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Financing

Financing China Movie Co-Productions. Australian Producer Offsets Can Work.
2012-05-21 19:57:00
By: Mathew Alderson In my previous post, Aussiewood Film Finance And China Co-Productions. Ever The Twain Shall Meet?  I explained how a cash rebate equivalent to 40% of feature film production costs is available from the Australian government for films with “significant Australian content” if the producer incurred “qualifying Australian production expenditure” when making the film. This rebate is known as the “Australian producer offset.” In this post, I explain how “official” co-productions between Australia and China, and between Australia and certain other nations, are exempt from some of these requirements, making it easier to access this offset. But first, what is an “official” co-production? For purposes of the Australian producer offset, an official co-production is one made under formal arrangements between Australia and the governments of various countries. These formal arrangements are treaties or memoranda of u...
Using High Interest Private Financing is Still Better Than Cash
2012-05-16 14:16:00
With investors battling a tight credit market, the opportunity to obtain financing for investment properties can often times prove more difficult than expected for some investors. Five years ago many of these same investors had no problem walking into their local lender?s office and getting approved for a loan. Nowadays, it seems like underwriters need ...This Article is Copyright © 2004-2012 BiggerPockets, Inc. All Rights Reserved. Using High Interest Private Financing is Still Better Than Cash
Low APR Loans ? Your Effort Helps Secure Cheaper Financing
2012-04-24 22:24:00
Low APR Loans – Your Effort Helps Secure Cheaper Financing - Loans can be tied to the lifetime of the equipment or other asset you are borrowing the money to pay for. You need credit, better you shop carefully. Compare offers … Continue reading →
Why You Should Pull Credit Reports for Seller Financing
2012-04-15 14:15:00
We think about credit scores when getting a car loan, or getting a traditional mortgage for our home, but what about as an investor looking to qualify a potential home owner for your seller financed property sale? In short, you should always pull credit on potential applicants but you need to be aware of the ...This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved. Why You Should Pull Credit Reports for Seller Financing
Creating Your Own Bank for Seller Financing
2012-04-05 16:42:00
For many investors offering the option of seller financing is attractive if you want to get a property sold, but there could be one tiny hiccup! You may not have immediate returns on your cash to do your next investment deal especially  if you’re an active investor looking to wholesale properties or do fix and ...This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved. Creating Your Own Bank for Seller Financing
NHLD signs 10 mill financing agreement
2012-04-04 21:15:00
April 04, 2012 01:35 PM Eastern Daylight Time National Holdings Signs $10 Million Financing Agreement, Repays Debt and Announces New Chairman and Board Members Resolution is Reached on Medical Capital and Provident Claims NEW YORK--(BUSINESS WIRE)--National Holdings Corporation (OTCBB: NHLD) (the “Company”), a full service investment banking company operating through its wholly-owned subsidiaries, today announced the signing of a definitive Securities Purchase Agreement on March 30, 2012, allowing for a $10 million debt and equity investment into the Company from an investment group, National Securities Growth Partners, LLC, consisting of Robert Fagenson, Bryant Riley, Mark Klein and Starfish Capital LLC. “We also believe that this new capital infusion will be a catalyst to capture strategic and consolidation opportunities growing and diversifying our revenue base and furthering our overall growth strategy.” The investment consists of $4,000,000 of 6% Series E Convertible S...
Financing for Long Term Investing
2012-02-29 19:31:00
Many of the real estate investors I talk to these days are buying for the long term hold. In fact, most don?t have a set time-frame in mind, they just know they want to hold properties as long term investments.  But ?a long term investment? for one investor might be very different than for another.  ...This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved. Financing for Long Term Investing
Make Agents Your Seller Financing Allies
2012-01-27 14:25:00
It?s  a hurdle most real estate investors run into early in their careers?.  How to find real estate agents that understand the ?unique? offers investors make to seller?s agents. Whether it?s the idea of buying with seller financing or taking an option on a property, most real estate agents have never heard of these transactions ...This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved. Make Agents Your Seller Financing Allies
TBIO 3million in financing
2012-01-06 20:09:00
January 06, 2012 10:13 AM Eastern Time Transgenomic Announces $3 Million Convertible Note Financing OMAHA, Neb.--(BUSINESS WIRE)--Transgenomic, Inc. (OTCBB: TBIO) today announced that it has entered into a Convertible Promissory Note Purchase Agreement (the “Purchase Agreement”) in the aggregate amount of $3.0 million with entities (the “Investors”) associated with Third Security, LLC, a leading life sciences investment firm. “We are very pleased with the additional investment by Third Security affiliates as it increases our working capital and allows us to continue our expansion plan” “We are very pleased with the additional investment by Third Security affiliates as it increases our working capital and allows us to continue our expansion plan,” said Craig Tuttle, President and Chief Executive Officer of the Company. Neither the Notes nor the equity securities into which the Notes are convertible have been registered under the Securities Act of 1933, as amended (the “Act”)...
