Thursday, December 31, 2009
Saturday, December 19, 2009
From childhood, Bob was different and never seemed to fit in. Bob did complete college, married his loving wife and was grateful to get his job as a copywriter at Montgomery Ward during the Great Depression. Then he was blessed with his little girl. But it was all short-lived. Evelyn's bout with cancer stripped them of all their savings and now Bob and his daughter were forced to live in a two-room apartment in the Chicago slums. Evelyn died just days before Christmas in 1938. Bob struggled to give hope to his child, for whom he couldn't even afford to buy a Christmas gift. But if he couldn't buy a gift, he was determined a make one - a storybook!
Bob had created an animal character in his own mind and told the animal's story to little Barbara to give her comfort and hope. Again and again Bob told the story, embellishing it more with each telling. Who was the character? What was the story all about? The story Bob May created was his own autobiography in fable form. The character he created was a misfit outcast like he was. The name of the character? A little reindeer named Rudolph, with a big shiny nose.
Bob finished the book just in time to give it to his little girl on Christmas Day. But the story doesn't end there. The general manager of Montgomery Ward caught wind of the little storybook and offered Bob May a nominal fee to purchase the rights to print the book. Wards went on to print Rudolph the Red-Nosed Reindeer and distribute it to children visiting Santa Claus in their stores. By 1946 Wards had printed and distributed more than six million copies of Rudolph. That same year, a major publisher wanted to purchase the rights from Wards to print an updated version of the book. In an unprecedented gesture of kindness, the CEO of Wards returned all rights back to Bob May. The book became a best seller. Many toy and marketing deals followed and Bob May, now remarried with a growing family, became wealthy from the story he created to comfort his grieving daughter.
But the story doesn't end there either. Bob's brother-in-law, Johnny Marks, made a song adaptation to Rudolph. Though the song was turned down by such popular vocalists as Bing Crosby and Dinah Shore , it was recorded by the singing cowboy, Gene Autry. "Rudolph the Red-Nosed Reindeer" was released in 1949 and became a phenomenal success, selling more records than any other Christmas song, with the exception of "White Christmas." The gift of love that Bob May created for his daughter so long ago kept on returning to bless him again and again. And Bob May learned the lesson, just like his dear friend Rudolph, that being different isn't so bad. In fact, being different can be a blessing!
Friday, December 11, 2009
Monday, December 07, 2009
Visit the Panther Ridge Conservation Center in Wellington to see the lifetime home for abandoned, abused or unwanted captive, exotic felines. Here you can learn about the challenges these animals face in the wild, medical care, nutrition and the problems related to private ownership. The animals roam within a 3-acre pen.
The Center is located at 14755 Palm Beach Point Boulevard in Wellington, FL 33414 - Phone: 561-795-8914. Group and Individual Tours can be arranged.
The Center survives as a non-profit organization thanks to contributions from corporations, individual patrons and veterinary facilities.
Come on over on December 13th for hors d’oeuvres, entertainment, raffle prizes and take a photo with a baby jaguar at their fund raising event from 12-3 pm at LoLa Restaurant and Ultria Lounge, 16950 Jog Road, Delray Beach. 561-496-5652.
Monday, November 30, 2009
Robb & Stucky in Boca Raton will present ideas for anyone thinking of selling their residence on December 29th at 2 pm. Learn how to “prep” your home for a faster sale, and how you can make your property stand out from others on the market. It could make the difference in this highly competitive market as to whether the house sells or not, and/or result in getting a faster sale. Details also will be discussed on current real estate market trends.
Robb & Stucky is located in Mizner Park at 200 Plaza Real. You can also request a complimentary design consult. Call 561-862-5597 to reserve a seat for this seminar which is free to the public. Click here for a list of other seminars and events at the Boca Raton store.
Friday, November 27, 2009
Founded in 1984, Gumbo Limbo’s mission is to increase public awareness of coastal and marine ecosystems through research, education, preservation and conservation. Stroll through the butterfly garden, climb the observation tower located on the winding boardwalk through coastal hammock, sit in a Chiki hut, visit the saltwater tanks brimming with marine life, including sea turtles, fish, sharks and rays and take pictures in our sea turtle garden with 7 giant turtles.
