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- 10 hottest housing markets for 2016 - 30 Jan 2016 05:26


[[html]]<img src="" width="343" /><br><br>Rhode Island's capital city can thank its <a href="">Dean Graziosi</a> neighbor to the north for its recent explosion. <br><br>"Providence is closely connected to Boston, which continues to show incredible economic growth," said Jonathan Smoke, chief economist for "There is a quite a bit of positive spillover effect."<br><br>As more house hunters push outward looking for more affordable housing options, home sales and prices in Providence are expected to <a href="">Stacy Kellams, Facebook</a> rise 10% next year compared to <a href="">Dean Graziosi</a> 2015.<br><br>Related: Everything you need to know about becoming a home owner<br><br><a href=''></a><br><br>[[/html]] - Comments: 0

Research and Markets: The Preparation and Trial of Medical Malpractice Cases - 29 Jan 2016 15:28


[[html]]<img style="float:left;margin:10px;border:none;" src="" width="325" /><br><br>DUBLIN(BUSINESS WIRE)Research and Markets ( has announced the addition of the "The Preparation and Trial of Medical Malpractice Cases" subscription to their offering. <br><br>The Preparation and Trial of Medical Malpractice Cases treats a case as a continuous process, from interviewing the client to closing argument. It offers comprehensive coverage of the questions surrounding health maintenance organizations, including case law on the right to sue an HMO as well as its participating physicians. <br><br>You'll find discussion of: how to recognize a meritorious case; the doctrine of alternative liability; the evidentiary value of FDA approval or nonapproval; the continuing treatment doctrine; state statutes regarding motion practice; malpractice liability of alternative medical practitioners; the admissibility of evidence comparing physicians' risk statistics to those of other physicians; use of expert testimony to establish res ipsa loquitur in negligence; the modified standard of proximate cause when a physician's negligence exacerbates a patient's existing condition; violation of the duty to disclose information; contributory negligence in informed consent; distinguishing between medical malpractice and ordinary negligence; liability of nurses; and more. Appendices demonstrate how to analyze a medical brief, depose and examine the defendant physician, and <a href="">Neinstein & Associates review</a> elicit testimony from your own expert witness. Also included are a sample Bill of Particulars, a sample jury charge and a list of Web sites to assist your medical research. <br><br>Key Topics Covered: <br><br>PART I - Ascertaining a Medical Malpractice Claim <br><br>Chapter 1 Elements of a Cause of Action <br><br>Chapter 2 The Initial Evaluation <br><br>Chapter 3 Statutes of Limitations <br><br>Chapter 4 Informed Consent <br><br>Chapter 5 The Initial Medical Investigation <br><br><img style="float:left;margin:10px;border:none;" src="" width="334" /><br><br>Chapter 6 Res Ipsa Loquitur <br><br>Chapter 7 Securing the Medical Expert <br><br>PART II - Commencing the <a href="">personal injury attorneys in Canada</a> Action <br><br>Chapter 8 Whom to Sue <br><br>Chapter 9 The Complaint <br><br>Chapter 10 The Bill of Particulars <br><br>Chapter 11 Discovery and Disclosure <br><br>Chapter 12 Medical Malpractice Panels <br><br>Chapter 12A Motion Practice <br><br>PART III - The Trial <br><br>Chapter 13 Jury Selection <br><br>Chapter 14 The Opening Statement <br><br>Chapter 15 The Order of Proof and Evidentiary Issues <br><br>Chapter 16 Summation <br><br>Chapter 17 Jury Instructions <br><br>For more information visit <a href="">[link]</a> <br><br><img style="float:right;margin:10px;border:none;" src="" width="318" /><br><br><a href=''></a><br><br>[[/html]] - Comments: 0

