Mark Bisbee KW Costa Mesa Lori Bowers The Lori Bowers Group
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EXECUTIVE AGENTS OF THE MONTH
Daniel Poon & Krissy Tu Keller Williams Costa Mesa
Keller Williams Costa Mesa
The Lori Bowers Group ExecutiveAgent Magazine
Orange County - May, 2020 Editorials
E XECUTIVE AGENT
The Magic of Positive Thinking -John Boe
Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 297-8323 Fax: (949) 266-8757 Fred@ExecutiveAgentMagazine.com www.ExecutiveAgentMagazine.com
ADVERTISERS’ INDEX Pit-Stop Of Success: The MidYear Review -Bob Corcoran
City of Hope..........................................................34 Finance of America Mortgage.........................2 & 25
Kinecta Federal Credit Union................................15 Michelle Fairless Photography..............................23 NAHREP...........................................................................28
Nothing is Random -Mark Helprin
The Termite Guy......................................................3
Ticor Title Company...................................................36 VAREP.....................................................................29
Dreamers -Chip Lowell
Photography: iPhotography Studio, Michelle Fairless Photography, Rob Paino Graphic Designer: Garon T. Arrias Editorial Manager: Trudy Van Writers: Ben Angel, John Boe, Haley Freeman, Jim Rohn, Walter Sanford, Dirk Zeller, Zig Ziglar Craig Harrison, Simma Lieberman, Chris Widener © Copyright 2020 Executive Agent Magazine. All rights reserved. Reproduction in whole or in part without written permission is prohibited. Although every precaution is taken to ensure accuracy of published materials, Executive Agent Magazine cannot be held responsible for opinions expressed or facts supplied by its authors.
7 Steps to Discovering Your Passion -Julie Jordan Scott
12 ExecutiveAgent Magazine
E XECUTIVE AGENT
Mark Bisbee Written by H. K. Wilson
Broker Associate and Team Leader at Keller Williams Costa Mesa, Mark Bisbee is also a trusted advisor to his clients and an inspiration to his team. With access to the industry’s most innovative technology and business systems, Mark is committed to helping people move toward their dreams.
A native of San Dimas, Mark devoted the first five years of his career to the United States Marine Corps. By the time he was 21 years old, he was a sergeant with 35 men under his command. When he returned to civilian life and was ready to buy his first home, he was underwhelmed by the service he received from his Realtor®, and he saw an opportunity. Mark obtained his real estate license and swiftly earned the title of Rookie of the Year. Mark recalls, “The owner of our office, Gary Hardy, told me he’d hire me if I made a listing and a sale in the first 90 days. He was a big backer of the Mike Ferry program, and he had a clear plan. It was a very simple one-page of what you needed to do. That was it. I worked the plan, and 30 days in, I had my first deal.” More than 15 years later, Mark has successfully negotiated hundreds of transactions while maintaining quality relationships with his clients. Now, in partnership with Productivity Coach Anita Cruz, Mark is creating an environment where real estate professionals thrive and clients receive world-class service. Each morning begins with a team call at 8:30 sharp, where everyone shares their wins and gratitude. “We want this to be a place that people have fun and enjoy going to work. We also want them to be efficient and productive, so we provide all the training and support they need to do that. We’ve created a collaborative
environment where our top agents mastermind with agents who have never sold a house before. My role is a consultative one with our agents, especially as we are entering a shifting market. I can help them identify holes in their businesses in terms of where they need to be saving money or spending money to generate more opportunities. We really want to attract goal-oriented people who think big. If we meet with a recruit and they’re not the right fit culturally, we don’t close them. We’ve worked hard to build a fun, exiting, fast-paced environment, and we want to continue to expand it with the right people. We’d rather have only great people who are in alignment with our goals.”
Helping People Move Toward Their Dreams Mark and Anita have created an effective system to develop new agents. “Basically we ask people, ‘Do you want to make $100,000 in four, six or nine months?’. We give them the blueprint for what they need to do and then do everything we can to support them and hold them accountable.” To give their agents an edge in the marketplace, Mark and Anita are providing expanded services overseen by subject-matter experts. Tony DiCello operates as an investor and mentor; Brian Fox runs staging services; Simon Polito oversees home auctions; and Tom Kadar directs the team’s commercial division.
to his real estate practice, and he will do whatever it takes to ensure that his clients and team members succeed. “I’m a good soldier who executes marching orders,” Mark says. “A lot of what I’ve been fortunate to accomplish goes back to my training as a Marine. I’m disciplined, I have grit, and there’s no stopping me. If someone is struggling with something, they can reach out to me or Anita anytime. Combined, we have 38 years of real estate experience, and we’re here to help.”
