Vol. 40 No. 195
October 2019
Dedicated to the Performance & Advancement for the Real Estate Manager
Our next meeting will be held on
Thursday, October 3rd at Colloney’s Pub & Restaurant located at 121 West 45th Street The doors open at 6pm. Dress code for this meeting is jacket & tie professional.
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The 25th Anniversary
Three Hands Grand Ball Saturday, October 26, 2019 at
141 West 54th Street Cocktail hour starting at 7pm
Tickets: $425
Tickets and Sponsorships are now availble! Contact Chairman Mike MacGowan mikemac158@gmail.com 1175 York Avenue New York, NY 10065 212-319-8375 Fax: 212-702-0193
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D
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PRESIDENT: Francis P. McLoughLin (646) 525-5272 armorysuper@aol.com
MANhAttAN REsiDENt MANAgER’s Club, iNC. ORgANizED 1980 P.O. Box 1144 New York, NY 10021
VICE-PRESIDENT: Steve Mala 212-861-2073 Steve.Mala@yahoo.com TREASURER: Sevdet “Steve” KuKaJ (917) 339-7166 kukaj01@gmail.com
Our next meeting will be held on
Thursday, October 3rd at Colloney’s Pub & Restaurant located at 121 West 45th Street
FIN.SECRETARY:
The doors open at 6pm.
Dress code for this meeting is
Scot HudginS (516) 984-3311
jacket & tie professional.
417parkavenuerm@gmail.com ASSISTANTT FINANCIAL SECRETARY & SERGEANT-AT-ARMS:
CLUB NEWSLETTER
JoHn Szabo 914-672-50887 izirajders@verizon.net SECRETARY:
Louis Parrilla Publisher 917-750-4117 resmgr524@gmail.com
ben floreS 917-860-5811 benjieflores3@gmail.com
Brian Purovic
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.
TRUSTEES:
Dean Berishaj
Peter Guzman Business Manager 917-837-1390 pgu3911250@aol.com
Fabio Progni
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the resident’s essage
pm Francis P. McLoughlin President
2014 Resident Manager of the Year
Fellow members,
Welcome to the October 2019 Newsletter! What a month! September flew by in a flash. I want to thank everyone who donated prizes, took hole sponsorships and joined us for our Annual Golf Outing on September 23rd. Fun was had by all and again, thank you. I would like to thank Joanne Heenan from RTK Environmental for providing last month’s educational feature and I’m sure the raffle prize Joanne donated made few folks happy. Also, congratulations to the last 2 winners of the John Person Memorial Education Scholarships, Mr. Pat Reidy and Mr. Scott Hudgins. We still have some tickets available for the 25th Annual Three Hands Grand Ball. The event will be hosted at the Ziegfeld Ballroom located at 141 West 54th Street. This is a black-tie event! Contact Mike MacGowan for more information. The CLUB is trying to be more environmentally conscience and has moved the newsletter to a digital format which will be emailed to all. This is where I say if you have not received a copy, let us know; but if it’s sent electronically, how could you not? Please make sure we have your most up-to-date email address on file. The CLUB is always looking for input on how to better ourselves and we ask if you have any suggestions on how to improve any aspect of the CLUB, please contact me at Armorysuper@aol.com. We are here for the membership. Always remember to support all our Associate Members as they are the driving force that keeps our CLUB in existence. Most of our Associate Members take an ad in the monthly Newsletter; so when you’re in need of a contractor, vendor or supplies, please refer to the Newsletter for their services and/or products. For anyone that has not checked out our new CLUB web-site, please feel free to do so at www.MRMClub.com. It looks amazing! Also a reminder to all, the CLUB is also on Facebook, Twitter, LinkedIn and Instagram. These social media outlets are FREE to use and you should all be utilizing them every day for business and pleasure. Always be NETWORKING! Looking forward to seeing everyone on Thursday, October 3rd for our next meeting at Colloney’s Pub & Restaurant located at 121 West 45th Street in the heart of Times Square. Remember, the doors open at 6pm. Dress code for this meeting is jacket & tie professional. Fraternally yours,
Francis —5—
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Sickness, Distress and Happy Times The CLUB would like to wish a Happy Birthday to Regular Members Paul Anzelde, Dwayne Doucette and Tom Dowd and to Associate Member Amanda Haley of A+ Electric.
