Take a look at our September newsletter!
REALESTATEPLANNINGLAW.COM 718-698-2200 September 2025
WE KEEP YOU ON THE RIGHT PATH
IN A MANOR OF SPEAKING
What 90+ Years of Combined Mortgage Wisdom Looks Like at Tristar Bonds That Built a Business
and we still work like that every single day. It’s not “my client” or “your file”; we bounce ideas off each other, troubleshoot tough scenarios together, and make sure every loan benefits from our combined 90-plus years of experience. Over the past few decades of Tristar Mortgage, we’ve seen brokers come and go, changing names, or closing up shop. Yet, we’ve stayed strong with the same name and exact location ever since 1998. We’ve even had the chance to become a bank, but staying as mortgage brokers was a deliberate choice. As a bank, we’d only offer one program and one product. That’s not how we want to operate. As brokers, we have the freedom to shop around with multiple lenders and find the best product for every client. We don’t believe in one-size-fits-all. Every homebuyer’s story is different, and we treat it that way. Here’s what we want you to know: The mortgage process doesn’t have to be stressful, confusing, or overwhelming. We know that’s the reputation it has, but that’s because too many people are stuck working with lenders who don’t explain the process or don’t care enough to walk them through it. We do things differently. When you work with us, you’re getting more than just a rate. We’ll shop that rate across our network of trusted lenders to get you the best deal possible. But more importantly, you’re getting a team that takes your home purchase or refinance as seriously as if it were
I’ve had the privilege of working with countless mortgage professionals, but few stand out like the team at Tristar Mortgage. David, Danny, and Johny have built something rare: a company rooted in trust, friendship, and an unwavering commitment to their clients. In this month’s spotlight, I’m excited to introduce you to the trio behind Tristar, a Staten Island-based mortgage firm that’s been making the home financing process smoother for nearly three decades. We’re not your typical mortgage brokers, and we never wanted to be. Back in 1998, the three of us were working at different banks, frustrated by how the industry operated. Too many hoops for clients to jump through and too little transparency. One day, we looked at each other and said, “What if we built something better?” We wanted to create a place where people were treated right, with honesty, integrity, and zero gimmicks. That’s how Tristar Mortgage was born. We’ve been in business ever since, through the housing crash in 2008, through the chaos of COVID-19, and through the countless ups and downs of the market. What’s kept us steady all these years is our bond, our shared values, and the simple fact that we still love what we do.
our own. We understand that this is one of the biggest financial decisions of your life. You deserve honesty, patience, and real answers, not guesswork. We’re hands-on. We talk through every scenario. We still call each other constantly to make sure we’re giving our clients the best solutions. Plus, we’re always on. Nights, weekends, vacations, you name it, we’ve taken calls during all of them. Because when a client needs reassurance or has a question, they shouldn’t have to wait. That’s just how we do things. We know how big these decisions are. Whether it’s your first home, a refinance, or a cash-out for something important, we treat it like we’re doing it for family, and we wouldn’t have it any other way. If you’re ready to make the mortgage process feel less like a chore and more like a conversation with someone who truly has your back, give us a call at 718-720-8600 or visit TristarMortgage.com . We’re here to help, and we’re honored to be part of your journey. –Johny Jack Rukab, and David & Danny Saraf
We’re brothers, best friends, and business partners. We’ve built this company side by side,
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718-698-2200
PAW-SOME ADVENTURES
A Queen Needs Her Castle (Even if It’s Just a Cozy Corner) WELCOME TO THE WOMAN CAVE
It’s time to flip the script. Forget man caves stuffed with neon signs, bar stools, and sports memorabilia (unless that’s your jam). A woman cave is the ultimate self-care sanctuary, a place where cozy meets creative and everything inside reflects you. Whether escaping for quiet time, diving into a hobby, or craving a little glam, this is your personal retreat … and the rest of the world can wait. Claim your space and get creative. You don’t need a palace to create your dream escape. A forgotten basement corner, a spare room with good lighting, or even a backyard shed begging for a makeover will do. Think soft textures, bold colors, and items that spark joy. This is your haven — no permission slips required! Dream up your hideaway. Looking for inspiration? Let your passions lead the way: The book nook of bliss: Surround yourself with towers of stories and poetry, soft throw blankets, a few glowing lanterns, and your favorite novel you’ve already read five times. Add a mug of something warm, and you’ve created a Pinterest fantasy.
your favorite supplies, creative inspiration, and plenty of space to let the magic happen.
