The River to Shore Group Blog

Mick Marsden

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Part one

Like most people, I used to save for retirement the traditional way using the stock market, with mutual funds and broker’s fees. And, like a hamster on the wheel, I was running, but going nowhere. I was tired of the rise and loss of the market and couldn’t really see retirement in my future. If you're sick of the roller coaster ride too and feel it's the big cats that take away the real money...read on. You too can take advantage of the lowest prices in real estate we've seen in 10-15 years with an self-directed IRA.

A friend told me about self-directed individual retirement accounts and that I should Google it and see if it's a fit. If not for me...for my present and future clients. As a self-employed person, I learned I can take a chunk of my retirement money and put it into an asset, like gold, notes, tax liens or, you guessed it, a piece of real estate.

If there really is a heaven...it must be here!

For me, this is the perfect storm or good stuff! There is a beautiful piece of lakefront property in New Hampshire that’s been in my wife’s family for years. It’s the prettiest, most desirable location on the lake. I proposed to my bride up there. Add to that it's the best place for me to do creative work, relax, and decompress from the pressures of life in CT and in real estate. I was emotionally attached!

​My unspoiled view on Long Pond...

When the family wanted to sell the lake house, I had an opportunity to buy the property AND I could have an IRA-tax-sheltered investment that was outside stocks, bonds and mutual funds.  I have complete, check-book control of the asset. Not somebody else. Don’t have to invest in mutual funds; I make the decision.

It follows all the traditional rules of an IRA. I must start taking distribution when I turn 70.

Most people with self-directed IRAs buy the properties for investment. Not me. This is my dream home and we plan to live there when we retire. While prices of homes are favorable and interest rates at such historical lows, it only makes sense for me to ride the appreciation of the real estate market that I know is coming.

Next week: The process of setting up a self-directed real estate IRA.

 

I love meeting new people and forging new relationships. It’s what I love about my job as a real estate agent. I met Brian Penry a Shoreline Communication Group luncheon created and held by Marcia Simon of MSE (Marcia Simon Enterprises, LLC), a boutique-style public relations agency specializing in health care and technology located on the CT Shoreline. Brian and I met again at my year end networking meeting held the 1st Wednesday of each month at Gladeview Health Care center in Old Saybrook.

 

​Brian Penry

 

Brian presented a book he wrote the foreword to that will certainly restore one’s faith in human nature. We mostly hear of looting, riots, or how government failed the population in question or how many died.  Clearly when you put all of this together after reading Brian's foreword and then the book, you’ll know that Brian is a special man. He cared and had the talent and energy to recognize that the words he was reading was in fact extraordinary and were written by quite an uncommon woman. I’m honored to know Brian and to have him as part of our group. 

 

 

 

The book I’m speaking about is titled Letters from the Ground to the Heart - Beauty Amid Destruction. This book is a series of letters to friends & family by Anne Thomas, an English Professor and 22-year resident of Sendai, Japan, following the devastating earthquake & tsunami of March 11, 2011. 

 

Anne makes the stories of ordinary people in extraordinary circumstances profound – capturing our collective, global empathy. This collaborative effort also includes writings by Pema Chödrön and Miyazawa Kenji, responses from all over the globe and more.

 

While the news coverage has stopped, life’s struggles continue there. Every penny of proceeds from sales after expenses of ‘Letters’ benefits survivors of The Tohoku / Great East Japan Earthquake and Tsunami. Give yourself and others the gift of an extraordinary reading experience that won't soon be forgotten, while benefitting Japanese earthquake and tsunami survivors in ways that matter most: on the ground and from the heart.

 

Here’s the foreword by colleague Brian Penry and a Anne’s last post to the “Letter’s” facebook page. Thanks for taking the time to read this blog and for forwarding it to others. Important links can be found a the end.

