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    Business

    Creating Wealth Real Estate Investing with Jason Hartman

    Become an EMPOWERED INVESTOR. Survive and thrive in today’s economy! With over 2,000 episodes in this Monday, Wednesday, Friday podcast, business and investment expert Jason Hartman interviews top-tier guests, bestselling authors and financial experts including; Steve Forbes (Freedom Manifesto), Tomas Sowell (Housing Boom and Bust), Noam Chomsky (Manufacturing Consent), Jenny Craig (Health & Fitness CEO), Jim Cramer (Mad Money), Harvey Mackay (Swim With The Sharks & Get Your Foot in the Door), Todd Akin (Former US Congressman), William D. Cohan ( The Price of Silence, The Last Tycoon, & House of Cards), G. Edward Griffin (The Creature from Jekyll Island), Daniel Pink (National Geographic).

    Starting with very little, Jason, while still in college at the age of 19, embarked on a career in real estate while brokering properties for clients, he was investing in his own portfolio along the way. Through creativity, persistence and hard work, he soon joined the ranks of the top one-percent of Realtors in the U.S. and in quick succession; earned a number of prestigious industry awards and became a young multi-millionaire.

    Jason purchased a Southern California real estate brokerage firm which he expanded dramatically and was later acquired by Coldwell Banker. He combined his dedication and business talents to become a successful entrepreneur, public speaker, author, and media personality. Over the years he developed his Complete Solution for Real Estate Investors™ where his innovative firm educates and assists investors in acquiring prudent investments nationwide for their portfolio. Jason’s highly sought after educational events, speaking engagements, and his ultra-hot “Creating Wealth Podcast” inspire and empower hundreds of thousands of people in 189 countries worldwide.

    Additional guests featured on the Creating Wealth podcast include Robert Kiyosaki (RIch Dad Poor Dad), Matthew Quirk (The 500 & The Directive), Eve Wright (Life at the Speed of Passion), John Lawrence Allen (Make Wall Street Pay You Back), Jerry Robinson (Bankruptcy in Our Nation), Peter Zeihan (The Accidental Superpower), David Crowe (National Association of Homebuilders NAHB), Consuelo Mack (PBS – Wealth Track), Sean Haugh (Libertarian Candidate for the US Senate), Scott Paul (Alliance for American Manufacturing), Charles Goyette (Ron Paul’s America Show), Chris Martenson (Crash Course), Matt Theriault (Epic Real Estate Investing), Christopher Barnatt (The Future of 3D Printing), Zac Bissonnette (Good Advice From Bad People), Rich Karlgaard (Forbes Magazine).

    Chris Mayer (Agora Financial), Craig R. Smith (The Great Withdrawal), Po Bronson (The Science of Winning & Losing), Jim Stossel (Why Government Fails), John McAfee (Founder of McAfee Anti-Virus Software) Harry Dent (The Great Depression Ahead), Kevin Armstrong (Bulls, Birdies, Bogeys, and Bears), Nick Bilton (Hatching Twitter), Tom Kreautler (The Money Pit), Doug Brunt (Ghosts of Manhattan), Catherine McBreen (Get Rich, Stay Rich, Pass it On), Les Leopold (How to Make a Million Dollars an Hour), Robert Greene (Mastery, Power, & Seduction), Byron Dorgan (Gridlock), Dennis Miller (Retirement Reboot), George Gilder (Knowledge & Power), Jed Kolko (Tulia), Dr. Judith Wright (The Soft Addiction Solution), Richard Duncan (The New Depression), Dave Krieger (Clouded Titles), Bill Ayers (Confessions of an American Dissident), Dr. H. Woody Block (American Gridlock), Steven Kotler (Abundance), Laurence Kotlikoff (The Clash of Generations), Greg Farrell (Crash of the Titans), Shaun Rein (The End of Cheap China), Ken Gronbach (The Age Curve), Amity Shlaes (The Forgotten Man), Roger Lowenstein (The End of Wall Street), Jay Elliot (The Steve Jobs Way), Richard Duncan (The Dollar Crisis & The Corruption of Capitalism), Robert Wiedemer (Aftershock), and Steve Slaunwhite (The Wealthy Freelancer).