SOPW solar 64 mill financing
2012-01-05 13:28:00
January 05, 2012 06:00 AM Eastern Time SPI Solar Secures $64 Million in Project Financing Initial tranche includes $44 million from China Development Bank to fund construction of large-scale projects in New Jersey ROSEVILLE, Calif.--(BUSINESS WIRE)--SPI Solar (“SPI”) (OTCBB:SOPW) a leading vertically integrated photovoltaic (“PV”) solar developer, today announced that it has secured construction finance facilities totaling $44 million from China Development Bank (“CDB”) to fund construction of solar energy facility (“SEF”) projects it is working on jointly with KDC Solar in New Jersey. Separately, LDK Solar (“LDK”) secured financing facilities of $20 million for two projects it is developing through Engineering, Construction and Procurement contracts with SPI in California. The LDK finance facilities will be used to fund construction costs of the California SEFs. “Our successful relationship with CDB is a direct result of our close working relationship with LDK” In June 201...
Dipping Your Toe Into the World of Seller Financing
2011-12-08 15:54:00
If you are going to sign a lease/option contract with a prospective tenant buyer, you should go through the normal screening process used in any seller financed deal. That means credit reports, background checks, pay stubs, reference checks and any other due diligence that gives you an accurate profile of your prospective buyer. After all, ...This Article is Copyright © 2004-2011 BiggerPockets, Inc. All Rights Reserved. Dipping Your Toe Into the World of Seller Financing
Mortgage Home Financing for Canadians buying in the United States is back!!
2011-11-17 19:45:00
Image by Antony Pranata via Flickr Since one of the last blog post on my site from June 2007  “Buying a second home in the United States as a Canadian” things in the mortgage industry have changed drastically.  Along with all the changes and tightening of  the lending guidelines Loan Programs for Foreign Nationals buying ...
Owner Financing Offers Alternatives for Home Buyers
2011-11-16 06:00:00
When home buyers can't get a loan, they often turn to owner financing options. Back in the 1970s, newspaper classifieds were sprinkled with home ads titled OWC, meaning "owner will carry." Although today's real estate market is different, there are still similarities between the 1970s and now. Many home buyers in the 1970s faced financing challenges due to tightening of credit. And days on market exceeded 30. Buyers like owner financing for a variety of reasons, and it's also an alternative for those with less than stellar credit. That's because a buyer can have a decent FICO score but still be unable to qualify for a loan due to debt ratio requirements or time on the job. Buyers who utilize owner financing find they save on closing costs because they aren't paying loan points or lender fees. Sellers might offer a lower interest rate to the buyer than a buyer would get from a conventional lender, and the term of the financing can be negotiated between the seller and buyer ...
Business Acquisition Financing Tips
2011-11-11 21:21:00
It is not unusual for a business venture to grow, especially if managed well. And sometimes, maintaining the growth of your business endeavors mean buying out your competitors and merging your company with your suppliers.
Commercial Truck Financing Tips
2011-10-28 10:36:00
If you are a business owner operating in an industry that requires commercial rigs and trucks, then you do know the significance of commercial truck financing to the stability and growth of your business.
Types Of Business Financing
2011-10-28 10:36:00
The recent increase of small business establishments in the United States is a clear indication that the small business sector is flourishing, despite the economy getting floored in the past couple of years.
Health of the Tech Economy
2011-07-18 00:24:00
I was reading an article recently about how the number of new tech startups in my local San Diego area has doubled, to 70 new companies, compared to the same quarter last year. More than half of those startups were in software, computer hardware or communications. The article included a number of other criteria useful ...
