Halloween safety tips

Halloween safety tips

 

Halloween is this coming Tuesday.  Are you prepared?

Here are some Halloween safety tips to keep in mind as you’re out trick or treating with your kids.  Make sure to follow these to ensure a safe holiday.

reprinted from Improvements.com

10 Trick or Treat Safety Tips:

  1. Go During Safe Trick Or Treat Times
    You don’t have to wait until it is pitch-black outside to go trick-or-treating. A good trick or treat time is right after an early dinner and just before dusk when you can keep better track of your children and you are able to see the others that you encounter on the street. Besides, if you are the first person there, you will have the best selection of candy!
  2. Steer Clear Of Masks
    While masks are a fun part of many costumes, do your best to recreate the mask with face paint. Having a mask on can sometimes impair the vision of the child wearing it.
  3. Be Visible
    If your kids will comply, choose costumes that are brightly colored so that they are easier to see in the dark. If they really want a dark costume, apply some reflective strips to their costume. You could also have them wear glow necklaces or carry glow sticks and flashlights.
  4. Never Go Alone
    It is important that your children have an adult chaperon at all times while trick or treating. You should also discreetly add some emergency identification information such as the child’s name, address & phone number to their costume or on a bracelet in case your child happens to get separated from the group.
  5. Walking Tips
    Be sure that your children understand simple traffic rules, such as stopping and looking both ways before crossing the street, and staying in a crosswalk if one is available. If you have to cross at a light, make sure you have the proper “walk” signal before you proceed. Inform your children that they should never assume that they have the right away when crossing the street, especially at night on Halloween.
  6. Knock On Doors That You Know
    Encourage your children to only trick-or-treat at homes where they know the inhabitants. If they know everyone on the street, except for one house, they could ask the neighbors about that one house. If a home is dark or has no Halloween decorations, that is typically a good sign that they are not up for trick-or-treaters.
  7. Don’t Go Inside
    Trick-or-treaters always seem to run across a house or two where someone invites them to “come in”. Remind your little ones that they should never go inside anybody’s home while trick-or-treating. They can easily get the candy they seek from the porch or if the homeowner is persistent, inform them to simply turn and walk away.
  8. Stay On Track
    It might be tempting to take a short cut through an alley or cut through someone’s yard, but that can sometimes pose a danger. Stay on streets and in neighborhoods that are well lit and where there are plenty of people around.
  9. Say No!
    If you’re children are old enough to trick or treat in a group without you, be sure and designate a time for their return. Teach your children that if a stranger offers to give them a ride or take them to a Halloween Party, they should say “no”.
  10. Taste-Testing Patience   Trick or treating is for gathering candy, not eating it as they receive it. Pack a goody bag with some of your own Halloween candy so your kids have something to snack on if they just can’t wait until they get home.

 

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

reverse mortgage

reverse mortgage

Who Qualifies for a Reverse Mortgage?

A  reverse mortgage is a unique financial instrument designed to benefit property owners age 62 and older. Though we help individuals with all types of loans, Miami-based Strock & Tanner Mortgage specializes in a reverse mortgages.  Clients for a reverse mortgage are seniors searching for a way to tap their home’s equity without having to repay the loan while they still live in their home.

How does a Reverse Mortgage work?

A reverse mortgage pays you by returning you the equity in your home. You do not have to repay the proceeds until death. So, you may live in the home comfortably without making mortgage payments. You are still responsible for insurance and taxes. Many Florida seniors are you using a Florida reverse mortgage today in order to offset their retirement. This tool allows for the optimum quantity of flexibility to resolve your specific financial requirements and needs.

Say, for instance, you need to pay healthcare expenses or any other regular payments to help subsidize your monthly income and earnings. Unlike standard and traditional home equity loans, you do not have to repay a reverse mortgage until you die.  You must continue living in this house, however.

Why Work with Mario Quintero

Is a reverse mortgage right for you?  Have a look at your options with the help of Mario Quintero of STC Loans. Mario has been in the reverse mortgage business since 2002. Mario’s experience is tested and true. Mario has helped thousands of clients secure and supplement their retirement through a reverse mortgage.

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let me be both your trusted Miami realtor and Miami mortgage broker.

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.

 

 

 

Friday the 13th History

Friday the 13th History

reprinted from History.com

The History of Friday the 13th

Long considered a harbinger of bad luck, Friday the 13th has inspired a late 19th-century secret society, an early 20th-century novel, and a horror film franchise.   Additionally, it has inspired not one, but two unwieldy terms—paraskavedekatriaphobia and friggatriskaidekaphobia—that describe fear of this supposedly unlucky day.

