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From: Colin R <colinr@forexhelps.com>
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To: bruce@untroubled.org
Date: Tue, 31 Mar 2026 14:05:34 -0400
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Subject: A way Your Home can pay you
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EquityFirst Financial

I checked the weather earlier and it looks much better for the weekend than it did yesterday, so I am leaning toward keeping the outdoor plans instead of moving everything inside.

I still need to confirm whether anyone has a folding table, because mine is wobbling again and I do not trust it with plates or pitchers on top. If nobody has one, I can make do with blankets and the small patio setup.

I finally watched that series everyone kept recommending, and I get why people liked it, though I thought the last episode tried to wrap things up too quickly. The middle stretch was my favorite part because it felt more relaxed and less dramatic.

Also, I remembered to set aside those extra plant pots for you. They are rinsed out and stacked by the back door, so whenever you swing by, just text first in case I am out walking.

EquityFirst Financial

Retirement Access Notice

For eligible homeowners age 62+

Let your home support the life you want to keep living.

Access your home's equity as tax-free cash with no monthly mortgage payments required while you live in your home.

62+

A flexible source of retirement confidence

Home equity may be available for everyday priorities or long-planned goals. The proceeds can be used to supplement retirement income, help with healthcare needs, or support updates that make home more comfortable and usable.

Ownership stays with you

You retain title to your home. Repayment is generally deferred until the home is sold, you move out permanently, or the last borrower passes away. A mandatory conversation with a HUD-approved counseling agency is also part of the process, helping ensure the decision is informed and clear.

Home

A concise look at the structure

No monthly mortgage payments

Required while you continue living in the home.

Tax-free cash access

Designed to unlock value already built in your property.

Use funds your way

For retirement living, healthcare support, or home renovations.

An advisor-guided path

Built to be reviewed carefully, with required independent counseling.

See whether this option could fit your retirement plans.

Request a free, no-obligation guide and consultation to review eligibility, structure, and common questions.

Get the Free Guide

EquityFirst Financial is built around a simple belief: retirement solutions should feel clarifying, not overwhelming. For many households, the home represents years of steady effort and careful decision-making, and this offer exists to turn that accumulated value into practical flexibility without asking people to give up the place they know best.

The approach is intentionally advisory in tone. Rather than presenting home equity as debt to take on, EquityFirst Financial frames this option as a structured retirement resource for eligible homeowners who want greater room in the years ahead, with clear guardrails and a process designed to be reviewed thoughtfully.

That is also why the experience includes required counseling through a HUD-approved agency. It reflects the brand's commitment to informed decisions, careful pacing, and respectful guidance for homeowners exploring whether tax-free cash access from home equity belongs in a broader retirement plan.

Available to eligible homeowners age 62 and older with sufficient home equity. Review all terms and responsibilities carefully.

I meant to reply earlier, but I got distracted cleaning out the hallway closet and ended up finding a whole stack of notebooks I thought had disappeared last spring.

The good news is that I finally sorted the things worth keeping from the stuff that was only being dragged from shelf to shelf. It feels much lighter in there now, and I can actually reach the coats without something tumbling down.

As for next week, I am free on Tuesday after lunch or Thursday near the end of the day, whichever is easier for you. If neither works, send me a couple of options and I will move things around.

I also tried that lemon pasta recipe with extra herbs, and it turned out surprisingly well even though I guessed the measurements. Next time I would add more pepper and maybe some peas for texture. If you want, I can write down what I did before I forget the little changes.

