Saturday, January 22, 2022

Business Spotlight

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


Dr. Mor Zilberstein Opens Family Medicine Practice in Englewood

Dr. Lara Mor Zilberstein has opened North Bergen Family Medicine, LLC, a new family medicine practice, 15 Engle Street, Suite 305, Englewood, NJ 07631. The doctor, who is affiliated with Englewood Hospital Medical Center, will focus on preventive medicine, care of chronic diseases, and patient education.

“With today’s medical progress, many


Tips for Hiring Foreign Workers – The H-1B Visa: Specialty Occupations

The Immigration and Nationality Act (INA) sets forth an alphabetical delineation of temporary visas that can be pursued in order for non-citizens to work and/or remain in the United States. Each type of visa in this wide range of temporary (non-immigrant) visa categories serves a different purpose. Some afford the beneficiary the opportunity to remain in the United


New Company Debuts Multi-Character Customizable Children’s Books

Flights are expensive and schedules tight, so parents with relatives who don’t live nearby often have a hard time forging a connection between their children and the rest of their family. Now Starring Us, a new company launched just a few days ago, can help them cement connections.

Books that can be personalized have been in the market for years, but


Disability Protection: “I have coverage… sort of...I guess?”

Q:In the event of disability, do you have insurance

to cover the loss of income?

A:Maybe. Possibly. At least in some circumstances…or maybe not.

Q:Is your disability insurance coverage good enough?

A:Maybe. Possibly. At least in some circumstances…or maybe

Sign up now!