Thank you for your kind welcome and a Happy Holiday to All. First, I am "assisting" my husband with his cash flow business. In addition to helping him with his business, I am a Speech Language Pathologist consultant (for over 30 years). Our business gets referrals from contacts in the area that we reside as well from contacts that my husband (John) has made from different organizations that he belongs to locally as well as from different parts of the country. He has been involved in this business for about 5 years (since he was layed off from a major company that he worked for for over 30 years). Essentially, we have established relationships with a variety of funding sources that provide funding for a variety of both domestic and international funding projects. These include requests such as commercial loans, JV, equity, asset based, bridge loans, etc. Even though we focus on a variety of funding requests, we seem to focus on funding projects related to commercial properties such as hotels, resorts, casinos and other types. In addition, he has become recently involved with offering a great mortgage program to pay off your mortgage early. His knowledge with the real estate business continues to grow as he becomes more involved with the variety of real estate businesses that request funding. He also belongs to a variety of real estate groups, has networked with real estate brokers and has attended a number of web seminars to enhance his knowledge of various aspects of the real estate world.