In this unprecedented economy, Mark and his team are poised for continued success. “This is going to be a tough few months coming up, but we have the tools and systems in place to help weather the storm. You don’t even have to be part of our organization to receive them. We believe that if we help enough people get what they want, we will get what we want. We come from contribution first. Economy and market don’t dictate income, just the actions you have to take to get to it.” If you want something done right, you can always count on a United States Marine. Mark brings extraordinary discipline, work ethic and dedication
Mark Bisbee Keller Williams Costa Mesa 3100 Bristol Street, Suite 150 Costa Mesa, CA 92626 Tel: 714-469-2553 Email: Mark.Bisbee@kw.com Web: www.markbisbee.co DRE # 01839624
Pit-Stop Of Success: The Mid-Year Review
know you Realtors® do a lot of driving so here’s a driver’s ed question for you: When you’re driving, how often should you check your rear-view mirror? A. Once every three minutes. B. Once every five to seven seconds. C. Once every 10 minutes. D. Never. You should always watch the road in front of you. If you said B, congratulations. Now, how often should you check how you’re doing on the road of real estate -- your business plan? If you just said, ‘What plan?’ keep reading. You have some work to do. Believe it or not, 2020 is almost half over. This halfway mark is a great time to stop and check how you’re doing in your business. Stop and take a look in the proverbial real estate rearview mirror. After all, if you don’t know how far you’ve come, you don’t know how much farther you have to go. Think of it as a strategic pit stop. And these pit stops are just as important as your end-of-the-year assessments. Why? Because if you’re veering off track, it’s best to catch it early before you hit a tree or something worse. 8
But what do you do in a mid-year pit stop? I’ve shared a few tips that might help you make sure you’re still on the road to success for 2020. 1. Check your sales numbers. How are your sales figures looking compared to last year at this time? If they’re less, identify what’s happening to cause that trend. I have a sales tracker I like to use with my clients. Shoot me an e-mail at Article@ CorcoranCoaching.com and I’ll send it to you free of charge. 2. Review your profit and loss statements. The profit and loss statement can be a valuable planning and a management tool because it can help you estimate expected monthly and yearly income (based on reasonable predictions of monthly sales, costs, and expenses). Record your estimates on one copy of the profit and loss statement. As actual numbers come in, record them on a second copy of the statement. Then compare the two pages to find discrepancies between the estimated and actual figures and correct problems as needed. I typically ask clients to send us their profit and loss statements every month because they are such a good management device.
3. Track where your business is coming from. Take a few minutes to jot down exactly what parts of your marketing plan are working and which are not. Don’t hesitate to shift funds from a mediocre medium to one that’s working better for you. 4. Commit to be more focused on dollar-productive activities. If you’re not making headway toward your goals, look at how much of your day is spent on what I call the four dollar-productive activities: listing, selling, negotiating and prospecting. If you’re spending time outside of these four tasks, you may not reach your 2017 goals. Adjust your schedule and get help so that you can concentrate on these items. Don’t rule out getting an assistant. It doesn’t have to be a huge expense. Hire a part-time assistant just to give it a test run. You might find, like many of my clients, that you’ll soon want a full-time assistant.
Let me hear from you. Have you spent time with this question of what is success to you? Do you have a clear definition of success that feels right to you? Do you feel you’re making progress toward that definition? Please send any comments or questions you have to Article@CorcoranCoaching.com or http:// www.facebook.com/CorcoranCoaching. Bob Corcoran is a nationally recognized speaker who is founder and president of Corcoran Consulting Inc. (CorcoranCoaching.com), an international consulting and coaching company that specializes in performance coaching and the implementation of sound business systems into the broker’s or agent’s existing practice. © 2011, Bob Corcoran. All rights reserved. For more information about this article or author, contact Susie@FrogPond.com. For the most current local Housing Trends, go to http://www. HousingTrendseNewsletter.com.
