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E d i t i o n
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The Next Level
In this edition we have a real treat, an audio transcription at the site of a recent acquisition. The ROI team caught up with Managing Member Rick Melero to tour the property and gain some insights on the evolution of the deal.
Exploring synergies, building rapport, and developing alliances are the staples we continue to foster, and often allow us to capitalize on hidden gems much like our:
Signature Project:
Georgia
Q: All right Rick, we were talking recently about note acquisitions and there are certain things that you will do and certain things that you won't do when it comes to acquiring a note. There is a unique opportunity that’s come across your desk recently, can you tell us a little bit about this latest note acquisition? A: Well continually work on finding the most effective ways to acquire projects and part of doing that a lot of times requires that you kind of evolve and that you open up your arsenals of tools and weapons if you will, and one of those tools that we have used is basically dealing directly with notes. So, even though our main objective is to ultimately own the asset sometimes the best opportunities comes from having the ability to purchase the note in default to ultimately either foreclose or already have a short sale relationship with the original owner. Now, I will say that I have had experiences where, let’s just say for example in the residential world it's not as attractive because there is, so much due diligence for a small file, but for this particular project there was a perfect fit. We are dealing here with is a 220 plus unit apartment complex. It's a great income producing property in Atlanta, Georgia the
reason why we were interested in that particular property is because first and foremost in Atlanta Georgia and in this area specifically there was a huge demand for rental properties. This particular property is about 60% occupied right now and the remaining amounts of the units have not been occupied due to poor property management. They haven’t really improved the units that need improving, so that they can ultimately bring in new tenants and, so we saw that as a great opportunity for us to acquire the project. Q: Was this a Motivated Seller? A: Funny you ask…We had the choice of buying the property, which would be at a higher price to make the seller sell now but then we found out that he was actually in default on the note and that’s when we ultimately decided to acquire the note. Q: So, how did you structure or negotiate this deal to make it work? A: Well, once we saw the opportunity within this particular project the first thing we did of course was retain attorneys that were competent and understood the process.
We basically just employed them to conduct the official due diligence on the note, especially to conduct the official title research to make sure that we didn’t have any additional liens or any other issues that we might encounter. The attorney served as the third party to assist us in the negotiation of the purchase for that note at a discount, which is what we actually achieved. We are utilizing another attorney to help strategically foreclose on this asset in order for us to take ownership of it, which ultimately what was our bottom line. Q: Can share with us what made the deal so appealing? A: What made it, so appealing primarily is we have a property that is generating income on a monthly basis. You could technically buy that property right now and it would support probably close to three to four million dollars based on the income. In other words somebody based on the income stream can buy that property for about 3.5 to 4.5 million dollars as it is. So, I could have paid that as an investor and bought it but once we found the note was in default we ended up buying the note. We will have to cover some back taxes and a couple of other expenses including our attorneys fees, but we are going to be in this deal just short of a million dollars which makes a significant difference in this particular transaction. So, now what that allows us to get into a project like this one for basically a steal, at which point we get to decide whether we want to ultimately keep it or whether we want to dispose of the asset for a substantial profit. Q: Now, have you identified or actually given some though to your specific exit strategy here, does it support a long term hold? A: Yeah the market definitely supports a long term strategy. We have discussed it several times and of course we have a private equity with us in this particular transaction, which helps dictate based on their temperament of course what we want to do with this deal. The reality is we are still indecisive about the actual exit, because I will give you a perfect example, if we keep that property at that price and we actually invest additional capital resources in order to improve the property to finalize the renovations that are needed in some of these units then within a two to five year period we could turn this into a six and half million dollar deal, which would be significant. So, that’s one of the options that we are considering currently.
