50 Who Matter Now.”
Fast Company Magazine has also called David “one of the world’s most influential thinkers” in the arena of personal productivity, for his outstanding programs and writing on time and stress management, the power of aligned focus and vision, and his groundbreaking methodologies in management and executive peak performance. He is also the engineer of GTD, the ground-breaking Getting Things Done methodology that has shown millions how to transform a fast-paced, overwhelming, over-committed life into one that is balanced, integrated, relaxed, and has more successful outcomes. GTD’s broad appeal is based on the fact that it is applicable from the boardroom to the living room to the class room.
It is hailed as “life changing” by students, soccer moms, entrepreneurs and corporate executives. A consultant, educator, and popular keynote speaker to such diverse clients as Citigroup, General Mills, Stanford University, New York Life, Microsoft and the US Navy, Mr. Allen continues to enjoy delivering his sold-out Getting Things Done seminars to ever-expanding public audiences in cities throughout the
David is the founder and President of the David Allen Company, whose inspirational seminars, coaching, educational materials and practical products present individuals and organizations with a new model for “Winning at the Game of Work and Business of Life.” He continues to write articles and essays that address today’s ever-changing issues about living and working in a fast-paced world and attaining a work-life balance. He lives in Ojai, California with his wife Kathryn. David is the international bestselling author of Getting Things Done: the Art of Stress-Free Productivity and Ready for Anything: 52 Productivity Principles for Work and Life.
Wed, 25 November 2015
Today’s motivational speakers tend to focus on the mechanical keys to success and forget about the bigger picture of the context behind the content. True philosophers understand what drives humans to succeed and the beauty of being grateful for they have.
And in the interview, Finding an alternative to a traditional bank loans may not be as hard as you think. In addition to hard money lenders, financing companies such as Visio Financial offer short and medium term limits with significant interest rates. They offer no document loans which simply require a credit score to secure financing. The higher your score, the lower the rate.
[1:38] The concept of gratitude is a philosophical key to success
[6:40] An experience in Africa reflects the human ability to be grateful for what you DO have
[8:17] Poem excerpts from Og Mandino
[10:21] Jason’s crystal ball says…Warren Beatty is vain and Bitcoin funds terrorism
[13:24] The ultimate investing equation
[14:50] Meet the Masters of Income Property in January & the Dubai Venture Alliance trip
[15:32] A killer messaging app - Send us Voxer message
Jeff Ball Guest Interview:
[19:35] We started out as a captive lender then extended into government sponsored loans
[21:03] Our products family includes interest only and medium-term financing, all document free
[23:20] We offer loans to investors who have reached their Fannie limit
[26:31] Buy and hold financing at 12% on a 3-year balloon, 65% LTV
[28:17] What about Dodd-Frank compliance?
[30:01] We have multiple sources of capital which include banks and credit funds
[31:18] The higher your credit score the lower your interest
[31:53] Bridge financing is an interest only product option
[33:04] An innovative example of a way to use our products
[34:50] Go to our website and tell us what you want and get immediate pricing
[35:41] Jeff’s overall view on the economy
[38:24] What is the margin of error in flipping?
[40:31] While it may be a good time to be a landlord, it may be hard to find good rental properties
[41:31] Moving doesn’t make sense to people with great mortgages
[44:48] Our annual survey is available on our website
Mission Success! - Og Mandino
Good to Great - Jim Collins
Voxer - contact Jason with your questions at jhart88
Mon, 23 November 2015
Self-management tools often boast ease of use and shortcuts to save you time but don’t always deliver. Cozy and Landlordology are property management tools which offer end to end online self-management solutions. Both tenants and property managers benefit from the monthly automatic rent collection feature as well as the integrated application process. If you think doing a background check along with a credit report will help qualify renters qualifications then sign up for Cozy today.