    A trademark feature of Hartman Media podcasts are our ‘Tenth Episodes’ where alternative topics of interest are explored every tenth episode. This provides a diverse mix of programming exploring issues and influential authors like John Gray (Men Are From Mars, Women Are From Venus), Dan Millman (Way of the Peaceful Warrior), Dr. Denis Waitley (The Psychology of Winning, The Seeds of Greatness), Lori Ann LaRocco (Opportunity Knocking), Mark Divine (Seal Fit: Way of the SEAL), Dr. Jill Ammon-Wexler (The Power of Belief), Dr. Kelly McGonigal (The Willpower Instinct), Doug Conant (Touch Points), Jared Diamond (The World Until Yesterday), Dr. Bob Wright (The Science of Spectacular Living), Jack Canfield (Chicken Soup for the Successful Soul), Sonia Arrison (The Coming Age of Longevity), Dr. David Rock (Your Brain at Work), Gay Hendricks (Relationship Enhancement), Hannah Holmes (Quirk), Dr. Gary Chapman (The Five Love Languages), David Farrow (Millionaire Memory), and David Allen (Getting Things Done),

    Topics explored at depth on Creating Wealth include investing, income properties, property investing, investment strategies, loan modifications, market predictions, mortgage modifications, online marketing, real estate, rental property investing, subprime mortgage crisis, 401K, retirement, Alibaba.com, alternative currencies, alternative energy, ROI, cash flow, American economy, appreciation, arbitrage, Arkansas housing market, artificial intelligence, asset allocation, Atlanta Georgia, income property investing, attorneys, Australian mining, Austin real estate, baby boom generation, baby boomers, banking, bank loans, bankruptcies, Belize, Ben Bernanke, billionaires, bonds, book reviews, boom bust cycles, Boston, brand management, branding, Brookings Institution, Breton Woods, BP, British Petroleum, bubble markets, building wealth, business cycles, business psychology, business travelers, California, California Department of Insurance, CDI, California real estate, capital gains tax, Case-Shiller, Casey Research, cash flow, central banks, certificates of deposit, Chicago, Chicago real estate, China, college tuition, Colorado, commercial investing, commodities, commodity pricing, compound interest, conversions, CPI, Consumer Price Index, Dallas, dark pools, debt ceiling, debt crisis, debt-financed spending, deflation, Detroit, Detroit real estate, digital money, distressed properties, down payment, email marketing, estate tax, high cash flow, home equity, home financing, Indiana, Indianapolis, interest rates, jobless recovery, Kansas City, leverage, libertarian, Little Rock, maintenance warranty, management fees, Manhattan, marketing, Memphis, Miami, Michigan, mircopreneur, middle class, millennials, millionaire, Minneapolis, Minnesota, Missouri, Mississippi, MLS, mobile banking, monetary policy, money market fund, negative equity, new home construction, New Orleans, New York, New York City, North Carolina, Ohio, oil, oil prediction, overpriced markets, packaged commodities, passive income, passive investor, payroll tax, pension, pension funds, pension plans, Platinum Properties, positive cash-flow, price stability, price of gold, price volatility, private money lending, pro forma, property appraisal, property value, real estate arbitrage, real estate tax, rent, rental, renovated homes, rental homes, rental income, rental insurance, San Antonio, San Diego, San Francisco, single-family homes, social marketing, social media, Swiss Franc, Swiss National Bank, Tampa, tax, tax laws, tax bracket, tax lien, taxes, tenant, tenant eviction, Tennessee, Texas, treasury reports, unemployment, unfriendly markets, US housing market, venture capital, volatility, Warren Buffet, Washington, wealth management, whistleblowers, world economy, Zero Hedge.

