Yesterday, the FED announced that they are not planning to increase their rate for at least 6 months. If your current rate is over 4.00%, please give the Pacific Bay Financial team a call.
Mortgage Solutions For You!
Author: Manny Kagan
What Not To Do When You Are Unhappy
“Happiness or unhappiness often does not depend on the actions of others, but on your own.”
Lately a lot of print space, social media, and tv has been devoted to the events in Ferguson, MO. I knew about it in passing and read about the protestors in Oakland and the resulting damage and looting in the stores. But when I read Debra J. Saunders’ article in the Sunday’s SF Chronicle, “Don’t shoot (your mouth off) before all the facts are known”, I got a much clearer picture about what has been going on.
There is so much going on in the world where different groups are trying to make their point by killing each other. I don’t usually follow these stories, since there is little I can do to prevent these things from happening, other than listening or reading about them in the news.
For me, Ferguson is far away and even problems in Oakland are not exactly my problems. (I have a handful of my own.) But, what happened in San Francisco was closer to home. Especially since I was on the Union Square before peaceful protests turned violent. And again, I found out about what happened only on Sunday in the SF Chronicle.
I do not like crowds, but on Black Friday afternoon, I went to downtown to photograph shoppers for my online photo book, “Encounters in San Francisco”.
There were mobs of people in front of Macys and other stores. A long line standing to get to The Cheesecake Factory restaurant. A small group of policeman was peacefully chatting. I went into Macys where from the 5th floor, I photographed the crowded Union Square. (Images coming soon in my Christmas newsletter.) Afterwards, I went to the square where a crowd had formed. In the middle was a group of people with place cards, mostly white folks. One yelled some slogans into a megaphone, which others would echo. Then there was another white guy who would whistle and the crowd would respond in return. People were expressing their opinion against “police brutality” in peaceful democratic form. I took some of the images and left, pursuing other photo-opportunities.
Apparently after I left, a group of hooligans, whose purpose was to distract the joyful crowd, attacked the police, broke windows, and looted, perhaps to get attention made all of the noise. Will their looting and violence bring justice to those who deserve it or change anything? In my view, true peace and justice be accomplished only through good intentions, never through intimidation or violence.
P.S.
My images only tell part of the story, but I have others, more joyful ones which I will share with you later.
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Mortgage Solutions For You!
I received an email from a client, whose loan we refinanced last time in 2011. It was a mortgage fixed for 7 years and the rate would become adjustable in 2018.
Since then, she accumulated credit card debts, which cost her about $600/month. Being on a fixed income, this situation was challenging. After checking the rates, I saw that we can get her the same rate, extend her fixed loan until 2022, add $30,000 of the credit cards to the mortgage, and her monthly payment would go up only $20/month.
Huge Savings!
Cheers,
Can We Be Or Not Be Meat Eaters?
“You do not have to be a vegetarian, just eat less meat.”
My wife Elfa and I are pescatarians. This is not a rare disease or a religious cult. This word defines those whose diet includes fish and seafood, but not the meat of other animals.
We became vegetarians while living in Israel at the time when our youngest daughter Tamar (who remained a vegetarian throughout her life) was born.
Some people, who discover that I have not eaten meat for many years, ask me if I can feel the difference. My answer is always “No”, since I cannot compare myself today to who I was many years ago. But in general, at the age of 67, I feel good most of the time, and do not have any cravings or desire to eat meat.
When we lived in Riga, Latvia where I was born, my father managed a government meat store. Despite the scarcity of many products in the stores, we always had meat in our household.
There are many reasons why people decide not to eat meat. Shortly after moving to San Francisco in 1980, we met a nutritionist who advised us to start adding fish to our diet in order to get the protein that we might have been lacking as vegetarians.
We know some people who after trying to be vegetarians, went back to eating meat.
According to the Bible, when humans were vegetarians when they were created. Only after the flood did God allow generations after Noah to start eating meat. Since meat was always expensive, only in our generation and in richer countries, have people consumed more meat.
Certainly consuming too much fish and seafood products can have their own health concerns, such as the health effects of mercury ingestion. But, according to the article in the National Geographic, “How to Farm a Better Fish”, the “world produces more farmed fish than beef-and that’s just the beginning”. According to the article, to produce one pound of body mass of cattle requires 6.8 pounds of feed, while fish requires only 1.1 pounds!