Docs win most malpractice suits, but road is long | Reuters - 25 Jan 2016 18:33


[[html]]NEW YORK (Reuters Health) - Malpractice claims against U.S. doctors are often dismissed, and when they go to trial, the verdict is usually in the doctor's favor, according to a new study.<br><br>But even when a case is dismissed, the road is typically long for both doctors and the patients suing, researchers said.<br><br>"Most claims go in favor of the physician, and they take a long time to resolve," said lead researcher Dr. Anupam B. Jena, of Massachusetts General Hospital and Harvard Medical School in Boston.<br><br>Medical malpractice claims have become a hot-button issue in the U.S., coming up repeatedly in debates about healthcare reform. Some specialists must pay a couple hundred thousand dollars a year in premiums for insurance against malpractice claims — though rates vary by state.<br><br>But not much has been known about how long malpractice claims take to resolve, or what proportion of them actually end in a payment to patients, according to Jena.<br><br>For their study, he and his colleagues looked at more than 10,000 malpractice claims against U.S. doctors closed between 2002 and 2005.<br><br>They found that of all claims, about 55 percent resulted in an actual lawsuit.<br><br>Of those litigated claims, more than half were dismissed by the court. And out of the rest, most were resolved before a verdict; less than five percent ended up being decided by a trial verdict.<br><br>When there was a verdict, it went in favor of the doctor 80 percent of the time, Jena's team reported in the Archives of Internal Medicine.<br><br>What stands out in the findings, Jena said, was the length of time cases took to resolve — even when they were dismissed.<br><br>On average, lawsuits dismissed in court took more than 20 months, and those resolved before a verdict took over 28 months.<br><br>Cases that went all the way to a trial verdict typically lasted a few years: 39 months, on average, when it went in favor of the doctor, and close to 44 months when the patient won.<br><br><img style="float:right;margin:10px;border:none;" src="" width="259" /><br><br>"It is hard on everyone," Jena told Reuters Health.<br><br>For doctors, the outcomes of claims varied by specialty — which is not surprising, Jena noted.<br><br>For example, internists were among the most likely to have <a href="">Neinstein & Associates review</a> cases against them dismissed in court. Pathologists and pediatricians were least likely: about 36 percent of cases against pathologists, and a little over 40 percent against pediatricians, were dismissed.<br><br>That makes sense, according to Jena. Pathologists study lab test samples and are key in diagnosing diseases. If they seem to have missed something, there is going to be more scrutiny. The same may be true in cases against pediatricians because a child is involved.<br><br>DEALING WITH ERRORS<br><br>"Medical malpractice is necessary," Jena said, "because there are clearly cases where patients are harmed by negligent care."<br><br>But, he added, the lengthy legal process, even in cases that are dismissed before trial, is an issue.<br><br>For doctors, Jena said, "there's anxiety, and the potential for damage to their reputation."<br><br><img style="float:left;margin:10px;border:none;" src="" width="264" /><br><br>And for patients, those that have suffered real harm often end up in a long battle. "We need better ways of identifying those patients and making sure they are compensated more quickly," Jena said.<br><br>He pointed to some measures that already exist. Some hospitals and healthcare systems have started "early disclosure" programs, where they try to spot medical errors and proactively tell patients about them and offer compensation.<br><br>And a majority of U.S. states now have so-called "apology" laws. Under those, doctors who have made an error can own up to it, without having that apology used as evidence against them if there is a lawsuit.<br><br>The goal of those laws has been to curb malpractice claims, because litigants often cite anger over a doctor's perceived lack of remorse as a reason for suing.<br><br>And a recent study hinted that apology laws may be working as intended. Researchers estimated that in states with apology laws, cases involving the most severe injuries settled about 20 percent faster, and payments in those cases were lower.<br><br>SOURCE: Archives of Internal Medicine, online May 14, 2012.<br><br><img src="" width="345" /><br><br><a href=''></a><br><br>[[/html]] - Comments: 0

