You MUST Try Temecula's Very Own 'Nimble Nectar' the Next Time You Have a Cocktail!!

Congratulations to my friends (and clients) Jason & Julie Joe, owners of Sunset Cocktails, AKA, 'Nimble Nectar.'

If you haven't heard of Nimble Nectar before, it's a locally owned company that produces THE BEST organic cocktail mixers.

Jason & Julie are very talented and passionate entrepreneurs and it shows in the quality of their products and the great success they've had as they 'roll-out' their exquisite products nationwide.

I was fortunate to be able to introduce them to my good friend (and Client) John Sparkenbach, an executive with Ralph's Supermarket.

They no doubt would have landed on the shelves of Ralph's all on their own because Nimble Nectar is so, so darn good. All I did was help speed-up the process a little bit.

Again, Congrats to Jason & Julie and their entire team.

You can check out their company website and Facebook page below.

https://nimblenectar.com/home

https://www.facebook.com/NimbleNectar/

Now, can I help you in any way?

Real Estate is my game and I save my Temecula Valley clients Thousand$ in commissions while selling their properties for Top Dollar.

Or maybe you just need some advice or a tried and trusted referral for something else? My clients accuse me of being a human Yelp.com library of information. And if I can't help you with what you need, I bet I know the person who can.

Give me a call if I can help you in any way.

On Your Team,

Ken

951-760-3833

KenAHall@gmail.com

www.KenHallProperties.com

Temecula Valley Real Estate Specialist

BRE 01418440

TEMECULA: TOP 10 CALIFORNIA CITY!!

Good news, Temecula families! You're living in a great place when it comes to raising your kiddos, according to a new study by NerdWallet.

The personal-finance website examined a total of 334 locations across California to compile a list of the best places for young families in the Golden State.

Temecula came in at number 10 on the final ranking.

According to NerdWallet, The top 10 California cities for young families are:

* San Ramon

* Cupertino

* Folsom

* Beaumont

* Rancho Santa Margarita

* El Dorado Hills

* Fremont

* Aliso Viejo

* Dublin

* TEMECULA

As for Temecula in particular, the company says this of their no. 10 choice:

The southernmost city in the top 10, Temecula has nearly doubled in population since 2000 to about 107,000 people. The city is among the more affordable in the top 10, with a median home value that puts it at 194th out of 334 places and selected monthly owner costs that rank at 160th.

It also scores well on family-friendliness metrics, ranking 22nd for percentage of households consisting of married-couple families with at least one child younger than 18 (33.2%) and tied for 200th with 9.6% of families with a child under 5 living in poverty.

*******

Give me a call if I can help you in any way.

On Your Team,

Ken

951-760-3833

KenAHall@gmail.com

www.KenHallProperties.com

Temecula Valley Real Estate Specialist

BRE 01418440

NEW HOME SALES ARE SOARING!

I've been saying it for a long time … most recently here … 

https://www.linkedin.com/pulse/real-estate-boom-nowhere-near-done-yet-ken-hall/

"U.S. New Home Sales Soar to Highest Level in a Decade," USA Today reported last week. 

"New Homes Sales Growth Surges to 25-Year High," the Wall Street Journal said. 

So which is it? Are new-home sales the highest they've been in a decade... or in 25 years? 

It turns out, the answer is BOTH... 

The number of new homes sold last month reached 667,000 – the highest level since October 2007, a decade ago, during the last housing boom. 

Looked at another way, though, new-home sales jumped by 18.9% – the highest monthly sales growth in 25 years. 

Why did so many new homes sell last month? The hurricanes likely played a part. 

But to me, the big factor in the housing market is the low supply of existing homes for sale. 

It's Economics 101 – when you have no supply and a ton of demand, prices go higher. 

Specifically, housing supply is measured in months – that is, how long it will take for the existing inventory of houses to sell at the existing rate of sales. Right now, we're sitting at 4.2 months of supply. 

It is rarely lower than this... In fact, over the last 20 years, it was significantly lower only once – in early 2005. That was during the final years of the last great housing boom in the U.S... And house prices REALLY soared after that. 

I expect the low supply today will create a similar effect – dramatically higher home prices. 

The average sale price of new homes hit an all-time record last month, at $385,200. The median price for new homes was $319,700. 

