Do You Ever Wonder...The Hallmark Abstract Service Podcast – Détails, épisodes et analyse

Nicole Perrone: Mortgage Industry Leader & Billion Dollar Banker Podcast Host | Embracing Innovation & Growth in Real Estate

Nicole Perrone, creator and host of the Billion Dollar Banker podcast, is not only an exceptional voice in the mortgage industry but a highly successful Senior Mortgage Loan Originator at Cross Country Mortgage. 

She’s passionate about the need for a growth mindset, social connections, and learning from challenges. 

Her approach? Adapt and innovate. Nicole's strategies embrace the latest tools, including AI, to create value and stay ahead of changes in the marketplace.

As rates rise, affordability declines, and the 30-year mortgage has spiked from 5.89% to 7% following a Fed rate cut in September 2024.

Despite these challenges, Nicole empowers buyers with insights on navigating the current mortgage landscape and getting transactions closed.

Subscribe to Billion Dollar Banker for more real estate and finance insights, and learn how Nicole is helping homebuyers overcome obstacles in this demanding market.

Subscribe to Billion Dollar Banker on YouTube here https://www.youtube.com/@billiondollarbanker/videos

If you'd like to reach Nicole Perrone with a mortgage question, or a Billion Dollar Banker podcast question, contact her...

Email: nicole.perrone@ccm.com
Mobile: (732) 740-9359
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Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the podcast with your friends.

Subscribe to Do You Ever Wonder on YouTube here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQ

Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share

Do you have a great story to tell?

Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com.

The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service, and hosted by its CEO Mike Haltman.

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Hallmark Abstract Service...You Buy Real Estate, We Protect It!

Questions about the podcast, NY title insurance, or the RE transaction process? 

Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com.

Annie Nelson's story is a powerful testament to resilience, faith, and service.

From her roots in Minnesota to founding The American Soldier Network (ASN), Annie has dedicated her life to supporting veterans and their families. 🎖️

Her journey began with a chance pen pal friendship with a wounded Marine in 2004, which inspired her life's mission.

Despite overcoming personal battles, including multiple concussions and life-threatening surgery, Annie continues to advocate for veterans through initiatives like RuckUp.org, her TV series "American Heroes", and her book "RESILIENCE: Coming Back From Crisis with Faith, Passion & Purpose".

This is the story of how Annie turned her challenges into a mission to inspire and uplift others. 🙌💪

Watch now to learn about Annie's remarkable journey and how she’s making a lasting impact on the veteran community! 🇺🇸
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Please subscribe to Do You Ever Wonder using the two links below, and don't be shy about sharing the links with your friends.

Subscribe to Do You Ever Wonder on YouTube here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQ

Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share

Do you have a great story to tell?

Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com.

The Do You Ever Wonder podcast is brought to you by New York title insurance provider Hallmark Abstract Service, and hosted by its CEO Mike Haltman.

_______________________________________________

Hallmark Abstract Service...You Buy Real Estate, We Protect It!

Questions about the podcast, NY title insurance, or the RE transaction process? 

Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com.

#AnnieNelson #VeteranSupport #Resilience #AmericanSoldierNetwork #RuckUp #Inspiration #VeteranAdvocate #AmericanHeroes #OvercomingAdversity #FaithAndPurpose #VeteranStories #VeteransHelpingVeterans

The Term Gen Z Will At Times Conjure Up Some Negative Connotations!

But like every generalization, the facts will tell you the actual story that this is not always the case.

The Do You Ever Wonder podcast had the opportunity to speak with a prime example of a Gen Z'er who is the epitome of hard work, perseverance, drive, ambition, and an eye on the career prize...JT Marting.

Podcast host Mike Haltman was introduced to JT through the social media platform X aka Twitter, and more specifically on X the hashtag there #retwit.

The 'members' of the #retwit community on X comprise some of the biggest national names in CRE who work in many different areas and sectors of the commercial real estate market including investment sales, insurance, development, construction, cost segregation, leasing, finance, and so much more.

JT Marting, going by the moniker Real Estate Rookie on X, is a student at Florida State who throughout his college career has done significant work and learning as an intern at six real estate firms in various areas and sectors.

Through the generosity of Geoffrey Stevens who has set up an organization that provides scholarships to Florida college students who show an interest in the real estate industry, JT has been able to further his real estate education and at the same time continue to make great connections!

