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Below are the 19 most recent journal entries recorded in NYC's LiveJournal:

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Tuesday, July 8th, 2014
11:15 pm
Financing your small business with your 401k?
Entrepreneurs that are struggling getting financing for their new company might consider a new source for a business loan, their existing 401k assets. Most people don’t realize that this is an option, and the brokerage houses don’t want the idea to gain traction, since they lose revenue when you take your assets away from their fee skimming accounts.

The concept is sound, but likely requires a professional to execute it. You create a corporation, and create a 401k program there. You roll your existing 401k over from where it stands to the new corporation 401k. Following these steps, there are neither penalties nor taxes due. The assets are still growing with the same taxation as before. Your new 401k buys shares in the new company to fund your business needs outside of your own salary. There are some details that need to be followed, but a good advisory firm can make this happen.

This is a good solution for the “would be” business owner that has become disenchanted with the risk\reward that Wall Street offers. Many candidates for this kind of transaction feel very certain in their idea, and their ability to execute their idea to success.

From a diversification perspective, this kind of move seems risky. Often assets that were spread across a number of mutual funds are now being placed on the fortunes of only one company. Your broker or mutual fund servicer will say something like this to you. This is a fair observation, and you should consider the lack of industry or company diversification with this kind of transaction.

We have noticed that ourentrepreneurial clients appreciate that control, and are willing to “bet the farm” on themselves and their business ideas. Industry data shows that over 80% of companies financed this way are still in business 4 years later. This is much higher than the expected small business success rate of only 20% after that same period of time. Could it be that the determination and guiding hand of the entrepreneur makes a difference? Our clients sure think so.

If you would like to learn more about this program, and if you might be a good fit for this please contact us for a complimentary consultation at (888) 212-7430. If this is the right answer for you, we can create the new entity, and the new entity 401k plan and take care of the funds transfer. This might be the answer to getting your new company up and running toward a successful future!

Current Mood: new
Tuesday, September 7th, 2010
9:32 pm
Apartment Hunting For Dummies, Part II.
Is there somewhere I should be looking other than Craigslist? Because it seems like every day it's the same apartments listed sixteen times by the same rental companies ("apts by owner," my ass). Are there better websites that I just don't know about?

I'm looking in Brooklyn. Crown Heights, Bed Stuy, or Midwood/Kensington/Ditmas Park.

x-posted to all the usual suspects
Thursday, July 8th, 2010
10:10 pm
Looking for a job and an apartment
Hi everyone!

I came to NYC for three months (till the end of Sept.). Now I'm in search for a job and an apartment. Maybe someione could help me?

Apartment: either one bedroom (not higher than 400 USD) or two (max 600 USD). I will see any proposal you can make, since I found out that I will be able to live at my friends just two days...

Job: I'm a professional photographer and it would be great if there is a job for me in this sphere. My portfolio is there on my website http://www.ilyafedorov.com/

Feel free to contact me by phione: +13474252842. ( Ilya )

Friday, April 16th, 2010
11:00 am
2-Bdrm for share in Hoboken (Russian Female preferred)

Will share a rent of 2-bedroom in Hoboken with a Russian speaking professional Female. Great location for NYC commuter. Close to Path. Available May 1st. 5th floor of a 5 storied building. $850/month + 1.5 month rent security deposit. Need to have a good credit (would have to replace my current roommate on the lease). Please email to roommatehoboken @ yahoo.com (remove the spaces).

Sunday, March 21st, 2010
4:39 pm
Queer couple looking for roommates.

My partner and I are interested in moving in with another couple. We
have decided that we would like to move in with another couple to
lower the cost of living to less than 600 per person.

A bit about the two of us... my partner is a 24 year old printmaker, 5
college alum who enjoys farming, riding his bike, and baking
vegetarian meals. I am a 23 year old, 5 five college alum and
currently a NYU grad student. I enjoy reading, skinny jeans, and big
chunky sunglasses.

