Posts tagged with "rita azar"

Rita Azar illustrates relationship article for 360 MAGAZINE

5 Ways to Make Your Long-Distance Relationship Work

Unlike a few decades ago when maintaining a long-distance relationship was an expensive venture, technology has made things easier. Initially, financing long-distance calls was a tough call, but with services like Skype and Facetime, communication is now more affordable and direct. And while it might look like technology has finally bridged the gap, people in long-distance relationships will tell you it doesn’t make up for everything. The lack of proximity and regular touch makes such relationships emotionally tough. 

And with many of us either in long-distance relationships already or planning to get into one, it’s vital that we discuss how to go about making it work. According to Sandra Larson, a nurse and relationship expert, long-distance, and geographically close relationships do not differ much.

“In some cases, dating someone you’re not always in the same house can be better,” she says. Sandra emphasizes the importance of trust, saying it’s the root cause of all the issues in long-distance relationships. “Once you develop trust, it doesn’t matter how far your partner is.”

So, will your long-distance relationship survive? What should you do to make it work? Here are 5 ways to make your relationship work, regardless of the distance:

  1. Quality Over Quantity

People in a long-distance relationship cannot have a high quantity of communication compared to couples living together. However, because of the limited contact and defined communication times, you’re likely to have more quality communication. Sandra recommends using the time you have wisely. Focus more on quality rather than quantity. “If you have routine bedtime conversations, give a little thought beforehand to the most important details of your day to share. 

Avoid clogging the call with the unnecessaries or bringing back conflict topics.” Most importantly, realize the deficits of a phone/video call and plan accordingly to ensure you say the things you mean to say. You might also have to be more deliberate in your words as you’ll be lacking the benefits of facial expression and physical touch. 

  1. Pay Attention and Prioritize Active Listening

When the phone is your only means of communication, it can be hard to make your partner feel like you’re listening. Actively listening involves being alert to pick any abnormalities or changes in your partner’s tone or behavior. Most importantly, it entails letting your partner talk without immediately shifting the focus back to yourself. Whether it’s celebrity gossip or at-work drama, let them finish and try to offer relevant responses while encouraging them to tell you more. 

If you pick any changes in your partner’s voice or demeanor, encourage them to tell you more about it and offer a listening ear. If it’s something you can help with from afar, go ahead and offer a helping hand. 

  1. Be Creative

According to Sandra, never be too reliant on technology. Of course, it’s an important part of the relationship, but there’s more to do. “A good relationship takes a great deal of compromise and creativity. Try new ways to do things that you’d have otherwise done physically together to bridge the gap. For instance, you can both use applications like ‘Rabbit’ and ‘Couple’ that let you watch Netflix together and share life updates. 

You can also read the same books. That will enhance the feeling of connecting through shared experiences regardless of how many miles you are away from each other.

  1. Make Plans Together

According to research, long-distance relationships are more satisfying when there’s a clear plan for the future. How long are we going to be apart? How open to moving are you, and is your partner open to the same? Whether it’s the short-term plans of places to visit when you see each other next time or the grand plan of when you’ll make the relevant adjustments to stay together, making these plans as a unit gives you something to look forward to. 

Most importantly, make sure your goals and aspirations for the relationship are the same. What happens eventually? An engagement? Moving in together? Ensure that you continually work out a plan for the end game together. 

  1. Be Mindful of Your Partner

Unfortunately, some things happen that are out of our control. Everything from unforeseen work commitments to everyday inconveniences, no one’s immune. So, when you can’t pick their call, remember to follow up with a text message or voice note explaining that you’ll get back when you can. The distance can be emotionally tasking, but things are much easier when there’s clear and direct communication.

Send your partner random and thoughtful gifts when they least expect it. It doesn’t have to be on their birthday or your anniversary either. Being mindful of your partner conveys your commitment and respect for the relationship while igniting a lasting impression.

That’s it! Long-distance relationships don’t have to be hard. It’s okay when things aren’t perfect, but there’s always a way to make things work. So, prioritize quality communication, pay attention, be creative, make plans together, and most importantly, be mindful of your partner. Trust me! It shouldn’t be that hard.

Rita Azar illustration for 360 MAGAZINE travel stories

Tips for Reducing Holiday Stress and Staying Mindful While Traveling

The holiday season is typically the busiest time of the year for traveling. People enjoy going to see family members or exploring new locations as they have time off from their jobs and schoolwork. This year, traveling may come with a bit more stress and anxiety due to the pandemic that people are facing around the world. The good news is that there are some things you can do to help reduce holiday stress, as well as stay safer while traveling.

“There may be fewer people traveling this holiday season, but there will still be a lot who do, and they need to know how to make it more enjoyable,” explains Katie Sandler, personal development and career coach. “Mindful travel is the key to reducing stress, staying safer, and making the most of your time traveling. This year will be a great exercise in mindfulness, which is something to be excited about.”

As an expert at using mindfulness, Sandler helps people not only reduce their stress, but also reach new goals. The key to traveling safely during the pandemic, as she points out, is in using the technique throughout the experience. By remaining mindful, travelers will go about their experience in a way that is conscientious and intentional. Just as with many things in life, this is an issue that comes down to learning to be more focused and plan ahead.

