When I took my first acting class in NYC, the teacher mentioned the 80/20 program - which is a program that puts low-income New Yorkers in luxury buildings for a vastly reduced rental rate. My understanding is that when a new, luxury building is built, the city gives them huge tax breaks if they become an 80/20 building. There are over 3 dozen, and they are NYC's best kept secret.Because the program is so awesome, they don't publicize, and you have to find out from word-of-mouth... or word-of-blog.
I got my 80/20 apartment 4 years ago, and when it happened so many people asked me about it that I wrote everything I knew into an essay, which I'll attach below***. Obviously the info is out of date, but if you follow the links in the top part, you can find out all of the updated addresses. You'll have to dig.. but, wow is it worth it.
(I also recommend the housing class at The Actor Fund - they know everything!)
***Using the info in this essay, 4 of my friends/clients have gotten their own apartments. Rents well under $1000 for studios and 1-bedrooms in some of NYC's nicest buildings. One of these guys has a building with a private pool. Luxury, people... LUXURY.
So, take a read - do some digging, and apply!
How I got a cheap, amazing apartment and how you can too.
When I began auditioning in New York in 2001, I got some really good advice: start applying for affordable housing. Every 6 months since then, I’ve been sending out postcards to ask for applications, and filling out whatever forms they sent me back. This month I finally got one. I don’t want to brag but it’s an amazing one-bedroom, in a luxury building, in a killer neighborhood for under $500 a month, AND it’s rent-controlled for 20 years.
I wanted to pay-it-forward, so I’m including all the information I have about how YOU can get an affordable housing unit too. All of this information is based on my experience and the conclusions I’ve drawn, so it may be riddled with inaccuracies, but here’s what I know:
The 80/20 Program:
My understanding is that the city created this program to bridge the gap between the lower class and the upper class. If the development companies of new luxury buildings decide to take part in the program they get huge tax breaks. In return, they promise to offer 20% of their units for rent to lower-income folk at a really reduced rate.
I think the idea is that the lower-income people will hobnob with the rich people, and be inspired to make more money. Voila, income gap is bridged.
“Low-income” includes a large range of people. It’s based on your tax returns (actually an average of your last several tax returns) and ranges from the 40th percentile to the 80th. That means that if you make between 40% and 80% of the average New Yorker’s yearly income – you may be a candidate. I think (and this is really a guess) that means between $14,000 a year and $36,000 in 2008 dollars.
Note: You may not be low-income now, but if there is a chance that you will be ANY time in the next few years, why not give it a shot?
Note to those from Jersey: I had been told that they’d only let you apply if you were already a resident of NYC, but I was living in Jersey when I put in my application. So, that may have changed that rule.
Here’s a list of phone numbers and websites you check out for more information. (There are other programs beside the 80/20 Program: Mitchell-Lama, Common Ground, Section 8, etc. I know much less about these, but you can read up at the following websites.)
http://www.actorsfund.org/services/Housing/Housing_Resource_Center/index_html
http://www.nyc.gov/html/housinginfo/html/home/home.shtml
Mitchell-Lama Program Hotline: 212-863-5610 and 212-863-6502
The 80/20 Program – 212-227-5500
Related Management Hotline
212-987-6445 for current information.
Section 8 housing hotline
917-286-4300
There is also a mailing list on the www.nyc.gov website that you should get on: Click here.
Additionally, I’ve heard of free seminars given by The Actors Fund on getting affordable housing. Click here.
They don’t make it easy for people to learn about these programs, and there is no one place on the Internet to find all of the information you need to apply. This may be the most comprehensive list available. Make sure you call those numbers and check those websites every now and then to update your list. Buildings will be added and taken away often.