Letters from the Ground to the Heart – Foreword by Brian Penry 

 

It was Sunday, March 13, 2011, two days after a massive, 9.0 magnitude earthquake and tsunami struck the Northeastern Region of Japan known as Tohoku. While sipping coffee and going through e-mails as is my early morning ritual, I noticed an excerpt from a blog post at odemagazine.com (now odewire.com) that a friend in the UK had sent me. It was the first of what would become a series of accounts of life in Sendai, Japan following these terrible events, the ramifications of which were then and are yet unfolding – written by an American woman who has lived there for some time.

      However and rather than being predictably consumed with the statistics of death and destruction, the sum effect of her account was as though “reading” a Van Gogh painting. The words that floated up off my screen spoke of “the heavens at night” being “scattered with stars,” life in Sendai being “surreal”, and the “enormous Cosmic evolutionary step that is occurring all over the world right at this moment.” These were no ordinary thoughts – certainly not those of one processing the aftermath of tragic events in ordinary ways.

      I was moved to print this out and read it aloud at a time of sharing during church services, later that morning. It bears mentioning that I have never been very keen on organized religion, attending services only very rarely in recent years, at a white clapboard, 1700s era New England church, with a small, closely knit congregation. You could hear a pin drop as I read it, at times tearfully – to a similar response. I was still hearing from other congregants, weeks after. It was only later in the course of this project, that I would learn that this very same experience was not unique to me. 

      I searched online for this person who signed her posts at the time simply as “Anne in Japan.” I found one Anne Thomas, a U.S.-born professor of English, who after living for years throughout the world, had settled in Sendai – where she has taught at various university positions and made her home for over twenty-two years. 

      I quickly became transfixed by Anne’s posts, each an elegant yet spare homage to the simple virtues of a people and culture that has been through incredible natural, as well as unnatural disasters – not once, but many times – somehow not merely rebounding, but thriving after each, brutal challenge to their very being. 

      It wasn’t long before I found myself reaching out to Anne, who graciously added me to her e-mail list. We began corresponding, and I suggested soon thereafter that we collect her letters in a book. The purpose is twofold: to give her work a greater voice and audience, while raising funds to help survivors of the earthquake and tsunami. Perhaps notably, it is not these events themselves that precipitated her letters; it is the countless acts of human grace that followed – and which continue to inspire Anne, and all who read her words. 

      As though modest gifts in small, neatly lacquered Japanese boxes, each letter is a tiny gem. Like one in a set of Russian Matryoshka dolls, each is its own story unto itself – while fitting perfectly inside the next to create a larger story. 

      Through Anne, one vicariously witnesses a quietly dignified, orderly response to utter and complete chaos which, vs. the physical (cherry blossoms) is the true essence of “Beauty Amid Destruction.” Anne’s letters offer simple, unadorned accounts, often of the most mundane tasks – however, in ways that make fascinating the stories of people trying to function normally in the most abnormal of circumstances. They are at once a transformational tale – an illuminating journey to a greater, universally shared consciousness. 

      As you peruse the tiny sampling of responses that Anne has received from every corner of the world, you will find that I am far from alone in these observations. From New Zealand, Australia, Holland and the United Arab Emirates to France, Brazil and throughout the U.S. and beyond, Anne taps into our collective empathy – resonating with people of every conceivable age, background and persuasion. Ranging from simple messages of support to extraordinary perspectives, first-hand accounts and the aid-related initiatives of others, the responses include those of Anne’s family, friends, students past and present, and notably a gentleman named Imai Sensei, whom Anne reveres in great part for his many years and tireless efforts on behalf of Japan’s homeless – whom recent events have tested as never before.

      This effort closes with excerpts from a letter of another time, which was included at the suggestion of Anne’s cousin, Susan Brown Black, who has also contributed to this effort in profound ways. It was written by their late uncle, Henry “Had” Brown over the course of several days in October, 1945. Ironically, Had also chronicled events in and around the environs of Sendai to family and friends following disaster, albeit manmade rather than natural – while on leave as a U.S. military officer at the close of World War II.  