However, if we wanted to take the short term approach the moment we take full ownership of this particular transaction we would be able to exit the property as it is without making any type of capital contributions or repairs & get 3.5 million. Q: I know you’ve conducted your diligence but is that 3.5 Million speculation? A: Not at all, we actually have an email with a letter of intent that came in initially at four million dollars, but once they found out the condition of some of the other units they countered back at 3.5 million dollars. So, we know that we can move this transaction fairly quickly at a good 3.5 million dollars. The question now is going to be is will the investors that are in this transaction with us feel comfortable enough with this from a long term hold perspective which of course will ultimately have the highest investment reward. Q: Before we let you go & again thank you for the tour and the insider look today. This specific asset is not located anywhere near your corporate headquarters, have you got some eyes on the assets so to speak? A: Right well that’s one of the key components to every acquisition that we look for whether it's a nonperforming note that we are acquiring with the intent of owning the real estate or whether it's just a straight up acquisition. We are looking for assets at this stage of our career that are at least a hundred plus units. The reason why we do that is because the bigger the deal, the better we can put together a local management team in place that is there full time and because it is a large project the income stream supports having staff fulltime on the site. Those individuals will then utilize our digital resources and tools that we have such as our CRM software and literally even though we are not in that state physically we are able to see the day-to-day operations through this software and see what's going on. We have 24/7 access to see virtually every detail of the operation; from who is paying late, who we are evicting, how many units need the repairs. We can look at pictures, so it's almost like being virtually there, but because the project is a larger project you have the opportunity to have onsite management in place that will conduct the day-to-day operations while you are virtually in another location.
From Yokohama To Las Vegas Over the last several years we have expanded our scope internationally acquiring assets in Ireland, England, Scotland, and Germany. As our holdings have grown so has our staff. Now our real estate negotiations often include interesting contingencies, much like our staffing procedures. Real estate investing has an interesting history, as do each one of us. So as the sporting world would refer to it, this is our version of “Rookie Hazing”. Each new member of the team must tell us a little about their own history and hopefully have a little fun in the process. It is with great pleasure that we formally introduce the newest addition to our team, Mr. Toshihiro Endo. Yokohama, the base of foreign trade in the mid-19th century quickly grew from a small fishing town to Japan’s second largest city. Its ports became known as the gateway to Japan and developed for trading silk with its main partner Great Britain. Our population has grown form approximately 422 thousand in 1920, to over 3.7 million by last count. Anyone who ever had to “get by on a dime” as the saying goes, would certainly appreciate this fun fact from my home town. We are the home of not one but two Museums for Noodles in a cup, most notably, The Ramen Museum. Yes that’s right the popular & cost effective form of nutrition many of us once (especially my college friends) relied on, Ramen Noodles. That’s a picture of the museum below:
As for me, at a very early age my goal was to make it to the United States to pursue “the dream.” As I watched the daily grind my parents endured running the family restaurant, it became increasingly obvious to me that there certainly had to be a better way of life. So after high school and with all the hopes and expectations of bigger things yet to come, I took a position as an apprentice @ a local Sushi restaurant working for the next two years until I saved enough to make the move to the U.S. and enroll at the University of Nevada Las Vegas.
Already having restaurant skills it made sense to enroll at the school with the best Hospitality program in the country. While I would continue to hone my skills in the kitchen by securing employment as a Sushi Chef, I would learn about operations and management “the front end”, which would expose me to more opportunity and prepare me for life after graduation or at least that’s how I planned it... My employment also enabled me to fulfill immigration requirements to gain legal residency in the U.S. upon graduation in 1992. I was hired as a Sales Representative for an international trading company and worked my way up to Sales Manager, travelling the Atlantic, & Pacific Coasts and every beach in between selling surfing apparel. I learned how to surf in Hawaii; I was earning a good living and enjoying the “hang loose” lifestyle. Certainly seemed like I was living the Great American dream of most young men….. As I write this article I am sitting in the conference room of our downtown Orlando office watching the construction of a new medical facility out one window, and the 5:00 p.m. traffic out another reflecting back on the week we’ve had. We took tours of so many projects single family homes, commercial projects, land developments in a variety of classes, from complete gut rehab to quick flips, even seller finance properties. All the team members and alliances created to work together to achieve more, give more, enjoy more. Earlier in the day I was posed a questions by one of my newest team members, “why real estate, you were living a dream life “, and “why HIS”. It suddenly occurs to me that History was ultimately the reason why. After several years of enjoying the “good life” I realized it was not a successful long term proposition for me. As I travelled the country I continued to meet real estate investors many of them owned the shops that I sold to, as well as a great deal of land all around them. Take a look back at history & it is filled with those who created legacy wealth using
