from Reddit /nyc https://www.reddit.com/r/nyc/comments/kmf95u/advice_for_landlords_during_covid/ Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day. First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job. It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity. Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money. So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates. SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry. If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible. Good luck, you got this!
from Reddit /nyc https://www.reddit.com/r/nyc/comments/kmf95u/advice_for_landlords_during_covid/ Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day. First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job. It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity. Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money. So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates. SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry. If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible. Good luck, you got this!
from Reddit /nyc https://www.reddit.com/r/nyc/comments/kmf95u/advice_for_landlords_during_covid/ Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day. First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job. It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity. Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money. So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates. SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry. If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible. Good luck, you got this!
aprilween 发表于 2021-01-11 21:52
you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. $15-20税后能有3千，如果20刀一小时，一周工作40个小时一个月税前3200刀，要是一个月拿到手3000刀，一周工作六天，每天十个小时，然后再去超市打第二份工？
from Reddit /nyc https://www.reddit.com/r/nyc/comments/kmf95u/advice_for_landlords_during_covid/ Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day. First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job. It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity. Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money. So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates. SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry. If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible. Good luck, you got this!
研究历史，社会贫富差距巨大、矛盾突出时，会牺牲中上产劫富济贫。案例：1949年之前大陆经济崩溃时；前苏变色时。 原因：底层民众没吃没喝没住时要造反必须安抚，顶层拥有话语权无法撼动其利益，只能动中上产。很多人心中中产阶层划分范围太广，年收5万到50万都划进中产，其实是不合理的。 其实大概5-15万之间。华人上大部分已经不属于中产了。 In 2018, the national middle-income range was about $48,500 to $145,500 annually for a household of three. Lower-income households had incomes less than $48,500 and upper-income households had incomes greater than $145,500 (incomes in 2018 dollars).
研究历史，社会贫富差距巨大、矛盾突出时，会牺牲中上产劫富济贫。案例：1949年之前大陆经济崩溃时；前苏变色时。 原因：底层民众没吃没喝没住时要造反必须安抚，顶层拥有话语权无法撼动其利益，只能动中上产。很多人心中中产阶层划分范围太广，年收5万到50万都划进中产，其实是不合理的。 其实大概5-15万之间。华人上大部分已经不属于中产了。 In 2018, the national middle-income range was about $48,500 to $145,500 annually for a household of three. Lower-income households had incomes less than $48,500 and upper-income households had incomes greater than $145,500 (incomes in 2018 dollars). chengbuyi 发表于 2021-01-12 08:40
🔥 最新回帖
我觉得不可以
幼稚的认为如果能影响他们信用分数还公平一点点，这样他们以后买房子贷款也很难
哦明白，谢谢。其实很不公平啊，不影响信用分数他们就可以白嫖以后，也不影响自己买房子
