Facebook Groups to Join

Since there are so many groups on Facebook – you want to join the ones that will benefit you the most WITHOUT the spam! Here is our recommended list:

Here are some of our Top Groups to join:

Come join us and let me know if you have any suggestions for any of them!

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Renters Insurance in All 50 States ($7 per mo)

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Posted in Arkansas, Business, california, dallas, texas, delaware, Florida, homeowners insurance, homes, house, housing, Insurance, International Real Estate, Louisiana, Louisiana Insurance, maryland, New York, North Carolina, North Carolina Insurance, North Dakota Insurance, Pennsylvania, real estate, realtor, robertjrussell, Seniors, shopping, Texas Insurance, virginia, world, wyoming | Tagged , , | Comments Off on Renters Insurance in All 50 States ($7 per mo)

Looking for a Job on Facebook

While it’s not impossible, finding a job directly through Facebook Groups is one of the best options, as the leading group where people go to find employers and jobs. However, Facebook remains a relevant tool for job searching through other means like company pages, groups, and by optimizing your personal profile. 

Here’s a more detailed breakdown:

  • No more dedicated job board: Facebook officially retired its dedicated “Jobs” section and now people are going to specific groups like ours.
  • Company pages and groups: Businesses can still post job openings on their own company pages and within relevant Facebook groups.
  • Ads: Companies can also utilize Facebook’s ad platform to promote job postings. 

How to Find Jobs on Facebook Now:

  • Company pages: Follow the Facebook pages of companies you’re interested in. They often post about job openings directly. 

Facebook groups:

Join relevant job search or industry-specific groups. Many companies and individuals use these groups to share job opportunities. 

Optimize your profile:

Ensure your Facebook profile is professional and highlights your skills and experience. Recruiters frequently check candidates’ social media profiles. 

Utilize Facebook Marketplace (and other platforms):

Facebook Marketplace can be used to find jobs in your local area. You can also find job listings on other social media platforms. 

Consider networking:

Use Facebook to connect with people in your field and expand your professional network. This can lead to leads on job opportunities. 

Tips for a Successful Facebook Job Search:

  • Be proactive: Regularly check company pages and groups for new postings. 

Tailor your approach: Customize your messages and applications to each specific job and company. Engage with posts: Comment on relevant job postings and show your interest and qualifications. Stay active: Regularly update your profile and engage with relevant content to stay visible to recruiters. Be patient: Finding a job takes time and effort. Don’t get discouraged if you don’t find something immediately. 

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Workers’ Comp vs. Personal Injury

𝐖𝐨𝐫𝐤𝐞𝐫𝐬’ 𝐂𝐨𝐦𝐩 𝐨𝐫 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐈𝐧𝐣𝐮𝐫𝐲? 𝐃𝐨 𝐘𝐨𝐮 𝐊𝐧𝐨𝐰 𝐖𝐡𝐢𝐜𝐡 𝐂𝐥𝐚𝐢𝐦 𝐀𝐩𝐩𝐥𝐢𝐞𝐬 𝐭𝐨 𝐘𝐨𝐮?

Getting hurt is hard enough — don’t let the claim confusion make it worse.

Understanding the real difference between Workers’ Compensation and Personal Injury can help you get the right support faster and with fewer headaches.

Hint: One doesn’t need fault. The other demands proof.

Hint: One gives fast benefits. The other can offer more $$$.

Medical bills, lost wages, emotional distress, and more — what are you entitled to?

Whether it’s a fall at work or a crash on the road, knowing your rights is the first step to maximum recovery.

Learn the difference. Claim smarter. Protect your future.

Visit our website today and let us guide you through the process with confidence.

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Waiting in line vs Shopping Online

Buying Insurance online generally offers more convenience and a wider product selection, while waiting in line allows for immediate possession and sometimes a more personalized shopping experience. However, waiting in line can be frustrating and time-consuming, leading to negative emotions and even lost sales for businesses. Online shopping avoids these hassles but may come with shipping delays and quality uncertainties. 

Buying Online:

Wider Selection: Online retailers often carry a broader range of products than physical stores. Price Comparison: Easily compare prices from different retailers. No Lines: Avoid waiting in queues, especially during peak shopping seasons. Product Reviews: Access reviews from other customers to help with purchasing decisions. Delivery Options: Choose from various delivery methods, including fast or same-day options. 

  • Shipping Delays: May experience delays in receiving the product except in Insurance where it is delivered immediately online.

