Infront of me is
And many Indian students prefer to live in New Jersey
and all around here
Because the commute is much more convienient
much more affordable
than New York city
So, My New York's apartment where I lived for three weeks
Its rent is also $1000
View was also not so good
And it was a very small room
Kitchen was also average
But now here I present
in New Jersey Apartments Life
And we're gonna show you one of the best ones here
And give you the prices
which students can afford
So thats why, Lets meet Ritu
and Thankyou so much to Ritu
for having me here
So, Hi Ritu Can you please share
Why did you choose Apartment
in New Jersey as compared to New York
I mean how you'll see New york from New York
New York looks better from New Jersey
So according to me this
Also, The rents are still on the higher side
but less as compared to New York
In this much rent, You'll get a box in New York
Here you get spacious house
Wow
And finally one more thing
Taxes like Ritu told before
In New York
Everybody who's living in New York
has to pay a city tax
So, 2-3% is city tax
So that gets add on
with the rent you're already paying
So we didn't had to pay it in Jersey
Many people live in New York and Jersey
Sorry work in New York and live in Jersey
And in fact you won't believe
Some of my friends told me
that some people who study in new York
and take train from here
Its almost 30 min ride
For that you have to make pass
But the biggest thing is
when you buy even cup of coffee from starbucks
It costs $1 less
because of less sales tax too
Yes
yeah
In New York, We were spending $100 for groceries very fast
Here we're living in one of the most expensive areas
Still we save here
Oh my gosh
There how money will vanish You won't get to know
Here you'll spend but in limit
There's a upper cap
Wow
First of all, The view is amazing
See anywhere in New York City
wherever I saw
Parking was minimum $300
Even $300 in Brooklyn also
If you want to own a car
And do interstate commute
Its almost impossible to park a car there
$300 is insane
And how about here in New Jersey
I mean here also, Parking is not very cheap
But yes, Its more like $200 to $250
Like if you go more far from water front
You'll probably find even more cheaper parking
If you go one or two blocks here
then you'll get in $150
Here is around $200
And if you little that side
near exchange phase
Then there is $250-$300/Month
Oh my gosh
Yeah it is expensive
Any car! Have you thought about buying a car
We don't have a car yet
because we go New York and we manage but
Yeah
People keep with them
Here relatively less people own car
A lot of people go without car
But in Newyork we don't need at all
Here still we need sometimes
In New York, Its a liability to have a car
Here you can still survive with a car
Oh
Yeah
Now lets checkout your apartment
Thankyou so much for showing me
So here is friends, The New Jersey Apartment
This was not at all plan visit
This apartment is always clean
Thankyou so much you two for having me
Its not good to lie so much
Cleaned it in two hours
yeah we said harnoor is coming So lets do some cleaning
But thankyou so much for having me
The view from the window is amazing
Full window sized doors
which makes the view even more brighter
Is this sun facing
No
The only problem with this apartment that its not sun facing
But yes, Like you said
When walls are not like this
Such window gives very depth look
Its not so big apartment
as much it looks
yes
That is an advantage and mostly houses are like this here
Yes, This is amazing and
In new york, Getting balcony apartment is very difficult
But this is a big thing in Jersey
yes I'm saying, In this much amount just a box comes in New York
Here at least you have space in balcony to sit and stand
And water view, So its a big advantage
And I noticed when I was coming
When I went general square in New Jersey
I was coming back
And train was closed for one day
Yes How often the same happens with you?
Harnoor you have bad luck
That never happens
Never happens!
Its always ON
yes Its more reliable than subway
Really!
What I noticed
These path lines are more reliable than subways
You have an schedule and you work on a partiular pattern
So never thinking about car when you're commuting time and again
If you just want to go New York
Then you don't have to buy car
If your friends are out
You want to do something else
If you want to wander in summers
So you need car
If subway or our path is not working
So in water there's water way also
In $7 or $8
It'll drop you direct New York
And such are 3 in this lane
Wow
The buses that go from here to New York
There's also bus service to New York
Its not like that if there's no train then you're stuck here
there are 3 options in Public transport
There's not just subway
water way and buses are also there
That is amazing
And for budget, You'll see all kinds of apartments
As you go farther in the city
I have many friends who pay only $500
They share room
In $500 New Jersey becomes very affordable
And private also you get in $700
In New York, You'll have to live in conjusted area
In Jersey you can have good space
SiZe of rooms are big
Like you see these apartments are of bit new style
Ofcourse these are 15-20 years old
But in New York, You'll get very conjusted
In New York, You won't get washer dryer
You have?
yes
Wow
IN New York, You won't get microwave
In New York, You won't get dishwasher
Here there's modern facility also
and prices are also fine
I feel scared to do laundry
I thought if someone will steal my clothes
I was also in New York and I also felt it like a big task
Going there and doing all this
You lived?
