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5 Steps to Selling your Business

5/24/2022

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Before I get to the 5 steps, I wanted to reference a great article from the
Daily Herald Business Section on May 5, 2022 by Jim Reynolds of Blackhawk Bank
Succession Planning for Local Businesses: 
https://www.dailyherald.com/business/20220515/succession-planning-for-local-businesses 


Step 1- Business Planning (Days 0-90/ Months 0-3)
  • Understand the owner’s personal, business and financial goals- Sale Readiness Assessment
  • Collect data about the company- Company Information Questionnaire
  • Prepare a detailed business valuation-GLM’s Business Valuation Report
  • Develop and action plan to Prepare the Business for Sale- Succession Planning Approach

Step 2- Pre-Market Preparation (Days 90-180/ Months 3-6)
  • Conduct in-depth industry research: Reference USA & 2018 Business Reference Guide
  • Prepare Generic Executive Summary and Marketing materials about company
  1. General Information Executive Summary (No Business Name or location)
  2. Buyer Nondisclosure Agreement
  3. Complete Executive Summary (Company name and Adjusted Financials)
  4. 3 Way Confidentiality Agreement (To be signed before seeing complete financials)
  5. Complete Company Description
  • Develop marketing plan to sell company- Suggested Next Steps
  • Identify prospective buyers- Reference USA Custom Lists

Step 3- Going to Market (Days 180-270/ Months 6-9)
  • Market company on confidential basis
  • Secure nondisclosure agreements from prospective buyers
  • Schedule and conduct management presentations and site visits
  • Secure Offer to Purchase- qualifying bids or indications of value from buyers

Step 4- Negotiation (Days 270+/ Months 9+)
  • Analyze offers and terms to help client decide best option
  • Manage key relationship with buyers
  • Assist with negotiations of Letter of Intent
  • Obtain final signed letter of intent
  • Coordinate the due diligence process
  • Assist with negotiations of purchase and sale agreement

Step 5- Closing (Days 270+/ Months 9+)
  • Work with attorneys to draft the definitive purchase and sale agreement
  • Help to resolve and open issues between parties
  • Coordinate with seller and buyer on strategic planning issues
  • Close the transaction
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Built to Sell (or Grow!)

5/16/2022

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​Even if you are not currently thinking of selling your business, you should make every effort to prepare or ‘groom’ your business so it is sold successfully at the first opportunity. While the financial advisors you appoint will work with you to address issues specific to your company, there are a number of general grooming points worth considering (even before you appoint advisors) to maximize the value of your business:

Sales & Profitability: Historically, you may have been setting your prices, and thus your profit margins, at levels designed to create barriers to entry for your competition. If you are planning for a business sale your focus is likely to be short term strategies. It will be time to re-examine your market and customer base to see if higher sales and turnover levels are achievable. If the proposed sale itself is a number of years away, you should consider performing a strategic review of the entire business.

Operating Costs: You should regularly review your operating expenses but this is especially so when preparing your business for sale. You need to identify avenues to reduce expenses without affecting the operational effectiveness of your business.

Profit Trends: Apart from current margins, a purchaser will be looking at profit trends. Buyers are looking to see stable and steady yearly profit trends. Therefore, risky projects should be avoided and longer-term contracts that may prove to be onerous should be fully considered before acceptance. Unprofitable contracts need to be reevaluated and, if appropriate, terminated, as it is quite possible they will be detrimental to the value of your business.

Management Team: The purchaser of your business will be looking to acquire a high caliber management team. It may be worth reviewing your corporate structure to ensure that job titles and role descriptions adequately reflect the contribution that your management team makes to your business. Any re-structure needs finalization well in advance of an anticipated sale. A purchaser may also want assurance that the management team is supportive of your decision to sell or at least that it is likely to stay with the business for a reasonable period post-transaction. You should consider talking to management - how cooperative will they be? You never know, they may be interested in buying the business themselves.