      It is doubly ironic, if not uncanny that the observations of Anne and her Uncle Had bracket the exact period of time during which nuclear events forever changed, and are yet again reshaping both Japan and our entire world. However and rather than delving into such bleak matters, their writings ultimately offer the prospect of hope.

      Where Anne focuses more on the people of Japan, Had was clearly fascinated by its beauty and culture. And while each writes from distinctly different vantage points, their two perspectives are separated only by time and circumstances. Both reveal one, consummate and powerfully enduring truth: that the timeless, mystical nature of Japan is inextricably intertwined with the kind spirit, patience and generosity of its people – call it their ‘cultural fortitude,’ which the Japanese seem somehow hardwired to share not only with each other, but especially and instinctively in times of extreme challenge with those around them, as well. 

      A few thoughts in closing… 

      I ask that you please keep Anne’s observations in their full context. Her positive, upbeat appraisals of efforts to rebuild should not be misconstrued to mean that the immediacy and urgency of Japan’s needs has somehow past. Many, particularly in Tohoku, the Northeastern Region of Japan – are yet in dire need of assistance.

      Lastly, my hope is that through these collected letters and more, that Anne’s message, along with those of others will now reach, enlighten and inspire larger, more diverse audiences – perhaps to think differently, more compassionately about people and cultures other than their own – and above all, to act – not only in times of need, but through small acts of kindness, throughout the precious moments of each day.

– Brian Penry 

 

Anne’s Latest –‘Letters’ FB page December 20, 2011

 

Japan is pretty much out of the news these days. But life is still far from easy here in Tohoku. Winter has settled in with freezing temperatures and frequent snow, sometimes flurries, sometimes storms. The Red Cross and Army left several months ago, so the clean up job and rebuilding are now the responsibility of each prefecture.  That work is going on continually, but slowly. Reports say it will take another two years or more before the devastated areas are ready for rebuilding.

 

In the meantime, people who lost their homes are living in temporary houses, whole families in small apartments, evacuation centers, a few of which are still open, and in the back of trucks or in cars. The homeless live in parks and underground walkways during the day. They walk all night so as not to freeze to death. Many people are still out of work. In fact, the jobless rate among young adults is 50% or more. Depression and suicides are on the rise. 


We have come a long way and are proud of that. But we also realize there is still so  much to do.

 

We all hope that 2012 will be kinder to us. They say that the danger of another earthquake lasts for a full year. So, we are still alert as we go about our daily lives. In another arena we also know that next year brings the end of government financial assistance to those devastated by the earthquake and tsunami. We also realize that jobs are very scarce here now. So, we are quietly watching, wondering, hoping for a year that allows us opportunities to work together and do all we can to make life better for everyone we in need. 

 

Please help:

 

Every penny of proceeds from sales after expenses of ‘Letters benefits survivors of The Tohoku / Great East Japan Earthquake and Tsunami.

 

Important Links:

 

​Buy the Book from Lulu.com

 

Official Website

 

​Like On Facebook

 

Follow On Twitter

 

Weekly Mortgage Update

by Mick Marsden

Here are the current mortgage rates as reported by Carl Bulgini, Charles Gorrondona, and the capable staff at Fenwick Mortgage in Old Saybrook, CT. 

 

Green Steam - An affordable and wonderful mobile detailing service

by Mick Marsden

I love all things green and renewable. Sustainability is not just a word but must be a way of life if we are to leave a planet for our grandchildren and their children like we've enjoyed. I also love convenience and technology. I'm super busy as a the leader of a team of REALTORs who serve the CT Shoreline and Lower CT River Valley. So both time and money are precious to me. 

I needed my 2010 Prius detailed in the worst way. I like a spiffy car for my own psyche and as well as for the comfort and enjoyment of clients I take to homes. Bringing my vehicle to a detailer requires my driving to the detailing venue twice and with a friend or my wife to get me there and back. The detailing company I had been using has raised prices beyond what I feel is a good value for me so discovering Marco and Diego and their new mobile detailing service was a big win-win-win. 

