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Iran border killed over 400 people across both countries, sent residents fleeing their homes into the night and was felt as far away as the Mediterranean coast. Visit the National Association of Health Underwriters website to locate a licensed broker in your area. You may calculate your eligibility for subsidies on the exchange by accessing the Kaiser Family Foundation Subsidy Calculator. For 50 years, 1010 WINS has been a news and information utility for the New York metropolitan area. Gillian Burdett is a freelance writer covering all things home and living. Americans a new way to purchase health insurance, but it is not the only way.
Join a group like a trade organization. The launch of the Healthcare. CBS Television Stations group, a division of CBS Corp. Ask A NY Chef: Healthy Thanksgiving Recipes The terms healthy and Thanksgiving are a conundrum. WFAN remains the premier sports talk radio station in the business. Government employees operating the health insurance website are bound by the same privacy policies as these other agencies.
One of the advantages of the new health insurance exchanges is the ability to compare products online, but you can online shop for a health plan outside of the exchanges as well. Department of Insurance can provide you with a list of insurers that are licensed to sell health plans in your area. Check out organizations such as the Freelancers Union for information about membership and available health plans. Department of Health and Human Services is working on the website issues, and for those with privacy concerns, be aware that you will be providing the same information you provide to the Social Security Administration and the Internal Revenue Service. State sites have been doing generally better, but some not without their own difficulties. Her work can be found on Examiner. Do some offline legwork. Keep in mind that if you choose to purchase health insurance outside of the Health Insurance Marketplace, you will not be eligible for the premium tax credits provided under the Affordable Care Act.
Enlist the services of an insurance broker. Compare and purchase a policy online, outside of a government exchange. Many Americans are reluctant to enroll in a health plan through a government exchange, either for ideological reasons or for privacy concerns. Check with your employer, even if you are part time. Health insurance hubs such as eHealth provide information about policies available in your area. Business owners may be able to purchase insurance as members of their local Chamber of Commerce. CBS 2 Watch CBS2 News, CBS This Morning, Dr. Phil, Judge Judy, 60 Minutes, NFL football, and your favorite CBS shows. Although your employer may not offer you health insurance benefits, if the company has more than 50 employees, it most likely participates in a group health plan. You could also ask anyone you know in Westchester if they have an agent they had personal experience with that they would recommend.
Westchester County, Rockland County or Long Island? Does anyone have any suggestions as to what the best real estate brokerage company in Westchester is? Focus on an agent, not the firm. How much under asking price? Do you have any in mind as a starting point? Do they have a good reputation as far as you know? Thank you for your response.
Houlihan Lawrence is pretty strong throughout the county, though I have never used them. Westchester County would probably be the most useful in trying to focus our search. PM me if you would like a referral. My wife an I are looking to move out of New York City and into Westchester. While you may find an agent who is knowledgable about the whole county, most agents have far greater insight and connections in their own towns. CT real estate tax? If you know any agents in NYC you might ask them if they know any agents in Westchester they would recommend.
Their website is very good. Do you know if the company Houlihan Lawrence is well versed in all areas of Westchester? And we talked with veteran brokers for their perspective. Not just leasing new construction. While some brokers thrive under the territory model, others said the system is restrictive for brokers who would prefer to work all over the city. Renowned companies expanded into west coast. This spring, about 100 brokers attended a retreat at the Boulders resort in Carefree, Arizona. Brookfield, which aims to liven up public spaces in major cities in which Brookfield has a presence. To do that, we asked more than two dozen major New York City commercial brokerage firms to complete a survey detailing the amenities and perks they offer.
Some firms, such as the retail brokerage Winick Realty and Massey Knakal, divide the New York metro area into geographic territories. And bonuses are more subjective than commissions because bonuses are determined by managers and fellow team members, sources said. Public companies tend to be pressure cookers because they have to report to investors, brokers said. Some firms hire directly from real estate schools. Heller, who worked at publicly traded JLL. Other firms have more flexible models.
