nonstick
[求助]如何理财
3060
41
2006-08-12 07:07:00
按MITBBS的死撑账单算，你可以买两个房子了。
有人，撑而不死
有人，一撑就死
有人，宁死也撑
有人，死也不撑
说真的，房市进入买方市场后，政府会让他软着陆，谁知道会不会有92年的翻版呢.
所以小黑MM的观望两年论，支持ing
[此贴子已经被作者于2006-8-12 8:49:54编辑过]
小黑MM，我修改了我的帖。
taxable income 是AGI - tax deduction; 401k在计算AGI时就剪去了。
所以我误解了你税后收入的定义。
终于会使用引用了，很是得意。
估计在FAQ中有说明，所以发帖询问，也没人帮助。
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。
>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。
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.
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?
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?
that's an interesting thought. i would think bank all have to buy that kind of insurance themseleves. because under this kind of sicumstance, bank is under more risk than individual home owner.
it would be nice if this kind of insurance is available to home owners.
Home Equity insurance insures homeowners against declines
http://realtytimes.com/rtcpages/20041220_hedging.htm
Maybe the policy is expensive. it is not worth it.
I am glad that you give me a topic to talk. so I can accumulate my score. There are 10 scores to go.
i think it is more risky to the bank. because home owners can choose to default the loan. why not? why paying something more than it's current market value? that's why i think banks must buy that kind of insurance.
of course, default load has serious concequences. but if you are facing something like 100k under the water, i think many will choose to default the loan.
Maybe someone who was in 92 market can answer our question.
6 to go.
到底了
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