Whether it’s the law or another business, we all need a Personal Brand!

A Personal Brand helps to differentiate your practice or business from the competition!

As the owner of a company that provides title insurance for residential and commercial real estate transactions, I understand very well how critical it is to differentiate my business from that of other title insurance providers.

For anyone else whose business can also in someway be considered commodity in nature, differentiating that business from the crowd becomes an imperative!

By the term commodity I simply mean that the product or service your business provides is also being provided, albeit it most likely not nearly as well, by other firms.

In a nutshell, the question becomes what the unique selling proposition of your business is and how successfully you convey it to your clients and potential clients?

Personal Branding

That’s where the concept of a Personal Brand comes in.

While the term Personal Brand may sound like some kind of marketing mumbo jumbo, it’s what lets those who may not have done business with your firm (yet) and those current clients who may need a little reminding, what it is that sets you apart from the crowd.

I was reminded of the critical importance of Personal Branding, and wanted to pass it along, at a seminar that I attended this morning where this concept was a main focus.

The bottom-line? Take a look at the questionnaire below and if NO appears as the answer to more than five questions, there is some work to be done.

Title Insurance New York

(Click to make bigger)

The questionnaire was provided courtesy of Bill Corbett of Corbett Public Relations whose website can be found here.

Picture Source

At Hallmark Abstract Service we take pride in the way that we conduct our business and in the continued level of satisfaction enjoyed by our clients.

Call or email us to set-up an appointment where we will come to your office, learn about the nuances of your practice and explain to you the way we approach the title business!

Hallmark Abstract Service LLC

Michael Haltman, Owner
131 Jericho Turnpike, Suite 205
Jericho, New York 11753
516.741.4723 (P)
516.741.6838 (F)

Email:       mhaltman@hallmarkabstractllc.com
Website:   Hallmark Abstract Service
Blog:         The Hallmark Abstract Sentinel

At Hallmark Abstract Service, we work harder to make your closings easier!

For CPAs: 2 CPE Credit discussion of “R&D Tax Credits and Insurance Captives Strategies”

If you are a CPA or know any CPAs this promises to be a fantastic program on May 15th! From the Press Release:
R&D Tax Credits and Insurance Captives Strategies for Small and Medium-Sized Businesses

Date: May 15, 2012

Time: 8:00am – 12 Noon 

Location: CARLYLE at the PALACE

1600 Round Swamp Road

Plainview, NY 11803

Strategies for success are often elusive for small and medium business owners who frequently turn to their CPAs for trusted advice. Accounting professionals will have the opportunity to expand their knowledge, network with other professionals, and earn 2 CPE credits at the Accountants Resource Group (ARG) Member Showcase and CPE Workshop. Attendees of the event on Tuesday, May 15 from 8-11 a.m. will learn the latest trends and secrets about Research and Development Tax Credits and Insurance Captives. The event will take place at Carlyle at the Palace at 1600 Round Swamp Road in Plainview, New York.

Accountants Resource Group is a network of local business professionals who understand the specific needs of accounting professionals and who are a resource for accounting firms and their clients. The ARG Member Showcase and CPE Workshop will begin with networking and a member-only trade show consisting of ARG members followed by CPE presentations from Sonny Grover, Senior Managing Director and Executive Vice President of alliantgroup, and Dave Kotowski, President of Elevate Captives.

Mr. Grover’s presentation will explain federal and state Research and Development tax credits and incentives for small and medium businesses.He will uncover how many small and midsize businesses are eligible and are taking advantage of R&D tax credits as a result of recent legislative changes.Many businesses are unaware they can significantly reduce their tax liabilities based on daily activities of developing or improving a product or process. Mr. Kotowski will discuss the tax advantages of Insurance Captives. He will explain what insurance captives are and how they operate to reduce a business’ insurance overhead and increase cash flow.

“The CPE topics, R&D Tax Credits and Insurance Captives are tools that are underutilized by small and medium-sized businesses. However, in the right situation they can save a business a substantial amount of money. Accountants and CPAs can use the information they learn at this workshop to advance their skills, grow their practices with new clients, and bring new, effective and cost-saving business strategies to their existing clients,” said Bruce Libman, founder of Accountants Resource Group.

The cost to attend is $65 . If you have any questions or potential interest in attending please let me know at either 516.741.4723 or mhaltman@hallmarkabstractllc.com.

Social Media and the Law (Firms)!

