Issuu

Vol 04-17 April 2017

President’s Letter Page 1 MAIN MEETING: Lifeonaire — The ‘Secret Sauce’ for Business Success Page 3

Upcoming KREIA Events Page 4 Welcome, New Members! Page 4 News Byte: Is Louisville Growing More Urban? Page 6 Government Affairs Update Page 10 KREIA Photos Page 10 In-Depth Look at Last Month’s L.O.T.S. House Page 11 Nobody Wins When You Bring a 2x4 to Closing Page 14 Member Spotlight Page 14 Sign Up for the 3-Day Lifeonaire Workshop Page 19

Monthly Newsletter for KREIA Members

To All Fellow KREIA Members:

Let me start off by saying residential and commercial real estate are booming right now, and if you have ever thought about being in the business, now is the time to take the leap and at least try it out part-time, while you still have your regular income from your full-time job! Frank Miller You cannot miss the next KREIA meeting on April 28. The main meeting topic will be the “Secret Sauce” for Business Success! We will have Steve Cook with us, the founder of “Lifeonaire,” who will be sharing with us the Four Stages of Financial Prosperity. Learn how to improve all aspects of your business and personal life, while creating a more productive, fulfilling, meaningful, and joyfilled life, while making more money — and having more free time! You will not want to miss this meeting. This is for everyone! I cannot wait for this meeting, and I will be taking down notes and asking plenty of questions. This is the state that everyone is looking to get to in life! Steve Cook will also be coming back in town to do a Life Builder workshop the dates of May 18th-20th, so make sure you check out the details on the KREIA website. Also by the way we have been having a lot of members and guests asking our president, Frank Miller, if he has a mentoring program for beginners or even some of the guys and gals who have been around for a while to polish up on their skills in this awesome business. Well, you are in for a treat! After sitting down and discussing this with fellow members, I have decided to launch a brand new mentor training program exclusive for members of KREIA. We will launch this program in April. Stay tuned for more information and the specifics of the costs and structure! I am very excited to offer this for the first time ever! If there are any concerns or suggestions with KREIA in general, please do not hesitate to contact me at News@kreia.com. So we look forward to seeing everyone join us! Sincerely, Your President, Frank Miller

Copyright MMXVII Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Your KREIA Leaders

President Frank Miller

Vice President Eric George

Secretary Treasurer Treasurer Elect Dave Coffey Mike Grinnan CPA Wally Kallbreier

Board of Directors

George Foree

McFarland

Rue

Erik Hitzelberger

Tamara West

John Jones

Lauren Willoughby

Darin O’Neil

Rick Littrell

Dan Jones

Jeani Bryant

KREIA Newsletter is published monthly and serves both as a newsletter and a reminder notice of your upcoming monthly meeting. KREIA is a members-only association focused on education, networking and resources for today’s investor and to educate real estate investors from the basics to the complex. We are an excellent choice for all levels of investors. Whether you are just starting out in real estate investing, or are working on your hundredth deal, KREIA can help you learn more, earn more, and have more fun doing it. To Subscribe to the KREIA Newsletter is simple and easy. Go to KREIA.com and join the Kentuckiana Real Estate Investors Association. Group Discounts are available. To Advertise in the KREIA Newsletter To Advertise on KREIA.com To Sponsor A Monthly Meeting To Sponsor A LOTS Program Please contact News@KREIA.com

KREIA Sponsorships Half Page Business Membership Ad + Table + Pre-Meeting Speaker Only $499

Business Card Membership: Ad Only $199

Event Sponsor: Meeting, LOTS, Parliamentarian Hank Schildknecht

Saturday Seminars, and more!

Past President Dennis Erhard -----------------------------------------------------

Your KREIA leaders are involved and chair several committees to make KREIA happen every month for you and your fellow KREIA Members. Get involved with KREIA. You can help with the monthly meetings, L.O.T.S. Program, this newsletter, Saturday Workshops, Government Affairs, Social, Annual Picnic, Marketing, the new KREIA website and more PLUS You Get EXTRA KREIA Points for everything you do! Get phone and emails of all KREIA members with the new KREIA Online Member Directory.