Rivet Games Raises Series B Financing for Next Gen Web, Social and Mobile G
2011-04-21 06:36:00
San Francisco, CA (PRWEB) April 20, 2011 Rivet Games, developer and publisher of the next generation of web, social and mobile games, announced it closed a Series B funding from existing investors Softbank Capital, Baseline Ventures, and Floodgate, also joined by new investor Outpoint Capital. Rivet Games has now raised a total of $15 million. ...
Margin financing to commence from March 14th
2011-03-06 13:52:00
After months of long-drawn deliberations, investors at local bourses will finally have a leverage product at their disposal….“Investor-s will be able to avail the software to access financing for their share of purchases from March 14th,…March 14th will be the first day with MTS fully implemented and functional at all the three stock exchanges of ...
Choosing an Advisory Board for your Tech Company
2010-12-08 00:11:00
Advisory Boards have become a very chic addition to software and hardware companies over the last 5 or 10 years. So what are the key criteria you should use in putting together an advisory board? Well examine this issue below. Prior to the 5-10 year period mentioned above, it was rare to hear of a company ...
Get real seller financing at new Wolf Ridge Condominiums in Northlake
2010-10-08 22:10:00
(The following is a sponsored post for the Chicago Tribune's Fall 2010 Festival of Homes.) Look no further than Wolf Ridge Condominiums for true seller financing. With a down payment requirement of only 5%, a fixed interest rate of 4.95%, and a 30-year term and amortization available to all buyers, this is the time to buy. Recently completed, Wolf Ridge is a pleasant community of new-construction luxury condominiums conveniently located near Northlake's main business district. One-, two-, and three- bedroom homes are available ranging from 1,135 to 1,790 square feet of living area. Wolf Ridge offers affordable, luxurious homes constructed with only the highest quality in mind. Solid reinforced brick construction, all-copper water piping and, sound/fire resistant walls give...
Newly built condos with seller financing in Northlake
2010-10-08 22:02:00
Look no further than Wolf Ridge Condominiums for true seller financing. With a down payment requirement of only 5%, a fixed interest rate of 4.95%, and a 30-year term and amortization available to all buyers, this is the time to buy. Recently completed, Wolf Ridge is a pleasant community of new-construction luxury condominiums conveniently located near Northlake's main business district. One-, two-, and three- bedroom homes are available ranging from 1,135 to 1,790 square feet of living area. Wolf Ridge offers affordable, luxurious homes constructed with only the highest quality in mind. Solid reinforced brick construction, all-copper water piping and, sound/fire resistant walls give owners an unparalleled level of comfort and security. Premium finishes, individual private balconies with architectural...
News: Roland provide financing deal.
2010-10-01 21:02:00
SPECIAL FINANCING NOW AVAILABLE ON ALL ROLAND PRODUCTS No Interest Financing Runs Through the Holiday Season Los Angeles, CA, October 1, 2010 ? Roland Corporation U.S., in partnership with GE Money, is pleased to announce special financing for customers on all Roland and BOSS October 1st through December 31, 2010. Pay no interest for 12 months for Roland and BOSS purchases greater than $499.00* Pay no interest for six months for Roland and BOSS purchases greater than $249.00** For more information on this special financing, please visit RolandUS.com/GEMoney. --------- About Roland Corporation Roland Corporation is a leading manufacturer and distributor of electronic musical instruments, including keyboards and synthesizers, guitar products, electronic percussion, digital recording equipment, amplifiers, audio processors, and multimedia products. With over 38 years of musical instrument development, Roland sets the standard in music technology for the world to follow. For more inf...
TIE Technologies Secures $15 Million Reserve Equity Financing Facility With
2010-07-27 18:42:00
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Dozens of Chicagoland homes available with special financing through Fresh
2010-07-09 23:19:00
No matter your preferred price range or style of home, chances are you can find something you like amongst Fresh Horizon Realty's stable of new and newly renovated properties. Right now, the brokerage lists 34 different condos, townhomes, and single-family homes under its "View Our Listings" link at FreshHorizonRealty.com. These homes range from investor units and short sales located in Chicago, Hometown, Zion, and Round Lake Beach, all priced for no more than $130,000, all the way up to a new-construction single-family home in Lincoln Square, priced at almost $1.4 million. What these homes have in common is Fresh Horizon Realty's financing, which give buyers low-interest mortgages with no private mortgage insurance charges. Examples of Fresh Horizon's financing packages...
