My closings were a long time ago, 1997 and 2003. They were on time. Refinanced in 2010. The refinance took a long time though. My interest rate did not change. I had what they quoted. I didn't really shop around. I have my checking account with them.

Did you say "co-op"? Mine were condos. My co-worker bought a co-op in Manhattan, and he went to the headquarters at 51st and Park. He closed this January. He said that they were very fast. He closed within one month. But he has an account with them and he had the downpayment available in the account to show them.

You're probably better off with a small bank with good customer service like they said.

I have a love hate relationship with Citibank.

I had two mortgages with Citibank. I still have one of them. When I had my first mortgage in Hoboken, once they forgot to pay the real estate tax.

Now, I am in Jersey City. Once a year, they threaten to buy flood insurance for me if I don't show evidence of flood insurance.

The sales rep is in St. Louis. The insurance department is in Ohio. The tax department is in Delaware. Customer service is in Georgia or India. Or something like that.

If you like Citibank, you might do okay if you walk into the Citibank office in Hoboken and deal with a human. I was doing everything on the telephone.

I do like Citibank's online websites.

Quote:

Do these drop boxes belong to the Salvation Army? Are they for a non-profit?


Salvation Army
248 Erie St
Jersey City, NJ 07310
(201) 653-3071
http://www.yelp.com/biz/salvation-army-jersey-city-2

Was he involved with The Hague Building at 2600 Kennedy Boulevard?

It's funny how the New York Times won't report it, but the San Francisco Chronicle did.

http://www.sfgate.com/business/bloomb ... s-Jersey-City-4519374.php

http://www.businessweek.com/news/2013 ... s-jersey-city-mayor-healy

Steve is on Fox 5 now.

Greg said that he became one of the most powerful democrat in the state.

Jersey City Mayor Healy Concedes Defeat To Challenger Fulop
http://newyork.cbslocal.com/2013/05/1 ... d-in-jersey-city-passaic/

Jersey City votes in new mayor, Healy concedes
http://abclocal.go.com/wabc/story?section=news/politics&id=9101569

Jersey City Mayor Dogged by Scandal Faces Ex-Bond Trader

By Elise Young - May 13, 2013

Jersey City Mayor Jerramiah Healy, 62-year-old veteran of political hazards that include a drunken nude photo and an FBI sting, wants a third full term. Backing him are President Barack Obama and Newark Mayor Cory Booker.

Healy’s main challenger in today’s election, Steven Fulop, a 36-year-old city councilman who left Sanford C. Bernstein & Co.’s trading desk to campaign, says it’s time for Healy to quit embarrassing New Jersey’s second-most populous city, four minutes by train beneath the Hudson River to Manhattan. Fulop’s backers include Appaloosa Management co-founder David Tepper and Pennant Capital (PFLT) Management founder Alan Fournier.

The two candidates are frontrunners for control of a city government savvy enough to coax Goldman Sachs Group Inc. (GS), UBS AG and Citigroup Inc. (C) to open offices there, earning it the nickname “Wall Street West,” yet powerless to shake a 100-year reputation for crooked Democratic politics.

“It really is a test case in terms of a new guard entering the fray,” said Brigid Harrison, a professor of politics and law at Montclair State University. “That old guard has retained power. When people conjure up images of the city, it’s one in which party machines are enormously important.”

Healy and Fulop are registered Democrats, though today’s race, which has two others on the ballot, is nonpartisan. If no candidate receives more than 50 percent of the vote, the top two will compete in a June 11 runoff.

Hudson Democrats
Jersey City, 15 miles (24 kilometers) square, became known for political corruption starting in 1917 under the 30-year rule of Democrat Frank Hague, whose hallmark was boss-style patronage and election fraud framed by his declaration, “I am the law.” Mayor Thomas Gangemi Sr., an Italian immigrant, resigned in 1963 because he had never become a U.S. citizen. Mayor Thomas Whelan was convicted of extortion in a 1971 federal case.

