Saturday, March 31, 2012

Complete Real Estate Internet Marketing For Under $100 | South ...

If you are serious about your real estate business, you are losing business by not spending on real estate internet marketing. Real estate agents and brokers spend big money on real estate internet marketing, and spend masses of dollars more to maintain it each month. Real estate internet marketing can be reasonable - all for only $100 a month.

  • Agent Website - $29.95 to $99.95
    Creation of your real estate agent website is vital to real estate internet marketing. It is the first stop for buyers and sellers. Your agent website can make or break your image. The cost of creating an internet site can be high. You need to choose a real estate internet marketing firm that may provide you with professional, appealing agent website at a fair cost. This can be starting from $29.95 -$80 per month with about a hundred bucks set-up charge.
  • Single Property Website - $14.00 to $79.95
    Attract more interest in your property listings thru effective real estate internet marketing with unique, automatically generated single property websites. Select a supplier that utilises the info you enter to automatically create expert, interesting websites for every one of your individual listings. Single property website is a good tool to provoke seller and generate leads. This service can be found at bargain prices of only $14.00 to $79.95 a month depending on number of real estate lists.
  • Virtual Tours - $10.00 to $69.95
    Statistic shows lists with virtual tours get click 300% more then the lists without virtual tours. It's really important to have pro virtual tours as an element of the real estate internet marketing plan. This service goes from $10.00 to $69.95 every month depending on number of real estate lists.
  • MLS - $0
    We pay for our MLS dues, but agents do not want pay an additional charge to add your listing to the MLS. Marketing your listings to MLS is thus $0.
  • Agent Showing Feedback System & Management - $14.95 to $39.95
    Show your sellers that you mean business by adding a professional, high-quality feedback system and management package to your real estate internet marketing package. Agent Showing Feedback system will immediately generate the reports for your sellers. At $14.95 to $39.95 every month, it is an satisfactory way to make your seller automatically updated at an inexpensive price.
  • Generate Listing Flyer Templates - $0 to $15.00
    Rather than slowly making real estate flyers for each of your listings, select a real estate internet marketing firm that will generate these for you mechanically, based primarily on the data you've already entered. For anywhere from $0 to $10, it is possible to get a pro, tasty listing flyer, suitable for distribution as hard copy or through e-mail.
  • Craigslist Ad Generator - $0 to $25.00
    Today?s consumers love to browse Craigslist for everything. Consistent Craigslist ad posting is completely wanted to be a part of your complete real estate internet marketing strategy. Count on generating tons of further leads every year, all completely free. The Craigslist ad generator will make the method straightforward at $0 to $25 per ad design.
  • Listing Syndication - $0 to $29.95
    The best customer for your listing might be nervously reading through real estate internet marketing pieces. However , if your listing isn?t on their preferred site, you?ll never make a match. Real estate internet marketing service providers charges $0 to $29.95 to syndicate your properties to more than 35 of the most popular real estate online property sites.
  • Social Media Marketing for Realtors - $0
    To complete your real estate internet marketing needs visibility on social marketing sites. This is the 1st stop for most web users. You'll get a good return on your investment with every lead generated, since this service is entirely free. There are social promoting posting that will help you simply post your listings to social media sites for free as well.
  • Lead Capture and Lead Management - $0 to $100
    You can lay out a lot on generating leads for your real estate internet marketing campaign, but without a proper capture and manage these leads, your effort is wasted. Lead manager's system can be very complicated and expensive to easy and affordable. Price range is big dependent on service supplier. Lead capture and management system can be from $0 to $100 each month. Don?t pay for the additional features that you never use in a complicated managing system. Keep your lead management simple and easy to use.

. Standard advertising methods are not valuable in today?s net-based world. However who can afford to spend a fortune on intensive real estate internet marketing? Instead of selecting a service that charges thousands of greenbacks per month, spend your hard earned cash wisely with complete real estate internet marketing for less than $100 each month.

Michael Yee is the VP of Tech Dev at eAgent360.com. EAgent360.com is a leading online real estate internet marketing company providing a true fully integrated real estate internet marketing platform for the Realtors. For FREE account, come to our internet site for more information on real estate internet marketing.

