| Key_to_the_City1_INTRODUCTION 1 60.08 14.64 Mr<space>Olsen. | |
| Key_to_the_City1_INTRODUCTION 1 75.60 2.72 Good<space>afternoon. | |
| Key_to_the_City1_INTRODUCTION 1 78.72 5.76 What<space>is<space>it,<space>we<space>live<space>here? | |
| Key_to_the_City1_INTRODUCTION 1 85.68 10.32 What<space>a<space>welcome<space>everybody<space>to<space>Schenectady<space>City<space>Hall<space>in<space>our<space>first<space>of<space>what<space>we<space>hope<space>will<space>be<space>a<space>monthly<space>open<space>house<space>program<space>in<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 96.48 5.84 Thankful<space>to<space>our<space>partners<space>in<space>KeyBank<space>and<space>their<space>key<space>to<space>the<space>city<space>mortgage<space>initiative. | |
| Key_to_the_City1_INTRODUCTION 1 102.48 11.04 Which<space>in<space>this<space>market<space>is<space>a<space>unique<space>product,<space>which<space>I<space>believe<space>makes<space>the<space>city<space>of<space>Schenectady<space>more<space>competitive<space>and<space>creates<space>greater<space>opportunity<space>for<space>home<space>ownership<space>in<space>our<space>community. | |
| Key_to_the_City1_INTRODUCTION 1 113.60 3.44 And<space>I<space>do<space>thank<space>our<space>partners<space>at<space>KeyBank. | |
| Key_to_the_City1_INTRODUCTION 1 117.84 18.96 This<space>is<space>the<space>largest<space>open<space>house<space>undertaking<space>that<space>I<space>believe<space>has<space>ever<space>happened<space>in<space>the<space>city<space>of<space>Schenectady<space>and<space>I<space>thank<space>Prudential<space>Realty<space>for<space>focusing<space>on<space>this<space>and<space>being<space>initiative<space>and<space>all<space>our<space>partners<space>that<space>are<space>joining<space>as<space>we<space>look<space>to<space>build<space>on<space>today's<space>success. | |
| Key_to_the_City1_INTRODUCTION 1 136.80 8.40 And<space>again,<space>make<space>it<space>a<space>monthly<space>event<space>that<space>markets<space>Schenectady<space>and<space>attracts<space>owner-occupied<space>individuals<space>to<space>our<space>great<space>housing<space>stock. | |
| Key_to_the_City1_INTRODUCTION 1 145.44 16.72 Want<space>to<space>recognize<space>some<space>of<space>my<space>colleagues<space>here,<space>council<space>member<space>Peggy<space>king,<space>Lisa<space>Perazzo,<space>Carl<space>Erickson,<space>our<space>colleagues<space>in<space>the<space>Schenectady<space>City<space>School<space>District,<space>school<space>board<space>president<space>Cathy<space>Lewis,<space>school<space>board<space>member<space>Bryan<space>Lindsey. | |
| Key_to_the_City1_INTRODUCTION 1 162.40 2.16 If<space>anybody<space>else<space>-<space>oh,<space>Cheryl. | |
| Key_to_the_City1_INTRODUCTION 1 164.88 0.40 Sorry. | |
| Key_to_the_City1_INTRODUCTION 1 165.44 6.00 Welcome<space>also,<space>and<space>we'll<space>hear<space>briefly<space>from<space>our<space>school<space>superintendent<space>in<space>a<space>few<space>minutes. | |
| Key_to_the_City1_INTRODUCTION 1 171.92 12.24 But<space>we<space>need<space>responsible<space>homeowners<space>in<space>the<space>city<space>of<space>Schenectady<space>and<space>I<space>want<space>to<space>do<space>everything<space>in<space>my<space>power<space>in<space>utilizing<space>city<space>staff<space>and<space>resources<space>to<space>attract<space>people<space>to<space>this<space>community. | |
| Key_to_the_City1_INTRODUCTION 1 184.88 13.44 It<space>is<space>an<space>opportunity<space>here<space>that<space>is,<space>I<space>believe,<space>unparalleled<space>where<space>we<space>talk<space>about<space>high<space>taxes,<space>we<space>talk<space>about<space>some<space>of<space>the<space>urban<space>problems<space>and<space>why<space>people<space>tend<space>to<space>discount<space>the<space>city<space>of<space>Schenectady<space>in<space>other<space>communities. | |
| Key_to_the_City1_INTRODUCTION 1 198.40 7.28 And<space>if<space>you<space>do<space>the<space>analysis<space>and<space>some<space>of<space>this<space>is<space>available<space>in<space>the<space>packets<space>and<space>we<space>have<space>realtors<space>and<space>some<space>of<space>the<space>individuals<space>from<space>Key<space>who<space>can<space>talk<space>to<space>you. | |
| Key_to_the_City1_INTRODUCTION 1 206.32 8.24 The<space>market<space>has<space>overly<space>compensated<space>for<space>some<space>of<space>those<space>perceived<space>conditions<space>that<space>exist<space>in<space>the<space>market. | |
| Key_to_the_City1_INTRODUCTION 1 214.72 5.36 I<space>mean<space>that<space>our<space>housing<space>prices<space>are<space>far<space>lower<space>than<space>they<space>should<space>be. | |
| Key_to_the_City1_INTRODUCTION 1 220.16 9.36 And<space>as<space>a<space>result<space>of<space>that,<space>some<space>of<space>the<space>taxes<space>and<space>fees<space>represent<space>a<space>greater<space>proportion<space>than<space>in<space>some<space>of<space>our<space>suburban<space>locations<space>or<space>other<space>communities. | |
| Key_to_the_City1_INTRODUCTION 1 229.60 5.12 And<space>people<space>look<space>at<space>that<space>and<space>they<space>say,<space>"oh,<space>it's<space>too<space>high,<space>we<space>don't<space>want<space>to<space>live<space>here". | |
