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Access Financial Group (AFGinvest.com) is my bread winning but I share the bread of life through our non-profit organization, Carved In Stone. We encourage people to live by the "10 Standards of Excellence" TM. Business: There are times to be in the investment market and times to be out. Let me explain. Our clients are glad we've understood this. Music: We are in the business of changing lives and giving hope when you feel there is no hope.