[1:20] What time is it? It's an amazing time to be alive
[2:44] Income investment strength versus deflation
[5:00] Deferring your tax liability
[7:02] Inflation induced debt destruction
[9:03] Debt transfers wealth from the lenders to the borrowers in an inflationary environment
[10:33] What gets rewarded, gets repeated
[10:57] Deflation makes debt more burdensome
[13:40] Use the voicemail feature at Jasonhartman.com for your questions
[14:09] Sign up for the Meet the Masters event in Dubai
Lucas Hall Guest Interview:
[16:27] Lucas teaches managers how to manage their own properties
[18:23] You need to get your message out there - try postlets
[19:56] Hire a real estate photographer for great photos of your property
[24:44] Going over your general requirements before meeting at the property will save time
[26:04] A 2-year lease provides extra security for the tenant
[27:34] What is a landlord’s open house?
[29:28] Possible new tenants can submit an application as soon as they leave the property viewing
[31:20] Cozy is an end to end property management platform
[35:09] Rent collection can be difficult for property managers
[40:47] Property managers can garnish wages to collect back rent
[41:51] Automating your rent collection will make it easier for owner and tenant
[42:39] Resources are available on Landlordology.com
Direct download: CW_598_Lucas_Hall_Swanky_Self_Management_Tools_Landlordology_26_Cozy.mp3
Category:general -- posted at: 10:42pm EDT
Fri, 20 November 2015
CW 597 FBF - Privacy Rights & The TSA plus Obamacare Tax Provisions with Free Speech Attorney Jonathan Emord
intrusive passing of the tax provision of Obama’s healthcare plan. This has created a fissure in the Constitution, a horrible outcome that opens a door to the government violating our civil liberties. Jonathan breaks down the consequences of the violations, such as our liberty to choose and right to privacy in the interest of a government mandate that only benefits the government. Moving on to TSA, Jonathan divulges the massive problems with this act.
“The TSA is an institution that is riddled with corruption and riddled with abuse,” he explains. The elderly, pregnant women, infants and disabled individuals with no record of criminal activity are being subjected to humiliating and highly intrusive searches all over the U.S. Jonathan defines the difference in tactics from a defensive position versus an offensive position, with the latter producing far better results.
He advocates training the citizenry to be more aware of suspicious behavior and to better defend themselves. Jonathan gives an update on the work against the FDA and the First Amendment.
Jonathan W. Emord is one of the nation’s leading free speech attorneys. He has defeated the Food and Drug Administration a remarkable eight times in federal court, more times than any other attorney in American history, earning him the title, “FDA Dragon Slayer.” He is the 2007 recipient of the Cancer Control Society’s Humanitarian Award for “winning and preserving our great civil rights to life, to liberty, and to health freedoms.” He is the only non-scientist ever appointed to the Certification Board for Nutrition Specialists and serves as that organization’s Vice Chair.
In 2010, he became the first person awarded the title “Honorary Nutrition Specialist” by the CBNS. Congressman Ron Paul says “[a]ll freedom-loving Americans are in debt to Jonathan Emord for his courtroom [victories]” and calls him a “hero of the health freedom revolution.” Formerly an attorney in the Reagan Administration’s Federal Communications Commission, Emord has practiced constitutional and administrative law in Washington, D.C. for the past twenty-five years. He has been a Guest Lecturer, Georgetown University, Department of Biochemistry, Course in Nutrition.
He is on the Review Board of the Journal of Food Product Marketing and International Journal of Food & Agribusiness Marketing. He is routinely consulted by industry, Congress, and the media on regulatory issues that affect health freedom. He is the author of four critically acclaimed books: Freedom, Technology and the First Amendment (1991); The Ultimate Price (2007); The Rise of Tyranny (2008); Global Censorship of Health Information (2010); and Restore the Republic (2012). Mr. Emord is the American Justice columnist for USA Today Magazine.
