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		<title>Annual Charges? A number of New Credit score Playing cards Are Choosing Month-to-month Ones &#124; Nationwide</title>
		<link>https://dailysanfranciscobaynews.com/annual-charges-a-number-of-new-credit-score-playing-cards-are-choosing-month-to-month-ones-nationwide/</link>
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		<dc:creator><![CDATA[Daily SF News]]></dc:creator>
		<pubDate>Sat, 01 Jul 2023 04:23:57 +0000</pubDate>
				<category><![CDATA[Plumbing]]></category>
		<category><![CDATA[Annual]]></category>
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		<guid isPermaLink="false">https://dailysanfranciscobaynews.com/?p=33625</guid>

					<description><![CDATA[<p>Annual fees for a credit card are common and can be worthwhile if you get something in return. Those with good credit (generally defined as FICO scores of 690 or higher) can expect rich rewards or perks in return for this fee, while those with poor credit (scores below 630) may gain access to a &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/annual-charges-a-number-of-new-credit-score-playing-cards-are-choosing-month-to-month-ones-nationwide/">Annual Charges? A number of New Credit score Playing cards Are Choosing Month-to-month Ones | Nationwide</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<p>Annual fees for a credit card are common and can be worthwhile if you get something in return.  Those with good credit (generally defined as FICO scores of 690 or higher) can expect rich rewards or perks in return for this fee, while those with poor credit (scores below 630) may gain access to a line of credit they can use otherwise would not be entitled to.</p>
<p>Monthly credit card fees, on the other hand, have long been a rarity, not to mention a red flag, especially with readily available &#8220;fee harvester&#8221; bad credit cards.  That is, until recently.</p>
<p>Several startup financial technology companies, also known as fintechs, and at least one smaller traditional bank now offer products with monthly fees.  In some cases, the cards have hard-to-find features and the fee is marketed as a benefit, charged instead of interest or a hefty deposit.</p>
<p>But a nominal monthly fee is still essentially an annual fee no matter how you split it up.  &#8220;Three dollars and thirty-three cents spread out over 12 months might not sound like a lot of money to people, but it can actually send you reeling when you&#8217;re withdrawing other things from your checking account that you might not have booked for,&#8221; says Deborah Davis, Accredited Financial Advisor at Gryphon Fiscal Fitness.</p>
<p>And unlike interest &#8212; which is avoidable if you don&#8217;t have a balance &#8212; you still have to pay that monthly fee, which is easy to forget if you&#8217;re not actively using the card.  Plus, unlike a refundable security deposit, you don&#8217;t get those monthly fees back.</p>
<p>These products can still be worth a spot in your wallet and potentially save you money depending on how you use them.  In the long run, however, you should weigh all the costs and benefits of these cards.</p>
<h2>Monthly fees in exchange for unique features</h2>
<h3>crash barriers</h3>
<p>Several credit cards that have opted for a monthly fee structure promise features you won&#8217;t find on traditional credit cards.  Aside from the fact that there is no down payment or even an interest rate, many do not bother with a credit check.</p>
<p>Based in San Francisco, TomoCredit has a credit card that meets the above criteria.  It is not possible to keep a balance from month to month, so there is no APR.  And when you apply, there is no rigorous check of your creditworthiness;  TomoCredit has proprietary technology that takes into account several other data points, such as:  B. Your income and account balance.</p>
<p>No annual fee was announced when the card launched in early 2021, but a monthly fee of $2.99 ​​(nearly $36 per year) was added starting in May 2023.  There is currently a waiting list for applications.</p>
<p>“Compared to other loans [repair] &#8220;For all the products available on the market, Tomo&#8217;s monthly fee is very affordable,&#8221; said Kristy Kim, CEO and co-founder of TomoCredit, in an email.  &#8220;We already ran a sample user test and got positive feedback.&#8221;</p>
<p><strong>nerd tip</strong> Monthly fees can be controversial when added on as an afterthought, especially for cards aimed at new creditors or those with imperfect credit ratings.  Complaints abounded in May and June 2023 when credit card fintech Petal announced that some current holders of previously fee-free products would start paying a monthly fee.</p>
<h3>assets as collateral</h3>
<p>The company Pesto launched a secured credit card in May 2023 that allows applicants to use eligible assets like jewelry or watches as deposit instead of cash.  The value of the asset determines the credit limit of the card.  The card charges holders $3.33 per month ($39.96 per year).</p>
<p>For those unable to muster up a lump sum to deposit on a traditional, secured credit card — or who can&#8217;t afford to tie that money up for a long time — Pesto&#8217;s card can often provide access to credit a much lower interest rate than a pawn loan.  But with an effective annual fee of almost $40, there are cheaper options for bad credit, some even earning bonuses.</p>
<p>And like Tomo&#8217;s credit card, Pesto&#8217;s card doesn&#8217;t currently have an upgrade path to a better product from the company if you&#8217;re up for it.</p>
<h3>fees instead of interest</h3>