你家的鸡都要饿死了， 你这时候不撒点米救救它， 等饿死了谁去下蛋呢？
说的好像这些租霸是交税主力一样，哈哈哈哈哈哈。交税的都是我们这种老老实实上班的中产好吗?要撒米tax big techs啊，亚马逊这么多年一毛税都不交合理吗？那么多富人洗黑钱，怎么不敢给他们加税?要打土豪也拜托打真的土豪。什么叫蝇头小利?是不是没让你把房子送给租霸你就要跪下来谢恩了?在国那一套可省省吧，还有我不是房东，我宁可把钱都扔股市也不想去招惹这些烂人臭虾
🛋️ 沙发板凳
后面就是杀富济贫，否则怎么解决社会问题？ 要么卖房子，要么继续
房东可以接着无理由forbearance 吗？
啊。。。 怎么eliminate? 跟三番一样抽签上学，而不是按地区划分？
Here's how landlords can stay afloat. Let's say you owe 5k a month on a mortgage payment for a modest building. You should only be renting out modest, smaller buildings if that's all you can afford if SHTF. Always prepare for that rainy day. First, get two jobs -- one at a supermarket and the other one at a hospital. Lots of hospitals pay pretty well, you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes. You're taking another $2-3k from your supermarket job. It's probably smart, in the interest of frugality, for you to move out of your current dwelling and move into one of your vacant units -- voila, your housing needs are taken care of. Then, get a burner phone that you can top up. That eliminates your $40-60 phone bill right off the bat. Cancel any cable subscriptions, Netflix, Disney Plus, etc, basically anything that is not a necessity. You're going to need wifi to do business, so make sure that's the only utility you're paying for outside of heat, water and electricity. Start making food at home and stop eating out. I can't stress this enough -- you can't afford fancy coffee and gourmet food right now. You're on that Ramen diet. Produce is cheaper than frozen TV dinners, and there are plenty of recipes online for cheap, nutritious food. Always eat your veggies! Also, no dates right now. No outings with your friends. These are your lean years and you have to be responsible with your money. So, let's say you have about $6k from your two jobs at the end of the month. 5k of that goes toward the mortgage right off the bat. That leaves you with another $1k that you can pay your rent with. Find a unit that goes for about $600 a month. If you can't, it's time to start thinking about roommates. SO, you're left with maybe $400/month. That's more than enough to afford groceries, or even to go out with your new roommates once every two weeks or so. It's still relatively nice out, so you could always meet up with your buddies, pregame at home and then go do something for free like ride the Staten Island Ferry. If you're responsible, and if you're smart, you'll be able to make it out of this unscathed. We all know you can do it, because by virtue of being a landlord you're inherently responsible. Good luck, you got this!
那如果房东是贷款买的房子， 也可以暂停支付贷款吗？
很简单啊，本来你花了大价钱买了学区房，但纽约市随意报名，由于你的学校好，很多人愿意报名，即使不在zone里面，那时的挑选学生规则就是随机挑选。买学区房的人也许会分配到差学校去。 总而言之，学区房白白投资了
该哭的房东，大部分本来就是不懂规矩瞎搞，或者原来就是非法出租
哑巴吃黄连。
号召全体纽约房东不做房东来抵制
为啥不杀big tech，那要是杀一个AMAZON，估计整个纽约都脱贫了😄😄😄
人家亚麻可是就业大户 每个州都抢着要 想什么呢
最近四年中产起来了，威胁到了big tech的江湖地位，联合民主党搞共产主义。表面是共产，其实是拉大贫富分化。让美国只有两个阶级：穷人和富人。
可以啊，你试试呗
因为big tech 是你说的伪君子的背后主人。他们不想任何人来分自己的羹。中产强大起来之后就是和他们竞争的开始。为了保护自己的垄断地方，绝对不会给其它中产任何机会的。当然主要目标是中小公司。靠W2 的只是无辜被牺牲的。
囤一堆房子靠钱生钱，那不叫中产，你那是投资，你坐地收钱的时候没有想过投资都是有风险的吗？
好好读书。 mark twin说过， 法律就是一张蜘蛛网， 大的飞鸟就冲过去了，网住的就是小昆虫。
amazon就是可以超越法律的大鸟， 你敢咋样？
就是啊 股民也没说天天一跌哭 房东难做就别做了呗
等到eviction结束大戏才开始。。。目前还不清楚如何来解决几十万人都被evict的情况。。。不知道会不会又是一场shit show。。。
小房子才有升值潜力。大房子都是money pit
几十万人变成流浪汉，民主党又宣布流浪汉占领空置屋完全合法。
Exactly!
