 Good evening and welcome to episode 353 of the Private Property Podcast. I'm your host, as the Friday edition of the Private Property Podcast, we join us for the first time. Welcome to the family you're tuned in to the early daily property talk show in South Africa, catering to your property needs. And to all our regular viewers on Facebook, on Instagram as well as on YouTube. Welcome back. You know how we do it every single weekday. You and I have an appointment. We're always tackling a property issue and always having somebody who's a property expert who helps us make better property decisions. And I think if anything today is a Friday, it's been raining in Jobork. We finally have the first summer rains and of course, a lot of our robots in Jobork are also unfortunately not working. It's actually talking to my guests and the team behind the scenes that look, it's, we're now there. We're now there. But we're here a few minutes later than we typically are. And then one of the great things, of course, that you can look forward to as it is Friday and you're getting ready for the weekend. Also, the other great shows that you're able to catch across private properties, social media platforms. As it is a Friday, you can catch the home shopping show with Chad that comes to your screens every single Mondays and Fridays at 8pm and on Tuesdays and Thursdays. Somebody brings you the forming podcast and they're now running a great series, the gardening series that you can look forward to very regularly. And I think that's one of the things that so many of us would probably want to help with, especially now that the rains are here. And you probably want to spend a bit of time in your garden. And on Wednesdays, Estie Klassen brings you the first time home by show. But she's always in conversation with people who have gone and grown their property portfolios from strength to strength. And of course, we are running a great competition here on private property where we get to give away 500 rands in cash every single evening. And all you have to do is turn a chance of walking away with that is comment on the, the pinned post on our Facebook page. And you also have to watch us live. That's really the only catch with how to claim the money. You have to watch all your name. Then you need to drop us a message to claim the prize. That's that easy. And if we don't have somebody who claims it, the money goes into the money bag and the following day, it just keeps growing. So later on, you'll get a snapshot of who's potentially the winner of that 2000 rands that is in the money bag. Imagine starting off your, you know, the payday weekend with that 2000 rands. I know some people saying that, look, the, the money that we got on, on Friday, or rather the money we got last week, say, clearly, you know, it's almost like really was the September salary supposed to last us up to this point. So if you want to make sure you win that money, make sure that you stay tuned and should we call your name, drop us a message this evening. We're talking about something that I absolutely love. I was even saying to my guests, we're looking at second legal disputes between landlords and tenants. And I think this is one of those things. I'm a landlord. I've been a tenant. And one of the things about sometimes being a landlord is you might be a landlord and also a tenant. And sometimes you might be a residential tenant or even a commercial tenant. So really, a lot of us always need to find ways of understanding some of these disputes and how to settle them. And today we're going to be looking beyond even settling them. We're also just getting a sense, what are some of the typical disputes that we generally get? And how do we sort of go about rectifying them? And also, how do we make sure we prevent some of these disputes? We tend to find that more often than not, these things are avoidable. And to help us get a better sense of how we can go about doing that this evening. I'm joined by Liat Harder, who's a director at Harder Incorporated. Liat, good evening. And thank you so much for coming back on the show this evening. Azama, thank you so much for having me. It's only a pleasure. I think, Liat, before we even look at the settling part, right, I think that's sort of the second aspect. What would you say are some of the typical disputes that landlords and tenants would have? Because I think it's great to just first get a sense of what kind of disputes are we actually talking about? There's so many, but I think the basic ones I can think of at the top of my head are utility disputes, overcharging for water, electricity, or anything else. The disputes are with maintenance. For example, tenants say they've got a big issue with the maintenance matinee. It could be a light bulb, it could be that simple, or it could be something as major as a geyser. And there's disputes as to who's responsible. And just there's a number of disputes that are practically faced by landlords and tenants day to day in their relationship. When you started with the utility line, part of me was internally screaming because I think it is unfortunately one of those things when I think about how rates went up and utility bills kind of went up. I think it was two, three months ago. And it's a shock, right? It's a shock to tenants. And even as a landlord, because you live somewhere, so even if you're living in a property that you own, you've also seen your own utility bill go up. And sometimes you think, well, maybe I'm being discharged for it. And I know that tenants would be like, there's no way that this is actually my charge. And that's how some of these things often start. Before we look at the settling part, how can we go about almost trying to avoid some of these disputes? Because I think I can already think at the top of my head, a lot of them stem from, and I nearly said on