Saturday, November 21, 2009
Friday, November 20, 2009
Sunday, November 08, 2009
The $8000 tax break for first-time home buyers would require a signed purchase agreement contract, and will have a 60-day cushion beyond the end of April to complete the closing.
In addition, existing homeowners who have lived in their current residence for at least 5 years but want to relocate to a new primary residence can use a $6,500 tax credit.
Income limits for both would be $125,000 for individuals and $225,000 for couples.
The tax break would be offered on homes priced at $800,000 or less Recipients who sell the home or stop using it as their primary residence within 3 years would be required to repay the credit
Saturday, November 07, 2009
Thursday, November 05, 2009
Important issues relating to getting coverage and the amount your premium will be include smoking and being overweight. One UK study found that the average smoker paid 56% more than a non-smoker for life insurance. Companies consider you a non-smoker if you have not used tobacco for the previous 12 months, others for a 5 year period. Folks with a BMI (body mass index) of 28 or more may have to pay and extra 50% in premium. This is a recent industry reduction of 16%. BMI is calculated by dividing your weight by your height and the result squared. Other factors that underwriters consider include current and past health history, drug or alcohol use, your profession/avocation, medications, travel. For information on insurances go to http://www.MarilynJacobs.com and scroll down homepage watching red tabs on left side and click on the one you want information about or call Marilyn at 561-988-0070.
Sunday, November 01, 2009
Meanwhile, mark your calendar now for a very interesting afternoon. Enjoy a “Harvest Tea” and treats with Victorian hostesses in costume and your personal butler, most elegantly done by The Mad Platter Catering and Befitting Just Your Style at Robb & Stucky at 200 Plaza Real in Mizner Park on Wednesday, November 23 at 2 pm. See a traditional Victorian Thanksgiving… and get new ideas for your own holiday. Tips will be offered on blending older furnishings with today’s lifestyle with your own distinctive touch. Reserve by calling 800-838-5931 for pricing and reservations.
Design Professionals: Did you know that Robb & Stucky offers CEU Classes for you? See http://www.robbstucky.com/CEU-Classes-for-Design-Professionals.aspx?Id=10 for list of classes.
Friday, October 23, 2009
Sunday, October 18, 2009
Buyers are becoming aware that NOW is the BEST TIME EVER to buy in Florida, and the best properties are being bought up as you read this. Have you been out looking for the best possible deal? Better hurry….
Saturday, October 03, 2009
Keep it or toss it? Head over to http://www.stilltasty.com, and find out shelf life, and length of time it’s ok in the refrigerator or freezer. Search for the foods you want to know about. You might find some surprises!
Thursday, October 01, 2009
Among recommendations from the White House Task Force on Middle-Class Working Families (Treasury Department) here are some proposals:
- 529 plans getting greater availability of age-based index funds that shed equities and add fixed-income assets as beneficiary approaches college
- eliminating a “home-state bias” for fee and state tax assessments which currently force families to use funds offered in their home state rather than in others
- put limits on balances on a per-beneficiary bases rather than on state-by-state basis
- Treasury should collect data from surveys re 529 plan participation and investments
- Strengthen compliance and monitoring of Section 529 accounts and disbursements
- Simplify the Free Application for Federal Student Aid (FAFSA) which currently has 153 questions, some having no impact on student aid – over 1MM eligible students fail to fill out this currently complex form
- Tailoring the form to individual students
- Allowing students to electronically retrieve their tax info from the IRS and enter it into the online FAFSA
MARILYN FARBER JACOBS is a Licensed Advisor / Independent Insurance Agent – who has College Savings Plans to tell you about, using a 529 Plan, term, universal life or whole life plans so that you, or someone you know, can make an educated choice.
