当初开esaving时，citi的csr说可以，而且寄来form，form没用，因为公司有自己的form.
其实我后来还是DD到checking了，我把bills的statement date改到pay date附近，付完账单，再转到
saving. 可以减少一次saving的6次限制。
〉没有那个direct deposit to citi e saving的经验，有此经验的筒子来说一下吧。
当初开esaving时，citi的csr说可以，而且寄来form，form没用，因为公司有自己的form.
其实我后来还是DD到checking了，我把bills的statement date改到pay date附近，付完账单，再转到
saving. 可以减少一次saving的6次限制。
这个是什么呢。。
6次限制是指transfer from savings? no more than 6 times a month? or a year?
saving + checking要保持多少minimum,可以free online bill/payment呢？
这些名词我都是头次听说。。见笑了。
大家集思广益。。
也许有很多类似的情况，比如工作不稳定，或者夫妻两地分居，或者市场不稳定，暂时无法买房。。如何有效的攒钱，以备将来实现买房大计。。。
好好学习。。
These are apparent reasons for not buying a house at the moment. Buying a house is a big committment, it seems like that LZMM is making an educated assessment of this decision.
>6次限制是指transfer from savings? no more than 6 times a month? or a year?
是transfer from savings， no more than 6 times a month，12个月中两次违规不要紧，第三次，银行需要根据Fed law close你的账户。
MM也是有这个限制。
〉saving + checking要保持多少minimum,可以free online bill/payment呢？
你有DD, 可以0 balance. ING的ACH也是dd, 也可以给自己付两个BILL 每个月。总之不是大问题。
>6次限制是指transfer from savings? no more than 6 times a month? or a year?
是transfer from savings， no more than 6 times a month，12个月中两次违规不要紧，第三次，银行需要根据Fed law close你的账户。
MM也是有这个限制。
〉saving + checking要保持多少minimum,可以free online bill/payment呢？
你有DD, 可以0 balance. ING的ACH也是dd, 也可以给自己付两个BILL 每个月。总之不是大问题。
I believe this is for online transfer only. In store (in person) should not have this limit ba?
>6次限制是指transfer from savings? no more than 6 times a month? or a year?
是transfer from savings， no more than 6 times a month，12个月中两次违规不要紧，第三次，银行需要根据Fed law close你的账户。
MM也是有这个限制。
〉saving + checking要保持多少minimum,可以free online bill/payment呢？
你有DD, 可以0 balance. ING的ACH也是dd, 也可以给自己付两个BILL 每个月。总之不是大问题。
我发现这个direct deposit,好象还有点不一样。。
e-savings 的checking ，好象没有给route number,就一个account number.回头问问。
我才在网上申请了。
>6次限制是指transfer from savings? no more than 6 times a month? or a year?
是transfer from savings， no more than 6 times a month，12个月中两次违规不要紧，第三次，银行需要根据Fed law close你的账户。
MM也是有这个限制。
〉saving + checking要保持多少minimum,可以free online bill/payment呢？
你有DD, 可以0 balance. ING的ACH也是dd, 也可以给自己付两个BILL 每个月。总之不是大问题。
我发现这个direct deposit,好象还有点不一样。。
e-savings 的checking ，好象没有给route number,就一个account number.回头问问。
我才在网上申请了。
the routing number varies according to region, there are totally 15 ABA numbers in citi.
It's better to call in or wait for your check.
For example, assuming that the purchase price of the house is $600,000. Under 80/20 scenario, your 1st mortgage and 2nd mortgage is $480K and $120K, respectively. Assuming the 1st mortgage is a 30-year fixed rate loan at 6.10% and the 2nd mortgage is a 15-year adjustable rate at prime, your monthly payments for
these two loans are approx. $2,900 and $1,160, respectively. This makes your total monthly mortgage
payments of $4,060 (of course property taxes need to be taken into consideration as well). Is that amount
feasible to you if you and your spouse reduce the 401(K) contribution temporarily to invest in a house?
谢谢美女的分析。。。
4000多差不多是一个人的税后收入了，再加上property tax,还是很紧张的。还要吃喝。 粗算property tax 每年也是一比不小的数目。
现在房市场也不是很稳定。还在跌。想趁这个机会攒攒钱。而且两年后工作地点还会有变动。所以一时不好决定。
4000多是一个人的税后收入， 那你们挣的很多呀！ 刨掉税， 401K等等还能剩4000多， 你们一个人的工资应该是10万以上了。 2个人挣20万已经是中产阶级了， 怎么可能省不下钱买房子呢？ 你们要买多少钱的房子呀？ 我觉得你们买60万的房子没问题呢？虽然现在房市不好， 但自己住总是不用管那么多的， 何况就把你们的租金省了呢。
怎么一眨眼的功夫我就掉到第3页了？
[此贴子已经被作者于2006-8-14 13:08:06编辑过]
pre-tax salary * 3 is the house you are afford. looks like you can afford 600k house with no difficulty.
pre-tax salary * 5 : 死撑
一个问题呀， 我自己没有答案。 如果买了一个房子， 600k, 5% down or 0 down, a year later, house price goes down 10%, ignore the principle paid this year, then you are owning the house upside down. what will you do? what if the house price goes down 20%? what will you do?
for the first situation, I will keep paying mortgage, 2nd situation, I am not sure...
pre-tax salary * 3 is the house you are afford. looks like you can afford 600k house with no difficulty.
pre-tax salary * 5 : 死撑
一个问题呀， 我自己没有答案。 如果买了一个房子， 600k, 5% down or 0 down, a year later, house price goes down 10%, ignore the principle paid this year, then you are owning the house upside down. what will you do? what if the house price goes down 20%? what will you do?
for the first situation, I will keep paying mortgage, 2nd situation, I am not sure...
does anyone have experience with Home equity insurance or similar price-protect insurance? Can I just buy it in bear and cancel it in bull real estate market?
到底了
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