Using The Internet In Your Lease Purchase Business

Comments (20)

First you need to find a list of For Sale By Owner Sites. You do this by going to one of the major search engines. Our two favorites are Yahoo and Google, but any one of them will do. Enter For Sale By Owner (FSBO) as your search words. After you search for FSBOs you will get a bunch of sites to go visit. Visit them, check them out, see how they work, and the ones you like put in a favorites folder entitled FSBOs.

Now that you have a list of FSBO sites you need to get telephone numbers of sellers who have homes you would like to lease purchase in your state. For those of you lucky enough to border another state you can enter a search for that state next.

Remember to set up your yellow legal pad with columns for telephone number, type of property (single family, condo, townhouse), price and notes section. Remember you also need to set up your database with the same information. However, you are going to want your database to have two additional fields for date your called, and action to take.

Go through the FSBOs sites you have collected and take down the appropriate information. Get your telephone script handy and start calling. After you are through with your telephone calls, enter the information in your database. We use Access, but any database will do. In the action to take field I make a note of whether I need to send a letter, email, newsletter, and/or to tickle to call again.

Next, however, you want to have a mail merge program. For example, we use Group Mail for all on-line correspondence. Group Mail allows me to take my Access files and import them into Group Mail. It also affords me the ability to make my emails very personable by using the individuals name in my letter, the date I called on the property, and depending on the email when I will follow up. In addition the program also allows me to put specific groups (prospects, consults, tenant buyers) into separate groups. I can have a very large Access database that Group Mail (it will import most major databases) will sort out for me, and give me just who I want to send a specific email to. For all off-line correspondence I use Microsoft Word.

So to continue, after I am done with my calling and have entered all my information in Access. I use Microsoft Word to send out my follow-up letters. Some sellers I just send my thank you for speaking with me, here's my card letter. Others I want to be more specific with and will send my these are the ways we work with you letter, and so on. For you PFYS students, these letters and emails are in the LP manual.

After I have completed my follow-up correspondence off-line I want to be sure to have this information in my Group Mail program for follow up on line. For example, I have groups set up for the various follow-up emails that I send out based on the off-line letters sent.

So get on the Internet, find some FSBOs, call and send out those all important follow up letters, and be sure to personalize them.

Copyright 2003 DeFiore Enterprises

About the Author

Interested in having your own successful, home based creative real estate investing business? Chuck and Sue have been helping folks start successful home based businesses for over 19 years, and we can help you too! To see how, visit


radrickdavis 13.12.2008. 07:28

How do you negotiate a good price on new furniture? I've never purchased something like furniture or a car before, and I do not have much of a poker face. Any tips on negotiating for furniture to get the best price and deal, or where to shop? It's sort of like a life skill I never learned, so if I can't figure this out, I might just bring my cop friend along with me to help me out.


Admin 13.12.2008. 07:28

1. Look for sales. In our area, every few months we'll see someone standing on a busy corner with a big sign about some furniture store liquidating or going out of business. Go, see what they have and check the prices. Best bargains will be had at closings and liquidations. However, understand, if you buy that way, you are not going to be able to make a return if something is not right, and sometimes you may not be able to pay by check.

2. Check online or do some in store checking at a number of stores to get a good idea of what the prices are in general. You cannot go in and be buying at the first place you look at if you have no basis for comparison.

3. Look to buy towards the end of the month. Salespeople are looking to make sales and move inventory at month end to make their sales quota for the month - so they will be more amenable to give additional discounts, low rate or free shipping, possibly eat the sales tax on your purchase.

4. Remember that everything is negotiable. If the salesperson is not willing to budge on price and you think you should be getting better terms, write down all the prices being offered on what you want, and say "this is all really good, however I just need to go to XYZ (local/known competitor) and check what they have".

Above was for furniture, however, for autos it is basically the same. Auto prices are very well known these days (visit and have the base and option prices for what you want when you visit a dealer. For autos other things to keep in mind:

1. If you are buying new, negotiate your best deal, then indicate your trade-in (if doing that).

2. Auto manufacturers are in deep trouble right now. US are teetering on bankruptcy, foreign have lower sales because US consumer is not buying. After negotiating your best deal, indicate you want interest free financing for the longest period they can provide. With 0% it will generally be no more than 2 years. However, they can also offer 0.9%, 1.9%, etc. If you have good credit you will be in a much better position to negotiate.