Sandler has created a recipe for mindful safe travel in the era of COVID, which includes the following tips:

  • Forget being spontaneous. This is not the time to be spontaneous. In order to help reduce risks and stress. Figure everything out ahead of time. Know about everything before you go do it. This goes for restaurants, excursions, and even visiting others. Call ahead so you can plan out as much as possible.
  • Know the rules and regulations. The rules today differ by city and state, so it’s important to know what they are for where you are heading. Get the information you need so that you are prepared. Whether it means all meals will be takeout, you will have to wear a mask, or you need to limit the number in your party, avoiding surprises will help keep things stress-free.
  • Get tested before you go. Getting a COVID test before you travel is a good way to help reduce stress and the spread of the virus. This way you will know that you are not unknowingly spreading it around wherever you may go.
  • Create a checklist to use. A checklist is a great way to ease the hassle of ensuring you have everything covered. Make a list of what needs to be packed, calls that need to be made, things that must be done before heading out, etc. This will prove much easier than trying to simply remember everything.
  • Make reservations wherever possible. This is a great time to make reservations for everything possible. Whether it’s at a restaurant, a tour company, or something else, this is a great way to help them limit the number of guests allowed in any one place at the same time.
  • Be kind and patient. People you come across while you are traveling are doing things differently, too, and it may cause them to be stressed out and provide slower service. Take that time to remind yourself to be in the here and now, and focus on being kind and patient.

“The holidays are a special time, and most of us still want to travel,” added Sandler. “While we shouldn’t live in constant fear of the virus, we should strive to keep being keenly aware of the situation and our surroundings. When we do that, we will reduce the stress and anxiety, help to keep everyone healthier, and still be able to enjoy life, even more than when we travel without being so focused.”

Through her personal development and career coaching services, Sandler has helped people in many different ways. From helping them to identify things holding themselves back to being able to achieve personal goals, she brings a crucial, helpful outsider’s perspective. In addition to personal achievements, she helps many people with their career goals, as well as working with companies to provide their team with impact training. Through her efforts, companies have been able to reduce absenteeism rates, motivate their team, reduce stress levels, engage their employees, and create a better workplace.

Sandler offers impact retreats, corporate impact events, and one-on-one coaching services. She has a bachelor’s degree in psychology and a master’s degree in mental health counseling, has a strong foundation in mindfulness-based stress reduction, and has worked in hospitals and private practices. She has also spent time as a research assistant at Johns Hopkins. Upcoming retreats include Reignite in Tulum, Mindfulness in Mykonos, Rewire and Renew in The French Alps, and Mindfulness & Mindset in The Hamptons. To learn more about Katie Sandler and her services, or to see the retreat schedule, visit the site: https://katiesandler.com/.

Rita Azar illustrates fashion article for 360 MAGAZINE

Tips For Supporting Ethical Fashion 

There is no time like right now to make the switch to ethical fashion, with the report Future of Consumer Demand showing that the vast majority of Americans place a high importance on buying goods that are ethically produced. When it comes to fashion, the exact definition of ‘ethics’ is difficult to provide, since it extends to a wide array of issues – including fair working conditions, sustainability, support for upcoming creators, animal welfare, and fair trade. A recent Futerra survey showed that around 90% of consumers in the U.S. and the U.K. want to make a positive difference with each purchase they make. They feel that their actions can be part of a big wave that reduces pressing problems such as global warming. If you are ready to start supporting companies that are ‘giving back’, what qualities should you look for in your chosen brands?

Ethical Working Conditions

If you are drafting a list of fashion and accessory companies you would like to start supporting, spend time getting to know their policy on working conditions. For instance, if you are buying luxury gems such as diamonds, ensuring they are conflict-free and ethically sourced is key. More than 99% of accessible diamonds meet Kimberley certificate standards. However, this certificate is a logistic document that states a rough diamond was exported from a specific country under the stipulations of the Kimberley process. It does not tell you if the mine a specific diamond was obtained from provides local jobs or funds opportunities for diverse groups such as women. Therefore, inquiring about these matters can help you make a decision when considering various brands or jewelry houses.

A Passion For Sustainability
It is very easy to see which brands are 100% committed to lowering their carbon footprint. Truly green brands such as Stella McCartney have been raising the bar in terms of the use of organic, recycled and upcycled materials practically since their launch. Brands should do more than release the odd sustainable collection. They should have published policies regarding energy use, water saving, ethical sourcing of materials (i.e. materials should not hail from endangered forests), and the establishment of strict quality and sustainability standards. They should also commit to reducing oil-based synthetics during the manufacturing process.

Supporting Innovation

Check out the efforts made by each brand to support the Planet. Some have come up with innovative ways to put an end to problems such as plastics. Pangaia, famed for its über-chic tracksuits, use material obtained from recycled bottles. The fabric obtained is then colored with natural botanical dyes, and ‘freshened up’ with natural peppermint, which battles bacteria. Reformation (which manufactures swimwear) also creates items made with recycled plastic, while Isbjörn of Sweden uses fish trap to create resilient items that are also 100% PFC-free and bluesign certified.

