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Mick Marsden

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How a stray cat upstaged my church pastor!

by Gigi Giordano

St. Mary’church in Clinton has been like the hub on a wheel in my life with many spokes radiating from it’s center: Mom and Dad were married at St. Mary's and buried in the cemetery. So it’s no surprise that my brother and I were baptized there, took catechism our first communion there and became confirmed. 

 

Who knew we’d all be upstaged by a stray cat?! One of our wonderful priests, Father Michael Sequeira, and the now famous stray black cat that would later be known as Roman CatHolic has been memorialized in a book titled: “Stories of an Outstanding Cat”  

 

Since the cat emerged onsite back in 1997 Fr. Mike had no idea of the positive impact it would have on his life. Roman the cat passed away in 2015.  I think you’ll this self-published book I think you’ll find uplifting and insightful. While every one had thought he had rescued him it had turned out that the cat rescued Fr. Mike. 

 

Visit: https://anoutstandingcat.com to read more about this wonderful story and to buy the book. Here’s 

 

THE STORY BEHIND THE STORIES

 

 

If you have a furry friend, feline or otherwise, you talk to it, right? Probably even have conversations with it. (We all do.)

 

And so it was when the pastor of a church in Clinton, Connecticut encountered a lost cat several days in a row on the grounds of the rectory he called home. A pact he made with the cat for a one-night living arrangement came undone when the rescued cat did not live up to his campaign promise to be gone after one night.

 

It soon became clear to everyone who knew them, that it was this cat he had named Roman Catholic who rescued Father Michael and not the other way around. And what followed was fifteen years of their sometimes conflicting needs coalescing into a relationship of devotion to one another and to the parishioners to whom they ministered.

 

The life, adventures, musings, and lessons learned from the beloved, sassy cat became stories that Father Michael would tell to his congregants. In retirement from his busy ministry, he has written them down in a treasure of delightful vignettes. And like Levy’s secular rye bread, you don’t have to be Catholic to enjoy them!

 

Here’s a couple of sample pages and excerpts for you to get a sense of what he put together. It’s beautifully illustrated.

 

 

 

 

Making Pizza Napoletana in your home oven!

by Mick Marsden

 

There's such gratification to sit down to a meal you make from just ingredient and not from a box. The taste, quality and nutrition best any restaurant (unless they're cooking from scratch too) so you save a bunch of money and you may even lose a few pounds. That said...my sister wanted me to make my home made pizza for her and to watch a movie.  She loves it because it rivals the best you'd get in New Haven! Being a lover of Sally's and Pepe's pizza since my teens I HAD to learn to make pizza napoletana. This was to be one of the last oven cooked pizza's we will do until Fall. If we do pizza in summer we cook in on the grill which is a different approach.


No...I don't own a pizza oven. The pizza pictured was made on a pizza steel followed by a brief stint under the broiler to create the caramelization that occurs in the 600+ degree coal and wood fired ovens used commercially. 

So let's being with making the dough. It's simple but you must think ahead for the best tasting crust. I proof my dough in a refrigerator for a minimum of 24 hours to as many as 3-4 days ahead. If you wait 3 days the flavor is off the hook! Here's the recipe. Hey...if you've never baked in your life or never once made dough...don't be intimidated. I can't believe how easy it is and not sure why I didn't convert to a "scratch cooking" house way sooner. For this pizza dough you need just the 4 basic ingredients for any rustic good bread: Water, Flour, Yeast and Salt. 

Before I lay it out...it's great to buy a cheap $30-40 food scale with baker's percentage feature. It will allow you to scale up or down any recipe you're making quite easily. It's one way to garner predictable results each time you step to the bake as well as a time saver. 

Napoletana Pizza Dough
(The following portions will make 4 pies)
.5 liter water (500grams...isn't metric wonderful?)
1.9g Instant Dry Yeast (Pay Attention here...this is the Rapid Rise variety)
27.5g salt
850g flour
10g olio

Bakers Percentages for Scale Users

60% hydration 
3.2% Salt
1% Oil 
.5 % IDY 

Process

Weigh our your 500g of flour and add the yeast. Distribute yeast by mixing dry with whisk. 

In a large bowl add .5 liters luke warm water then add the salt and dissolve by agitating with your fingers. Once dissolved at the 10g of olio and agitate that into the water. 

Now add half of the flour mixture and mix with your fingers until fairly smooth. Once there add the balance and mix into the bowl until it's pretty much a ball of sticky dough. Turn the dough out onto a floured surface with will floured hands. Knead this dough for 10-15 minutes until its a soft, pliable dough. Wet a cotton tea towel and cover it and let it rise for at hour or so. 

Remove the towel and slide your dough scraper under the edges to free the dough from the work surface  and cut the dough ball in half. (By the way if you want a video on how to do these steps go to https://www.youtube.com/user/maestrovitoiacopelli; While I have been an accomplished home chef for years I just started baking and doing all from scratch for about a year and I learned how to bake by watching masters on youtube. The recipe above is a derivation of Vito's recipe which I've made. Fresh yeast is not so easy to come by and has a short shelf life so I created the equivalent for Instant Dry Yeast you can by by the jar and save a bundle.)

Using this recipe you can simply divide the dough into 4 equal pieces. (a 14" pizza the dough ball should be about 300g) If you scale it up or do Vito's full recipe then you'd approach it by eyeballing a just under the size of a baseball. Use the scale and you'll develop judgement. 

Put the balls in a proofing box if you own one or on a floured full size cookie spaced apart so they can rise as separate units.  Once on the cookie sheet flour the balls with a little flour and cover airtight with plastic wrap (not doing so will result in a ball with a dry outer crust...not good!) 

Put the tray in the refrigerator. Go have fun doing something else until tomorrow or a couple days later when it's time to stretch them and bake them up. 

