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02-Jan-2020 16:12 by 8 Comments

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When Capital Bank’s Brad Cohen was just 13 years old, he had started a door to door auto detailing business in the Bethesda Palisades.

Now place the smaller box inside so that it’s centered in the larger one and start filling the edges around it with your mix.When most kids were earning spending money by working at local fast food spots, Brad had earned enough to pay for half of his college education.Eventually, he had over 100 regular standing clients, a roster that included the CEO of Discovery Channel and some other high net worth executives.“I would rather have no mortgage payment than a tax deduction that doesn’t make that much of a difference.Most buyers want a 30 year amortized loan but when refinancing, I always recommend a shorter term,” he adds.I was initially panicked trying to figure out how to just make the interest only payments.

When the rates dropped after the financial crisis in 2008, a refinance boom ensued allowing me to pay off more each year and I became obsessed with getting rid of the mortgage as fast as possible!

What tips does Brad have for mortgage loan bankers who are new in the industry? You also need to treat people the way you’d like to be treated.

When I was washing cars, I’d treat the car as if it were my own and I treat clients’ money the same way,” he says.

Thalita here from The Learner Observer back with an easy DIY tutorial that you can make anytime of year – a concrete planter!

This method doesn’t use any fancy concrete forms or molds, giving it a fun slouchy paper bag kind of style, but you could use any container you can think of to give it the shape you want.

You may also need to do this on the edges so that they’re a bit smoother. It’s an easy and unique little piece in our laundry room now!