E XECUTIVE AGENT
Lori Bowers Written by H. K. Wilson
as a second language. She eventually yielded to her entrepreneurial nature and worked with her husband to develop the largest lighting company in Iowa. Along the way, Lori bought and managed numerous rental properties, and she eventually relocated to California. By the time Lori obtained her real estate license in 2000, she had already bought and sold 39 properties of her own. During her first five months as a Realtor®, she sold 29 homes — and not to her friends. “I loved it,” she says. “Many people tried to warn me how hard it was, but they did not know how hard lighting was. I married Dr. Ted Bowers in 1999, and we moved from the Bay Area to La Quinta in 2001. I knew no one, and through hard work and advertising in free handout tabloids, I sold 51 houses my first year.”
ori Bowers, Broker-Owner of The Lori Bowers Group in La Quinta, grew up in Iowa, where she enjoyed a childhood filled with friends and books. Her love of adventure inspired her to travel to Lima, Peru as a high school exchange student. There, she learned fluent Spanish, a skill that has been an asset throughout her life. Lori’s father invested in real estate and maintained rental properties, so she developed an interest in the business at a young age. After graduating summa cum laude from Morningside College in Sioux City, Lori taught Spanish and English
As if Lori didn’t already have the golden touch, she met Tom Ferry at a seminar and secured him as her coach. By 2005, she was the number one agent in the Coachella Valley. Her team continued to grow, and by 2009, she employed 36 agents. Today, Lori prefers to operate as a solo agent with one licensed Realtor® who assists with open houses. The vast team of support professionals that she has nurtured over the years, including her escrow officer, title rep, lender, handyman, painter, cleaners, gardener and other tradespeople, continue to provide best-in-class service to her clients. “I think the people who gravitate to small brokerages are seeking more individual attention. I enjoy personalizing their listings and service. My listings go out to all the same websites, and I have access to all the same training as agents in big companies. But I’ve been in small business my whole life, and I like being in a position to really get to know my clients.”
At Home in the Coachella Valley Lori’s brand, The Lori Bowers Group, is a household name in the Coachella Valley, and she has maintained her office in Old Town La Quinta for over 10 years. Lori has sold more than 2,600 homes in the region, and she knows every neighborhood and every street. Over the years, she has developed affirmative relationships with her peers who know her reputation for professionalism, honesty and fairness. The respect she commands in her profession is an asset to her clients when she is negotiating terms on their behalf. A client who has bought and sold numerous homes with Lori described her as “honest, enthusiastic, professional, caring and knowledgeable.” Lori’s warmth and generosity draw people to her and cause her clients to return again and again. “I like to connect with people,” Lori says. “Once they buy a house and move here, I invite them to parties and events to meet people and build a life. I have a ladies’ lunch once a month to just talk with other women who are friends and past clients. It is a great way to connect people. For many years, I did a charity event where we collected shoes for kids in Coachella at Christmas. We collected over 200 pairs of shoes and held a golf tournament with a luncheon and silent and live auction where we raised approximately $5,000 each year.” Lori still loves travel and adventure, and she says that she has been just about everywhere in the world except Australia and New Zealand. She enjoys visiting her son in Hawaii, where she also holds a real estate broker’s license, and visiting her daughter and extended family in Arizona. When she is at home,
she loves to cook and entertain friends. Real estate remains her life’s passion, and she considers it her hobby as much as her profession. According to Lori, there is nothing better than helping others find a place to call home in the community she loves. “I like that small town feel here; it’s all about connecting with people. I love how friendly and genuine the people are. We have sunshine every day. You know the people when you go to the post office and the grocery store. This is a safe community. We have lots of retired people, but the younger people here are very respectful. It’s easy to get around with minimal traffic. And best of all, it’s affordable. That’s one of the reasons I wanted to move here to sell real estate. There are homes available at all price points. You can still buy a nice house for around $300,000, or you can buy a luxury estate for $15 million. It’s wonderful to be in a place where you love to live and also enjoy your work.” Lori Bowers – Broker/Owner The Lori Bowers Group 78065 Main St. La Quinta, CA 92253 Tel: 760-831-1595 Email: email@example.com Web: http://loribowersgroup.com DRE # 01293735
7 Steps to Discovering Your Passion
ven before the first tip, you simply must get out a notebook, journal, piece of paper, napkin... SOMETHING to write on to save your discoveries! These tips will only help if you pursue them, so please either take a moment to find writing tools NOW or print this out and promise yourself to complete this exercise later. It may take you some thinking time to get it done... and now... here are your tips...
or your SPOUSE wants or your third cousin twice removed, but what do YOU want your headstone to say?)