But what about chickens and turkeys? After all, you are reading this article after Thanksgiving night. Well, apparently, there are new ideas on how to have the festive dinner (possibly any day of the year) without overstuffing yourself. According to theSan Francisco Chronicle Sunday article, “For Thanksgiving 2014, turkey takes a backseat”, “vegetables are the new meat”.
P.S.
In our affluent society we can choose what to eat. We can choose any kind of diet and develop a taste for different foods. In my view, we do not have to kill animals, like those creatures I met and photographed in the natural environment of The Sea Ranch, just to satisfy our cravings.
Do Not Keep Me As A Secret!
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Mortgage Solutions For You!
A Client was a self-employed contractor. In 2013, he reported income significantly higher than a year before. If we would apply for a jumbo loan, the lender would have to average two years and his income would not be enough to qualify. By dividing his loan into two, we were able to eliminate this issue by applying for the lender whose program allows one year of tax returns to qualify for the agency Jumbo loan plus a line of credit.
How To Appreciate Art
“Appreciation of art is like an appreciation of beauty–it is in the eye of the beholder.”
There are many opportunities to appreciate art in the San Francisco and the Bay Area. We have great art museums, art galleries, and exhibitions. Those who have the means collect art; others buy copies or works of less known artists. Recently, we visited a new museum at Stanford University dedicated to the Anderson collection. Mr. and Mrs. Anderson started buying the works of up and coming American artists in the 1960’s. It is remarkable what an appreciation for art, education, and financial means can accomplish.
Next door in the Cantor Arts Center, there is an exhibition of a great photographer, Robert Frank’s “In America”. There is also a photo exhibition of the works of Arnold Newman, who created an amazing art gallery of portraits of famous people of the 20th century that is being exhibited at the Contemporary Jewish Museum of San Francisco. Last week, I wrote about an exhibition of Ai Weiwei’s work in Alcatraz. Additionally, Lucien LaBaudt’s Coit Tower mural “Powell Street” was recently released. Perhaps the highest point of the art scene was the opening of the collection of works by Keith Haring’s “The Political Line” at the De Young Museum in the Golden Gate Park. The exhibit will be open through February 16, 2015. It is a must-see.
Keith Haring’s images, which were created during his short-lived and very prolific artistic life (he died from AIDS in 1990), reflect the political climate of the 1980’s, which still affect our lives today. For years, his sexually explicit art-work was not welcomed in museums. Today, collectors are paying millions for his “running man” images. Through his graffiti-inspired drawings, paintings, sculptures, and murals, Keith Haring created an immediately recognizable iconography that speaks to a diverse population.
One of his sculptures, which for years was located on the corner of Mission and 3rd street in San Francisco, has recently relocated to the front of the De Young Museum. Throughout his life, the artist wanted to bring his message of the political and social unbalance in life to the people. The irony is that while The Keith Haring Foundation leases his images and sells his works to raise money for AIDS research and other good causes, only very rich collectors can afford his artistic creations.
“An artist is a spokesman for a society at any given point in history. His language is determined by his perception of the world we all live in. He is a medium between ‘what is’ and ‘what could be’.”—Keith Haring
P.S.
As a photographer, when I visit museums I am not only interested in art, but also in the people who come to see it. Enjoy.
Do Not Keep Me As A Secret!
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Mortgage Solutions For You!
A client, from Los Angeles, lived in a rent controlled apartment that was recently sold. As a result, he was offered $19,000 to move out. The client agreed and decided he wanted to buy a condo. Unfortunately with an income of $3,000/month, his qualifying ratio was too high.
The solution was to have someone (possibly his parents) act as cosigners, but not every cosigner can help improve the ration because of their own liabilities.
When Was The Last Time You Visited The Rock?
When Was The Last Time You Visited The Rock?
“You can either create a prison or a garden. Both are necessary parts of our society. I prefer the latter.”
I learned about the name, “The Rock” Alcatraz Island is often referred to, in the movie “The Rock” starring Sean Connery and Nicolas Cage. We first visited the island over 30 years ago when we first came to San Francisco. Last week, we returned, to see the exhibition of the works of the well-known Chinese artist, Ai Weiwei. If you are not interested in Chinese art, his name might not be familiar to you. He became well-known worldwide not only as a great artist, but also as a vocal critic of the Chinese government. As a result, he was detained for 81 days in 2011 and is still not allowed to travel abroad.