 

Being mobile they can do this service wherever  I am. In this case, I had scheduled Marco and Diego to come to my home in the afternoon one day last week. I had been visiting a friend just home from the hospital and was helping her update her Mac, iPhone, and iPad the new iCloud system and realized I wasn't going to make it home in time for my detailing appointment. No problem. I texted Diego a new address and he came to Essex home I was visiting instead. Convenience and great service from polite and competent detailers are just the start. 

 

 

Green Steam uses steam to do the job as you might guess. Other detailers are using gallons and gallons of water to wash each and every car. Some car washes recycle water and frankly don't like the smell of it in many cases. In automatic washes the car suffers the minor surface abrasions from the equipment. Steam lines up with my sensibilities. 

 

Green Steam uses steam to wash and clean both the cars exterior and interior.  Steam is completely safe on auto surfaces.  Moreover, steam has sanitizing and deodorizing effects of low water use is eco-friendly.

 

 

It takes very little water, less than 1 gallon per vehicle on average, and it does not cause any wastewater run-off.  Steam's washing power is truly amazing.  You will be astonished to see what it can achieve without any chemicals. Green Steam provides customers with three services:  exterior car washing, interior cleaning & disinfection, and detailing.  While others compete on price alone…Green Steam delivers much more. 

 

 

Marco and Diego relocated to the shoreline to build a better life than was available to them in a large city. They chose the beautiful shoreline for obvious reasons with many career aspirations, desires, and an eagerness to succeed. Most complain about the economy and think negatively as a result. This team thinks positively and has had the fortitude to begin a new business in a time where most would run the other way. 

 

You'll not find a better value or job for the $115 they charge for a complete detail. They leave no mark at the place they do their work and I hope you'll give them a call support the friendly hard working team. Call them today at (860) 304-2798 or (860) 575-5260 to book your onsite Green Steam detail. You'll be delighted!

I love the business of Real Estate even as difficult as it is. For one, I like to triumph over the odds which my team and I do year in and year out, but that's not the primary reason why. I pride myself on doing the very best I can for each and every client as does everyone within the River to Shore Group team and it shows by increased sales each year the market is in decline. While it's certainly nice to receive the paycheck at the end of what sometimes is a long and protracted deal, it's even better when you receive a note of thanks, a gift, or other gestures that one might send our way to that shows their appreciation. It is truly rewarding and gratifying. 

This week we received certainly one of the most creative expressions of thanks from Mark and Nancy Tepping formerly of Rebecca Lane in Guilford. We met through an on-line connection and we hit it off from the start. We made our plans, executed the preparation punch list, got their home on the market and had it gone in 7 weeks. We negotiated an nice deal on a model home condo in Chester for them and got both places closed as they desired overcoming the normal bumps in the road you sometimes get in today's market. 

After they settled in they had a party celebrating all that those that assisted them in their big move. They had the Pizza truck onsite that provided marvelous fare, from appetizers to dessert, and all had a very nice time.  We met family, new neighbors, and even their sales person from the Old Saybrook Barn. No one was forgotten. It was certainly a first for us to experience a loving and genuine act of gratitude of this level. During the event, Nancy read aloud many limericks. She wrote one for each professional she hired to assist her in their move. It was flattering for sure and we all felt honored.

 I felt compelled to blog about this because of the level of vitriol we see between the daily discourse on the air and in print.  There's been a serious decline of civility in the world and a decline in simple politeness. There was a recent news article on NBC news that interview a waitress who's tip was "try losing a few pounds." instead of the 15% gratuity she had hoped she would get for her good service. People on the road are in a rush, will cut you off, or won't let you in when the traffic is stiff. It's sad. 

It's really simple: If you want love, give love. 