OTP, but stem from a lease agreement and some of the terms in the lease agreement, whether the one party didn't read it and often in some sense, the landlord, I mean, the tenant, before we look at how we should go about settling it, how do we avoid some of these matters? Because we already know not a lot of us, both landlords and tenants alike, can actually afford a legal dispute and having to get attorneys in. So what are some of the ways that we can use to, at the very least, avoid having to get to a legal dispute? Okay, so for me, it's quite simple. First and foremost, it's having a clear and concise lease agreement signed by the parties. Now, there's going to be some amendments to the Rental Housing Act soon, which we'll make hopefully soon. It's been a while now, but we should make a legal requirement to have a legal agreement reduced to writing. I think that's good form anyway and good practice to have that done anyway. But the major reason for that, for me, it comes down to intangibles, which is understanding of your responsibilities from both sides. So the clear and concise lease agreement, and for example, it says, although it doesn't usually, but the GISA is the tenant's responsibility. It's not usually the case. But let's say that this particular deal, that's what the lease says. It's very easy for landlord to refer back to that and say, listen, tenant, I understand you issue the GISA's burst, but look in the lease clause 3.1.2 says that it's the tenant's responsibility to maintain and replace the GISA. It's a ridiculous example, of course, because the GISA is usually done by the landlord, but you get just of it. If it's reduced to writing and signed by the parties, you can pretty much agree anything you want. So that's number one, clear and concise lease agreement signed by the parties and you can always refer back to it. The second thing, which is hugely important, transparency in the relationship and the communication. So for argument's sake, when a tenant asks you or has an issue with a utility dispute, as you said now, utility charge, the first thing you need to do is communicate. The landlord is charging you. That's the municipality is charging the landlord. You just pass it on. In fact, it's actually unlawful to make a profit on electricity and utilities in any event. So all I'm saying is that shows great transparency. If you can attach a great communication, if you can attach the invoice for argument's sake from the municipality, and that's one of the key things is transparency and communication because it leads to a diminishing of the distrust element in the relationship. So those are my top and concise lease agreements and transparency and communication. And you know, yeah, I think one of the things that we do underestimate when we are tenants, I'll wear the tenant hat for a little bit is we generally just have that sentiment that landlords are just out to make money, make my life difficult and overcharge me for certain things. And so even though we know that rent is the amount, so the fixed cost of this amount, the unfortunate thing with utility charges, especially when they're not prepaid, is that they do fluctuate. And more often than not when you do see that increase, your immediate assumption is, oh, they're trying to make a quick buck out of me. And sometimes it kind of starts there, right, where you have that perception. And I know we tend to have it. It's not just a South African thing, almost over a lot of us just seem to feel landlords is out there for blood. But when you see the figures, as you say, when you actually say, oh, snap, this is actually coming from, you know, COJ or whoever, like, say, if it's from the, you know, complex, this is the amount that's coming through, I think even you as a tenant realize that, okay, this is not my landlord trying to, you know, be malicious or make a bit of, you know, money from me. And it's such an important thing for us to be able to do because, unfortunately, we, we're not used to having those kinds of relationship with, you know, our landlords. It's usually just that love-hate relationship is almost like, you know, the relationship with the tax man. But you know, I just kind of have to do this thing, but you don't need to kind of be friendly with them. So I really like that transparency becomes a good thing. And I hope the landlords are listening because sometimes it even goes to when you start the relationship with your tenant started on that front. So don't even wait for the part where they end up complaining because one of the realities is more often than not during, you know, when we approach the winter season, that's when some of these bills also tend to go up. So when you've been sending that from the get go, they know that if winter comes and suddenly the electrical bill goes to 2000 rounds, you're not suddenly being transparent because you're trying, you know, you kind of save in face, but you've been doing it from the get go. And I want to find out from you at home, whether you're a landlord or a tenant, have you had certain disputes, whether they ended up being legal disputes or you are able to resolve them before getting attorneys in the mix? How did that go about? And I really want to hear from both landlords and tenants and some of the issues that you may have had with your tenant or your landlord and the different ways that you went about resolving those issues. Do share with us down below whether you're watching us on Facebook, Instagram, or of course, about settling these matters. Let's go for a quick break and see who that potential lucky winner is. And that lucky winner this evening is Tsebo Stephen Magupo. Tsebo Stephen Magupo, I hope you're watching, 2000 Rounds is up for grabs right here on the private property podcast with myself, Osama Ndouma Kumalo. This evening, as we look at settling legal disputes