Several years ago, we always told clients to just say “no” to reverse mortgages. Back then, they were a very expensive product. That was then, but things changed about three years ago. Today, loan costs on a reverse mortgage are virtually the same compared to a traditional mortgage.
Here’s a mortgage strategy one of our clients used that saved them over $15,000 in loan and closing costs.
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Sunshine is an essential part of our lives. It nurtures the growth of the plant kingdom at the bottom of our food chains, it warms us and our environment and it provides vitamin D, which is essential to our health and growth. But what we have all seen, and has become more prevalent in our awareness over the last few decades, is that too much of a good thing can be potentially harmful. Unhealthy sun exposure (too much, too intense, too long) can contribute to skin damage (wrinkles, sun spots) and of course skin cancer. So it goes without saying that sunscreen and sun protection products are a good idea – but how do you know that what you are putting on your skin is safe and healthy for you at the same time?
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You’ve probably heard stories about large companies having their data hacked. These thieves steal customer and employee information like name, address and Social Security numbers. A while ago one of our clients who works for a large company was notified by their employer that they in fact had been hacked. Several months went by with nothing happening so they thought they had dodged a bullet.
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The wind is blowing my hat towards my cheek, and I can hear my children laughing with their daddy. It is an absolutely breathtaking day on Miami Beach, and I feel like crying. My mind is flooded with negative thoughts: I’m a bad mom because I won’t play with them in the water and my children’s memories of fun times will always include mom on the sideline watching them looking serious. It is always painful to sit in a happy place full of remorse and regret. I know this is universal for most of us as parents.
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Leadership is a big buzzword in the career world these days, with many people wondering how they can demonstrate it even when they’re in a new or junior role with their company. There are a number of ways to look at this concept, and many different ways to execute it, but at the heart of leadership there are three core elements:
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