With each year, new possibilities. And astute loan officers are quick to take advantage of what the new year brings, raising their commission levels and catapults to top producer status in no time.
I ask you one simple question: "Are you all you can do to maximize your earnings? "
Anyone in the mortgage industry for at least one years, knows that if house prices rise, do under the loan limits of both Fannie Mae and Freddie Mac. January is a great time to go through your existing customer base, and drilling for hidden opportunities. It is "found" money. And it is for you.
Here is a quick and easy way you can New Year start with a bang.
Go through All Your past customers, and pull out all the "JUMBO" loans you closed last year and before. As you know, the interest these loans are typically half a percentage point or more above standard meets loans.
The annual increase in loan limits, this is a great opportunity for an existing customer JUMBO refinancing of a loan, according to a regular loan and cut their interest! Even a small rate reduction can a customer hundreds of dollars in their monthly cash flow and thousands of dollars in interest over the life of their loan. It is simple math and the savings are black and white.
JUMBO loans refinancing loans is consistent easy money and your customers will be happy to! How many loan officers do you know that pro-actively and genuinely looking for ways to save money for their clients? Not much, I sure!
And those who do, certainly not to share their secrets with you. But, I will. This is the easiest sales call you've ever made! Not to forget The references you get back. It is a win-win situation. Miss the boat.
Your past customers are your greatest asset. They know you, they have a relationship with you, and they trust your. Waste no time! I beg you! Go through your customer database and mine now that you wait for the gold. What are you waiting for?
With the same old same old thinking and doing things same old way, you get nowhere. Think different. Be proactive. Add value to your relationship with your clients when you can. Explore the possibilities that lie hidden all around you. Do this and you will quickly vault to top producer status in no time. Not to mention your income and lifestyle will increase as a result.
Finally, always remember that every new year brings higher loan limits – and with it-a chance to pull in some quick, easy loan refinance. Whether you take full advantage and raise your level of the Commission, is whole.
The gold is there waiting for you, ready to be applied. But, you can reach out and take?
About the Author:
Rob Lawrence is ranked one of top national trainers in the mortgage industry. He is the currently the CEO of Battlecall.com, coaching, tools and resources to turn mortgage professionals into mortgage warriors. Visit http://www.battlecall.com for his free “Sink Or Swim” weekly newsletter, mortgage training, marketing advice and more! Jumpstart your career in the mortgage business, starting today.
Article Source: ArticlesBase.com – New Year and New Loan Limits Mean New Opportunities in the Mortgage Business
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Be Proactive $5.78 World-renowned expert in leadership and organization, Dr. Stephen R. Covey, presents an in-depth look at Habit 1…. |
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Proactive Intelligence (Hardcover) $217.96 Traditionally, tapping into the power of competitive intelligence (CI) meant investing in the development of an internal CI unit or hiring outside consultants who specialized in CI. Proactive Intelligence: The Successful Executive`s Guide to Intelligence offers an alternative: learn how to do it yourself and how to effectively manage the parts you cannot. The tools and techniques that will enable you to produce your own CI for your consumption are out there, and have been honed by decades of work. But, you cannot just adopt them ? you have to adapt them. Why? Because, when you finish reading this book, you will be the data collector, the analyst, and the end-user. Traditional CI is premised on a reactive, two part relationship ? a CI professional responding to what an end-user identifies as a need; by doing this yourself you can turn CI from being reactive to being proactive. As the decision-maker, you