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Friday, March 30, 2012

Obamacare at Supreme Court: Healthcare Stocks ... - Investing Daily

Healthcare stocks ? as measured by the Health Care Select Sector SPDR (NYSE: XLV) ? have struggled during the first quarter of 2012, rising only 8.2% which trails the S&P 500?s 12.2% gain by almost one-third. Concerns over pharmaceutical patent cliffs and the upcoming U.S. Supreme Court ruling on the constitutionality of Obamacare have weighed on healthcare stocks. In fact, healthcare has been the third-worst-performing industry sector out of the nine sector SPDRs:

Year-to Date Return

Industry Sector

Dec. 30, 2011 to Mar. 29, 2012 Total Return

Financials (NYSE: XLF)

21.2%

Technology (NYSE: XLK)

19.2%

Consumer Discretionary (NYSE: XLY)

15.4%

S&P 500 ETF (NYSE: SPY)

12.2%

Industrials (NYSE: XLI)

10.9%

Materials (NYSE: XLB)

10.4%

Healthcare (NYSE: XLV)

8.2%

Consumer Staples (NYSE: XLP)

4.8%

Energy (NYSE: XLE)

3.3%

Utilities (NYSE: XLU)

-2.2%

Source: Bloomberg

Healthcare Stocks Outperform This Week

This past week, however, guess which sector SPDR was the best-performing? Health care, and by a HUGE margin of more than twice the return of the second-place finisher:

This Week?s Return

Industry Sector

Mar. 23 to Mar. 29 Total Return

Healthcare (NYSE: XLV)

1.94%

Technology (NYSE: XLK)

0.88%

Utilities (NYSE: XLU)

0.74%

Consumer Discretionary (NYSE: XLY)

0.54%

S&P 500 ETF (NYSE: SPY)

0.42%

Consumer Staples (NYSE: XLP)

0.34%

Industrials (NYSE: XLI)

0.24%

Financials (NYSE: XLF)

-0.13%

Materials (NYSE: XLB)

-0.19%

Energy (NYSE: XLE)

-1.51%

Source: Bloomberg

Obamacare is Unconstitutional

Why the sudden reversal of fortune in healthcare stocks? The answer lies with the U.S. Supreme Court, which held oral arguments this week in the Obamacare case. There are two major constitutional issues under review:

  1. Individual mandate requiring every U.S. citizen to buy health insurance
  2. Severability of Obamacare if individual mandate provision is struck down

Forcing the uninsured to buy insurance would be the first time in U.S. history that a U.S. citizen would be penalized for ?inactivity? ? refusing to buy something they didn?t want. Proponents of the mandate often trot out the regulatory requirement to buy auto insurance, but only people who drive a car are required to buy such insurance; drivers have taken an affirmative action to enter the car market and hence subject themselves to regulation. In contrast, people forced to buy health insurance have done nothing at all except be alive.

Consequently, the individual mandate is a gross abuse of the U.S. Constitution?s Article 1, Section 8, Clause 3 ?Commerce Clause,? which strictly limits federal regulation to commerce ?among the several states.? Ever since Congress passed the McCarran-Ferguson Act in 1945, insurance has always been regulated by the states, not the federal government.

The Supreme Court Will Likely Strike Down Obamacare

Observers of the oral argument have uniformly stated that a majority of Supreme Court justices appeared critical of the individual mandate provision and challenged the government lawyer defending the law much more harshly than they did the arguments of the contesting plaintiff lawyer. Justice Kennedy ? commonly known as the 5-4 ?swing vote? on the bench ? asked the following question of Obama?s lawyer on pages 11-12 of the transcript:

This is unprecedented, this is a step beyond what our cases have allowed, the affirmative duty to act, to go into commerce. If that is so, do you not have a heavy burden of justification?

You are changing the relation of the individual to the government in a unique way. The reason this is concerning is because it requires the individual to do an affirmative act. In the law of torts, our tradition, our law has been that you don?t have the duty to rescue someone if that person is in danger. The blind man is walking in front of a car and you do not have a duty to stop him, absent some relation between you.

Based on academic research, the Supreme Court has historically been much more likely to rule against the side it asks more questions of during oral arguments. A ?state of the art? model based on oral-argument language and tone predicts that the Supreme Court will declare the individual mandate unconstitutional by a slim 5-4 margin.