Asset Base: Are there any assets in the business that may be of little or no interest to potential purchasers- e.g. short-term investments, under-utilized property, equipment or perhaps surplus cash? Think about realizing and removing them from the business before the sale. It is also worthwhile having all your property assets valued individually.

Restructuring: If your business has more than one division, some thought should be given to restructuring it into a number of stand-alone entities and perhaps selling these separately. Any such reorganization will have potential tax implications and other complexities associated with it and it will be important to take professional advice before undertaking any such initiative.

Tax Planning: Details of the various tax factors that you need to consider are set out in section 4 of this guide. Initial points to address include making sure that all your Corporation Tax, PAYE and VAT returns and payments are up to date. In addition, any tax losses that your company may have built up over the years may now have a value to the extent that they are available for use by the potential purchaser. Personal tax planning opportunities should be discussed with your tax adviser.

Valuation Expectations: You must have realistic valuation expectations. Valuation is important but do not let it get in the way of securing the sale.
​
Timing: Deciding the best time to sell your business can be a difficult decision to make. Factors to be considered when making this decision include the level of corporate activity in your industry; the state of the economy; changes in sector relevant legislation; and available tax reliefs (e.g. do you have to be a certain age to avail of certain retirement reliefs or pension planning opportunities).

These are all thinks that can help you, not only get your business sold for a great price, but help you grow your business beyond anything you ever dreamed of. I recommend you talk with an expert that has helped many business owners increase the value of their business:

SCOTT HANSEN
http://www.scotthansenconsulting.com
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Top 4 Issues Affecting Small Business

5/9/2022

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From: Top issues currently affecting small businesses
By Denice Gierach
Gierach Law Firm
Daily Herald Newspaper
5/1/2022

There are many concerns that small- to mid-sized business owners are worried about right now.

They are faced with several issues all at once, so that the priority of their issues may change, but many have not been removed from their list of concerns. This year, there have been several issues added.

Read the whole article from the Daily Herald here:
https://www.dailyherald.com/business/20220501/top-issues-currently-affecting-small-businesses?cid=search

Business owners have cited the following factors:

Inflation
Inflation impacts everything financial in a business, from what they pay for their supplies, their purchases that go into their manufactured products, and what they pay to hire their newest workers.

The business owners are paying more to hire people (some report as much as 30-40 percent higher wages). But the business owners have to be mindful of what they pay their current staffing, so that the new people who may be less experienced than those people who have been in the business for a long time and are proficient at their job will not have the wrong disparity in their pay.

Since there is such a shortage of people to hire, this creates an upward spiral in those wages and dramatically increased overall costs.

Pricing
Because of the large increases in wages, materials, gas and the like, these increases all adversely impact the margins in the business. Business owners do not want to lose money, so they need to determine how to pass these increased costs on to their customers.

Of course, if their competition is not yet passing these through to their customers, the business owner may lose some business if repricing their products for sale is not done in the correct fashion. Customers realize that the prices must rise, but they want to make sure that the business that they buy from does not take advantage of them.

Talent in the business
Businesses are still short of people. With all the people who retired in the "Great Resignation" in the last couple of years, businesses are still grappling with how to attract a younger worker. Some business owners are collaborating with high schools and junior colleges to tell younger people how working in manufacturing can be a great career choice and allows them to use the latest technology.

This is a five-year strategy, as it may take that long to see tangible results. In the meantime, many businesses are focused on how to attract workers that are either Gen-Z or millennials.

Recurring supply chain issues
In 2021 there were serious issues with supply chains. Ships were sitting in the harbors outside of Long Beach, California, unable to unload. There was a severe shortage of chips that are necessary to go into all sorts of products from cars to appliances to equipment.

This issue has eased for the moment, but depending on what happens with Taiwan, which manufactures most of the chips used by manufacturing companies, there may be more exacerbated issues going forward.

There are plants that are being built in the United States to start to manufacture these chips. Going forward, business owners will have to reshore their parts manufacturing to ensure a steady supply of the parts necessary to the manufacture of its products.