can get what CI you need, when you need it, and then use it almost seamlessly. Written by two of the foremost experts on CI, Proactive Intelligence: The Successful Executive`s Guide to Intelligence: shows where and how CI can help you and your firm, provides practical guidance on how to identify what CI you need, how to find the data you need, and how to analyze it, and discusses how to apply CI to develop competitive- and career- advantages. Each chapter is supported by important references as well as by an additional list of resources to support and supplement your knowledge. Proactive Intelligence: The Successful Executive`s Guide to Intelligence teaches you how to generate proactive intelligence and use it to advance your business and your career- making it an essential resource for managers and executives, as well as everyone who wishes to integrate CI into their daily work routine. |
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Iams Minichunks ProActive Dry Food 17.5lb $23.69 Iams(R) ProActive Health™ Adult MiniChunks Dry Dog Food Iams(R) ProActive Health™ Adult MiniChunks Dry Dog Food contains proteins sourced from chicken and egg coupled with seven essential nutrients to nourish the heart and body. The antioxidants helps maintain a strong immune system with gentle fiber source, so that your pet, smoothly absorbs the nutrients and the crunchy kibbles scrubs your dog’s teeth, reducing plaque and tartar buildup. Iams(R) ProActive Health™ is made in the USA. Features: Made in the USA Helps build strong, firm muscles with protein sourced from chicken and egg Enriched with antioxidants to help maintain a strong immune system, they’re also a gentle fiber source to support your dog’s ability to absorb nutrients Crunchy kibbles scrub your dog’s teeth with every bite to help reduce plaque and tartar buildup that can lead to bad breath Vet recommended 100% complete and balanced, with no fillers or artificial preservatives. 100% Satisfaction Guaranteed Item Specifications: Size: 17.5 lbs 33 lbs Flavor: Chicken Recommended For: Normally active adult dogs over the age of one Guaranteed Analysis: Crude Fat (min): 15.00% Crude Fiber (max):4.00% Crude Protein (min):26.00% Moisture (max): 10.00% Ingredients: Chicken, Corn Meal, Ground Whole Grain Sorghum, Chicken By-Product Meal, Chicken Fat (preserved with mixed Tocopherols, a source of Vitamin E), Dried Beet Pulp, Chicken Flavor, Chicken Meal, Potassium Chloride, Dried Egg Product, Brewers Dried Yeast, Salt, Flax Meal, Fish Oil (preserved with mixed Tocopherols, a source of Vitamin E), Caramel, Calcium Carbonate, Choline Chloride, Minerals (Ferrous Sulfate, Zinc Oxide, Manganese Sulfate, Copper Sulfate, Manganous Oxide, Potassium Iodide, Cobalt Carbonate), Vitamins (Vitamin E Supplement, Ascorbic Acid, Vitamin A Acetate, Calcium Pantothenate, Biotin, Thiamine Mononitrate (source of vitamin B1), Vitamin B12 Supplement, Niacin, Riboflavin Supplement (source of vitamin B2), Inositol, Pyridoxine Hydrochloride (source of vitamin B6), Vitamin D3 Supplement, Folic Acid), DL-Methionine, Rosemary Extract |
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Iams Minichunks ProActive Dry Food 33lb $41.89 Iams(R) ProActive Health™ Adult MiniChunks Dry Dog Food Iams(R) ProActive Health™ Adult MiniChunks Dry Dog Food contains proteins sourced from chicken and egg coupled with seven essential nutrients to nourish the heart and body. The antioxidants helps maintain a strong immune system with gentle fiber source, so that your pet, smoothly absorbs the nutrients and the crunchy kibbles scrubs your dog’s teeth, reducing plaque and tartar buildup. Iams(R) ProActive Health™ is made in the USA. Features: Made in the USA Helps build strong, firm muscles with protein sourced from chicken and egg Enriched with antioxidants to help maintain a strong immune system, they’re also a gentle fiber source to support your dog’s ability to absorb nutrients Crunchy kibbles scrub your dog’s teeth with every bite to help reduce plaque and tartar buildup that can lead to bad breath Vet recommended 100% complete and balanced, with no fillers or artificial preservatives. 