Design For Life

Ethical fashion should also aim to be used by several owners so as to prolong the life cycle of every item and reduce the amount of waste that is overburdening landfills. Essén is one such label; it produces all collections in small batches, moving away from the idea of short-term trends and seasonality. The aim is for every single item to be used throughout the year, with minimalist looks holding sway in the summer and layering being embraced to stay warm and cosy during the winter. Another interesting minimalist brand is Working Title. In order to reduce its carbon footprint, this company only sells made-to-order items, meaning that every single outfit they make is fully desired and cherished. When purchasing items for a new season, go with items you think will stand the test of time. Ensure you have wardrobe essentials such as a ‘little black dress’, a white tailored top, black trousers, and a good coat you can dress up or down. You can still stay in trend, buying a couple of ‘in’ clothing items and accessories but mainly sticking to items you know will look good just as good next year as they do this year.

Choosing Durable Items

Genuinely sustainable items should be able to withstand plenty of wear and tear if it is to stand the test of time and be worn a lifetime or passed down to various users before being thrown away. Isbjörn, mentioned above owing to its innovative spirit, also has a big focus on durability. All items are made with materials built to last, and have sewn-in labels with space for three kids’ names (the aim being that every piece should be used by at least three people). The company goes a step further, offering to replace any items that are broken. Why buy a new coat when your favorite comfy coat can be repaired and look as good as new? Companies should ideally offer customers tips to increase the lifespan of clothing. These can include information on how to repair and wash items. They can also include suggestions on where to donate clothes once customers are done with them. The brand Vaude, for instance, has a free online platform called iFixit, which provides instructions on how to fix various products.

Embracing Diversity

Sustainable companies that truly desire to make a difference should take other ethical considerations into account, one of which involves embracing diversity. The 21st century is arguably the first to embrace different races, body types, and ages in advertising and fashion. Brands should do more than simply market themselves as ethical; they should also put their money where their mouth is, releasing collections in sizes that reflect the diversity of their customer base. Just a few brands that have already done so include Adidas, Apiece Apart, and Diane von Furstenberg. The latter’s iconic wrap dresses are now available in sizes 14 to 24, thanks to its recent partnership with Honoré.

If you are ready to make more eco-conscious fashion choices, a good place to start is by checking out the sustainability policies of your favorite brands. Those that do value ethical working conditions, the environment, and other issues such as animal welfare, will usually share their values with you via their website and social media channels. Be vigilant about shopping for jewelry as well, since truly ethically sourced diamonds have more to them than simply complying with the Kimberley certificate standards. When choosing a brand to support, also think about the extent to which they are truly making an effort to effect change. Efforts can range from choosing innovative materials right through to improving durability and educating customers on how to increase a product’s lifespan. Finally, this millennium is one that is firmly focused on diversity. Ethical companies should support the idea that all human beings have a right to look and feel like their best selves through the clothes they wear. Companies can show their commitment to diversity by employing models with varying ages, races, and body types. They can also make collections in various sizes so that their garments can be worn by a truly representative group of people. One of the best ways to find out more about fashion brands is to check out their websites. If they are truly serious about sustainability and ethics, they will most likely have a sustainability section in which they list the many steps they are taking to change the superficial reputation that fashion can sometimes have.

Rita Azar illustration for 360 MAGAZINE travel stories

Free Ways to Have Fun in Montreal This Summer

You don’t have to break the bank to have an amazing time in Montreal. The city is filled to the brim with stunning museums, gorgeous nature parks, and frequent cultural festivals. The best part? Most of the best things to see in Montreal are actually completely free.

Travelling on a budget may be tricky but in a city like Montreal, it’s easy to have an unforgettable trip without spending a fortune. 

#1. Explore the natural beauty of Mount Royal Park

The namesake of Montreal is also one of its main attractions, the beautiful Mount Royal. This peaked hill stands tall in the centre of the city, surrounded by a nature park designed by Frederick Law Olmstead, the renowned architect who made New York’s Central Park a reality.

Mount Royal Park is especially beautiful in the summer for picnics, relaxing by Beaver Lake, or hiking to the top for some spectacular views. You can spend a whole day here and all without spending a bit.

#2. Create your own bike tour of the city and surrounds

A great way to spend a day without breaking the bank is by seeing the city on a bicycle. Montreal is crisscrossed with bike paths that total a length of over 500km and all are open to the public for free.

Cycle along the Lachine Canal into Old Montreal, pass the Olympic Village, and enjoy the sights of Parc La Fontaine along the way. If you’re feeling especially adventurous, you can even make your way off of the island to explore the north and south shores.

#3. Get your culture fix at one of the city’s amazing museums

The Musee des Beaux Arts

For lovers of art and photography, there is no better way to spend an afternoon for free than at The Musee des Beaux-Arts. Along with a permanent exhibition, the museum features artwork from Canadian and European artists like drawings, engravings, silverware, and works of art from ancient Asia, Egypt, Greece, and South America. 

Modern art aficionados can also see Andy Warhol’s advertising on display too! Museum admission is free for all on the first Sunday of the month and every day for those 20 and under while seniors (65+) are admitted free on Thursdays.