Keep in mind, new homes are only a fraction of the housing market. And the average home price is always higher than the median home price... For comparison, the median price of existing homes sold last month was $246,800. 

But with scarce supply, that means we have plenty of upside ahead. 

Higher house prices have been part of my big theme for the last two years... Since then, I have said: 

Interest rates will stay lower than you can imagine, for longer than you can imagine... And that will push asset prices, like stocks and real estate, higher than you can imagine.

The "Melt Up" is arriving in stocks, driving stock prices to new heights as the bull market enters its final phase. And now, the boom time is arriving in the housing market, too... 

Trust me on this:  Barring a 'Black Swan' event, the real estate market will stay strong for years to come.

Give me a call if I can help you in any way.


On Your Team,

Ken

951-760-3833

KenAHall@gmail.com

www.KenHallProperties.com

Temecula Valley Real Estate Specialist



BRE 01418440

OVER $5,000 IN COMMISSION SAVINGS ... AND HOME SOLD FOR $26,000 OVER LIST PRICE ... ANOTHER HAPPY CLIENT!

My Client, Dan Devine, saved over $5,000 in commission fees AND I sold his Temecula (Redhawk) property for $26,000 ABOVE List Price ... setting a new all-time high for Redhawk properties in a 200-home radius of his property.

Oh, I also represented Dan in purchasing his replacement property in Carlsbad ... negotiated hard and acquired his new property for $40,000 UNDER asking price.

Dan's pretty happy :) Here's what he had to say ...

*******

Ken did an OUTSTANDING job for me in both the sale of my home in Temecula (Redhawk Community) as well as the purchase of my new property in Carlsbad.

Selling and buying at the same time is a very daunting task, but Ken was there every step of the way with me and made the entire process go smoothly and as stress-free as possible. 

Not only that, Ken was able to maneuver both of my escrows in order to get both of them to close one week early which was desirable for all parties.

My Temecula house was on the market only 4 days until the offers started pouring in. He and Dillon held an open house over that first weekend and they had over 70 people through to view the house. Ken's marketing and pre-marketing work were phenomenal and really created buzz and excitement for the open house.

The house was listed on a Thursday, and the professional photography and videography showed the house in a phenomenal way on all of the listing sites. He built up anticipation by waiting for the first Saturday to offer any showings. The house was full with almost no breaks in-between traffic on both Saturday and Sunday’s open house.

On Monday, we had multiple offers to review, then Ken went back to the buyers asking for 'highest and best' and waiving of the appraisal contingency.

Ultimately, we ended up accepting an offer for $26,000 above the asking price, and yes, the buyer waived the appraisal contingency!

Ken's the best negotiator and real estate agent I've ever dealt with. He really knows his stuff, and he knows the market very well. I am confident in saying to put your trust in him and he will deliver over and above your expectations. 

Ken always answered his phone and returned texts promptly, and he always had an answer to any question or concern that I had.

I hope I will not have to sell and buy a home anytime in the near future, but if I do, Ken will be there with me every step of the way!

Dan Devine

**********

Would you like to sell your home for TOP DOLLAR? And Save Thousand$ in Commissions?

Give me a call!


On Your Team,

Ken

951-760-3833
KenAHall@gmail.com
www.KenHallProperties.com

*********

How To Make A Financial Killing From Today's Low Housing Inventory

My last article made the case for why, 'The Real Estate Boom Is Nowhere Near Done Yet.'  If you missed it, you can see it here …

 https://www.linkedin.com/feed/update/urn:li:activity:6317772816196476928/

Today I'm going to reveal, 'How To Make A Financial Killing From Today's Low Housing Inventory.'

Warren Buffett, Sir John Templeton and Jim Rogers are three of the most successful investors of all time.  They all came from modest beginnings and they all became billionaires because they bought stocks when everyone else was afraid to.

You may have heard some of the axioms that are in line with their investing philosophy:

• 'Buy when there's blood in the streets.'
• 'Buy when a stock (company) is cheap and hated.'
• 'Be greedy when others are fearful and be fearful when others are greedy.'

Some believe the real estate boom of the last few years is getting a little 'long-in-tooth.'  But I'm here to tell you the biggest gains (PROFITS) are still to come.

So I present to you:  

How To Make A Financial Killing From Today's Low Housing Inventory

The answer is:

HOME BUILDER STOCKS

The housing market is booming.  But there's no supply.  There's no inventory. This means the boom will continue.

