As buyers have been disillusioned with higher gas prices, food cost worries and personal housing problems, some of the lenders with these excess inventories have also come up deferred payment programs, As an additional dealer/lender incentive, a down payment is required from the customer but the second payment may be deferred up to 75 days, for a selected inventory group, Check an example below:
Your have access to this great opportunity from a Dealer/Lender on their off lease and repos. Lessees can maximize their earning potential by deferring your first payment after funding for no less than 60 days. Gives the customers an opportunity for even more earning potential in the first months of their lease!
Here's how it works:
- Lessees choose an asset from the list that is available from the dealer. - Complete all normal documentation for funding and submit it to the lender
Complete a special addendum and submit it as a part of your documentation package. Complete the above steps and you are able to push out their first payment after funding for at least 60 days (up to 75 days, depending on date of funding). Take advantage of this unique opportunity now. To be eligible, the deal must fund by July 31, 2008.
- When you pick up your equipment, you will drive off with a $300 fuel card in their pocket!
Program Benefits for All Lessees and Assets
Waived processing fee - $0 processing fee means only the first payment is required in advance . - Start-ups and challenged credit commonly approved on all equipment types. - All ages and types of companies are eligible for approvals on the inventory, including start-ups and proprietorships for over-the-road trucks and trailers and forestry equipment - First payment in advance only - Documentation and up-front payments must be received by July 31, 2008.* 60-Month Financing for All Ages of Equipment - Extend the term length for lower monthly payments. - Extend the term length for a lower first payment due in advance.
Take advantage of these specials today!
As you see from this example, these concessions could sway the buyer for making a consideration for this program. No payments up to 75 days can be a stimulus to a sagging sales force. Additionally, other lenders are giving away gas cards as well to entice the deals. First Payment Only programs, no payments for 75 days, 60 months to repay regardless of age, favorable buy out clauses, easier credit qualifications, prior bankruptcies waived, additional co-signors ok, and start up businesses welcome are just some of the changes the dealers must consider to get the buyers' interest.
The type of items we are going to identify as potential deals for the customer are the following:
Dump trucks, flatbed trucks, grapple and landscape trucks, fuel and lube trucks, bucket and boom trucks, over the road and day cabs, water trucks, tow trucks, box vans and straight trucks, dry van and reefer trailers, end and bottom dump trailers, flatbed trailers, backhoes, bulldozers, crawler tractors, forestry equipment, excavators, forklifts, and other type loaders.
In conclusion, this is a buyers market for commercial trucks, trailers, and construction equipment. Check out all the deals in the market and make sure that you have a stable income base to assume whatever debt that you may occur.
Happy hunting for your acquistion.
Showing posts with label cheap hermes birkin. Show all posts
Showing posts with label cheap hermes birkin. Show all posts
Saturday, February 11, 2012
Commercial Trucking Insurance- Required By Law And Necessary For Good Business_43944
If you operate a commercial trucking business -- whether you have a fleet of one or hundreds of vehicles -- you need commercial trucking insurance.
Commercial trucking insurance is needed to protect you in case of accidents on the road, or even during the loading or unloading of cargo. In fact, insurance can protect you and your driver should another truck hit yours while your driver is taking a break at a rest stop.
Good Insurance is Good for Business
Insurance for your commercial vehicles is required by law. Good business practice also 搑equires?it -- having good commercial trucking insurance can protect you from financial ruin when the inevitable minor and major accidents and injuries occur.
As you search for insurance, you抣l be looking for coverage that applies in four areas, general liability, non-trucking liability, motor truck cargo and primary liability.
General liability commercial trucking insurance covers those incidents mentioned above, those that don抰 happen while your truck is on the road, such as at rest stops, loading and unloading, and so on. General liability insurance also provides protection for you due to theft and vandalism.
Your non-trucking liability insurance (also known as bobtail insurance) covers your truck when your vehicle isn抰 running, such as when it抯 in the repair shop.
Motor truck cargo insurance protects the cargo your vehicle is shipping. This protects your client should your vehicle抯 cargo be stolen or damaged en route.
In addition, if your company抯 trucks pull trailers owned by someone else, you probably will want to consider what is known as trailer interchange coverage. This type of commercial trucking insurance protects you against losses to those trailers you抮e leasing from another company.