Just like walking under a ladder, crossing paths with a black cat or breaking a mirror, many people hold fast to the belief that Friday the 13th brings bad luck. Though it’s uncertain exactly when this particular tradition began, negative superstitions have swirled around the number 13 for centuries.

While Western cultures have historically associated the number 12 with completeness (there are 12 days of Christmas, 12 months and zodiac signs, 12 labors of Hercules, 12 gods of Olympus and 12 tribes of Israel, just to name a few examples), its successor 13 has a long history as a sign of bad luck.

The ancient Code of Hammurabi, for example, reportedly omitted a 13th law from its list of legal rules. Though this was probably a clerical error, superstitious people sometimes point to this as proof of 13’s longstanding negative associations.

Fear of the number 13 has even earned a psychological term: triskaidekaphobia.

According to biblical tradition, 13 guests attended the Last Supper, held on Maundy Thursday, including Jesus and his 12 apostles (one of whom, Judas, betrayed him). The next day, of course, was Good Friday, the day of Jesus’ crucifixion.

The seating arrangement at the Last Supper is believed to have given rise to a longstanding Christian superstition that having 13 guests at a table was a bad omen—specifically, that it was courting death.

Though Friday’s negative associations are weaker, some have suggested they also have roots in Christian tradition: Just as Jesus was crucified on a Friday, Friday was also said to be the day Eve gave Adam the fateful apple from the Tree of Knowledge, as well as the day Cain killed his brother, Abel.

An important milestone in the history of the Friday the 13th legend in particular (not just the number 13) occurred in 1907, with the publication of the novel Friday, the Thirteenth written by Thomas William Lawson.

The book told the story of a New York City stockbroker who plays on superstitions about the date to create chaos on Wall Street, and make a killing on the market.

The horror movie Friday the 13th, released in 1980, introduced the world to a hockey mask-wearing killer named Jason, and is perhaps the best-known example of the famous superstition in pop culture history. The movie spawned multiple sequels, as well as comic books, novellas, video games, related merchandise and countless terrifying Halloween costumes.

In more recent times, a number of traumatic events have occurred on Friday the 13th, including the German bombing of Buckingham Palace (September 1940); the murder of Kitty Genovese in Queens, New York (March 1964); a cyclone that killed more than 300,000 people in Bangladesh (November 1970); the disappearance of a Chilean Air Force plane in the Andes (October 1972); the death of rapper Tupac Shakur (September 1996) and the crash of the Costa Concordia cruise ship off the coast of Italy, which killed 30 people (January 2012).

Get in Touch with Mario, Your Miami Realtor

Don’t let Friday the 13th scare you.  I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage..

Call me today at 305-598-1600 or contact me here. Let’s find your dream home!

 

 

Miami Fall Activities

Miami Fall Activities

Miami Fall Activities

It’s officially the fall season in Miami.  And while it may still be hot, it’s less hot and less humid.  Like many others, you’re probably looking for ideas of things to do during the fall.  Below, we offer a link to Miami fall activities around town.

The fall edition of places to visit across Miami features a few additional outdoor offerings as our stifling summer temperatures begin to dissipate, paving way for the most spectacular “winter” in the country.

The following 26 locations chosen by Curbed editors feature the city’s most iconic buildings, parks, public art, events and more for you to visit. Did we look past your favorite Miami gem?

To access Curbed Miami’s List of the top 26 locations to visit in Miami during the fall months, have a look at this link here.

Additionally, tomorrow is the first Saturday of the month.  If you’re looking for something fun and free to do with your family this weekend, why not visit The Gold Coast Railroad Museum?  It’s is FREE the first Saturday of every month. Why not check it out?

Why Work with Mario Quintero

Interest rates continue to be at historically low levels.  Fall is a great time to buy a house in South Florida.  Are you in the market for a property? Are you having trouble finding an affordable property? I help people reach their goals. Whether you want to sell or buy for the first time, refinance your existing loan, purchase an investment property, TODAY is your moment. Have a look at your options with the help of Mario Quintero of STC Loans. Mario has been in the Miami real estate and mortgage business since 2002. His experience is tested and true. Mario has helped thousands of clients reach their home ownership goals,

Because of this, let me be both your trusted Miami realtor and your Miami mortgage broker.

Get in Touch with Mario, Your Miami Realtor

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage..

Call me today at 305-598-1600 or contact me here. Let’s find your dream home!