Passive Cash Flow Podcast

🎙 Passive Cash Flow Podcast | BUY a Business with ONLY 10% Down?

In this episode of the Passive Cash Flow Podcast, host Aaron Fragnito sits down with finance expert, entrepreneur, and investor George Otel of US Business Funding. If you’ve ever wondered how to buy a cash-flowing business like a laundromat with just 10% down, this episode breaks down everything you need to know—from SBA loans to how to optimize your business for sale.

George has helped 400+ companies secure funding and has structured over $50 million in business loans. Whether you're trying to buy a gas station, car wash, or scale a plumbing business, this episode will show you how to access capital and grow strategically.

📌 Don’t miss the walkthrough of an actual laundromat deal example—and how YOU can do the same.

🧠 Topics Covered:
0:00 – How to Buy a Laundromat with SBA Loan
1:00 – Welcome George Otel
3:00 – George’s Background & US Business Funding
6:00 – How to Prep Your Business for Sale or Funding
8:00 – Buying a Business with Only 10% Down
11:00 – What Makes a Business Lendable?
13:00 – Best Types of Businesses to Buy
17:00 – Car Washes, Contractors & Service Businesses
22:00 – Hiring & Scaling with VAs and Systems
26:00 – Why Every Business Owner Needs a Playbook
29:00 – How to Sell for a Higher Multiple
32:00 – Wrap Up + How to Reach George Otel

📘 About George Otel
George Otel is an entrepreneur, investor, and mentor who has been active in real estate and business finance for over a decade. He’s participated in hundreds of transactions including commercial real estate, partner buyouts, business sales, and SBA lending. As the founder of US Business Funding, George has helped secure over $50M in funding for entrepreneurs nationwide.

📬 Contact George Otel:
🌐 Website: www.usbizfunding.net

📚 Enhance Your Investing Knowledge:
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⚠️ Disclaimer:
This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

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If you're looking to pay ZERO federal Income tax then this episode is for you. Isaac Weinberger joins the Passive Cash Flow Podcast and breaks it down. He is a visionary tax advisor and Cost Segregation Expert Advisor, whose mission is to help property owners reduce tax liabilities and build meaningful connections in the real estate industry. Specializing in cost segregation, he strategically allocates property costs to accelerate tax deductions, having helped clients offset over $200,000,000 in tax liabilities.

Beyond his professional accomplishments, Isaac is passionate about networking and fostering relationships within the real estate community. He's a recognized figure invited to share insights on podcasts and live shows. Isaac is also the founder of "Tuesday Connections," a virtual real estate networking event. He is dedicated to assisting clients by helping them find equity, secure off-market deals, and foster beneficial partnerships. In essence, Isaac is more than an expert; he's a friend, advocate, and connector committed to maximizing tax benefits and building lasting relationships in real estate.
#federalincometax  #realestatetax  #costsegregation

0:00:00 - Introduction & The Trump Tax Strategy
0:05:05 - The Unique Value of Cost Segregation
0:10:08 - Why Real Estate Tax Incentives Exist
0:15:00 - Understanding Real Estate Professional (REP) Status
0:20:28 - The "Lazy 1031" & Bonus Depreciation Changes
0:25:05 - The History & Future of Bonus Depreciation
0:30:10 - Economic Benefits & Final Thoughts
0:33:01 - How to Connect with Isaac Weinberger

Contact Info:
website: isaacweinberger.madisonspecs.com
Email:   [email protected]

Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/

Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
X- https://x.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg

This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

Discover the real story behind rental cash flow in 2025 with note investing pioneer Eddie Speed. With over 40 years in the business and more than 50,000 notes purchased, Eddie explains why rental properties are underperforming—and how switching to discounted mortgage notes can significantly increase your returns.

In this episode:
•Why traditional rental cash flow is declining in 2025
•How seller financing can dramatically outperform renting
•How to structure and sell high-yield mortgage notes
•What non-QM loans are and why they’re key to this strategy
•Real math comparing rental vs. note cash flow in today’s market

Eddie is the founder of NoteSchool, the leading education platform for note investing, and Colonial Funding Group, a private note-buying firm. Together, they help investors learn and implement proven strategies for building long-term wealth through mortgage notes.