Wednesday, September 30, 2009
Sunday, September 27, 2009
Tuesday, September 22, 2009
Things are looking up as this thorny appraisal vs.comparables problem is faced at last. Among the issues being discussed jointly by the NAR (National Association of Realtors), NAHB (National Association of Builders), MBA (Mortgage Bankers Association and appraisal groups are:
· Appraisers not using proper adjustments on comps (comparables) on foreclosed or other distressed properties
· The HVCC (Home Valuation Code of Conduct) impacting the ability to get quality appraisals in distressed markets
· Some appraisers for comps in area they are not familiar with and that impacts the appraisals, driving down home values
· Urging federal regulators to adopt and enforce more clear regulatory guidance on appraisals for distressed and foreclosed properties for realistic valuations and truly comparable sales
· Calling for immediate action to address these appraisal-related claims
· Sometimes appraisers do a “drive by,” only looking at the exteriors of homes as they do not have access, and distressed properties often have apparent problems inside as compared to new, updated, and “market-ready” homes.
Okay government, let’s get this fixed. It IS BROKE.
Friday, September 18, 2009
SHORT SALE GUIDE, ISSUES, PITFALLS AND MORE
Keep in mind: Marilyn's team includes CDPE Graduates (CERTIFIED DISTRESSED PROPERTY EXPERTS) and if you know someone who could use help, please let us know who they are, or suggest they call us. We will do the best that we can to be of help. Call Marilyn at 561-988-0070 for more information.
Wednesday, September 16, 2009
JOINT COMMISSION FOR PRIMARY STROKE CENTERS GIVES BOCA RATON COMMUNITY HOSPITAL GOLD SEAL OF APPROVAL
Tuesday, September 01, 2009
The 4th Tuesday of every month an event is held with nearly 250 attendees getting networking opportunities. In August the event was held at the Boca Resort Hotel. Your editor attended with friend John Allison, and we had a wonderful time mingling, dancing and... YES!… sampling the delicious foods and wines. The event was called WINE & ALL THAT JAZZ… AND MORE… 2009. Along with lots of people, great food, lots of new hellos, it was a night of wonderful wine from Southern Wine & Spirits of South Florida and fabulous food from Bogart's Bar & Grille, Ruth's Chris Steak House, Saba Asian Dining and Sushi Bar, The Addison Boca Raton, The Capital Grille, Truluck's, and ZED 451. YUM. Belly dancers performed and worked their way through the crowd – one gave Marilyn a lesson… hey! That is great exercise! There is a fee to attend. The Boca Resort Hotel just opened a new huge room – turn right when you enter the main doors and go to the end. It is filled with dark blue banquette lounge seats, and there was a “Neil Diamond-type” singer. $15 buys you 2 drinks and a comfortable seat. Nice place to while away the hours. Every seat was taken! Drop by and enjoy!
Friday, August 28, 2009
Wednesday, August 19, 2009
Blaming the recession and steep drop in new residents of 58,000 over the past year for plunging tax revenues jobs in construction, real estate and mortgage lending have disappeared. This has resulted in empty classroom seats, down about 10,000 statewide compared to the previous year. Current popular is about 18.3 million, says the US Census Bureau.
Florida’s unemployment rate in June was 10,6%, highest rate since 1975, one of the highest rates in the US. Estimates used data from residential electric hookups, building permits and homestead exemptions.
Another factor fewer people are moving to Florida is their inability to sell their homes elsewhere to be able to move here.
However, growth is expected to resume as the economy improves.
Friday, August 14, 2009
The $8000 tax credit for new buyers using FHA-insured loans can be used for additional down payment funds or towards closing costs, and is set to expire November 30th. It has been very popular among first time home buyers to the extent of recent home sales to 1st time home buyers are estimated to be 40% of the market. There is talk from Senate and Congress of:
· extending the tax credit by the end of the year
· raising the tax credit to 15% or 10% of the home’s purchase price, whichever is lower
· removing income restrictions (currently available only to households making $75,000 or less)
· extending tax credit to ALL home purchasers, not just first-timers
· Estimates are that just upping the credit to $15000 would lead to 400,000 more home sales
Foreclosures weighing down many markets would be sold and absorbed. Let’s see if these ideas are passed and implemented.
