Cash flow
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Revenue
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Down
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Posting: 284316 | Available | 12/15/23
A Hospice agency in Dallas, Texas, is available for sale. This established agency has an office in Fort Worth, a clean license, and is ready to bill immediately with a PTAN in hand. It holds CHAP Accreditation and covers Region 3, including various counties.
Asking Price
$250,000
Cash flow
Call/Email
Revenue
Call/Email
Down
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Posting: 278684 | Available | 8/1/23
This established, turnkey, 15+ year Allstate Agency is located in the Bronx/Manhattan area of New York. This $4.5M earned premium agency consists of a preferred auto/homeowner customer base with an excellent opportunity for growth in cross-sales and life/financial services.
Asking Price
$1,275,000
Cash flow
Call/Email
Revenue
Call/Email
Down
Call/Email
Posting: 278634 | Available | 7/27/23
For sale is an established 35-year Allstate Agency in Beautiful Rock Hill, SC - near bustling Charlotte, NC. This $3.5M agency consists of a preferred auto/homeowner customer base with an excellent opportunity for growth in cross-sales as well as life/financial services.
Asking Price
$799,000
Cash flow
$820,385
Revenue
$1,534,719
Down
Call / Email
Posting: 273978 | Available | 9/13/22
Exceptional turnkey opportunity to own a lifestyle/leisure business in the golf world. Golf nuts around the country have increased the # of rounds during and coming out of the Covid pandemic, and this business has enjoyed great growth prior to, during, and coming out of the Covid pandemic,
Asking Price
Call / Email
Cash flow
$225,886
Revenue
$541,975
Down
$652,500
Posting: 285858 | Available | 4/23/24
This business is perfect for the PCOC who wants to instantly grow their business. Currently registered in 8 counties and highly profitable. High cash flow, amazing reputation with fabulous reviews. Been in business for over two decades. Residential and commercial.
Asking Price
$725,000
Cash flow
$40,450
Revenue
$506,249
Down
$150,000
Posting: 286130 | Available | 4/23/24
Asset Sale Opportunity: Unlock the door to your culinary dreams with this enticing opportunity! Nestled in the heart of Sacramento this charming restaurant is now available for acquisition. Boasting a warm ambiance and a reputation for exquisite cuisine.
Asking Price
$150,000
Cash flow
$46,623
Revenue
$381,554
Down
$35,000
Posting: 286109 | Available | 4/26/24
This is a rare full-service salon in the heart of a bustling neighborhood an inviting full-service salon located in a prime area close to multiple apartment buildings and hotels, in a historic location. Offering a range of luxurious services including haircuts, balayage, highlights, nails, etc.
Asking Price
$89,000
Cash flow
Call/Email
Revenue
Call/Email
Down
Call/Email
Posting: 285056 | Available | 4/25/24
Experience the epitome of elegance and refinement at our renowned establishment, where breathtaking views, exquisite dining, and a romantic ambiance converge to create an unparalleled dining experience. It is recognized as the Inland Empire's premier destination for romance and ambiance.
Asking Price
$2,500,000
Cash flow
N/A
Revenue
N/A
Down
Call/Email
Posting: 286093 | Available | 4/28/24
This is an FDA Registered Manufacturing Facility for: Dietary Supplements, Food, Alcoholic Beverages, Beverages, Coffee, Tea, Dressing & Condiments. Get the chance to start a ready to go Dietary Supplement Manufacturing Facility and Co-Packing / Contract Manufacturing Facility. Huge Potential!
Asking Price
$249,000
Cash flow
N/A
Revenue
N/A
Down
Call/Email
Posting: 282202 | Available | 4/25/24
For an asset sale is a boba and snack shop. This shop has a very good rental rate ($1,900) and is located in the busy shopping center. The size of the store is 600sq. There's a 4-foot-long type 1 hood. Due to the asset sale, finances will not be available.
Asking Price
$99,999
Cash flow
$219,950
Revenue
$219,950
Down
$2,900,000
Posting: 283295 | Available | 4/28/24
This Silverlake restaurant and bar with liquor, onsite parking, and excellent street visibility boasts what may arguably be the most coveted outdoor patio in the area. The venue has 3 dining areas that open into an adjacent bar and outdoor patio. The corner property is included!