| Key_to_the_City1_INTRODUCTION 1 235.04 18.24 But<space>when<space>you<space>break<space>it<space>down,<space>if<space>you<space>buy<space>a<space>house<space>and<space>you<space>look<space>at<space>your<space>costs<space>of<space>home<space>ownership;<space>the<space>mortgage<space>taxes,<space>insurance,<space>and<space>other<space>related<space>fees,<space>in<space>fact,<space>home<space>ownership<space>in<space>the<space>city<space>of<space>Schenectady<space>is<space>far<space>more<space>competitive<space>than<space>any<space>of<space>the<space>other<space>communities<space>in<space>the<space>region. | |
| Key_to_the_City1_INTRODUCTION 1 254.48 10.40 Some<space>of<space>the<space>questions<space>come<space>up<space>about<space>the<space>school<space>district<space>and<space>we<space>acknowledged<space>there've<space>been<space>problems<space>in<space>the<space>past<space>but<space>there's<space>a<space>team<space>in<space>place<space>that<space>is<space>committed<space>to<space>changing<space>that. | |
| Key_to_the_City1_INTRODUCTION 1 265.04 7.68 We're<space>fortunate<space>to<space>have<space>Jan<space>Regulski<space>as<space>the<space>interim<space>superintendent,<space>working<space>with<space>Cathy<space>Lewis<space>and<space>the<space>other<space>members<space>of<space>the<space>school<space>board. | |
| Key_to_the_City1_INTRODUCTION 1 272.96 12.72 They<space>are<space>changing<space>that<space>dealing<space>with<space>the<space>past<space>problems<space>and<space>reinforcing<space>what<space>is<space>really<space>an<space>unparalleled<space>offering<space>of<space>courses<space>in<space>this<space>school<space>district. | |
| Key_to_the_City1_INTRODUCTION 1 285.68 3.68 It<space>is,<space>I<space>believe<space>second<space>to<space>none<space>in<space>the<space>capital<space>district. | |
| Key_to_the_City1_INTRODUCTION 1 289.44 14.80 And<space>if<space>people<space>want<space>to<space>move<space>here,<space>want<space>to<space>take<space>advantage<space>of<space>the<space>school<space>district,<space>you're<space>going<space>to<space>find<space>that<space>there's<space>opportunities<space>and<space>educational<space>excitement<space>that<space>again,<space>is<space>unequaled<space>and<space>unparalleled<space>in<space>the<space>region. | |
| Key_to_the_City1_INTRODUCTION 1 304.32 14.48 And<space>that<space>if<space>people<space>sort<space>through<space>kind<space>of<space>the<space>rhetoric,<space>some<space>of<space>the<space>disinformation,<space>Schenectady<space>is<space>the<space>opportunity,<space>the<space>place<space>people<space>should<space>be,<space>they<space>should<space>look<space>at<space>Schenectady<space>and<space>I<space>want<space>people<space>to<space>live<space>here,<space>move<space>here<space>and<space>participate<space>in<space>this<space>community. | |
| Key_to_the_City1_INTRODUCTION 1 319.12 12.32 And<space>it's<space>with<space>that,<space>I'd<space>like<space>to<space>introduce<space>one<space>of<space>our<space>partners,<space>Jay<space>Christiana,<space>president<space>of<space>Prudential<space>Manor<space>Homes<space>who<space>has<space>been<space>a<space>key<space>driver<space>in<space>putting<space>this<space>together. | |
| Key_to_the_City1_INTRODUCTION 1 331.68 1.92 He<space>is<space>kind<space>of<space>a<space>good<space>term<space>to<space>use<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 333.60 7.04 Welcome<space>-<space>Thank<space>you<space>-<space>Good<space>afternoon,<space>good<space>afternoon. | |
| Key_to_the_City1_INTRODUCTION 1 340.64 4.24 I'd<space>like<space>to<space>thank<space>Mayor<space>McCarthy<space>and<space>KeyBank<space>for<space>making<space>us<space>a<space>part<space>of<space>today's<space>event. | |
| Key_to_the_City1_INTRODUCTION 1 344.96 4.64 We<space>look<space>forward<space>to<space>continuing<space>this<space>type<space>of<space>promotion<space>with<space>the<space>city<space>of<space>Schenectady<space>for<space>many<space>years<space>to<space>come. | |
| Key_to_the_City1_INTRODUCTION 1 349.84 4.40 Our<space>company,<space>Prudential<space>Manor<space>Homes,<space>REALTORS<space>started<space>90<space>years<space>ago<space>right<space>up<space>the<space>street. | |
| Key_to_the_City1_INTRODUCTION 1 354.24 1.04 I'm<space>sorry,<space>Can<space>I? | |
| Key_to_the_City1_INTRODUCTION 1 355.52 0.56 There<space>we<space>go. | |
| Key_to_the_City1_INTRODUCTION 1 356.08 0.88 A<space>little<space>bit<space>better. | |
| Key_to_the_City1_INTRODUCTION 1 357.52 4.88 Started<space>about<space>90<space>years<space>ago,<space>right<space>up<space>the<space>street<space>where<space>pinhead<space>Susan's<space>now<space>stands. | |
| Key_to_the_City1_INTRODUCTION 1 362.72 6.72 Schenectady<space>is<space>a<space>very<space>important<space>community<space>to<space>us<space>and<space>we<space>appreciate<space>everything<space>the<space>mayor<space>continues<space>to<space>do<space>to<space>promote<space>this<space>terrific<space>city. | |
| Key_to_the_City1_INTRODUCTION 1 369.68 6.56 We<space>will<space>have<space>associates<space>at<space>all<space>of<space>the<space>homes<space>that<space>are<space>open<space>on<space>today's<space>tour<space>to<space>answer<space>any<space>of<space>the<space>questions<space>that<space>you<space>may<space>have. | |
| Key_to_the_City1_INTRODUCTION 1 376.32 6.80 Associate<space>broker<space>Mary<space>Della<space>Sandra<space>will<space>be<space>here<space>to<space>answer<space>questions<space>and<space>Donna,<space>Rick<space>and<space>Talla<space>will<space>be<space>on<space>the,<space>the<space>bus<space>this<space>afternoon. | |
