[Nfb_of_georgia] Fwd: [Nfb-fundraising] FW: Fifty-Three Ways for Board Members (and Others!) to Raise $1000

Stancil Tootle stootle at juno.com
Tue Jan 11 22:19:34 UTC 2011


FYI

Peace Stancil Tootle

Begin forwarded message:

> From: "Everett Gavel" <everett at everettgavel.com>
> Date: January 11, 2011 12:09:02 AM EST
> To: <nfb-fundraising at nfbnet.org>
> Subject: [Nfb-fundraising] FW: Fifty-Three Ways for Board Members (and Others!) to Raise $1000
> Reply-To: NFB Fundraising Mailing List <nfb-fundraising at nfbnet.org>
> 

> Hello,
> 
> I sent a few messages to my state affiliate’s list yesterday, with
> fundraising articles full of ideas.  I should’ve copied this list on them,
> too.  Better late than never, though.  So here you go.   ;-)
> 
> 
> Strive On!
> Everett
> 
> _____________________________________________
> From: Everett Gavel [mailto:everett at everettgavel.com] 
> Sent: Monday, January 10, 2011 4:56 PM
> To: 'ohio-talk at nfbnet.org'
> Subject: Fifty-Three Ways for Board Members (and Others!) to Raise $1000
> 
> Here are some more great ideas to help our affiliate thrive, rather than
> merely survive financially.  Pick one or two of your favorites and let’s get
> to work.  Let’s see what kind of positive cashflow we can report back on at
> the next affiliate board meeting in April.  And hey, we don’t need to leave
> it up to just the board members.  In fact, if we do, we will not survive!
> So jump in, the water’s, well, okay fine, the water’s really really frigid.
> Stay out of the  water.  Are you crazy?  It’s January!  Why would you jump
> in the water in January?  Sheesh.  Now, let’s catch ourselves on fire and
> warm things up!  Below are 53 fire-starters for you. 
> 
> Strive On, and We Shall Thrive On!
> Everett
> 
> 
> Fifty-Three Ways for Board Members to Raise $1000
> by Kim Klein
> 
> Source:
> http://www.grassrootsfundraising.org/howto/v15_n1_art03.pdf
> 
> Grassroots Fundraising Journal Reprint
> 1-888-458-8588 
> 3781 Broadway, Oakland, CA, 94611
> www.grassrootsfundraising.org 
> 
> 
> All good fundraising plans have one thing in common:
> they show a diverse number of sources for their
> income. The board of directors plays a crucial role in selecting,
> implementing, and evaluating fundraising strategies.
> 
> In addition to other ways that board members may participate
> in fundraising, they individually commit to raising
> and giving a certain amount of money, or commit to working
> by themselves on specific strategies with no financial
> goal attached.
> 
> It is a good idea for board members doing fundraising
> on their own to write up their plans. This “contract” allows
> staff to know when they might be called on to help, ensures
> that events don’t happen on the same day or the same
> donors aren’t solicited by several board members, and also
> helps to remind board members of their commitments.
> 
> In order for this method to work, the organization or
> the board fundraising committee should think of many
> specific ways board members could actually raise money
> by themselves. The fifty-three ways suggested below are not
> an exhaustive list, nor will they all work for every group.
> 
> Few board members could use all fifty-three ways, but
> almost any board member should be able to use two or
> three of them.
> 
> All of these methods have been used by different volunteers
> in a wide variety of organizations. Some methods
> are much more popular then others. Some depend on
> access to certain resources.
> 
> Presenting board members with fifty-three ways that
> would work for your organization helps counter the excuse,
> “I would help but I just don’t know what to do.” Having
> each board member write out a plan, with goals and a timeline,
> also gives them a sense that if they do their best with
> this plan, they will have helped significantly. Many board
> members feel that fundraising is never ending, and that no 
> amount of effort is enough. “Whatever I do, I could have
> done more and probably should have,” they say. This feeling
> of inadequacy leads to high turnover, burnout, and resentment
> in boards. Specific fundraising contracts can help 
> avoid that result.
> 
> Following the description of the fifty-three ways board
> members can raise funds, there is a suggested format for a
> contract and examples of some completed contracts.
> 
> 
> 1. Give it yourself. This is the easiest way for those who are
> able, although if you are able to give this much money you
> should be helping to raise much more than $1000.
