Manhattan Resident Managers Club Newsletter-JUNE 2017

Vol. 38 No. 173

June 2017

Dedicated to the Performance & Advancement for the Real Estate Manager

Newsletter

JUNE 6TH OUR NEXT MONTHLY MEETING WILL BE HELD ON TUESDAY JUNE 6, 2017 AT THE BATTERY GARDENS 1 BATTERY PLACE, NEW YORK, NY 10004

­– Manhattan­Resident­ManageR’s­Club,­inC.­–

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D

A

I

S PRESIDENT:

anton Markola 212-974-4650 Amarkola1@gmail.com

Manhattan­Resident­ManageR’s­Club,­inC. 7Rgani3ed­19 0 P.O. Box 1144 New York, NY 10021

VICE-PRESIDENT: Joe Cervini 917-588-4922 jcervini@mac.com TREASURER: PatriCk MCenaney 917-699-5231

Our Next Meeting

McEnaney.patrick@gmail.com

will be held on Tuesday, June 6, 2017 at The Battery Gardens Located at 1 Battery Place, New York, NY 10004 starting at 6:00pm.

FIN.SECRETARY: Steve Mala 212-861-2073 Steve.Mala@yahoo.com

Dress code for this meeting is Business Casual.

SECRETARY:

Members & Guests: $80.00

ben floreS 917-860-5811 benjieflores3@gmail.com

TRUSTEES:

Laslo Karsai

John Szabo

Joe Vela

CLUB NEWSLETTER

Dean Berishaj

Steve Kukaj

Louis Parrilla Publisher 917-750-4117 resmgr524@gmail.com

Peter Guzman Business Manager 917-837-1390 pgu3911250@aol.com

Ben Flores Editor 917-860-5811 benjieflores3@gmail.com

Any Opinions expressed here are those of the writers and not necessarily those of the Manhattan Resident Managers Club,Inc., or its members.

The Manhattan Resident Managers Club Inc. reserves the absolute right, at its sole discretion, to accept or decline requests or submissions for advertising or other copy in its Newsletter or in any Club publication.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

Anton Markola President Manhattan Resident Managers Club, Inc.

Welcome to June Newsletter!

First off, I would like to wish a Happy Mother’s Day to all our Moms’; whether here with us or at piece in Heaven.

God Bless! Also, let’s us not forget the wonderful Dads’ out there as we celebrate Father’s Day this month. Gentlemen, enjoy your very special Sunday on the 18th.

On Behalf of the Dais & Trustees, I would like to thank all the members and guests for attending the May meeting.

Also, I would like to express our sincere gratitude to Mr. Steven Silver of American Pipe & Tank for an excellent presentation on NYC Cooling towers and water tank regulations.

The Manhattan Resident Managers Club is proud to have selected Mr. Ben Flores as our 2017 Resident Manager of the Year. Mr. Flores is our current Secretary and we thank him with gratitude and appreciation for his dedicated service to our organization. We would also like to congratulate the winner and recipient of the William Key Vendor of the Year Award, Mr. Phil Levine of Major Air Service Corp. We are forever grateful for his continued support and contribution to the CLUB throughout the years.

REMINDER TO ALL MEMBERS! Please remember to purchase your ticket to our 17th Annual ‘’Sunset BBQ” on the New York Harbor. Open bars, food, music and dancing from 6-9 pm at The Battery Gardens Restaurant. Tickets are $80.00 per person. The first two (2) from a total of six (6) Scholarship Drawing ($2,000.00 per Winner) will be held at this event. You must be present to win! You can only win once. More details see inside the news letter flyer.

The 2016 Three Hands Grand Ball is set for Saturday, November 4th at Gotham Hall. Tickets are going fast already.

Our 4th Annual MRM Club NY Yankee game will take place on Wednesday, July 25th, as the Bronx Bombers take on the Cincinnati Reds with the first pitch scheduled to be thrown at 7:00pm. For more information please visit CLUB website at www.mrmclub.com The Manhattan Resident Manager’s Foundation held there 22nd Annual Golf Tournament at the Salem Golf Club on May 22nd. And once again, our golf committee did outstanding job. Many thanks to Co-Chairmen, Kevin Key and Francis McLoughlin, and committee members Mike MacGowan, Louis Parrilla, Frank Rampino and Sevded Kukaj.

Please remember to support our Associate Members as they are main source that keeps our CLUB in existence. Most of our Associate Members take an ad in our monthly Newsletter, so when you’re in need of a contractor or vendor, please refer to the Newsletter for their services.

I’m looking forward to seeing everyone on June 6th for our next monthly meeting at The Battery Gardens; and YES, the dress code is Business Casual.

To All I would like to wish you a very happy fun and safe summer.

Fraternally yours,

Anton

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

Happy Birthday Wishes to Regular Members: Michael Baglivio, Hector Norat, Marvin Diaz, Gavo Kalian and our CLUB Secretary Ben Flores.