1. Find Your Joy Factor Look at the whole of your life history. When did you experience the most sustained period of Joy? What were you doing then? Where were you? Who were you with? How did it feel?
6. How does your Joy factor overlap with your favorite things and the areas in which you excel? Do the areas in which you excel bring YOU joy, or are they really for someone else.....do you see which are obvious matches, and which do not fit? Those that overlap, that bring YOU the most Joy, are most likely the things that would bring you into Passionate Living.
2. What Are Your 3 Most Favorite things to do? If you had a free day with NO commitments, where would you be found? What would you be doing with whom? 3. In what area do you excel? (NO MODESTY ALLOWED HERE!)Truly, what are you complimented on a lot? This could be ANYTHING. 4. What do you most want to be remembered for? If you were designing your epitaph, what would you want it to say? (NOT what your Mom wants, 12
5. If you had a magic wand, what would you change about your life TODAY? How would it look compared to how it looks now? Which aspects of your life ARE changeable, both short term and long term?
7. What is the first even teeny tiny step you can take to living out your Passion as you have defined in #6? Take some time to really think this one through... concentrate and focus, and then you will be able to start the next step... BUILDING YOUR ROADMAP. By Julie Jordan Scott
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To Learn More About the Pacific West Association of REALTORS®, Please contact Lalaine Castillo at firstname.lastname@example.org.
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kinecta.org/construction-to-perm Membership requirements apply. NMLS (Nationwide Mortgage Lending Service) ID: 407870. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant’s credit history, and other financial circumstances that may apply. 23761-07/19
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Written by H. K. Wilson - Photography Jerry Phim
aniel Poon and Krissy Tu are the energetic force behind Encore Group KW - the number one producing group at Keller Williams Costa Mesa. With their combined experience of more than two decades in California real estate backed by Keller Wililams’ leading edge technology and agent support, they and their team are delivering comprehensive, customer-focused service to buyers and sellers in Orange County and beyond. Daniel is the Team Leader of the group, and together they lead and mentor their group of over 10 agents, all the while having fun and inspiring each other to achieve their goals. After graduating with a degree in Business Administration from CSUF, Krissy jumped into a career
in mortgage home loans during the housing boom. She went on to work as an escrow officer before finally acquiring her real estate license in 2007. Krissy says, “I learned a lot of the steps of the entire real estate transaction, and I think it really helps our clientele, since I am able to educate and advise them every step of the way.” Also equipped with a Business degree from UCR and a Culinary degree from Le Cordon Bleu, Daniel followed his passion in food and enjoyed a successful first career as a R&D Chef for one of the world’s largest seafood manufacturers. Inspired by Krissy’s success in the real estate sector, he joined her in 2011 and earned his own real estate license.
Together, Daniel and Krissy helped hundreds of families buy and sell properties, which allowed them to pave their own path into real estate investments and owning multiple rental properties. In 2012, they began buying, rehabbing, and flipping properties and discovered that they shared a talent and passion for putting homes back on the market in pristine condition. They have since turned over 70 properties on their own, and in 2019, they started their own construction & design company, Westcliff Construction. “With nearly a decade of flipping, we realized that contractors are not always reliable, and that was one of the hardest challenges in our business,” Daniel explains. “We wanted to take control of that aspect.” They have since overseen dozens of home remodels and have consulted on the design of dozens more. Going
forward, their construction focus will be solely on custom home development and luxury remodels. Daniel continues, “With our construction business, we have a partner that runs the operations side and crew. Our role is more on the business development side, which is integrated with our real estate practice.” Due to Southern California’s ever-increasing housing shortage, Daniel and Krissy are helping clients build secondary housing on their properties, also known as Accessory Dwelling Units, or ADUs. “If someone has a large lot, they can build an ADU for rental income or to house extended family members,” says Krissy. “We see it being a big boom in the next few years, so we’re building a mini-team whose only focus will be ADUs.”
