u/muaddib-86

Like it says. I was a little on the fence about getting this with all the negative press but decided to on a whim since none of the other mmo shooters have been satisfying the itch (looking at you BF6). I missed the play of slightly slower, more strategic games like BF1 and this brought me back. Granted I haven't played the first HLL so I'm not comparing gameplay there but compared to what else is on the market this fills a niche, almost like playing an RTS like Company of Heroes but from the frontlines.

I think a lot of people are treating this like another CoD or BF where its all about KtD ratio and not playing to the objectives and roles. Anyway, had a blast playing my first game as a tank spotter, chatting with mates on mic and blowing up enemy tanks was hella fun, gonna go mobile infantry tonight.

Hi all, this subreddit has been very helpful in the past and I'm hoping they can help me out now. Have an accepted offer in for a Brooklyn coop, they recently sent their financial documents, and a few things stood out to me:

• Coop did more than $1.5 million worth of capital investments consisting of repairs and upgrades over the last three years, borrowing money to do so and depleting reserves significantly so that they were low. The HOA has gone up by around 15% every year for the last four years, even after all the investments were completed they continued to hike up the HOA to start building reserves again. While it's good they're being proactive about building reserves, is it unusual for me to ask them about what their plans are for the future, if they're going to continue to be very aggressive with HOA hikes or if it'll come down?
• Because of the work done on the building, I noticed that there have been continuous assessments being levied on the residents since 2023 to the tune of a few thousand dollars per resident per year. Is it right for me to be concerned this might be a continuing trend especially since they haven't provided any information on what things might need repair in future?
• The building is going to refinance its mortgage and the loan it took for capital investment within the next decade, am I right in thinking this is going to impact the HOA? Do maintenance fees ever go down if interest rates get better? I also noticed that the building had to take out a loan in order to do the repairs in the first place and the reserves were low to begin with which is a red flag.

The lender and lawyer seem to think all of this is on par for the course and means the coop board is being fiscally responsible. I just don't want to be in a position where we buy and then find out an year later we're paying hundreds if not thousands of dollars extra a month because they keep raising maintenance and levying major assessments. This is a place where the HOA is on the higher end for an apartment this size. Are there any questions I could ask that could give me a better sense of if this is a good investment or not?

Thanks all.

We're a couple on the hunt for a co-op in Brooklyn with a budget of 500-550k. We're pre-approved, lawyer said we're financially solid for our budget, but most of our money apart from retirement is tied up in stocks (we'd have around 15k in cash post-closing after downpayment and all). Our agent said we should liquidate all our investments in order to have 100-150k in liquid savings because no coop in NYC is going to even consider us with only 15k in the bank post-closing. Given the huge tax burden in capital gains plus lost potential money accruing just to show a board we have money, is this really good advice? Why wouldn't a board just look at our investments and think we're making smart decisions and financially solid? Is it normal for someone to have 100k in savings just to be considered by a co-op in NYC?