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Success S av v y
Is your 4-legged companion
looking a little rough around the
edges? It’s easier than ever to
get her looking her best. D.O.G. is
now offering a mobile grooming
service, available throughout the
greater Miami area, from Brickell
to Key Biscayne and Aventura.
Just call to book, and D.O.G.’s
stylish mobile grooming van will
come right to your door. Services
on offer include baths, nails,
gland expression, ear cleaning
and blowdry, as well as haircuts,
styling and more; 786.391.0839,
DOGMiami.com. Great Start
Oysters and asparagus
are known aphrodisiacs,
but who wants to eat
them for breakfast?
Sexcereal makes for
a much more familiar
start to the day, and
might just be even more
effective of a “boost”
than traditional love-
hunting foods. The GMO-free, gender-specific formulas are packed
with high-quality energizing ingredients such as maca, black sesame
seed, ginger, camu camu and goji berries. They’re an excellent way to
get up on the right side of bed, whether or not you’ve got love on the
brain; $29 for 3, Sexcereal.com.
Miami’s economy is once again experiencing a real estate
boom, principally driven by foreign national buyers from Latin
America, Europe and Asia. However, financing has become
somewhat more difficult, especially for foreign nationals. In
some cases, buyers are sometimes counseled to purchase a
property for cash and seek bank refinancing of the property at
a later date. But is buying for cash a wise decision?
1. By paying cash, the buyer is locking large sums of capital
that can be better deployed by investing in more liquid and
potentially higher-yielding instruments. Private banks and
brokers, including our own, can offer advice and provide
options for much more attractive investment opportunities.
2. Interest rates are currently at all-time lows and are on
the rise. Any future refinance will likely be at a higher rate.
3. Refinancing at a later date will incur additional loan fees
and will make the overall transaction more expensive.
4. Refinancing at a later date will not be as attractive
since the loan to value will be in the range of 50% versus
60%-70% at time of purchase. Also, most banks will require
at least 12 months of “seasoning” which implies potentially
higher interest rates a year down the road.
ABOUT THE AUTHOR
Maria Blanco is Manager
of Residential Mortgage
Lending at Banco do
Brasil Americas. For a
consultation, contact her at
Managing your online
presence can make or
break your chances
of getting hired or
promoted. Here are
some tips for keeping
your social media
profiles in check.
50 Thousand Words
A picture can say a lot — and not all of
it is good. Keep careful watch on what
images you’re “tagged” in on Facebook
and other social media sites. If it’s not
something you want your boss to see,
remove the tag.
Remember, nothing is truly personal on
social media. Use the same standards
of grammar and spelling you would in a
professional setting, or risk looking sloppy
and careless in front of some of the
people who matter most.
Many social media outlets show the time
when posts and updates are made — so
make sure you’re not posting when you’re
supposed to be hard at work. Save that
status update for when you get home or
the following day.