Tag Archives: renting

Home (Theater) Improvement

“This is the end of life as we have come to know and love it.” I thought as I watched thirty five square feet and 1080 progressively scanned lines of glorious television walk out of my life forever. My roommate, along with his beloved projector, was headed for greener pastures, leaving the rest of us to languish away into sad, lonesome, standard-def obscurity.

The Projector

There’s a lot of good literature out there on the Googles that will help guide you to the perfect projector. Since we had become accustomed to a certain standard of television, we were looking for a 1080p projector, 60Hz would do, with a minimum contrast ratio of 1:2000. But In terms of what kinds of projectors are available on the market (from the $200 VewSanic knock-off to the $20,000 3DMax Sound-O-Vision Extreme), the price range we were expecting was between $500 and $1000. But for us our wallets, we were just looking for something to “scrape by.” So, when we found an $800 projector that hit our minimum requirements, but was available for $580 through a special refurbished program, we jumped at it. BOOM. And we had a projector again.

Everything was hooked up to the cable and DVR—we turned it on and… there’s no sound. Maybe we should have thought this out better. With a trip to RadioShack for a ⅛” stereo to ¼” mono adapter, we were able to jury rig my fiancée Meggyn’s bass amp in as a temporary sound system. Well, at least it was loud and thumpy!

The Mount

Bliss settled in, until we realized we were merely maintaining the status quo. Like cavemen watching the firelight flicker across the wall. With the projector haphazardly settled on an end-table with a book underneath to prop it up, the risk of inebriated guests leaving open-topped drinks on the same table and toppling them into the delicate internals—the horror, the horror!—was just too high. Of course, I’d just dropped an inordinate sum of money on a brand new projector, so I wasn’t keen on the idea of dropping even more moolah on a television mount that wouldn’t directly affect the viewing experience.

One of the nice things about living in a leased house is that you never know what surprises you might find! After hunting around for extra shelving, I came across an old television mount up in the back corner of the garage (the kind for those tube TVs that could smash toddlers to atoms). And so began the next obstacle: the mount was bolted into a high wooden rafter in the garage, but we only had drywall in the living room… To Google! It turns out that as long as there’s a stud behind wherever you’re screwing in the mount, it should hold weight. After a trip to the local Ace hardware to buy some screws that could be used to drill to China and a quick download of the Bubble Level app—to make sure we weren’t setting ourselves up for a neck kink—we got to work. (Contrary to Meggyn’s expectations, the level app did a good job!)

And then failure struck—we broke two of the screws because we thought we could get away without drilling pilot holes. It’s TOOL TIME! We borrowed a drill (thanks, mom!), and we raised the projector up like the Mennonites raising a barn. Then we cracked open a few beers to celebrate exactly like the Mennonites would not have.

The Connections

Now we were getting somewhere! We could no longer inadvertently destroy all of our wonderful video goodness without some extra effort of lobbing liquids towards the ceiling. The next failure, of course, being that we couldn’t actually connect the cable or the power to our ascended projector. Who wanted to get lost in the details of connecting this, right? What are we, rocket surgeons?

To solve our connection problems, I repurposed some unused bookshelves I had bought for my room. With a few more marks and holes in the wall next to the projector mount, I added a shelf in the living room that we loaded up with every bit of television-related electronics. To paint the picture for you, we now had the projector on the old TV mount (in the dead-center of the wall), an overburdened shelf stacked with enough boxes with blinking lights that it may have been flagged by the NSA, a bass amp on the floor, and so many power cables and audio/video cables strewn about that they might as well have been vines in a nightmarish Lovecraftian dystopian future of cybertronic Amazonian forest… Let’s leave it at “messier than a dorm room during finals” and be done. But now that everything worked, I was at: “Please, for the love of God and all that is holy (and not blinking lights at me), let me be done.”

The Organization

Now we had a beautiful 1080p picture taking up the front wall and plenty of loud thumpy sounds to accompany it. Except if you changed the input from the cable to the Wii. Or to the Chromecast. Or to the Xbox. Was I the only one around here who understood which colors get connected to which inputs on the back of this thing?! Rather than attempting to teach every person who came to the house which cables to disconnect/reconnect to switch the audio whenever you switched the video feed (I just wasn’t up for writing the Connectionist Manifesto), I decided that another trip to RadioShack was in order. There I found an A/V switch for under $20 along with a few new A/V cables and a shiny new sound bar with subwoofer for definitely not under $20 (Meggyn was complaining about wanting her bass amp back and, hey, it was payday!). I returned to our humble, if electrically dangerous, abode armed with my new equipment, a sharpie, some wire ties, some labels, and as much determination as I could muster. I tackled the monumental task of improving our sound system, organizing our A/V shelf, wire managing all of the dangly bits (can’t leave any extra 1s or 0s), and setting our theater system up in such a way that at the press of a (CLEARLY LABELLED) button, my roomies, or any of our guests, could switch between video and audio streams at will.