It starts with postcards. Much like doing a mass mailing of headshots, I suggest you just send a postcard to everyone, and they’ll let you know if they’re looking for people. Every six months, either buy blank index cards, or get pre-paid postcards at the Post Office, and mail to all of the following addresses:
Affordable Housing Office
Tribeca Tower
330 West 30th Street
NY, NY 10001
Affordable Housing Office
Tribeca Park
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Ventura
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Tate
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Strathmore
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Sierra
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Sagamore
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Monterey
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Lyric
330 West 30th Street
NY, NY 10001
Affordable Housing Office
Carnegie Park
330 West 30th Street
NY, NY 10001
Affordable Housing Office
Astor Place
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Chatham
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Park Imperial
330 West 30th Street
NY, NY 10001
Affordable Housing Office
105 E. 17th St.
330 West 30th Street
NY, NY 10001
Affordable Housing Office
The Westport
330 West 30th Street
NY, NY 10001
Affordable Housing Office
One Carnegie Hill
330 West 30th Street
NY, NY 10001
Affordable Housing Office
One Union Square South
330 West 30th Street
NY, NY 10001
Affordable Housing Office
Tribeca Green
330 West 30th Street
NY, NY 10001
Affordable Housing Office
250 East 60th Street Associates, LP
941 Hoe Avenue
Bronx, NY 10459
RockRose Development Corp.
290 Park Ave. South, 14th Fl.
NY, NY 10010 attn: 80/20 program
Affordable Housing Office
116 West 116th Street Apartments
Property Management Group
3154 Albany Crescent
Bronx, NY 10463
Affordable Housing Office
(West 61st St. Apts)
Knickerbocker Management LLC
33 West 57th Street #007
New York, NY 10019
Affordable Housing Office
Chelsea West Apts.
PO Box 762
New York, NY
10159
Affordable Housing Office
UES Towers
101 West 23rd Street
PMB 2222
New York, NY 10011-2222
Affordable Housing Office
Clinton Parkview Apartments
c/o P & L Management
PO Box 9
Brewster, NY 10509
Affordable Housing Office
400 W. 55th St. Apartments
55th and 9th LLC, Gotham Organization
55th Street Apartments
Grand Central Station
P.O. Box 2455
New York, NY 10163
Affordable Housing Office
The Larkspur c/o HCCI
P.O. Box 1189
Colonial Park Station
New York, NY 10039
Affordable Housing Office
The Aspen
1955 First Avenue
Management Office
New York, NY 10029
Affordable Housing Office
The Hudson Crossing
Hudson Crossing
P.O. Box 829
Time Square Station
New York, NY 10036
Affordable Housing Office
(600 columbus)
1230 Pennsylvania Avenue
Brooklyn, NY 11239
Affordable Housing Office
The foundry
Archstone Apartments
505 West 54th Street
New York, NY 10019
Affordable Housing Office
James Towers
Better Life Renting Corp.
97-77 Queens Boulevard
Rego Park, NY 11374
Affordable Housing Office
Chelsea Centro
Rockrose Development Corp.
290 Park Avenue South
14th Floor
New York, NY 10010
Attn: 80/20 program
Affordable Housing Office
(W. 48th St. Development)
Lisa Management
225 East 6th Street
New York, NY 10003
Affordable Housing Office
(530 W. 43rd St.)
Gotham Construction Company LLC
110 Avenue of the Americas
New York, New York 10018
Affordable Housing Office
The Brittany
Rental Office
1775 York Avenue
New York, NY 10128
Affordable Housing Office
One Columbus Pl.
Urban Associates, LLC
400 West 59th Street
New York, New York 10019
Affordable Housing Office
(100 Jane Street)
Rockrose Development Corp.
290 Park Avenue South
14th Floor
New York, NY 10010
Affordable Housing Office
Parkgate Tower/Key West Apartments
Archstone Apartments
505 West 54th Street
New York, NY 10019
Affordable Housing Office
Manhattan Park Roosevelt Island Northtown Phase II
Grenadier Realty
c/o Roosevelt Island Manhattan Park
30 River Road-Management Office
Roosevelt Island, NY 10044
Affordable Housing Office
(Clinton Towers @ 790 11th Ave.)
P & L Management
PO Box 9, Rte 22
Brewster, NY 10509
Affordable Housing Office
COLUMBUS PARK TOWERS
ADAM, Inc.