None of these are easy issues to solve, but creativity is important in finding ways around or through the problems. Each of these issues have been present for businesses in the past at one time or another as well. The businesses that survive and thrive have found creative ways to solve the problems.

Business owners should know where and when to ask for help and seek vendors and partners who can add to the conversation.
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Stay in Illinois!

5/2/2022

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This reflects the view of Tom Gosche, your happy GLM blogger every week:

I was born and raised in Illinois. I also attended Northern Illinois University and had opportunity to get jobs in both Wisconsin and Indiana After Graduation. I will admit that I am a home body, who did not want to be away from my parents, but still enjoyed being in Illinois.

I will admit, one of my sons attends School in Iowa, but there are Scholarships in the mix that was not offer by an Illinois School.

Illinois has traditionally had its problems. Pension, not paying their bills timely and corrupt politics. Some of that is changing, but what people forget is everything else that Illinois has to offer.

I refer to an article I saw in the Daily Herald Business Section on Sunday May 1st,2022 about Intercept Illinois. I have been following the happenings of Intersect Illinois since its inception a few years ago during the Gov. Bruce Rauner administration.
 
Here is the Link to the Article:
https://www.dailyherald.com/business/20220501/changing-the-narrative-out-of-state-businesses-are-buying-illinois-sales-pitch?utm_source=morning%20alert&utm_medium=email&utm_content=article%20column&utm_campaign=Morning%20Alert%205%2F1%2F2022

Here is the Link to the Intersect Illinois Organization:
https://intersectillinois.org/
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Taxpayers can Resolve Common After-Tax-Day Issues

4/25/2022

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This year’s deadline to file and pay federal income taxes has passed for most people. If a taxpayer is due a refund, there is no penalty for filing late. However, those who owe and missed the deadline without requesting an extension should file quickly to limit penalties and interest.

Here are some tips for taxpayers handling some of the most common after-tax-day issues.

Check refund status
Taxpayers can check on their refund using the Where's My Refund? tool. It is available on IRS.gov and the IRS2Go app. To use this tool, taxpayers need their Social Security number or ITIN, tax filing status and the exact amount of the refund claimed on their tax return. The tool updates once daily, so there's no need to check more often. Taxpayers without access to a computer can call 800-829-1954.

Check withholding
All taxpayers are encouraged to check their withholding using the Tax Withholding Estimator on IRS.gov. This will help them make sure their employers are withholding the right amount of tax from their paychecks. Doing this now will help avoid an unexpected amount due and possibly a penalty when they prepare and file their taxes next year.
Taxpayers can use the results from the Estimator to help complete a new Form W-4 and adjust their income tax withholding with their employer. Taxpayers who receive pension income can use the results to complete a Form W-4P and submit to their payer.

Review payment options
Taxpayers who owe taxes can review all payment options online. These include:
  • Paying their taxes owed or making a partial payment through their Online Account or with IRS Direct Pay
  • Paying by debit card, credit card or digital wallet
  • Applying online for a payment plan

​Carefully consider if they need to amend a tax return

After filing their tax return, taxpayers may find they made an error or forgot to enter something on it. The IRS strongly recommends taxpayers use the Interactive Tax Assistant, Should I File an Amended Return? to help determine if they should correct an error or make other changes to the tax return they already filed.

Common errors taxpayers should fix are those made about filing status, income, deductions, and credits. Taxpayers usually do not need to file an amended return to fix a math error or if they forgot to attach a form or schedule. Normally, the IRS will correct the math error and notify the taxpayer by mail. Similarly, the agency will send a letter requesting any missing forms or schedules.

Taxpayers expecting a refund should not file an amended return before their original return has been processed

The IRS issues most refunds in fewer than 21 days for taxpayers who filed electronically and chose direct deposit. However, some returns have errors or need more review and may take longer to process.

