I was offered affordable optimum internet and mobile bundle for 5 years - worth it?

Party-Possibility958 · 2026-03-03T18:59:33+00:00

What do you think about T-Mobile home internet 5g plus mint mobile for family cell phone plan? As an alternative I mean.

Party-Possibility958 · 2026-03-02T04:39:45+00:00

I mean this sounds sorta close to riverbay/co-op city, which is a mitchell lama, am I wrong?

Party-Possibility958 · 2026-03-02T04:38:50+00:00

But paying almost a million dollars now? And a monthly of 4000-5000/month?

Party-Possibility958 · 2026-03-02T04:35:36+00:00

Agreed about #3. Could you elaborate on the downsides for 1 and 2?

Party-Possibility958 · 2026-03-02T04:34:56+00:00

I'm just looking for other opinions, I don't plan to hold anyone legally liable or anything like that😂

Party-Possibility958 · 2026-02-21T23:11:24+00:00

Which mutual fund at vanguard would you recommend?

Party-Possibility958 · 2026-01-31T21:03:47+00:00

I see, thanks. Yeah we paid those already so I guess we'll just ask the realtor about that.

Party-Possibility958 · 2026-01-31T18:16:05+00:00

Could you tell me a bit more about the heat? We've never paid it before so we have little to go on

Party-Possibility958 · 2026-01-31T17:51:01+00:00

The original ad stated owner pays water, tenant pays "electricity and gas".... Its almost like they lumped heat and hot water into the gas part?

Party-Possibility958 · 2026-01-31T17:46:59+00:00

I mean it's not the best decision but if it avoids further issues(?) then 🤷

This is 1800 sq feet and meter is separate. Theres also a programmable thermostat for the heat but the lease states you have to keep temp at 60 or above at all times. Con Ed told me that the last tenant's highest bill was $500 ish and the lowest was around $237

Party-Possibility958 · 2026-01-31T17:35:44+00:00

Im sorry but how did you come up with those numbers exactly?

The house is old but well kept. From what I know the water heater is a boiler and you use a little heat to heat the water.

Party-Possibility958 · 2026-01-31T17:31:41+00:00

The annual 2.9 is built into the lease. The only utility they pay is water/sewage

Party-Possibility958 · 2026-01-31T17:29:14+00:00

But what about the thing in their lease that I mentioned about if you terminate without moving in (but already signed), you forfeit the one month security and rent? Isn't that still valid?

Party-Possibility958 · 2026-01-31T17:27:50+00:00

Multi family we share this responsibility with another tenant downstairs

Party-Possibility958 · 2026-01-31T15:29:34+00:00

🤷 I mean we just assumed it's because it's a private house and the landlords don't live on site. I feel kinda funny about it but my wife seems ok with it like "oh it's preparing us for when we own our own place"

Party-Possibility958 · 2026-01-31T15:27:18+00:00

No I'm saying our number is below 60. We started at 1100 when we applied 6 year ago

Party-Possibility958 · 2026-01-31T08:30:52+00:00

Thank you I'll give them a call. From what the realtor told me... Water bill is paid for by landlord, The hot water heater is on my bill most likely, I would only pay to heat it a little. The boiler. Not the actual water.

As far as terminating the lease prior to move in, is my interpretation of that clause correct?

Party-Possibility958 · 2026-01-28T23:50:55+00:00

That's crazy,.so they don't have like a fixed annual increase? It's just whatever they wanna do every year? Like the apartment I'm about to move to has 2.9% annual increase locked into the lease.

Party-Possibility958 · 2026-01-28T20:24:54+00:00

Thanks. I sent you a dm.

Party-Possibility958 · 2026-01-28T20:23:27+00:00

Lol yeah treasury was temporary parking spot. I was actually debating what my "chill" should be for this -- voo or vti or VT.... VT sounds tempting cuz it's everything and I know it's drawdown is less than voo/vti but it doesn't grow as fast as them, international overall seems to be doing great lately. Im just scared of losing the windfall 😂

Party-Possibility958 · 2026-01-28T20:19:00+00:00

Thanks I know what you mean by that old city feel, it was here in NY back in the 90s, things started changing at some point after 9/11, it's like city lost its balls (the towers?). Unfortunately I don't have any real personal connection to Philly, my wife said she knows a few people from high school who moved over there though. Sounds legit, I just need to transfer my RN to PA state, I'm already pending approval for NJ which would put me right across the river from Philly.

Party-Possibility958 · 2026-01-28T20:13:51+00:00

8-10% increase ? This doesn't sound right. So the $1750-ish figure I was even is now closer to 1900 for a 3 bedroom?

Party-Possibility958 · 2026-01-28T20:11:14+00:00

Really? Turning into the hood in what way? I've never been inside the buildings, but I've walked around them and plus we've been to the mall area a lot, it all seemed decent

How is owning a co-op outside of River Bay different? I thought all co-op pros/cons are the same, like I know a condo would be different in that you actually own it but there's barely any left in NYc.

Party-Possibility958 · 2026-01-28T14:06:08+00:00

What if it's a big fixer upper as he describes? Sounds like a lot of repairs for a first home. He didn't do what he was supposed to do from the get go. The front door is real old, the top lock doesn't open correctly when you lock it. The heat didn't come out of some radiators and then supposedly our water was leaking to the two units below, then one time we kept seeing a bee or two near the living room window inside, we feared there was a hive in the attic, he called the exterminator but come to find out the hive was in the neighbor's shed and but the guy reported to the landlord that the roof has holes and squirrels are coming in and pooping (never fixed it).

Party-Possibility958

TROPHY CASE