We are interested in looking for a 3 bedroom apartment (possibly 2
bedroom) where the third bedroom can be used as a shared office/studio
for my partner and another potential roommate. It is also extremely
important to us that we have an apartment with a private yard/garden
or closed in roof deck. We are interested in living in the following
Brooklyn neighborhoods:

clinton hill (including bedstuy border)
prospect heights
park slope and south slope
carroll gardens
boerum hill
brooklyn heights

We are looking for a couple/roommates who are:
1. Queer friendly!!! This is an absolute must!!!! You must be
transgender friendly not just lesbian and gay friendly!
2. Pet lovers! We have two cats and a dog (who is the most people
friendly dog you will ever meet!) We would prefer someone without pets
to move in, but we will consider another cat under the right
3. Fairly neat. We aren't total neat freaks but we would not be able
to handle someone who was messy!

Please let us know if you have any questions.

Thursday, March 11th, 2010
1:56 pm
Looking for one bedroom apartment in Queens
Hi, I'm looking for a one bedroom apartment in the College Point/Whitestone/Flushing area, for under $1000. My big problem is that I have three cats and two lovebirds. The lovebirds are negotiable, if worst came to worst they could live at my mother's, but the cats are a neccessity.

Hope someone knows of something.

Edited to add, I should say I'm 48, female, recently single, non-drinker, non-smoker, and quiet.
Sunday, February 14th, 2010
10:10 pm
Beautiful, furnished 1 bedroom apartment available in Prospect Heights, blocks from Park Slope. Come check it out!

Friday, January 8th, 2010
12:49 pm
room search
Hi, I'm returning to Manhattan to go to college and I need to rent a room to live in. I found this website. I've searched through it, I've called the number and I've read the guestbook. It all seems legit, I was just wondering if anyone had heard of it before, or even used the service before. The website is http://www.roomssite.com/. I'm moving on the 16th (classes start the 20th). They claim to get you a room the same day. I hope it's true. 
Thursday, November 5th, 2009
9:13 am
Looking for room or one bedroom/studio from Dec 1
I'm 27, Australian, moving to NYC at the end of the month to live and work for a year as a part of a new exchange program (have the legal right to work in the US).

I'm looking for a room, 1 bedroom or studio. Earliest move in date would be 1st December, but I will be in the country from Thanksgiving. At this stage I'd prefer a month to month arrangement so that I have the flexibility to return home if I decide to. I can definitely commit to December-Feb though.

If it's a room, I'd like to find roommates who are clean, tidy, drug free, respectful and friendly and you will get the same in return. I'm not fussy about area, though I would prefer to be in Manhattan as that's where I'll be working (but can definitely be talked into other Boroughs) and somewhere reasonably safe and close to amenities. I am not much of a drinker or partier though do enjoy the occassional night out (though I'd prefer a night out to dinner with friends and a few bottles of wine) I've just graduated with a creative writing degree, love to read and write, watch TV and go to the movies.
If you have something/know of something or want more information, please leave a comment or send me an email to yearinusa@gmail.com. If you're looking for a roommate, please tell me a bit about yourself when replying.

Sunday, November 1st, 2009
6:44 pm
looking for apt or temp situation for next month or so!
Hello ladies,

I'm Theresa (23 F )whom is an avid art, literature, and fun lover. I am looking to relocate back to BK from Providence for many many reasons ( relationship reasons and desire to get a new, better job and school) I have lived in BK before and I love it because all my friends still live there. Ideally, I am looking to be a 3rd or so in an apt share, hopefully by next month or so. I really care about location, I just don't want to to be in east bushwick because some friends had some home theft happened, I want to be with some other fashionable smart girls to live with so please email me! I enjoy going out but I've slowed down on the drinking, I am more interested in higher though, art, and fashion. 420 friendly

ok go! theresa.alfani@gmail.com
Monday, October 26th, 2009
9:47 pm
$1400/mo 2 bdrm/rr in bushwick
I have a BEAUTIFUL 2 bedroom railroad style apartment available in bushwick/e. williamsburg area
-4th flr walk up in friendly building with wonderful landlord
-close to all. 1 BLOCK TO L. grocery store, laundry, park, trans, dining, shopping,etc. all right outside your door.
-entire apt was renovated a yr and a half ago. hardwood flrs, tin ceilings, all new appliances.
-apt is directly across from the Maria Hernandez Park

(located at the jefferson stop on the L. Starr btw Knickerbocker and Irving)

Unfortunately I am having trouble accessing my photobucket acct. where i had pictures of the apt. saved =/ but it really is beautiful. I lived in the same apartment (just below it on the 3rd flr) for 2 yrs.