100% Satisfaction Guaranteed Item Specifications: Size: 17.5 lbs 33 lbs Flavor: Chicken Recommended For: Normally active adult dogs over the age of one Guaranteed Analysis: Crude Fat (min): 15.00% Crude Fiber (max):4.00% Crude Protein (min):26.00% Moisture (max): 10.00% Ingredients: Chicken, Corn Meal, Ground Whole Grain Sorghum, Chicken By-Product Meal, Chicken Fat (preserved with mixed Tocopherols, a source of Vitamin E), Dried Beet Pulp, Chicken Flavor, Chicken Meal, Potassium Chloride, Dried Egg Product, Brewers Dried Yeast, Salt, Flax Meal, Fish Oil (preserved with mixed Tocopherols, a source of Vitamin E), Caramel, Calcium Carbonate, Choline Chloride, Minerals (Ferrous Sulfate, Zinc Oxide, Manganese Sulfate, Copper Sulfate, Manganous Oxide, Potassium Iodide, Cobalt Carbonate), Vitamins (Vitamin E Supplement, Ascorbic Acid, Vitamin A Acetate, Calcium Pantothenate, Biotin, Thiamine Mononitrate (source of vitamin B1), Vitamin B12 Supplement, Niacin, Riboflavin Supplement (source of vitamin B2), Inositol, Pyridoxine Hydrochloride (source of vitamin B6), Vitamin D3 Supplement, Folic Acid), DL-Methionine, Rosemary Extract |
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Iams Chunks ProActive Dry Dog Food 8lb $11.01 Iams(R) ProActive Health™ Chunks Canned Dog Food Case 12 Pack Iams(R) ProActive Health™ Chunks Canned Dog Food Case completely qualifies as a homemade delicacy. The protein rich meal has been prepared with real broth and the added vitamins and minerals ensure that your dog receives only the best in every bite. ProActive Health™ canned recipes with PreBiotics plus added vitamins and minerals gives dogs the taste they love and nutrition they need to support strong defenses. Iams(R) ProActive Health™ is made in the USA. Features: Made in the USA Gives your pet the taste and nutrition of a homemade meal With real broth in every healthy bite, your pet will find mealtime irresistible Made from natural ingredients slow-cooked in real broth PLUS added vitamins, minerals and amino acids Item Specifications: Size: 12 Pack (12.3 oz. each can) Flavor: Chicken and Beef in Gravy Chicken and Vegetables in Gravy Chicken in Gravy Beef and Vegetables in Gravy Chicken and Beef in Gravy Guaranteed Analysis: Crude Protein (min): 8.00% Crude Fat (min): 5.00% Crude Fiber (max): 1.50% Moisture (max): 82.00% Omega 6 Fatty Acid (min): 0.80% Omega 3 Fatty Acid (min): 0.10% Chicken and Beef in Gravy Ingredients: Meat Broth, Chicken, Chicken Liver, Chicken By-Products, Beef, Wheat gluten, Meat By-Products, Dried Beet Pulp, Salt, Flax Meal, Guar Gum, Dextrose, Potassium Chloride, Vitamins (Vitamin E Supplement, Ascorbic Acid, Thiamine Mononitrate (source of vitamin B1), Calcium Pantothenate, Biotin, Vitamin B12 Supplement, Niacin, Riboflavin Supplement (source of vitamin B2), Inositol, Pyridoxine Hydrochloride (source of vitamin B6), Vitamin D3 Supplement, Folic Acid), Caramel, Calcium Sulfate, Carrageenan, Choline Chloride, Xylose, Sodium Tripolyphosphate, Minerals (Ferrous Sulfate, Zinc Oxide, Manganese Sulfate, Copper Sulfate, Manganous Oxide, Potassium Iodide, Cobalt Carbonate) Chicken and Vegetables in Gravy Guaranteed Analysis: Crude Protein (min): 8.00% Crude Fat (min):5.00% Crude Fiber (max):1.50% Moisture (max): 82.00% Omega 6 fatty Acid (min):0.80% Omega 3 Fatty Acid (min): 0.10% Chicken in Vegetables in Gravy Ingredients: Chicken Broth, Chicken, Chicken Liver, Chicken By-Products, Wheat gluten, Carrots, Peas, Meat By-Products, Dried Beet Pulp, Salt, Flax Meal, Guar Gum, Dextrose, Calcium Sulfate, Potassium Chloride, Titanium Dioxide, Vitamins (Vitamin E Supplement, Ascorbic Acid, Thiamine Mononitrate (source of vitamin B1), Calcium Pantothenate, Biotin, Vitamin B12 Supplement, Niacin, Riboflavin Supplement (source of vitamin B2), Inositol, Pyridoxine Hydrochloride (source of vitamin B6), Vitamin D3 Supplement, Folic Acid), Carrageenan, Choline Chloride, Xylose, Sodium Tripolyphosphate, Minerals (Ferrous Sulfate, Zinc Oxide, Manganese Sulfate, Copper Sulfate, Manganous Oxide, Potassium Iodide, Cobalt Carbonate), Caramel Chicken and Gravy Guaranteed Analysis: Crude Protein (min): 8.0% Crude Fiber (max): 1.5% Crude Fat (min): 5% Moisture (max): 82% Chicken in Gravy In |
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100% Kanekalon Jumbo Braid $2.29 Sassy Kanekalon Jumbo Braid for softer, silkier braids. |
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Sassy Kanekalon Jumbo Braid $2.29 Sassy Kanekalon Jumbo Braid for softer, silkier braids. |