<p>Even traditional credit card players might be excited about this trend.  TD Bank introduced a credit card in May 2023 that requires a monthly membership fee of up to $20 instead of interest.</p>
<p>&#8220;You don&#8217;t have to worry about your credit card debt compounding with this card: It&#8217;s a monthly fixed fee, not a variable equation,&#8221; said Jennifer Garrett, director of product development and loyalty, credit cards and unsecured lending at TD Bank , in an email.</p>
<p>Such a product could indeed appeal to those who crave predictability and know they have a big tally ahead of them month-to-month.  However, if your balance is small, such a monthly fee could cost you more than a traditional interest rate.  Remember that you owe this fee every month even if you never use the card.</p>
<h2>Determine if a monthly fee is worth it</h2>
<p>The monthly fee trend seems to be accelerating.  New players like the “Possible Card”, which is slowly being released to the public as an unsecured credit card for those with bad credit, continue to be launched with features that may or may not be worth the monthly cost depending on your circumstances and credit history .</p>
<p>If you have good credit, there are a variety of credit card options available to you.  You can avoid cards with monthly fees.</p>
<p>If you have bad credit, you may be more willing to accept a monthly fee if you avoid a credit check or interest rate.  But still, it might be possible to find cheaper options.</p>
<p>For example, saving for a cash deposit on a secured credit card with no annual fee can offer more value and flexibility.  Some of these products come with rewards or give you some freedom with your collateral: they may require you to deposit only part of your credit line, pay the deposit in installments, or even set your own deposit/credit limit if that is the case You agree to open and link a bank account.</p>
<p>Depending on the issuer, it may even be possible to eventually upgrade to a better (and unsecured) credit card in that issuer&#8217;s portfolio and get your deposit back.</p>
<p>Not so with monthly fees.</p>
<p class="nw-originally-posted-link">The article Annual fees?  Several new credit cards are opting for monthly credit cards, which originally appeared on NerdWallet.</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/annual-charges-a-number-of-new-credit-score-playing-cards-are-choosing-month-to-month-ones-nationwide/">Annual Charges? A number of New Credit score Playing cards Are Choosing Month-to-month Ones | Nationwide</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>Regulation Agency Wins $2M Hire Credit score for Unhealthy HVAC Throughout Covid</title>
		<link>https://dailysanfranciscobaynews.com/regulation-agency-wins-2m-hire-credit-score-for-unhealthy-hvac-throughout-covid/</link>
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		<dc:creator><![CDATA[Daily SF News]]></dc:creator>
		<pubDate>Sat, 11 Mar 2023 19:13:30 +0000</pubDate>
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		<guid isPermaLink="false">https://dailysanfranciscobaynews.com/?p=27704</guid>

					<description><![CDATA[<p>Many commercial tenants went to court over a pandemic rent break. A law firm from Murray Hill can now count itself among the few winners. The New York Appellate Division ruled that affiliates of landlord ABS Partners Real Estate must credit Wolf Haldenstein, a firm specializing in corporate and antitrust law, over $2 million in &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/regulation-agency-wins-2m-hire-credit-score-for-unhealthy-hvac-throughout-covid/">Regulation Agency Wins $2M Hire Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<p>Many commercial tenants went to court over a pandemic rent break.  A law firm from Murray Hill can now count itself among the few winners.</p>
<p>The New York Appellate Division ruled that affiliates of landlord ABS Partners Real Estate must credit Wolf Haldenstein, a firm specializing in corporate and antitrust law, over $2 million in rent and legal fees after the office owner completed renovations on the two Rented floors of the chancellery had not been completed space.</p>
<p>The HVAC system roared like a &#8220;jet engine,&#8221; the landlord&#8217;s architect said, producing 90-degree temperatures in the summer and unable to circulate fresh air as Covid raged in New York.</p>
<p>The law firm, which has been based at 270 Madison Ave for nearly 100 years, agreed to temporarily move from the 9th and 10th floors to the 11th and 13th floors when it signed a 12-year lease in 2018.</p>
<p>ABS planned to upgrade the heating and air conditioning systems on the two lower floors and agreed in the lease that its tenant would rent the upper floors until an architect deemed the work substantially complete.</p>
<h4 class="ReadMoreSection_title">Continue reading</h4>
<p>The lease included four months of free rent once the company moved downstairs, and a rent loan if the renovation took too long.  Wolf Haldenstein would receive a daily credit for each day work continued after February 2020.  The rate would increase to a day and a half after April.</p>
<p>Wolf Haldenstein returned prematurely to the 9th and 10th floors in December 2019.  But the company immediately questioned whether the work was complete.</p>
<p>&#8220;We should have another construction meeting to discuss HVAC issues,&#8221; wrote Mark Rifkin, a managing partner at Wolf Haldenstein, in an email to the job&#8217;s contractor on Christmas Eve.</p>
<p>&#8220;I think some might have accepted a substantial completion before it was finished,&#8221; he continued.  &#8220;Had it been summer when we needed the air conditioning, the room would have been uninhabitable.&#8221;</p>