Obamacare is highly unpopular with the American people. In a recent poll, 75 percent of Americans wanted the Supreme Court to strike it down.? Ironically, even Obama opposed an individual mandate during the 2008 presidential campaign before doing a 180-degree flip-flop once he was elected president. On the other hand, the public overwhelmingly supports barring insurance companies from denying health coverage based on a pre-existing condition by an 85-15 margin.

Pre-Existing Condition Protection Doesn?t Work Without Individual Mandate

The problem is that you can?t have one without the other without destroying the profitability of insurance companies. Absent an individual mandate, the result will be ?adverse selection,? whereby healthy people will opt out of the insurance program while sick people will enroll. A profitable insurance market is based on uncertainty where more people pay into the system than is paid out in claims.? If the only people who enroll are those who are certain to make reimbursement claims based on pre-existing conditions, insurers will end up losing money because the government-regulated insurance premiums won?t be sufficient to cover all of the claims. In their 11th-Circuit Court of Appeals brief (page 30), Obama?s own lawyers have cited Princeton University professor Uwe Reinhardt for the proposition that:

It is well known that guaranteed issue coupled with voluntary insurance tend to lead to a death spiral of individual insurance.

For this reason, the Obama administration has argued that requiring insurance companies to accept pre-existing conditions should not survive if the individual mandate is struck down.

Obamacare Will Be Upheld or Struck Down in Its Entirety ? No Severability

On the third day of oral argument, the issue of severability was debated and my reading of the transcript leads me to believe that many of the justices believe that Obamacare must be struck down in its entirety if the individual mandate is struck down. For example, on page 41 of the transcript Justice Alito asked the best question:

Insurance reforms impose 10-year costs of roughly $700 billion on the insurance industry, and that these costs are supposed to be offset by about 350 billion in new revenue from the individual mandate and 350 billion from the Medicaid expansion. Now if the 350 billion from the individual mandate were to be lost, what would happen to the insurance industry, which would now be in the hole for $350 billion over 10 years?

In Healthcare Reform: the $700 billion Lie, I argued that the cost of Obamacare will be much greater than advertised, but even taking that understated number at face value greatly concerned swing vote Justice Kennedy, who exhibited sympathy for Alito?s question. Kennedy asked a follow-up question on pages 42-43 of the transcript:

I still don?t understand where you are with the answer to Justice Alito?s question. Assume that there is a substantial probability that the 700 billion is going to be cut in half if the individual mandate is stricken. Assume there is a significant possibility of that. Is it within the proper exercise of this Court?s function to impose that kind of risk [on the insurance industry]? Can we say that the Congress would have intended that there be that kind of risk?

I think the reason healthcare stocks have rallied so strongly this week is because investors have concluded that the entire Obamacare monstrosity is going to be struck down ? not just the individual mandate, but also the requirement to enroll people with pre-existing conditions, the expansion of Medicaid, and the medical loss ratio minimums that limit insurance company profits to 20% of insurance premiums collected.

Healthcare Stocks Look Like a Buy

Bottom line: healthcare insurers were going to do fine under Obamacare because the individual mandate and Medicaid expansion requirements promised to greatly increase industry revenues and counteract the pre-existing condition and medical loss ratio cost burdens. Similarly, healthcare insurers will do fine if Obamacare is struck down because free markets allow companies to generate profits unrestricted.

The only scenario where healthcare insurers were going to be hurt badly was if the individual mandate was struck down but the pre-existing condition and medical loss ratio provisions remained (i.e., severability). Since severability is almost certainly off the table given what transpired this week during the U.S. Supreme Court?s oral argument, investors have a ?green light? to invest in healthcare stocks regardless of whether Obamacare is upheld in its entirety or struck down in its entirety.

?All or nothing? ? the key to healthcare profitability ? appears assured.

?

Source: http://www.investingdaily.com/15023/obamacare-at-supreme-court-healthcare-stocks-need-all-or-nothing

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Hasidic school students 'fined' for Facebook use

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13 hrs.