real estate as the vehicle to fuel their passions & fund their endeavors. Now don’t get me wrong here I absolutely enjoyed the beach life but I really thought it would be better to have consistent source of long term cash flow as the life of a commission sales person starts at zero each month. Not quite what I had in mind growing up watching my parents working 7 days a week. I started purchasing course after course on investing and finally dipped my toes in the water and purchased a rental property. Now books, tapes (they still have those don’t they) can give you a great deal of theory, but as I’ve learned some of those courses were sold by people who never did a deal in their life, while others simply made more money marketing. Others gave just enough to hit you up for more money for the next step! Woo hoo! The bottom line truly was to grab all the useful information you can then take action, & keep learning as you go. One motto I’ve heard here throughout the week is “go ahead make a mess just keep pushing forward”. Actions, trial by fire, learning about leverage and most of all about understanding that you gain foresight by remembering hindsight. Translation: Don’t repeat mistakes! I went on to acquire several more homes all cash flowing, with a long term plan of acquiring 10 properties per year. Everything was going as planned, well until 2008 anyway. Like many others I’ve taken some serious lumps and learned primarily that diversification of investments types and classes was a must and to build a viable and sustainable business I would need to surround myself with knowledgeable professionals who know and have what I do not. As I continued to educate myself & conduct diligence I defined specific criteria to identify the appropriate group of professionals to align with. As I explained to my team mate about why I chose to work with HIS, ““In order to get unconventional investment results you will need to make unconventional investments." I wanted to work with those that have experienced the ups & downs, and various cycles our economy has gone
through for years, not just during “boom” times but during “Bad” times because we all know not every deal works out as planned. History has proven the most recent financial troubles will not be the last time we experience such tumultuous times. My business must have a plan in place to secure multiple assets, multiple asset classes, multiple revenue streams, multiple exit strategies, pure diversification, that’s the simplest strategy of all. Sound systems, management, skin in the game, a” History” of performance combined with a core belief of being of service, creating win- win solutions & paying it forward is what I have found with this passionate group of entrepreneurs. Well it’s time for me to wrap this up as I’ve just been made aware that I must complete another initiation ritual. It appears I must display my culinary skills & make dinner for the team and prepare a Japanese language tutorial. They say it’s because real estate is a tough game and I better have a back up plan, but I’m not so sure about that! Oh and by the way, much like many of my colleague’s @ HIS I don’t just work with the team, I am also an investor with the group. Before I go I encourage you to implement these “pearls of wisdom” when it comes to investing your hard earned dollar: 1) Find people who invest their own capital $$ into their offering. “Skin in the Game” 2) Define your own criteria, know your limits, and focus on limiting your risk and exposure. That means having the right team around you. 3) Follow the smart money, so you can ride the wave along side with successful investors during good and bad economic times. I look forward to a long and mutually rewarding relationship and welcome your thoughts or questions or simply a hello @ t.endo@hiscapitalgroup.com. 不動産投資家 遠藤俊博 Real Estate Investor Endo, Toshihiro
Is there Life after Retirement? Mike and Sandy McCann
By offering a variety of investment portals we have been fortunate to work with hundreds of clients nationally and abroad. During a recent mastermind session the idea of asking our clients to contribute to our publication was presented; so it is with great pleasure we present a tale of two investors. Two brave clients accepted our challenge to share their I was approaching my 61st birthday when I retired in July of 2012. If you count my childhood on a working farm, working for hire since I was 13 and working throughout college, I had been working virtually my entire life. You got up and you went to work. It was the “normal and natural” thing to do. Like everyone, I suppose, I had daydreams of life on the beach or the golf course, or of whiling away the hours with the grandkids. But, those visions always seemed to belong to a distant future. Bang! Then it happened. My wife retired. I hit my sixties, and I realized that my career as an administrator for the Delaware state government was not as fulfilling or progressing as quickly as I would like. Many of my associates were retiring or telling me I was crazy not to. So, I braced myself, closed my eyes and took the plunge. The one thing I really had going for me is that my wife and I truly enjoy spending time together. It is a great blessing. We don’t have to be doing big expensive things to have fun, and whether we are doing things together or separately; it’s a source of joy and contentment knowing she is there. But, you have to do something! I had thought I might be interested in learning how to day trade or