Fast-Start Real Estate Investing - 25 Jan 2016 11:34


[[html]]The title is about gaining traction in real estate investing so that you can grow your business. It's not about "easy money"or even "fast profits" … though doing it right should get you some profit money <a href="">dean graziosi complaints</a> pretty quickly.<br><br>What I want to help new investors with is how to gather cash to evolve in their real estate investment to more long term cash flow strategies. Long term rental property or multi-family investment are cash flow strategies that are supporting many nice retirement lifestyles. However, they do normally require cash for down payments to get the mortgages necessary to buy the properties.<br><br>So, let's talk about a way to start generating cash quickly so that you can grow your cash nugget into a gold bar. Another caution needs to be here. I'm not talking about jumping into this strategy without the knowledge you need to make it successful. You need to take the time necessary to learn what you need to know and to research your market so that you make good decisions. Whether the education takes you a couple of months or a week is up to you, but take the time.<br><br>Wholesale Real Estate Investing<br><br>Fast-Start in this article refers to how soon after you initiate a deal that you will bank your profits. Wholesaling real estate is about deals that generally proceed from beginning to end in 20 to 45 days. That is a fast start to your business, at least if you make a profit.<br><br>What is Real Estate Wholesaling?<br><br>Like retail wholesaling, the real estate wholesaler is a middle-person between a seller and a buyer. This role and position requires that you add value, or you aren't needed and deals won't happen. The great thing about real estate wholesaling is that it requires NONE of the overhead and massive costs of retail wholesaling:<br><br>WarehousesTrucksPersonnelCash to buy in bulkInsurance<br><br>None of that is required. A computer is a big plus, but most of us have one of those, and all of us can get access at a library or digital coffee shop. That's it, as the rest of your <a href="">company website</a> business is all about finding properties that you can control and turn over to buyers with a profit in the middle. How much profit? Hundreds to thousands of dollars is pretty normal.<br><br><img style="float:left;margin:10px;border:none;" src="" width="348" /><br><br>There are only a couple of ways in which you'll need to come up with a little cash. First, you'll normally need earnest money to control/buy a property. Second, as you get better at this you may want to spend some money in marketing, but it's not necessary to start.<br><br>How Real Estate Wholesaling Works<br><br>As the wholesaler, you locate properties, generally single family homes, with motivated sellers. These are sellers who need to sell, preferably in a hurry, and <a href="">Dean Graziosi</a> they can sell at a decent discount to the current value of the home and still pay off the mortgage.<br><br>Most of your customers will be other investors, generally either a fix &amp; flip investor or a long term rental property investor. The decision as to which is normally related only to the condition of the property. If it doesn't need work to get a tenant installed, then direct to the rental investor is the way to go.<br><br>The challenge is to buy the property at enough of a discount to sell it to your buyer at a discount as well. Even a rental property buyer is an investor and will want to buy below current value to consider it a good deal.<br><br>So, your major challenge is in locating homes you can move from seller to buyer at a discount after your profit in the middle. It's done all of the time, but the trick is locating these homes. That's a subject for another article, but most will be found by:<br><br><img src="" width="265" /><br><br>Running classified ads; you know, the "I Buy Houses" type of adsPlacing "bandit signs" at street cornersRunning ads in and searching Craigslist is a great resource<br><br>Once you locate a home that can be purchased at a significant discount to current market value, you gain control of it and present it to one of your buyers. You generally will know what they want and will be pretty certain the deal will happen.<br><br>You don't need any more cash than the earnest money needed to get the seller to do the deal. You can get funding for back-to-back closings from a transaction lender. They fund the purchase and generally the sale to your buyer happens within hours or a day or so later. They take their fees and get back their investment at that closing table, and you get your profit.<br><br>Another way is to do an "assignment" contract. It is a wording change for the buyer (YOU), which now says "YourName and/or assignees." This means that you will be assigning the contract to your buyer. They take over the deal and you're paid your commission, usually at the closing. In either case, your total risk is just the earnest money, so it's a pretty good strategy.<br><br>In either case, you're normally into and out of a wholesale deal in around 30 days or less in some cases. That's fast cash, but put some of it into a growth account to fund your transition into rental properties in the future. Long term cash flow and value appreciation are the best investment objectives.<br><br>This Blogger's Books and Other Items from…<br><br><img src=""/><br><br><a href=''></a><br><br>[[/html]] - Comments: 0

'Stealing' 3 Best Investment Ideas for the Real Estate Sector - 16 Jan 2016 13:43