The Redpath Museum

The Redpath Museum is named after a 19th-century sugar baron who financially supported the museum on the campus of McGill University. 

History and science geeks will get a kick out of the wide range of fossils (including dinosaurs), skeletons of rare and extinct animals, rocks and minerals, and a fine collection of Egyptian antiquities that the Redpath has to offer. And best of all, admission is free.

#4. Partake in the summer festivals

Montreal is known as a festival town and it’s no wonder with locals that love to eat, drink, and celebrate life every day of the year. 

The city is abuzz with music festivals throughout the year like the International Jazz Festival, Les Francofolies, Les Nuits D’Afrique, and the indie music festival Pop Montreal. Music lovers, rejoice! From shows and live entertainment, the summer is ablaze with music — and all of it is completely free.

#5. Enjoy the spectacle of the International Fireworks Competition

Summer visitors to Montreal will likely be familiar with the International Fireworks Competition there that takes place twice a week throughout June and July. This epic (and free) attraction draws locals and tourists alike to the waterfront of the Old Port, the Jacques Cartier Bridge, or the amusement park, La Ronde, for the best views.

#6. Stay in and relax

Whether you’re a Montreal local or on a summer holiday, some days you may just feel like staying in and snuggling up with a glass of wine and a good movie. 

For a fun and free good time, put on your comfiest outfit and try your luck at one of Canada’s great online casinos with free spins that require no obligation and are easy to activate. Who knows? Your free spins might end up paying off!

MONTREALIVE

The vibrance of the city is undeniable, as is the accessibility for all types of travellers on any budget. There are delicious cheap food choices, it’s easy to walk or cycle around, and there are plentiful free activities to do and things to see – especially in the summer when nearly every week hosts some kind of festival, street fair, parade, or cultural show.

Montreal has been called many things throughout the years. From “The City of Steeples” to “Festival City”, “The City of Saints”, nothing captures the essence of the city as well as its most recent nickname: “Montrealive”.

Rita Azar illustrates travel article for 360 MAGAZINE

Cozy Winter Retreats

Enjoy delicious food, spectacular accommodations, and seasonal activities this winter

As temperatures drop and winter nears, a sweet escape may be closer than you think! If you’re yearning for a weekend getaway, look no further than the scenic Hudson Valley for a charming winter retreat. Located just an hours’ drive from New York City, Orange County, N.Y. offers acclaimed restaurants and accommodations with seasonal packages for couples, singles, and families looking for a home away from home this season.

“The perfect winter getaway can be found close to home with a visit to one of our cozy inns or B&Bs — all just a short drive from the area’s ski resorts, ice rinks, riding stables, hiking, biking, and mountain trails,” said Orange County Tourism Director Amanda Dana. “Unwind with loved ones or a good book by a crackling fireplace after a day outdoors. Or, warm up with a delicious meal from one of our many acclaimed restaurants offering indoor dining and seasonal menus, too.”

Below are some winter getaways available in Orange County, N.Y. Before visiting any of the locations, please contact the venue directly to confirm that they are open and practice safe social-distancing.

Cedar Lake Estates, 1 Team USA Way, Port Jervis: Cedar Lakes Estate offers 500 acres of Winter Wonderland for you to explore. Stay for a long weekend, or grab a seat at one of the venue’s Saturday dinners. Whether just for a toast by the fire, or a snowshoe around the property, explore all there is to do in the beautiful Hudson Valley. cedarlakesestate.com

The Thayer Hotel, 674 Thayer Road, West Point: Experience the luxurious accommodations at the Historic Thayer Hotel at West Point with one of many seasonal packages available. Visitors can enjoy a delicious Thanksgiving dinner prepared by the Culinary Institute of America team of chefs with an overnight stay, or choose the venue’s holiday brunch package that includes an exquisite feast for two, luxurious overnight accommodations, and a souvenir Thayer Hotel holiday ornament. Ring in the New Year with overnight accommodations, a cocktail reception at MacArthur’s Riverview Restaurant, a four-course meal, open bar, DJ, champagne toast at midnight, and a New Year’s Day champagne brunch. thethayerhotel.com

The Waterstone Inn, 62 Sterling Road, Greenwood Lake: Skiers won’t want to overlook one of Orange County’s hidden gems, The Waterstone Inn. Located just three miles from Mount Peter, a full-service mountain offering skiing, snowboarding and tubing, the beautiful inn offers visitors a peek back in time to the Golden Age of Greenwood Lake when affluent New York families would flock to the lake for leisure throughout the 1800s and early 1900s. Accommodating parties of all sizes, guests can choose from studio rooms, suites, or the entire third floor. thewaterstoneinn.com

Bear Mountain Inn, 3020 Seven Lakes Drive, Bear Mountain: Built in 1915 upon a plateau overlooking the shores of Hessian Lake, this natural beauty of local stone and timber is a national treasure. Its 15 deluxe guest rooms and suites combine rustic mountainside elegance with all the creature comforts of home to make it the quintessential romantic Hudson Valley destination. Relax and recharge with the inn’s shop, stay, and spa package that includes a gift card to Woodbury Common Premium outlets and a $100 credit to the Spa at Bear Mountain. visitbearmountain.com