495 Broadway, 6th Floor
NY, NY 10012
Affordable Housing Office
ELEVEN NINETY NINE PLAZA
Marion Scott Real Estate, Inc.,
107-127 East 126th Street
NY, NY 10035
Affordable Housing Office
INDEPENDENCE HOUSE
Leebar Management Corp.,
51 East 42nd Street, Suite 516
NY, NY 10017
Affordable Housing Office
KNICKERBOCKER PLAZA
RY Management 1619 Third Avenue New
York, NY 10128
Affordable Housing Office
MANHATTAN PLAZA
Related Management
400 West 43rd Street
NY, NY 10036
Affordable Housing Office
Westbeth Apartments
Westbeth Apartment Management
463 West St. NY, NY 10014
(incl double stamped SASE)
The text of the postcard should be something like:
Dear Affordable Housing Office:
I’d like to request an application for your affordable housing program. If none are available, please place me on a waiting list.
Thanks,
You
Your Address
Phone Number
There is a waiting list for everything. It’s really important to get on these lists ASAP. It can take years to get to the top.
When you finally start getting applications, fill them out. They are really complicated and tedious, but I think they do that on purpose to thin out the crowd. Also, don’t worry if your financial information doesn’t fit into the low-income category at that moment. They reassess everything when you get further into the process.
I probably filled out 8 applications for different buildings, and finally I got a call that, “my number was coming up,” and they wanted to bring me in to update the application and to have an interview.
They’ll provide you with a LARGE list of things to bring to the interview, including 6 months of bank statements, tax returns, leases, references. It’s intense. Again, I think they are trying to get rid of the losers.
Note: You are totally the kind of person they want in the program. They want people who fit in the low-income category, but won’t stick out like a sore thumb in a luxury building. They need you as much as you need them.
If the interview goes well, they tell you where you stand on the list, and the estimated amount of time before you’re next. I had to wait about 4 months. If you’re getting really close, they’ll move to the next step: the home visit.
An agent from the housing office will come to meet you at your home. They are basically checking to make sure that you know how to take care of an apartment. I was really worried about my home visit, and I cleaned my apartment like it’s never been cleaned before. I even put on coffee and made cookies. The interviewer walked in the door, and said, “Oh don’t worry, you’re going to pass.” He didn’t even take the cookies. Rude. Point being, they’re just checking to make sure you don’t live in a meth lab, or something.
A month later, I got a call from the office that an apartment was open. The Resident Manager from the building called me to make an appointment for me to see the place. It was awesome. Two days later I was bringing first month’s rent and a security deposit to the office, and they handed me keys.
Note: The rent is not technically rent-controlled, but it’s very similar. Every year the rate will go up a small percentage, as dictated by the Housing Board. I’ve been told, it’s basically a cost-of-living increase. The program runs through 2028, but it will likely be extended beyond that.
So, check out all of the links and phone numbers I included, and send your postcards. It’s an amazing program that not a lot of people know about. Good luck.
Hope this helps.
Written 1/08
Update 4/08: I got an email from a friend which included the following new information: "Related has a 'general request list' open for all their properties so you can consolidate your recommendations to people to use that for all the postcards to 330 w.30th to make it simpler for folks :)"
Related Management handles about 30 of the 80/20 buildings - so this may be a huge time saver! Thanks.
Update 4/09: I just got an email from someone who let me know that the following postcards were returned. The address is no longer valid:
400 W. 55th St.Apartments
55th and 9th LLC, Gotham Organization
55th Street Apartments
Grand Central Station
P.O. BOX 2455
New York,NY 10163
I am about to go on an interview for one of these 80/20 buildings and was depressed I might get accepted and have to live @ 330 W. 30th, but thanks to your informative article, I have hope I might wind up at a better location. Nice gesture on your part.
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DeleteGood luck! That may be a little far west, but - cheap rent is cheap rent!
ReplyDeleteHope it all works out. :D
Hi, where did you find this list? Is there an updated one somewhere?