The Finishing Touches

Life almost seemed perfect. It was simple enough to use the newly organized system, the new sound system was much more balanced than a 15 Watt bass amp, and whatever we watched was beautiful (except the Wii… stupid standard-definition output). But if you can’t find a problem to fix, then you aren’t looking hard enough. Some of the darker colors were being washed together by the projector, and it was sometimes hard to tell what was going on during scenes that took place in the dark. Blackout curtains became the next addition to the room. We got these thanks to a generous donation of leftover fabric from Meggyn’s mom. They just barely cover the full width of our window, but it works. Now, we can watch the projector during the day as if it were the middle of the night (without that pesky bedtime thing). Our last improvement was to go to OSH and buy some cinder blocks, push the couch forward so that it was closer to the wall (or rather, the screen), drop the cinder blocks behind the old couch and ADD ANOTHER  COUCH. Because couch. Now, we’ve got theater-style seating to go with our home-theater!

I still don’t think we’re done making improvements, but for the moment we’re pretty happy with how everything turned out. And the only really spendy parts were the projector itself and the sound bar—things which will be following us to our next house! Thanks to some successful craigslist foraging, the new couch was free, and the cinder blocks we used to prop it up were a few dollars apiece. We used five blocks for the couch and another three to make a recycled-plywood footrest.

All-in-all, we could have done a much worse (much more expensive) job of converting our living room into one radical home theater.

Photo by Michael Cox

Photo by Michael Cox

Suing Your Landlord (aka Beating The Man: Part II)

We’ve all experienced a landlord, employer, contractor, etc., who has not held up their end of a bargain—withholding money from you simply because there’s no real incentive to pay. It’s frustrating, and once you’ve exhausted the VERY PASSIVE-AGGRESSIVE EMAILS, there’s not much to do besides take legal action, which can seem more daunting than it’s worth. But if you have the stamina and sufficient proof for it, and especially if you have an ongoing Beating the Man blog series, suing someone is a surprisingly navigable—and if I may say so, awfully satisfying— adventure.

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Let me begin by saying that I adored my wonderful little tenement apartment in the Lower East Side since early 2009 when I (and UE contributor Emmy Yu) moved in. It was a tiny place with a huge private patio, on what is arguably the best block in Manhattan, not that I’m biased. My long-term plan was for my boyfriend to move in with me, turning the two-bedroom into a one-bedroom with a living room. Then we would live there probably forever, eventually befriending the owner and quietly purchasing the entire 5-story building from him/her for a scandalously low rate.

In December of 2012, my building was sold and my dream along with it: the new management company told me they were going to raise my rent $850 (36%) per month, and no, they wouldn’t budge on that. This is legal, by the way, if you live in a non-rent-controlled or rent-stabilized apartment in New York, and the raise remains below the designated market rate.

I made preparations to move out and got my things in order, including taking care of some shady “late fees” amounting to $770 that had been thrown onto my account. This is something the former landlord used to do for kicks—a few hundred dollars would accumulate on my bill, then I would call them to protest and they would quickly say “Oops!,” tossing their hair impishly (I imagined), then drop the charges. But because the old management company was pretty much checked out in anticipation of the sell, I couldn’t reach anyone regarding the bogus charges—known as arrears in real estate-speak—and when the building was sold, my arrears were transferred to the new management company without any documentation (because there wasn’t any to begin with).

A months-long series of conversations and emails of bank statements (to prove rent payment) with a representative from the new management company ended with her CFO not budging on returning the $770, and it was withheld from the security deposit that they finally sent me. “Looks like I’ll be taking you guys to court,” I said, without any idea what that really entailed. “My boss says ‘go right ahead,’” responded the rep. Not wanting to back down, I was determined to follow through on whatever it was I had just threatened to do. So I did what any grown-up would do: I Googled “suing someone.”