And again, if you think I'm crazy, check this out before passing judgement:

https://www.linkedin.com/feed/update/urn:li:activity:6317772816196476928/

What we have is the perfect setup for homebuilder stocks to skyrocket over the next two-plus years.
It's a trade with incredible upside potential, based on history.  In short, when the home building sector gets going, hundreds-of-percent gains are possible. 

GET THIS:  The biggest home builder stocks rallied 419%... 2,631%... and 776% during the last three big bull markets.  And the uptrend is getting started again TODAY.

It's as obvious as it gets. And incredibly, nobody is in on it – yet.  But you can take advantage of it by getting in on the ground floor right now by buying the iShares U.S. Home Construction Fund (ITB).

In 2013, the iShares U.S. Home Construction Fund (ITB), the main homebuilders exchange-traded fund (ETF), had over 100 million shares outstanding. Today, that number is less than half of that – below 50 million shares outstanding.

ETFs like this one can create and liquidate shares based on demand. So a falling share count tells me that no one is in this trade.  No one is buying home builders.  Yet.

See for yourself:

There is real value in these companies right now. After years of a housing boom, you'd expect home builders to be expensive.  But they aren't.

ITB's top five holdings are the five major home builders in the U.S. (DR Horton, Lennar, NVR, Pulte, and Toll Brothers).  They make up 43% of the fund. Surprisingly, these companies are trading at a big discount to the overall U.S. market. Take a look...

And the latest data shows home prices rose again in July as the supply and demand imbalance continues. 

Home prices in 20 U.S. cities climbed more than forecast in July, reflecting solid demand against a backdrop of modest listings of properties, figures from S&P CoreLogic Case-Shiller showed Tuesday.

Buyers are competing for a limited number of for-sale homes, allowing sellers to boost asking prices … (NOTE:  My last listing in Temecula's Redhawk Community closed two weeks ago for $26,000 over list price).

Home prices may also get a boost in coming months after hurricanes Harvey and Irma reduced housing supply in parts of Texas and Florida and will thus, create greater demand for home building materials.

So we have a sector that is completely ignored by investors... is cheaper than most stocks right now... and has a history of massive booms. This is perfect.

Watch the share prices of the home builders and the share price of the home builders exchange-traded fund (ITB) over the next two-plus years.

Don't miss out on the fun and profits.  I'm convinced triple-digit gains are less than a couple years away.

Give me a call if I can help you in any way.

On Your Team,

Ken
951-760-3833
KenAHall@gmail.com
www.KenHallProperties.com


BRE 01418440

My Thesis On Rising Home Prices Continues To Be Validated

If you've been following my blog or Facebook page (https://www.facebook.com/TemeculaRealEstateandProperties/) you know I've been very bullish on housing.

It's Economics 101: Demand is rising and supply can't keep up. That's sending home prices higher.

New data on the housing market show that supply continues to tighten as housing prices are still on the rise.

The Case-Shiller Index – a measure of single-family homes across 20 of the country's largest cities – jumped 5.7% in June.

And as David Blitzer, managing director and chairman at S&P Dow Jones Indices told housing news outlet HousingWire, rising home prices don't appear to be slowing anytime soon.

The trend of increasing home prices is continuing. Price increases are supported by a tight housing market.

I agree.

Of course, as prices increase, homes become less affordable.

But today's housing market is far healthier than during the previous bubble in 2006, which was fueled by a glut of subprime lending that was destined to blow up.

Not so this time around.  

All mortgages written since the financial crisis are what's called 'Full-Doc Loans' meaning, full income verification based on the verified annual tax returns of borrowers.

Hope you have a great weekend and please call me if I can help you with anything at all.

Ken

951-760-3833
KenAHall@gmail.com

I'm Not Always Right But I Sure Do Love It When I Am!

My month's long prediction for still lower mortgage rates is continuing to be proven correct!  3.78%!  A new low for the year!!

I LOVE IT WHEN A PLAN COMES TOGETHER!

45292 Corte Progreso, Temecula 

List price: $479,000

Sold price:

* $505,000. NO APPRAISAL CONTINGENCY *

$26,000 ABOVE LIST PRICE!

