Nationwide Vehicle Wraps Manufacturer Comments on Chicago Mayors Digital Advertising Strategy


Central Islip, NY (PRWEB) July 05, 2013

On July five, nationwide vehicle wraps manufacturer, JMR Graphics, comments on Rahm Emanuels plans to expand the citys digital marketing campaign.

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According to a June 15th, 2013 article published on Chicagotribune.com titled, Emanuel wants to expand citys digital-ad attain. The mayor of Chicago is operating with companies to expand their outside digital advertising network which is about to come increasingly frequent with the introduction of street-level digital ads.

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At the moment, there are eight firms seeking to take portion in the citys growing trend of placing ads on public assets. Amongst these eight firms, are two that are already a prominent force in the citys marketing network. JCDecaux, LLC, holds the contract to install city bus shelters and administer the signs on them. Interstate-JCDecaux LLC, has the deal to place up digital billboards on city-owned house along area expressways.

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The Mayors administration is not revealing specifics about the digital advertising plans of the firms.

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TJ Pannell, a representative from JMR Graphics, a nationwide vehicle wraps manufacturer, commends the Mayor of Chicago for functioning with the firms. As a result of the cooperation in between the ad businesses and the Mayor, Chicago appears to have a great plan to spread digital street ads all through the city. It has been confirmed that outside ads improve a brands visibility ten-fold so this camaraderie will prove to be beneficial for both city and the advertising organizations.

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JMR Graphics is an award winning Nationwide 3M Certified Manufacturer of Graphics for more than a quarter of a century. We specialize in branding organizations by means of Fleet Graphics, Vehicle Wraps, Architectural Wall Graphics, Promotional Window Clings, Floor Graphics, Event Signage and considerably a lot more. We offer a range of 3M Graphics Films, which are specially designed for most surfaces that need a changeable, quick and long-term application. Our exceptional Turn Key Service is backed with a 3M MCS Warranty to give you peace of thoughts when you need to have optimum functionality for the intended life of your graphics. With our state-of-the-art, cutting-edge facility we inspire our consumers by offering creative style, custom-printed graphics and manage a network of nationwide installers. JMR Graphics gives expert capabilities and capacities needed to meet any graphic challenge.

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Difficulty in paying your loan – Options to it

(PRWEB) May 19, 2004

These days, numerous borrowers discover it really challenging to cope up with the scenario if they are possessing a problem in paying their loan. They loose all their hopes and feel that foreclosure is the only way out, but in reality obtaining foreclosure is the worst scenario for a borrower.

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If you are possessing issue paying your loan, there are various possibilities obtainable which are as follows:

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1. Deed-in-lieu of foreclosure: Considering that, foreclosure damages your credit you might transfer the ownership of your property to the lender to

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a. satisfy the obligation of repaying the balance due on the defaulted loan and

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b. keep away from the credit troubles connected with typical foreclosure.

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2. Forbearance Plans: It is the lender’s postponement in foreclosure because you have created satisfactory arrangements to spend the overdue mortgage quantity in arrears.

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3. Modification: If you are recovering from some economic problem and now have an earnings level reduce than it was ahead of, your lender may agree to adjust the original terms of your mortgage with out requiring you to refinance. Changes might incorporate a reduction in the interest rate or alter in the loan type or longer maturity date. Unpaid interest may be added to the loan balance.

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4. Pre-Foreclosure Sale: It is a approach where you are permitted to sell your house (if the appraised value of your house is at least 70 percent of the amount you owe) for an amount significantly less than what is owed on it, to keep away from foreclosure. This sale (value has to be atleast 95 percent of the appraised worth) totally satisfies your debt. The sale could not create adequate proceeds to pay out the loan but the lender will save the fees of foreclosing and selling.

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5. Repayment Plan: It is a verbal agreement in between you and the lender, exactly where you agree to make extra payments to spend down past due amounts, even though nonetheless producing frequently scheduled payments.

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six. Partial claim: You could be capable to get an interest-free of charge loan from HUD in order to get your mortgage present. This alternative has specific qualification criteria.

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7. Workout Assumption: If you have a qualified purchaser who will take title in exchange for assuming the mortgage, the lender might enable it.