OK...so the real reason I love this business is because of all the great people I have met and made friends with along the way. I can say the only downside is that I certainly have more wonderful relationships today than I have free time to nurture so Facebook and blogging and the occasional personal note to many will have to suffice between those rare personal visits.

Mark and Nancy, thank you so much for being a great example of what true gratitude can be. We are honored, flattered, and appreciate your gestures beyond words. May you have the best of luck in your new home and have many happy healthy years there.

I respectfully submit to you, the reader, for your consideration that the next time you're at a restaurant to leave a larger tip than you normally would and write a note, if deserved, to let the server know how much you appreciated the good service. Thank the service rep at your auto dealer, the cashier, your massage therapist by sending them a card. I recently sent a card to the manager of the Old Saybrook spa telling her what a great experience I had with staff member Eleni. I had also sent a gourmet package of cookies that I asked the manager to give to Eleni as a token of my appreciation. The next time in I was even more appreciated. Hence...if you want love....give love. That is all.

Jenna-Lyn Geysen - Dancer Extraordinaire

by Mick Marsden

 

These days with the all the negative news about students and schools and the like, it's nice to read something positive. You'll not read about how student Jenna-Lyn Geysen has bullied anyone, was not arrested, did not do vandalism, get caught shoplifting or being in court drunk like a Lindsey Lohanne or anything like that. She's just the opposite. She is smart, get's good grades, and spends her free time in creative arts and sports like few others do in high school today. 

 

 

I am proud to write about her because she is the daughter of my newest team member of the River to Shore Group, Kevin Geysen. Kevin's talent was evident when he came on board producing right from the get go. Innate talent seems to run in the family. I had met Kevin through his parents Juny and Nancy and noticed a photo of Jenna doing ballet in a photo on the wall. My wife and I love dance and she told me about her taking part in the Nutcracker Suite this past year and more. As I got to know my new team member more...the more I learned about Jenna.

 

I quickly learned she was tops in varsity track and field hockey in addition to being astute in other dance disciplines like Jazz, Contemporary, Broadway as well. This May Jenna Lyn took 1st place at the "Showstopper" Regional Dance Competition held in Hartford with here solo performance titled "I Am" which was choreographed by Caine Keenan, a nationally renowned dancer and choreographer. Later in July she took 2nd place just a couple of hundredths of a point behind 1st. This is an enormous achievement given the vast number of participants. 

 

Jenna said "The nationals is such a big step, and being in the opening is such an honor." 

 

Jenna doesn't know the word stop. Hard work is certainly an understatement for this young lass with boundless energy and talent. She is a junior at Mercy High School in Middletown where she is a key player in field hockey and a member of the winter and spring track team. She dances 4 nights a week for 4 hours at Dance 10 Studios in Wethersfield. She does this as she is doing her academic work, looking at colleges, and her hopes to make a career in dance. 

 

My partner Kevin and Jenna's dad said "This is a prestigious competition. She's been dancing for some time and this will certainly help with advancing her into the professional dancing world." 

 

To put the "Showstopper" event into perspective, the competition hosts over 100,000 dancers in 3 different sites around the country every year. Past participants of "Showstoppers" have included well known celebs like Beyonce, Britney Spears, and LeAnn Rimes. 

 

Whatever the future has in store for Jenna-Lyn, suffice it to say that her hard work and talent will get her noticed. I wish her the very best as we all do on our team here and want to let her know we're very proud. 

 

A Letter to Investors from Andy Kramer

by Mick Marsden

I've placed my trust and confidence with my investment decisions with Andy, principal of Kramer Capital Management for many years. I can honestly say I've never been disappointed. Shu Feng Wu is Andy's secret weapon and has always been there for me for whatever I've needed. I just moved funds about to do a self-directed IRA and she was great in getting the job done for me in spite of J.P. Morgan's lackluster service and performance in my time of need. Shu was relentless in getting them to do what they were supposed to do. If you're an investor and want the best...call them yesterday. 

