这个肯定不行 太risky了 Your probability of changing house in 5 years is high. The turn around of economy within 5 years is low. Plus, you can always refinance when you see things are changing.
Your probability of changing house in 5 years is high. The turn around of economy within 5 years is low. Plus, you can always refinance when you see things are changing. 也有道理 要不你去hy我lg?
Your probability of changing house in 5 years is high. The turn around of economy within 5 years is low. Plus, you can always refinance when you see things are changing. 可是如果5年之内房价不升，我就没法卖房子 如果我买二房 我就只能把大房租出去 那我就还要take loan on大房
可是如果5年之内房价不升，我就没法卖房子 如果我买二房 我就只能把大房租出去 那我就还要take loan on大房 You can still sell the house if the housing market doesn't pick up. The past purchase price is a sunk cost. It doesn't affect your future financial decision. If the housing market doesn't pick up, your purchase price of the new house is also going to be low. When you wait till the market pick up, your dream house's price is also going to go up.
Renting vs selling depends on your rent cashflow. If the renting business has positive cashflow based on the morgage rate you are getting at that time, you can rent. If the rent doesn't cover, you will sell. Otherwise, you will be taking a loss with the expectation of future market price increase. That's going to be risky.
You can still sell the house if the housing market doesn't pick up. The past purchase price is a sunk cost. It doesn't affect your future financial decision. If the housing market doesn't pick up, your purchase price of the new house is also going to be low. When you wait till the market pick up, your dream house's price is also going to go up.
Renting vs selling depends on your rent cashflow. If the renting business has positive cashflow based on the morgage rate you are getting at that time, you can rent. If the rent doesn't cover, you will sell. Otherwise, you will be taking a loss with the expectation of future market price increase. That's going to be risky. 道理我都懂 可是，叫我预测未来 太难了 还有，我家有个不听指挥的lg 我一个还说了不算！
You can still sell the house if the housing market doesn't pick up. The past purchase price is a sunk cost. It doesn't affect your future financial decision. If the housing market doesn't pick up, your purchase price of the new house is also going to be low. When you wait till the market pick up, your dream house's price is also going to go up.
Renting vs selling depends on your rent cashflow. If the renting business has positive cashflow based on the morgage rate you are getting at that time, you can rent. If the rent doesn't cover, you will sell. Otherwise, you will be taking a loss with the expectation of future market price increase. That's going to be risky. 如果我现在贴钱re,和我现在卖房子亏一样的钱 我应该re还是卖？
yes. it is like a fixed rate loan for the first 5 years. After 5 years, your rate will change, but your schedule is still the same. 我终于有点懂了 利用低利率，多还钱 5年过后，欠的就少了 妈呀，我真够笨的
如果我现在贴钱re,和我现在卖房子亏一样的钱 我应该re还是卖？ It all depends on the future prospect of refinance or sell. Consider the money you have either in cash or in your assets (paid principles). You can look for new investment plus consumption opportunities, say buy a new house, or keep investing the current house. If you get a good deal of the new house, then sell or rent it out if renting cashflow is positive. If you cannot get a good deal of the new house, then refinance and keep looking for other possibilities. If you are doing no cost refinance, always do it. The only bad side is that you may lose the option of get er fang and rent-it out option if your cash is not sufficient enough for the downpayment of the er fang.
