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Providing Education, Resources & Networking Since 1978 Kentucky’s premier investment club for landlords, rehabbers and wholesalers Meeting the 4th Thursday of every month (except November & December) KREIA.COM • facebook.com/groups/kreiaky • twitter.com/reiaky

Monthly Newsletter for KREIA Members

Vol 08-18 August 2018 President’s Letter

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Rich Rewards in Notes: Joe 3 Varnadore from NoteSchool visits to give us an overview of note investing Welcome, New Members!

Saturday ‘Gold in Notes’ Workshop: Joe Varnadore sticks around to teach us more about notes!

Directory Project: We’re working 4 on it, and we need your help KREIA Photos

L.O.T.S. Recap: Frank Miller hits 13 a double, rehabs two neighboring houses in Pleasure Ridge Park

KREIA Members! The real estate market this year has been ON FIRE and hopefully you’ve been cashing in on it, whether you’re flipping houses to sell, wholesaling contracts for quick cash, or raking in the passive income from rental properties! Those are the traditional ways investors make money in real estate, but did you know you can also make big bucks buying and selling the “notes” tied to properties as well?

Eric George

Are you tired of dealing with tenants and clogged toilets? Hate chasing down contractors who don’t show up on your rehabs? Then you need to come learn how to cash in on this powerful investing niche when Joe Varnadore from NoteSchool comes to KREIA! Joe will give us the big overview on how to invest in notes Thursday, August 23rd, and then on Saturday, August 25th, he’s teaching a full-day workshop where you can really dive in and learn the nuts and bolts of how to get started investing in notes! Sign up before the 23rd to take advantage of the early-bird discount! I also want to give you an update on our KREIA member directory that’s in the works. We’re planning to have these printed in the next 30 days or so and they’ll be distributed to all KREIA members at our upcoming monthly meetings! If you do NOT want to be included in the directory, you must OPT-OUT very soon by logging into the KREIA website, then click on “Edit Profile,” then un-check the box next to “Allow Members to Find Me.” After this month’s meeting, anyone who has not opted-out we will assume wants to be in the directory and we’ll move forward with printing them. See you at the meeting!

Mike Butler: How depreciation 16 affects your real estate business

Eric George KREIA President

Eric Caudy: 6 easy SEO tricks to drive more traffic to your website Nina Musgrave: Infographic — Kentucky market statistics

Copyright MMXVIII 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 Eric George

Vice President Tamara West

Advertise With KREIA

Secretary Erik Hitzelberger

Treasurer Mike Treasurer-Elect Grinnan CPA Wally Kallbreier

Board of Directors

Put your message in front of the most active rehabbers, landlords and wholesalers in the state! KREIA offers five membership levels for businesses. Go to KREIA.com and join at one of these annual advertising levels to get your ad in every issue of KREIA's newsletter and be invited to make ad pitches at meetings:

Business Card Membership . . . . . . . . $199 Includes your business-card-sized ad. Admission at monthly meetings remains $20. Premium Levels: These four advertising levels include your ½-page ad in each issue!

Rue McFarland

George Foree

Dennis Erhard

John Jones

Lauren Willoughby

Darin O'Neil

Mike Fallot

Hampton Scurlock

Michelle Rawn

Mike Butler

Chris McCarty

Greg Nalley

Past Pres. Frank Miller

Get involved with KREIA. You can help with the monthly meetings, L.O.T.S. program, this newsletter, Saturday workshops, Government Affairs roundups, marketing, the KREIA website and more. PLUS You Get EXTRA KREIA points for everything you do! Ask for someone to direct you as you check in at the front desk at monthly meetings.

