If you don’t challenge yourself, who will?
Author: Manny Kagan
Tip of The Day
If you have a high interest rate charged to your credit card balance, then borrow from the family and pay it down.
Mortgage Solutions For You!
A client was refinancing their home–the loan was approved and the appraisal was completed. There was a smoke detector in every room and the water heater was double strapped and secured, but there was no Carbon Monoxide Detector. If you do not know what that is, then you are not alone. The client had to go to Home Depot, get the detector, and install it. The appraiser had to come back, take a photo of the installation, and send this proof to the lender–with a charge of $150. Only after this was completed were loan documents ordered for closing. Before you sell or refinance, be sure that you are well protected.
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Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Don’t Forget to Attend Our August MeetUP Event!
(Details coming soon!)
 Date: Thursday: August 7, 2014 |
Tip of the Day
If you do not have money to pay down your credit card balance, request for the bank to increase your high balance amount.
Wisdom of the Day
Smile at a stranger, they might need your encouragement.
Wisdom of The Day
Manny’s Wisdom of the Day
A flower a day, keeps the sadness away.
How To Celebrate Life
“We have many reasons to celebrate. Let’s do it.”
I have many reasons for celebrating and find reasons to celebrate every day. As long as I am alive, I can share myself with others. Because two of my close friends who have recently died do not have this privilege anymore, I want to be sure that whatever I have left in this world is shared and celebrated with others.
We all have many gifts to share—as children, parents, relatives, friends, teachers, students, coworkers, and managers. Every day brings new challenges and opportunities, which are all boiled down to our life experiences, many of which we share with others. We laugh, cry, or even curse because of our interactions with others. And I am glad to celebrate my life for this reason.
Recently, my friends were blessed with their second grandchild, another friend’s son is getting married, and another just had their 9th child. A very close friend ended the 18th week of chemotherapy with positive results. One of our colleagues, who left our company 5 months ago, returned. At our business, we closed a number of commercial loans. Last month, I helped six clients get a new mortgage and have 6 new ones that will benefit from our services. All of those are great reasons for celebration. And, I have a special reason as well.
My third book “Mortgage Solutions for Smart People: 5 Easy Ways to Get Your Loan Approved” is finally out. It is an e-book and can be ordered through Amazon, Barnes & Noble, Scribed, or from my website. This book is a companion to the first one “The Mortgage Game: The 5 C’s and How To Connect Them”, where I define the 5 C’s, the building blocks of a mortgage as well write about the stories of my clients whom I helped with their mortgages. This book will not only help you get your mortgage the next time you need one, but it will also help you realize what changes you need to make in your life or habits to acquire, in order to be ready to get a mortgage. Getting a mortgage can be a stressful process. We will make it smoother. This requires a celebration. Let’s do it together!
P.S.
We often celebrate major events like New Years and the Independence Day with fireworks. You can see more of my firework photography on my office walls. Please come and visit. And of course—I am very proud to celebrate my three books with you. Soy Cubano, which was created as a book of gratitude, can make a great present. Recently, a friend bought two books as a present for his friends. The photographs and my thoughts shared in Soy Cubano could help you and your friends in your next celebration. To celebrate every day, I am also starting daily tweets, which you can also find on Facebook. Please send me your comments.
Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!
Cheers,
Mortgage Solutions For You!
One of the phenomenons of today’s market is that some home-buyers are paying cash for the acquisition of already highly priced real estate. This allows buyers to beat the competition and have faster closings. However after the close of escrow, some want to get their investment out. This requires cash-out loans, which many lenders cap at $250,000.
We have a solution.
Cash-out up to $2,000,000! WOW! Please inquire about LTV.
Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Don’t Forget to Attend Our August MeetUP Event!
(Details coming soon!)
 Date: Thursday: August 7, 2014 |
Why We Like To Go To The Movies
“A good movie can stimulate your appetite, but you need good food to enjoy life.”
Seventeen years ago, Ed Crane, a fellow mortgage broker, and I spearheaded the first chapter of BNI (Business Network International) in San Francisco. Today, there are71 chapters all over the Bay Area. As the name implies, BNI is a networking organization. Once a week, groups of professionals from various industries gather together for breakfast or lunch and exchange referrals, create friendships, and long lasting relationships. And of course—generate substantial (for some) steady income from the referrals. At every meeting, we go around the room, re-introducing ourselves and our occupation, for the benefit of our guests (some of whom become new members).
Our chapter has close to 30 members and we meet for lunch every Wednesday, in Downtown, San Francisco. To keep introductions more interesting and to share some of our personal trivia, we have a theme each week. Last week, we had to share what recent movie we’ve seen. Many mentioned “Chef”. When my turn came, I told the group that in our family, my wife Elfa is in charge of our entertainment. She checks relevant news, the Pink Pages, and usually on Sunday afternoons, we have our outing to the movies. For me, it is just a relaxing time to spend together with my wife.
Last Sunday, we went to see “Chef”. It is a feel good story with a happy ending and has an ensemble cast of well-known actors. I learned how hard restaurant employees really work–from the chefs to the busboys. I think that restaurants that are successful have one more ingredient besides good food. It starts with the skill of the chef. In the film, there is a scene where The Chef, played by Jon Favreau has a conversation with his 10 year old son Percy, played by Emjay Anthony, who learns how to work with his father in a food truck. When the son burns a Cuban sandwich they are preparing, his father takes him aside and asks if he likes what he is doing. His son replies, “I do”. His father replies “I love to feed people, make them feel good, and not just take their money”.
In the movie “Like Water For Chocolate”, the heroine is asked for her secret recipe. She lists the ingredients and adds, “and a little bit of love”.In my line of work, I think this is a true statement regardless what we actually do, and as far as I am concerned, I love when people feel good about themselves, after they receive a new mortgage with my help.
P.S.
In San Francisco, we have many movie theaters. Some of them not only serve you popcorn, but also have a full bar and comfortable chairs in the lobby to enjoy ice cream before or after the movie. And if you want to experience good food, there are so many restaurants here as well, where chefs create their amazing feasts with love. Some of my images are from ISA on Steiner, Out The Door on Bush, (the little sister of The Slanted Door on Embarcadero), my recent discovery–the 20th Century Café on Gough and Oak, and of course our favorite—Zuni Café on Market.
Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!
Cheers,