Lou Ludwig CRB, CRS, CIPS, GRI, SRES, TRC, e-PRO,

An open message to Mr. Edward M. Liddy, Chairman and CEO of AIG

Last month the United States Government stepped in with taxpayer's money to save AIG. The bailout is costing the U.S. taxpayer Eighty Five Billion Dollars ($85,000,000,000.00) with the first request.

In addition, AIG has requested an additional $37,800,000,000.00 in loans. In round numbers AIG is operating with over $100 billion dollars of taxpayer's money.

My concern is AIG is wasting my money and my fellow Americans money on excess and out of date practices in our challenging times. It's amazing that your company is so out of touch with the reality of the times.

It's been widely reported that:

There was an $86,000.00 hunting trip in England, and a taxpayer funded $440,000.00 weekend California retreat.

That is over half a million on just two examples of excess spending by AGI. Is there more?

The Board of Directors and the company's management is in charge of protecting the company's assets and the shareholders. My fellow American's and I are now shareholders, as a result of the bailout, and I would like to see our interests protected.

Sincerely,

Lou Ludwig

American Taxpayer

Inspirational Power Quote

Be Curious

"Around here, however, we don't look backwards

for very long.

We keep moving forward,

opening up new doors and doing new things,

because we are curious. . .

and curiosity keeps leading us down new paths."

Walt Disney

As I see it. . . . . . . .

Have an open mind, look for ways to make a difference, and always be curious.

Inspirational Power Quote

Your Destiny

"It's in your moments of decision

that your destiny is shaped."

Anthony Robbins, author

As I see it. . . . . . . .

In the moments that a decision has to be made trust in yourself, trust your judgment and be willing to take calculated risks to achieve your desired outcome.

GRI I - Key Lago

December 2, 3, 4, 9, 10, and 11, 2008

Fun, Sun and GRI

Approved for 45-hours of Sales Associate Post Licensing

Or

11-hours specialty CE <and> 3-hours Core Law

Tuition:

On or before November 15, 2008

Members & Non-Members $247.50

After November 15, 2008:

Members & Non-Members $287.50

Location:

Florida Keys Board of REALTORS®

Training Center

92410 Overseas Highway,

Suite #3

Tavernier, FL 33070

Sponsors:

Florida Keys Board of REALTORS® and the Florida

Association of REALTORS®

To register: 305-852-9294 - fax: 305.852.0716

or logon to: http://www.flkeysboardofrealtors.com

Too busy for classes? You can now take GRI-1 online! Logon to: http://www.fargri.com

Do you have the latest information on financing alternatives?

Are you aware of

recent changes in the tax code that may protect your bottom line and that may have

significant implications for your buyers and sellers? Are you up-to-date with the most

recent changes to Florida real estate law? Effective closing techniques, fair housing

and agency issues round out this course, designed to take you successfully from first

contact to closing.

About GRI

The GRI designation - Graduate, REALTOR® Institute - is the nation's #1 real estate

designation. It is earned through state associations whose REALTOR® Institute

courses of study meet the standards established by the National Association of

REALTORS®. The designation is available only to members of NAR.

The Florida REALTOR® Institute is the exclusive source of the GRI designation in

Florida. REALTORS® and REALTORAssociates ® earn the GRI designation after

successfully completing three rigorous and comprehensive real estate courses. To earn a

GRI designation, all three GRI courses must be completed within a five year period from the

date the first course is completed. This provision includes students who have

completed part of their course work

Inspirational Power Quote

Try, Try and Try Again

"Trying times are not the

times to stop trying."

Ray Owen, writer

As I see it. . . . . . . .

Maintain persistence when facing challenges. Stay focused on your goals when obstacles are in front of you. When things seem to become too difficult go back and try, try and try again until you reach your desired results.