博文
zillow is a good start, not final
(2010-03-17 21:20:46)
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Cananybodytellmethattheappraisalprocesscanhelpmefrombeingpayingtoomuchforpurchasingahouse?
Thehomepriceappearedto40,000USDhigherthanthezestimatedvalueand2009taxyearestimatedvalue.
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zillow.comisagoodstarttofinemarketprice,notfinal.Theypullthedatafrommanyplaces,includingtaxassessment,recordeddeed,MLSsellingprice,thendoamodeltofindouttheprice.Thebestwaytofindo...[阅读全文]
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401K，traditional IRA, Roth IRA
(2010-03-16 16:00:20)
401K，traditionalIRA,RothIRA是三个不同的instrument，对吗？我现在收入不高，税率不高，是否现在存RothIRA，现在交税，比以后交税要划算呢？
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401K:Onlycompaniescandothat,youcontributeapercentageofsalary,theyhavesomemutualfundtobuy.Traditional401kistaxdeductible,butpaytaxwhenyouwithdrawafterretire.ThereisanRothoption,meaningpayingtaxwhenyoucontribute,buttax-freewhenyouwithdraw.Annuall...[阅读全文]
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401K 问题解答
(2010-03-15 20:20:06)
1。公司关于401K的规定是“cantakeloansfromyouraccountandmakein-servicewithdrawalsuponindurringafinancialhardship"是不是说我能从自己的退休帐户里提前借钱出来用来买房什么的？是不是经济困难时可以提请取不用交10%罚款？
Mostlyyes.Bestnottotouchthosemoney.
2。“accountbalancepayableatretirementorterminationofemployment"我不在这公司干了就能拿到balance了？还是说到时可以让我转到自己的IRA账...[阅读全文]
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回复：想买IRA，What do you want to do with it?
(2010-03-07 10:42:04)
想买IRA，请问去银行买，还是去证券公司买比较合适？ 1.IfyouwanttoholdCD,moneymarketfund,it'sprobablybettertogothroughbank.
2.Ifyouwanttodostock,mutualfund,it'sprobablybetterthroughabrokerage,likescottrace,e-trade,andmanyothers.
3.Ifyouwanttodoothertypesofinvestment,likerental,business,businessloan,mortgage,andmanyothers,it'sonlypossiblethroughsomespecialcustodiancompanies.
So,whatdoyo...[阅读全文]
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成立个LLC，买投资房 (LLC = limited liability company)
(2010-02-13 06:58:13)
成立个LLC，买投资房(LLC=limitedliabilitycompany)


ThemainideatouseLLCistoisolateliability.Supposethatyouhavesomebusiness,andthereissomejudgmentagainstit,allthecreditorcangetiswhat'sintheLLC,providedthatyoukeeptheLLCwellorganized.


Theideaistoisolateliability,soyouwanttohaveenoughassetin eachLLC,butnottoomuch.EachLLChassomecostassociatedwithit likeincorporation,mainten...[阅读全文]
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高等, 中等, 低等地主的区分. More w/ tenants than landlord
(2010-02-11 10:29:44)
高等地主：$3000/mon
中等地主：$1000/mon
低等地主：$500/mon
Thisprobablyrefersmoretotenantsthanlandlord.
Forrentashighas$3000/mon,thehousewouldbeminimum3bedroom,2bath,2storieswithbasement.Idoubtthatanybodycangetpositivecashflowifit's100%financed.Whatyou'relookingforisfutureappreciationthancurrentcashflow.Thetenantswillbeofficedwellers.Mayevenbedoctors,diplomats.Thetenantsshouldhav...[阅读全文]
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Either condo or SFH has 2 ways of making money
(2010-02-11 10:24:34)
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Address:132BCherryParke,SuiteBType:ResidentialStyle:Bedrooms:2Bathrooms:1LotType:RectangularTaxes:$2,158.00(2008)CondoFees:$374.00MLS®:5609912
http://www.jessicawenstrom.com/Listing/ViewListingDetails.aspx?ListingID=9736720&Bb=YC&Cc=9736720
卖8万5000，估计租出去1100/mo。condofee包热水，草地，铲雪等等。自己付其他的水电煤。
这...[阅读全文]
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怎么样的经纪人/经理是面向投资方的
(2010-02-11 10:18:26)
怎么样的经纪人/经理是面向投资方的
Thisboard(投资理财)recentlyhadalivelydiscussionaboutwhatkindofRealtorisgoodforhomebuyers.I'dliketostartadiscussionaboutwhatkindofRealtorisgoodforinvestors.I'llstartwithmyownexperienceandhopepeoplecanchipinformorestories,whichisprobablymuchbetterthangoingtoaREinvestmentbootcamp.
Severalyearsago,IwasplayingCashFlow101game,andthinkingaboutinvestinginrental....[阅读全文]
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good questions about buyer agent
(2009-12-22 18:40:01)
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WenttoseeatownhousetodayinNYandtalkedtotheseller'sagent.Heisawhiteguyandhetoldmenot tofindabuyer'sagentbecausethebuyer'sagentworksfortheseller tooalthoughtheyclaimtoworkforthebuyer.Whatdidhemean?He wantstobeadualagent?CanItrusthim?Thehouseisinanice neighborhoodbutitneedsalotofworkonthekitchenandbathroom.In addition,thebasementisunfinished.WillIhaveabetterchancetoget thehous...[阅读全文]
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Judicial 法拍屋真实经验
(2009-12-01 08:00:44)
Reallifestoryofjudicialforeclosureauction,andwhyitcouldbeagooddealforhomebuyers
Hopeitillustrateshowthejudicialprocessworks.Lookingforwardtoseeingareallifenon-judicialstory.
Wefellinlovewithahouse,whichcosts~750Kbackinmid-late2006.Wevisitedthehouseonseveraloccasions,firstduringopenhouse,thenwithaRealtor.Aspriced,it'swaybeyondourpricerange,orcomfortablepricerange.Sowejustkeptaneyeonit.阅读全文]
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