“Come unto me, all ye that labor …and I will give you rest…” Matthew 11:28-30
| Sunrise Credit Services Christmas Party 2015 |
| Sunrise Credit Services Father and Daughter President |
| Employee of the Month Sunrise Credit Services Christmas Party |
| Bob and Susan Christmas Party |
| Susan and Bob - The Wonder of You |
SUNRISE SERVICES CORP.
BOB'S COMPANY PICNIC
| SUNRISE SERVICES COMPANY PICNIC BOB'S COMPANY SUNRISE SERVICES |
| Employee of the Month Jan 2016 Sunrise Credit Services Christmas Party |
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| Robert Davniero Employee of the Month May 2012 Sunrise Services |
SUNRISE CREIT SERVICES
COMPANY PICNIC 2015
ADVISORS MORTGAGE GROUP
COMPANY PICNIC 2015
ADVISORS MORTGAGE GROUP
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| Susan at her desk at work ADVISORS MORTGAGE GROUP |
EVERYTHING YOU WANTED TO KNOW ABOUT
REVERSE MORTGAGE BUT WERE AFRAID TO ASK
REVERSE MORTGAGE BUT WERE AFRAID TO ASK
Suddenly it’s the time to consider a Reverse Mortgage. You’re ready to take advantage of an opportunity that comes once in a lifetime. At this second stage in life after you built up years of equity in your home. Now your home can pay you back with a Advisors Mortgage Group Reverse Mortgage to live the rich full life you deserve.
Would you like to invest in your home and pay off your mortgage, credit card debts, anything you want and still have money in the bank? It’s your choice of options – lump sum payment, line of credit, or combination. You decide. All the money generated is tax-free and you do not have to pay the money back in your life time!
Sounds too good to be true but it is. The more you know the more you will want to move on this offer. Reverse Mortgage is your financial planning tool for your retirement years. Trust us. You retain title to your home for your lifetime. You will never lose your home. The bank will not take your home. You can stay in your home for the rest of your life. Only once when your home passes to your heirs will the Reverse Mortgage comes due.
Don’t let this opportunity pass you by. There is a hopeful promise of another day in a new direction. This can be your future living the good life. Act now, if not now – when?
Don't despair Advisors Mortgage Group is there for free advise! http://www.advisorsmortgagegroup.com/ Advsiors Mortgage Group www.advisorsmortgagegroup 631-465-9191 Susan
(Published in NY Daily News)
Money Pros: Reverse mortgages can work for seniors who are cash poor and equity rich; consult an expert
A reverse mortgage is one of many vehicles available to seniors to supplement their income
By Bill Losey / NEW YORK DAILY NEWS
Published: Wednesday, January 18 2012, 6:00 AM
Updated: Wednesday, January 18 2012, 6:00 AM
If you are senior who needs cash, you might be able to tap the value in your home through a reverse mortgage, but proceed cautiously.
Q. What is your opinion on reverse mortgages for senior homeowners?
Susan Marie Davniero, Lindenhurst, N.Y.
A. A reverse mortgage enables you to withdraw some of the equity in your home. It is just one of many vehicles available to seniors to supplement their social security, meet unexpected medical expenses, make home improvements, and more, in retirement.
I believe reverse mortgages are an excellent option for seniors who are cash poor but equity rich. If you own your home outright, have a lot of equity built up, or have a very low mortgage balance, it may be right for you.
To be eligible for a reverse mortgage loan, you have to be a homeowner 62 years of age or older and be living in your home.
You must own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse mortgage.
Your home must be a single-family home or a two- to four- unit home with one unit occupied by you (the borrower).
HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible.
Because a reverse mortgage pays you, there are no monthly principal and interest payments. You are, however, required to continue to pay real estate taxes, utilities, and hazard and flood insurance premiums.
The more valuable your home is, the older you are, and the lower the interest rate, the more you can qualify for.
Like any investment vehicle/product, there are advantages and disadvantages. Before you move forward, I suggest you consult with your tax preparer/accountant and learn more by requesting free information from the National Council on Aging at 800-510-0301.
Bill Losey is a certified financial planner and author of “Retire in a Weekend! The Baby Boomer’s Guide to Making Work Optional.”