Here's what we did:

• We knocked it out of the park with our marketing
• We created buzz prior to making the home available to show
• We put on an epic Open House
• We created multiple offers
• We created a bidding war
• We negotiated hard, squeezing the competing buyers for every last dollar
• And we got THE ONE buyer who would not be denied to step up and grab the brass ring for $505,000 ... plus waiving the Appraisal Contingency.

My Seller, Mr. Daniel Devine, is a Very Happy Client!

Would you like to sell your home for TOP DOLLAR?

Give me a call!


On Your Team,

Ken
951-760-3833
KenAHall@gmail.com


BRE 01418440

Quote I'm Pondering ...

Quote I'm Pondering:

“You will fall. And when you fall, the winner always gets up, and the loser stays down.” 

-Arnold Schwarzenegger

THE REAL ESTATE BOOM IS NOWHERE NEAR DONE YET

I know what you're thinking... "The housing market has already been booming for a while now. How much longer can it go on?"

A lot longer.

The reason is simple: There's no supply of houses. (It's hard to believe... but it's true.)

With no supply, and a ton of demand, home prices can only go one way – up.

Let me show you how much supply is lagging even after a few years of this boom.

Total housing inventory has fallen year-over-year for 24 straight months, according to the National Association of Realtors.

Let's take a closer look at this idea and what it means for us today...

Here's a chart of the housing inventory – existing homes that are currently available for sale in the U.S.

As you can see, inventory hit a record low recently. Take a look...

I want you to notice something else on this chart... Inventory hit a record high in 2007 – at the peak in house prices ... and just before the you-know-what hit the fan.

The last time housing inventory was at a level similar to today's was in 2001. Back then, you wanted to be a BUYER of real estate, not a seller.

In short, you want to bet on house prices going higher when there's no inventory... And you want to bet on house prices going lower when inventory is at record highs.

Now let's quickly look at another number: new homes being built...

You'd think homebuilders would be taking advantage of the lack of inventory. You'd think they'd be building a ton of homes. But that's not quite what's happening yet...

After the big housing bust, builders stopped building homes. It has been nearly a decade, and the rate of building is still "below trend." Take a look...

Housing starts have increased dramatically from the bottom... But they're still below average. Building hasn't caught up with demand yet. And that has kept supply low.

Today, we have a small number of homes being built, and a record low inventory of homes for sale.

Based on that, I believe home prices will continue to rise.

Could something unforeseen happen that blows-up my thesis? Of course!

The brilliant Nassim Nicholas Taleb wrote a book titled, "The Black Swan: The Impact of the Highly Improbable" where he talks about just that, an unforeseen event (think 9/11) that completely disrupts the current world environment.

But there's no way anyone can really anticipate something like that with any degree of accuracy so ... as a (hopefully) rational human being, I'm putting my money on HISTORY and TRENDS based on HARD DATA.

And so ... I believe home prices will continue to rise.

Give me a call if I can help you in any way.

On Your Team,

Ken

951-760-3833

KenAHall@gmail.com

BRE 01418440

Quote I'm Pondering . . .

“The fact that an opinion has been widely held is no evidence whatever that it is not utterly absurd.”

Bertrand Russell

Happy Father's Day

To All Dad's:  Hoping you had a wonderful Father's Day!

“I believe that what we become depends on what our fathers teach us at odd moments, when they aren’t trying to teach us. We are formed by little scraps of wisdom.” 

Umberto Eco, Author/Philosopher

Quote I'm Pondering ...

“If you can give your child only one gift, let it be enthusiasm.”

Bruce Barton

CONGRATULATIONS AUSTIN!!!!

Congratulations to my middle-son, Austin Hall.  Going into his Senior year in high school this coming year, Austin has been elected President of ASB (Student Body President).  Austin will be a Senior at Rancho Christian School.

Congratulations, Buddy.  Very proud of you!

*************

MAKING EXTRA MORTGAGE PAYMENTS CAN “MAKE YOU RICH!!”

Do you want to pay off your mortgage sooner? Whether you've bought a home recently or you've been paying your mortgage for a while, making extra mortgage payments is a smart way to save money over the long term.

Your motivation for making as many payments within your spending limits as possible is knowing you'll be able to pay off your mortgage faster and bask in your return on investment sooner. In addition to taking years of interest off your loan, you'll also end up making fewer payments at lower prices over time.