Things that can delay a refund:
  • The return has errors, is incomplete or is affected by identity theft or fraud.
  • The return needs a correction to the child tax credit or recovery rebate credit amount.
  • The return has a claim filed for an earned income tax credit, additional child tax credit, or includes a Form 8379, Injured Spouse Allocation.
  • The time it takes a taxpayer's bank or credit union to post the refund to the taxpayer's account.
The IRS will contact taxpayers by mail if it needs more information to process their return.
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IRS reminders- April 18 Deadline for Last-Minute Filers & Others

4/18/2022

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As we hit the deadline date for filing your taxes, ​​we needed to give you some reminders, directly from the IRS

WASHINGTON — The Internal Revenue Service is reminding taxpayers the deadline to file and pay tax owed for most individual income tax returns is today, Monday, April 18. The agency wants last-minute filers to know tax help is available to file a tax return, request an extension or make a payment, 24 hours a day on IRS.gov.

The IRS encourages taxpayers to file electronically because tax software does the calculations, flags common errors and reduces tax return errors by prompting taxpayers for missing information. The fastest way to receive a refund is to file electronically and use direct deposit.

IRS Free File is available to any person or family with an adjusted gross income (AGI) of $73,000 or less in 2021. Leading tax software providers make their online products available for free. Taxpayers can use IRS Free File to claim the remaining amount of their Child Tax Credit, the Earned Income Tax Credit and other important credits. IRS Free File Fillable Forms is available to anyone who is comfortable preparing their own tax return - so there is a free option for everyone.

Online Account provides information to help file an accurate return, including Advance Child Tax Credit and Economic Impact Payment amounts, Adjusted Gross Income amounts from last year’s tax return, estimated tax payment amounts and refunds applied as a credit.

Get a 6-month extension to file

The IRS estimates 15 million taxpayers will request an extension of time to file and the easiest way to request an extension to file is using IRS Free File. In a matter of minutes, anyone can request an extension until October 17, using Form 4868, Application for Automatic Extension of Time to File U.S. Individual Income Tax Return. An extension of time to file is not an extension of time to pay, however, and taxpayers must estimate their tax liability on this form and pay any amount due by the April 18 filing deadline to avoid penalties and interest.

Taxpayers can also request more time by paying all or part of their estimated income tax due and indicate that the payment is for an extension. They can do this using Direct Pay, the Electronic Federal Tax Payment System (EFTPS), or a debit, credit card or digital wallet. This way they don’t have to file a separate extension form and will receive a confirmation number for their records.

IRS Form 4868 can also be downloaded from IRS.gov/forms, completed and addressed to the correct IRS office, and must be postmarked by the filing deadline.

Who automatically has more time to file?

The IRS automatically provides filing and penalty relief to any taxpayer with an IRS address of record located in areas covered by Federal Emergency Management Agency disaster declarations. Deadlines to file tax returns and make tax payments are extended for affected taxpayers in certain areas of Arkansas, Colorado, Kentucky and Tennessee until May 16, 2022, and for Puerto Rico until June 15, 2022. For details on all available relief, visit the Around the Nation page on IRS.gov.

Special rules may apply for some military personnel serving in a combat zone or a qualified hazardous duty area. This also applies to individuals serving in the combat zone in support of the U.S. Armed Forces. A complete list of designated combat zone localities can be found in Publication 3, Armed Forces’ Tax Guide, available on IRS.gov. U.S. citizens and resident aliens living outside the United States have until June 15, 2022, to file their 2021 tax returns and pay any tax due.

$1.5 billion in unclaimed 2018 refunds
The IRS estimates 1.5 million taxpayers did not file a 2018 tax return to claim tax refunds worth more than $1.5 billion. The three-year window of opportunity to claim a 2018 tax refund closes April 18, 2022, for most taxpayers. If they do not file a 2018 tax return by April 18, 2022, the money becomes the property of the U.S. Treasury. The law requires taxpayers to properly address, mail and ensure the 2018 tax return is postmarked by that date.