| Key_to_the_City1_INTRODUCTION 1 383.84 3.20 I<space>invite<space>you<space>to<space>download<space>the<space>Prudential<space>Manor<space>mobile<space>app<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 387.04 2.72 This<space>will<space>help<space>you<space>with,<space>with<space>the<space>tour<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 390.08 7.28 It's<space>available<space>in<space>the<space>app<space>stores<space>on<space>any,<space>any<space>smartphone<space>and<space>it'll<space>show<space>you<space>where<space>all<space>the<space>properties<space>in<space>the<space>area<space>are,<space>are<space>listed<space>and<space>give<space>you<space>more<space>information. | |
| Key_to_the_City1_INTRODUCTION 1 397.84 3.44 I<space>just<space>thank<space>you<space>again,<space>and<space>we<space>look<space>forward<space>to<space>a<space>great<space>event<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 401.28 4.56 Thank<space>you. | |
| Key_to_the_City1_INTRODUCTION 1 406.88 0.88 Thank<space>you. | |
| Key_to_the_City1_INTRODUCTION 1 408.16 4.24 Next<space>speaker<space>is<space>a<space>good<space>friend,<space>a<space>great<space>leader. | |
| Key_to_the_City1_INTRODUCTION 1 412.48 10.80 and<space>as<space>we<space>go<space>through<space>a<space>transition<space>phase<space>in<space>the<space>school<space>district,<space>that<space>we<space>are<space>truly<space>have<space>been<space>blessed<space>to<space>have<space>the<space>expertise<space>and<space>knowledge<space>of<space>Jan<space>Regulski. | |
| Key_to_the_City1_INTRODUCTION 1 423.36 9.52 He<space>really<space>has<space>opened<space>up<space>the<space>City<space>School<space>District<space>to<space>what<space>we<space>all<space>know<space>it<space>can<space>be,<space>should<space>be<space>and<space>will<space>continue<space>to<space>grow. | |
| Key_to_the_City1_INTRODUCTION 1 432.88 6.16 And<space>Jan,<space>thank<space>you<space>for<space>being<space>here<space>today<space>and<space>participating<space>in<space>this. | |
| Key_to_the_City1_INTRODUCTION 1 440.72 1.68 Thanks<space>for<space>those<space>kind<space>words. | |
| Key_to_the_City1_INTRODUCTION 1 442.72 16.32 When<space>I<space>think<space>about<space>keys<space>to<space>the<space>city,<space>this<space>city,<space>or<space>any<space>other<space>city,<space>among<space>the<space>keys<space>are<space>the<space>school<space>systems,<space>I<space>came<space>here<space>just<space>about<space>two<space>years<space>ago<space>when<space>a<space>lot<space>of<space>the<space>attention<space>was<space>on<space>adults<space>and<space>adult<space>related<space>problems. | |
| Key_to_the_City1_INTRODUCTION 1 459.28 5.12 I'm<space>happy<space>to<space>tell<space>you,<space>we're<space>focusing<space>now<space>on<space>students,<space>on<space>learning<space>and<space>on<space>teaching. | |
| Key_to_the_City1_INTRODUCTION 1 464.88 5.68 We<space>have<space>a<space>wonderful<space>school<space>system<space>that<space>gets<space>lost<space>in<space>some<space>of<space>the<space>noise. | |
| Key_to_the_City1_INTRODUCTION 1 471.20 7.92 As<space>a<space>long-time<space>educator,<space>I<space>see<space>up<space>close,<space>what's<space>really<space>positive<space>about<space>this<space>school<space>district. | |
| Key_to_the_City1_INTRODUCTION 1 479.44 7.68 We<space>have<space>more<space>offerings<space>for<space>our<space>students<space>than<space>any<space>of<space>the<space>other<space>school<space>districts<space>in<space>this<space>area. | |
| Key_to_the_City1_INTRODUCTION 1 487.76 1.60 It's<space>a<space>wonderful<space>place. | |
| Key_to_the_City1_INTRODUCTION 1 489.60 8.24 If<space>you<space>want<space>evidence<space>of<space>that,<space>we<space>just<space>recently,<space>the<space>board<space>just<space>recently<space>completed<space>a<space>process<space>of<space>looking<space>for<space>a<space>new<space>superintendent. | |
| Key_to_the_City1_INTRODUCTION 1 498.16 10.56 We<space>were<space>able<space>to<space>attract<space>accomplished<space>educators<space>to<space>apply<space>for<space>the<space>city<space>because<space>they<space>see<space>what's<space>here<space>already<space>and<space>the<space>potential<space>to<space>take<space>it<space>even<space>further. | |
| Key_to_the_City1_INTRODUCTION 1 509.12 7.68 Matter<space>of<space>fact,<space>the<space>gentleman<space>who<space>was<space>selected<space>specifically<space>responded<space>to<space>questions<space>around<space>why<space>he<space>came. | |
| Key_to_the_City1_INTRODUCTION 1 516.96 16.48 He<space>wanted<space>to<space>come<space>to<space>this<space>city<space>so<space>that<space>he<space>could<space>have<space>his<space>own<space>young<space>children<space>join<space>in<space>the<space>school<space>system<space>and<space>experience<space>what<space>an<space>urban<space>school<space>system<space>of<space>this<space>diversity<space>and<space>outstanding<space>programs<space>could<space>offer. | |
| Key_to_the_City1_INTRODUCTION 1 534.08 6.16 No<space>one<space>can<space>speak<space>louder<space>about<space>this<space>school<space>district<space>than<space>someone<space>who<space>would<space>make<space>that<space>kind<space>of<space>commitment. | |
| Key_to_the_City1_INTRODUCTION 1 540.32 9.04 So<space>we<space>really<space>got<space>a<space>great<space>school<space>system<space>and<space>it<space>is<space>one<space>of<space>the<space>keys<space>to<space>the<space>city<space>and<space>it<space>should<space>attract<space>more<space>and<space>more<space>people<space>to<space>come<space>and<space>live<space>here. | |