How to Make Extra Mortgage Payments



Write down your mortgage value, your interest rate and the number of years you have to pay your loan; once you see the savings you'll make in the next few decades with these three tips, you'll want to start making extra mortgage payments today.

Add a Small Dollar Amount Each Month. Commit to adding a small amount of money like $10 or $25 (OR HOPEFULLY MORE!) to your mortgage payment every month. You won't notice the difference, and you'll also decrease the number of months you spend paying your mortgage while saving money in the long run.

Make Lump-sum Payments Sooner Rather Than Later. Carry out larger, extra mortgage payments in the first few years of your mortgage term to pay more now and save a lot in the long term. You'll make an immense dent in the overall amount you contribute to your loan and avoid paying many tens of thousands of dollars in interest.

Because making one or more extra mortgage payments per year can help tremendously, keep these examples and tips in mind as you review your budget, set your goals and start saving.

Cutting back on spending and putting effort into these additional payments will be worth it once you've finished paying off your mortgage and saved thousands of dollars along the way.

I HAVE AN AWESOME (AND VERY SIMPLE) SPREADSHEET I CAN EMAIL YOU THAT WILL ALLOW YOU TO TRACK YOUR PROGRESS. I PROMISE IT WILL BA A REAL EYE-OPENER!!

Hope you have a great weekend and please call me if I can help you with anything at all.

Ken

951-760-3833

KenAHall@gmail.com

BRE 01418440

P.S. Shoot me an email now before you forget and I'll send you the 'Interest Savings Tracking Spreadsheet.'

****************

Time to Take a Victory Lap!

***************

My months-long ongoing thesis of falling mortgage interest rates is coming true!  

The yield on the 10-year note has broken through support and now rests at a year-to-date low of 2.26%.  

As the 10-year correlates strongly with mortgage rates, I'm happy to report Mortgage rates are also at their lowest all year!

Give me a call if I can help you with anything at all.

Ken
951-760-3833

KenAHall@gmail.com

******************

LOWER MORTGAGE INTEREST RATES MAY BE JUST DAYS AWAY!

****************

This coming Friday, April 7th could quite possibly be 'D-Day' for the next leg down for Mortgage Interest Rates.

I don't want to get all technical but in basic terms ... here's the skinny:

Check out this chart and focus on the straight horizontal green line that shows what is called a 'support level' for the 10-Yr Treasury Bond.

Right now it's at about 2.31 and as you can see, the previous four times it touched that level it bounced right off of it and went back up quickly.

The 'Jobs Report' will be released this Friday. If it disappoints (I think it might), then we could likely see this 'support level' give way ... and if that happens ... we could see mortgage interest rates drop below 4% in a matter of days.

We shall See. Stay tuned!!

Give me a call if I can help you in any way.

Ken
951-760-3833

**************************

Am I Crazy for Staying With My Thesis On Even Lower Interest Rates?

I know it's hard to imagine that interest rates could go down. I talk to clients every day who are – based on the news – getting nervous about interest rates going up before they're able to buy a property.

Every Realtor I know is practically brow-beating their prospective home buyer clients to, “HURRY, HURRY, HURRY! YOU NEED TO BUY NOW! INTEREST RATES ARE GOING UP.”

The problem is: They really don't understand the true relationship between short-term interest rates and longer-term interest rates!

Here are the facts …

The benchmark interest rate has fallen from 2.64% on March 13… to 2.37%, as I write. (The "benchmark" interest rate is the interest rate on the 10-year U.S. government bond.)

A fall from 2.64% to 2.37% is a MASSIVE decline in a little more than two weeks … So what's going on?

Here's what we're seeing right now …

Bets on higher interest rates have hit an all-time extreme, based on one of my favorite sentiment measures – the Commitment of Traders (COT) report… It shows the real-money bets of futures traders in dozens of markets.

Like most sentiment measures, the COT report tends to be "wrong at the extremes and right in between"… but here's the thing:

Futures traders tend to pile into a trade at the worst possible time.

Recently, the bets on the benchmark 10-year Treasury bond in the futures markets hit never-before-seen levels. Take a look:

Futures traders are bullish… more bullish than they've ever been. That tells me this is a 'crowded trade.' And crowded trades oftentimes experience the opposite result of what everyone is betting on!

So what could this mean for interest rates today? To find out, I looked at what happened at previous record highs.

I found that bets neared this extreme level only once before – in March 2005.

