Hello, residents of Allerton (10467)! Today, we are going to explore the vibrant neighborhood of Allerton, located in the Bronx.

Allerton is an thriving community that provides an exceptional blend of residential living and commercial opportunities. It is home to a multicultural population, bringing to the richness of the area.

A highlight features of Allerton is its convenient location. Situated in the northern part of the Bronx, this neighborhood benefits from great transit options, making it simple to navigate the city. Residents can conveniently access Manhattan and other parts of the Bronx through the subway system, buses, and major highways.

When it comes to housing options, Allerton provides a variety of choices. From charmingly restored townhouses to generous flat complexes, there is an option for everyone. The affordable housing options make it appealing for families and young professionals looking to settle down in a secure and welcoming community.

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Allerton also boasts a variety of retail and dining experiences. The commercial corridors are filled with independent stores, restaurants, and specialty shops that provide a range of goods and cuisines. Whether you’re craving tasty Italiano pizza, authentic Mexican taquería, or discovering unique boutique shops, Allerton has it all.

For nature enthusiasts and nature lovers, Allerton provides plenty of parks and recreational amenities. The Bronx Park, including its lush meadows and trails, provides a peaceful escape from the bustle and bustle of the city. This park is ideal for picnics, running, or simply taking a leisurely stroll.

Allerton also places a strong emphasis on learning. Nearby schools offer outstanding educational opportunities for children of all ages. Residents takes pride in encouraging academic achievement and providing support for students to thrive.

In conclusion, Allerton (10467) is a diverse, lively, and exciting community in the Bronx. With its convenient position, affordable housing options, varied shopping and dining scene, wealth of green spaces, and focus on education, it offers an excellent location to call home. Residents benefit from the best of both worlds: a tight-knit neighborhood vibe with access to the buzz of the city.

Top 5 Tips on donning and doffing an N95 Mask

OSHA standards regarding respiratory protection have been the most frequently broken. Companies fail to address this issue because they don’t have a well-written respiratory protection program for employees. Because of this, employees are often exposed to harmful airborne particles. This could put their lives, health, and safety at risk.

Makeshift Masks

It is clear that even handkerchiefs and scarfs cannot protect you from small particulates and smoke in the air. This has led to scientists in environmental health and health creating an n95 mask that protects outdoor workers and emergency personnel. In addition, specific organizations and government units have also proposed tips and advice for effectively wearing a n95 mask .

5 Tips

Here are some of their suggestions:

Tip #1: Go for NIOSH Approved Masks

There are a lot of masks to choose from on the market, but the NIOSH-approved ones are usually the most effective when it comes to blocking out minute particles in the air. For instance, the n95 mask , N99 mask, and N100 mask are the most common. These masks have straps that ensure the mask will be perfectly mounted to your face.

Tip #2: Be Sure that the Masks Fits Your Face Perfectly

The mask should fit snugly around the nose to prevent any smoke or other contaminants from entering the mask’s interior. Many mask shops allow you to try the mask before purchasing. A loose mask will do you no good when it comes to respiratory protection.

Tip #3: Make Reading a Habit

The manufacturer provides a comprehensive user manual or instructions with all masks. It pays to read the instruction before applying the mask. The instructions also provide information about how to use the mask. This can help you maximize the benefits of the equipment.

Tip #4: Get Rid of Your Full Beard When Wearing an N95 Mask

A full beard can reduce the effectiveness of a dust mask or respirator. OSHA recommends wearing dust masks on a clean-shaven face since facial hair can come between the sealing surfaces, thus hindering a perfect fit and increasing the risk of breathing in dust particles, viruses, or other harmful contaminates.

Tip #5: Change Your Mask Frequently

The N95, N99, and N100 disposable respirators are only designed for single-use. Because the filter on respirator masks can become blocked from daily use, protection against harmful particles becomes less effective. When the mask is used for more than 8-10 hours, it can make breathing difficult. When you are done with the mask, it is better to toss it and put it away for the next day.

Conclusion

One of the best ways to ensure that our health stays at its best is through the proper wearing of protective clothes and masks that are intended for your particular activities. Following these tips will ensure the effectiveness of the respirator will help to keep yourself protected and healthy. For more information or to purchase an n95 mask , visit our website at www.bielcor.com.

Real Estate Short Sale Investing

Before I begin, you should know my name is Ross Treakle and I interview real estate investors as part of my job.  In each interview I try and pick and pry at each investor to get the highest quality information so that my subscribers can hear up to date, high content interviews.