| Key_to_the_City1_INTRODUCTION 1 549.52 7.36 Thank<space>you. | |
| Key_to_the_City1_INTRODUCTION 1 557.68 8.56 And<space>now<space>one<space>of<space>our<space>key<space>partners,<space>Joseph<space>Riedhammer<space>from<space>KeyBank,<space>and<space>it<space>is<space>a<space>unique<space>product<space>that<space>Key<space>has<space>put<space>together<space>in<space>this<space>market. | |
| Key_to_the_City1_INTRODUCTION 1 566.24 6.08 And<space>I<space>am<space>truly<space>thankful,<space>appreciative<space>of<space>the<space>efforts<space>of<space>KeyBank<space>and<space>look<space>forward<space>to<space>working<space>with<space>you<space>in<space>the<space>future. | |
| Key_to_the_City1_INTRODUCTION 1 572.40 5.60 So<space>we<space>continue<space>to<space>make<space>this<space>city<space>a<space>great<space>place<space>to<space>live<space>and<space>work. | |
| Key_to_the_City1_INTRODUCTION 1 581.44 0.56 Thank<space>you. | |
| Key_to_the_City1_INTRODUCTION 1 582.08 1.92 Thank<space>you<space>everyone<space>for<space>coming<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 584.32 3.20 Today<space>is<space>the<space>day<space>that<space>Key<space>to<space>the<space>City<space>comes<space>home. | |
| Key_to_the_City1_INTRODUCTION 1 587.76 7.44 Today,<space>home<space>buyers<space>can<space>see<space>for<space>themselves<space>the<space>exceptional<space>quality<space>of<space>homes<space>this<space>program<space>makes<space>affordable<space>here<space>in<space>the<space>city<space>of<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 595.36 5.20 We've<space>been<space>very<space>pleased<space>with<space>the<space>response<space>this<space>program<space>has<space>had<space>among<space>home<space>buyers<space>in<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 600.64 3.44 At<space>the<space>start,<space>home<space>buyers<space>here<space>had<space>to<space>take<space>our<space>word<space>for<space>it. | |
| Key_to_the_City1_INTRODUCTION 1 604.32 3.04 They<space>knew<space>about<space>the<space>program<space>because<space>we<space>announced<space>it<space>publicly. | |
| Key_to_the_City1_INTRODUCTION 1 607.60 10.16 However,<space>today<space>they<space>can<space>take<space>a<space>tour<space>of<space>a<space>remarkable<space>selection<space>of<space>high<space>quality<space>affordable<space>homes<space>that<space>are<space>available,<space>and<space>the<space>welcoming<space>neighborhoods<space>of<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 618.00 7.28 Key<space>to<space>the<space>City<space>is<space>a<space>true<space>partnership<space>that<space>works<space>as<space>partnerships<space>should,<space>with<space>everyone<space>bringing<space>something<space>unique<space>to<space>the<space>table. | |
| Key_to_the_City1_INTRODUCTION 1 625.76 4.64 The<space>city<space>of<space>Schenectady,<space>brings<space>leadership<space>and<space>attracting<space>new<space>residents<space>to<space>astound. | |
| Key_to_the_City1_INTRODUCTION 1 630.48 10.32 The<space>city<space>also<space>brings<space>to<space>bear<space>the<space>expertise<space>of<space>many<space>city<space>departments<space>demonstrating<space>a<space>commitment<space>to<space>providing<space>a<space>higher<space>quality<space>of<space>life<space>for<space>the<space>city<space>residents. | |
| Key_to_the_City1_INTRODUCTION 1 640.96 3.36 Prudential<space>Manor<space>Home<space>has<space>been<space>a<space>great<space>partner<space>from<space>the<space>start. | |
| Key_to_the_City1_INTRODUCTION 1 644.40 7.44 They<space>bring<space>many<space>years<space>of<space>experience<space>and<space>professionalism<space>as<space>well<space>as<space>an<space>outstanding<space>selection<space>of<space>homes<space>here<space>within<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 652.08 13.68 And<space>KeyBank<space>is<space>proud<space>to<space>provide<space>affordable<space>financing<space>that<space>enables<space>home<space>buyers,<space>including<space>first-time<space>home<space>buyers,<space>to<space>join<space>those<space>who<space>already<space>know<space>what<space>a<space>great<space>community<space>the<space>city<space>of<space>Schenectady<space>is<space>to<space>raise<space>a<space>family<space>in. | |
| Key_to_the_City1_INTRODUCTION 1 666.16 2.72 The<space>numbers<space>of<space>the<space>programs<space>speak<space>for<space>themselves. | |
| Key_to_the_City1_INTRODUCTION 1 669.12 5.20 We've<space>had<space>17<space>closing<space>since<space>inception<space>of<space>this<space>program<space>started<space>at<space>the<space>end<space>of<space>September. | |
| Key_to_the_City1_INTRODUCTION 1 674.56 3.76 That's<space>six<space>more<space>since<space>our<space>meeting<space>here<space>this<space>past<space>January. | |
| Key_to_the_City1_INTRODUCTION 1 678.64 11.20 We've<space>had<space>over<space>98<space>new<space>inquiries<space>since<space>January<space>3rd<space>in<space>reference<space>to<space>this<space>program,<space>bringing<space>the<space>total<space>interest<space>of<space>prospective<space>home<space>buyers,<space>over<space>270,<space>since<space>November. | |
| Key_to_the_City1_INTRODUCTION 1 690.32 5.04 We<space>have<space>seven<space>loans<space>currently<space>in<space>progress<space>that<space>we<space>expect<space>to<space>be<space>wrapping<space>up<space>here,<space>shortly<space>in<space>February. | |