The Federal Government抯 Insurance Minimums
Federal law requires that you carry a minimum of $750,000 in liability insurance and $5,000 in cargo insurance. Industry-wide, the standard is $1 million in liability and $100,000 in cargo insurance. Be advised that you may want to consider the higher amounts because in the instance where the cost of theft, accident damage or other incidents is higher than your commercial trucking insurance, you more than likely will be required to pay the difference between the insurance coverage and the actual damage amount.
Not having adequate commercial trucking insurance could bankrupt you should your trucks and drivers be in harm抯 way. Insurance can help you, your drivers and your customers, rest easy as you all know your trucks and cargo are covered in case of tragedy.
Commercial trucking insurance is needed to protect you in case of accidents on the road, or even during the loading or unloading of cargo. In fact, insurance can protect you and your driver should another truck hit yours while your driver is taking a break at a rest stop.
Good Insurance is Good for Business
Insurance for your commercial vehicles is required by law. Good business practice also 搑equires?it -- having good commercial trucking insurance can protect you from financial ruin when the inevitable minor and major accidents and injuries occur.
As you search for insurance, you抣l be looking for coverage that applies in four areas, general liability, non-trucking liability, motor truck cargo and primary liability.
General liability commercial trucking insurance covers those incidents mentioned above, those that don抰 happen while your truck is on the road, such as at rest stops, loading and unloading, and so on. General liability insurance also provides protection for you due to theft and vandalism.
Your non-trucking liability insurance (also known as bobtail insurance) covers your truck when your vehicle isn抰 running, such as when it抯 in the repair shop.
Motor truck cargo insurance protects the cargo your vehicle is shipping. This protects your client should your vehicle抯 cargo be stolen or damaged en route.
In addition, if your company抯 trucks pull trailers owned by someone else, you probably will want to consider what is known as trailer interchange coverage. This type of commercial trucking insurance protects you against losses to those trailers you抮e leasing from another company.
The Federal Government抯 Insurance Minimums
Federal law requires that you carry a minimum of $750,000 in liability insurance and $5,000 in cargo insurance. Industry-wide, the standard is $1 million in liability and $100,000 in cargo insurance. Be advised that you may want to consider the higher amounts because in the instance where the cost of theft, accident damage or other incidents is higher than your commercial trucking insurance, you more than likely will be required to pay the difference between the insurance coverage and the actual damage amount.
Not having adequate commercial trucking insurance could bankrupt you should your trucks and drivers be in harm抯 way. Insurance can help you, your drivers and your customers, rest easy as you all know your trucks and cargo are covered in case of tragedy.
Commercial Small Business Loans_39049
People, who do business on small scale, often are at the mercy of lenders in availing much required finance. Lenders see offering loan to these business persons as risky. This is because small scale businesses are generally labeled as unstable. These people can take resort in commercial small business loan that is designed to provide hassle free funds at better terms and conditions. Small scale business operators can utilize commercial small business loan for starting or expending business, buying equipments, purchasing raw material, adding new technology or even clearing debts and improving credibility.
Like any other loan, commercial small business loan is provided under secured and unsecured options. To take secured commercial small business loan, business persons are required to place any of their business property like plant, machinery or equipment as collateral with the lender. Once the loan is fully secured, commercial small business loan seekers are in commanding position in deciding over the loan deal. Lenders may consider revising downward the interest rate which matters the most for small scale businesses.
Secured commercial small business loan has this added advantage for the borrowers that they can avail desired loan amount depending upon value of the collateral, though usually lenders do not provide greater loan to small businesses. Interest rate on commercial small business loan is normally higher because of the risk involved, but again if the lender is satisfied with collateral and credentials of the business person, the loan comes at lower interest rate in its secured form.
Commercial small business loan is equally available in its unsecured form to business people who do not wish to offer collateral for various reasons including fear of its repossession. Such borrowers should have sound repayment capacity and good credit score. On FICO scale of 300 to 850, credit score of 720 and above is considered as safe for loan offer. This enables in getting better terms and conditions. In case of bad credit which is indicated by score of 580 or below, the loan is still available but at harder conditions.
While searching for commercial small business loan, prefer applying online. There are number of lenders who have showcased their loan products online and when you file a simple application you get numerous loan packages with different interest rates and terms-conditions. Settle for the loan package that suits your budget. Online lenders charge no fee on application processing or providing information and therefore cost of availing loan gets reduced.
