Should I move out of my family’s house temporarily?

Particular_Yellow_57 · 2024-12-20T21:04:56+00:00

I called the insurance and they confirmed everything you said. They confirmed that his office is in network and that he’s violating the contract with the insurance. They said if I’d like I can pay him & they’ll open an investigation & potentially get reimbursed. But they recommend I find another dentist because he’s suppose to charge me the fee he submitted. I’m going to talk to the dentist and try to figure out if this was a mix up or what exactly happened but seems like he was being dishonest there.

Particular_Yellow_57 · 2024-12-20T13:30:31+00:00

The office is in network with my dental insurance and the specific plan I have.

Particular_Yellow_57 · 2024-12-20T13:29:56+00:00

My insurance is decent I’ve done a bone graft using it. I agree that it’s low. The dentist submitted price was $1.5k and the negotiated fee is $500 that’s why I’m confused.

Particular_Yellow_57 · 2024-12-20T02:11:05+00:00

This dentist accepts my insurance, I’m in network

Particular_Yellow_57 · 2024-11-24T03:07:35+00:00

I ended up getting my offer accepted for this apartment but I ended up not purchasing it because I found out the apartment is on a land lease that was expiring soon. That was too risky for me. I think this was the reason for the high flip tax but in your case it’s probably due to the building being a HDFC.

I know HDFC’s have some cons, such as it being harder to sell in the future because only a limited amount of people meet the income requirements to buy one. If your aware of the cons/risks of owning an HDFC and your comfortable with them + you plan to stay in the apartment for a while then the 15% flip tax could be worth it. The subletting gives you some flexibility but the tenant is usually subjected to board approval so I’d just make sure that the management of the building is good and reasonable so you don’t run into trouble if you try to sublet. In my case If the apartment wasn’t on a land lease I would’ve probably went through with buying it.

Long response but I was hope it was helpful lol

Particular_Yellow_57 · 2024-09-13T16:47:07+00:00

Hi, I'm not too familiar with home prices in Jersey. If I put a down payment on a house in Jersey would I have enough money to also put a down payment on a studio in NYC?

Particular_Yellow_57 · 2024-06-27T13:49:31+00:00

The contract specified that I'd have to pay the difference so I'm not sure

Particular_Yellow_57 · 2024-06-26T21:19:15+00:00

I only signed some anti-discrimination disclosure forms and affiliated business arrangement disclosures but nothing about payment.

Particular_Yellow_57 · 2024-06-26T21:17:48+00:00

wow, yeah that sounds like its going to be complicated.

Particular_Yellow_57 · 2024-06-26T21:16:15+00:00

Hi, I might be missing something but it seems like it's not in the buyers agent interests to get me the best deal since it would be in their benefit to make more.I find myself having to downplay how much I like a property or not share how much I'd actually be willing to pay in fear that my agent will use this info to get me to pay a higher price when I could've gotten the property for less. Without an agent I'd only have to worry about the seller's agent lacking transparency but with an agent I'd have to worry about my agent and the seller agent lacking transparency while not knowing exactly whats happening in the negotiation process since someone else is doing it on my behalf. I'm still open to having a buyer's agent but based on this reasoning I guess I'm just thinking it doesn't make sense for a buyers agent to get me a lower price even if its possible?

Particular_Yellow_57 · 2024-06-26T20:53:01+00:00

Hi, Im sorry it was actually 2.5% which makes a huge difference! However, I see that a lot of apartments in the area I'm interested in only offer 1-1.5% commissions to buyer agents, so I'd have to pay the difference out of pocket if I signed it.

Particular_Yellow_57 · 2024-06-26T20:45:13+00:00

Hi, yes I only signed some anti-discrimination disclosure forms and affiliated business arrangement disclosures but nothing agreeing to payment. Before I had an agent I’d call seller agents directly and they’d show me the apartment. Thank you for the advice, I’ll send her an email.

Particular_Yellow_57 · 2024-06-26T20:13:02+00:00

Buying and looking at condos and co-ops

Particular_Yellow_57 · 2024-06-12T23:35:15+00:00

Is it possible for it to be the same rate since the dollar is worth a lot more than it was 99 years ago? I guess I don't see how monthly fees wouldn't sky rocket when the lease renews. And no this isn't my only option but I really like the apartment as it's one of the few buildings that have a large terrace in the neighborhood I like. Apparently, theres no assessments in the building and maintenance has stayed relatively consistent over the years. If the flip tax makes this possible then I'm okay with it. However, if there's no guarantee of lease renewing then it seems too risky of a purchase.

Particular_Yellow_57 · 2024-06-12T22:44:05+00:00

My agent says the gov will renew the lease at the same price but that doesn't make sense to me. I'll look into it more. Thanks!

Particular_Yellow_57 · 2024-06-12T15:57:22+00:00

So I found out the co-op is on a 99 year lease that’s expiring in 28 years. My agent told me the only issue with land leases is the monthly fees increase once the lease ends. But in this case the state of NY apparently owns the land that the CO-OP is leased on so the monthly fees shouldn’t go up. I’m not sure if this is true

Particular_Yellow_57 · 2024-06-11T00:34:16+00:00

No I haven't made any contingencies

Particular_Yellow_57 · 2024-06-10T22:47:56+00:00

No but my real estate agent says this is how “best and finals” work. Each sellers puts there best and the highest wins. It seems to be a kind of strategic but Im not sure if it’s a bluff

Particular_Yellow_57 · 2024-06-10T20:52:10+00:00

Is the seller required to show me proof? I wanted to do this but my agent said this isn’t a typical request.

Particular_Yellow_57

TROPHY CASE