<p>In another email to ABS Partners, Rifkin described the floors as excessively hot and the HVAC system as excessively noisy.</p>
<p>These problems continued into 2020.  In February, as Covid began to spread through the city, ABS&#8217; construction manager confirmed in an email that &#8220;many &#8216;existing&#8217; elements&#8230;need to be identified and resolved&#8221;.</p>
<p>James Caseley, an executive at ABS, went so far as to write a memo to the landlord&#8217;s construction manager calling the HVAC system a &#8220;disaster.&#8221;</p>
<p>In the same month, the landlord began work on the 11th and 13th floors, making it impossible for Wolf Haldenstein to move to a more hospitable floor.</p>
<p>HVAC issues continued throughout the pandemic, forcing partners, employees, employees and clients to deal with a system upon returning to the office that was not circulating fresh air adequately, according to Herrick Feinstein&#8217;s Scott Mollen, the tenant&#8217;s attorney.</p>
<p>In April 2021, Wolf Haldenstein sued ABS Partners, alleging that the landlord&#8217;s architect failed to declare the work complete, meaning the firm was under no obligation to pay rent.</p>
<p>ABS responded a month later, arguing that the law firm had defaulted on rent and owed $1.2 million on its roughly $145,000-a-month lease.</p>
<p>In November of that year, a Supreme Court judge sided with Wolf Haldesstein, ruling that the work was incomplete and the firm did not have to pay rent.  The Appellate Division upheld the ruling that the landlord should pay a $1.2 million rent loan, $100,000 in moving expenses and $700,000 in attorneys&#8217; fees.</p>
<p>&#8220;Many of the unnecessary fees are due to landlord litigation tactics,&#8221; the court found.</p>
<p>Rosenberg &#038; Estis, representing ABS Real Estate, did not respond to a request for comment.</p>
<p>The firm&#8217;s late co-founder, Warren Estis, had represented ABS for most of the trial, one of his last.  Estis died in April.</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/regulation-agency-wins-2m-hire-credit-score-for-unhealthy-hvac-throughout-covid/">Regulation Agency Wins $2M Hire Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>Legislation Agency Wins $2M Lease Credit score for Unhealthy HVAC Throughout Covid</title>
		<link>https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-lease-credit-score-for-unhealthy-hvac-throughout-covid-2/</link>
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		<dc:creator><![CDATA[Daily SF News]]></dc:creator>
		<pubDate>Thu, 09 Mar 2023 15:08:20 +0000</pubDate>
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		<guid isPermaLink="false">https://dailysanfranciscobaynews.com/?p=27579</guid>

					<description><![CDATA[<p>Many commercial tenants went to court over a pandemic rent break. A law firm from Murray Hill can now count itself among the few winners. The New York Appellate Division ruled that affiliates of landlord ABS Partners Real Estate must credit Wolf Haldenstein, a firm specializing in corporate and antitrust law, over $2 million in &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-lease-credit-score-for-unhealthy-hvac-throughout-covid-2/">Legislation Agency Wins $2M Lease Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<p>Many commercial tenants went to court over a pandemic rent break.  A law firm from Murray Hill can now count itself among the few winners.</p>
<p>The New York Appellate Division ruled that affiliates of landlord ABS Partners Real Estate must credit Wolf Haldenstein, a firm specializing in corporate and antitrust law, over $2 million in rent and legal fees after the office owner completed renovations on the two Rented floors of the chancellery had not been completed space.</p>
<p>The HVAC system roared like a &#8220;jet engine,&#8221; the landlord&#8217;s architect said, producing 90-degree temperatures in the summer and unable to circulate fresh air as Covid raged in New York.</p>
<p>The law firm, which has been based at 270 Madison Ave for nearly 100 years, agreed to temporarily move from the 9th and 10th floors to the 11th and 13th floors when it signed a 12-year lease in 2018.</p>
<p>ABS planned to upgrade the heating and air conditioning systems on the two lower floors and agreed in the lease that its tenant would rent the upper floors until an architect deemed the work substantially complete.</p>
<h4 class="ReadMoreSection_title">Continue reading</h4>
<p>The lease included four months of free rent once the company moved downstairs, and a rent loan if the renovation took too long.  Wolf Haldenstein would receive a daily credit for each day work continued after February 2020.  The rate would increase to a day and a half after April.</p>
<p>Wolf Haldenstein returned prematurely to the 9th and 10th floors in December 2019.  But the company immediately questioned whether the work was complete.</p>
<p>&#8220;We should have another construction meeting to discuss HVAC issues,&#8221; wrote Mark Rifkin, a managing partner at Wolf Haldenstein, in an email to the job&#8217;s contractor on Christmas Eve.</p>
<p>&#8220;I think some might have accepted a substantial completion before it was finished,&#8221; he continued.  &#8220;Had it been summer when we needed the air conditioning, the room would have been uninhabitable.&#8221;</p>
<p>In another email to ABS Partners, Rifkin described the floors as excessively hot and the HVAC system as excessively noisy.</p>
<p>These problems continued into 2020.  In February, as Covid began to spread through the city, ABS&#8217; construction manager confirmed in an email that &#8220;many &#8216;existing&#8217; elements&#8230;need to be identified and resolved&#8221;.</p>