| Key_to_the_City1_INTRODUCTION 1 695.52 4.40 So<space>you<space>can<space>see<space>the<space>program<space>is<space>working<space>and<space>it's<space>taken<space>effect<space>here<space>in<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 700.08 2.16 We're<space>all<space>glad<space>you<space>could<space>all<space>be<space>here<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 702.24 5.68 And<space>we're<space>glad<space>to<space>all<space>the<space>homeowners<space>that<space>are<space>in<space>a<space>position<space>to<space>take<space>advantage<space>of<space>this<space>unique<space>financing. | |
| Key_to_the_City1_INTRODUCTION 1 708.08 4.32 We<space>welcome<space>you<space>to<space>see<space>the<space>fine<space>values<space>of<space>the<space>homes<space>here<space>in<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 712.48 4.72 Thank<space>you. | |
| Key_to_the_City1_INTRODUCTION 1 719.84 11.12 The<space>original<space>concept<space>when<space>we<space>started<space>this<space>was<space>to<space>kind<space>of<space>start<space>out<space>small<space>this<space>month<space>and<space>let<space>it<space>build<space>over<space>the<space>course<space>of<space>the<space>next<space>few<space>months<space>by<space>the<space>individuals<space>here. | |
| Key_to_the_City1_INTRODUCTION 1 731.12 3.92 We<space>clearly<space>see<space>that<space>it's<space>been<space>far<space>more<space>successful<space>than<space>I<space>thought. | |
| Key_to_the_City1_INTRODUCTION 1 735.12 4.16 I<space>appreciate<space>everybody's<space>interest,<space>their<space>participation. | |
| Key_to_the_City1_INTRODUCTION 1 739.52 4.56 I<space>had<space>made<space>the<space>commitment<space>to<space>make<space>city<space>staff<space>available<space>at<space>homes. | |
| Key_to_the_City1_INTRODUCTION 1 744.24 1.44 Commissioner<space>Olsen<space>is<space>here. | |
| Key_to_the_City1_INTRODUCTION 1 745.76 5.12 Chief<space>Della<space>Rocco,<space>Chief<space>cheers,<space>Assistant<space>Chief<space>Kale<space>Collin. | |
| Key_to_the_City1_INTRODUCTION 1 750.96 9.28 Unfortunately,<space>we<space>don't<space>have<space>quite<space>as<space>many<space>public<space>employees<space>to<space>send<space>out<space>to<space>every<space>house<space>today,<space>but<space>we<space>will<space>have<space>different<space>people<space>at<space>different<space>places. | |
| Key_to_the_City1_INTRODUCTION 1 760.24 18.00 And<space>if<space>people<space>have<space>questions,<space>we'll<space>follow<space>up<space>as<space>best<space>we<space>can<space>today<space>and<space>get<space>back<space>to<space>people<space>on<space>Tuesday<space>and<space>Wednesday<space>so<space>that<space>we<space>will<space>convince<space>people,<space>if<space>this<space>is<space>the<space>best<space>community,<space>we<space>want<space>people<space>to<space>be<space>here<space>and<space>1<space>or<space>2<space>take<space>pride<space>in<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 778.24 11.36 And<space>with<space>that,<space>I<space>would<space>open<space>it<space>up<space>for<space>any<space>questions<space>that<space>individuals<space>may<space>have<space>before<space>we<space>start<space>the<space>formal<space>tour. | |
| Key_to_the_City1_INTRODUCTION 1 789.76 2.08 What<space>specifically<space>are<space>the<space>incentives<space>to<space>attract<space>home<space>buyers<space>to<space>the<space>city? | |
| Key_to_the_City1_INTRODUCTION 1 791.84 2.64 The<space>simple<space>summary<space>of<space>KeyBank. | |
| Key_to_the_City1_INTRODUCTION 1 794.48 10.24 At<space>this<space>time,<space>they<space>will<space>write<space>a<space>note<space>at<space>a<space>100%<space>to<space>value,<space>really<space>with<space>$500<space>down,<space>they<space>will<space>loan<space>up<space>to<space>$50,000<space>above<space>that. | |
| Key_to_the_City1_INTRODUCTION 1 804.80 5.12 So<space>a<space>homeowner<space>can<space>go<space>in,<space>make<space>repairs,<space>modifications<space>to<space>a<space>home. | |
| Key_to_the_City1_INTRODUCTION 1 809.92 3.20 Update<space>the<space>heating<space>system,<space>put<space>a<space>new<space>kitchen<space>in,<space>bathroom. | |
| Key_to_the_City1_INTRODUCTION 1 813.60 10.32 It's<space>a<space>again,<space>unique<space>product<space>in<space>this<space>market<space>where<space>other<space>banks<space>are<space>looking<space>for<space>20%<space>down,<space>higher<space>participation<space>by<space>the<space>owner. | |
| Key_to_the_City1_INTRODUCTION 1 823.92 2.72 So<space>it's<space>just,<space>it's<space>creative<space>financing. | |
| Key_to_the_City1_INTRODUCTION 1 826.64 7.84 In<space>terms<space>of<space>quality<space>of<space>life,<space>in<space>a<space>sense<space>-<space>You<space>got<space>practice,<space>you've<space>got<space>a<space>great<space>school<space>district,<space>we're<space>seeing<space>investment<space>by<space>general<space>electric. | |
| Key_to_the_City1_INTRODUCTION 1 834.64 8.96 we<space>have<space>a<space>great<space>park<space>system<space>and<space>we<space>have<space>just<space>a<space>number<space>of<space>opportunities<space>here<space>that,<space>where<space>Schenectady<space>continues<space>to<space>get<space>better<space>every<space>day. | |
| Key_to_the_City1_INTRODUCTION 1 843.60 9.36 It<space>seems<space>like<space>a,<space>kind<space>of<space>an<space>almost<space>desperate<space>marketing<space>attempt<space>in<space>a<space>city<space>that,<space>you<space>must<space>admit,<space>doesn't<space>have<space>a<space>great<space>reputation. | |