Do you have a question for the Money Pros? pfurman@nydailynews.com.
Suggestions | Professional Artist Carricature Drawn at Bob's Work Company Sunrise Services Company Picnic |
| Susan Work Birthday Balloons |
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Susan at work conference table
ADVISORS MORTGAGE GROUP
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| Grade A - Word Processing Class |
AVON CALLING
Susan as Avon Lady
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| Susan The Avon Lady Drawn by her sister, Teresa Published The Babylon Beacon |
Avon was my calling for my first job. Suddenly its summer vacation and I was an Avon Lady. It was the first summer school vacation I worked and it was hot walking door-to-door as an Avon Lady. My girlfriend, Margie and I were an Avon duet, two youthful teenagers beating a path to the customer’s door.
Our day started with the first call. Opportunity was knocking on each door. The Avon brand sometimes sold itself by its reputation, money back guarantee, or free samples. We didn’t want to lose a customer who never came back – as Yoggi Berra said; “If people don’t want to come to the ball park you can’t stop them.”
Knowing that people love to buy but hate to be sold - we didn’t just sell Avon ; we sold beauty delivered to their door. Friendly service with Avon lipstick smiles by the scent of Avon cologne. Apparently the first customers we won over were ourselves.
Sometimes we sold ourselves. My girlfriend Margie tested the new Avon line adorn with vivid color tones such as purple eye shadow, gold blush and tan lipstick giving her youthful beauty a dramatic look that only a youthful flawless face could get away with.
However, a youthful flawless beautiful honest face could sell it. One day a reluctant potential customer asked my girlfriend Margie “What are you wearing?” Margie listed off the Avon make-up adoring her face - the purple eye shadow, gold blush and tan lipstick. As the customer admired her look she was eager to buy all the products. A sale was made.
This customer wasn’t just buying the Avon products she was buying that she will look just as beautiful as the Avon Lady selling it. A sale was made with a lesson learned. The Avon lady knows apparently you can’t buy beauty; however, you can sell it. After all these years, Avon and I are still finding our calling.
First Job Written by - Susan Marie Davniero
Published Beacon News
Published Beacon News
SCULPTURE
OF WORK
Published Great South Bay Magazine
Published Great South Bay Magazine
Sculpture
of work creates
All
are architects of fate
Building
careers working away
Perhaps
driven by the payday
Yet
no one is useless or low
It’s
all in a day’s work show
When
duty calls our name
Employees
answer will remain
Cast
in the role doing our part
Working
in these walls of art
Business,
trade and industry stands
Giving
success to the work of hands
Susan
Marie Lindenhurst
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| Twin-Sister, Laura First Data work desk w/Flowers Secertary Day |
WORKING WOMEN
Some days busy working women need a hiatus from her daily life, the logistics struggles of a woman’s day, yet she is reluctant to ask for help, given she may be a perfectionist, workaholic or efficiency driven with the itch to ride solo. Some women who do it all do it their way only.
How is such a women rescued for a sanity check is a challenge. Asking for help can be life saving for many overworked, multitask challenged women. Results oriented women who excel leaves no room or tolerance for failure and wants to do it all alone her way.
Yet, she is over burden carrying the load. Women’s aim should be to give up control using everyone at their disposal, a husband, friend, colleague or sister, warns off a plummeting fall racing on the clock alone.
With a little help from your friends and family you might do it all in less time. The new normal, sharing the chores with others will not give up what you worked so hard to achieve – primarily just to get it all done.
Susan Marie Davniero
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| JUDGE JUDY WORKING WOMEN |
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| Susan visiting Laura at First Data office |
LABOR DAY
Labor Day celebrates the working class, honoring their commitment to the work and being serviceable to the economy. Yet, there is a need for employment for all.
When the economy denies employment for all, Labor Day takes on a new face – the face of the unemployed.
Alas, in hard times the economy does not afford everyone equal opportunity for employment. Today there is employment stagnation for a prolonged period with no safety net as the people fall from the payroll. Essentially, with livelihood we feel alive as employment measures life style by income. It is work that gets you where you want to go.
Sometimes a job is more than just a job, it can be one’s identity and in a small way one’s legacy. Do not rob someone of that privilege. If someone wants to work that person should. Wanting to work is reason enough.