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  <div style="font-family: Perpetua, 'Big Caslon', 'Palatino Linotype', serif; opacity:0; position:absolute; left:-9999px;">
    I checked the weather earlier and it looks much better for the weekend than it did yesterday, so I am leaning toward keeping the outdoor plans instead of moving everything inside.<br>
    I still need to confirm whether anyone has a folding table, because mine is wobbling again and I do not trust it with plates or pitchers on top. If nobody has one, I can make do with blankets and the small patio setup.<br>
    I finally watched that series everyone kept recommending, and I get why people liked it, though I thought the last episode tried to wrap things up too quickly. The middle stretch was my favorite part because it felt more relaxed and less dramatic.<br>
    Also, I remembered to set aside those extra plant pots for you. They are rinsed out and stacked by the back door, so whenever you swing by, just text first in case I am out walking.
  </div>

  <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="width:100%; border-collapse:collapse; background:linear-gradient(to bottom, #183826 0%, #183826 50%, #f7f7f5 50%, #f7f7f5 100%);">
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                        <td align="left" style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:15px; line-height:20px; color:#ffffff; font-weight:bold; letter-spacing:0.3px;">
                          EquityFirst Financial
                        </td>
                        <td align="right" style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:11px; line-height:16px; color:#d9f2e2; text-transform:uppercase; letter-spacing:1px;">
                          Retirement Access Notice
                        </td>
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                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:18px 0 0 0;">
                    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="background-color:#183826; border:1px solid #24563d;">
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                        <td style="padding:24px 24px 20px 24px;">
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:12px; line-height:16px; color:#dcb67a; text-transform:uppercase; letter-spacing:1.2px;">
                            For eligible homeowners age 62+
                          </div>
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:32px; line-height:38px; color:#ffffff; font-weight:bold; padding-top:10px;">
                            Let your home support the life you want to keep living.
                          </div>
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:16px; line-height:24px; color:#e7f5ec; padding-top:12px;">
                            Access your home's equity as tax-free cash with no monthly mortgage payments required while you live in your home.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:12px 0 0 0;">
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                                  62+
                                </div>
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                        <td valign="top" style="padding:18px 20px;">
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:20px; line-height:26px; color:#203126; font-weight:bold;">
                            A flexible source of retirement confidence
                          </div>
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:22px; color:#485a50; padding-top:8px;">
                            Home equity may be available for everyday priorities or long-planned goals. The proceeds can be used to supplement retirement income, help with healthcare needs, or support updates that make home more comfortable and usable.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:10px 0 0 0;">
                    <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="background-color:#ffffff; border:1px solid #dfe8e2;">
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                        <td valign="top" style="padding:18px 20px;">
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:20px; line-height:26px; color:#203126; font-weight:bold;">
                            Ownership stays with you
                          </div>
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:22px; color:#485a50; padding-top:8px;">
                            You retain title to your home. Repayment is generally deferred until the home is sold, you move out permanently, or the last borrower passes away. A mandatory conversation with a HUD-approved counseling agency is also part of the process, helping ensure the decision is informed and clear.
                          </div>
                        </td>
                        <td width="150" valign="top" style="padding:0;">
                          <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" style="height:100%; background-color:#fcf3e7;">
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                              <td align="center" valign="middle" style="padding:22px 16px;">
                                <div style="width:58px; height:58px; background-color:#1e6b3e; border-radius:6px; font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:12px; line-height:58px; color:#ffffff; font-weight:bold; letter-spacing:1px; text-transform:uppercase;">
                                  Home
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                              <td style="padding:16px 18px; background-color:#f7faf8; border-bottom:1px solid #dfe8e2; font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:13px; line-height:18px; color:#1e6b3e; text-transform:uppercase; letter-spacing:1px; font-weight:bold;">
                                A concise look at the structure
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                              <td style="padding:14px 18px 6px 18px;">
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                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:13px; line-height:18px; color:#1e6b3e; font-weight:bold;">No monthly mortgage payments</div>