The CLUB would like to thank all of those who contributed and attended our Annual Golf Outing on September 24th. It is only with your generosity that we are able to award those 5 educational scholarships to the families of our Regular Members. We sincerely appreciate every single one of you. May your life be showered with endless happiness and may you find peace and mercy in your prayers. Blessed Yom Kippur! Yom Tov!
October 4th National Golf Day
October 24th UN Day
October 5th World Teachers Day
October 14th Columbus Day
October 25th Frankenstein Friday
October 27th Navy Day
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October 16th Bosses Day
October 31st Halloween
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the Value of grit In her book, "Grit: The Power of Passion and Perseverance," Angela Duckworth writes that talent and IQ matter, but without genuine effort, they're merely the promise of what's possible. Grit means completing a project in spite of obstacles. Since every project or work of passion presents obstacles, grit is the only thing that makes a project succeed. According to Duckworth, grit can be developed by cultivating interests, practice, purpose, and hope--and associating with people who are gritty themselves. Cultivating grit is the relentless discipline of trying to do things better, of blending your moments of deliberate practice to stretching outside your comfort zone. At the
same time, hope enables you to persevere when things get tough. By fostering the belief that your talent and abilities improve with practice, you're able to think more optimistically by testing the reasons behind setbacks and failures.
While grit can be advanced from within, having similar people around to whom you can turn for help and encouragement is critical to achieving
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what matters to you the most. In pursuit of their passion, people are often tempted to quit. That could be because they're bored or don't think a project is sufficiently important. Here's where perseverance should come in so that they press on. But what if they don't persevere? To get insight into your passion, ask these questions: What matters most to me? What would I rather be doing? What do I like to think about? Where does my mind wander? How do I spend my free time? What do I find unbearable? Grit: The Power of Passion and Perseverance Publisher: Scribner, an imprint of Simon & Schuster, Inc. Pages: 352
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Savvy tips for your trade show exhibit budget Here's how to keep your budget in control and maybe even save money on your trade show space. Space cost: According to trade show experts at Nimlok.com, the cost of exhibit space will consume about 25 to 35 percent of your budget. When apportioning the necessary space, carefully evaluate the number and composition of your attendees. Also, contact the event organizers about their cost per square foot. If they offer early registration, take it. You'll save money. Professional designers: Check out some professional exhibit designers in the area. In the long run, a savvy designer could save you money with plans that can reconfigure space, require fewer materials, and pack more efficiently. Confirm shipping cutoff dates with
the event manager. If you stay true to the shipping dates, you won't incur extra fees for late shipping. Drayage is the cost of the event's professionals who transport your exhibit from the warehouse to the booth space you've reserved. Their rates are usually based on weight. As a result, using such lightweight materials as
fabric graphics can save you still more money. Check installation and dismantle costs: Installation and dismantle teams (I&D)) set up your exhibit before the trade show and take it down afterward. Although smaller presentations may not require I&D, the more elaborate displays often do. This can be expensive. Get your designer involved with setup and teardown: Build an exhibit that meets your goals while streamlining setup and teardown time. Calculate return on investment: The Transportation and Marketing Sales Association offers numerous methods of calculating ROI. However, you can get a quick estimate of ROI by dividing the overall cost of the trade show by the number of quality leads it generated.
Wage and hourly lawsuits: Easy to file, devastating to lose As a small business owner, are you 100 percent sure you're paying employees correctly? Are you tracking their hours accurately? Are those you've classified as exempt really doing the work that qualifies them for it? If not, take a sharp eye to your payment system very soon. In the last few years, numerous small businesses have been hit by lawsuits citing them for underpaying or misclassifying employees, failure to pay required wages, and sufficient overtime. And the smaller the company, the higher the risk. Also, the threat to unprepared employers will increase early next year when a rule proposed by the U.S. Department of Labor takes effect. In its current form, the law would make an estimated one million more workers eligible for overtime pay. Any vulnerabilities in a business' payment system are red meat for plaintiff
lawyers who appear to be getting more successful in their pursuits. They won 79 percent of 273 wage-and-hour certification decisions in 2018, an increase of six percent over the previous year. Companies also absorbed a decrease of 11 percent in their odds of defeating
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cases with successful decertification motions. Even more foreboding is the lone discontented employee who could hire a plaintiff attorney who then could parlay the case into a class-action lawsuit that would be very expensive for any company to fight. According to the Society for Human Resource Management, wage and hour disputes are cash cows for plaintiff attorneys: Their fees are easier to obtain than in other forms of commercial litigation. To protect your business--and ultimately you and your family--make sure that all your workers (contractors, staff, overtime-exempt, and non-exempt) are classified correctly, and that they are being paid according to federal and state laws. Also, seriously consider proposing an arbitration agreement with your employees that includes a class-action waiver.
