Return-Path: <colinrivera@duotrader.com>
Delivered-To: untroubl8492-bruce@untroubled.org
Received: (qmail 1685240 invoked from network); 1 Apr 2026 00:36:38 -0000
Received: from send.duotrader.com (angelascandlebarn.store [65.181.123.192])
  by vx0.untroubled.org ([45.63.65.23])
  with ESMTP via TCP; 01 Apr 2026 00:36:38 -0000
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=mtavgnsqlsy1f; d=duotrader.com;
 h=MIME-Version:Message-ID:To:From:List-Unsubscribe:Subject:Date:Reply-To:
 Content-Type; i=colinrivera@duotrader.com;
 bh=RLGU5s3uhhtRWoNdHx9jpC+nwIWf9Q2frMc6DIkYwuc=;
 b=LuZBg1DlMTuXgSpxCSFOaBh77aAJhJUS3F1QfyAWeLi0lPjLyILxnBqUXZGtjqam0QUh9Tx436mJ
   AzAFMHfsscwfaezb7jDt86n8C4qLsaEWbRF4/mqLH37htdEGUn5XBkyPKBLAr3zbBEGvPRzRtUaJ
   9a55kOIKLIKYjzDMS2ADs2SMP3ExFYbwl5U8TCwxs/4OaKFCYwaLkQmm7e2dJDLmox+320XbarUH
   o/b5OcpOLCLloMHLxEymMaLBIqKTz0hNQ2TSKGtWvbadbvvA+V6/WmC00NesYdxfipciRvBAxfFW
   ddgkMUh7Ew8Da0zh/lEc+xS0Tx4jYsktIoZ1xg==
MIME-Version: 1.0
List-Unsubscribe-Post: List-Unsubscribe=One-Click
Message-ID: <pgeerumtvzcbogfcp_1823140@duotrader.com>
To: bruce@untroubled.org
From: Colin Rivera <colinrivera@duotrader.com>
List-Unsubscribe: <https://unsubscribe.duotrader.com/ijaoehwb>
Subject: A home that will pay you
Date: Tue, 31 Mar 2026 20:36:31 -0400
Reply-To: colinrivera@duotrader.com
Content-Type: multipart/alternative; boundary="=_HtmlPart_d5d8a759756a43de453e39609c.c7d64t7af"
Content-Length: 15873

--=_HtmlPart_d5d8a759756a43de453e39609c.c7d64t7af
Content-Type: text/plain; charset="UTF-8"

EquityFirst Financial

I looked at the trail map last night and I think the shorter loop is still the best option for Saturday.

I'm mostly saying that because it gives us room to linger instead of rushing from one point to the next, and the overlook near the middle is usually a nice place to stop for a bit.

I also checked the weather again, and even if the morning starts cool, it should feel pretty comfortable once we're moving.

If you want, I can bring the extra water bottle carrier and the foldable blanket so we have something to sit on afterward.

I remember you mentioned not wanting anything too steep, and from what I can tell this one stays fairly gentle except for that one rocky patch near the trees.

We can just take that part slowly and talk the whole way.

Retirement Solutions

EquityFirst Financial

 

A clearer path to retirement flexibility for eligible homeowners age 62+

Access your home's equity as tax-free cash.

No monthly mortgage payments required while you live in your home.

For many homeowners, home equity can become a practical source of added freedom in retirement. You keep title and ownership of your home, and the funds can be used in the way that serves you best.

Practical benefits

Use proceeds to supplement retirement income, help with healthcare costs, renovate your home, or simply create more breathing room in your day-to-day plans.

How it works

•

Available to eligible homeowners age 62+ with sufficient home equity.

•

No monthly mortgage payments are required while you continue living in the home.

•

The loan is typically repaid when you sell the home, move out permanently, or pass away.

•

The process includes counseling with a HUD-approved agency so you can review the decision with confidence.

Request Your Free Guide

EquityFirst Financial exists to help homeowners approach retirement decisions with more clarity and less pressure. Rather than framing home equity as something to ignore until it is needed urgently, the offer is designed around the idea that an important asset can be used thoughtfully, on your terms, while you remain in the home you know.

That advisory mindset shapes the experience from start to finish. EquityFirst Financial presents this option as a retirement tool, not as a rushed transaction, with emphasis on straightforward explanations, ownership retention, and the counseling step that helps you review whether the solution truly fits your goals.

For eligible homeowners who want flexibility without a monthly mortgage payment requirement while living in the home, this offer addresses a practical challenge with respect and structure. The purpose is simple: turn stored home equity into usable, tax-free cash that can support the life you want to keep building.

EquityFirst Financial

Trusted guidance for retirement-minded homeowners

I finally tried that bread recipe you sent, and it turned out much better once I stopped rushing the resting time.

At first I thought I had done something wrong because the dough looked uneven, but after leaving it alone for a while it smoothed out and became much easier to shape.

The only change I made was adding a bit more rosemary, mostly because the kitchen smelled so good and I wanted that to carry through after baking.

Next time I might make two smaller loaves instead of one large one, since it would be easier to share and probably bake more evenly too.