Tis the season for Graduations.

All the Best & Good Luck to all the recent graduates and we wish you well on all your future endeavors..

Happy Father's Day to all the Dads here and gone!

JUNE 2ND

JUNE 4RTH

JUNE 5TH

JUNE 14TH

JUNE 18TH

JUNE 21ST

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

CLUB FISHING TRIP Dear Fellow Members: The MRM Club Annual Fishing trip will be held aboard the “MIJO 2” on Thursday July 6, 2017. We will be fishing for Fluke. The boat is located in Atlantic Highlands, NJ Marina. We will depart from dock #1 promptly at 7:00am. and return around 2:00pm.

The trip includes Coffee, Snacks, Lunch, Beverages, Rod, Reel, Tackle and Bait. A refundable forty-dollar deposit required to reserve a spot.

DIRECTIONS TO THE BOAT: Take Garden State Pkwy. South to Exit 117 (Keyport/Hazlet). After toll get on route 36 exactly 9 ½ miles to Atlantic Highlands approximately 10-minute ride to 1st Avenue. Go through light on 1st Avenue and take jug handle. You will still be on 1st Avenue. Go straight into the Municipal Marina. Plenty of parking available across the street from the marina.

To participate on the fishing trip, you must be in good standing with all dues paid in full. Non-members: $80.00 dollars.

Please Contact: Louis Parrilla @ (212) 734-9810 or Cell# (917) 750-4117 or Peter Guzman @ (917) 837-1390

WARNING! Fishing can become addictive and habit forming. Do not come aboard unless you are prepared to experience the thrills, excitement and enjoyment and of course, the satisfaction that only a day of fishing can provide.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

Manhattan Residents Manager’s Club Come join us for our Annual “Sunset Barbeque” on the New York Harbor on June 6, 2017 Two top shelf open Bars, Food, Music & Dancing with indoor & outdoor space from 6:00pm- to 9:00pm At

THE BATTERY GARDEN RESTAURANT Inside Battery Park (Opposite 17 State Street)

Tickets are $80.00

Regular Members Scholarship being Drawn. You must be present to win.

50/50 Raffle Drawing $250.00 TO SPONSOR THE EVENT

For more information on Sponsorship & Tickets, please contact: Anton Markola Louis Parilla Francis McLoughlin

212-974-4650 212-734-9810 212-268-0952

RAIN OR SHINE

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PRESENTATION TIPS TO LAND A NEW CLIENT

A POTENTIAL EMPLOYER WILL NEVER TELL YOU THIS Why didn't you get that job? You were qualified.

You were prepared. The young interviewer seemed to like you. Why? Answer: You have a facial piercing.

Complain all you want. Rail against the man. But, the fact is, a facial piercing might prevent you from getting the job.

Is it just an outmoded prejudice common to old people?

Yes and no.

Yes, it is a prejudice of older people. Fifty years ago, it was not entirely accepted for a woman to have pierced ears.

Today, 83 percent of the population have an earlobe piercing, according to statisticsbrain.com.

The same research, conducted in 2015 by Northwestern University, showed that 14 percent have a piercing other than an earlobe. The most popular is a navel piercing. Next is a nose piercing.

Still, it isn't just older people who look down on facial piercings.

A 2014 study by researchers at Iowa State University found that college students harshly judged pictures of people with lip or eyebrow piercings. The students judged the piercings much more harshly than older working adults. The students ranked the pierced people lower in every category including trustworthiness, sociability, competence and morality.

Best advice: lose the facial jewelry.

Landing that new account or client can bring feelings of elation.

It's likely that to land a client you'll have to make a great presentation. Here are some tips: First, steady your nerves. This seems like common sense, but ahead of the presentation, you'll have a few butterflies.

COMMON FOODS POSE CHOKING HAZARD Kids under five years old should not have whole grapes or grape tomatoes. Children that young have small airways making it easy for these small fruits to be trapped and completely block all air.

A recent entry in the Archives of Disease in Childhood reported three cases of children from Scotland ages 5, 2, and 17 months who presented in the emergency room with blocked airways. Each had eaten a whole grape that became lodged and formed a tight seal in the airway. Two of the children died.

As you start the presentation, make it clear that you are the owner of the business; not an employee.

Understand the client's needs and what their goals are ahead of time. That way you can address them during your presentation.

Include graphics, images, and facts to make your presentation more memorable, according to Inc. Consulting Success says you should offer an introductory rate for your fees. However, make it clear that it's just that.

Feel free to let them know your normal rates.

Inc. also says to give your presentation as a story. Let stories illustrate points to help people make an emotional connection to the message.

Work up a sell sheet, states Entrepreneur magazine. This sheet should clearly state how you plan to address the potential client's problems and challenges. If you are presenting a product, explain its features and benefits and your product's market. Also, explain the legal status of your invention, such any patents pending, copyright or trademark information.