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Entrepreneur
Michael Rubin: Bankrupt at 16, Millionaire at 21, Billionaire at 38 At the age of 16, Michael Rubin said there are only two kinds of businesspeople: Those who take risks, and those who are rational. What was he? At 16, is it risky to own a snow-ski business in Pennsylvania's sweltering summers while owing creditors more than $200,000? At 21, is it rational to own a business worth $1 million, and $50 million a couple of years later? According to Rubin, being $200,000 in debt was "a near-to-death" encounter. Somehow, someway, he managed to pacify his creditors with the $37,000 he borrowed from his father. Then, honoring his Dad's terms of the deal, he enrolled in college. Six weeks later, he dropped out of Villanova University. Too boring, he said, answering the calls of his businesses. Working smart had inspired Rubin since he was a kid. At the age of eight, according to Enrepreneur.com, he was walking door-to-door selling vegetable seeds to his
Community banking makes towns flourish
In this day of mergers, acquisitions, and massively large corporations, it may seem slightly surprising that community banks still flourish in the face of big competition. But community banks are seen as critical to the country’s economy and serve an important role. In fact, The Federal Reserve System acknowledged the importance of community banks when it started publishing Community Banking Connections. It defines community banks as those with less than $10 billion in total assets. Community banks are typically more agile and flexible in their lending because they understand their community and customers on a more intimate level. And a lot of the U.S. economy flows through them. According to The Independent Community Bankers of America, community banks:
West Philadelphia neighbors. At 12, he'd opened Mike's Ski Shop in the basement of his parents' home. At 14, he was operating a chain of ski shops, businesses, and a discount ski equipment retail shop (hence, the debt). At 19, he had merged his burgeoning ski business, KPR Sports (named with his parents' initials), with then publiclytraded athletic shoe company Ryka to form Global Sports Inc. (later GSI Commerce). At 26, GSI was generating more than $130 million a year. At 38, Rubin had sold GSI Commerce to eBay for $2.4 billion. Rubin then bought and merged Fanatics (a licensed apparel retailer), Rue La La (a fashion flash site seller), and Shop Runner (a retail benefits program) and molded them into Kynetic, a billion-dollar e-commerce company. Rubin is 47 now, and according to Forbes, his net worth is $3 billion.
How did the rate cut affect consumers?
In late July, The Federal Reserve cut rates for the first time since 2008 when it announced a quarter-point cut in interest rates. The rate cut directly impacts banks and other financial institutions who use short-term borrowing, but it also affects consumers. At its core, the cut is intended to make loans and funding accessible. For those who invest in CDs and the like, a cut means a little lower return. The average rate on a 30-year mortgage fell to 3.75 percent, down from a high of almost 5 percent in 2018. According to The New York Times, the rate on the average five-year loan for a new car was just under 4.75 percent. All in all, a modest rate cut does not impact the average consumer’s daily life or pocketbook. But the idea is that a rate cut could hold off a recession and layoffs.