Place Your Ad Now at KREIA.com --------------------------------------------”KREIA Advertising is by far, hands down, the absolute best advertising dollar ever spent for Borders & Borders!”

Harry Borders, B&B Attorneys

Reach out and tell them they are doing a great job! (It makes them do more for KREIA!) Copyright MMXVII Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Lifeonaire: ‘Secret Sauce’ to Success Learn how to use real estate to live the life you want • April 27, 7 p.m. Do you remember why you first started real estate investing? If you’re like most people, you probably thought it would give you financial wealth, freedom, and control of your time. And it can… But unfortunately, most investors have set up their business all wrong and instead become slaves to it. They end up stressed, overwhelmed, have strained relationships, money problems, and a lack of time. In other words… the very thing we created to give us a great life ends up taking it away. If this sounds familiar, don’t worry...the solution is called LIFEonaire, and we’re going to cover it at this month’s meeting! Here’s just a few of the many things you’ll learn: • The Four Stages to Financial Prosperity: Why most people are missing at least two of these four stages and pursuing financial success in the wrong order. Miss any one of these and you are setting yourself up for complete failure • The number one reason people don’t feel the freedom in their business they so strongly desire. (99.0% of investors are doing this WRONG!) • How to use real estate investing as a tool to eliminate all debts and owe nothing to no one! EVER! • Why the “good debt, bad debt” theory is a bold-faced lie and what you can do to avoid spending a single dollar on interest ever again. • Why working more than 4-5 hours per day will actually produce LESS income for you this year and we’ll teach you the specific strategies used for getting there fast — not someday when and if you ever retire. • And much more! Get ready to have your minds blown with what you’re going to learn! Seriously, we guarantee your view on life, business, debt, and purpose will be completely changed forever!

Lifeonaire was founded by investor Steve Cook. Steve will be leading this month’s main meeting, showing us how to create a more productive, joyful life, while making more money — and in less time. Here’s a little more about Steve.

Steve Cook lives a life of abundance Being an active real estate investor for almost 20 years and doing over 500+ deals in everything from wholesaling, rehabbing, rentals, commercial, and new construction, Steve has either seen or done it all and is legitimately what others call a “1%-er”. In other words, when Steve talks, people listen...or more accurately are scribbling notes as fast as they can. Ironically, unless you’ve been around the investing world for a while, he also might be the smartest and most successful investor you’ve never heard of. Why? Because he likes it that way. While he blazed down the path to financial riches, going from zero to $7M in assets and over $50K/month average net income in only 3 short years, he found (like many others who get to that level) that it wasn’t what he thought it would be. (Continued on Page 19)

3-Day Lifeonaire Workshop comes to town

Active Members: $20 • Guests: $30 • Former Members: $30 Receipt Auto-Emailed to You for Your Records

Immerse yourself in this life-changing system: Come out next month, May 18-20, to learn how to have more free time, make more money, find true fulfillment, and enjoy freedom like you never have before! See Page 19

Premeeting Speaker: Julia King of King Financial Repair Come to the premeeting on April 27 at 5:30 p.m. to hear Julia King speak on credit and all things financial. She is planning to address these topics:  Getting buyers approved. Your

tenants want to buy your house, even if it won’t pass inspection? Julia describes how she can fix their credit (buyer-occupied properties don’t need to have an inspection).  Business credit. Tapped out in your personal name and need more money to grow your business? Find out how building business credit allows you 10 times as much money in your business name — without a personal guarantee.  Student loans. Learn how to consolidate and cut down your student loan payments. (Federal loans only.)