> 2. List all your friends who are interested in your organization or
> similar organizations. Decide how much you want to ask each
> one for. If you are not sure of an amount, use a range.Write
> to them on your own stationery, include a brochure from
> the organization and a return envelope. Phone those people
> who don’t respond in two weeks. Some people will need 10
> friends to give $100, and some people need 50 friends to
> give $20. Most people will need a combination of gifts of
> $100, $50 and $25.
> 3. Give part of the $1000. Then ask your friends to join you in
> giving $50, $100, or whatever amount you gave. This is
> most effective because you are not asking them to do anything
> you haven’t done.
> 4. Set up a challenge campaign. Challenge gifts can be quite
> small. Tell people you’ll give $5 for every $25 they give, or
> will match every $50 gift up to ten gifts. For added suspense,
> make this challenge during a fundraising event. You
> or the host can announce, “We now have the Dave Buckstretch
> Challenge. For the next five minutes, Dave will give
> $5 for every new member that joins Worthy Cause.”
> 5. If your organization has several grassroots fundraising strategies
> in place, use them all:
> Sell 100 raffle tickets (@$2) . . . . . . . . . . . . . . . . . . . . . . .
> . $200
> Give $200 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> . . . . . . . $200
> Sell 10 tickets to the annual event (@ $25) . . . . . . . . . . . $250
> Buy two gift memberships (@ $25). . . . . . . . . . . . . . . . . $ 50
> Get 12 friends to join (@ $25) . . . . . . . . . . . . . . . . . . . . . .
> $300
> 6. Help with your organization’s phone-a-thon. Bring the names
> of people you think would like to join and call until you
> have raised $1000. Or trade names with someone in the
> organization and call their friends until you have reached
> $1000. This is particularly effective for people who are shy
> about asking their own friends for money but are not afraid
> to ask people they don’t know.
> 7. Acquire mailing lists for your organization. If you belong to
> another group, perhaps you can set up an exchange, or perhaps
> you have access to a list of members of some other
> group. You can ask all your friends to give you the names of
> 10 to 15 people they think would like to join. You would
> need to recruit about 25 members at an average gift of $40.
> Depending on how “hot” your list is, you might need as few
> as 200 names (to do a bulk mailing) or as many as 1500-
> 3000 (if you expect a 1–2% response). You would have to
> have a greater response if you wanted the mailing to pay for
> its costs and also generate $1000.
> 8. Give the organization something they need that is worth $1000,
> such as a new computer, filing cabinets, couch, software
> program, etc.
> 9. Pledge $28 a month, and get two others to do likewise.
> 10. Teach a seminar on a topic you know: fundraising, knitting,
> organic gardening, organizing, proposal writing, environmental
> impact reports, gourmet cooking, dog grooming,
> starting your own business. Charge $50-75 per person, with
> a goal of 15 to 20 people. Either absorb the cost of promotion,
> or have enough participants to cover it.
> 11. Give some or a lot of things to your organization’s garage sale,
> making sure they are worth $1000, and then help to sell
> them all.
> 12. With four or five friends, have a spaghetti dinner at a temple,
> church or union hall or other big room with a large kitchen.
> Charge $10 per person and feed more than 100 people. You
> can charge extra for wine or garlic bread, or for dessert.
> 13. Have a fancy dinner at your home or a regular dinner at someone’s
> fancy home. Serve unusual or gourmet food,
> or have special entertainment. Charge $40 or more per
> person, and have 25 or more guests.
> 14. Get three friends to help you have a progressive dinner. Start
> at one person’s home for cocktails and hors d’oeuvres,
> progress to the next person’s house for soup or salad, the
> next person’s for the main course, and the last person’s for
> dessert. Either charge by the course or for the whole package.
> To make it extra special (and much more expensive),
> get a limousine for the evening that carries guests from
> house to house, or have live music at each site.
> 15. Host a house party. Do not charge admission and invite as
> many people as you can. During the party, give a short talk
> about your organization and ask everyone to consider a gift
> of $25, $50, $100 or more (depending on the crowd). Either
> pass out envelopes and ask people to give then, or after the
> party contact everyone individually who came and ask for a
> major gift. Indicate that you have given and, if appropriate,
> how much you have given.