* Comprise 99 percent of all banks * Provide more than 60 percent of all small business loans * Make more than 80 percent of agricultural loans * Have more than 50,000 locations nationwide * Employ nearly 750,000 people
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Withdrawing money in retirement If you're someone who has been socking money away throughout your career, seeding a variety of retirement accounts, you'll enter retirement with a lot of choice -- and decisions. One of those decisions will be which investment to dip into first. According to investment experts, the traditional approach involves withdrawing from individual accounts in a certain order, namely: taxable accounts, then tax deferred accounts, and finally Roth accounts (which have tax free withdrawals). This allows taxdeferred assets to grow longer and faster. Fidelity Investments suggests that those with multiple retirement savings accounts and relatively even retire-
HOW TO TREAT MINOR CUTS
ment income consider proportional withdrawals. An investor would withdraw from each account based on that account's percentage of their overall savings. That could help stabilize your tax bill over retirement and potentially result in lower lifetime taxes and higher lifetime after-tax income. Another variable when deciding in which order to withdraw retirement funds is whether you intend to pass any investments down to your heirs. In that case, you should understand the notion of a step-up. A step-up occurs when your original investment has appreciated, and upon your death, your heirs inherit the cost basis of the investment's value at the date of your death.
However, this applies only to investments in taxable accounts and not to those in IRAs, Roth IRAs, or 401(k) plans which puts the withdrawal scenario at play once again (if at all; perhaps you have no plans to tap into certain investments). As always, consult with a financial professional. Investment decisions can quickly get complicated, and each individual's circumstance is unique.
Who hasn't gotten a paper cut and immediately put the injured digit in the mouth? If we have a choice, we really shouldn't do that. Running tap water or sterile solution is much better for minor cuts and lessens the risk of infection. In fact, saliva is full of bacteria and it isn't the best way to bathe a wound, according to Robert Glatter, MD, emergency physician at Lenox Hill Hospital in New York. If camping, try to avoid washing a wound in rivers or streams, where you risk a chance of, not only bacterial infection, but parasitic infection, too. Best practice: Irrigate the wound with clean water. Use pressure to stop bleeding.
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Severe allergic reaction People with known severe allergies should always carry epinephrine -- and use it promptly if exposed to an allergen, according to a study in the Journal of Asthma and Allergy. Never give Benadryl, which takes a minimum of 30 minutes to work. Never hesitate to use epinephrine, which is the only effective treatment for anaphylaxis. Swelling of the lips and eyes, shortness of breath, and developing rash or hives signal the need for immediate epinephrine. Call 911 immediately if no epinephrine is available.
No butter for a burn Minor burns are not helped by applying toothpaste or any kind of butter. These remedies actually trap heat in the burn. Instead, use cool water -- not ice -- to cool off the area. Run cool water over the burn for several minutes.
Make it easy for the EMTs Any time you have to call for emergency help, do what you can to meet the EMTs or at least be in an accessible position. Go outside immediately: In a public place, a restaurant or at home, get outside if you can. If the EMTs have to fight off a barking dog in your home, for example, this only delays treatment.
Fire Prevention Week: Oct. 6 - 12, 2019 Plan and practice your escape from fire More than a third of heads of households estimated they would have at least six minutes to escape a fire. Not so, according to The National Fire Protection Association (NFPA). The time is often much less and survival may depend on your decision to get out of the building immediately. NFPA suggests the following when making an escape plan for your family: * Have two ways out of every room in your house. * Establish a place outside for members of the family to meet. * Make sure windows open easily for a possible escape
route. * Practice and establish that children can unlock doors and can open doors and windows with ease. * Teach children how to escape if you can't help. Teach them not to delay. * Test smoke alarms regularly and change the batteries at least once a year.
Get flu vaccine now Cases of flu tend to increase as temperatures decrease. According to the CDC, people should get their flu shots as soon as they are available. Most 2019-2020 shots have been available since August. Most flu outbreaks happen in February and March. The influenza vaccine takes two weeks to incubate and build antibodies. When it does kick in, the vaccine will last six months. The young, elderly, and people with health problems should get the vaccine immediately.
Eggs get a better rep Eating eggs was once thought to be as bad as smoking cigarettes. But a new study debunks that idea. A study published in the journal Heart, says eating a whole egg per day may actually lower your chance of developing cardiovascular disease. Researchers found a 26 percent decrease in the risk of hemorrhagic stroke, a 28 percent decrease in hemorrhagic stroke death, an 18 percent decrease in death resulting from cardiovascular disease, and a 12 percent decrease in ischemic heart disease.