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External sources:

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1. Know more about foreclosure-&gt http://www.mortgagefit.com/foreclosure.html&#13
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2. Know a lot more about refinance-&gt http://www.mortgagefit.com/refinance.html&#13
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three. Assumption-&gt http://www.mortgagefit.com/assumption.html&#13
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4. HUD-&gt http://www.mortgagefit.com/hud.html&#13
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five. Appraised avlue-&gt http://www.mortgagefit.com/appraised-worth.html

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CEO of One particular of the Nations Leading Industrial Debt Collection Agencies Concerns Response to Hike in Student Loan Interest Prices


Bohemia, NY (PRWEB) July 05, 2013

On July 5, 2013, John Monderine, CEO at one particular of the nations top commercial debt collection agencies, Speedy Recovery Solution, comments on congressional gridlock involving intense increases in student loan interest prices.

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According to a June 30th, 2013 write-up from CNN Money, Student loan prices doubling on Monday, interest prices of subsidized government loans will a lot more than double on July 1st, climbing up to six.eight%. Lawmakers have attempted to forge a deal in order to alleviate the economic stress experienced by Stafford loan recipients but have been effective therefore far.

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Congressional lawmakers have been unable to come to a consensus and garner support for a bipartisan bill, as they are weighing regardless of whether to produce a quick term or extended term remedy based on present market place conditions. Justin Draeger, president of the National Association of Student Economic Aid Administrators, tells students to brace themselves for the unexpected, “We’re advising our schools to tell students that their subsidized Stafford interest prices are going to be 6.eight% on July 1.”

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Students are increasingly concerned about the ambiguity of the bill and worry no deal will be made in order to address student loan debt. Many students such as Rachel McGovern really feel as although they are becoming ignored, I find it actually frustrating that practically nothing is even becoming brought up, considering that Congress is now in recess,” and “It feels like they are just ignoring student needs right now.”

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John Monderine, CEO of 1 of the nations top commercial debt collection agencies, Speedy Recovery Answer, believes Congress must get their act collectively in order to come up with a remedy, Student loan debt is a burgeoning difficulty amongst young adults and Congress wants to come to a consensus and avert interest rates from spiraling out of handle. While lawmakers are debating amongst enabling rates to rise later versus extending low prices for a year or two, the longer it requires for them to devise a strategy the longer students will be held in limbo.

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Monderine also notes the growing severity of student loan debt, Student loan debt is a main financial crisis inside this country, with far more and much more young adults graduating with debt and unable to attain jobs. This is the second biggest sort of consumer debt out there, behind mortgages. As of 2011, the typical college graduate owed an average of $ 27,000 in student loans.

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Founded in 2006, Fast Recovery Resolution, Inc. is headquartered at the highest point of beautiful Lengthy Island. Fast Recovery Collection Agency is committed to recovering your funds. We think that each debtor has the capacity to pay if motivated correctly. We DO NOT alienate the debtors we attempt to align with them and offer a number of methods to resolve not only your debt but also all their debts. &#13

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US Mortgage Lender aided by “Israeli Intelligence”

Teaneck, NJ (PRWEB) November 17, 2004

When Daniel Altmark, a Staten Island native, decided to relocate his residence to Israel, small did he know that his selection impacted a lot more than just the instant members of his family. At the time, Altmark was lead underwriter at Approved Funding, a direct mortgage lender, who had relied on him for streamlined approvals on their borrowers. An underwriter is the particular person accountable to determine and sign off on the credit worthiness of applicants who apply for mortgage loans. “We were quite content for Daniel on his choice to move to Israel”, recalls Shmuel Shayowitz, Senior Vice President of Approved Funding, “but we had been fairly concerned about our existing loans and new clients”. The organization started to scramble for possible options, but the existing scenario was without doubt their preference.

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With such in-residence underwriting capabilities, Authorized Funding found a niche as a direct lender that was not very the norm in the oversaturated mortgage sector. Most mortgage brokers and modest bankers do not have underwriters and are forced to outsource this task via different costly and time consuming channels. Via in-house underwriting Authorized Funding is able to make their personal credit decisions and rely on frequent sense conclusions when reviewing applications submitted to them for evaluation. “During the refinance boom of 2003, it took most banks far more than four weeks to underwrite a loan, and we had been able to do it in a matter of hours which gave us a considerable edge”, says Uri Dreifus, Approved Funding Vice President of Sales. Altmark, who was promoted from his preceding loan office position inside the firm was educated and educated “on the job”. He was in a position to make use of information and understanding learned at Authorized Funding, to help make judgment calls that other underwriters just would not be capable to make. This capability helped improve the company’s over all approval rating on its loans to more than 90%.

