Saturday, December 19, 2009

STORY OF RUDOLPH THE RED NOSED REINDEER... confirmed true by SNOPES


A guy named Bob May, depressed and brokenhearted, stared out his drafty apartment window into the chilling December night. His 4-year-old daughter, Barbara, sat on his lap quietly sobbing. Bobs wife, Evelyn, was dying of cancer. Little Barbara couldn't understand why her mommy could never come home. Barbara looked up into her dads eyes and asked, "Why isn't Mommy just like everybody else's Mommy?" Bob's jaw tightened and his eyes welled with tears. Her question brought waves of grief, but also of anger. It had been the story of Bob's life. Life always had to be different for Bob. Being small when he was a kid, Bob was often bullied by other boys. He was too little at the time to compete in sports. He was often called names he'd rather not remember.

From childhood, Bob was different and never seemed to fit in. Bob did complete college, married his loving wife and was grateful to get his job as a copywriter at Montgomery Ward during the Great Depression. Then he was blessed with his little girl. But it was all short-lived. Evelyn's bout with cancer stripped them of all their savings and now Bob and his daughter were forced to live in a two-room apartment in the Chicago slums. Evelyn died just days before Christmas in 1938. Bob struggled to give hope to his child, for whom he couldn't even afford to buy a Christmas gift. But if he couldn't buy a gift, he was determined a make
one - a storybook!

Bob had created an animal character in his own mind and told the animal's story to little Barbara to give her comfort and hope. Again and again Bob told the story, embellishing it more with each telling. Who was the character? What was the story all about? The story Bob May created was his own autobiography in fable form. The character he created was a misfit outcast like he was. The name of the character? A little reindeer named Rudolph, with a big shiny nose.

Bob finished the book just in time to give it to his little girl on
Christmas Day. But the story doesn't end there. The general manager of Montgomery Ward caught wind of the little storybook and offered Bob May a nominal fee to purchase the rights to print the book. Wards went on to print Rudolph the Red-Nosed Reindeer and distribute it to children visiting Santa Claus in their stores. By 1946 Wards had printed and distributed more than six million copies of Rudolph. That same year, a major publisher wanted to purchase the rights from Wards to print an updated version of the book. In an unprecedented gesture of kindness, the CEO of Wards returned all rights back to Bob May. The book became a best seller. Many toy and marketing deals followed and Bob May, now remarried with a growing family, became wealthy from the story he created to comfort his grieving daughter.

But the story doesn't end there either. Bob's brother-in-law, Johnny Marks, made a song adaptation to Rudolph. Though the song was turned down by such popular vocalists as Bing
Crosby and Dinah Shore , it was recorded by the singing cowboy, Gene Autry. "Rudolph the Red-Nosed Reindeer" was released in 1949 and became a phenomenal success, selling more records than any other Christmas song, with the exception of "White Christmas." The gift of love that Bob May created for his daughter so long ago kept on returning to bless him again and again. And Bob May learned the lesson, just like his dear friend Rudolph, that being different isn't so bad. In fact, being different can be a blessing!

Friday, December 11, 2009

OLD SCHOOL SQUARE’S CREST THEATER PRESENTS WINTER WONDERLAND ON ICE


With 3 performances coming up, you don’t want to miss the international cast of champion pairs an soloists, colorful costumes and exciting music, electrifying jumps, lifts and spins and enchanting vocals.  Olympic Bronze medalist and 2-time European Champion Jozef (“Jumpin’ Joe) Sabovcik will WOW us with his skating performance.  Performances are Friday, December 18th at 8 pm; Saturday, December 19th at 2pm and 8pm; Sunday, December 20th at 2 pm and 7 pm.   


Tickets are $42 and can be ordered online at http://www.oldschool.org/ or by calling 561-243-7922, ext 1.  The Crest Theatre is located at Old School square, 51 No. Winton Avenue, Delray Beach.   


Come early with the elementary school (and pre-school) children who can ride the Carousel.  Carousel hours are 5-9 pm weekdays and 1-9 pm weekends and during school break.  Rides are $2 each.

Monday, November 30, 2009

STAGING TO SELL… WHAT IT’S ALL ABOUT



Robb & Stucky in Boca Raton will present ideas for anyone thinking of selling their residence on December 29th at 2 pm.   Learn how to “prep” your home for a faster sale, and how you can make your property stand out from others on the market.   It could make the difference in this highly competitive market as to whether the house sells or not, and/or result in getting a faster sale.  Details also will be discussed on current real estate market trends. 


