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How did you become wealthy? How did you get started, what were your ambitions, and what troubles did you face?
I had no business experience at all.My job was to go out at three in the morning once a week and interview people, “What are you up to at 3 in the morning?”I did that for four years. Once a week I’d put up the best interviews for that week on the HBO website.It was a web show called “III:am”.I had never done interviews before. I was always nervous just going up to someone in the middle of the night and saying, “Hi! Can I ask you what you are doing.”I had a photographer with me.One time I went up to a transvestite prostitute and she said the night was the only time she could leave her house.She said she grew up in foster homes and raped in every home since she was a kid.“I didn’t know what sex I was by the time I got kicked out of foster care. The only place I could go was the street.”A car went by and flashed its lights.“Yoo-hoo,” she yelled at the car and it stopped and she got in.Another guy was always out at three in the morning. I ran into him no matter what part of town I was in.I called him 24 Hour Kahadi.He said, “People are trapped in the day. They wear their prison uniform. They go to their prison jobs. They go back home to their prison TV shows. They sleep. They repeat.”He said, “For me, the people in the night are real. Each person is unique. Each night is a story.”For him, 3am was a religion. A way of life.For me, it started to be a way of life as well. The idea that the day has its strict societal rules but the night is for people who wanted to make their own rules.Later HBO asked me to shoot a pilot for “III:am”.Jon Alpert, a well known documentary producer, was assigned the task of being my babysitter and producing the pilot.He told me, “No talking heads ever!” Meaning: no interviews. We only shoot action.I watched him do his magic. He put a mic on a prostitute so we can hear her with customers.We once found a group of homeless kids at Tompkins Square Park and when he found out they were upset at another group of kids he suggested they all fight.We went to Rikers Island, the jail. There’s a bus that goes every hour, 24 hours a day from one stop in Queens to Rikers. No matter what time of day, if a prisoner got bailed out, he was released right then.At the stop in Queens there were drug dealers and prostitutes always hanging out. They were waiting for their best customers to be released from jail.One time I spoke to a girl who was a prostitute who was waiting for the bus., We were lit up by the neon lights from the “Donut Time” store that was the only store open at three AM.She was skipping up and down, happy, why she was talking to me. A small guy walked up to her and stood in between me and her.Suddenly she shouted, “ooohhhh”, like all the breath and life came out of her. She fell to the ground.The guy said, “hisss!” And she limped away, around a corner where it was just dark and later, when I went to look, I couldn’t see more than two feet in front of me.He said to me, “She’s none of your business.”A construction worker, with a neon vest and a hard hat, came up to me. He flashed a badge. “We’re all over.”The bus came, the doors opened, I got on it.We kept the cameras hidden under the seats. A woman and her daughter were on the bus. “Our boy needs to get bailed out.”“What did he do.”“Somebody did something to someone,” said the daughter.We got to Rikers Island. It was quiet. Everyone was quiet. The door opened and everyone got off.Guards dragged a guy who had burn victims onto the bus.The doors closed.I sat down next to the guy with burns. “You ok?” He didn’t speak.When the bus got to Rikers, he didn’t move. The bus driver said, “Oh geez.”The guy was blinking. But he didn’t want to get off the bus. The driver called 911.Police and the fire department and an ambulance showed up. “You have to get the cameras out of here,” yelled someone.They carried the guy off the bus and put him in the ambulance. Put on the siren, and drove off.“Another night,” the bus driver said, and he put the bus in gear and pulled away, back to Rikers Island.What does this have to do with wealth?Everything.One time Comedy Central asked me to do for them what I did for HBO.I had created HBO’s first Intranet. I put all of their databases online and I installed “Netscape” on everyone’s desk. Most of the employees had never seen a web browser before.On one page I set up they could click in an actor’s name and see all the movies and shows he had been in. Click on a show and see all of the actors.This was before IMdB.The most popular page? I put on the database that managed the menu of HBO’s cafeteria.Click on a day and see all the items on the menu.Now the woman in charge of Comedy Central’s IT department said, “We’ll pay you.”I said, “Give me the 3am time slot so I can do a talk show.”