Wed, 18 November 2015
Say this 10 times real fast, Inflation Induced Debt Destruction, now make it your mantra. Would you like someone else to pay your bills for you? Well when you buy income property it is exactly what happens. Your tenants pay down your debt while your property appreciates. Today, Jason outlines a chart from way back in the Creating Wealth archives. He will make the chart available to all of you listeners soon. The chart introduces the intricacies of inflation. He then takes us through most of the asset classes and how they perform against inflation.
[3:30] 3 Types of markets are linear, cyclical and hybrid
[6:02] Published reports and statistics can’t be trusted
[9:53] Will your kids ever learn to drive a car?
[11:53] A 16 year cyclical market (Orange County, CA) compared to a linear market (Lansing, MI)
[12:50] Commandment #5 - Thou shalt not gamble. The property should make financial sense
[16:58] What time is it? It’s an amazing time to be alive!
[19:50] The Meet the Masters Event is coming up. Garrett Sutton will be there.
[20:33] Asset class top performers
[23:12] Inflation induced debt destruction
[23:59] Waiting, substitution and hidonics make people believe inflation is lower than it is
[24:52] Outsourcing your mortgage debt to tenants, they are paying your debt
[27:33] The problem with the Affordable Care Act aka Obamacare
[30:34] Rental income is governed by housing affordability
[32:00] Stock markets can be manipulated and are medium-low indexed to inflation,
[33:33] Cash & taxes are low strength versus inflation - taxes aren’t calculated for inflation
[38:20] Low information people are clueless about the government
[39:35] Income property investors can turn the tables on the government
[40:39] Join the Venture Alliance Mastermind in Dubai
Mon, 16 November 2015
If you’re still allowing property managers to bill you max amounts every month you need to tighten up your monthly discretionary allowance. You will be consulted every time a repair is projected beyond $200. Also, minimize the unprofitable downtime of renters moving in and moving out by signing a 2-year lease with your next tenant. Include the rent increase for upcoming year so your tenants are prepared to pay in advance of the increase. They will appreciate it.
And in our interview, wouldn’t it be nice to see an interesting property on the internet and send someone else halfway across the U.S. to take photos of it for you? What about checking up on one of your existing properties to inspect the hail damage first hand? WeGoLook has an army of 20,000 “lookers” who can send you photos, videos or answer specific questions. They are even able to visit the local municipality to perform a title search.
[1:30] The unbelievable events in Paris are not a new thing
[6:22] There may not be peace until war is not profitable
[7:52] What does the current hostile environment mean for investors?
[8:22] The 6 ways to get out of the government debt slavery complex
[9:36] What is wrong with American Airlines and US Air
[12:59] MInimize your downtime with 2-year leases with your tenants
[14:23] Tighten up your discretionary repair allowance to $200 per month
[15:11] Voxer is a revolutionary messaging app
[16:37] Public employee unions are only interested in themselves
[18:13] A great tool to self manage your properties
[18:39] Meet the Masters in San Diego - Get your early bird pricing now
[19:37] Dubai is the amazing place we have set up for our next Venture Alliance trip
Robin Smith Guest Interview:
[20:35] How WeGoLook evolved
[23:06] We offer a basic report with photos/videos for $69
[26:00] We offer an hourly rate for one-off services
[27:50] We also do document research, title searches and visit municipalities for customers
[30:10] We cover the U.S., the UK, Australia and Canada
[32:15] WeGoLook services and rates - cheaper than calling your brother in law
[36:19] People can order services directly from our website
[37:47] We charge travel fees and research fees for those locations which are out of the way
[40:17] Interior/Exterior reports are available for property investors
[42:34] We service fortune 500 companies as field assignment personnel
Voxer - A free app
Fri, 13 November 2015
CW 594 FBF - America’s Economic Outlook with John Mauldin Author and Publisher of ‘Thoughts From the Frontline’
On this show, Jason Hartman talks with one of his investment counselors about current events, welcomes a guest caller and also brings to our listening audience the economic outlook from renowned financial expert, John Mauldin. Mauldin discusses “spending rearrangement”, a restructuring of our country’s spending problem and tax code, and how the election outcome influences the direction of that restructuring. The larger the government becomes, the smaller the private sector becomes – not an ideal situation for economic recovery in the U.S. Mauldin gives his insights and the possible scenarios and outcomes that could happen, depending on whether or not the deficit problem is truly solved, touching on investments, job creation, tax issues and trade deficits.