Zen den retreat: Imagine low lighting, gentle music, flowing water from a tabletop fountain, and the scent of lavender filling the air. Now drop into a cozy cushion and let the world fade away. Fit and fierce gym zone: Whether you’re pumping iron or mastering your yoga poses, this is your no-judgment sweat sanctuary. Decorate with fun art, motivational quotes, and all the gear you love.
Make time for yourself. The secret to enjoying your woman cave? Schedule it. Add “me time” to your calendar like it’s the most
important meeting of your week, because it is. Your woman cave is your new favorite escape that celebrates everything you love — use it to the fullest.
Craft queen command center: Whether you’re into painting, scrapbooking, knitting, or DIY wizardry, build a corner stacked with
Home Café Vibes The Viral Trend Making Mornings Magical
If your morning coffee run is the highlight of your day, you’re not alone. But what if you could bring that cozy café vibe home? That’s the idea behind the wildly popular home café trend circling the internet, where people are turning their kitchens into photo-worthy coffee and bakery pop-ups. The best part is that you can do it, too!
This trend taps into the power of cozy rituals and aesthetic spaces. It goes beyond just making a cup of coffee; it’s about creating an experience. Think rustic pastry displays, handwritten chalkboard menus, syrup pumps lined up like your favorite café, and fresh-baked muffins in a tiered stand. The vibe is charming and personal! Clear a designated “café corner” in your kitchen to get started. This doesn’t require a remodel — a small counter section or rolling cart works perfectly. Add your coffee essentials: a machine, frother, and your favorite mugs. Then, style it up! Install baskets for pastries, a tiny vase of flowers, and even a café bell for fun. If you want to go the extra mile, you can print a mini menu for your family with drink or bakery specials, try your hand at homemade syrups or infused cold foam, or even use glass jars for sugar and stirrers!
According to Eater, an online resource for all food-related trends, the home café craze exploded as a creative outlet during the pandemic and has stuck around to slow down and make mornings feel special. Hosting “pop-ups” for your family or friends on the weekend is also incredibly fun. Set out croissants, brew something fancy, and let them “order” their drink. You don’t need to be a trained barista, just someone who enjoys making a little magic. So, whether you’re channeling cozy bakery vibes or your favorite local roaster, a home café is a great way to have fun hosting. All it takes is a little creativity, some coffee beans, and the desire to add a little extra to your routine.
Your dream café may be one kitchen counter away!
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Know the Difference Between General and Durable Power of Attorney PLANNING FOR ‘WHAT IF’ MOMENTS STARTS HERE
Why Durability Matters The term “durable” refers to the ability of the power of attorney to remain in effect even after you are no longer able to make decisions for yourself. This can be a critical safeguard. Without it, your loved ones may be forced to go through the courts to establish guardianship just to help you with basic financial matters. A durable power of attorney helps you maintain control because you decide who can step in, instead of leaving it up to a judge. A Conversation Worth Having At Merlino & Gonzalez, we help clients think ahead with clarity and confidence. If you’re a parent, a homeowner, or simply someone who wants to be prepared, understanding how a power of attorney works and which kind is right for you is a great place to start.
When it comes to planning for the future, few documents are more crucial than a power of attorney. But not all POAs are created equal. If you’re looking to give someone the authority to act on your behalf, especially for financial or legal matters, it’s essential to understand the key difference between a general and a durable power of attorney, especially here in New York. The Power You Grant (and How Long It Lasts) A general power of attorney gives your chosen agent broad authority to act in your name. This can include managing bank accounts, handling real estate transactions, paying bills, and dealing with tax matters. Essentially, anything you can do, they can do, legally speaking. In New York, these general powers are automatically considered “durable” unless your document explicitly says otherwise. That means your agent can continue managing your affairs without interruption if you become incapacitated due to illness or injury.