Robb & Stucky is located in Mizner Park at 200 Plaza Real.  You can also request a complimentary design consult.  Call 561-862-5597 to reserve a seat for this seminar which is free to the public.  Click here for a list of other seminars and events at the Boca Raton store.

Saturday, November 28, 2009

WHAT TO DO AT GUMBO LIMBO NATURE CENTER in BOCA RATON





Founded in 1984, Gumbo Limbo’s mission is to increase public awareness of coastal and marine ecosystems through research, education, preservation and conservation.   Stroll through the butterfly garden, climb the observation tower located on the winding boardwalk through coastal hammock, sit in a Chiki hut, visit the saltwater tanks brimming with marine life, including sea turtles, fish, sharks and rays and take pictures in our sea turtle garden with 7 giant turtles. 

Marine and coastal environmental education for the community is provided through classes, workshops, lectures, field trips and research.  Programs are given for children, adults and families. Sea Turtle Research includes information on tracking them and observing their nests in the area.   Closed on Christmas and New Years Day, the Center is open 361 days a year, Monday thru Saturday from 9 am – 4 pm, Sunday from Noon to 4 pm.  For information, call 561-338-1473.

Saturday, November 21, 2009

MIZNER PARK MALL OWNER TO EXIT BANKRUPTCY BY 2010


According to Reuters, General Growth Properties, the second-largest mall owner in the U.S., which operates Boca Raton's Mizner Park mall, has reached a deal with its lenders to extend loans, a move that will allow it to exit bankruptcy by 2010. Representatives from 70 of General Growth's loans, some of which exceeded $1 billion in value, agreed to extensions averaging six years. The Chicago-based company's financial woes, marking the biggest real estate failure in U.S. history, according to a report from Reuters, have underscored the nationwide retail crisis, as vacancies in the retail real estate sector have continued to mount as the holiday season approaches.

Friday, November 20, 2009

DEED FOR LEASE PROGRAM (DL-4)




New program announced by Fannie Mae (Federal National Mortgage Association) to keep mortgage-challenged borrowers in their homes.  Qualified borrowers relinquish the deed to their property and rent their home at market rate for 12 months.  To read more about it, see Chris Thorman’s informative blog.   Your comments are most welcome!

Wednesday, November 18, 2009

CAN LIFE SETTLEMENTS WORK FOR YOU AS A NEW SOURCE FOR FUNDS?



·        Your term policy can be evaluated in the Life Settlement Market if it can be converted to Universal Life; it would be converted during the closing process
o      If your health has deteriorated to the point where premiums on new life insurance would be cost prohibitive converting term to universal or whole life may be the only viable option


·        Have your whole life premiums escalated making you consider surrender or lapsing the policy perhaps for low cash payout?  A Life Settlement MAY BE THE BEST SOLUTION – cash out under performing insurance and use the proceeds to purchase more appropriate coverage.


·        Does your business hold life insurance that may no longer be necessary, and in need of reevaluation and change to life settlement or other solution, e.g.
o      due to retirement of key executive
o      partnership dissolution
o      executives who do not wish to keep a policy in a retirement package in force
o      change of business ownership
o      exit strategies for benefit programs
o      proper market asset valuation of business owned life insurance

·        Do you have life insurance providing a deferred benefit to a charity, and if so, would you prefer a solution that will make more immediate donations during your lifetime?  If yes, consider a life settlement solution.  The charities then will not have premium obligations when you pass on.

MORE INFORMATION

Sunday, November 8, 2009

1st TIME HOMEBUYER CREDIT EXTENDED TO APRIL 30, 2010


The $8000 tax break for first-time home buyers would require a signed purchase agreement contract, and will have a 60-day cushion beyond the end of April to complete the closing.

In addition, existing homeowners who have lived in their current residence for at least 5 years but want to relocate to a new primary residence can use a $6,500 tax credit.

Income limits for both would be $125,000 for individuals and $225,000 for couples.