John Mauldin is also a New York Times best-selling author and a pioneering online commentator. Each week, over one million readers turn to Mauldin for his penetrating view on Wall Street, global markets and economic history. Mauldin’s weekly e-newsletter, Thoughts from the Frontline, was one of the first publications to provide investors with free, unbiased information and guidance. Today, it is the most widely distributed investment newsletter in the world.
Mauldin is a frequent contributor to publications including The Financial Times and The Daily Reckoning, as well as a regular guest on CNBC, Yahoo Tech Ticker, and Bloomberg TV. His best-selling books include Bull’s Eye Investing, Just One Thing and Endgame, as well as his recently released update to Bull’s Eye Investing – The Little Book of Bull’s Eye Investing. John Mauldin’s blog, Economic Analysis, and more can be found on his website at http://www.mauldineconomics.com/.
Wed, 11 November 2015
Managing insurance policies for your entire real estate portfolio can be an administrative nightmare if the coverage is provided by multiple companies. Finding a reliable and informative insurance broker who is able to offer nationwide coverage from A level underwriters would eliminate the hassle. Today, Jason gets answers for all of your insurance questions from the brokerage firm of Ross Diversified.
[1:21] It’s an amazing time to be alive!
[2:33] China has finally ended their one child policy
[4:40] The nature of the real estate industry is fragmented
[9:34] Bad faith insurance or companies denying claims is common
[10:30] A personal experience with National Real Estate Insurance Group
[11:50] Monday’s episode features the founder of WeGoLook
[14:04] Can we get listeners in more countries than the U.S. has military bases in?
[16:40] Meet the Masters with Garrett Sutton in January
Ed Babtkis Guest Interview:
[18:50] We have had nationwide insurance available for 30 years
[19:50] Nuances to the nationwide real estate market make it a difficult product to offer
[21:05] The underwriting companies which serve our brokerage firm
[22:16] Nationwide programs are generally done on a blanket basis
[25:21] Deductible options and norms
[27:24] Getting the quote to the investor
[29:54] Our company is approved by major financiers
[31:20] Calculating insurance rates based on zip codes
[33:30] Cash value is the number one issue insurance companies have
[34:55] Replacement value is better coverage
[36:33] How are land contracts insured?
[39:12] Hard money lenders can place property coverage, but it costs a bit more
[40:00] Loss of Rent insurance
Direct download: CW_593_Nationwide_Property_Insurance_Made_Easy.mp3
Category:general -- posted at: 5:21pm EDT
Mon, 9 November 2015
Based on current political and economic conditions your personal wealth could be at risk. Paul Mladjenovic of The Raving Capitalist shares his tips for weathering the upcoming economic storm, which he expects to make landfall in 12-18 months. He advises in favor of creating a home based business and diversifying your current asset portfolio. He warns people who have their assets in undiversified portfolios or in stocks which don’t satisfy a human need may find their financial futures devastated because of current government actions and policies.
[1:42] Being anxious about speaking in front of 2000 people
[3:21] 4 mentors who changed Jason’s life
[3:46] Stress - the good and the bad
[5:18] “Stress comes from not doing the things you know you need to do”
[6:20] Being in the flow
[7:38] Getting leverage in the 3 primary areas of life - Business, Biology & Investing
[9:47] Who is willing to take on this affirmation?
