
Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Author of "The Mortgage Game"

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
Cheers,
![]()
“Be sure to wear a flower in your hair”, was the opening of the SF Chronicle Datebook article titled, “Summer of Love Far Out in S.F.”. The article shared that starting on Sunday, March 12th, there will be a celebration of the events, which took place in San Francisco in the summer of 1967. That “Summer of Love”, as many as 100,000 people, mostly young people dressed in hippie fashions gathered in the Haight-Ashbury neighborhood.
These young people, who were sometimes called flower children, were suspicious of the government, rejected consumerist values, and opposed the Vietnam War. It was also a time when a large number of hippies traveled to California to hear their favorite bands such as The Who, The Grateful Dead, the Animals, Jefferson Airplane and others. Musician John Phillips of the band The Mamas & The Papas wrote the song, “San Francisco (Be Sure to Wear Flowers in Your Hair).”
We were not yet in San Francisco at that time. In 1967 we lived in Riga, Latvia. I was twenty, and my summer of love was with my soon-to-be wife, Elfa. We got married in August, 1967. Nevertheless, since it was our generation, the waves of the “dissidents”, according to the Soviet authorities, the hippie movement reached our shores as well; especially through contraband music records. Reading the article in the paper raised my hopes that, though I missed it fifty years ago, I will have a chance to participate in the celebration of the begotten era. What surprised me is that the event was planned to take place on Valencia Street. From my previous story on September 9th, 2016, you might remember that Valencia Street had very interesting history, but it has quite a distance from the center of the hippie movement in the Haight-Asbury.
The celebration of Summer of Love was hosted by the non-profit, It’s Your District and Sunday Street SF and was the first event in the series of celebrations through October 1st in other neighborhoods.
When I got there, I found that ten blocks of Valencia Street were closed from 16th to 26th Street. San Francisco knows how to celebrate, but this was not what I had expected. A lot of young people just strolled along the street gravitating to the shady side, since it was beautiful warm 70°F afternoon. Here and there, bands played rhythmic music, and some people danced. There were a multitude of children, dogs and a well-behaved crowd. A few policemen just strolled along, or were giving children police star stickers. Vendors who tried to sell hot dogs were not very busy, since all the local cafés and restaurants were filled. The owner of the local ice cream store Xanath Ice Cream was giving away free cones with the frozen yogurt to children and seniors (I got one). I only saw a few people of my generation (I photographed one, probably a former hippie, riding naked on a bicycle). It seems that for the new generation, the events that happened fifty years ago, are not relevant any more. The clothing style and taste of music has changed, and the generation of the former hippies probably got wise enough to know that “you cannot step into the same river twice”, which was coined by Greek philosopher Heraclitus, who was born in 544 B.C.
Enjoy and Share.

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
Cheers,
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There is a saying that I often use, “It is what it is, and that is all that it is. The rest is your story.” It came to my mind after I read an article in The Jerusalem Report titled, “A Whole New Jew”, written by Tibor Krausz, a writer from Budapest, Hungary. It is a story about Csanád Szegedi, who was a far-right politician, who trivialized the Holocaust and blamed the Jews for the wrongs of the world before finding out that he was one himself.
Szegedi, who is 34, is a former Member of the European Parliament for Hungary’s far-right Jobbik Party, where he became a member at age 26.
Szegedi was an anti-Semite, until he discovered he was a Jew by descent, in 2012. Now, he studies with a Rabbi about Jews and Judaism every Friday.
The transformation occurred after one of his opponents discovered his grandmother’s birth certificate. She was born a Jew and was deported to the Auschwitz concentration camp in 1944. She survived, but decided to keep quiet about her ancestry. She always wore shirts with long sleeves to hide her Auschwitz tattoo. His mother knew about it, but decided not to tell her children.
When his old “friends” discovered his new identity, they considered him a traitor and he lost his political career. To follow his new discovery, his non-Jewish wife is now converting into Judaism and they are planning to immigrate to Israel with their two children.
Perhaps it is a fantastic story. But I have my personal experience with a non-Jewish friend. When she had some personal problems, she expressed her frustration by claiming that the world is ruled by Jews, who control Hollywood and Wall Street. In those moments, she sounded like a typical anti-Semite. Some time ago, she invited Elfa and I over for dinner to meet her new boy friend, who, according to her, is “like all Jewish men; a caring and good person.” I learned recently that they got married.
Perhaps those are very interesting, but isolated events. But for me, these stories indicate the traits we all have. Our beliefs and actions are based on the information of our past, whether we received it from others, or learned it in past experiences. This often defines who we think we are in our own eyes and in the eyes of others. Often this relates to our religious and political beliefs. A change of information can sway us and our story can change, and so can we.
P.S. When I was thinking about which images to use for this essay, I remembered another story. After the Berlin Wall came down on November 9th 1989, the German authorities considered what to do with the viscous German Shepherd and Doberman Pinscher dogs who were trained to attack people who tried to scale the Wall. They could be easily eliminated. Instead, they were retrained to be companion dogs for older people and children. Can people be trained and/or changed as well? I have no idea, but I have four images of children with dogs to share with you.
Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!
Cheers,

