
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,
![]()
The article pointed out that the study of dogs who were trained to enter a magnetic resonance imaging (MRI) machine, confirms the 7% rule.
In 1971, Albert Mahrabian published a book, “Silent Message”, in which he discussed his research on non-verbal communication. According to his observation, 55 percent was assigned on the speaker’s body language, another 38 percent to the tone and music of the voice, and only 7 percent on the credibility of the words. Since then others have challenged the assigned percentages, but the fact remains: when it comes to humans, 7 percent can still build or ruin relationship. Therefore, watch what you are saying.
In the recent weeks I’ve published two stories about dogs. One of my readers sent a very interesting comment…
Regarding dogs, based on my experience, I agree owners need training. Most owners anthropomorphize their dogs. This can be a serious error. Dogs are pack animals that follow a very rigid hierarchy protocol. If you don’t understand dog protocol and follow it explicitly, you can have a lot of unwanted problems, particularly with larger dogs. For example, people usually like it when their dog seeks attention to be petted, like putting their head under your hand. If you pet the dog, a positive thing for you, the dog also sees it positively, but not the way you think. The dog sees it as submission by you. This tells the dog they’re alpha and the behavior exhibited by alpha dogs who’re encouraged to be alpha can be very problematic. The best book I’ve read on this, and it’s an interesting read, even if you don’t own a dog, is The Monks of New Skeet. They’re a religious order of monks in New York who breed and train German shepherds.

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
Cheers,
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There are a couple of traditional foods to celebrate Rosh Hashanah. We dip apple slices into honey. The Apple is the symbol of the rounds of the year and the honey represents sweetness. We also eat a round Challah, which is shaped differently in this time of year, also to commemorate the round cycle of the New Year.
I wish you Happy and Sweet new Rosh Hashanah! Shanah Tovah Umetukah!
Enjoy and Share!
P.S. For me, the New 5777 year represents fulfillment of my artistic aspiration in putting together my “42 Encounters” books. The first one “42 Encounters in San Francisco” is going to be available in the first week of the New Year. Stay tuned. Hope you like my artistic rendition of apples. You cannot dip them into honey, but I hope they will give you joy and a sweet feeling, nevertheless.
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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As an avid reader and book lover, I can relate to his feelings. I’ve been buying books to read since my teenage years back in Riga, where I was born and lived until the age of 25. After moving to San Francisco, this tradition continued. Through the years as my interests have changed, so have the books I’ve been reading. A few years ago, I “discovered” the public library, which helped me with my budget, but I continue buying, especially photography books. I just bought 9 books on Amazon, since the library did not have them. I’ve made space on the bookshelves by donating books I no longer need to the public library.
My day starts with reading the Torah, after a 15-minute meditation, and then I read a few pages or view images from the works of great photographers. Currently, I’m reading “Photography. The Definitive Visual History” by a good teacher Tom Ang (if you want to learn photography check out his books). While having breakfast, I scan the San Francisco Chronicle and the Wall Street Journal. Before going to the office, I read a few pages from another book, “The Life and Love of Trees” by Lewis Blackwell. Currently, on the weekends before I get up, I’m reading “The Seventh Sense” by Joshua Cooper Ramo. In the car, I usually listen to an audio book, which I often borrow from the public library. The latest one is “The Varieties of Religious Experience”, a collection of lectures given in 1901 and 1902 at the University of Edinburgh by the renowned American Psychologist and philosopher William James (I read quite a few books about comparative religions). I also subscribe to three photography magazines, as well as the National Geographic and the Smithsonian. While working on “42 Encounters in San Francisco”, I read every current book about San Francisco’s history. My favorite one was “Cool Grey City of Love” by Gary Kamiya. Sometimes I wonder myself how I am able to do all this reading. After all, I am in the office every day for at least nine hours. In the evening, I write (as I am right now) and on the weekends, I go out on the streets of San Francisco to fill my collection with new images, which I am glad to share with you. Read, enjoy and Share with Friends.
P.S. It was not difficult to find images for this story, since one of the photo collections on my computer is titled “readers”. Book can be a good present to give to a friend. To help you, I produced “42 Encounters in San Francisco”. (It is easy to read with a lot of pictures). You will be able to order the book at the end of September at www.42Encounters.com.
