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It's a Matter of Trust by Dave Waldman of Treasured Memories Video and B2B Video Solutions.

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Latest blog post

 

Video Biography - Renee and Abe Harbatkin

 

It's a Matter of Trust

One of the unique aspects of my profession is the degree of access I have into other people's lives. I watch their home movies, share the special events of their lives, and listen while they tell their personal stories. (Read more...) 


Have a happy and safe Thanksgiving holiday!

Thank you for your continued support,

Dave

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12 Ways to Celebrate Healthy Holidays by Joyce Strong

12 Ways to Celebrate Healthy Holidays

Ideal Weight Loss – Total Well Coach

Nashua – Pepperell – Boston

 

 

 

Free Ideal Protein Workshops Tuesdays at 6:30pm in Nashua.  RSVP.

 

1.     Pre-plate your food.  Plan ahead what you will eat, arrange your plate, and before your sit down to eat, put the serving dishes away. 

2.     Measure your portion sizes.  2 cups of vegetables, one big salad of lettuce, cucumbers and celery with light oil and apple cider vinegar and 8 oz of lean meat it just about right.

3.     Separate Fat and Carbohydrate.  Meals higher in carbohydrate should be low in fat, and meals high in fat should be low in carbohydrate.

4.     For dessert enjoy an Ideal Protein treat such as a Hot Chocolate Drink.

5.     Stay in touch with your Coach.  Weigh-in as always, no matter what.  Awareness and mindfulness is key and fundamental to staying on track.

6.     Stay in touch with your “buddies.”  Share low-carbohydrate and low-fat recipes with knowledgeable friends and learn new ways to prepare healthy foods.

7.     Eat fresh vegetables and focus on low carbohydrate varieties such as mushrooms, peppers, green leafy, broccoli, cauliflower, Brussels sprouts, asparagus, etc.

8.     Avoid alcohol.  It is high in sugar.  Sugar makes you fat.  Drink bubbly water with lemon or lime.  You’ll feel better and thank me in the morning.

9.     Use herbs and spices in every recipe.  Get crazy!

10. Think “Substitution” and be creative.  What else can you use that will do the same thing but make the holiday meal just a little bit healthier.

11. Listen to your gut.  No excuses or justifications.  Think about what you want to eat, plan for it and eat it.   If you are uncomfortable about what you are eating or how you are eating it, call a friend or your coach and talk it out.

12. Take the time to make it beautiful.  Presentation of your food is paramount.  Make it look beautiful, take your time and get creative.

 

Life is a Journey.  You Drive.

www.TotalWellCoach.com

Ideal Weight Loss-Total Well Coach

One Tara Boulevard, Suite 200

Nashua, NH 03062

joyce@TotalWellCoach.com

603-324-7153 Nashua Office

617-666-1122 Mobile 

Do the changing tax laws have you concerned about your Estate Plan?

With the old federal tax laws looming and changing on January 1, 2013, do you know how the federal and state estate tax laws will effect you and your estate plan? Time for an update? To discuss your personal planning, please call my friend, Nadine M. Catalfimo, Esq. at 978-522-3705 today or email her at ncatalfimo@MA-NHEstateLaw.com for more information. She has extensive experience in the areas of trust, estate, tax and probate law.

Great advertising idea for Real Estate Agents

Real Estate Agent and Services Advertising for $25 per month!

Limited spots available

(Mention Friends of Kevin and get an additional month free!)

If you’re a real estate agent or someone that supplies a service to the home sale market, this offer is for you.

PixAds Media is announcing the availability of a new advertising service designed specifically for real estate agents and real estate service providers. For just $25 per month real estate agents, mortgage companies, insurance agents, title companies, and inspection services can advertise themselves, their business or both to people looking for a home in our listings.

Our service is installed in busy restaurants, doctor’s offices, and salons throughout southern New Hampshire. Customers of these establishments are handed our custom handheld pager, called an Emcee, while they wait and engage with content and activities we make available.