BUILDING ON PASSION According to Daniel and Krissy, what makes them so successful as a husband-and-wife duo is their complementary skillsets and their mutual accountability. Daniel says, â€œWe always want to improve on the business and grow as professionals. There is never a point where we have to question each other. We know our goals, and we each take care of what needs to be done. Then we come back and collaborate to see how we can improve together as a team.â€? Daniel and Krissy have a young daughter and son, and
their dream is that their children will one day take over the real estate legacy they are building. Since real estate is more like a hobby than a career, they enjoy taking the kids along to construction sites and inspiring them to think about the exciting careers they could have in the housing sector. Daniel and Krissy are currently building their own custom home in Fountain Valley, a project that involves the whole family. In spite of their demanding schedules, they also make time to give back to the community, and they regularly take on charitable projects.
With their exceptional work ethic, positivity and commitment to excellence, Daniel and Krissy prove that when you follow your passion, anything is possible. Daniel says, “Early in my career, I thought I wanted to cook food, but as a job, I found I didn’t have the passion for it. My passion for real estate has allowed me to take myself and my business to the next level.”
“We love what we do, and we show people that by taking care of them and treating them right, we’ll continue to earn their respect and referrals,” Krissy adds. “You can definitely achieve big goals as long as you never stop dreaming big!”
Daniel Poon & Krissy Tu Encore Group â€“ Keller Williams Costa Mesa 3100 Bristol St. Ste. 150, Costa Mesa, CA 92626 Tel: 714-720-6088 - Email: email@example.com - firstname.lastname@example.org Web: www.encoregroupkw.com - DRE # 01897213 / 01817251 ExecutiveAgent Magazine
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re you setting goals that others want you to achieve or are you setting them just for you? Many times, what we think we want out of life is really what our Mom or Dad told us we should want. Sometimes, it’s looking around at our friends, seeing what they have, and thinking that’s what we should want, too. When you set a real goal for yourself, make sure the reasons you write down as to why you want to achieve it is powerful enough to make you take action consistently towards it. We have lots and lots of people sign up for our online goal setting software that cancel (yes, they even cancel the free membership) because they feel overwhelmed by action item email. Action Items that users themselves set up to remind them to take action toward a goal. If you look at your to-do list
and feel “AAAAAAAAAAAAAAAHHHHHHHHHHHH, too much!” You might want to revisit your overall goals. If the actual taking action is too stressful, you may not really want to achieve a particular goal or two. Drop anything that seems stressful for now. Set goals that make you feel good! And taking action towards them makes you feel powerful! Then, the goal is really one of your dreams -- and not someone else’s. Have a great Day! Chip Lowell By Chip Lowell, creator of MyMotivator helps you achieve your goals with powerful and easy web based Goal Setting software -- Sign up and start taking action today!
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WHO WE ARE Established in 2011, the USA Homeownership Foundation, Inc. DBA Veterans Association of Real Estate Professionals (VAREP), is a nonprofit 501(c)(3) organization dedicated to increasing sustainable homeownership, financial-literacy education, VA loan awareness, and economic opportunity for the active-military and veteran communities.
WERE HELPED THROUGH VAREP CARES
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OUR FIVE POINT PLAN 1. Homeownership Advocacy – Advocate nationally to develop programs that reduce barriers to homeownership in the military and veteran communities. 2. Community Outreach – Foster responsible homeownership in the military and veteran communities by providing housing education and counseling services. 3. Professional Membership – Provide a place where real estate and financial service professionals can share ideas, get educated, and be empowered to better serve the real estate needs of service members, veterans, and their families. 4. Veteran Job Creation – Provide employment opportunities through posting on our military and veteran job board. We are also working on creating awareness among companies to include veteran-owned businesses in their supplier diversity program. 5. Affordable Housing – Provide affordable home buying opportunities for veterans and service members who have gone through VAREP’s homeownership education counseling services.