> 16. Get your gambling friends together. Charge a $5 entrance
> fee and have a poker evening, asking that every “pot” be
> split with the organization. Individuals win and so does the
> organization. You can charge extra for refreshments, or
> include one or two glasses of something with the price of
> admission. (Watch the laws in your community on this one.
> In some communities it is illegal to gamble, even in your
> own home.)
> Grassroots Fundraising Journal Reprint: The Board of Directors 27
> 17. Do one fundraising event every other month. This might look like:
> Poker Party. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> . . . . $200
> Fancy dinner (8 people × $50). . . . . . . . . . . . . . . . . . . . . $400
> Sell 50 raffle tickets @$2 . . . . . . . . . . . . . . . . . . . . . . . . .
> . $100
> Book sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> . . . . . $200
> Recycle newspapers . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> $100
> 18. Solicit small businesses, churches, synagogues or service clubs
> for $1000. If you are active in a church or you own your own
> business and are involved in business organizations or service
> clubs, this can be very effective. You can often raise
> $200-$1000 with a simple proposal and oral presentation.
> 19. Take a part-time job in addition to your present work and give
> everything you earn up to $1000.
> 20. Ask five to ten people to save all their change for three to five
> months. You save yours. Count it at the end of the prescribed
> time and use one of the other methods to raise the rest.
> (You may not need to.)
> 21. Ask two to five friends to help you put on a bake sale, book
> sale, or garage sale. You and your friends bake the goodies or
> get the books or the other stuff required for the sale, staff it
> and clean up afterwards. This is an excellent way to get people
> involved in fundraising without ever actually asking
> them for money.
> 22. For the fairly rich: Give your organization $13,000 as an
> interest-free loan for a year. They invest it, earn 8%, and at the
> end of the year, they give your $10,000 back.
> 23. Sell your organization’s materials, buttons, T-shirts, bumper
> stickers, or whatever else they have for sale. Also, help distribute
> these to bookstores or novelty shops.
> 24. The Farming Out Method: Entice five friends to sell 100 raffle
> tickets at $2 each, or invite ten friends to raise $100 however they
> like. Share this list of suggestions with them. Give them a
> nice dinner at the successful end of their efforts (or a bottle
> of good wine, or a weekend away).
> 25. Get a famous or popular person to do a special event. Watch
> the costs on this, or you may lose money.
> 26. Invite people to your birthday party and ask that in lieu of gifts
> they give money to your organization.
> 27. Conduct a volunteer canvas. For one evening, you and a
> group of friends take literature to all the neighborhoods
> around you and ask for money at the door. Be sure to comply
> with city and county ordinances.
> 28. Lead or get someone to lead a nature walk, an architectural
> tour, a historic tour, a sailing trip, a rafting trip, or a horseback
> ride. Charge $15-$25 per person, or charge $35 and provide
> lunch. Advertise the event in the newspaper to draw in people
> from outside your organization.
> 29. Start a pyramid dinner, or a chain dinner. Invite 12 people
> and charge $12 each. Get two people of the twelve you
> invited to invite 12 people each at $12, and two people from
> each of those two dinners to have 12 people at $12, and so
> on.Here’s the income:
> Your dinner $12 × 12 . . . . . . . . . . . . . . . . . . . . . . . . . . . .
> $144
>> From your dinner $12 × (12 + 12) . . . . . . . . . . . . . . . . $288
>> From those dinners$12 × (12 + 12 + 12 + 12) . . . . . . . $576
>> From those dinners $12 × (12 × 8) etc.
> Twelve is used in this example because it worked very well
> for the Nuclear Freeze Campaign in California, which was
> Proposition 12. In many communities, most of the income
> for the campaign was generated by 12 × 12 dinners.
> 30. Collect cans for recycling. Ask all your friends to save their
> cans and bottles for you and turn them in to a buy-back
> recycling center.
> 31. Sell your frequent flyer miles to friends or donate them to the
> organization for a raffle.Watch the rules of the airline on this,
> but some airlines let you give away miles, and you may be
> able to sell your miles as long as you don’t go through a
> mileage broker.
> 32. If you live in a nice house or own a getaway cottage in a beautiful
> place or an expensive city, rent it out for a week or a weekend
> two or three times during the year and give the proceeds to your
> organization. Or rent a room in your home for much less
> than the cost of a hotel room to people needing a place to
> stay while they are on business in your city. You may even
> make a new friend in the process.