to really get up to speed on the latest computers and phones, but these and others ideas have just not generated any enthusiasm. I didn’t have many hobbies. I play the guitar a little and a neighbor talked me into playing golf for the first time in 20 years. These things are fun, but they are not useful and productive, criteria that had been the measure of my activities my whole life. I could fill up my days, but they weren’t filling me up. I felt kind of empty and unsatisfied. A lot of the things I did, although pleasant, seemed trivial; kind of like eating a candy bar instead of a steak. I dove into volunteer work and was asked to be the chairperson of the advisory board for our church school. This has its rewarding moments, but what a change from the working world! I was used to telling an employee to do something by a certain time, but that doesn’t work with volunteers. You ask. You plead. You cajole. Also, I was used to making decisions, developing and carrying out plans. Since we are purely advisors, the school administration can take our advice or completely ignore it. So much for feeling important. That, for me, has been one of the real adjustments in retirement. We all like to feel important and productive, like we are contributing to a worthy cause. How does playing golf do that?? We should never stop looking for ways to contribute, but I’m working on being kinder with myself. It can be hard to allow
thoughts and a couple tips with our audience. First up is a perspective from the wonderful world of Retirement or is it, from our friend and passive investor Mike McCann. Please share your thoughts with us about our latest feature as well as this edition’s featured authors @ s.ally@hiscapitalgroup.com subject line: ROI. yourself to relax a little, to tell yourself that it’s OK to sleep until 7AM---although my farmwife grandmother would say that the day was mostly over by then. I’m not advocating that you become a couch potato, but I do suggest that you stop beating yourself up over an hour spent reading or watching a movie with your wife. No, it’s probably not good to loll on the beach all day every day, but there is a place for that too. Oh, and you also will find that the grandchildren grow up and have less and less time to spend with Mom-Mom and Pop-Pop. You will find that aging parents may not need or want your help, or they may pass away. Life’s circumstances change. My cousin sold her house, moved the kids to another school district and created a long commute for her husband because she wanted to take care of her elderly father for years to come. Unfortunately, her father died a few months after they moved in. Family ties are essential, but nothing remains the same. Remember to factor this into your plans. Retirement can be an adjustment financially also. Maybe it shouldn’t be. I should be financially well set, but I’ve made a lot of financial mistakes along the way and my resources are not what they should be. I often was too aggressive and even fell for a few out and out scams and lost a lot of money. A mid-life divorce didn’t help either.
So, outliving our money is a concern. I’m a little uncomfortable that I don’t have any actively earned income for the first time I my life. With uncertain economies in this country and around the world, I believe that it is important to establish as many streams of income as possible. Finding work that is enjoyable, not too demanding, and that pays well is not as easy as you might think. Investing? In this environment it can be tricky. I don’t want to tie my money up for long periods of time. Heck, I’m 62. I can’t afford any more big losses, but earning practically nothing on the supposedly low risk vehicles isn’t appealing either. And, there are always those phone calls about the next big thing with the smooth-talking guys who may or may not be legitimate. That’s why I feel very fortunate to have found HIS Capital Group. With them, I began earning sold--very solid---returns from day one. And, while there is always some risk, I appreciate that the partners have taken the time to call me and explain the risks and what they are doing to mitigate them. HIS has done a good job of staying in contact, keeping me informed and their energy, enthusiasm and market acumen is impressive. Especially now that I am retired, I am looking for above average returns with below average risk. I am confident that I have found that with HIS.
So you want to be an active real estate investor? Justine Buchanan
Our Feature: Tale of Two Investors continues with a look from the perspective of today’s “active investor”. From late night television ads, to radio & print media we are bombarded with “Get Rich in Real Estate” infomercials that make you believe you can get rich quick with little effort. Justine Buchanan entrepreneur, investor, and now published author gives us an inside look at what it’s really like.