Excellent correpsondence with clients notice. Paul Massey, CEO of Massey Knakal, which pays its brokers by commission. Commercial firms take a variety of approaches to training their brokers, from mandatory courses to mentorship programs. The mortgage bank Holliday Fenoglio Fowler, which has an investment sales and capital markets advisory arm, also stands out for its educational offerings. This month, The Real Deal set out to analyze the factors that influence workplace satisfaction in commercial real estate. Mark Schnurman, director of sales and training, drew on his experience of training programs at one of his former companies, investment bank Morgan Stanley, to create a custom program for Eastern. In this category, Brookfield is a standout.
Also as part of the program, newcomers work on deals with several senior brokers, rather than being placed permanently on a team. Met Life Building at 200 Park Avenue, for example, has interactive white boards in all conference and training rooms, plus a dining room and terrace. It drives a big message about how collaborative our people are. Another popular form of training is mentoring. Cushman and NGKF declined to discuss the specifics of their compensation. Most commercial brokers are independent contractors, which keeps them from getting benefits such as health insurance or paid vacation time. At other brokerages, by contrast, the information gathered by brokers is considered company property.
To boost morale and attract new talent, Manhattan brokerages also reward their top producers with free trips, events and services. The program includes weekly training sessions on subjects such as marketing, real estate analysis, local market knowledge and technology, as well as mentorships with senior brokers. The most generous bonuses? Money, of course, is what commercial brokers pay the closest attention to: Which firm offers the best commission splits? Most companies also maintain their own listings databases, which are updated by agents as deals are made. The company has changed to a commission model for its new brokers, and now has brokers working under both compensation plans. Read on for a closer look. Those programs generally include CoStar, Loopnet, LexisNexis, Land Vision, MapNet, PropertyShark and Real Capital Analytics. The company also has gained recognition for its Smartphone app, which is reportedly the first of its kind to allow investors to communicate directly with the agents representing them.
Concur with perks of brokers have. That gives us a lot of flexibility to do what we think is right. Firms that take this approach, including Ariel, Massey Knakal and the retail brokerage Ripco, say it encourages more collaboration. In New York, the company regularly holds events and performances at its properties, including the office building Brookfield Place at 250 Vesey Street in the Financial District, that Brookfield Financial employees can attend for free. At Cushman, brokers receive benefits similar to those offered to employees, including medical, dental and vision insurance as well as disability coverage, a company spokesperson said. Past destinations have included Paris, Berlin, Florence, Tokyo and the Caribbean. King concert at Brookfield Place as part of the Lowdown Hudson Blues Festival. Eastdil declined to comment. Manhattan office who went on the trip last month.
Massey Knakal also sponsors a yearly trip for its top producers and their families. Some declined to fill out the survey, but TRD asked current and former employees and others in the industry about working conditions at those firms. Of my employer took vacation to Peru! Now, sources said, brokers have individual arrangements with the company. Commercial brokers have long days, filled with structuring deals, sourcing financing and pulling market data. Closer to home, Massey Knakal also hosts an annual company picnic; this year it was held in June at the Larchmont Yacht Club in Westchester County. Large firms such as CBRE and JLL have private spaces for their senior brokers and executives, but some firms prefer to have their top brass sit among their more junior colleagues. New high rise construction especially.
Market is hot great article mention. Almost all Manhattan firms provide their agents with access to a variety of software programs and online subscriptions to help them navigate the market. Millichap agents are given software to maintain their own databases, Parker said, and if a broker leaves the firm, their information goes with them. The configuration, he said, gives newbie agents greater access to managers than they would have otherwise. Wakefield and Newmark Grubb Knight Frank, are trying out yet another method of compensation: giving brokers ownership interest in their companies. June at the Larchmont Yacht Club in Westchester. That may not be the right thing to do for the transaction. Commercial real estate brokers are required to be licensed before they start working on deals, which involves taking classes and passing a written exam. Millichap has a different take on the concept: Junior brokers interview senior executives, then choose their own mentor.
Woody Heller, executive managing director and a top broker at Studley, which also operates on a commission model. Cushman did a private stock offering for its employees, including brokers, in 2006. Eastdil power team of Douglas Harmon and Adam Spies taking the largest cut. Class A office buildings in Midtown. He considers that an advantage. MBAs and other degrees.
