Aventura & Sunny Isles Beach Luxury Real Estate

Interest rates, discount coupons, returns on your money and sales galore all use that almighty power of percentages to show you what you are saving or getting for your hard earned money. After all, we all love a good bargain and the want to get the most “bang for the buck.” The dollar certainly does not go nearly as far as it used to and it becomes a very strategic numbers game to give you the best edge possible. Whether it be store coupons, rebates or points to redeem for spending, we all need to feel we are getting more than just the dollars we earn. We seek out the best possible ways to invest our money and make plans for our futures accordingly. Be cautious for all the fine print that may include additional costs that will reduce your savings and make sure you really understand what you may have to spend in money and time to actually benefit from the supposedly great deals. The discounts never seem good enough once you factor in inflated prices, time invested, and distances you may have to go to participate in the great deals. After all, do you really need all that “stuff?” But for the savvy investor in both time and money, there are many lucrative possibilities out there for consumer products, investment opportunities, and real estate endeavors. Now unfortunately, for every side there is the “other” side and that includes what you have to pay in the form of percentages as well. Interest rates on credit cards, mortgages, late fees, increased prices, and let’s not forget your time. The rise in the costs of consumer products as a percentage of yesterdays’ amounts can be staggering. Factor in the additional fees everyone charges that most of the time is not disclosed until the very end and you start to realize how much you need the discounts and savings more than ever. Most numerical calculations are always spoken about as percentages to be able to explain the shifts in differences between past and present. It is supposed to give us a better understanding of what is being presented. Those percentages can be confusing, daunting, and often times misleading.Make sure you have a clear picture of the real numbers behind those percentages before you leap to spend or save so there are no surprises or false assumptions. Always remember that the most careful consideration should be given to the percentages of savings or expenditures of time. That my dear readers, is the percentages that should be most carefully examined.
by
Susan Koslovsky

The cycles of our lives take us through many emotional roller coasters as we reach the many milestones on our journey. When you have a family, a circle of friends, live within a community, and extend relationships into the workplace you find you are intertwined in the lives of so many people. Hopefully your core is strong within a tightly woven family structure be that large or small. That is the place from where you draw your real strength and your true passion. It is the place you can always rely on and where you turn for your truest happiness. Now imagine extending beyond your core into your circle of friends, community, and those you work with. Not only does your relationship grow between each other, but you start to share each others’ lives as well. The expression “it takes a village” takes on a whole new meaning. A phone call, an email, an invitation, are all gestures to extend yourself beyond your core to be part of a much bigger circle. We come to rely on our social network as the emotional fuel we all need to move through our cycles of life. After all, what is a wedding celebration or a birth of a baby without those around us to share our blessings? Birthday parties, graduations, and let’s not forget the sadness and tragedies we each must bear at some time or another, all need to be shared with the extended circles in our lives. When these opportunities present themselves jump in and take part whenever you possibly can. Accept an invitation, show your enthusiasm for someone else’s joy, and lend a kind word to ease your friend’s sorrow when necessary. Think twice about saying no and hesitate less when it comes to saying yes. Be part of the cycles of life of your family, your friends, and your community around you. Enjoy each others’ celebrations, feel great about each others’ blessings, and be there to comfort when the time comes. You cannot live your life as an island nor should you. The richness and satisfaction will fill your life with lots of smiles and good feelings. Just think about what it will do for all the others around you who also feel blessed to have you in their lives. Here’s to many cycles, celebrations, and as few moments of sadness as absolutely necessary.
by
Susan Koslovsky

Once upon a time, this Mima, as I am so lovingly called, was blessed with two of the most unbelievable grandsons that were ever created. After the first one was born I could only dream of how our lives would be blessed with more. Sound like a typical Grandma story? Well this story is anything but typical. As the story unfolds our second daughter gave birth 15 months later to our second grandson. I don’t believe my feet have ever touched the ground since. The boys are very different in just about every way but they are cousins for life and the mere mention of the other’s name brings forth an excitement any manufacturer would be most eager to patent. As full as my life is with family, work, friends, chores, and all the rest that we all seem to add on, there is nothing I wouldn’t do for “Mima’s boys.” They are my life and I set aside everything else when I need to and want to. In the end nothing else really matters except that unconditional love you feel when they call out your name. As the story continues, and we are getting to the good part, these two boys live next door to each other. I mean right next door. It was not planned nor expected by any sense of the imagination, but it is a Mima’s dream come true. Now it’s funny about wishes and dreams, because you discover you can have many. Your heart has a limitless capacity to love and room for each grandchild who graces your life. Nothing could be truer. This past week, we made more room in our hearts and our lives for a beautiful princess. Already a week old but she stole my heart the minute she was born. After two boys it is taking a little time to adjust to the realization that we have a little girl in our family. Soon enough she will be chasing her brother and cousin all over vying for their attention as well. Right now she does not realize how much all eyes are on her as we welcome our princess. And before she will ever know she is the only girl, another princess is soon to follow. I wish you princes, princesses, and all the room you can make in your hearts.
by
Susan Koslovsky