But by participating on X, JT has met and become close to some of the biggest names in CRE like The GOAT Bob Knakal, Dan Tepman (Strip Mall Guy), and serious up-and-comers in commercial real estate such as Faraz Cheema.

So much so that JT was invited to the X Gala, an event limited to 200 CRE attendees from around the country that was held at Peak With Priceless in Hudson Yards. If you're involved in the commercial real estate market, X Gala was among the most coveted tickets!

So meet JT Marting and take away from him the fact that there is hope for the future!
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Subscribe if you like what you see and hear...

Please subscribe to the Do You Ever Wonder podcast using the two links below, and don't be shy about sharing the links with your friends.

YouTube: Subscribe to Do You Ever Wonder here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQ

Streaming: Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share

Do you have a great story to tell?

Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com.
_______________________________________________

Hallmark Abstract Service...You Buy Real Estate, We Protect It!

Questions about the podcast, NY title insurance, or the RE transaction process?

Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com

New York City's Population Is Dropping 2.49% Annually!

That's a big number with the percentage change from 2020-2024 sitting at 9.26%

We know that the reasons for leaving range from cost of living, crime, overall quality of life, and most certainly, the invisible hand of state and local governments taking an ever-growing amount of money from us through taxes.

So where are these former New Yorkers going?  Many are going to states with more reasonable taxing policies including Florida, Texas, Washington, Wyoming, Tennessee, Alaska, South Dakota, and New Hampshire.

But establishing citizenship in another state is not as easy as living there, with serious proof, for 6 months and a day per year.

These state governments facing a loss of population do not take the situation lightly, and will jump through hoops to disprove your new domicile claim.

You Need To Consult With An Expert!

Enter Chaves, Perlowitz, Luftig Special Counsel Marisa Friedrich, an expert in the area of Tax Controversy.

In our conversation Marisa and I touched on many subjects surrounding the emigration to other states, along with what has to be proven to the auditors so that no demand for taxes is made.

Change of domicile...

The burden of proof falls on the taxpayer, not the government, and for New York State five primary factors need to be proven for the domicile to be considered changed...

1. Home: An auditor's examination of an individual's "home" will consider the person's use and upkeep of their New York residence in comparison to their residence outside of New York. When a taxpayer purchases a new home in another state and maintains multiple residences, including at least one in New York, this factor becomes more complex to assess. In ambiguous cases, an auditor will evaluate the use of multiple homes based on the following criteria: (a) size of the residence; (b) value of the residence; (c) nature of use; and (d) other relevant home features.
2. Active Business Involvement: Taxpayers who are heavily involved in or have substantial investments in a New York trade, business, occupation, or profession will find this factor challenging during an audit and should prepare accordingly.
3. Time: This factor involves analyzing where and how an individual spends their time throughout the year, comparing the time spent in New York with the time spent elsewhere.
4. Items of Sentimental Value: This primary factor seeks to identify the location of items with significant sentimental value, such as family heirlooms, artworks, book collections, and personal items that enhance quality of life.
5. Family Connection: Due to its intrusive nature, the "Family Connection" factor is only considered when the first four primary factors do not clearly and convincingly indicate the taxpayer's intent. This factor generally focuses on the taxpayer's immediate family, such as a spouse or partner and any minor children. A key element is the location of the schools attended by the taxpayer's minor children.

If you are thinking about a change in your New York domicile status or are in the middle of a change, you would be well served to speak with an expert on the subject like Marisa Friedrich at Chaves Perlowitz Luftig!

To contact Marisa...

Email: mfriedrich@cpllawfirm.com

Phone: (212) 791-3747

CPL Website: https://cpllawfirm.com/

The Do You Ever Wonder podcast is a creation of Hallmark Abstract Service and is hosted by its CEO Michael Haltman.

Hallmark Abstract Service...You Buy Real Estate, We Protect It!

Visit us at https://www.hallmarkabstractllc.com

Introducing The Heroes To Heroes Foundation!

Heroes To Heroes Foundation brings our American heroes from suicidal ideation to community reintegration!

Michael Haltman, CEO of Hallmark Abstract Service and Host of Do You Ever Wonder, recently engaged in a discussion with Ron Gold on The Nonprofit Voice radio show aired on Long Island News Radio 103.9 FM.

The focal point of their conversation was the impactful work of the Heroes To Heroes Foundation, a non-denominational 501(c)(3) organization dedicated to successfully saving combat veterans grappling with moral injury upon returning home and facing a significant risk of suicide.