My reliable friend the Internet led me to this helpful site, about filing small claims suits in New York State. I planned to go to the District Court on Canal Street one morning before work, but the night before I intended to file, I discovered some fine print on the District Court site that said I had to file in the county of the defendant. And since the company is based out of Great Neck, NY, that meant filing in the Nassau County court…. in Hempstead, NY. I realized then why the CFO had called my bluff. This was much farther than Canal Street.

Not to be intimidated by inconvenience, I woke up around 6:00 the next morning and headed to the train station, where I hopped on an hour-long Long Island Railroad train to Hempstead and walked to the District Court building from the station. I made sure to save all of my travel receipts so I could amend the final amount on my court date (which you can do, or at least request, on the day of). Inside, at the small claims office, they handed me a very basic form to file a small claims (under $5000) complaint. I handed it back, paid the $15 filing fee, and was assigned a court date for about a month later. Easy peasy. I walked back to the station, jumped on a train back to the city, and headed to work.

My court date was ultimately pushed back another month when I realized that I should have included the LLC associated with my particular building in addition to the management company. Typically, when you mail a rent check, it’s to the LLC for your particular building and not to the larger management company that handles the buildings it owns. That way, it’s easier for the larger company to avoid liability (“We didn’t know! We don’t deal with individual tenants!”). I was able to amend the complaint over the phone and the small claims office pushed the date back so they could send an updated summons to the now-two defendants.

I called my aunt and uncle (both lawyers) to ask their advice regarding court and to gauge my chances. They told me that New York courts tended to be tenant-friendly, but I should bring everything just in case. And fortunately, having inherited the hoarding gene, I had everything: the original lease from 2009 (detailing the late policy), the original inspection form, proof of every rent payment in the form of bank statements, and photos of the apartment, in addition to every email correspondence I’d had with the evil management company.

On the day of the court appearance, I brought my small mountain of documentation with me on the train, and I showed up at 9:00 for my 9:30 summons. From the crowd of people milling around a signup sheet outside my assigned courtroom, I gathered that there were about 30 cases all scheduled for that morning. I took note of the number listed next to my name and grabbed a seat in the courtroom, which looked pretty much like a conventional courtroom: 10 or so rows of benches, a long desk in the front, and a judge’s stand behind that. I realized then that the people filling the seats in all those Law & Order court scenes are just pending plaintiffs and defendants, listening patiently to Detective Benson’s gallant summations until their turn to see the judge. I looked around for my defendant.

A clerk took attendance by number. If the defendant and plaintiff were both present, he sent them down to a mediation room, where an arbitrator would help them come to a settlement. If both sides couldn’t come to a settlement, then the case would be sent back up to the judge to decide after each pled their case. When the clerk called my number, I raised my hand, but no one from the management company was there, so he pushed my case to “second call” and moved down the list. I had an in-case-of-boredom novel I brought open in front of me, but hardly glanced at it; there’s something bizarrely intriguing about hearing the various disputes people have with each other. The clerk was patient but clearly trying to move as briskly as possible through the cases, occasionally (to my suppressed glee) sniping at someone for talking out of turn or not answering his question properly.

He assured us that we would go through the second call before having to sit through trials of failed mediations. This meant that if a rep from the management company didn’t show up by the time my case was called again, the case would be called an “inquest” and the judgment would be defaulted to me provided that I could prove the amount owed. Sure enough, my name came around again and no one had showed up. I can’t say that I wasn’t a little disappointed not to open a can of dossier whoop-ass, but I would get a chance to present to the judge nonetheless. I handed the clerk a paystub listing the arrear amount, which he passed up to the judge. Because they were trying to get through all the inquests before the lunch break, neither inquired any further into my case or asked for any additional proof. So I wasn’t sure how understanding they would be, especially because I didn’t get a chance to really explain my case, but when the clerk handed me an envelope to self-address for the judgment, he commented, “You have a lot of enthusiasm, young lady.”

A week later, I received a judgment in my favor for the full amount, plus interest and travel fees, and I did a little jig. But it would be another month before I actually saw any money. The company tried to delay paying me in every way possible; first telling me they were trying to reschedule the hearing because their rep had to go to a funeral, and then just flat-out ignoring my calls. Too stingy to hire a marshal, I conjured up that ingrained skill of all youngest children—the great power to annoy. I began calling about once an hour every day, often repeatedly until I could hear the gratifying click of them manually hanging up on me. It took them a week to realize that they would rather pay $800 than deal with me any longer, and when they did, a check appeared in the mail.