It all depends on the future prospect of refinance or sell. Consider the money you have either in cash or in your assets (paid principles). You can look for new investment plus consumption opportunities, say buy a new house, or keep investing the current house. If you get a good deal of the new house, then sell or rent it out if renting cashflow is positive. If you cannot get a good deal of the new house, then refinance and keep looking for other possibilities. If you are doing no cost refinance, always do it. The only bad side is that you may lose the option of get er fang and rent-it out option if your cash is not sufficient enough for the downpayment of the er fang. 对啊，和我想得一样 我re就得拿钱出来 这样我就不够娶二房的彩礼了 但是不re呢，二房也不知道什么时候娶
给亲爱的一对twins狠狠的敲，早点恢复健康出院回家！！！
我爸爸说他在医院吃得特别多
而且医生说还要同时给他条理脾
最好出院的时候能变成大胃王
敲！！！！！！！！！！
大眼和我写论文快点有大进展！！！
还要给完美敲敲，早孕反应太难受了，希望完美加油熬过头几个月，开心大吃，宝宝健康！
给你也敲敲
练扯了吗？
这边的lease到期了。我实在不想再在这里住下去了，特别没安全感
我家的猫眼被人从外面用胶布粘住一次，旁边的灭火筒被拿出来喷得一走廊都是两次，楼里有纵火案3次，楼梯有不明恶心物体无数次
天那，一定要搬
给你也敲敲
练扯了吗？
嗯，周末下雨，就在停车场练了第一次。
不都说开车的人不会晕车么？！我练了1个半小时就晕的难受得不行了，生动的想起了怀孕刚开始反应的时候
我爸爸说他在医院吃得特别多
而且医生说还要同时给他条理脾
最好出院的时候能变成大胃王
嗯，周末下雨，就在停车场练了第一次。
不都说开车的人不会晕车么？！我练了1个半小时就晕的难受得不行了，生动的想起了怀孕刚开始反应的时候
你太紧张了
放松下来就好了
嗯，周末下雨，就在停车场练了第一次。
不都说开车的人不会晕车么？！我练了1个半小时就晕的难受得不行了，生动的想起了怀孕刚开始反应的时候
是不是要经常停车，开，停车，开的。这样比较容易晕。不过，也比坐车的时候好点
嗯，这里只有非常非常严重才会留院的，姐姐上次挺严重了，但呼吸没大问题，所以去了ER也没留下住院
我爸爸说他在医院吃得特别多
而且医生说还要同时给他条理脾
最好出院的时候能变成大胃王
嗯，周末下雨，就在停车场练了第一次。
不都说开车的人不会晕车么？！我练了1个半小时就晕的难受得不行了，生动的想起了怀孕刚开始反应的时候
你太紧张了吧
我爸爸说他在医院吃得特别多
而且医生说还要同时给他条理脾
最好出院的时候能变成大胃王
敲！！！！！！！！！！！！
你太紧张了
放松下来就好了
其实我刚来美国的那年学过1个多小时车（后来有事没练了），练了一阵子教练逼着居然直接就上路了，当时还觉得开车还好；
现在同样学了1个多小时车，在空旷停车场拐弯我还紧张得不行，教练也不敢提让
我上路，在旁边看得提心吊胆。
真是唏嘘，时光啊，我的青春啊
嗯，周末下雨，就在停车场练了第一次。
不都说开车的人不会晕车么？！我练了1个半小时就晕的难受得不行了，生动的想起了怀孕刚开始反应的时候
啊？我晕车，但开车不晕啊！你尽量别想着自己晕车这回事，把注意力集中在开车技术上。
是不是要经常停车，开，停车，开的。这样比较容易晕。不过，也比坐车的时候好点
我还没到那个水平
可能是拐弯拐的？
其实我刚来美国的那年学过1个多小时车（后来有事没练了），练了一阵子教练逼着居然直接就上路了，当时还觉得开车还好；
现在同样学了1个多小时车，在空旷停车场拐弯我还紧张得不行，教练也不敢提让
我上路，在旁边看得提心吊胆。
真是唏嘘，时光啊，我的青春啊
你请了教练来教？
啊？我晕车，但开车不晕啊！你尽量别想着自己晕车这回事，把注意力集中在开车技术上。
嘻嘻，我真没想啊，就是水平太烂终于把自己开晕了
我还没到那个水平
可能是拐弯拐的？
往远处看，不要盯着车前头那一点点。
你请了教练来教？
木，朋友啦，教我所以叫教练嘛
嘻嘻，我真没想啊，就是水平太烂终于把自己开晕了
停车场太小，转圈太多？
往远处看，不要盯着车前头那一点点。
嗯，下次记得拉！
停车场太小，转圈太多？
可能吧，不过刚开始学是不是主要练拐弯啊？还有什么要练的呢？
木，朋友啦，教我所以叫教练嘛
i c. 没让霆峰教？
i c. 没让霆峰教？
这次是他，有他在怎么还会麻烦别人？呵呵！
你白天都不怎么来灌水了，一直在学习？
哎，哪有？！我倒希望是啊！
最近有些杂事忙。
我还在初级阶段，不论是进展还是学习状态，急需加强啊！
可能吧，不过刚开始学是不是主要练拐弯啊？还有什么要练的呢？
嗯，自动车的话，直线没啥可练的，主要是拐弯。还可以练练趴车。你那里路考考什么？平趴? 倒车？
i c. 没让霆峰教？
为了夫妻感情，最好别
哎，哪有？！我倒希望是啊！
最近有些杂事忙。
我还在初级阶段，不论是进展还是学习状态，急需加强啊！
至少你在干正事，比我强！加油！
为了夫妻感情，最好别
哈哈，我正想问开始吵架没有！不过霆峰好脾气，可能问题不大。
大家开玩笑说，不要弃到北卡就离婚了哈
哈哈哈
嘻嘻，我真没想啊，就是水平太烂终于把自己开晕了
呵呵，不厚道的笑了
嗯，自动车的话，直线没啥可练的，主要是拐弯。还可以练练趴车。你那里路考考什么？平趴? 倒车？
不是还有钻杆吗？我记得当时主要练这个来着。在路上开，就找个没人的大的停车场开个两次就行了，钻杆要多练几次的
我想起来我一个同事上次和他老婆骑2人自行车从我们这里区北卡
大家开玩笑说，不要弃到北卡就离婚了哈
哈哈哈
哈哈哈。牛人啊，这个距离开车也要5.6个小时吧
为了夫妻感情，最好别
agree.