Welcome, New KREIA Members! Cynthia Askins Joseph Beatty David Bennett Angela Gaither Shane Gilmet Josh Hardy Coty Hoskins

Angela Houchens Miller Jose Lonnie Kalar Tim Neal Ken Schreiner Debbie Shea Jennifer Simpson

Shephali Srivastava Jennifer Tso Myron Williams Jerry Wright

Featured Events 4 Stages of Financial Prosperity with Steve Cook of Lifeonaire! Learn how to improve all aspects of your business & personal life, while creating a more productive, fulfilling, meaningful, and joy-filled life while also making more money and having more free time! Thursday, April 27, 2017. Time: 5:30 PM

LifeBuilder Workshop (3 Days) Learn how to have more free time, make more money, find true fulfillment, and enjoy freedom like you never have before! Thursday, May 18, 2017 - Saturday, May 20. Time: 9 a.m.

Upcoming Events  May 2 — noon-1 p.m. L.O.T.S. event. Location TBD — check your email. Lunch will be provided for KREIA members.  May 9 — 11:30-1 p.m. Louisville Lunch. Location TBD — check the private Facebook group. Ed Gibson is the organizer.  May 10 — 11:45 a.m.-1:30 p.m. KREIA Indiana Sub-Group Luncheon Meeting. Meets the 2nd Wed. each month at Tucker's Restaurant in New Albany on State Street and I-265. Open to all — you buy your own lunch. Brian Haeseley chairs.

Show Me the Money! Local private money lenders, bankers and mortgage brokers show you the best ways to get funding. Thursday, May 25.

Extreme Lead Generation Online w/Duncan Wierman. Learn the tools and techniques Duncan uses to create tons of leads from motivated sellers & cash buyers! Thursday, June 22.

Building Wealth With Rental Properties.

ISC Provides 4 simple yet powerful tools, backed by Private Investigators, to make screening and managing your ideal tenants easier than ever!

iscscreening.com

The path to long-term wealth in real estate begins with owning income properties, and we’re teaching you the best practices! Thursday, July 27.

Rehabbing for Fat Cash! Interested in “flipping houses” for cash? This meeting is for you! Local KREIA members will show their tips & tricks for getting it done right. Thursday, August 24.

(502) 451-2600

NEWS BYTE

Are more people moving inside the Watterson? Is Louisville seeing a reversal of urban flight? Not according to real estate website Redfin, although the population in and near downtown is growing. Caitlin Bowling of Insider Louisville breaks down the Redfin analysis and consults with local leaders. A 2015 U of L study cited in the article predicted that “the population of most neighborhoods within the Watterson Expressway is expected to grow between 0.8 percent and 14 percent by 2040 when compared with 2010 numbers.” But the U of L study also projects a population decline of 19 percent in Louisville’s northwest area, which includes the Russell, Portland and Shawnee neighborhoods. Population in the “Southeast Core” — the Highlands, Germantown, Schnitzelburg and Parkway Village — is expected to drop as well: 3.8 percent. (Rehabbers, who are currently minting money in that area, may quibble.) Get the full scoop at http://bit.ly/k1704downtown

QUOTABLE QUOTE “In the real estate business, you learn more about people, and you learn more about community issues, you learn more about life, you learn more about the impact of government, probably than any other profession that I know of.” – Johnny Isakson, Businessman & Georgia Senator

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thelogsdongroup.com • (502) 657-9534 Do You Want Your Business Card to Appear Here? Join as a Business Card Member for only $199/year, and see your ad in a year’s worth of KREIA newsletter issues! Copyright MMXVII Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Government Affairs Update Greater Louisville Association of Realtors April 17, 2017 Louisville Metro Councilman Bill Hollander filed an ordinance on March 23rd that would place a temporary 6-month moratorium on the issuance of zoning approvals along the corridor of Lexington Road from Baxter to Payne Street until the Planning Commission staff can do a study on the appropriateness of the zoning along the corridor. It was heard in committee on Tuesday March 28th in the Planning and Zoning Committee of Metro Council and passed 4-2. It was heard in front of the full Metro Council on April 13th and passed on a 16-8 vote. GLAR sent a letter in opposition to the moratorium portion of the Ordinance to the full Metro Council. Louisville Metro Councilman Bill Hollander introduced a tree canopy ordinance on Monday December 5th. The focus of the ordinance is on public property and public right of way trees. The ordinance sets the requirements for the trimming and taking down of these trees. Also, the ordinance does affect private property in two ways. First, the ordinance allows a private property owner to place a conservation easement on a particular tree on one’s particular property if that tree is of significance. Determination of what is a significant tree will be determined by a Tree Advisory Commission. Also, the ordinance will require a private property owner that is adjacent to a public right of way to not only care and maintain the public right of way tree, which is the current law, but to also replace that tree if it were to die. The ordinance was introduced for first reading on Thursday December 8th. In December, GLAR representatives met with the sponsor of the ordinance and went through several issues and concerns. It looks like Councilman Hollander is willing to make some changes to make the ordinance better. It remains tabled in Committee.