3. When negotiating at an auto dealership, do not let the salesperson put lots of numbers in front of you giving a monthly payment and saying "sign this, let me talk with my manager to see if it's ok". You tell him "give me the total price with everything included" (which you can compare to your numbers). A monthly payment hides what the total cost is to you.

4. Dealerships will always try and throw other things into the total - tell the salesperson to eliminate anything which is not: 1. the car or 2. required tax/title/documentation fees. "Dealer Prep" is a favorite for a few hundred dollars. Do not agree to this charge.

We bought a new car once, 13 years ago and will keep it until it is on life support. We now only buy used from the dealer. We look online for what the dealer's inventory is, find what we want, call to make an appointment to go and see/drive. We go with a set price of what we'll pay and the dealer accepts it. Whatever the internet posted price is, we'll take 10% to 20% off, give them our flat/final/all-in price and have not had any issue. The dealers have many off-lease vehicles with low mileage and are looking to move them. They'll be much easier as far as negotiation, and will provide anywhere from 3 months to a full year warranty. Since a new car will depreciate very rapidly, you should try to go the used route and get into the mindset that an auto is just a utility - something you use to get you from one place to another reliably and has a limited life. Personally, I'd rather let the original purchaser pay the full retail price, and then pick up the vehicle at half price when its 2 years old.

In any case, with the economy the way it is today, the buyer is in the best negotiating position ever. Key point is that you have to be able to just walk away if the deal isn't right. You might even try to go visit some places and just look, and then walk away. Don't go in to the office, don't sit down and talk, don't sign anything.


Aaron 22.11.2010. 12:21

How much does it cost to start up an aquarium shop? I am looking to start up my own aquarium business and I was wondering how much it would cost to fit it out.


Admin 22.11.2010. 12:21

It depends on your location and the size of your shop. Does your state have a sales tax for example? What are the lease rates in your area and how large of a shop are you looking to operate?

I started mine after I saved up $80,000. I ended up having to borrow an additional $50,000. And that was just a bare-bones store and I had a lot of my tanks existing already! We had a shop 1700 square feet. The store made enough to keep the doors open the first year and basically paid for itself, but I had to continue to work a regular job to pay for my other bills and oftenhad to use my paycheck to cover rent on a short month. My husband and I worked like crazy! I used up a ton of vacation time and all my savings. So bare bones, $130,000.00, with more being better.

The lease locations usually want first, last, and a deposit usually equal to one month rent, and a 2-5 year commitment (you still owe them the money even if you move or close!) plus a common area maintenance fee. Signs can cost thousands of dollars, plus the permit fees and installation (FYI avoid Signtronix/Northern Leasing as if your life depended on it = scam). The display systems cost thousands, as does the stock. The power company charges larger rates for commercial locations and will also want a deposit. You have to buy liability insurance, pay workman's comp insurance, pay for the licensing, put a deposit with the State for the taxes, etc. You have to have fire inspections as well and usually have to pay a separate company to put in and certify your exit signs and fire extinguishers. Then you have fees like phone, internet, banking fees, ATM or POS machines lease/purchase, the counters, the register, advertising, etc, etc. Are you doing your own accounting or planning on hiring someone?..again lots of money!

Sit down, research and put an estimated price per all the expected fees. Then double that! Don't expect to make that money back until year 3. A business plan is your first step. If you plan to burrow money, no bank will even consider you without one. Check the market on existing is business, what are their sales, incomes, etc? Also, how do you want to set up the business? LLC? Corporation? DBA?

It isn't something you can just open up on a whim and expect to get anywhere. It takes planning, many hours, and a load of money. In the first year I was putting in 18 hour days most the time as was my husband!

We had one lady open shop five months before we opened and she close in three months due to poor planning (had to load up supplies and flee in the night because the landlord was locking her out for failure to pay rent!). Everyone is suing this poor girl because she did everything on credit, underestimated, couldn't stay open, got evicted and owes hundreds of thousands! She was only open for three months and never even got her saltwater tanks full of fish! I helped her out and bought many of her livestock and supplies when we started, but she got a divorce from the ordeal and is still in debt and fighting in court three years later!

The key: planning, and lots of it!