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
Cheers,
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We recently vacationed in Kauai for a week, using our time-share exchange. We stayed at a resort on the North Shore, in Princeville. Kauai is geologically the oldest of the eight islands of the state of Hawaii, which became part of the United States on August 21, 1959. It’s nicknamed “the Garden Isle”, thanks to the tropical rainforest that covers much of its surface. The dramatic cliffs have served as a backdrop for many big Hollywood films. Many rich and famous people, like Julia Roberts, own properties in this paradise. But the biggest part belongs to the Facebook’s CEO, Mark Zuckerberg and his wife, who bought 700 acres of the island, for more than $100 million. In spite of the high cost of living, the local population of 65,689 people manage to accommodate about 80,000 tourists coming to this island every month.
Out of the seven days of our vacation, we spent two of them traveling. In the remaining five days, we hopped from one beach to another, while waiting for the rain to stop. Our daughter Alona joined us to celebrate her birthday. One day on the beach, we met a couple who came here from Germany, with their two children. They had a twelve-week vacation, which they spread over the different islands. With a big regret, the man told me that they only had ten days left. For most Americans, it is a great luxury to have four-weeks of vacation a year. Where would you go and how much money would it cost if you had twelve weeks off from work? I have heard an expression, “Americans live to work while Europeans work to live.” Though our stay here was relatively short, we had an opportunity to relax, to read, to write, to walk along the sandy beaches and to photograph. But what was most important – we spent time together.
Enjoy and Share.
P.S. There is so much to photograph here – nature, sunsets, birds, flowers. This anyone can capture. Instead I decided to share with you four images of tattoos. Many Hawaiian men have tattoos; often one color covering their big shoulders and arms. Women seem to get more creative with their tattoos, as you can see from these four images.
Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!
Cheers,

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
Cheers,
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Nowadays anyone who owns a smartphone can take photos and many do. Thanks to social media, people are exposed to millions of images. The word photography means to draw with the light. But one also needs to know the rules of compositions and myriads of other small things that could differentiate a good image from a not so good image. I’ve encountered two types of good photographers – those who learned photography in professional schools and those who just had natural inclination (some call it talent) and practiced, practiced, practiced and learned from other great photographers (I belong to that category). Some years ago, I met a well-known Russian filmmaker who gave me good advice – if you want to become better at taking photos, study the works of the Old Masters (including any visual artist, not just photographers). I took his advice to heart and built an extensive library of photography and art books, which I review daily (one at a time). And I also visit art shows and art galleries. As my friend told me, “after a while, what you see with your eyes will become part of your being.”
For me, the art of photography is not actually taking photos. Old school photographers taught to frame the image in the view finder before taking the photo. That means to include only what you want to be in the image. With modern technology, cropping a photo is quite easy. Nevertheless, it is your vision of the final image that counts.
San Francisco has many places to experience the works of great photographers. Some galleries are located in one building downtown, at 49 Geary Blvd. There are also new photo galleries in South of Market on Minnesota Street. And then we also have permanent photo venue at Pier 24 and an incredible photo collection and shows at the San Francisco Museum of Modern Art (MOMA). And the cherry on the cake; we were recently privileged to have “PHOTOFAIRS San Francisco” at Fort Mason Center.
When I entered the huge warehouse space, I was immediately awed by the great photography adoring its walls. And then I met a friend who introduced me to his companion as a “great photographer” and asked me if my photos were represented there. After I arrived at the end of the exhibit, I said to myself, “Perhaps next year I will have my images on these walls, as well.” Meanwhile, you can buy “42 Encounters in San Francisco” at Amazon.com. Enjoy and Share on Social Media.
P.S. Visiting museums and shows give me an opportunity to capture those who also come here to experience the beauty. I was fortunate to capture some of them.
Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!
Cheers,

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
Cheers,
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On Sunday afternoon, I received a phone call. Seeing the caller ID was from a friend in New York, I suspected that the call was the news about our dear friend, Marcelo Chinsky. A few weeks ago, I wrote about our trip to New York in November to visit our good friend, who in August turned one hundred years old. Upon our return I spoke with him on the phone a number of times, but our conversations did not go further than, “How Are You?” and what the doctor said. The last few years he lived in a retirement community and he passed while talking to a young social worker. What a way to go. And he lived a remarkable life. While visiting him in November, I recorded a short video. He was born in Lithuania, in Eastern Europe in 1916, before the end of the First World War. During the Second World War, he was living in Paris and trying to escape without having any legal documents. Once while walking on the street behind two men, he overheard their conversation that if you go to Argentinean Embassy and ask for Victor, he can get you documents. With this knowledge he ran to the Embassy and two months later disembarked in Buenos Aires, where his son still lives.
After the war, he lived and worked in the United States, Israel, Germany and finally back in the United States. Marcelo was married to my wife’s close family friend, and we met the first time in Israel, over forty years ago. Through the years we became very close. When she was still alive, we would visit them both in their home in New Jersey, and would go to the local synagogue on Saturdays, where Marcelo introduced me as his son. My father who was born in Latvia in 1911, died in Israel in 1995. Now when I reached my own 70th birthday last month, every year (every day) counts. I am sad about Marcelo’s passing, but I know that he was supportive of my achievements and me. Now it is my task to keep going and to keep helping others. While my other projects move along, I started to write a new book, “Retirement Solutions for Smart People. 5 Easy Ways to Enjoy Golden Age.” Stay tuned. Enjoy and Share.
P.S. In 2011 we celebrated Marcelo’s 95th birthday. I was photographing him there and again five years later when he was one hundred. When we visited him this past November, I gave him a copy of “42 Encounters in San Francisco”. He could not read the text, but enjoyed the images. I hope you will too.