Get Eddie’s free training and bonus resources here:
https://NoteSchool.com/PassiveCF

Whether you're a landlord, real estate syndicator, or just exploring passive income strategies, this episode is packed with actionable insights.

#RealEstateInvesting #NoteInvesting #PassiveIncome #EddieSpeed #RentalMarket2025 #MortgageNotes #SellerFinancing #CreativeFinance #CashFlowStrategy

00:00 - Introduction to Notes & Capitalization Rates
02:22 - Eddie Speed's Entry into the Note Business
04:46 - Building a Note Manufacturing System
07:27 - Why Be the Bank? The Rental vs. Note Profit Disparity
11:26 - Understanding Non-Qualified Mortgages (Non-QM)
14:47 - How to Sell Your Seller-Financed Note
18:14 - Notes as a Diversification Strategy
22:00 - The Process of Creating and Selling Notes
26:19 - High Interest Rates and Market Cycles in Notes

Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/

Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
X- https://x.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg

This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

Ash Patel, a full-time Commercial Real Estate investor and managing partner of Invest Beyond Multifamily, transformed his career after 15 years in the corporate world. His journey into commercial real estate began with a pivotal discovery: the superior benefits and passive profit potential of non-residential properties over residential ones.

Over the last 15 years, Ash has specialized in purchasing, developing, and improving diverse commercial assets including retail, warehouse, office, industrial, and mixed-use, consistently achieving extraordinary returns. Known for his hands-on approach and unique method of identifying and enhancing commercial real estate, Ash also mentors aspiring investors through his formal Mastermind group, sharing the strategies for building wealth and passive profit in this lucrative sector.

#CommercialRealEstate
#PassiveIncome
#RealEstateInvesting
#MixedUseBuilding
#ValueAdd

0:00 - Start Here: Mixed-Use & Why Commercial?
1:14 - From IT Guy to Real Estate Investor
3:43 - Why Commercial is Easier & More Profitable
5:56 - Debunking Commercial Real Estate Myths
7:12 - How We Find Mis-Priced Commercial Deals
10:39 - Investing Anywhere: Asset Agnostic Approach
13:00 - The Truth About Triple Net Leases
14:36 - The Power of National Tenants
18:18 - Commercial Interest Rates & Insurance Costs
21:17 - Diverse Commercial Asset Classes
24:27 - Actionable Advice for New Commercial Investors
25:39 - Connect with Ash 

Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/

Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
X- https://x.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg

This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

Want to raise FAST Capital? This video reveals the power of the 'Know, Like, Trust' factor, showing you how to connect with investors on a deeper level. Master these principles to get the funding you need quicker.

Dave Dubeau is a real estate capital-raising expert, author, and podcast host.

Since 2012, he has helped over 200 real estate investor clients raise over $325 million in private capital.

Now, through his new Capital Convo Podcast Service, Dave is helping syndicators leverage a podcast to consistently book 20+ accredited investor meetings a month.

#KnowLikeTrust, #CapitalRaising, #InvestorRelations, #InvestorStrategy, #WealthManagement

Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/

Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
X- https://x.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg

This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

Discover the surprising money mistakes even the ultra-wealthy make and learn how to avoid them with Homer Smith on the Passive Cash Flow podcast with Aaron Fragnito. Gain expert insights into wealth preservation, tax strategies, estate planning, and navigating complex financial transitions to secure your financial future.

Homer Smith is a Private Wealth Advisor with over 23 years of industry experience, Homer has dedicated his practice to working with business owners and families of wealth with complex financial planning needs. His mission is to simplify the lives of his clients by quieting the noise that surrounds them both personally and in their business and allow them to focus on what matters most – their purpose and goals.

Homer has taken the best practices from across the industry and provides a family office framework that is tailored with your needs in mind. Homer develops and implements customized strategies and solutions delivering exceptional value to you and your loved ones. 

What Homer is known for, more than anything else, is helping successful families and business owners navigate life’s most complex, difficult and important transitions.  This might be transitioning from owner operator to just owner, or transitioning the business to the next generation or to an outside buyer, or transitioning their wealth to their heirs and causes they care about in a way that is positive and impactful. 

Homer provides state-of-the-art strategies and solutions with the collaboration of his elite team of professionals. Aside from the Konvergent team, he has established a network of leading authorities nationally to help deliver for you when the time is right.

