The Life Lesson I Learned From A Bug

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The Life Lesson I Learned From A Bug

“Stay alive by enjoying life.”

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On a recent Sunday morning, I was off on my regular journeys to the top of Mount Davidson, but instead of going straight up the steep street, I decided to take a detour. When our dog Angus was alive, we often went up through a forest, which is one way to enter Mount Davidson’s 40-acre park just down the street from our home. Angus loved our excursions—just like other dogs and their owners whom we encountered.

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Like the previous Easter Sunday, I was expecting to find a lot of people at the top. After all, it was an orthodox church Easter and the Armenian community, which belongs to this religious group, actually owns the land surrounding the cross. When the public land (Mount Davidson) was sold to a private organization, the cross was saved. However, apparently the celebration of Easter at sunrise happens only once a year.

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The plaque at the bottom of the cross commemorates the site of the Armenian Genocide or Holocaust perpetuated by the Ottoman Turks, which started on April 24th, 1915, with an estimated 1.5 million Armenians killed. Pope Francis described the mass killings of Armenians by Turkey as “the first Genocide of the 20th century

It was not the first mass killing in history, and not the last one. An estimated 6 million Jews were killed by Germans, Latvians, and Polish during World War II. It was commemorated yesterday, April 16th, as Yom Hashoah—Remembrance Day. Recently, there were genocides in Rwanda, Tanzania, and the former Yugoslavia. Photo images of the survivors were recorded by the great photographer Sebastião Salgado. There is a must-see documentary showing his life and work called “The Salt of the Earth”. His other monumental project, called “Genesis: Photographs by Sebastião Salgado”, is his collection of photographs of nature. This project restored his belief that despite human atrocities, life goes on.

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While on the mountain, I was thinking how could those who survived those atrocities, go on and keep living? How is it possible to find strength, knowledge, and the ability to survive? I think it is part of our composition, our DNA—so to speak, and I found proof of it at the top of the Mountain. There is a bench underneath a dead tree facing a view of Downtown. I was sitting down and noticed a little bug that had fallen down from the rock he had climbed and was lying on his back. At the beginning, he wiggled his tiny legs—nothing happened. He tried again and then stopped. I thought he was dead. Of course, I could help him (or her), but I remembered that we have to leave nature to run its course.

 

 

 

 

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After resting a while, the bug became active again. But this time, he only wiggled his legs on one side and suddenly he was lying on his side. After wiggling a little more, he was back on his feet moving on his bug journey. I realized that we humans are not different. When something or someone throws us on our backs, we can just take it easy, wait, and as long as we are alive, there is going to be a way to get back on our feet.

P.S.

I hope that the images from the top will serve you as a reminder. Life is happening. Let’s enjoy it together.

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

  Cheers,
Manny<br /><br /><br /><br /><br />
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Mortgage Solutions For You!

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lowrate

A client had a mortgage with a balance of $432,000 and an interest rate of 3.99%. She needed $20,000 for improvements on the property. Instead of increasing her loan, which would create a cash-out and higher rate, we decided to lower the loan amount to $417,000 (conforming loan limit) plus a line of credit for $35,000.

As a result, she can have a new bathroom and her monthly payments are about $200 LOWER!


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

 

Cheers,


Manny<br />
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How To Celebrate Easter

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How To Celebrate Easter

“Our beliefs form our actions, our actions form our traditions, our traditions form our belongings. Only when we know where we belong, do we know who we are.”

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On Sunday morning, I got up early and was out of the house at 7:30. The sky was grey, but I saw a beautiful light on the horizon. Though it was expected to rain this day, I reasoned I might still have the time to go up to Mount Davidson to catch some light. On the way there, I started to encounter some surprises. The first one occurred when, while I was climbing the street leading up to the hill, a police car drove by (It is not typical at this hour in our area.) When I reached the foot of the hill, I noticed an unusual number of cars parked on the street. Then I saw parents with little children coming down the hill and some were going in the opposite direction. I also met some people who were coming down holding paper cups with Starbucks logos. I do not drink coffee, but the thought crossed my mind – where in the heck did they get it? And only when I finally reached the top and saw a big crowd, it dawned on me. Today was Easter and all those people came to the Cross.

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The surprises kept on coming. There were cars and a TV KRON 4 News station van at the top of the hill. How did they get there? There was a table with some food, water, and of course—Starbucks coffee.

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It turned out that it has been a long standing tradition to greet Easter by the tallest Cross (103 ft) in California, at the site which belongs to the Armenian Church. People gather there to express their adherence to a tradition, followed by their faith that Jesus Christ came resurrected on the third day after his crucifixion, almost 2000 years ago. What has changed from that time long ago, on Sunday, the crowd used their cell phones to photograph the Cross, or to take selfies with the incredible city view behind them. Additionally, the correspondent from the TV station used his cell phone to read his script.