“Really? We’ll pay you whatever you cost.”“I only want the time slot. You only have infomercials there.”“Let me ask.”A week later she called me. “It went all the way up to the CEO,” she said, “He said no”.My brother in law had a CD-ROM business. CD-ROMs were the same as CDs that had music but instead of music, they had games or interactive presentations.He was going out of business. I showed him what the Web was. One Saturday I brought him to HBO and showed him the Intranet I had made.He had a friend of a friend who introduced us to Shlomo, who ran a wholesale diamond business on 47th Street.Shlomo said, “I could be killed if they knew I was doing this.” “They” were the 500 diamond retailers, mostly Hasidic jews, who sold diamonds out of every storefront on 47th Street, between 5th and 6th Avenue. The “Diamond District”.He explained to me everything about diamonds. The “4Cs”. How he found cheap diamonds. How they were cut and cleaned and made ready for rings.We made the website. It’s still at “diamondcutters dot com” although looks different now after 24 years.He gave us $35,000 in a brown paper bag. My brother in law took $17,500 and left me the rest in the bag.I had $0 in my bank account. I was living in an apartment in Astoria, Queens and my only furniture was a foam mattress.It was summer and I had no air conditioning (I don’t even think I had electricity) and every morning I’d wake up and my sweat would be soaked up by the foam of the mattress. The mattress was perpetually moist from my sweat.I took my $17,500 and got a room at “The Chelsea Hotel” which was known for letting artists, drug dealers, and prostitutes live there.Stanley Bard, the owner, took my bag of cash and said, “Are you a drug dealer?”No, I said, I work at HBO.“Can you get us free cable?”“Of course.”He let me move in. It was illegal to live in a hotel but there were no rules at The Chelsea Hotel.It was the best place I ever lived in. I lived there for many, many years. It’s the only place I ever lived where most of my friends lived in the same building as me.It’s the only place I ever lived where nobody told me the truth about anything.(the Chelsea Hotel)Now that I lived right in between HBO and my brother in law, we were in business. We called our business “Reset”.Time to reset your business to take advantage of this new thing.“What new thing?” everyone asked. JP Morgan asked. Sony asked. Warner Brothers asked.“The Internet,” I said. And then started to explain.One for them. One for us.We’d do Con Edison’s website for $300,000.Then we’d do Fine Line Films for $1000.We’d do “The Matrix” for $250,000.Then we made a website for fun called “Shoebox”. Two friends of mine from the Chelsea Hotel came over. One was a dominatrix and the other was a professional submissive.They brought over 100 pairs of shoes. We photographed them licking each other’s shoes. We photographed Maria tied up while Veronica stood in 8-inch stilettos with a whip giving Maria water to drink.One company, a Fortune 500 very conservative company, looked at Shoebox and said, “Make us a site like that!”Nobody knew what they were doing.We charged a lot of money.We did websites for Loud Records (the Wu Tang Clan), Bad Bad Records (Puffy), Interscope Records, Jive Records, BMG, Sony, we did Time Warner dot com, and many of New Line Cinemas movies.We did Miramax (everyone was terrified Harvey Weinstein would hate the website). We did HBO’s website.We were known in the industry for being the best for entertainment websites.One time Vadim, our first employee, came back from a shoot he did with Loud Records.He walked in red and sweating. “That’s it!” he said, “I am not going to anymore shoots where guns are randomly firing.”I wanted to sell the company.A year earlier I had written to Felice Kincannon, who was head of mergers & acquisitions at Omnicom and was focused on this new breed, the interactive agency. The web agency.Omnicom had invested in Razorfish, Agency.com, and a few others.I met her for breakfast at The Palace Hotel, owned by the Sultan of Brunei. I loved the pancakes there.“Maybe you are too small for us now,” she said.“I understand,” I said and for the next hour, I asked her questions about herself, her job, what she was looking for, details about the ad agency business which I knew nothing about.I knew nothing at all about any business.