0:00 - Wealthy Money Mistakes
0:16 - Common Mistakes
5:08 - Top 3 Mistakes
10:05 - Breaking into UHNW
14:57 - The Power of Focus
19:29 - Aligning Your Plans
22:25 - Connect & Outro

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Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/
-━━━━━━━  
Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
X- https://x.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg
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This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

A&E Reality TV Star Dave Seymore joins the Passive Cash Flow Podcast to explain how he was able to land a lead position on "Flipping Boston" for multiple seasons to build his brand and teach people how to flip houses. Dave breaks down everything from how he got selected to the show, the experience of being a participant on a reality TV show, how much he was compensated and how he was able to turn the popularity into multiple businesses. Dave explains his investment firm and Florida developments he's working on as well.

Dave Seymour, a retired 16 year veteran of the Fire Service launched his Real Estate career during the last market crash, rapidly becoming one of the Countries top investors. Dave is considered a leading expert in commercial multi-family and Ground Up Development transactions. His success in business and Real Estate put him on the radar of A&E television network as well as multiple news organizations like CBS, ABC, CNBC, and FOX News. “Flipping Boston” aired on A&E for multiple seasons. Dave is a no nonsense investor with zero tolerance for inefficiency. He has helped accredited investors on their very first deal as well as guided large investment firms through complex transactions. Dave’s unwavering commitment to success is why investors seek his advice and choose to invest alongside his team at Freedom Venture Investments.
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00:00 Dave Seymour from Flipping Boston joins the show
02:06 Reality TV vs. Real Real Estate: Breaking down the myths
05:03 How Dave Landed a TV Show (and why it wasn’t about real estate)
08:18 How Much Money Do You REALLY Make on Reality TV?
11:01 Fame, Ego, and Staying Grounded in the Spotlight
14:51 Transition to Real Estate Development: Post-TV Career Moves
18:15 Why Dave Chose to Invest in Florida
21:07 The Florida Real Estate Boom: Supply, Demand, and Workforce Housing
25:07 Build-to-Rent Model: Future of Affordable Housing
28:36 Pivoting with Inflation: Pickleball Courts and Creative Real Estate
32:05 Final Thoughts: Faith, Luck, and Building Wealth the Right Way
33:26 How to Connect with Dave Seymour and Wrap Up
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Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/
-━━━━━━━ 
Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
X- https://x.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg
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This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

Registered Investment Advisor Andres Sandate with GP Wealth Advisors explains why many savvy investors are diversifying more and more capital into alternative investments and moving away from the volatility of the stock market. Everyone from accredited investors, family offices and institutional investors are seeking under the radar alternative investment opportunities from experienced sponsors. Andres also explains how operators can team up with RIA's, wholesalers and Broker Dealers to raise more capital and gain exposure to more investors.
 
Andres Sandate joined Gramercy Park Wealth Advisors in 2022. In addition to being a financial advisor, he is responsible for alternative investments at the firm. Prior to joining Gramercy Park Wealth Advisors, Andres spent 15 years working in alternative investments across numerous asset classes including private credit, real estate, hedge funds, and other areas of the private markets.

Andres is the founder of Endurance Strategies, LLC, which provides consulting, due diligence, and implementation services to independent RIAs, HNW individuals, and family offices seeking to implement alternative investments in their practices and portfolios. Andres is the host and creator of two successful podcasts focused in non-traditional asset class investing including ATLalts and Asset Backed. 

Andres brings nearly 20 years of experience to Gramercy Park Wealth Advisors across investing, capital markets, investment banking, asset management, and fintech startups. Andres is the current President and a Board Member of the Southeastern Alternative Funds Association (SEAFA). Andres earned his BS and MBA from The University of Kansas and holds Series 7, 66, and 79 securities licenses through GPWA, LLC, Member FINRA/SIPC.
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00:00 Intro
01:35 Alternative Investments Explained by RIA Andres Sandate
05:18 Understanding Different Capital Sources
12:29 Infrastructure and the Costs of Professional Due Diligence
16:26 Understanding the Role and Value of Wholesalers
20:56 Navigating Regulatory Considerations 
24:51 Presenting Your Platform Effectively to RIAs
29:30 The Power of Deals and Scarcity in Fundraising
34:11 Connecting with Andres and Final Thoughts
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Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/
-━━━━━━━ 
Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
Twitter- https://twitter.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg
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This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

Dave McGuire, Co Owner of tax firm McGuire & Sponsel, joins the show to explain how to pay less taxes using a cost segregation study, savvy tax planning, and long term tax strategy. If you are seeking to keep more of your hard earned money and pay less taxes, this episode is for you. Dave McGuire has years of experience helping people implement tax saving strategies that may be unknown to many.

