3. Back pain. A lifetime of lifting, bending and twisting can add up to a real pain in the back. Low back muscles tense and tighten in response to irritated bones and nerves. In addition to arthritis, sciatic pain is a common complaint for older adults. The sciatic nerve runs from the spine, through the buttocks and down the legs.
NEW YORK STATE TRANSFER TAX - ALL COUNTIES (Usually paid by the Seller): $4.00 per $1,000.00 of Consideration (or $2.00 per $500.00 of Consideration) REAL PROPERTY TRANSFER TAX (NYC) â (Usually paid by the seller): 1 â 3 Family Home, Co-op or Condominium:
You pay the state transfer tax upon purchase of a New York home. Without a CEMA, you pay taxes again on the entire refinance amount on the same property. With a CEMA, you're only taxed on the difference between the unpaid loan amount and the new loan amount. For example, if the unpaid mortgage balance at the time of refinance is $400,000 and the refinance loan amount is $450,000, you only pay the transfer tax on the difference between the two -- the mortgage amount added to the home -- which is $50,000.