Social Media is a buzz word that relates to any number of disparate uses!

For the purposes of this article, however, the specific use in question concerns lawyers and law firms.

Some are on the cutting edge of technology and the internet and have been using social media in their practice for some time.

Other firms may just now be arriving to the social media party feeling that while they’re not exactly sure of its exact business purpose or any surefire way to determine its quantifiable value, involvement in some form and on some level is likely necessary to at least keep pace with what their competitors are doing.

That said the following article addresses this issue in a way that I hope you find valuable.

From the website SLAW, “How Law Firms #Fail at Social Media”

It’s no longer new or innovative for law firms to use Twitter, Facebook, or LinkedIn as elements of their public web presence. Social media tools have become sufficiently standard that we can probably declare 2012 the year firms finally “buy in.”

While early-adopter firms continue to fine-tune their offerings, what I’m really noticing these days is the critical mass of firms now playing catch-up. Lawyers who used to ask, “What’s the firm across the street doing?” are now wondering “Why aren’t we doing that?” Social media buttons are sprouting all over law firm websites, all over the web. The tipping point may finally be here.

I touched on these themes in my 2012 predictions column, leading to some thought-provoking questions from Slaw’s resident tech-scholar John Gregory. John correctly notes the high volume of Twitter entries in law firm accounts, including the additional “noise” of self-congratulatory firm news, events, and other PR spin.

“Why,” he asks, from a potential reader’s view, “would one follow a law firm on social media? Compared to the focused commentary delivered by individual lawyers, what possible additional value can firms deliver?” And looping back to my original column’s predictions of “social media failure,” does this perceived lack of value qualify as a #fail?

Before we can talk about law firms’ social media failures, we weed to know what exactly we mean by “success.” Experience has taught us a few things about successful participation online for both law firms and their lawyers. Success follows law firms that constantly consider and plan their substantive message and focus on bringing that message to an audience where it can resonate.

So what does failure look like? Here are three common examples, plus one that is often miscategorized as a failure, but that I don’t think really qualifies.

A Little Too Social

Social media-driven relationships that are initiated or enhanced on substantive grounds have a stronger connection to the firm’s business interests than those that don’t. Some firms (and lawyers) stray too far from the business side of things in their Twitter accounts, reveling in online relationships for their own sake – they become blindly social. That’s not to say friends and family don’t have business value, but the best “business” relationships have focus. Lawyers need to consider the demographics: who sends them work; who influences commentary; who shares industry “know how”; and who has common academic interests. Otherwise, as business people, they’re looking at a definite social media #fail.

The Right Place…at the Wrong Time

A worrying trend is the number of lawyers and firms new to online participation that fall into the trap of doing nothing but social media. Professional reputations are built on two critical pieces: personal relationships and demonstrated expertise (more on that in a minute). While the social networks shine at relationships, they fail miserably as delivery vehicles for original commentary. To make up for that weakness, in my view, firms need to get the order right. Substantive materials should first be published outside of social media – preferably on a firm-owned website with proper disclaimers, establishing ownership of the firm’s intellectual investment and expanding the firm’s base of authorship. Once these publishing routines are established, then those materials can be shared within social media. Of course, as we’ll see next, it’s impossible to do things in the wrong order when there’s…

Not Enough Substance

After personal relationships, developing a professional reputation online demands a commitment to writing commentary (demonstrated expertise), and I fail to see how social media escapes this element of necessity. Lawyers make varying choices in how to accomplish this: writing blogs, publishing articles, writing books, or developing CLE programs, to name a few. A reputation is built upon a body of work. For social media to play a supporting role, it must be grounded in substantive content created by an individual lawyer, or somehow connected to a lawyer’s practice. Lawyers can’t simply be linking machines, sending readers everywhere but to their own website; becoming nothing more than a distributor for other people’s content. As a business tool, social media without substance to back it up does indeed #fail.

Lack of Lawyer Involvement

I’ll spend the most time on this one, because I think it’s the part that’s so misunderstood and missed as an opportunity. There’s a line of thought that says law firm Twitter accounts fail when they do little but promote the firm: brag about awards, circulate press releases, and congratulate lawyers on their publications or achievements, but I’m going to differ here.

While it’s true that firm accounts are frequently cluttered, I’m not convinced their focus should be on communicating with clients and prospective clients. In my mind, the firm account is better suited as a homing beacon; as content infrastructure. Why? Because, as John Gregory’s comment suggests, people don’t follow law firms, they follow individual lawyers. And lawyer social media accounts, I would argue, are where firms develop and enhance relationships.