KREIA

Photos

Darin O’Neil, Dennis Erhard and Dan Jones took us back to the basics in last month’s REI Fundamentals main meeting.

At the L.O.T.S. event, KREIA members gathered to hear Clay Smith describe the $55,000 rehab turning around a rough house. Photo by Eric George

Investors do love to combine meals, networking and real estate instruction. There was a lot of note-taking going on April 4 as Mark Hass talked about REOs at Corner Café. Thanks, Ed Gibson, for organizing the lunch meetup! Insurance for the Real Estate Investor realprotect.com

Do you take photos at KREIA meetings, LOTS meetups and other KREIA events? Help us out! Send your snaps to News@kreia.com

Iroquois L.O.T.S. Home: A Closer Look Clay Smith finishes house for out-of-state investor The house on Bruce Avenue didn’t turn out to be a home run, but it is expected to turn a slight profit. It’s proof of the adage that you win some, you lose some. And sometimes you break even. “It’s not really a win for the investor,” said Clay Smith, who’s managing the rehab for the owner, who’s based in Utah. “It’s more that he’s trying to get out of the hole he dug himself in. Price is important when The house at 5446 Bruce Ave. was purchased by an out-of-state investor. you buy, for sure.” been using Lowe’s carpets for years, but he said he likes Joe The Utah investor bought the house for $47,000 as-is. It had been vacant for years. There was foliage running wild in Jr.’s prices better. “I just put in a regular grade pad with a the front yard and water damage inside. The first contractor gray carpet for almost everything. Same colors in every hired turned in substandard work and was fired, and the jobs house.” Clay hired a designer to come in and give him a kitchen he had attempted needed to be redone. Clay had worked layout. He got his cabinets — the “K Series” — from Yaneeda with the owner before, so he offered to bring in his own Kitchen off National Turnpike. Clay said the K Series comes in crew and finish the rehab. three colors, and he likes the cinnamon and espresso. He A prolific investor himself, Clay owns a contracting used the espresso here. company that does roofing, gutters and windows. He also The granite owns a property management company. Clay said he buys ran him $1,100, Go to investinlouisville.com/lots one to two houses per month, and this year his focus is on Want to see Clay’s scope of work for this but he’s friends purchasing homes in the $80,000 to $130,000 range to fix house, a set of “before pictures,” contracts with the installand sell to other investors — or to end buyers. He has five er, who he said he used and a material list in Excel? Visit the going on right now besides this project. link above, which takes you to his Dropbox cut him a deal. Clay said the all-in rehab cost for this house, in a collection of documents for the rehab. Clay The microneighborhood not far from Iroquois Park, is around $55,000. is giving us a generously transparent look The sale price is expected to be from $110,000 to $120,000. wave, dishwash- behind the curtain. Thanks, Clay! His group fixed the roof and changed the layout, turning it er and garbage disposal came from Lowe’s, who he trusts to deliver and set from a two-bedroom into a threeup appliances even when he’s not there to supervise, the bedroom house. They moved the workers gaining entry via lockbox. “Twenty or thirty years front door to a different wall — left where it was, it would have dumped ago it was a big thing to just have a range hood,” Clay said. “Now it’s kind of expected that you have all this stuff in your into the reconfigured master bedhouse, so I go ahead and put it in whenever I’m doing a sale. room, which now sports a walk-in Buyers seem to want it.” closet. There’s still plenty of exterior work left to do. Clay said his The redid the electric, panel and crew is going to fix the siding, fix windows, pressure wash, all. “For flooring, we use Pro-Tech paint, install gutters, repair the front steps, add lighting and Flooring, right out of KREIA,” Clay change out the garage doors. said. He also plans to use another (Continued on the next page) KREIA sponsor for carpeting: He’s Clay Smith Copyright MMXVII Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Did you attend this L.O.T.S. event? If so, you heard Clay’s recommendations on more vendors, along with a list of suggestions on things to fix along the way while you’re rehabbing — things that often come back to bite you on inspection reports. Things like not using insulation when adding new drywall to a ceiling. “You’re constantly going to get dinged for insulation,” he said. If you didn’t attend this L.O.T.S. event, you missed out on a lot more tips, including how to tell if your subcontractor is properly licensed and insured. And why you always want to write a contract the first time you use a new contractor. (He gets his contract from rocketlawyer.com and appends the scope of work to it. Both documents are signed.) A designer drafted the kitchen layout for Clay. Nice-looking kitchen! After making his presentation, Clay spent at least a half hour answering KREIA So, come to the next L.O.T.S. event! You never know what members’ questions. you’ll learn. To see more photos from this L.O.T.S. event, What else did you miss if you didn’t attend? Networking visit KREIA’s private Facebook group. opportunities. And a free lunch! This time you missed a tasty Why is it called “L.O.T.S.”? Because we Learn On The Site! box lunch with sub sandwich.