between landlords and tenants, you have until the end of the show, it's up to grab the 2000 Rounds that is in the money bag. And of course, I'm in conversation with Liyad Harder, who's a director at Harder Incorporated. Now, Liyad, and in the unfortunate event where whether you attend into a landlord and you do find yourself in a matter where you're now having a legal dispute with your tenant or your landlord, what are some active steps should you be taking? Because I think the reality is more often than not the one party, typically the landlord is the one who would probably know to go to an attorney first as opposed to it being the tenant who does that first and would know to serve whether it's a letter of demand or whatever kind of legal document that gets served. What are some of the dos and don'ts, especially in that in the early stages of a legal dispute between a landlord and a tenant? Okay, Osama. So now I can speak quite openly about the fact that I represent pretty much 95% of our clients are landlords. So I'm very centric. I'm going to give you a bit more information about that. We litigators, right? Litigators like to litigate. That said, Harder Incorporated is a three different type of law firm. We look to settle as a all of first core because we feel that there's much more value in that not only for our clients, but the fact for the tenant as well and the entire relationship as an element of fairness and justice in it. So I've got many thoughts on it and you're never, I think, regularly or often here from a litigator who's dissuading me from litigating and going against the business model, right? It's quite silly. But I think I said this last time I was on, but I really genuinely mean it. I think there's so much more value clients to our clients as landlords and settling the matter amicably. Now, here's the main reason for it. And I just was reading a Harvard Business Review article earlier today. In America, legal disputes and litigation cost 20 billion dollars to the major corporations. 20 billion dollars a year to major corporations only. It's not the whole country. And the reality is what this report is talking about in the Harvard Business Review is it's not just the money that you're spending on litigation, but it's having key personnel also being kept busy in litigation going to what they call their depositions and what we would call in court here, court hearings and everything else and consultations and whatever. So you're not only losing financially on legal fees, you're losing a lot of time and an angst is added to the equation. Now, that translate that now from a corporate to an individual landlord, it's amplified by that much more. You're an individual landlord with one property, right? And you've got a tenant in place. Not only you incur in legal fees, you're really anxious and feeling upset about the tenant and the situation. So you're blood pressures through the roof. Your health is being affected probably. But you're also spending a lot of time on it. And you probably at times, unfortunately, and I've seen it with individual landlords, you become besotted almost. You can't let go of the matter. It takes over your entire day. It takes over every thought you've got. And you just feel this anger all the time. And I'm saying, trust me, as a litigator, do not litigate. I mean, it's crazy. You can use that as a headline, I guess. As I say, business planners will say to me, what kind of businessmen are you? But I'm telling you now, it's a good thing to do. So after a long good summary on it, I must tell you a personal example. It literally happened to me in the last week. Actually, a tenant came to me for one of the 5% that happens. It came to me. They've got a company in a commercial office. It's a commercial slash industrial. So they've got an office and a warehouse in there. And they came to me about four months ago with an issue with the landlord. And the landlord happened to know, and I thought they'd be reasonable. So I said, guys, you know what, let's sit around the table and let's not litigate. You're in the cusp of litigation here of a million rent. There was the arrears that accrued after lockdown and everything else. I'm not going to mention clients' names, of course, for current fiduciary purposes. But the one company is in the alcohol industry and the other one's the landlord. And obviously, they're heavily affected by the restrictions and the bans being an alcohol industry. So I went to the landlord with them and I said, okay, guys, instead of litigating because you guys are at each other's throat, it was quite a buildup of animosity. I said, let's try settle this matter. I know both of you and I think we can settle it. I think that both looked at me quite strangely and saying, you know, why are you considering this approach? And I just said, I can guarantee you long term, if we can resolve this matter and you sign your new lease for five years, which is the intention and avoid litigation, you'll both be happier for it. So fortunately, they both gave me a chance and they listened to me and we mediated of sorts. It was informal mediation where I listened to both sides. I listened to the tenant, I listened to the landlord separately, and then I tried to come up with solutions. And we had a few back and forths. In fact, it took four months. And I can tell you, as of last week, sorry, this week, we signed the lease and everyone is as happy as they can be in the circumstances. And when I told you we were on the cusp of some serious litigation, I'm not joking, we were about or we were, I wasn't going to ever get involved in litigation side of things, but we were about, they were about to go at each other. It would have cost them both hundreds of thousands in litigation fees would have not helped either of them to concentrate on their core businesses, the landlord to have