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				<title><![CDATA[Cooperator - Articles - 2007 Jul]]></title>
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					  <title><![CDATA[Managing Laundry Contracts]]></title>
					  <link>http://cooperator.com/articles/1476/1/Managing-Laundry-Contracts/Page1.html</link>
					  <description><![CDATA[Having a well-lit, well-maintained laundry room in one's building is a definite plus. Residents don't have to traipse out to the overcrowded Laundromat in the dead of winter or in the pouring rain to spend hours waiting for machines when the facilities are right in their own building. Residents will depend on their building's facility to be clean, modern and in good working order. The building's board and management company will expect that the laundry vendor will provide new machines, good service, updated technology&#8212;bye-bye coins, hello smart card!&#8212;and regular maintenance. ]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Thu, 09 Aug 2007 14:49:33 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1476/1/Managing-Laundry-Contracts/Page1.html</guid>
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					  <title><![CDATA[Harlem on the Rise]]></title>
					  <link>http://cooperator.com/articles/1475/1/Harlem-on-the-Rise/Page1.html</link>
					  <description><![CDATA[Nearly every neighborhood in New York City has had its fair share of ups and downs over the decades. Yesterday's demilitarized zone is today's luxury condo haven. Double-wide strollers wheel down sidewalks where yuppies once feared to tread. This has been the pattern everywhere from the East Village to Hell's Kitchen&#8212;and don't even start with Brooklyn&#8212;but nowhere has the resurgence of development and renewed real estate interest been quite as clear as it has been in Harlem. ]]></description>
					  <author>no@spam.com (Jonathan Barnes)</author>
					  <pubDate>Thu, 09 Aug 2007 14:45:10 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1475/1/Harlem-on-the-Rise/Page1.html</guid>
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					  <title><![CDATA[Renter vs. Shareholder Mentality]]></title>
					  <link>http://cooperator.com/articles/1474/1/Renter-vs-Shareholder-Mentality/Page1.html</link>
					  <description><![CDATA[When a long-time renter purchases a co-op or a condo apartment, the move is perceived as a step up. No longer are you just shelling out rent every month&#8212;you're building equity, investing in your own security. Regardless of whether your new home is a co-op or a condo, you have a stake in maintaining your building&#8212;and by implication, your neighborhood. ]]></description>
					  <author>no@spam.com (Raanan Geberer)</author>
					  <pubDate>Thu, 09 Aug 2007 14:41:51 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1474/1/Renter-vs-Shareholder-Mentality/Page1.html</guid>
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					  <title><![CDATA[A Look at the NYSSCPA]]></title>
					  <link>http://cooperator.com/articles/1473/1/A-Look-at-the-NYSSCPA/Page1.html</link>
					  <description><![CDATA[As the oldest state accounting organization in the country, the New York State Society of Certified Public Accountants (NYSSCPA) holds an iconic place in the numbers realm. With 16 chapters spread out across the state, from the Adirondacks to Staten Island and of course, Manhattan, NYSSCPA has grown to 29,000 members over the course of its 110-year history. ]]></description>
					  <author>no@spam.com (Liz Lent)</author>
					  <pubDate>Thu, 09 Aug 2007 14:37:58 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1473/1/A-Look-at-the-NYSSCPA/Page1.html</guid>
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					  <title><![CDATA[Financial Demographics Affect Buildings]]></title>
					  <link>http://cooperator.com/articles/1472/1/Financial-Demographics-Affect-Buildings/Page1.html</link>
					  <description><![CDATA[In any business&#8212;whether it's a flower shop or a gas station&#8212;there are those who have more dollars to work with, and those who have fewer. It's the same for co-ops and condos. New York is home to a seemingly endless variety of residential buildings, from four-unit boutique co-ops with apartments selling for eight figures to more modest buildings with 40 units going for six figures apiece. Some buildings receive government subsidies, some are involved in federal funding programs. Still others have former U.S. presidents&#8212;or Hilton sisters&#8212;living in their penthouses. Up and down, from the highest financial peaks to the valleys below, charting the financial differences between the thousands of co-ops and condos in the five boroughs can be dizzying enough to require a few doses of Dramamine. ]]></description>