Once proofed remove the dough from the refrigerator and let it come to room temp. Once at room temp sprinkle flour on and around the ball your going to take. Get the dough scraper (you can use a paint scaper if you don't have a dough scraper) under the ball pushing the flour with it. Get it up and out on to your work surface. 

Stretch the pie NOT by trying to toss over your head in the air. Not that kind of dough. Instead simply press from the middle out gently on a well floured surface in a circular motion (Vito's video is tops showing you how!).

Once you formed your 12 to 14 inch pie move it to your  pizza peel that you sprinkle some semolina or flour so it will slide off when ready.  

Ladle on some milled or crushed San Marzano (Quality important!!) tomatoes, sprinkle some olio, and your other toppings. The photo shows a pie made with Parmigiano-Reggiano, Luizzi's of New Haven Mozzarella, and Vermont Smoked and Cured pepperoni I hand-cut thick. 


How to Cook to Your Pie at Home Without a Pizza Oven

Move your oven rack to the top near your broiler and giving enough room for the pie to slide in and under it. 

Put your pizza steel (best) or stone (2nd best) and turn oven to highest setting. 500° or higher if it lets you. Allow the pizza steel to heat in the oven for at least 20 minutes. I sometimes turn on the broiler to kick that plate temp up as high as I can get it before sliding the pie from my pizza peel. 

When the time is right, make sure your pizza hasn't begun to stick to the peel, open the oven door and put the pizza peel all the way in over the steel and gently shake it to move towards the end and onto the steel. When a little bit of the dough hits the steel pull the peel back quickly...like pulling a table cloth out from under place settings. 

Bake for about 5 minutes on the steel. The springy outer crust will have puffed and risen and it will start to brown up. Next turn on the broiler and keep it there until it looks like it came out of Sally's coal fired oven in New Haven. 

Once you master this...you'll never have to go out to New Haven or a Pepe's location to get a napoletano pizza...because you will have become a maestro!

____________________

My next blog will be on how to make THE BEST hamburger and hot dog rolls. In fact, this dough is so versatile it will be your go to recipe for lots more. Until then...

 

Once you eat a slice of your own warm bread from the oven you can't go back. By the time a loaf of bread hits your shopping basket it was baked long ago. It may be "fresh" but it's not the same. It's also not as healthy, costs more, and has ingredients ("to preserve freshness") in it I'd never put in my bread dough. 

While my favorite "Rustic Bread" recipe is a mere 5 minutes to make (See previous blog titled "Your mother cooked from scratch, now it's your turn") and great to have with say Ravioli di Ovo but not quite the right fit for your lunch sandwich or for traditional bacon and eggs in the AM.



Ravioli Di Ovo: I will do a blog with my recipe on how to make these. It's a cheese ravioli
with an egg yolk on top of the ricotta cheese filling . I serve it with a sage butter sauce with crisp pancetta.
The oozing yolk mixing with the Italian bacon and sage butter is heavenly!

 


Mmmm....a nice start to the day!

Amish White Bread

My favorite go to recipe is an Amish recipe that I tweaked to my liking and increased in volume create two perfect loafs. One I sometime roll up with cinnamon for a wonderful cinnamon swirl loaf or I simple freeze a loaf for future use. Any of the bread you bake can be frozen after it's cool. Once thawed it will be as fresh as it came out of the oven. Here's my recipe both in baker's percentages and measured volume:

Prep time: 20 minutes with 2 hours of rising time
Cook time: 25 mins
Total time: 2 hours 25 mins

Serves: 2 loaves

Ingredients
* 2 Cups warm water about 110-120 degrees (472g)
* ⅔ Cups white sugar (134g)
* 1½ Tablespoons yeast (2 packages) ADY Active Dry Yeast
* 1½ Teaspoons salt (9g)
* ¼ cup vegetable oil (218g)
* 6 cups flour( 762g / 381g)

Bakers Ratios:
Hydration: 61%
Sugar: 17.5%
ADY: 1.5%  |  IDY 1%
Salt: 1.2%
Safflower Oil or melted butter: 10% 

 

Instructions
1. Place sugar and 40°c water in warmed mixing bowl 
2. Sprinkle with yeast and let dissolve 5-15 minutes 
3. Add salt, oil and half the flour mix together
4. Add remaining flour and mix till its pulling away from the sides.
5. Pull out onto lightly floured surface and knead shortly
6. Place in greased bowl flipping to cover both sides.
7. Top with saran wrap or damp warm towel
8. Set aside in draft free area and let rise till doubles in size. About 1 hour
9. Remove cover and punch down.
10. Lay out on lightly floured surface and cut in half and form into two equal loaves.
11. Flatten one out into rectangle and "jelly" roll into a loaf with cinnamon sugar if you want to make one white and one cinnamon sugar loaf)
12. Place in greased 9x5 bread pans.
13. Repeat with other half
14. Cover and let rise till double in size about 30-50 minutes.
15. Pre-heat oven to 350 degrees or 325° convection.
16. Once double in size bake for 25-30 minutes.
17. Pull out and brush top with butter if you like. 
18. Let rest 10 minutes before removing to cooling rack.

 

Your mother cooked from scratch...now it's your turn!

by Mick Marsden

If you're a baby boomer your mother no doubt cooked from scratch or close to it. Think back and remember how your steak and chicken tasted. Think about its texture, its flavor. Miss it? If you're not a baby boomer you've no doubt been out to dinner at a great restaurant and remember the meal as being sensational. The crusty and airy bread. The pasta texture and flavor you’ve never had at home. A unique dish like balsamic amereno cherries with pork belly or a steak au poivre that was simply killer delicious.  It most likely it was something that restaurant cooked these dishes not only from scratch but with locally sourced, organic ingredients.

 

Grass Fed Strip Steak Au Poivre—Wonderful!