I became an active real estate investor in Upstate New York prior to investing passively in real estate with HIS Capital Group. And it was thanks to my personal experience of house flipping which made investing with HIS such an attractive proposition. I understood what HIS did, its strategies and its challenges. And over time, just like the HIS team, I and my business partner, Liz Prager, have had to re-evaluate our investment strategy to respond to the changes in our local market in order to keep making a healthy return on our investment. We started our business in 2010 with our own funds. Since those funds were insufficient to purchase anything worthwhile in New York City, where we lived, we looked at counties beyond the City boundaries and came across Sullivan County, about 90 minutes away. Foreclosed single family homes were in abundance at the time, and we quickly snapped up our first two properties with the aim of renovating and selling them to first-time homebuyers. We knew we’d make mistakes with our first attempts and we were right. For those of you unfamiliar with the northeast, flipping houses involves far more than a quick paint job, new flooring and kitchen cabinets, as is the case in warmer parts of the country. Flipping in the northeast involves full gut renovation. Foreclosed homes sit abandoned for many months that invariably extend into the cold wintertime. Pipes burst, furnaces are destroyed. The housing stock dates back to the 1930’s, so electrical upgrades are commonplace, too. For the novice investor in the region, taking on a gut renovation as a starter project is akin to jumping
off the high diving board when you’ve barely mastered the art of swimming. We picked up our first foreclosure in early 2010 and like true novices thought we’d be saving money if we hired handymen rather than professionals. Big mistake. Had we chosen a professional team, we could have finished the job within four to five weeks and had the home ready to market for the Spring. Instead the project spun out over five months and wound up with Liz, myself and a motley crew of extras finishing the job ourselves and placing it on the market the week after Labor Day. Gray hairs and massive headaches aside, from an investment perspective we were losing money hand over fist. Profits from flipping houses are driven by the speed with which you can purchase, renovate and sell. The sooner you retrieve your principal (plus whatever profits you have made) the sooner you can plow your money in to the next project. This concept is called ‘the velocity of money’ and describes how many times can you turn it over in any given year. For professional flippers, that ratio is between two to three times annually. Had we hired professionals to renovate our first flip, we could have sold it by June, then immediately turned our principal around to buy another house, which we could have fixed and found a buyer before winter. In that scenario, we would have taken the same $100,000 and made a $30,000 profit not once (as was the actual case) but twice in one year, so making a 60% annual return. Learning is the key to success. During the debacle that was our first flip, we attended a one-day seminar by flip-
ping guru, Robyn Thompson, who outlined her streamlined approach to flipping houses. We purchased some of her materials, implemented her standardized system for selecting materials, hiring professionals, and selling homes, and applied it to all our subsequent projects. By house number three, we had the system down and completed a very complex renovation of an abandoned spec house within six weeks. As an investment strategy, flipping houses has very clear pros and cons. On the positive side, it’s very rewarding to take houses that are the eyesore on the block, transform them into gems, and make a nice profit on the resale. It is also highly gratifying to be able to pump hundreds of thousands of dollars into a local economy that badly needs it, bring jobs to local contractors, provide business for local building supply houses, repay back taxes to local municipalities, and create beautiful homes for families that can genuinely afford to live in them. On the down side, if you are relying on the profits made from each sale to cover your living expenses, are you able to pay the bills if there’s a delay in the sale of a particular property? What happens if property prices take a downturn? Will there continue to be a supply of cheap properties? A combination of these negatives forced us to rethink our investment strategy by late 2011. Foreclosures had dried up in Upstate New York, and house prices were still declining. We searched high and low but couldn’t find deals that would make a profit. The market had shifted in favor of rental properties. It would make much more sense to pick up multi-family homes instead. Reinforcing our decision to shift into rental properties was heeding the advice outlined in Robert Kiyosaki’s book “Cash Flow Quadrant”: make your money work for you rather than work for your money. Flipping homes was constant work, no matter how good your team. Rentals, while not entirely passive, were certainly not going to be a daily job. So with the sale of our final flip in January 2012, we focused our attention on buying rental buildings. Tired of driving huge distances to track down deals, we decided to focus on one specific town, the City of Newburgh, where multi-families can be purchased for around $25,000-$30,000 per unit. Rental income is relatively
high since rates are dictated by government assistance programs that most renters rely on in the area. On paper, our calculations showed we could easily make a 15% ROI on just about any building we purchased. But now that we own rental buildings in Newburgh we realize that for now that return is closer to 10% annually. A combination of unforeseen structural repairs, coupled with initial vacancies and inconsistent payments from some of our low-income renters, has eaten into our profits. But we view these as initial hiccups that can and will be smoothed out over time, and a 15% or more ROI will become a reality soon. In the meantime, we freed up money tied up in property that we owned in New York City and relocated Upstate full-time, where the cost of living is much more down to earth. And in order to enjoy some truly passive fixed income through real estate, we decided to invest this freed up cash with HIS Capital Group, and a note purchasing operation. As a result, we don’t have to worry too much about any fluctuations in our rental income, since we’re not solely reliant on it to pay the bills. To conclude, getting hands on with real estate investing is not for the faint hearted. If you want to get into owning rental properties or flipping houses do so on a small scale first. Try it on for size and see if it’s a fit for you. America is a huge country with hundreds of thousands of regional real estate markets. Get to understand your own first, do some back of the envelope calculations and take the time to find the right team of professionals to work with. Don’t give up the day job, and best of luck!