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The smartphone juggernaut continues?in the U.S. According to a new Nielsen report,?49.7 percent of mobile subscribers owned smartphones as ... Read more

6 hrs.

Well, you can't say they weren't warned.

Thirty-three students at a Jewish girl's school in Crown Heights, Brooklyn ponied up a $100 each after they were stone-cold busted using Facebook. This, after signing a contract with Beis Rivkah High School this year in which they agreed to not use the social network, the New York Daily News reports.

?It?s not a modest thing for a Jewish girl ? or man or woman or student or father to be on," head administrator?Rabbi Benzion Stock told the New York Daily News. "There is a lack of privacy and dignity."

The decree is in keeping with Tzniut, a group of laws emphasizing modesty and humility, and observed within the Orthodox Jewish community. Beis Rivkah is a Hasidic school, but this isn't the first time Facebook, modesty and private schools have clashed.

St. Theresa?s College High?School?in Cebu City in the Philippines?barred a senior from participating in her class's graduation ceremony on Friday because she posted a bikini-clad photo of herself on Facebook.

According to Cebu Daily News,?the girl was "cited for violating five provisions in the [St. Theresa?s College?High?School] Student Handbook" which include a rule against "posing and uploading pictures on the Internet that entail ample body exposure," and "engaging in immoral, indecent, obscene or lewd acts."

The crackdown at Beis Rivkah High School came last week after administrators discovered some of their 495 students still active on Facebook, according to the New York Daily News. Head administrator Stock said parents were "shocked" to learn their daughters were still using the social network.

One sophomore who said she's Facebook friends with her mom, isn't happy with the crackdown. ?If I post a picture, I don?t just send it to everybody," Sarah Freid, 15,?told the New York Daily News. "I don?t do bad things online,? she added. ?I?m friends with my mom.?

All 33 girls were asked to delete their accounts by the end of the week, but they'll get their $100 back at the end of the year.?

Helen A.S. Popkin goes blah blah blah about the Internet. Tell her to get a real job?on?Twitter?and/or?Facebook. Also,?Google+.

Source: http://www.technolog.msnbc.msn.com/technology/technolog/students-hasidic-school-fined-100-using-facebook-597814

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Thursday, March 29, 2012

Excellent Suggestions For Purchasing The Appropriate Auto Insurance

If you own a car then you should buy auto insurance. Before you purchase auto insurance you should research every one of the different insurance plans available and figure out which plan best suits your needs. In relation to buying auto insurance, the more information you have, the better off you will end up. This article contains several auto insurance tips. Get knowledgeable about the coverage you have on your vehicle, versus the coverage available for you to you. You will probably find that you might have a significantly higher coverage open to you than you are enjoying. Sometimes the better packages only cost dollars more than your basic policy. Before buying a car, think about the expense of the insurance policy for the sort of car or cars you are considering. Generally, the more pricey the vehicle is, the higher the insurance cost will be. Always make sure that you pick up a couple of online auto insurance quotes for more effective comparison that may help you discover cheap auto insurance premiums providing you necessary protection and also coverage.

If you are shopping for new car insurance, you should take some time and find car insurance that provides the best price for the grade of insurance. It is important to get comprehensive auto insurance so that you will are covered for damages for anyone who is at fault in an accident. Never sacrifice coverage for a lower price of insurance. Listen to the advice from your insurance agent. Agents are paid to advice customers and they know the market. With the knowledge they hold, they may help you get the best deals. Don?t think you know more about insurance than your agent. Listen to them and they could help you save a ton of money on your insurance policy.

One thing that many people overlook when reviewing car insurance is that they is probably not covered for other ?uninsured? drivers. This is something you will want to consider since it increases the price that you pay. It also protects you in the horrible situation of an uninsured driver hitting your car. There are many ways to save money on your auto insurance policies, and among the best ways is to remove drivers from the policy if they are no longer driving. A lot of parents mistakenly leave their kids on their policies after they?ve gone off to school or have moved out. Make sure you rework your policy once you lose a driver.

See if you qualify for a Safe Vehicle Auto Insurance Discount. If your car has a number of safety features, such as airbags and anti-lock brakes, you may qualify for a reduced rate on your insurance. Discuss everything that your car has with your agent so that you get the best possible rate. In the auto insurance market, consider these three factors, they will have the most to do with the rate you get. You, your vehicle, and your garage location are the main considerations in where your car insurance rate is set. Though a few of the factors are static, most are dynamic, and can improve with time.

