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Re: Followed home last night from Grove Street PATH
#1
Home away from home
Home away from home


I suggest the insults on my personality go under General Discussion, call it "Creative Conquests is a Drama Queen" and cut me down a thousand ways to Friday, I don't care.

I won't allow the lowest common denominator on this board reduce on my experience. I was followed. Why judge ME about it and how about instead, EMPOWER others to do it right. To keep with the original purpose of my post:

From ehow.com
HOW TO PROTECT ONESELF IF BEING FOLLOWED HOME:

While walking home
Step
1
Cross the street and notice to see if the person you suspect is following you also crosses.

Step
2
Walk to a well lit area as quickly as possible. If there is a business near by, such as a store, that is open, go into the store. If there is not a business around, keep walking and if the person following you gets closer, start running. If you need to attract attention, yell "Fire."

Step
3
Tell the person inside of the business that you are being followed and ask to use the telephone to call the police.

Step
4
Provide the police with as accurate of a description as possible of the person who was following you if the suspect leaves before the police arrive. It is also good if you can tell the police what direction he headed in when he left your location.

While driving home
Step
1
Change directions and start driving the other way. Pay attention to see if the car is still following you.

Step
2
Drive to the closest Police of Fire Department if there is one near by. Blow your horn when you get into the driveway if the other car pulls in behind you. Keep blowing your horn until a Police or Fire man comes out of the building to assist you.

Step
3
Pull into a well lit parking lot of a business that is open if there is not a near by Police or Fire Department. Again, do not get out of your car. Blow your horn to attract attention and wait for people to come out of the business to assist. Chances are good that once you start attracting attention the person following you leaves.

Step
4
Call the Police from your cell phone or ask to use the phone at the business. Give the police the make, model and color of the car that was following you. It is also good if you can tell them the license plate number, the direction that the car went when it left you, and a description of the driver if you were able to see her.

----
Want to say good-bye to those I cared about over the years on this site who provided with me fun drivel, hilarious insights, serious debate, helpful updates, drunken regretful posts and the like. Thanks to Webmaster for providing this community tool. It was entertaining and informative for a while. But the responses on my post on Crime & Safety are a sign the bottom feeders are seeking fuel and they've found a home. I'm out.

Posted on: 2010/2/17 14:46
 Top 


Re: Followed home last night from Grove Street PATH
#2
Home away from home
Home away from home


I put this up as a service to other woman. Just in case. But wow, in true JCLIST fashion - some of you will never cease to amaze me. Your comments are beyond hurtful and really represent the sour note on this site. But this time, I won't write off jclist for the sad individuals who feel entitled to put me down or dilute my intention or think reliving a post from over a year ago about ice cream is worth bringing up when I am placing something important and factual in CRIME & SAFETY. But rather, I encourage other women who when faced with these circumstances, stay strong on how they handled it and please don't let these trollers deter you from posting so we can always be more safe than sorry in this community.

Maybe this will be more useful if people posted how they've approached these situations in the past and we can learn from it. Fear at the moment something happens that threatens our safety can make our judgement do funny things and knowing more is power.

Maybe we can learn how to be KIND and EMPATHETIC too rather than calling a female concerned for her safety STUPID and DUMB or MELODRAMATIC? Or accuse me of patting myself on the back for taking steps at the time to protect myself? Or that my imagination got the best of me? Do you really believe your comments to be appropriate? Should I have your voice in my head next time this happens and doubt myself and think I'm just being 'dramatic' and press on home ignoring my intuition that perhaps something is amiss? HURTFUL and just plain, pathetically WRONG.

Posted on: 2010/2/17 7:31
 Top 


Re: Followed home last night from Grove Street PATH
#3
Home away from home
Home away from home


Quote:

heights wrote:
Quote:

creativeconquests wrote:
Quote:

SICULO wrote:
Is it safe to assume that by the time your husband met you, this stalker was allready gone?

You didn't provide those details?


As far as we know, yes. When my spouse came (I had texted him a full description just in case he ran in to him loitering outside still) he didn't see the man. We stayed an hour at the restaurant just to make sure (didn't want him following me home). We planned to take a cab to reduce on that risk, but felt we were cautious enough and didn't notice anyone following us home.

You should have taken the cab to reduce that risk. Now the real question is what is your agenda for the next commute coming home from work ? You should take different routes, at different times. If you sense him again notify the POLICE !