The tax break would be offered on homes priced at $800,000 or less
Recipients who sell the home or stop using it as their primary residence within 3 years would be required to repay the credit

Saturday, November 7, 2009

ART REIGNS SUPREME


The New York Times reports that prices at Sotheby’s Auction far surpass estimates. A recent auction was well represented by buyers from the US, China, Latin America and Russia. A Derain, “Barque au Port de Collioure sold for $14MM recently, the highest price for one of the artists works at auction. It was estimated to sell for $8MM but there were 3 bidders and one was determined to win the painting.

Sunday, November 1, 2009

TIME FOR A RETURN TO THE VICTORIAN ERA?

Are you interested in Victorian homes in Palm Beach or Broward County? Call Marilyn at 561-302-3388 for more information.

Meanwhile, mark your calendar now for a very interesting afternoon. Enjoy a “Harvest Tea” and treats with Victorian hostesses in costume and your personal butler, most elegantly done by The Mad Platter Catering and Befitting Just Your Style at Robb & Stucky at 200 Plaza Real in Mizner Park on Wednesday, November 23 at 2 pm. See a traditional Victorian Thanksgiving… and get new ideas for your own holiday. Tips will be offered on blending older furnishings with today’s lifestyle with your own distinctive touch. Reserve by calling 800-838-5931 for pricing and reservations.

Design Professionals: Did you know that Robb & Stucky offers CEU Classes for you? See http://www.robbstucky.com/CEU-Classes-for-Design-Professionals.aspx?Id=10 for list of classes.

Friday, October 23, 2009

AUCTIONS: BEST BUYS IN TOWN & HISTORIC HOMES: WHAT’S OLD IS NEW AGAIN


For BEST BUYS IN TOWN and WHAT'S OLD IS NEW AGAIN See The Examiner.

Sunday, October 18, 2009

WEEK OF 10-12-09 PENDING SALES ROSE BY 2% IN SOUTH FLORIDA


Buyers are becoming aware that NOW is the BEST TIME EVER to buy in Florida, and the best properties are being bought up as you read this. Front runner Palm Beach County was up 3%. Have you been out looking for the best possible deal? Better hurry….

Saturday, October 3, 2009

HOW LONG WILL FOODS STAY OKAY IN YOUR HOME?






Keep it or toss it? Head over to http://www.stilltasty.com, and find out shelf life, and length of time it’s ok in the refrigerator or freezer. Search for the foods you want to know about. You might find some surprises!

Thursday, October 1, 2009

529 COLLEGE SAVINGS PLAN CHANGES PROPOSED


Among recommendations from the White House Task Force on Middle-Class Working Families (Treasury Department) here are some proposals:

  • 529 plans getting greater availability of age-based index funds that shed equities and add fixed-income assets as beneficiary approaches college
  • eliminating a “home-state bias” for fee and state tax assessments which currently force families to use funds offered in their home state rather than in others
  • put limits on balances on a per-beneficiary bases rather than on state-by-state basis
  • Treasury should collect data from surveys re 529 plan participation and investments
  • Strengthen compliance and monitoring of Section 529 accounts and disbursements
  • Simplify the Free Application for Federal Student Aid (FAFSA) which currently has 153 questions, some having no impact on student aid – over 1MM eligible students fail to fill out this currently complex form
  • Tailoring the form to individual students
  • Allowing students to electronically retrieve their tax info from the IRS and enter it into the online FAFSA

MARILYN FARBER JACOBS is a Licensed Advisor / Independent Insurance Agent – who has College Savings Plans to tell you about, using a 529 Plan, term, universal life or whole life plans so that you, or someone you know, can make an educated choice.

Wednesday, September 30, 2009

HOME BUYERS GUIDE FOR FIRST TIME HOMEBUYERS


FIRST TIME HOME BUYERS GUIDE

Sunday, September 27, 2009


SEPTEMBER 2009 HOUSING NEWS

HOUSING INDUSTRY GROUPS WORKING ON APPRAISAL REFORMS


Things are looking up as this thorny appraisal vs.comparables problem is faced at last. Among the issues being discussed jointly by the NAR (National Association of Realtors), NAHB (National Association of Builders), MBA (Mortgage Bankers Association and appraisal groups are:

· Appraisers not using proper adjustments on comps (comparables) on foreclosed or other distressed properties

· The HVCC (Home Valuation Code of Conduct) impacting the ability to get quality appraisals in distressed markets

· Some appraisers for comps in area they are not familiar with and that impacts the appraisals, driving down home values

· Urging federal regulators to adopt and enforce more clear regulatory guidance on appraisals for distressed and foreclosed properties for realistic valuations and truly comparable sales

· Calling for immediate action to address these appraisal-related claims

· Sometimes appraisers do a “drive by,” only looking at the exteriors of homes as they do not have access, and distressed properties often have apparent problems inside as compared to new, updated, and “market-ready” homes.