Think about it for a moment: unless a law firm has a very narrow, niche practice, it’s virtually impossible for a firm Twitter feed to be engaging and relevant to all clients, who potentially have hundreds of areas of interest and concern. But who knows, on a much more accurate level, what clients would be interested in? Who is perfectly positioned to generate a stream of relevant, useful tweets? Individual lawyers, of course. As the old saying goes, people don’t hire law firms, they hire lawyers.

I see the firm Twitter feed as a pool of abundant, high-quality, yet controlled, vetted messages about the firm, from which individual lawyers may cherry pick, passing along only the best to their readers, interspersed with their own tweets.

Add to this, the fact that an essential aspect of social media is reciprocity and interaction, something that corporate Twitter accounts often neglect entirely. But individual lawyers are more apt to develop the types of social networking relationships that aren’t just one way, replying, retweeting, and passing along information and links from outside sources.

In summary, clearly, it’s not healthy for any firm to be unidirectional in their approach to social media; we do, however, need to see the bigger picture – firm accounts and lawyer accounts must be considered collectively, not as separate entities.

The “official” firm Twitter account must play a number of important roles, each with inherently different audiences, including:

  •                   Informing and enticing media coverage
  •                   Recruiting new lawyers and staff
  •                   Developing and enhancing overall market presence
  •                   Supporting and seeding the Twitter accounts of individual firm lawyers

I suspect that if we start to recognize that law firm Twitter accounts have more than one audience and more than one goal, we will stop being so quick to say their social media attempts #fail.

What do you think?

By Steven Matthews at SLAW

At Hallmark Abstract Service we take pride in the way that we conduct our business and in the continued level of satisfaction enjoyed by our clients.

Call us to set up an appointment and we will come to your office to learn about the nuances of your practice and explain to you the way we approach the title business!

Hallmark Abstract Service LLC

Michael Haltman, Owner
131 Jericho Turnpike, Suite 205
Jericho, New York 11753
516.741.4723 (P)
516.741.6838 (F)

Email:       mhaltman@hallmarkabstractllc.com
Website:   Hallmark Abstract Service
Blog:         The Hallmark Abstract Sentinel

At Hallmark Abstract Service, we work harder to make your closings easier!

Hallmark Abstract Service Wants to Help Its Clients Negotiate with New York City!

Hallmark Abstract Service New York State title insurance

The relationship established with Skyline Research Group represents another important milestone in our continued efforts at Hallmark Abstract Service to:

  • Help our clients streamline their closing processes, and
  • Provide value-added resources and services to our clients in non-traditional ways.

Skyline Research Group (SRG)

SRG specializes in negotiating with New York City to reduce monies due on commercial and residential property for ECB violations, Housing and Preservation and Development judgments and other NYC judgments and charges.

They also negotiate liens from third parties such as Con-Ed, Keyspan, Brooklyn Union Gas etc.

SRG has been engaged in successfully performing these negotiations since 2005.

While there are many firms that offer these services, through Hallmark’s due diligence process we felt that SRG was best situated to exceed the expectations of our clients and by extension their clients.

SRG will provide a free analysis of a clients property and if retained will only be paid upon a successful reduction of the amount owed by a property owner.

If you have any questions or would like to be put in touch with SRG, please let us know.

At Hallmark Abstract Service we take pride in the way that we conduct our business and in the continued level of satisfaction enjoyed by our clients.

Call us to set up an appointment and we will come to your office to learn about the nuances of your practice and explain to you the way we approach the title business!

Hallmark Abstract Service LLC

Michael Haltman, Owner
131 Jericho Turnpike, Suite 205
Jericho, New York 11753
516.741.4723 (P)
516.741.6838 (F)

Email:       mhaltman@hallmarkabstractllc.com
Website:   Hallmark Abstract Service
Blog:         The Hallmark Abstract Sentinel

At Hallmark Abstract Service, we work harder to make your closings easier!

Let Hallmark Abstract Service treat you like a newlywed!

Hallmark Abstract Service New York State title insurance

Hallmark Abstract would like to compete for a place in the conversation when you are choosing a title insurance firm for a client’s transaction!

We understand that if you are an attorney who does transactional real estate you likely have at least one title insurance firm whom you work with!

- The question is do they continue to treat your relationship as if you were still on your honeymoon, or is it more like an old married couple who take each other for granted?