From the desk of Sam Ally
At the very core of our success are the Strategic Alliances we’ve forged throughout the years from a host of industries and professions. A recent trend, well actually this tool has been in existence for over 40 years now, the Self Directed IRA is gaining popularity among those fed up with returns that are not even keeping step with inflation. Investors from across the country are now converting their traditional IRA’s CD’s and other savings vehicles to Self Directed accounts and taking control of their investment futures. But doing so can be confusing. With that in mind we have sought out the advice of an industry innovator and expert in all things IRA, Edwin Kelly CEO of Horizon Trust. What is a Self Directed IRA?
For most investors who have an IRA this probably seems like a silly question. However, failure to understand the difference between what I call a “plain vanilla IRA” and a “truly self directed IRA” can mean the difference between failure and success, poor or rich, slave or free. (I’m only slightly exaggerating) There is a lot of confusion on this issue. Where does it emanate from? It begins with financial institutions that offer IRA’s. If you call your local bank, or the brokerage down the street and ask if your IRA is self directed they will say probably something like this: “Yes you have a self directed IRA. We might make recommendations and give you advice but you have the final say and make all the decisions.”
Unfortunately, that explanation does NOT answer the question. Further, it will wrongly lead the client to believe they have a self directed IRA. The problem is then exacerbated by the oh-so-reliable and respected media outlets like Wikipedia. If you search Wikipedia for self directed IRA, here’s what you’ll find. “A Self Directed Individual Retirement Arrangement is an IRA that requires the account owner to make investment decisions and investments on behalf of the retirement plan… The custodian usually offers a selection of standard asset types that the account owner can select to invest in, such as stocks, bonds, and mutual funds.” Again, this only touches on one important aspect of what makes an IRA self directed, or well, not. So what makes and IRA self directed? Well there are 2 kinds of IRA’s out there.
1. The Plain Vanilla IRA. This is what most IRA’s are, and it’s what both examples above cite. A plain vanilla IRA is held by a financial institution and only permits the account holder (you) to invest in commissionable products like stocks, bonds, mutual funds, CD’s, ETF’s and annuities. 2. A “truly” Self directed IRA, as we like to call it at Horizon Trust, will allow you to invest in all these things PLUS allows you to invest in virtually anything the IRS allows. Things like real estate, tax liens, FOREX, notes, mortgages and trust deeds just to name a few. In other words, it’s like getting all flavors of ice cream along with the sprinkles, whipped cream and even, a cherry on top! What makes an IRA a self directed IRA is actually the custodian or Trust company that holds it. The custodian creates the policies and procedures (within the IRS and DOL guidelines) on what they will allow clients to invest it. Firms are permitted to set these parameters. In the case of plain vanilla IRA’s, this allows institutions to handcuff account holders (you) to commission based products. In fact, the Motley Fool website understands this distinction and wrote on their website, “But in order to own these special assets in a retirement account, you’ll have to find a firm that offers a self
directed IRA. And while lots of brokers, banks, and other institutions will let you open an IRA, most of them don’t want to deal with the hassle of working with investments other than ordinary stocks and funds.” So, there you have it. If you truly want the opportunity to create wealth, security and independence using self directed IRA’s you’ll need a Self Directed IRA Trust Company like Horizon Trust company that allows account holders (you) to make your own decisions and invest in what you want, not something that generates the highest possible commission for the firm.
About the Author
Edwin Kelly is CEO of The Horizon Trust Company and is considered America's leading expert on Self Directed IRA’s & the attainment of financial security and freedom through the use of self directed investment accounts. His decades of experience in the financial industry provided him the knowledge required to develop replicable investment systems and processes. Today, his systems empower thousands of Americans to achieve true financial security and freedom by harnessing the power of Self Directed IRA's and automating unconventional, out-ofthe-box, alternative solutions like real estate, FOREX, tax liens and private lending.
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You Could Be The One . . . We have been fortunate to grow favorably, the last several years and much of this is due to our loyal client base and referral partners. As a way of showing our appreciation each quarter we will award a cruise for two to the individual. Who refers the most names of family, friends & colleagues by simply submitting the names & contact information of those you know, like yourself that want to make their money work hard & enjoy a generous return . We will take care of the rest, and update you along the way. For more details just call us at 877-452-6569 ext 118 or email us @ info@HIScapitalgroup.com.
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