Including a small tool bag in your vehicle is one of the best insurance policies you can have when you travel. The majority of us aren?t capable of completing major repairs on our own but we can fix small things. Take along a pair of vice grips, a roll of duct tape, a roll of electrical tape, an interchangeable tip screwdriver, a few fuses and a can of fix-a-flat. When you purchase a new auto insurance policy, it is important to remember that in most states, insurance carriers have a window of time to change their minds about insuring you. If during this review period they determine you are an unacceptable risk, you may have your new coverage terminated with just a few weeks? notice. For those who have a stable driving and financial history, this is unlikely, but keep your research into other carriers handy in the event you need to purchase another policy.

If your auto insurer labels you as a high risk driver, periodically ask them to review your insurance record and policy. Cleaning up your driving record over time will take you from a high to a low risk driver and decrease your rates. Be sure to ask how many years it will require to get this done. When you pick up simple auto insurance tips like these, you arm yourself to fight for top insurance deals accessible to you. You stand from the pack and get better treatment from your insurer. Educating yourself on auto insurance is bad news for insurance companies, but good news for you and your wallet!


Auto Insurance Quotes

Used for added evidence, you need to visit your site at NJ Auto Insurance.

Source: http://autoinsurance-newjersey.org/excellent-suggestions-for-purchasing-the-appropriate-auto-insurance-plan

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Wednesday, March 28, 2012

Few Contingency Plans if Court Rejects Individual Mandate

[unable to retrieve full-text content]On Wednesday, the Supreme Court will examine how much of the 2010 health care law might survive if the justices strike down the requirement that Americans buy insurance.

Source: http://feeds.nytimes.com/click.phdo?i=f020698a2050396d5dc28a0055e6517e

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Monday, March 26, 2012

Angry Birds Space billed as an educational tool. Really?

Launched Thursday, Angry Birds Space, the latest installment to the wildly popular Angry Birds video game franchise, is being billed as a tool for educating people about physics. How scientifically accurate is the physics in the game?

With over 700 million downloads,?the first Angry Birds game is a testament to the appeal of simplicity. The much-anticipated sequel, Angry Birds Space, which launched on Thursday, looks just as simple, and as freakishly enjoyable.?

Skip to next paragraph

But there is one big difference between the original and its high-flying sequel: Angry Birds Space is being billed?as a tool for educating people about physics.

The original Angry Birds allows players to slingshot a variety of ornery avians at oblate green pigs. The pigs have absconded with birds' eggs, hence their anger.

Angry Birds Space incorporates an element of interplanetary gravity. The developers collaborated with NASA to "teach people about physics and space exploration through the internationally successful puzzle game," according to NASA's recent press release.

Peter Vesterbacka, the chief marketing officer of Rovio, which made the game, said in the release that the company couldn't "wait to work with [NASA] on creating more compelling educational experiences."

NASA and Rovio aren't the only organizations touting Angry Birds Space as an educational tool. The Examiner, InformationWeek, and other media outlets have described the game in much the same way.

But is that really true? Is there any educational value in Angry Birds Space??

Before we explore this question, though, let's admit that Angry Birds Space is a game, foremost, and a fun one at that. Perhaps there doesn't have to be any more of a justification to play it, and maybe the excuse of educational value is?unnecessary.

And let's give credit where it's due. The claim that the new game appropriates the concept of microgravity ? the kind of low gravity that affects objects in orbit, like at the International Space Station ? is pretty much true. Also, the game illustrates how objects ? in this case, the birds ? launched in a straight line will curve their trajectories in the presence of massive bodies. So far, so good.?

But when you add audible TNT detonations in space, plants subsisting without carbon dioxide on otherwise forlorn moons, an inexplicable presence of wood and concrete, and the stormy purple vortex at the stroyline's beginning, the educational value of the game falls off dramatically.

The game exhibits more serious problems too, namely, physical impossibilities. Rhett Allain, Associate Professor of Physics at Southeastern Louisiana University and Blogger for wired.com, pointed some of these out.

