What Success Has in Common
with a Good Night’s Sleep

By now, many of you know about my new book, Reflections. The Healing Images™, and how it can help you achieve deep relaxation. If you missed last week’s post, I encourage you to check it out.

Since I started using Reflections as part of my nightly meditation, my sleep has improved dramatically. I usually wake up just once during the night, and I’m able to fall back asleep right away. Those consistent eight hours of rest help me function at my best the next day—focused, calm, and productive.

Here’s the simple routine I follow every evening:

My Steps for Relaxation and Success

1. After lying down in bed, I check the time and open Reflections to a new page.
2. I read the short text and take a good look at the image on the page.
3. Closing my eyes, I hold that image in my mind.
4. I begin my breathing exercise:
   • Inhale through the nose for a count of five.
   • Hold for three.
   • Exhale slowly through closed lips for a count of seven.
5. As I breathe, I repeat my personal mantra affirmations. I focus on positive intentions, such as:
   • “My intention now is to have excellent health. Thank you.”
   • “My intention now is to have a good night’s sleep. Thank you.”
   • And always—adding a small smile to my lips.
6. I continue by repeating: “I am success, I am wealth.”—six times. (Notice: I say success, not successful.)
7. While repeating this, I count silently from one to ten, using my fingers to keep track. By the time I reach ten, I find myself in a calm meditative state.
8. I stay in this peaceful space for a few moments, then count back from one to ten to gently return.

For me, this entire process takes just five to seven minutes. I do this while lying in bed, though you can certainly practice it while sitting in a chair. Almost every night, as soon as I close my eyes again, I drift off into restful sleep.

The Connection Between Sleep and Success

Success means different things to different people. But one thing is universal: success comes to those who develop habits that keep them focused on what truly matters. Prioritizing your health, relaxation, and mindset are powerful habits that lead to lasting results.

If you’re looking to improve your well-being, I invite you to try Reflections. The Healing Images™. Start your own nightly practice, experience the difference, and when you notice the results, please share your experience by leaving a review.

And as a little insight—before becoming The Healing Images™, the three images featured in this story were simply roses.

Because when we share, we care.

Heard of 100% Financing Loans?

Here’s a simple breakdown of how they work:

These programs often combine a first mortgage with a small second loan, and one great option is the FHA loan:

✅ First mortgage: 96.5% LTV

✅ Second loan: 3.5% to cover the down payment

✅ Easy to qualify

✅ No income restrictions

✅ No 1st-time homebuyer restrictions

✅ Credit (FICO) scores starting at 600

✅ One underwriting process for both loans

✅ No investor approval needed

✅ Debt-to-income ratio up to 50%

If you’ve got steady income, this could be your path to homeownership — with no down payment needed!

Click here to see my short video titled: “Talking Business with a Smile”

Call or email me if you want to learn if you qualify!

(415) 225-7920; mannykagan@comcast.net

Manny Kagan,
President,
Pacific Bay Financial Corporation
Your professional mortgage broker since 1983

NMLS #205637
DRE #00874630

HOW TO FEEL YOUNGER?

Notice that I didn’t write how to look younger. That’s because there are countless topical treatments and even surgical procedures that can alter our appearance. But looking younger doesn’t necessarily mean feeling younger. According to my birthdate, I am 78 years young. Yet, when I “fish for compliments” (as my wife affectionately puts it), most people guess my age to be somewhere between 65 and 68. One reason for that, I believe, is my energy level—I act and live as if I were much younger. So how do I do it?

One of my favorite things to do while driving or walking is listening to podcasts. Recently, I tuned into a conversation between Mel Robbins and Dr. Eric Topol, author of the bestselling book Super Agers. Dr. Topol identifies three essential pillars for preventing many health issues and ensuring a joyful retirement: Exercise, Nutrition, and Deep Sleep—ideally around eight hours per night.

I try to incorporate each of these pillars into my daily routine. My mornings usually begin with about 45 minutes of stretching exercises. Then there’s a walk with Max, our cheerful labradoodle. As for diet, I’ve shared my daily menu with many of you in the past.

Sleep, however, used to be a challenge. Until recently, I would wake up two or three times each night to use the restroom, and it often took a while to fall back asleep. But two weeks ago, everything changed.

After publishing my new book, Reflections. The Healing Images™, I decided to use it for its intended purpose: to ease into a relaxed state before bedtime. The process is simple. About ten minutes before going to sleep, I enter a meditative state—a technique I described in last week’s post. By 10:15 PM, I’m in bed, and the moment I close my eyes, I fall asleep. I typically wake up just once during the night, and quickly drift back to sleep. By six in the morning, Max is ready to start our day.