Parliamentarian Hank Schildknecht

KREIA's newsletter is published monthly and serves to educate you and to remind you of upcoming monthly meetings. About KREIA: The Kentuckiana Real Estate Investors Association is a members-only, nonprofit organization focused on education, networking and resources for today's investor. 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. Group discounts are available. Contact us at News@KREIA.com if you want to: Advertise on KREIA.com • Sponsor a monthly meeting Sponsor a L.O.T.S. program • Sponsor Saturday Workshops

Bronze Membership . . . . . . . . . . . . . $499 Includes free admission to monthly meetings for one person. Silver Membership . . . . . . . . . . . . . . $699 Includes free admission to monthly meetings for two people. Gold Membership . . . . . . . . . . . . . . . $999 Includes free admission to monthly meetings for two people and gives you a skirted table in the vendors area. Platinum Membership . . . . . . . . . . $4,995 Includes everything the Gold level offers, plus extra promotion from KREIA. You'll be our designated events sponsor, and we will promote you accordingly! New ½-page advertising levels and pricing are in effect for new member signups and upon renewal for current advertisers. Questions? Send email to News@KREIA.com or catch up with KREIA Sponsor/Advertiser Chair Dennis Erhard at the meetings.

Join KREIA Joining KREIA is easy: Go to KREIA.com and click the "JOIN" option on the menu. The cost to join as an individual member remains at $125 per year, with a charge of $20 at the door for monthly meetings. Click JOIN at KREIA.com to find out about all the benefits of membership for both individuals and businesses. Too many to list here!

Invest in Notes! There’s Profit in Paper How to get cash flow like a landlord without the hassle of being a landlord By Joe Varnadore Most real estate investors have heard of the “note business,” but many misunderstand it while others think that it is completely separate from the real estate business. The fact is, most real estate investors are in the note business, and they just don’t know it. The note business is the financing side of the real estate business. • Note Business in the Simplest Terms The note business is based upon the purchase, sale and assigning of two documents: the promissory note and the mortgage agreement. These two documents represent a promise to pay and a solution for non-payment. Note = Promissory Note = IOU (I Owe You) Mortgage = Collateral Agreement = Foreclosure Agreement

the property. You are a real estate investor simply acquiring property in a different way. If you buy a non-performing note on an occupied property, you will either modify the loan to start receiving monthly cash flow, get a Deed in Lieu or foreclose. • Performing When you purchase a performing note, you acquire longterm, real-estate-backed, monthly cash flow. Today, these assets can be purchased for 60 cents on the dollar. That is an unbelievably good deal. No landlording, no hassles, just automatic monthly deposits into your account. Joseph Varnadore from NoteSchool will be presenting “Rich Rewards in Notes” to KREIA on Thursday, Aug. 23, at the main meeting. You owe it to yourself to learn more about this huge opportunity in real estate. See you then!

When someone borrows money to purchase real estate, they have to sign an agreement to promise to pay it back. This agreement also outlines the terms of the payback. This written promise is not enough to get a loan. This promise must be backed by collateral of value, which is typically the real estate itself. The collateral agreement pre-authorizes the foreclosure of the property if the debt is not paid according to the promissory note. • Move from the Paying End to the Receiving End So if you have ever borrowed money from a traditional lender, private or hard-money lender, or even a property seller, you have been in the “note business”! Well, you have been on the paying side of the note business. Why not get  SATURDAY WORKSHOP! Get 6 intensive hours of note on the receiving end of the note business! In the receiving end of the note business, you can receive training on Aug. 25! Turn the page for more information! monthly cash flow without the headaches and liabilities of JOE VARNADORE: Investing in his first propbeing a landlord, you can get lump sum payouts, or even erty at the age of 19, Joe learned the imporend up with the property at 30 to 40 cents on the dollar! tance of using creative financing to make the • Acquire Property or Cash Flow for Pennies on the Dollar deal work. Since then, Joe has created, broToday’s inventory of both performing and nonkered, bought and sold more than 10,000 performing notes is so massive that it doubles the number real estate notes on both residential and of foreclosures since 2008. This supply has prices for notes commercial properties. As an author, speakat historical lows, but it will not last forever. er and trainer for the past 25 years, he believes that there • Non-Performing has never been a greater opportunity for real estate investWhen you buy a non-performing note on a vacant home, ors to use non-performing notes to acquire properties and you will acquire a Deed in Lieu or foreclose and end up with seller financing to cash out.

