Nyc Apartment Rental Resources

By Zack Forester

How much rent can I afford?

As a guideline in NYC, you can expect to spend approximately 25% of your gross annual income on rent. For example, if you earn $80,000 per year, plan to spend $2,000 a month on rent. What do landlords commonly require? Most landlords require their tenants to be of good credit and gross an annual income of 40 to 50 times the monthly rent.

What is a Guarantor?

A guarantor, also called a co-signor, is someone who is willing to guarantee your lease. The guarantor is responsible for all terms of your lease and your rent payment, should you default.

Do I need a Guarantor?


If you do not meet the financial or credit requirements, a guarantor is one way for you to secure an apartment. Most students and young individuals require a guarantor due to their inability to meet income requirements. When it is an issue of bad credit, however, a guarantor in conjunction with extra security might be needed. Please let your agent know if you will need a guarantor so he/she can better prepare your application.

Who can be a Guarantor?

A guarantor does not have to be a relative, but many landlords require the guarantor to live in the tri-state area: New York, New Jersey or Connecticut. Try to prepare your potential guarantor in advance. Speak with them about what they would be responsible and the paperwork that would be required of them. Timelines for apartment applications are subject to change. As a result, you might have to act quickly and the guarantor’s cooperation may be critical for your approval.

So what does a guarantor need to do? A guarantor needs to fill out an application form and provide the same required documents as the applicant. In terms of income, they are required to gross an annual income of 80 to 100 times the monthly rent of the apartment. The guarantor does not have to be present at the lease signing unless otherwise stated by the management company.

Rentals: The landlord owns the entire NYC building. Stabilized and non-stabilized apartments are included in this category.

What you need to know: The approval process for NYC rentals are relatively short, taking approximately seven days. It is based upon a credit check and financial requirements. Usually the tenant is expected to have a net income of 40 to 52 times the monthly rent. The security deposit is usually equal to one month’s rent for NYC rentals.

Condos: The apartments in the building are owned by individuals for residential and/or investment purposes. Owners are able to determine rent and length of leases for NYC rentals that are condominiums.

What you need to know: The approval process can take up to 30 days and is based on a credit check and the individual owner’s requirements. Application and move-in fees are common. Usually the tenant is expected to have a net income of 40 to 52 times the monthly rent. The security deposit for your NYC apartment may exceed one month’s rent.

Co-ops: The building is structured like a corporation. Individuals do not own an NYC apartment but shares of the building according to the size and value of their unit.

What you need to know: There are many restrictions on the rentals of co-ops including rent price, length of lease, roommates, etc. The approval process can take up to 45 days. Prospective tenants must submit extensive personal and financial information as well as interview with the co-op board. Usually the tenant is expected to have a net income of 40 to 52 times the monthly rent. One can also expect sizable application and move-in fees. The security deposit may exceed one month’s rent. Also, applying to a co-op can be problematic for diplomats or new hires without an established credit history.

Metropolitan Property Group the Manhattan-based commercial and residential brokerage is set to open a fourth office in Midtown West later this month. CEO and founder’s recent interview:


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Josh Schultz’s Forex Profit Model Review

By Ron T Daulton

The Forex Profit Model team of professional Forex traders instructs you on a proven suite of Forex Trading strategies and tactics creating a firm foundation for your trading. Forex Trading Lessons are structured within an academic curriculum where concepts of trade theory are introduced and expanded upon assuring the trader has a strong grasp of content by example and demonstration. Josh Schultz from Forex Profit Model understands that each trader is different and unique. He further customizes the educational experience based on individual trader psychology and matches this to sound money management rules. Remember Josh is a real Trader and has put his expertise into the Forex Profit Model. He has partnered with Old Tree Publishing to ensure the quality of the product offered.

What the trading educational product offers:

— Lifetime Access to members only area, with lifetime access to updates, newest materials, scheduled webinars, more videos and a whole lot more!

— The ability to participate in the forex trading course and lab for one full year

— Grey box technology to ensure you ‘earn’ while you ‘learn’

— Identify Successful Technical Setups for Long or Short Positions


— Evaluate Key Technical Areas to Identify Entry and Exit Strategies

— Formulate Trading Ideas Based off Numerous Indicators

— Learn New Ways to Make Money By Being Introduced to Various Fx Products and Strategies

— Profit in Forex without actually trading using Automated Trading Algorithms

— 25% Discount Bonus Order Page

The Forex Profit Model has the capacity to observe and detect the market rate. As in when the market rates start to dip it halts trading for a bit until it picks up and put you in control of your trading. YOU as a trader have full discretion to take Membership Site indicators or wait for another signal.