我朋友幸运，去年开始不租了。
你这比喻不对。 好比我投资一家店，行情差没人来买东西我亏本这叫生意有赚有赔。行情差所以穷人堂而皇之地来我店里随便拿一毛不用付这叫抢劫，而政府现在就是在包庇这种举动。 出租房同理，我房子租不出去，白白交贷款这叫投资失败。房子被厚颜无耻的人霸占着这叫偷，当然在美国这叫合法
有个问，申请到的房租政府直接给房东？给租客的话，不怕挪作他用了？
而且我去年还看了个100万左右的房子，listed 3个多月都没卖掉。去看了才知道租客还住在后院，而且租约要到今年2月末才到期。到期了人家想接着白住房东也没办法驱逐，那这房子谁要买啊……
NYC里有学区房吗？
我不知道你是不是反讽但是上东上西的几所小学以前是不错的。上西17年就改革了，白痴豪要动更大的蛋糕
你再想想，房子空着你收不到租金，他“霸占”着你也收不到租金，有啥区别？他又没有拿你的钱。
这些天我也考慮到這個狀況。最黑暗的時候還未到来，作為韭菜，大家要怎麼应对。在nextdoor 上，感恩節時见到有人家里沒有节日食物，去foodbank 太迟拿不到免費食物，希望大家有多啲分一些。夫妻兩人一同失业，房租2600刀一個月。
哪有？还没选举呢，明年的这个时候才滚
早就发现了，只有大资本有自由，只有大资本家的财产，才是真正的不可侵犯
投的好。求仁得仁 加州出身的贺锦丽还可以向全国推行950美元条款 将来无产者不但有免费的房子住，还可以拿着计算器去商店白拿950美元的货物
you can make $15-20 an hour at entry-level in NYC. So, $15-20 you're taking home about $3k a month after taxes.
$15-20税后能有3千，如果20刀一小时，一周工作40个小时一个月税前3200刀，要是一个月拿到手3000刀，一周工作六天，每天十个小时，然后再去超市打第二份工？
地主都是中产，中产最不会搞事，这种时候割你没商量
这强盗逻辑，服了！
当然先紧着自己享用，过爽了再倒腾投资房，对自住房来说，时间和生活质量都是比钱更高的成本。
Congratulations, you get what you voted for
另外民主党上台也是政治风险的一部分，就如同军工，药业等，都有政治风险。要投资就一定要有风险意识。
ughhhh 不知道你有沒有看懂，這個帖子是反諷！諷刺那謝Reddit上面寫給窮人看得建議，還有諷刺地主不值得同情。
早就有這種東西了，你只要short一些residential REIT就好了。
你这个首先不是直接impact你的business，这种correlation式的hedge对于一般business owner太复杂，根本无法控制。也很难有历史数据来计算某个market index/REIT和你自己出租房之间的correlation。否则CDS也就不会存在了。
其实这可能更像保险。
呵呵呵呵呵呵呵呵 大家看得一笑就好
您真搞笑。 第一次听说中国1949年前政权财富工厂土地是中上产的。
那你为什么不选择租老美的房子呢，游过来的？
如果没有推行请直播吃屎。
政府补贴的房租是直接给房东的
打地主分田地这招屡试不爽
20年，投股市不香吗？
You don't.
You get what most other people voted for.
这句话学到了，好有道理。想起了中国，稍微有些特色，不是为了故意抹黑。国内有句话叫法不责众，尤其对于些轻罪，比如高速哄抢，去人家田里抢，只要人多就法律就不管了，看来只要虫子够多也不怕
其实买房投资还是要买稍微好一点的房子，租给有decent工作的人。好区好房子贵投资回报差，可风险也小，那些工作好的人也不会赖房租。差房子可以买好几套，也许现金流更合适，升值空间更大，但麻烦，遇到坏租客可能性大。
投资房占用社会资源，就是囤积居奇，人为炒高房价，如果没有投资房，房价跌，更多的后来人本来可以买房自住的，所以政府管控房产，危机时候实施措施，都是可以预期的，这跟你买个电视不一样，电视永远是你的，但美国国土上占着一个房子其实从来不完全是你的，而是从国家租的，租金就是房产税，国家可以视情况提租，可以收回，可以改各种政策。。。在美国，大家其实都是租户~
在美帝还玩个mao的投资房， 除了一套自住， 大部分钱分成长短两部分玩美股比美房子强太多还能随时出手
对的。好房子申请人多，可以挑好的。一般老实的人不会去找事儿。
给房东
所以既然租客不用交房租，房东理当也不用交地租，既property tax
问题是代表3亿国民的国家房东，你打不过呀，所以只能认栽，要不就不玩，也可以写信给议员要求改善政策
学到了，以后还是投资美股吧，房东不好做。如果没有稳定这条，搞房子就是给自己找麻烦
有道理
辛苦本分工作遵纪守法的，掏出老本养活不工作吃福利打砸抢烧吸毒贩毒的。
对那些投了民主党的票, 现在开始担心被劫财的说，这是自作自受，得偿所愿。