Cromwell Manor Historic Inn, 174 Angola Road, Cornwall: Relax at this elegant 1820 mansion with additional guest rooms in a charming 1762 colonial cottage. Decorated with period antiques and furnishings, all rooms have private baths and many have working fireplaces. Enjoy homemade breakfast each morning, overlooking the seven-acre private estate, before heading out to explore nearby parks and trails, world class shopping at Woodbury Common Premium Outlets, and many vineyards and wineries. cromwellmanorinn.com

Stagecoach Inn, 268 Main Street, Goshen: The Hudson Valley’s premier inn and restaurant can be found within an elegant mansion built in 1747. Despite its historic past, the five-bedroom inn features private baths and all the modern updates and amenities for 21st-century travelers. The on-site restaurant offers casually elegant dining in several sitting rooms and a stone veranda overlooking three acres of manicured lawns. During the day, explore all that Orange County has to offer with local museums and art galleries, parks and outdoor activities, and shopping galore. stagecoachny.com

As the world reopens, Orange County, N.Y., invites residents and visitors to escape, enjoy and explore its wide-open spaces. For a full list of attractions, lodging and dining options available at this time, please visit orangetourism.org/fall-fun. Additionally, a fun, free, 56-page travel guide is available for digital download at OrangeTourism.org/travel-guide.

About Orange County Tourism

Orange County Tourism, based in Goshen, N.Y., is the county’s tourism headquarters and a participant in the I LOVE NY program. A comprehensive listing of area attractions, lodging and events can be found at OrangeTourism.org. Like Orange County Tourism on Facebook for the latest news on local happenings.

Realestate image by Rita Azar for 360 magazine

Property Liens 101: What Are Your Options When Selling a Home?

Sometimes, getting from under debt can mean selling your home. However, how can you relieve yourself of mortgage debt if your property has a lien attached?

More than likely, a property sale will bring any related legal problems to light. A property lien is a serious issue that you must deal with before you can close the sale. Property liens give a creditor the right to possession of your property until you pay any debts.

To learn more about your options when selling a home with a lien, continue reading.

What Are Liens?

A credit error can prove problematic if you’re trying to buy a home. Likewise, a property lien will cause similar grief if you want to sell your property.

A property lien will most often show up when a bank or potential buyer does a title search. A title search is a legal check on the ownership of your property.

If there’s a problem with your title search, it will more often than not delay the closing. For this reason, you need to deal with the lien before you can sell your property.

A lien on a house is a legally binding claim that another party has on your property. It allows them to access your property if you do not pay your debts.

A creditor must file a property lien with the county clerk’s office or a state agency. Next, the appropriate office will approve or deny the claim.

The office that records the claim will then deliver notice to you with the terms of the lien. In short, the notice will explain that a creditor has taken action against your property.

A creditor can place liens against property for tangible items such as your car or boat. However, they can also file for a property lien against your home.

For instance, a bank would file for a property lien if you fall behind on your mortgage payments. Usually, a property lien is a last resort action to recover a debt.

Who Can File a Lien Claim?

The courts will award a property lien after a creditor has made numerous attempts to collect payment. For example, the creditor may have hired a collection agency to recover the debt.

A property lien is a very effective way for a creditor to recover a debt. However, it’s also particularly stressful for debtors.

With a bank loan, for instance, a lender can file for a first-order property lien. A bank may apply for this kind of lien after you’ve missed several mortgage payments.

A lender has specific rights regarding how they can use a property as collateral against a mortgage. For this reason, it’s quite easy for a bank to obtain a property lien for delinquent mortgage payments.

Can You Sell a House With a Lien?

In short, yes. You can sell your home if a creditor has placed a lien on it.

You could try to close a sale without help. However, the process is long and complex. It’s also stressful and financially draining.

Various types of creditors may place a lien on a house. For instance, you may have an outstanding debt with a bank, homeowner’s association, or the state or federal government. These parties all have the power to prevent you from selling your home if the courts have awarded a lien.

However, creditors don’t want your home. They want their agreed-on payment. To that end, a property lien gives them the right to sell your home to recover the delinquent debt.

Once you pay the debt, the creditor will issue a Letter of Satisfaction. However, creditors take advantage of the fact that most homeowners don’t know their rights when it comes to property liens. The typical homeowner doesn’t understand the options that they can use to resolve a lien.

If you’re trying to sell your home, this fact adds to the problem. If a creditor knows that you want to sell your home, they’ll use that fact as leverage to collect the debt. Often, a homeowner will end up with more problems from debtors that use circumstances to their advantage.

For these reasons, it’s beneficial to seek financial help when you’re trying to sell a property that’s under a lien. An experienced lawyer, for example, can help you to navigate the process.

What Are My Options Regarding Property Liens?

If you decide to resolve the issue independently, you’ll need to start by evaluating the lien. In other words, you’ll need to figure out what kind of liens and judgments creditors have against your property.

The procedure for different liens varies. Some liens on a property are nonnegotiable. However, you can settle other kinds of liens with little or no money.

Next, you’ll need to find someone willing to purchase a house with a lien. Most often, buyers and realtors view a lien is a major problem.