Dave McGuire, co-founder of McGuire Sponsel, is a leading expert on cost segregation, fixed assets, and depreciation law. He has reviewed real estate portfolios ranging in size from six-figure acquisition costs to billions of dollars in value and has provided cost segregation services for companies in a wide variety of industries.

While serving in consulting and management roles with the Big Four accounting firms, he acquired a thorough understanding of the Internal Revenue Code's depreciation provisions. McGuire is the primary resource for alliance firms in regards to how tax law affects depreciation and is also a trainer for Surgent CPE.

McGuire earned a degree in civil engineering from the University of Notre Dame with a concentration in structural design.

MCSP Homepage: Click Here!

Dave's leadership page: Click Here!

Let's Talk Tax page: Click Here!
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Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/
-━━━━━━━ 
Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
Twitter- https://twitter.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg
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This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show

LP Investment Expert and Linkedin Celebrity Aleksey Chernobelskiy joins the Passive Cash Flow Podcast to discuss how new and experienced LP (Limited Partner) investors can determine if an investment opportunity is fairly structured and a smart investment to meet their personal financial goals.

Aleksey Chernobelskiy has reviewed hundreds of LP investment opportunity and can advise LP's if the GP fees are too high, is the structure fair, are the assumptions too optimistic, and how the investment opportunity compares to what else may be available in the LP space. Before you invest in your next LP deal, contact Aleksey Chernobelskiy to review the deal so you can confirm you're investing in the right opportunity for your investment goals.

Aleksey Chernobelskiy advises limited partners (“LPs”) on existing and future investments. He’s also the founder of GP-LP Match, a platform which allows LPs to see deals that match their specific investment criteria right in their inbox immediately after a GP submission. Aleksey writes weekly to 7,000 investors at www.LPlessons.co to explain how to properly vet and think about LP investments in the grand scheme of their portfolios. Aleksey also helps General Partners on matters relating to LPs, such as capital calls or feedback on investment decks.

Prior to advising LPs, Aleksey ran STORE Capital’s $10 billion commercial real estate portfolio and oversaw the firm’s underwriting team. Aleksey graduated from University of Arizona with a quadruple major – Finance, Mathematics, Economics, and Accounting.

Recommended articles:
• Top 15 syndication mistakes - www.lplessons.co/p/top-15-syndication-mistakes
• 26 questions to ask your GP -  www.lplessons.co/p/26-questions-to-ask-your-gp
• Do sunk costs matter in capital calls? - www.lplessons.co/p/do-sunk-costs-matter-in-capital-calls
Find Aleksey:

• LinkedIn: http://www.linkedin.com/in/chernobelskiy
• Twitter : https://twitter.com/chernobelskiy
• Weekly newsletter (LP Investing Lessons): http://www.lplessons.co
• Register for GP-LP Match: https://forms.gplpmatch.com/register 

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00:00 Intro
01:27 Aleksey's Business Model
04:37 Uptick in Real Estate Syndicators
05:54 Feeder Funds
08:16 Due Diligence for LPs
13:15 The Wild West of Syndications
15:32 The Importance of Understanding Your Investments
21:35 Social Media Strategies: Value and Consistency
24:00 Time Investment vs. ROI on Social Media
25:47 Alternative Capital Raising Strategies
27:20 Quality vs. Quantity in Networking
28:26 LinkedIn vs. Twitter: Platform Effectiveness
30:37 Contact Info
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Enhance your real estate investing knowledge !
Learn more at https://www.peoplescapitalgroup.com/
-━━━━━━━  
Website - https://www.peoplescapitalgroup.com/
Facebook- https://www.facebook.com/profile.php?id=100093318587146
Instagram - https://www.instagram.com/real_estate_investments_nj/?hl=en
Twitter- https://twitter.com/PCGrealestate
Linkedin- https://www.linkedin.com/company/peoples-capital-group
Youtube - https://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg
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This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibility of the investor.

Support the show