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I'm writing this in response to recent threads asking what it's like to live here(? ) and about the viability of the new development. The aim of this post is to inform, not to preach. I invite the born and raised set [still the majority] to comment as well. TL;DR check out: How Newark Became Newark: The Rise, Fall, and Rebirth of an American City Background: New-ark Not New York The most important thing to know as a new resident with an arbitrary set of expectations about what Newark is, is that it is is not New York. It's not a city raised or recreated over former rail yards to feed goods (now people) into New York City like its other Jersey siblings. Newark began as a new colony, evolved into a manufacturing powerhouse, a center for industrial innovation, and developed a fairly robust commercial services sector of it's own. Newark was one of the first cities to suburbanize, and the most resource-rich people moved to greener pastures of Essex and Morris counties. The riots happened and completely cut the legs off the city albeit three important anchors: The People of Newark who dug-in, raised (many times single-parent) families, and kept up the culture The Prudential Insurance Company of America The Ports (air, sea, rail) Newark and Greater Essex county is and was an independent economic, socio-cultural center.
Alternative currencies pop up, actual trades happen and go unreported, crime even shifts when things get too bad, again with Venezuela, I read that criminals were moving to other countries because the people were too poor to even make anything robbing! You can also have a business where you write off so many things that you would use anyways. The numbers get... err... odd, play the game. It is usually around 10 years of chaos before things start "stabilizing. " and even then, so much damage has occured. This is a serious thing that has happened to once prosperous people / civilizations in the 't think you're exempt, especially when the numbers are at historical limits in many countries. Invest in yourself and what you use regularly.
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Rents are high, houses are just as expensive as NYC when you compair cost to the pay, rents are even higher, and national/global companies don't reduce the cost of their products in areas where people make less money. You might save 12, 000 a year but you are going to 1/2 the money or less. The state tax in NY, one of the highest taxed states, is 4% to 8. 5%. The bracket you fall I to under 215, 000 a year is 6% meaning on every 100k you 6, 000. So you're saving as a garbage man about 18k a year (with cost of living savings) but making 44k less. Meaning you're loosing about 26, 000 a year. You can get cheap housing in Florida, but be prepared to live in the ghetto. NYC ghettos and Florida ghettos are very very different. Mayor Giuliani really cleaned up NYC. The crime rate is historically low even with the mentally disabled mayor running the show now. Florida hasn't had that same cleanup of crime. Florida has open air drug markets which haven't been seen in NYC since the late 90's (open air is selling drugs on the corners freely).
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Will this be a uniform experience all over the states? Nope. I'm biased towards the white collared suburbs because that's where I fit in. But the fact is that you'll find your niche if you look and the life you want will be far easier to achieve here than anywhere else. I've obviously focused on the positives here because that was the perspective I wanted to share. Of course there are negatives that people circlejerk talk about all day. So if you are here, or are visiting - get out of your comfort zone. Don't hang out with 10 people from your city and cross road and spend all your time doing what they do. If you're in India, remember that you only see the stats worth reporting. If you feel offended that r/worldnews focuses on rape in India tell yourself that you're not doing any better by basing your opinion of what's said on r/politics or even reddit as a whole. TL;DR - India vs US - Who's to say what's better? I've made my choice, I ask that you don't decide until you see for yourself.
At that point as a dealer you're just kinda like "this is gonna be the best I can do right now, let's send this number over to the bank and see if we can even get the deal done". If they don't like that... meh, let em walk, someone with cash will show up later and buy it. Second, as far interest goes gimme a break people. In SC my average competitor in the buy here pay here market charges 23 percent interest. Lenders like Lendmark and Liberty Financial, charge like 8-12 percent interest. Even bank loans are like 3-6 percent for people with good credit. Yall add up how much each payment is X how many times you gotta pay it. Its gonna be much higher than the amount you borrowed. Thousands if you are in the ranges we were talking about.
Final top level edit: I think a lot of people are turned off by what they perceive as "material comforts" when all I'm talking about is life experience. Roti, kapda, makaan - at the heart of it all it's something we all need. Please don't tell me these aren't the aspirations of Indians in India. The overarching point of this post is to highlight that I'm not special, these are the positives an ordinary middle class coder can find. And without even talking about the outliers like the Nadellas and Pichais, Indians here in the US are far more successful than this and do great things, give back a lot here and back home. Of course this is my perspective, who else could I speak for? :) Thanks for all the comments, the PMs and insightful thoughts. Greetings! At least once a month I see threads on r/India where people complain how miserable they are in the states, and how much things suck here. While I don't think this is utopia, I find that people seem to overwhelmingly dwell on the negatives to make some justification about life in India.
If the market holds, investment will continue flowing: Downtown Demand: Up to the imagination for everyone but the developers (who surely have honest numerical projections sitting in a computer file somewhere) Supply: Also, up to the imagination for all save the developers, though the potential supply is apparent and dramatic Best Case Scenario: Newark retains it's identity Downtown offices will be converted. Mix of chains, and independents below Economically, racially, culturally, income diverse with Morristown small-town vibe on a city scale. Professional artists still have a place secured by moderate-velocity housing demand coupled with high-velocity developer speculation and some affordable housing statues Worst Case Scenario: Human self storage (see Harrison) Ironbound Demand: High, exceeding downtown on the recent conversions. High on the MX-3 superblocks Supply: Currently at or near capacity on existing stock, implying: Development flows eastward along vacant parcels of Riverbank-Park Investors start buying and flipping the multi-families in the interior OR Interior supply is constrained on by hold-out's Demand is constrained by new-comers wanting "modern amenities" (concierge, communal foos-ball tables) Best Case: Retains its identity and augment's that identity architecturally, culturally, socially Miscellania - This series on YouTube looks awesome; hosted by late great Newark historian Clement A.