No buyer or agent wants to deal with a stubborn creditor. For this reason, they won’t pursue a property purchase until you’ve paid all debts in full.

Instead of going it on your own, it makes sense to hire an experienced real estate attorney. An expert attorney can make a big difference in your ability to sell your home that’s under a lien.

A knowledgeable real estate attorney can make sure that you say the right things to creditors. For instance, it’s a good idea not to tell a creditor you’re trying to sell your home. As soon as you give them this information, they’ll use it to pressure you.

In other cases, the creditor will lie in wait for your settlement payment. Once you receive it, they’ll claim the funds. If they win, a judge might award them compensation directly out of the closing proceeds.

It can prove difficult knowing what to say when talking to creditors. An experienced attorney can help you navigate this kind of minefield. To learn more about working with a professional real estate attorney, take a look at this article by Fernald Law Group.

Mulling Over a Lien Sale

If you need to sell your home and there’s a lien on it, it’s in your best interest to work with a professional real estate lawyer. There are a lot of nuances when it comes to liens on property.

For example, each state has different rules about the statute of limitations for liens. Even if a lien expires, however, a creditor can refile a lien and extend it in most states.

For this reason, it’s important to have an experienced professional on your side. A professional understands how to overcome the challenges of selling a house with a lien. More importantly, a creditor is more likely to negotiate with an expert who understands lien laws.

Learn More, Know More, Do More

Now that you know more about property liens, you can hopefully make a more informed decision about what you’ll do next.

Life has its challenges. Navigating some of life’s challenges, such as liens against property, can prove downright perplexing. Fortunately, there’s help.

With the right information, you can make it through the toughest obstacles that come your way. Check out our blog for more insightful news and tips for help navigating business, pleasure, and life.



Rita Azar illustrates relationship article for 360 MAGAZINE

The Top 5 Most Important Qualities a Guy Should Have

Are you restarting your dating life but find yourself swiping left a little too often? When you’re outing the dating world, it can be hard to find the right balance. Although we don’t want to “settle” for a person, we also don’t want to discount men.

We’re here to help you along your way. You always can try to meet a right person on Promenad, but first of all read on for the top five qualities on what to look for in a man so that you can date with intention. 

1. He’s Respectful

Your man knows that your time is valuable, and he respects it by making sure that he’s present when you’re together. He’s interested in your opinion about topics and gives you a platform to voice them.

He’s also upfront about what he wants in a relationship and doesn’t lead you on. Lastly, you feel free to live your own life without his micromanagement or what he believes is “better.”

2. He’s Supportive

You’ll know a man is supportive if you feel as if you can talk about your life, career aspirations, and goals without judgment. He trusts the decisions you make and will often back you up on them–not make you feel as if you need to constantly second-guess your decisions.

Best of all, supportive men are often good listeners. They’ll give you the silence you need and won’t frequently interrupt.

3. He’s Honest

They’ll be times when your man disagrees with a decision you’re making, and he’ll let you know in a way that doesn’t diminish your character. You won’t need to second-guess his thoughts or motivations because he’s upfront and doesn’t feel the need to hide. This often leads to better communication, one of the most important aspects of a relationship. If you ask him a question, you don’t feel any doubt in his answer–even if it’s not the one you wanted to hear.

4. He Pays Attention

Men who pay attention are often talented at active listening because they want you to know that you’re being heard. They also have good dating etiquette. When you’re together, he’s good at putting down his phone and giving you his full attention. They’re attentive to your needs because it’s their way of showing that they value you.

5. He’s Happy

A man’s attitude is often a good indicator of their self-confidence. If you find that your man has a constant, pessimistic outlook on the world, they probably have the same view of themselves. You may feel compelled to help him or find that your own mood becomes low when you’re around him. Although it’s not realistic to expect someone to be happy all the time, generally you’ll feel happy and comfortable around someone with a positive attitude. They often have a good sense of humor and smile more.

What Do You Look for in a Guy?

What are you looking for in a man? It’s important to ask yourself this question frequently until you have a definite answer. Once you know what you want in a relationship, it’s far easier to find a man that’s looking for the same theme.

It’s all about trusting your instinct. Pay attention to how you feel when you’re around him. If you feel understood, respected, and cared for, you may have found the one.

Trump Tax Findings posted by 360 MAGAZINE and illustrated by Rita Azar.

Trump’s Tax Records Exposed

By Hannah DiPilato

Recently The New York Times got ahold of President Donald J. Trump’s tax information and made the shocking discovery that he has not been paying his fair share of taxes. 

According to The New York Times in 2016 and 2017, Trump only paid $750 in taxes each year. Many working Americans pay much more than this and have an income that is far lower than Trump’s. The Times also reported Trump paid nothing for income takes for 10 of the last 15 years. 

“The Fake News Media, just like Election time 2016, is bringing up my Taxes & all sorts of other nonsense with illegally obtained information & only bad intent,” said Trump in a tweet today, September 28th. “I paid many millions of dollars in taxes but was entitled, like everyone else, to depreciation & tax credits….. Also, if you look at the extraordinary assets owned by me, which the Fake News hasn’t, I am extremely under leveraged – I have very little debt compared to the value of assets.” 

