Mortgage Solutions For You!

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VISAS


Before seeing this list, Pacific Bay Financial had no idea that there were so many restrictions to live and to work in the United States. Fortunately for foreigners who would like to have the “American Dream”, there is a way! As long as the borrower has a gainful salaried employment, money for a down payment, and a limited credit history, the sky is the limit!

 


 

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Cheers,

Manny<br /><br />
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Do You Know How To Read?

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Do You Know How To Read?

“The more you read, the more you know. The more you know, the more you understand that you know very little.”

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Of course you know how to read, otherwise you would not be reading this “Good News From Dr. Manny”. We are all very busy and many of those who have received my emails, do not open them or just look at the pictures, even though they know how to read.

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But there are people who do not know how to read, for various reasons. As a matter of fact, according to a study conducted by the U.S. Department of Education and the National Institute of Literacy in April 2014, 32 million adults in the U.S. can’t read. That’s about 14 percent of the population. 21 percent of adults in the U.S. read below a 5th grade level and 19 percent of high school graduates cannot read at all. This statistic is mind boggling.

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I found out about this by coincidence. While helping a client with a complicated mortgage solution, we became instant friends. Her father, who is a farmer in Washington State, came for a visit and brought some of the products of his labor. One day, my client surprised me by giving a huge jar of the most delicious apple cider that I’ve ever tasted in my life, as well as some other tasty goodies. To express my gratitude, I asked her if I could send him a book, “The Second Nature: A Gardener’s Education”, written by Michael Pollan. A few weeks later, she called me with excitement in her voice. Her dad received the book—it was the first one he had ever received in the mail. She also told me that he was illiterate for many years, and finally learned to read a few years ago, and liked Michael Pollan’s book very much.

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Reading is a habit—an intellectual curiosity. It is like developing a muscle—the more you read, the more you want to. The same goes with writing. One of my readers pointed out that my stories have become more interesting.  In today’s technologically advanced world, many readers limit their reading experience to their electronic devices. Because of that, after writing my first paper book, “The Mortgage Game: The 5 C’s and How To Connect Them”, which is also available on Kindle, I decided to make my second book, “Mortgage Solutions: 5 Easy Way to Get Your Loan Approved” an e-book.

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P.S.

As a reader and photographer, I notice people who read. People read everywhere—and not only books as you can see with today’s collection. Enjoy and share it with a friend.

  

Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!

 

  Cheers,

Manny
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Mortgage Solutions For You!

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flip


Click to enlarge


A client wanted to buy a property to fix it and then resell it for a significant profit. Since the property needed a lot of work, conventional lenders could not finance it. Usually private money lenders limit the Loan to Value (LTV) to 65% and charge rates as high as 12.0%!

Our lender can lend up to 75% for loans exceeding $750,000!


Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Cheers,

Manny
                                                      Signature

This Is Music For My Eyes

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This Is Music For My Eyes

“We are born with eyes and ears. During our lives, we have to learn how to use them.”
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The title of this piece is not a typo. I always try to get the window seat on a plane, so that I can photograph the scenery below. (As you can see in last week’s story.)  An evening flight gives me a special opportunity to photograph light. After our recent trip to a conference in Las Vegas, I uploaded the images I took, did some processing, and showed the results to my wife. Her immediate reaction was “It looks like music”. Since Elfa knows music very well, she is also an artist, and we often go to concerts, her statement did not surprise me.

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According to Wikipedia, “music is an art form whose medium is sound”. Sound is vibration, which we perceive through our ears. Light, which we perceive with our eyes, is also vibration. At the same time, we can visualize things with closed eyes and hear sounds with the inner ear in our minds.

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The famous composer Ludwig Von Beethoven composed music even after he became deaf. It is said, that good musicians make music, instead of playing it. The same is said about good photographers, who manifest an image versus just taking a picture. All this leads to the realization that sound is based on our seismic communication, which actually is not one of our traditional five senses, but is often used to express our feelings.

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So one question may be, how do we convey what is in our imagination, a unique perception, as we see it or hear it? How can we make it possible for others also to recognize our experience? I think this requires special training and perception. Years ago, when I made a negative comment about some art that I did not care about, my daughter Alona, who is an art dealer, suggested, before I make any comments about art, to learn about it first. This statement can be true about anything in life.

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It does not surprise me that many good photographers love music. The famous photographer Ansel Adams, was a serious musician. The same can be said about Gordon Parks, who was not only an incredible photographer (and one of my favorite ones), but he also played piano and composed music. One of Gordon Parks’ books is called, “A Poet on His Camera”. When I was asked as a little boy who I wanted to be when I grew up, my answer was a pilot and a poet. As a mortgage broker and photographer, I think I accomplished both desires.

P.S.

I cropped these images into panoramas, after I photographed them retaining the most effective parts. You can see my panoramas every Wednesday in Pacific Bay Financial’s “Mortgage Solutions For You”. Enjoy and share it with a friend!

  

 

Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!

 

  Cheers,
Manny<br /><br />
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Joke of The Day

A loan officer died and went up to St Peter at the Pearly Gates to present himself for admittance to heaven.  St. Peter said “you did a lot of good work helping people get into homes and you donated a lot to charity and worked on that Habitat House.  But, you told too many fibs to underwriters and you were unkind to your processor.  We aren’t sure where you quite fit up here.”

“So, we’ve decided to show you both Heaven and Hell and see where you might feel more comfortable.”  As the toured Heaven, there were big mansions, the street was paved in gold, but the harp music got on his nerves.  Then St. Peter showed him Hell.  He noticed that there were golf and tennis courts, people hanging out by the pool with drinks in their hands, dancing, playing cards.  He told St. Peter that this was going to be a difficult choice and he would think about it and let him know in the morning.

