Category: 2025

A Comprehensive Guide to Removing PMI Insurance

Mayra Nieves

Are you paying PMI on your mortgage? Rising home values may help you reach the 80% LTV ratio to drop PMI sooner. In this guide, I’ll show you a simple process to remove PMI from your monthly payments, potentially saving you a lot of money. Understanding Private Mortgage Insurance (PMI): Private Mortgage Insurance (PMI) is a typical requirement for conventional loans when the down payment is less than 20%.   It serves to protect the lender in case the borrower defaults on the loan.   PMI typically adds 0.5% to…

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Carmen Bardeguez-Brown Published Works & Anthologies

Puerto Rico

Carmen Bardeguez-Brown is the author of For the Love of Cooking: Chef Tao, a Memoir (2022). Her published poetry collection includes Meditation on Love, Dancing, Loss and Forgiveness (2022); Three Poets/Tres Poetas, a collaboration with Marlena Maduro Baraf and Julio César Paz (2022); Lo que aprendí al otro lado del mundo, a collaboration with author Julio César Paz (2020); Dreaming Rhythms: Despertando el Silencio (2016); and Straight from the Drums (2012).  Her poetry appears in several anthologies and poetry magazines: Trauma Tresses & Truth ed. by Lizette Wanzer (2021); Boundaries…

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Theresa Varela Award Winning Puerto Rican Author

Puerto Rico
Theresa Varela

Award-winning Puerto Rican author Theresa Varela was born and raised in Brooklyn, New York. She is the recipient of multiple International Latino Book Awards (ILBA): Murder in Red Hook:  A Daisy Muñiz Mystery (2022), Coney Island Siren (2020), Nights of Indigo Blue: A Daisy Muñiz Mystery (2016) and Covering the Sun with My Hand (2015). She holds a PhD in Nursing Research and Theory Development and has worked more than twenty-five years in the mental health field in New York City blending spirituality with culture for healing. Theresa Varela’s relationships…

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The Essentials of Personal Injury Claims: Navigating the Legal Maze

Puerto Rico
steven a bagen law firm

Key Takeaway Recognize the kinds of damages you are eligible to claim in a personal injury lawsuit. Explore how comparative negligence may affect compensation. Learn about the potential role of insurance companies in settling claims. Explore the advantages of employing a personal injury lawyer for your situation. Stay informed about legal developments in personal injury law through reliable sources. Types of Damages in Personal Injury Claims The consequences of an accident can leave people feeling confused and anxious, mainly when dealing with the complexities of submitting a personal injury claim.…

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New York League of Puerto Rican Women

Puerto Rico

  NEW YORK LEAGUE OF PUERTO RICAN WOMEN, INC. We are currently accepting applications for our 2024 Scholarships. These financial awards are granted annually to Puerto Rican/ Hispanic women selected for their academic excellence and service to the community. To be eligible, applicants must complete the application and comply with all 7 of the requirements listed below: 1. Must be currently matriculated as a college student in an accredited institution of higher education, having earned a minimum of 12 accumulated credits and a GPA of 3.0 with no failing grades…

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Emancipation Day in Puerto Rico: Celebrating Freedom and Cultural Resilience

Puerto Rico

Introduction Emancipation Day in Puerto Rico is a significant and deeply rooted celebration that commemorates the abolition of slavery in the island territory. This day holds profound cultural and historical importance, reflecting the resilience and strength of the Puerto Rican people in their pursuit of freedom and equality. Historical Background Emancipation Day in Puerto Rico traces its roots back to March 22, 1873, when the Spanish government, which then controlled the island, enacted the Moret Law. This historic legislation granted freedom to enslaved individuals born after September 17, 1868. The…

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Festival Nacional Del Cafe de Yauco

Puerto Rico

This annual event not only honors the agricultural significance of coffee in the region but also serves as a vibrant platform for showcasing Puerto Rico’s unique traditions and flavors. The festival is a captivating blend of cultural exhibitions, music, dance, and, of course, an abundance of coffee. Visitors are treated to an immersive experience, with artisans and vendors showcasing traditional crafts, local cuisine, and, most importantly, the art of coffee production. From the meticulous harvesting of beans to the intricate process of roasting, the festival offers an inside look at…

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