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Altmark’s choice to make Aliyah, to relocate his complete household to Israel after the summer time of 2004, was absolute and each he and Authorized Funding had been forced to make life altering choices. Following significantly study and investigation, the organization and Altmark concluded that with some slight modifications and technological enhancements it would be possible to have Altmark continue underwriting for the company despite being situated in Israel. It is not that uncommon for residents of Israel to commute back to the states for their job. Some companies are capable to develop an international branch within Israel to complete the work by way of computer systems and email, but by no means before had these functions been attempted for the mortgage business. “To my knowledge, this was the first of its kind in our industry for such a core member of the mortgage process”, says Shayowitz. Approved Funding contracted with Independent Personal computer Upkeep, of Clifton, New Jersey to reconfigure their network and set up remote access for Altmark. This would let him the ability to seamlessly connect to the New Jersey operations center and function entirely from Israel with out missing any components of getting offsite. Altmark’s move to Israel came in late August and because its start off, the process has been fairly easy. Mortgage applications and supporting documentation are scanned through a higher energy scanner at the New Jersey operations center of Authorized Funding and are posted to the network for accessibility by Altmark. An e-mail is then sent to Altmark informing him of the new application and often a short overview of the file. Loans are normally reviewed and authorized within hours of their receipt. To everyone’s surprise, the general turnaround time for loan approvals has decreased as a outcome of this system. Without having the distractions of becoming in the office, Altmark is capable to concentrate all of his attention and time on dealing with the files in front of him. The organization has plans on converting some of the other skilled processors in their other offices to become underwriters as well although sustaining Altmarks role as Senior underwriter. To date, all of Approved Funding offices in Passaic, NJ, Brooklyn, NY, Hollywood, FL, Lawrence, NY and Teaneck, NJ use Altmark’s underwriting capabilities through this international partnership. This extended distance connection has turned into a win-win for the firm, Daniel Altmark, and the customers of Authorized Funding.

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Approved Funding is a direct mortgage banker licensed in New York, New Jersey, Connecticut and Florida and originates loans by means of its retail offices and its network of in-property mortgage consultants.

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REIWA Urges Lessors to Take Benefit of the Solutions of Home Managers to Much better Cope With the Overhaul of Residential Tenancies Act


Sydney, AUS (PRWEB) July 05, 2013

Right after 27 years, the State Government of Western Australia has overhauled the Residential Tenancies Act (RTA), updating both the Residential Tenancies Act 1987 and the Residential Tenancies Regulations 1989. The new act, which came into effect last July 1, 2013 seeks to update residential leasing agreements to better reflect contemporary arrangements. Adjustments in the RTA apply to each new and renewed residential lease agreements created this year.

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Actual Estate Institute of Western Australia President (REIWA) David Airey notes that even though some of the new provisions are welcome, these new provisions can be complicated and may not be adequately handled by private owner-managers.

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I would strongly encourage private owners to give serious consideration to handing their properties more than to professional solutions and getting them managed by knowledgeable true estate agents, the president of the house portal mentioned.

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About 60% of Western Australia rental properties are now getting managed by house managers and this figure is noticed to rise in the future as property owners are enlightened about the several advantages home management offers which includes tax positive aspects.

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In the updated RTA, residential tenancy agreements are to be standardised by way of the use of the Type 1AA. Lessors or property managers need to make certain that tenants get a copy of the agreement. And when the lessor or home manager has signed the contract, the tenant need to get another copy inside 14 days soon after it has been signed. The new RTA allows for the insertion of unique clauses but these clauses need to not counteract provisions expressly stated in the new RTA.

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In order to minimise disputes, the new RTA expressly states that property situation reports ought to be ready just before and following the lease period.

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The updated RTA also calls for the application of minimum security requirements for doors and windows. This implies that deadbolts for ground level doors, porch lights in all front doors and suitable locks and latches for windows should be installed in all residential properties for lease. Lessors have two years from July 1, 2013 to completely comply with this provision.

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In the new RTA, tenants are permitted to arrange for emergency repairs must the lessor fail to take action on these inside 24 hours. The tenant can then send the bill to the owner or property manager.

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As an alternative of security bonds becoming lodged in banks, the new RTA calls for the establishment of a centralised bond administrator where bonds need to now be lodged.

