Syed Rizvi, proprietor of Ice Cream on Grand and well-known philanthropist, is always willing to offer a helping hand to those in need, and does so with an infectious smile. Yet Mr. Rizvi’s life was not always a happy one. After receiving bad
How to Have “Happy Accidents” – On Purpose (Part 2)
Probability ≠ (does not equal) Inevitability: The False Premise of Many “Planning” Paradigms
The idea that financial success is often achieved by preparing for opportunities that cannot be seen in advance can create psychological tension. Most of us like certainty and the sense of control that comes with it. The idea of planning for things that may or
Apartment Hunting in Israel on Chol Hamoed
A client wanted to go apartment hunting in Jerusalem during Chol Hamoed, but was unsure whether according to halacha (Jewish law) he could do so. I told him to ask his local rabbi as I am not fit to make that decision for him. As this question comes up often, I decided to devote this article to reviewing some of the issues.
The major question is whether one is
Navigating the Manhattan Real Estate Market: Part 3
In the previous two segments, we reviewed the basics of purchasing a co-op and condo apartment. Now it’s time to evaluate the pros and cons so that when the time comes to purchase in Manhattan, you know which property type is right for you and your family.
If you or your loved ones are planning to occupy the apartment, it makes a lot of sense for
Extra Principal Payments
Mortgage rates have stayed low far longer than most experts expected, and could just stay this way for a while. Does it make sense, then, for homeowners to make extra principal payments?
A prepayment is a payment above what’s required for a given month. It reduces the principal, or loan balance. Owing less, the homeowner is then charged less for interest.
The Job Market in 2014: Part II
One of the aspects of what I do in life is to interact with real people in the Jewish community who are seeking employment. I work with employers and recruiters to find out about jobs and hiring trends. They give me feedback on my referrals and provide their observations as to expectations of organizations and hiring managers.
In the last five years, since the
Navigating the Manhattan Real Estate Market
Condominium apartments differ from co-ops in that condos are real property. When purchasing a condo, the purchaser is given an actual deed to the property purchased, much like purchasing a home in the suburbs. Since condo owners own real property rather than shares of stock in a co-op building, each condo unit receives a separate tax bill
Student Loans and Your Mortgage Application
In order to qualify for a mortgage, a loan officer has to identify the borrower’s current monthly debts and add that to the proposed payment to figure out what the DTI or debt-to-income ratio is. The first step is to run a credit report which tells the bank about all debts they need to be concerned with. Aside from other home loans borrowers might have,
How to Have “Happy Accidents” On Purpose
Was Bill Gates well-prepared or just lucky? (Yes.)
When it comes to money, did you ever notice how some people seem to be in the right place at the right time? Is it random chance, or is there a secret to their success?
If you asked a few of these individuals about their good fortune, some might say they’re just lucky. Others (particularly those with
The Job Market in 2014
I am by no means a Navi, but I am a human resources professional and I do quite a bit of reading about what’s happening in the job market. I am in regular contact with employers and recruiters. I also speak to professionals in various fields.
What I have learned is that the job market is continually evolving. In 2014, occupations and
Reading, Writing and Arithmetic for Noncitizens
The F-1 Academic Student Visa allows students to enter the United States to attend a full-time program of study at an accredited college, university, seminary, conservatory, academic high school, elementary school or other academic institution or in a language training program. The student must be enrolled in a program or course of study that culminates in a degree,
Acheinu Kiruv Conference in Israel: How to Cultivate Mesikus HaTorah
Mesikus HaTorah! How does one taste the sweetness of Torah learning? How can parents and educators inculcate children and teens with true enjoyment from learning Torah? How can we transmit the ideal that preforming mitzvos is pleasurable, fills one’s life with meaning and joy?
That is the planned theme of Acheinu’s annual Kiruv Conference