Let’s talk through your options and make sure your wishes are honored, no matter what the future holds.
Grilled Teriyaki Flank Steak Michele’s Recipe Corner
INSPIRED BY THESHORTORDERCOOK.COM
INGREDIENTS • 1 1/2 lbs flank steak
DIRECTIONS 1.
In a large bowl, whisk together marinade ingredients. 2. Place the flank steak in a large, rimmed dish. Pour the marinade over the meat. 3. Refrigerate and allow to marinate for 15 minutes. Flip and let marinate for another 15 minutes. Add the meat to the grill and cook for 3–5 minutes on each side. Leave the grill lid open to avoid overcooking. 6. For a medium-rare steak, remove from grill at 130 F internally, and for medium, remove at 140 F. 7. 4. Preheat grill to 400 F. 5. Let the meat rest on a cutting board for 5–10 minutes. Then, slice against the grain into thin pieces and enjoy!
Marinade •
2/3 cup red wine
•
1/2 cup soy sauce or tamari 1/3 cup brown sugar 1/4 cup sesame oil 1 tbsp sesame seeds 1 tsp minced garlic 1/4 tsp black pepper
• • • • • •
Take a Break
1/4 tsp ginger powder
•
1/4 tsp red pepper flakes (optional)
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718-698-2200 | realestateplanninglaw.com WE KEEP YOU ON THE RIGHT PATH Tristar Mortgage: Making Home Financing Personal (and Pleasant) Page 1 Move Over Man Cave, the Woman Cave Has Arrived! From Countertop to Coffee Shop Page 2 Who Speaks for You if You Can’t? Know the Difference in POA Types Grilled Teriyaki Flank Steak Page 3 3 Unmissable Events to Light Up Your September Page 4 INSIDE THIS ISSUE
TURN UP THE TUNES AND LIGHT UP THE NIGHT THESE STATEN ISLAND EVENTS ARE THE HEART OF SEPTEMBER
Water Lantern Festival Sept. 20, 4–8 p.m. | WaterLanternFestival.com
Ready to make this September one to remember? Staten Island is serving up a full lineup of unforgettable events that will have you dancing in the park, lighting up the night, and celebrating culture with your whole crew. So, mark your calendar, rally your friends and family, and prepare for a month packed with heart, heritage, and hometown fun! The Westerleigh Folk Festival Sept. 20, 11 a.m. to 7 p.m. | CommunityArtsCommission.org
Step into a night of wonder at the Water Lantern Festival, where glowing dreams meet flowing waters. As the sky darkens and music fills the air, you’ll craft a lantern carrying your hopes, memories, or messages to loved ones, then watch it join hundreds more drifting across the water in a breathtaking display. Savor delicious eats from local food trucks, dance to live tunes, and explore activities for all ages. More than just an event, it’s a soulful celebration of connection, reflection, and joy. Hispanic Heritage Day Sept. 28, 11 a.m. to 4 p.m. | HistoricRichmondTown.org/events In honor of National Hispanic Heritage Month, the whole family can come and witness a captivating performance by the acclaimed Calpulli Mexican Dance Company, blending traditional dance with rich storytelling and folklore. Step into the past as you explore historic homes and working trade shops featuring live demonstrations of traditional weaving, broom making, and mouthwatering recipes representing Hispanic and Latinx cuisines. It’s a day full of heritage, history, and hands-on fun in one of Staten Island’s most treasured sites.
Head over to the 18th Annual Westerleigh Folk Festival on Saturday, Sept. 20, in Staten Island’s beloved Westerleigh Park! WestFest is a joyous, day-long celebration of music, arts, and community featuring two live performance stages, over a dozen musical acts,
artisan vendors, pony rides, art workshops, and family-friendly activities. This free event brings together all ages for a day filled with culture, creativity, and connection. Discover new talent, shop handcrafted goods, and celebrate Staten Island’s rich artistic spirit. Bring your friends, your family, and your love for the arts!
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