This Labor Day we should all strive for an upward change for employment for all. Let’s all work on finding employment for all. We’re all in this together – let’s get the job done.
Susan Marie Davniero
“Come unto me, all ye that labor …and I will give you
rest…” Matthew 11:28-30
SUNRISE SERVICES CORP.
BOB'S COMPANY PICNIC
| Bob and Susan Sunrise Services Picnic Bob's great company! |
| Laura, Dennis as quests w/Susan and Bob |
| Susan and Laura Karokee Singing We are Family |
| Therese Bob and Susan |
THE WORKING CLASS HERO
Published NY Times Newspaper
Published NY Times Newspaper
A new hero rose from the mines - the working class hero. On this day we gave witness to the acts of courage of the rescuers and the endurance of the miners as they groped for a meaning to their vocation of hazardous grueling labor.
The days of entrapment in the mine were grim yet the rescue has brought the miner’s well deserved notoriety. In the darkness of the caves the miner’s daily danger is exposed in the light of this incident. Apparently the miners just needed to allow the time to pass for a rescue. Finally after two long months the elements cooperated for a rescue.
The last man rescued is a role each miner defined for himself yet the honor was reserved for the shift leader, Luis Urzua compared to the captain of a sinking boat duty bound to be the last man standing.
Perhaps the spotlight of fame has filled the vacuum created by the months lost. The hardened faces of the miners are telling of time spent trapped; however, a brave smile now shines broadly ready to meet the media.
With the promise of lucrative interviews and earnings to be made from their entrapment cave in – sometimes a miner’s trade is a mine of gold.
Bravo to the working class hero!
Susan Marie Davniero
Susan Marie Davniero
LABOR DAY
WORKING CLASS BLUES
On Labor Day we pay homage to the Labor force, the workers of America America
How do you begin to praise and record the endurance and self-sacrifice of the dutiful working class and blue collar employed, which have transcended centuries and generations to build the prosperity of our modern day society. There is a need to essay a kind of familiar that may exist. The implication is of a proclivity of an avaricious culture sets a pattern to hail the wealthy and leave the working class behind. To such means the working class hard work contribution goes unrewarded.
Society should be more thankful to workers – a little of that goes a long way. A worker’s pride can carry them thru a long work day. Do not allow the workers to turn away, gathering all their injured dignity. Experience flows from the fountain of years to empower one to stay active and productive. There is still learning and work left to do. One can move on to a new challenge and job at any age. There is no sign that workers cannot adapt or be trained to keep up with workplace demands.
America needs the working class everyday heroes to continue to work as one to foster a sense of belonging to real class – people who bake, produce, buy, and sell the bread we eat. Essentially people with real class work for it. The working class cannot be outclassed. Sometimes a job is more than just a job, it can be one’s identity and in a small way one’s legacy.
Workers choose to evolve to stay active, to be employed and to make a difference. However, wages have not kept up with inflation. Workers are being pushed to work harder, faster and longer. Yet, in spite of recession, the celebrities and CEO’s still earn exorbitant income earnings; however, alas all workers have to pay for it.
Susan Marie Davniero
LABOR DAY
Published Great South Bay Magazine
Published Great South Bay Magazine
We see dimly what is great
Of the worker’s labor of fate
Rise by means to stand
To the work day’s demands
By the work force hands
Our society now stands
Toil and labor conquer
Onward to the future
Hail workers all the way
On this worker’s Labor Day
Susan Marie Davniero
| Susan and Bob Sunrise Services Christmas Party |
Letters to the Editor
Labor Day blues is all in a day’s work. We work all day long working
alone. Let’s work together – for together we stand, divided we fall, this is
America after all.
We shall come together to keep on working until the work is done. There’s
enough work for everyone.
We can make it work all the way and celebrate together this
Labor Day
Susan and Robert Davniero
BLUE COLLAR BLUES
The working blue collar
Everyday hero’s dollar
Carry them thru all day
Gathering wages to pay
For their daily bread
When will they get ahead?
