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I want to get funding for my business and I dont have tens of thousands of dollars at this time for a private placement memorandum can I get friends and family to buy some of my stock without them being smart or rich if the stock or sucurities is only $20 dollars a share? and if I wanted to go public instead of private what is the process? Is it possible that I can have a general private placement memorandum template and then have it corrected by a lawyer? thank you