Commercial small business loan enables business persons meet necessary financial requirement. Available in both secured and unsecured options, the loan, if taken after lot of thought, goes long way in prospering of business. Ensure that monthly installments are cleared in time so that any debt burden is avoided.
Like any other loan, commercial small business loan is provided under secured and unsecured options. To take secured commercial small business loan, business persons are required to place any of their business property like plant, machinery or equipment as collateral with the lender. Once the loan is fully secured, commercial small business loan seekers are in commanding position in deciding over the loan deal. Lenders may consider revising downward the interest rate which matters the most for small scale businesses.
Secured commercial small business loan has this added advantage for the borrowers that they can avail desired loan amount depending upon value of the collateral, though usually lenders do not provide greater loan to small businesses. Interest rate on commercial small business loan is normally higher because of the risk involved, but again if the lender is satisfied with collateral and credentials of the business person, the loan comes at lower interest rate in its secured form.
Commercial small business loan is equally available in its unsecured form to business people who do not wish to offer collateral for various reasons including fear of its repossession. Such borrowers should have sound repayment capacity and good credit score. On FICO scale of 300 to 850, credit score of 720 and above is considered as safe for loan offer. This enables in getting better terms and conditions. In case of bad credit which is indicated by score of 580 or below, the loan is still available but at harder conditions.
While searching for commercial small business loan, prefer applying online. There are number of lenders who have showcased their loan products online and when you file a simple application you get numerous loan packages with different interest rates and terms-conditions. Settle for the loan package that suits your budget. Online lenders charge no fee on application processing or providing information and therefore cost of availing loan gets reduced.
Commercial small business loan enables business persons meet necessary financial requirement. Available in both secured and unsecured options, the loan, if taken after lot of thought, goes long way in prospering of business. Ensure that monthly installments are cleared in time so that any debt burden is avoided.
Commercial Mortgage Broker Commission Split. There Has To Be A Better Way._55994
Let me paint you a picture of the perfect world. A world in which you'd have all the clients you could ever want. You'd be able to pick and choose the clients you'd work with. You don't have to work on every loan deal that comes along just to make a buck. In this world, every loan closes, your client is happy, and you take home 100% of the commission. Did I mention they give you a referral the very next week! Don't we wish it worked this way?
In reality, you work hard for every loan deal, and they are far from perfect. Then there's the issue of who gets paid what out of your commission. Usually you lose money every day because of commission split, so you must charge your clients more to make up the difference. The higher fees offset the experience and knowledge a broker brings to the deal and that makes it less beneficial for a borrower to use a broker.
While there is no true "industry standard" for how commissions are split, what we know is that it is industry standard to split commission. The split may be 25%, 30%, 50%, or more. Maybe it's a point here or a point there. The split may be with the lender, a referral agent, a brokerage house, or a number of others. When it comes right down to it, the split costs you money and therefore costs your client money. There must be a way to provide the best service with the best loan product and charge the client a reasonable fee.
What does it look like when someone takes a percentage of your commission? Most brokers know it all too well, but take a look at the table below for a look at the hard dollars lost from a potential commission split. In this example, the loan value is $1,000,000, the commission is 3%, and the split is 50%.
LOAN VALUE- $1,000,000.00
ORIGINATION POINTS (3%)-$30,000.00
SPLIT (50%)-$15,000.00
BROKER COMMISSION-$15,000.00
HARD DOLLARS LOST-$15,000.00
If you didn't have to split your commission you would have the opportunity to charge a little less commission and still make more money. That would result in a happy client and happy clients give referrals and I don't have to tell you that referrals mean more money. On top of that, if we make it cost effective, that client may just come back to you for the refinancing and for the loan on their next property. Sounds like a win-win for everyone.
The question is why do we split commissions? You remember the guy in high school who didn't participate in group projects and still got the A? How did it make you feel for someone to do none of the work and still get the credit? Commission split is the same thing. Trust me the people you are splitting commissions with make a lot more money from other sources. Your commission may be your only source of income. It's how you feed your family and put gas in your car. If you do the work, you should get the reward. I remember my years waiting tables and bartending. I would split my tips with the bus boy, but at least he cleaned the tables. What are you paying for when you split commission: referrals, overhead expenses, marketing? I don't know about you, but I already split my paycheck with someone and they take a big enough piece of the pie. That is good ole Uncle Sam. The difference is that he provides a service called freedom and the American Way of Life.