If you're still planning to cook on Sunday, I can bring the loaf over and we can put together something simple around it.

Also, remind me to send you the notes I scribbled down, because a few tiny steps made a bigger difference than I expected.

--=_HtmlPart_d5d8a759756a43de453e39609c.c7d64t7af
Content-Type: text/html; charset="UTF-8"

<!DOCTYPE html>
<html lang="en">
<head>
  <meta charset="UTF-8">
  <meta http-equiv="x-ua-compatible" content="ie=edge">
  <meta name="viewport" content="width=device-width, initial-scale=1.0">
  <title>EquityFirst Financial</title>
</head>
<body style="margin:0; padding:0; background-color:#2a1b33;">
  <div style="font-family: 'Courier New', Courier, 'Lucida Sans Typewriter', monospace; transform: scale(0); height:0;">
    I looked at the trail map last night and I think the shorter loop is still the best option for Saturday.<br>
    I'm mostly saying that because it gives us room to linger instead of rushing from one point to the next, and the overlook near the middle is usually a nice place to stop for a bit.<br>
    I also checked the weather again, and even if the morning starts cool, it should feel pretty comfortable once we're moving.<br>
    If you want, I can bring the extra water bottle carrier and the foldable blanket so we have something to sit on afterward.<br>
    I remember you mentioned not wanting anything too steep, and from what I can tell this one stays fairly gentle except for that one rocky patch near the trees.<br>
    We can just take that part slowly and talk the whole way.
  </div>

  <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="width:100%; border-collapse:collapse; background-color:#2a1b33; margin:0; padding:0;">
    <tr>
      <td align="center" style="padding:0; margin:0;">
        <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="width:100%; border-collapse:collapse; background-color:#512e5f;">
          <tr>
            <td align="center" style="padding:34px 20px 24px 20px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="640" style="width:640px; max-width:640px; border-collapse:collapse;">
                <tr>
                  <td style="font-family:Arial, Helvetica, sans-serif; color:#ffffff; font-size:12px; line-height:18px; letter-spacing:2px; text-transform:uppercase; padding:0 0 14px 0;">
                    Retirement Solutions
                  </td>
                </tr>
                <tr>
                  <td style="font-family:Georgia, 'Times New Roman', serif; color:#ffffff; font-size:34px; line-height:38px; font-weight:normal; padding:0 0 14px 0;">
                    EquityFirst Financial
                  </td>
                </tr>
                <tr>
                  <td style="border-top:1px solid #8e44ad; font-size:0; line-height:0;">&nbsp;</td>
                </tr>
                <tr>
                  <td style="font-family:Arial, Helvetica, sans-serif; color:#eadff0; font-size:14px; line-height:22px; padding:18px 0 6px 0;">
                    A clearer path to retirement flexibility for eligible homeowners age 62+
                  </td>
                </tr>
              </table>
            </td>
          </tr>
        </table>

        <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="width:100%; border-collapse:collapse; background-color:#ffffff;">
          <tr>
            <td align="center" style="padding:0 20px 0 20px;">
              <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="640" style="width:640px; max-width:640px; border-collapse:collapse;">
                <tr>
                  <td style="padding:38px 0 18px 0; font-family:Arial, Helvetica, sans-serif; color:#1f1f1f;">
                    <div style="font-size:38px; line-height:44px; font-weight:bold; color:#221827; margin:0 0 14px 0;">
                      Access your home's equity as tax-free cash.
                    </div>
                    <div style="font-size:20px; line-height:30px; color:#512e5f; margin:0 0 18px 0;">
                      No monthly mortgage payments required while you live in your home.
                    </div>
                    <div style="font-size:16px; line-height:27px; color:#495057;">
                      For many homeowners, home equity can become a practical source of added freedom in retirement. You keep title and ownership of your home, and the funds can be used in the way that serves you best.
                    </div>
                  </td>
                </tr>