I agree. My biggest regret is not cabbing it. But we were very cautious and didn't see anyone and probably wait more like 90 minutes first. Thanks for your concern. Very nice.

Posted on: 2010/2/16 20:32
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Re: Followed home last night from Grove Street PATH
#4
Home away from home
Home away from home


Quote:

SICULO wrote:
Is it safe to assume that by the time your husband met you, this stalker was allready gone?

You didn't provide those details?


As far as we know, yes. When my spouse came (I had texted him a full description just in case he ran in to him loitering outside still) he didn't see the man. We stayed an hour at the restaurant just to make sure (didn't want him following me home). We planned to take a cab to reduce on that risk, but felt we were cautious enough and didn't notice anyone following us home.

Posted on: 2010/2/16 18:19
 Top 


Re: Retail in Hamilton Park
#5
Home away from home
Home away from home


I totally see Grove Street and Newark Ave. (and the little off shoots of streets in that area) being that place. Didn't the city pass something a few months back declaring Newark restaurant row?

Posted on: 2010/2/16 17:19
 Top 


Re: Followed home last night from Grove Street PATH
#6
Home away from home
Home away from home


Quote:

Bike_Lane wrote:
Did he look like this?

http://www.youtube.com/watch?v=OVDtzBeap7I


I wish. If that fella sat down beside me with that 'stache and red latex suit......meow!

Posted on: 2010/2/16 17:05
 Top 


Followed home last night from Grove Street PATH
#7
Home away from home
Home away from home


I was followed home yesterday coming out of the Grove Street PATH station by a man. I realized what was happening very quickly when I felt someone close to me in my peripheral who I just couldn't shake. Although a lot of foot traffic at 7:30 at night walking on Newark, my instincts told me something was up when I slowed or sped up my pace - he kept pace, if I stopped, he would duck in to a storefront doorway and wait, when I crossed the street, he did. I quickly ducked in to a restaurant to call my husband to pick me up. After several minutes, the man was bold enough to enter the restaurant and sit down at the bar beside me. I immediately went to the restroom and when I returned I saw him lurking outside periodically peeking through the window. I'm sure he thought he was stealth in his lurking moves and went unnoticed but he underestimated a woman's intuition and instincts. I couldn't see him there after about 20 minutes. My husband came and we walked home unfollowed.

Who knows, he could have been a romantic building up the courage to ask me on a date, LOL - but in these parts? Bad judgement. Either way, if any other females are being followed off the Grove Street PATH train by a tall, slim Indian man, in his late 20's/early 30's, smoker, longish hair down to his chin, kind of hipster, about 6'2", wide bridged nose, jeans, navy sweatshirt with hoodie...he either wants a date or something sinister....if you are the dude reading this, maybe find another way to meet a woman. If you were up to something sinister...you are on notice pal.

Posted on: 2010/2/16 15:11
 Top 


Re: Retail in Hamilton Park
#8
Home away from home
Home away from home


Quote:

Xerxes wrote:
Yes, I can understand why someone would not want to eat at the Mall's Food Court. But have any of you looking for some decent food in a nice setting eaten at The South City Grille, Michael Anthonys (with the best restaurant view in the city,) or the steakhouses in either the Westin or the Double Tree?

Why not? Is 4 or 5 blocks too far to travel? Must a restaurant be on your block? If you take the PATH to work, then these restaurants are as close to you as a restaurant can be.

For those who want to buy gifts, does Macy's lack something that some cutesy local candle shop, or handmade soap shop has? (The Mall BTW DOES have a cutesy candle shop.)
Would you prefer to buy your Wranglers or Dockers at Ye Olde Jeans Shop at twice the price that SEARS, PENNEY'S, or KOHL'S charges? In fact if you work in Manhattan you can merrily buy your jeans for $200 on 14th Street around 11th Ave...a couple of ADORABLE shops for those with more money than brains.


I appreciate all your comments. They are very interesting and an opinion based on you living here. However, I'm very curious about someone doing a real business plan, taking out opinion, rather a focussed one that reviews everything related to what it takes to open a business here. I also wonder if these boutique stores did their comprehensive business plan first. I have my opinions on what I think this neighborhood should do, but it doesn't mean my opinion would result in my action to patronize these businesses. There is most certainly a difference. Detailed surveys, focus groups - all the due diligence of a good business plan would weed that out and we'd all learn what is currently needed, wanted and would at least succeed on paper.