In 1991, Mayor Gerald McCann was convicted in a savings-and-loan scheme linked to a marina development. Released from federal prison in 1994, he was hired as a city incinerator inspector and elected as trustee for Jersey City schools, the first ever taken over by the state of New Jersey, in 1989, for poor performance.

Healy, a former prosecutor, municipal judge and councilman, became mayor after winning a November 2004 special election to succeed Glenn Cunningham, who died of a heart attack. He was re-elected in June 2005 and again in June 2009.

Nude Photo
The mayor declined to be interviewed for this story, said Joshua Henne, a campaign spokesman.

In 2004, while Healy was still a councilman, a photo of him sleeping nude on his front porch was posted on the Internet. The New York Times quoted Healy saying in 2006 that he didn’t remember how he got on his porch after drinking six to eight beers at a local bar.

In an interview this year with the Star-Ledger, Healy was quoted as saying that “three Hispanic girls” lured him outside, pulled off the towel wrapped around him and did “filthy” things to him. He chased them off, then sat on the porch, and was then photographed by a political enemy, he was quoted by the paper as saying.

In 2006, the mayor was arrested and convicted of a disorderly-persons offense after scuffling with police outside a Bradley Beach bar owned by his sister. Four years later, the state Supreme Court’s disciplinary review board admonished him for the incident, and the Jersey Journal of Jersey City called for his resignation.

Bid Rig
In 2009, Jersey City was rocked by “Operation Bid Rig,” the largest Federal Bureau of Investigation corruption sting in New Jersey history, which netted 44 public officials and rabbis across the state. The case led to prison sentences for Healy’s deputy mayor, Leona Baldini, who had been his campaign treasurer, and several other aides and allies.

Healy, recorded on an FBI hidden camera meeting with an undercover informant, was never charged in that case. Fulop used the footage in a campaign ad with a tagline, “Mayor Healy got away with it.” Healy’s campaign issued a cease-and-desist letter that called the material defamatory.

The mayor said that under his leadership, crime in his city of nearly 250,000 people has dropped by a third. While other major cities fired police officers to close budget gaps, Healy has hired nearly 300, according to his campaign website.

‘Same Values’
Healy, who was co-chairman of Obama’s New Jersey campaign, said he and the president “share the same values that make up the bedrock of the Democratic Party.” Obama, in his March 20 endorsement of Healy, said “we need more leaders like my friend, Jerry Healy.”

“He’s made Jersey City a vital engine for economic growth, innovation and opportunity,” Obama said.

Healy’s endorsements also include Booker, a rising Democratic star and possible U.S. Senate candidate; Boston Mayor Tom Menino and New York City Mayor Michael Bloomberg, the founder and majority owner of Bloomberg News parent Bloomberg LP.

Fulop has no comparable banner-name backing, though both the Jersey Journal and the Star-Ledger have endorsed him.

“We have John from Gifford Avenue and Paul from Duncan Avenue,” Fulop, referring generically to neighborhood support, said in an interview. “It really speaks to the grassroots thing.”

Tepper Committee
Fulop, who had worked for Citigroup and then Goldman before leaving to serve with the Marines in Iraq, has been able to draw campaign interest from Wall Street. Better Education for New Jersey Kids, a New Brunswick, New Jersey, political-action committee started in 2011 by Tepper and Fournier, has funded mailings supporting him.

“Fulop has a long history of putting the interests of the public-school kids first, and standing up against the status quo,” said Michael Lilley, a spokesman for Better Education.

Healy tried to get a Superior Court judge in Hudson County to force the group to stop producing campaign ads. In a May 10 lawsuit, Healy accused it of engaging in “explicit advocacy of Fulop’s candidacy” and skirting campaign-finance laws.