> 33. Organize a service raffle. Get four people (one can be you)
> to donate a simple but valuable service that many people
> could use and sell raffle tickets for $10-$20 each. Keep the
> price a little high so you don’t have to sell so many and so
> that the buyers have a higher chance of winning. Services
> can include childcare for a weekend or for any weekend
> night two weekends in a row; one day of housecleaning;
> yard work; house painting (interior or exterior), etc. Sell the
> tickets to neighbors, work mates and to other board members.
> Encourage people to buy several by offering discounts
> for multiple purchases, such as one for $10, 2 for $20, but 3
> for $25, 4 for $35, 5 for $40. If you are really bold or live in a
> more affluent area, or have few friends, sell the tickets for
> $50 each. A full day of housecleaning for $50 is a real bargain,
> and buyers have a high chance of winning with fewer
> tickets sold.
> 34. Offer to do something your friends and family have been nagging
> you to do anyway and attach a price to it. For example, quit
> smoking on the condition that your friends donate to your
> group, or get your friends to pay a certain amount for every
> day you don’t smoke for up to 30 days. Agree to match their
> gifts at the end of thirty days if you didn’t smoke and to give
> 28 www.grassrootsfundraising.org • 1-888-458-8588 • 3781 Broadway, Oakland,
> CA, 94611
> them their money back if you did. (This method could be
> applied to other healthy behaviors, such as exercising or not
> eating sugar.)
> 35. Find out what items your group needs and try to get them
> donated. This is good for people who really hate to ask for
> money but who don’t mind asking for things that cost
> money. Items that one can sometimes get donated include
> computers, office paper and other office supplies, office furniture
> (second-hand from banks and corporations as they
> redecorate), fax machines, adding machines, food, even cars.
> 36. If you or someone you know owns a small business that has
> regular customers who receive a catalog or announcements of
> sales, write them an appeal letter for the organization. Your letter
> can say something like, “You are one of my best customers.
> As such, I let you know about sales coming up and
> good things happening in my store. Today, I want to tell you
> about another good thing—what I do when I am not minding
> the store.” Then go on to describe the group and ask for
> a donation.
> 37. Similar to #36, post this letter on your Web site. Link to the
> organization’s Web site and ask people to donate.
> 38. If the organization doesn’t have a Web site or doesn’t keep
> their Web site up, ask all your techie friends to donate $100 each
> and hire a Web Master.
> 39. Give it yourself. (This is so good I have to say it twice.)
> 40. Strategy with a long-deferred payoff (we hope): leave the
> group a bequest.
> 41. With similar hopes as above, get friends to include the group in
> their wills.
> 42. Ask friends who belong to service clubs, sororities, antique collecting
> groups, support groups, bridge clubs, etc. to discuss your
> organization in their group and pass the hat for donations. A
> once-a-year sweep of even small groups can yield $100
> from each.
> 43. For the church-going: ask if your organization can be a “second
> collection.” The church passes the plate for its own collection
> and then you or someone from your organization gives a
> brief talk (or sometimes the whole sermon) about your
> group and the plate is passed again; the proceeds go to your
> group.
> 44. A variation on the above is to organize a “second collection
> Sunday” and get as many churches as you can to take up a second
> collection for your organization on the same Sunday. Someone
> from your group will need to be at each service and give a
> brief talk. Second collection Sundays can be very lucrative:
> the Catholic Campaign for Human Development collects
> as much as $20 million on one Sunday in all the participating
> Catholic churches in the United States.
> 45. If, as a child, you collected something avidly that you now
> store in a basement, consider selling it. Coins and stamps are
> particularly valuable and have usually increased in value
> over the years. But your collection of rocks, toy ships or
> rockets, arrowheads, or dolls can also be valuable. When
> you donate the income from the sale, you can deduct that
> amount from your taxes—an added bonus of this strategy,
> since you probably paid little or nothing for the items in
> the collection.
> 46. Have a sidewalk sale or garage sale for your whole neighborhood
> or building. Go around to your neighbors and tell them
> you will take their stuff outside and sit with it all day to sell
> it if they will donate half or all of the proceeds to your
> group. Since this is stuff people want to be rid of anyway,
> it is a good deal for them. In one apartment building with
> ten units participating in donating stuff, an organization
> netted $3,000 in one day. Three people from the organization
> helped with the selling. With a few high-ticket items,
> such as a washer/dryer or some nice lamps, you can make
> good money.
