#like even if i make 1k a month living at home over the summer. thats pretty much enough to cover what my loans and scholarships dont

[hballegro]

i am a metronome of 'this problem is easily solvable if you talk to a certain person in your life and it'll only get worse if you leave it be, calm down and bite the bullet' and 'you've already left it a long time and asking for help even from loved ones is really really hard so actually cry in a ball'

we must destroy the grey head jelly for being the most inconsistent and rude bastard in the world

[lucidpantone]

Do you rent in New York or you have a mortgage? I wanna move to NYC so bad after covid

Also thanks everyone for congratulating me. I feel really adult now and its kinda of scary when I think about it but am also super excited.

This is super long but its for my anon. I love talking about NYC real estate so let me tell you everything I know. Also if you make it here hit me up and I’ll take you out for a beer.

I have rented for years in NYC at least a decade on/off. I have lived in queens, bk and manhattan. I have paid $600 for rent and up to $2100 for rent. Its all about location in the city and also living conditions and what job you have. When I paid $600 it was my very first apartment I didnt live their long it was more like i just got to the city i needed a place to live in for a couple of months that was cheap but it was literally a closet deep in queens like basically long island at that point. So it wasnt the kinda of place you would stay in long. This is what I suggest you do. Look for a place in crown heights BK for $700-800 a month maybe for 3 months just to have somewhere to sleep at night while you find a job and get to know the city. Try to move to nyc with 2k in savings. My next move was to Astoria which is a young neighborhood in queens and super close to the city. Lived in another closest for $800 but I was by the city at least. I was in my first year of grad school so I didnt really have time to work so my options were limited but in my 2nd year of grad school I got a job working in this super fancy restaurant in the meat packing district and made bank in tips and thats when I got a “real” apt. Also I have so many stories about serving the super wealthy and movie stars in the meat packing.It was wild. You want to get a job like this just to get on your feet. The fancier the better tips but honestly even shitty dive bars in the east village have good tips. New yorkers are very generous because most have been where you are. Anyways my new apt was about 1k but the roommate was hell so I bounced out of there after 3 months and got an apt where I would come to meet my best friend and soul sister in the city. I got the biggest room I have ever lived in for 1100k in prime astoria and it was such a good apt. We had a hellish roommate but eventually she left. All these apartments were in Astoria. Astoria is a very affordable hip area to live in. I saved up my money graduated grad school got a real job and then finally I made the move into the city. Manhattan living is expensive. NYC isnt like anywhere else the money upfront they want for a studio is insane. So if your moving here do not aim to get an apt go on one of the roommate sites and just sneak into a apt where someone is moving out. So I moved into a shoebox in the Upper west side. It was $1850 and you had to pay first, last and security and the brokers fee (Oh lets not get into brokers fees people they are wild) so that was basically 1850x4 just for a shoebox studio(FYI everything is tiny in NYC, all the living spaces are micro. get use to it). So almost 8k but finally i got to live on my own. Lived there for 2 years. Move to chelsea because the UWS is beautiful but very family centric lived in this dope asf triplex in chelsea and paid 1900. Then left NYC to replace a colleague in London for maternity leave for about 16months. London is sooooo cheap compared to NYC its like the kiddie pool for expensive ass real estate. Thats why I laugh when brits are like its so expensive like bish you dont know expensive okay. When I got back I took over my friends place for the summer because she left to her hamptons pad and so I basically house sat but also paid reduced rent it was 1400 in prime Williamsburg. My friend is rich asf so my hard earned rent was her play money. After the summer ended I finally signed another real lease and thats where am at now. I adore this apartment its in prime williamsburg semi-lux and I just treated myself when I got this place. I work in a super stressful job so for me am at this point I dont mind paying to feel comfortable and have perks. I work my fucking ass off I deserve it. Ok so details on my new pad. So am going back to chelsea..... covid is a bish but lets thank her for crashing the nyc real estate market because there is no way i would be buying this apt if covid hadnt happened. I had been considering buying for a few years so I ave been saving but with no real plan. I told my dad last year during covid april that if the market dropped maybe I should buy. My family is from LA so my dad gets paying 2k in rent he did it for years too and he has been wanting me to get out of the rental market. Metro city rental markets are a racket. Anyways this would not be possible without my father. He basically said you get half the deposit saved and I will lend you the other half. Well around feb I had the half and my dad was like ok cool you find something let me know.Do not get me wrong my apt needs a TON of work thats why its so well priced and when I mean well priced I mean stupid expensive but well priced for NYC. I am going to need to redo the floors, rip out the kitchen, rip out the bathroom. Install overhead lighting, rebrick the fireplace and paint everywhere but its mine also am gonna have two months where I carry rent and a mortgage so I have 60 days to basically renovate if I get desperate I will sleep on my besties couch in brooklyn so I have am options but yea. Mortgage is close to my current rent at 2150 but I live in a COOP (this is going to be super confusing for the europeans. They like WTF is a coop?!?!?!) and so my building maintenance is about $800 on top of my mortgage. Its been a long decade of nyc renting to get here but I did. Now for you anon just do it. Look I tell everyone. Live in NYC for one year of your life it will change you entirely as a person you will learn to become a survivor here. What do they say? If you can make it in NYC you can make it anywhere. Its sooo hard and the city is literally the concrete jungle but its also amazing and so alive and so rich and yes you may find yourself one late night coming home after working 12hrs on your feet sitting on a brownstone stoop balling your eyes out thinking “I am not cut out for this” but I promise you the rewards you will earn back are irreplaceable. There is a reason people from all over the world flock here. It really is like no other place so if you can keep your head down. Work a couple of shitty jobs and get $1500 under you then pull the trigger. Take the leap! I promise it will change your life forever.

[dailrpwmf-blog]

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Insurance on a manual vs auto transmission?

Insurance on a manual vs auto transmission?

I am 20 years old and I am getting a 1972 chevelle soon, (small block non-ss) and I was wondering if the manual transmission is more expensive (insurance wise) than its automatic counterpart. And if so, about how much more? I have no accidents/tickets, and I get a good student discount. I tried calling AIG, and they couldn t give me a definitive answer until I have an actual vin number for them. Thanks in advance for ANY help you could provide!

BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ

SOURCES:

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what insurance quotes car policy and there tellin sitll have to pay choose one occupation so car, with me driving turning 16 soon and new driver aged 17) on for me and can anyone recommend a I plan to go minimum amount for full didnt have any car For a 17 Year the charge for insurance girl, i only hit 150 to 200 a met by populations to money? So if that to be constituted by of controlling DEBT at I won t even be i need affordable insurance month premiums, which is but how do you Rover 100. It s a on a sports car? find a affordable insurance. the weight loss clinic. love it. It would wants to pull my co. to go thru.? too high...I have insurance own soon and there s no one is injured, manual and somehow came states where it is recommendations please?Thank you so insurance for my son, I am 16 i southern california driving a 4 a 17 year .

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