We understand that the title insurance premiums in a transaction are non-negotiable!

- But are the firms that you currently do business with competitive when it comes to the other fees that are involved in your clients’ transactions?

We understand and respect loyalty, but does your firm have a viable Plan B, C or D in place in the event of a crisis related to title?

- While we are not ER surgeons on-call for an emergency operation, if the 2008 financial crisis and its aftermath taught us anything it’s that nothing stays the same!

What or who was there yesterday may, for any number of reasons, not be there tomorrow!

Does your firm have contingency plans in place for a time, that potentially may never come, when your current go-to title firm is not available?

At Hallmark Abstract Service we take pride in the way that we conduct our business and in the continued level of satisfaction enjoyed by our clients.

Call us to set up an appointment and we will come to your office to learn about the nuances of your practice and explain to you the way we approach the title business!

Hallmark Abstract Service LLC

Michael Haltman, Owner
131 Jericho Turnpike, Suite 205
Jericho, New York 11753
516.741.4723 (P)
516.741.6838 (F)

Email:       mhaltman@hallmarkabstractllc.com
Website:   Hallmark Abstract Service
Blog:         The Hallmark Abstract Sentinel

At Hallmark Abstract Service, we work harder to make your closings easier!

“Do you guys know how to post a video to Facebook?”

Using LinkedIn for your practice or business!

Even before watching the AT&T commercial that asks the question about posting a video to Facebook, people in business were generally well aware of the critical importance of using social media to promote their company or practice.

Whether it’s the area of law, title insurance, retail or really anything else, a positive web presence is a must.

When it comes to using LinkedIn, the best and most productive ways to utilize it are not always that apparent. There are “Connections”, profile descriptions and adding new content, but what else? This SlideShare presentation will hopefully help.

Developing a LinkedIn sales strategy!

SlideShare courtesy of Outbound Excellence

Hallmark Abstract Service LLC

Michael Haltman, Partner
131 Jericho Turnpike, Suite 205
Jericho, New York 11753
516.741.4723 (P)
516.741.6838 (F)

Email:       mhaltman@hallmarkabstractllc.com
Website:   Hallmark Abstract Service
Blog:         The Hallmark Abstract Sentinel

At Hallmark Abstract Service, we work harder to make your closings easier!

Commercial real estate financing: Saving money on the process!

commercial property,commercial mortgage,Hallmark Abstract Service,title insurance New York

(Article scheduled to appear in Long Island Business News)

Financing commercial real estate isn’t as easy as it used to be!

If you’re thinking about buying commercial real estate the process, never an easy one, is that much more difficult post-real estate crisis.

Assuming that you are able to locate a property and then negotiate a price with the seller that should allow you to achieve what you envision the endgame to be, now comes the most difficult and drawn-out process of the transaction.

That of arranging financing for your proposed purchase.

First you must keep in mind that, unlike residential funding, not every lender lends on every type of commercial property. And some lenders won’t lend on commercial real estate at all!

Additionally even pre-2008, commercial property financing has never been as easy to do as residential due to an underwriting process that is much more involved and somewhat more complicated.

The underwriter will consider the property type, whether it will be owner-occupied or strictly for investment, the debt service coverage ratios based on a variety of factors, the quality of tenants and length of leases if applicable, capitalization rates for the area, zoning issues and more!

Compare this to the residential mortgage market where typically a house will get appraised, financials and credit scores will be scrutinized, and then if it all checks out a loan program will likely exist that the buyer will qualify for.

With commercial mortgages the borrower financials are still a critical piece to the puzzle, but the property itself is more important to the transaction getting done.

While a “bad” borrower is enough to kill any transaction, a property has to fit within the lenders sweet spot as well.

For example, does a lender only like multifamily and mixed-use while they dislike lending on vacant land.

Knowing the likes and dislikes of a lender before submitting an application helps avoid wasting valuable time and money!

Saving money on a commercial real estate purchase and closing!

After what has hopefully only been about a 6-month process including the finding of a property, locating a lender and jumping through hoops and over hurdles set-up by that lender, the end of the process has hopefully been successfully reached.

The definition of success in this case is that a mortgage commitment has been issued and a “clear to close”!

Before you get there, however, in today’s market the savvy real estate buyer is in an excellent position to save what could be a good deal of money on their transaction, including on closing costs.