 

In my previous blog “How I lost 40 pounds eating ice cream once a week” I discussed my transition from living the life advertising and big agriculture would have me do transitioning to cooking everything from scratch. And I mean everything. In our home we make every strand of pasta, every hamburger roll, pita bread, English Muffin, every slice of bread. Our sauces are made from local produce and things we grew or from local farms from my wife’s food service CT Farm Fresh Express. We know where are food and ingredients come from. I do not trust any corporation or our government to do us right here. Too many sleazy politician keep their agricultural states financially healthy while pretending to care about our health. So make everything yourself and stop eating out of a package, box and microwave oven. Stop the drive-through fast food game and soda. Stop buying food made by a company who put it in a box or package for you to consume because it’s easy. It’s killing you! 

 

When I suggest someone do the same and transition to scratch cooking the push back I get immediately is ”I don't have the time" (Which is exactly how big agriculture and the advertising campaigns have got you eating out of a box or package) Another one is I don’t know how to cook or. bake. I’ve got an answer for that as you’ll soon read. 

 

Want the best reason to keep an open mind and consider what I’m saying? Just look at the obesity epidemic in our country! You don’t have to go far or on Google. Just go to the mall and look what waddles around the mall! More than 50% are super overweight and they’re ok with it. They want to stuff those Cinnabons and empty carbs and sugar from the food court and embrace their curves and such. Hey…let me not judge an overweight person. I was on seriously overweight dude…I just shed the reasons for carrying the weight and decided I wanted my cardiovascular system to work less hard, to stay out of the OR for back surgeries and knee replacements because I was carrying around 40 pounds of Crisco around my belly, legs, and ass. Shit…I was on my way to being a weeble like the folks at the mall I just mentioned…those children of the corn syrup. These are very people who eat franchised food, processed foods, sugary drinks, and all of the things you're not supposed to but do anyway because they “don't have the time.” Since I lost my weight my blood pressure returned to normal and I then stopped taking the prescription medications that used to keep it low when I was a dough boy. 

 

What if I told you it takes me literally 30 minutes a week to prepare my family bread needs? Because it does! It just takes a little planning. And boy, will your grocery list change for the better! You will spend less, eat what seems like 5-Star restaurant meals every night! You’ll lose weight and keep the weight you've lost off…all while improving your health outlook without doubt.

 

Have you ever dined at La Marea in old Saybrook? Or Rustica in Chester, CT? These are two restaurants that make many of their meals, if not all of them, from scratch. They make their pastas and ravioli from semolina, flour, water, eggs, salt, and oil…just like I do at home.  It has 5-Star reviews as a result! It keeps people coming back because they want that incredible tender delicious meal intense flavor and wonderful texture and aroma!  The tender pastas you can’t get out of a box. The  sweet marina sauces cannot be had out of a jar nor the savory steaks that are grass fed and sides that aren't out of the can or freezer.

 

 

When I think about it, the restaurants I frequent are those that cook from scratch! Especially since I have committed to becoming a scratch cook myself I seek only those restaurants that do prepare there foods from scratch with the best local ingredients possible. It's more expensive at these restaurants because eating at  their competitors you get dishes that are composed from ingredients procured from Cisco, US foods or Restaurant Depot in Hartford. These folks are simply or heat and serve cooks. In fact it's hard to even say the word chef or cook in that sentence.

 

In future blogs on food I will share a recipes and the technique along with a photo of the dish for you to consider cooking yourself. I’ll also include a photo of the finished dish what will taste as good at it looks it you take me up on this. 

 

Family Ties

One of the most important reasons to cook from scratch and to make a family meal each day is to Bring your family together and get closer. Now that’s an ancillary benefit beyond better health, taste and enjoyment then I can think of. 

 

Mick’s Rustic Bread Recipe

 

 

Allow me to share my favorite rustic bread recipe which takes literally five minutes to make, no special tools boring gradients to have on hand! This is what it will look like and it tastes as good as it looks!

 

If you've never baked or cut from scratch don't use that as an excuse either. While I have been quite an accomplished chef for years, I virtually didn't know baking it all when I decided to go scratch completely I had to learn everything and it was easy with YouTube. Finding a variety of recipes to follow and to tweak to your liking is also easy. Until six months ago hi big nothing at all like I do today. I learned how to do this following the people I chose to watch on YouTube!

 

Ingredients: 

Flour (Suggest Caputo 00 Chef’s flour)

Water

Salt

Instant Dry Yeast (IDY)

 

Start with whatever flour amount you wish. For a nice boule cooked in a 3.5 qt. Dutch Oven I use 450-500 grams of Caputo 00 Chefs Flour (I should mention that if anyone reading this it Is gluten intolerant and not silly at that you'll love to know that using this flower we'll have you eating delicious bread with gluten without the side effects you had while eating the hybridized American flower found in today's all-purpose flowers you find at the grocery store. I’ll be writing a blog on this topic alone as it’s a big discovery. 

 

78% h2o (I use 40° centigrade water in a warmed stainless steel bowl.)

2% NaCL

1% IDY

 

By using the percentages above whether you're starting with 500 g of flour for 1500 g of flour your results will not vary. So if you need to make 10 loaves, no problem!  Start with 5000 grams of flour and add the other ingredients by percentage weights.  The advantage of working with weight instead of volume for your measurements mean that you're results won’t vary! You can count on a great loaf of bread each and every time!

 

If you are familiar with baking you are also familiar with a bakers scale. If not, you can buy one for about $50 and owning one will make it both easy and efficient to bang out your recipes with great aplomb! 

 

If you don’t have a scale then measure the following: 

4c Caputo 00 flour 

1.75c Water water

1tsp Kosher Salt

1.5tsp IDY

 

Process:

1. Place the empty bowl you’re using on top of the scale and press the ‘tare’ button zero it out. Taring the bowl allows you to weight only what two put in the bowl. Once done add the flour…so for a single loaf let’s do 450 grams. 