Toil and labor sour
Working by the hour
Pile of work climb
On the edge of time
Worker’s spirit hock
Punching a time clock
Dollar value to be won
Work still to be done
Susan Marie Davniero
| Bob's Company Sunrise Credit Services Picnic |
| Bob's Company Picnic Dennis, Laura, Bob and Susan Sept 8 2013 |
| Bobs boss Vic and Bob Company Picnic |
BOB'S EMPLOYEE OF THE MONTH
| Bob Employee of the Month Sunrise Services Company Christmas Party 2015 |
| Sunrise Credit Services Father and Daughter President |
| Bob and Susan Christmas Party |
| Susan and Bob The Wonder of You |
| Employees of Every Month |
WORKING AT ANY AGE
There is work to be done at any age. Age is assessed not by what is but what it is not – and need not be unproductive or inefficient given the workers are young. All the generations are found in the modern workplace. There is no generation gap in the workplace.
At any age there is lot of learning and work to do. One can move on to a new challenge and job at any age. There is no sign that younger workers cannot be trained or adaptable to keep up with the workplace demands. We must overcome the stigma associate with any age to get the job done. Yet, it remains workers do encounter age career barriers to separate workers which merely cuts into the bottom dollar of profit.
The two faces of age, young and old, can work together helping each other to get the job done and aiming for a successful future. There is enough work for all. We all should share the work and the wealth. The work environment is much like a family after all. We’re all in this together.
Sometimes a job is more that just a job, it can be one’s identity and in a small way one’s legacy in time. Do not rob someone of that privilege regardless of any age. If someone wants to work I say give that person the job, irrespective of age. Wanting to work is reason enough.
For the millennial, the youngest offspring of the Baby Boomers the future is theirs.
The world must be ready or not. Beyond youth, one can choose to evolve to be involved, employed and make a difference and perhaps to leave the world a better place than how they found it.
Susan Marie Davniero
WHEN WORK DOESN’T WORK
Published Write On Poetry
Published Write On Poetry
The working world
Is a social whirl
Some play the stocks
Others punch time clocks
No American dream
So it seems
For the bottom rank
The dream sank
The hardships
Living on tips
Swing shifts
Work myths
Laborers drudge
A daily trudge
There’s no solidarity
At the edge of poverty
Can’t get ahead
Kids barely fed
Pay union dues
Blue collar blues
Minimum pay scales
The system fails
Low wages assault
As if it’s the worker’s fault
The hardworking poor
Oughta be paid more
For only poverty lurks
When work doesn’t work
Susan Marie Davniero
Dear Susan Marie,
Thank you for submitting your poems and giving us the opportunity to read them. The editors at A Long Story Short would like to congratulate you on the acceptance of the following poem:. "Labor" (September 2013)
Thank you for submitting your poems and giving us the opportunity to read them. The editors at A Long Story Short would like to congratulate you on the acceptance of the following poem:. "Labor" (September 2013)
LABOR DAY
ALL IN A DAY'S WORKLabor dimly world is lit
To the worker's benefit
Rise by means they stand
Meet work day's demands
Gathering wages pay
Carry them thru all day
Pile of work climb
On the edge of time
By the work force hands
United they stand
To the worker's benefit
Rise by means they stand
Meet work day's demands
Gathering wages pay
Carry them thru all day
Pile of work climb
On the edge of time
By the work force hands
United they stand
Susan Marie Davniero
lsspoetry@gmail.com
lsspoetry@gmail.com
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| Susan at work |
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| Twins work at the same company Susan's twin sister, Laura, at work |
THE LORD IS MY BOSS
The Lord is my real boss, and I shall not want.
He gives me peace, when chaos is all around me.
He gently reminds me to pray and work without complaining.
He reminds me that He is my source and not my job.
He restores my sanity everyday and guides my decisions.
I might honor Him in all that I do.
Even though I face absurd amounts of emails, deadlines, budget cutbacks, gossiping co-workers and discriminating supervisors
His presence, His peace and His power will see me through.
He raises me up even when they fail to promote me.
He claims me as His own, even when the company threatens to let me go.
His Faithfulness and love is better than any bonus check.
His retirement plan beats any 401K there is!
When it’s all said and done,
I’ll be working for Him a whole lot longer and for that,
Blessed is the Lord who is my boss
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