5:30 p.m. Early Meeting: John Talbott Special Door Prize for Pre-Paid Registrations! Active Members: $20 • Guests: $30 • Former Members: $30 Register now at kreia.com. Receipt emailed for your records.

PRE-PAY NOW!

An update on the Jefferson Development Group’s 3-acre, 30-story project (offices, apartments, hotel, condos) at Lexington Road & Grinstead Drive.

Welcome, New KREIA Members! Rich Ammon Edmond Ashby Gracye Avalos Kimberly Ballard Peter Brondum Randy Brown Diane Brown Eric Caudy Terrance Cobb

Jason Field Brian Hemmerle Jared Lockwood Ekundayo Olomo Erik Smith Tyler Smith Casey Speer Boris Suarez Alain Tchamba

Brian Terry Ronald Varda Robert White Adam Wilson

Saturday Workshop! What You’ll Learn:  How note investors are making double-digit returns  How you can profit while significantly helping people who are suffering from the mortgage meltdown  How to purchase and even flip notes without using any of your own money  How to use your IRA or 401k to profit big — tax-free  How investor are closing deals (examine case studies)  How to sell landlords loaded rentals using a 50/50 model that brings you lump sum cash now, cash flow later  How government mandates are driving the business  … And much more as Joe Varnadore gives us 6 hours of note-investing instruction!  When: Saturday, August 25th, 9 a.m.  Cost: $99 for members, $199 for non-members.  Where: Home of the Innocents, Hockensmith Building (1100 E. Market St., Louisville, KY 40206) Early Bird Pricing! Pay $79 instead of $99! And $179 instead of $199! Register by midnight of Aug. 23rd to lock in pricing.

Help Us Produce the Directory We’re working on bringing you a printed members directory, but we need your help! Have you checked out your profile lately at kreia.com? That’s the data we’ll be pulling from, so please make sure your contact information is accurate. If it’s been a while, here’s how to do that:

1. Go to kreia.com, click the “Sign In” link and log in. 2. Click the “My Dashboard” link. 3. Scroll until you see “My Profile Information.” Is your info correct? Great! If not, scroll down some more and click the Edit button, then update your info. Click “Save.” 4. Update “About Me” info to tell us about what you do – this is for the Yellow Pages section. Click the Edit button, then click the checkboxes that match your skills. And save. That’s about it! Watch the kreia.com homepage and your email for updates about the directory. Copyright MMXVIII 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.

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6 Easy SEO Tricks: Continued from Page 20 Every time content is published or updated, Google is alerted. With faster indexing of your site pages, these pages are easier to find in search engines. This will increase your website ranking and traffic. 6. Internal Links Internal links are links to other pages on your website. Typically they’re to product pages deeper in your site, other blogs you’ve written, or a contact page. Internal links help visitors because they don’t have to search your website for the information. It makes using your website easier and ultimately increases SEO result. This is a great SEO trick–especially for bloggers. Other SEO Tricks These are six of the most important SEO tricks you can do to optimize traffic and ultimately better your chance of winning more business. You’ll see the fastest SEO results after utilizing each of these. However, keep in mind that the most important factor is always content. Even if your website demonstrates expertise and passion, the information must be presented in a clear and compelling way. For more tips on creating a great website and bringing in more website traffic, call Eric Caudy at SimpleLogic at (502) 500-1499 or visit our website at simplelogicweb.com.

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photo by bruce w. hinson www.obedientcamera.com Having fun at KREIA! From left: Katie Noe, Luke Harwell, Jacob Branch, photobomber Jeff OBryan, Wesley Branch, and Kevin Weis. Past President Joe Hampton headlined last month’s main meeting, teaching us how to trade up using 1031 Exchanges.

photo by bruce w. hinson www.obedientcamera.com

photo by bruce w. hinson www.obedientcamera.com In his last official act as parliamentarian, Hank Schildknecht swore in new KREIA officers and board members. Don’t worry – he’ll still be around!

KREIA

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See more photos in KREIA's private Facebook group.