| Key_to_the_City1_INTRODUCTION 1 852.96 4.08 I<space>will<space>tell<space>you,<space>I<space>believe<space>that<space>reputation<space>is<space>propagated<space>primarily<space>by<space>the<space>media. | |
| Key_to_the_City1_INTRODUCTION 1 857.28 1.20 So<space>it's<space>all<space>my<space>fault<space>then? | |
| Key_to_the_City1_INTRODUCTION 1 858.48 5.20 So<space>that,<space>no,<space>it's<space>not<space>all<space>your<space>fault<space>but<space>if<space>it,<space>the<space>old<space>saying,<space>if<space>it<space>bleeds,<space>it<space>leads. | |
| Key_to_the_City1_INTRODUCTION 1 864.00 7.12 The<space>good<space>things,<space>the<space>incremental<space>things<space>that<space>are<space>happening<space>every<space>day<space>are<space>not<space>necessarily<space>those<space>things<space>that<space>are<space>newsworthy. | |
| Key_to_the_City1_INTRODUCTION 1 871.12 4.16 The<space>program<space>delivering<space>the<space>school<space>district<space>is<space>not<space>something<space>that<space>you<space>read<space>about. | |
| Key_to_the_City1_INTRODUCTION 1 875.44 20.00 Those<space>kids<space>there<space>that<space>are<space>taking<space>advantage<space>of<space>it,<space>they're<space>really<space>going<space>to<space>be<space>great<space>leaders<space>for<space>the<space>future<space>and<space>it's<space>part<space>of<space>this<space>effort<space>today;<space>is<space>to<space>get<space>that<space>message<space>out<space>that<space>there<space>are<space>a<space>lot<space>of<space>good<space>things<space>that<space>are<space>happening<space>here<space>that<space>aren't<space>necessarily<space>newsworthy<space>every<space>day,<space>but<space>it<space>is<space>a<space>good<space>community<space>and<space>we<space>want<space>people<space>to<space>participate<space>in<space>it. | |
| Key_to_the_City1_INTRODUCTION 1 895.44 5.04 Could<space>you<space>expand<space>on<space>the<space>programme<space>delivering<space>the<space>school<space>district? | |
| Key_to_the_City1_INTRODUCTION 1 900.56 5.68 Probably<space>the<space>superintendent<space>might<space>be<space>better<space>to<space>actually<space>deal<space>with<space>that<space>or<space>the<space>president<space>of<space>the<space>school<space>board. | |
| Key_to_the_City1_INTRODUCTION 1 906.64 8.72 What<space>we<space>have,<space>as<space>an<space>example<space>in<space>our<space>high<space>school;<space>a<space>number<space>of<space>wonderful<space>offerings<space>that<space>are<space>not<space>available<space>in<space>other<space>places. | |
| Key_to_the_City1_INTRODUCTION 1 915.44 16.00 As<space>an<space>example,<space>International<space>Baccalaureate<space>programme,<space>we<space>have<space>an<space>outstanding<space>fine<space>arts<space>programme,<space>We<space>have<space>an<space>outstanding<space>Cisco<space>programme,<space>that's<space>recognized<space>by<space>Cisco<space>and<space>sends<space>many<space>people<space>to<space>us. | |
| Key_to_the_City1_INTRODUCTION 1 932.00 2.40 We<space>have<space>just<space>a<space>wide<space>range<space>of<space>offerings. | |
| Key_to_the_City1_INTRODUCTION 1 934.48 5.76 Our<space>course<space>offering<space>booklet<space>for<space>our<space>high<space>school,<space>I<space>would<space>stack<space>up<space>against<space>any<space>in<space>the<space>state. | |
| Key_to_the_City1_INTRODUCTION 1 940.32 2.24 The<space>breadth<space>of<space>offerings<space>is<space>impressive. | |
| Key_to_the_City1_INTRODUCTION 1 942.96 16.40 The<space>number<space>of<space>outstanding<space>students<space>who<space>graduate<space>and<space>go<space>on<space>to<space>the<space>finest<space>universities<space>and<space>colleges<space>doesn't<space>just<space>land,<space>and<space>do<space>it<space>successfully<space>is<space>evidence<space>to<space>how<space>well<space>they're<space>prepared. | |
| Key_to_the_City1_INTRODUCTION 1 962.00 3.76 I<space>don't<space>have<space>any<space>feedback<space>on<space>programme<space>incentive. | |
| Key_to_the_City1_INTRODUCTION 1 965.84 1.12 Is<space>there<space>any<space>other<space>incentive<space>in<space>place? | |
| Key_to_the_City1_INTRODUCTION 1 967.28 8.16 Because<space>when<space>I<space>go,<space>I've<space>done<space>this<space>thing<space>with<space>some<space>of<space>these<space>properties,<space>the<space>price<space>for<space>a<space>2<space>bedroom,<space>I<space>mean,<space>extra<space>for<space>gas,<space>is<space>hot. | |
| Key_to_the_City1_INTRODUCTION 1 975.92 7.68 So<space>if<space>there's<space>any<space>break,<space>a<space>tax<space>break<space>or<space>anything<space>because<space>I<space>already<space>have<space>a<space>2<space>property<space>in<space>the<space>city<space>of<space>Seattle. | |
| Key_to_the_City1_INTRODUCTION 1 984.32 5.20 So<space>owner-occupied<space>would,<space>I've<space>not<space>qualified<space>for<space>that. | |
| Key_to_the_City1_INTRODUCTION 1 989.68 11.12 But<space>is<space>there<space>any<space>-<space>This<space>program<space>is<space>for<space>owner-occupied<space>housing<space>and<space>that's<space>the<space>push<space>that<space>we're<space>trying<space>to<space>do<space>is<space>attract<space>owner-occupied<space>individuals<space>here<space>to<space>this<space>community. | |
| Key_to_the_City1_INTRODUCTION 1 1001.60 0.72 Yes,<space>sir. | |
| Key_to_the_City1_INTRODUCTION 1 1002.48 3.84 My<space>name<space>if<space>Keith<space>Rouse,<space>I<space>was<space>a<space>member<space>of<space>Schenectady. | |
