Convergecult15

Convergecult15 t1_jbfne9j wrote

People think it’s so easy. Someone buys their NYCHA apartment as a co-op and immediately has to spend 15-20k getting it up to code. And then that “co-op” is immediately worth several hundred thousand if not a million and they refi it to the max and wind up in foreclosure the next economic hiccup. I remember the news doing a story on co-op residents in Harlem being foreclosed on while they were upside down on their mortgages, but at the end of the story they highlight that they purchased the apartment for a dollar through HUD in the 90’s and took our two 600k mortgages on it. People don’t become financially literate when they receive a windfall after years of abject poverty. Buying the projects won’t make them not projects anymore, it will just remove their code exemptions and further impoverish the owners causing those neighborhoods to be bought up by middle class millennials and forcing the prior residents out on the streets.

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Convergecult15 t1_j97eutp wrote

Replace the entire thing, they’re cheap enough that it’s not worth trying the repair. It’s also not a hard thing to replace so I don’t think you’d need to hire a plumber if you’re comfortable using a crescent wrench. You can easily find a guide on YouTube, the hardest part will be emptying out the cabinet beneath to get access,

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Convergecult15 t1_j76pi4i wrote

The problem isn’t any specific group or activity, predators are everywhere. Any high level competitive industry that children are in will constantly remind children that there are a dozen kids waiting to take their spot. Acting, sports, private schools, anything that separates children from peers through effort. You need to raise your kids to be confident when dealing with adults, and provide them with the security and support they need at home. Children have no frame of reference for normal adult interactions in these settings, they question and convince themselves that whatever’s happening is normal for what they’re doing because it’s happening to their peers in these environments as well. Be the driving force behind your child’s confidence in addition to their passions, let them know they can talk to you, ask them questions. If your kid is ever an adult outside your presence ask about what happened in an interested way, coach them on how to handle interactions after the fact. “Oh coach just wanted to talk about my form in competition” ok what did he say and how did you respond? “Oh that’s a great way of handling that, you can also try saying xyz next time” normalize them telling you about private conversations with adults so that they’re comfortable coming to you about those moments, don’t interrogate or pry, but make it natural for them to tell you what is said and done to them by others. You can’t protect them at all times, but you need them to trust and be forthright with you.

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