Please call me (alanna) at 845-664-3663 or shoot me an email (a.kelly518@yahoo.com) if you would like more info, or if you would like to make arrangements to view the apartment.

Thursday, October 8th, 2009
3:30 pm
$492 Share large room in a comfortable apartment.
I'm looking for a new roommate since one of ours is leaving in January. The apartment has 2 bedrooms (a small one and a larger one as seen in the photo), a living room, a small office and rooftop access. It's located in Crown Heights,Brooklyn- within walking distance of the Brooklyn Museum, Prospect Park, Park Slope, and Brooklyn Botanic Gardens. We're by the 3 train which will take you directly into Manhattan.

The apartment itself has a brand new renovated interior. Rent is $492 a month including hot water. All other utilities are not included but are no more than $90. The large bedroom is cozy and already furnished, the windows face the backyard which is lined with trees, making it a quiet comfortable bedroom with barely any noise coming in from the street. I also have a 6 month old kitten, so you must be ok with cats.

A little about me: I'm in my early 20's, a recent Pratt graduate, friendly, open-minded, and a graphic designer that works from home.
You are: Female, within the same age bracket, friendly, responsible, and relaxed.

I'm interested in finding someone who would like to share the room with me from January 1st until June 1st. Like mentioned before, the room is already furnished, and the bed in the photo splits into 2 twin beds

Rent + deposit is needed. Please respond with a bit about yourself to ensure it would be a good fit.

Thank you!

Tuesday, August 25th, 2009
5:05 pm
Apartment Hunting
My fiance and I are looking for a studio or one bedroom apartment in lower-mid Manhattan or west Brooklyn for under 1500 (seems to be plenty available). The problem is that we are both students receiving housing money from the school. We both work, but don't make the 40-45X the rent because we are full-time students - and we don't have guarantors. Our credit isn't very good and we can't afford to be shelling out 20-75 dollars for credit applications willy-nilly all over town. Fee-brokers are definitely out (we can cover the rent for 6-8 years, but not big fees) and we have had really bad experiences with roommates, so that's out. Anybody willing to rent an apartment to a happy student couple? We need to move in in September and it's getting close...
Monday, August 17th, 2009
10:44 pm
Are you looking to rent a room in Brooklyn in a super duper amazing community?
 Roomate Hunting for Crown Heights, Brooklyn
Looking for a roommate!!
I need a roommate for asap and wanted to give my online semi-friends first dibs. So if you guys are looking or know anyone who is looking feel free to pass this along.
Crown Heights is the dopest!Collapse )

I’m looking for a laid back friendly male or female roommate, as soon as possible. I am taking over the lease of a friend of a friend's apartment.
You would be signing a sub-lease for three months, with possible extension to February (if everything works out), and then you may sign the actual lease.

About me: 26 year old female - I am an extremely eclectic individual with a myriad of hobbies. I enjoy cooking, baking, dancing my heart out, watching documentaries, photography, making films, reading a good book in the park, etc. I currently run an event design/planning business, co-host a hip hop radio show, and curate innovative and multi-faceted art shows all over the place. I like to stay busy, but when I am home, I am extremely chill. Expect a good meal or baked goods from me every now and then.

The Apartment:

This is the 1st floor of an apartment building, but its super duper safe and the neighborhood, too. The kitchen, bathroom, and living room are standard size for the area. The kitchen opens into the living room, which is incredibly spacious and there is a dining table.  The kitchen and living room will be fully furnished depending on our mutual decorating taste or lack therof... lol. Hardwood floors. LARGE windows let the sunshine in like crazy during the day, but is amazingly cool at night.

