When Don Ludwig was a fairly new member at the Kiwanis Club of Torrey Pines in the mid-1990s, he attended a luncheon with a special — and ultimately, influential — speaker.
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When Don Ludwig was a fairly new member at the Kiwanis Club of Torrey Pines in the mid-1990s, he attended a luncheon with a special — and ultimately, influential — speaker.
Owning a home is a keystone of wealth… both financial affluence and emotional security.