为了夫妻感情，最好别
恩，这个是最容易引起两口子吵架的了
我想起来我一个同事上次和他老婆骑2人自行车从我们这里区北卡
大家开玩笑说，不要弃到北卡就离婚了哈
哈哈哈
骑车 is different bah.
我想起来我一个同事上次和他老婆骑2人自行车从我们这里区北卡
大家开玩笑说，不要弃到北卡就离婚了哈
哈哈哈
哈！骑2人车去北卡？强！
[此贴子已经被作者于2010/7/27 12:38:00编辑过]
不是还有钻杆吗？我记得当时主要练这个来着。在路上开，就找个没人的大的停车场开个两次就行了，钻杆要多练几次的
纽约州没有，我都不知道什么是钻杆。
00，能不能帮我问问你同学，现在refin30年是多少了？
你问rate?那个大家都统一的吗？行啊，我周四上课帮你问
你问rate?那个大家都统一的吗？行啊，我周四上课帮你问
你同学做REFI的？ 我朋友给我做的不错。
00，能不能帮我问问你同学，现在refin30年是多少了？
you are going to change big house?
纽约州没有，我都不知道什么是钻杆。
那可真好啊，这个最容易fail了
00，能不能帮我问问你同学，现在refin30年是多少了？
4.5%.
你问rate?那个大家都统一的吗？行啊，我周四上课帮你问
就是general地问一下
我想hy我lg
re一re
4.5%.
能不能找到4？
要是4，我lg估计就肯投钱了
能不能找到4？
要是4，我lg估计就肯投钱了
3% for 5 year ARM
3% for 5 year ARM
这个肯定不行
太risky了
这个肯定不行
太risky了
Your probability of changing house in 5 years is high. The turn around of economy within 5 years is low. Plus, you can always refinance when you see things are changing.
你同学做REFI的？ 我朋友给我做的不错。
have time to lunch together today?
Your probability of changing house in 5 years is high. The turn around of economy within 5 years is low. Plus, you can always refinance when you see things are changing.
也有道理
要不你去hy我lg?
这个肯定不行
太risky了
i didn't do 5 year because my loan is too big. But if i were you, I'd do 5 year ARM.
have time to lunch together today?
今天YOGA。。。 明天有人来ESTIMATE窗子。。。 后天给LIZ申请护照。。。 要不周５？
i didn't do 5 year because my loan is too big. But if i were you, I'd do 5 year ARM.
理由？
Your probability of changing house in 5 years is high. The turn around of economy within 5 years is low. Plus, you can always refinance when you see things are changing.
可是如果5年之内房价不升，我就没法卖房子
如果我买二房
我就只能把大房租出去
那我就还要take loan on大房
理由？
因为过５年你的LOAN就小很多了。你是CONVENTIONAL的把？ 你可以猛力多还。 如果小的话， 到时候高点也不怕的。 如果我们是CONVENTIONAL的我一定５ YEAR ARM。
今天YOGA。。。 明天有人来ESTIMATE窗子。。。 后天给LIZ申请护照。。。 要不周５？
wow! you are so busy and healthy.
admire!
wow! you are so busy and healthy.
admire!