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Inflatable Jumbo Tiki Pole $16.99 The Inflatable Jumbo Tiki Pole inflates to 6′ tall! |
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SpongeBob Jumbo Foil Balloon $6.99 “Includes 1 jumbo mylar balloon. Measures 26″”.” |
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Thomas Jumbo Foil Balloon $6.99 “Includes 1 jumbo mylar balloon. Measures 26″”.” |
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Princess Jumbo Foil Balloon $6.99 “Includes 1 jumbo mylar balloons. Measures 34″”.” |
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Unicorn Jumbo Foil Balloon $6.99 “Includes 1 jumbo mylar balloon. Measures 33″”.” |
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Super-Jumbo Passenger Carriers $34.99 Super-Jumbo Passenger Carriers – Giclee Print |
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Jumbo, The Children’s Giant Pet $59.99 Jumbo, The Children’s Giant Pet – Wall Decal |
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Jumbo, the Children’s Giant Pet $39.99 Jumbo, the Children’s Giant Pet – Giclee Print |
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Mt. Jumbo, Missoula, Montana $24.99 Mt. Jumbo, Missoula, Montana – Premium Poster |
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Jumbo Rocks Area $24.99 Richard Cummins Jumbo Rocks Area – Photographic Print |
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Gator GL-JUMBO Lightweight Jumbo Acoustic Guitar Case $89.99 Gator GL-JUMBO Lightweight Jumbo Acoustic Guitar Case |
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Gold Spiked Jumbo Hoop Earrings $39 Gold Spiked Jumbo Hoop Earrings |
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Jumbo Duck Pool & Spa Chlorinator $21.99 Jumbo Duck Pool & Spa Chlorinator |
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Jumbo Gator Pool & Spa Chlorinator $21.99 Jumbo Gator Pool & Spa Chlorinator |
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Prince Lionheart Jumbo Corner Guards $11.95 Prince Lionheart Jumbo Corner Guards |
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Prince Lionheart Jumbo Edge Guards $24.99 Prince Lionheart Jumbo Edge Guards |
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Saw Palmetto PROACTIVE, 30 CAP $23.99 Saw PalmettoSaw Palmetto (Serona Repens) is an herb that relieves the conversion of testosterone to dihydortestosterone, which helps to relieve the development of prostate disease and may also be beneficial for genitourinary problems, endocrine disorders, infertility, impotence, menstrual disorders, ovarian dysfunction, lactation, thyroid deficiencies, and painful menstrual periods.(Saw Palmetto “Prost Active” by Natures Way). |
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Ultrak T-4 Jumbo Dual Timer $32 Ultrak T-4 Jumbo Dual Timer |
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Ultrak T-2 Jumbo Countdown Timer $20 Ultrak T-2 Jumbo Countdown Timer |
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Jumbo Rock N Roll Glasses $7.99 Jumbo Rock N Roll Glasses |
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Snazaroo Jumbo Face Painting Pallet $69.99 Snazaroo Jumbo Face Painting Pallet |
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Jumbo Afro Clown Deluxe Wig $19.95 Jumbo Afro Clown Deluxe Wig |
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Jumbo Santa Set/ Father Xmas $139.99 Jumbo Santa Set/ Father Xmas |
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Super Size Jumbo Afro Wig $39.95 Super Size Jumbo Afro Wig |
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Jumbo Slate Address Plaque With Bracket $229 Jumbo Slate Address Plaque With Bracket |
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LACE JUMBO NET THIGH HIGHS $6.99 LACE JUMBO NET THIGH HIGHS |
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Disney Mickey Jumbo Gift Bag $5.99 Includes (1) jumbo gift bag. |
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Hospital Honey – Nurse Jumbo Hypo $4.99 Includes one jumbo hypodermic needle. |
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Justin Bieber Jumbo Gift Bag $3.99 Includes (1) Jumbo Gift Bag. |
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Jumbo Coloring Pad – Blue – 4226 $12.99 Jumbo Coloring Pad – Blue – 4226 |