ReplyDeleteI used all the links listed in the top of the article, and nyc.gov has most of it too. They don't make it easy AT ALL to find the addresses. But you can with some digging.
ReplyDeleteGood luck.
You are an angel! Thank you for this valuable information. I recently learned about the 20/80 program and I am so excited about it.
DeleteWish me luck :)
i am looking for a three bed room apt. Do you know if these address have?
ReplyDeleteI know its quite late that I am replying back to you but in case if you want or if any one else who are looking forward for 3BHK apartment then they can look for http://365bond.com/. They can help you guys. As, I took help from them and I am satisfied from their services.
DeleteYep. More one-bedrooms and studios, but they absolutely have family units.
ReplyDeleteok. thanks
ReplyDeleteJust wanted to say, you are awesome for posting this information! I've done a good amount of legwork on my own, so I know how hard it was to gather all of this. Thanks for your generosity. Happy holidays!
ReplyDeleteThanks for the great info! When they are investigating potential tenants, are they able to gain access to all of the financial statements of every bank account the tenant has using the tenants social security number? Or, is it only tax returns and the specific bank account(s) the tenant provides?
ReplyDeleteThey def take your SSN, but I don't remember them probing any further than the info I gave them.
ReplyDeleteThey do expect you to give them all of your financial information.
No problem if you have money saved. The decision is based on income.
Good luck.
Hi there, I am going to an interview tomorrow! I am a freelance performer and do not have one employer.
ReplyDelete- Will they ask you at the interview for a letter from you employer?
- Will they ask if you are working full-time or part-time?
- Will being FT or PT disqualify you from the housing program?
- Will you have the option of reviewing other apartments that you applied for through related and ask for your interview results to go towards that apt?
I'd love any other tips you may have regarding the questions they will ask you.
Thanks!
Hey, I don't have all the answers, but here's what I remember:
ReplyDeleteThey will ask for pay stubs, not a letter from an employer.
They don't care if you're full or part time.
If an apartment comes up, they let you see it before you decide. If you pass, you may not get another.
Everything else I know is in the essay above. Dress nicely. Be confident and tell the truth - and GOOD LUCK!
Guy
How about credit? What's the score and what do they look for in terms of credit history from a potential tenant?
ReplyDeleteThey didn't do a credit report. They just care that you make enough money to pay the rent.
ReplyDeleteThanks so much for your info! I have been researching affordable housing forever and you have really made this process clearer for me. I too act and this would be so beneficial to me. Any background check or is it strictly income based? That's a unique way of doing things. I would think they would do a credit or tenant history check being that its an apartment.
ReplyDeleteI do think they did a criminal history. Yes.
ReplyDeleteAnd they do talk to your previous landlords, I think. I remember giving them the information for every landlord for the previous 5 years.
Yeah - I guess they don't expect low-income people to have great credit scores. Maybe they deal only in cash.
Good luck. I've learned some of these addresses are outdated - you may want to do some digging with Related Management and nyc.gov to find the current ones.
What happens if your income goes up - as you know, we artists don't make the same every year. Do you then have to leave?
ReplyDeleteANR: You only have to qualify once. After that you have to report your earnings, but you can NEVER make too much to be apart of it. To quote my case worker: "You could win the lottery - we can't kick you out."
ReplyDeleteWhat condition was your apartment in? I live with 3 male roommates in a small apartment and am a little worried how that may affect things...
ReplyDeleteI cleaned my apartment like it had never been cleaned before! And the guy walked in, looked for 15 seconds, and started filling out the paperwork. He was just making sure I wasn't a hoarder or a maniac.
ReplyDeleteI'd still get it as clean as possible, but unless you've got some sort of huge rat issue - you should be fine.