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99 Lakeville Road, New Hyde Park, NY 11040
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RESIDENT MANAGER
OF THE YEAR 2019
MaNHaTTaN ResiDeNT MaNaGeR’s ClUB, iNC. is pROUD TO Have seleCTeD
SEvDET “STEvE” KuKAj Resident Manager of the Year 2019 With gratitude & appreciation for the years of dedication and service to the CLUB — 20 —
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RECIPIENT OF THE WILLIAM KEY AWARD 2019
MaNHaTTaN ResiDeNT MaNaGeR’s ClUB, iNC. is pROUD TO Have seleCTeD
JIM SIMPSON
Northeast Plumbing Specialties
Associate Member of the Year 2019 In recognition of many years of support & friendship you have show to the CLUB — 21 —
Halloween costumes get stranger
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Besides timeless classic Halloween costumes -- witches, monsters, and the like, it's fun to see what's trending in any given year. With that in mind, here are some ideas sure to pop up in 2019: * Anything Stranger Things-related. The hit Netflix show has a suitably horrifying monster (the demogorgon) and a fun cast of characters. Undoubtedly, you'll see Scoops Ahoy outfits, Slurpee-sipping scientists, fertilizer-nibbling
grandmas, and Jazzercise outfits. * Forky from Toy Story 4, the newest character in the series. * Anything from Game of Thrones. * Throwbacks-that-aren'tthrowbacks. This was the year for remakes of The Lion King and Aladdin, Mary Poppins Returns, Detective Pikachu, and an Elton John movie, among others. * Baby Shark: Doo doo doo doo doo doo. * Avengers Endgame or Captain America characters.
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TRAVEL BAG In the event of an emergency
If the cabin in an airplane loses pressure, and if the oxygen masks do drop down, will it do you any good? Yes, it could help for about 12 minutes. That is the amount of oxygen in the mask, according to Bobby Laurie, a flight attendant who is now host of the show The Jet Set. Fortunately, if the plane actually is going to recover, the pilot should be able to get the plane down to a breathable altitude in that time. If you are going to survive, you must get that mask on because otherwise you would lose consciousness within 45 seconds and die in minutes.
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The evolution of
Columbus Day Almost from the first day it was observed, the Columbus Day holiday has evolved. The first Columbus Day observation took place in 1792, a celebration in New York City by the Society of St. Tammany. Columbus was a native Italian and by the latter half of the 19th century, the day was being celebrated by cities with large numbers of Italians, according to Britannica. On the 400th anniversary, in 1892, President Benjamin Harrison officially recognized the day with a proclamation encouraging Americans to celebrate the diversity of America through the lens of the 400th anniversary of Columbus' journey across the Atlantic. And in 1934, President Franklin Roosevelt declared Columbus Day a federal holiday. It has been observed on the second Monday of October since 1971. Or not observed. Or observed in a modified way. As far back as the latter half of the 19th century, there were objections. Early groups rejected the holiday because
of its association with Catholicism. More recently, objections have focused on the colonization of South America. Today the holiday is a topic of much discussion, some of it heated, and its observation continues to evolve, with a number of alternatives now the norm. In some areas, it has become more of a celebration of Italian-American heritage. In others, it is a celebration of Native Americans. The states of South Dakota, Hawaii, Alaska, and Oregon have replaced Columbus Day with Indigenous Peoples Day. Some cities have done the same.
3 ways to increase the lifespan of your refrigerator Some simple maintenance chores will make your refrigerator last. 1. Wipe down the inside and outside of the door edges. Debris can break down the sealing gasket. 2. Keep the defrost drain clean and debris free. 3. Clean the coils every year. If you don't, the compressor will work harder, use more energy, and likely shorten the life of the fridge. — 24 —
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Horoscopes
ARIES 3/21 - 4/19: You hit a stumbling block at work, but don't let stop you from completing an assignment or project. Someone offers information that can be helpful. TAURUS 4/20 - 5/20: Working at your own pace is always best, but some Taureans find they are under extra pressure this month. Meet deadlines, but stay mindful. Don't let errors creep into your work.
GEMINI 5/21 - 6/20: Selecting a partner will be one of the most defining aspects of your journey. It might not be a life partner. It could be a partner on a project. Before you choose, think carefully.
CANCER 6/21 - 7/22: You are like Christopher Columbus this month! A discovery awaits by mid-month. You'll explore new territory. Stay open to new experiences.