We did OK, and managed to keep going for several years, then the economy tanked. Our lease was up and we were in the process of moving shop since the lease rates were great in better locations, but the market crashed, we decided to wait and see what happened rather than sign a new three year lease. It was a good move as the two other fish stores in town shut down three months later because the economy! They both are in bankruptcy right now! Luckily we hit just at the right time, moved everything to storage or back home and are ready to open again when things look better in maybe 2012! We kept our fish tank maintenance division open but closed the retail location for now. (Never rely just one sales, maintenance is a great and steady additional income! We were the only shop that did it and it kept us going when sales dropped off)

Start with something simple like tank maintenance which cost a fraction of a retail location as it is a service based business and not a commodity based business. Once you get known, then think of a fish store retail location. It will save you loads of heartache.


Eric 10.02.2013. 04:56

What is Directv's current policy on activating "owned" recievers? I have heard from several sources on the internet that Directv will activate a purchased reciever, wether it be purchased full price new or bought used, as a leased reciever and I would still have to pay lease fees and renew my contract for two years. In the event that I should opt out of service, I would have to turn "MY" reciever in to Directv. Is this true? I feel like if I am paying for their service and want to use a reciever that I spend my own money for to OWN it, it should belong to me not them. If it is so then that is robbery and not good business. If it is true then I am out of contract and will tell the to kiss my a**. They can treat others unfairly but I will be sendi.g them no more of my money.


Admin 10.02.2013. 04:56

I bought my own and never had to turn it in when I immigrated from the USA to Singapore. The reason I bought my own was not due to the rental. I did so because you can get one with a much bigger hard drive if you buy your own. At the time DTV only offered 35 hours of HDTV recording. I could buy one with something like 100 hours for only $120. Sorry I do not remember the exact numbers.


princesskashmir73 14.09.2006. 21:03

Can the state of Arizona collect sales tax on out of state internet commerce sans nexus? I was under the impression that nexus is required to be established within the state of Arizona, otherwise, the seller is not liable for any state sales tax. Please provide me with links establishing your argument, if possible.


Admin 14.09.2006. 21:03

From the Arizona Department of Revenue website:

"Arizona Department of Revenue
Transaction Privilege and Use Tax
The tax commonly referred to as a "sales tax" is in reality two distinct taxes. The first is the Transaction Privilege Tax, which is a tax on the privilege of doing business in Arizona. It is measured by the value of tangible personal property sold by the vendor in Arizona. The vendor is liable for the tax, even though the vendor may pass on the tax to the consumer. The second is the Use Tax. The Use Tax is a tax on any tangible personal property bought from an out-of-state vendor that is stored, used, or consumed in Arizona on which no tax was paid to the state of sale. The consumer is liable for the Use Tax, however the vendor is responsible for collecting and remitting the tax to the state as long as nexus is established. If a lesser amount of tax was paid to the state of sale than would have been paid had the property had been purchased in Arizona, the consumer is liable for the difference.

Determining Transaction Privilege/Use Tax Nexus within Arizona:
The following is a general guideline of activities that, if engaged in, may exceed the minimum threshold of nexus and subject the business to the Transaction Privilege Tax, or Use Tax requirements of Arizona:
? Employee present in the state for more than two days per year.
? Ownership or lease of real or personal property in Arizona.
? Maintenance of an office of place of business in Arizona.
? Delivery of merchandise into Arizona on vehicles owned or leased by the taxpayer.
? Independent contractors or other non-employee representatives present in Arizona for more than two days per year for the purpose of establishing and maintaining a market for the taxpayer. Examples of establishing and maintaining a market include: soliciting sales; making repairs; collecting delinquent accounts; delivering property sold to customers; installing products; conducting training for employees or representatives of the company or customers; resolving customers complaints; providing consulting services; soliciting, negotiation, or entering into franchising agreements. "

It appears that Arizona requires YOU to collect the use tax from their in-state resident?


Jihanemo 21.09.2007. 14:25

When purchasing a used car from a dealership, what should come with deal? What should I make sure comes with the agreement/contract? (I'm financing some) a good rate? How much? Servicing? What kind of warranty? Road-side assistance? What are some of the things I should look out for? How do they put this in writing? I'm getting a Ford Explorer.
Getting the Explorer from the FORD DEALERSHIP.