“Filing a frivolous lawsuit is what a desperate campaign does when the state’s largest paper, The Star-Ledger, calls the mayor ineffective, unethical and often downright embarrassing,” said Bruno Tedeschi, a spokesman for Fulop.

Fulop’s campaign received $52,000 from Tepper, of Livingston, and Fournier, of Far Hills, according to Healy’s lawsuit. Neither responded to e-mails for comment on the race.

As of May 2, Fulop had raised more than Healy, $955,964 to the incumbent’s $804,028, according to campaign-finance records.

Fulop says his success will depend on voter turnout.

“Our greatest obstacle is apathy,” Fulop said in an e-mail to supporters. “If the turnout is large on election day, we win. If it’s not, we lose.”




http://www.bloomberg.com/news/2013-05 ... faces-ex-bond-trader.html

Please vote today!

Even John Montone on 1010 WINS is in Jersey City covering the race. I hear him talking about drunk, naked, real estate deals, etc.

Who's the interloper? Healy was born and raised in North Bergen.

The Lenape Indians are the only ones who are not interlopers.

Star Ledger endorses Fulop in JC contest

By Darryl R. Isherwood | May 9th, 2013 - 7:51am

The state's largest paper has endorsed Councilman Steve Fulop in his bid to unseat Jersey City Mayor Jerry Healy in next week's non-partisan mayoral race.

The endorsement from the Star Ledger calls Healy "damaged," "ineffective, unethical and often downright embarrassing."

http://www.politickernj.com/65373/sta ... endorses-fulop-jc-contest


Fulop for Jersey City mayor, not the damaged Healy: Editorial

http://blog.nj.com/njv_editorial_page ... ayor_no.html#incart_river

Gothamist:

http://gothamist.com/2013/05/06/nj_ma ... enly_blames_his_naked.php


WPIX:

http://pix11.com/2013/05/06/nj-mayor- ... xplanation/#axzz2SZS1QkWX

From the New York Times 10/10/04:

Last week, Mr. Healy, a diabetic, said that photographs showing him naked were the result of a night out drinking six to eight beers over a three-hour period -- though he is still scratching his head and wondering how he ended up on the porch. ''I wish I recall how I got back out there,'' he said. ''But I don't.''

http://query.nytimes.com/gst/fullpage ... 43BF933A25753C1A9629C8B63

Quote:

Thank you. Yes. There are moving escalators with people constanting getting off them at a set speed.

I thought it looked chaotic on Wednesday. The farmers markets were better laid out. It might be a good idea to rope off the PATH entrance so people don't stand in front of it. It can be a safety issue.

Here's another scam.


126 Dudley St, Jersey City, NJ

For Rent: $950/mo

Condo at 126 Dudley St, Jersey City, NJ. 2 bed, 2 bath. 1200 sq ft of living space. $950/month. Dogs and cats both allowed. Available monthly.

Deeded parking, fitness center

http://www.zillow.com/homedetails/126 ... NJ-07302/2141494089_zpid/

Beware of rental scam on the internet. $900 barely covers the real estate tax, condo maintenance fee, and insurance.

--------------------------------
1 Bedroom - $900, 15 warren st jersey city nj 07304 - Walk Score Apartments

1 Bedroom - $900 - Downtown

Condo at 15 Warren St, Jersey City, NJ. 1 bed, 1 bath. 776 sq ft of living space. $900/month. Dogs and cats both allowed. Rental comes furnished.

About This Location
15 Warren StreetJersey CityNJ07304
15 Warren St Jersey City NJ 07304 has a Walk Score of 74 out of 100. This address is Very Walkable — most errands can be accomplished on foot.

This location is in the Downtown neighborhood of Jersey City, with a neighborhood Walk Score of 93.

Walk nearby to coffee from Grand Banks Cafe and groceries from Gregory Park Smoke Shop.

The nearest restaurants are Harbor Casino, Amelia's Bistro, and Taqueria Viva Mexico.