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Taylor Jumbo Gig Bag Tan $83.99 Taylor Jumbo Gig Bag Tan |
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SKB SKB-2416 ATA Jumbo Case $194.99 SKB SKB-2416 ATA Jumbo Case |
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Meinl Skin Maracas Natural Jumbo $59.99 Meinl Skin Maracas Natural Jumbo |
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Road Runner Jumbo Stick Bag $20.99 Road Runner Jumbo Stick Bag |
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Straw,Jumbo,Wrpd Flex,We $3.99 STRAW,JUMBO,WRPD FLEX,WH |
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JUMBO THERM PRINTHEAD CLN PENS $16.99 JUMBO THERM PRINTHEAD CLN PENS |
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Tissue,Bath,Jumbo Roll,We $59.99 TISSUE,BATH,JUMBO ROLL,WE |
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Proactive Classroom Management, K-8 (Paperback) $63.8 This book provides easy-to-use, innovative strategies and methods to help educators empower students to take responsibility for their behavior. These activities provide opportunities for students to learn how to manage their own behavior and become self-reliant, responsible students and citizens. Additionally, this book invites and encourages readers to take a keen look at ways they might be adding to rather than reducing behavioral problems in classroom settings. |
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Disney Tinker Bell Jumbo Pencil (1) $1.99 Includes (1) jumbo pencil. |
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Space Bag Jumbo Space-Saver Tote $51.95 1 Jumbo Stackable Tote |
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Jumbo Roller Pins $1.49 Marianna Jumbo Roller Pins are durable to last a long time. |
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Jumbo Magnetic Rollers $3.99 Salon Care Jumbo Magnetic Rollers is the perfect tool for wet sets. |
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Jumbo Hair Pins $2.29 Sta-Rite Jumbo Hair Pins are geat for keeping hair in place. |
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Cave Club Jumbo $6.99 Jumbo cave club measures approximately 27 inches long. |
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Jumbo Inflatable Birthday Cake $29.99 “Includes (1) Jumbo Inflatable Birthday Cake. Plastic; 72″” high.” |
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Jumbo Gold Trophy Cup $5.99 “Includes 1 Jumbo Gold Trophy Cup.Plastic; 8″” H. Plastic.” |
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Jumbo Cupcake Whirl (1) $4.99 Includes (1) Jumbo Cupcake Whirl. 4′ H; foil. |
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Jumbo Cardstock Stickers-Cowgirl $3.99 Contains (1) 11”x5” sheet of jumbo stickersMade of cardstockAcid & lignin free |
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Jumbo Cardstock Stickers-Loolah $3.99 Contains (1) 11”x5” sheet of jumbo stickersMade of cardstockAcid & lignin free |
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Jumbo Cardstock Stickers-Cowboy $3.99 Contains (1) 11”x5” sheet of jumbo stickersMade of cardstockAcid & lignin free |
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Jumbo Cardstock Stickers-Be A Man $3.99 Contains (1) 11”x5” sheet of jumbo stickersMade of cardstockAcid & lignin free |
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Classic Jumbo Waste Basket $297 Add a traditional touch to your bed or bathroom with this jumbo wastebasket finished in a mahogany. |
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Jumbo Jet Banking Into Sunset $24.99 Peter Walton Jumbo Jet Banking Into Sunset – Photographic Print |
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Lion Jumbo 35 Foil Balloon $6.99 Lion Jumbo Foil Balloon measures 35″ wide. |
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Horse Jumbo 43 Foil Balloon $9.99 Horse Jumbo Foil Balloon measures 43″ long. |
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Pig 30 Jumbo Foil Balloon $6.99 Pig Jumbo Foil Balloon measures 30″ high. |
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Jumbo Crayons (4 Boxes of  $3.99 Package includes (4) boxes of 8-count Jumbo Crayons. |
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Multi-Color Jumbo Metallic Fan $15.99 Includes (1) Jumbo Metallic Fan. 4′ W. |