Financing Your Home for First Time Homebuyers
2010-06-15 21:34:00
Photo by woodleywonderworks Homeownership is a great financial choice in most situations, and because the current real estate market is strongly favoring buyers, now is a great time to consider purchasing your first home. While many banks have imposed increasingly stringent standards on their home loan programs, there are government programs which can help first ...
Secured Debt Consolidation Loan Secures Your Future Financing
2010-06-15 08:00:00
Are you afraid to answer the phone, as they may be forced to explain why they have not done your duty? Harassment phone all day making calls borrowers to find an immediate solution to the debt to act quickly. From this point of view, a debt consolidation loan is to provide financial choices to get ... Further information to read:Bigger Needs Better Financing — Fast Secured Loan Getting wishes fulfilled gives us the feeling of happiness simultaneously making our life easier to live. It needs efforts from... Secured Debt Consolidation Loan – Lead A Fresh Debt Free Life There is a stage where you want to get rid of all debts that now threaten to endanger his life.... Condense Your Debt Payment Secured Debt Consolidation Loan guaranteed loan debt consolidation to combine all your debts and allows you to pay only one single payment. This may...
USDA is out of Money ? another 100% financing option disappears
2010-05-18 20:41:00
photo credit: Allie_CaulfieldUSDA is out of Funds – No conditional commitments! Times are turbulent in the mortgage business and the latest news about whether  or not the USDA has funds left, and also if the USDA will be able to continue to fund (subject to conditional commitments) is just another example that things are constantly ...
TURN KEY CASH FLOW PROPERTIES WITH 100% CONVENTIONAL FINANCING!
2009-10-02 18:32:00
Photo Gallery418 kendal $1300 rents $89,500.004129 vineyard $650 rents $32,5007413 e.56th terr $640 sec 8 $42,5009216 walnut $650 rents $45,000 rehabbed10808 hillcrest $1200 rents $89,5002701 e.80th $900 rents $65,000DescriptionWe have made a fantastic relationship with a local CONVENTIONAL lender that has agreed to finance our Cash Flowing Rental inventory to our clients with the following terms.Funds available now for the purchase, renovation and long-term hold of residential (1 to 4 units) investment property.Lender will loan up to 75% of the After Repaired Value ! This can be a ZERO down payment loan. Yes, ZERO.Great program for experienced investors with good credit (680 +), cash reserves and verifiable income.Sample terms: 75% LTV of the after repaired value 7.5% interest 5 year fixed term 30 year amortization $1,250 estimated closing costs 1% origination fee to lender 1% origination fee to brokerThis is for the acquisition, renovation and long-term hold of residential, 1 - 4 ...
Email campaign for financing company
2009-09-04 15:18:00
I am starting up a new business for financing vehicles and looking for someone who can create and manage and email marketing campaign for my business. I want to send info for our service thro emails to our customers. I have list of customers need good email campaigners. So the person should explain our service clearly like what we provide service and how the people to get the benefits from it etc., Tell me how good and cheap u can do this job for me, show some of your skills if possible
Financing Ramblings
2009-08-29 21:09:00
This week was another down week for Natural Gas as it merely escaped slipping undr the psychological 3$ level. How much lower can it go? Without further wait, here are some of the better posts/articles that I read this week:) -I always wonder why people argue that a .50 or 1% difference in management fees (especially ...
Tips for getting guaranteed approval on car financing
2009-08-19 12:30:00
It is very easy for the lenders to sweetly deny the loan, labeling the borrower as ?a high risk client'. A guaranteed car loan can be a better option in these cases and it would help all the consumers to own their dream car. Borrowers with slightly less than a perfect credit score are denied but they have all the rights to own a car of their choice. Do not your weird thoughts ruin you and let?s look at the reality here. One can not change the poor or bad credit history overnight but there is a possibility to come home in the company of the SUV that the user wished. Bad credit car loans - These are special sort of loans given to the individuals who were ripped off elsewhere due to poor scores.Guaranteed car loans are offered to people with poor or no credit score and are mostly offered to students who are just out of the college. Most lenders will scrutinize the borrowers for having poor credit history and they face loan denial charges. The companies are very much comfortable in swe...