LEO 7/23 - 8/22: Hey, Lion, nobody lives in a vacuum. Let someone in. At work, know that you are going in the right direction. Stay on the pathway and you'll achieve your goals.
VIRGO 8/23 - 9/22: Virgo, always so practical. Strange and fascinating that a tug of war starts between dreams and practicalities. Maybe it is time to see where dreams take you?
LIBRA 9/23 - 10/21: Make a place for thinking and peace this month. You need sanctuary to sort out your thoughts as you consider how the worst thing might not be as bad as you thought.
SCORPIO 10/22 - 11/21: It would be so easy right now to throw caution to the wind, but listen to your more practical side. You'll feel better in days to come when you know you acted wisely.
SAGITTARIUS 11/22 - 12/21: Give family members plenty of space this month as you all focus on goals. You have a chance to contribute to a project that brings satisfaction, if not money.
CAPRICORN 12/22 - 1/19: Flexibility is the key this month. Expect new twists and turns in your life or work. You will handle them with ease.
AQUARIUS 1/20 - 2/18: Consider whether it is time to make economies. Can you live slightly under your means? If so, you'll be able to handle any emergencies in the future. Smooth sailing now, but plan ahead.
PISCES 2/19 - 3/20: One kindness starts a ripple with far-reaching effects. Welcome the chance to lend a hand. Draw a line between doing it all, and just helping out.
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Deer collision information West Virginia has held the crown for the most deer-car collisions for 12 years and it still tops the list of most dangerous states, according to the 2018 State Farm deer collision statistics. Deer-car collisions double in the fall. November is the worst followed by October and December. Remember if you see one deer, more are around. Brake if you can and avoid swerving, which can end up in a crash. Slow down when you see deer crossing signs and remember the deer might not obey the signs!
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No dots at the end of sentences?
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Sentences end with dots, but should you end your texts that way? According to researchers at Binghamton University, short exchanges in texts that ended with a dot were perceived to be insincere. In their experiment, researchers show participants short text invitations followed by a one-word response, such as Yup, Sure or Okay. Some responses ended with a period, some didn't. They found that in text messages, the responses that ended with a dot were rated as less sincere than those with no punctuation. But an exclamation mark can make your message seem more sincere.
Stop Google Calendar spam As you review your Google Calendar, you suddenly notice that -- surprise -- you have won a free iPhone X. Naturally, you know nothing is free and who knows what is at the end of this 'calendar invitation.' This is what Security expert Graham Cluley calls a scammer desperation move: Calendar invitations. You can stop them. Go to the gear icon the top right of your calendar screen. Choose settings. From the drop down menu select Event Settings.
Study finds link between certain drugs and dementia A study in England has shown an apparent link between anticholinergic drugs and dementia. An anticholinergic drug blocks the action of the neurotransmitter acetylcholine at synapses in the central and the peripheral nervous system, according to Health Line. Among the more recognizable names: Clozapine (antipsychotic); darifenacin (bladder); scopolamine (anti-nausea); ipratropium (bronchodilator), and some antihistamines such as diphenhyrdramine (Benadryl). The study showed that people who took these drugs for three years or more were at a 54 percent greater risk for dementia than someone who takes the medications for three months or less. The association was strongest for antidepressants, bladder drugs, antipsychotics, and epilepsy medications. The study did not prove the association, only suggested the possibility. Researchers looked at a database of people and did not conduct a direct study on humans.
Most rude places to use a phone The number one most annoying place to pull out a phone is in a dark theater. That was one of the findings in a Trends in Consumer Mobility Report from Bank of America. Church was second. Restaurants were third. The survey also found that one-third of people check their phones in the middle of a conversation. About four in 10 people text during a meal.
Change the Automatically Add Invitations setting to: No, only show invitations to which I have responded. Now when someone emails an invitation, you have to respond and then the invitation will be added to your calendar.