 

2. Press the “%” button on the  the scale to let it know you’re looking for baker’s percentages for that amount of flour. 

 

3. Press the ’Tare’ button again to reset to zero. Add the salt slowly until you see 2% show up in the display.

 

4. Tare the bowl then add Instant Dry Yeast  (IDY) until you see a reading of 1%. (It is extremely important that you understand the difference between instant dry yeast and active dry yeast. While you can use either you must adjust for the difference. So it's best to use what's called for in the recipe unless you have the experience to convert.)

 

5. Whisk the dry ingredients together.

 

6. Tare bowl again and add 78% water.

 

7. Mix all ingredients together with silicone spatula and expect a very sticky dough. No kneading necessary.

 

8. Cover it with two pieces of plastic wrap making sure there is no air gaps as it will dry out the surface of your dough while it is proofing. Once you put the wrap on put it in your refrigerator for 24 hours or up to a week.

 

9. When you're ready to bake it take it out of the refrigerator and place it on top of the oven. Put your Dutch oven, preferably cast iron, with its lid on in your oven a rack so it’s in the middle of the oven and crank your dial to 450° convection if you have it. 475° if yo don’t. Once the oven comes to temperature continue to heat the Dutch oven empty inside for another 10 to 20 minutes.

 

10. When the oven has come to temperature flower your hands well and a clean surface to work on. Scoop the dough out with your dose scraper, spatula, or hands, onto the floured work surface. Again with flowered hands gently shape the ball of dough into a ball. Once the dutch oven has heated it’s 10-20 minutes open the oven and slide out the rack. Take the lid off and set aside. As quickly as you can so as not to lose heat in your oven, scoop the dough up and drop it into the pot. (You’ll get great at this!) 

 

11. Cook the low for the next 30 minutes with the lid on. Take the lid off and cook for another 15 to 20 minutes until it reaches a Nice golden brown. It makes a better cross if you have a spray bottle with water in it and spray loaf a couple of times in the first five minutes with the lid off which helps improve the crust

 

12. The loaf will fall out of the pan when you take it out of the oven. Place it on a cooling rack until it temperature which you can handle and cut it. It will have that crusty wonderful outside you have found at finer Italian restaurants to do their own bacon and with A soft and tender interior Full of those wonderful holes and gaps to grab your butter and sauce.

 

So there you have it! Five minutes to mix the dough and no meeting. Simply wait four for day for a week and thrown in the oven for 40 minutes and you have a loaf of bread that cost you next to nothing to make, will be as delicious as the best restaurant you remember having good bread that, you better for you, and you have the satisfaction of knowing you're able to produce something so wonderful run for simple ingredients you have in your home

 

Don't hesitate to make comments, write be questions, or keep the conversation going

 

Italian Ciabatta Loaf made with "Biga" or starter. 

 

How I lost 40 Pound Eating Ice Cream Once a Week

by Mick Marsden

 

I thought the title may get your attention. I’ll explain how the ice cream made it’s way into this article as it played a pivotal part for real! 

 

This is the first in a series of blogs on eating right, losing weight in a healthy way and keeping it off, and the like. So back to the title. I admittedly love to eat. And after marrying the love of my life and feeling content, both she and I added a whole bunch of weight enjoying each other’s company along with too much food! 

 

Are you one who has battled some weight issues through your life? It really didn’t matter how many times Suzanna, my family doctor, begged me to lose weight each year and the health benefits. I’m sure you’re much the same. But for me after a spine surgery followed by injuring the same, and bi-lateral partial knee replacements, I decided the weight was costing me way too much in pain, a loss of function and lifestyle, and of course why wait for a heart attack to get motivated. 

 

During my recovery from my knee surgery I decided to get serious. When I started rehab at Gladeview, which was the catapult to my success and recovery, my calorie intake of course was much different than before surgery when I tended to overeat. My diet was controlled there. This helped me take the first steps to get to a goal weight where my therapist there and Doctors have always wanted it to be...

 

When I came home I lost 5 of the 226 pounds on my 5’ 10” frame. My waist was able to withstand the pressure from a 38 in waist band but I had a huge basketball that hung over. Strain on the back and of course was not helping the new knees get to where I needed  them. 

 

Each week we bring our grand children to the Moodus ice cream parlor each week. I wasn’t sitting idly by so I was a willing participant in consumption…but this time around I wasn’t grabbing the large hot fudge Sunday but a small cone. The place we visit has a TV on the wall and we would sit and watch Guy Guittieri’s Diners, Drive-ins, and Dives which is a show that highlights exception places that make food from scratch. What I was seeing was what I grew up eating. Good food, sourced locally, but everything made from scratch. That was it! I proclaimed us a Scratch House going forward. 

 

You should know at this juncture that my wife founded and runs a 10 year old farm to home delivery service and for years we’ve only eaten food that was locally sourced. We did by lots of things still from grocery stores like bottled sauces, breads, rolls, pasta, pancake mixes, and the like. But no more! I now bake every loaf of bread, rolls, pasta, and even pancake mix. What I found was its was no more time consuming than what I was doing before. 

 

Over the next few months I used a fabulous app on my iPhone called Lose-It! I configured the app with my stats and it suggested an amount of calories to help me maintain my portion intake. I made and ate only scratch made local food, choices more high in proteins, and watched my weight drop comfortably and steadily forcing me to buy all new clothes! I reached 186 and have maintained it between 185 and 189 for now 16 months. I’m delighted. I eat great food in satisfying portions and don’t avoid fat, sugar, and food types that have been trendy. Just common sense eating. Mindful eating. Paying attention to everything I put in my mouth. 