Watch your time. You don't want to start droning on and on. That bores people, and at some point they tune out.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

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­– Manhattan­Resident­ManageR’s­Club,­inC.­– PERSONALITY SELLS Personality, not competence, is what employers want, according to Global Learning Institute, Hyper Island.

The institute found that 78 percent of a survey's respondents said personality was the most important quality in a new hire. Only 39 percent said competence. Companies wanted employees to be likeable, adaptable and collaborative, according to the Society of Human Resources Management.

SMALL BUSINESS CONFIDENCE CONTINUES AT ALL-TIME HIGH Small business owners continue to be very optimistic about future economic growth, according to a recent industry survey.

The National Federation of Independent Business (NFIB) released its February Small Business Optimism Index in March. The reading was at its highest in 43 years.

The NFIB noted that evidence on the economy is mixed.

The New York Federal Reserve puts first quarter growth at 3.1 percent while the Atlanta Federal Reserve is looking for 1.8 percent. Both have access to the same data.

However, the gulf between liberals and conservatives is large. The University of Michigan/Reuters poll in

February illustrated this, with the Expectations Index at 55 among Democrats, 120 for Republicans and 89 for Independents. The Democrats expect the worst, the Republicans the best. Spontaneous positive references to economic policy were made by a record 28 percent of consumers, 26 percent made negative references. Reality will resolve the gap.

Small businesses are optimistic that there will be a new health care law, tax reform, and relief from regulations.

It is clear from our data that optimism skyrocketed after the election because small business owners anticipated a change in policy, said NFIB President and CEO Juanita Duggan. "The sustainability of this surge and whether it will lead to actual economic growth depends on Washington's ability to deliver on the agenda that small business voted for in November. If the health care and tax policy discussions continue without action, optimism will fade," Duggan said.

The index fell in February, but still is considered very high. The NFIB noted that the slight decline follows the largest month-over-month increase in the survey's history in December and another uptick in January.

Despite a small decrease, nearly half of owners expect better business conditions in the coming months.

The elephant in the room remains to be whether the Trump administration will be able to deliver on the many policies small business owners are counting on. The health care legislation stalled in March. Tax reform may not be dealt with until the end of the year. It remains to be seen what major regulations will be dismantled.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

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YOUNG AMERICANS NOT PREPARING FOR RETIREMENT Retirement can have a multitude of meanings depending on the situation, but one constant is that there should be some strategy involved to ensure that the bank account is not empty once the paychecks stop flowing.

This strategy does not have to be complicated, but due to the advantages of compound interest, it is always a smarter move to start saving as early as possible before retiring. Unfortunately, most Americans are not.

According to Time magazine, a full 33 percent of all Americans surveyed had zero money saved for retirement. And 56 percent have less than $10,000 saved for their retirement years. The survey also shows that 13 percent of the population has a savings of $300,000 or more.

The data show that the youngest group surveyed, the millennials (ages 18 to 34), are the least likely to have started a retirement account. In fact, they are 40 percent more likely not to have savings

than the Generation Xers that came before them.

U.S. News shares five reasons why millennials might be less likely to start and continue saving for retirement: * They take jobs without benefits Young people flock to small business and high-growth startups.

While this is great for innovation and entrepreneurship, many of these firms do not offer retirement benefits. More than 40 percent belong to this category. * They are not eligible for the 401k plan Even if a business offers it, new employees might not have access to the program due to temporary status or a waiting period.

This is especially true for younger workers that find themselves with two part-time jobs and no full-time benefits. * They fail to sign up Millennials seem to be less likely than the last generation to sign up for a retirement plan. If the program offers employer contributions, however, over 70 percent will sign up. * Parenthood, homeownership, and other financial obligations Once millennials reach the family-starting years, they are forced to balance the needs of now versus the needs of tomorrow. Coming up with a down payment for a house, for instance, could directly compete with that retirement contribution. * Lower salaries Just like any other worker, millennials are more likely to participate in a retirement account if they make more money. Only half making less than $25,000 will volunteer to save, but that number spikes to 80 percent for those making over $100,000.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

EXPRESS HARDWARE & BUILDING MATERIAL Competitive pricing More than 30,000 items in stock Convenient New York City based location Same day / next day delivery JANITORIAL SUPPLIES GARBAGE LINERS HAND/POWER TOOLS LIGHTING/ELECTRICAL PLUMBING PAINT (BENJAMIN MOORE AND MORE) OFFICE STATIONARY SPECIAL ORDERS

Please call for more information or to open an account today 212-522-1886 915-82 -0040 4 -4 9-6126 929-444-1414 915-8 0- 99 Sales.expresshardware@gmail.com 235 East 123rd Street New York, NY 10035

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­– Manhattan­Resident­ManageR’s­Club,­inC.­– CREDIT SCORES MAY IMPROVE NEXT MONTH

ACTIVE SHOOTER SAFETY

Here is some great news for people who have tax liens or civil judgments on their credit report: Your credit score is probably going up.