a tenant in place and collect rental and the tenant to operate and try run a business at a profit. So it's testament to the real power of settling matters. And that's why I said in my topic is settling is a sign of strength. It's not a sign of weakness where people think it is generally speaking. So that's my story on why settling is actually a better thing for you. And you know, as we've been saying, it's strange that a litigator would say don't litigate. And I know that it was also just something that you said the last time you were here. But I think it actually speaks because some of my best friends are attorneys. And even they typically would say try to not, you know, litigate, try to whatever the matter is. Don't go to court. We can send letters, send letters, but really the core of it is let's have a sit down. Let's see how we can manage this dispute outside of court because those things can drag plus with it being COVID, we're probably dragged even longer. The cost of it is actually so high. And I think when we look on the residential side is both parties usually just cannot afford that, right? Not just the tenant, but even you as a landlord for the most part cannot afford to end up in a long legal dispute with your tenant, who by the time you probably even see court is now no longer your tenant. So I think the very first big thing is the aim should not, the aim should be that you're not, it's not, you're not going to litigate. You're not going to get to court trying to resolve it as early as possible. And so we're in the event where we now know that we're not going to be litigating. We want to be able to settle and get in the boardroom with both our attorneys. Then what kind of trips would you share with us when we're in that space? Because I think the reality of a lot of those kinds of disputes is one party sometimes may feel very heavily agreed and still want some kind of recourse or remedy. The other party might think, well, I actually didn't do anything. I shouldn't have to be, whether it's paying X amount. So what are some of the dues and don'ts when we then find ourselves in that particular space where we're very clear that we're not going to try and take anything to court because you're normal tenants in a residential property and you're also a normal landlord who's probably got a few properties in your portfolio. So both parties from a financial perspective certainly don't have the means to want a drawn out thing. What should we be doing and not doing when we're now looking at resolving and settling that matter in an attorney's boardroom, for instance? Okay, so I'm going to say something as equally controversial as don't litigate, coming from a litigator. But I'm speaking now from 11 years of experience in residential evictions. I'm talking to the landlord right now. And a residential eviction is a very costly process. You're looking at $18,000 rent in legal fees plus sheriff's cost and a few months of not collecting rent. Once you've gone to war, you've gone to war. Don't expect the tenant to continue paying once you've decided to try and take them. So again, it's going to be controversial, but this is a very practical tip I've got for any landlord. Offer the tenant money to pay a deposit elsewhere. And I'll tell you why I say that. And it sounds, it goes against my grain and it also goes against the justice in this world, right? Someone that really owes you a month or two worth of rental and you're saying he has money for you to go away, but just hear me out for a second. If you don't do that and you go to war, the reality is you're going to be incurring those legal fees I just spoke about. You'll be then having a matter heard within the next three, four months until you get the eviction order, let's say with the person actually affected, two, three, four months, and you won't get rental for that time. That's going to cost you much, much more than offering someone seven and a half thousand and let's say that's their rental and say here's the money, go and pay the deposit somewhere else and please get out of here by the end of the month. It's a bitter pill to swallow, but trust me, trust me again from experience only and from seeing the pain and not wanting to see the pain. It's going legal and having the legal fees rack up and the time that it takes to evict someone two, three, four months, it's much more painful than that initial horrible sting of paying someone seven and a half thousand rent to leave if that's their monthly rental. Trust me, you'll get them out if they agree to the deal obviously. You'll get them out quicker and cheaper. Again, it goes against business model of a law firm, but take this as your free advice for the year and if you can do all matters like this, please do. The only time you should go litigate is your attendance is really being unreasonable. If you as a landlord are being very reasonable and attendance being very unreasonable, to the extent that they won't even take money to leave, then you have to litigate and the gloves are off and you're welcome to come to us and the claws will be out and every other sort of phrase I can use will use against these guys, but try to be practical and try to get the quickest possible solution for your own sake. Forget their sake, forget your ego and forget all the angst inside of you and the anger, just get the result as soon as you can. That's one practical tip that I can give you and that's probably my number one tip for eviction issues between clients because it also gives the tenant out. You say tenant, you're unhappy, I'm unhappy, he has money to go somewhere else as a tenant. You're not happy here, go there and I'm going to help you on your way. I promise you that if you do that, hopefully one day if you're a landlord listening to this and you've had the troubles of evictions before and you know it's costly, you