Guy, thank you so much for all of your info. I just got a letter saying my log number is up next and if my income still meets the requirements I should call to set up an interview, etc, and bring in everything on that extensive list- financial info, etc. here's the thing- they want three years of tax returns, and for two years I made zero because I lived abroad, and this last year 2012 I made 38-40k but the income max for this apt is 27k for two ppl. I'm applying with my brother who's in the restaurant industry and his wages have also changed this year..we can easily show that he makes little to nothing.. I can drop to part time @ work but that wouldn't be reflected in my last 6 pay stubs.. So can I Bring them a letter from my employer stating I now work PT and will only be making around $25k, effectively qualifying me for this apt.? Plus we grew up in manhattan born and raised- my parents own the apt we live in now...! My dad is technically the only "landlord" we've had but we have contributed to our maintenance of $1300 monthly ... So can't I just show basic receipts/letter from my dad stating we helped pay the rent? Overall I'm just concerned that I make too much, everything else seems to work, but again I'd be happy to drop to part time at work just to get this apt! Any advice is so great,y appreciated xx
ReplyDeleteThis comment has been removed by the author.
DeleteWill they rent to full-time students with a guarantor ? My son is starting his senior year @ FIT in the fall and needs an apt that he can stay in after graduation while he begins his career. I currently guarantee/pay his rent but he is losing his roommate and we cannot afford this place any longer.
ReplyDeleteMaria, Anything is worth a try - but I'm fairly certain they are won't even consider giving a place to a student. But, get him on the lists now for the future!!
ReplyDeleteGuy, Thank you for all the info! I'll get him on the lists and keep my fingers crossed! :D
DeleteI've been applying for the 80/20 housing program since sophomore year of college (2007) and everything you say is true except for the fact that they do indeed do a credit check. They even ask you for the $25 to do so. I have been to MANY interviews only to be turned away ten minutes after handing over that $25 money order (thank you student loan debt and that one credit card I maxed out at 18). I have since fixed my credit and applied all over again but I am currently on waiting lists. Hopefully this time around it will all work out.
ReplyDeleteDid you ever get an apartment? Ive been dealing with this for several years and finally now catching up on my student loans which is the reason i was denied in the past. Hows it going for you now, 2 years later??
DeleteHey there! What a wealth of info you have soooo kindly provided! I am set to send out postcards to the places on your list, but would like to know, what should actually go on the postcards? Thank you ahead of time for your reply...it is much appreciated! Ya done great kiddo!
ReplyDeleteI Hope All Is Well In Your World : )
Nyna
Oops! I really thought I read the whole thing thoroughly! AND I read it a bunch of times...soooo how did I miss the very info I just messaged you about?! Hee! Sorry about that! However if you have any new info to add to this, it would be greatly appreciated <3
DeleteHi Guy,
ReplyDeleteWas wondering if you have any housing lists for Queens??
Also thank you for listing all this info and encouraging people. I really hope to land one of these housings.
Instead of using postcards can I use a blank envelope with my name and address and the address of the building I'm applying to. On the side can I write application request
ReplyDeleteIt might be okay. But, spend the extra $2 for index cards. Better safe than sorry.
Deletewhat if you owned a home in PA and are relocating to NY for work (new show).
ReplyDeleteI think that's fine. But, I'm not really sure. Might as well try!
DeleteHow does one qualify if your making between 114-128k a year?
ReplyDeleteI don't think you'll be able to qualify.
DeleteCheck the Housing Authority website that was mentioned. I've seen housing for people making upwards of $90k, but it's rare.
DeleteHey Guy, I'm trying to figure out if these addresses are still current, particularly the addresses for Rockrose, Urban Associates, and Archstone (which I understand is now Equity Associates) buildings.
ReplyDeleteIf I were to mail the card to the office addresses for these organizations with attention to the Affordable Housing Office, do you think that would work?
Thanks for all your work and advice. I have a friend who recently got a wonderful apartment in Columbus Circle thanks in part to this posting here.
I'm curious: Why postcards? I've never heard of that.
ReplyDeleteWould an email/phone call work as well? Do any of these places have online applications at this time?
I'm not sure why postcards... but it seems to work.
Delete(I just got a report that another person got an 80/20 based on this info; she makes #6.)
Email and phone may work too. I'm not aware if any of them have online applications.