| Key_to_the_City1_INTRODUCTION 1 1006.72 2.16 We<space>know<space>the<space>involvement<space>of<space>banks<space>in<space>the<space>disaster<space>in<space>Wisconsin<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 1008.88 13.52 And<space>it<space>was<space>due<space>to<space>these<space>100%,<space>you<space>know,<space>loans<space>and<space>it<space>hit<space>people<space>and<space>selling<space>their<space>mortgages<space>out<space>and<space>so<space>on. | |
| Key_to_the_City1_INTRODUCTION 1 1022.40 2.00 How<space>do<space>we<space>know<space>that<space>this<space>bank<space>is<space>not<space>involved<space>in<space>this? | |
| Key_to_the_City1_INTRODUCTION 1 1028.64 3.84 I'd<space>say<space>this<space>is<space>somewhat<space>of<space>a<space>much<space>more<space>conservative<space>package. | |
| Key_to_the_City1_INTRODUCTION 1 1032.56 13.68 I<space>know<space>that<space>the<space>acronyms<space>that<space>used<space>to<space>exist<space>in<space>the<space>market<space>were<space>ninja<space>loans,<space>no<space>income,<space>no<space>asset,<space>no<space>job,<space>but<space>you<space>could<space>qualify<space>for<space>a<space>$250,000<space>mortgage,<space>not<space>once,<space>but<space>twice,<space>but<space>three<space>times. | |
| Key_to_the_City1_INTRODUCTION 1 1046.40 1.84 Those<space>are<space>the<space>things<space>that<space>are<space>were<space>wrong. | |
| Key_to_the_City1_INTRODUCTION 1 1048.32 1.52 That's<space>why<space>you<space>have<space>the<space>collapse. | |
| Key_to_the_City1_INTRODUCTION 1 1050.00 5.84 KeyBank<space>is<space>for<space>credit<space>qualified<space>owner-occupied<space>1<space>and<space>2<space>family<space>houses. | |
| Key_to_the_City1_INTRODUCTION 1 1055.84 6.00 It's<space>in<space>fact,<space>a<space>fairly<space>conservative<space>mortgage<space>package<space>with<space>the<space>down<space>payment. | |
| Key_to_the_City1_INTRODUCTION 1 1061.84 5.76 Some<space>of<space>the<space>other<space>things,<space>it<space>is<space>far<space>more<space>competitive<space>than<space>other<space>instruments<space>that<space>are<space>available<space>in<space>the<space>market<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 1067.60 1.76 So<space>why<space>100%? | |
| Key_to_the_City1_INTRODUCTION 1 1070.32 7.44 If<space>you<space>qualify,<space>just<space>go<space>to<space>a,<space>a<space>custom<space>loan,<space>why<space>do<space>you<space>ask<space>to<space>get<space>a<space>100%<space>or<space>the<space>original? | |
| Key_to_the_City1_INTRODUCTION 1 1078.64 5.68 I'll<space>let<space>Key<space>and<space>address<space>these,<space>the<space>thing<space>that<space>they<space>believe<space>that's<space>again,<space>a<space>conservative<space>package. | |
| Key_to_the_City1_INTRODUCTION 1 1084.32 1.76 Hi.<space>I'm<space>Joel<space>Bizure. | |
| Key_to_the_City1_INTRODUCTION 1 1086.08 2.88 I'm<space>the<space>district<space>sales<space>manager<space>for<space>KeyBank<space>here<space>in<space>Albany. | |
| Key_to_the_City1_INTRODUCTION 1 1089.20 3.44 There's<space>often<space>a<space>negative<space>connotation<space>with<space>a<space>100%<space>financing. | |
| Key_to_the_City1_INTRODUCTION 1 1092.80 2.40 However,<space>we're<space>responsibly<space>lending. | |
| Key_to_the_City1_INTRODUCTION 1 1095.28 3.76 We're<space>offering<space>pre<space>and<space>post-purchase<space>counseling<space>to<space>our<space>clients. | |
| Key_to_the_City1_INTRODUCTION 1 1099.12 10.72 So<space>we're<space>not<space>only<space>educating<space>them<space>on<space>how<space>to<space>pay<space>their<space>bills,<space>we're<space>also<space>educating<space>them<space>on<space>how<space>to<space>maintain<space>the<space>home,<space>pay<space>the<space>bills<space>after<space>they<space>closed<space>in<space>the<space>mortgage<space>and<space>stay<space>in<space>the<space>home. | |
| Key_to_the_City1_INTRODUCTION 1 1109.84 7.92 The<space>question<space>is,<space>the<space>question<space>is<space>if<space>they<space>already<space>qualify,<space>you<space>don't<space>need<space>to<space>teach<space>them<space>anything,<space>if<space>you're<space>already<space>qualified,<space>why<space>a<space>100%? | |
| Key_to_the_City1_INTRODUCTION 1 1117.84 3.92 Because<space>they're<space>just<space>a<space>customer,<space>you<space>don't<space>need<space>to<space>give<space>them<space>that. | |
| Key_to_the_City1_INTRODUCTION 1 1122.08 0.88 You<space>know<space>what<space>I'm<space>saying? | |
| Key_to_the_City1_INTRODUCTION 1 1123.12 10.96 This<space>is<space>just<space>a<space>sales<space>marketing<space>pitch<space>or<space>something,<space>you<space>know,<space>this<space>is<space>about<space>one<space>bank<space>and<space>one<space>real<space>estate<space>agent<space>trying<space>to<space>get<space>a<space>lot<space>of<space>people<space>here<space>and<space>the<space>bank<space>is<space>going<space>to<space>rip<space>you<space>off<space>again. | |
| Key_to_the_City1_INTRODUCTION 1 1134.16 2.24 You<space>know,<space>it's<space>just<space>the<space>same<space>thing<space>over<space>and<space>over. | |
| Key_to_the_City1_INTRODUCTION 1 1136.56 8.96 We've<space>heard<space>these<space>stories<space>so<space>much<space>in<space>the<space>-<space>But<space>again,<space>we're<space>fortunate<space>to<space>have<space>Key<space>and<space>Prudential<space>be<space>the<space>point<space>persons<space>on<space>this. | |
| Key_to_the_City1_INTRODUCTION 1 1145.60 3.84 It<space>is<space>not<space>exclusive<space>to<space>any<space>bank<space>or<space>any<space>real<space>estate<space>firm. | |