    Additional topics explored on the Creating Wealth podcast include Bitcoin, digital currencies, corporate tax inversions, crowdfunding, inflation, the Federal Reserve, student loan debt, monetary policy, economic challenges facing generation Y, solar energy, 3D printing, medical technology, US dollar, currency exchange, plunging bond rates, personal and commercial bankruptcy, the cost of a college education, digital banking, the American dream, capital gains taxes, asset protection, gold and silver, commodities markets, precious metals, investing tips, structural and personal unemployment, bank regulations, regulatory reform, emerging markets, shadow banking, social media, derivatives, mobile commerce, government regulation, housing market, identity theft, cyber currencies, mortgage lenders, investment properties, VA loans, gold standard, Fannie Mae and Freddie Mac, online auctions, landlord tenant conflicts, tax lien investing, tax law, retirement, contract law, stagflation, home loans, real estate scams, renters, reverse mortgages, foreclosures, euro, European Union, ECB, European Central Bank, the US housing market, micro lending, online security, cyber security, online banking, digital banking, outsourcing, online shopping, Amazon, Apple, Facebook, Twitter, JP Morgan, short sales, austerity, forex, monetary systems, budget surplus, budget deficits, tax cuts, solar energy, consumer debt, consumer price index, property investing, high frequency trading, interest rates, college tuition, cashless societies, credit card debt, credit monitoring, credit ratings, currency trading, refinancing, federal stimulus, financial independence, financial planning, financial literacy, economic growth, economic development, Wall Street, IPO, IRS, Internal Revenue Service, IMF, International Monetary Fund, mobile banking, Elliot Wave theory, free trade, underwater homeowners, foreign investing, oil prices, entrepreneurship, Equifax, federal budget, Keynes, Keynesian, fiat currency, financial scams, global economy, gold standard, income tax, and foreign investment.

    [CLAIM:SNDPUAP8]

    Advertise

    Copyright: © 2006–2022 The Hartman Media Company. All Rights Reserved

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    Latest Episodes:
    CW 926 - Rental Demand, GOP Tax Plan, Trumpbook, & YouTube Censorship with Naresh, Part 2 Dec 19, 2017
    Show notes

    The GOP tax plan is looking like it's going to be going through in the near future, but with a bill this long nobody is 100% sure how it's going to impact their taxes. In the second part of their interview, Jason Hartman talks with Naresh about what Jason's seen in the tax plan that will impact income property investments and why the plan will create upward pressure on rents.

    The two also go into censorship in America, from YouTube to Naresh's new book, Trumpbook: How Digital Liberals Silenced A Nation Into Making America Hate Again, which he's been unable to market in traditional outlets that are advertising left leaning books.

    And don't forget to do your 5-year plan, record it and upload it by Christmas to enter the contest!

    Key Takeaways:

    [5:02] This tax plan will be great for real estate investors because it dis-incentivizes buying a home

    [8:38] The White House clip on taxation

    [12:05] Supply side economics works, it's not a zero sum game

    [18:25] The Fed is going to be raising rates six times in the next 2 years, which will be HUGE for real estate investors getting in now

    [22:23] The 2 things that could ruin Jason's prediction on interest rates impact

    [23:52] Naresh's new book, Trumpbook, is being censored by the mainstream media. Get a free copy by going to www.NareshVissa.com

    Website:

    www.JasonHartman.com/Masters

    www.JasonHartman.com/Contest

    www.NareshVissa.com

    Trumpbook: How Digital Liberals Silenced A Nation Into Making America Hate Again

    "Earned income by employment is always the least favorable income you can have in the US."


    CW 925 - Portable Society - Bubble Economy, Client Case Study, Sharing Economy, Bitcoin Mania with Naresh Dec 19, 2017
    Show notes

    In part one of Jason Hartman's interview with client Naresh, the two discuss what led Naresh to buy his first income properties, why he is now veering away from investing in things like the stock market and cryptocurrencies, and how our portable, sharing economy is changing everything.

    Naresh is currently purchasing his second rental property while RENTING his apartment in Florida, something most people would consider the "wrong" decision.

    Key Takeaways:

    [7:03] How Jason & Naresh first met

    [9:33] How the "portable society" impacts you as a real estate investor

    [13:01] The world is changing faster than ever before, so we need to throw a lot of our old ideas out of the window

    [19:28] We'd all love to get something for nothing, but really we're just gambling

    [22:38] An interesting piece of education from Naresh's recent trip to Columbia that shows the value of the dollar

    Websites:

    www.JasonHartman.com/Masters

    www.KrishMediaMarketing.com

    "Nothing is bigger than the American brand, no brand has more value than the United States of America brand"


    CW 923 - Protect Yourself From Scams, Rags to Riches & Back to Rags, Debt Cleanse & Burn Zones with Jorge Newbery Dec 13, 2017
    Show notes

    The world today has created criminals that have become more and more sophisticated as crime has gotten harder due to security measures most people are using. Doors aren't left open any more, everything has an alarm on it, but people still don't protect EVERYTHING. Identity theft is a huge problem, and there are scams abound for people who are willing to sink to that level. Jason Hartman warns about some of the newer scams to hit the market.