 

There is virtually no fast food in my life…like a stop at 5 Guys…but that’s great fresh ground beef and real potatoes. I won’t do your McDonalds etc. thing…that’s not helpful. 

 

 

If I motivated you to even consider it…I’m delighted. I will write more blogs sharing how I can make the best rustic artisan bread in literally 5 minutes with no kneading that is both healthy and cost effective. Easy white loaf bread…this recipe just a 20 minute effort to gain 2 wonderful loafs of white bread from your sandwiches and toast, pasta and more. 

 

Thanks for reading. Have a happy, healthy day!

 

Lose It! – Weight Loss Program and Calorie Counter on the App Store

Two Largest MLSs in Connecticut Approve Merger

by Mick Marsden
Two Largest MLSs in Connecticut Approve Merger  
 
Will merge to form one MLS that will be called SmartMLS.
 
WALLINGFORD, CT March 14, 2017 - The Connecticut Multiple Listing Service, Inc. (CTMLS), and the Greater Fairfield County CMLS (GFC CMLS) together representing over 17,000 real estate professionals in Connecticut, will merge to form one MLS that will be called SmartMLS.

The merger announcement follows the successful, unanimous votes of Directors and Brokers in both multiple listing services (MLSs) as well as the Board of Directors of Connecticut REALTORS®.  “I could not be more proud of the Realtor® spirit of this merger whereby the combined leadership of the CTMLS and GFC CMLS Board of Directors made a conscious decision to stay focused on the best outcome for our Realtor® members and the clients they serve,” said newly named SmartMLS President Michael Barbaro, he continued “as a result we were able to make it to today’s announcement in record time of four months.” 

The combining of the backend MLS databases is already in progress and full live operations will begin summer of 2017. Agents that previously belonged to both MLSs will instantly realize $522,000 in savings once SmartMLS begins operations. 

The driving force behind the merger is the recognition that overlapping MLS systems require agents to belong to multiple MLSs and perform duplicate listing entry.  Consumer expectation is that their agent and broker be able to access a complete inventory of properties for sale to produce the best possible pricing strategies for sellers, and the most comprehensive, timely, and accurate properties for homebuyers. 
 
About CTMLS and GFC CMLS
 

With a combined membership of over 17,000 real estate professionals, the newly merged MLS facilitates over 30,000 real estate transactions annually worth more than $13 billion.  Both CTMLS and GFC CMLS have a shared commitment to continue to provide services to subscribers in the state of Connecticut and out of area on an MLS platform that will include the offer of cooperation and compensation.  The newly formed MLS will be among the nation’s 20 largest in terms of membership.

Sent to us from our favorite mortgage guy Carl Bulgini of FENWICK Mortgage
 
On October 3rd, 2015 we experienced a big change in home loan financing, and now the government agency that started the process back in 2010 may reconsider the new regulation.  The Consumer Financial Protection Bureau (CFPB) has quietly informed the financial services industry that it has acknowledged complaints and concerns relating to the TILA-RESPA Integrated Disclosure (TRID) rule, also referred to as the "Know Before You Owe" rule, and plans to seek their input on making updates to this federal policy.
 
CFPB Director Richard Cordray admitted that this rule "poses many operational challenges" and insisted that the agency was cognizant of how lenders, mortgage professionals and other housing-related businesses were being impacted by the rule.  The National Association of Mortgage Professionals, The American Bankers Association, The Mortgage Bankers Association and The American Land Title Association all welcome the comments by CFPB Director Richard Cordray.

Cordray also stated that the CFPB would arrange either one or two meetings in late May or early June to further discuss updating the rule. However, he offered no specifics on locations or what would be open for discussion.

We will keep you posted on the changes as they become available.

Here are current rates on 2 popular loan programs.  Please call for other options.
 
 
5/1 ARM
 Jumbo
30 year fixed
Jumbo
Loan Amount $417,001 to $2,000,000 $417,001 to 2,000,000
Rate
2.625% *
3.625%*
APR
3.143%  1
3.651%  2

 

1 - Assumes loan amount of $1,000,000 and 80% LTV.  Monthly P&I payment of $4,016.51.  The interest is fixed for the first 5 years.  The interest rate and payment amount thereafter is subject to increase or decrease annually.  Interest rate based on one-yr LIBOR as published in the Wall Street Journal. 
2 - Assumes loan amount of $1,000,000 and 80% LTV.  Monthly P&I payment of $4,560.51.
* Rates include special limited time "auto deduct" rate deduction. Rates effective May 3, 2016, subject to change without notice.
 
Jumbo 30 Year Fixed Rate Purchase Special
Take an additional .125% off the Mortgage Rate
Limited time offer only available for purchases and with 30 year fixed JUMBO product

 

I’m a REALTOR of many years. I also am a professional photographer. To do both jobs I need good knees and strong legs. I injured my right knee 16 years ago right before my trip to Peru to hike for 2 weeks and get married at Machu Pichu.  That certainly hindered having a good time hiking with pain at high altitudes as every step was so uncomfortable. 

 

Once back from that trip I began treatment. Long story short, I had 3 arthroscopic knee surgeries over the years and many types of injections over the years to help me maintain the active lifestyle my wife and I love to live and my jobs demanded. Now in my 60’s and having used my left knee to take the load of the right all these years I sat looking at x-rays of bone on bone in both legs. Just plain walking was agony with every step. I was no longer able to walk land with buyers or make up and down stairs. I needed a more aggressive treatment and fast. 

 

Dr. Robert Belniak

 

One of the upsides of being real estate agent is you meet a bunch of people from all walks of life. I met a client and now friend Ray Guasp through one my online marketing campaigns. Ray owns a company that sells surgical prosthetics for knees, shoulders, hips and the like. He could see I limped from time to time and told me if I ever needed replacement surgery that Dr. Robert Belniak was the choice he’d make if it were him undergoing the surgery. After several appointments with Bob over the next few years and getting occasional treatments by injection I finally could take no more and decided to get the surgery that will change my life. No more killing my internal organs from constant intake of anti-inflammatory drugs and pain pills!