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Members of the Armenian community, on whose land the crowd had gathered on, were offering refreshments, water, and freshly baked Armenian bread. Another sign of faith, I saw only a few umbrellas.

When I came down and was only a few blocks from our house, the rain started. It was 8:30am and I hoped that by that time, the crowd was down the hill as well. I felt sorry for those who were planning an Easter egg hunt, but in the afternoon the sun came out again. At the end, we all were blessed by the rain and a beautiful day to enjoy family and friends.

 

 

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P.S.

It was a great opportunity for me to be at the top of Mount Davidson, and to take some images for your enjoyment. 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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Mortgage Solutions For You!

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credit

A client was given a 45 day notice to vacate her rental property. Never the less, the management company charged her for another month. Our client refused to pay. The bill ended up in collection and her credit score dropped from 750 to 687. As a result, she cannot refinance her rental property and has difficulty in purchasing the new home she wants to occupy.

To get a mortgage, collections need to be paid off.

One of the solutions was to hire a credit cleaning company, but it will take at least 6 months to get results.

Be prepared and always monitor your credit!

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


 

 

Cheers,

Manny<br /><br />
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From Passover to Easter

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From Passover to Easter

“Our beliefs form who we are. But where do those beliefs come from?”
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On Friday night Jews are celebrating the first night of Passover, which commemorates their Exodus from Egypt at around 1300 BCE. For the last 33 hundred years, the story is retold every year. But 2000 years ago, the story received a new twist. A group of Jews were celebrating the holiday through a prescribed meal after which their leader, Yeshua, who according to the author Reza Aslan, was a Jewish religious Zealot whose name in Hebrew derives from “to rescue, to deliver”, was arrested. The charge: threat to the Roman rule in Palestine.

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According to Christian tradition, he was crucified and three days later resurrected. Some years later, his story was retold by different authors. His name was translated into a Greek name and be became known as Jesus of Nazareth or Jesus Christ—and a new religion was born. The irony is that after the Romans crucified him, many years later, Rome became the center of the Catholic Church.

The name Easter, according to Wikipedia, is connected to the word “Pash” in Latin, which leads to the Hebrew “Pesah”. This brings us back to the original story. In the Torah description of the events, which led to the Exodus where God inflicted 10 plagues onto Egypt, to force the Pharaoh to let the Hebrew slaves go to the desert and to serve their mysterious and all-powerful God. The last (tenth) plague was the death of all of the first born children. To protect the homes of the Hebrews, God instructed them to mark the thresholds of all of the doors belonging to the Hebrew people with the blood of a slaughtered lamb (which became known as the Paschal lamb).

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Thus, the angel of death “pasah”, which means passed over the homes of the Hebrews and inflicted death only on the Egyptians.  As you might know, after spending 40 years in the desert, the study of the laws and rules of God (the oldest and longest educational system), former slaves became the Jewish Nation and after crossing the Jordan river, they captured and settled in the territory where many, many years later, was born a man who became known as Jesus Christ, and whose life and teachings are very much connected to what his ancestors learned in the desert and years after that.

Now two-thousand years later, we are back to where we started. We celebrate the belief that there is power beyond our comprehension, that which we call God. But also realize that despite the difference in the story, we all come from the same spiritual source and instead of focusing on our differences, we can choose to focus on what unites us. I call it love.

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P.S.

Mount Sinai, where God’s commandments were given, is in a desert. The territory is a place which does not belong to anybody, but is where the ideas of freedom were nurtured. Despite all the progress in the world, we still have many deserts that actually mean unlimited possibilities. The “desert” I photographed is along Highway 5 on the way to Los Angeles.


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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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asset


 

Clients interested in purchasing a home had good down payment, excellent credit scores, and great jobs. Unfortunately, this was not enough to qualify.

Why?

The unexpected solution was for a significant amount of money in their 401K retirement plan to be counted as well. We found a Lender that allowed use of up to 70% of their assets to be distributed over 30 years.

We got the loan approved after this amount was added to the total employment income!


 

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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 To see another Asset Depletion Loan scenario we solved: click here.
Cheers, 

Manny<br />
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How To Avoid Being A Jerk

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How To Avoid Being A Jerk

“Your image is not what you see in the mirror, but what others see in your eyes.”

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The idea to write about jerks came after reading an article in the SF Chronicle, “Does more money mean more jerks?”.  Since English is my fourth language, I often use the dictionary to find out the exact meaning of a word; especially those that have a common use, like “jerk”. According to Urban Dictionary, “Jerks are selfish, manipulative bastards who see women as little more than sexual conquests to brag about to their buddies, or mere objects that are there for their personal pleasure.” There are other definitions and all of them have to do with the relationship between men and women.