[12:40] The Orlando Property Tour is coming up this weekend
[13:20] Meet the Masters of Income Property in San Diego - Early Bird pricing
[13:57] The Venture Alliance in Dubai
Paul Mladjenovic Guest Interview:
[15:30] Observing how government policy affects the economy
[16:44] 30-years as a CFP has helped me to understand how the economy works
[18:07] Communism basically micromanages every aspect of the economy
[21:55] Government-sponsored agencies Freddie Mac & Fannie Mae sold bad loans to Wall Street
[25:00] The current financial outlook is grim, Paul says it will be devastating
[27:33] Portfolios have too much debt in them and pensions are underfunded
[30:23] What should people do to protect themselves from this catastrophe?
[33:01] Launch a home based business for diversification
[34:37] Real estate investments trusts to mitigate the downside of the market
[39:20] Run away from mega-expensive coaching programs
[40:45] Short-term investing is financial gambling
[43:45] What happened to the King of Long term investing, Warren Buffett?
[47:35] Becoming self-sufficient is the way to weather the upcoming economic storm
[50:45] Will the U.S. dollar continue to be the reserve currency?
[52:00] Gold & Silver has outlived paper currencies
[55:36] Gold is a portable asset and should be a portion of your diversification
Direct download: CW_592_Paul_Mladjenovic_Raving_Capitalist_26_Stock_Investing_For_Dummies.mp3
Category:general -- posted at: 12:00pm EDT
Fri, 6 November 2015
Join Jason Hartman and Doug Casey of Casey Research for a candid discussion about the condition of America and what is to come. Doug feels we needed a depression, but it doesn’t have to be as long and dismal as it’s going to be for most people. The U.S. government has gone about everything completely opposite of the right way; it’s totally bankrupt. They’re selling money/debt to the Federal Reserve because no other country in the world wants to buy our devalued American dollar. Doug feels for the average American because he/she is not going to profit from it and is going to be turned into a common serf. Pension funds are in trouble and are nothing more than the government’s scheme to finance its debt.
We may see more wars in the future as politicians look for someone to blame, as happened in the Great Depression of the 1930s. The rich will be those that own real estate around the world. Doug feels it’s too early to buy U.S. real estate unless it’s bought with low-interest, fixed-rate mortgages because the debt will be inflated away. Sharing a position with Jason, Doug is not a fan of the stock market and feels that commodities are going to eventually bottom out with all of the new nanotechnology.
While he’s still bullish on commodities because he’s bearish on the dollar, Doug recommends buying real estate in other parts of the world, using Rothschild’s philosophy of buying when blood is running in the streets. Our biggest enemy is our government, so people must diversify politically, geographically, internationally, and most Americans don’t know anything about it. Looking at stocks, while Doug wants nothing to do with them for the most part, he sees mining stocks moving. They’re relatively cheap right now and while they’re a speculative venture, with thorough research, one can find a few good mining companies that are seeing strong returns.
Inflation is going to get a lot higher because the government has no choice but to print money to pay its debts. It’s the 11th hour and now is the time to act, to position yourself to ride out the storm. Doug’s guess is that when all of this bottoms, mortgage money will not exist and people the world over will have to purchase property with cash. They will be paying real value versus the inflated values of mortgage companies. Doug expresses his concern that our current economic situation is very serious. As he looks around, he doesn’t see any real bargains.
We’re still in the eye of the hurricane, and he forecasts that as we go back into the storm, it’s going to be a lot uglier than it was in 2008. He calls this the Greater Depression. This is a time when you don’t want to be rooted to a spot like a plant. In turbulent times, plants usually get eaten up. Doug is a widely respected preeminent authority on “rational speculation,” especially in the high-potential natural resource sector.
He is a high respected author, publisher and professional investor, and graduated from Georgetown University in 1968. Since that time, Doug has literally written the book on profiting from times of economic turmoil. He is the author of Crisis Investing, which spent multiple weeks on the New York Times bestseller list in the No. 1 position, and became the best-selling financial book of 1980.