| Key_to_the_City1_INTRODUCTION 1 1149.52 5.44 The<space>city<space>stands,<space>ready,<space>willing,<space>able<space>to<space>work<space>with<space>other<space>Realty<space>agencies<space>and<space>other<space>banks. | |
| Key_to_the_City1_INTRODUCTION 1 1154.96 5.28 And<space>we<space>have<space>ongoing<space>discussions<space>with<space>banks,<space>realtors<space>to<space>expand<space>and<space>build<space>on<space>this<space>programme. | |
| Key_to_the_City1_INTRODUCTION 1 1160.32 4.24 And<space>that<space>you're<space>trying<space>to<space>cast<space>negative<space>aspersions<space>on<space>what<space>is<space>a<space>good<space>programme. | |
| Key_to_the_City1_INTRODUCTION 1 1164.64 3.68 It's<space>an<space>incentive<space>that<space>makes<space>Schenectady<space>more<space>competitive<space>in<space>this<space>market. | |
| Key_to_the_City1_INTRODUCTION 1 1168.32 3.28 And<space>I'm<space>proud<space>to<space>stand<space>here<space>and<space>have<space>Key<space>as<space>a<space>partner<space>today. | |
| Key_to_the_City1_INTRODUCTION 1 1172.32 2.56 Yes<space>ma'am<space>yes. | |
| Key_to_the_City1_INTRODUCTION 1 1175.12 6.88 I<space>think,<space>I<space>just<space>want<space>to<space>say,<space>you<space>know,<space>I'm<space>not<space>sure,<space>I'm<space>not<space>sure<space>what<space>the<space>question<space>is<space>over<space>here. | |
| Key_to_the_City1_INTRODUCTION 1 1182.16 4.88 However,<space>I<space>just<space>feel<space>that<space>the<space>situation<space>has<space>to<space>be<space>a<space>two-part<space>thing. | |
| Key_to_the_City1_INTRODUCTION 1 1187.04 10.96 And<space>as<space>the<space>bank<space>takes<space>you<space>through<space>these<space>steps,<space>as<space>the<space>consumer,<space>you<space>have<space>to<space>advocate<space>yourself<space>and<space>ask<space>the<space>questions<space>and<space>find<space>out<space>where<space>you're<space>going<space>to<space>be<space>with<space>this<space>before<space>you<space>sign. | |
| Key_to_the_City1_INTRODUCTION 1 1198.08 2.80 Which<space>means,<space>if<space>you<space>don't<space>understand<space>something<space>you<space>have<space>to<space>ask. | |
| Key_to_the_City1_INTRODUCTION 1 1200.96 5.84 I<space>think<space>we're<space>so<space>complacent<space>and<space>we<space>sit<space>back<space>and<space>want<space>the<space>bank<space>to<space>figure<space>everything<space>off<space>for<space>us<space>then<space>you<space>know<space>what? | |
| Key_to_the_City1_INTRODUCTION 1 1206.88 1.60 We<space>need<space>to<space>be<space>proactive. | |
| Key_to_the_City1_INTRODUCTION 1 1208.48 3.28 And<space>going<space>back<space>to<space>what<space>you're<space>saying,<space>I<space>think<space>it's<space>a<space>two-fold<space>thing. | |
| Key_to_the_City1_INTRODUCTION 1 1211.76 9.36 If<space>you<space>come<space>in<space>here<space>trying<space>to<space>get<space>home<space>and<space>it<space>doesn't<space>add<space>up<space>and<space>you<space>feel<space>you<space>can't<space>do<space>it,<space>then<space>you<space>have<space>to<space>say,<space>look,<space>I<space>can't<space>do<space>it<space>-<space>That's<space>exactly<space>correct. | |
| Key_to_the_City1_INTRODUCTION 1 1221.12 3.68 We<space>don't<space>want<space>people<space>to<space>be<space>in<space>homes<space>that<space>they<space>cannot<space>afford. | |
| Key_to_the_City1_INTRODUCTION 1 1225.04 17.36 but<space>it's,<space>it's<space>an<space>opp<space>-<space>one<space>of<space>the<space>key<space>things<space>to<space>this<space>financing<space>programme<space>again,<space>is<space>the<space>ongoing<space>education<space>programme<space>so<space>that<space>people<space>learn<space>to<space>manage<space>money<space>better,<space>learn<space>to<space>look<space>at<space>other<space>opportunities<space>for<space>retirement<space>investments<space>and<space>other<space>things,<space>and<space>it<space>becomes<space>the<space>total<space>financial<space>package. | |
| Key_to_the_City1_INTRODUCTION 1 1242.48 4.16 And<space>so<space>again,<space>I'm<space>proud<space>to<space>have<space>KeyBank<space>as<space>a<space>partner<space>in<space>this<space>undertaking. | |
| Key_to_the_City1_INTRODUCTION 1 1246.80 3.04 Other<space>questions,<space>or<space>should<space>we<space>-<space>yes,<space>sir? | |
| Key_to_the_City1_INTRODUCTION 1 1249.84 3.60 Is<space>there<space>any<space>incentive<space>for<space>first<space>time<space>home<space>buyers? | |
| Key_to_the_City1_INTRODUCTION 1 1253.44 0.80 I<space>mean<space>any<space>literature<space>on<space>that? | |
| Key_to_the_City1_INTRODUCTION 1 1254.24 10.40 There<space>are<space>some,<space>in<space>some<space>of<space>the<space>package<space>and<space>Mr.<space>Mike<space>Yousefi,<space>who's<space>right<space>here,<space>can<space>also<space>talk<space>to<space>individuals<space>on<space>specific<space>questions<space>that<space>they<space>might<space>have. | |
| Key_to_the_City1_INTRODUCTION 1 1265.12 4.56 Want<space>to<space>thank<space>everybody<space>for<space>coming<space>today<space>and<space>appreciate<space>your<space>time,<space>consideration. | |
| Key_to_the_City1_INTRODUCTION 1 1269.68 6.64 And<space>if<space>you<space>have<space>questions,<space>comments,<space>you<space>have<space>a<space>staff<space>here<space>and<space>we'll<space>be<space>available<space>throughout<space>the<space>day. | |
| Key_to_the_City1_INTRODUCTION 1 1276.48 17.84 Thank<space>you. | |