Although Trump is brushing this off as fake news, the evidence proves otherwise. Trump has hidden these records and sold others to the American people. Although he takes in hundreds of millions of dollars a year, Trump has claimed losses that gave him millions of dollars in tax refunds. 

This information is being revealed just 37 days before the presidential election where Trump appears to be just behind the democratic candidate Joe Biden. The first presidential debate is also coming up in two days, a debate that may need to question Trump’s behaviors regarding taxes. In the first debate in Cleveland, Ohio on Tuesday, Biden could easily interrogate Trump with these accusations. 

Alan Garten, a lawyer for the Trump Organization spoke on the findings in a letter. “Most, if not all, of the facts appear to be inaccurate,” said Garten and requested to see the documents that the accusations were based on. After seeing the records, Garten said that Trump “has paid tens of millions of dollars of taxes to the federal government.” However, by saying “personal taxes,” it appears that Garten is combining income taxes with various other federal taxes. 

The Twitter account “Team Joe” made a video comparing the tax returns of middle-class workers to those of Trump in 2019. They reported that the typical income tax for elementary school teachers was $7,239, for a firefighter the average was $5,283 and for a nurse it was common to pay $10,216. They then compared this to Donald Trump’s payment of $750.

Trump’s millionaire persona could be all about appearances. He is facing a lengthy audit battle with the Internal Revenue Service because of a $72.9 million tax refund that he claimed. The IRS is investigating the legitimacy of this claim which he received after declaring major losses. If the IRS finds this claim to be false, Trump could owe over $100 million. 

For example, Trump disclosed in 2018 that he had brought in at least $434.9 million, but his tax records show a loss of $47.4 million. Tax records are not specific enough to investigate all the business expenses that Trump uses to reduce his taxable income. For example, from 2016 to 2017 Trump’s Bedminster golf club in New Jersey showed expenses that increased fivefold. He has even previously boasted that getting away with paying fewer taxes makes him smart. 

The president also brings in a hefty income from overseas in various different countries. In his first two years in office, this revenue added up to $73 million. He paid more to other countries then he did to The United States, by thousands. 

Trump’s tax records can be compared to President Richard M. Nixon’s tax bill that showed in 1970 he paid $792.81 of taxes when his income was around $200,000. When this information was revealed there was an uproar from the American people and resulted in the decision that presidents and presidential candidates should allow their tax records to be shared. In 2014, Trump even agreed to this saying, “I would love the do that,” referring to revealing his tax records if he ran for office. Then when he ran, Trump mocked this idea and said he would make the records public if Hillary Clinton made her deleted emails public and if Barack Obama showed his birth certificate. 

This information could greatly impact the election coming up in November. Depending on how people that planned to vote for Trump take these findings into consideration. Biden has been previously leading the polls, so it will be interesting to see how things will play out in both the upcoming debates and the election.

Rita Azar Illustrates a Football Article for 360 MAGAZINE

Gale Sayers

By Justin Lyons

Hall of Fame running back and Chicago Bears legend Gale Sayers died Wednesday at the age of 77.

Sayers played seven seasons, all as a Chicago Bear, racking up 4,956 rushing yards and 39 rushing touchdowns. He played his final regular season game in 1971, retired in 1972 and became the youngest Hall of Fame inductee in NFL history in 1977 at the age of 34.

The news comes via a statement from David Baker, the president of the Pro Football Hall of Fame.

“All those who love the game of football mourn the loss of one of the greatest to ever play this game with the passing of Chicago Bears legend Gale Sayers. He was the very essence of a team player – quiet, unassuming and always ready to compliment a teammate for a key block,” Baker said. “Gale was an extraordinary man who overcame a great deal of adversity during his NFL career and life.”

Nicknamed the “Kansas Comet,” Sayers was an easy selection for the Hall of Fame despite injuries shortening his career.

Current NFL commissioner Roger Goodell also released a statement saying Sayers will be remembered for his inspiration and kindness.

“We send our heartfelt condolences to his wife Ardie and their family. Our thoughts are with his teammates, the Bears organization, the many fans who remember him as a football player and the many more people who were touched by Gale’s spirit and generosity,” Goodell said.

The story of Sayers’ friendship with teammate Brian Piccolo was told in the 1971 film “Brian’s Song,” which starred James Caan and Billy Dee Williams.

Williams, who played Sayers in the film, tweeted, “My heart is broken over the loss of my dear friend, Gale Sayers. Portraying Gale in ‘Brian’s Song’ was a true honor and one of the nightlights of my career. He was an extraordinary human being with the the kindest heart. My sincerest condolences to his family.”

Caan, who played Piccolo, tweeted that he was proud to have known Sayers and also offered his love and condolences to the family.

The New York Times reported in 2017 that Sayers had been battling dementia, but that didn’t stop him from attending the 100th year anniversary celebration of the Chicago Bears in June 2019.

Teammate Dick Butkus, who joined Sayers on stage at that celebration, said,”[I] will miss a great friend who helped me become the player I became because after practicing and scrimmaging against Gale I knew I could play against anybody. We lost one of the best Bears ever, and more importantly, we lost a great person.”