The three credit reporting agencies (Experian, TransUnion, and Equifax), on July 1, will adopt new standards for reporting tax liens and public record information. That is to say they won't be reporting the majority of these public records, although it is unclear what public records will remain.

In any case, this is a huge change because, currently, an unpaid tax lien can drag down a credit score for years. Even after the debt is satisfied, it can stay on the record for seven years.

The credit companies made this decision on their own, without prompting by courts or Congress. But lenders are not that happy about it.

Quoted in the Washington Post, David Stevens, president of the Mortgage Bankers Association said the move will create artificially higher credit scores, making individuals appear lower risk than they are.

According to LexisNexis Risk Solutions, borrowers who have a judgment or tax lien are five and a half times more likely to end up in default or foreclosure.

PREVENTING FALLS AT WORK In industry, one main focus of the Occupational Health and Safety Administration are worker deaths related to falls from cell towers.

In what has been a relatively new industry during the last 30 years, cell tower construction and maintenance has been a rapidly growing field in which workers have unique fall risks. In 2013 OSHA recorded 13 communication tower-related fatalities with 12 in 2014. With strict enforcement of safety standards that number dropped to 6 in 2016. Not all fatalities were from falls. Some fatal incidents occurred because of structural collapse of towers.

However, the cell tower construction industry's unique experience highlights the role of safety in industry.

According to OSHA, it is the duty of industry to have fall protection systems and protective practices in place. All companies must provide training with personal protective devices such as safety belts, lanyards, lifelines, lanyards and safety nets.

In industry, the key is planning ahead to get the job done safely, providing the right equipment for the situation, and training workers to use the equipment.

This isn't just the responsibility of the cell tower industry, but all industries in which workers climb to heights of at least six feet.

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As the number of active shooters in public spaces rises worldwide, government, industry and educational institutions have focused on training people to act immediately during a shooting.

Remember most active shooters do not have a specific target in mind. They will shoot at ran-

dom.

The rules: Run, escape if the path is accessible.

Hide, in less obvious places.

Fight. As resort of last hope, attempt to disrupt, distract or incapacitate an active shooter.

If you believe you have a chance to escape, don't pause to urge others to follow you. Act immediately. Get out and do not stop of help injured people.

According to the Department of Homeland Security, if you can't escape, then find either cover or concealment. Cover might protect you from gunfire. Concealment will hide you from the view of the shooter.

When law enforcement arrives, they will be focused on the shooter. They will not have time to help injured people until the threat is over. Officers might shout orders and everyone must be prepared to follow the orders immediately. Officers might push people to the ground to get them out of the line of fire or even out of the way of responders.

As officers arrive, you must put down any items in your hands, raise your hands, and prepare to follow instructions.

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FOCUSING ON FATIGUE Busy people with busy lives can become overtired and the result has far-reaching implications for all activities at home and at work.

According to the National Safety Council, more than 37 percent of workers are sleep deprived and that goes double for night shift workers. More than 60 percent of night shift workers complain about sleep loss.

What's more people become less focused on safety as they become more tired. Fatigued workers cost employers about $1,200 per employee annually.

The perils of driving while fatigued are perhaps the most obvious.

According to the NSC: * A driver is more than three times more likely to die in an accident if the driver is fatigued. * Drowsy driving takes the lives of more than 5,000 people each year. * Losing two hours of sleep has the same impact on driving as two beers. * Being awake for more than 20 hours is the equivalent of being drunk.

The cost of fatigue is not felt just in driving and work activities, however.

The cost of sleep deprived living is bad health.

Sleep deprived living has been linked to depression, obesity, and cardiovascular disease.

Stay safe with a minimum of seven hours of sleep every night. Make it a priority.

HOW TO AVOID TICKS * Don't walk in tall grass and leaf piles. Stay on trails when hiking. * Use a repellent that contains 20 percent DEET on skin and clothing. * Light colored clothing makes it easier to spot ticks. * Wear long sleeves and long pants. * Shower or bathe after spending time in wooded areas. * Check pets, clothing and equipment for crawling ticks. * Do a body check for ticks. Be sure to check behind the ears, under arms, behind knees, in the belly button and in the groin area.

WHOLE GRAINS CONFER BENEFITS Two new studies by Tufts University have found whole

grains have a wide role in producing healthy bacteria in the gut.

Whole grains include whole wheat, brown rice, rye, oats, barley and quinoa.

The first study found benefits from whole grains in gut bacterium that enhance the immune system and prevent infection. At the same time, the grains reduced bacterium that contribute to inflammation.

The second study suggested that whole grains increase metabolism and encourage weight loss. A whole grain diet increases calorie loss by decreasing calories retained during digestion, according to HealthNews.

PUMP-UP WITH VITAMIN D High levels of vitamin D might boost muscle strength, a British study suggests.

AVOID ENTERIC ASPIRIN FOR HEART BENEFITS Researchers at the University of Birmingham found that people with higher levels of active vitamin D in the blood had more lean muscle mass, according to medicinenet.com.