Okay government, let’s get this fixed. It IS BROKE.

Thursday, September 24, 2009

MAKING HOME AFFORDABLE PROGRAM


FOR THOSE WITH PROBLEMS PAYING THEIR MORTGAGES THESE LINKS MAY BE OF INTEREST


MAKING HOME AFFORDABLE PROGRAM


BUYING FORECLOSURES

FORECLOSURE PREVENTION


SHORT SALE GUIDE, ISSUES, PITFALLS AND MORE


Keep in mind: Marilyn's team includes CDPE Graduates (CERTIFIED DISTRESSED PROPERTY EXPERTS) and if you know someone who could use our help, please let us know who they are, or suggest they call us. We will do the best that we can to be of help. Call Marilyn at 561-988-0070 for more information.

Friday, August 28, 2009

DID YOUR PRELIMINARY PROPERTY TAX BILL GO UP?

While local headlines SCREAM that Florida properties were devalued even more this year (did I hear 18%?), the property taxes, inexplicably, are going UP UP AND AWAY. Appeals to the county’s Value Adjustment Board by angry taxpayers for their 2009 property tax bills are expected to climb, perhaps by over 20% up from 13,200 appeals in 2008, challenging property assessments and homestead and tax exemption classifications. Petitions can be file online or in person at 301 N. Olive Avenue, West Palm Beach, until September 14th, and there is a $15 filing fee. For more information call the Clerk and Comptroller's office at (561) 355- 6289. The Clerks office says that while the increase in appeals may be due to the economic downturn, a state law has changed requiring the property appraisers office to prove their assessments are accurate. In the past the property owner had to prove the assessment was wrong. Special magistrates must be hired to settle disputes between property owners and the county property appraisers office. Responsibility for processing petitions and scheduling hearings lies with the Clerks office. Preliminary tax notices were mailed Friday to all county property owners.

Wednesday, August 19, 2009

FIRST FLORIDA POPULATION DROP SINCE MILITARY PERSONNEL LEFT IN 1946


Blaming the recession and steep drop in new residents of 58,000 over the past year for plunging tax revenues jobs in construction, real estate and mortgage lending have disappeared. This has resulted in empty classroom seats, down about 10,000 statewide compared to the previous year. Current popular is about 18.3 million, says the US Census Bureau.

Florida’s unemployment rate in June was 10,6%, highest rate since 1975, one of the highest rates in the US. Estimates used data from residential electric hookups, building permits and homestead exemptions.

Another factor fewer people are moving to Florida is their inability to sell their homes elsewhere to be able to move here.

However, growth is expected to resume as the economy improves.

Friday, August 14, 2009

THANK YOU KELLER WILLIAMS REALTY SERVICES


Congratulations to
MARILYN JACOBS for
Earning the
Partner in Growth Award
for July 2009
KELLER WILLIAMS REALTY SERVICES

STIMULUS PACKAGE’S FIRST TIME HOME BUYERS TAX CREDIT MAY BE EXPANDED

The $8000 tax credit for new buyers using FHA-insured loans can be used for additional down payment funds or towards closing costs, and is set to expire November 30th. It has been very popular among first time home buyers to the extent of recent home sales to 1st time home buyers are estimated to be 40% of the market. There is talk from Senate and Congress of:

· extending the tax credit by the end of the year

· raising the tax credit to 15% or 10% of the home’s purchase price, whichever is lower

· removing income restrictions (currently available only to households making $75,000 or less)

· extending tax credit to ALL home purchasers, not just first-timers

· Estimates are that just upping the credit to $15000 would lead to 400,000 more home sales

Foreclosures weighing down many markets would be sold and absorbed. Let’s see if these ideas are passed and implemented.

Friday, July 31, 2009

WANT TO SEE THE US DEBT and PER CITIZEN LIABILITIES?

