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为什么受房租的时候收支票(check)和汇票(money order)，不收现金？
(2010-04-15 21:14:47)
Severalpointsaboutonlyacceptingmoneyorder,notcash
1.It'shardtodemonstratehowmuchcashyouaccepted.Forexample,incaseyougotocourt,ifthetenantsaysgivingyou$1000,whileyouonlygot$500,howdoyoudemonstratethatyou'reright?Remember,thecourtonlylookatfact,soyouneedphysicalevidence,suchascopiesofcheckormoneyorder.
2.Itmakesyouacrimetarget.Ifyou'reknowtogoaroundtocollectrentatcertaintimeofmonth,itmightma...[阅读全文]
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首次购屋退税走到尽头，失效之前的最后探戈
(2010-04-10 14:45:02)
首次购屋退税走到尽头，失效之前的最后探戈
Withtheexpiration(4/30)oftaxincentivetofirst-timehome-buyercomingatusfast,allinterestedpartiesinrealestatearegearinguptoafinaldance.Sellerswanttocatchthelastbigwaveofretailhomebuyers.Buyerswanttogetthetaxincentive.Agents,well,agentsjustwantthecommissions.Andgovernmentisprobablycountingonthetransactiontaxtocoversomebudgetdeficit.Belowisjustoneexampleof...[阅读全文]
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Term life strongly recommended, reasons are inside
(2010-04-05 20:58:33)
Stronglyrecommended
Yearsago,Ispentmuchtimeresearchingthistopic,andtheconclusionIgotisfollowing:buytermlifefirst,getconversionclause,maybebuywholelifelater.Thereasonfollows.
Youcouldgettermlifereallycheap,like$25/monfor0.5milcoverage.Ifyoudon'thavekid,youcouldmakeyourparents(~75%)aswellasyourhubby(25%)asbeneficiary.Likewiseforyourhubby.Afteryouhavekid,graduallyshifttheportionofbeneficiar...[阅读全文]
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A word about short sale and foreclosure
(2010-04-02 22:02:14)
Awordaboutshortsaleandforeclosure:
Itdoesn'tnecessarilymeanagoodsimplybecauseit'sashortsaleorforeclosure.Youreallyhavetoanalyzethedeal.Seeifithaveanyprofitcenter:eitherrentalorappreciation,orboth.
Itseemstomewhatyouneedmostissomebodylocal,eitheranagentwhoisalsoaninvestor,oralocalinvestorwhodoesn'tmindtoshowyouhowthingsgo.Onceyoufindapersonlikethat,it'sgoingtobemucheasier.Butitwon'tbeeasyto...[阅读全文]
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Toyota 工厂关闭之后， Fremont 房地产的前景
(2010-04-01 10:54:48)
Toyota工厂关闭之后，Fremont房地产的前景
NPR:NUMMIPlantClosureEndsToyota-GMVenture
JustheardfromNPRthatabigmotorplantisclosinginFremont,CA.ThisplantisajointventurebetweenGMandToyota.It'stheonlyplantwhereToyotacooperateswithanUSautomaker,andtheonlyonewheretheworkforceisunionizedamongToyotaplants.Nowtheyareclosingit,and5000peoplewillbelookingforjobs.Itobviouslywillaffectmuchmorepeople,becau...[阅读全文]
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HOA fee in fee simple townhouse, Condo fee 都包括什么
(2010-04-01 07:26:35)
Forfeesimplehouses,therenormallyisaHOA,andhasaHOAfee.TheHOAfeegenerallydoesn'tcoveranyserviceONyourproperty,whichincludesanymowingonyourlawn,shovelingsnowonyoursidewalk&driveway,andsoon.Itshouldincludeplowingsnowonthepublicroad,mowingandservicinggrassoncommonground.Someevenincludeserviceandpermittocommunitypool,andtenniscourt,playground.
Normallycondofeedoesn'tincludeutilities.Butthereareexcep...[阅读全文]
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怎样申请第一张信用卡
(2010-03-28 20:49:23)
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我在美国也消费了6年了，可是当我申请creditcard（discover）的时候总说我credit不够，我从来不欠帐，有一个银行的信用卡，也没有任何拖欠。不明白为什么，恳请大家帮我出出主意，谢谢。
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Tryyourbankfirstastheyaremorelikelytogiveyouone.Iftheydon't,gotoalocalbank.Orpenfed.org.Oryourownfederalcreditunion.
AlsotryAmericanExpress.Ifyoustillhasproblemafterallthis,mig...[阅读全文]
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使用LLC做房产投资的好处
(2010-03-26 20:52:40)
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各位高手明示：为什么不提倡用公司拥有房地产？
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Answer:

C-corphastopaytaxonprofit,thenshareholderspaytaxagainwhenthedividendisdistributed,thusdoubletaxation.
Entitieswithpass-throughtaxtreatmentavoidthisdoubletaxation.MostobviousisLLC.Partnershipsisnotreallyadvised,partlybecausesomebodyhastoserveasgeneralpartner.Allliabilitieslandonthegeneralpart...[阅读全文]
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该不该停付或取消 VUL?
(2010-03-25 10:43:29)
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Pleaseadvise:ShouldIcontinuebuyingVariableLifeInsurance?
Monthlypayment$250since2004,fora$500K.ShouldIstopitorcontinue?Thanksforanycomments.
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Inthissituation,youprobablywanttoclarifythecurrentsituationfirst(evenforyourself),thenthinkaboutwhatcouldbedonetorectifyit(includingkeepingit).
So,you'vehadthisfor5years.Howmuchhaveyouputin,intotal?Whatisthecurrentc...[阅读全文]
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好学区联栋屋，值不值得投资？
(2010-03-21 18:12:58)
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Canexpertstellmeifthisisapoisonousasset? HOA$460/mo
TownHousebuilt1987
goodschools
Price$300k($500kin2006)
Rent$2300/mo
Tax$520/mo
Insurance$100/mo
Pleasehelp!
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What'syourexitstrategy?Profitcenter?
WithHOAashighas460/mon,yourmonthlyrentisessentially1850.Andyourtaxisquithighat520/month.Thereisbasicallynotcashflowtot...[阅读全文]
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