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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I started to work on it in early 2015. This time, the process took me much longer. In “Soy Cubano”, I used my sayings (which someone coined as “Mannyisms”) to comment on the images. I intended to do the same with this book as well, until a friend asked me if I would write stories instead. I knew that those stories, or reflections, needed to be short. It takes me much longer to write a short story that the longer ones that you receive every Friday (like this one). In March 2015, I participated in a Photography Workshop Seminar in Santa Fe, New Mexico, taught by the renowned National Geographic photographer Sam Abel. He liked my images, but when during his class he mentioned that “less is more”, I decided to cut the number of my images down. But how many? Sam suggested the number 42. When I returned home to San Francisco, I discovered the meaning of this number (which you will learn about in the book’s introduction).
Thus, the title of the book became “42 Encounters in San Francisco”. This also led me to change the title for my Friday stories to “My Encounters”. I did not realize at that time that the process of producing a series of books with the title “42 Encounters” had just begun. But first I had to select forty-two images and write forty-two stories. On the weekends, I would go out on the streets of San Francisco to encounter and photograph people. During the week, I only had a few hours in the evenings to work on the images, to select the right ones, to replace them with the new ones, do research for the historical notes, to read books about San Francisco’s history, and to write my own stories. All of this while continuing to write stories and finding the right images for the weekly “My Encounters”. While working on the first book, new ideas would come to me. Soon after, I realized that I had enough images for my second book, “42 Encounters with Couples in San Francisco”. Then someone suggested producing forty-two books of “42 Encounters”. I liked the idea. I already have many images for other encounters, for different themes like “42 Encounters with Dog Lovers”, for example. So I decided to continue this process for the next 21 years. During this time, I am planning to publish two books a year, thus by my 90th birthday you will have a collection of forty-two “42 Encounters” books. You can participate in the project by sticking around. Enjoy and Share.
P.S. Today’s four images are from the book. It will be available for purchase to you and your friends quite soon. I hope you will read it, share it with others. Please also write your comments at 42comments.com, or @Encounterspublishing.com. All proceeds from the sale of my books will go into forming a foundation, whose mission will be to help the young and the young at heart people see, capture and share the beauty of the world through the lens of a camera.
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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This story is the first in a series about the streets of San Francisco. After working on my book, “42 Encounters in San Francisco”, and photographing throughout different parts of our beautiful and special city, I decided to use the opportunity to share some of my discoveries with you. On the weekends, whenever possible, I take Muni to visit different streets for my encounters.
This time my destination was to Valencia Street. I left home at about 2 pm and told my wife Elfa that I was planning to be back by 4 pm. I took the #48 Muni Bus at West Portal next to the entrance to the Twin Peaks Tunnel. Its’ route is through 24th Street through Noe Valley, and I got off on the corner of Valencia. My plan was to walk up to Market Street and to take the Muni underground train back home after about two hours. When my phone rang and my wife inquired where I was, I realized that it was almost 6 pm and I did not even reach 18th Street.
From some online research, I learned that according to historian Louis K. Loewenstein, Valencia Street takes its name from either Jose Manuel Valencia or his son, Candelario Valencia. Since its establishment, Valencia Street featured an ethnically diverse population. Soon after we arrived in San Francisco in 1980, we learned that the Castro district is considered to be a center for gay men, while Valencia Street, according to an article in the Chronicle, was called “The Women’s’ District.” It gained notice as an “emerging bohemia”. At the same time, according to the same article, “it (Valencia Street) served a mix that included Mexican, Central American, South American, Native American, Caucasian, Black and other ethnic groups, as well gay of both genders.” The historical essay I was quoting from was written in 1997, almost twenty years ago. In our fast moving city, especially in the last few years, that is a long time. Valencia Street could not avoid gentrification and today it is a young dynamic, fun place to spend time and live in. According to old photographs taken at the beginning of the 20th century, Valencia Street had already established itself as an area that had a mix of residences and businesses, as it has today. This was why I was barely able to walk six blocks in four hours. I jaywalked, crossing each block to visit the businesses and stores on both sides of the street. I explored two used books stores, and two vintage record stores. One just opened the day before, across from the other one. A young woman was selling her own ceramic cups literally in the space between two stores. There were stores that sold beautiful jewelry, one that sold exquisite perfume, there were stores that sold cards, gifts and hats, antiques and teas. I discovered an art gallery, restaurants and coffee shops. One of them sells delicious Xanath Ice Cream. The last place I visited before my wife reminded me of the time, was Dandelion Chocolate. Unfortunately, I did not have time to indulge in its delicacies. But I am planning to return; this time together with Elfa. Hope you’ll follow my steps. Enjoy and Share.
P.S. Four images are only a few I brought back from my short trip. Some of them will end up in my next photo-book “42 Encounters with Couples in San Francisco”. The first one “42 Encounters in San Francisco” is being printed and is going to be ready before the end of September. It will cost $24.00. Start saving. I guarantee you will buy more than one book.
Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!
Cheers,