US DEBT CLOCK

Thursday, July 30, 2009

CASE-SHILLER HOME PRICE INDEX RISES


A May 2009 increase of 0.5% in the closely watched Case-Shiller home price index indicates that the US housing recovery is seen possible now. Prices tumbled more than 32% from their peak in 2Q 2006. Case said that prices may be at the bottom now.

· Preventative risk--management must be a priority going forward, according to Shiller.

· He also stated that the mortgage contract structure must be made to protect home-buyers in case of a downturn. “The new standard for mortgage should be a continuous work-out mortgage,” so that “if home prices fall then your mortgage payment will go down.”

· Shiller cautioned that recent bank bailouts were “extraordinary events that we should want to prevent as much as possible in the future.”

· In June new home sales jumped 11%, the biggest monthly gain in 8 years according the US Commerce Department.

· National association of Realtors said existing home sales rose for the 3rd straight month in June.

But, with unemployment and foreclosures still rising, caution was advised. Shiller said that confidence in the US financial system is crucial for an economic recovery, and can be best restored by having a clear regulatory framework for investors. He mentioned that foreign investors who were thinking about putting money in this country are feeling somewhat less assured.

Tuesday, July 28, 2009

REPORTS SHOWING HOUSING MARKET ON THE MEND


With sales up in all four regions of the United States, and the number of previously occupied homes sold in June being the third month in a row to go up, this kind of expansion has not been seen in almost 5 years.

Sales roses 3.6% according to the National Association of Realtors. The foreclosure market is shrinking. It is meaningful that about on third of homes sold in June were foreclosure related, down from nearly half of those sold earlier this year. See the Federal Housing Finance Agency report showing home prices rose almost 1% in May.

There has never been a better time to buy a home in Florida with interest rates down and home prices so much lower than in recent years. The “best buys” are starting to be snatched up now.

Thursday, July 23, 2009

NEW PLAN BEING DISCUSSED FOR HOUSES IN FORECLOSURE

According to the Florida Association of Realtors, a plan being developed by both Obama and Congress will allow homeowners to rent their foreclosed home for at least 5 years, maybe as long as 10 years. Motivated by the thought that Florida doesn’t need any more vacant homes, and that the modification plans have not been as successful as Congress hoped, the overall economy as well as the real estate situation in Florida could change for the better with this plan. Florida’s foreclosure rate remains third highest in the nation. One in every 33 households received a default notice, auction notice or bank repossession. One plan is for lenders selling foreclosed homes to approved professional landlords. Another idea is for lenders to sell to private investors, or keep the home and hire a management firm to handle the rental. However, some warn of banks wanting to shed properties rather than become landlords and selling to low-balling investors, which would knock prices farther down.

Saturday, July 18, 2009

PLEASE SCROLL DOWN FOR INFO ON AN OPEN HOUSE SUNDAY 7-19, 3-5 PM IN PALM BEACH FARMS-2006, WATERFRONT-GORGEOUS

If you cannot attend the open house
and want a private showing, call
MARILYN FARBER JACOBS, Realtor
at 561-988-0070 to set an
appointment that is convenient for you.

Palm Beach Farms is in an A-Rated
Boca Raton
School district, wonderful
neighborhood with NO ZERO LOT LINES,
and has a playground for the kids.

Price just lowered on this approximately
1/2 acre property on private, gated road.
Boat dock for 30' boat.

VISUAL TOUR


Directions: I95-Palmetto West
Take first right, SW 12th to Circle
Go left (SW 18th St) and take
next right, Isabel Rd Oeste,
to end through white gates.

Please scroll down a bit to see the
information, and click where it says
CLICK TO VIEW FULL PAGE
.
























Description
and Features
Beautiful Curb Appeal. Circular decorative driveway, 12' x 10' portico, double arched pecky cypress oversize front doors, arched windows. PRETTIEST home in the area. Very Private. One gated private road - side road is one lane, one way - LIMITED TRAFFIC. Great flow for entertaining. Lots of room for the whole family. Master Bedroom upstairs for privacy. 4 Bedrooms on First Floor. UPGRADES EVERYWHERE - like NEW - MOVE RIGHT IN! Near I-95, shopping, downtown, beach and ocean. Watch fabulous sunsets from upstairs south facing Balcony off Master Bedroom. QUIET, SERENE NEIGHBORHOOD where Tropical Trees and plantings abound! THIS is FLORIDA LIVING at it's best! Be sure to click bottom link for Virtual Tour, many more photos.
Bedrooms:5
Bathrooms:5
Parking Spaces:3
Square Feet:4614
Lot Size:19602
Year Built:2006
Floors:3
MLS #:R2954219
Location
Click to view map: 2198 Isabel Road Oeste Boca Raton FL 33486
Links