 

After many discussions and much contemplation I chose to do bilateral partial knee replacement surgery using MAKOplasty, a surgical procedure for partial knee or total hip arthroplasty using a RIO Robotic Arm. This Interactive Orthopedic System was developed by MAKO Surgical Corp. According to the latest wikipedia article, RIO is cleared by the FDA for use in surgical knee and hip procedures. What’s cool is that they take a CT scan of the bones they’re to fit the prosthetic to based on reference points made elsewhere on the femur and tibia. The surgeon can create a perfect negative space to receive the prosthetic being installed. The result is less pain and recovery time along with a higher success rate. 

 

My bone on bone knees that caused me pain with each step

 

But MAKO is a means, not an end. It takes a highly skilled surgeon to perform this procedure. A wanted a surgeon with experience, finesses, and track record that would give me great comfort to proceed with such an operation. For me that was Dr. Robert Belniak of New Britain Orthopedic Surgeons at the Grove Hill Medical Center located at 1 Lake St., in New Britain, CT. Dr. Belniak’s demeanor, experience, and confidence along with a wonderful bedside manor puts you at ease. He’s patient and takes the time to answer your myriad questions about the surgery, use of robotics, recovery, pain, and the like. 

 

My implants as they appear from the front. Note the space between the top and bottom

 

 

And from the side...Pretty amazing!

 

 

A great surgeon surrounds himself with the most competent of staff possible. Xiomara is a fierce patient advocate and schedules your surgery and ancillary preparation appointments. She is adept at punching through the ridiculous insurance company red tape that seeks to keep your from getting well!  In deference to my travel distance she rescheduled 3 appointments over as many days into one single day with a smile so I only had to drive up and back once.

 

Belniak's staff are all A-list players and at the top of the list is Caitlin Sweeney, PA. Caitlin loves her job as Dr. Belniak’s Physicians Assistant it shows in how she works with patients. Her wide smile and effervescent personality puts you at ease immediately as she puts all your concerns into perspective. You never feel that you're short changed by not seeing "the doctor" as she is well equipped to handle all of your needs when Dr. Belniak is not available. She's also a millennial and I enjoyed the immediate access to here via text when I needed a question answered or my prescription filled. All-in-all The Belniak team could not be a better group and their synergy is apparent as you go through the process. 

 

My surgery was performed at and I couldn’t have been happier with how everything was handled and the care I received afterwards. It was the polar opposite of my spine surgery experience at the so-call magnet hospital known as Middlesex Hospital which was abysmal at best.

 

The Hospital of Central Connectciut had me feeling more like a hotel guest than a patient with so much loving and competent care one rarely needed to hit a call button. The well healed staff seemed to anticipate my every need and thus no matter what shift was on I was received absolutely the best care one could possibly hope for. I live just 15 minutes from Middlesex Hospital so driving an extra 30 minutes to get to HOCC speaks volumes about the differences between the two hospitals. Congratulations to The Hospital of Central Connecticut for not only knowing how to choose the right people to work there…but how to motivate them around the clock to a level of excellence anyone would be proud of. 

 

I am writing this blog 33 days post procedure. I reached full independence nearly a week ago walking without any aids, driving again, and back to an almost full work schedule as my stamina is not yet 100%. I diligently do my physical therapy twice a day and thank everyone from Dr. Belniak to Dr. Jonathan Patrick from Atrinity Home Healthcare, my in-home physical therapist for job well done and helping me get back to living life way ahead of the norm. Dr. Jonathan Patrick is simply THE best physical therapist I’ve ever had the pleasure of working with. If you ever need in-home therapy you’ll not be disappointed. By the by, I had originally requested in-home care from another company but when I was told Jonathan Patrick no longer worked for them I found out where he went and called them instead. When Jonathan leaves you you’ll always feel better and your pain will be lessened or gone altogether.  Atrinity was the smart company that grabbed him up and delighted how quickly I progress and how good I feel under his care and guidance. You need a complete team to win this game and I certainly was lucky to have chosen a winning team for my healthcare needs in this case. 

 

Gladeview is located at 60 Boston Post Road in Old Saybrook, right on the water and offers views as nice as the care and staff is...

 

There’s one more piece to this story I’m saving for last because it was the most important decision I feel I made in this journey: Choosing to do my initial rehabilitation at an in-care rehabilitation facility. For me the choice was easy…Gladeview Health Care Center in old Saybrook, CT owned and operated by Linda Silberstein and run by executive director Paul Knutsen. Coming here continued the feeling I had from The Hospital of Central Connecticut where I felt like more a hotel guest than patient.

 

I was welcomed to the second floor by a staff so warm, welcoming and loving it seemed not believable but trust me…it was for real. Here too I my needs were mostly anticipated but there were times I needed that call button and boy did I ever use it. The first week was very tough and between the drugs I was on for pain and other symptoms coupled with the unfamiliar surroundings so I needed attention at night especially. I apologized for pressing the call button most times but I was told never to be concerned and that they were here to help when I needed it. They were not merely words as each time they came it was with a smile and attitude that made you feel at ease which creates an atmosphere one can truly heal fast and well in.  

 

It mattered not whether it was the 1st, 2nd and 3rd shifts, from the nurse assistants to the nurses themselves, I was treated was such care and competence it blew me away. Some services and care in long term and rehabilitation facilities can be empirically measured and tracked, but some can only be felt. Believe me when I tell you that the staff here has also been well chosen and the management model employed keeps this facility the cleanest of all I’ve ever been in. I've not personally been in many as a patient buy I was in many when I shopped for a place for my now deceased mother-in-law. I always knew I was in a nursing home or long term care facility by it’s foul smell and especially the smell human urine which spoke volumes of how the facility was run before you even talked to anyone.