Hi Guy,
ReplyDeleteIf I start today, how long you think it would take to even get to the interview
I just sent all of my post cards this weekend. I got them from the usps store. Just ask the clerk for pre paid post cards and it will automatically come with a stamp for about 28-30 cent each. I make around 27k yearly and part time student. I was busy with other applications and focused on nyc connect lotteries. I wonder when will I get a respond. I will be sure to update you guys
ReplyDeleteThis comment has been removed by the author.
DeleteSo how did that work out? Did you ever hear back from any of them?
DeleteHello, when sending the postcards, are we supposed to include a SASE with each submission? The only mention I see about that in the description above is for Westbeth Apartment Management. If anyone could answer me, I would appreciate it.
ReplyDeleteThank you for all the info! If a couple makes about 74K a year can they qualify for this?
ReplyDeleteHow do they account for a tipped employee? My income has been:
ReplyDelete2012-30K
2013-25K
2014-46K
This year is projected to be lower though because businss has been bad...maybe 30-35K.....do they just average it? THANKS! My interview is tomorrow at 10AM! HELP!
would love to hear how everything went if you are willing to share!? Hope all good things! Thanks!!
DeleteHow did that work out? I am a tipped employee as well. Thanks
DeleteHow did that work out? I am a tipped employee as well. Thanks
DeleteHi Again, I forgot to check off to "Notify Me" when I get an answer to my question re, one bedroom apartments in NYC...I am on automatic e-mail forms so I don't have to fill anything out...Should I still send post cards?... Thanks!!!
ReplyDeleteHi Guy,
ReplyDeleteI so appreciate your blog.
I have an interview at Wavecrest rentals, for an apartment I applied for this Friday. I wanted to know if they had to check your credit, and was the security & first months rent a lot to give the first time? Is it true that a specific professional can only be allowed to help move a person into these new developments?
Thanks~~
Hi,
DeleteI'm not familiar with Wavecrest. I didn't have my credit checked, but I know sometimes you do have to do that. And yeah, I imagine you'd have to be ready with 2 months rent at the start, to cover the deposit.
Sorry, I don't have any more information about this one specifically.
Best of luck,
G
Hi Guy,
ReplyDeleteI so appreciate your blog.
I have an interview at Wavecrest rentals, for an apartment I applied for this Friday. I wanted to know if they had to check your credit, and was the security & first months rent a lot to give the first time? Is it true that a specific professional can only be allowed to help move a person into these new developments?
Thanks~~
Hey Guy,
ReplyDeleteYour letter was very helpful. Does the NYC Housing Connect take place of having to send out post cards to all the buildings?
This comment has been removed by the author.
ReplyDeleteHello Guy, I'm trying to send postcards to all those places you listed but am a little confused if i should send it to all the 330 West 30th St or is there one consolidated place within that address? If so should i address it to Related Managment and ask for a general request list?
ReplyDeleteConfused also re 330 West 30th being the address for all Related Company buildings. If they have 30 of the buildings with 80/20, do we send 30 postcards to Related specific to each of the 30 buildings? Thank you so much for this post!
ReplyDeletethanks for the blog. Really helpful with full list of properties. Related now seems to be consolidated on a website where you can apply, request info, and easily be added to the waitlist...just vist.
ReplyDeletewww.affrental.com
Hi Everyone,
ReplyDeleteI am going through the process to apply for housing and have noticed a lot of ineffiencies and confusion. I am evaluating the opportunity to build a platform that lists all the properties in one database and streamlines the process for you by sending out application requests, waitlist requests, and even applications. We'd notify you when new units opened up and when the waitlist opened as well. It would be very simple requiring you to filling out one profile and then the platform does the rest of the work.
Would this be a helpful tool for you?
Warmly,
Ryan
Hi everyone, I got this note from what-was-formerly Common Grounds. I think it'll be helpful:
ReplyDelete---------------
I was looking at our website analytics recently and realized that we get a few hundred visitors to our page from your website each year (http://actorswhomakemoney.blogspot.com/2012/04/8020.html). What a wonderful service you provide to your fellow artists.