Below I have taken an exert from the very first interview I ever conducted.  I conducted this interview with my brother, Graham “Mr. Banker” Treakle.  Graham is a short sale investor with special insider knowledge as he has worked in some of the nation’s largest banking institutions. Florida USDA Loans!

I always start off every interview asking the speaker to speak briefly about there particular area of expertise.  Below is Graham’s answer to what a short sale is and why banks accept short sales.

“We’ll go over the numbers, Ross. A short sale is pretty simple. If you have a property that’s worth $150,000 and let’s say it has a first mortgage for $100,000 and a second mortgage for $40,000-what that means is the total debt on that property, or the total mortgages, is $140,000. Being a real estate investor, I wouldn’t want to buy a $150,000 house for $140,000. It doesn’t make sense. Maryland Mortgage Rates!

A short sale is when you get the bank to not take $140,000, you get them to take less, like $110,000. The banks are going to do this for several reasons. First, they’re going to have a lot of expenses that are associated with a foreclosure. They’re going to have realtor’s costs, foreclosure costs, holding costs, repair costs-they’re going to have all sorts of fees associated with a foreclosure.

Inevitably, the bank is only going to recoup somewhere around 70% of the value of the property. That’s why banks will take short sales on foreclosures. The natural follow-up to that is, “Why are foreclosures such a hot commodity right now, and why is there a lot of buzz about them?” There are several reasons to that too, and it’s really scaring the banks right now.

The first one is: when I was at the bank and someone had equity in their home and I found out they had equity, I would call them up and say, “Hey, Mr. Smith, I see you have $30,000 in equity in your home. How would you like to get a home equity line of credit?” Or, “How would you like to pay off that car with a home equity loan?”

So banks are constantly calling these homeowners to use equity in their home because there are some potential tax savings in structuring your finances that way. That’s one of the things.  FHA Florida!

Secondly, inflation is outpacing wage growth. That means what it takes for you to buy milk and eggs today is going to increase faster than how much your earnings are going to increase on average. For instance, if you have someone who’s making $100,000 a year, let’s say inflation is 3% and your raise every year is 1.5%. So inflation is growing at twice the rate your salary is. That’s another component. That means folks are earning less and less, relative to the goods they’re going to have to buy.

The next thing is that a lot of folks may recall this brief refinance boom we’ve been going through, which is pretty important. People went out and got a lot of mortgages called “Adjustable Rate Mortgages,” which have an extraordinarily low interest rate to start, let’s say 3% in some cases. But in a couple of years, maybe two to five, depending on the term of the Adjustable Rate Mortgage, their rate is going to go up, it’s going to adjust upward.

So people went out and bought more house than they could normally afford, or they refinanced, got the low payments, and bought a car that they couldn’t afford if their payment had to adjust upward. What’s going to happen here in the next two to five years is that all of these ARMs are going to be adjusting upward, and that’s pretty critical because people aren’t going to be able to afford them.

They aren’t going to be able to afford them because they didn’t count on it, and also because inflation is outpacing wage growth. All of this sounds great, but you may say, “How is that going to affect my business?” 

Here’s the way it affects your foreclosure real estate business. If you’re in a judicial foreclosure State, where properties that are in foreclosure go through a judicial process before a foreclosure is complete; or a non-judicial foreclosure State, where the properties go through a trustee as they’re going through a foreclosure-you’re going to see less and less equity in these properties. 

So if you know, like I said earlier, that banks are going to take short sales because of the numbers-meaning they have to pay all of these expenses-and the foreclosed properties aren’t going to have a lot of equity in them, you have to be able to negotiate short sales effectively if you’re going to be working in the foreclosure market. 

The foreclosure market represents the most motivated sellers. Traditionally, with motivated sellers, you’ll find really good deals. That’s why banks are going to take foreclosures on the conditions that are spurring on all these foreclosures. It’s an amazing phenomenon that we’re working on right now.

Folks might also ask about a common [inaudible]. Well, what if we’re in a real estate bubble? If we’re in a real estate bubble, that means values are going to go down, which means folks are going to owe more than what their property is worth. Again, negotiating short sales is going to be critical to your success in the foreclosure business. If we’re not in a bubble, that’s fine too.

We already [backed out] the numbers; still negotiating short sales is going to be critical to your real estate business because people are borrowing up to, and sometimes above 100% of the value of their property. Whatever way you slice it, as far as having a skill, negotiating short sales is probably, in my opinion, one of the most lucrative skills that someone can have as a real estate investor.”

I hope the above information gives you some insight into the world of real estate investing and short sales.  Graham has worked very hard at becoming an expert on this topic and is a resource you should inevitably add to your business.