<p>James Caseley, an executive at ABS, went so far as to write a memo to the landlord&#8217;s construction manager calling the HVAC system a &#8220;disaster.&#8221;</p>
<p>In the same month, the landlord began work on the 11th and 13th floors, making it impossible for Wolf Haldenstein to move to a more hospitable floor.</p>
<p>HVAC issues continued throughout the pandemic, forcing partners, employees, employees and clients to deal with a system upon returning to the office that was not circulating fresh air adequately, according to Herrick Feinstein&#8217;s Scott Mollen, the tenant&#8217;s attorney.</p>
<p>In April 2021, Wolf Haldenstein sued ABS Partners, alleging that the landlord&#8217;s architect failed to declare the work complete, meaning the firm was under no obligation to pay rent.</p>
<p>ABS responded a month later, arguing that the law firm had defaulted on rent and owed $1.2 million on its roughly $145,000-a-month lease.</p>
<p>In November of that year, a Supreme Court judge sided with Wolf Haldesstein, ruling that the work was incomplete and the firm did not have to pay rent.  The Appellate Division upheld the ruling that the landlord should pay a $1.2 million rent loan, $100,000 in moving expenses and $700,000 in attorneys&#8217; fees.</p>
<p>&#8220;Many of the unnecessary fees are due to landlord litigation tactics,&#8221; the court found.</p>
<p>Rosenberg &#038; Estis, representing ABS Real Estate, did not respond to a request for comment.</p>
<p>The firm&#8217;s late co-founder, Warren Estis, had represented ABS for most of the trial, one of his last.  Estis died in April.</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-lease-credit-score-for-unhealthy-hvac-throughout-covid-2/">Legislation Agency Wins $2M Lease Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>Legislation Agency Wins $2M Hire Credit score for Unhealthy HVAC Throughout Covid</title>
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		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Tue, 24 Jan 2023 15:41:24 +0000</pubDate>
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		<guid isPermaLink="false">https://dailysanfranciscobaynews.com/?p=25790</guid>

					<description><![CDATA[<p>Wolf Haldenstein Adler Freeman &#038; Herz&#8217; Mark Rifkin and ABS Partners Real Estate&#8217;s James Caseley (right) with 270 Madison Avenue (Wolf Haldenstein Adler Freeman &#038; Herz, ABS Partners, Getty) Many commercial tenants went to court for a pandemic rent break. A Murray Hill law firm can now count itself among the few to have won &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-hire-credit-score-for-unhealthy-hvac-throughout-covid/">Legislation Agency Wins $2M Hire Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<p class="wp-caption-text">Wolf Haldenstein Adler Freeman &#038; Herz&#8217; Mark Rifkin and ABS Partners Real Estate&#8217;s James Caseley (right) with 270 Madison Avenue (Wolf Haldenstein Adler Freeman &#038; Herz, ABS Partners, Getty)</p>
<p>Many commercial tenants went to court for a pandemic rent break.  A Murray Hill law firm can now count itself among the few to have won one.</p>
<p>New York&#8217;s Appellate Division ruled that affiliates of landlord ABS Partners Real Estate must credit Wolf Haldenstein, a firm specializing in stocks and antitrust law, over $2 million in rent and legal fees after the office owner failed to complete renovations on the firm&#8217;s two floors of leased space.</p>
<p>The HVAC system roared like a “jet engine,” the landlord&#8217;s architect said, produced 90-degree temperatures in the summer and failed to circulate fresh air as Covid raged in New York.</p>
<p>The law firm, which has occupied 270 Madison Ave for nearly 100 years, agreed to move temporarily from the ninth and 10th floors to the 11th and 13th when it signed a 12-year lease in 2018.</p>
<p>ABS planned to revamp the heating and air conditioning systems on the two lower floors and agreed in the lease that its tenant would rent the upper floors until an architect deemed the work substantially complete.</p>
<p>The lease included four months of free rent once the firm moved back to the lower floors and a rent credit if renovations took too long.  Wolf Haldenstein would receive a daily credit for each day that work continued after February 2020. The rate would jump to a day and a half after April.</p>
<p>Wolf Haldenstein moved back to the ninth and 10th floors in December 2019, ahead of schedule.  But the firm immediately questioned whether work had been completed.</p>
<p>“We should have another construction meeting to discuss HVAC problems,” Mark Rifkin, managing partner at Wolf Haldenstein wrote in an email to the job&#8217;s contractor on Christmas Eve.</p>
<p>&#8220;I think some may have assumed substantial completion before it was done,&#8221; he continued.  &#8220;Had this been summertime, when we need the AC, the space would be uninhabitable.&#8221;</p>
<p>In another email to ABS Partners, Rifkin described the floors as excessively hot and the HVAC system as excessively loud.</p>
<p>Those problems continued into 2020. In February, as Covid began spreading in the city, ABS&#8217; construction manager acknowledged in an email that &#8220;many &#8216;existing condition&#8217; items &#8230; need to be figured out and resolved.&#8221;</p>
<p>James Caseley, an executive at ABS, went so far as to describe the HVAC system as a &#8220;disaster&#8221; to the landlord&#8217;s construction manager in a memo.</p>
<p>The same month, the landlord started work on the 11th and 13th floors, making it impossible for Wolf Haldenstein to relocate to a more hospitable floor.</p>