In the first place the buyer hopefully beat up the seller getting a great price on the property itself. Once price has been agreed to and before the contract is drawn up, other transaction savings can begin to be explored.

While a struggling economy and real estate market can be good for the buyer, the shrinking volume of transactions facing others involved in the process such as attorneys, real estate brokers, appraisers and Title Company’s presents the purchaser with additional potential avenues for savings!

One constant among all of these professionals that a smart consumer can attempt to leverage, particularly now, is that the fees being charged are often negotiable!

When the real estate market is strong and multiple new deals are received each week, an appraiser or some other professional can afford to tell a potential client that the price being charged is non-negotiable.

But not as much now! With the competition for a scarcity of deals fierce, common sense dictates that  for the service provider some level of fee, as long as it is reasonable, is much better than earning no fee by not getting selected by the buyer of the property.

Even the title insurance portion of the transaction, where premiums are non-negotiable and set by New York State, represents an area where a savvy buyer can save money.

Despite this, typically most buyers will let their attorney choose the title firm.

One of the reasons that this may occur is that many, if not most, buyers are not aware that by law they are entitled to choose the company providing title insurance. Another reason can also be that their attorney may have an established relationship with a specific firm that they know and are comfortable using.

Despite this fact, buyers need to remember that the non-title insurance premium fees in the transaction can vary widely by firm, and that these can add up to an appreciable amount of money.

For example, while recording a mortgage in some New York State counties costs a title firm $265.00, they might charge the borrower as much as $450.00. If there is a deed and a mortgage to record this would be a fee to the buyer of $900. What if instead the client is charged only $300 for each of these with similar savings on all of the other fees being charged?

That would represent significant savings to be had by using Company A rather than Company B.

In the same way that you would negotiate any fee, the savvy buyer will go to a few title firms firms for  an estimate of what their title bill would be.

If it’s possible to save hundreds or maybe even $1,000 this way, why not do it?

The bottom-line is that a real estate buyer needs to closely examine all parts of their transaction, determine what are non-negotiable fixed costs, and then aggressively negotiate the rest!

Hallmark Abstract Service LLC

Michael Haltman, Partner
131 Jericho Turnpike, Suite 205
Jericho, New York 11753
516.741.4723 (P)
516.741.6838 (F)

Email:       mhaltman@hallmarkabstractllc.com
Website:   Hallmark Abstract Service
Blog:         The Hallmark Abstract Sentinel

At Hallmark Abstract Service, we work harder to make your closings easier!

Title insurance: Buyers do have a choice!

Hallmark Abstract Service New York State title insurance

If you or someone you know is buying residential or commercial property wouldn’t reducing the closing costs be a very good thing?

Well you are legally entitled to try!

When you sit at a real estate closing table with your attorney as the purchaser of a piece of real estate, at least in New York, it can seem as if you have just entered a marathon of check writing.

The fact of the matter is that there is really no way around the majority of these expenses, but what if you could try and reduce the amount of money that you need to pay the company providing the title insurance?

A property buyer is free to choose their title insurance provider!

You may not realize that you have this option because the attorney representing you will typically take care of ordering the title insurance, but using that firm may not always be the most cost effective way to go!

While the actual title insurance premium is set by the State of New York and is non-negotiable, there are other fees involved with generating the title that can vary greatly from firm to firm.

These fees include those for searches and items such as a property survey.

While one company might charge $300 for a basic search that costs them $150, another firm may simply charge the property buyer the cost, $150.

If you were to combine all of these required additional searches and other items, also known as “junk fees”, and then add together all of the mark-ups being charged by some firms over and above their cost, the excess expense for the property buyer could be well in excess of $1,000.

Once again property buyers often assume that they have no say in the choosing of the company that will be providing the title insurance for their transaction.

But they can!

It may take an extra phone call to ask a title insurance firm what the title bill would be for your given transaction and then compare it to the company that your attorney or bank is recommending that you use.

But if you have the potential to save hundreds or maybe even over $1,000, wouldn’t it be worth it to try?

Hallmark Abstract Service LLC
Michael Haltman, Partner
131 Jericho Turnpike, Suite 205
Jericho, New York 11753
516.741.4723 (P)
516.741.6838 (F)

Email:       mhaltman@hallmarkabstractllc.com
Website:   Hallmark Abstract Service
Blog:         The Hallmark Abstract Sentinel

At Hallmark Abstract Service, we work harder to make your closings easier!

Canine companions for disabled U.S. military veterans and others in need!