These three pillars—exercise, nourishment, and quality sleep—are what help me feel younger than my years. If you haven’t already adopted similar habits, consider starting with the easiest and perhaps most transformative: a good night’s sleep. Restful sleep not only restores your body and mind, but also reduces stress and supports overall health.

If you’re curious about how Reflections might support your own journey toward well-being, I invite you to order a copy. Develop a simple nighttime habit, and let the healing begin. And if it helps, don’t keep it to yourself—share your experience with others.

The three images inside this story are from the book.

Wishing you a joyful and rejuvenating Fourth of July!

Care and share!

 

HOW TO FINANCE
AN APARTMENT BUILDING (5+ UNITS)

Up until now, I’ve been sharing insights on financing 1–4-unit properties and condos. But when it comes to apartment buildings (5 units or more), the rules change—these loans fall under the domain of commercial banks.

Unlike residential loans, commercial loans are based on the rental income a building produces. Every bank uses its own formulas and has unique borrower/property requirements.

One lender we work closely with is East West Bank. Thanks to our special partnership, if they can’t fund a deal, they refer it to us—and we get it closed with another bank.

At a recent in-office presentation, Bonnie Huynh and Otto Tank introduced a unique program:

✔️ Fixed interest rate for 18 months

✔️ If market rates drop, the bank will adjust and lower your rate

✔️ Other important details include prepayment penalties and the 10% deposit rule (e.g., $1M loan = $100K deposit requirement)

Good news: We also work with lenders who don’t require that deposit.

️ For more insights, watch a 4-minute piece of the Easte West Bank presentation recorded recently at our Daly City office.

Have questions? Call me anytime: (415) 225-7920

Let’s find the right loan for your building! I promise to help!

Manny Kagan,
President,
Pacific Bay Financial Corporation
Your professional mortgage broker since 1983

NMLS #205637
DRE #00874630

 

WHERE DOES WISDOM COME FROM?

Some people say I’m a wise person. But what does that really mean—and where does wisdom come from?

A quick online search defines wisdom as “the ability to make sound judgments based on knowledge, experience, and understanding.” Socrates believed that wisdom begins with recognizing one’s own ignorance.

Jesus taught that wisdom is revealed through actions and deeds, not merely knowledge. In a spiritual sense, wisdom is often viewed as a divine gift—a deeper insight into life, purpose, and the sacred. That definition deeply resonates with how I experience the world and my connection to people around me. Perhaps this inner alignment is what inspired me to create my latest book, Reflections. The Healing Images™. It weaves together three essential elements: Wisdom, Beauty, and Relaxation.

For me, wisdom originates from the source—God’s message as recorded in the Torah (the Old Testament or the Hebrew Bible). The Torah is divided into fifty-four weekly portions, and each portion is further split into seven daily readings. For the past forty years, I’ve read from the Torah daily. Years ago, I even taught Torah in a Jewish high school. While I don’t claim to be an expert, I feel deeply connected to this source of timeless wisdom.

In Reflections, I’ve taken the liberty of writing a single-sentence reflection inspired by each weekly Torah portion. The second part of the book is devoted to beauty—expressed through the natural elegance of roses. The third part is about relaxation: learning to disconnect from the constant noise of our modern lives and make space for healing.

My intention in creating this book is to bring these three elements—wisdom, beauty, and relaxation—together in one place for your benefit, and for those you love and care about.

You can order the book on Amazon and begin writing your own reflections. The three images “woven” into this story are from the book I wrote.

Care and share!

NIGHTLY INTENTIONS AND
HEALING REFLECTIONS

Every night before bed, I start my meditation by stating an intention. When I began this practice two weeks ago, my focus was simple: reduce the redness under my lip. My first affirmation was: “Why do I have this redness? Thank you, it can go.”

Then I remembered an important lesson—affirmations should be framed in positive terms, focused on the desired result. So, I shifted my intention to: “My face is clean. Thank you.”

And yes… it’s working. The redness is fading, and I know it will be gone soon. That small success encouraged me to add a new affirmation: “One million people experience less stress with the help of my book Reflections. The Healing Images™.” Because I truly created this book for you—I’m simply one of its many beneficiaries.

Whatever your intention may be, one of the greatest gifts of this practice is better sleep. And we all know how healing a restful night can be. You can watch the video where I share more about the process.

Sweet dreams and self-care, always!

Care and Share!

 

STOP AND SMELL THE ROSES…

I recently learned that this phrase means: “Take time to slow down and appreciate the beauty of life.”