Below is Andy's 3rd Quarter newsletter on the market. I hope you find it as interesting and informative as I do:

October 3, 2011

 

 

 

Dear Investors:

 

The third quarter of 2011 saw the worst stock performance in 2 years, with global indices down precipitouslyDeclining markets caught many by surpriseWhen the third quarter began, investors were looking towards growing profits, excess cash on balance sheets, low interest rates and the presidential cycle, which all pointed to higher stock prices.  Perhaps these positives, which are still evident, will reassert priority in investors’ minds before year-end, an intriguing possibility.

 

When markets move from hope to worry, it is often violent.  The last three months were no exception. KCM portfolios had become more defensive throughout the first half of 2011; a consequence of the deteriorating macro picture that we discuss often in our blog posts.  We redeployed cash, raised from timely selling, into more concentrated precious metal mining stocks for reasons we have outlined in much previous correspondence. This move looked prescient, as most of our newly acquired positions appreciated throughout the first two thirds of the quarterIn the last month, however, gold and precious metal mining stocks finally succumbed to the pressure of the global liquidation.

 

Price volatility across asset class increased dramatically during the third quarter.  The S&P 500 had daily moves in excess of 1% on a record number of days for a three month period.  These were not trending moves, but often violent swings that went nowhere.  This added volatility can be problematic for position oriented money managers like us.  Our portfolios are concentrated in areas and situations we follow closely and believe in long-term.  As example, we want to own precious metal mining companies and oil and gas production not because of short-term stock price appreciation but because, if these businesses continue to generate free cash flows and that free cash flow grows, share prices should be considerably higher in years to come.

 

Obviously, if long term appreciation is anticipated, entry prices are paramountWe looked prescient in our recently re-established gold mining overweight, but their precipitous declines off September highs will impact monthly and quarterly portfolio results.  From a technicaperspective (Appendix A, B and C) we dont think anything importantly bearish is happening, except volatility is increasing.  This could work in our favor in the future, during possible runs higher. Fundamentally, recent global macro concerns that are causing the harsh markets only strengthen the long term case for gold.

 

During the last three months global concerns—European sovereign debt risk, emerging markets economic slowdown, and US political morass—contributed to the “risk-off tradeWe first witnessed “risk off in the 2007 -2009 bear market when all assets except the US dollar and US Treasuries declined.  Recent market behavior is eerily reminiscent of those dark days.  Why investors rotate en masse into US dollars and 10-year treasuries yielding 2% baffles us.  A strengthening US dollar seems the more absurd of these two, although not by much.

 

It is clear to us that a Federal Reserve led by Ben Bernanke will do everything it can (and maybe some things it cant) in an effort to create good” inflation.  He and his comrades, of whom there seems to be a dwindling number as evidenced from the three dissenters in the last two interest- rate policy meetings, continue to signal excessive monetary stimulus, even in the absence of any compelling data that proves its effectiveness. We continue to expect further quantitative easing

or other innovative policy in their unceasing quest to artificially create economic growth.

 

Future currency debasement is as close as we know to an economic certainty It continues to amaze us that, even though the fiat dollar is only 35 years old (in its present iteration), and the history of fiat money is over 2000 years old, that there are still so many who rest confident that this current group of global mandarins are somehow clever enough to successfully manage this overwhelmingly complex systemFiat money always depreciates.  That has been its unblemished record for over 2000 years and this time will be no different.

 

If one expects the dollar to depreciate, then a ten-year bond yielding 2% per annum paid in said depreciating currency hardly seems like an attractive investment—yet investors continue to buy them in record numbers.  Thesafe haven” status of both the US dollar and the Treasury markets are the presumed cause of demand.  We believe that is true during periodic “risk off episodes, but the underlying and constant demand for treasuries is more a part of the global currency racto the bottom. As the dollar depreciates against other currencies US consumers, still the straw that stirs the drink, buy fewer imports.  Global growth slows.