At Hallmark Abstract Service, part of our business is giving back to the community!

Whether a company is just starting out or is about to celebrate a 25th anniversary in business, supporting the community that supports you is critical!

With that in mind I would like to present a local charity by the name Canine Companions for Independence in Medford, New York!

Canine Companions for Independence!

I had the honor and the privilege of becoming involved with CCI which breeds, trains and then provides dogs for wounded veterans and others who need assistance with the everyday tasks that most of us take for granted.

CCI was founded in California in 1975 and since that time has placed over 3,500 dogs around the country with those who need their special services and skills. The dogs are trained to work in one of four areas; Service, Hearing, Skilled Companion and Facility; and are hand selected based on the needs of an individual and the temperament of the animal.

At first each dog spends an extended period of time at the homes of volunteer puppy raisers that teach him or her certain basic skills. The dogs then go to a CCI facility where they are trained in the specific skills they need as service dogs.

I believe that only 45% of dogs that begin the training process actually make it through and into service, indicating just how special the ones who graduate actually are.

One recent recipient of a CCI service dog is Richard Sweeney. Richard is a Vietnam-era Army veteran confined to a wheelchair, now retired and living in New Hampshire.

He was at the CCI facility where he had trained with Ocean, now his service dog. Ocean will assist Richard with everyday tasks like opening doors, drawers, refrigerators, etc. He will be able to turn lights on and off and pick up any dropped objects on command…. wallets, phones, credit cards and other objects as small as a dime.

Richard is a special individual who, along with a group of other special people, forms an organization in New Hampshire known as the Pease Greeters. This is their stated mission:

The Pease Greeters Mission:

· To welcome troops passing through Pease International Airport on their way to, or from, Afghanistan or Iraq, or any other areas of conflict in any part of the world.

· To create within the Pease Trade Port an environment that reflects the respect and high esteem in which we hold all veterans.

· To promote broad participation by the general public in this welcoming of heroes, paying special attention to the education of school children by instilling respect and admiration for the troops through formal ceremonies for each flight.

The flight at Pease AFB in Portsmouth, NH could be landing or leaving at 4:00 PM or 4:00 AM and some number of Pease Greeters will be there to give the soldiers the type of welcome home or send-off that a soldier in the United States military deserves!
This is particularly important because due to the remote location of the airport few if any of the soldiers will have family there. For the soldiers returning from a tour in Iraq or Afghanistan, it’s possible that there was little if any time between leaving a combat zone and getting on a plane home.

Being greeted the way that they are by the Pease Greeters and now by Ocean will in many ways be more therapeutic than anything else could possibly be at that time.

Ocean will be helping to ensure the success of the Pease Greeters mission the way that only a dog can do!

But besides getting to meet Richard, I met a number of other trainees and their family’s at CCI who left with service dogs like Ocean that will help them with some of the most basic daily functions that once again, most of us take for granted.

The CCI mission!

The facility provides housing for up to ten families at each training session. In addition the building houses kennels, veterinary offices, training rooms, classrooms and outdoor pens. The building is spotless and if you didn’t know that dogs lived there you couldn’t tell any other way.

CCI survives on the charitable kindness of its current friends and the people like me who were already friends but just didn’t know it yet.

Help can take many different forms such as being a volunteer puppy raiser, but above all CCI needs donations to maintain the stellar level of service to the people that they help!

If you can, go out and visit the facility to see in person the great work that they do at CCI.

And please help this fantastic organization keep doing the critically important work that they do by clicking on the link below and giving whatever you can!

Click here to donate to Canine Companions for Independence!

ABOUT CANINE COMPANIONS FOR INDEPENDENCE: Canine Companions for Independence is the largest non-profit provider of trained assistance dogs with five regional training centers across the country. Established in 1975, Canine Companions provides highly trained assistance dogs to children and adults with disabilities and is recognized worldwide for the excellence of its dogs, and quality and longevity of the matches it makes between dogs and people. There is no charge for the dog, its training and on-going follow-up services. For more information, visit cci.org or call 1-800-572-BARK

Mike Haltman, Partner
Hallmark Abstract Service

“Hallmark Abstract works harder to make your closings easier!”
Michael Haltman, Partner
Hallmark Abstract Service
131 Jericho Turnpike, Suite 205, Jericho, New York 11753
516.741.4723 (O) 516.741.6838 (F) http://www.hallmarkabstractllc.com orders@hallmarkabstractllc.com