Back then, interest rates on the 10-year Treasury bond dropped from 4.6% to 3.9% in less than three months. Here's what happened…

The Fed was in the middle of raising short-term interest rates from 1% in 2004 to 5.25% in 2006. In 2005, futures traders thought it was easy money to bet on long-term rates going up too. They were wrong!

This is not a long-term prediction on interest rates. It is a short-term prediction. In three or four months from now, I'll look at it again to make my next prediction.

Bottom line is, I wanted to share a great example – historical proof, if you will – of what typically happens when investors are "all in" on one side of a trade… In short, you don't want to join them!

We're seeing a lot of parallels to 2005… Back then, the Fed was in the middle of RAISING short-term interest rates. Meanwhile, long-term interest rates shocked everyone and started falling.

That's exactly what we're seeing today…

Nobody believed long-term interest rates could fall while the Fed was raising interest rates… They didn't believe it in 2005. And they don't believe it now.

As for me?  I BELIEVE!

Give me a call if I can help you with anything at all.

Ken

951-760-3833

KenAHall@gmail.com

Temecula's Unemployment Rate Drops to New Low

**************

More positive economic news for Temecula:  

An uptick in hiring pushed the unemployment rate down in Riverside County last month, state officials report. Locally, Temecula also saw a decrease in its unemployment rate.

The jobless rate in February, based on preliminary estimates, was 5.5 percent, compared to 5.7 percent in January, according to the California Employment Development Department.

State preliminary estimates also show that Temecula's rate dropped, to 3.9 percent, compared to 4.1 percent in January.

Hope you have a great weekend and please call me if I can help you with anything at all.

Ken

951-760-3833

KenAHall@gmail.com

***************

Why U.S. Interest Rates Can Go Even LOWER

*******************

More thoughts on my hypothesis that U.S. interest rates could still go lower ... 

Interest rates in Germany are -0.94% as I write. 

Read that closely – that's a NEGATIVE number – roughly negative 1%. 

Said another way, you will "earn" -0.94% interest per year over two years in Germany today. 

I put "earn" in quotes because you will actually lose that money each year. It's negative interest. By buying two-year government bonds in Germany, you are guaranteeing that you will lose roughly 1% a year in "interest." 

What's going on? 

Lots of things… But it primarily comes down to the basics: supply and demand. 

There is no supply, and there is lots of demand… 

On the demand side, the French are buying German bonds to get money away from the uncertainty around France's presidential election. And the European Central Bank must buy 80 billion euros' worth of German bonds by year-end. There's plenty of demand. 

Meanwhile, the Germans aren't increasing supply to meet this demand… So we have this extreme negative yield. 

It's not just Germany, though… 

In Japan, the two-year government bond "pays" -0.28% interest. Again, "pays" is in quotes because it's a negative interest rate – you are guaranteed to lose money by putting your money away for two years in Japan. 

In the U.S., the story is different… You still earn a positive return on your money (1.16%) if you put it away for two years. 

Here's what you need to know: Outside of the U.S., Japan and Germany are the world's largest developed economies. 

As an investor, you have to make a choice… Here are your basic choices: 

Your goal is to deliver income… and to keep your job. All things being equal, which of these three investments would you choose? 

Given these (basic) choices, you would choose to invest in the U.S. 

Here's the thing, though: A lot of money managers will make this choice this year. 

Money managers choosing to put money into interest-earning U.S. investments creates demand. Demand for interest-earning products in the U.S. will push U.S. interest rates down. 

I'm not talking about ultra-short-term interest rates, like the interest rates that the Federal Reserve sets. I'm talking about interest rates that are set by market forces… which usually means interest rates for two years or longer (like your mortgage). 

Yes, my friend, interest rates in the U.S. are very low… You will earn just 1.16% per year if you put your money away for two years. 

But when you look at the world's other two developed markets, it's clear that U.S. interest rates have plenty of room to fall, as investors flee those countries and seek the higher rates that the U.S. offers. 

Long-term interest rates here in the U.S. are low… But in my opinion, they could surprise everyone and go even lower.

And that means home owners and home buyers may soon have the opportunity to lock in a 30-year fixed rate mortgage below 3%!!!

We are definitely living in bizarre and incredible times!

Give me a call if I can help you in any way.


On Your Team,

Ken
951-760-3833
KenAHall@gmail.com

****************