<p>The HVAC issues lasted through the pandemic, forcing partners, associates, staff and clients, once they returned to the office, to deal with a system that failed to adequately circulate fresh air, according to Scott Mollen of Herrick Feinstein, attorney for the tenant.</p>
<p>In April 2021, Wolf Haldenstein sued ABS Partners, alleging that the landlord&#8217;s architect had not declared the work complete, meaning the firm had no obligation to pay rent.</p>
<p>ABS answered a month later, arguing that the law firm had defaulted on rent and owed $1.2 million on its roughly $145,000-per-month lease.</p>
<p>That November, a Supreme Court judge sided with Wolf Haldesstein, ruling the work was incomplete and the firm had no need to pay rent. The Appellate Division upheld the ruling that the landlord should pay a $1.2 million rent credit, $100,000 in moving expenses and $700 .00 in attorney&#8217;s fees.</p>
<p>&#8220;Much of the unnecessary fees were incurred as a result of landlords&#8217; litigation tactics,&#8221; the court noted.</p>
<p>Rosenberg &#038; Estis attorney Alex Estis, who represented ABS, said his legal team appreciated the Appellate Division reduced Wolf Aldenstein&#8217;s rent credit award.  A lower court had granted the firm an additional $647,869, plus interest.</p>
<p>&#8220;We are considering further options in light of the ruling,&#8221; Estis added.</p>
<p>The firm&#8217;s late co-founder Warren Estis had represented ABS for most of the suit, one of his last.  Estis died in April.</p>
<p>Contact Suzannah Cavanaugh</p>
<p>This article has been updated to include comments from Rosenberg &#038; Estis, counsel for ABS Partners Real Estate. </p>
<p>The post <a href="https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-hire-credit-score-for-unhealthy-hvac-throughout-covid/">Legislation Agency Wins $2M Hire Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>Legislation Agency Wins $2M Lease Credit score for Unhealthy HVAC Throughout Covid</title>
		<link>https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-lease-credit-score-for-unhealthy-hvac-throughout-covid/</link>
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		<pubDate>Fri, 13 Jan 2023 19:17:51 +0000</pubDate>
				<category><![CDATA[HVAC]]></category>
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					<description><![CDATA[<p>Wolf Haldenstein Adler Freeman &#038; Herz&#8217; Mark Rifkin and ABS Partners Real Estate&#8217;s James Caseley (right) with 270 Madison Avenue (Wolf Haldenstein Adler Freeman &#038; Herz, ABS Partners, Getty) Many commercial tenants went to court for a pandemic rent break. A Murray Hill law firm can now count itself among the few to have won &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-lease-credit-score-for-unhealthy-hvac-throughout-covid/">Legislation Agency Wins $2M Lease Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<p class="wp-caption-text">Wolf Haldenstein Adler Freeman &#038; Herz&#8217; Mark Rifkin and ABS Partners Real Estate&#8217;s James Caseley (right) with 270 Madison Avenue (Wolf Haldenstein Adler Freeman &#038; Herz, ABS Partners, Getty)</p>
<p>Many commercial tenants went to court for a pandemic rent break.  A Murray Hill law firm can now count itself among the few to have won one.</p>
<p>New York&#8217;s Appellate Division ruled that affiliates of landlord ABS Partners Real Estate must credit Wolf Haldenstein, a firm specializing in stocks and antitrust law, over $2 million in rent and legal fees after the office owner failed to complete renovations on the firm&#8217;s two floors of leased space.</p>
<p>The HVAC system roared like a “jet engine,” the landlord&#8217;s architect said, produced 90-degree temperatures in the summer and failed to circulate fresh air as Covid raged in New York.</p>
<p>The law firm, which has occupied 270 Madison Ave for nearly 100 years, agreed to move temporarily from the ninth and 10th floors to the 11th and 13th when it signed a 12-year lease in 2018.</p>
<p>ABS planned to revamp the heating and air conditioning systems on the two lower floors and agreed in the lease that its tenant would rent the upper floors until an architect deemed the work substantially complete.</p>
<p>The lease included four months of free rent once the firm moved back to the lower floors and a rent credit if renovations took too long.  Wolf Haldenstein would receive a daily credit for each day that work continued after February 2020. The rate would jump to a day and a half after April.</p>
<p>Wolf Haldenstein moved back to the ninth and 10th floors in December 2019, ahead of schedule.  But the firm immediately questioned whether work had been completed.</p>
<p>“We should have another construction meeting to discuss HVAC problems,” Mark Rifkin, managing partner at Wolf Haldenstein wrote in an email to the job&#8217;s contractor on Christmas Eve.</p>
<p>&#8220;I think some may have assumed substantial completion before it was done,&#8221; he continued.  &#8220;Had this been summertime, when we need the AC, the space would be uninhabitable.&#8221;</p>
<p>In another email to ABS Partners, Rifkin described the floors as excessively hot and the HVAC system as excessively loud.</p>
<p>Those problems continued into 2020. In February, as Covid began spreading in the city, ABS&#8217; construction manager acknowledged in an email that &#8220;many &#8216;existing condition&#8217; items &#8230; need to be figured out and resolved.&#8221;</p>
<p>James Caseley, an executive at ABS, went so far as to describe the HVAC system as a &#8220;disaster&#8221; to the landlord&#8217;s construction manager in a memo.</p>
<p>The same month, the landlord started work on the 11th and 13th floors, making it impossible for Wolf Haldenstein to relocate to a more hospitable floor.</p>