I wanted to let you know that Common Ground changed its name to Breaking Ground in October 2015. When people visit www.commonground.org, they will be redirected to www.breakingground.org.
We are the city’s largest provider of supportive housing for low-income and formerly homeless individuals. We have 11 properties in NYC and also conduct street outreach. All of our buildings have affordable units for working professionals (required income ranges are listed in the applications, available on our website.)
If you’re interested to do so, perhaps you’d consider updating your post with our new name and website? The direct link to our “Apply for Housing” page is http://www.breakingground.org/apply-for-housing.
We also operate one building in particular, in conjunction with the Actors Fund, called The Schermerhorn. Uniquely, most of its low-income units are specifically reserved for professionals working in the performing arts. It’s a beautiful residence, and while not a luxury building, was interesting enough to be featured as part of Open House New York in 2014!
Hey! Thank You for your post! Q: I just moved to NYC. Is it still possible for me to apply for housing?? I will probably be earning the minimum wage per annum ..
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Hey Guy.Can u tell me do u sase for each postcard or just last one?Guys please someone who did it,help :)
ReplyDeleteHi there, thank you for posting all of this very helpful information. I live in another country and I am moving to New York in a few months time (I lived there for a few years already and I am now looking to move back). Would I be able to apply for this, or is it solely for US residents?
ReplyDeleteYou have to have a social security number to apply, you or someone you will be living with.
DeleteHello Everybody,
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BORROWERS APPLICATION DETAILS
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ReplyDeleteRegards
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ReplyDeleteMy name is.Mrs.Juliet Quin. I live in Canada and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $ 73,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $ 73,000.00 Canada Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Juliet Quin that refer you to him. Contact Dr Purva Pius via email: reply to email (urgentloan22@gmail.com)
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ReplyDelete
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ReplyDeleteLike the movies we see ,every relationship does not always have a happy ever after. Factors are always there to bring down the relationship you have given your all. It can be as a result of dishonesty, failing finance , misunderstanding , job requirement and so on. It take more than a lot to save a failing relationship take it from me i have been there before. Now i know a few ways that can help restore a failing relationship i am going to work it down from the top to the last best way i know.
Understanding
Understanding is one way to restore a failing relationship. But as easy as it sounds, it is the hardest task to accomplish,Why is this? let see. In a relationship no one like to be that person that never get heard like he or she does not exist. Men feel like everything said or do by them is right because they are men and they think they need to always be in charge because men are the head and women feel like they need to be respected and there opinion matters alot. If they both can not balance this i do not see any hope for that relationship because after so many fight resulting from misunderstanding they will call it the end.
Stable Finance
This is mostly for the men. It is important to have a stable finance because a lot of bad things can happen due to financial trouble. Even if your spouse choose to stay with you through the troubled time you might just see yourself as the fault and before you know little things and talk about money leads to fight and as you know the relationship falls. But stable finance can only restore a failing relationship to an extent before some other factor kicks in.
Couple Counseling
This for a very long time has been the the last terminal point of almost all couple before the final fall.Here the relationship are either restored or destroyed.Couple Counseling has recorded a high amount of success over the years but does not ensure that the relationship will stay strong for a very long time.Studies show that most of the relationships saved by counseling experience a positive change for a maximum of 3 to 5 years before failing again and some just do not even experience any change. Some even lead to divorce at the end. I am not saying couple counseling does not work i am just saying, it does not really ensure a long lasting relationship.