As already stated, you will gain access to all the custom indicators Josh uses for his Forex trading. These indicators cannot be found anywhere else so you will effectively have access to some of the most exclusive trading tools available in the market!

You must get guidance from an experienced trader:

Again, I am just one email away to answer all your questions, review your charts and to clarify anything you might have not understood from the tutorial videos. Remember that you get one year of unlimited support… but quite frankly, you should be doing great much earlier than that!

You must have the appropriate tools:

As already stated, you will gain access to all the custom indicators I use myself for my Forex trading. Please remember that these indicators cannot be found anywhere else so you will effectively have access to some of the most exclusive trading tools available in the market!

Download the indicators, learn how to use them and profit from them day in and day out!

You must take Forex trading seriously:

And here’s finally your part of the deal: do you want to become a profitable trader? do you want to trade full time? well, now is the time to commit yourself to Josh Schultz’s Mentoring Program and give it your best shot.

Taking no action means achieving no goal… It’s time for you to take action towards becoming a top performance trader for once and for all!

About the Author: Ron Daulton


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Forex On The Go: Forex Trading Via Ipad

By Chris Johansen

Almost everything has gone mobile at this point in time. Fast-paced and always on the go, people always want to be on top of things. Why, if they can only put their houses and offices in their back-pack they would! Mobile offices, marketing, trading are the biggest things happening right now. Everything is online. Everything is mobile.

ForEx trading has come a long way. From 1967 up to present, due to technological advancements, more and more people can get a chance to earn money by just clicking the mouse and going online. Now, it is even better! Think mobile, think IPAD, think ForEx trading. What do you get? ForEx Trading in IPAD – at the palm of your hands!

We have heard of the IPAD, which is a thinner and lighter version of our humongous and Jurassic laptops. This piece of technological masterpiece would not only take you to different heights of liberation from heavy laptops, as they say, it is thinner lighter and faster; But also it will make checking mails, surfing, watching movies and reading books a breeze! As if that is not enough, with a bevy of applications to go through, there is this ‘ForEx Trading IPAD’.


If you are into ForEx Trading, but need to do other things and must be here for this or there for that, the best way to go is ForEx trading via the IPAD.

Applications for ForEx Trading on IPAD have features that help the trader create a shortcut to easily and instantly access their accounts, through the mentioned device. Live streaming for dealing rates and news are available as well. There is also a feature wherein you can get real-time interactive charts with the most used indicators and customs settings. One can also place, modify and/or remove orders. Aside from getting into their accounts, traders can also check their orders and open positions, as well as their trading history.

One such example of the said application is ForEx Club’s ( iDealForEx (available in the iTunes store: This ForEx trading iPad application has three parts: The small tick chart, the large chart with several indicators and of course the rates. Because of this, all the trader needs is one screen. This would already show various currency pair rates while checking an indicator on a different currency pair, and viewing the EUR-USD tick chart at the same time. One can also view between charts by just sliding a finger across the screen. Same goes when viewing closed and open positions, and pending orders. On its charting features, it allows a trader to scroll through previous time frames, trades from charts, and plot indicators. Since most people do their trading using charts, the IPAD is of great advantage. With its high graphic resolution, traders do not have to squint to check the charts. All these features with an attractive and intuitive interface (with landscape and portrait layout options) in a small package!

This new trend in ForEx Trading is truly the next big thing! It is not going to be a surprise if we see people trading while doing their grocery!