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The pet bond, which is pegged at $ 260, will cover all types of pets and shall be utilized for fumigation upon termination of lease.

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The new RTA also introduces a cap on the selection fee which is paid by possible tenants when applying for a rental property. For properties that are becoming rented out for under $ 500 per week, the choice fee is pegged at $ 50. For properties that are getting rented at over $ 500 per week, the choice fee cap is set at $ 100. Need to the lessor and the applicant come to an agreement, the selection charge will be credited to the rent if not, the alternative charge shall be returned to the applicant. Nonetheless, the lessor has the right to preserve the option fee if the applicant is productive but declines to go on renting the home.

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On the situation of databases for tenants, only these tenants which have defaulted on their payment, brought on broken to home or displayed disruptive behaviour in the course of their period of tenancy are allowed to be included in the database. As such, these tenants ought to be informed about which database they are to be incorporated in so that any incorrect data can be contested and rectified.

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In instances of disputes, owners might be represented by property managers in the Magistrates Court. On the other hand, tenants could enlist the aid of non-profit organisations for representation.

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In the previous, a fixed term lease automatically ends upon the agreed date. In the new RTA, both the tenant and the lessor can give 30 days notice for the termination of the lease. Need to each parties fail to give prior notice, only then shall the lease continue into periodic lease.

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For the most recent industry information and industry updates and other developments in the house marketplace, visit REIWA’s web site right now.

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Austin Auto Accident Lawyer Calls Consideration to AAA Study Indicating Hands-Cost-free Devices Generate a Significant Distraction Behind the Wheel


Austin, Texas (PRWEB) July 05, 2013

Austin auto accident lawyer Don R. Cotton nowadays expressed help for AAAs contact to investigate limits on in-car distractions, such as those triggered by voice-operated controls, soon after a new study revealed that hands-free of charge devices divert motorists consideration from protected driving.

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We must uncover ways to limit in-car distractions, simply because we know distracted driving is unsafe and causes accidents that result in injuries and deaths, stated Cotton, a lawyer with The Bob Richardson Law Firm, a private injury firm with offices in Austin and Waco. Had been still understanding a lot more about what constitutes an in-auto distraction and we want to make sure new technology makes cars safer, not a lot more dangerous.

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The AAA Foundation for Targeted traffic Security study Measuring Cognitive Distraction in the Automobile identified that employing voice-activated technologies causes mental distraction, resulting in a significant safety threat, even if a drivers hands remain on the steering wheel and his or her eyes stay on the road ahead. The study was released final month.

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Hands-free of charge devices undermine driver interest since brain function is compromised and reaction occasions slow as distractions and mental workload increase, according to the study. Consequently, drivers can fail to scan the road appropriately and miss visual cues. The result could be that drivers do not see what is proper in front of them, such as traffic signals and people on foot.

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The data from AAA is startling, Cotton stated. With considerably of this technologies in its infancy, theres a lot we dont know. What we do know is that drivers must keep focused on the road ahead and on the conditions about them, no matter what. Common sense also should guide drivers to keep free of charge from the distractions that take their attention away from the task at hand protected driving.

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With vehicle infotainment systems anticipated to enhance fivefold by 2018, AAA known as for action as a outcome of the investigation, according to a press release from the organization. AAA urged the automotive and electronics industries to explore limiting voice-activated technology to core driving activities, disabling voice-to-text technologies whilst the car is in motion and educating drivers about the safety dangers and the accountable use of in-vehicle technologies.

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The suggestions from AAA are certainly worth exploring, Cotton stated. New technologies comes out every day, and even though we know distracted driving is hazardous, have been actually just beginning to find out what makes a driver distracted.

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Information in the AAA study came from a investigation group at the University of Utah, which used cameras, a Detection-Response-Process device and an electroencephalographic (EEG)-configured skull cap to measure drivers distraction levels on a scale of 1 to three. Tasks such as listening to the radio measured a 1, or minimal danger. Talking on a cell phone, either handheld or hands-cost-free, ranked a 2, or moderate threat. Listening to and responding to voice-activated, in-automobile e mail characteristics ranked a 3, or in depth danger.

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We must dedicate ourselves to minimizing the risks of distracted driving whether or not that is by taking advantage of technologies or merely avoiding technology although driving, Cotton said. As well several individuals are getting hurt by something that is fully preventable.