Love Spell
To me this is the only way that ensures you and that someone you love will always be together just as they promised you. My marriage had its own trouble bigger than counseling, Understanding and all the things a relationship is built upon the only thing that worked for me was the spell Akpe Osilama did for me. It was the only help that i seeked that actually worked for me that is why i am saying it the Ultimate.My friend who advised me to contact a spell caster has stayed married to her husband for 28 year and some months now because of the love spell Akpe Osilama did for her.I cannot talk about mine because its just been four months without trouble again that always seperate us. You want to save your your relationship contact the spell caster with this email chiefpriestakpeosilamaspellcast@yahoo.com
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I am sure a lot of us are still unaware of the recent development of the Blank ATM card.. An ATM card that can change your financial status within a few days. With this Blank ATM card, you can withdraw between $1,000-$5,000 daily from any ATM machine in the world. There is no risk of getting caught by any form of security if you followed the instructions properly. The Blank ATM card is also sophisticated due to the fact that the card has its own security making your transaction very safe and untraceable. For more info contact Mr. Calvin Grayson via email: officialblankatmservice@gmail.com or WhatsApp +447937001817
ReplyDeleteI am sure a lot of us are still unaware of the recent development of the Blank ATM card.. An ATM card that can change your financial status within a few days. With this Blank ATM card, you can withdraw between $1,000-$5,000 daily from any ATM machine in the world. There is no risk of getting caught by any form of security if you followed the instructions properly. The Blank ATM card is also sophisticated due to the fact that the card has its own security making your transaction very safe and untraceable. For more info contact Mr. Calvin Grayson via email: officialblankatmservice@gmail.com or WhatsApp +447937001817
ReplyDeleteHello my name is favour Johnson from south African married with three kids Mary joy and rose lost my husband four years ago. Since then things have become hard for me and my children even to eat was a problem because they have no money to buy food stuff and to pay my children's school fees. April 12 2017 a friend of my gave me contact of agent Williams that help her on blank ATM card that make her to be rich now and she said the card can be use in any bank without trace so are contact the man and him ask me to send my bank details which him we use for the ATM card which are did and are send it in two days him contact me back and said my ATM card is ready and are pay some money to the DHM that send the card to me in South African in three days of it are got my ATM card and my code which are can use to we draw money in any bank now me and my family are now living better now are want to thank agent Williams by telling him thank you and may God reward you for your good work tool ward our life you can contact on his email (internationalhackingcompany@gmail.com) you can also contact him on +17068042665.
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ReplyDeleteI want to testify about Oscar White blank ATM cards which can withdraw money from any ATM machines around the world. I was very poor before and have no job. I saw so many testimony about how Oscar White hackers send them the ATM blank card and use it to collect money in any ATM machine and become rich. ( oscarwhitehackersworld@gmail.com ) I email them also and they sent me the blank ATM card. I have use it to get 75,000 dollars. withdraw the maximum of 4,500 USD daily. Oscar White is giving out the card just to help the poor. Hack and take money directly from any ATM machine vault with the use of ATM programmed card which runs in automatic mode.
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I was searching for a loan to sort out my bills & debts, then I saw comments about Blank ATM Credit Cards that can be hacked to withdraw money from any ATM machines around you . I doubted this but decided to give it a try by contacting { officialblankatmservice@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with $50,000,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel {card} i signed and went back inside to pick up my car key and drove to a nearest ATM machine to confirmed if the card really work to my greatest surprise it did.. This is no doubt because I have the card & have made use of the card. These hackers are UK based hackers set out to help people with financial freedom!! Contact them via email: officialblankatmservice@gmail.com or WhatsApp +447937001817 if you want to get rich.
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I’m Joseph from New Jersey, United States. I lost my job a few months back after my divorce with my wife. I tried everything positive to make sure I took good care of my kids but all failed, and I was in debt which makes everything worse. I was kicked out of my home and i had to live with my neighbor after pleading with her to allow me to stay with her for some days while I figured out how to get a home which she agreed to, but no one was willing to help anymore. I bumped into this page from google and I was excited about this, then I contacted the hackers James Leo . I had just $200, so I pleaded with them to help me because of my condition but they never accepted. I believed in this, so I managed to pawn a few things and got $500. I ordered the $10,000 card and I got my card delivered to me by Ups 4 days later. I never believed my eyes! I was excited and upset as well, I managed to withdraw $2000 on the ATM and $2500 the second day. I went to Walmart and a grocery store and bought a couple of things for $3000. The card got blocked the third day and I contacted them and I was told it's a mistake from my end. I’m so happy, I have started all over again and have a good apartment with my kids you can contact him through is via email (cyberatmhackingservice@gmail.com)
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