You were sating in living
We in office reco
We lived in office reco for a month
In that apartment, There was no washer
So we had to go to the washer dryer in the building
And its rent would be $1000-$1500 more than here
Above that it was just a box, Just 600 sq ft
Thats the biggest benefit that
You address is this, So you get taxes according to New Jersey
But you work in New York city
Yes
So basically there are two types of tax
One is state tax of New York
When I was working there, We had to pay state tax of New York
Oh
But there's a city tax
Who's living in New York city
then that you don't need to pay
So if you're living in Manhattan or Brooklyn
Then you'll have to pay that tax
But since I'm living in New Jersey
which is not part of New York city
I don't have to pay that tax
And sometimes it'll take more time to come from Brroklyn
to come from bronks will take more time
We to manhattan from here
There's christopher street next to New port
That is one station
Wow
So it's faster to go to New York city
from here as compared to other parts
from bronks or brroklyn
yeah. From Queensland
If I want to go Times Square then I'll Times Square in 30 min
Wow
From here
That is a biggest pro
That is a pro x2
Wonderful
Sorry
This is the balcony
And Ritu just told me
that if you want Sun facing
where you can see sunset
There's $300 difference on that in Apartments
I never heard such thing in Athlanta
which is a big shock for me about NYC
I am little afraid from height
So I am good inside
We'll make you sit
Now lets talk about challenges
The biggest challenge of NYC is that if I am a software engineer
Your rent should be 40 times your salary
Lets say if apartment rent is monthly $2000
then my salary should be minimum $80k
If apartment rent is $5k
then my salary should be $200k for the year
SO that how the 40 times multiplication go
So you have to face such challenges here or no
yes basically, Not a lot
This is a rule applied
to filter out people with low salaries
Basically to determine affordability
So the same rule is here also
40x rule is here also that
If your rent $2000
then $80k should be your salary and so on
Oh
if salary is not high then they need to hire ensurer
How much it costs
I am not really sure about that
No one gives apartment then
Like we applied one apartment in this building
Aha
Our front and we gave same rent
We also gave same but they gave to them Not to us
Ohh
He must be having a higher credit score
There must be something
I mean if your all things are ticked in preference
So you'll get things easily
If any of your thing is little up and down
For ex. Your credit score is not good
or Your bank balance is not good
So the owners or renters take you as defaulters
So you get diff diff apartment
Like we apply for jobs
You apply for different apartments
where it gets approved, There you have to settle
No, You have to do 2-3 checks
Have to keep as a backup
Wow
Like we applied in one
we liked it but we didn't got it
And later we got to know that the rent difference was just $50
Oh
That is all
That we could have increased too but
He didn't gave us because
maybe his score card was better than us
Can you please share the advantages of living in Jersey City
Over New York
I think many Desi's are here
First is here are many desi people
if you roam down then you'll see many Indians there
Here in our nearby grocery stores
Indian stuff is available
Like Atta, Dal, All these things
And you just get in neighbourhood grocery store
which I think in New York
Liek the Kirana shops
Exactly same is here
So you'll get Daal, veggies, Biscuits everything
if you want to order grocery
All grocery stores have App
You'l order in morning and till evening you'll receive it
Wow
It happens like this also
Whats in tiffin service
Tiffin service in $11
In $11, You get one Veggie, 4 Rotis and salad
Delivered at home?
yes they deliver at home
$11-$15
Its from $10-$15
And fresh
That means, In morning aunty send that these are the items
There's option of two three daals
You can take it or no, No compulsion
We order on friday because friday is snacks day
Wow
So inside house means
belwo apartment or
Below x4
They come down
In New York city, You won't believe
when I was doing Uber eats delivery
Just for content
Not for Job
Lets mention this
he's Software engineer
So I was doing that
They told me that You got up yourself
yes
So they took me to 15th floor
Thats good
And advantage here than New York is
In Neww York, Living is very cramed
Buildings are old
There smell of marijuana is a lot
Here its not
thats amazing
There's little dirt
Here are open streets
And many parks
If you want to live near India even being out of India
Even if you want to live in foreign
There is Indian street near the square
You get nice New york view from here
very nice lifestyle is here
Feels like its some society of Mumbai
So that all you can mark in advantage
And if you'll see and divide being students
then it'll be very cheap for you
Here are buildings
Every building has its own rent
And in the front building, Same portion will be $200-$300 less
even $400 less
So its not like, All is expensive
Not all is cheap
Like some are older buildings
Or some doesn't have washer dryer
So rent gets automatically down
SO if you want to start from beginning
Then its easy
I mean I wanted to say that here in this area
I mean in general
yes that is truth of Jersey city in general
Aha
That if you live in any area
then you'll be friends with a lot of Indians and lot of students also
There are many students in this area
These buildings are mostly filled by students
Wow
And all live together
And path connectivity is very nice
Here is path
More reliable
Infact there's light trail if you want to go in and out
And you get Indian food
Its really cool
if you want some aunt for work
that also you can afford here
Really!
Liek students call maid
who can cook
So people hire them for this
Wow
Wonderful
Fresh food
That is Amazing
Thankyou so much Ritu for having me
I learnt so many things from them
Really
Absolutely
Got to learn a lot
And also, For free food here
Enjoyed a lot
Thankyou so much
No x4
Thankyou so much
Awesome
Thankyou
And Thankyou prashant as well
By the friends This is the view from New ports New jersey
And I met many students
in New Jersey
And I noticed that
Many people also try to work really hard
Many people do a lot of hard work
either they are from latin america or India
from wherever they are
They work really hard and they also try to work on cash
which is not legal
not recommended
But many students do
I am not trying to say anything against them
But I am just trying to warn them
that be careful
Its anyway illegal in New jersey or New York
to ask someone if they have work authorization
No one can ask you
But at the same time
if someone knows youur Name and roll no
Then they can report you
So be careful
Don't reveal your full name
full ID card
Don't reveal that