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photo by bruce w. hinson www.obedientcamera.com

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PRP L.O.T.S. Homes: A Closer Look Frank Miller rehabs two neighboring houses

“It’s going to be a mini-Homearama for you guys,” Frank Miller said. That’s how the KREIA past president kicked off his presentation at the July 31st L.O.T.S. event. Visitors had not just one rehabbed house to tour, but two. Frank purchased the house at 8507 Thompson Lane in January. Then in April he bought the house at 8511, just one house over. Frank gathered KREIA members at 8507, and that’s the house he described first. A brick tri-level built in the 1960s, with three bedrooms, two baths and over 1,900 square feet, this was the house Frank said was a “minimal rehab” — a get-in-and-get-out-quick house. (The reason he said it took him seven months was because he had other houses in the hopper — this one got pushed back.) The $21,605 spent on labor and materials contributed to some high-end finishes on a Frank Miller purchased these two houses at the Commissioner’s Sale: 8507 handsome makeover. He put granite in the Thompson Lane, above, and 8511 Thompson Lane. (Photos by Lauren Willoughby) kitchen and ceramic tile in the bath. A spiffy Another difference with this house is that Frank didn’t cooktop/oven kitchen island went in (bought at a discount). Here are some other things his crew tackled: electrostatic rehab it — he sold it to longtime friends at cost. They’d seen his mentoring videos and ads and wanted to try this housepainting of the tub, shower and shower walls; some drywall work and complete painting of the interior; new carpet in the flipping thing for themselves. Frank said he did guide them upper levels and waterproof laminate in the lower level; and through the process. And for their very first rehab, with no plumbing (new drains and PEX). Frank’s wife, Tommi, did the previous experience, they’ll probably walk away with about $40,000 in profit. Not bad for a first effort! staging. Frank’s goal is to have both houses sold to new families The house at 8511 provided a study in contrasts. It required $29,760 for labor and materials. While that amounts by September 1. And he’ll have had a hand in putting two vacant and tax-delinquent houses back on the city’s tax to only $8,000 more than what was spent at the tri-level, rolls. “So it’s a win-win-win for everyone,” he said. Frank said this house’s rehab was much more involved. For starters, it was a 1915 farmhouse. It needed just about THE NUMBERS everything. And the finishes, while attractive, are not high8507 Thompson Lane 8511 Thompson Lane end. No granite in this kitchen. Purchase Price: $97,000 Purchase Price: $63,700 He encouraged everyone to look at the “before” photos he Labor & Materials: $21,605 Labor & Materials: $29,760 posted to see how dramatic the transformation really was. Holding, Carrying Costs: $9,155 Holding, Carrying Costs: $4,450 The cellar required a beam to be installed, along with waterMisc. Closing Costs: $6,422 Misc. Closing Costs: $9,415 waterproofing and mold remediation. Est. Sale Price: $159,900 Est. Sale Price*: $155,000 A new furnace and A/C unit were Est. Profit: $25,718 Est. Profit: $47,675 installed, along with all-new ductwork, for *Frank said the sale price on 8511 is about $5,000 too high. $5,800, the single largest expense. A bathroom was added. All-new windows Frank’s next mentoring class is opening up in October. For were installed by KREIA advertiser Benthall more info, visit http://believeinvestmentgroup.com. Brothers ($3,250). More than $2,700 in plumbing work was done, along with Why do we call it “L.O.T.S.”? Because we Learn On The Site! $1,850 in electrical work. Frank Miller Copyright MMXVIII 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.

What is ‘Dee-Pree-Shee-A-Shun?’

