If you live in New York and work for a business whose owner thinks it is “too small” to offer health insurance, you may be in luck. In 2000, the governor of New York proposed to a comprehensive insurance coverage plan to be made available to New York employees and their families if they do not have health insurance. The New York Legislature ratified the proposal, and the program became known as Healthy NY.

According to Healthy NY, a “small business” is one that has 50 or fewer employees. When a small business has this number of employees, the business feels as if it can not afford to offer low cost health insurance to its employees; however, thanks to Healthy NY, all small businesses can take advantage of offering low cost health insurance to its employees.

The even better news is that you do not have to be an employee of a small business to purchase low cost health insurance through Healthy NY. Sole proprietors may also purchase low cost health insurance through Healthy NY.

If you work for a small business in New York that does not offer health insurance because it feels as if it can not afford to, talk to your employer about Healthy NY. Not only with Healthy NY benefit the employees of the business, but being able to offer low cost health insurance to employees will also help your employer because he or she will be able to attract and retain quality employees.

For free quotes and a lot of information about insurance please visit the following recommended sites.

2 Hu Al Al Al: Blend a Tom Weiskopf private course, access to a neighboring Jack Nicklaus resort course that hosts the season-opening Champions Tour event, Four Seasons amenities, beach and ocean panoramas and flawless weather and you have a success recipe unrivaled in the islands.

3/ Kiawah Isl And: It scarcely seems possible that more than 4,000 residents call Kiawah home, tucked in as they are among 10 miles of beach, 10,000 acres of maritime forest and seven courses, including two that are completely private, Tom Fazio’s River and Tom Watson’s Cassique.

4/ Palmetto Bluff: Now five years old, this 21,000-acre tract that edges Hilton Head epitomizes the pinnacle of tasteful, low-density development. Dominated by untouched Lowcountry scenery, the quiet buzz revolves around the Jack Nicklaus-designed May River Club, the low-key Inn at Palmetto Bluff and a waterfront village.

5/ Mountaintop Golf & Lake Club: “Mayberry, with money,” is how some describe this cool Blue Ridge Mountain summer retreat situated at 4,100 feet. All the renowned Discovery Land Company bells and whistles are present, from the gorgeous, stream-slashed Tom Fazio golf course to the distinctive Outdoor Pursuits program.

Since its 2003 debut, Pronghorn has attracted active lifestyle residents with a solid menu of four-season fun, from skiing at nearby Mt. Bachelor to golf at its Jack Nicklaus and Tom Fazio courses. Also appealing: Bend’s incomparable dry, high-desert summer weather and the town’s deep offering of recreation.

6/ Santa Lucia Preserve: They named this place perfectly: only 300 home sites, at a five-acre minimum, were made available on a 20,000-acre parcel high atop a mountain three miles east of Pebble Beach. The balance is mostly nature, though there’s also a rolling Tom Fazio layout, an equestrian center and a rambling hacienda-style clubhouse that dates to 1924.

The need for the assistance from New York real estate agents usually marks the beginning of something wonderful, like a family purchasing their first home, or an individual getting promoted and moving to the area. While this can be a great time in a person’s life, they must choose their real estate agent carefully to ensure that their experience is pleasant.

For an individual who is buying a home, it is important to talk to the agent and be very observant of their answers and behaviors. A good real estate agent will ask questions about the size of the family, which types of school districts the family prefers and the time that the homeowner would like to spend commuting each day. A real estate agent that does not ask these types of questions may not have the buyer’s best interests in mind.

Individuals that are selling a home should choose New York real estate agents that will take the necessary time to help them through the entire process. A good real estate agent will go over the home in great detail and make a list of all necessary repairs and other items that need to be addressed before the home is listed on the market. It is also important to choose an agent who is willing to help the seller stage their home for the open house.

The reason why it is important to have the real estate agent help with these steps is that they know what potential home buyers are looking for and they will know how to arrange the home to show off its best features. Regardless of how good the real estate agent is, it is important that they be friendly and helpful through the entire process of buying or selling a home.

Media industry also plays a fundamental role in the economy of the city. There are 4 dailies and many special interest publications that are delivered daily in the market. Along with that, this city has more than 10 local TV channels, in different languages as well. The media market is quite crucial, as most of the films and serials are now being casted in this city, and interviews with important people are conducted here. Moreover, renowned and famous media industries have either set up their headquarters or their offices in this city, as the cost of making films, advertisements etc are low here as compared to rest of the America. The media industry nearly generates the revenues in million, nearly all of which becomes the part of the economy of the city.

In addition to all these, the city of New York has an excellent harbor. Thus making trade via sea is possible here. Since 17th century, this country had been trading with the rest of the world. Countries like France, Poland etc have also set up their ports here. If seen historically, the real boom in the economy came after the Second World War, when thousands of immigrants came to this city and worked here to improve the economy of this city. Even today, the economy of the city is quite stable and it’s generating in billions per month, and hence, is mentioned as the heart of the Canada.

There are so many misconceptions about pre purchase home inspections from all standpoints starting with the seller. They usually could care less about the inspection as they feel they have nothing to gain and only stand to lose. This is so untrue but often people do not stop and really give that any thought. No matter what shape the owner feels his/her New York property is in, the smartest thing they can do is spend the few dollars necessary for an accurate home inspection. Spending these few dollars in the beginning will save you major dollars and stress in the end. If the owner has this information in advance, even before listing the house on the market, it helps the seller plan accordingly and prices the house accordingly too. The seller can either make repairs himself or at least get bids from contractors to show the potential buyers when working out a price.