Vitamin D is produced by the body through exposure to the sun. It is inactive until processed by both the liver and the kidney.

Previous studies have found that lack of muscle is associated with high levels of inactive vitamin D. Scientists know how vitamin D helps bone strength, but research into its role in muscle is still being studied.

If you take aspirin for heart health, don't take enteric aspirin.

A new study by Duke University found that aspirin coated with a material designed to avoid irritation in the stomach lining (enteric aspirin) did not reduce clotting at all.

Modified-release type aspirin did the best job of protecting patients from clotting. Normal aspirin also did well. But the effects of enteric aspirin were undetectable.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

MANHATTAN RESIDENT MANAGER’S CLUB, INC. IS PROUD TO HAVE SELECTED

BEN FLORES Resident Manager of the Year 2017 With gratitude & appreciation for the years of dedication and service to the CLUB — 22 —

­– Manhattan­Resident­ManageR’s­Club,­inC.­–

MANHATTAN RESIDENT MANAGER’S CLUB, INC. IS PROUD TO HAVE SELECTED

PHIL LEVINE of Major Air Service Corp

Associate Member of the Year 2017 In recognition of many years of support & friendship you have show to the CLUB — 23 —

­– Manhattan­Resident­ManageR’s­Club,­inC.­–

All about Dad! According to an old joke, Father's Day is mainly about giving Dad a new tie.

But, the fact is, ties are not at the top of the list.

According to statisticbrain.com, the top gift for the 68 million fathers is going to dinner or a sports event, followed by clothing. Interestingly, in 2015 research, Dads said they really wanted a card or something homemade for Father's Day. More than 70 percent of Dads said that Father's Day improved their relationships with their children. More than 65 percent said a gift on Father's Day increased their satisfaction as a parent.

Why does it have to be a JUNE wedding?

A Saturday in June is still the most popular time for a wedding, followed closely by Saturdays in July and August.

But while nuptial dates have remain steady, the costs have not. According to The Knot, the national average cost of a wedding is now $35,329, up $1,428 since 2015.

The average cost of a wedding dress is $1,564. Compare to the groom's attire at just $280.

With the average cost per guest at $245, some things have changed in the traditional wedding. There are fewer guests, for one thing down to 141 in 2016 from 149 in 2015. The bride's father is no longer always the one who pays for the wedding. Today, according to Bride's Magazine, the cost is often shared by both families. At least 30 percent of the time, the bride and groom themselves pay for the wedding.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

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­– Manhattan­Resident­ManageR’s­Club,­inC.­– VACATION JOKES FOR THE MONTH OF JUNE Jacob: Why can't basketball players go on summer vacation?

Riley: Why not?

Jacob: They'd get called for traveling!

75 years ago: The Battle of Midway

Stephan: Where did the sheep go on vacation?

Michael: Where?

Stephan: The Baa-hamas!

John: What's brown, hairy and wears sunglasses?

Ron: What?

John: A coconut on vacation!

Myles: Why didn't the elephant buy a suitcase for his vacation?

Henry: Why? Myles: Because he already had a trunk!

Dad stood on the bathroom scale sucking in his gut. Mom saw him and asked him how that was going to help him weigh. Dad replied, “It’s already helped my weight because now I can see the numbers.”

In one of the most decisive naval battles of World War II, American bombers and aircraft carriers soundly defeated a Japanese attempt to take Midway Island in the central Pacific. The battle, which raged from June 4 - 7, 1942, resulted in the Japanese loss of four carriers, two cruisers and three destroyers, rendering the central Pacific safe for the Allies.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

Summer gnats driving you gbatty?

Here's how to get rid of them: First, figure out how they are getting in. Check windows, window seals, doors, etc. It is possible they are living in houseplants, too.

Second, fill a sink with soapy water every night during gnat season. The gnats will drown themselves. Same idea: Set out a half-covered bowl of vinegar.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

HOROSCOPES Aries 3/21 - 4/19: Health is in the stars this month for both your body and checkbook. Relax and enjoy the moment

Libra 9/23 - 10/21: Life hands you contradictions this month. The full moon on the 10th and 11th are equally bright. Embrace both.

Taurus 4/20 - 5/20: Family and business associates are skeptical, so if you want to pursue a new idea, you are on your own for a while.

Scorpio 10/22 - 11/21: When there are more choices, it is sometimes harder to choose. This is the month to eliminate possibilities to create a clearer path.

Gemini 5/21 - 6/20: An old problem resurfaces. If you address it the same way you have in the past, it will come up again. Stars say time for a change.

Cancer 6/21 - 7/22: Of all the stars in the universe, one in shining on you this month. How you think about it, changes everything.

Leo 7/23 - 8/22: Plenty of activity in the first part of the month makes it necessary to wind down with the moon after the 13th. Get some sleep.

Virgo 8/23 - 9/22: Entertain a moment of doubt. A chip in your armor could do some good. Reevaluate.