Examine your business and determine how much of your earnings you're sharing with others. What can you do this year retain more of your commissions? If we can minimize or eliminate the need to split commissions we can better serve our clients without being forced to charge a high commission. The next time you have to give away your hard earned dollars to a commission split, ask yourself what you are getting for the money and how much more you have to charge your client just to make an honest dollar. Being a broker is about serving clients and providing solutions for fair compensation. Without them I would be back waiting tables.
In reality, you work hard for every loan deal, and they are far from perfect. Then there's the issue of who gets paid what out of your commission. Usually you lose money every day because of commission split, so you must charge your clients more to make up the difference. The higher fees offset the experience and knowledge a broker brings to the deal and that makes it less beneficial for a borrower to use a broker.
While there is no true "industry standard" for how commissions are split, what we know is that it is industry standard to split commission. The split may be 25%, 30%, 50%, or more. Maybe it's a point here or a point there. The split may be with the lender, a referral agent, a brokerage house, or a number of others. When it comes right down to it, the split costs you money and therefore costs your client money. There must be a way to provide the best service with the best loan product and charge the client a reasonable fee.
What does it look like when someone takes a percentage of your commission? Most brokers know it all too well, but take a look at the table below for a look at the hard dollars lost from a potential commission split. In this example, the loan value is $1,000,000, the commission is 3%, and the split is 50%.
LOAN VALUE- $1,000,000.00
ORIGINATION POINTS (3%)-$30,000.00
SPLIT (50%)-$15,000.00
BROKER COMMISSION-$15,000.00
HARD DOLLARS LOST-$15,000.00
If you didn't have to split your commission you would have the opportunity to charge a little less commission and still make more money. That would result in a happy client and happy clients give referrals and I don't have to tell you that referrals mean more money. On top of that, if we make it cost effective, that client may just come back to you for the refinancing and for the loan on their next property. Sounds like a win-win for everyone.
The question is why do we split commissions? You remember the guy in high school who didn't participate in group projects and still got the A? How did it make you feel for someone to do none of the work and still get the credit? Commission split is the same thing. Trust me the people you are splitting commissions with make a lot more money from other sources. Your commission may be your only source of income. It's how you feed your family and put gas in your car. If you do the work, you should get the reward. I remember my years waiting tables and bartending. I would split my tips with the bus boy, but at least he cleaned the tables. What are you paying for when you split commission: referrals, overhead expenses, marketing? I don't know about you, but I already split my paycheck with someone and they take a big enough piece of the pie. That is good ole Uncle Sam. The difference is that he provides a service called freedom and the American Way of Life.
Examine your business and determine how much of your earnings you're sharing with others. What can you do this year retain more of your commissions? If we can minimize or eliminate the need to split commissions we can better serve our clients without being forced to charge a high commission. The next time you have to give away your hard earned dollars to a commission split, ask yourself what you are getting for the money and how much more you have to charge your client just to make an honest dollar. Being a broker is about serving clients and providing solutions for fair compensation. Without them I would be back waiting tables.
Colorado Foreclosure Listings Take Potential Buyers To Available Homes_52358
Colorado currently tops lists of states with the highest foreclosure rates in the US. In 2006 alone,black uggs, the state's foreclosure rate was three times more than the national rate. This is an added feature to the many firsts of Colorado: it was home to the first ever rodeo in the world; it was the first US state to allow election of women to state government; and lastly,replica hermes handbags, it was the first area where Rocky Mountain Oysters, a delicacy, was popularized.
Because there are just too many foreclosed homes up for sale,coach poppy bags, there are also many Colorado foreclosure listings available in the market. In fact, such lists are considered essential guides for homebuyers and home investors who aim to snap up foreclosed homes in across the state at very cheap prices. For quite some time, or since the housing industry downturn, purchase transactions for foreclosed homes in the state have dominated home sales. Colorado foreclosure listings have logically become sought-after online lists and materials.
The foreclosure market in the state favors sellers. The number of homebuyers and investors who want to buy foreclosed homes is just more than the number of available foreclosures. No wonder, Colorado foreclosure listings are just as in-demand.