Your opinion may represent many people, but I believe mine must too.

I know a very intelligent, successful business man who walked around our neighborhood and said "there are a lot of stores with a lot of ideas but it doesn't look to me like any of them had the business sense first to see if they'd succeed here". He was talking about a funky Tailor shop nearby and a boutique etc....time will tell.

I do know, however, that if I live here and know what I like and love, my peers and friends live here and are of the same like mind....then we all have something to offer businesses if they figured it out properly....and I'd do that over any shopping mall. Period. I'm more tempted over an experience, local interactions, style, and a few more bucks than a shopping mall. We just bought accessories at the local camera shop because we wanted to support a local business. Some people think that way.

I don't have a bonnet, or a poodle, but when I go to the outskirts of Williamsburg and shop at Buffalo Exchange, or the second hand/new items stores that pop up in Williamsburg... they are making a killing...and their price point is not for the elite. They are merely a hipster second hand store.

And I'm pretty sure it's my brains got me my hard earned, well deserved, funds and therefore, I can most certainly choose to purchase a pair of jeans at any price because that is my right (but I'd much rather find a fantastic pair of second hand designer jeans and be excited by the 'find'). That is why a business plan is fantastic, it rules out people's prejudice and opinion and identifies the truth of what is really going on in a community through analysis and other factual not-emotional, methods.

Posted on: 2010/2/15 13:13
 Top 


Re: jclist.com exploded
#9
Home away from home
Home away from home


Wow, I'm in that area all the time. It's a miracle no one was hurt.

Posted on: 2010/2/15 12:57
 Top 


Re: Retail in Hamilton Park
#10
Home away from home
Home away from home


I really like that new retail store at the bottom of Hamilton Square Park. It reminds me of ABC Home & Carpet in the city, same items but price point lower. The tough thing about it is that I have gone in four times wanting to buy something, wanting to support them but I just can't find something that I can simply buy unless I go for soaps. Why? Well, I guess it's specific, if I wanted new dishes, or glasses or new design/decorating items I would go there - but I don't. I am going to try and support them as much as I can, the hardest part with this retail is that they need a LOT of inventory so there is something for everyone (who likes that style and pricepoint). I really want to support them though. I love their design, love the style of the store and I adore what they are trying to do, it's fantastically hip. I just hope it's not premature for the area. :)

There's a store in Tribeca that only sells axes, who knew - but their philosophy and coolness really made them successful, LOL. If I find the link, I'll post it.

Posted on: 2010/2/13 13:56
 Top 


Re: Retail in Hamilton Park
#11
Home away from home
Home away from home


Quote:

Xerxes wrote:
Hamilton Park is NEXT DOOR to a MALL.

The chance of cutesy shops surviving next door to a mall is about as good as a wine store surving next door to a Best Buy or a little overpriced hardware store next door to Home Depot.

If you want cutesy you have to buy property in Saddle River, Rumson, or Easthampton. We get mega-shopping instead.

"Oh goodness Muffie, a BRIE SHOPPE opening betweeen YE OLDE CUCKOO CLOCK and LOXETERIA!"

Retail in Hamilton Park? NONE!


I may be the target market exactly for more upscale retail near Hamilton Park. I'd rather go to a wine store that is small and has more specific wine offerings, I'd rather go to Renovation Hardware than Home Depot. I enjoy the experience along with my purchase moreso than forcing myself to go to Newport Mall which feels like a chore to me. And I think your quote, "Oh goodness Muffie, a BRIE SHOPPE opening betweeen YE OLDE CUCKOO CLOCK and LOXETERIA!" may be straight from Harry Potter's non-muggle mall.

Posted on: 2010/2/12 21:10
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Re: Ready to give up living in this city...
#12
Home away from home
Home away from home


Quote:

heights wrote:
Quote:

creativeconquests wrote:
I don't rent. I wish I did. I've also experienced corruption with the city first hand. It has cost me thousands. My taxes exceed $9K and counting this year. I apparently have an abatement, so over $11K when that expires, maybe even closer to 12-13K/year. My neighbors own an entire brownstone, taxes haven't been assessed in years (although property worth over a million) and they pay just over $3K/year. I own a condo.