Wednesday, August 12, 2009
Thursday, August 06, 2009
1. Olympic Village, Calif., 96146
2. Tahoe City, Calif., 96145
3. Terra Linda, Calif., 94903
4. Fisher Island, Fla., 33109
5. Dallas, Texas, 75205
6. Malibu, Calif., 90265
7. Bal Harbour Fla., 33154
8. Key Biscayne, Fla., 33149
9. Lake Forest, Ill., 6004510. New York City (Upper West Side), 10069
Friday, July 31, 2009
Thursday, July 30, 2009
A May 2009 increase of 0.5% in the closely watched Case-Shiller home price index indicates that the US housing recovery is seen possible now. Prices tumbled more than 32% from their peak in 2Q 2006. Case said that prices may be at the bottom now.
· Preventative risk--management must be a priority going forward, according to Shiller.
· He also stated that the mortgage contract structure must be made to protect home-buyers in case of a downturn. “The new standard for mortgage should be a continuous work-out mortgage,” so that “if home prices fall then your mortgage payment will go down.”
· Shiller cautioned that recent bank bailouts were “extraordinary events that we should want to prevent as much as possible in the future.”
· In June new home sales jumped 11%, the biggest monthly gain in 8 years according the US Commerce Department.
· National association of Realtors said existing home sales rose for the 3rd straight month in June.
But, with unemployment and foreclosures still rising, caution was advised. Shiller said that confidence in the US financial system is crucial for an economic recovery, and can be best restored by having a clear regulatory framework for investors. He mentioned that foreign investors who were thinking about putting money in this country are feeling somewhat less assured.
Tuesday, July 28, 2009
With sales up in all four regions of the United States, and the number of previously occupied homes sold in June being the third month in a row to go up, this kind of expansion has not been seen in almost 5 years.
Sales roses 3.6% according to the National Association of Realtors. The foreclosure market is shrinking. It is meaningful that about on third of homes sold in June were foreclosure related, down from nearly half of those sold earlier this year. See the Federal Housing Finance Agency report showing home prices rose almost 1% in May.
There has never been a better time to buy a home in Florida with interest rates down and home prices so much lower than in recent years. The “best buys” are starting to be snatched up now.
Monday, July 20, 2009
Your work can be exhibited and sold at the 4-month long Palm Beach International Airport in West Palm Beach. Those waiting for flights could keep busy with looking at the art exhibit that will be held from September 17, 2009 to December 17, 2009. The theme is “Solar Abstrations” and will feature works that explore the power and brilliance of the sun’s splendor here in Palm Beach County. Sponsored by “Art in Public Places.” Go to http://pbcgov.com/fdo/art/calls.htm or email email@example.com for more details. Entry deadline is August 20th. Entry fee is $10. Pick up your paint brush NOW… and GO FOR IT!
Saturday, July 18, 2009
PLEASE SCROLL DOWN FOR INFO ON AN OPEN HOUSE SUNDAY 7-19, 3-5 PM IN PALM BEACH FARMS-2006, WATERFRONT-GORGEOUS
and want a private showing, call
MARILYN FARBER JACOBS, Realtor
at 561-988-0070 to set an
appointment that is convenient for you.
Palm Beach Farms is in an A-Rated
School district, wonderful
neighborhood with NO ZERO LOT LINES,
and has a playground for the kids.
NO EQUITY, NO HOA.
Price just lowered on this approximately
1/2 acre property on private, gated road.
Boat dock for 30' boat.
VISUAL TOUR LINK
Directions: I95-Palmetto West
Take first right, SW 12th to Circle
Go left (SW 18th St) and take
next right, Isabel Rd Oeste,
to end through white gates.