Every time I go on walks with our labradoodle Max, he knows I’ll stop now and then to admire and photograph flowers. Last Sunday was no different. On our way to the local park in Saint Francis Wood, I paused to take a photo of a white rose bush.

Just then, two young women power-walked past us. I called out and asked if they’d noticed the stunning roses they had just passed. Sweaty but curious, they paused. I showed them the delicate inner part of the flower and explained how its petals fall away to reveal seeds, ready to create new life. They smiled, thanked me, and continued up the hill.

Later that day, Max led us to the Rose Garden in Golden Gate Park. The colors, the scent, the variety—it was magical. Like a bee, I drifted from bloom to bloom. The fragrance of roses isn’t just lovely—it’s made up of more than 300 natural compounds that draw in pollinators. And we, humans, benefit from that beauty… but only if we take the time to notice.

And if, for any reason, you can’t get out to smell real roses, you’ll find peace and beauty in my new book “Reflections. The Healing Images™.”

It features 56 stunning roses—each one unique, all of them soothing. The book is designed to help you relax, reflect, and reconnect.

Available now on Amazon.

Above here are three of my photos capturing people who found time to truly stop and smell the roses.

Care and share!

CLOSE YOUR EYES, COUNT TO TEN…
AND SEE WHAT HAPPENS

Over the past few weeks, I’ve shared quite a bit of good news about mortgages—hoping the information might be helpful to you, your clients, or friends.

But there’s more good news to share! As you may know, my new book “Reflections. The Healing Images™” is finally out—and it’s already receiving some fascinating reviews.

When I received my own copy, I decided to dive in and use it myself. I’ve even recorded a short video describing my personal experience with it — feel free to check it out by clicking this link.

If you’re interested, you can order the book here. And then let me know what you think!

Care and share,

Ask, Seek, Knock — And Know What to Ask

In the Bible, one of the most well-known teachings of Jesus is: “Ask, and it will be given to you; seek, and you will find; knock, and the door will be opened to you” (Matthew 7:7).

This powerful message speaks to the importance of intention and initiative in shaping our lives. Yet, a well-known joke provides a humorous twist on this teaching: a man prays fervently to God to win the lottery. After many desperate pleas, a voice finally calls down from Heaven, “Buy a lottery ticket.” The point is clear—desire alone is not enough. Action must follow.

Interestingly, despite dreams of wealth, many lottery winners eventually find themselves in bankruptcy. This raises a pressing question: what goes wrong? The answer may be simpler than we think. Many people simply do not know how to manage money, nor do they know the right questions to ask. It’s human nature to complain, to ask for more, to turn to a higher power for solutions—but without clarity, even the most generous answers can be lost.

After publishing my book Reflections: The Healing Images™, I received feedback from a reader who experienced its intended effect—a calming, meditative state:

“Reflections” is more than just a book—it’s a sanctuary within pages. As a devoted reader and a clinical psychologist, I found an almost meditative escape in its words. No matter where I opened the book, closed my eyes, and counted to ten, the prose never failed to wrap me in a deep sense of relaxation and tranquility.

It’s as if the author understood the very essence of peace and distilled it into every passage. This is a book I will wholeheartedly recommend to others—not just for its wisdom, but for the calm it brings to the soul.”

The book was designed as a visual tool to help people quickly access deeper mental clarity and reduce anxiety, stress, or even physical discomfort like headaches. But there’s another layer to this process. What if, before entering meditation, you asked the universe the right question? Something as simple as “Why do I worry?” can open the door to surprising insight. When you ask the right question, you may discover that the worry dissipates—perhaps because it was never necessary in the first place.

“Ask, and it will be given to you.” But first—you have to buy the book.

Pictured here are three beautiful roses featured in “Reflections“. Someone once asked how I created the 3D effect in these images. The secret lies in the interplay of light and shadow—a gentle reminder that depth and beauty often emerge from contrast.

Care and share!

ALTERNATIVE MORTGAGE OPTION:
ASSETS QUALIFIER

I find it remarkable how lenders continually discover new ways to offer mortgage solutions.

Click the link to watch an informative presentation by Wendy Flynn on the “Assets Qualifier” program, developed by Newrez Mortgage.

Notably, mortgage loans under this program can close in as little as two weeks — impressive!

Thinking about getting an asset-based loan? Let’s talk.

Cell: (415) 225-7920, or email: mannykagan@comcast.net

I promise to help!

Manny Kagan,
President,
Pacific Bay Financial Corporation
Your professional mortgage broker since 1983

NMLS #205637
DRE #00874630