					  <author>no@spam.com (Liz Lent)</author>
					  <pubDate>Thu, 09 Aug 2007 14:33:08 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1472/1/Financial-Demographics-Affect-Buildings/Page1.html</guid>
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					  <title><![CDATA[Estate Planning for Co-op and Condo Owners]]></title>
					  <link>http://cooperator.com/articles/1471/1/Estate-Planning-for-Co-op-and-Condo-Owners/Page1.html</link>
					  <description><![CDATA[Most people would rather not talk about divorce or 
 death. Unpleasant as they are however, they're both facts of 
 life&#8212;facts that any apartment owner must face up to and plan for. In the case a co-op or condo apartment, a thorough, 
 legally sound plan for your property is one of the most important things to 
 do before the need arises. Questions over ownership and inheritance are the 
 last thing a grieving or separating family needs at what is already a very 
 difficult time. ]]></description>
					  <author>no@spam.com (Keith Loria)</author>
					  <pubDate>Thu, 09 Aug 2007 14:29:55 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1471/1/Estate-Planning-for-Co-op-and-Condo-Owners/Page1.html</guid>
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					  <title><![CDATA[Refinancing Made Simple]]></title>
					  <link>http://cooperator.com/articles/1470/1/Refinancing-Made-Simple/Page1.html</link>
					  <description><![CDATA[Most co-op buildings carry an underlying mortgage&#8212;the cost of which is paid for each month by shareholders as part of their maintenance fees. Quite often, a co-op corporation will seek to finance a major project or building improvement by refinancing their underlying mortgage. The building's board is responsible for this major move within a co-op, and should always proceed with caution. ]]></description>
					  <author>no@spam.com (Crystal Proenza)</author>
					  <pubDate>Thu, 09 Aug 2007 14:25:37 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1470/1/Refinancing-Made-Simple/Page1.html</guid>
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					  <title><![CDATA[Beware of Red Flags]]></title>
					  <link>http://cooperator.com/articles/1469/1/Beware-of-Red-Flags/Page1.html</link>
					  <description><![CDATA[Consider the story of Dave. He was the treasurer for his co-op, and served the board for just over four years. Dave felt that he'd done a tremendous job&#8212;not that anyone ever noticed, much less bothered to thank him. ]]></description>
					  <author>no@spam.com (Greg Olear)</author>
					  <pubDate>Thu, 09 Aug 2007 14:20:32 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1469/1/Beware-of-Red-Flags/Page1.html</guid>
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					  <title><![CDATA[What Happens When a Building Defaults?]]></title>
					  <link>http://cooperator.com/articles/1468/1/What-Happens-When-a-Building-Defaults/Page1.html</link>
					  <description><![CDATA[Hard as it is to imagine such doomsday scenarios in today's more-than-robust New York City housing market, the truth is that there are plenty of buildings throughout the five boroughs that could very well be in danger of defaulting on their financial obligations. Or buildings that have members whose financial troubles will come back to haunt the board if they're not adequately handled. ]]></description>
					  <author>no@spam.com (Lisa Iannucci)</author>
					  <pubDate>Thu, 09 Aug 2007 14:10:58 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1468/1/What-Happens-When-a-Building-Defaults/Page1.html</guid>
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					  <title><![CDATA[Look Out for Predatory Lending]]></title>
					  <link>http://cooperator.com/articles/1467/1/Look-Out-for-Predatory-Lending/Page1.html</link>
					  <description><![CDATA[Cons and hustles are as old as civilization itself. For as long as there have been goods and currency to collect and divide, there have been unscrupulous individuals who are ready to relieve the unwary consumer of their holdings. Banking today is no different, but it doesn't mean consumers should operate with paranoia. A healthy dose of skepticism and a pocketful of questions can mean the difference between the perfect loan and the perfect scam. ]]></description>
					  <author>no@spam.com (Denton Tarver)</author>
					  <pubDate>Thu, 09 Aug 2007 14:05:26 EDT</pubDate>
					 <guid isPermaLink="true">http://cooperator.com/articles/1467/1/Look-Out-for-Predatory-Lending/Page1.html</guid>
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