Asking Price
$2,900,000
Total Investment
$100,000
Min Liquid Cash
$80,000
Net Worth
$100,000
Posting: 284068 | Available | 4/24/24
S.A.M offers individuals and companies of all sizes the opportunity to fulfill a passion for nurturing young minds while running a profitable and rewarding business. Our program uses the two-pillared approach of Classroom Engagement and Worksheet Reinforcement.
Franchise Fee
$25,000
Cash flow
$24,090
Revenue
$346,943
Down
$149,000
Posting: 285852 | Available | 4/23/24
This is an exceptional chance to acquire an established day spa, fully equipped and ready to go. 7 treatment rooms, prime location, ample parking and reasonable rent. As well as experienced employees and a large database of loyal clientele who have been enjoying the spa's benefits for over 15 years.
Asking Price
$149,000
Cash flow
$50,000
Revenue
$380,000
Down
$154,900
Posting: 284866 | Available | 4/25/24
This is your opportunity to own a Baskin Robbins ice cream store in Sunny San Diego County. Baskin Robbins is the #1 ice cream franchise in the World. The store opened in July 2017. The current owner purchased the store in January 2019. It is located in a great shopping center.
Asking Price
$154,900
Cash flow
$200,000
Revenue
$1,046,000
Down
$181,250
Posting: 284627 | Available | 4/23/24
New Pricing! These are ten FedEx home & ground delivery routes for sale for $725,000. Currently grossing at $1,046,000 + and has estimated adjusted cash flow of $200,000 + per year. This includes 10 FedEx delivery vehicles that are worth an estimated $313,000 and 11 employees (FT & PT) in place.
Asking Price
$725,000
Cash flow
Call/Email
Revenue
Call/Email
Down
Call/Email
Posting: 284472 | Available | 4/24/24
This is an exceptional restaurant & banquet facility for sale! This is a full-service banquet facility with ABC Type 47 liquor license & ABC Type 58 for catering. They have a seating capacity of over 360. There is vast parking space for guests and it is easily accessible from major freeways.
Asking Price
$4,500,000
Total Investment
$69,000
Min Liquid Cash
$59,000
Net Worth
N/A
Posting: 285583 | Available | 4/28/24
Own your very own Quick Mart convenience store. It is better than a 7-Eleven and Circle K. There are no monthly fees and no franchise fees, just a one-time payment of $99,999. Training to run your store usually takes just 3 days. Business opportunity fee: $20,000 included in $99K.
Franchise Fee
$0
Cash flow
300,000 plus
Revenue
$730,720
Down
Call / Email
Posting: 276160 | Available | 3/12/24
This profitable water purification supplies and services business serves the technical, hospital, medical, and dialysis industries of north/central California and western Nevada, including companies like Tesla. Established in 1997. Annual sales are projected to well exceed $600,000 in 2022.
Asking Price
$899,000
Cash flow
$360,663
Revenue
$450,798
Down
$105,000
Posting: 286163 | Available | 4/24/24
Are you ready to make a meaningful impact on hundreds of children while running a successful business from the comfort of your own home? Imagine being at the helm of a thriving enterprise that's transforming the educational landscape in the Bay Area.
Asking Price
$1,050,000
Cash flow
$175,000
Revenue
$525,000
Down
$300,000
Posting: 276123 | Available | 4/23/24
Must see a 100% wet cleaning plant located in West Hills near high-income Woodland Hills, Calabasas, and Bell Canyon. This is an 11 year-old, 1,200 sq. ft. plant, including shirt laundry. Most of the equipment is newer. No chemicals -- environmentally safe -- all work done in-house.
Asking Price
$500,000
Cash flow
$200,000
Revenue
$1,012,000
Down
$750,000
Posting: 284802 | Available | 4/23/24
These are nine FedEx home & ground delivery routes for sale for $750,000. Currently grossing $1,012,000+ and has an estimated adjusted cash flow of $200,000+ per year. Includes 11 FedEx delivery vehicles worth an estimated $368,000 and 10 employees (FT & PT) in place.
Asking Price
$750,000
Cash flow
$475,000
Revenue
$3,000,000
Down
Call/Email
Posting: 267141 | Available | 4/23/24
For sale are two bagel and sandwich shops that are available. They are in excellent commercial areas that have a hospital and residents that are high and middle-income. 2022 Year to Date made approximately $3 Million / Pandemic approximately $2.7 million plus 2020.