And how does it affect my real estate investing business? By Mike Butler Depreciation — It’s defined as a non-cash expense that reduces the value of an asset as a result of wear and tear, age or obsolescence. Most assets lose their value over time (in other words, they depreciate), and must be replaced once the end of their useful life is reached. There are several accounting methods used in order to write off an asset's depreciation cost over the period of its useful life. Because it is a non-cash expense, depreciation lowers the company’s reported earnings while increasing free cash flow. According to the IRS for tax purposes, when you invest in real estate, you are purchasing two things. 1. DIRT: Never wears out; therefore, you cannot depreciate it. 2. IMPROVEMENTS: this includes any structures built on your dirt. House(s), garages, sheds, cesspools, etc. The IRS says these improvements do decline in value as a result of wear and tear. a. The IRS says the life of your improvements is set at: - 27.5 years for Residential - 39 years for Commercial Simple Example: Suppose a painter buys an extension ladder for $1,000 and assume the life of the ladder is 10 years. Although the painter is out $1,000 cash right now and the IRS says the life of his ladder is 10 years, he can only “write off” $100 per year for 10 years. On top of this, the ladder will probably be worth ZERO at the end of 10 years. CHECK THIS OUT: With real estate, we sort of get to do the same thing as with the ladder. We canNOT depreciate DIRT. It lasts forever. But things built on dirt (buildings and improvements) have an expected life, says Uncle Sam. What’s beautiful about real estate is it usually goes UP IN VALUE (assuming you purchased right)… and not down in value like the poor old painter’s ladder. Example 1 A contractor Buys a $10,000 Gutter Machine – and the IRS says it’s on a 10-year schedule. This contractor gets a “Phantom Expense” of $1,000 for the next 10 years to depreciate his new ladder. Even though he is $10k cash out of pocket for the purchase, he does NOT get to show a $10,000 expense for the year he purchased it. Because the machine has a 10-year life, he can write off only $1,000 each year for the next 10 years. Plus, in reality, a machine will probably be worth a lot less, if not zero, in 10 years. Example 2 An investor buys a single-family rental for $80,000 (worth $120k). For IRS purposes, today’s market value is NEVER used until you have SOLD this investment. Just for simple

training purposes, let’s say the dirt value is $5,000 and the improvements (house, garage, etc.) are worth $75,000. DIRT doesn’t get depreciated. IRS says it never wears out. IMPROVEMENTS – the residential house – gets depreciated over 27.5 years: $75k in improvements divided by 27.5 = $2,727 of “phantom expense” every year for 27.5 years! Back when I had a job as an undercover police detective in Louisville making $41,000 per year in wages, after my CPA applied this “depreciation” of $2,727, I did not pay income tax on $41k. I ended up paying income tax on $38,273. CHECK This Out: If you had 10 rental houses like this, you’d get $27,270 in depreciation to lower your taxable income! Imagine having 20 nice rental houses – Now you’d get $54,540 in depreciation to lower your taxable income for the next 27.5 years! The kinds of property you can depreciate include machinery, equipment, buildings, vehicles and furniture. You cannot claim depreciation on property held for personal use. If you use property, such as a car, for both business or investment and personal purposes, only the business or investment use portion may be depreciated. You may depreciate property that meets all five of the following tests: • It must be property you own. • It must be used in a business or other income-producing activity. • It must have a determinable useful life. • It must be expected to last more than one year. • It must not be excepted property. Excepted property (as described in IRS Publication 946, “How to Depreciate Property”) includes certain intangible property, term interests and property placed in service and disposed of in the same year. I want to personally invite you to an exclusive 3-Day LIVE Training Boot Camp Sept. 21-23 right here in Louisville. You will get absolutely everything I wished I would’ve known before I started investing. Early Bird Discount Registration is open right now: “How to Buy WITHOUT Banks, Money, Credit, Private Lenders, or Partners.” (FYI, I have never gone to a bank to buy an investment property) You will get a super discount when you register yourself plus your AP (Study Buddy). Mark Your Calendar now and register online at www.MikeButler.com To Your Continued $uccess!

*NOTE: Always Check with Your Expert Tax Advisor

6 Easy SEO Tricks to Get Google’s Attention Things you can do to drive more traffic to your website By Eric Caudy You write killer content. You’re an expert at what you do and have a passion for it. There’s probably no one else on the planet who has your unique expertise–and the information you provide is invaluable. So why isn’t your website getting more traffic? There are several SEO (Search Engine Optimization) tricks you can do to bring more people to your website and be on the top of anyone’s Google search. Here are six simple tricks you can do to improve your website's ranking. 1. Backlinks Backlinks are by far are one of the number one factors that affect SEO ranking. You’ll get the fastest SEO results if you include good backlinks from trusted PR sites, authority sites, and social media sites. So, how do you create high-quality backlinks? • Add an anchor text to your YouTube Channel. • Create and add a link to your Facebook page. • Write Guest Posts on popular blogs and sites about your niche topic. • Write a free WordPress blog and add a link to that blog.