 

In order to stay competitive, foreign governments try to keep pace with dollar debasement which requires them to continue to purchase US government debtWhat was at one time a synchronistic positive interrelation now looks frayed and problematicWill the countries with net savings, like China and Brazil, continue to support this mercantile relationship As inflation and internal social conflict grows in these countries we believe it will become harder for those large buyers to justify using their savings to support our debt If demand weakens and thus interest rates, despite the Feds repeated ministrations, rise would others, fearing debilitating losses on their largest remaining asset, rush to sell We think that is a possibility In any caseas we indicated above, we see no reason to own a low-yielding obligation paid in a depreciating currency no matter what the present results show.

 

Looking out to year end and despite the bumpy ride, we continue to favor owning risk assets in commodity-related sectors and special situation ideas that should react independently of deteriorating economic fundamentals.  We suspect that markets are getting close to levels where buyers will emerge It is possible that if a rally can sustain for a number of weeks, a year endrally can gain momentumPlease continue to check our blog at kramercapitalmanagement.com for updates.

 

 

Andrew Kramer                   Shu Wu

      Portfolio Manager                 Associate 

 

The Style of Success: Do clothes make the man? You bet!

by Mick Marsden

I love meeting new people and networking with other business professionals. I recently attended a fantastic gathering of business professionals at Planet Hollywood in Times Square hosted by Gotham Networking where I met Ann Lindsay, an image consultant for men. I really enjoyed talking to Ann and learning about what she did in more detail and found out that not only can she advise on how to improve on that all important first impression, she can deliver custom tailored suits that give the appearance of a $3,000 bespoke suit for what about what I paid for my Brooks Brother suit. Certainly Brooks Brothers consistently delivers a quality product with alterations for a good bit, it is far from a custom fit. 

 

 

Ann introduced me to J. Hilburn and she put it this way: Picture men’s suiting on a continuum with inexpensive materials, fused construction and low prices on one end, and impossibly expensive, hand sewn, fully canvassed, amazing materials and construction on the other. J. Hilburn has carefully designed a suiting product that comes as close to the end result of bespoke, yet at a fraction of the price.   Suiting is of the best fabrics, and excellent construction techniques, just like designer brands, but going one step further and better than designer – the ability to purchase sizes in 1 inch increments (rather than 2) and 7 areas of customization for every suit. 

       

 

Why is this important?  Because nothing says affluence – says I’ve made it, I’m a force to be reckoned with, inspires respect and maybe even a little awe like a monogrammed cuff peeking out of a beautifully fitted jacket of sublime material.  

 

But J. Hilburn is an end but not the means per se of arriving at the look that will put your best foot forward. Introducing "Style of Success

 

 

Founded in 2007 as Ann Lindsay Image Consulting, Ann was determined to start a new career in a creative industry that helped people feel good about themselves.  

 

A graduate of the prestigious Image Resource Center of New York, Ann also achieved the highest score in the 2007 Association of Image Consultants International annual certification exam. 

 

As Ann began working with clients she began to see her niche: Divorced middle aged men had no “feminine” resources when it came to clothing, grooming, etiquette and especially date coaching.  Men consistently were needful and appreciative of her help and her practice began to reflect that.  Working with men at her local Brooks Brothers store gave her hands on suiting experience and cemented her desire to work with menswear.  

 

A complete rebranding as a company dedicated exclusively to the male client occurred in the spring of 2010 culminating with the launching Style of Success website and blog, content rich e-zine and 3 e-books.  It was in the Fall of 2010 where she created a partnership with J Hilburn. 

 

In 2011 Style of Success joined in a strategic alliance with Vada Image Consulting for Women.  The SOS-Vada team now presents to men and women in the corporate realm – to sales teams, law firms, as well as working with human resource departments in support of employees.  