In the game, the slung birds enter the gravitational fields of tiny pocked moons and plummet toward them. According to Newton's Law of Gravitation, the moons must be extremely massive in order for the birds to move as fast as they do. But the moons aren't all that much larger than the birds themselves. This means that they would have to be extremely dense. Allain calculates one moon's density to be about 7 billion kg/m3 , closer to the density of a white dwarf than that of a moon.

Also, if the moons had real gravity, then all objects caught in their fields ? which in the game are portrayed as glowing pellucid disks ? would accelerate towards the surface. It's hard to say if the birds follow this law, since they go through so many other inexplicable motions. But the debris they collide with clearly do not. Allain demonstrated that in the game, rocks actually slow down during their free-fall to the moons' surfaces.

And why are those moons sitting still, exactly? In space, they would not only gravitationally interact with the wayward birds, but also with each other. If intentional, it was clever for the developers of Angry Birds Space to?lock the moons in place. The conundrum of three or more bodies gravitating towards one another still perplexes physicists. They call it the n-body problem. Obviously, n-body gravitation occurs, but we have no way to theoretically explain it. Even the current models that can approximate this motion are astoundingly math-intensive.?

Criticizing an extremely fun and successful video game for its inaccuracy is easy, if not curmudgeonly. But if you're going to look to Angry Birds Space for educational value, you should know that its physics is about as accurate as its ornithology.?

Source: http://rss.csmonitor.com/~r/feeds/science/~3/KE7MwXuNVck/Angry-Birds-Space-billed-as-an-educational-tool.-Really

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Sunday, March 25, 2012

Real Estate Broker Requirements In California | The Internet ...

Los Angeles is well known to the people as the sunshine state. In reality, it may be just about the most loved states in the US as a result of fantastic weather conditions which it provides people. It is in this state that people can take advantage of luxurious shorelines and wonderful sunshine scenery. However in addition to that, California continues to have a lot to provide and also this consists of the well-educated and well-trained real estate agents that they have. A lot of people have indicated their wants to grow to be real estate brokers but only a few have the ability to keep up with the real estate broker requirements.

In LA, a real estate dealer is well-respected because not only are they making the state well-liked by those who find themselves looking for a great place for their retirement but they are also building up the state as a well-known destination among individuals having a vacation. There is no doubt that the star of California offers one of the best locations one would need to own and this is the reason why most of the California real estate brokers will always be in operation. Real estate is flourishing market and those that desire to turn out to be real estate brokers or agents in California need to keep in mind what?s needed that they need to satisfy. To offer you a perception of the required steps to be a real estate broker in California, below are a few of many items that one must complete prior to being called a California real estate agent.

* Just like in every other state, a California real estate broker must have passed all of the required classes and examinations necessary of a real estate broker. This really is to ensure that all of the brokers that customers will speak with are licensed to offer property to prevent accidents in buying properties. More than that, in the event that individuals are dealing with real estate agents, they know that they are buying properties with authorized documents and that the amount of money they are purchasing real estate is in very good hands.

* One of the most known real estate broker requirements is that every real estate broker must be in a position to submit himself or herself to the training course which have been specifically designed for them. It is through these trainings that they will find out more about the policies of the state regarding marketing real estate and the laws and regulations that oversee the marketing. Many people might think that it is no longer important to understand all these things but it is. The knowledge of the procedures and regulations are essential to the achievement of the real estate agent and also the pleasure of those that are investing in real estate.

* In addition to that, California real estate brokers should also submit themselves to taking up numerous programs on real estate. Apart from the courses, real estate brokers are required to consider programs that will improve their information about real estate and just how the business is ran. Luckily for those who are still looking at the potential of becoming an agent, there are now on the web real estate courses that they can take up that won?t take their time off their day time jobs.

All the flexibilities in time and classes are just a few of the numerous benefits one could enjoy if they opt to become and California real estate agent. Perhaps the market itself opens its gates to whoever desires to try their good fortune.

For more info on the California Real Estate School and its Online Real Estate Courses, visit my website and read more about it.

Source: http://www.internetmarketersblog.net/2012/03/25/real-estate-broker-requirements-in-california/

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