Doug also authored Strategic Investing, breaking the record by receiving the largest advance ever paid for a financial book at that time. Doug’s next book, The International Man, was the most sold book in the history of Rhodesia. Doug Casey has been a featured guest on such TV shows and radio shows as David Letterman, Merv Griffin, Charlie Rose, Phil Donahue, Regis Philbin, Maury Povich, NBC News and CNN. He has also been the topic of numerous features in periodicals, such as Time, Forbes, People, and the Washington Post.
Doug divides his time between homes in Aspen, Colorado, Auckland, New Zealand, and Salta Argentina. He has written newsletters and alert services for sophisticated investors for over 28 years. He has lived in 10 countries and visited over 175. In addition to having served as a trustee on the Board of Governors of Washington College and Northwoods University, Doug has been a director and advisor to nine different financial corporations. Doug is currently the founder of Casey Research, a research company that watches every sector, looking for opportunities in the world.
Casey Research is a believer in free markets and understands the fundamental reality that the more a government interferes in a market, the more likely there will be consequences…negative for those unaware, but positive for those who are aware. More details about Casey Research can be found at their website:http://www.caseyresearch.com/cwc. Also, this PDF is from Doug’s view of War on Terror: http://my.caseyresearch.com/pdfs/crTcr20111116102350.pdf?ppref=RIV012SR1211A
Wed, 4 November 2015
What do you do with your extra time? If you default to work, you may not be living the life you want. The Lifeonaire philosophy blends your vision of the life you want and trades your money for time. The program’s foundation for making money while enjoying your time is based on real estate investing which is a historically proven asset class. If you are able to continue making money while living the life you have always wanted why wouldn’t you?
Additional capacity just opened up for our Orlando Property Tour & Creating Wealth Boot camp. Go to JasonHartman.com to sign up now.
[2:56] You can either be motivated by desperation or inspiration - Jim Rohn
[3:32] Orlando Property Tour has some additional capacity available & coffee
[6:07] The Creating Wealth Boot camp
[6:34] Meet the Masters & Venture Alliance Mastermind events
[7:23] This listener is ready to invest but would like Jason’s advice
Shaun McCloskey Guest Interview:
[13:54] People did exactly what I taught them to do
[15:45] Finding a job which is not work is ultimately the goal
[17:39] Don’t forget what you love by working too much
[18:44] Lifeonaire = a millionaire + a life
[20:11] The four stages of lifeonaire
[23:07] What would you doing if you only had 6 months to live?
[25:41] Using your extra time for living your vision
[28:10] Where did the 40 hour work week come from?
[30:07] Visions get clouded by goals
[32:35] Start with the Lifeonaire book
Mon, 2 November 2015
Have you ever considered lending your money to receive a better than average return? The opportunity now exists through our organization for you to become a hard money lender. Jason explains some widely used financial terms and how they apply to the residential real estate market. And, updates on the Orlando Property Tour, the upcoming Meet the Masters and the Venture Alliance trip to Dubai.
[2:44] What exactly is a convertible ARM?
[3:57] We have special connections with commercial lenders who finance residential real estate
[6:19] Residential properties have desirable financing
[8:12] Explaining the Cost of Funds Index (COFI)
[10:50] Jason just purchased 2 Tesla cars, 1 “X” and 1 “S”
[15:11] The formula for calculating adjustable rate loans
[17:51] What is a bridge loan and how is it used?
[18:18] Becoming a hard money lender is available through our organization
[21:32] The Orlando Property Tour is just about full
[22:02] Meet the Masters in La Hoya, California in early January
[22:46] Venture Alliance Mastermind in Dubai in February
[24:11] Jason loves his Fitbit - Charge HR
Direct download: CW_589_Jason_26_Naresh_COFI_Index2C_Convertible_ARMs2C_Bridge_Loans_26_More.mp3
Category:general -- posted at: 7:12pm EDT