I love it ! Years ago the city reaped one tax check per building, now with all of these condos it is one tax check...per window well at least per apartment. $9 grand are you nuts ?? Some homes in J.C. are assesed at under a hundred grand. You must be living in the Taj Mahal and even there the taxes are lower than J.C. or at least what you are paying.


Yes, yes I am nuts.

Posted on: 2010/2/5 22:17
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Re: Hoboken: Two Pit bulls Attack Three People in Upscale Residence -- Police Forced to Kill Both Do
#13
Home away from home
Home away from home


I think the lesson here is when the police say, "don't enter", perhaps one should listen.

Posted on: 2010/2/5 18:24
 Top 


Re: Ready to give up living in this city...
#14
Home away from home
Home away from home


I don't rent. I wish I did. I've also experienced corruption with the city first hand. It has cost me thousands. My taxes exceed $9K and counting this year. I apparently have an abatement, so over $11K when that expires, maybe even closer to 12-13K/year. My neighbors own an entire brownstone, taxes haven't been assessed in years (although property worth over a million) and they pay just over $3K/year. I own a condo.

Posted on: 2010/2/5 18:22
 Top 


Re: Ready to give up living in this city...
#15
Home away from home
Home away from home


Um, how did this thread take a turn like this? Sigh. Thanks to those who kept it on the topic. You are right about contemplating renting. What I'm doing is pretending I rent my home right now. I like the landlord. They fix things when I need it done. The Strata Council can be douches but I let my landlord deal with them. ;)

Posted on: 2010/2/5 14:52
 Top 


Re: Ready to give up living in this city...
#16
Home away from home
Home away from home


I appreciate the posts. I don't know if it's enough to come around. Maybe I'm just not adult enough to lump the realities of losing so much money in a fraudulent purchase, manipulative builders, corrupt government, apathetic strata councils hoping problems just dissolve, and people who walk through doors talking on their cell phones when I open them and can bare to whisper a thank you, ....I understand why many of my peers remain in this area for a 5-7 year period and then leave. They make their money and take off, or have their babies and move away. Something happens to YOU, not necessarily the city changes - what is that saying, "leave New York before it makes you hard?"''Leave LA before it makes you soft". I am not young anymore and not as eager to take on the world. But I don't want to force myself to be inspired when what I see around me are people taking advantage of the system, ripping other people off, corruption....

I just see city workers with short term memories screwing me over and again, I hate (and rarely) play the victim, but in the situations I've experienced I can't believe the truth isn't good enough.

I am not naive to think other city's are better, I just know I've lived in them, and they have their flaws but there's an overall goodness that prevails. People smile. Say thank you. Dignity prevails. Again, nothing has changed here but my perception and the size of my bank account thanks to these taxes. Steven Fulop seems to be a great person. Does he to therapy sessions too?


Posted on: 2010/2/4 16:58
 Top 


Re: Ready to give up living in this city...
#17
Home away from home
Home away from home


Quote:

DCofJC wrote:
Do what your heart tells you, but I will say....

there are a lot of people around here that do amzing things. A lot of people give a damn. Surround yourselves with those people. I highly recommend you volunteer for someone like say....Steve Fulop. He cares. He calls people out on the things you despise. Or look at the type of people he surrounds himself with. I rarely say this about any politician, but I believe he could change this city, and he already has.

I personally have the luxury of spending time with people that care. Business owners, artists, developers, community activists, and they need help, or input. If you have the time to help these people, and actually spend time with these people, you will find that positive things are happening all around us. There's a looooong way to go, and there are struggles but it's like rooting for the underdog.


Thanks for that post. You are right. I am using all my time, energy & money towards the issues I encountered in my home based on city and builder negligence (a story I won't go in to, too private, too stressful, just trust me when I say due diligence was done). Before this occurred, my first two weeks of initial bliss moving here I was going to volunteer for the Embankment cause, I was going to the council meetings, I was GUNG-HO! My spirit and wallet have died over the course of 3 years....

Posted on: 2010/2/3 22:06
 Top 


Re: McCann to sue Fulop
#18
Home away from home
Home away from home


And my point in my other thread stands. Get me out of here. THIS IS OBSCENE.