    Also, don't forget to do your 5-year plan video or register for Meet the Masters!

    Then, Jason talks with Jorge Newbery, author of Debt Cleanse: How to Settle Your Unaffordable Debts for Pennies on the Dollar, about Jorge's real estate journey, including having to fight against local government in an attempt not to lose an 1,100 unit apartment complex. Jorge at one point was $26 million in debt and has fought his way back and is set on helping those who need it most.

    Key Takeaways:

    Jason Intro:

    [3:09] Jason's thought on identity theft, which Jason considers the biggest crime in the world

    [5:57] One of the new telemarketer scams out there today

    [9:30] A story about how fractional lending actually stopped a man from being foreclosed on in the 60s

    [12:34] The 5-year plan videos are looking great!

    Jorge Newberry Interview:

    [20:26] How Jorge got into the real estate business, and was taken down by a single ice storm

    [24:46] The City of Columbus, OH wouldn't let Jorge's renovations pass inspections

    [28:56] A fake news story about Jorge being investigated turned the public against him and his renovations

    [33:13] Why Jason is okay with the strategic default practice, even as a lender himself

    [34:39] In his quest to erase his $26 million in debt, Jorge found an error that erased $5 million of it, which led to a startling revelation

    [38:39] Our whole society is set up to create massive bubbles that burst and allow the powers that be to buy assets for pennies on the dollar while we blame ourselves for the situation

    [40:45] The wealth concentration in our nation is becoming untenable

    [42:20] The #1 piece of advice for if you're in trouble with your loan

    Website:

    www.JasonHartman.com/Masters

    www.JasonHartman.com/Contest

    www.AHPFund.com

    www.DebtCleanse.com

    Over the course of time, it is in the interest of the banks, and the creditors, and the Fed...to create these bubbles.


    CW 922 - Consumer Debt vs Real Estate, Bitcoin Mania, Fake Work, Interest Rates - Higher Rental Rates with PNC Bank VP Cody Mamone Dec 11, 2017
    Show notes

    There's a whole lot going on in the economic world today, so Jason Hartman decided to talk to Cody Mamone, CTP, a Vice President for PNC Bank, about what on Earth is going on in the cryptocurrency world, and how it might be impacted by Bitcoin now trading on 2 exchanges in the United States.

    The two also delve into the growth of consumer debt in the past 5 years, as well as where interest rates may be headed and how much of an impact even a slight change in rates can have for investors and homebuyers.

    Key Takeaways:

    [4:47] The difference between saving versus savingS rates

    [9:36] The Fed has some useful data that can be used for your investing research, and one thing in the consumer credit reports stuck out

    [11:40] The growth in consumer (and student loan) debt in the last 5 years has been astounding

    {14:32] Cryptocurrency mania is going crazy and it's not a healthy thing

    [16:51] The REAL environmental destruction that cryptocurrencies are creating

    [19:45] What's going to happen to Bitcoin now that it will be traded on 2 exchanges? Will the volatility finally end?

    [25:59] Where are interest rates headed?

    Websites:

    www.JasonHartman.com/Masters

    www.PNC.com

    A 1% rise in interest rates would disqualify 5 MILLION households from owning a $200,000 home


    CW 920 - Smart Technology is Improving Self Management, & Meetings Suck, Your Vivid Vision, 1-800-GOT-JUNK, COO Alliance with Cameron Herold Dec 06, 2017
    Show notes

    Jason Hartman starts off the show with Investment Counselor Carrie from a single family investment trade show in Phoenix, Arizona. The two have been meeting vendors at the trade show and are absolutely amazed at the opportunities that smart technology is creating for investors. These innovations will allow investors to truly increase their profits as they become more comfortable self managing their properties across the nation.

    Then, Jason goes off topic with Cameron Herold, author of Double Double: How to Double Your Revenue and Profit in 3 Years or Less, and Meetings Suck, about how his Vivid Vision can clarify your purpose and help you get on the right path.

    It's imperative that every business knows exactly what the mission is, and that every employee in the business knows where the company is headed. It's the only true way to get, and stay, ahead of the competition.