Most everyone thinks that a home inspection is only for the “protection” of the buyer. That is only partly true. Yes, the purpose of the inspection is to reveal any unknown issues with the house but by no means does the buyer order the pre purchase inspection to make the house out to look bad, remember the buyer is hoping more than anyone that the inspections turns out favorable. They just want the inspection to validate their decision to make the purchase. The buyer wants to know if there are any big ticket items that need to be addressed or maybe even a bunch of smaller issues. The New York home inspection is actually your first in depth “get acquainted” look at your new home because it covers information on so many of the homes’ components, systems, utilities and their locations. If your home inspector is like most concerned inspectors’, he is your source for information that you can turn to long after the close of escrow when everyone else involved in the deal has disappeared.

New York is considered as the world’s main financial and international business center, so any investment in this area, will never prove to be a wrong investment, as the realty chart has watched an uptrend for all times during the past decade. Retail rentals in prime locations have, historically, been always into high demands.

Keeping aside the other parts of the state, the city of Hudson, Geneva, Buffalo, Beacon and New York City itself, has much higher investment-returns comparing others. Numerous major corporations are headquartered in New York City, including Fortune 500 companies. New York is also unique among American cities for its large number of foreign collaborations. One out of every ten private sector tie-ups in the city is with a foreign company that makes real estate in New York an altogether profitable issue.

New York is called out to be the home to some of the Nation’s and the world’s most valuable properties. Be it the Food, Hospitality, Employments, Garments, chemicals, Furniture whatever, – the state has its units confined within itself, lubricating the real estate business owners ultimately.

Another major reason considered to be the property business, booming up here is its Weather conditions, which are sunny and pleasant throughout the year. For many this makes a reason to reside and live here even though the cost of living is high and the place remains crowded.

Even if you are a first time home-buyer or an experienced property investor, while buying a property in New York, you should be well versed with the laws and regulations governing property transactions in the New York State, and can get advice and help from concerns associated with real estate law in New York. Additionally, you must be aware of the facts in regard to the authenticity of the Legal papers associated with the property buying, before you leap into any property investments.

One of main reasons to buy real estate in New York could be the availability of jobs. High number of available jobs becomes a major reason for people to relocate, and this is a strong action upon in the creation of wealth in real estate. New York has a booming economic system based on technology and services. Although some older regions are yet losing a down life in manufacturing jobs, still many areas of New York have an economy based on technology.

A yield strategy in the US would mean investing in a midsize of small city. For example, Syracuse, New York is a college town with a yield of 10 to 15 percent. From personal experience, the appreciation from a city like Manhattan New York far outweights the rental yield cashflow from a midsize of small city.

Commercial property yield in New York (Manhattan) is driven by price point. The lower price point properties, less than $20 million, generally have an asking price at a 5 percent yield.

The higher price point commercial properties, more than $30 million, would have a higher yield, perhaps 8 percent or more. Reason is that at a higher price point, there are fewer players which decreases demand. Also, buyers at the higher price point are often institutions that put a lot more pressure on sellers from a pricing perspective.

The value of commercial property is driven by yield. Similar to a stock’s PE ratio. The more the landlord can obtain in rent, the higher the value because a set multiple, in this case rental yield, would be applied.\

Wei Min is a real estate broker and investor focused on investment property. He is Founder of Castle Avenue Partners in Manhattan, New York. Previously, Wei Min was VP at Citigroup responsible for a $500 million portfolio. He received Citigroup’s prestigious Chairman’s Award, a recognition awarded to the top 2% of managers. He was also Director of Travel Insurance at American Express where he managed a $180 million portfolio.

Wei Min has traveled to many cities to view thousands of properties. He speaks English, Cantonese Chinese, Malaysian and Mandarin Chinese. He graduated with an MBA from the University of Illinois at Urbana-Champaign and a BBA from Marshall University.

A recent report by Prudential’s Douglas Elliman shows housing prices have doubled in the last ten years in Manhattan. For example, a decade ago the average price of a home was $710,000. The average price this year is almost $1.4 million. However, prices are coming down as indicated by the 12 percent DROP from the previous year.

With this kind of up and down activity on the home buying/selling front, the good news is there are real estate agents available and ready to help you find real estate to rent. This is a phenomenon that we’re starting to see across the nation, but it has been perfected by New York agents. Often renters will be required to pay a finder’s fee, but overall rents are dropping along with home prices.

The least expensive place to buy an apartment in New York, as reported by Habitat New York, is Uptown, Brooklyn or Queens. Here, studio apartments start at $1200 and three bedrooms start at $3,000. The most expensive are in the Upper East Side, Upper West Side, and Midtown apartments that start at $1,600 per month and go upwards of $12,000 per month.

If you’re ready to take a bite out of the big apple, be prepared to pay the apple’s weight in gold to buy or plan a good commute for the most affordable apartment rentals.

There are two categories of real estate lawyers in New York: litigation lawyers, who mainly work on lawsuits involving real estate, and transactional lawyers, who mainly deal with agreements and contracts involving real estate. Before hiring a real estate lawyer, clients should decide on which of the two types of lawyers they need. A New York real estate lawyer helps clients drawing up a lease agreement based on New York real estate law when leasing a real estate property, and represents the client if any landlord-tenant disputes arise. When purchasing real estate, one has to sign up a Promissory Note, so it is always advisable to keep a real estate lawyer present.

It is essential for all New York real estate lawyers to pass the bar exam, which includes multiple-choice questions and essay questions. On passing the bar exam, one must apply to the Appellate Court to seek entry to the bar and, after passing the interview with the Character and Fitness Committee, one can practice law in New York. Some of the most prominent real estate law firms are the Law Office of Kevork Adanas; Silverberg, Stonehill, Goldsmith and Haber; the Harry Herbertz Law Offices, and many more.