Posted on: 2010/2/3 21:57
 Top 


Re: Ready to give up living in this city...
#19
Home away from home
Home away from home


I would stay if I was a renter. But as of now I will be paying huge property taxes and dealing with the city as an owner in JC is by far the most frustrating experience I've ever had in my lifetime. If I had the time and energy to share the stories, I'm sure other homeowners could tell me the same. The city does not work for the taxpayer. It's beyond shocking. I have experienced with the city (particularly the permit and codes department) crooked behavior, illegal situations, contradictions of huge proportions, negligence at the risk of myself and my family.

If only I was renting I'd love this city and let go of the feeling I need to depend on the city in some manner. I'd use the area for it's nice parks, location to Manhattan, play with the people I've met, I'd invest in it without putting my blood, sweat and money of huge proportions. You caught me on a bad day, sigh. I've never run from anything but this is a fight that gives me so much fatigue and angst, I'd rather sell and live somewhere else. I'm looking.

Posted on: 2010/2/3 21:12
 Top 


Re: Ready to give up living in this city...
#20
Home away from home
Home away from home


I like the geography. The location. The park. My friends.

But I paid good money for a bad home the city said was safe and was not. I did my due diligence. I did everything within the power as a citizen, a taxpayer, a resident does to protect themselves, I did what the books tell you, online tells you, Suze Orman tells you, your parents tell you, your intuition tells you but the city did not protect me. I won't go in to detail, but that cost me a bundle of money and now I am hit with more taxes to help a city that is so dysfunctional it cannot help itself?

I can see my money spent better elsewhere where I can witness my taxes at work. I am actively seeking out of this place. And I am dead serious when I say the only catalyst to this was the pathetic realities of how the government system is so corrupt here it costs taxpayers MORE to protect themselves from the system we PAY to protect us.

Posted on: 2010/2/3 17:26
 Top 


Re: Ready to give up living in this city...
#21
Home away from home
Home away from home


I'm just surprised at myself. I am truly ready to give up. The fight is gone.

The latest property tax hike has me so incredibly cynical. I received an article from a friend who lives in Northern Canada highlighting how the most corrupt place in the United States is where I live, Jersey City, NJ. We have the worst reputation for paying off our officials. Reputable builders and contractors don't want to work in this area because of the city's reputation for manipulation, corruption and disorganization, pay-off's. Even two state judges I've encountered say you don't want to mess with Jersey City because of their reputation of being corrupt.

Doesn't that mean, anywhere else is better? If I can't trust my hard earned money going to anything I pay for, if I'm paying MORE taxes for this type of corruption to occur, how can I feel confident living here anymore? I honestly feel done. I feel like they've won. I want to live somewhere where I trust my government is doing the job my taxes pay for. I'm not naive, but I'm just used to living where the system works for the citizens a little more than ours.

I can't believe it's 2010 and we are still putting politicians in jail.

Posted on: 2010/2/3 15:32
 Top 


Re: Ready to give up living in this city...
#22
Home away from home
Home away from home


....and sarcasm. Maybe I just feel a little deflated and beaten down by the negative things that I'm experiencing in this city right now. Maybe my thoughts and energy spent being positive are deflating and I'm looking at other options. But I forget what a fool I am to share that on this message board. Let the insults begin.....Fire away!

Posted on: 2010/2/3 15:13
 Top 


Ready to give up living in this city...
#23
Home away from home
Home away from home


a) Property Tax Increase.
b) Corruption in local Jersey City government. Do you see it going away? Try dealing with the permit offices, the 'volunteer' board governing the permit offices, try the words 'selective memory'.
c) Shoddy workmanship in 'new' renovated homes, do you want to buy something here?
d) Flood zone. Insurance costs living in a flood zone.
e) Another water main break.
f) PATH trains on weekends.

I am starting to lift my white flag.....

Posted on: 2010/2/3 13:36
 Top 


Re: flood insurance for high rise condo in downtown jc?
#24
Home away from home
Home away from home


Quote:

chiefdahill wrote:
Quote:

creativeconquests wrote:
Quote:

creativeconquests wrote:
I just renegotiated my mortgage a few months ago. Paid a significant amount down to get it in a great place. They scrutinized our Condo and home insurance and required us to get more which cost us about $490 more per year.

They sold the mortgage to CHASE before our first payment was even due. Now CHASE is telling us our flood insurance isn't enough (from my knowledge we pay through the balls for insurance already condo-association wise and personally) and they now say we require an extra $250K worth of insurance. That will be several thousand dollars more per year for us.