    Key Takeaways:

    Jason Intro:

    [3:32] There's technology coming that will allow you to review tenants (and have them review you)

    [8:14] Smart technology is making it easier to self-manage properties from a distance, and increasing your profits in the process

    [8:56] DO YOUR 5-YEAR PLAN!

    Cameron Herold Interview:

    [14:15] How writing your Vivid Vision can author your future

    [17:39] Reverse engineering your Vivid Vision

    [20:26] Finding the "sweet spot" in length for your Vivid Vision, and how to properly use it

    [23:43] What should you do with your Vivid Vision? How much does David share his?

    [28:32] How to run meetings properly

    [31:41] How long should you book your meetings?

    Websites:

    www.JasonHartman.com/Contest

    www.JasonHartman.com/Masters

    www.CameronHerold.com


    CW 919 - Real Estate vs GOP Tax Plan vs Foreign Investment in US with Ed Mermelstein, Rheem Bell & Mermelstein Dec 04, 2017
    Show notes

    Is the home ownership rate too high? Are millennials going to enter the market and disrupt everything? To answer these questions you have to answer Jason Hartman's key question in life: compared to what? Any time you're making plans or comparing one thing to another, the question of compared to what pops up, and it's something we should continue to ask ourselves.

    Is buying a rental home a smart option? Compared to what?

    Should I put money toward this investment? Compared to what?

    Later in the show Jason talks with Ed mermelstein, founding partner of Rheem Bell & Mermelstein LLP, about what the GOP tax plan will likely do to foreign investment in US real estate. Ed describes how foreign investors are CURRENTLY investing in the US, and whether this plan will make the money flow in to the country or go running away to other countries. This impact will have especially large effects on big name markets like New York, San Francisco, and Los Angeles.

    Key Takeaways:

    Jason Intro:

    [2:45] "Compared to what" is the question you need to ask about everything, and it's especially important when it comes to foreign real estate investors in the United States

    [8:24] Millennials are entering the housing market, but not in a significant percentage

    [11:23] Jason's big piece of advice for people making their 5-year plan video

    [14:21] David Copperfield & Jerry Seinfeld's net worths go to show you the power of media & scalability

    [16:19] The list of countries with the highest & lowest GNI

    Ed Mermelstein Interview:

    [23:59] Will the proposed tax plan make the US real estate market more or less attractive to foreign investors?

    [26:14] The typical business designation that foreign investors use

    [28:49] Why some changes in deductions will effect investment in big cities like NY, LA, SF

    [31:55] Which countries some of the major US markets get most of their foreign investment dollars from, and how the investors are using their properties

    [35:58] Are any foreign governments buying US real estate?

    [38:59] The US is in a sweet spot where European and Asian investors will invest, but it doesn't go overboard because of logistics like time differences and distance

    Website:

    www.RBMLLP.com

    www.OneAndOnlyRealty.com

    www.JasonHartman.com/Contest

    "If fewer people wanted to own homes it will be better for the economy, and it will be better for investors."

    Foreign investment tends to sometimes make the news in a negative manner, but we should also consider the benefits of foreign investment in the United States


    CW 918 FBF - Know Your Financing Options: Wrap Around Mortgages & ARM Dec 01, 2017
    Show notes

    Today's Flash Back Friday comes from Episode 581, originally published in October 2015.

    Understanding various mortgage types and how it affects you, the investor.

    Even though Jason believes in a fixed rate, long-term, buy and hold mortgage strategy, he encourages people to be informed about the additional financing options available. This week he and Naresh take a deep dive into the adjustable-rate mortgage, breaking it down into easy to understand piece parts. They also discuss the wrap around mortgage, what the term negative rate means and give numerical examples to clearly explain each distinct type of calculation.

    Key Takeaways:

    [2:46] 5 Elements of adjustable-rate mortgages (ARM)

    [4:19] 1. Start or Teaser rate

    [5:10] 2. Index

    [7:20] 3. Margin

    [8:50] 4. Annual cap – 3 types

    [13:38] Negative interest rates

    [18:17] Negative amortization rate

    [19:05] Sophisticated investing techniques

    [22:43] AITD – Wrap around mortgage

    [24:23] Wrap around mortgage example

    Website:

    www.JasonHartman.com/Properties


    CW 917 - Client Case Study, Adam Jackson 11 Properties in One Year - Memphis & Jackson, Financial Statements for Investing, Marine Corps Veteran Nov 29, 2017
    Show notes

    Jason Hartman is happy to bring one of his clients, Adam Jackson, on to the show to talk about his journey into real estate investing. Adam started buying properties toward the end of 2016, and has subsequently purchased 11 homes in the past year on his quest for financial freedom.