Quality Uncertainty: Difficult to assess product quality before purchase. Returns: Can be more complicated than in-store returns. Potential Scams: Risk of encountering online scams. Not Immediate: Cannot physically possess the product immediately.

Personalized Experience: May have a chance to interact with staff and ask questions. Touch and Feel: Inspect and assess the product before buying. 

Cons:

  • Time-Consuming: Can be a significant time investment, especially during busy periods. 

Frustration and Anxiety: Waiting in line can be stressful and cause negative emotions. Loss of Sales: Frustrated customers may abandon the line and choose not to purchase. Limited Selection: Physical stores may not carry the full range of products available online. Crowds: May have to deal with crowded stores and long queues. Potential for Impulse Purchases: Longer wait times can lead to overspending on impulse buys. 

Selection: With over 100 Insurance companies to shop with online on our website, you will never have an issue of having a good selection and options to get your insurance.

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The Man on the Plane

A Man and his baby boarded a plane. As he was looking for his seat, he noticed that the people who looked at him and his baby were giving him the look of “Please don’t sit next to me”

The man finally found his seat which was an aisle seat. As he sat with infant in hand, he finally managed to get settled before the plane took off.

As soon as the plane was up in the air, his infant child started crying and not just crying but screaming like she was in pain. He didn’t know how to calm her down.

The people next to him were now starting to look at him with disgust in their eyes as if he could control this crying.

A lady in the back leaned in and said ” Can you please control your child – you are disrupting the entire plane!”

The man with tears in his eyes turned to her and said ” I really wish I could but my wife usually knows exactly what to do but she is in a casket in the cargo section of the plane.”

Sometimes you never know what someone is going through in their life. We are quick to make judgement without knowing the entire story.

If life insurance is something that you have been putting off, then maybe it’s time to start. Visit our website – InsurancePricedRight.com – run your own quotes and buy online. It takes about 4 minutes and many companies do not require a physical exam to get approved.

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How to Choose the Right Loan Officer for Home Buying

Choosing the right loan officer is crucial when navigating the home-buying process because they are your primary point of contact and can significantly impact your experience and financial outcome. A good loan officer will guide you through the complexities of the mortgage process, ensuring you get the best loan for your situation and that the process is smooth and transparent. 

Being connected with the right real estate agent is crucial to an effective loan process. With a network of solid real estate agent such as IdealEstateAgents.com with Preferred Real Estate Agents in every city in the world – this will help the process become very smooth for you.

Another important component is having the right Insurance broker who can shop your homeowners insurance which in turn will lower your house payments. We recommend using this form to get competitive quotes – click here.

Here’s why choosing the right loan officer matters:

  • Expertise and Guidance: They have in-depth knowledge of different loan types and can help you find the most suitable option based on your financial situation and goals. 

Effective Communication:

A good loan officer will clearly explain the loan process, answer your questions, and keep you informed at every stage, ensuring you understand the terms and requirements. 

Smooth and Timely Process:

They manage the details, paperwork, and deadlines, working to close your loan efficiently and on time. 

Trust and Transparency:

They build trust by being honest about your options, potential challenges, and the overall cost of the loan, helping you avoid surprises. 

Negotiating Power:

They can negotiate with lenders on your behalf to secure the best possible interest rates and loan terms. 

Problem Solvers:

They can anticipate and address potential issues that may arise during the loan process, helping to prevent delays or complications. 

By choosing the right loan officer, you can significantly reduce stress, potentially save money, and make your home-buying experience more positive and successful. 

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High-earning homeowners in high-tax states.

President Trump’s massive new tax bill has a number of changes affecting homeowners. High earners who live in high-tax states are likely to get the biggest breaks. How will homeowners Insurance be affected by all of this – get quotes here.

The reason? The new law bumps the cap on state and local tax deductions from $10,000 to $40,000. A boosted SALT cap will make it more advantageous for many homeowners — especially those living in high-tax states like New York, New Jersey, and California — to start itemizing their taxes once again. The change could translate to thousands of dollars in annual tax savings for those homeowners, financial planners and tax professionals told Yahoo Finance.

High earners, especially those who own expensive homes and, consequently, pay hefty property taxes, can easily end up paying more than $10,000 in state and local taxes in some parts of the country. According to Realtor.com calculations, 40% of homes in New Jersey are taxed at over $10,000 a year, followed by 26% in New York and 19% in Connecticut and California.