The next morning the loan officer approached St Peter and told him that he was going to choose Hell.  So, St. Peter opened the gates to hell.  It was a whole different picture.  Fire, brimstone, people burning, being tortured and screaming.  It was hot and horrible.

“Hey” said the loan officer, “that’s not what you showed me yesterday!”

St.Peter replied, “You should have locked yesterday.”

Does Heaven Have A Map?

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Does Heaven Have A Map?

“Heaven is much closer than we think. Just look into your heart.”

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Does Heaven exist? And who cares? It seems that Dr. Eben Alexander does care and might try to give us an answer. He was an academic neurosurgeon for 25 years, when in 2008 he was driven into a coma by a rare and mysterious bacterial meningitis.  After having a near death experience (NDE), he came back from the coma on the seventh day. It took him awhile to miraculously restore his health back to a normal state. After following his older son’s advice, he wrote what he remembered happened to him. The result was his first book, “Proof of Heaven”. His latest one on the same subject is “The Map of Heaven: How Science, Religion, and Ordinary People Are Proving the Afterlife”, which he wrote together with Ptolemy Tompkins.

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In the Torah’s text, the first line states “In the beginning God created the heavens and the earth…” (Genesis 1:1). Thus, when our world was created there were not one, but a multitude of heavens. According to the accounts of Dr. Alexander and others, who experienced NDE, it seemed that what we call our soul, left the body and traveled through different heavens towards the light. There, it met the souls of their departed relatives, and guardian angels, who are also mentioned in the Torah, “And God said, ‘Let us make Man in Our image, after Our likeness’” (Genesis 1:26). But none of the people who reported their experience of NDE met the reputable 72 virgins in the heavens, which according to some sources is the reward expected by the Islamic martyrs.

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But how about communicating with our departed ones? Is it possible? Author Mitch Albom, whose first book, “Tuesdays With Morrie: An Old Man, A Young Man, and Life’s Greatest Lessons” became a best seller, has his own take on this subject in his latest book, “The First Phone Call From Heaven”. His theory is one’s quest of the afterlife accompanies humans from our birth. Some religions promise the paradise as a salvation for those who suffer in their life on earth, or to sinners after their repentance. But what happens after we die? According to Dr. Eben Alexander and others, what we call the heavens or paradise is filled with love. Do we need to wait until we die to experience it? I do not think so. Love is everywhere. The Bible tells us “love your enemies” (Matthew 5:43-45).

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Like there are many heavens, there are different manifestations of love. But there is one source in our bodies where Love resides—our hearts.

In the past, when I would get upset about something, my wife Elfa would ask me, “Does your feeling come from your brain or from your heart?” In that moment, I connected with my heart, and the only thing I could feel is Love and all of my other feelings were gone.

P.S.

When we talk or think about heaven, we look up into the sky. It looks differently from below as it looks from the plane or seen by astronauts from space above the Earth. I like to take images of the heavens during my flights. Please enjoy with love. 

Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!

  Cheers,

Manny
                                                              Signature

Mortgage Solutions For You!

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rate


To evaluate two options, we need to subtract the monthly payments and the rebate (amount paid by the lender towards the closing costs). 

In our example:

 Rebate difference   = $4,566

 Monthly payment    =      $45

 Tax adjustment       =      $34


$4,566 / $34 =  $134.29

$134.29 / 12 months = 11.19 years to break even

 

It will take over 11 years to have the benefit of a lower rate. At the same time, if the extra $4,000 is used to pay off a credit card at 22% or even take a vacation, the benefit of the higher rate with the bigger rebate will be even more significant. For different folks—different strokes.


Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Cheers,

Manny
                                                      Signature

In Dog We Trust!

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In Dog We Trust

“Man is happy to have friends–so are dogs.”
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I heard a story on the local public radio station KQED, that a company in Florida apparently ordered a special carpet. When it arrived, the workers unrolled it and immediately rolled it back. Instead of “In God We Trust”, the embroidery said “In Dog We Trust”.

We recently watched a documentary on public television called, “Dogs Decoded”. It was about how dogs evolved from wolves with surprising implications for the evolution of human culture.

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Many people like dogs (or cats), though not everyone is willing to have them. In the past 35 years living in San Francisco, we’ve had two dogs. The first one Amber—an Irish Setter, was a lady with a temper. She would run away jumping over the neighbor’s fence and I had to chase her all over the neighborhood. After she was hit and killed by a car in front of our house, we decided that our next dog would have short legs.

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Angus, a Welsh Corgi, was a perfect choice. He was from a champion lineage and our adopting him was under the condition that we show him at dog competitions. But as he grew, he became a giant Corgi (perhaps we fed him too generously). So, his showmanship career was over. We had Angus for 13 years. He loved to go with us to The Sea Ranch and did not want to go back to San Francisco. When we would start packing, he would stick his face into the corner, hiding it from us, as he tried to make himself “invisible”, since he did not want to go back. He was a good walking companion until the last year of his life, when he preferred to just lay down. One day, he let me know that it was enough for him. With tears in my eyes, I drove him to the vet where we said good-bye.

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Since then, we have discussed which dog we are going to have for our next best friend. Since both of us work and travel, we feel it is not fair to keep a dog alone at home. And since retirement is not so close, we decided to postpone sharing our love with a best friend for some time in the future.

P.S.

I am creating a number of photo books. The first one will be ready by Spring, and is called “88 Encounters in San Francisco in Color”. The next one, “Encounters with Dog Lovers” will contain images in this story and many more.

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P.P.S.

We attended a friend’s 50th birthday party. Since his dog could not be present, his wife made him a special surprise—a dog shaped marzipan cake. In this case, you could have a dog and eat it too. Happy Birthday Jeff!


Happy Chinese New Year!

 chinese

Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!


 

  Cheers,
Manny<br />
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