3. Website Security Security is an important topic these days, especially when it comes to your website. Google has stated that it will give secure websites a higher priority when ranking them in its index. In other words, if your site is competing on the first page of Google's search rankings, it will place secure sites higher than non-secure sites. Secure sites give their users a better experience because Google feels confident the site is a legitimate resource for what the user searched for. To secure your website, work with your website provider or website hosting firm and install an SSL certificate on your website. This adds an “s” and the the URL and a green padlock to your site like https://www.cnn.com.

4. Increase Speed Your website loading speed is another factor that greatly Just remember, backlinks need to come from sites that Google considers trustworthy. Think of sites such as Google+, affects how well your pages rank. Google gives more importance to websites with faster Amazon, CNN Money, LendingTree, or highly respected blogs loading speeds. If your website loads too slowly (more than a related to your niche. few seconds), visitors are likely to give up. A plugin like W3 Total Cache can help speed up your site 2. Website Design and Structure right away. You can also check the speed and performance of Make sure your website design is user-friendly and easy to your site with website grader such as GT Metrix. navigate. This means that your site's most relevant information 5. Website Sitemap should be easy to find with no more than three clicks. You You should generate an XML Sitemap for your site’s URLs want your site visitors to have a good experience and for the and submit it to Google. This will get your site pages search engines to find your information quickly. registered with Google crawler so that it communicates The best websites have a flat structure that helps the directly with Google. search engines crawl and index your pages faster and rank Continued on Page 8 your site quicker. Copyright MMXVIII 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.

Infographic by Nina Musgrave based on data from kyrealtors.com

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THE Local Resource for Landlords, Rehabbers & Wholesalers Meeting the 4th Thursday of every month (except November & December) at Woodhaven Country Club, 7200 Woodhaven Road, Louisville, KY 40291 KREIA.COM • twitter.com/reiaky • instagram.com/reiaky • youtube.com/KreiaDotCom facebook.com/reiaky (public) • facebook.com/groups/kreiaky (private)

UPCOMING EVENTS

Rich Rewards in Notes Joe Varnadore is flying in from NoteSchool in Texas to give us an overview of the investing niche concerned with the buying and selling of performing and nonperforming notes. If passive investments interest you, make sure to be here! Thursday, Aug. 23, 5:30 p.m.  Early Meeting: Jefferson Development Group project update

Gold in Notes Joe Varnadore sticks around to teach a 6-hour workshop on note investing. Dig deeper into how you can earn cash flow like a landlord without the hassles of being a landlord. Sign up by midnight of the main meeting for a $20 early-bird discount! Saturday, Aug. 25, 9 a.m. Home of the Innocents

 August 28 — noon-1 p.m. L.O.T.S. event. Location TBD. Check your email. Members only. Lunch is provided.  September 4 — 11:30-1 p.m. Louisville Lunch and Learn. Frank Miller is this month’s featured speaker. Members only. You buy your own lunch. Ed Gibson is the organizer.  September 6 — 5 p.m.-7 p.m. KREIA Happy Hour. Networking at a local restaurant. Check your email. Members only. "KREIA advertising  September 12 — 11:45 a.m.-1:30 p.m. KREIA Indiana Subis by far, hands down, the nd Group Luncheon Meeting. Meets the 2 Wednesday each absolute best advertising month at Tucker’s Restaurant in New Albany on State Street dollar ever spent for and I-265. You buy your own lunch. Brian Haeseley chairs. Borders & Borders!"  September 20 — 6 p.m.-7:30 p.m. KREIA Game Night: CashFlow. Want to get out of the Rat Race? Play CashFlow with other investors pursuing financial freedom.

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