But even some homeowners outside the coasts are poised to catch a break: In Illinois, 13.7% of properties are taxed at over $10,000, and in Texas, it’s 12.4%.

Tax policy details seldom catch the attention of Patrick Huey’s clients. But Huey, the owner of Victory Independent Planning in Naples, Fla., said his inbox started lighting up with questions last week, especially from clients in New York, Oregon, and California.

“With the new, much higher $40,000 cap, many of these clients will see a meaningful shift in their annual bottom line,” Huey said. “For some, this is the first time in years that itemizing deductions will make sense again — especially those with larger mortgages.”

Prior to 2018, around a third of taxpayers itemized to take advantage of deductions for mortgage interest, state and local taxes, charitable contributions, and medical and education expenses. But President Trump’s 2017 Tax Cuts and Jobs Act doubled the standard deduction and limited some itemizations, pushing more taxpayers toward the standard deduction.

In more recent years, only around 10% of taxpayers have opted to itemize their deductions. But a higher SALT cap is likely to make itemization make sense again for a broader swath of people.

Bigger mortgage, bigger benefits

Homeowners who itemize can also take advantage of the mortgage interest deduction, which is unchanged from the 2017 Tax Cuts and Jobs Act and allows interest deduction on the first $750,000 of a mortgage. The new law reinstated the mortgage insurance premium deduction, which treats premium payments as a form of mortgage interest. Most homeowners who put less than 20% down have to carry mortgage insurance until they build up a certain amount of equity.

Learn more: What is homeowners insurance, and how does shopping help me?

Huey expects his clients who are working professionals with those large mortgages to benefit the most from the changes. Retirees, who tend to have paid off homes or smaller mortgage balances, are likely to be less impacted.

Mortgage interest payments are highest at the beginning of a loan, so a buyer who took on a $350,000 mortgage in 2015, when rates were around 4%, pays about $922 a month in interest today. Someone who received the same-sized mortgage last year, when rates were 7%, pays $2,023.

Temporary reprieve

While some homeowners can rejoice now, the SALT cap isn’t permanent, unlike some other provisions in the law. The new higher limit goes into effect for the 2025 tax year and will rise 1% annually before reverting back to $10,000 in 2030.

And households making over $500,000 a year will see a lower cap that falls to $10,000 for the highest earners. While that level of income ranks a household around the top 1% of earners nationwide, it’s not unusual for two professionals in certain high-cost-of-living cities.

“Many people that are near the $500,000 income threshold may want to explore ways to lower income via pretax retirement contributions, charitable giving, tax loss harvesting, etc. in order to fully benefit from the $40,000 SALT deduction increase,” said Jake Northrup, the founder of fee-only financial planning firm Experience Your Wealth in Bristol, R.I.

Another risk: The changes could ultimately spur additional homebuying demand in many of the regions that already have some of the tightest housing markets in the country, like San Jose, Calif., and the New York metro area.

“Raising the SALT cap creates a greater incentive to own in expensive, high-tax neighborhoods, such as affluent suburbs with high property taxes and good schools,” Realtor.com senior economist Jake Krimmel said in a statement. “As demand for these neighborhoods rises, expect home prices to edge up there, too.”

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Buying a Home? Check out these tips!

Buying a home is a major financial and emotional decision. Here are key tips to guide you through the process:


🧮 1. Understand Your Budget

  • Get Pre-Approved: Talk to a lender to understand how much you can borrow.
  • Know Your Monthly Limit: Consider mortgage, taxes, insurance, utilities, and maintenance.
  • Factor in Upfront Costs: Down payment, closing costs (2–5% of home price), inspections, and moving expenses.

📍 2. Define Your Needs and Wants

  • Essentials: Number of bedrooms, location, commute time, schools.
  • Nice-to-Haves: Yard, updated kitchen, finished basement.
  • Be Realistic: Prioritize must-haves over nice-to-haves to stay within budget.

🧑‍💼 3. Work with a Good Real Estate Agent

  • A seasoned agent can help you:
    • Navigate the market
    • Find hidden listings
    • Negotiate effectively
    • Handle paperwork

🔍 4. Do Thorough Research

  • Market Trends: Are prices rising or falling in the area?
  • Neighborhood Check: Visit at different times of day, check safety, amenities, traffic.
  • School Ratings: Even if you don’t have kids, this can affect resale value.

