Jan.22,2017 Buy a Home or wait? Real Estate
by godfather
 Buy a Home now or Wait?
Jan 22, 2017 | 38 views | 0 0 comments | 4 4 recommendations | email to a friend | print | permalink
January 22, 2017
Since I started in 1979, till today, I say buy a home now.
In 1980 you could have bought a 1 family for $65k in Middle Village, and a two family for $85k. But look what the mortgage rates were back then. For a briefspell in 1981—from Sept. 11 to Nov. 13—interest rates topped 18 percent for a 30-year fixed-rate mortgage, according to Freddie Mac’s surveys ofmortgage lenders.
I told clients go for it and refi when rates come down. I did it myself and took a 17% mortgage rate.
Today some are buying as rates for mortgages are around 4% now. But you always have people telling others to wait. Wait till prices go down. Wait Wait Wait. And the ones talking do not own a dozen homes right now. There just experts on the market with no Real Estate assets or maybe they own two homes currently.
But look where one families are selling at today in Middle Village,NY
1f.2beds. Bungalow ranch $550k
1f. 3beds.townhouse $700k
2 families from $850-$1.2million.
Never wait. Even if a home price drops $75,000 dollars doesn't mean that is a deal. Reason mortgage rates may be 2% higher and although you may pay $75k less you may spend $175,00 more per month in mortgagepayments per month, You can't beat Real Estate.
Just Buy when you can.
I know people from 5 and 7 years ago still looking to buy their first home.
Home prices in time do not stay the same.
Rents in time do not stay the same.
And lastly, mortgage rates do not stay the same.

Thank you Jim Turano, Broker of Diverse Real Estate,
Middle Village,NY 11379

Any questions please feel free to call at any time. Cell 1-347-837-9206



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Buy a Home now or Wait? by godfather
37Year Veteran Real Estate Broker Jim Turano viewpoint
Jan 22, 2017 | 2 views | 0 0 comments | 0 0 recommendations | email to a friend | print | permalink

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Jan.22,2017 Buy a Home or wait? Real Estate
by godfather
Jan 22, 2017 | 38 views | 0 0 comments | 4 4 recommendations | email to a friend | print | permalink
January 22, 2017

Since I started in 1979, till today, I say buy a home now.

In 1980 you could have bought a 1 family for $65k in Middle Village, and a two family for $85k. But look what the mortgage rates were back then. For a briefspell in 1981—from Sept. 11 to Nov. 13—interest rates topped 18 percent for a 30-year fixed-rate mortgage, according to Freddie Mac’s surveys ofmortgage lenders.

I told clients go for it and refi when rates come down. I did it myself and took a 17% mortgage rate.

Today some are buying as rates for mortgages are around 4% now. But you always have people telling others to wait. Wait till prices go down. Wait Wait Wait. And the ones talking do not own a dozen homes right now. There just experts on the market with no Real Estate assets or maybe they own two homes currently.

But look where one families are selling at today in Middle Village,NY

1f.2beds. Bungalow ranch $550k

1f. 3beds.townhouse $700k

2 families from $850-$1.2million.

Never wait. Even if a home price drops $75,000 dollars doesn't mean that is a deal. Reason mortgage rates may be 2% higher and although you may pay $75k less you may spend $175,00 more per month in mortgagepayments per month, You can't beat Real Estate.

Just Buy when you can.

I know people from 5 and 7 years ago still looking to buy their first home.

Home prices in time do not stay the same.

Rents in time do not stay the same.

And lastly, mortgage rates do not stay the same.

Thank you Jim Turano, Broker of Diverse Real Estate,

Middle Village,NY 11379


Any questions please feel free to call at any time. Cell 1-347-837-9206

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What if My Boss Was a Strong Trump Supporter, but I voted for Hillary (or the Other Way Around)?
by cjleclaire
 William Cafaro
Jan 20, 2017 | 974 views | 0 0 comments | 44 44 recommendations | email to a friend | print | permalink

by Bill Cafaro

What Rights Do I Have if This Causes Me a Problem at Work?

Employees of Private Businesses:

What about the First Amendment? Can’t I say whatever I want?

  • Yes, you can say anything you want under the First Amendment, but your boss is allowed to fire you or take action against you at work for it – Private Employees have no First Amendment protection against being fired or demoted under Federal Law.

Do I have Any Legal Protection at Work at All?

  • Yes, there is a New York State law that gives you some protection, Labor Law § 201-d. It says that no employer can discriminate in hiring, firing or conditions of employment against anyone for political activity.

What Political Activity is Protected?

  • running for public office,
  • campaigning for a candidate for public office, or
  • participating in fund-raising activities for a candidate, political party or political advocacy group.