(we did the websites for the Wu-Tang Clan back in 1997)For the next year, I would send her a monthly letter. We got X new clients. We went up to Y% in revenues. We moved offices to handle our growth, etc.Every six months we’d meet for breakfast. I asked her more questions.I met with accountants to learn what deals looked like.What sort of money did companies pay. Oh! They pay also in stock? Oh! They sometimes pay overtime to make sure we keep our customers.I didn’t know that. I didn’t know anything.Every week I would arrange lunch or dinner with different competitors. Companies who also made websites.There were only a few of us. We all knew each other. We all competed on every single deal.We were frenemies. We were co-opetition.We’d ask each other questions. We tried to make deals with each other. I’ll give you these clients if you give me those. You heard what about who? He got that client? You are using what technology?New industries grow up together. We were all in the same sandbox. I’m still better friends with some of my competitors from then than some of my best friends from then.Later, whenever one of us got acquired, we all got acquisition offers.Finally, Felice at Omnicom was interested in buying Reset.She introduced me to various agencies that Omnicom owned.We got four offers. My mom said, “Who is going to pay for your business?”“But mom,” I said, “We just got a nine million dollar offer.”A stockbroker from Prudential kept calling me. I never called him back.Finally, I picked up the phone and he said, “Jesus, you’d think your Warren Buffett you never call me back.”He wanted to help me sell my company. He wanted a 5% cut. “Ok,” I said.He set me up on three meetings. All of them visited our offers. I set up a map and put needles in all the parts of the world where we had clients.Werner, who made an offer, looked at the map and said in his thick German accent, “There’s a lot of business in New York City. You don’t need to travel all over.”I learned so much from people with forty more years of business experience than me.Then the worst period of my life (up until then) began.“We’ll close the deal in just a few weeks,” he said. “It’s just legal paperwork.”I was so happy. I had never had money before.I had paid for my college. I graduated in three years to avoid another year of borrowing. I had taken six courses a semester and took two courses every summer while working 40 hours a week to survive.I moved to NYC in 1994 with nothing in my pocket. My first room in NYC was a room I shared with Elias, a chess hustler from Washington Sq Park. He slept on the couch, I slept on the futon.I had a garbage bag full of clothes. Every morning I’d pull a crumpled suit out of the garbage bag and then walk to HBO so as to save on the $1 subway money.Elias and I would play chess all night.It was one of my favorite times in life. And I had zero money at all.“Just a few short weeks,” Werner promised in March 1998.It was horrible. Every week there were new delays. New tricks. New traps.To sell a company, you have to get approval from your landlord. Why? Because now they will have a new tenant.Our landlord didn’t want to give approval. He was a “garmento” who worked on 38th and 9th.I’d sit outside his office all day and wouldn’t leave until he gave approval. Werner kept calling me, “Did you get your landlord’s permission?” I would say, “Yes”. “Ok, send it over.” And I’d hang up. And wait. And at night I would cry. I was afraid.“Tell me the stock buying you,” the landlord finally said. He wanted to buy it.I didn’t know what to say. I said I can tell you as soon as the deal is done. He signed permission.We had to sign a document saying that all of our employees had been insured.But Adrian had forgotten to pay insurance for the past few months. All of our employees thought they were insured but they weren’t. And our insurance company wouldn’t take us back.I didn’t know what to do. I forget how we solved that problem. If we even solved it or just signed the document anyway.Russia debt collapsed in the summer of 1998. The market was going straight down.“The Internet might be over!” Werner told me on the phone.“No,” I said, “It isn’t. We are getting more business than ever.”But, in truth, our clients were disappearing or not renewing with us.“Let me see your contracts,” Werner’s lawyer would say. But we had no contracts.We had agreed to the deal in March. April, May passed. July 4 passed. August.I couldn’t sleep anymore and would walk around all night. And I was still doing my “III:am” show for HBO.I used to be a morning person. But now I was one of the 3am people.(we did the website for “The Matrix” for $200,000)“Do you need money,” Werner said. “We could give you a loan.”“No,” I said, although I was dying to say “YES!” But I thought it was a trap.