info@VAREP.net | w w w .VAR EP. n e t | 951-444-7363 VAREP IS A 501.C.3 NON-PROFIT ORGANIZATION AND YOUR CONTRIBUTION IS TAX DEDUCTIBLE. USA HOMEOWNERSHIP DBA VETERANS ASSOCIATION OF REAL ESTATE PROFESSIONALS TAX ID: 45-2458485
The Magic of Positive Thinking
es, there is magic in positive thinking! In aviation, the word attitude means the angle at which the plane meets the wind, whether the wings are level with the horizon, and whether it is climbing or descending. The pilot who fails to take responsibility for the attitude of his aircraft is in serious trouble. And likewise, any person who has not taken charge of his or her own beliefs and attitudes runs a similar risk. The key to cultivating and maintaining a positive mental attitude is to take control of your thinking and avoid negative minded people. It’s a challenging task to develop a calm, focused mind, but well worth the effort. Every setback and failure you experience also comes with a great opportunity. When one door closes, a window of possibility opens. The key is to look for the opportunity and avoid dwelling on failure. Think thoughts of defeat and you are bound to feel defeated. Your attitude is not determined by circumstances, but by how you respond to those circumstances. You determine your attitude; you
always have the choice to respond either positively or negatively. What happens to a person is less important than what happens within them. The great inventor, Thomas A. Edison, was known for his positive mental attitude. In December 1914, the Edison Laboratory in West Orange, New Jersey, was almost entirely destroyed by fire. Edison lost $2,000,000 worth of equipment and the records of much of his life’s work. The morning after the fire, as the 67-year-old inventor walked among the ashes, he was anything but defeated. Looking around, he remarked, “There is great value in disaster. All our mistakes are burned up. Thank God we can start anew.” Yes, there is magic in a positive attitude! John Boe, based in Monterey, CA, is recognized as one of the nation’s top sales trainers and motivational speakers. He helps companies recruit, train, and motivate salespeople to achieve peak performance. John is a leading authority on body language and temperament styles. To view his online Video
Nothing is Random
othing is random, nor will anything ever be, whether a long string of perfectly blue days that begin and end in golden dimness, the most seemingly chaotic political acts, the rise of a great city, the crystalline structure of a gem that has never seen the light, the distributions of fortune, what time the milkman gets up, the position of the electron, or the occurrence of one astonishingly frigid winter after another.
Even electrons, supposedly the paragons of unpredictability, are tame and obsequious little creatures that rush around at the speed of light, going precisely where they are supposed to go. They make faint whistling sounds that when apprehended in varying combinations are as pleasant as the wind flying through a forest, and they do exactly as they are told. Of this, one can be certain. And yet there is a wonderful anarchy, in that the milkman chooses when to arise, the rat picks the tunnel into which he will dive when the subway comes rushing down the track from Borough Hall, and the snowflake will fall as it will. How can this be? If nothing is random, and everything is predetermined, how can there be free will? The answer to that is simple. Nothing is predetermined; it is determined, or was
determined, or will be determined. No matter, it all happened at once, in less than an instant, and time was invented because we cannot comprehend in one glance the enormous and detailed canvas that we have been given - so we track it, in linear fashion, piece by piece. Time, however, can be easily overcome; not by chasing light, but by standing back far enough to see it all at once. The universe is still and complete. Everything that ever was, is; everything that ever will be, is - and so on, in all possible combinations. Though in perceiving it we imagine that it is in motion, and unfinished, it is quite finished and quite astonishingly beautiful. In the end, or rather, as things really are, any event, no matter how small, is intimately and sensibly tied to all others. All rivers run full to the sea; those who are apart are brought together; the lost ones are redeemed; the dead come back to life; the perfectly blue days that have begun and ended in golden dimness continue, immobile and accessible; and, when all is perceived in such a way as to obviate time, justice becomes apparent not as something that will be, but as something that is. Winterâ€™s Tale by Mark Helprin
Our bone marrow transplant reunion is now standing room only. Each year, City of Hope invites bone marrow transplant recipients and their families to attend the “Celebration of Life” event. It’s a joyous time during which survivors of blood cancers such as lymphoma, leukemia and myeloma embrace their health, their life and each other. It began more than 35 years ago when City of Hope created what is now one of the largest and most successful bone marrow transplant programs in the world. In fact, we’ve completed over 11,000 transplants and, according to national reports, our outcomes are among the best in the nation. The goal of curing cancer isn’t just something we work at. It’s what we live for. If you have cancer, make us your first call. Or ask your doctor for a referral. We accept most insurance. 800-826-HOPE
WE LIVE TO CURE CANCER. Science saving lives. cityofhope.org/bmt
11/25/13 6:02 PM
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