Is there any way to accelerate the closing of this transaction? Millichap, which has roughly 85 agents in its Manhattan office. The idea is that the client is better served by brokers who know the area inside out and can underwrite or evaluate properties more accurately. The office culture of a commercial real estate firm is largely determined by whether a firm is privately owned or publicly traded, sources said, as well as the system that brokers operate under. The company also reimburses employees for education courses that are not applied toward a degree, such as business certifications. Appease the personnel well broker.
That may be one reason why NGKF has changed its program, which is no longer mandatory. When it comes to facilities, one area where firms differ is their approach to private offices. San Francisco were zoning. Some commercial firms have different approaches to compensation, however. Brookfield also sponsors the Tribeca Film Festival, giving brokers the chance to pick up free tickets to premieres. Brokers at Cassidy Turley get discounts at local gyms and retailers where the firm has relationships, including Brooks Brothers, Levenger and Dell. When asked, the firm declined to comment.
But other firms have a different take. Millichap a try, Parker said. Gold and Jewel of Russia. Wow, how creative, a Russian establishment specializing in vodka. The menu boasts international vodka from countries all over the world, including China, Slovakia, Lithuania, Austria, Iceland, Canada, France, Finland and more. Hundred of antique medicine bottle fill the back bar, and drinks are served by mad scientists in lab coats. The general campiness of the atmosphere does nothing to detract from the quality of the food and drink.
Enjoy the gentle tinkling of live piano music as you eat and drink amongst a predominantly Russian crowd in this classy, comfortable vodka lounge. Drinks include 16 different infused vodkas including pepper, chocolate and mandarin orange as well as seasonal selections like pumpkin and apple cinnamon. Dill, Ginger and Horseradish. There is only one way to describe it: Classic Russia in the heart of New York. Hidden away at the edge of Soho, Pravda is an underground speakeasy that makes no secret of its Russian roots. In true speakeasy fashion, Apotheke will only be found by those determined to find it. Similar to the Russian Vodka Room, Russian Samovar is an upscale restaurant and vodka bar with live piano music and an impressive menu of delectable Russian dishes. The intimate atmosphere makes for a relaxing sojourn in a Russia away from Russia. Sounds like a pretty good mission statement to us. The elegant interior is decorated in style marked by refined opulence.
Vodka infusions include cranberry, pear, tarragon, plum, ginger, cherry, horseradish, pepper, pomegranate and honey. While guests can order lamb shashlik, blini and a variety of caviar, the menu also contains items like fried calamari, mini burgers and oysters. Its dedication to authenticity provides guests with classic Russian entrees like chicken kiev, tabaka and braised lamb shanks. As for food, Pravda is less dedicated to Russian cuisine than some of the other establishments on our list. Equally alluring is the food menu, with a variety of authentic Russian dishes like beef stroganoff, cold borscht and, of course, caviar. Dishes include blini with salmon caviar, chicken shashlik and pelmeni. John and Leigh are ingrained in the Charlotte community which adds another dimension to their services.
He is always thinking ahead, looking for a better way to do business. In 2003 John Culbertson was recommended to me for his ability to bring land owners and developers together for their mutual benefit. John is a great strategic thinker and solid person to do business with. The process resulted in much higher proceeds than we anticipated, and a new use that enhances our city. However, for over a year we were in negotiations before the sale was concluded. He understands partnering like no one else! You guys are incredibly different than our current brokers. We greatly admire their process oriented approach to real estate because it is intuitive and works for both sides of the negotiation.
With his contacts and knowledge, John was able to locate a developer to buy my property. John is someone you can trust and share ideas with. John on any deal! Negotiations with strangers: You may feel that hiring a broker that performs only tenant representation is a good idea, but does he have a better relationship with the landlord that he has knows from deals in the past, or with you? Millie Hogoboom may not have been our largest client, but she was referred to us, which always means a lot to the big bird. John is an expert in his field of commercial real estate. John again in the future.
What set Cardinal apart from the beginning was their ability to think outside the box and see opportunities many others would just miss. How hard do you think the broker would have fought for those terms over the more lucrative ones? John while serving on a state board and observed him to be of very high integrity and commitment to his clients. As you can see, understanding how the broker is compensated can help you spot potential conflicts. But by doing so, they could be hurting their bottom line because brokers, by their very nature, respond strongly to incentives. Cardinal to others, and look forward to the experience of working with them again.