As the user navigates the real estate menu system we display your ad as a large banner that is one-third of the total display size. The ratio of ad size to total screen size is an important factor in making sure your ad is seen. The size of the ad presented alongside interesting content guarantees your business will be noticed.

The real estate section is one of the busiest areas on our service.  This   means your ad will be seen 10’s of thousands of times per month for only $25.

We will be limiting the number of real estate advertisers to ensure our customer’s ads are displayed many times per month.. Want to list your homes on our service too? We can make that happen as well!  Don’t miss out on this great opportunity.

 Contact us today at sales@pixadsmedia.com or 603-425-0393 to get started.

Visit us on Facebook to see a sample screenshot.

AARE Investment News Update - 3rd Qtr 2012

Hi Kevin,

I hope you've all managed to stay warm and safe during our recent bout with Hurricane Sandy.  We only had our lights flicker a bit, and still, I didn't participate in the mad rush at the local grocery stores - if I was going to float away, I was going to do it having spent my extra time breaking into foreclosures (my real passion in life).  

MAKE SURE you "Enable Pictures" to see the pics of our newest project, included below.

As an investor working with both on & off-market deals, we always see a huge influx of competition whenever a national guru brings a training into town.  In this case, Than Merrill from Fortune Builders came into town a few months back, and trained a whole bunch of investors on how to "buy properties cheap".  I'm not sure on their business success, but as a pattern, we always find competition for on-market foreclosures soars with people paying too much - perhaps to get their first deal going?  We aren't sure.  The net effect is that it's always tougher to get deals on-market when this happens, so we rely heavily on our off-market sources - wholesalers, agent relationships, marketing efforts, and short sale company - to continue our influx.    

Our most recent deal we are working on is in my homewtown of Chelmsford, MA.  A referral from my financial planner (whoever needs an independent, non-partial guy, I'm happy to introduce you), we really spent time on finding out the best way to help this poor woman.  Her mother and father both passed away (one recently), she was disabled and also had hoarding tendencies we had to get over.  We were able to strike a deal with her which did not only involve a cash sale of her house, but also included hiring movers for her for as much as she wanted to keep, leasing out a climate-controlled storage facility for 3 months while she found a new place to live, and we set her up with a great real estate agent contact that could best suit her needs. 

                  

A quick "feel good story", the day before closing she was taking me through and showing me all the electrical switches, and labelling them.  "My dad was one hell of a carpenter," she said.  "But definitely not much of an electrician."  (It was then I realized we would spend an additional 7 full days trying to figure out what wires went where in the basement, with an $800 change order associated.) 

                                               

She started to cry as she wrote on the walls, saying her mother would never have allowed this.  I encouraged her to bring in her neices and nephews and have them all write on the walls prior to closing - which she happily did.  On my post-closing walk-through, we found drawings, inspirational quotes, and one wall that gave me a directive - to "take good care of her home." 

We look forward to showing Dawn the "re-emergence", and also have a few gifts we are dressing up from her old memories as well, that we came across.  Enjoy the pictures.  This one will be our next round of Rehab Chronicles too - so you can see the rehab take place as it happens.     

 

Local Market Update:

Our average hold time after a project has completed has gone up, but specific to New Hampshire properties only.  We find that NH properties, with the same finishes as MA properties and in comparable areas (good school districts, not busy streets, etc), take roughly 6 times what MA properties take to sell (under agreement in roughly 8-12 weeks, vs. 2).  This is in line with what we felt the absorption rates in the NH towns were - on average, a 1 month absorption rate in Massachusetts (i.e., Chelmsford, MA in the $250-$300K range) is comparable to a 6 month absorption in NH (i.e Hampton, NH, $250K - $300K).

We are still buying at between 57 and 68% of after-repaired value.  Our profit figures are up from 10% in 2011 to 11%, so we are holding strong.  Our average relist & resale price has gone up slightly from listing at 92% of fair market and selling at 91%, to listing at 95% and selling at 93-94%.  As we are still sure we are "the best property at the lowest price", we still feel this is a conservative approach, and are seeing success for both ourselves and for our investors.