> 47. If you have an artistic bent, offer to design greeting cards to
> specification for organizations or individuals for a fee. If you are
> good at calligraphy, sell your skills to schools for graduation
> announcements, friends for classy but low-cost wedding
> invitations, or just fun certificates such as “World’s Greatest
> Dad” for Father’s Day or “Outstanding Friend.” Create
> unique Halloween costumes or masks. Donate the proceeds
> from your artistry.
> 48. Create a take-off on the “adopt-a-highway” technique by naming
> budget items of your group as available for adoption. You
> could develop a flyer that reads, “The following items have
> been found near death from negligence and abuse. Won’t
> you help? $25 per month will ensure that our computer is
> maintained. $100 per month will release our photocopy
> machine from toiling with no toner and a dying motor. (We
> can lease a new one.)”
> 49. An idea for people who live in border towns: Get permission to
> place a large container in stores or even at the airports of towns
> near national borders. Have a sign that asks people (in several
> languages) to throw in any coins or paper money they have
> not exchanged.Many times people leaving Canada or Mexico
> don’t have time to exchange all their money or cannot
> exchange their loose change. Multiply this times hundreds
> of shoppers or travelers and you can make a lot of money.
> UNICEF does this in many European airports.
> 50. Hold an “I’m Not Afraid” Auction. You can do this with just
> a few friends or hundreds of people if you have enough
> items to auction. You survey a few people (and use your
> own common sense) about what things need to be done in
> their home of office that they are afraid of or would really
> Grassroots Fundraising Journal Reprint: The Board of Directors 29
> rather not do. This is different from a service auction—
> there has to be an element of dread in the activity. For
> example, some people cannot wash their windows because
> their apartment is too high or the second story of their
> house is too high and they suffer from vertigo. If you are
> not afraid of heights, you can sell your window-washing
> service (bring a sturdy ladder). This goes for drain cleaning,
> minor roof repairs, antenna fixing, etc. Or, if you are
> unafraid of cockroaches or spiders, you can offer to clean
> out that dark corner or garage or basement for a small fee.
> Snakes can be found in gardens and woodsheds, but maybe
> that doesn’t bother you. The problem doesn’t need to be as
> serious as phobia. How about allergies to dust, pollen,
> weeds? If you don’t have them, you can mow, sweep, clean
> for a fee. By marketing it as an “I’m Not Afraid” Auction,
> you also have the option for people to name something
> they need done to a group of volunteers, and then have a
> volunteer say, “I’m not afraid to do that.” In that case, you
> will need a set fee for service.
> 51. Similar to the suggestion above is the “Details Auction.” This
> is for all your friends whose desks are overflowing with
> papers or who can’t get their receipts in order to give to the
> tax preparer or who complain they can never find anything.
> If you are a well-organized person, offer to clean up their
> desk, get their Rolodex in order, file their papers, etc. If you
> like to shop, sell that to people who don’t and do their holiday
> shopping for them, or buy birthday, baby shower or
> niece/nephew presents for them. Anything that people feel
> they cannot control is the organized person’s fundraising
> dream come true.
> 52. Find out which of your friends (perhaps this is true for you
> also) work in corporations with matching gift programs. Then ask
> them to donate and get their gift matched for your organization,
> and ask them to ask their co-workers to donate and
> get their gifts matched.
> 53. Think of a store or service related to your organization or
> where a lot of your members shop. Ask the store to donate a
> percentage of profits for a certain day or week, or even forever.
> You can also explore this with mail-order firms. Then
> you advertise widely to friends, family and members that
> Joe’s Florist will give 2% of each sale during Valentine’s
> weekend to anyone identifying themselves with your group.
> As you can see, almost all of these strategies involve
> asking for money and giving money yourself. These are the
> basic premises of fundraising—you must ask, you must
> give. Everything after that involves creativity, imagination
> and a sense of fun.
> Here are three examples of how people filled out
> similar agreements. Their names and organizations have
> been changed.
> Example 1
> I, Matthew Cornwall, will help Community Organizing Project to
> raise $250.