Admin 21.09.2007. 14:25

We have invented the internet .... Thous we have good sources to help us research ... to look for a good trade-in value and/or for a good price on the new ford explorer, look at these websites for research... ( - - - ) when you understand what the average numbers are , tell the dealer your opinion ... the trick is to know what your talking about ( invoice - blue books - incentives - rebates - special offers, such as financing or leasing ) AND... your suppose to low ball them to let them know you mean business... All salesman are lazy and will answer any question you will ask them - keep in mind that it doesn't hurt to ask!

If buying a used car = check carfax ... do not buy any carfax report - every dealership has an account already - take advantage of that...

If financing , check out..... ..... This website has free calculators to understand what any monthly payment will be at any rate , term and size of loan .... It's good to compare apples to apples ...

Plus , every consumer has the right to check with other lenders before that dealership sends your loan to their banks ... Be careful shop around because some dealerships make money in financing...

If you put a lot of money down - no need for gap insurance = pays the loan off to the exact penny if insurance doesn't at a total loss of car ( stolen - crash total )

About the warranty

If used , ask the dealer to tell you what the recon was = reconditioning costs and reparis to make ready for resale ) the carfax will help you understand when the factory warranty is up ... Make sure you know what the coverages are and for how long it is for .... Do not get a certified warranty - If a dealer is offering a certified car ask them to decertify it and get about $1,000 to $1800 knocked off..( depending on model ) which is usually enough to buy atleast a 2 year vs. 24k additional miles service agreement ...way more coverage in service agreements ( electrical things ...)
Then ask or know what are the deductibles per repair ... Every used car service agreements have those ... They are similar to insurance policies ... If your repair is less then deductible you pay out of pocket ... Usuaklly the average deductible per repair is $100 ....

Example ... If engine and transmission go bad ... you pay $200 ... then you get them fixed ...

make sure you know who is offering the warranty ... If buying a ford make sure you can go to the nearest ford dealership for repairs = recommended ..... Don't get 3rd party = usually through lenders... they suck and take longer to make claims ... Make sure you fully understand what parts are used ... example ... If engine goes bad ... do they buy you a whole new one ... Or rebuild it with cheap parts...

i want to say all service agreements come with towing - trip interuption etc... benefits come as a standard plus for you check that as well

Good luck
Feel free to ask away!


Jayson 12.05.2010. 23:10

How do the big companies get their websites on the internet? I asked my dad if went down, and he said yes.
I said, Haha, they couldnt afford it.
He asked why they had to pay to have a website on the internet.

Is there a way to NOT have a website on the internet, and even if you do have to pay, How do you get a website on the internet, WITHOUT using websites like GoDaddy, or Webs, or WiX or the other guys.?


Admin 12.05.2010. 23:10

Ok this is a classic question but is quite more complex than you probably realize.

There are web host providers. - Godaddy is one of these.

There are domain registrars. - Godaddy is one of these.

There are IP transport providers. - Godaddy is NOT one of these technically

There are data center operators. - Godaddy is one of these.

There are IP address assigning authorities - Godaddy is NOT one of these.

So in order to host your own website without going through another company you would need your own IP addresses/AS numbers assigned by ARIN. In addition to that you would need your own IP transport or lease/buy it from an existing provider . So you would need to build out a network and get peering arrangements with other providers, otherwise no one would be able to find your website on the internet. In addition to that you would need to purchase a domain name to be able to be located on the internet. You could get this from Network Solutions which was previously the primary authority and issuer but now there are numerous authorities for domain registration and Godaddy is one of them. You would then need servers and a place to put them to host your websites.

As you can see there is quite a lot involved to get infrastructure up and going without going through one of the existing providers. Also there are numerous layers of technical detail that I am leaving out but just to give you a brief idea/overview.

Big companies often will still purchase dedicated servers from data center operators such as Godaddy or 1and1 or other providers and let them host their servers for some none critical operations. All of this will literally cost $1,000's to get up and going and more realistically probably $100,000's especially if you are going to build out your own network and then peer with a few other providers.

Even then you still will be paying ARIN for your IP address assignment, you will be paying for your peering arrangements, you will be paying for your datacenter space/rent if you have your own building, you will be paying for the servers and network equipment involved, and other things.

In other words it is not worth for an individual and 90% of businesses to attempt to build out their own infrastructure and data center. It's much easier to rent a server from an existing company, purchase a domain name, and be on the internet without having to worry about any of those other layers involved.