John would serve any client as well as well as he did me. He really likes you guys. Thank you for helping me look good! New York city in the first half of 2013. It is important to note that commission structures range wildly from market to market. John in the future. When we entered the Charlotte market to purchase and redevelop the former Charlotte Coliseum, we did so under the leadership of John Culbertson.
Charlotte and the surrounding counties. His ideas are innovative and creative and he consistently gets results for his clients. You guys are organized and methodical about how you go about the disposition process. Brokers, for example, earn bigger commissions when you pay more in rent. His approach to serving clients in the real estate business is unique and results focused. Mason Zimmerman, CCIM, SIOR, Senior Vice President, Pope and Land Inc.
Why would she if it was not in her financial best interest? John did a marvelous job for me during those trying times. John did a commendable job. Extraordinarily pleased with the engagement on every possible dimension, looking forward to working with Cardinal on the next assignment! And it can be hard for brokers to resist the lure of larger fees, even if it hurts their client. John is always a pleasure to work with. He provides a great service to his clients by representing their interest while working with prospects to ensure a deal gets done.
He said you were professional, nice, and knew what you were doing. The Cardinal disposition process was extremely well managed. Cardinal in this town. John is an accomplished commercial real estate advisor. He is a great listener and asks the right questions to make sure he understands the objectives before delivering to the point recommendations. Although this market is tough, I am optimistic we are going to have a win with this deal. If commercial real estate is a game played by brokers and developers, then it is important to know how they decide who is winning and who is losing. It was an honor to assist in such a personal, and important transaction.
And there are a lot of incentives at play when a commercial real estate deal is being transacted. Henry Faison, Faison Enterprises, Inc. Concierges will show you the options and then act as a middle man between you and a reputable broker, minimizing the fear of getting taken advantage of by a scalper. Matinee tickets are sold on the day before the performance; www. The Theatre Development Fund decided to make theater more affordable for the average person, so they opened TKTS booths to offer tickets discounted 25 to 50 percent. After you show paying theatergoers to their seats, settle down to enjoy the performance for free. Make a reservation in advance and then arrive about an hour and a half before the performance for a debriefing from the house manager. From skyscrapers to statues to subways, how to make the most of your first visit.
Justin Davidson: How Can the Vienna Philharmonic Change Without Changing? MetroTech Center, at Jay St. These booths are usually open for only a few hours per day, so call ahead to find out when to go. Broadway and here for Off Broadway. Tickets can be mailed in seven to ten days, held at the box office, or printed at home. Call in advance to find out which theaters offer this option. Corner of Fulton and South Sts. Arrive early to avoid the lines. New York Media LLC. Order at least two weeks in advance for mail delivery, pick up your tickets at the box office, or print them at home. Ticket Central box office, or have them held at the theater when you order them by phone or online.
If you already know what show you want to see and when you want to see it, there are a number of sites to check out, including: Broadway. News and reviews along with comprehensive theater listings and ticketing links. The Visitor Information Center offers discount coupons for select shows. Tickets are available at the box office, by phone, or online with a nominal surcharge, depending on the show. Some theaters have standby tickets available right before show time. For tickets to certain Broadway and Off Broadway shows. Paris has its lights and Rome its crooked alleys, but nowhere is as breathlessly romantic as New York. Offers tickets and theater news.
Order them online for slightly lower fees. Official Visitor Information Center 810 Seventh Ave. Be a grown up. If something is too good to be true in housing, it probably is. Manhattan, she added, which have a lot of young people as well. Manhattan prices have risen by 20. New York is even pushing out its middle class. AN INTRODUCTION TO DERIVATIVES AND RISK MANAGEMENT, 9E provides a blend of institutional material, theory, and practical applications. This leading text gives students a solid understanding of financial derivatives and their use in managing the risks of financial decisions. The latest financial information. The best way to get a good rate is simply to shop around. Chubb is the provider for you.