    Adam shares what markets he's currently invested in, where he's looking to expand, keeping score with personal financial statements, and keeping a healthy balance.

    Key Takeaways:

    Jason Intro:

    [2:07] Do your 5-year plan and submit it to www.JasonHartman.com/Contest

    [6:40] 2018 is predicted to be an earthquake heavy year, so be careful with your property in earthquake zones

    [10:02] Venezuela is the latest example of runaway inflation

    [13:15] Invest in commodities and fight inflation with income properties

    Client Case Study with Adam Jackson:

    [15:33] Who is Adam Jackson?

    [21:12] Where Adam bought his first property, and why

    [23:23] Why Adam chose to buy a home with cash

    [31:12] When you suffer through an expensive repair, remember that your loss is shared by the government on your tax return

    [33:50] How to keep score via financial statements

    [38:44] The P vs PC Balance

    [41:50] Adam's attempt at the abundance mentality and trying to pass along whatever wisdom/money/time he can

    [45:31] Focusing on a few things in-depth is better than a little bit of everything

    Website:

    Submit Your 5-Year Plan!

    www.JasonHartman.com/Masters

    Magic Power by Triumph

    "The other asset, that people don't realize they have, is their credit"


    CW 916 - The Art of the Deal, Mission Success, Nationwide Pricing Trends, & Gen-Y Housing with Jeff Meyers Nov 27, 2017
    Show notes

    Over the Thanksgiving weekend, Jason Hartman found himself looking through his old books in his mom's house. In the stacks he found two books that were key in his investing journey, The Art of the Deal by Donald Trump, and Mission Success by Og Mandino. Jason explains why these books impacted him so much and why they're still important today.

    Then, Jason talks with Jeff Meyers, President at Meyers Research, about the state of the housing market across the USA, and how much runway the market might have. They also discuss whether millenials are finally ready to buy their first houses, and the incredible impact the self-driving car will have.

    Key Takeaways:

    Jason Intro:

    [2:40] The book that turned around Jason's real estate career at the age of 24

    [6:33] Jason would listen to Og Mandino's Mission Success cassette on repeat

    [11:54] Walter Hoving's views on capitalism

    [15:15] Capitalism is the best (and most natural) economic system ever

    [17:47] A JasonHartman.com sale! $200 off VIP or Elite level Meet the Masters ticket

    Jeff Meyers Interview:

    [21:13] Are the millenials finally entering the home buying market?

    [24:04] There's been a long economic recovery, but housing hasn't led the way so Jeff sees more runway

    [28:43] When did the real recovery from the Great Recession begin, and how does it affect where we are in the housing cycle?

    [31:24] Mortgage lending is getting tighter than ever, with the average FICO score on each loan being 720 (the banks are allowed to loan at 680)

    [32:56] The self driving car could cause a resurgence of the suburbs, but it will DEFINITELY be a game changer for real estate (perhaps like how Amazon has changed the retail industry)

    [36:09] The cottage industry that could spring up out of the emergence of the self driving car

    Website:

    www.MeyersResearch.com

    www.JasonHartman.com/Masters (promo code "black" for the sale)

    www.JasonHartman.com/Contest

    The Art of the Deal

    Mission Success by Og Mandino

    Quotes:

    Suburban markets we see some runway. they have not kept up, and that's where a lot of demand is starting to take off.

    You have to remember that what caused this recession was a direct hit from the mortgage market


    Speaker Announcement: Ken McElroy, Rich Dad Advisor Robert Kiyosaki Nov 25, 2017
    Show notes

    Jason Hartman is proud to announce the latest addition to the 2018 Meet the Masters of Income Property event, Ken McElroy.

    Ken is a Rich Dad advisor and entrepreneur who is an expert in investment analysis, property management, and property development. He's responsible for over $700 million investment dollars in real estate.

    Ken is the author of the best-selling books The ABC's of Real Estate Investing, The Advanced Guide to Real Estate Investing, The ABC's of Property Management, and most recently his book on entrepreneurship: The Sleeping Giant.

    Website:

    www.KenMcElroy.com


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