“Are you sure?” he said.It was definitely a trap.I made many many mistakes. Mistakes every day. If I listed all the mistakes it wouldn’t even be a book. It would be a horror movie.One mistake, though: I said we were a “web services agency”.But lazy people make more money than hard workers.I was lazy and I had built all sorts of software to help me quickly make websites.Think “Wordpress” but it was 1998 instead of 2015. My software allowed me to pick templates, and add all sorts of features to a website and upload images and designs with just a click.But I didn’t tell anyone because it would only take me an hour or so to do a website and we’d charge $270,000 as if it had taken us months.I thought I was smart.But software companies were going for hundreds of millions of dollars. Software can scale. Agencies can’t.We sold on August 31, 1998 for six million in stock.I was so happy.The stock went up and down. In 1999 I bought the most expensive apartment I could buy in NYC.It was three blocks from the World Trade Center. Nancy, the real estate agent, said, “prices will never go down. Manhattan is an island and you will live in the best location.”I said to Nancy, “but what if a plane hits the World Trade Center and the building comes down.” I wasn’t being prophetic. Just paranoid.“You can’t live your life that way,” she said. So I bought the apartment.(my apartment back then.)The low of the stock after I sold Reset was $2 a share. I had 450,000 shares.In February of 2000, the stock reached a high of $48. I sold almost all of my stock then.I looked at the money sitting in my Prudential stock market account.I kept hitting reload. I couldn’t believe what I was seeing.“We’re done,” I said to my then-wife. “We did it.” I had been broke all of my life. Now, this cash was sitting in my account. All cash. I had cashed out. Cash.I had a daughter. I loved her. I loved everything.Two years later I was dead broke. I was losing my home. The smoke from the old World Trade Center was still shooting itself into the sky a few blocks away.Many things happened between 1998 and 2002. Amazing, exciting things. I have many stories. I made many friends.In the summer of 2002, none of those new friends were around anymore. They all disappeared. Nobody would return my calls.I didn’t want to think that people liked me for just money. But many people liked me just because I had money.One time I needed to buy diapers for my daughters. I forgot which brand so I used a payphone to call my then-wife.I picked up the phone and put it next to my ear but there was no dialtone. Something felt sticky in my head and ear.I pulled the phone away. It was covered in shit. My ears and hair and cheek were now covered in shit. I hung up the phone and went home.I forgot how to smile. I forgot how to find happiness tucked away in the laughter of my daughters. I wanted to be alone. I was nothing.I was dead broke and needed to figure out a way to bounce back.That was then.
What are some good tactics or hacks for finding housing in San Francisco?
Here's the deal. My roommates and I were able to line up two different places in just two weeks of looking. Here's how we did it. First off, it's a mindset. You have to be ready to commit all of your time on the weekends and a significant amount of time during the week to get it done. Step one, before you ever start looking, create a Renter's Resume. I was able to find a really great template on either Live Lovely or Padmapper. Basically a renters resume is exactly that, it's a personalized biography of yourself and each prospective tenant detailing your relationship, why you are moving to SF and what makes you good prospective tenants. Pictures are a must, really personalizes the whole thing. Next include a copy of each prospective tenants credit reports and pay stubs. Free credit report websites provide this information for free. Lastly provide copies of everyone's driver's licenses in the renter's resume. If you want to blow people away, include previous landlord reference letters as well. Finally top it all off with a nice cover page. Next comes the search, I almost exclusively used craigslist. All the open houses are typically on the weekend so starting Monday, begin lining up a full weekend of appointments and open houses. If you can look at 4 places on both Saturday and Sunday, the chances are good you will find a place you like. For every open house and appointment, make sure you have contacted the host and sent the contact point a copy of your renter's resume. Bring hard copies of your renter's resume to every appointment. When you find a place you do like, you need to have the application completed and in the hands of the proper people by the end of that day if you want to have a realistic shot at getting the place. Lastly, you need to be ready to pull the trigger right away. We looked at a place on Sunday and put down $10k for first month's rent and deposit on Tuesday. Things move really quickly and the competition is fierce but if you follow my advice you shouldn't have much trouble finding a place. You basically just need to out hustle everyone else. Hopefully this helps.