They tell us if we don't get more insurance within 45 days to the date of the letter they'll charge us for THEIR insurance. Either way, it didn't make this new mortgage worth it now that I'll have $37,500 more insurance costs over the next 15 years? I would have gone with another mortgage or negotiated differently.

Is this even legal? What happens if CHASE sells it and the insurance requirements change again?

I re-negotiated this mortgage thinking it was the right one for me, upped my insurance PRIOR to signing, knew what I was getting in to, sent the underwriters everything they required to CLOSE the mortgage. They sell it and suddenly I am forced to pay thousands more in insurance that seems unrealistic, unnecessary and with my taxes already increasing - down right impossible?


We provided all insurance coverage, including our flood insurance certificate for the whole building to the original underwriters. They asked us to up our insurance (at a cost of $490/year) and we obliged. We signed the papers. Closed the mortgage and were done. Chase is asking to see all of our flood insurance information again. I talked to our mortgage broker and they re-sent all the papers that they stated CHASE already had and said it was a mistake by Chase not communicating internally. Then we suddenly receive a request for all of this AGAIN from Chase stating we are $250K short on flood insurance. This would mean they are requiring our unit to pay flood insurance for the ENTIRE COST OF THE WHOLE BUILDING. Not just our unit. But our Condo already has flood insurance for the whole condo. Like I said, this would be an extra $75K out of our pockets over the course of our 30 year mortgage.

We cannot ask our Condo Association to front the costs of this. They aren't renegotiating their mortgages and it's not fair to them. I just don't see how we could have signed all the papers, closed the deal and then they can force us to get more insurance. Insurance that essentially is saying we would have to flood all the way up to the third and fourth floor of our condo. Which would essentially mean the entire eastern seaboard would be under water.

Is this legal?



Keep calling them, don't take this lying down. I would also go to a Chase branch and ask to speak with the manager and explain the situation. Dealing with the 800 number is going to go nowhere as you talk to a different person every time. Seriously go to the branch on Columbus and don't take no for an answer.

This is my business and they can't force you to pay flood insurance for the whole building. If they F'd up they are going to have to eat it. Looks as though they are trying to sell to either Fannie or Freddie and the loan got kicked back. They will now have to hold it in their portfolio. Portfolio loans are not bound by Fannie/Freddie requirements so tell them to jump in the Hudson and swim back to Manhattan.


You are correct, they are trying to sell to them and evidently this was the issue. Ridiculous!

Posted on: 2010/2/2 15:05
 Top 


Re: flood insurance for high rise condo in downtown jc?
#25
Home away from home
Home away from home


Quote:

Crazy_Chester wrote:
$250k would be coverage for a single unit, not an entire building. What your association probably has is coverage for the replacement cost of the entire building, which would be cheaper than paying for $250k of coverage per unit. However, the bank probably wants $250k coverage for your individual unit. The coverage that your association has probably works out to less than $250k per unit, so they want you to cover the rest. This has been our experience, anyway.

Ask them for something in writing that says that $250k of coverage is required. If they can provide it, I would bet that it also indicates something to the effect that if the entire building's replacement cost is covered, then you do not need to cover anything else.

In your situation, you already have the mortgage, so I don't understand how they can change the terms. Have them provide you with the section of the contract requiring flood insurance.


I should mention it's $250 MORE than the already significant amount we cover, which is already the value of our unit, +more. However, I have contacted CHASE and they are now telling me it was a clerical error and our insurance is fine. Sigh.

Posted on: 2010/2/2 15:04
 Top 


Re: flood insurance for high rise condo in downtown jc?
#26
Home away from home
Home away from home


Quote:

creativeconquests wrote:
I just renegotiated my mortgage a few months ago. Paid a significant amount down to get it in a great place. They scrutinized our Condo and home insurance and required us to get more which cost us about $490 more per year.

They sold the mortgage to CHASE before our first payment was even due. Now CHASE is telling us our flood insurance isn't enough (from my knowledge we pay through the balls for insurance already condo-association wise and personally) and they now say we require an extra $250K worth of insurance. That will be several thousand dollars more per year for us.

They tell us if we don't get more insurance within 45 days to the date of the letter they'll charge us for THEIR insurance. Either way, it didn't make this new mortgage worth it now that I'll have $37,500 more insurance costs over the next 15 years? I would have gone with another mortgage or negotiated differently.

Is this even legal? What happens if CHASE sells it and the insurance requirements change again?