 

At Gladeview you’ll not find this. It’s super clean and very well managed. From the maintenance folks to it’s management personnel, they are among the happiest people and most competent I’ve seen in any business. Running a facility and keeping it compliant with the myriad regulations is no joke and they are on it 24/7. Most notable was how the entire staff treated those who were truly dependent on staff for everything. These are the folks that are in wheelchairs, extremely old, in a condition we all hope isn’t us one day. The ones that are the most helpless and the ones you read about in some news articles. These are the ones easiest to abuse or leave unattended because they can't truly speak up for themselves. I can say as a fly on the wall and witness that not one of these patients were ever mistreated or forgotten. The staff spoke to these patients often, attended to their every need promptly, and left me with the feeling that I had chosen a place that somehow had found many people from many walks of life and means that truly knew and had compassion in their hearts. This is a staff whom had chosen a field where they could be of service, where they could help others heal with dignity and go home feeling good about themselves.  Thank you to the entire staff and to Linda and Paul for your good work. Lastly this is a special shout out to all of the great staff members in the physical and occupational therapy department as it's your good work that pushed me back to self-sufficiency, that got me on my feet and home in just 2 weeks and in time for Christmas with my family. Much love to you all. 

 

Doesn't it get your goat having to pay as much as you pay for unlimited 100mpbs at your home from say a provider like Xfinity as it does for a very limited and metered slower service from say AT&T, Verizon, and my least favorite, Exede (formerly Wild Blue), the satellite internet service provider? It sure sends me sideways. 

I was forced to use Wild Blue which later became Exede a few months after I signed on at my investment property that I rent in Lempster, NH. Many tenants insist on free WiFi or they won't book your cottage for their vacation so I was forced to provide a solution for my off-grid waterfront rental.  

My start with then Wild Blue was horrific from the beginning. I placed an order for a slower but higher limited bandwidth of 20gb for $49/mo. with the operator. When no one showed to install as scheduled the operator tried to re-enter my order. Their fault but that made no difference in the end. They discovered the "special" I ordered then was no longer available and no one, I mean no one, would make it right. After failing to get them to do the right thing they said too bad, they no longer offered that plan and forced me into another plan but claimed I'd be happier as it was at  faster speeds. However, it was $10/month more but just 10gb per month, half of their first promise. They told me it would be be more than adequate for simple surfing and email and other such tasks but not streaming. Duh. No metered plan makes sense for streaming video. It's satellite for people off the grid and they take advantage of this fact and really put it to you.

As I used the system while there myself doing normal things for my real estate practice I routinely used that 10gb in less than 2 days and was forced to keep adding 1gb at $10/gb. That seemed not right from the beginning and always fought them on their accuracy. They insisted I was doing more than I claimed and didn't take advantage of their un-metered midnight to 5am unlimited time slots. In any case, at the end of the week just to do normal business I'd end up with $120+ bill! Ouch...that's just a week and NO streaming. They say it's un-metered at night so I would do cloud back ups during those hours they claim it's free and wake up in the AM and checked my account to find it ZERO!! So you call them and they say "sorry" and add a few gb  back. Get the picture? They apologize and say there must have been a "glitch" or some other lame claim and you move on. I stopped using the "free" time to keep from having to wait forever to speak to someone to get some bandwidth back. 

This year I decided to do a test. I started to do my real estate work which includes creating small billboard websites with still photos and a 3 minute or so video clip while my wife would manage her CT Farm Fresh Express Store when we were there prepping the cabin for the rental season. As expected we blew through the 10gb plus 1gb extra in under 2 days. 

I then used my Verizon LTE connection through my iPad and used it as a hot spot. It's ultra fast and much more so than what Exede can deliver. We blew through those 6gb in a day. Just doing business...not watching Netflix or Hulu or other bandwidth consuming practice. Hmmm...why? This makes no sense and also perplexed my visitors who'd call complaining they too were experiencing running out of bandwidth doing little else but casual surfing and email. It's starting to quack like a duck if you get my drift.

Lastly we tested AT&T for data from our iPhones on our shared 20gb per month rollover data plan.  One of my biggest complaints to both Verizon and Exede was why they won't let you carry over unused bandwidth? I paid for it but wasn't there to use it. Seems fair, no? Well AT&T brought back the Cingular roll over minutes plan to data but they only roll over the unused previous 30 days. So as I thought I was building up a nice cached of unused data I quickly discovered they'll go back just to the previous 30 days so they deceive you a bunch in advertising but better than nothing and more than anyone else is doing. While Sprint surely offered the very best plan on paper at $80/mo. unlimited all the way around...you seldom have service, at least where I live and travel, so an unlimited amount of nothing is well, nothing...but I digress. Back to the test: We each connect our phones via Bluetooth as hotspots on my iPhone 6+ and Lizzy's iPhone 5 and worked as we previously described for 12 days straight and only consumed a total of 12.5gb. Amazing, huh? We blow through Exede and Verizon in less than 2 days and yet only 6gb each for 10 days doing the same work. Something is very wrong with Verizon's and Exede's claim of accuracy and I believe the FCC needs to check in on theses corporate thieves. When they find out I am right others will also rise up in anger. They will be fined a pittance compared to earnings with a condition that they admit to no wrong doing, a weak public apology, and life goes on for our fascist public companies who thrive on Wall Street on the expense of every one of us.  

When I called Exede to complain they insist I'm wrong of course and defended their metering to the end. What total bullshit. Ozzie, the tech support guy who was helping me terminate the account and offering me a free 5gb to stay didn't hear one word of my complaint. He kept reading his queue cards putting this on me and kept trying to "keep" me as it's his job.