We have yet to air on A&E's "Flipping Boston" TV program, as their most recent season filled up fast.  The host, David Seymour of City Light Homes, has let me know we are first in line for the next season, provided the right deal comes along (they want more drama than anything).  I've learned a lot about the TV techniques during this time - the biggest lesson I learned, is that there's a lot that goes on "behind the scenes".  The film crew is the one who approves or rejects sites for the show, and we're working on a couple deals that should be great candidates; but at this point, they would have to be timed for next season. 

Our subscription amount of $300,000 for 2012 has officially been filled (thank you all for your loyalty!) for our Noteholder programs, but we are still accepting smaller investment amounts (minimum is $20,000) for our Private Lending programs, with annual returns ranging from 6-9%.  If you've not yet joined our team, contact us today so we can set up an appointment to see if one of our programs is right for you.  We also work with personal contacts at all the self-directed IRA companies, and are happy to assist in transferring your accounts over and with the paperwork involved in directing the investment.

As always - we appreciate your interest and support in our endeavors, as we hope you're seeing success as well.  Here's wishing you a wonderful holiday season, and - dare I say it - a very Merry Christmas!

 

Happy Investing,

 

You are receiving this message because it has been shown you have a previous relationship with AA Real Estate Enterprises LLC, now the AA Real Estate Group.  This is not a solicitation to buy or sell any registered security with the SEC, nor can it be treated as one.  AA Real Estate Enterprises LLC does not hold any financial or legal licenses, and advises you utilize your own professional advisors if you have questions on any investment opportunity presented.

 

And in case you need a refresher...

--------------------------------------------------------------------------------------

Who is the AA Real Estate Group?

AA Real Estate Partners is a professional real estate acquisition company that serves to create opportunities for our investors. This is done through buying, selling, and managing single-family and multi-family homes.

AA Real Estate Enterprises, LLC (now, the AA Real Estate Group) was established by Nick Aalerud, our Managing Member, in 2005. Shortly after, he created AA Real Estate Partners as a division within this entity to serve our investors.

Within the past 7 years, AA Real Estate’s experience has spanned millions of dollars in closed transactions. As of the summer of 2011, we completed our 100th redevelopment deal. We continue to grow each year as well as additions to The AA Real Estate Group.

How Do We Invest in Real Estate?

• Buy and sell properties quickly.

• Renovate others.

• Hold onto others for cash flow and long-term appreciation.

• Occasionally make loans on other properties.

With our field expertise, conservative mindset, excellent track record and established relationships with all our contacts, we have a well-developed sense of what makes a good real estate opportunity, and what’s not worth getting involved in.

 

November Newsletter from Matthew Schwartz of Schwartz Financial Services

LPL Financial Independent Investor

November 2012

 

Strategies for Tax-Efficient Investing

Just about every investor knows, it’s not nec essarily what your investments earn, but what they earn after taxesthat counts. After factoring in federal income and capital gains taxes, the alternative minimum tax, and any applicable state and local taxes, your investment returns in any given year may be reduced by 40% or more.

 

Adding to the tax planning challenge is the uncertainty surrounding the future of many favorable tax laws. Unless Congress again moves to extend current rules, here are a few of the major changes that will take place in 2013.

 

  • Higher federal income tax brackets. The 10% tax bracket will disappear, and the 25%, 28%, 33% and 35% rates will revert to 28%, 31%, 36% and 39.6%, respectively.
  • Higher capital gains rates. Short-term capital gains will continue to be taxed at ordinary income tax rates, although those rates will generally be higher. Long-term capital gains will generally increase to a maximum of 20%, up from 15%.
  • Higher dividend rates. Dividends will be taxed at regular income tax rates rather than at the lower "qualified dividend" rates of 15% or less.

 

Clearly reducing your tax liability is more important today than ever before, especially if you are in one of the higher income-tax brackets.