I re-negotiated this mortgage thinking it was the right one for me, upped my insurance PRIOR to signing, knew what I was getting in to, sent the underwriters everything they required to CLOSE the mortgage. They sell it and suddenly I am forced to pay thousands more in insurance that seems unrealistic, unnecessary and with my taxes already increasing - down right impossible?


We provided all insurance coverage, including our flood insurance certificate for the whole building to the original underwriters. They asked us to up our insurance (at a cost of $490/year) and we obliged. We signed the papers. Closed the mortgage and were done. Chase is asking to see all of our flood insurance information again. I talked to our mortgage broker and they re-sent all the papers that they stated CHASE already had and said it was a mistake by Chase not communicating internally. Then we suddenly receive a request for all of this AGAIN from Chase stating we are $250K short on flood insurance. This would mean they are requiring our unit to pay flood insurance for the ENTIRE COST OF THE WHOLE BUILDING. Not just our unit. But our Condo already has flood insurance for the whole condo. Like I said, this would be an extra $75K out of our pockets over the course of our 30 year mortgage.

We cannot ask our Condo Association to front the costs of this. They aren't renegotiating their mortgages and it's not fair to them. I just don't see how we could have signed all the papers, closed the deal and then they can force us to get more insurance. Insurance that essentially is saying we would have to flood all the way up to the third and fourth floor of our condo. Which would essentially mean the entire eastern seaboard would be under water.

Is this legal?

Posted on: 2010/2/1 15:13
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Re: flood insurance for high rise condo in downtown jc?
#27
Home away from home
Home away from home


I just renegotiated my mortgage a few months ago. Paid a significant amount down to get it in a great place. They scrutinized our Condo and home insurance and required us to get more which cost us about $490 more per year.

They sold the mortgage to CHASE before our first payment was even due. Now CHASE is telling us our flood insurance isn't enough (from my knowledge we pay through the balls for insurance already condo-association wise and personally) and they now say we require an extra $250K worth of insurance. That will be several thousand dollars more per year for us.

They tell us if we don't get more insurance within 45 days to the date of the letter they'll charge us for THEIR insurance. Either way, it didn't make this new mortgage worth it now that I'll have $37,500 more insurance costs over the next 15 years? I would have gone with another mortgage or negotiated differently.

Is this even legal? What happens if CHASE sells it and the insurance requirements change again?

I re-negotiated this mortgage thinking it was the right one for me, upped my insurance PRIOR to signing, knew what I was getting in to, sent the underwriters everything they required to CLOSE the mortgage. They sell it and suddenly I am forced to pay thousands more in insurance that seems unrealistic, unnecessary and with my taxes already increasing - down right impossible?

Posted on: 2010/2/1 14:09
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Re: Wayne St - Bike stolen right out of my apartment
#28
Home away from home
Home away from home


Quote:

slim26 wrote:
Around lunch time today, some scumbag walked into my brownstone (in the hallway leading to the apartment), took a book off the wall and stole it. All the time with me sitting about 15 feet away on the other side of the wall.

Unfortunately, the outside gate to the apartment was cracked open for them to get in, and I had the blinds on my front windows closed so I didn't see anything. Amazing that I didn't even hear anything.

Luckily they must not have had time to take the other bike or anything else.

If anyone has seen any thugs making off with green trek near Wayne and Barrow, please let me know.

Thanks.


What area is this in? It would be great to know for block watch reasons. If someone is brazen once and realizes the goods in brownstone lobbies is worth it...they could be making their rounds....

Posted on: 2010/1/16 14:32
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Re: Anyone know what the cost of TAXI should be from Hoboken PATH to downtown HP?
#29
Home away from home
Home away from home


But I am pretty sure there is a set rate they are legally required to follow. I once had a cab driver show me a laminated sheet they use but I find now they just pause for a moment before telling me varying rates.

Posted on: 2010/1/14 13:29
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Anyone know what the cost of TAXI should be from Hoboken PATH to downtown HP?
#30
Home away from home
Home away from home


I was charged $11 today for shared cab ride from Hoboken PATH train to Hamilton Square Park. When I told him that seems expensive he asked what I am normally charged and that he'd take that. Do they always try to rip you off? How do I make sure I know what the proper fixed rate should be instead of the whim of the cab driver trying to rip me off? It seems like it's different everytime.

Posted on: 2010/1/14 2:59
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