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Call 888-445-FLIP or visit us online at www.surepointequity.com Copyright MMXVII Kentuckiana Real Estate Investors Association • P.O. Box 91225 • Louisville, KY• 40291 (502) 509-2216 www.KREIA.com DISCLAIMER: KREIA does NOT pre-qualify, evaluate, endorse, guarantee or warranty any particular deal, service, company, or person. The Kentuckiana Real Estate Investors Association recommends you perform your own due diligence & seek appropriate legal, accounting, or other professional advice before making any investment. KREIA is a Member of National Real Estate Investors Association.

Nobody Wins When You Bring a 2x4 to Closing By Tamara West So, what happens when negotiations go south? No, I’m not talking about a trip to the Bahamas. I’m talking about when the warm and fuzzy Kumbaya feeling of “we got under contract and we are a real estate god” goes out the window. Sometimes it’s sudden: One minute everything’s hunky-dory, and the next instant you’re talking to Sasquatch. Or sometimes it’s subtle little snowflakes that turn into a rolling snowball and then an avalanche of “Oh, crap, this is not working.” And of course there’s the bipolar transactions we have where one minute the other party is Mary Poppins and the next they’re Bloody Freaking Mary. So, how do we deal with Tamara West difficult people and situations? I personally wanted to bring a 2x4 to my last closing (I had one in my car — it was so handy) to knock some sense into the other ignoramus broker. But besides making me feel really great, it would have had devastating consequences for my real estate career and my kids. Ummm, criminal record… little stuff like that. We’ve all had difficult transactions at one time or another. Here are a few things you can do when you feel like bringing a 2x4 to a closing: 1. Suck It Up, Buttercup! It’s not personal, it’s business. I know that’s extremely hard to separate when that son-of-asandbag on the other side of the negotiation is acting like domaas, but we are the professional and we must rise above. 2. Wooosaaaa. Deep breath. Deep calming breath. There are times when I literally couldn’t answer the phone because I had to breathe instead of talk to that person, because I knew they were going to tick me off. Which leads me to my next point. 3. Exploit Technology. Technology is wonderful sometimes, like the sometimes when the best thing for you not to do is to talk to the other party. If they continue to act like their shoe size instead of their belt size, then sometimes the best course of action is not to talk but to get everything in writing, text or email. 4. WWE Tag team. No, I don’t mean you and your partner go clothes-line the other person. I mean that you should have someone who can take over with a fresh perspective and no

emotional involvement — another agent at your brokerage, or your broker, or maybe an attorney facilitating the closing. Having someone to unburden on is key. Hopefully next time you have to deal with that special someone who doesn’t have the sense God gave an ant, and you feel like taking a 2x4 to the closing, one of these suggestions will come to mind.