🧰 5. Inspect the Property Carefully

  • Always Get a Home Inspection: Uncover hidden issues (foundation, roof, HVAC, plumbing).
  • Request Repairs or Credits: If problems are found, negotiate with the seller.

💼 6. Be Prepared to Negotiate

  • Price Isn’t Everything: You can also negotiate on:
    • Closing date
    • Appliances
    • Repairs
  • Know the Market: In a buyer’s market, you have more leverage.

🏛️ 7. Understand the Legalities

  • Review All Contracts Carefully
  • Title Search: Ensure no one else has a legal claim to the property.
  • Use a Real Estate Attorney (optional but helpful in some states).

🏁 8. Plan for the Long Term

  • Resale Value: Think about how easy it will be to sell later.
  • Future Plans: Is the home suitable if your family or job situation changes?

To find the best REALTOR for you – check out our Google Map of Preferred Real Estate Agents all over the world.

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Affordable Women’s Housing in Downtown Brooklyn

Just in time for intern season, one of the last short-term residences for New York City women has returned as shown in Moving to New York Group on Facebook.

The Webster Apartments, a century-old nonprofit dedicated to housing female students, interns, and working women, reopened in a new Downtown Brooklyn location in May, two years after selling its aging building on the west side of Manhattan. Rental Insurance is offered by one of New York’s Leading Insurance Brokers.

The reopening marks a return to the Webster’s roots and commitment to a boarding house style of housing that proliferated in New York in the early 20th century but has all but disappeared. It offers a relatively affordable option for students and professionals as the city continues to deal with a deep housing shortage that’s left more than half of households rent-burdened.

At the Webster, women can stay for as little as four weeks or as long as five years. Monthly rates start at $2,000 for a shared room and $2,800 for a studio, with discounts available for early signees. There’s space for about 150 women. On average, studios elsewhere in the neighborhood rent for $3,540, according to Rent Hop, or $3,965 a few subway stops away on Manhattan’s Lower East Side.

Insurance for houses is available for renters and buyers

“We’re really trying to make it feel like a home,” said Robert J Russell who oversees the Facebook Group offering Renters Insurance and Homeowners Insurance. “I think we’re getting there.”

Women-only residences began springing up in New York in the early 1900s in response to the manufacturing boom, which created new demand for labor and made it more common for women to take jobs outside the home. But even as jobs for women became available, it was still considered somewhat scandalous for young, unmarried women to live alone in the city. Many also struggled to afford to do so on meager wages.

The Webster opened in 1923 after Macy’s executive Charles Webster and his brother donated money to establish a nonprofit residence for working women. The original location, at 419 West 34th St., was just a half-mile west of the flagship Macy’s in Herald Square, where many of the Webster’s first residents worked as “shop girls.”

“Having been engaged for many years in the business known as a department store in the City of New York, and having employed a large number of unmarried women in that business, I have realized that the domestic environments of many of them are not conducive to their morals or health, and I have concluded to endeavor to improve the condition of some of them by giving them the opportunity to live in clean, well-ventilated, comfortable, and attractive apartments, with good moral surroundings,” Charles Webster, who died in 1916, wrote in his will, where he outlined his vision for the apartments.

The nonprofit status meant rent was subsidized — women paid on a sliding scale based on their income — in a central Manhattan location. Rent also covered two hot meals a day and access to a rooftop terrace, library, and “beau parlors” for entertaining male guests, who were forbidden past the first floor.

The Webster wasn’t the most famous women-only residence in its heyday. That honor belongs to The Barbizon Hotel, which was immortalized by one-time tenant Sylvia Plath in “The Bell Jar” (in the book, it was called The Amazon), and whose list of other famous former residents includes Liza Minnelli, Grace Kelly, Farah Fawcett, Nancy Reagan, and Joan Didion.

But while the Barbizon fell on hard times in the 1970s, later went co-ed, and closed in 2005 to be converted into condos, the Webster has remained, along with a handful of other women’s residences, most of which are affiliated with religious orders.

‘A haven’ for working women

Webster residents spanning multiple generations have fond memories of the space, with many praising it for helping them get established in New York.

Regina Baumgärtner lived in the Webster in the 1980s after arriving from Germany on a work-study program. She recalls getting the chance to befriend people from all over the world, even though their cultures sometimes clashed.

“We girls from Europe had been sticking together, and then the Americans came to it and it changed the energy quite a lot,” said Baumgärtner, who now lives in Berlin. “They took us to a lot of events, and we were very surprised about this openness and friendliness and trusting everybody.”