About the Author: Are you looking for more information regarding

ForEx Trading in IPAD

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Trading Baskets Part I

In another article, I wrote about a rather conservative method of being in the stock market. See: “A Triple Dipper: How to Make 3 Profits on 1 Stock” at time lets talk a little about trading “baskets”. The definition above maybe needs to be expanded just a bit. You can trade baskets using longer term buy and hold strategies, a shorter-term swing trading approach or as a day trader. A basket of stocks is nothing more then any group of stocks that someone has grouped together for any of a number of reasons. They may be of the same sector, or they may be made up of a number of stocks in different sectors.An example of a few baskets could look like what is sited below. To save time and space Ill use the stock symbols only. You can look them up later if you are interested. Lets say you see stem cell research as the thing of the future and wanted to be invested in it. If you dont know which stock is going to fair the best, you may want buy a basket of stocks that is made up of ASTM GERN and STEM. This would be a basket of stem cell stocks. Now lets say you think the Internet stocks look good and, again, you are not sure which ones will do the best. In your Internet basket you may want to pick up some shares of EBAY, YHOO and AMZN. Obviously your basket can contain any number of stocks you want. Many online brokers will actually allow you to set up baskets in your account, and you can put in a sell order all at once on the entire basket or pick and chose which ones you want to sell. Im not recommending these stocks in any way, shape or form, but merely using them as examples. Okay, thats pretty basic, but Im sure you get the picture. The examples above would more or less be the type of baskets you would probably be thinking of holding for some time and not day trading.Most day traders have an entirely different kind of basket of stocks. A day trader may have any number of stocks in his trading basket that he or she has been become very familiar with. They have studied them and even charted them for intraday movement (I hope) for some time and have learned the trading habits of the individual stocks. They have a fairly good idea of how the stock moves on a daily basis with or without news. They have knowledge of how it reacts to earnings, analyst upgrades, analyst downgrades and other events that may be reoccurring. They have also probably learned how they trade when hit by surprise events as well. They know which market makers to watch the closest. They also know who the main market maker in the stock is, often referred to as the axe.A day traders basket may be any number of stocks. A good average could be somewhere between 25-50 stocks. But it may also be larger or smaller. I have known traders that traded one stock all day long and nothing else. I have known others that were able to watch 300 stocks. Personally, I think that is way too many.When I was trading I had a basket of about 75 stocks. Some I knew were only going to be in play on news or when reporting earnings. Others were fairly reliable moves on a daily basis. And still others were extremely sensitive to any sort of news or event. Today, if I was going to put together a basket of stocks, I would be looking at the following symbols: GOOG, TASR, TZOO, AIRT, QLGC, SYMC, PLMO, KMRT, EBAY, SINA, RIMM, RMBS, PCLN, and DCLK as well as other NASDAQ stocks. I would not over look New York Stock Exchange stocks, although many do. I would be looking at: MO, PFE, CAT, GE, GM, TYC, MRK, MOT, and others as well. Keep in mind, I am not recommending any of these stocks specifically for you to buy or trade. I am merely trying to give you an example of what a basket may look like. You have to decide yourself what stocks you would add to you your basket based on your own knowledge gained through experience and research on each stock.I think every trader should have a basket of stocks he or she follows and trades. Day trading without your own basket raises the risk level and puts you in a position where you are always looking for something to trade. On slow days where the market is just not offering up much in the way of trading opportunities, you may have a tendency to jump on stocks, that under different circumstances, you would have passed on. Having your own basket of stocks will lower your exposure to risk. They may not move any better under slow market conditions, but at least you will have some knowledge of how they move.In Part II I will tell you about a special trading basket technique I used during the early boom days of day trading. It may still be a valid concept today.


Online Futures Trading Gives You A Lot Of Advantages

Online Futures Trading Gives You A Lot Of Advantages


Raymond Horne

Day trading futures has a number of benefits, which is why more and more individuals are getting involved. The benefits are conducive to many people’s lifestyles, creating a great opportunity for them. Aside from control, convenience, affordability and flexibility, there are still other benefits provided by online trading such as:


Quick results: As the name implies, day trading is all carried out during the day. Everything begins and finishes within the day, so you see your results right away. There is no going to sleep worrying about how the stock is performing over night, because it will not affect your trades, since they are already complete for the day. The difference between short-term results and long-term results is that each day the revenue is not very big. But then, if you get to trade on a daily basis, you will surely accumulate profits. Getting faster results also means that you would be able to figure out your mistakes right away, learn from them, and correct them the soonest. If it so happened that you lost money for a day, you will be able to evaluate your actions and determine what you could have done to have improved it. The very next day you can change your trading methods to avoid the same mistake and hopefully make a profit. Security: The ability to trade from the safety and comfort of your home is another benefit of day trading. Another way to protect your personal information from being at risk online is by installing security software on your computer. This way you can ensure that the information you are sharing online is safeguarded and secure. Accessibility to newcomers: If you know nothing about trading but are interested in learning more, the thought of starting up could be overwhelming. The truth is, you do not want to jump into trading without knowing what you are doing because the result could be the loss of a lot of money. Luckily, there are plenty of good day trading courses and books that can give you with a solid foundation to work off of. A good course will provide you with all the tools, skills, and knowledge you need to be successful. They will also provide you with practice, such as paper trading, which is trading without the financial commitment. Trading online has a lot of benefits to take advantage of, and can be very rewarding if done appropriately.

When in search of part-time or full-time earnings,


could be an idea you might want to look into.

day trading futures

produce flexibility and convenience, and has the opportunity to help you to earn a considerable amount of income.

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