Wind and water damage are by far the most common claims. This unique discount gives you 10 percent off your premium for the first two years just for signing up with Allstate. It came in a close second to State Farm for claims management and just behind Allstate for customer service. ZIP codes we sampled. With most companies, including our top five, flood insurance needs to be added as an additional policy. If you have a multimillion dollar home, the alternative flood coverage offered by Chubb is definitely worth exploring. US Household Insurance Study, which takes into consideration policy offerings, pricing, billing, payment, and contacting the insurer, in addition to claims. Since 2011, the Federal Emergency Management Agency has declared a disaster nine times in New York, nearly twice as many as the national average of five. Allstate, State Farm, and Liberty Mutual all provide a home inventory tool, so you really have no excuse to not catalog your belongings.
Allstate is most impressive, too. State Farm topped our list because it has better claims management than any other provider we evaluated. State Farm or Chubb. Catastrophic claims in New York have been on the rise over the past several years. Costly Claims tool to help you determine which coverage options you should prioritize based on your ZIP code. Ordinance and law coverage is particularly important for older homes that may be required to upgrade electrical, plumbing, or other systems to meet new ordinances and laws after an incident. We went through the quote process, read the fine print, and tested all their online tools. Liberty Mutual offers immediate repairs service.
Compare rates for your area using the quote tool below. Allstate makes up for the flaws in its claims process with strengths in these other areas. But what if you live in the city? We looked at the most frequent claims using ZIP codes from cities across the state. One of the best ways to save money on homeowners insurance is to get quotes from more than one provider. To demonstrate why this is important, we went through the online quote process with three different home insurance companies in cities across the state.
When we set out to find the best homeowners insurance in New York, we followed an approach similar to the one used in our review on nationwide companies. State Farm fared well in our evaluation of its educational materials. State Farm and Allstate offer. In the event of a major storm, you can take some solace knowing that all five companies we evaluated have catastrophe response services to help resolve your claim quickly. Enter your ZIP code in the tool below to start shopping around and comparing your coverage options. Similar to Allstate, Travelers stood out for its wide variety of discounts. Costly Claims tool, which, as you might suspect, specifies the most common and costly claims in each ZIP code. Chubb offered many of the same endorsements as the other four providers we evaluated, plus several distinguishable extended coverage options. Allstate, bundling your home insurance with an auto, umbrella, boat, or personal articles policy can save you up to 15 percent.
We started by identifying the largest home insurance companies in New York, and then we evaluated their coverage options and discounts, and compared their financial strength, claims management, and customer service. Finding the best homeowners insurance starts with getting quotes from multiple providers. And finally, we gathered up all the data and ranked each provider based on their overall performance in each category. Moving and money: A financial guide for relocating. New York City on Long Island. Commack, and scores similarly in our analysis.
Long Island, the densely populated strip of land that stretches 118 miles east from the outer boroughs of New York City. With so many websites offering free financial tools, it can be hard to know whom to trust. The lower the costs, the higher the score. Both metrics were weighted equally. Named for the natural mineral springs within its borders, Saratoga Springs sits about 40 miles north of Albany, the state capital. Yet another Long Island hamlet, the area known as Commack is split between the towns of Huntington and Smithtown about 50 miles east of New York City.
Rockland County and town seat of Clarkstown, New City sits on the west bank of the Hudson River a few miles from the New Jersey border. Find ways to lessen the financial burden of moving. But like the other Long Island hamlets in our analysis, when it comes to affordability, it ranks near the bottom, 67th out of 75. Levittown was largely built in the years just after World War II and intended for returning veterans. What is a secured credit card? SchoolDigger score of 78. Its schools are excellent, scoring 91. Boasting such famed native sons as Alec Baldwin and Jerry Seinfeld, the hamlet of Massapequa, like Plainview, is part of the town of Oyster Bay about 40 miles from New York. Like nearby Plainview, its schools are highly regarded, scoring 94. To see the data, click here. The hamlet of North Bellmore sits just south of East Meadow in the Long Island town of Hempstead.
How can I raise my credit limit? Schools in the top places get good grades. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence. The two metrics involved were growth in family income from 1999 to 2015, and median family income in 2013. Interstate 495 goes through it. Long Island is big. Hempstead in central Long Island. Assess your priorities to see if it makes sense to rent or buy a home. Francis Albert Sinatra belted a famous song about.
