"Hello, my name is Jessica, I am 25 now and will be finishing school now..
Couple questions about student loans and credit.
So, do they affect the credit score?
I don't have any job right now, and I am constantly looking, how much time will I have to start paying them off?
I will have around $40,000 total of debt and just want to see how it will affect my credit because I plan on buying a home in the next 3 years.
Do student loans will hurt my credit?
Will I need to hire a a <a href="https://raiseupcreditrepair.com/credit-repair-san-antonio.html">credit repair company</a> so I have a score of 700 at least?
Lets say I find a job at 80k, how much should I pay them off?
Not sure what the interest is.
Anyway, thanks! and I hope I am in the right category!"
Any suggestions would be greatly appreciated. My apartment that I own had 3 leaks last year that were fixed with just plaster and paint. I developed joint paint and it has been getting worse so I saw a doctor that tested me for mold biotixion illness and it seems positive. I had an ERMI test done that showed that I have 2 strains of mold related to water damage. I now have a ceiling that has bubbles again and asked the building to bring in an expert in mold and pay for it to take care of the issue. I was told by buidling management company to have my attorney contact them. Can someone suggest what i can do without spending money on an attorney as I have pictures of the ceiling now and results from the ERMI home test plus a note from my doctor.
I called 311 but was told that if I own the apartment, they won't get involved.
Any suggestions would be greatly appreciated.
I live in a 4 building cooperative that allows for wheelchair access through the basement only. The lobby of the building has 2 steps leading to the front door, and then 5 additional steps leading to the elevators. The lobby is fundamentally inaccessible to anyone with any type of physical handicap or limitation. For years, the management company has locked the basement and hence restricted accessible building entry and exit between the hours of 9:00 PM and 8:00 AM. The management company insists that the elevator is locked from entering the basement between these hours for the safety of the residents. A number of tenants, however, require building exit and entrance between the hours of 9:00 PM and 8:00 AM, but are currently trapped in their apartments during these hours.
I have requested that this policy be revisited and revised or outright eliminated, but the management company has been uncooperative. I contacted the NYC Commission on Human Rights, and they have confirmed that disabled tenants and shareholders do have a means of recourse here and that they are willing to allocate their legal services to this cause. My understanding is that the Commission generally requires extensive costly building upgrades in response to these types of complaints.
As a shareholder, I am reluctant to pursue this route because I do not want to be responsible for the cooperative needlessly incurring this cost.
Are there any other means of requiring the management company to make the basement/ramp accessible at all times? Is this an issue of building common space use guaranteed in our proprietary lease?
I requested a copy of the shareholders list recently and noticed a lot of the names were missing. As a former board member I thought it was odd that it was altered and not up to date. I was told by my property manager shareholders requested their names to be omitted. I know that not to be true as I was the only one to request it. I was thinking to run again for the board to try to protect our investments. Unfortunately shareholders here do not know their rights or what they are entitled to. Our board members never seen a master list or the parking list to understand the proper running of a corporation. While on the board we only received a financial report when it was time to do the budget. Please advise and thank you for your time.> Join the conversation Comments (1)
Does anybody know what this means? Thank you.
Section 4 : Executors
...I direct my executor to take all actions legally permissable to have the probate of my will done as simply and as free of court supervision as possible under the laws of the state having jurisdiction over this will, including filing a petition in the appropriate court for the independent administration of my estate
Our pre-war building is moving forward with complete replacement of elevators (cabs, rails, motors etc.) It's a 6 story building. The project is expected to take 8-10 weeks. We have many tenants who have mobility issues (wheelchairs etc.)
We do not have a service elevator. The building has two wings with one elevator servicing each wing. We are considering constructing a covered rooftop walkway so that residents can take the elevator on one side, cross the roof and then take the stairs down to floors 6, 5, 4, 3. We've looked into motorized chair lifts on the stairways but were told this involves increased liability for potential falls. We are very concerned about people being stuck in their apartments or having to leave their apartments for the duration of the project. Any and all suggestions for how to address this problem are greatly appreciated!
Do any co-op board members or building managers for small (~36 apt) co-ops in NYC (Manhattan) have advice on package offers for a live-in superintendent?
The RAB guidelines have a lot of detail around non-superintendent position salaries and benefits but little specific to supers - perhaps because they are not always live-in positions? There also seems to be phasing-in of salaries for new to union employees (e.g. 80% of full salary for first 30 months) but I am unclear on whether this is applicable to super positions too.
Any advice or additional resources to look into would be greatly appreciated.
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