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Old 07-29-2011, 02:48 PM
 
5 posts, read 9,727 times
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Hi, I'm from Louisiana and my husband is from New York. We are planning a move to the Albany area but I have tons of questions before we make the move.

1. Could someone point out some current apartment/house listings on Craigslist for a two or 3 bedroom under $800 in a safe area? From what I've been reading, I think we would either like to be in Albany, Troy, or Schenectady.

2. Is $30,000 a year (after taxes) salary enough to live in this area of New York? Or any area of New York?

3. My little boy has Medicaid in Louisiana which pays for most of his doctors visits and medicine. Is there a medicaid program up there and how difficult would it be to enroll my son coming from out of state? If you're familiar with the program, how does it differ from the Medicaid program in Louisiana.

4. What internet and cable companies are in those areas?

5. Also, I am thinking of studying real estate once we get up there. Do you think I would be able to do well as a real estate sales agent or even find a real estate agent job in the Albany area?

Thanks in advance for your help. I want to make sure we are making the right decision.
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Old 07-29-2011, 09:09 PM
 
267 posts, read 890,616 times
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I'd say $30,000 is do-able. What city will you be working in? I'd say live near your job to help save money. Consider what stores you frequent and how far they'd be. I don't know that much about Albany and Troy. I live in Schenectady, and found 2 places that are $800 or less. I'm not sure if either location is ideal. One is on Rugby, it's a busy street, but it's near a grocery store, drug stores, a hospital, etc. The other is on VanVranken, also a busy street, also near some shops. The one on VanVranken I'd say has a better elementary school. Schenectady also has free pre-k for residents kids that are 4, (the year before kindergarten). I've been happy w/the pre-k offered in Sch'dy, all of my kids were well prepared for school. There is a medicaid program as well as Child Health Plus, Family Health Plus, Healthy NY. As far as real estate, I'm sure you could find a job, I have a few friends that are agents. Feel free to message me if you have any other questions about Schenectady. I'll try and keep looking for better neighborhoods.

Schenectady
Section 8 Welcome - Up & Down - Interesting Floorplan (http://albany.craigslist.org/apa/2501842493.html - broken link)
Spacious 3 Bd Near Union College (http://albany.craigslist.org/apa/2506948484.html - broken link)

Guilderland - I know you didn't mention this town, but it's a safe option.
GUILDERLAND-2&3 Bedrooms! (http://albany.craigslist.org/apa/2513781752.html - broken link)
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Old 07-29-2011, 09:17 PM
 
267 posts, read 890,616 times
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Here's a few more:
2 bedroom apartment (http://albany.craigslist.org/apa/2517980890.html - broken link)
NICE APARTMENT - WON'T LAST! (http://albany.craigslist.org/apa/2512914749.html - broken link)
For Rent (http://albany.craigslist.org/apa/2517804213.html - broken link) Scotia is a cute town
3 bedroom home available (http://albany.craigslist.org/apa/2496101311.html - broken link)
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Old 07-29-2011, 09:46 PM
 
24 posts, read 100,616 times
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So congrats on your planned move. One big similarity between LA and NY is the dysfunctional government! And not so much the weather...you'll be going from one extreme to another.

2. Is $30,000 a year (after taxes) salary enough to live in this area of New York? Or any area of New York?

Yes, I think so. It may be a bit tough for three people. I'm not sure where you live in LA, but I used to live in NOLA and costs are pretty similar, I'd say. That said, I think it's higher than the national average.

3. My little boy has Medicaid in Louisiana which pays for most of his doctors visits and medicine. Is there a medicaid program up there and how difficult would it be to enroll my son coming from out of state? If you're familiar with the program, how does it differ from the Medicaid program in Louisiana.

Yay! Health insurance is my favorite topic! Glad you asked. So, LA has a really great Medicaid program, but so does NY. They are pretty similar in a lot of respects, in that they both really focus on the family's needs and are models for other states. So, if you're happy with LaCHIP, you will like Child Health Plus. Kids in NY up to 400% of the poverty level are eligible for Child Health Plus. This program is run by the NYS Department of Health -- New York State Department of Health. There is eligibility info on that site, but if you have other questions about health insurance in NY in general, private message me. Child Health Plus is either free or has small premiums depending on income. It's run by different companies in a managed care environment. CDPHP, a local insurer in Albany, offers it, as do other companies. The benefits are the same regardless of which company you choose. There are also people who will help you enroll. Once you are enrolled, I believe that the enrollment is good for a year. The actual enrollment process might be a bit more cumbersome in NY as their computer systems aren't as good as in LA, but once you're in, the benefits are great.