I immediately had a number of questions: the article does not talk about personal (sexual) relationship, why did Heather Knight used the word “jerk” in the title? But I also questioned the conclusions of the 50 studies made by Paul Piff?

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In my view, there are three types of drivers: aggressive (I am one of them), docile, and those who never learned how to drive. Since most of us are either “A” or “B” types, our driving style reflects our personalities. “A” types want to do more in a limited amount of time. Some believe that fast cars like BMWs can get them to their destination faster. On the way, they might violate a few traffic rules, like not stopping for pedestrians, or running a red light. When caught, like I was on the traffic camera (read my story here), there was no choice but to pay the hefty penalty and to take an 8-hour class to learn how to behave on the road. Of course, there is another category of people/drivers; those who do not care about others. We can call them irresponsible, egoists, crazy, or even jerks. Just be sure you are not getting in their way.

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Driving on the road is sharing it with others. Like other social activities, we need to learn how to be social regarding our personality type. As I’ve written before, taking time for driving classes can help calm and pacify any driver. As far as the type of car, we all have our budgets. We all will get to our destinations, though sometimes we need to shop even when we are in a rush.

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P.S.

Some people with “extra” money like to show off, drive fast, and buy expensive cars (not necessarily BMW’s). On our recent visit to LA, I found four beauties in front of the Beverly Wilshire Hotel: a yellow McLaren, a grey Lamborghini, a red Ferrari, and a black Bugatti. 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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fed


 

According to a recent article by the SF Chronicle, the Fed released a statement signaling a rise in the interest rates to come in June–the first increase since the recession, but the central bank emphasized that it might still delay the decision.

What does this mean?

Don’t miss the lower interest rates this time! Make sure to contact Pacific Bay Financial TODAY for all your mortgage needs. We can help secure a loan that is right for you.


 

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


 

Cheers, 

Manny<br />
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The Beauty Of The Sunrise

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The Beauty Of The Sunrise

“Regardless of what happens to us or in the world around us, the sun will always rise.”
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When the time changed one hour ahead for Daylight Saving Time recently, I realized that it was done especially for me. With spring approaching, and the days growing longer, I had to get up much earlier to catch the sunrise. But then, in anticipation, I did not sleep well, waiting, not wanting to sleep through the sunrise. (I did not want to set my alarm clock, so as not to wake my wife, Elfa.) By 6:30am, I was out on the dark street with a small camera in my pocket and a large one over my shoulder. I was on a mission to capture this event when his majesty, the Sun, showed his face and all his glory. (It only happens once a day.) As I’ve written before, Mount Davidson—part of San Francisco’s rich history, located 25 minutes away, in a high spirited walk up the hill from our house. I got to the top and took my first shot at 6:52am.

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The world was just waking up (after all, it was Sunday). Most of the city down below was still lit with lights. The sky had a beautiful blue color with darker clouds and pink light peeking through. Behind my back on the scantily lit hill, a flock of robins were busily pecking at something on the ground, chirping constantly (possibly greeting each other with ‘Good Morning’.) I was the only one there. The silver moon was high in the sky, as a reminder that the night was not yet over. Down the hill, Downtown San Francisco was grey with some lights and the lit streets were waking up, slowly. The Golden Gate Bridge was crossing the dark water of the bay onto the other side. As the minutes passed by and the steady voice of the wind filled the air, the pink color of the sky was converting into magenta with yellow lines above Mount Diablo on the other side of the Bay. With every minute the dominating magenta was expanding, bringing the excitement in anticipation of what would happen next. The city lights on the surrounding hills were fading out and more light from the sky was slipping in.

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But suddenly, the brightness of the sky was gone—everything became grey with light pink streaks. It seemed that the show was over, though I knew otherwise—it was just a prelude. His majesty was not out yet. I had to be patient. And then at 7:06am, right in front of me, the sliver of orange was announcing its’ inevitable return! The street lights below went out, and the city became dark grey. The sky became lighter, with every changing second.

And then it showed up; the white crown surrounded by strong colors of red and magenta, which slowly changed into blue and yellow, layering each other.

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It was 7:07:38 am.

Suddenly I turned around, stunned by the quietness. The flock of birds, stopped chirping and were sitting on the bush facing the sun, seemingly mesmerized by the stunning scenery. It appeared that even the wind quieted down.

But the show was not over yet.

As the sun rose, the magenta became yellow, and then the sun finally showed its full glory.

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It was 7:19am. Everything became illuminated. I realized, that every time I see the sun rise, it is like the first time, because it is never the same. Russian poet, Vladimir Soluhin wrote:

“Since in life everything is happening the first time, what is left is the joy of anticipation.”

P.S.

I hope that my panoramas gave you a glimpse of my experience and feelings. If you would ever like to walk to the top of Mount Davidson, I would be happy to come with you. Meanwhile, 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 />
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