Example: A records clerk for the Nassau County legislature was fired from his job less than four months after an election in which Republicans took control of the Legislature, and claimed that he had gone door to door for Democratic candidates, volunteered at phone banks, and distributing campaign literature.  The Legislature argued that it had let him go due to budget cuts, the fired clerk argued that the need for budget cuts arose only because the Legislature had hired three new employees—all Republican. His claim was valid Fishman v. County of Nassau, 2013 U.S. Dist. LEXIS 47071, 2013 WL 1339466 (E.D.N.Y. Apr. 1, 2013),

  • Absolutely not. Remember also that there will be generally little or no protection for any political activities conducted during work hours, on the employer’s premises, or using the employer’s equipment or materials; It gives you protection for what you do on your own time. Whether a simple one time statement of political affiliation at work is protected is not really clear from the law, and can probably be argued either way, but the more extensive the speech is at work, the better chance the boss will win. If the employee is wearing a campaign button for a particular candidate and the employer says to take it off, they should do it and put it back on when they leave work.

Remember – The General Rule is That There is No Free Speech Right When You Work for a Private (non-government) Employer on His Time. The law we’re talking about here provides some protection, but that protection is limited; it is by no means absolute.

Are Government Employees (Federal, State, City, County, etc.) Political Speech Rights Protected?

  •  Yes – They have much stronger federal law protection under the First Amendment. The First Amendment generally prohibits government officials from dismissing or disciplining an employee because of the employee’s engagement in political activity. One recent Supreme Court case,  Heffernan v. City of Paterson, 136 S. Ct. 1412  (U.S. 2016) protected a police officer who took a campaign sign for someone challenging the mayor to his disabled mother on his own time. The police chief, who had been appointed by the current mayor, demoted him. Even though he wasn’t campaigning himself and had no interest in the election, he was just doing a favor for his mother, he was protected, because to hold otherwise would frighten the other employees from exercising their political speech rights – what courts call a “chilling effect.”

But here are a few things to keep in mind:

  • The speech always has to be about a matter of public concern, and if it is, the employee’s right, as a citizen, to engage in the speech has to be weighed by the Court against the interests of the State, as an employer, in promoting the efficiency of the public services it performs, Pickering v. Bd. of Educ., 391 U.S. 563 (U.S. 1968).
  • This can also cover rights of political association; and
  • In order to be protected, it must generally be on the employee’s own time, without using the employer’s premises or materials; and
  • Anything a public employee says in the course of his/her employment will not be protected. Example: If an employee of the Mayor’s Office makes any statement on the news in his/her official capacity, the Mayor can fire or discipline them for anything they say or don’t say, whether it’s true or not. Remember also that policy making and confidential employees probably can be dismissed just based on their political affiliation where the employer can show that party affiliation is an appropriate requirement for the effective performance of the public office involved,  Vezzetti v. Pellegrini,22 F.3d 483, 1994 (2d Cir. N.Y. 1994).

If you have strong political views which are very different from those of your employer, you should probably avoid any confrontation and get legal advice first as to how to best protect yourself. Call the Law Offices of William Cafaro at 212-583-7400 before you take any action like this.

 

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Workers Compensation in Queens New York | Part One
by cjleclaire
 Pyrros Serres
Jan 20, 2017 | 718 views | 0 0 comments | 46 46 recommendations | email to a friend | print | permalink

Queens NY Workers Comp.

by Pyrros & Serres LLP

You’ve been hurt on the job and can’t work. You’ve heard about “workers’ compensation,” but you really don’t know what it is or how it works. You’ll be best served by hiring an experienced attorney to guide you through the process, but here’s an overview of the workers’ compensation system to help you better understand what you can expect.

Workers’ Compensation is Insurance

It’s helpful to think of workers’ compensation as insurance, because it really is. Under New York law, every employer (with very limited exceptions) is required to purchase workers’ compensation insurance, designed to cover the costs of benefits paid to any injured worker. Workers’ compensation insurance is intended to cover two types of losses:

  • Any medical expenses related to the injury
  • A percentage of your lost wages or income due to the injury

There are also circumstances where an injured worker will be entitled to cash benefits at the end of a claim, based on the type of injury.

The workers’ compensation laws evolved as a compromise between employers and employees. Before the enactment of these laws, employers worried that injured employees might obtain exorbitant judgments from a sympathetic jury, and workers often had to wait months or years to see any benefit from a personal injury lawsuit. Known as the “grand bargain,” workers’ compensation insurance allows employers to manage and anticipate the costs of worker injuries, but also provides benefits to injured workers in a more timely manner.

Workers’ Compensation | An Overview

Experienced NYC | Queens | Bronx | Brooklyn Workers’ Compensation Lawyers

At Pyrros & Serres LLP, we provide comprehensive counsel to people with workers’ compensation and Social Security disability claims in Brooklyn, Queens, the Bronx and across the greater New York City metropolitan area. Because of our reputation for effective advocacy, many of our new clients come to us as referrals from clients and other lawyers.

To learn more about the full scope of our practice, see our practice area overview page.

Pyrros & Serres LLP

Queens | NYC | Brooklyn | Bronx Workers’ Compensation Attorneys

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