Asking Price
$1,675,000
Cash flow
$403,371
Revenue
$1,264,609
Down
$1,500,000
Posting: 285940 | Available | 4/23/24
This business specializes in providing leisure tours and charters in distinctive vehicles, catering to a niche market. As a lifestyle business, they excel in curating unforgettable experiences for special events in their customers' lives. The job is highly desirable, there is low staff turnover.
Asking Price
$1,500,000
Cash flow
Call/Email
Revenue
Call/Email
Down
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Posting: 278808 | Available | 4/28/24
The established 2-year agency is located in a desirable location. This 2.1 million earned premium agency is consistent with a preferred auto/homeowner customer base with an excellent opportunity for growth in cross sales as well as life/financial services.
Asking Price
$511,450
Cash flow
$1,900,000
Revenue
$9,500,000
Down
Call / Email
Posting: 271089 | Available | 4/26/24
Profitable commercial construction general engineering contractor, with recurring Fortune 500 customers, over 50 employees, and extensive equipment and vehicles. In San Francisco Bay Area. Customers consist of major telecommunications and other Fortune 500 companies throughout Northern California.
Asking Price
$8,000,000
Cash flow
Call/Email
Revenue
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Down
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Posting: 279812 | Available | 4/28/24
This well-established award-winning Agency has been serving the Wilmington area since 1986. The office is located between several major cities on the East Coast and has a diverse population of many rich cultures and communities.
Asking Price
$680,000
Cash flow
Call/Email
Revenue
Call/Email
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Posting: 285604 | Available | 4/28/24
For sale is a brand-new home health care agency located in Fresno, CA. We have an Accreditation Commission for Health Care (ACHC) home health agency. This home health care agency is fully licensed by California DPHS-Accredited by ACHC-Medicare Provider, and ready to bill.
Asking Price
$375,000
Cash flow
$180,000
Revenue
$550
Down
Call/Email
Posting: 274482 | Available | 4/28/24
Top brand blinds, shades, shutters, etc retail. Easy to operate profitable and potential business even without advertisements or marketing. Ideal location on a high-traffic major street and the hub of Silicon Valley. Increasing sales yearly with many repeat & new customers. Price was lowered.
Asking Price
$200,000
Cash flow
N/A
Revenue
N/A
Down
N/A
Posting: 286166 | Available | 4/23/24
A brand new home health agency is available for sale. The sale includes the initial state license approved by CDPH. The license is fully transferable and is approved for the following counties: LA, Orange, San Bernardino, Ventura, Riverside, and San Diego.
Asking Price
$60,000
Cash flow
Call/Email
Revenue
Call/Email
Down
Call/Email
Posting: 278573 | Available | 4/28/24
For sale is an established agency in Aiken County South Carolina with a great business climate. The agency has an excellent retention ratio of 90% + and a very profitable loss ratio. The agency consists of preferred auto/homeowners with a great opportunity to grow in cross-sales.
Asking Price
$833,000
Cash flow
N/A
Revenue
N/A
Down
Call/Email
Posting: 285637 | Available | 4/24/24
This is a great opportunity to get into the bar business. This establishment has been around for over a decade. The neighborhood bar is located in a vibrant setting surrounded by multiple restaurants and other bars. This bar is known for creative and fun cocktails. A local iconic spot with regulars.
Asking Price
$399,999
Cash flow
$1,000
Revenue
Call/Email
Down
Call/Email
Posting: 286097 | Available | 4/23/24
Limited opportunity to launch an eco-friendly industrial coating business and take advantage of a dynamic growing industry. Sellers have acquired new equipment, obtained tentative permit approval and upgraded electrical system of leased facility. Sellers have not launched operations - yet.
Asking Price
Call/email
The Veld Group provides a refreshing approach to Business Brokerage, Mergers & Acquisitions and Business Consulting and Valuations. From Your Street to Wall Street, we cater to Main Street Businesses as well as more complex Strategic Firms and Start-Ups.
ServingSouthern California
I am the Founder Of BizBen.com. I consult daily with intermediaries, business buyers, owner/sellers & advisors daily about buying and selling California small to mid-sized businesses. Contact me today about joining & utilizing BizBen, consultations, & advisory services.