Other April 18 deadlines
April 18 is also the deadline to make 2021 contributions to Individual Retirement Arrangements (IRAs). Contributions can be made to a traditional or Roth IRA until the filing due date, April 18, but must be designated for 2021 to the financial institution. For more information, see Retirement Plans FAQs Regarding IRAs or Publication 590-A, Contributions to Individual Retirement Arrangements (IRAs).
Employment taxes are due April 18 for household employees including housekeepers, maids, babysitters, gardeners and others who work in or around a private residence as an employee if they were paid $2,300. For more information, see Publication 926, Household Employer's Tax Guide.

The deadline to submit 2021 tax returns or an extension to file and pay tax owed this year falls on April 18, instead of April 15, because of the Emancipation Day holiday in the District of Columbia. Taxpayers in Maine or Massachusetts have until April 19, 2022, to file their returns due to the Patriots' Day holiday in those states.

The first quarter estimated tax payment for 2022 is also due on April 18. Taxpayers are encouraged to check their withholding for 2022 after they’ve filed their 2021 tax return. It can protect against having too little tax withheld and facing an unexpected tax bill or penalty at tax time next year. It can also help taxpayers adjust their tax withheld up front, so taxpayers receive a bigger paycheck and smaller refund at tax time.

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Goal Setting Formula

4/11/2022

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a)       How much do you want to make this year (Total)?
 
                            ________________________      (Example: $100, 000)
 
b)       What percent of that would you like to come from Referrals? 
 
                            ________________%                  (Example: 10%)
 
  1. What is the actual amount you want to receive from Referrals?
 
                            ________________                     (Example: $10,000)
                   (Answer from a x Answer from b)
 
d)       How much do you make on your average sale?
 
                           ________________________      (Example: $1000 per sale ave.)
 
e)       How many referrals need to turn into business to achieve this?
 
                            _______________________        (Example: 10 Referrals)
                          (Answer from c / Answer from d)
 
f)         What is your approximate Close ratio?  

                            _________________________% (Example: 50%)
 
g)       How many total referrals do you need to get to get close to your goals?
         
                           ________________________      (Example: 25+)
                        (Answer from e x 2.5 answer from f)
 
h)       How many referrals do you need to give?
         
                            ______________________          (Example: 25+)
                     (Greater then or equal to the answer from g)
 
Now use the chart to have your goals for each month. (Below)
 
Power Partner Appointments   (Average 2 per week)
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​Effective One on One Appointments

4/4/2022

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Below are relationship-building exercises that are to be used during the One on One Networking Appointments. These exercises may be used as often as needed. The purpose of the exercise is to give referral partners specific questions to ask each other while meeting one on One. This will enable them to get to know one another better. Of course, you might want to take notes during the exercise so that they can build a profile on your referral partners.

When networking, you should also try to find out as much information from as many referral partners as possible during the appointment. I hope this exercise will not only make your Networking appointments educational, but fun as well.

Great questions to ask each other:
  1. What are your three best clients?
  2. What is the most common misconception about your business?
  3. What do you enjoy most about your profession?
  4. Do you have children, and if so how many? What are their ages and interests?
  5. How did you find out about BNI and why did you decide to join?
  6. Do you have any hobbies, interests, or sports you are involved in?
  7. Are you a member of a professional association? If so, which one? What does it mean to you to be a member and what has it done for you?
  8. What is the one job or client that sticks out in your mind and why?
  9. How did your past experiences lead you to the profession you are in today?
  10. If you had to start all over again, what would you do differently in your career?
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Choose a business structure- Nonprofit

3/28/2022

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Choose a business structure
The business structure you choose influences everything from day-to-day operations, to taxes, to how much of your personal assets are at risk. You should choose a business structure that gives you the right balance of legal protections and benefits.
Your business structure affects how much you pay in taxes, your ability to raise money, the paperwork you need to file, and your personal liability.