<p>The HVAC issues lasted through the pandemic, forcing partners, associates, staff and clients, once they returned to the office, to deal with a system that failed to adequately circulate fresh air, according to Scott Mollen of Herrick Feinstein, attorney for the tenant.</p>
<p>In April 2021, Wolf Haldenstein sued ABS Partners, alleging that the landlord&#8217;s architect had not declared the work complete, meaning the firm had no obligation to pay rent.</p>
<p>ABS answered a month later, arguing that the law firm had defaulted on rent and owed $1.2 million on its roughly $145,000-per-month lease.</p>
<p>That November, a Supreme Court judge sided with Wolf Haldesstein, ruling the work was incomplete and the firm had no need to pay rent. The Appellate Division upheld the ruling that the landlord should pay a $1.2 million rent credit, $100,000 in moving expenses and $700 .00 in attorney&#8217;s fees.</p>
<p>&#8220;Much of the unnecessary fees were incurred as a result of landlords&#8217; litigation tactics,&#8221; the court noted.</p>
<p>Rosenberg &#038; Estis attorney Alex Estis, who represented ABS, said his legal team appreciated the Appellate Division reduced Wolf Aldenstein&#8217;s rent credit award.  A lower court had granted the firm an additional $647,869, plus interest.</p>
<p>“We are considering further options in light of the ruling,” Estis added.</p>
<p>The firm&#8217;s late co-founder Warren Estis had represented ABS for most of the suit, one of his last.  Estis died in April.</p>
<p>Contact Suzannah Cavanaugh</p>
<p>This article has been updated to include comments from Rosenberg &#038; Estis, counsel for ABS Partners Real Estate. </p>
<p>The post <a href="https://dailysanfranciscobaynews.com/legislation-agency-wins-2m-lease-credit-score-for-unhealthy-hvac-throughout-covid/">Legislation Agency Wins $2M Lease Credit score for Unhealthy HVAC Throughout Covid</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>Oakland Companies Swap From Money Solely To Credit score To Cease Assaults On Asians – CBS San Francisco</title>
		<link>https://dailysanfranciscobaynews.com/oakland-companies-swap-from-money-solely-to-credit-score-to-cease-assaults-on-asians-cbs-san-francisco/</link>
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		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Wed, 26 Jan 2022 12:49:53 +0000</pubDate>
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					<description><![CDATA[<p>Oakland Businesses Switch From Cash Only To Credit To Stop Attacks On AsiansAhead of the Lunar New Year, there is a push to change the way Oakland Chinatown businesses do business. Andria Borba reports on the switch from cash to credit to stop attacks on Asians. 5 hours ago COVID: Health Experts Weigh Impact Of &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/oakland-companies-swap-from-money-solely-to-credit-score-to-cease-assaults-on-asians-cbs-san-francisco/">Oakland Companies Swap From Money Solely To Credit score To Cease Assaults On Asians – CBS San Francisco</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p><span class="balance"></span></p>
<p><strong class="title">Oakland Businesses Switch From Cash Only To Credit To Stop Attacks On Asians</strong>Ahead of the Lunar New Year, there is a push to change the way Oakland Chinatown businesses do business.  Andria Borba reports on the switch from cash to credit to stop attacks on Asians.</p>
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<p><strong class="title">Raw Video: San Francisco Mayor Breed, Police Chief Scott Remarks On AAPI Hate Crime</strong>San Francisco Mayor London Breed and Police Chief Bill Scott on Tuesday highlighted a surge in hate crimes against the city&#8217;s Asian-American and Pacific-Islander (AAPI) communities as seen in new statistics from the police department.</p>
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<p><strong class="title">San Jose Set to Vote On Ordinance Requiring Gun Owners to Carry Liability Insurance</strong>The proposed ordinance on gun liability insurance is aimed at helping reduce gun violence in the city, with the money going to nonprofits helping victims of gun violence and other services.  Jocelyn Moran reports.</p>
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<p><strong class="title">San Francisco Reports Near Six-Fold Increase in AAPI Hate Crimes</strong>San Francisco Mayor London Breed and Police Chief Bill Scott announced the city has seen hate crimes against Asians increase 567%, jumping from nine victims in 2020 to 60 victims in 2021.</p>
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<p><strong class="title">Highway 37: Caltrans To Hold Virtual Hearing On Future Of Highway 37 Corridor</strong>Caltrans is holding a virtual public meeting Tuesday to hear from the people about what to do with Highway 37 in the North Bay.</p>
<p>20 hours ago</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/oakland-companies-swap-from-money-solely-to-credit-score-to-cease-assaults-on-asians-cbs-san-francisco/">Oakland Companies Swap From Money Solely To Credit score To Cease Assaults On Asians – CBS San Francisco</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>Get a $200 Litter Transferring Credit score for Simply $100</title>
		<link>https://dailysanfranciscobaynews.com/get-a-200-litter-transferring-credit-score-for-simply-100/</link>
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		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Thu, 23 Dec 2021 21:48:48 +0000</pubDate>
				<category><![CDATA[Moving]]></category>
		<category><![CDATA[Clutter]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[moving]]></category>
		<guid isPermaLink="false">https://dailysanfranciscobaynews.com/?p=14361</guid>