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Leif Erikson: His discovery had potential Christopher Columbus thought he hit gold and was wrong. Leif Erikson did hit gold (at least in the metaphoric sense) and didn't notice. Leif Erikson's renewed popularity as an early explorer (and warrior) in North America might just rest on the fact that he landed in the New World and didn't care. He and his warriors hunted, fished, cut down trees, and warred with the locals. But, they weren't into plundering wilderness. They preferred cities. By one account, Erikson (thought to be born about 970 AD, the son of Erik the Red) was bound for Greenland from Norway to convert the locals to Christianity when he was blown off course. He probably landed in modern Newfoundland more than 400 years before Christopher Columbus landed in the Caribbean. By another account, Erikson was aiming for North America where he res-
cued two unnamed Europeans who were shipwrecked there. So, Erikson may not have been the first European to see North America, nor the first to land, but he might have been the first explorer. Later, the Norsemen sailed to the
area for at least a decade, taking timber, grapevines, and fish, and having the usual wars with the locals. But, after his landfall in North America, Erikson returned permanently to the viking settlement in Greenland, perhaps preferring a settlement to the wilderness.
RENOVATION SERVICES Whether you are planning a small refresh or a total renova on, you can trust UMS to provide expert assistance from start to nish.
INSTALLATION SERVICES What began as a humble kitchen le company in 2006, United Maintenance Supplies quickly grew and expanded to carry a full line of property management products from janitorial, electrical and hardware, to plumbing, paint, and ligh ng supplies. Our company caters to a wide range of needs and serves a mul tude of industries such as housing complexes, co-ops, condos, schools, nursing homes, hotels, hospitals, commercial businesses and government housing. We also specialize in custom orders to accommodate our customers speci c needs.
For more information, contact Drita Lamaj P. 718-522-3232 C. 917-299-5106 E. drita@umsupplies.com orders@umsupplies.com
In select markets, we provide contrac ng and labor services for all your interior renova ons, as well as cabinet and counter installa ons, ooring, ligh ng, and much more.
PROJECT MANAGEMENT UMS knows what it takes to get your projects done on me and within budget. We can help guide you along every step of the way.
PRODUCT DELIVERY You want it, you need it, and we have it. Our dispatched and insured eet of trucks will have your order at your door-guaranteed. Have an emergency due to leaks, viola ons, res, etc.? Give us a call and we will rush your order for same day delivery.
• Garbage Bags/ Janitorial • Hardware
• Kitchen Cabinets/ Installa on
• Ligh ng • Electrical • Tile
• Paint • Plumbing • Lumber www.umsupplies.com
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The hidden
How to fix a scratch
chewing gum
appliance
benefits of
Let's get this out of the way: Chewing gum in public or on the telephone is rude. Really rude. Don't do it.
But in private? Well there might be some benefits, especially if you choose sugar-free gum. A new study shows that chewing gum can help people stay focused longer on tasks that require steady monitoring. It can also improve concentration in visual memory tasks. A Cardiff university study, published in the British journal of Psychology, found that gum chewers had quicker reaction times, more accurate results, and longer concentration. In 2009, researchers found that gum increased blood flow to the brain, which may be the reason for increased alertness in gum chewers. Sugary gum is bad for the teeth, but sugar-free varieties can help limit plaque buildup and clean teeth, if you absolutely can't brush, researchers said.
on your stainless steel
You can actually fix scratches on stainless steel appliances, but it must be done carefully. Before you do anything, make absolutely sure your appliance is stainless steel and is not simulated or made of finger-
print-resistant clear coat. If you try taking out a scratch on these products, you will ruin the surface. Next, take a very close look at the stainless steel surface to find the grain. You will be working with the grain and not against it. According to Family Handyman, you'll need a very fine grit sandpaper, in the 400 to 600 grit range, a sanding block, and rubbing compound. * Squeeze some sanding fluid onto the sandpaper and, starting somewhere inconspicuous, sand the scratched area until it disappears; move up to the next coarsest grit if needed. Then sand the rest of the panel until it blends in. * Always sand with the grain and not against it. * Apply a stainless steel cleaner or polish.
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Buy apples in October
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October and November are the best times to buy apples because the fruit you buy then is the freshest you'll get all year. According to the US Department of Agriculture, apples are harvested from August to November and shipped to markets. But some of the harvest cools it in special storage facilities designed to keep the apples fresh, beautiful, and tasty. Nonetheless, an apple you buy in July is likely 10 to 11 months old.