know it's time consuming, you'll hopefully thank me when you've successfully done this kind of settlement in a matter and realize that you've got your property back earlier and you can start renting out to a more suitable tenant for your sake. You know Lea, one of the things I appreciate about you is you're not a typical attorney who's I'll say out for let's see how many clients we can get in as much as possible because you also understand the fundamental big picture. I think when we look at tenants in certain matters, certain matters really don't need to even get an attorney involved, right? Yes, there are certain instances where we absolutely have to especially as you're saying when you're dealing with unreasonable tenants but others and I've never fully and completely in arrears and so giving them that kind of out certainly does help substantially because they're thinking how am I going to then you know find another place where I'll probably need to pay that seven and a half thousand as a deposit and the first rental upfront and probably be somebody else's problem. I'd rather just stay here and I know that the landlord can't suddenly you know block my services or whatever the case is in the event where you then are dealing with an unreasonable tenant and you have to litigate and this is particularly for landlords. What are some of the things that you should not do in that process and already I hinted on some of the stuff that some landlords unfortunately do where they think I'll you know block your in switch off water and electricity while the case is but once you now know you know you're going to an attorney you're going full-on litigation what are the pros and don'ts when you're now in that process and your attorneys are not handling the matter? Okay so Zama once you go legal then what I would say is take a step back trust the professional you've gone to especially if you've gone to a property and hopefully you have because it's a big mistake in my mind if you don't so once you've gone trust the professional just like you were the doctor who's performing heart surgery on you it's not as drastic but it's like your equivalent of your investment laugh line you know you need to step back and let the professional take care of it and it's easier said than done but try relax and try understand that it's now under control and it's going to be handled don't do anything unlawful anything silly you know I've got a phone call as you imagine as a landlord's attorney the other day and the landlord's representatives have said okay can we lock out now and I said absolutely not I said but they said to me would it hurt our case and I said to be honest with you it won't hurt your case so when we bring the eviction application or the rental collection it will not hurt our case theoretically but what it will do is make you act unlawfully which means that the tenant and this is advanced for tenants because I'm actually absolutely pro tenants not be locked out and unlawfully you can go to court and get a spoliation order against the landlord now landlords are starting to be very concerned about this because not only can you get a cost or against you in a court application which can be substantial and cost you a lot of money but also it's actually a criminal act in terms of the rental housing act so you're just going to be careful I mean I don't know anyone first news ever been prosecuted criminally for you know breaching the Rental Housing Act but it's a concern you don't want to be the first guy or girl that gets prosecuted criminally in that regard so just be a bit wary of that actually very wary not a bit wary so let's go let a professional handle it do not do anything unlawful and if you can this is a doom right now try be reasonable with your tenants and try communicate with them still and say it's gone to my attorneys I don't want to have the the anxiety I don't want to have the emotional approach to it because it's with them now but if we are able to settle this thing amicably maybe I can write off some of your ears and I can let you you know off the hook for some of it please would you commit to leaving by a certain date that's something the attorney can then pick up on and and reduce to writing and have signed by the parties by way of a settlement agreement so I'm not encouraging you to go chase the tenant after you've gone legal but sometimes that the fact that it's gone legal is that extra push for the tenant to take you more seriously as a landlord and I would then capitalise on that and say okay there isn't an attorney on board but you can still settle the matter amicably directly with the tenant if you want to and the attorney will confirm that in writing to be made a settlement agreement and getting some of the comments and how long sometimes the justice system will be resolving certain things the court retakes you would know that you probably don't want to find yourself and you know in that space so you really do want to make sure that you settle outside of court as much as possible and and I think you know the really big thing and I've never heard it anyway with different you know guests and even different attorneys the option of giving the tenant that that you know the rental amount and be like you can go find you know a place elsewhere that's a tip that I'm certainly going to you know care with me because we often I think as landlords sometimes think well I've already lost out on two months with the rental why should I have to stay with this person and not understanding the longer term part is that if they then decide to stay for moments and obviously raking up you know not just the rental so they're living in a place where the utility charge is not prepaid they're also raking that up and potentially even damaging your place because you also know that unfortunately tenants who go into areas do tend