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Over the Hill Jumbo Inflatable Cane $6.99 “Includes one 46″” high jumbo inflatable cane.” |
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Jumbo Winner Award Medal Necklace $3.99 “Includes 1 Jumbo “”Winner”" Award Medal Necklace.” |
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1st Place Jumbo Award Ribbon $3.99 Includes 1 – 1st Place Jumbo Award Ribbon. |
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Popcorn Box Jumbo Foil Balloon $6.99 “Includes 1 jumbo mylar balloon. Measures 38″”.” |
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Eskimo, Jumbo Window Card, 1933 $19.99 Eskimo, Jumbo Window Card, 1933 – Premium Poster |
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Iams Original Chicken ProActive Dry Cat Food 20lb $33.43 Iams(R) ProActive Health™ Adult Orignal with Chicken Dry Cat Food Iams(R) ProActive Health™ Adult Orignal with Chicken Dry Cat has PreBiotics that work inside the digestive tract to promote healthy digestion and strong defenses. Iams(R) ProActive Health™ provides the wholesome, nutrient-rich goodness your cat needs to stay strong and active. Iams ProActive Health™ with Chicken helps maintain lean muscles and a healthy weight by providing the right amount of choice chicken baked into crunchy kibbles that keep teeth clean, tartar-free. It’s also fortified with minerals for strong bones, taurine for healthy heart and eyes and rich in fish oils for a sleek, shiny coat. Plus, it has a gentle fiber to support your cat’s ability to absorb nutrients. Iams ProActive Health™ is made in the USA. Features: Made in the USA Select natural ingredients with added vitamins, minerals and amino acids PreBiotics that work inside the digestive tract to promote healthy digestion and strong defenses No fillers or artificial preservatives Helps maintain lean muscles and a healthy weight Crunchy kibbles that keep teeth clean, tartar-free Provide essential nutrients and amino acids for clear eyes and a strong heart Fortified with minerals for strong bones Taurine for healthy heart and eyes Rich in fish oils for a sleek, shiny coat Contains gentle fiber to support your cat’s ability to absorb nutrients Item Specifications: Size: 20 lbs Flavor: Chicken Recommended For: Cats over one year Guaranteed Analysis: Crude Protein (min):33.00% Crude Fat (min):15.00% Moisture (max):10.00% Ash (max):7.00% Crude Fiber (max):3.00% Taurine (min):0.15% Magnesium (max):0.10% Ingredients: Chicken, Chicken By-Product Meal, Corn Meal, Corn Grits, Chicken Meal, Dried Beet Pulp, Dried Egg Product, Natural Chicken Flavor, Sodium Bisulfate, Potassium Chloride, Fish Oil (preserved with Mixed Tocopherols, a source of Vitamin E), DL-Methionine, Brewers Dried Yeast, Choline Chloride, Calcium Carbonate, Vitamins (Vitamin E Supplement, Niacin, Ascorbic Acid, Vitamin A Acetate, Calcium Pantothenate, Biotin, Thiamine Mononitrate (source of vitamin B1), Pyridoxine Hydrochloride (source of vitamin B6), Vitamin B12 Supplement, Riboflavin Supplement (source of vitamin B2), Inositol, Vitamin D3 Supplement, Folic Acid), Minerals (Zinc Oxide, Manganese Sulfate, Copper Sulfate, Potassium Iodide, Cobalt Carbonate) |
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Instant Heat Jumbo Rollers $26.99 Instant Heat Jumbo and Super Jumbo Hot Rollers… Create glam waves and smooth hair with 4 super jumbo/8 jumbo hot rollers. Infused with ceramic technology for better heat transfer. Ceramic technology for better heat transfer and longer-lasting curls; 12 jumbo and super jumbo ceramic flocked rollers: 4 super jumbo rollers (1.75″), 8 jumbo rollers (1.5″); 12 clips for a more secure hold; Stay-cool end rings; Ready dot; On/off switch; Power indicator light; 5-foot line cord; UL listed. |
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Unisex Brown Deluxe Jumbo Afro Wig Adult $15.97 Features a jumbo brown Afro wig. |
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Florida Magnet 2D Jumbo Map(Pack Of 72) $238 Florida magnet 2d jumbo map… |
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Transparent Dolphin Jumbo 37 Foil Balloon $6.99 Includes 1 jumbo foil balloon. |
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Disney Cars 2 – Jumbo Crayons (12 count) $1.99 Includes (12) assorted jumbo crayons. |