Friday, July 10, 2009

LET IT SNOW… LET IT SNOW… and BRING YOUR MITTENS to a “COOL” EVENT

The last time your editor saw snow in Palm Beach County was when visiting during the winter of 1976, when snow briefly fell in Palm Beach near the water. Palm Beach County will have it’s own winter wonderland this weekend at the Palm Beach Zoo in Dreher Park, Southern Boulevard just east of I-95, for “little kids” and “big kids”. “Winter in July” will be held from 10 am to 4 pm both days. Forty… yes FORTY TONS of snow will fall. Many ice-age fossils will be on display. You can go on a fossil dig, make a fossil shark-tooth necklace, enjoy children’s entertainment, have animal encounters, visit the “sand box” to create your own cool treat, relax in the Florida Pioneer House and hear Arctic-themed stories, meet the “Snow Queen” and learn about sun safety. Go “ice-fishing” and see what prize you can reel in. Admission for adults is $12.95, Seniors 60 and up $9.95, Children 3-12 $8.95, children under 3 and zoo embers are free. The purpose is to educate children about the importance of sun safety and let them experience the wonders of winter without leaving Palm Beach County. The event is co-sponsored by South Florida Parenting Magazine and Panera Bread Company. Sun Safety materials are provided by the Skin Cancer Foundation and Armchem. Daily events at The Zoo include an interactive “Wings Over Water” show with 20 trained birds, 11-3 weekdays and 11-2 weekends This is sponsored by AirTran. The “Wild Things Show’ includes New Guinea Singing Dogs Mic and Sidney, Scooter the South Asian binturong, Xena the African pygmy hedgehog and Boris the Scarlet Macaw and a Brazilian rainbow boa. Come visit and enjoy seeing all the animals!

Tuesday, July 7, 2009

THE USUALLY GLOOMY CASE-SHILLER INDEX STARTING TO REPORT REAL ESTATE GAINS

With the overall report slightly negative for last month, if Dallas, Denver, DC, Seattle, San Francisco, Atlanta, Boston and Cleveland are showing small increase in home sales, will FLORIDA BE NEXT? According to Realty Times, “even the most bearish of researchers agree: prices are bottoming out, even in some of the hardest hit areas.” They report that detached houses resales were up 56% over a year ago, and condo sales up 30%. Sale prices, however, were down, e.g., down 38% in Phoenix. Consumer confidence is up, especially in willingness to consider “big ticket” items, such as a home. With mortgage rates still very low, this may be THE LAST BEST TIME to buy, RIGHT NOW. Keep in mind that with so many job losses every month and unemployment rates very high, touch credit and underwriting, it is not yet “happy days are here again” by any means. But how nice it is to see a start to home sales trending UP.

Sunday, July 5, 2009

INSURANCE PURCHASE TRENDS


According to an article in the July issue of Insurance News Net Magazine, “After Americans lost their shirts in the federally regulated equities market, they were able to find refuge with the guarantees afforded by indexed annuities… Americans who placed over $150 billion in these secure products since 1995 have been sleeping easier at night because of the guarantees.”

Seeking a flight to safety for their reduced holdings, and this includes families who now have one income instead of two, many are placing funds in affordable term insurance, applications for which have climbed steadily over the years.


Marilyn can tell you about term policies that can be converted to cash value universal or whole life policies when you are ready to increase premiums as the economy improves. Meanwhile, your family will be protected. For example Marilyn just wrote an application for a 47 year old male, non-smoker, preferred status, for $750,000. Term is 15 years; convertible. Premium: under $72/month. Premiums will vary with age, tobacco usage and health status. It is predicted that in the future longer term policies will not be available or will be disproportionally more expensive.


Fixed annuities were up 74% for 1Q09 vs. 1Q08. Life insurance applications for the age 60+ group climbed 11.3% in May-09 compared to May-08.

Marilyn Farber Jacobs (561-988-0070) is a Licensed Advisor / Insurance Agent with American Life & Health Group, Inc.