我一周就锻炼周二一天。。。。
因为过５年你的LOAN就小很多了。你是CONVENTIONAL的把？ 你可以猛力多还。 如果小的话， 到时候高点也不怕的。 如果我们是CONVENTIONAL的我一定５ YEAR ARM。
什么意思？我们是fixed
我们没力气猛力多还阿，我还惦记着我的二房呢
什么意思？我们是fixed
我们没力气猛力多还阿，我还惦记着我的二房呢
就是４２。５W以下。 如果你不打算多还， 你还是３０Y。。。
没用阿
我妈决不会把洗衣服，买菜这些事情放给别人做的
我姑姑每天都在帮忙，还是一家人忙得团团转
昨天打电话问了，说要住10天
PAT PAT，晚上可以回家睡吗？战士的干哥哥因为肺炎住过两次院，白天去医院输液，晚上回家睡觉，还好吧，比在门诊那里输液舒服一些。
可是如果5年之内房价不升，我就没法卖房子
如果我买二房
我就只能把大房租出去
那我就还要take loan on大房
You can still sell the house if the housing market doesn't pick up. The past purchase price is a sunk cost. It doesn't affect your future financial decision. If the housing market doesn't pick up, your purchase price of the new house is also going to be low. When you wait till the market pick up, your dream house's price is also going to go up.
Renting vs selling depends on your rent cashflow. If the renting business has positive cashflow based on the morgage rate you are getting at that time, you can rent. If the rent doesn't cover, you will sell. Otherwise, you will be taking a loss with the expectation of future market price increase. That's going to be risky.
PAT PAT，晚上可以回家睡吗？战士的干哥哥因为肺炎住过两次院，白天去医院输液，晚上回家睡觉，还好吧，比在门诊那里输液舒服一些。
不回家
You can still sell the house if the housing market doesn't pick up. The past purchase price is a sunk cost. It doesn't affect your future financial decision. If the housing market doesn't pick up, your purchase price of the new house is also going to be low. When you wait till the market pick up, your dream house's price is also going to go up.
Renting vs selling depends on your rent cashflow. If the renting business has positive cashflow based on the morgage rate you are getting at that time, you can rent. If the rent doesn't cover, you will sell. Otherwise, you will be taking a loss with the expectation of future market price increase. That's going to be risky.
道理我都懂
可是，叫我预测未来
太难了
还有，我家有个不听指挥的lg
我一个还说了不算！
就是４２。５W以下。 如果你不打算多还， 你还是３０Y。。。
你再说说看，5年的对我有什么好处？
You can still sell the house if the housing market doesn't pick up. The past purchase price is a sunk cost. It doesn't affect your future financial decision. If the housing market doesn't pick up, your purchase price of the new house is also going to be low. When you wait till the market pick up, your dream house's price is also going to go up.
Renting vs selling depends on your rent cashflow. If the renting business has positive cashflow based on the morgage rate you are getting at that time, you can rent. If the rent doesn't cover, you will sell. Otherwise, you will be taking a loss with the expectation of future market price increase. That's going to be risky.
如果我现在贴钱re,和我现在卖房子亏一样的钱
我应该re还是卖？
你再说说看，5年的对我有什么好处？
当前的月幅少很多啊。。。 如果你觉得５年后你的经济状况会比现在好， 那么选５年的还是很合理的。 你现在这个房学区好不好？ 如果不好的话， 你肯定要换啊。
当前的月幅少很多啊。。。 如果你觉得５年后你的经济状况会比现在好， 那么选５年的还是很合理的。 你现在这个房学区好不好？ 如果不好的话， 你肯定要换啊。
如果我不生22，应该会更好
如果生22，就不行了
当前的月幅少很多啊。。。 如果你觉得５年后你的经济状况会比现在好， 那么选５年的还是很合理的。 你现在这个房学区好不好？ 如果不好的话， 你肯定要换啊。
不好，肯定要换
arm里面包括本金马？还是光利息？
如果我不生22，应该会更好
如果生22，就不行了
那你到地生不生累？
那你到地生不生累？
不想阿
但保不住以后楼里一个个都生了，我也把持不住了
不过生的话，也是先娶2房再生！
如果我现在贴钱re,和我现在卖房子亏一样的钱
我应该re还是卖？
你如果不打算DEFAULT的话， 房子以后的价格和你现在RE 不RE没什么关系。 你RE不RE的标准是看你多出来的这些钱现在的收益能不能大于你的利率。 如果可以， 当然不用RE。 不过不到， 那么放进去是合理的。
不好，肯定要换
arm里面包括本金马？还是光利息？
yes. it is like a fixed rate loan for the first 5 years. After 5 years, your rate will change, but your schedule is still the same.