There is also Medicaid for adults, called Family Health Plus. For a family of three, you can make up to $27,795 a year. But if you're unemployed because you have just moved, I think you and your husband might be eligible. It's run similarly to Child Health Plus.

Healthy NY is for people who don't qualify for Family Health Plus. If your child is in Child Health Plus and you are looking at Healthy NY, you should keep your child in Child Health Plus, as the benefits are better and the cost is cheaper. Financially, you would qualify for Healthy NY. Either you or your husband would need to have been employed at some time within the past 12 months to qualify, but out of state employment is OK. You would need to show some recent paystubs. Healthy NY is comparatively expensive, though. It's about $400-500 a month for two people. They also offer a high deductible option that lessens costs. It's run by the Insurance Department. The website is Healthy NY: Welcome to Healthy NY (Home Page - English). Healthy NY is offered by local HMOs. The benefits are all the same regardless of which HMO you choose, but the provider networks are different.

NY and Albany County also offer a drug discount card, and you can get info on that at the Albany County website.

If you're interested in seeing what you might qualify for, including other benefits, NY has a website called MyBenefits at www.mybenefits.ny.gov. You just answer some hypothetical questions and it spits out a list of things.

4. What internet and cable companies are in those areas?

It's pretty much all Time Warner. There is also Verizon FiOS that's available in some areas.

5. Also, I am thinking of studying real estate once we get up there. Do you think I would be able to do well as a real estate sales agent or even find a real estate agent job in the Albany area?

The housing market in Albany has slowed somewhat. It didn't suffer the hits that larger cities did, largely because so many people in Albany work for state government. But, with state layoffs and a budget crisis, the housing market is stagnating and has dropped. Some of the major companies in Albany are Prudential Manor, Re/Max, Keller Williams, Weichert, and RealtyUSA. Some of the smaller ones are TechValley Homes and CM Fox. There are some agents who do a really good job. Most of them find a niche location that they focus on.
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Old 07-29-2011, 10:00 PM
 
Location: Albany, NY
335 posts, read 760,661 times
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$30,000 would be tight. It depends how frugally you are used to living. Remember, heating costs are a lot higher here. I have seen it recommended that people moving from warm climates get a place with utilities included, at least at first, because you really don't know how cold it can get here! (Although many places don't have any AC, so summer costs are lower.) I have several relatives in Louisiana (NOLA & Baton Rouge), and I would say the Medicaid coverage for kids is a lot better up here. NYS really wants to make sure kids get their preventative care. However, I don't have any idea about how hard it would be to enroll right away after moving in from out of state.

Like Schenectady, Albany also has free pre-K. Every 4 year old living in the District is guaranteed a spot, although not necessarily in their neighborhood school. Kindergartners on up ARE guaranteed spots in their neighborhood schools.
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Old 07-30-2011, 08:17 AM
 
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Thanks everyone this is very helpful. What are the best managed apartments in Albany, Schenectady or Troy, or around them? A 2+ bedroom for under $800? Also, what neighborhoods and streets should I avoid while apartment hunting? Thanks so much!
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Old 07-30-2011, 08:27 AM
 
Location: Albany, NY
335 posts, read 760,661 times
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Thanks, NanciDru! This is great info for everyone about health insurance!
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Old 07-30-2011, 10:39 AM
 
Location: Saratoga Springs and Copake Lake.
263 posts, read 569,910 times
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Real estate is not the kind of job that provides steady income, in fact, its slim pickings right now, I would concentrate on a Health related field, from billing specialist to asst Nurse or whatever, you would find a Job.

Your husband has a job here already? that is a plus.
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Old 07-30-2011, 11:03 AM
 
Location: Asheville
7,558 posts, read 6,410,955 times
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another area to consider is across the river in Rensselaer
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Old 10-03-2011, 08:26 AM
 
233 posts, read 250,569 times
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Hey lelnadsmama,
I was just wondering if you have relocated yet, and if you chose the Albany region?
If so, what you thought of it so far, and if you did not move to Albany, I was wondering why?

It's always great to hear what actually happened in these threads.
Thanks!
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