ServingNationwide - All Areas
I am an experienced entrepreneur, attorney, & business professor. I & my EvergreenGold® team offer business owners sound advice & expertise to build business value & achieve profitable sales. Call me today for a business evaluation & SWOT analysis for your business anywhere in the USA.
ServingNationwide
McGovern Escrow Services, Inc., is a leading independent escrow company. We are a trusted partner with our clients, assisting them through the tangled bulk sale & liquor license transfer process. We provide attentive, quality & innovative customer service. Phone Elizabeth McGovern at 415-735-3645.
ServingSan Francisco Bay Area, North Bay, Central Valley
Laundry consulting, due diligence, buyer representation: We preview laundries for you and evaluate them. 28 years laundry industry experience: buying, selling, valuing, retooling, analyzing, consulting services for laundry buyers and entrepreneurs in California. Contact us today about our services.
ServingSouthern California
Cheryl's a restaurant business broker, over 25 years in the bar and restaurant industry coupled with a J.D. Cheryl works tirelessly to create successful strategies and effective negotiations for those who wish to purchase a new or sell an existing bar, restaurant, cafe, or night club. 415-309-2722
ServingCity Of San Francisco
For over 25 years Peter Siegel, MBA has been providing niche business purchase financial advisory and loan placement services with SBA Loans, Non SBA Financing, Retirement Plan Conversions, Note Restructures, etc. Call me regarding business purchase financing and to get pre-qualified: 925-785-3118.
ServingNationwide - All Areas
If your business involves alcoholic beverage sales, we can help. Obtaining a liquor license transfer or selling a business with a license in California does not have to be a frustrating and overwhelming process. We have procured thousands of licenses for our clients.
ServingAll Of California
Financing a business purchase, or getting cash for a down payment can take many forms. Hopefully the options listed below will give you some ideas where you can find the money to buy a California business!
A potential small business owner/seller asks the question: I have a preschool and am thinking about selling it but my lease is ending soon. What would be the best thing to do? Do I renew the contract or do I act the landlord to sign a contract to the new buyer? and is it a good time to sell?
The likelihood of selling a business is often determined by external factors in the marketplace. Here are eight influences on how easy, or difficult it might be when selling a small business. Peter Siegel discusses these factors in a BizBen.com article.
One of the strategies for selling your business to a very cautious buyer is to relate the price to performance of the company in the months after the buyer takes over. Peter Siegel with BizBen.com explains this strategy.
Don't buy a laundry business before reading these 5 tips to maximize your investment. You'll soon be able to buy a laundry with confidence! Peter Siegel, MBA with BizBen.com discusses this topic.
The three most widely used sources of funds for financing business purchase assets are buyer's cash, seller financing, and SBA bank loans. Peter Siegel, MBA with BizBen.com and an SBA loan consultant & placement specialist explains the differences between them.
Before you buy a dry cleaners small business, read these critical tips about this industry. Discover why a dry cleaner needs to be "green" to be profitable. Peter Siegel, MBA (BizBen ProBuy, ProSell Program Advisor) explores this topic and other helpful strategies on buying a dry cleaning store.
Laundromats undeniably represent a fantastic business opportunity. They offer high returns and require minimal hours, making them an attractive investment. Even during severe economic downturns, laundromats prove resilient as they provide an essential life service, but why do laundromats fail?
For Laundromat investors looking to enter the industry, these are challenging times. This significant industry that is surging due to "smarter" equipment, cleaner spaces, more staff, & the larger payback for offering a better customer experience. But, brokers & sellers have unrealistic valuations.
The coin-operated laundry business has undergone significant changes, evolving beyond its traditional model. Laundromats are now transforming into comprehensive "laundry businesses." This shift reflects a broader approach that goes beyond mere self-service coin-operated machines.
Chuck Post hosts these live FREE online webinars on Buying A Card or Coin Laundry. These webinars occur every Weds at Noon. Have your questions ready for an open and honest discussion about both the Pro & Cons of the Vended Laundry Business. RSVP or for more info phone Chuck at 619-227-5711 direct.
The laundry business offers all of those rewards of business ownership, with much fewer headaches than with most other businesses. However buyer beware - Chuck Post, laundry broker and consultant covers several mistakes many first time laundry buyers commit when buying a California laundromat.
Many Californians want to buy a coin laundry because it's a business that doesn't require full time owner attention and because, as an all cash business, the owner is always paid before the service is provided. But there are a few misconceptions about the business and a buyer should have the facts.