Sagittarius 11/22 - 12/21: A reunion with an old friend will be awkward, but don't avoid it. A powerful new insight can be yours.

Capricorn 12/22 - 1/19: An opportunity comes your way. Before making a decision, use your imagination to see the possibilities, good and bad.

Aquarius 1/20 - 2/18: An exciting new experience awaits this month if you are ready. Free up your schedule and don't overspend.

Pisces 2/19 - 3/20: This month focus on peace of mind as you get your own house in order and take leave from the world's battles.

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

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­– Manhattan­Resident­ManageR’s­Club,­inC.­–

SALES PRICES RISE; HOWEVER APPRAISALS MAY SAY DIFFERENT Across the country, real estate agents are reporting a strong sellers market driven by lower unemployment and tight inventory of existing homes.

More people have more money and they want to buy homes but with fewer houses to choose from, prices rise.

This is still a great situation when buyers want a house and sellers want to sell. But an appraisal can sometimes throw a wrench into the deal.

What happens when appraisals are lower than the agreed prices?

Since mortgages are based in part upon appraisals, deals can quickly change. In a market that has gone from cool to hot, appraisals can't follow along with rising prices, according to Market Watch.

That's because appraisals look to the past. An appraiser considers how much similar properties in the area have sold for in the recent past. If past sales were slow and prices were down, but current sales are brisk with prices rising, appraised value probably will be lower than the asking price.

Of course, a good appraiser will look at properties under contract and this might help boost appraisals.

To account for appraisal problems, most purchase contracts have an appraisal contingency stating that the property must appraise at or above the contract price. If the property appraisal comes in low, the deal changes. The buyer can put more money

into the deal or the seller can agree to sell at a lower price. With a contingency in place, the buyer may terminate the deal and lose nothing if the appraisal is low and the deal can't be renegotiated.

Here is an example of what can happen. Let's say a buyer has agreed to purchase a house for $200,000. The buyer agrees to put $20,000 down and hopes to finance $180,000. But the house appraises for $175,000. Now the lender will only finance $140,000 and, with the buyer's $20,000, this doesn't add up to the appraised value of $175,000. The buyer will have to bring $15,000 more to the table or the seller will have to accept a lower price.

The difference isn't always that dramatic, however. In Phoenix, for example prices have appreciated 5.1 percent from a year ago, according ton CNBC. In West Pennsylvania, the average sale price is up 2.66 percent, according to West Penn Multi-List.

So you might have a scenario where the buyer of a $200,000 house has $40,000 down but the house appraises for $195,000.

In this case, the lender just assumes the buyers have a $35,000 down payment and the other $5,000 makes up the difference.

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MRMC Monthly Health Tips 7 Wonders Of Water Tips Stay Slimmer With Water Trying to lose weight? Water revs up metabolism and helps you feel satisfied. Many times, people confuse thirst with hunger. Stay hydrated throughout the day to avoid false hunger.

Water Boosts Your Energy If you’re feeling drained and depleted, get a pick me up with water. Dehydration makes you feel tired.

Water Reduces Kidney Stones The rate of painful kidney stones are rising. One of the reasons could be because people – are not drinking enough water. Kidney stones can’t form in diluted urine, so reduces with plenty of water!

Lower Stress With Water About 70% to 80% of your brain tissue is water. If you dehydrated, your body and your mind are stressed feeling thirsty, your already dehydrated.

Build Musle Tone With Water Drinking water helps prevent cramping and lubricates joints in the body.

Nourish Your Skin Fine lines and wrinkles are deeper when you’re dehydrated. Drinking water hydrates skin cells and plumps there making your face look younger.

Stay Regular With Water Along with fiber, water is important for good digest. Water helps dissolve waste particles and passes them smoothly through digestive tract.

MRMC Building Tips ARE THERE CHANGES TO PROCEDURES AND CLASSIFICATIONS FOR NEW YORK LOCAL 11?

Yes. These changes are: The Engineer/Architect is responsible to determine the extent of physical examinations required at the building. The physical examination shall be performed by the use of hydraulic-type platforms or form swing stage scaffolding on a minimum of one drop from ground level to rooftop. For limestone-covered facades, the entire façade is to be inspected. The remaining areas could be examined from setbacks and roofs with the use of telephoto equipment and high-powered binoculars.

A building owner can no longer evade the filing of LL-11 11/98 by claiming they have an ongoing maintenance program.

All buildings within New York City shall file a report within their cycle period.

The classification of Precautionary Condition will no longer be accepted, the new classifications is Safe With Repair and Maintenance, which refers to any condition which in the Engineer/Architect’s judgement requires remedial work and is not considered unsafe. This work shall be remedied prior to the next local law filing prior to the next local law filing.