> My gift: $5/month = $60
> I will also:
> 1. Ask four friends to pledge $5/month. I hope at least 2 will say
> yes, which makes $120. No help needed.
> 2. I will sell $70 worth of raffle tickets. (If any of my friends win
> the cash prize, I will ask them to donate half of it.) No help
> needed. I will ask my friends by May, and sell the raffle tickets
> before the drawing. You can also ask me to help with other
> events if you need me.
> Signed: _______________________________________________________ .
> Sample agreement form to be filled out by volunteers:
> I, __________________________________________________________ ,
> will help Effective Organization raise $ __________________ .
> My Gift: $ ______________ .
> Indicate how payment of this gift is to be made. (i.e. by pledging
> monthly or quarterly, or one lump sum, etc.)
> I will also:
> 1. ___________________________________________________________
> Goal: $ ___________________ .
> Staff help needed: _____________________________________ .
> Date of event: _____________________ .
> Date to begin planning event: __________________________ .
> 2. ___________________________________________________________
> Goal: $ ___________________ .
> Staff help needed: _____________________________________ .
> Date of event: _____________________ .
> Date to begin planning event: __________________________ .
> I am interested in more training in fundraising. ___ YES ___ NO
> You may contact me for other fundraising efforts. ___ YES ___ NO
> Samples of Fundraising Commitments by Board Members or Other Volunteers
> 30 www.grassrootsfundraising.org • 1-888-458-8588 • 3781 Broadway, Oakland,
> CA, 94611
> Example 3
> I, Carol Benson, will help the Advocacy and Action Task Force
> to raise at least $500.
> My gift: $50 paid in one lump, as soon as I can.
> I will also:
> 1. Solicit a new computer for our office. I will work on this until
> March.
> 2. If that fails, I will solicit a fax machine. (I know some people in
> the office supply business so I think I might succeed.) I will
> work on that until May. No staff help needed, I don’t think, but
> if there is, I’ll give plenty of notice.
> 3. If the above two fail, I will have a barbecue at my house on
> the Fourth of July. At least thirty people will come and pay $10.
> Goal: $250 (I will take $50 out for my expenses.) Staff help
> needed to send out invitations and prepare food.
> 4. I will get two other board members to help me do a big bake
> sale at Suburban Shopping Center. We will get all the baked
> goods donated and be there all day Sunday, June 14.
> Goal: $200 (maybe more)
> Maybe I’ll do the last two anyway even if the first one or two are
> successful. Don’t plan on it, though, and don’t ask me to do anything
> else unless you are truly desperate.
> Signed: _______________________________________________________ .
> Example 2
> I, Jane Mahoney, will help the Women’s Rights Organization raise
> $1000 in the next calendar year.
> My gift: $250, paid in one lump sum in January.
> I will also:
> 1. Organize and teach a seminar on organic gardening. I plan to
> have 20 people come at $25 each. I will pay for advertising.
> Goal: $500
> Planning: I will need some help finding a free room for the
> seminar, but no other staff help is needed.
> Date of seminar: March 15.
> Date to begin planning: Jan. 15.
> 2. I will contribute my couch to the garage sale. It is worth $100,
> but I will sell it for $50. I will buy a classified ad in the city
> newspaper telling people where to come to look at it. I will also
> help at the sale.
> Goal: $50
> Date: Whenever the garage sale is.
> Planning: I need the staff to tell me the date of the sale a
> month in advance so I can get the ad in the paper.
> 3. I will work on the phone-a-thon. I will bring the names of 25
> people and call them myself that evening, and will call anyone
> else I have time for.
> Goal: 20 people actually joining @ $15 = $300
> Date: June 15
> Planning: No staff help needed for my participation in the
> phone-a-thon.
> Note: I plan to go $100 over my $1,000 goal, so that in case something
> goes wrong I will still make my goal.
> Signed: _______________________________________________________ .
> 
> 
> Kim Klein is co-publisher of the Grassroots Fundraising Journal.
> 
> Source:
> http://www.grassrootsfundraising.org/howto/v15_n1_art03.pdf
> 
> 
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Fed Collapses Mortgage Rates
If you owe under $729k, you probably qualify for Gov't Refi Programs
http://thirdpartyoffers.juno.com/TGL3141/4d2cd766a29985f705dst05vuc


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