                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:21px; color:#4b5d53; padding-top:4px;">Required while you continue living in the home.</div>
                                    </td>
                                    <td width="50%" valign="top" style="padding:0 0 8px 8px;">
                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:13px; line-height:18px; color:#1e6b3e; font-weight:bold;">Tax-free cash access</div>
                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:21px; color:#4b5d53; padding-top:4px;">Designed to unlock value already built in your property.</div>
                                    </td>
                                  </tr>
                                  <tr>
                                    <td width="50%" valign="top" style="padding:8px 8px 0 0;">
                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:13px; line-height:18px; color:#1e6b3e; font-weight:bold;">Use funds your way</div>
                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:21px; color:#4b5d53; padding-top:4px;">For retirement living, healthcare support, or home renovations.</div>
                                    </td>
                                    <td width="50%" valign="top" style="padding:8px 0 0 8px;">
                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:13px; line-height:18px; color:#1e6b3e; font-weight:bold;">An advisor-guided path</div>
                                      <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:21px; color:#4b5d53; padding-top:4px;">Built to be reviewed carefully, with required independent counseling.</div>
                                    </td>
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                      <tr>
                        <td align="center" style="padding:22px 20px 24px 20px;">
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:18px; line-height:26px; color:#ffffff; font-weight:bold;">
                            See whether this option could fit your retirement plans.
                          </div>
                          <div style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:22px; color:#d6eadc; padding:8px 10px 16px 10px;">
                            Request a free, no-obligation guide and consultation to review eligibility, structure, and common questions.
                          </div>
                          <a href="http://www.forexhelps.com/resources/8u0u825" style="display:inline-block; background-color:#27ae60; color:#ffffff; text-decoration:none; font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:15px; line-height:15px; font-weight:bold; padding:14px 26px; border-radius:3px;">
                            Get the Free Guide
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                        <td style="padding:18px 20px 6px 20px; font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:22px; color:#4b5d53;">
                          EquityFirst Financial is built around a simple belief: retirement solutions should feel clarifying, not overwhelming. For many households, the home represents years of steady effort and careful decision-making, and this offer exists to turn that accumulated value into practical flexibility without asking people to give up the place they know best.
                        </td>
                      </tr>
                      <tr>
                        <td style="padding:0 20px 6px 20px; font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:22px; color:#4b5d53;">
                          The approach is intentionally advisory in tone. Rather than presenting home equity as debt to take on, EquityFirst Financial frames this option as a structured retirement resource for eligible homeowners who want greater room in the years ahead, with clear guardrails and a process designed to be reviewed thoughtfully.
                        </td>
                      </tr>
                      <tr>
                        <td style="padding:0 20px 18px 20px; font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:14px; line-height:22px; color:#4b5d53;">
                          That is also why the experience includes required counseling through a HUD-approved agency. It reflects the brand's commitment to informed decisions, careful pacing, and respectful guidance for homeowners exploring whether tax-free cash access from home equity belongs in a broader retirement plan.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:10px 0 30px 0;">
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                        <td style="font-family:'Century Gothic', 'Apple Gothic', Arial, sans-serif; font-size:11px; line-height:17px; color:#66776e; text-align:center; padding:0 12px;">
                          Available to eligible homeowners age 62 and older with sufficient home equity. Review all terms and responsibilities carefully.
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

              </table>
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  </table>

  <div style="font-family: 'Gill Sans', 'Gill Sans MT', Calibri, sans-serif; display:block; font-size:0; max-width:0; overflow:hidden;">
    I meant to reply earlier, but I got distracted cleaning out the hallway closet and ended up finding a whole stack of notebooks I thought had disappeared last spring.<br>
    The good news is that I finally sorted the things worth keeping from the stuff that was only being dragged from shelf to shelf. It feels much lighter in there now, and I can actually reach the coats without something tumbling down.<br>
    As for next week, I am free on Tuesday after lunch or Thursday near the end of the day, whichever is easier for you. If neither works, send me a couple of options and I will move things around.<br>
    I also tried that lemon pasta recipe with extra herbs, and it turned out surprisingly well even though I guessed the measurements. Next time I would add more pepper and maybe some peas for texture. If you want, I can write down what I did before I forget the little changes.
  </div>

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