 

Here are some strategies that may potentially help lo wer your tax bill.1

 

Invest in Tax-Deferred and Tax-Free Accounts

Tax-deferred accounts include company-sponsored retirement savings accounts such as traditional 401(k) and 403(b) plans and traditional individual retirement accounts (IRAs). Contributions to traditional IRAs may be tax deductible, depending on your income level and/or your access to a qualified employer-sponsored retirement plan. Earnings on these investments compound tax-deferred until withdrawal, typically in retirement, when yo u may be in a lower tax bracket.

 

Contributions to Roth IRAs and Roth-style employer-sponsored savings plans are not tax deductible. Earnings that accumulate in Roth accounts can be withdrawn tax free if you have held the account for at least five years and meet the requirements for a qualified distribution. (See IRS Publication 590 Individual Retirement Arrangements (IRA) for more information.)


Pitfalls to avoid: Withdrawals prior to age 59 ½ from a qualified retirement plan, traditional IRA or Roth IRA may be subject not only to ordinary income tax, but also to an additional 10% federal tax.

 

Consider Government and Municipal Bonds2

Interest on U.S. government issues is subject to federal taxes but is exempt from state taxes. Municipal bond income is generally exempt from federal taxes, and municipal bonds issued in-state may be free of state and local taxes as well. An investor in the 33% federal income-tax bracket would have to earn 7.46% on a taxable bond to equal the tax-exempt return of 5% offered by a municipal bond, before state taxes. Sold prior to maturity or bought through a bond fund, government and municipal bonds are subject to market fluctuations and may be worth less than the original cost upon redemption.

Pitfalls to avoid: If you live in a state with high income tax rates, be sure to compare the true taxable-equivalent yield of government issues, corporate bonds and in-state municipal issues. Many calculations of taxable-equivalent yield do not take into account the state-tax exemption on government issues. Because interest income (but not capital gains) on municipal bonds is already exempt from federal taxes, there is generally no need to keep them in tax-deferred accounts. Finally, income derived from certain types of municipal bond issues, known as private activity bonds, may be a tax-preference item subject to the federal alternative minimum tax.

 

Put Losses to Work

At times, you may be able to use losses in your investment portfolio to help offset realized gains. It is a good idea to evaluate your holdings periodically to assess whether an investment still offers the long-term potential you anticipated when you purchased it. Your realized losses in a given tax year must first be used to offset realized capital gains. If you have “leftover” losses, you can offset up to $3,000 against ordinary income. Any remainder can be carried for ward to offset gains or income in future years, subject to certain limitations.

Pitfalls to avoid: A few down periods don’t mean you should sell simply to realize a loss. Stocks in particular are long-term investments subject to ups and downs. However, if your outlook on an investment has changed, you can use a loss to your advantage.

 

Keep Good Records

Keep records of purchases, sales, distributions and dividend reinvestments so that you can prope rly calculate the basis of shares you own and choose the shares you sell in order to minimize your taxable gain or maximize your deductible loss.

Keeping an eye on how taxes can affect your investments is one of the easiest ways to enhance your returns over time. For more information about the tax aspects of investing, consult a qualified tax advisor.

 

1This information is general in nature and is not meant as tax advice. Always consult a qualified tax advisor for information as to how taxes may affect your particular situation. No strategy assures success or prote cts against loss.

 

2Municipal bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be subject to the alternative minimum tax. Government bonds are guaranteed by the U.S. government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.

& nbsp;

This article was prepared by S&P Capital IQ Financial Communications and is not intended to provide specific investment advice or recommendations for any individual. Consult your financial advisor, or me, if you have any questions.

 

Because of the possibility of human or mechanical error by S&P Capital IQ Financial Communications or its sources, neither S&P Capital IQ Financial Co mmunications nor its sources guarantees the accuracy, adequacy, completeness, or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall S&P Capital IQ Financial Communications be liable for any indirect, special, or consequential damages in connection with subscribers’ or others’ use of the content.

 

Tracking # 1-112006

 

 

Matthew M. Schwartz

Financial Consultant

 

Schwartz Financial Services, Inc.