Close by parks and schools include Paulus Hook Park and Waterfront Montessori.



http://www.walkscore.com/apartment/1-bedroom-900-jersey-city

Thanks for telling us about this place. Do they have any tables there? I might want to drop by for lunch.

http://www.yelp.com/biz/honey-bakery-jersey-city

Bill Credit Questions Following Sandy



How can you get credit where credit is due? The answer is different depending on your provider: Just because you were without service after Sandy doesn't mean you will automatically get credit, even if it was for more than a week. News 4 consumer reporter Lynda Baquero shows you how to make sure your bill is correct.


This is a video:

http://www.nbcnewyork.com/video/#!/ne ... Following-Sandy/179019761

This is from the Verizon message board:
-----------------------------------------------

Information on Credit for Loss of Service due to Hurricane Sandy

11-07-2012 12:52 PM - edited 11-07-2012 12:55 PM

Hi All-

Verizon is offering credit to all those who lost services due to Hurricane Sandy as well as waiving fees associated with equipment replacements. In order to get credited, you must report an issue. If you haven't done so yet, you can do so by going to Verizon.com/repair and following the proper steps there.

In addition, Verizon Wireless will be crediting customers for voice and text overages for customers in New York and New Jersey counties affected by Hurricane Sandy. For additional information regarding wireless credits, please see http://t.co/yexyu10T

I hope that helps!
-Heather

http://forums.verizon.com/t5/General- ... rricane-Sandy/td-p/499593

Verizon Wireless Offers Credits to Superstorm Sandy Victims

Customers in NYC/NJ will be credited for voice and text overages

11/08/2012
By James R. Hood


Verizon Wireless today announced customers in counties of the New York Metro Area and New Jersey impacted by Hurricane Sandy will receive credit for voice and text overage charges. The voice and text credits will be automatically applied to accounts for usage between Oct. 29 and Nov. 16.

Customers in the following counties in New York Metro Area and New Jersey will be credited for voice and text overage charges between Oct. 29 and Nov. 16:

New Jersey
•Atlantic County
•Bergen County
•Burlington County
•Camden County
•Cape May County
•Cumberland County
•Essex County
•Gloucester County
•Hudson County
•Hunterdon County
•Mercer County
•Middlesex County
•Monmouth County
•Morris County
•Ocean County
•Passaic County
•Salem County
•Somerset County
•Sussex County
•Warren County
•Union County



New York
•Bronx County
•Kings County
•Nassau County
•New York County
•Putnam County
•Queens County
•Richmond County
•Rockland County
•Suffolk County
•Westchester County

Customers in the impacted areas who have questions about credits to their accounts should contact Customer Service at 1-800-922-0204, Contact Us, or on Twitter through www.twitter.com/vzwsupport.


http://www.consumeraffairs.com/news04 ... storm-sandy-victims.html#

Verizon Wireless waiving charges during Hurricane Sandy and beyond



Verizon Wireless will be giving customers in areas hit by superstorm Sandy, including Bergen and Passaic counties, free phone and texting service for the period starting Oct. 29 and ending Nov. 16.

Domestic voice and text usage will be automatically removed from accounts for those activities, so customers will not be billed additional usage charges for that period, the Basking Ridge-based company said on Monday.

The waiver of charges is in effect for Verizon Wireless users in 21 counties in New Jersey and 10 New York counties. Cellphone Internet service is not included.

"We put customers first, and we recognize how important it is to do something proactively for our customers when they need it most," Andrea Kimmet, spokeswoman for Verizon Wireless's Northeast region, said Tuesday.

Verizon Wireless joins a number of cable and phone providers who are making accommodations and offering price breaks to customers impacted by Sandy. AT&T Inc. is extending its late-payment window for wireless and wireline customers who are behind. It will waive late fees and will not disconnect services because of non-payment.

Cablevision, Comcast and Time Warner Cable are offering various rebates to customers who lost service due to the storm and its power outages.