 

 

 

Call Ann at 203-257-8167. Visit her website to learn more: http://www.sosformen.com/ 

A good doer deserves credit, no?

by Mick Marsden

There are many people who give to other's and never ask for anything back. They work quietly enjoying the satisfaction that comes only helping another person in need. Here's a little story about one person's good and selfless work. 

 

I network a lot. While networking I met Paul Knutsen at an event and found him to be a guy with a heart and wonderful sensibilities towards life and helping others. So, It was not a surprise to find that he runs Gladeview Health Care Center from a completely different place than most. While having breakfast in Deep River at Kristen's with Paul, he pointed to a cross that was hanging in the restaurant across the room that was made from rope in a particular fashion. He told me his father, John Knutsen, now retired for many years, was making them by the bag and giving them to pastors of churches, to homes like Gladeview, and to those he meets on his travels.

 

 

John Knutsen at his home workshop...

 

John worked for 30 years at Pratt and Whitney and took an early retirement that has kept a grin on his face ever since. "It takes a lot of time to do nothing and I work hard at it," John told me. He was a customer relations contact with airlines for last 15 years of his career. When he first retired and became his own boss he spent a lot of time fly fishing. Health reasons kept that from being as frequent an activity as he would have liked. John decided to focus on another activity so he started making things from rope. He learned Chinese knotting and is really good at it. He delved into knot tying in a big way and came across sailor's cross. The legend is that Portuguese seaman make these from scrap pieces of rope for the bow of their long boat for divine protection. His Navy background and strong faith drew him to make these "sailor crosses" and offer them to those in need.  

 

The Sailor's Cross is one of many types John ties...

 

John was married to his bride Marie in E. Greenwich, RI. The church they got married 52 years ago was where Marie grew up. John's Navy shore patrol brought him to the area and they met at one of the local community dances. The Pastor of this church told John how good people felt having received the crosses that he placed in a basket, free for the taking, by all who came through their doors. 

 

John uses a variety of line, rope, and leather to make his crosses.

 

John became addicted to making them and started making them by the hundreds. I also learned during my short visit with him that Scouting was in his past…no surprise. Being an Eagle scout myself…knot tying was a certainly one of scouting's mainstays. 

 

 

John gets a lot of satisfaction out of making someone happy and introducing a different energy into their lives. I'm honored to have met and talked to John and thought I'd write a small tribute to his good work. 

 

If you're interested in getting some of his crosses for your good work, write me an email and I'll connect you. 

Mortgage Matters: So...What Are Mortgage Rates These Days?

by Mick Marsden

This is the question I get asked every day. When I started in this business answering a question about rates was easy. It was easy because guidelines for underwriting a home loan were very generous to say the least! Today, before we can quote rates, we need to ask numerous questions above and beyond the loan size because answers to these questions can change the rate.

 

For instance:

 · What is the purchase price?

· What is the amount of your down payment?

· What is your credit score?

· Have you been employed consistently in the same line of work for the past two years?

· What type of property are you looking at? Condo? Single-family home? Seasonal property?

· When will the closing be? 30 days? 60 days? 180 days? (Is it a short sale?---be careful)

· What type of loan program do you want?

· Do you have liquid savings after closing that can cover your payments for 6 months?

· Do you want to pay your own property taxes?


One of the benefits of working with a mortgage broker is the ability to find lenders who best match a borrower's scenario. There are lenders that might not look at credit scores and just look at the credit report. There are lenders that charge extra if you want to pay your own taxes and lenders that require that you cover 18 months of housing costs in a liquid savings account after you close on your home. We have the flexibility of choosing from dozens of lenders so we match a borrowers scenario with the lender. We call this process the "The Perfect Mortgage Match"™. Call Carl at 860-388-LOAN (5626) for more information. 

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Contact Information

Photo of Mick Marsden - Group Leader Real Estate
Mick Marsden - Group Leader
River To Shore Group at Page Taft
35 Main Street
Essex 06426
860.334.1379
860-598-0037
Fax: 203-413-2970