When investing in a laundry business, there are two methods. One is preferred, but the other is far more common. If you are considering entering into a new industry, like most now entering the laundry industry, you want to have a good understanding of both opportunities. Chuck Post explores both.
Chuck Post, a leading laundry expert with over 37 years of developing laundries, retooling, and rebranding hundreds of existing laundries, tells investors how to search, find, evaluate, and do good laundry due diligence laundries for acquisition. A must read for new investors & current operators.
Laundromats and coin operated Laundromats are popular choices among business buyers as they often can be successfully run as an absentee run business. You need to be strategic about when you sell your Laundromat so you don't get taken to the cleaners by a buyer and so that you maximize your profits.
Laundry buyers and investors should expect both challenging times and opportunities for success in 2022 and 2023. Chuck Post, Laundry Industry Advisor explores growth opportunities, equipment advances, industry challenges and trends all laundromat buyers and investors should know about.
Coin operated laundry for sale (also referred to as a laundromat), which typically can yield a 20% to 30% profit (before taxes, interest, depreciation and amortization) on gross revenues to the owner. Peter Siegel, MBA with BizBen.com discusses this topic on buying small to mid-sized laundromats.
Utility rates are on the rise. I am getting calls from laundry owners complaining of the costs, asking for ideas. So what is the answer? What is the best approach in combating these costs? Chuck Post, laundry consultant discusses strategies for keeping coin laundry utility costs under control.
Are you thinking of selling your California vending route? More business buyers than ever before are looking to buy such a business. Peter Siegel, MBA with BizBen.com discusses tips for selling your vending route.
Buying a professional service business, like a dental practice, is one of the most profitable ventures you can enter into if you are considering becoming a small business owner. In this blog, Peter Siegel, MBA discusses six things you need to know about buying a successful dental practice or office.
Entrepreneurs who think they want to buy a towing business need to have some idea of what to look for when examining businesses for sale in this industry. The assets, including tow trucks and perhaps the property where towed vehicles are stored, determine much of the value of this kind of company.
Buying a day care for sale is a dream for many people. Here, you'll learn how to successfully negotiate the purchase of a day care for sale to make that dream a reality. Peter Siegel with BizBen.com covers this topic.
There are several things to consider when placing a value on a preschool. Businesses that are regarded as leading preschools in their area can go for premium prices so know what you have so a potential buyer can't take advantage of your lack of knowledge. Peter Siegel with BizBen.com explains.
If you are open to exploring the franchise opportunities available the commercial cleaning industry is an area you should consider. Commercial cleaning franchises are quickly becoming a popular choice among business buyers and here are my 6 reasons why you should consider buying one.
Buyers interested in buying a janitorial cleaning business will find companies in this industry for sale that are quite profitable. Careful due diligence, including the six factors covered in this blog post, is advised before completing a deal. Peter Siegel, MBA with BizBen explores this industry.
One of the most important steps in buying a business is doing your due diligence. When buying a California winery, there are three major areas to focus your attention during this period of research. Learn about these three factors in this BizBen blog post on wine industry due diligence for buyers.
A business buyer in the BizBen ProBuy Program asks how to handle the inventory amount in the purchase price of a business. Other questions answered in this article: Do you add the inventory value to the business value? Should the owner be expected to take back a note for the value of the inventory?
How does the laundromat business look as we enter this changing environment? Is it still as easy to operate a laundry and be profitable? Is it still the American Dream Business that it has been known to be? Yes, but… Chuck Post, Laundry Advisor & Consultant initiates this BizBen Discussion post.
We are finding that many laundry buyers and investors are not being given true light to selected elements of value or there are inconsistencies in the interpretation of these elements of value. This common error needs to be addressed. In this BizBen Discussion we address many of those factors.
Chuck Post a laundry consultant, specialty broker, buyer representative & due diligence advisor starts this discussion on why it's important to have an exit strategy in mind while buying a laundromat! He & others explain why this concept is so important for buyers especially in the laundry business.
However all the laundry listings are asking 4X to 5X multiple for an asking price! Is this reasonable, standard? We are are looking buy either a coin or a card laundry and want to pay a "fair" price. What factors go into valuing a laundry business these days? Multiple Advisors answer this question.