					<description><![CDATA[<p>Clutter saves the hassle and inconvenience of moving AskMen&#8217;s editorial team research and thoroughly review the best equipment, services, and staples for life. AskMen can be paid for when you click a link in this article and purchase a product or service. The only constant in life is change. But some changes are bigger than &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/get-a-200-litter-transferring-credit-score-for-simply-100/">Get a $200 Litter Transferring Credit score for Simply $100</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<h2 class="hSubTitle" itemprop="name">
<p>Clutter saves the hassle and inconvenience of moving</h2>
<p class="disclaimer">AskMen&#8217;s editorial team research and thoroughly review the best equipment, services, and staples for life.  AskMen can be paid for when you click a link in this article and purchase a product or service.</p>
<p>The only constant in life is change.  But some changes are bigger than others.  Whether you&#8217;re rising in the world or moving across the country, each of us can expect to live in different places &#8211; especially as young adults.  Take the next step that is a lot easier with Clutter.</p>
<p>The name of Clutter is a little misleading &#8211; they exist to turn your clutter into an organized, streamlined moving process straight to your next home.  Your professionally trained moving helpers offer a high quality moving and packing service and help you dismantle furniture, pack it and load your items safely into a clutter moving van.  Then they bring you in on the other side as well.  This is a few steps beyond what other moving services will do for you.</p>
<p>With the Clutter account portal, you can also keep an eye on the entire process and have full transparency.  You can track the progress of your move, get to know your moving companies and see when they are done with your move so you technically don&#8217;t even have to be on site while they work.  If you prefer, Clutter&#8217;s flexible packages let you self-package your items, customize schedules, and more so you can find a perfect plan for your budget.</p>
<p>Clutter currently offers local removals in the Los Angeles, San Francisco Bay Area, New York, New Jersey, Chicago, Seattle, San Diego, Sacramento, Orange County, and Inland Empire regions, as well as interstate removals between New York, New Jersey, Connecticut, and Pennsylvania.</p>
<p>Make your next step a breeze.  With this deal, you can get a $ 200 clutter moving loan for just $ 100.  You must redeem within two months.  So if you are considering moving companies for an upcoming move, this offer should not be missed.</p>
<p>Subject to price changes.</p>
<p class="disclaimer">    AskMen can be paid for when you click a link in this article and purchase a product or service.  To learn more, please read our full Terms of Use.</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/get-a-200-litter-transferring-credit-score-for-simply-100/">Get a $200 Litter Transferring Credit score for Simply $100</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>Get a $200 shifting firm credit score for $80 throughout Inexperienced Monday</title>
		<link>https://dailysanfranciscobaynews.com/get-a-200-shifting-firm-credit-score-for-80-throughout-inexperienced-monday/</link>
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		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Tue, 14 Dec 2021 21:07:29 +0000</pubDate>
				<category><![CDATA[Moving]]></category>
		<category><![CDATA[company]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[green]]></category>
		<category><![CDATA[Monday]]></category>
		<category><![CDATA[moving]]></category>
		<guid isPermaLink="false">https://dailysanfranciscobaynews.com/?p=13966</guid>

					<description><![CDATA[<p>Discover startups, services, products and more from our partner StackCommerce. NY Post may be compensated and / or receive an affiliate commission for shopping through our links. When you know someone who is currently planning a big move, the last thing they likely need is more stuff. If a future moving helper is on your &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/get-a-200-shifting-firm-credit-score-for-80-throughout-inexperienced-monday/">Get a $200 shifting firm credit score for $80 throughout Inexperienced Monday</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<p>		Discover startups, services, products and more from our partner StackCommerce.  NY Post may be compensated and / or receive an affiliate commission for shopping through our links.</p>
<p>When you know someone who is currently planning a big move, the last thing they likely need is more stuff.  If a future moving helper is on your gift list, give him a gift that he will really use and appreciate: a moving discount!  Moving is such an expensive process, it really feels like every little bit helps, and especially during the Green Monday sale, you can grab a $ 200 Clutter Moving Credit for just $ 80 with a coupon code <strong>GREEN20</strong>.  Yes, that&#8217;s over 50% off the usual price, perfect to give to yourself or a loved one who plans to pack and move soon.</p>
<p>Finding moving companies that you can trust can be difficult.  Just check out the Yelp reviews of some local moving companies and it is enough to give you pre-move nightmares.  Clutter is different and offers professionally trained moving helpers who not only offer high quality moving but also packaging services.  With so many things on a moving to-do list, it&#8217;s nice to have the opportunity to have trusted, professional help with packing all of the things in your place.  Would you like to pack everything yourself?  No problem, you can also choose this option and simply use this credit for the relocation process.  The packing aid is flexible and available when needed.</p>