I’m dealing with downstairs neighbors who are fighting, screaming, and slamming doors almost 24/7. I have complained to the landlord several times but nothing has changed. What should I do?
(Disclaimer: IANAL - however I can put you in touch with at least one. You should look talk to your Council and Citizens’ Advice first, as mentioned below)Assuming you’re in the UK…This is a statutory noise nuisance as per the terms of the Environmental Protection Act 1990Your FIRST port of call is your local council’s environmental health officers - they will ask you to gather evidence for your complaint, but if you’ve already been doing that and can prove you have already complained to your landlord then you should say so at the outset as it will assist them in expediting actionWhilst you are required to provide your personal details to the council when making such complaints it is completely unlawful (and not just under GDPR laws) for them to disclose in any way shape of form who may have complained when dealing with the landlord or the problem tenants. If this should happen, then you have a claim against the council.If any form of retaliatory action starts happening then it starts moving into expedited action territory - which may include ASBOs and/or court order for the troublemakers to not approach the area - and if they happen to live in the area, “boo sucks”, that’s simply too bad for them, the court will not assist them in finding alternate accomodation - OR let them reenter the premises to collect their stuff - nor are councils obligated to assist (it comes under voluntarily having made oneself homeless). Such orders usually come standard with wording that “aiding or inciting others” to continue the breaches makes the culprits directly responsible so it’s important to keep notes of what happens in case they “get their mates to harrass you”Your SECOND port of call is to notify your landlord that as he has failed to take action on the nuisance, you are invoking section 82 of the act - which allows a right of private action - again with evidence of the problem it’s a rubberstamp court order in made by a county court magistrate telling the landlord to take steps to ensure the nuisance ceases and desists _immediately_ and subjecting him/her to a £5000 per day contempt of court fine if it continues (this effectively forces the landlord to issue an emergency eviction order against the problem tenants giving them less than 24 hours to move out)A section 82 action is relatively expensive (budget £1000) but you can usually obtain an order for costs and disbursements against the respondent if you ask for it as part of the judgement (you’re the plaintiff in this kind of case), however the formal notification of your invoking the steps towards a court case should scare the hell out of anyone who bothers to consult a lawyer, as the lawyer will tell them they haven’t got a leg to stand on in terms of defending such an action (if there’s a noise nuisance then you automatically have a case and if there’s not, there cannot possibly be a breach of court orders so they’d have nothing to worry about)There are a number of “letter before action” section 82 templates around which you can use, however one written on barrister (not just lawyer) letterhead is a way of saying “I really do mean business and you ignore this at your peril” (they usually cost £150–200 to be written for you)Talking to Citizens’ advice is usually worthwhile - if you can get through. UK Councils have been systemically gutting CA funding for years.I’d also recommend talking to SHELTER (Shelter - The housing and homelessness charity) about your rightsIMPORTANT: A landlord who retaliates against such action by serving an eviction notice against the complainant instead of the nuisance maker is committing a criminal offence and would see civil awards in a statutory nuisance case moving into exemplary damages realms as well as opening liability to other actions. Such an action is where SHELTER assistance is crucialIf you know who the landlord’s public liability insurance underwriters are, then quietly contacting them can be effective in terms of having the insurer refuse to stump up legal costs on the basis that the landlord has already knowingly failed to take steps to minimise liability when the landlord attempts to make a claim to the insurer. (This is important as otherwise the landlord may have a couple million pounds of legal defence funding to call on if they think to invoke their liability insurance policy. Liability insurance is very cheap because the list of exclusions usually includes “knowingly or recklessly” doing bad stuff along with being warned of a risk/problem without investigating or taking action to minimise that risk.