When buying an Elderly Care Home what should potential buyers always ask the broker or owner before proceeding? Find out in this Discussion on BizBen. Items buyers of elderly care homes will want to know more about why the seller is moving on, average length of stay, placement fees paid, etc.
A business buyer asks about the viability and purchase of a home health care service and about the future of this industry - Peter Siegel, MBA takes on this question with other ProIntermediaries & Advisors on BizBen regarding the home health care industry and it's future for potential buyers.
I would like to start this discussion and see what other BizBen Users feel about (and possible contribute to this list via a comment and replies below) what items/questions/information buyers should be thinking about during the due diligence and buying process of manufacturing related businesses.
Is a dog grooming business for you? Business broker Joe Ranieri ponders this question with BizBen viewers and answers this question along with other intermediaries and advisors. Some replies cover: brick and mortar vs. mobile, licenses & certifications, maintaining and growing a clientel, etc.
The only time to get an exact and accurate inventory count, and valuation, is at the time the business is being transferred. To do so beforehand, would mean that any merchandise sold after inventory is taken, but before close of escrow - Peter Siegel, MBA with BizBen & others discuss this topic.
Buying a liquor store can present some major challenges to business buyers - a recent client on the BizBen ProBuy Program relates to Peter Siegel, MBA what the major challenges may be when searching for and buying a Californa liquor store business. I welcome other Advisors to weigh in on this topic.
Buying a gas station can be a profitable business. From my experience, here are the pros & cons of buying a gas station that I share with BizBen ProBuy Buyers when they come to me to to get pre-qualified for financing to buy a gas station (with or without real estate). I discuss all these factors.
How much money should you expect to make when buying an automatic car wash? Peter Siegel, MBA (BizBen ProBuy Program Director and Business Purchase Financing Expert) explains with other brokers, intermediaries, and advisors info on this topic.
This is a hard question to answer specifically without any knowledge of the business. What kind of car wash it is (auto, self-serve, or full service)?, How many bays does the car wash have? Is there any other streams of revenue? We discuss this topic regarding car washes on this BizBen Discussion.
Before purchasing a car wash (quick serve or full serve) you must understand that the industry as a whole will provide you with plenty of competition. More importantly, depending on what your interests are, you will identify what type of car wash you want. We discuss this all in this Discussion.
Doing due diligence when buying any type of business is extremely important. Regardless of what type of business you are buying there are certain things you will always look at such as, financials, equipment, legal issues etc. We take a look at several angles for optimal gas station due diligence.
In this Discussion, we define financing options available to potential restaurant buyers when purchasing a small to mid-sized restaurant business (with or without real estate). When it comes to financing a restaurant purchase, potential restaurant buyers have several options to choose from.
Buying a small to mid-sized restaurant can have many pitfalls, and potential restaurant buyers should know how to avoid getting burned! Several restaurant advisors weigh in with (Peter Siegel, MBA at BizBen) and discuss tips for buying a restaurant in California.
Was chatting with a potential buyer of a restaurant in our BizBen ProBuy Program and he asked me what he should look for in due diligence when he finally did find a restaurant he was interested in. Peter Siegel, MBA with BizBen and others on BizBen explore this topic.
Ice cream shops are a favorite with buyers of small businesses, but many times don't know what to look for when seeking a purchase of a shop. Joe Ranieri and other intermediaries and advisors share their experience and expertise to potential ice cream shop owners. Explore these tips to learn more.
For those who don't know, a non-compete agreement is a contract between a buyer and seller of a business, which after the sale, prohibits the seller from engaging in direct competition with the business they previously sold. Joe Ranieri (Business Broker) adds this topic to a BizBen Discussion Post.
In our BizBen.com June 2021 Monthly Report the top ProIntermediaries and ProAdvisors on BizBen offer their thoughts about the current status of the business for sale marketplace with trends and predictions for Business Buyers, Owner/Sellers, Business Brokers, Agents, Advisors in the near future.
Sometimes business brokers just can't win with their clients, because if an offer comes in too fast & too early then they must have lowballed the price & the seller is suspicious, and if not enough offers come in after putting the business on the market - they may look unproductive to their clients.
As the year winds down, it's tempting for business brokers to go through their old files and throw them out to make room for new client's folders, but that would be foolish. Joe Ranieri (Orange County Business broker) discusses strategies for saving files - a key annual strategy for brokers/agents.