I didn't care about their trumped-up logs to prove that I was wrong and they were right!  Well, me, the customer, and MY real world experience and that of my many weekly tenants was quite different indeed.  Defend away Exede...you're always right, not the customer as it used to be in the old days of doing business, and as a result you have an unhappy, pissed off PAST customer writing blogs about the thieving and unjust internet service and poor customer service experiences I have had. Even their automated telephone tree service will disconnect you 99% of the time. I told them about this problem in that after you answer all their questions, type in the numbers, your password, once they say please hold for the next operator it hangs up on you. Days later I had to call again and I experienced the same thing. The ONLY way in is through tech support and even that sometimes hung up on me at that point. I suppose that's just me and my telephone and they're system is showing things are operating normally.  Nothing they do is good from where I sit. Avoid doing business with these people at all costs. 

(BTW: I deliberately have our phones on AT&T and iPad on Verizon so we have coverage virtually everywhere. Both carriers, especially Verizon, brag how they got it covered and they're so wrong. AT&T for us in CT actually is much better for voice where Verizon is a bit better in NH.)

It takes many of us common citizens and customers of corporate giants who are now considered people by the Supreme Court to call out theses thieves in our midst. I believe we are all getting screwed and paying through the nose. Please comment or email me if you experience your bandwidth disappearing faster than you think it should. I'd love to hear from you! 

Moodus Veterinary Services is Now Open!!

by Mick Marsden
A new and wonderful veterinary practice has opened in The Moodus Village of East Haddam!
NEW CLIENTS RECEIVE 10% OFF THEIR FIRST VISIT!! READ ON!
 
Did you know one of the most qualified Veterinary Drs. is close by in Moodus/East Haddam CT? Dr. Anna Crosby is just one of less than 8 board certified Emergency and Critical Care specialist in the entire state. Dr. Anna Crosby and husband Stephen, whom is a Veterinary Technician Specialist, Anesthesia, a title fewer than 150 people in the country hold recently opened Moodus Veterinary Practice at 5 Grist Mill Road conveniently located off RT. 149 between Moodus Package Store and the Grist Mill Super Market. 
 
Dr. Anna Crosby and Stephen Crosby, CVT, VTS
 
They converted the 1900 turn-of-the-century antique building into a warm and cozy environment that feels like home to both pet and pet owner. My Border Collie used to freak out just at the sign of the former vet we used to bring her to but here she feels right at home here, has no anxiety, and loves her new Dr. and staff. The building's period details and warm wood floors make you feel at home and has great appeal over the cold hospital practices we see a lot of. To see a gallery of photos of what their practice looks like visit: 
 
 
Anna knew early in life that she wanted to be a Dr. of Veterinary Medicine and that dream came true. Anna spent her childhood in the Northwest corner of Connecticut where she later attended Vassar College in Poughkeepsie, NY. She graduated with honors in 1991 earning a degree in psychology. She began pursuing her dream of being a Vet by working several years as a veterinary technician before going on to veterinary school. She attended the University of Pennsylvania School of Veterinary Medicine in 1998 where she graduated Summa Cum Laude in the top 5% of her class. She completed her internship right at Penn in small animal medicine and surgery in 1999. She then obtained a competitive residency in Emergency and Critical Care at Tufts University, a rigorous three year program where she became a board-certified specialist (diplomate) in Emergency and Critical care in 2002.
 
Angell Animal Medical Center in Boston, MA, was her next stop in her veterinary career training veterinary students, interns, and residents where she later became the director of the residency program. Anna also met her husband Stephen at Angell Medical Center where they went on to work together at large referral hospitals in New Hampshire and Ohio. They longed to return to Connecticut where they truly felt home was in 2010. Anna became Director of Emergency Service at Central Animal Hospital in North Haven. After working several more years as a specialist, Anna decided it was time to open her own high-quality, service-oriented, small animal hospital where she can get to know both her patients and her clients.
 
Husband Stephen Crosby began working in veterinary hospitals at the age of 16. After he graduated from Northeastern University in 2004 he began working within the anesthesia department at Angell Animal Medical Center in Boston. Once he earned his Certified Veterinary Technician title, he carried various supervisory positions at a number of facilities in New England and Ohio.
 
Anna and Stephen are your neighbors!  They live nearby in Moodus with their adorable and wonderful daughters, Katori and Madison, and far too many animals to list. While not working at the practice, Stephen enjoys running, tinkering with gadgets and repairing vintage Ford tractors. In what little spare time Anna has, she enjoys running and hiking. 
 

Andrea Rock, CVT

Andrea Rock, CVT and an important member of the team and perhaps the first person youll see as you come through the doors. Andrea has been working in the veterinary field since 2005. She earned her associates degree in Veterinary Technology from Northwestern Community College and became a Certified Veterinary Technician in 2009. Andrea has experience in both private practice and emergency/speciality medicine. She met and worked with Dr. Anna Crosby at Central Animal Hospital in North Haven and is delighted to return to a small general practice where she can get to know her patients and their owners. You’ll love her warm and friendly disposition and how she connects with your pet.  Her veterinary interests include companion animal behavior, nutrition, and pediatrics. 
 
In her spare time, Andrea enjoys hiking, camping, and various arts and crafts. Andrea has four cats (Cornelius, Gia, Jazmine, Shamus) and an American Staffordshire Terrier (aka: Pit bull) named Delilah.
 
Moodus Veterinary Practice, LLC is located at 5 Grist Mill Rd in Moodus, CT 06469. Call them at Call them at (860) 733-0411 or visit them on the web at: http://www.moodusvet.com
 
10 PERCENT OFF TO NEW CLIENTS :: MENTION THIS BLOG PLEASE WHEN YOU ARRIVE
 
 

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