The idea to create an exhibition in the former prison was the brainchild of the curator Cheryl Haines. Unfortunately, Ai could not visit Alcatraz during the planning of the exhibition. One of the installations shows portraits of 175 people from around the world who have been detained because of their beliefs or affiliations. Ai calls them “heroes of our time”. All the portraits are constructed from LEGO™ bricks. With this project, the artist aims to expand our understanding of the “purpose of art, which is the fight for freedom”.
The trip to Alcatraz not only gave us an opportunity to see the creation of the legendary artist, but for a brief time to see the island. (We only had time to visit the exhibition, and we are planning to come back.)
We live in a remarkable city. San Francisco is known for many attractions and thousands of tourists visit the city and “The Rock” everyday. There are those who take a 15 minute boat ride to visit an important part of our city’s history. Today, Alcatraz Island is part of the Golden Gate National Parks. It served the army as a fortress and military prison and as the Department of Justice’s maximum security federal penitentiary. There are many interesting stories that surround “The Rock”, which housed many famous inmates—like Al Capone and Robert “The Birdman” Stroud.
Now, it is a national parkland with historic gardens, tide-pools, bird colonies, and incredible bay views. We are planning to return and spend many hours here exploring the grounds and learn more about parts of our illustrious city’s history.
I hope that you will do the same and wear some comfortable shoes. Ai Weiwei’s exhibition is here until April 26, 2015.
P.S.
The day that we visited Alcatraz, the weather was gorgeous. I had a lot of photo opportunities. Hope you enjoy some of the images.
Do Not Keep Me As A Secret!
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Mortgage Solutions For You!
A client was buying a home, which was previously foreclosed by the bank. The previous owners removed all the possible appliances–including the sinks. The house needed major remodeling, which would cost at least $100,000.In the past, the only way to buy such a property would be to pay cash or receive a private loan with an interest rate as high as 12.00%!This week’s new mortgage solutions allows borrowers, who have enough money for down payment and repairs, to buy the property at a discounted price–then fix it, sell it, or refinance it 12 months later.Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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 Date: Thursday: November 13, 2014 RSVP on Facebook OR email Ausra@Pacbay.net |
What Nightmares Are Trying To Teach Us
Do you remember your dreams when you wake up in the morning? Do you write them down? Do you interpret them? Or do you ask someone else to interpret them for you?In my dreams sometimes, I have to deal with cars. I either forget where I parked, or my car goes on the wrong road, or climbs up a steep hill. My personal interpretation of these dreams is that they have something to do with the condition of my business. Luckily, all of my dreams have happy endings.
Recently, I had a completely different dream.
I was inside a house and was afraid of something that was going on outside. I tried to get away from this feeling and moved from room to room—finally ending up in the bedroom. I lay down on the bed, when I noticed that the window coverings were opening up by themselves. Behind them, there was a 6-foot long window, which had an opening in the middle that opened up by itself. I stood up to look through the opening and saw a man and a woman outside. They told me that the window had to be removed because it was not installed properly. I begged them not to do that saying that it will be too cold, that the plywood covering the opening would cut off the light, and that I had no money to install the new window. While I pleaded with the couple who only seemed to ignore me, a third man was behind me, and lowered the window as I stood in the middle of the opening.
Suddenly, I remembered the Charlie Chaplin silent movie, “The Kid”. There, the kid played by Jackie Coogan, throws a rock into someone’s window and when the irritated owner runs out, he sees the window repairman played by Charlie Chapman. Remembering that scene, I asked the couple if they work for the window replacement company. This idea was so ridiculous that in my dream I started laughing very hard. In that moment, the people were gone and my window was back in place.
In the Torah, we read the story about how Joseph interpreted the Pharaoh’s dreams and how this changed world history. Today, there are specially trained people, most of whom are psychologists—disciples of Sigmund Freud and Carl Jung, who know how to help their patients with dream interpretation.
As far as my dream is concerned, I think I got the message—whenever there is a problem, just laugh and wake up.
In my book, “The Mortgage Game: The 5 C’s and How To Connect Them”, I share many stories, anecdotes, and possible nightmares that my clients and I had along with the possible solutions. One of the stories involves a man who had a nightmare that there was a monster under his bed. You can find solutions on how to get rid of monsters by reading the book or by giving me a call. One of my readers recently told me that after The Bible, he finds my book very inspirational. This can also be a very good Thanksgiving present.
P.S.
I like window shopping. Not because of what is displayed behind the glass, but rather the reflections in the glass, which most of us do not see at first. But with my camera, I am able to create an unexpected, dream-like, abstract image; any change of light will affect the image.
Enjoy and share it with a friend!
Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!