Other factors make foreclosed homes market in the state more favorable than in other states. First,cheap hermes birkin, many foreclosed homes are having high market valuation but low price tags. Second, many mortgage lenders and commercial banks do not want to be real estate owners, so that repossessed homes in their portfolios are disposed of right away at low prices. Lastly, the foreclosure market in the state has never been regulated by any legal system. Take advantage of the situation and find foreclosures currently available at Colorado listings for such homes.
Because there are just too many foreclosed homes up for sale,coach poppy bags, there are also many Colorado foreclosure listings available in the market. In fact, such lists are considered essential guides for homebuyers and home investors who aim to snap up foreclosed homes in across the state at very cheap prices. For quite some time, or since the housing industry downturn, purchase transactions for foreclosed homes in the state have dominated home sales. Colorado foreclosure listings have logically become sought-after online lists and materials.
The foreclosure market in the state favors sellers. The number of homebuyers and investors who want to buy foreclosed homes is just more than the number of available foreclosures. No wonder, Colorado foreclosure listings are just as in-demand.
Other factors make foreclosed homes market in the state more favorable than in other states. First,cheap hermes birkin, many foreclosed homes are having high market valuation but low price tags. Second, many mortgage lenders and commercial banks do not want to be real estate owners, so that repossessed homes in their portfolios are disposed of right away at low prices. Lastly, the foreclosure market in the state has never been regulated by any legal system. Take advantage of the situation and find foreclosures currently available at Colorado listings for such homes.
Thursday, February 9, 2012
- Mother Teresa Strong Quotes
How wonderful it is that nobody need wait a single moment before starting to improve the world.
- Anne Frank
When you cease to make a contribution, you begin to die.
- Eleanor Roosevelt
We tell the real truth of our life by the stories we repeatedly tell. Dare to dream of your great success. Become intimate with those things which deeply motivate you and regularly work toward the realization of that mission.
- Mary Anne Radmacher
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You must do the things you think you cannot do.
- Eleanor Roosevelt
Remember always that you not only have the right to be an individual, you have an obligation to be one.
- Eleanor Roosevelt
Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.
- Marie Curie
If we have no peace, it is because we have forgotten that we belong to each other.
- Mother Teresa
- Louisa May Alcott
A woman is like a tea bag - you can't tell how strong she is until you put her in hot water.
- Eleanor Roosevelt
Well-behaved women seldom make history.
- Laurel Thatcher Ulrich
- Anne Frank
When you cease to make a contribution, you begin to die.
- Eleanor Roosevelt
We tell the real truth of our life by the stories we repeatedly tell. Dare to dream of your great success. Become intimate with those things which deeply motivate you and regularly work toward the realization of that mission.
- Mary Anne Radmacher
cheap hermes birkin bags
hermes outlet
hermes shop
You must do the things you think you cannot do.
- Eleanor Roosevelt
Remember always that you not only have the right to be an individual, you have an obligation to be one.
- Eleanor Roosevelt
Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.
- Marie Curie
If we have no peace, it is because we have forgotten that we belong to each other.
- Mother Teresa
Strong Quotes
He who believes is strong; he who doubts is weak. Strong convictions precede great actions.- Louisa May Alcott
A woman is like a tea bag - you can't tell how strong she is until you put her in hot water.
- Eleanor Roosevelt
Well-behaved women seldom make history.
- Laurel Thatcher Ulrich
Monday, February 6, 2012
CALM IN CHAOS
True love doesn't have a happy ending, because true love never ends.
Letting go is one way of saying I love you.
- Anonymous
Letting go is one way of saying I love you.
- Anonymous
Love me when I least deserve it, because that is when I really need it.
- Swedish Proverb
- Swedish Proverb
The magic words for a great relationship are, "I love you just the way you are."
- Jonathan Lockwood Huie
- Jonathan Lockwood Huie
Grow old along with me, the best is yet to be.
- Robert Browning
- Robert Browning
God grant me the serenity
To accept the things I cannot change;
Courage to change the things I can;
And wisdom to know the difference.
- Reinhold Niebuhr
To accept the things I cannot change;
Courage to change the things I can;
And wisdom to know the difference.
- Reinhold Niebuhr
Anything will give up its secrets if you love it enough. Not only have I found that when I talk to the little flower or to the little peanut they will give up their secrets, but I have found that when I silently commune with people they give up their secrets also - if you love them enough.