"We want to do everything we can to make things even a little easier as they go through this difficult time," Comcast spokesman Jeff Alexander said in an email.

"We will handle each customer on an individual basis so we can be sensitive to their specific needs and circumstances," he said. Alexander said customers can call 1-800-COMCAST or visit a local service center for assistance with damaged equipment, credits and other storm-related concerns. Customers who contact the company and identify the time period during which they did not have access to Comcast services will receive a credit.

Even though phone and texting service is free until mid-November, Verizon Wireless advised customers who are auto-enrolled for text-message alerts, which notify customers when their allowance usage is at threshold levels, that they will still get those warning notices. Customers have the option to opt out of receiving these messages by going to Verizon Wireless My Account online.

As of Monday, Verizon Wireless was operating more than a dozen generator-powered mobile recharging stations in hard-hit areas of New York and New Jersey. Overnight the company staged new recharging vehicles in Staten Island and Toms River.

In addition to recharging wireless devices, many of these Wireless Emergency Communication Centers offer additional services, including free Wi-Fi Internet access, free calling from phones on the vehicles, and in some instances, tablet and computer workstations.



http://www.northjersey.com/news/17749 ... _and_beyond.html?page=all

U.S. Postal Service resumes deliveries on all northern N.J. routes


http://www.nj.com/news/index.ssf/2012 ... html#incart_river_default

They should make a public announcement if our mail is destroyed. Why isn't this in the news?

Knowles stressed that it was strictly the mobile sites that were closed.

http://newyork.cbslocal.com/2012/11/0 ... centers-due-to-noreaster/

Goodwill Relief to Hurricane Sandy Victims


Goodwill NYNJ wants to thank all of you who have donated and volunteered to help communities affected by Hurricane Sandy. As an organization committed to supporting our city, we would like to offer anyone who has been adversely affected by Sandy to visit our stores and receive any items needed.

Goodwill NY-NJ will be working with WPLJ and Modell’s Sporting Goods Stores to collect goods in over 90 store locations and distribute much needed clothing throughout the Greater New York and New Jersey area. We are also working with United Way and other helping organizations, shelters throughout the northeast to receive and distribute much needed items such as temporary mattresses, blankets, basic survival items including water and blankets.

To assist the American Red Cross, blood drives will be held at Goodwill’s Astoria and Harrison headquarters. We will continue to work with our partners to meet the needs of our community members who experienced the devastating impact of Sandy.

Storm Victims
• Our stores will provide free clothing or household goods for victims of Hurricane Sandy who lost property due to flooding.
• Storm victims who need to replace what they lost may “shop” throughout the store for $50 worth of clothing (per family member) and household goods. provided free
• The value of the items provided can go up to $50 for each family member (present or not).
• All sales are final, with no returns permitted.

Donations for Storm Victims
• Goodwill will accept donations of clothing and household goods intended for storm victims at any of our stores or DonationXpress centers. Locate the nearest Goodwill store at our store locator.
• To ensure that individuals and families get what they need, our entire store inventory is available, and will not be limited to specific items.
• Donors will be given receipts upon request.

Corporate Donations

For large donations provisions can be made for pickup. For more information and to arrange pickups please contact Martha Gotwals (718) 371-7285 or mgotwals@goodwillnynj.org


http://www.goodwillny.org/news-events ... f-hurricane-sandy-victims


Jersey City Store (Store & Attended Donation Center)
2815 John F. Kennedy Boulevard
Jersey City, NJ 07306
201-946-6735

Monday-Saturday 9:30 a.m.-7:30 p.m.
Sunday 10 a.m.-7 p.m.

FEMA Disaster Centers Shut Doors 'Due to Weather'

TOTTENVILLE — They fly into disaster areas, but flee from raindrops.


Read more: http://www.dnainfo.com/new-york/20121 ... due-weather#ixzz2BZKGaw2w

I wish that lady would talk faster.