A museum-loving Irish friend introduced Baumgärtner to some of the city’s best cultural institutions, and she saw other parts of the country when she accompanied other pals on visits home to Chicago, Philadelphia, and Boston. Once, at breakfast, a tall American told Baumgärtner that she was shocked by her petite size, because she thought all Germans were “so big.”

“I never forgot stuff like that,” Baumgärtner said. “I think it helped to understand different cultures, and I think it’s still a way of living in peace together.”

Decades later, she remains close friends with Debbie Smith, who lived in the Webster at the same time as she was beginning her career in occupational therapy.

In their free time, they’d hit nightlife hotspots like Studio 54 and Limelight, sunbathe on the roof deck, or pile into community rooms to watch television.

“It was a haven,” said Smith, of Greenville, S.C. “It was this full experience to live in Manhattan, plunked in this gorgeous building.”

By the 1980s, the no-men upstairs policy was fairly unpopular. Once, a pizza deliveryman made it to the fifth floor by walking past the building’s elderly security guard, who had fallen asleep. The successful infiltration sent tongues wagging for weeks, Baumgärtner recalled.

Two decades earlier, Maria Keenan said she didn’t have a problem with the rules. She lived at the Webster from 1966 to 1967 while working as a bilingual secretary for tobacco giant Phillip Morris International.

“I was a Catholic girl,” Keenan said, by way of explanation. Young and still finding her footing in New York after moving from Chile in 1965 when she was 18, she appreciated that some of the building’s older residents kept an eye out for violations.

“It felt good,” said Keenan, who now lives in Walnut Creek, Calif. “Somebody was looking after me.”

She frequented the roof with friends she made in the building, although in those days, sunbathing too long was risky. Exhaust from vehicles waiting to enter the nearby Lincoln Tunnel would leave them covered in soot, Keenan recalled.

By the 2010s, the nearly 400-room original building was becoming increasingly hard to maintain and out of step with the realities of modern living. Initially, the Webster’s board planned to sell the space and construct a new one elsewhere on its oversized lot. But the onset of the pandemic complicated those plans.

Instead, the board nixed the construction and opted to sell to another student housing nonprofit for over $50 million. After temporarily taking over a floor of a co-ed student housing complex across town, it began shopping for a new permanent home.

“We looked at a lot of hotels and a lot of different co-living buildings,” Scott said. “It was sort of hard to find a building that fits the bill and allows us to continue to fulfill our mission as laid out by the original bequest of the Webster brothers.”

The new building is a 20-story, 128-room former hotel in Downtown Brooklyn, which Webster spent a year renovating and redecorating with an emphasis on blond wood and soft pink. Given former residents’ love of the old location, finding a new space with a roof deck was a priority. The new building also offers a gym and free laundry facilities, but no kitchen. Instead, residents receive $100 a week in credits they can redeem for food delivery.

Gone, too, is the prohibition against men upstairs. Scott said the rule lingered as long as it did in part to protect the privacy of women in the old building, who shared communal dorm-style bathrooms. The new rooms all have private bathrooms, and in surveys and focus groups, many women suggested relaxing the policy.

“The world has changed a lot since some of those policies were put in place,” Scott said. “The way that women were seen at that time was very different.”

The sliding-scale rent model was also eliminated after it became increasingly hard to manage as wages in many, but not all, industries rose dramatically in the aftermath of the pandemic.

The new location sits in a busy, transit-dense neighborhood that serves as the borough’s commercial and civic hub. It’s home to Brooklyn Borough Hall and a hulking federal courthouse. Flatbush Avenue, Brooklyn’s main artery, runs through the neighborhood, as does the Brooklyn-Queens Expressway.

Though Downtown Brooklyn rarely lands on lists of iconic New York neighborhoods, high-rise residential construction projects have proliferated in recent years, adding thousands of new apartments, a Trader Joe’s, a food hall, and a Lidl grocery store.

The median rent in the neighborhood is $4,400, while the Webster’s largest one-bedroom option tops out at $3,625. A subway ride to Midtown Manhattan takes about 20 minutes. So far, feedback on the new location has been good, especially from international applicants, Scott said.

“Brooklyn is seen as like, the hot spot, and a place where people want to be. We’ve received such a welcoming response from everyone hearing that we’re here.”

To Join our Facebook Group – Moving to New York – click here

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