In other words you can't get a website on the internet without paying someone. At the most basic you could even host a website on your own home PC and your home internet connection but you would still need to purchase a domain name if you want the site to be located via a name instead of only the IP address. And purchasing a domain name would send you right back to the likes of Godaddy and other domain registrars for the fee for the domain.

Live Chat:
Free assistance: 5/12/2010


sammy 12.07.2007. 11:45

what are the different types of internet services like broadband, lease line are available? i would like to know about all the types of internet lines that are available for internet surfing and how different they are from one another.


Admin 12.07.2007. 11:45

The major differences are speed ... your main connection types in North America are:

Analog dial-up (up to 56kbps)
ISDN (digital dial-up, 64kbps or 128kbps)
ADSL (1-20 or so Mbps down, 320-800 or so kbps up)
Cable (1-25 Mbps down and 320 kbps-2+ Mbps up)
T1 (1.5 Mbps)
T3 (45 Mbps)
Metro Ethernet (10 or 100 Mbps)
OC-3 (155 Mbps)
OC-12 (622 Mbps)
OC-48 (2.5 Gbps)

and although you probably can't purchase internet access using it, the following are also used by ISPs to carry traffic on their networks:

OC-192 (10 Gbps)
OC-768 (almost 40 Gbps, not sure if hardware exists for this yet)

Generally things above T1 or so are not used for "surfing" but are used for business traffic and by hosting companies or ISP-to-ISP links.

There are also some satelite services available for very remote locations, but they are expensive and quite rare ... I believe their speeds range from around 320 kbps or so up to T1ish speeds (1.5 Mbps).

Some companies also offer line-of-site wireless services in some major cities with speeds comparable to DSL and cable.

There are also a lot of variations of ADSL that exist in specification, but I do not know if they have ever been offered anywhere ... SDSL was offered for a time in some places in Canada ... it's major difference was that the upstream and downstream speeds were the same, but you needed to be within about 1km of a CO (as opposed to roughly 4km for ADSL) so it's availability was very limited.


beth l 01.02.2009. 01:20

I have looked all over the internet, Can any one find me a website showing the profits of a used bookstore? I am seriously considering opening a "quaint" little bookstore in my small town. One that is friendly and personal. I would do book trades. I have looked all over the internet and can not find a source for income on this. I am trying to write my business plan and need to have a source for projected earnings. Thanks for any help!

beth l

Admin 01.02.2009. 01:20

I am a business banker with a very large secure bank and I could give you some tips. First of all if you plan on starting your own business, SBA
(Small Business Administration) could give you some information regarding business plans, business filings, and finances for start up and purchase acquisitions of businesses.

Step 1: Contact SBA (

Step 2: they will recommend that you take business classes to assist you creating your business plan and they would also want some type of industry experience in this field and would give you great information on starting your own business, they will also assist you with a business loan, however they do require a down payment to secure this loan

Step3: Contact publishing companies for wholesale pricing on products if your doing new books and they will give you some advice on distribution and other information that you will need

Step4: Contact other companies that are in the same business or one that is selling their business, which might be plentiful at this time due to hard economic times. They can really give you some hand's on experience knowledge.

But if does not answer your question, you may not find the answer you want on the internet because most businesses will not disclose financials online and each business entity is different, you have to take in consideration each state has different tax laws which affects all businesses, leasing the building cost will cost plenty, employees or no employees will require insurance. The bottom line is not simple anymore since a lot of small businesses are actually failing at this time.

Do you research well, Take a look at the Wall Street Journal, get familiar with it and find out if it is actually worth opening up the business at this time.

Good Luck, I am sorry I dont have a website but this may not be available.


sunshine 09.12.2010. 05:23

How would you feel if suddenly you were not aloud to read books or watch movies? Because a small group of people or even one person does not like some of it's content?


Admin 09.12.2010. 05:23

You mean "allowed", right Gentle Asker?

Just checking. No harm meant. Honestly, the situation has me paranoid. Already, because it's happening already--have you read the terms of service that come with these "eBook" readers like the Kindle? In many cases if you buy the electronic counterpart of the book it literally restricts you to one license to read it silently as one person--no reading it with someone, reading it _aloud_ can get you sued. If you show someone else a page from the book on the electronic reader--even if it's a picture in a magazine or artwork in a comic book, you can still get sued.

