U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > New York > New York City
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
 
Old 07-16-2018, 11:03 AM
 
Location: New York, NY
7,605 posts, read 2,747,790 times
Reputation: 2836

Advertisements

Quote:
Originally Posted by RadeonHD4250 View Post
Which is why they should just go off of the net and save everyone the extra headache and torture. I'm sure there is some political reason to go off of gross, but to the average Joe, it's worthless.
Yes, but some people pay more in taxes than others, so I think the idea is to ensure that people who you want to get in can afford the rent. When I originally got my first apartment in the States, my credit score was around 720 or so. Now I've seen places that want that or more with more than 40X the rent, and some places are fine with a credit score in the 600s. I guess it's always safe to have more rather than less where possible.
Quick reply to this message

 
Old 07-16-2018, 12:47 PM
 
581 posts, read 551,805 times
Reputation: 117
Quote:
Originally Posted by mathjak107 View Post
fidelity had a nice gauge
50% - 15% - 5% ?

that is total of 70%. so where is the rest? am I missing something?
Quick reply to this message
 
Old 07-16-2018, 03:13 PM
 
Location: Manhattan
20,244 posts, read 26,596,313 times
Reputation: 9063
I think most people are crazy to pay 30% of their gross income to a landlord. That is something I would NEVER do, and indeed, have never in my life done. Lowest I have even done was 9%...long ago.


Right now I am paying about 25% of my NET income in maintenance and that is more than I ever paid. But that includes all utilities except cable.
Quick reply to this message
 
Old 07-16-2018, 03:39 PM
 
581 posts, read 551,805 times
Reputation: 117
This is a tough decision. I don't really know what to do.
he is asking for first, last and security. Then there is a 12% broker fee.
Apt is in a very old building, I will have to hire a professional to do some work in the bathroom. reglazing the bathtub and the sink. I can't touch those without some major work.
but if I don't take this, I don't know where to go.
The nice thing about it though is that it is in my favorite neighborhood and very close to the subway. I can feel safe there.
Quick reply to this message
 
Old 07-16-2018, 03:51 PM
 
Location: New York, NY
7,605 posts, read 2,747,790 times
Reputation: 2836
Quote:
Originally Posted by safina1 View Post
This is a tough decision. I don't really know what to do.
he is asking for first, last and security. Then there is a 12% broker fee.
Apt is in a very old building, I will have to hire a professional to do some work in the bathroom. reglazing the bathtub and the sink. I can't touch those without some major work.
but if I don't take this, I don't know where to go.
The nice thing about it though is that it is in my favorite neighborhood and very close to the subway. I can feel safe there.
How are you going to hire a professional? Did they give permission to do so in advance in writing? If not, the lease will likely strictly PROHIBIT you doing any work or changes to the apartment. I know that's what my lease says. In my new bathroom, the new toilet that was installed prior to me moving in had a leak, so I called the super and told him I needed a new one. He came and installed the new one and it still leaked, so they hired a plumber to come in and get it right the third time. I haven't had a problem since.
Quick reply to this message
 
Old 07-16-2018, 03:54 PM
 
581 posts, read 551,805 times
Reputation: 117
Take a look at this:

$1600 rent +utilities
$112 metro card
$800 food
$ 55 phone bill
$100 cleaning products, soaps, toothpaste, etc..
$ 430 ( something I have to pay every month)
$ $60 internet ( not sure if it would cost more than that. I don't need cable.
$ ?? some digital subscription to some websites that I like (netflix or amazon prime or Lynda.com)
$45 gym
$40 meds
$40 salon
$50 laundry

Am I missing something here?
Quick reply to this message
 
Old 07-16-2018, 03:57 PM
 
581 posts, read 551,805 times
Reputation: 117
Quote:
Originally Posted by pierrepont7731 View Post
How are you going to hire a professional? Did they give permission to do so in advance in writing? If not, the lease will likely strictly PROHIBIT you doing any work or changes to the apartment. I know that's what my lease says. In my new bathroom, the new toilet that was installed prior to me moving in had a leak, so I called the super and told him I needed a new one. He came and installed the new one and it still leaked, so they hired a plumber to come in and get it right the third time. I haven't had a problem since.
I can't touch the filthy bathtub and the sink, they are so disgusting. broker said I can have them reglazed. he said it is fine as long as I am not touching the floors or electricity, etc..

super will fix the cracks in the floor and the wall. It is a very old building.
Quick reply to this message
 
Old 07-16-2018, 04:03 PM
 
Location: New York, NY
7,605 posts, read 2,747,790 times
Reputation: 2836
Quote:
Originally Posted by safina1 View Post
I can't touch the filthy bathtub and the sink, they are so disgusting. broker said I can have them reglazed. he said it is fine as long as I am not touching the floors or electricity, etc..

super will fix the cracks in the floor and the wall. It is a very old building.
Yeah I almost got into a problem going off of "what the broker said..." Luckily I had everything via e-mail, so I forwarded it to the landlord. I mean it's not like I had direct contact with the landlord at the time, so I asked him (the broker) if it was okay for me to have my cable and internet installed and I was told yes. Then DirectTV comes and says they need the landlord's signature, so I had to call the office and deal with the cranky landlord to get the sign off on something I had already been told was fine by the broker.

I don't know... Supers rarely do a good job fixing things, so be prepared for those cracks to open right back up again. We have these fancy lights outside of the building and the super has been trying to fix the timer on them for I don't know how long. The lights come on during the day and go out at night.
Quick reply to this message
 
Old 07-16-2018, 04:06 PM
 
Location: New York, NY
7,605 posts, read 2,747,790 times
Reputation: 2836
Quote:
Originally Posted by safina1 View Post
Take a look at this:

$1600 rent +utilities
$112 metro card
$800 food
$ 55 phone bill
$100 cleaning products, soaps, toothpaste, etc..
$ 430 ( something I have to pay every month)
$ $60 internet ( not sure if it would cost more than that. I don't need cable.
$ ?? some digital subscription to some websites that I like (netflix or amazon prime or Lynda.com)
$45 gym
$40 meds
$40 salon
$50 laundry

Am I missing something here?
$800 in food? Do you eat organic too? I have Hulu and the cost for that will vary but I have HBO and Showtime with it, so it was about $53 dollars with the promotion. If I were you I'd try to get it free for as long as you can.

$1600 for a place that is old and has cracks everywhere? What neighborhood is this? I think you can do better.
Quick reply to this message
 
Old 07-16-2018, 06:12 PM
 
581 posts, read 551,805 times
Reputation: 117
Quote:
Originally Posted by pierrepont7731 View Post
$800 in food? Do you eat organic too? I have Hulu and the cost for that will vary but I have HBO and Showtime with it, so it was about $53 dollars with the promotion. If I were you I'd try to get it free for as long as you can.

$1600 for a place that is old and has cracks everywhere? What neighborhood is this? I think you can do better.
UWS. It is close to the subway. You can't beat the location. But it is a very old building and I am worried that the cracks in the wooden floor are hosting unwanted guests. The bathroom is disgusting.
You make a good point. But what if I reglaze the bathtub and the sink without the landlord's knowledge? It is not like I am changing the main structure of the apt.
Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


 
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > New York > New York City
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top