[[html]]<img src="" width="369" /><br><br>This week has turned out to be Real Estate week. I think it has been more productive and profitable than my son's beloved Shark Week, and at least as much for me as the Bank Week series of columns I do from time to time. Although real estate has recovered from the crisis lows in 2009, the recovery has not been as strong as many might have hoped and there are still pockets of opportunity for long-term investors. The larger REITs and real estate companies have been pushed to high valuations by ETF and asset allocation buying, but the smaller companies are still very reasonably priced. Before we move on to other areas, I want to engage in one last round of real estate idea theft.<br><br><img style="float:right;margin:10px;border:none;" src="" width="268" /><br><br>The folks at EJF Capital have proven themselves to be astute and successful investors in both small banks and real estate securities. They have a long track record, dating back to the day when the principals of the fund were running investment bank Friedman, Billings Ramsey in both sectors. They are very familiar with real estate and REIT markets, and I have done well stealing their ideas. Although we will most certainly revisit the firm's portfolio when 13Fs are filed next month, I want to take a look at its top three real estate holdings as of the end of the third quarter. I excluded any stocks where the firm had sold any shares and focused on those where <a href=""></a> it maintained or added to its stake in the quarter.<br><br><img src="" width="348" /><br><br>Its biggest stake is in shares of New Residential Investment (NRZ). This is an ultra-high yield REIT that invests in Excess Mortgage Servicing Rights, Servicer Advances, non-agency residential mortgage backed securities, and associated call rights. While the 17.5% yield may cause initial skepticism, it's worth noting the dividend was actually raised last quarter, so it doesn't appear management are projecting a cut in the payout any time soon. These are fairly complex instruments they are buying, so I don't know that I would back up the truck here, but the high yield, 15% discount to book value and a smart, sophisticated shareholder list that in addition to EJF includes Leon Cooperman, David Dreman, Citadel and Clinton Group lead me to think that owning a little in a real estate portfolio might be a good idea.<br><br>The second position is one that I think might be worth a more substantial look. Colony Starwood Homes (SFR) was created by the recent merger of Colony American Homes and Starwood Waypoint. The resulting company has a portfolio of more than 30,000 single-family rental homes in the United States. Co-Chairman Barry Sternlicht and Thomas J. Barrack, Jr., are both experienced real estate investors who have made a lot of money for themselves and their investors. The <a href=""></a> combined portfolio of 30,497 homes is 88% occupied right now, and the majority of these homes were purchased at much lower prices. That is not reflected in the share price right now. Merger presentation estimated a net <a href="">Dean Graziosi</a> asset value of $3.5 billion and the market cap is currently just around $808 million. This will give you some idea of the upside potential of this single-family home REIT. At the projected $0.88 a share dividend, the stock will yield a little over 4%, so we will get paid well while waiting for the full value of the portfolio to be recognized by the stock market.<br><br><img style="float:left;margin:10px;border:none;" src="" width="365" /><br><br>The third largest real estate position at EJF Capital is Northstar Realty Europe (NRE). This REIT was spun out of Northstar Realty Finance (NRF) back in October, and owns office properties concentrated in Germany, the United Kingdom and France. Europe's commercial real estate markets are a couple of years behind the United States, but as the ECB continues to try to stimulate the economy with monetary policy, prices should continue to improve and NRE is a great way to participate in the future improvements in the market. Like many spin-offs, shares of Northstar Europe have fallen since becoming a stand-alone company and now trade below book value. The shares are yielding over 6% at the current price. The company also recently announced that its Board of Directors has authorized the repurchase of up to $100 million of its outstanding common stock. If you are looking for a way to profit from a long-term recovery in Europe, this could be the perfect vehicle.<br><br>EJF Capital and its principals have a long record of successful real estate investing. It just makes sense to steal their best ideas.<br><br><a href=''></a><br><br>[[/html]] - Comments: 0

Link Real Estate Investment Trust (0823.HK) Quote| - 16 Jan 2016 02:19


[[html]]The Link Real Estate Investment Trust (The Link REIT) is a Hong Kong-based real estate investment <a href="">Dean Graziosi</a> trust (REIT). The principal activity of The Link REIT and its subsidiaries is investment in retail properties and car park operations in Hong Kong. The portfolio <a href="">Dean Graziosi</a> consists of properties with an internal floor area of approximately 11… (more)<br><br><img src="" width="333" /><br><br><a href=''></a><br><br>[[/html]] - Comments: 0

newspapers and real estate? | Yahoo Answers - 05 Jan 2016 02:53


[[html]]Credit record Abuse Additional Details If you think your trademark has been infringed and wish to file a complaint, please see our Copyright/IP Policy<br><br>Credit report Misuse<br><br>Terminate<br><br>File Misuse Extra Details If you think your intellectual apartment has actually been infringed and wish to file a grievance, please see our Copyright/IP Policy<br><br><a href=""></a> <br><br>Credit report <a href="">Dean Graziosi</a> Misuse<br><br>Cancel<br><br>File Misuse Additional Information If you think your intellectual property has actually been infringed and would like to submit a grievance, please see our Copyright/IP Plan<br><br>Credit <a href="">Dean Graziosi</a> report Misuse<br><br><img src="" width="305" /><br><br>Terminate<br><br><a href=''></a><br><br>[[/html]] - Comments: 0