Joel Cecil E-mail: joel.fastandeasyhomebuying@gmail.com Cell Phone: (502) 296-0458 Company Name: Fast & Easy Home Buying, LLC City You Grew Up In: Louisville Current or Previous Occupation(s): I'm a full-time wholesaler solving your problem by finding you the deals that are very hard to find! I do whatever it takes to get the job done! The only way I operate is ethically! I'm putting homes under contract every week so if you are interested in being added to my buyers list, send me your email with your info and I will send you every property! You won't regret it! God Bless You! Hobbies, Passions, and Fun: God 1st, Living Healthy, Supporting my family, and helping out others in need! KREIA Member since: October, 2016 Why Did You Join KREIA? To Learn more, add Cash Buyers Why Are You a KREIA Member? To become the best wholesaler, or at least better than I was the day before! Year You Began Investing: 2016 Your Real Estate Investing Preferences: Full-time wholesaler bringing the properties straight to your email every week! Your Top Tip for Investors: To Jump in NOW, you will never learn enough so learn as you go!

Property Medic New to house flipping? Need a diagnosis on a prospective rehab house? Do a walkthrough with Jeff Colgate — he can help you write a scope of work for the contractor you end up hiring.

JC4PropertyMedic@gmail.com

(502) 645-4375

Lifeonaire Workshop: Transform Everything 3-day LifeBuilders event comes to Louisville May 18-20 Learn How To Have More Free Time, Make More Money, Find True Fulfillment, And Enjoy Freedom Like You Never Have Before! Which of these sound like you? Overworked…Struggling Financially…Zero Free Time…Stressed Out…Relationships On The Rocks…Sleepless Nights Wondering… “Is Life Supposed To Be Like This?” If any of those descriptions sound like you… You Are Not Alone. And that’s why you’re here… You want more out of life and Know You Were Meant For Something Much Better, but you’ve been struggling to get there. But It Doesn’t Have To Be That Way! There’s A Solution, And It’s Called Lifeonaire! You may have heard of it. It’s changed the lives of THOUSANDS of people already and you’re going to be next. Join Jason Wojo, right, Steve Cook and other coaches for a 3-day life-changing event

GRAB A FRIEND! THEN GRAB ONE MORE! Admission: 1 person for $197, or 3 people for $297! Dates: May 18-20 Location: Ramada Plaza, 9700 Bluegrass Parkway, Louisville, KY 40299

SIGN UP NOW AT KREIA.COM! Steve Cook: Lifeonaire founder lives a life giving back (Continued from Page 3) Yes, he was making phenomenal money, but along the way he also had created a monster business that completely consumed his thoughts, time, and life. Ironically the very thing that was supposed to give him freedom was robbing him of it. And thus Lifeonaire was born. He went back to the drawing board and fully redesigned his business and life from the ground up, figuring out a way to set up his businesses around his life…instead of the other way around like most people do it.

Now he teaches others how to do the exact same and strangely enough, he’s found that when people set things up this way, they often end up often making even more money than when all they did was work all the time. Steve now enjoys a true life of prosperity and abundance. He speaks, coaches, and invests in alignment with his vision. His deep faith and love for helping others has called him to a life of “giving back.” He has been blessed with an extraordinary wife, five wonderful children, and a faith that sustains him and drives his desires to help others live abundant and prosperous lives.

PO Box 91225 Louisville, KY 40291 Return Service Requested

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KREIAâ€™s Monthly Meeting! Thursday, April 27, 2016 5:30 p.m. Early Meeting: Julia King explains how to improve your credit scores quickly

7 p.m. Main Meeting: 4 Stages of Financial Prosperity Steve Cook of Lifeonaire teaches how to improve all aspects of your business and personal life while having more free time.

PRE-Pay Now at KREIA.com to Qualify for a Big Door Prize Drawing!