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In 2011, three,331 men and women died in distracted-driving accidents, according to information from the National Highway Transportation Safety Administration, up from 3,092 in 2010. Crashes involving a distracted driver injured 387,000 individuals in 2011.

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Cotton stressed that drivers who trigger distracted driving-associated crashes may be held responsible even if they were employing hands-totally free devices. He urged victims of Texas auto accidents caused by distracted driving to seek advice from with a qualified lawyer such as these at his firm.

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The attorneys at The Bob Richardson Law Firm have the knowledge and expertise to help victims of distracted driving crashes via the legal process and recover the compensation they want and deserve, he said.

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About The Bob Richardson Law Firm

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The Bob Richardson Law Firm is a very respected Texas law firm that assists clients with personal injury lawsuits, as nicely as veterans advantages claims and claims for Social Security disability benefits. Our knowledgeable attorneys handle circumstances involving car accidents, motorcycle accidents, truck accidents, construction accidents, workplace accidents and slip-and-fall accidents, as effectively claims for VA disability compensation, SSDI positive aspects and SSI advantages. The firm features offices in Austin and Waco and assists consumers all through Round Rock, Georgetown, Killeen, Temple, Cedar Park, Lakeway, Taylor, Belton and surrounding Texas communities. The firms principal workplace is located at 812 San Antonio St., Suite 300, Austin, TX 78701 (regional phone (512) 472-5100). To find out more about The Bob Richardson Law Firm, call (800) 880-5100 or fill out the firms on-line get in touch with type.

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Connected Administrator Press Releases

5 Factors Never ever To Tell Your Mortgage Lender When Facing Foreclosure

(PRWEB) December three, 2004

1. Never ever talk about your household finances over the phone with the collection department. What you don’t know is that you are getting qualified and not know it.

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This is the easiest and fastest way to get a turn down. Request a property owners assistance package so that you can submit the call for information.

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two. In no way tell them you are broke. Even although you may possibly qualify for a unique forbearance or modification, you will nonetheless need legal fees and foreclosure cost.

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These costs can not be place back into the loan. Your lender prepaid them to their attorney to commence the foreclosure process.

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three. Never inform them you do not reside in the home. Under FHA guidelines, just before you are granted any exercise, you have to reside in the house. If you have moved out and your home became an investment house, you far better get a person in there with a lease or rental contract ahead of the sale date.

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four. Never ever tell them you are not operating, in most cases you will not be authorized.

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Depending on your sale date, your mortgage lender might not be capable to qualify you for a unique forbearance simply because of the amount of time left.

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If you can’t find a job, I recommend you commence a little organization months ahead of your sale date, make some cash, deposit your revenue and prepare a Profit and Loss Statement to prove earnings. Telling them you get paid cash and you can’t prove it won’t hold water.

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5. By no means tell them the explanation you fell behind is because you mismanage your cash. How do you count on for them to give you a workout when you still have the possible of falling behind once again?

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Copyright Bobby Johnson 2004. All rights reserved.

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Bobby Johnson is a Comprehensive Monetary Planner who speaks on the topic ‘How to Remove Debt and Construct Wealth’, ‘How To Get Triple AAA Credit with The Support From The IRS.’ ‘How Organization Owners Can Save Their Organization Without having Filing Bankruptcy’ he is the author of ‘Four Hours to Economic Freedom’ and ‘Attract More Clientele, Win Back Pass Buyers &amp Make A lot more Money’. Bobby has saved home owners millions by not filing Chapter 13 and exposing the secrets employed by mortgage lenders title in his latest book “How To Save Your Property From Foreclosure and Not Lose Your Mind” http://www.foreclosuremanual.ieasysite.com&#13

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Community Foundation Awards Far more Than $281,000 in Grants To Benefit Older Adults Females and their Kids

Waterbury, CT (PRWEB) July 05, 2013

Connecticut Neighborhood Foundation (CCF) awarded a unique round of grants to benefit older adults. These integrated grants for Waterbury BRASS (Bringing Resources to Action to Serve Seniors), the Wheels Plan of Higher New Milford, and a regional project for Positive aspects Outreach and Neighborhood Choices Counseling. In addition, a grant was offered to Pennsylvania State University School of Hospitality Management for the Continuing Care Retirement Community Project. Funding, which totaled $ 234,226, came from the East Hill Woods Fund which was established to aid older adults age effectively in their communities.