The portions of the building wall that need to be inspected has also changed. Local Law 10/80 stated that any wall greater than 25’-0” away from a public walkway did not need to be inspected. Under LL 11/98, all building walls shall be inspected if the walls are greater than seven (7) stories or six (6) stories and a basement/cellar having at least ½ of its floor to ceiling height above grade level adjacent to any one of its exterior walls. There are two exceptions to the rule: Any wall which is less than 12 inches from exterior wall of an adjacent building. Any exterior wall facing any open space having an area of less than 900sf and which is bound by exterior walls or by exterior walls and interior lot lines.

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INTERNET SPEED Cloud storage: Is it safe?

REQUIRED FOR Gone are the days when people would store their essential docufamily photos in a filing cabinet or even a safe at home.

STREAMING VIDEO mentsAs and people accumulate more digital documents, cloud storage According to Make Tech Easier, here are the internet speeds necessary to stream content from Netflix: * 3.0 Megabits per second -- Recom-

mended for Standard Definition (480p) * 5.0 Megabits per second -- Recommended for High Definition (1080p) * 25 Megabits per second -- Recommended for Ultra HD (2160p)

has become essential, but are they safe?

Recent headlines involving data security breaches have created some doubt.

A detailed look at the industry by the BBC reveals that large players, such as Amazon's Web Services (AWS), have more than 1,800 security controls. Dropbox uses a process called sharding which breaks a file into separate chunks and then stores those pieces in different places to avoid losses. Box, meanwhile, encourages users to send a link to the file to others that allow them to preview the content without actually downloading it.

Whatever the method, those within the industry contend that their methods are much more secure than storing files locally. In fact, the majority of the biggest breaches over the past few years, such as Target, have come from internal databases and not cloud-based storage.

With all of the technology utilized to protect cloud data, the New York Times reminds users that the password is still the weakest link in any security system. Strong passwords, changed regularly, coupled with the systems put in place by cloud storage companies can create an incredibly safe environment for your important files and photos.

WATER-PROOF COATINGS You have seen the pictures of waterproof coatings that can make a cellphone impervious to a swimming pool.

Or make fluids run off a shirt.

The drawback to those coatings is that the coatings are easily damaged, especially in rugged conditions, according to Engadget.

Researchers at a company called HygraTek have now developed a new type of coating that yields a surface that is extremely water proof and can self-heal hundreds of times despite incredible amounts of abuse. The potential for such a technology is endless. Ships could move faster by reducing water resistance and clothes could be waterproofed indefinitely.

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FAILING UNTIL SUCCESSFUL!

sure to work. While it might seem noble to operate under the idea that failure is not an option, this attitude could be a critical error.

Most people have heard the story of Thomas Edison and his brilliant invention of the light bulb. According to the tale, Edison went through 1,000 failures before he found a successful prototype.

When asked how it felt to fail that many times, Edison replied, "The

light bulb was an invention with 1,000 steps."

Success magazine takes a look at this story and how failure is a constant companion to many successful people. The reason that successful people experience many failures, is that the passion inside them drives them to take chances and do things that aren't

Failure teaches lessons Each step that a person takes out of his/her comfort zone is a step into uncertainty. There might not be a plan. The person might have to react, think on their feet, and develop that plan as they go.

If they experience failure, that person has learned one way how not to accomplish the goal they set out to reach. In the long run, this knowledge can help provide more direction on the next attempt.

As the person fails over and over again, they will often get closer to their goal over time until they finally reach it.

Willingness to embrace failure for its positive benefits is a trait that many people are not interested in developing to because they are often afraid to show themselves or others that they are capable of failing.

Becoming Fearless For a person who values success, it is crucial to become fearless in the pursuit of success. Progressive companies like Intuit, General Electric, Corning, and Virgin Atlantic have all maintained that great success depends on great risk. Failure is simply a common by-product of the pursuit of success.

In fact, today's post-recession economy has seen employers actively seeking job candidates that have a track record of great failures as well as great successes. At least they know they will try.

CARE GIVING

BY THE NUMBERS Home health agencies: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4,742,500 Nursing homes: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1,383,700 Hospices: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1,244,500 Residential care communities: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .713,300 Adult day service centers: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .273,200 Total number of people under long-term care: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8,357,100 Total number of nursing homes in the US: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16,639 Total number of licensed nursing home beds: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1,736,645 Total number of nursing home residents: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1,383,700 Percent of nursing homes with for-profit ownership: . . . . . . . . . . . . . . . . . . . . . . . . . .68.2 % Average annual cost of nursing home care in the US: . . . . . . . . . . . . . . . . . . . . . . . .$73,000 Average annual cost of assisted living care: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $43,000 Average ratio of nursing home aids to residents: . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 to 30 Number of caregivers who provide care to someone age 50 or over: . . . . . . . . . . . .34,000,000 CANADA: Number of people providing care to an elderly person in their home: . . . . 8,000,000 — 37 —

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35 YEARS AGO: “QUOTES 2 PNEUMONIA, LIVE BY” AN UNUSUAL THEN AN EPIDEMIC The Centers for Disease Control described five cases of a rareispneumonia in you its newsletter June 5, Fatherhood great because can ruin some1981.