Discover how this foundation provides crucial support to veterans' mental well-being and its mission to alleviate the plight of those who served.

Heroes To Heroes Foundation...

Heroes To Heroes Foundation is a $1MM charity, providing donors of any amount the ability to make a huge impact on our mission.

As an overview, the mission is successfully saving vets returning home suffering moral injury, and who live at serious risk of death by suicide. Our 12-month curriculum focuses on peer support, spiritual reawakening, and reconnection to faith.

Heroes To Heroes Foundation brings these American heroes from suicidal ideation to community reintegration!

HTH is 4-Star Charity Navigator-rated and the efficacy of our program has been validated by a long-term study conducted by Dr. Joseph Currier, a leader in the area of moral injury at the University of South Alabama.

A key to our program is a 10-day Team journey to Israel towards the middle of the year-long program, critical for the peer support, spirituality, and reconnection to faith pieces of our mission. In Israel, the vets travel with 3 members of the IDF who are suffering in much the same way.

These are links for more information.

Video of program participants on the ground in Israel: https://youtu.be/6fid2ZpTbWo?si=d586zNbHpynnJ9WS

An article I wrote about the organization: https://www.hallmarkabstractllc.com/?p=6231

HTH website: https://heroestoheroes.org/

14th Annual HTH Golf, Tennis, and Pickleball Classic: https://heroestoheroes.networkforgood.com/events/69266-heroes-to-heroes-14th-annual-golf-tennis-pickleball-outing
 
Please let me know if you have any questions or would like to speak in more detail.

Mike Haltman
Email: mhaltman@hallmarkabstractllc.com
Mobile: (516) 741-4723

On April 5, 2024, A 4.8 Magnitude Earthquake Hit The Northeast (at the 22:50 mark of the podcast)!

The shaking, in an area not normally considered earthquake-prone, serves as a reminder of just how vulnerable we are as humans to the unexpected.

Because of this fact, and the normal occurrence of death due to age or sickness, it's important to understand the process of funerals.

And who better to speak with than Adam Novak, Director of Jerusalem Memorial Chapels on Long Island, about Jewish funeral services. 

Some of the topics we discussed...

• With most kids wanting to be professional athletes, police officers, or firefighters, how Adam Novak became the owner of a funeral home,
• How the funeral home business has changed over the years,
• The path that the deceased takes from the place of death to arriving in the chapel,
• How the physical look of a funeral home can impact the overall feeling that a family and the mourners have,
• Dealing with a family and the empathy and compassion that is needed,
• Technological advances,
• The cost and pricing of a funeral,
• Pre-paid funerals and how they work,
• How one funeral home differentiates itself from the 'competition',
• Community involvement,
• Environmental factors,
• And much more!

Some of the basics of Jerusalem Memorial Chapels Concierge Service

- 24/7 personalized support & guidance from a licensed Jewish Funeral Director
- Clear and Easy to Understand Pricing
- A modern sanctuary designed to inspire and increase connection with natural finishes and light-filled, open-air spaces
- A convenient and central location for Jewish funeral services with easy access to the cemeteries in Suffolk and Queens
- Serving all Cemeteries in Metropolitan NY
- Member NYS Funeral Directors Association and NYS Pre-Plan

If anyone would like to reach Adam...

Website: www.jmchapels.com
Phone: (516) 418-7000
Email: adam@jmchapels.com
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Please subscribe to the Do You Ever Wonder podcast, and don't be shy about sharing the links with your friends.

YouTube: Subscribe to Do You Ever Wonder here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQ

Streaming: Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share

Do you have a great story to tell?

Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com.
_______________________________________________

Hallmark Abstract Service...You Buy Real Estate, We Protect It!

Questions about the podcast, NY title insurance, or the RE transaction process?

Let Hallmark Abstract Service know at (646) 741-6101, info@hallmarkabstractllc.com, or our website https://www.hallmarkabstractllc.com.

A Charity Working To Help Cubans Living In Poverty!

'According to a 2022 report from the Cuban Human Rights Observatory (OCDH), 72 percent of Cubans live below the poverty line. 21 percent of Cubans who live below the poverty line frequently go without breakfast, lunch or dinner due to a lack of money.'

And while many people in America are suffering in much the same way, for Cubans who have come to the U.S. the plight of their brethren who remain in Cuba is often top of mind!