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In addition, Connecticut Community Foundation awarded $ 18,000 in grants from the Womens Fund, (which contains the Fannie B. Wheeler Fund, and the Whittemore Females &amp Youngsters Fund) and an extra $ 29,318 in grants from the Lois Livingston McMillen Memorial Fund throughout its 2013 grant round.

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The Womens Fund offers grants to organizations that supply programs to improve the top quality of life for girls and youngsters in the greater Waterbury location. The Lois Livingston McMillen Memorial Fund is focused on providing grants to organizations that serve girls and youngsters who are victims of physical, emotional or psychological abuse, sexual assault and domestic violence. For a detailed listing of grant recipients, go to http://www.conncf.org/2013-unique-grants-june. For a lot more details, check out http://www.conncf.org, or make contact with 203-753-1315, grants(at)conncf.org.

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Existing Grant Recipients

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Waterbury BRASS (East Hills Woods Fund) &#13

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Is Refinancing Your Mortgage Worth it?

(PRWEB) February 5, 2005

The primary consideration is based on how extended you program to stay in the home.

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Refinancing can be a very good concept for home owners who:

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Want to get out of a high interest price loan to take advantage of reduced prices. This is a great idea only if they intend to stay in the property long adequate to make the additional fees worthwhile. &#13
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Have an adjustable-rate mortgage (ARM) and want a fixed-rate loan to have the certainty of realizing specifically what the mortgage payment will be for the life of the loan. &#13
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Want to convert to an ARM with a lower interest rate or more protective functions (such as a greater rate and payment caps) than the ARM they currently have. &#13
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Want to construct up equity much more speedily by converting to a loan with a shorter term. &#13
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Want to draw on the equity built up in their home to get money for a key obtain or for their children’s education. &#13

If you decide that refinancing is not worth the costs, ask your lender whether or not you could be capable to acquire all or some of the new terms you want by agreeing to a modification of your existing loan rather of a refinancing.

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Should You Refinance Your ARM? In deciding no matter whether to refinance an ARM you must consider these inquiries:

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Is the next interest rate adjustment on your current loan likely to boost your month-to-month payments substantially? &#13
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Will the new interest rate be two or three percentage points greater than the prevailing prices getting supplied for either fixed-rate loans or other ARMs? &#13
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If the present mortgage sets a cap on your month-to-month payments, are those payments massive adequate to spend off your loan by the finish of the original term? &#13
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Will refinancing to a new ARM or a fixed-price loan allow you to spend your loan in full by the finish of the term? &#13

If you reside in Michigan and need to have assistance, please make contact with us.

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(248) 935-8355

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Helping households live far better lives….

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Much more Loan Modification Press Releases

Man Puts ‘Soul’ Up for Auction on eBay

Phoenix,AZ (PRWEB) April 17, 2005

Bruce David had a productive publishing and marketing and advertising organization in Cleveland, OH But a generous divorce court wiped out his share of marital assets and earnings from the sale of his enterprise went south when the new owner never paid.

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While collecting unemployment, the courts tripled his monthly assistance obligation regardless of attempts at filing for a modification. Later, he accepted a job out west and moved only to understand upon his arrival that the job had fizzled. He accepted another job, which necessary one more move only to have that job end soon after three months.

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Regardless of distributing a lot more than 500 resumes, he’s had no accomplishment in obtaining a job another statistic in the declining middle class job market. In the meantime, past due assistance obligations, interest and penalties pile up. It’s not that he doesn’t want to pay, he simply doesn’t have the money to do so.

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According to David, “the courts have an odd formula for figuring support payments. They base it on what you ‘used’ to earn and what your former spouse earns. Now, I can’t go into a bank and ask for a vehicle loan primarily based on what ‘I utilized to earn or what my ex-wife earns,’ but that is why they’ve turned down my modification appeal numerous instances.”

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“Prospects of finding a job that spend well are becoming slimmer in this nation anymore. I’ve heard of many white-collar folks whose jobs are gone for life and they’re taking huge salary cuts just to uncover perform. That’s the explanation I put my soul up for sale I appear to be operating out of possibilities and can no longer afford an lawyer to fight on my behalf.”

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EBay Item#=5573830290

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Make contact with: Bruce David

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bedavid@yahoo.com 480-888-7311

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