The Bears have added a banner with a photo of Sayers to their website and have changed their Twitter profile picture to Sayers’ famous number 40.

Rita Azar illustrates travel article for 360 MAGAZINE

9 Tips to Remember Your Journey Forever

Any trip is an excellent opportunity to learn many new things and break out of the routine. No matter if you have just recently returned from a vacation filled with new impressions or vice versa, are just getting ready to go and planning your route, you may be interested in this article. We have collected nine small tips to remain inspired by the journey and remember it forever.

Make Yourself a Talisman

Some trips become something much more than just a break from work and truly open up a new chapter in our lives. If you want to capture this momentous moment for yourself or your friend, a 3D crystal photo can be a great option and one of the best gifts for avid travelers. 

ArtPix 3D creates customized 3D crystals, such as keychains, necklaces, or figurines of different crystals types and shapes. Such a volumetric 3D Image created by using a laser-etching method looks beautiful and original. ArtPix 3D allows ordering unique personalized crystals online and shipping within the US in the shortest terms.

Write an Article or Post About Your Adventures

Even a short story about the trip will help you remember the vacation better, and it may become an inspiration and motivator for other travelers.

Also, your personal experience and fresh travel tips will help others to avoid mistakes and pitfalls. 

The sharing of practical knowledge is invaluable because it makes travel more comfortable, safer, and more beneficial.

Feel free to share your findings, overcome difficulties, and even curiosities during the trip via social media. This information can come in handy for other people!

Relax and Take Pictures

Going on vacation, forget about work issues, and monotonous routine. Just have fun, and don’t forget to take pictures! Human memory is unreliable, and even the most vivid memories fade over time. The photos will become a “time machine” for you, helping you to relive your trips in all details.

To not be distracted from your adventures by monitoring likes and views your posts get on Instagram, try not to upload photos right away, or even use a good old camera or instant camera instead of a smartphone. 

Take photos of not only what “is supposed to,” like places of tourist attraction, and not only what will collect more enthusiastic comments on social networks. 

Notice and capture all these little things, details, and stories that will be understandable only to those who were next to you during this journey. Such shots have a unique nostalgic atmosphere.

Taste Masterpieces of Local Cuisine

Each nation has its gastronomic preferences and delicacies. In France, there are excellent cheeses and wine, in England – ales and puddings, in Italy – prosciutto, pizza, and lasagne, in Spain – paella, gazpacho, and Jamon serrano. Any country has something to please and amaze guests from abroad.

To appreciate the local cuisine, you should better avoid restaurants in tourist areas and near interest places. The food there will be much more expensive and, very likely, of lower quality. Walk a few blocks, and you will find nicer and cheaper local restaurants.

Besides, locals do not eat in cafes and restaurants every day, so that you can follow their example. Go to the supermarket or grocery store, pick something you would like to try, and cook dinner yourself.

If there is no kitchen where you are staying, that’s no problem. Visit a local farmers market, grab some fruits and sandwiches, and have a picnic in the park. New impressions and small savings are guaranteed for you!

Visit Quirky Spots and Museums

Besides the well-known museums of art or places of historical interest, popular and crowded with tourists, each city has small, but no less attractive educational and entertainment spots.

It can be a house-museum of a famous musician, scientist or writer, or a little-known but unusual private exhibition. For example, in Paris, why not go to the Museum of Erotica or Magic, the ancient Père Lachaise Cemetery, or the catacombs? So you will look at the city from a different angle and learn something new.

Make New Acquaintances

Do not be afraid to strike up a conversation with new people – fellow travelers, neighbors at a table in a cafe, locals. A conversation with a stranger is an adventure, albeit a small one, thanks to which you can learn a lot about little-known but worthwhile places to visit, local culture, customs, and sense of humor, as well as various useful life hacks.

Feel free to be the first to start the conversation.

First, you will learn foreign words, and you can show off new knowledge in front of friends or on a date. Secondly, it is good memory training. And finally, in this way, you will find mutual understanding with the locals and show respect: not everyone knows English. 

Collect Some Souvenirs

Those who love to collect various memorabilia will appreciate this idea. Returning home from a foreign country or new city, you do not have to buy yourself keychains, magnets, and other typical souvenirs.

Take them for friends and loved ones, and leave yourself something more intimate and personal:

  • a tram ticket
  • a beautiful tree leaf
  • a coin
  • an old book from a flea market
  • a sugar stick from a cafe you had visited

These things will bring the ride back to mind with every touch.

Ride Public Transport

Become acquainted with the country or city from the inside through the window of a tram, bus, electric train, subway, and observe the locals.

You will see how people discuss the latest country news, reading the press, joking, or rushing to an important meeting. Such a casual experience will let you have a cheap sightseeing tour and see the city in all its details, not only well-known tourist spots.

Add Some Extreme

Long promenades through the streets, museums, and galleries are undoubtedly impressive. But why not add some adrenaline rush to the entertainment program?

Visiting attraction parks, horseback riding, visiting a crazy festival, riding on a cable car, or at least cycling or rollerblading will make your journey more eventful. Give yourself some vivid emotions!