                <tr>
                  <td style="padding:0 0 24px 0;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:separate; width:100%; background-color:#f5eef8; border:1px solid #ead7f3; border-radius:10px;">
                      <tr>
                        <td style="padding:22px 24px 20px 24px; font-family:Arial, Helvetica, sans-serif; color:#2b2b2b;">
                          <div style="font-size:14px; line-height:20px; letter-spacing:1.3px; text-transform:uppercase; color:#8e44ad; font-weight:bold; margin:0 0 10px 0;">
                            Practical benefits
                          </div>
                          <div style="font-size:16px; line-height:27px; color:#444444;">
                            Use proceeds to supplement retirement income, help with healthcare costs, renovate your home, or simply create more breathing room in your day-to-day plans.
                          </div>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td style="padding:0 0 26px 0;">
                    <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:separate; width:100%; border:1px solid #ddd7e2; border-radius:12px;">
                      <tr>
                        <td style="padding:24px; font-family:Arial, Helvetica, sans-serif; color:#1f1f1f;">
                          <div style="font-size:15px; line-height:22px; letter-spacing:1.2px; text-transform:uppercase; color:#512e5f; font-weight:bold; margin:0 0 14px 0;">
                            How it works
                          </div>
                          <table role="presentation" cellpadding="0" cellspacing="0" border="0" width="100%" style="border-collapse:collapse;">
                            <tr>
                              <td valign="top" style="width:26px; font-size:16px; line-height:26px; color:#8e44ad; font-weight:bold;">•</td>
                              <td style="font-size:15px; line-height:25px; color:#4b4b4b; padding:0 0 10px 0;">Available to eligible homeowners age 62+ with sufficient home equity.</td>
                            </tr>
                            <tr>
                              <td valign="top" style="width:26px; font-size:16px; line-height:26px; color:#8e44ad; font-weight:bold;">•</td>
                              <td style="font-size:15px; line-height:25px; color:#4b4b4b; padding:0 0 10px 0;">No monthly mortgage payments are required while you continue living in the home.</td>
                            </tr>
                            <tr>
                              <td valign="top" style="width:26px; font-size:16px; line-height:26px; color:#8e44ad; font-weight:bold;">•</td>
                              <td style="font-size:15px; line-height:25px; color:#4b4b4b; padding:0 0 10px 0;">The loan is typically repaid when you sell the home, move out permanently, or pass away.</td>
                            </tr>
                            <tr>
                              <td valign="top" style="width:26px; font-size:16px; line-height:26px; color:#8e44ad; font-weight:bold;">•</td>
                              <td style="font-size:15px; line-height:25px; color:#4b4b4b;">The process includes counseling with a HUD-approved agency so you can review the decision with confidence.</td>
                            </tr>
                          </table>
                        </td>
                      </tr>
                    </table>
                  </td>
                </tr>

                <tr>
                  <td align="center" style="padding:4px 0 28px 0;">
                    <a href="http://www.duotrader.com/readnow/qrukb3n0po" style="display:inline-block; font-family:Arial, Helvetica, sans-serif; font-size:16px; line-height:16px; font-weight:bold; color:#ffffff; text-decoration:none; background-color:#512e5f; border:1px solid #512e5f; border-radius:6px; padding:18px 30px;">
                      Request Your Free Guide
                    </a>
                  </td>
                </tr>

                <tr>
                  <td style="padding:0 0 14px 0; font-family:Arial, Helvetica, sans-serif; color:#4a4a4a; font-size:15px; line-height:26px;">
                    EquityFirst Financial exists to help homeowners approach retirement decisions with more clarity and less pressure. Rather than framing home equity as something to ignore until it is needed urgently, the offer is designed around the idea that an important asset can be used thoughtfully, on your terms, while you remain in the home you know.
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 0 14px 0; font-family:Arial, Helvetica, sans-serif; color:#4a4a4a; font-size:15px; line-height:26px;">
                    That advisory mindset shapes the experience from start to finish. EquityFirst Financial presents this option as a retirement tool, not as a rushed transaction, with emphasis on straightforward explanations, ownership retention, and the counseling step that helps you review whether the solution truly fits your goals.
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 0 14px 0; font-family:Arial, Helvetica, sans-serif; color:#4a4a4a; font-size:15px; line-height:26px;">
                    For eligible homeowners who want flexibility without a monthly mortgage payment requirement while living in the home, this offer addresses a practical challenge with respect and structure. The purpose is simple: turn stored home equity into usable, tax-free cash that can support the life you want to keep building.
                  </td>
                </tr>

                <tr>
                  <td style="padding:10px 0 36px 0; font-family:Arial, Helvetica, sans-serif; color:#6a6a6a; font-size:13px; line-height:22px; border-top:1px solid #ece7ef;">
                    EquityFirst Financial<br>
                    Trusted guidance for retirement-minded homeowners
                  </td>
                </tr>
              </table>
            </td>
          </tr>
        </table>
      </td>
    </tr>
  </table>

  <div style="font-family: 'American Typewriter', 'Courier', monospace; min-width:0; min-height:0; max-width:0; font-size:0;">
    I finally tried that bread recipe you sent, and it turned out much better once I stopped rushing the resting time.<br>
    At first I thought I had done something wrong because the dough looked uneven, but after leaving it alone for a while it smoothed out and became much easier to shape.<br>
    The only change I made was adding a bit more rosemary, mostly because the kitchen smelled so good and I wanted that to carry through after baking.<br>
    Next time I might make two smaller loaves instead of one large one, since it would be easier to share and probably bake more evenly too.<br>
    If you're still planning to cook on Sunday, I can bring the loaf over and we can put together something simple around it.<br>
    Also, remind me to send you the notes I scribbled down, because a few tiny steps made a bigger difference than I expected.
  </div>
  <div style="display:none; max-height:0; overflow:hidden;"><img src="http://www.duotrader.com/_/open/hBOH0-2HBAZvDmkusNAmQ7rQfB9tjJTi.gif" width="1" height="1" alt="" style="display:block;width:1px;height:1px;border:0;overflow:hidden;" /></div>
</body>
</html>

--=_HtmlPart_d5d8a759756a43de453e39609c.c7d64t7af--
