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H appy T hanksgiving ! A TIME TO SHOW GRATITUDE
NOVEMBER 2022
me to own and operate a business like this if I lived in that country.
I’m also grateful to my parents for raising my sister and me to believe that we could do anything we set our minds to. They were constantly encouraging us and would tell us that we were smart and could do anything that anyone else could. They worked hard to ensure that we had options in life, and I never thought there was something I couldn’t accomplish thanks to their support. Even when things are tough, I’m able to stay level-headed because of this inner belief my parents instilled in me that I can get through anything. Additionally, I’m thankful that my parents were so education- focused and were supportive of our educational goals. It’s allowed my sister and me to have careers that
November has arrived, and soon, we’ll be gathering with friends and family to celebrate Thanksgiving. We used to travel up to New Jersey to spend Thanksgiving with my husband’s family, but that became impractical once we had kids. Now, they come to Atlanta, and we have a big celebration with my family and my husband’s family together. Although I love to cook, I will pass off the responsibility to my sister and her husband as cooking something as involved as a Thanksgiving dinner with three toddlers running around seems daunting. She and her husband do a fantastic job getting everything together, and I’ll be there to help with whatever she may need. While we might associate Thanksgiving with a giant feast spent with our loved ones, there’s more to the season than that. It’s time to give thanks for all that has happened in our lives. We move so fast during our everyday routine that we rarely take time to reflect on our journey and the sacrifices made by others to help us get to where we are today. There’s plenty for me to be grateful for this year. One of the things that I’m most thankful for every year is that my family was able to immigrate to this country when I was little. It’s allowed me to grow up experiencing a sense of freedom. I grew up hearing stories from my grandparents and other relatives about what it was like to live in a communist country. I wouldn’t have had the educational or entrepreneurial opportunities that have allowed
we’re passionate about. I’m grateful that my family has remained healthy over the years. We’ve had a number of medical scares, but everyone has pulled through and is doing well today. Even in my own life, I had a doctor tell me that I wouldn’t be able to have children. It took the better part of a decade, but now we have three beautiful, healthy children and I couldn’t be more grateful for them. I don’t see many negatives in my life and am incredibly thankful for all of the experiences I’ve had. Even when I face a challenge, I know that the challenge presents a great learning opportunity for me. I’m grateful for this business, our clients, and their trust. It’s a wonderful feeling to help others. I’m also grateful for my team that has stood by my side for a long period of time and has entrusted me with their careers. I am grateful to friends and extended family who have supported me throughout my life. And I am most grateful for my marriage and my miracle children. Thanksgiving is a time to share our gratitude with others and give thanks for all we’re given in our lives. I hope you all have a wonderful Thanksgiving!
- Esther Vayman
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T hinking A bout D ownsizing ?
home and use it for something else. For example, it can be used as a down payment for your new home, get stashed in a savings or retirement account, or go toward your dream vacation. 3. WHAT WILL YOU DO WITH ALL OF YOUR STUFF? Depending on where you decide to move — a condo, apartment, or a smaller house — you will likely need to part ways with some things. You want to consider how much space you’ll have in your new home and what items will follow you on your next journey. Getting rid of some of your belongings can be difficult, so ensure that you’re prepared to leave some things behind. Consider donating some of your items to shelters and centers. Although your items may not be used by you, they can go to someone in need. The most important question you can ask yourself is if you’re truly ready to downsize. The questions here will help you determine if downsizing is the right choice for you during this time. But don’t feel rushed to decide if you need to make life changes now. Take your time with this decision — you have more free time now than ever.
3 QUESTIONS TO CONSIDER
Whether you’ve become an empty nester or are about to retire, you may decide to downsize your home. But before doing this, there are many factors you must consider. Here are three questions you should ask yourself before downsizing. 1. HOW DO YOU WANT TO LIVE? To find out where you want to live, you must first ask yourself what you want to do. A great place to start is by determining what you want to do with your free time. Do you want to spend time in nature, go on frequent getaways, or be involved in your community? Once you know how you want to spend your time, you can begin looking for places that best suit your needs. 2. WHAT WILL BE THE FINANCIAL BENEFITS OF DOWNSIZING? Before purchasing a new home, you want to see if there are benefits to moving and downsizing. Depending on what the market looks like, the worth of your home and land, and where you choose to move next, you can take the money you earn from your current
MARI PUTS OUR CLIENTS FIRST
A nd H as a B right F uture A head of H er She’s currently enrolled in college and initially thought she wanted to be a teacher. She took a job as an assistant teacher and decided it wasn’t the best path for her. After taking her first psychology course, she decided that she wanted to go into that field but was still open to the idea of going to law school in the future. Mari wanted to get some firsthand experience in the legal field so she came to work for us to see if it was a good fit. She’s still in college but is expected to graduate this year. She stays busy with her job, full-time school schedule, and preparing for the LSAT. Mari is involved in many aspects of the business and enjoys helping out where she can. She spends plenty of time on the phone introducing clients to the firm, helping them with their needs, and will also help the team out. Mari’s always doing whatever she can to make sure everyone is in good shape for the day. Mari spends her free time going out to eat with her mom, sister, and boyfriend. She also loves playing with her two dogs. Interestingly enough, Mari was classically trained in opera and musical theater for 10 years. She loves music and taught herself how to play piano and guitar. She even writes her own music!