to leave the place in a slightly undesirable way is it not rather financially better for you to give them that amount you know blame it on the game right to write it off and you know that within a week or two you're able to really put your apartment up with your property up and and getting you tenant leah before I let you go any final tips for our viewers at home when it comes to settling a legal dispute whether you know they're a tenant themselves or if they are a landlord so someone's going to touch on what you just said I think you're seeing a bigger picture and I love that you understanding that it's an infinite game not the finite game where there's no full-time score here you're looking to create an asset that's worth something in your property and you've got to look long-term and I just want to touch on that point of paying the controversial point of paying a tenant who's in areas to leave just do the maths guys I mean that it's very simple as a landlord you've got a tenant who already owes you a month or two otherwise you wouldn't be doing any of this right you're ready in let's assume the rentals five thousand a month you down ten thousand ran plus potential utilities and let's say you go legal and the person digs their heels in and you and even if they don't oppose it they just stay in the premises you're looking at three months worth of non-rental again that's an extra 15 thousand ran on top of the 10 that's 25 thousand rents then you're looking legal fees that's rounded up to 20 thousand ran so now you're looking at 45 thousand rent before you potentially have your tenant out compare 45 thousand as much as it hurts and the bitter pill to swallow against seven and a half thousand paying someone to leave even if you add the current areas of 10 thousand ran at 17 and a half thousand ran versus 45 thousand rents and you get your premises back almost immediately as you say maybe two weeks you've got to think bigger picture you've got to think that settling is the ultimately the better results for you prior to side ego aside principles aside for now principles cost money what they they love to say and it's very very true you can go after them you can sue them you can do anything you want you can get judgment against them there's no guarantee you'll get your money back and when you evict them there is a guarantee they'll get evicted because i've got a motto in our firm that's a question of when not if we will always evict someone just how long will it take but that time period and that does cost are just not worth it so in closing my final tip about in addition to that tip of paying seven and a half thousand rent whatever the monthly rental is for them to leave is to think strategically about every single matter as a landlord if you want to if you want to save money and time and anxiety settle matters settle them quickly and settle them fairly and to the tenant who are out there trust me you're lucky that you're not getting a letter from our firm or summons or eviction order take that money and run trust me it's better for you long term it doesn't affect your credit rating that way you won't have judgments against you you you won't have all the anxiety yourselves of being sued and have been dragged to court so it's good for everyone so be fair to each other be open minded to settling egos aside principles gone settle settlement and and and quick resolution to matters is the big one for everyone they are i love that you know settle settle quickly and the big one settle fairly and then one of the big things as a landlord in particular is understanding the fundamental long-term view when it comes to real estate it's not just that one tenant or that one property and you know those three months if you've got that asset you know that you might be looking at holding on to it for five 1015 20 years and so when you take that long term view you know that that seven and a half thousand rands is is really a drop in the ocean in the grand scheme of things and i think of anything if you ever you'll find yourself in in in a legal matter certainly do go to how to incorporate it because one of the things that you know you're going to be guaranteed is that they're not going to be pushing litigation and as much as it would make business sense for them but what we're looking at how do we resolve this quickly and fairly and as a landlord that would certainly be something that you are looking out for uh leah we're going to leave it there this evening thank you so much for joining us on the show it's always such a pleasure to have you thank you so much i'm looking forward to the next time and that is leah harder who's a director at harder incorporated wrapping up the friday edition of the private property podcast with myself was a man doing and unfortunately what's happening or has not uh you know dropped us a message down here below meaning monday the manuals over the intact 2005 and the brands in the money bag well it is my time to go and of course i'll be back on your screens on monday evening at seven here you can look forward to the home shopper's show with child this evening at eight until then hopefully you're staying home and staying safe are you interested in growing your property portfolio on an international scale then this online event is specifically designed for you the south african property network and wealth migrate have partnered up to introduce sapin global invest your ideal source of safe and secure offshore property investing offering better annualized returns of up to 10 to 20 percent we invite you to join our upcoming virtual event hosted on 6 october 2021 at 6 to 9 p.m where you can find out how this platform enables you to create real wealth with offshore investments today learn how to diversify through international real estate deals how to 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