- George Washington Carver
- George Washington Carver
Forgive yourself for your faults and your mistakes and move on.
- Les Brown
- Les Brown
CALM IN CHAOS
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In the midst of the flurry - clarity.
In the midst of the storm - calm.hermes kelly bags
In the midst of divided interests - certainty.
In the many roads - a certain choice.
- Mary Anne Radmacher
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In the midst of the flurry - clarity.
In the midst of the storm - calm.hermes kelly bags
In the midst of divided interests - certainty.
In the many roads - a certain choice.
- Mary Anne Radmacher
- Albert Einstein
You are never too old to set another goal or to dream a new dream.
- C. S. Lewis
- C. S. Lewis
Being defeated is often a temporary condition. Giving up is what makes it permanent.
- Marilyn vos Savant
- Marilyn vos Savant
To go against the dominant thinking of your friends, of most of the people you see every day, is perhaps the most difficult act of heroism you can perform.
- Theodore H. White
- Theodore H. White
Security is mostly a superstition.
It does not exist in nature, nor do the children of men as a whole experience it.
Avoiding danger is no safer in the long run than outright exposure.
Life is either a daring adventure, or nothing.
- Helen Keller
It does not exist in nature, nor do the children of men as a whole experience it.
Avoiding danger is no safer in the long run than outright exposure.
Life is either a daring adventure, or nothing.
- Helen Keller
Every wall is a door.
- Ralph Waldo Emerson
- Ralph Waldo Emerson
The greater the obstacle, the more glory in overcoming it.
- Moliere
- Moliere
There are only two ways to live your life.
One is as though nothing is a miracle.
The other is as though everything is a miracle.
- Albert Einstein
One is as though nothing is a miracle.
The other is as though everything is a miracle.
- Albert Einstein
Success is to be measured not so much by the position that one has reached in life as by the obstacles which he has overcome.
- Booker T. Washington
- Booker T. Washington
Optimism is the faith that leads to achievement.
Nothing can be done without hope and confidence.
- Helen Keller
Nothing can be done without hope and confidence.
- Helen Keller
In this world it is not what we take up, but what we give up, that makes us rich.
- Henry Ward Beecher
- Henry Ward Beecher
It is never too late to be what you might have been.
- George Eliot [George Eliot was the pen name of English novelist Mary Anne Evans (1819-1880)]
- George Eliot [George Eliot was the pen name of English novelist Mary Anne Evans (1819-1880)]
Live with intention
Every adversity, every failure, and every heartache,
carries with it the seed of an equivalent or greater benefit.
- Napoleon Hill
carries with it the seed of an equivalent or greater benefit.
- Napoleon Hill
Life must be lived and curiosity kept alive.
One must never, for whatever reason, turn his back on life.
- Eleanor Roosevelt
One must never, for whatever reason, turn his back on life.
- Eleanor Roosevelt
Winners Never Quit, and Quitters Never Win.
- Vince Lombardi
- Vince Lombardi
Anyone who stops learning is old, whether at twenty or eighty.
- Henry Ford
- Henry Ford
The greatest glory in living lies not in never falling,
but in rising every time we fall.
- Nelson Mandela
but in rising every time we fall.
- Nelson Mandela
One who gains strength by overcoming obstacles
possesses the only strength which can overcome adversity.
- Albert Schweitzer
possesses the only strength which can overcome adversity.
- Albert Schweitzer
We don't stop playing because we grow old;
we grow old because we stop playing.
- George Bernard Shaw
we grow old because we stop playing.
- George Bernard Shaw
The snow goose need not bathe to make itself white.
Neither need you do anything but be yourself.
- Lao Tzu
Neither need you do anything but be yourself.
- Lao Tzu
Live with intention.
Walk to the edge.
Listen hard.
Practice wellness.
Play with abandon.
Laugh.
Choose with no regret.
Appreciate your friends.
Continue to learn.
Do what you love.
Live as if this is all there is.
- Mary Anne Radmacher
Walk to the edge.
Listen hard.
Practice wellness.
Play with abandon.
Laugh.
Choose with no regret.
Appreciate your friends.
Continue to learn.
Do what you love.
Live as if this is all there is.
- Mary Anne Radmacher
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