House Approves Financing for Rural American Broadband Network
2009-01-19 20:51:00
Source: MarketingVoxThe House Appropriations Committee just approved financing up to $6 billion to develop broadband networks in rural America."For every dollar invested in broadband, the economy sees a 10-fold return on that investment," the Committee preached.The $6 billion-for-broadband is part of an $825 billion stimulus package that was posed to Congress.Advocates for the bill remain cautiously celebratory."Let's make sure the details are right," said Policy Director Ben Scott of Free Press. "You want to spend money on networks that aren't obsolete by the time you build them."Policy-makers were admonished to ensure the new networks are fast, affordable and compliant with net neutrality principles (which posit that internet should not be terraced or filtered, especially based on the interests of a broadband company or advocates for morality)."Tax dollars should not be used to fund closed, proprietary networks that shut out content providers, control consumer behavior, and enco...
Financing A Bariatric Surgery
2008-12-04 08:07:00
Financing A Bariatric Surgery was written by Eddie Tobey from e-bariatricsurgery.comBariatric- surgery for weight loss may be a life-saving procedure, but it is not cheap. Although a number of insurance companies cover the procedure, many individuals find that their medical insurance providers balk at the cost. Most insurance companies require a letter outlining a patient?s weigh-loss history and the medical necessity for the surgery before they will even consider financing the procedure. Even with a carefully crafted letter, many insurance companies will refuse to authorize the surgery.If this happens, the patient should not give up hope, since most insurance providers give patients an opportunity to appeal a denial. Most insurance companies require that patients appeal within 30-60 days after receiving a denial of coverage. The bariatric surgery insurance Appeal Letter should include information disputing the insurance provider?s reason for denial. As a last result, patients may ne...
The NYTimes finally notices that Obama didn?t take public financing
2008-11-03 05:14:00
Ah, the New York Times finally noticed. Barack Obama has opted out of public financing of his election, which allows him to spend as much as he can “legally” raise. Of course, this hit page A22 in the NewYork Times print edition, but at least they finally noticed it. Oh, but some Democrats worry: Democrats, in particular, who ...
Auto Financing Company
2008-10-11 19:51:00
AutoFinancing123.com gives our customers immediate access to leading automobile lenders in their regional areas through one online source. We utilize a truly innovative financial services marketplace and a large reliable network of automobile lenders that are capable of handling any credit situation [ low credit score is ok ] that our customers may have.
Franchise Financing Crisis
2008-09-29 04:09:00
NEFA Announces: Panel Discussion November 18th, Marriott Hotel Quincy Keys to Financing Success in the Current Economic Climate! The financial lending crisis has reached Main Street and NEFA is planning a panel discussion for the next NEFA Meeting November 18th, 2008 at the Marriott Hotel in Quincy, to explore the ramifications of the crisis and how to ...
No Credit Car Financing
2008-09-28 19:45:00
CAR LOANS FOR ALL is a car finance specialist here to help all the customers including students for new or used cars, whether they have good credit, bad credit, poor credit, bankruptcy or no credit! Anybody can get a good deal for the car, 99% Approval Rate, all it takes some planning. You can have the best deal for your car as CAR LOANS FOR ALL offers the best deals for you. Fill out the form below and get a quick car loan quote!
Private Party Auto Financing
2008-09-28 19:45:00
Private party car finance option for everybody. Money to Ride can finance just about anybody regardless of past credit history. Guaranteed auto loans for good people with poor credit, no credit or bankruptcy. Financing people with no credit is our specialty across USA. Virtually anyone who is working will get approved regardless of past credit issues. You can be pre approved for a new or used car loan here from any private sellers you find.
Ultimate Solution To National Financial Crisis? Easy ? It?s Called ?One Wo
2008-09-21 21:48:00
President Bush, Fed Chair Ben Bernancke, Congress Mulling Obvious Solution To Mortgage Crisis — Sell Your Homes And Land To Foreign Countries’ Banking Institutions I, as has Congress, President Bush, and all of the “evil financial geniuses” in the wake of the largest... This is only a comment summary. Visit http://guntotingliberal.com to view the lastest content complete with some of the most outrageous original photoshops in the political blogosphere!
