Author: barthorowitz

The Truth About Staten Island: Exec Pens Potent Formula For Success

  Insurance professional’s self-help book inspires readers to reclaim youthful enthusiasm  STATEN ISLAND, N.Y.  – A Staten Island-based businessman has rediscovered the antidote for failure: Enthusiasm. Accomplished entrepreneur and author John Paul Carinci teaches readers the tenets of success in his second self-help book, “An All-Consuming Desire To Succeed.”  “There is real magic in enthusiasm,” said John Paul Carinci, accomplished author and longtime insurance industry entrepreneur. “It can help you accomplish greatness and enjoy a deeper, richer and more meaningful life.” For many, however, enthusiasm can be allusive, sadly blocking life’s path to happiness and success. In his second self-help book, “An All-Consuming Desire To Succeed” (Morgan James Publishing; 2011),  the owner of the Carinci Insurance Agency, Eltingville, reveals that enthusiasm is obtainable, and provides an encouraging solution for disposing of emotional shackles that hold many people back.  LIFE CHANGER FOR UNDER A DOLLAR  Beginning Feb. 1, the Kindle version of the book is being offered for a limited time on amazon.com for only 99 cents. Whether a reader opts for the Kindle or soft-cover edition of  “An All-Consuming Desire To Succeed,” the results are identical: The author succeeds in helping readers overcome negative thoughts, rediscover their childlike enthusiasm, and ultimately achieve a richer life. With more than 30 years of research to his credit, Carinci has found the keys to success; and others are taking notice. Weighing in...

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Is It Time for Young Families to Buy a Home?

We have reported that almost six million adults between the ages of 25 to 34 are currently living with their parents. That number reflects an almost 50% increase since 2003. These young adults are now being advised to jump into homeownership. Who are the people selling them on the American Dream? Their parents! It seems that parents of some adult children are strongly suggesting that their children take advantage of the low cost of homeownership available today. Some moms and dads are helping financially and are even co-signing for the mortgage. Middle age parents who have owned a home understand its true value. A home has always been a good long term financial investment. However, homeownership also has many other benefits. In Fannie Mae’s most recent National Housing Survey, they asked the question directly: Is this a major reason to buy a home? The study broke up the answers into financial and non-financial reasons. The top four reasons and six of the top ten reasons were NON-FINANCIAL. The top four are below: It means having a good place to raise children and provide a good education. You have a physical structure where you and your family feel safe. It allows you to have more space for your family. It gives you control over what you do with your living space (renovations & updates).  Should this surprise us? Aren’t these the...

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The Truth About Staten Island: This Is Where The Five Boro Bike Tour Concludes With A Celebration

STATEN ISLAND, N.Y. — If you enjoy riding a bike, some locals believe there’s no better place than Staten Island. With its beautiful coastline and majestic hills, Island cyclists remain fit while glancing at magnificent panoramas. The borough also holds the finish line of the annual TD Five Boro Bike Tour, which will hit the streets of NYC on May 6.  The Staten Island Board of Realtors wants you to know that registration for the 2012 TD Five Boro Bike Tour is open. Every year, the fantastic ride features 40-miles of car-free NYC streets. Be a part of the biggest cycling event in the nation! This year, you can enter a lottery for a spot in the Tour, or join a charity team for a guaranteed spot. The Safe Streets Fund is an official charity partner. Join the team and help promote cycling in NYC. About The Staten Island Board of REALTORS® (SIBOR) The Staten Island Board of REALTORS® (SIBOR) is the largest not-for-profit trade association in Staten Island, N.Y. SIBOR exists to enhance the ability and opportunity of its members to conduct their business successfully and ethically; and to promote the preservation of the public’s right to own, transfer and use real property. Comprised of over 1,600 members, SIBOR serves real estate agents, brokers and affiliated professionals throughout the borough and surrounding areas.  SIBOR is the provider of the Staten...

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President Obama Unveils Plan To Heal Housing Market

In his State of the Union address on Jan. 24, President Obama laid out a Blueprint for an America Built to Last, calling for action to help responsible borrowers and support a housing market recovery.     Some Key Aspects of the President’s Plan Are: • Broad Based Refinancing to Help Responsible Borrowers Save an Average of $3,000 per Year: The President’s plan will provide borrowers who are current on their payments with an opportunity to refinance and take advantage of historically low interest rates, cutting through the red tape that prevents these borrowers from saving hundreds of dollars a month and thousands of dollars a year. This plan, which is paid for by a financial fee so that it does not add a dime to the deficit, will: Provide access to refinancing for all non-GSE borrowers who are current on their payments and meet a set of simple criteria. Streamline the refinancing process for all GSE borrowers who are current on their loans. Give borrowers the chance to rebuild equity through refinancing. • Homeowner Bill of Rights: The President is putting forward a single set of standards to make sure borrowers and lenders play by the same rules, including: Access to a simple mortgage disclosure form, so borrowers understand the loans they are taking out. Full disclosure of fees and penalties. Guidelines to prevent conflicts of interest that...

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National Mortgage News: Consumer Credit Needs New Thinking

STATEN ISLAND, N.Y. — According to a recent article in National Mortgage News, the Internet age has redefined how credit worthiness should be addressed. The article’s message is clear: “Lenders stop making reasonable loans when they lose confidence in their ability to predict losses.” The article continues to say: “The mortgage industry especially is facing the uncomfortable reality that traditional models and metrics, like credit bureau scores, are far less relevant in an economy dealing with job loss, income instability and negative home equity. For example, an emergency room nurse in Dallas with a credit score of 660 is a better mortgage credit risk than a construction foreman in Naples, Fla., with a credit score of 740. The nurse will be better able to sustain income in a high demand profession, working in a stable local economy where property values are still largely unaffected by the housing collapse.” READ ENTIRE ARTICLE … About The Staten Island Board of REALTORS® (SIBOR) The Staten Island Board of REALTORS® (SIBOR) is the largest not-for-profit trade association in Staten Island, N.Y. SIBOR exists to enhance the ability and opportunity of its members to conduct their business successfully and ethically; and to promote the preservation of the public’s right to own, transfer and use real property. Comprised of over 1,600 members, SIBOR serves real estate agents, brokers and affiliated professionals throughout the borough and surrounding...

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