The cost of Trick-or-Treat in calories
You might have wondered, but maybe you just didn't want to really know. Don't avert your eyes. Here is one mom's calculation of what her daughter hauled home after trick-or-treating. According to Anna Fader of Mommy Poppins, her little gumball machine daughter brought home a bag of about 80 separate candies. That candy added up to a total calorie count of 7,238. Kids are resilient, of course. But they would have to walk for 44 hours to burn off those extra calories.
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“QUOTES 2 LIVE BY”
Whoever is careless with the truth in small matters cannot be trusted with important matters. - Albert Einstein
We learned about honesty and integrity - that the truth matters...that you don't take shortcuts or play by your own set of rules...and success doesn't count unless you earn it fair and square. - Michelle Obama
The truth is incontrovertible. Malice may attack it, ignorance may deride it, but in the end, there it is. - Winston Churchill I am a firm believer in the people. If given the truth, they can be depended upon to meet any national crisis. The great point is to bring them the real facts. - Abraham Lincoln
For every good reason there is to lie, there is a better reason to tell the truth. - Bo Bennett
How did the rate cut affect mortgages?
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“QUOTES 2 LIVE BY”
To love our neighbor as ourselves is such a truth for regulating human society, that by that alone one might determine all the cases in social morality. - John Locke
Every Christian must be convinced of his fundamental and vital duty of bearing witness to the truth in which he believes and the grace that has transformed him. - Pope John XXIII Free expression is the base of human rights, the root of human nature and the mother of truth. To kill free speech is to insult human rights, to stifle human nature and to suppress truth. - Liu Xiaobo
See More from ismer mjeku
Technically, The Fed's decision in july to lower interest rates by a quarter-point doesn't directly affect mortgages. In reality, there are usually some things to keep in mind with any rate decrease or increase. The Federal Funds rate is a measure of short-term borrowing, or the rate that banks use to lend money to each other. Mortgages are long-term notes. If you have an adjustable-rate mortgage, you'll probably see your interest rate go down when there's a cut. To put that in perspective, a Bankrate article said that a HELOC (home equity line of credit) of $100,000 rises or falls about $250 a year with every
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change of 0.25 percent in interest rate, up or down. That works out to about $21 a month. Additionally, variable-rate mortgages usually adjust annually, on their anniversary dates, and some don't adjust at all for the first two to seven years. However, this could be a good time to refinance into a fixed-rate mortgage and lock in the historically low rates. The average rate on a 30-year mortgage fell to 3.75 percent, down from a high of almost 5 percent in 2018. Do a little math to figure out your savings over time, as well as closing costs, to determine whether this is a good move for you.
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Visit our Web Site at: www.mrmclub.com
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Top 10 Reasons to Join the MRM Club! 10. Extra Curricular: applications/resumes!
Looks
great
on
employment
9. Networking: You will have the opportunity to meet and network with the BEST of the BEST in their field at our regular meetings on the 1st Thursday of each month.
8. Promote Awareness: The CLUB helps promote education and awareness about the NYC residential real estate market.
7. Life Insurance: Being a Regular Member of the CLUB affords you a personal life insurance policy in the amount of $150,000.00
6. Philanthropic: The CLUB participates and raises money for a number of local and national charities giving back to the community and those most in need.
5. Brotherhood: Being a member automatically gives you a feeling of closeness to other members. You share something that other people are not a part of and really can’t relate to.
4. Enrichment: Being part of a professionally ran Club or Organization is an en- riching experience. You owe it to yourself to at least try them out.
vISIT uS ON THE WEB!
3. Exposure: The CLUB will expose you to real life every day experiences you and your peers regularly share and have in common . 2. Growth: Members in Clubs/Organizations are encouraging and supportive of your personal growth. We all have a vested interest in each other.
1. Social: They are a BEST way to meet great people and have a lot of fun! With numerous events happening throughout the year; separate from our monthly meetings, it is impossible to not have some FUN!
WWW.MRMCLuB.COM
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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
MANhAttAN REsiDENt MANAgER’s Club, iNC.
Founded 1980
Mail TO:
june 3rd TO PLACE AN AD IN THE NEXT NESWSLETTER PLEASE CALL Louis Parrilla 524 East 72nd Street • New York, NY 10021 • 917-750-4117 • resmgr524@gmail.com