GM 72 Hour Sale 0% Financing 72 Months 2008
2008-06-23 20:07:00
It is time for GM's 72 Hour Sales event starting Wednesday June 24th. It will include most All GM products. There are some excluded like GMC Acadia, Buick Enclave, Pontiac G8 and some other GM products in other brands such as Chevy, etc.There will NOT be a better time to buy this Year! Also remember to make sure you get the best price on your new car at Yahoo! Autos You can get the best financing possible and pay too much.Yahoo! Autos is geared up and ready to supply you with your New Car Quotes! Pick which vehicle you are pricing, your contact info, and be sure to check all dealers in the last box to make sure your New Car Quote is the best possible. They will fight for the next 72 Hours to earn your business!
Obama to Opt Out of Public Financing
2008-06-23 00:50:00
Its a sticky situation...From ABC's Political Punch:In a web video to supporters "the people who built this movement from the bottom up" -- Sen. Barack Obama, D-Illinois, announced this morning that he will not enter into the public financing system, despite a previous pledge to do so."We've made the decision not to participate in the public financing system for the general election," Obama says in the video, blaming it on the need to combat Republicans, saying "we face opponents who?ve become masters at gaming this broken system. John McCain?s campaign and the Republican National Committee are fueled by contributions from Washington lobbyists and special interest PACs. And we?ve already seen that he?s not going to stop the smears and attacks from his allies running so-called 527 groups, who will spend millions and millions of dollars in unlimited donations."On the one hand Obama has managed to comply with the intent of public campaign financing by collecting tons of small donatio...
Barack Obama Refused Public Financing For General Election
2008-06-19 14:16:00
This is one of the news items of the day. Senator Barack Obama has annouced today that he is not going to use taxpayer money to finance his campaign for President of the United States. To date, Senator Obama has raised more than $200 million in donations most smaller than $200 - unprecedented. Here's Senator Obama's message:
Countdown to the California Clean Tech Open
2008-06-11 10:07:00
Looking for a ten thousand-fold return on your investment? For just $250 and the time it takes to complete a three-page application, you could be the next $100,000 winner of the California Clean Tech...
Trailer Financing
2008-06-10 09:54:00
Trailers can be used to carry snowmobiles, motor cycles or some other heavy vehicles. They come in different configurations to serve different purposes. They may be enclosed in order to serve storage purposes or may be used even as a temporary office. Since they serve varied purposes, they can be ...
FHA & VA Financing with a Chapter 13 Bankruptcy
2008-06-06 20:02:00
I have been in a chpater 13 for over a year with good payments. I have researched getting a VA loan and a FHA loan. I am a veteran. I have been told several different things. Yes on VA. No on Va. Yes on FHA. No on FHA. Yes on FHA if it’s 75% paid ...
Financing Long Term Care in America: There?s Common Ground in Aging
2008-06-06 05:41:00
Just when you think there aren’t issues that Red and Blue America can agree on, there comes this little thing called aging that we’re all doing and want to do well.  On Wednesday a packed auditorium at the University of Minnesota Humphrey Institute of Public Affairs participated in a discussion about financing long-term care in America. And what one saw ...
Having Trouble Financing Your Investment? Your Not Alone!
2008-06-05 19:09:00
Trying to find a lender to finance anything these days is more of a challenge than trying to figure out how a flux capacitor can get you to travel back in time. However, there is lender who is willing to take the leap of faith with buyers these days. They are Cincinnati based ...
Financing to Buy Your Dream Car even with Bad Credit Posted By : shane123
2008-06-05 11:56:00
People that have a need for a poor credit car loan would do well by searching the various proposals that are available to them in the market right now. The best possible way to do this type of research is online. Credit scores hold a lot of importance today. Your credit score will affect you in many ways other than securing a loan. To improve your credit score first you must understand how credit scores work. Read more about Credit and Personal Finance.
Green Mortgage Options Expand with FHA Financing- FHA News EEM?s Part 1:
2008-06-04 17:24:00
As the popularity and necessity of FHA financing expands so does the occurrence of multiple bids on houses in the Bay Area. Yes- I did say multiple bids. So what can you do to better your offer you’re presenting to stand out against the 13 bids I just saw in Brentwood, CA. Yes- I said ...
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