Dear Penny: Can I Kick Out My Boyfriend if We’re in a Common...

mcdanielrealestatesystems mcdanielrealestatesy... | 3 years ago

Dear Penny, I am in a bit of a mess and have no idea what I should do. My boyfriend and I have been dating for about seven years. Last year we decided to buy a house and finally move in together. Unfortunately for personal reasons (not bad credit), he is not able to have […] This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny H...

mcdanielrealestatesystems mcdanielrealestatesy... | 3 years ago

Dear Penny, I am in a bit of a mess and have no idea what I should do. My boyfriend and I have been dating for about seven years. Last year we decided to buy a house and finally move in together. Unfortunately for personal reasons (not bad credit), he is not able to have […] This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny H...

Live Q&A Wednesday: Ask Dear Penny Anything About Retirement

nationalmortgageprofessional nationalmortgageprof... | 1 year ago

Hey, Penny Hoarders! Do you have questions about retirement? As in, can I afford to retire? When should I collect Social Security? Will Social Security even be around for me? Am I saving enough in my 401(k)? Can we retire if we still have debt? I’m Dear Penny, The Penny Hoarder’s resident advice columnist and […] This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies a...

nationalmortgageprofessional nationalmortgageprof... | 1 year ago

Hey, Penny Hoarders! Do you have questions about retirement? As in, can I afford to retire? When should I collect Social Security? Will Social Security even be around for me? Am I saving enough in my 401(k)? Can we retire if we still have debt? I’m Dear Penny, The Penny Hoarder’s resident advice columnist and […] This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies a...

The New York Times The New York Times | 1 year ago

In most cases, a co-op board has enormous latitude to approve or deny the transfer of a unit’s shares and proprietary lease.

The New York Times The New York Times | 1 year ago

Q: My spouse and I purchased a studio apartment in a New York City co-op for our adult son, who has special needs and is able to live independently with the support of an agency. We recently asked the co-op board to allow us to transfer the property to an irrevocable trust, so that when we die he will still have a place to live. The board denied our request. Now we are in a quandary. Our son cannot inherit property directly or he will no longer be able to receive the government benefits that sup...

Can I get a bigger mortgage given my debt management plan?

theguardian theguardian | 9 months ago

Q I am 46 and live in a small two-bedroom house with my two children but I need something bigger. I owe about £96,000 on the mortgage but also have another secured loan of £38,000 (which is what it would cost to repay it so includes early redemption fees and so on). The house is valued at about £165,000, so I do have some equity in it. However, my real problem is that I’m also on a debt management plan of about £13,000, which has been going for less than a year. If I sold my house and paid...

theguardian theguardian | 9 months ago

Q I am 46 and live in a small two-bedroom house with my two children but I need something bigger. I owe about £96,000 on the mortgage but also have another secured loan of £38,000 (which is what it would cost to repay it so includes early redemption fees and so on). The house is valued at about £165,000, so I do have some equity in it. However, my real problem is that I’m also on a debt management plan of about £13,000, which has been going for less than a year. If I sold my house and paid...

Can My Building Ban Incense Even if It’s a Religious Ritual?

The New York Times The New York Times | 10 months ago

Q: My Manhattan condo board recently added prohibitions against candles and incense to its no-smoking policy, to reduce odors and fire risk, with fines starting at $100. I practice an Asian religion that incorporates incense in its rituals. When I asked the board for an exemption, I was denied. But I use a high-quality incense, with a subtle odor, and it burns for less than 15 minutes. The restriction feels particularly unfair because I know other residents burn candles for Shabbat. Burning ince...

How Do I Prove That I Can Pay the Rent if I Don’t Have a Monthly Salary?

The New York Times The New York Times | 1 year ago

Q: I’m a retiree with no income but significant liquidity, and I’m wondering how a person without a traditional source of income can qualify for an apartment when landlords typically require renters to show proof that they earn 40 times the monthly rent. I have to believe that mine is not an uncommon situation. What are other ways I can prove to a prospective landlord that I can pay the rent? A: Landlords have a huge amount of discretion when they choose tenants, so long as they do not discr...