… And you can, too! By now, you’ve realized that anyone with Internet access and the willingness to be a total thorn can file a suit if they feel financially wronged. I highly recommend it, as nothing feels better than sweet, sweet justice, except maybe depositing an $800 check. Here’s some advice if you do take action against a company: Save everything— receipts, forms, leases, take-out napkins. Be vigilant. Be very, very, very, very irritating. Bullshit your way to the finish line (everything is Googleable), and remember that confidence—even if preemptive—will help sway the powers that be onto your side. And always bring a book.

Stay tuned for the next installment of “Beating The Man,” in which I try to sneak into the bathroom at The Four Seasons.* Succeed… or die!!

*JK

Protect Your Shit: Renter’s Insurance

Congratulations, you signed your lease on your new apartment! You moved in all your furniture, your PlayStation 3, your MacBook Pro, and your collection of Christian Louboutins. Three weeks later, you arrive home to find that your downstairs neighbor didn’t realize blocking the built-in wall heater with a wooden cabinet was a bad idea. Your apartment is scorched, and your belongings have been reduced to ash. But don’t worry—your landlord has insurance, so you’ll be ok… Right?

Actually, no. Your landlord has insured the building but not your personal property within the apartment. Stories like this are why you should consider getting renter’s insurance.

What is renter’s insurance?

Renter’s insurance covers your personal property within your apartment. In the event that it is damaged or stolen, the insurance company will give you the money to replace the lost belongings. (Just like your parents’ house insurance.) Renter’s insurance also provides liability coverage, which can help you if someone gets injured in your apartment.

How much is it?

Most renter’s insurance plans run $10-$35 per month and the price is determined by the size of your apartment, the value of your belongings, and your deductible. Personally, I’d rather pay a little more per month for a lower deductible—to avoid shelling out $500 before the insurance kicks in—but it’s your choice.

But do I really need it?

That really depends on you. One way to determine if you need renter’s insurance is to add up the costs of all your belongings and decide if that cost merits purchasing insurance. (Try using a rate calculator like this one offered by State Farm.) If not, consider less expensive options, such as getting a safety deposit box at a bank for any priceless treasures.

Another thing to consider is the location of your apartment. What’s the crime rate in your area? Have there been a lot of break-ins? Do you live on the ground floor?  Do you live in a town where frozen pipes are common? Are you (or your roommate or your upstairs neighbor) likely to flood your apartment?

Finally, if you are a pet owner, and your pet was to bite another person, your renter’s insurance may be able to protect you from a liability lawsuit. (There is such a thing as pet insurance but it’s pet health insurance, similar to your medical insurance.)

How do I get it?

Progressive, AAA, Geico—any major insurance company—will offer renter’s insurance. I recommend trying to get a plan with the same carrier as your car insurance because they might offer a sweet multi-plan discount.

Am I missing anything?

Be sure to read the fine print for each plan and know exactly what your plan covers. For example some plans only cover damage on particularly valuable objects—such as musical instruments, electronics and fine jewelry—to a certain value. Others may have additional costs for liability coverage. Some policies will still cover stolen or damaged items even when they’re not at home (for example: in your car or hotel room).

But wait: you’re not done yet. Do you live in an area prone to natural disasters such as earthquakes, hurricanes, tornadoes, and/or floods?

You might have to purchase additional insurance to protect yourself. These plans have varying costs and restrictions. For example, residential insurance policies in California no longer cover damage sustained during an earthquake due to the losses sustained during the 1994 Northridge earthquake. You have to purchase additional insurance for this and other natural disasters, outside of your standard renter’s insurance plan. How this insurance is administered is regulated on a state-by-state basis.

In some cases, you may need multiple policies to cover one disaster. There was a lot of controversy after Hurricane Katrina as certain hurricane insurance policies only covered damage due to wind—despite the fact that hurricanes often bring rain and, therefore, floods. Many people were not covered since they had not purchased additional flood insurance.

I’m still not sure, where else can I get information?

Sites like this one from Allstate or this one from Insure.com have explanations of renter’s insurance that can help.

In the end, whether or not you purchase renter’s insurance is a personal decision. Just remember to make sure you know exactly what you’re getting. Nothing is worse than buying into a policy and, when it’s time to cash in, discovering you aren’t covered the way you thought you were.

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Photo by Michelle White