Please scroll down a bit to see the
information, and click where it says
CLICK TO VIEW FULL PAGE.
|Beautiful Curb Appeal. Circular decorative driveway, 12' x 10' portico, double arched pecky cypress oversize front doors, arched windows. PRETTIEST home in the area. Very Private. One gated private road - side road is one lane, one way - LIMITED TRAFFIC. Great flow for entertaining. Lots of room for the whole family. Master Bedroom upstairs for privacy. 4 Bedrooms on First Floor. UPGRADES EVERYWHERE - like NEW - MOVE RIGHT IN! Near I-95, shopping, downtown, beach and ocean. Watch fabulous sunsets from upstairs south facing Balcony off Master Bedroom. QUIET, SERENE NEIGHBORHOOD where Tropical Trees and plantings abound! THIS is FLORIDA LIVING at it's best! Be sure to click bottom link for Virtual Tour, many more photos.|
|Click to view map: 2198 Isabel Road Oeste Boca Raton FL 33486|
Friday, July 10, 2009
The last time your editor saw snow in Palm Beach County was when visiting during the winter of 1976, when snow briefly fell in Palm Beach near the water. Palm Beach County will have it’s own winter wonderland this weekend at the Palm Beach Zoo in Dreher Park, Southern Boulevard just east of I-95, for “little kids” and “big kids”. “Winter in July” will be held from 10 am to 4 pm both days. Forty… yes FORTY TONS of snow will fall. Many ice-age fossils will be on display. You can go on a fossil dig, make a fossil shark-tooth necklace, enjoy children’s entertainment, have animal encounters, visit the “sand box” to create your own cool treat, relax in the Florida Pioneer House and hear Arctic-themed stories, meet the “Snow Queen” and learn about sun safety. Go “ice-fishing” and see what prize you can reel in. Admission for adults is $12.95, Seniors 60 and up $9.95, Children 3-12 $8.95, children under 3 and zoo embers are free. The purpose is to educate children about the importance of sun safety and let them experience the wonders of winter without leaving Palm Beach County. The event is co-sponsored by South Florida Parenting Magazine and Panera Bread Company. Sun Safety materials are provided by the Skin Cancer Foundation and Armchem. Daily events at The Zoo include an interactive “Wings Over Water” show with 20 trained birds, 11-3 weekdays and 11-2 weekends This is sponsored by AirTran. The “Wild Things Show’ includes New Guinea Singing Dogs Mic and Sidney, Scooter the South Asian binturong, Xena the African pygmy hedgehog and Boris the Scarlet Macaw and a Brazilian rainbow boa. Come visit and enjoy seeing all the animals!
Tuesday, July 07, 2009
Saturday, July 04, 2009
According to an article in the July issue of Insurance News Net Magazine, “After Americans lost their shirts in the federally regulated equities market, they were able to find refuge with the guarantees afforded by indexed annuities… Americans who placed over $150 billion in these secure products since 1995 have been sleeping easier at night because of the guarantees.”
Seeking a flight to safety for their reduced holdings, and this includes families who now have one income instead of two, many are placing funds in affordable term insurance, applications for which have climbed steadily over the years.
Marilyn can tell you about term policies that can be converted to cash value universal or whole life policies when you are ready to increase premiums as the economy improves. Meanwhile, your family will be protected. For example Marilyn just wrote an application for a 47 year old male, non-smoker, preferred status, for $750,000. Term is 15 years; convertible. Premium: under $72/month. Premiums will vary with age, tobacco usage and health status. It is predicted that in the future longer term policies will not be available or will be disproportionally more expensive.Fixed annuities were up 74% for 1Q09 vs. 1Q08. Life insurance applications for the age 60+ group climbed 11.3% in May-09 compared to May-08.
Marilyn Farber Jacobs (561-988-0070) is a Licensed Advisor / Insurance Agent with American Life & Health Group, Inc.
Friday, July 03, 2009
- Beautiful white, sandy beaches
- Miles of scenic parks and nature preserves
- Oceans, rivers and lakes offering boating, fishing, swimming and other water recreation
- A rich and varied history, which includes the city of St. Augustine, the oldest permanent European settlement in the mainland United States
- Unique family-friendly attractions
- World Class Entertainment Facilities, Museums, Theatres
- Cultural activities offer residents and visitors music, dance and arts events
- Florida’s climate featuring an average annual high of 81 degrees Fahrenheit and an average annual low of 60 degrees
- The state’s homeownership rate currently stands at about 70 percent, well above the national average
- In many ways, Florida’s cost of living is below that of other states with similar economic growth and in-migration rates