Both were weighted equally and positively. Kosta, he really cares that you find a place you love. From the outset Kosta made us feel at ease and I genuinely got the impression that he would not be happy unless we were also. Having dealt with a lot of brokers in New York I would rate Kosta as the best I have experienced and would recommend him to anyone looking for property. Great guy to work with. For anyone looking to rent property in New York I would advise you to get in contact with this man. Kosta Blyznakov and Staci Reed! He was thorough, specific, professional, available, detailed and honest and helped us to find an outstanding property in under three days that fit all our exact specifications. Ask for Kosta Blyznakov.
He was very professional and knowledgeable about the area. Kosta was able to negotiate more favorable rates and amenities for us which was a great added bonus at the end. Kosta was a pleasure to work with and I would recommend him in your apartment search. NYC brokers but I can honestly say that Kosta made the whole process more than not difficult. Kosta showed us all local attractions and living needs in Our new neighborhood. They asked for a very high deposit. Work with SPIRE and ask for KOSTA! The man lived up to his word and you cannot complain about that. Kosta on finding an apartment in Long Island City for myself and a roommate.
He was an absolute pleasure and took us all over to make sure I was happy with my decision. He was very responsive to my phone calls or email inquiries. He was never pushy or rude and always seemed to have our best interest in mind. Best broker I have ever worked with. New York apartment hunting can be intimidating but not with Kosta helping you out along the way. He sent recaps and updated me and my roommates through the entire move in process from start to finish. Kosta Blyznakov from Spire.
Upper East Side, and are very happy with it. Kosta to anyone looking for an apt he will be dedicated to find you the perfect home. My rommies and I wanted a 3 bd, no fee, wall already built apt in midtown for cheap cheap cheap. He had a great local knowledge of the local area, knew the pros and cons of the buildings we looked at and genuinely had our best interests in mind. And that only took one week to find and I was sold on it right away. Kosta brought us to a beautiful apartment with no fee. He is very knowledgeable about the area, showed a lot of places, gave his recommendations, and was very helpful through the whole process.
He worked his hardest to get the best deal possible and never put any pressure on us. Agent Kosta Blyznakov to help in your apartment search. NYC but Kosta found it for us! My roommate and I had a bit of trouble with the building management not accepting our application, Kosta promised to work it out with them, and he did it. The guy did a great job. Kosta Blyznakov found me an amazing apartment in Long Island City with a skyline view without a pesky management fee. He is extremely knowledgeable of Manhattan and has a lot of advice and tips to share with his clients. KOSTA made it not difficult, relaxing, and surprisingly a lot of fun! We were comfortable contacting him at any time. He also had a personal relationship with the management offices in these companies which I guess is down to his friendly personality. Kosta Blizhnikov, who assisted me first to rent an apartment two years ago, than to buy a condo in Long Island City. Throughout the entire process, Kosta was very flexible.
NYC from Texas and was completely overwhelmed when I got here. He was very prompt in responding to phone calls and setting up apt. He worked with the management company to get our preferred move in date as well. He is professional and very responsive. An outstanding broker and a genuinely decent person with a tremendous passion for his job and the client. We were unsure of what we wanted at first, and narrowed our target list down over time. He was very patient with me and able to meet with me anytime I was available, which made the whole experience super convenient and not difficult breezy.
Just graduating from college and moving to NYC, I was relieved to find a realtor that cared so much about me. My mother and I worked with Kosta Blyznakov on finding my first apartment in the city. Kosta was the only realtor we met that we saw several more times because of his friendly, caring nature. Kosta without hesitation as an excellent broker. Spire Group, especially Kosta! KOSTA and he is AMAZING! Kosta had my best interest in mind when showing me the apartments.
He listened to our requirements and found apts. Not only was looking for an apt with him enjoyable but also informational. He continued to follow up with my mom, my roommate, the leasing agent, and myself over the next few days to make sure everything had worked out with the lease. He asked us questions that showed he just wanted us to be happy with our decision, not just sell us an apartment. He was extremely knowledgeable in helping us negotiate with the leasing agent. He always had a pipeline of apartments for us to see, and kept us updated on the availability of our preferred locations along the way. Kosta had a detailed understanding of all the properties he showed us, and listened to our needs to ensure we only saw apartments that were within our parameters. If you are looking for an apartment in the city or LIC you should link up with Kosta.
There is nobody I would even think of using instead.
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