你如果不打算DEFAULT的话， 房子以后的价格和你现在RE 不RE没什么关系。 你RE不RE的标准是看你多出来的这些钱现在的收益能不能大于你的利率。 如果可以， 当然不用RE。 不过不到， 那么放进去是合理的。
没看懂！
再说一遍
我家没有别的投资，反正也没钱
yes. it is like a fixed rate loan for the first 5 years. After 5 years, your rate will change, but your schedule is still the same.
我终于有点懂了
利用低利率，多还钱
5年过后，欠的就少了
妈呀，我真够笨的
不想阿
但保不住以后楼里一个个都生了，我也把持不住了
不过生的话，也是先娶2房再生！
I won't.
6块5钱一套，4t的
谁要？
[此贴子已经被作者于2010/7/27 14:01:14编辑过]
我还可以拿出来3条8毛一条的女娃内裤！（2-3t)
在我这里有包裹的男娃妈，我还有2套金家的pjs
6块5钱一套，4t的
谁要？
[此贴子已经被作者于2010/7/27 14:01:14编辑过]
啥是pjs?
啥是pjs?
睡衣睡裤
睡衣睡裤
啥样子？我要一套吧！
啥样子？我要一套吧！
没图，就是金家典型的男娃衣服图案
我回家放一套在你袋子里
还有，我摊子还有2件剩下，谁收了？
我还可以拿出来3条8毛一条的女娃内裤！（2-3t)
我知道有个7号的stella，还有哪个，我回去摊子看一眼啊
如果我现在贴钱re,和我现在卖房子亏一样的钱
我应该re还是卖？
It all depends on the future prospect of refinance or sell. Consider the money you have either in cash or in your assets (paid principles). You can look for new investment plus consumption opportunities, say buy a new house, or keep investing the current house. If you get a good deal of the new house, then sell or rent it out if renting cashflow is positive. If you cannot get a good deal of the new house, then refinance and keep looking for other possibilities. If you are doing no cost refinance, always do it. The only bad side is that you may lose the option of get er fang and rent-it out option if your cash is not sufficient enough for the downpayment of the er fang.
我知道有个7号的stella，还有哪个，我回去摊子看一眼啊
有个小外套，你要了3号的，还有个5号的
没图，就是金家典型的男娃衣服图案
我回家放一套在你袋子里
好，谢谢，谢谢！
你如果不打算DEFAULT的话， 房子以后的价格和你现在RE 不RE没什么关系。 你RE不RE的标准是看你多出来的这些钱现在的收益能不能大于你的利率。 如果可以， 当然不用RE。 不过不到， 那么放进去是合理的。
re
It all depends on the future prospect of refinance or sell. Consider the money you have either in cash or in your assets (paid principles). You can look for new investment plus consumption opportunities, say buy a new house, or keep investing the current house. If you get a good deal of the new house, then sell or rent it out if renting cashflow is positive. If you cannot get a good deal of the new house, then refinance and keep looking for other possibilities. If you are doing no cost refinance, always do it. The only bad side is that you may lose the option of get er fang and rent-it out option if your cash is not sufficient enough for the downpayment of the er fang.
对啊，和我想得一样
我re就得拿钱出来
这样我就不够娶二房的彩礼了
但是不re呢，二房也不知道什么时候娶
烦阿
有个小外套，你要了3号的，还有个5号的
haha, this post has an AD called Q买代购
haha, this post has an AD called Q买代购
寒
对了，你是不是要5号白菜来着？
ft用safari都没法看图回复，我蒙着试试看，是这个不，没人收就放我箱子吧，我正好有个朋友的娃4岁
在我这里有包裹的男娃妈，我还有2套金家的pjs
6块5钱一套，4t的
谁要？
[此贴子已经被作者于2010/7/27 14:01:14编辑过]
me！