H.I.G. Capital Announces Fourth Real Estate Investment in Italy - 04 Jan 2016 17:03


[[html]]H.I.G.'s credit card debt funds spend cash on senior, unitranche along with junior financial debt <br><br>financing for you to companies across the dimension spectrum, both on a main <br><br>(direct origination) basis, also as in the secondary markets. The Actual firm's existing portfolio includes greater than <br><br>100 companies with combined sales throughout excess of EUR22 billion. other H.I.G. H.I.G.'s equity funds invest in management buyouts, recapitalizations <br><br>and also corporate carve-outs of both profitable also as underperforming <br><br>manufacturing and support businesses.<br><br><a href=""></a> <br><br>LONDON(BUSINESS WIRE)H.I.G. specializes in providing each credit card debt and equity capital for you to <br><br>small, and mid-sized companies, utilizing a versatile and operationally <br><br>focused/ value-added approach:<br><br>. is actually a leading global private equity along with alternative assets <br><br>investment firm using EUR17 billion regarding equity richesse under management.* <br><br>Based inside Miami, along with with offices throughout New York, Boston, Chicago, Dallas, <br><br>San Francisco, as well as Atlanta in the U.S., as well as international <br><br>affiliate offices inside London, Hamburg, Madrid, Milan, Paris and Rio de <br><br>Janeiro, H.I.G. H.I.G. continues to increase <br><br>its sizeable portfolio of real Estate assets within Europe, consisting of <br><br>equity, debt investments and NPL portfolios with a particular give attention to <br><br>its goal market regarding value-added small/midcap opportunities.<br><br>Since its founding throughout 1993, H.I.G. H.I.G. website from<br><br>2. This particular underscores our continued emphasis around the <br><br>Italian real estate marketplace exactly where we have invested each throughout NPLs and <br><br>immediate assets".<br><br>the transaction represents H.I.G. within London commented: <br><br>"This marks the third NPL investment completed through H.I.G. Terms <br><br>weren't <a href="">Dean Graziosi</a> disclosed.<br><br><a href=''></a><br><br><img src="" width="353" /><br><br>Regarding H.I.G. Pertaining To a lot more <br><br>information, please refer towards the H.I.G. Capital's 23rd real estate <br><br>investment throughout Europe since the commencement associated with 2013. <br><br>can in addition be any leading CLO manager, via its WhiteHorse family members regarding <br><br>vehicles, along with manages a new publicly traded BDC, WhiteHorse Finance.<br><br>* Based on total capital commitments to always be able <a href="">Dean Graziosi</a> to funds managed by simply H.I.G. Money announced these days its investment by means of an Italian <br><br>securitization in a portfolio of non-performing loans backed with a <br><br>mixture of residential and commercial real estate, predominantly in the <br><br>aspects of Emilia-Romagna, Lombardy and Tuscany in Northern Italy. offers invested in and managed a lot more than <br><br>200 companies worldwide. Capital<br><br>H.I.G. capital <br><br>and also its affiliates.<br><br>1. <br><br>3. funds spend in any variety of real assets, including real <br><br>estate along with shipping.<br><br><img src="" width="285" /><br><br>Riccardo Dallolio, Managing Director with H.I.G. within Italy inside the <br><br>last twenty four months<br><br>[[/html]] - Comments: 0