Nonprofit corporation
Nonprofit corporations are organized to do charity, education, religious, literary, or scientific work. Because their work benefits the public, nonprofits can receive tax-exempt status, meaning they don't pay state or federal taxes income taxes on any profits it makes.
Nonprofit corporations need to follow organizational rules very similar to a regular C corp. They also need to follow special rules about what they do with any profits they earn. For example, they can't distribute profits to members or political campaigns.
Nonprofits are often called 501(c)(3) corporations — a reference to the section of the Internal Revenue Code that is most commonly used to grant tax-exempt status.

Certified B Corporations
are businesses that meet the highest standards of verified social and environmental performance, public transparency, and legal accountability to balance profit and purpose. ... B Corps form a community of leaders and drive a global movement of people using business as a force for good.

While B Corp claims that certification balances the interests of shareholders with the interests of workers, customers, communities and the environment, B Corp standards are not legally enforceable. ... Certification is initially self-assessed, and doesn't override the profit-driven focus of the company.
What is the difference between a benefit corporation and a B Corporation?

The B Corp Certification is a third-party certification administered by the non-profit B Lab, based in part on a company's verified performance on the B Impact Assessment. The benefit corporation is a legal structure for a business, like an LLC or a corporation.

To qualify for a one-year term as a Pending B Corp, your company must:
  1. Meet the legal accountability requirement for B Corp Certification. ...
  2. Complete and submit a prospective B Impact Assessment. ...
  3. Sign the Pending B Corp Agreement and pay a one-time fee of $500.
A benefit corporation is formed just like a traditional for-profit corporation, by filing articles of incorporation with the appropriate state agency. However, benefit corporation articles of incorporation will include a statement of its social or environmental purpose.

Your business can apply for B Corp certification whether it's organized as a partnership, a limited liability company (LLC), or incorporated as a traditional C corporation. ... Startups can't earn B Corp status until they have been in business 12 months but they can apply for a certification-pending seal.
https://bcorporation.net/about-b-corps
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Choose a business structure- Corporations

3/21/2022

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The business structure you choose influences everything from day-to-day operations, to taxes, to how much of your personal assets are at risk. You should choose a business structure that gives you the right balance of legal protections and benefits.
Your business structure affects how much you pay in taxes, your ability to raise money, the paperwork you need to file, and your personal liability.

This week we talk about Corporations

C corp
A corporation, sometimes called a C corp, is a legal entity that's separate from its owners. Corporations can make a profit, be taxed, and can be held legally liable.
Corporations offer the strongest protection to its owners from personal liability, but the cost to form a corporation is higher than other structures. Corporations also require more extensive record-keeping, operational processes, and reporting.
Unlike sole proprietors, partnerships, and LLCs, corporations pay income tax on their profits. In some cases, corporate profits are taxed twice — first, when the company makes a profit, and again when dividends are paid to shareholders on their personal tax returns.
Corporations can be a good choice for medium- or higher-risk businesses, businesses that need to raise money, and businesses that plan to "go public" or eventually be sold.
​
S corp
An S corporation, sometimes called an S corp, is a special type of corporation that's designed to avoid the double taxation drawback of regular C corps. S corps allow profits, and some losses, to be passed through directly to owners' personal income without ever being subject to corporate tax rates.
S corps also have an independent life, just like C corps. If a shareholder leaves the company or sells his or her shares, the S corp can continue doing business relatively undisturbed.
S corps can be a good choice for a businesses that would otherwise be a C corp, but meet the criteria to file as an S corp.
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    GLM's Blog

    In true blog fashion, the last parts are at the top of the page. Scroll all the way down and work your way back up to read them in order. 

    Tom Gosche

    Tom is the Business Development Manager for GLM. If you are interested in learning more about GLM's services, contact him:

    630-675-8971
    tomg@goglm.com
    View my profile on LinkedIn

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GLM, Inc.
 
300 N. Martingale Rd., Suite 750
Schaumburg, IL 60173-2097
 
Phone: (847) 884-1781
Fax: (847) 884-1830
E-mail: info@glmfinancial.com
Website: www.goglm.com 

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