Enter Chazz Menendez who came to America in 1963 with his pregnant mother, as the still unborn child she was carrying.

I was introduced to Chazz by his and my good friend Valerie Smaldone (Do You Ever Wonder https://youtu.be/lckkDJfc9mM?si=RF1QwyvdtDcIcWWs) who felt that he had an important story to tell. Indeed he does!

Chazz, in the spirit of giving back to the United States volunteered on the World Trade Center pile for two days, September 12th and 13th 2001.

After adopting two sons, he was forced to retire from his career as a stunt man due to WTC pile-induced Stage 4 brain cancer.

But wanting to give back to Cuban citizens living in poverty, he recently founded the charity SupportCubans.Life with the tagline 'People Caring For People'.

Watch a short video about it here, https://youtu.be/kZg9zp16V7M?si=MSa7riqb9foMlyST.

In it, Chazz describes what SupportCubans.Life does, and how you can help.

This is the Mission Statement, '“SupportCubans.LIFE” is a grassroots, humanitarian nonprofit organization that raises money for our team of volunteers to travel to Cuba and also asks people to donate used and new essential products and ship these donations to our storage facility so that our team of volunteers can hand-deliver these donations. '

Our travel team member volunteers visit and stay in these impoverished areas to connect with these communities on a personal level and to make sure the people receive these donations. 

The People of Cuba are in dire need of your donations.'

If you want to reach Chazz his email address is dublezz@gmail.com, and if you have items you would like to send, this is the address:

CubeSmart Self Storage
C/O SupportCubans.LIFE
111 Cedar Street,
New Rochelle N.Y. 10801

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Please subscribe to the Do You Ever Wonder podcast, and don't be shy about sharing the links with your friends.

YouTube: Subscribe to Do You Ever Wonder here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQ

Streaming: Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share

Do you have a great story to tell?

Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com.
_______________________________________________

Hallmark Abstract Service...You Buy Real Estate, We Protect It!

Questions about the podcast, NY title insurance, or the RE transaction process?

Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractl

While It May Not Be The Sexiest Of Subjects, In Today's Real Estate Market Who You Choose To Arrange Your Mortgage Is Critical!

The Do You Ever Wonder podcast had the opportunity to speak with Lauren Pastore at Contour Mortgage who is a loan originator and sales manager with over 25 years of experience in the mortgage market.

And, looking back over the past couple of decades, Lauren has not only survived but has thrived through many different real estate and mortgage rate environments.

Today's Residential Real Estate Market

Today buyers are facing the proverbial 'seller's market' despite the fact that 30-year mortgage rates have climbed from the Covid-era 2 % or 3% handle to the current 6%+.

Lack of home inventory is a key factor!

On March 20, 2024 when the Federal Reserve's Jerome Powell speaks post-Fed meeting, the real estate market will get more direction concerning where mortgage rates head from here.

That being said, potential purchasers need to put their best foot forward when making an offer and besides the price, sellers will look to make sure that a mortgage will not stand in the way of closing the transaction.

One alternative is to pay cash, but if a mortgage is being arranged it is critical to work with a lender AND a loan consultant who knows how to get it done!

Many in the mortgage market with a track record and proven expertise can do the job. We have met them and worked with them through the years.

But today's guest Lauren Pastore is truly impressive given her deep and thorough knowledge of mortgage products, what best suits her clients, incredible attention to detail that ensures a smooth loan process, and finally her ability to help a potential borrower improve the statistics that will ultimately lead to an underwriters decision! 

Some areas we touched on include...

• Pre-Qualifications vs Pre-Approval vs Fully Underwritten Pre-approval,
• Programs for qualified buyers that can lower the mortgage rate by a significant amount,
• The importance of choosing a loan originator carefully,
• The role of a loan originator,
• Overcoming obstacles in the mortgage loan process,
• And much more!

How can you reach Lauren Pastore?

Email: lpastore@contourmortgage.com
Phone: 516-385-6759
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Subscribe if you like what you see and hear...

Please subscribe to the Do You Ever Wonder podcast using the two links below, and don't be shy about sharing the links with your friends.

YouTube: Subscribe to Do You Ever Wonder here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQ

Streaming: Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share

Do you have a great story to tell?

Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com.
_______________________________________________

Hallmark Abstract Service...You Buy Real Estate, We Protect It!

Questions about the podcast, NY title insurance, or the RE transaction process?

Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com

The NonProfit Voice on LI News Radio,  103.9 FM!

Saturday, March 2nd, Mike Haltman appeared on The NonProfit Voice hosted by Mike LiPetri and Ron Gold! The Nonprofit Voice airs every Saturday morning on 103.9 FM from 8:00am to 9:00am and it seeks to feature inspiring Long Island residents who give back.

The Combat Veteran Heroes To Heroes Foundation
 
(If after reading or listening you have questions or might like to learn about getting involved with Heroes To Heroes, reach out to Mike Haltman at mhaltman@hallmarkabstractllc.com)

In addition to his role as CEO of New York title insurance provider Hallmark Abstract Service, Mike also has the honor of serving as Board Chair of the nondenominational combat veteran 501(c)(3) Heroes To Heroes Foundation.

Heroes To Heroes Foundation successfully saves vets who return home suffering moral injury, and live at serious risk of death by suicide.

Its one-year program moves these American heroes from suicidal ideation to community reintegration!

Heroes To Heroes achieves its outstanding results utilizing peer support, spiritual awakening, and reconnection to faith. At the mid-point of the yearlong program, Team Journeys will travel to the Holy Land, Israel. Key to the healing process, the vets visit the holiest sites of many of the world's major religions while traveling with 3 IDF soldiers who fully understand, and often suffer, from the same plight of moral injury.

The efficacy of the 4-Star Charity Navigator Heroes To Heroes Foundation mission was affirmed through a study conducted by a team headed by Dr. Joseph Currier at the University of South Alabama. The study included both a long-term and cross-sectional study of our outcomes. The study white paper was published and is available upon request (mhaltman@hallmarkabstractllc.com). Dr. Currier is one of the foremost experts in the area of moral injury.

The Nonprofit Voice at LI News Radio is the only local radio show dedicated exclusively to our local nonprofit organizations. Our guests join us from large, small and start-up nonprofit organizations in the New York area about how they directly benefit our community.

The Do You Ever Wonder Podcast Welcomes Tina Miraglia, Real Estate Partner/Member of the Firm DL Partners!

Representing major national developers, Tina knows the ins and outs of defending the legal position of those who are building projects, and who will be selling units to individuals and investors before and after project completion.

As an attorney representing a sponsor of a new construction multifamily building in NYC, particularly one involved in selling units, Tina addresses a variety of legal issues to protect her client's interests. Some of these issues may include:

1. Contract Drafting and Negotiation: Drafting and negotiating contracts with contractors, architects, and other parties involved in the construction process to ensure favorable terms and protect the sponsor's interests.
2. Regulatory Compliance: Ensuring compliance with NYC building codes, zoning regulations, environmental laws, and other regulatory requirements throughout the construction process.
3. Title and Property Rights: Conducting thorough title searches, resolving any title issues, and ensuring clear property rights for the sponsor and future buyers of the units.
4. Financing and Securities Laws: Advising on financing options, structuring loan agreements, and complying with securities laws if the sponsor is raising capital from investors to finance the project.
5. Construction Contracts and Liabilities: Reviewing and negotiating construction contracts to protect against potential disputes, delays, cost overruns, and liabilities during the construction phase.
6. Sales Contracts and Disclosures: Drafting sales contracts and disclosure documents for unit buyers, ensuring compliance with applicable laws and regulations, and disclosing any material defects or risks associated with the property.
7. Condominium or Cooperative Conversion: Assisting with the conversion of the multifamily building into condominiums or cooperatives, if applicable, including drafting offering plans, bylaws, and other legal documents.
8. Tax Considerations: Advising on tax implications for both the sponsor and unit buyers, including property taxes, transfer taxes, and potential tax incentives or abatements.
9. Warranties and Insurance: Negotiating warranties from contractors and subcontractors, advising on insurance coverage for the construction project and the units, and addressing any insurance claims or disputes.
10. Dispute Resolution and Litigation: Representing the sponsor in legal disputes, including construction disputes, contract disputes, and any litigation that may arise during or after the construction process.

How can you reach Tina Miraglia?
Email: bmiraglia@dlpartnerslaw.com
Phone: (212) 564-9800 Ext: 401
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Please subscribe to the Do You Ever Wonder podcast using the two links below, and don't be shy about sharing the links with your friends.

YouTube: Subscribe to Do You Ever Wonder here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQ

Streaming: Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/share