In order to run a successful business, you need to have impeccable customer service. That’s something we take to heart here at Vayman and Teitelbaum. We want our clients to be comfortable and to know that they are in excellent hands throughout their time working with us. Our staff is well-trained in customer service, and one team member who continually shines in this area is Mari, who first started working with us a year and a half ago. When Mari was growing up, there was plenty of talk about her joining the legal field. Her family thought she had a strong personality and her grandmother was a Supreme Court justice in Venezuela. It seemed like a perfect fit, but Mari wanted to explore other options. She worked in a salon for two years as an assistant manager where she gained great customer service experience.
We are so glad to have Mari on the team and can’t wait to see what the future holds for her once she graduates from college.
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WHAT’S YOUR FAVORITE THANKSGIVING DISH?
Stephanie Weil Sweet potato casserole with praline topping Julia Giangualano Corn casserole and honey-baked ham Loni Mile Green bean casserole Mari Sotillo Corn casserole and turkey with
Grace Bradford Stuffing all the way and any kind of casserole with cheese Ashlyn Layfield Stuffing Abby Fisher Pumpkin and pecan pies Jenny Ohsberg Pecan pie Julia Spitler Mac and cheese and anything cranberry Thamara Carvalho Mac and cheese
cranberry sauce Becky Davey Sweet potato casserole Kendall Stockton Turkey stuffing with gravy Maggie Szutz Oyster stuffing with gravy V egan B utternut S quash C hili
ingredients • 1 1/2 cups vegetable broth, plus 2 tbsp for sautéing • 5 cloves garlic, minced • 2 lbs butternut squash, peeled and diced • 2 chipotle peppers in adobo, chopped • 1 yellow bell pepper, diced • 15-oz can black beans, drained
BRAIN BREAK
• 15-oz can pinto beans, drained • 28-oz can diced tomatoes • 1 cup cooked quinoa • 1 1/2 tsp paprika • ½ tsp ground cinnamon • ¼ tsp table salt • ¼ tsp ground black pepper
Inspired by SavoryTooth.com
This butternut squash chili hits the spot on a cool fall evening — and best of all, it’s vegan!
directions 1. In a large pot, heat 2 tbsp vegetable broth over medium heat. 2. Add garlic, butternut squash, and chipotle peppers. Cook for 10 minutes, stirring occasionally. 3. Add bell pepper and cook for another 5 minutes. 4. Add black beans, pinto beans, diced tomatoes (with liquid from can), remainder of vegetable broth, quinoa, paprika, cinnamon, salt, and pepper, stirring to combine. 5. Bring mixture to a simmer and cook uncovered for 10 minutes or until butternut squash is tender, then serve!
A LITTLE HELP
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WHAT I’M THANKFUL FOR THIS YEAR
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ARE YOU READY TO DOWNSIZE?
LEARN MORE ABOUT MARI
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YOUR FAVORITE THANKSGIVING DISH?
VEGAN BUTTERNUT SQUASH CHILI
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3 FINANCIAL LESSONS LEARNED FROM THANKSGIVING DINNER
P reparing D inner I s a L ot L ike F inancial P lanning SAVE ROOM FOR GOOD FOOD AND FINANCES
Are you hosting Thanksgiving dinner this year? From planning grocery lists, cooking meals, and decorating, you may find some parallels to financial planning along the way. Consider the following financial lessons you may encounter this year while cooking Thanksgiving dinner! CREATE A BUDGET. Thanksgiving dinner is one of the most expensive meals of the year, so most people need to budget for ingredients before going to the grocery store. It’s essential to determine the number of people attending your dinner to get a better sense of how much you’ll need to spend. This task alone is a prime example of building a financial budget — by determining how much you will need to spend ahead of time, you can give yourself more time to save. DEVELOP A PLAN. Like any other social gathering or event, Thanksgiving dinner requires some planning. You will need to find the recipes ahead of time, check to see which ingredients you have or don’t have, and be sure to have enough space for all your guests.
Similar to finance, developing a plan allows you to put aside the money you need for your event while saving enough money for other expenses.
IMPROVISE WHEN NECESSARY. Life is unpredictable, and
things don’t always go according to plan. But sometimes, you just have to wing it and make the most out of the situation. Let’s say you forget an ingredient, but the stores are already closed. What should you do? You may consider using a different ingredient as a substitute or run next door to ask a neighbor if they have what you need.
Whatever the situation may be, learning to utilize your resources proves to be essential when things don’t always go your way.
There are several valuable takeaways from this holiday season, just like how the main course can change each year, your financial planning goals can always evolve too!
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