And motion pictures are slowly becoming much the same, at least if YouTube and its appeasement continues to lead the way.

Basically....the rich guys, your publishers and your movie industry both, want to take a page out of the music industry (and their RIAA) and treat everyone on the internet like the worst and most abusive hackers and thieves present. They want to rig it so that you will constantly have to pay through the nose and _not_ own one thing.

That's the scary part....they don't even have to care about freedom of speech--they own the media and bribe the FCC too and can censor anything in public they see fit to. For them it's all about making sure us ordinary people--anyone outside of their company ranks--do not have any ownership or fair use rights at all whatsoever. It's gone from a simple purchase of a product to an elaborated and entirely rigged leasing agreement where one side is free to take the money and run entirely, leaving the other side with nothing but lawyers attacking and abusing them in the news.

And we're the other side, being robbed blind by these suits. It's why I will never buy an ebook, an mp3 file, or indeed, anything that pays Wal-Mart (who is evil with their in-house "wal-mart edit" censorship of music and video games), or that pays the RIAA (nobody in the business of putting Girl Scouts and Dead Grandmas in prison, to protect pampered washed-up rockers like Axl Rose, is my friend).

Sorry if that seems harsh and paranoid, but if I'm buying reading material, I will buy the literal paper product, gladly pay newsstand price for it if need be, and actually _Have_ something for my money, imagine that.


niupt2k 16.01.2008. 18:39

Does anyone have reference recommendations regarding recreational real estate? With the change in the housing market, I am looking to begin obtaining recreational real estate properties. I am looking for references that have been successful so I begin to research the tricks to the trade. I am looking for book ideas, or websites that people have found helpful in the past. I am looking at the Carolinas, Florida, or New Mexico as possible locations. Any advice or recommendations on reference would be greatly appreciated in advance.
I am actually looking for some ideas on how to manage a recreational property. Are there any good books and/or websites that help to achieve this task?


Admin 16.01.2008. 18:39

"Recreational Real Estate" is a very broad term that covers a wide variety of land uses. It would help to know which type(s) of recreational property acquisition and/or management holds the most interest for you personally.

While one might think that the downturn in the US housing market would translate to the RP market, you first need to understand that they are two very different sub-markets. You may very well find that prices for RP's in your markets of choice have held steady or even risen appreciatively. Why?

It's all covered in an article entitled, "Hunting for Recreational Properties" at the Certified Commercial Investment Member (CCIM) magazine website, so I won't re-hash what has already been stated. Go to and search for "recreational property".

Here is an abbreviated version of some generally accepted rules for finding and purchasing recreational real estate:

1 - Due Diligence: Once you've decided where you want to acquire your RP, familiarize yourself with the area its market values. Much of this research can be done using the Internet but nothing beats getting a realtor buyer's agent to "beat the bushes" for you to keep you updated on the newest listings on the market, pre-foreclosures and FSBO's of which you might otherwise never be aware. Buyer's agents are legally bound to represent your best interests (as opposed to those of the seller) and are typically paid via a commission split with the seller's agent at closing. There are exceptions, so be sure to ask any agent/broker you work with about these.

2 - Zoning: Make certain property is zoned for your intended use.

3 - Tax burden vs. Income Producer: If it suits your business model, timeframe, and/or personal values, try to have the land work for you. For land with marketable timber on it, large trees can be selectively logged and local sawmills will sometimes pay handsomely for the opportunity to harvest from your land. Timber sales, hunting leases, grazing rights, etc... are some opportunities that can help with the cost of the land while helping to 'prime' the property for future intended use.

4 - Buy waterfront property: Lake and riverfront still demands a premium and statistically shows the fastest price escalation. It's all about supply and demand....recreational waterfront is typically one of the best investments one can make.

5 - Close enough: If waterfront is financially out of reach, buy near public-access points to the water itself. Non-waterfront lots still hold potential for appreciation and will typically enjoy lower property taxes.

6 - Analyze Trends (Think "Up & Coming"): See my answer to the question "Where is the best place to buy a house as an investment in the USA" by clicking photo. Actually, there are a couple of relevant previous answers there that might help you out.

A couple of books have been written on recreational land management and property valuation techniques, but again, I can't be of much more help to you without more info. If you like, you may post more details here or go through my profile in case I miss your post.

FYI - my credentials may be found on source website below. Hope this helps, and good luck!!


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