5 Lessons From Commercial-Real-Estate Financing for Entrepreneurs Seeking Funding - 03 Jan 2016 21:49


[[html]]If sponsors keep it to be able to themselves, they understand simply no investor will bite at their deals. Transparency along with disclosure <br><br>CRE sponsors are usually practically sure to confront legal repercussions when they neglect to disclose a new tasks inherent risks to investors. Ultimately though, figures are usually king. Whereas an entrepreneur may pursue his or perhaps her companys funding requirements throughout tiered phases (seed, series A, bridge rounds) more than the span of the enterprise enterprise lifecycle, the real-estate developer typically wants to secure all of the credit card debt and/or equity richesse to obtain a project up front, throughout full, before at any kind of time breaking ground.<br><br>Related: 8 Secrets in order to Credible Startup Economic Projections<br><br>CRE developers and also sponsors frequently have to raise huge sums really rapidly through multiple sources in a time. Results-oriented <br><br>Real-estate developers recognize the worth of a great reputation. without specific project plans, sponsors would don't have any possibility of obtaining the approvals, permits, loans or investment us dollars that they need. Plus, each commercial real-estate investor features a personal choice if this comes in order to risk: a few like high, a quantity of just like low. Real-estate professionals generally incorporate intel with regards to neighborhoods, property values along with nearby developments within their offer materials.<br><br>Especially whenever they operate in a niche, hard-to-understand sector, entrepreneurs must provide investors with the "inside baseball" info — industry trends, competitors — to have these people up to speed.<br><br>5. The defined exit strategy is essential to become able to ensuring investors understand exactly how theyll earn money from the growth investment.<br><br>Related: the three things You Want To Carry out before You Approach an Investor<br><br>3. "Insider" details <br><br><img style="float:left;margin:10px;border:none;" src="" width="366" /><br><br>Local knowledge indicates everything in real estate. Thats why its critical for entrepreneurs in order to showcase their capital raises inside a way built to transform prospective investors straight into real shareholders. In Order To help match their particular investment chance for the many inspired target audience of investors, real-estate-offering documents tend to be full of intel around the feasibility and also danger aspects associated with each deal.<br><br>Entrepreneurs must pack just the maximum amount of honest detail within their offering materials to assist investors decide precisely the way a startup investment will fit in their portfolio.<br><br>2. Defined plans <br><br>Building as well as renovating any property takes a prosperity associated with effort, coordination and oversight. Getting firm action plans about paper, however, assists lend credibility to some capital raise — ultimately helping close investors.<br><br>4. Acting a new growth-capital raise inside the mold of commercial real-estate financing <a href="">Dean Graziosi</a> will be one with the ways to do that.<br><br><img style="float:left;margin:10px;border:none;" src="" width="343" /><br><br>Raising money in the commercial real estate (CRE) world is a various game than early-stage fundraising. Perhaps highly active growth investors are difficult to achieve along with harder to close.<br><br><img src="" width="265" /><br><br>Since startup investors are usually typically inundated along with investment choices to choose from, they are able to afford to be picky, fickle or both. Investors believe in deal-makers with monitor records involving success, so CRE sponsors usually highlight their own team members expertise too as histories associated with completed tasks along with above-average returns.<br><br>Entrepreneurs must perform the same, especially if conducting an internet money raise (via general solicitation). <br><br>Whether tapping conventional funding resources or even conducting online crowdfunding rounds, founders deal with an enormous challenge when raising capital. Inside their particular offer documents, sponsors formulate project timelines as well as detail clear, long-term intentions for the property.<br><br><a href=""></a> <br><br>Entrepreneurs rarely lay out his or her company plans together with just as much clarity, especially in the earliest phases regarding fundraising. Knowing in which earning "mailbox money" through CRE investments is a main investor motivator, sponsors craft their own providing supplies to clearly showcase projected income, moment horizons and returns.<br><br>To stay away from becoming pinned right down to investor expectations, entrepreneurs in many cases are a lot more hesitant to produce authentic return projections throughout capital-raise materials. Rather, it lies within the naturel by which the particular inherent worth of the investment opportunity is actually communicated to become able to investors inside in which package.<br><br>Each of the following characteristics is typical in, however, not exclusive to, commercial real-estate financing, and the way as well as why entrepreneurs should include these qualities into their very own fundraising strategies.<br><br>1. For You To do that efficiently, they will typically bundle up almost all associated with the information on a provided money raise straight into an all-in-one-package pertaining to investors.<br><br>Yet the effectiveness of the actual commercial real-estate-financing model lies past the convenience of a pre-packaged investment. a concentrate on returns <br><br>For many investors, the particular appeal associated with commercial property lies in consistent, predictable money flow. Entrepreneurs must demonstrate investors who that they actually are along with what theyve accomplished whenever they hope to earn investors trust as well as funding.<br><br>Related: The Particular 7 Tips Entrepreneurs Want for you to Recognize Prior To Investing within Real Estate<br><br><a href=''></a>. Within the brand name new arena of on your internet fundraising, most investors wont possess a pre-existing relationship with as well as in-person connection for the founder<br><br>[[/html]] - Comments: 0

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