The scratch. next month the CDC found a rare one from ~ JonBy Stewart cancer that affected 41 gay men.

August, researchers were puzzled that 100 gay men died from rare diseases. The first 121 cases of what came to be didn't calledtell Acquired Immune My father me how to live; he Deficiency lived, Syndrome thehim seemingly minor herald to an and let mewere watch do it. ~ Clarence of B. Kelland epidemic that killed thousands gay men, according to the New York Times.

The first case was probably in 1959, according to You the never CDC,lose butaby the 1980s, the disease dream; it just incubates as abegan to hobby. move slowly at first then leapfrogged into the thousands and tens of thousands ~of Larry cases.Page Today, 658,500 Americans have died of AIDS. New treatments have dramatically increased the chances of living with the virus.

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CLUB SUDOKU

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“QUOTES 2 LIVE BY” My father used to play with my brother and me in the yard. Mother would come out and say, "You're tearing up the grass." "We're not raising grass," Dad would reply. "We're raising boys." ~ Harmon Killebrew

“QUOTES 2 LIVE BY” Don't be afraid to fail. Greatness lies in the vast space of uncertainty. Take a chance. ~ Richard Bronson

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MAKING CHANGES TAKES PRACTICE It is often said that people never change, but it turns out that there is at least some truth behind this statement.

According to Entrepreneur magazine, people have a hard time changing because much of what they do becomes automatic over time.

As it turns out, your brain handles new things much differently than it handles something done a million times before.

Imagine asking a person to cross their arms. The first time this is done, the limbic system drives the body's physical action. This is the place that stores memories and habits. If that same person is asked to cross their arms the other way, the prefrontal cortex will control the movement.

This part of the brain is responsible for higher level thinking and planning. If that person crossed their arms the second way long enough, it would become the new response of the limbic system.

Why Practice Works People tend to resist change for a variety of reasons, but one constant is the fact that the brain has to work extra hard to learn and adapt to changes. This effort increases the longer a habit has been ingrained into the mind and undoing bad habits requires a steady supply of willpower. Luckily forming new habits is a trainable behavior and practicing it turns changing habits into a habit.

Tips for changing These ideas can help a person to effect change more easily: Logic can not counter emotion -- Fear and anxiety often accompany changes, and there is nothing that can be done for this other than to process those feelings and accept reality.

Find the benefits If there is no distinct advantage to changing, then ask yourself what negative things will happen if you don't change.

Seek and manage barriers Remove excuses, take away crutches, and try to look ahead to avoid obstacles that can lead to failure.

Stay around the right people Find the people that give you energy and motivation to succeed with your goals and avoid those that build negativity.

Don't lose sight of the big picture Once a change is made, it is considered growth. Imagine the result and remember that the challenge is part of the experience.

THE RIGHT TIME FOR LIFE INSURANCE Life insurance can be a tricky subject depending on what stage of life a person finds themselves in. Variables such as term limits, whole life policies, benefit amounts, and riders can all create a complicated mess capable of scaring someone away from getting coverage.

Because of this complexity and cost, U.S. News reports that about 30 percent of American households have no life insurance coverage at all. Even more worrisome is the fact that there are 11 million households without coverage that include children under the age of 18.

The purpose of life insurance In simplest terms, life insurance provides a financial benefit at the time of death. A family's breadwinner might want to provide for the family. A spouse might want to be sure the mortgage is paid off if he or she dies. Parents might want to be sure kids could go to college if one of the parents dies.

Life's different stages can determine need Kiplinger.com suggests that people look at life insurance through the perspective of what their current and future needs are and allow those circumstances to govern when and how much life insurance is required.

Single people without children In this stage, of life single people are usually better off investing their money rather than buying life insurance. But some life insurance is probably necessary. For example, everyone will need burial expenses at the end of life and leaving that burden to family is irresponsible.

Of course, single people with children should carry enough life insurance to provide for their children and/or pay off the house.

Married couples without children At this stage of life, people must have life insurance to pay off a mortgage or debts that could burden the surviving partner.

Families Families with one income and young children are the classic high-need situation for life insurance. In this case, the financial payout would be vital for covering lost income if the breadwinner died prematurely. Special considerations should be paid to how much income would be necessary to cover the family for many years as well as expenses such as college tuition down the road.

Retirement Once the kids are grown up, the mortgage is paid off, and the breadwinner is in the twilight of his/her career, life insurance could become less important. In this case, the financial benefit could be used to cover estate taxes to protect heirs.

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ROSENWACH TANK

THE FIRST NAME IN QUALITY WOOD AND STEEL TANKS

718.729.4900 • ROSENWACHGROUP.COM • 43-02 Ditmars Boulevard, 2nd Fl. • Astoria, NY 11105

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To place an ad in The nexT neswsleTTer please call louis parrilla 917-750-4117 • resmgr524@gmail.com