3 Baldwin Green Common #209

Woburn, MA 01801

 

matt@SchwartzFin.com

 

Tel: (781) 932-3289

Fax: (781) 998-3099

 

Website:  SchwartzFinancialServices.net

 

Professional LinkedIn Profile: linkedin.com/in/SchwartzMatt

 

Professional Facebook Profile:  facebook.com/SchwartzFinancial

 

Personal Facebook Profile:  facebook.com/SchwartzMatthewM

Don't Let The Holidays Get To You Or Your Waistline! - Check out these super prices on Training with EFX Fitness Revolution

I wanted to let you know about a special membership that we are offering for anyone that wants to get a jump start on their New Year resolution and not be one of the "average" Americans that gains 10 lbs during the holiday season.   Yes, you read that right, the typical American will gain on average 7-10lbs of fat during the holidays and never get it back off! 

For the months of November and December we are offering any new members of EFX Fitness Revolution a one month membership to kick off their holidays.  For just $49 you can get one month of boot camp workouts and a nutrition plan to ensure you are making positive gains with your fitness and not on the scale!    For just $99 you can get one month of full access to our personal training program to get you to your goals faster than ever!  That is three workouts per week for a full month to get you and keep you on the right track!   

 

Don’t miss out on this HUUUUUGE savings!  

For our current members, don’t fret!   We are giving you a solution as well!  

For any of our current members, we are going to allow you upgrade to a full-fledged boot camp membership in addition to your two day/week boot camp or personal training membership for either of both months for the same price, just $49 per month.    If you would like to upgrade your personal training membership to 3x per week, or add it in we will also let you do that for either or both months for $99!   

Bonus!  Any of our members that take advantage of this will be a part of our brand new accountability program and get weekly emails to keep you on track and motivated for success.  You also get access to our accountability coaches to ensure you are getting everything you need from this program.    (We will be offering this as a standalone service soon for at least $29/month!  You get it Free!)

 

To get signed up email efxfitness@yahoo.com or call 603.458.6260

 

Yours in Health and Fitness,

Michael Bistany

EFX

361 South Broadway

Salem, NH

 

EfX at Manchester Karate

24 Bridge St

Manchester, NH

Groundwork Lawrence November E-Update

Join Us On-line

 

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Donate>>

 

Upcoming Events  

 

EcoArt Deadline Extended!

November 13

 

Glow Gala 

Annual fundraising event planned for Thursday, November 29

 

Learn more >>

 

Fall Fest Fun!

Thanks to those of you who came to the last Farmers Markets of the season. We had a blast face painting, drinking hot cider and of course checking out all the great costumes! Until next year!

 

 

NEXT STEP LIVING!

Help raise funds for GWL by completing this very easy and FREE Home Energy Assessment
Click here!

 

November 2012 E-Update

 

Are you coming to Glow Gala this year?

We hope you are planning to join us for Glow this year! If you haven't already, you can now purchase your event tickets, chance raffle and iPad raffle tickets to the annual fundraiser online. This year we will be celebrating community stewardship and will be highlighting the newly completed Spicket River Greenway. Come join us for EcoArt, chance raffle, silent auction, delicious food, great music and more! It's not too late to become an event sponsor, so if you are interested, click below. If you have any questions about Glow Gala, please contact Amanda.

Buy tickets >>
Become an event sponsor! >>

 

 

 

 

 

Deadline for EcoArt extended!

If you have a piece of EcoArt in mind or almost created but you thought you were out of time, you are in luck! We have extended our deadline to Tuesday November 13th. If you have any questions, please contact Rosa. 

 

Learn more >>

 

 
 

GWL Logo

Groundwork Lawrence
60 Island Street, 3rd Floor
Lawrence, MA 01841
T: 978.874.0770
F: 978. 974.0882
www.groundworklawrence.org 

Check out these amazing before and after wedding gown photographs from Daisy Cleaners

Please call Daisy Cleaners for all of your dry cleaning needs at 1-603-898-5381. Look at the amazing job they did with this wedding dress

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