The Room:
Is not furnished but it does have a clothing rack and a small built in closet. One LARGE window that lets in a lot of sun. I have an AC that you may also use, if you'd like.

The Area:
It is located in Crown Heights, Brooklyn, only a seven -eight minute walk from the Nostrand Ave (20-30 minutes to Midtown, if even that) stop with the A/C, and 2/3 trains only a short walk from the house with the B65 bus smack dab on the corner. It’s got everything within walking distance: clubs, bodegas, around the corner from a Laundromat, cafes, supermarket (within walking distance), bars & loads and loads of ethnic restaurants. Prospect Park is not to far of a walk ;) People are extremely friendly and will speak to you often. There is a DOPE art studio/non-profit located on the corner that has sewing, crochet, and knitting classes which are SUPER cheap. They also make clothes to donate to battered women.

The lowdown:
I want a laid back person in the early 20s to early 30s. An honest, RESPONSIBLE, respectful, trustworthy, friendly person who cleans up and one who keeps up with the apartment. Someone who I can shoot the breeze with every now and then. Smoking, in your personal space only. Pets ARE allowed, as long as they are friendly and well-taken care of.
No live in boyfriends/girlfriends, for self-explanatory reasons. Meat-friendly. Entertain if you'd like, just respect the neighbors and the community.

Your share of rent is $875, which includes all utilities including water, gas/electric (unless the bill goes over $200.00), and wifi. This may lower anywhere from 50-100 if you choose to stick around after December.

If interested, please reply with a little bit about yourself including your name, age and phone and a link to your Myspace or Facebook (or other social media profile)
, if applicable, and a bit about yourself.

To move in you would need 1 months rent and security (equal to two months).

Corner of Bergen & Nostrand
Craigslist Ad: newyork.craigslist.org/brk/roo/1324226922.html.

crue1mediagroup (at) gmail dot com
Sunday, July 26th, 2009
9:11 pm
$650 Elmhurst Roomate Wanted!
I’m looking for a laid back friendly male or female roommate to rent as soon as possible. You would be signing a lease for one year.
Details! Pictures! Web links!Collapse )
Monday, June 8th, 2009
4:06 pm
Want a spectacular apartment in East Harlem?
My partner and I just bought an apartment, but our rental lease still has a year left! We're looking for someone to re-lease our bright, spacious rent stabilized 2br apartment in East Harlem.

More details after the cut!

Read more...Collapse )

Monday, May 4th, 2009
3:11 pm
1br/ studio in ny with out credit report?
 Hey all,
Im desperate about finding an apartment to move in sooooooon. I hate craigslist because all of its brokers ads even in "by owner only" section. I've been trying to find apt for two months already. My "problem" in this country is that I never used a credit card, as I don't like the idea of living in credit and can't imagine myself doing it. I guess I'm not normal in this society. I've been living in US for 2 years, worked (for cash) and went to school (filmmaking).  Im currently not working and not planning to next 3-4 months as I'm expecting a baby to be born in June. Im willing to give double (or tripple!) deposit and the upper level of monthly rent for me is $1200 including utilities.
Im starting getting frustrated in this unsuccessful hunt for a place to live with a baby. Sorry if youre seeing this third time, Im cross posting.
 May be someone is subletting his/her 1br/studio for summer? or any single parent is looking for a roommate?
Or anyone can help with an advice?
Friday, May 1st, 2009
9:17 pm
Stuyvesant Town

I'm beginning an apartment search and wanted some opinions on Stuytown. Which are the best buildings? What have you heard about it- both good and bad? Any stories? Anything to beware of? I really want to hear people's experiences and what they have to say.
Friday, March 27th, 2009
2:22 am
May 22nd to August 17th Sublet
Hey everyone. I posted a sublet on Craigslist and just wanted to cover all my bases.

Subletting my room for 2.5 months (May 22nd to August 17th) at 1144.50 a month. The apartment is in the East Village. More details here: http://newyork.craigslist.org/mnh/sub/1094112402.html

x-posted to nycroommates
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