<p>NY Post Store</p>
<p>Clutter&#8217;s licensed, professionally trained movers can help you dismantle furniture, repackage, and safely load your items into the Clutter moving van.  And with the Clutter account portal you can manage everything online &#8211; from tracking your move in real time to getting to know your moving company better (after all, they take care of all your valuable goods!) And even see when they have everything ready.</p>
<p>As a one-stop shop for your entire move, Clutter offers cost-effective, flexible and, above all, reliable moving and storage services nationwide.  They currently serve local removals in a variety of cities: from Los Angeles, San Diego, Sacramento, Orange County, the Inland Empire and the San Francisco Bay Area in California to Seattle, Chicago, New York and New Jersey.  And once this offer has been purchased, you or your gift recipient have 60 days to take advantage of it.</p>
<p>If you or a loved one are planning a move, use the Green Monday Sale and the voucher code <strong>GREEN20</strong> Get a $ 200 Clutter Moving Credit for just $ 80 for a very limited time.</p>
<p>Subject to price changes. </p>
<p>The post <a href="https://dailysanfranciscobaynews.com/get-a-200-shifting-firm-credit-score-for-80-throughout-inexperienced-monday/">Get a $200 shifting firm credit score for $80 throughout Inexperienced Monday</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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		<title>San Francisco Federal Credit score Union Launches 2021 Youth Scholarship Program</title>
		<link>https://dailysanfranciscobaynews.com/san-francisco-federal-credit-score-union-launches-2021-youth-scholarship-program/</link>
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		<dc:creator><![CDATA[]]></dc:creator>
		<pubDate>Tue, 23 Mar 2021 22:39:29 +0000</pubDate>
				<category><![CDATA[Plumbing]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Federal]]></category>
		<category><![CDATA[Francisco]]></category>
		<category><![CDATA[Launches]]></category>
		<category><![CDATA[Program]]></category>
		<category><![CDATA[San]]></category>
		<category><![CDATA[Scholarship]]></category>
		<category><![CDATA[Union]]></category>
		<category><![CDATA[Youth]]></category>
		<guid isPermaLink="false">https://dailysanfranciscobaynews.com/?p=1776</guid>

					<description><![CDATA[<p>SAN FRANCISCO, Feb. 2, 2021 (GLOBE NEWSWIRE) &#8211; The San Francisco Federal Credit Union (SFFedCU) today announced its 2021 Youth Scholarship Program for high school graduates in San Francisco and San Mateo Counties. Three students will each receive $ 2,500 to apply for their college education. &#8220;Part of our mission is to give back to &#8230;</p>
<p>The post <a href="https://dailysanfranciscobaynews.com/san-francisco-federal-credit-score-union-launches-2021-youth-scholarship-program/">San Francisco Federal Credit score Union Launches 2021 Youth Scholarship Program</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p></p>
<p>SAN FRANCISCO, Feb. 2, 2021 (GLOBE NEWSWIRE) &#8211; The San Francisco Federal Credit Union (SFFedCU) today announced its 2021 Youth Scholarship Program for high school graduates in San Francisco and San Mateo Counties.  Three students will each receive $ 2,500 to apply for their college education.</p>
<p><strong>&#8220;</strong>Part of our mission is to give back to the community.  So it&#8217;s important for us to invest in our youth members who are tomorrow&#8217;s leaders, ”said Jonathan Oliver, President and CEO.  SFFedCU promotes financial literacy at a young age.  The non-profit organization with 49,000 members has a special youth account program that was launched in cooperation with the city and that helps young people save money for the future.</p>
<p>The youth scholarship program was established to support students who are members of the SFFedCU and are planning to pursue further education in college or vocational school programs.  Since its inception in 2007, Credit Union has awarded nearly $ 140,000 in scholarships.  Scholarship holders are selected based on academic data, demonstrated leadership skills, attendance at school, community activities, honors, work experience, goal setting, and aspirations.  As part of the application process, students are asked to fill out an essay.  Financial needs are not taken into account.</p>
<p>For more information and to apply, please visit SanFranciscoFCU.com/2021-youth-scholarship.<br />All applications and materials must be received by May 28, 2021.</p>
<p><strong>Via the San Francisco Federal Credit Union</strong><br />The San Francisco Federal Credit Union has served San Francisco since 1954 and is non-profit and member-owned.  Anyone living, working, worshiping, or attending school in San Francisco or the San Mateo Counties is eligible.  The Federal Credit Union of San Francisco is federally insured by the National Credit Union Administration and is an equal housing lender.  We provide banking, credit, and securities services to nearly 49,000 members and have assets of $ 1.2 billion.  More information is available at SanFranciscoFCU.com</p>
<p>For more informations:<br />Rob A. Silk<br />415-615-7012<br />Rob_Seide@SanFranciscoFCU.com</p>
<p></p>
<p>The post <a href="https://dailysanfranciscobaynews.com/san-francisco-federal-credit-score-union-launches-2021-youth-scholarship-program/">San Francisco Federal Credit score Union Launches 2021 Youth Scholarship Program</a> appeared first on <a href="https://dailysanfranciscobaynews.com">DAILY SAN FRANCISCO BAY NEWS</a>.</p>
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