什么是"Renttoown"，有什么要注意的
=============
Yourrentalpropertylooksverygood.Iwaswonderingifyoumight
considersellinginstead.Ifyouarewillingtoconsideraleasewith
optiontobuy,thenIshouldbeabletoofferyoufullmarketvalue.
Thisishowitwouldwork:Iwouldleasethepropertyfromyouwitha
contractinplacefor6to24monthsthatgivesmetherighttobuyat
theagreed-uponprice.Youwouldnothavetoworryab...[阅读全文]
博文
(2010-10-24 20:08:59)
(2010-10-18 15:11:45)
Whybondisaverybadinvestmentatthismoment-ZT
BondRisksandHowtoBeatThem
byJeremyJ.Siegel
Friday,September17,2010
Theop-edpieceTheGreatAmericanBondBubblethatIpublishedonAugust18inTheWallStreetJournalwithJeremySchwartz,DirectorofResearchatWisdomTreeInvestments,attractedbothattentionandcontroversy.Thatiswhatwewanted.Weclaimedthat,attoday'sprices,investorsingovernmentbondswouldregrettheir...[阅读全文]
BondRisksandHowtoBeatThem
byJeremyJ.Siegel
Friday,September17,2010
Theop-edpieceTheGreatAmericanBondBubblethatIpublishedonAugust18inTheWallStreetJournalwithJeremySchwartz,DirectorofResearchatWisdomTreeInvestments,attractedbothattentionandcontroversy.Thatiswhatwewanted.Weclaimedthat,attoday'sprices,investorsingovernmentbondswouldregrettheir...[阅读全文]
(2010-10-18 15:10:27)
出租新手的“百，十，三，一，定律”
100-10-3-1RuleforbeginnerREinvestors
ForabeginnerREinvestor,somebodyreadstonsofbook,otherstalkaboutbuyingarentalfor3years.Othersmightjumprightinandbuythefirsthousetheysee.
Allthepreparation(readingbooksandtalkingtoseasonedinvestors)isneeded.However,nothingbeatsfirst-handexperience.FortheREinvestors,first-handexperiencewouldincludeactuallylookingathous...[阅读全文]
100-10-3-1RuleforbeginnerREinvestors
ForabeginnerREinvestor,somebodyreadstonsofbook,otherstalkaboutbuyingarentalfor3years.Othersmightjumprightinandbuythefirsthousetheysee.
Allthepreparation(readingbooksandtalkingtoseasonedinvestors)isneeded.However,nothingbeatsfirst-handexperience.FortheREinvestors,first-handexperiencewouldincludeactuallylookingathous...[阅读全文]
(2010-10-18 15:08:45)
价值与价格，为什么黄金不适合用作货币
Therewasrecentlyapostaboutgoldasinvestment,andgoldasmoney.Inthatpost,theauthorclaimedthatthepriceofgoldshouldnotchangethroughouthistory.Thisnotionisbothoutdatedandimpossibletosustain.Hereisasimplyillustrationofwhy.
10yearsago,therewasnogoogle,andnoweverybodyuseit.Googlehasamarketcapof$170bil.Thiswealthhasbeencreatedoutofthinair.30yearsago,Microsoftwasin...[阅读全文]
Therewasrecentlyapostaboutgoldasinvestment,andgoldasmoney.Inthatpost,theauthorclaimedthatthepriceofgoldshouldnotchangethroughouthistory.Thisnotionisbothoutdatedandimpossibletosustain.Hereisasimplyillustrationofwhy.
10yearsago,therewasnogoogle,andnoweverybodyuseit.Googlehasamarketcapof$170bil.Thiswealthhasbeencreatedoutofthinair.30yearsago,Microsoftwasin...[阅读全文]
(2010-10-03 19:10:33)
根本问题：什么是投资？您投资的目的是什么？
Todifferentpeople,investmentmeansdifferentthings.I'veheardthatsomenewly-wedscallbuyingasetofchinaaninvestment.Sure,forherpleasure,itcouldbecalledlooselyaninvestment.Butit'snotaninvestmentinthemonetaryterm.
Foraregularperson,thegoalofinvestmentistogenerateprofitforconsumption.Sinceapersonlivesabout80years,thisfundneedstolastthatlong.It'sevenbetteri...[阅读全文]
Todifferentpeople,investmentmeansdifferentthings.I'veheardthatsomenewly-wedscallbuyingasetofchinaaninvestment.Sure,forherpleasure,itcouldbecalledlooselyaninvestment.Butit'snotaninvestmentinthemonetaryterm.
Foraregularperson,thegoalofinvestmentistogenerateprofitforconsumption.Sinceapersonlivesabout80years,thisfundneedstolastthatlong.It'sevenbetteri...[阅读全文]
(2010-09-16 13:08:16)
“房子的内在价值”，与“自住”和“投资”完全是两码事
Arecentpost"1980年7.6万买的房子,2010年27万卖掉,为什么反而亏了?"ignoredtheintrinsicvalueofahouse,whichisprovidingshelterforsomebody.Whethersuchvalueisconsumedbytheowneroratenant,it'sirrelevant.
It'sbestfortheaudienceofthisboardandtheauthortogetallthefactsright,especiallywhenpeoplecomehereexpectingtolearnathingortwoaboutinvesti...[阅读全文]
Arecentpost"1980年7.6万买的房子,2010年27万卖掉,为什么反而亏了?"ignoredtheintrinsicvalueofahouse,whichisprovidingshelterforsomebody.Whethersuchvalueisconsumedbytheowneroratenant,it'sirrelevant.
It'sbestfortheaudienceofthisboardandtheauthortogetallthefactsright,especiallywhenpeoplecomehereexpectingtolearnathingortwoaboutinvesti...[阅读全文]
(2010-07-28 11:27:24)
你的担心是对的。
===============
是的，320k,首付20%。租金1700左右/月，200/月PROPERTYTAX,50/月保险。
但是因为是新房子，我需要自己另装DECK(小的5000块左右）。自己买冰箱，洗衣机，烘干机。但是因为是新房子，这个价位好像特别好租。（自己简单在CRIAGLIST上作了一个测试。）
我的想法是自己先拿出来7.5k付首付和CLOSING,另外的贷款，PROPERTYTAX,保险争取尽量从租金里面[阅读全文]
===============
是的，320k,首付20%。租金1700左右/月，200/月PROPERTYTAX,50/月保险。
但是因为是新房子，我需要自己另装DECK(小的5000块左右）。自己买冰箱，洗衣机，烘干机。但是因为是新房子，这个价位好像特别好租。（自己简单在CRIAGLIST上作了一个测试。）
我的想法是自己先拿出来7.5k付首付和CLOSING,另外的贷款，PROPERTYTAX,保险争取尽量从租金里面[阅读全文]
(2010-07-26 16:12:32)
买此房出租，不适合
===========
我现在住的这个区是我们这里最好的学区之一。属于developed的区。已经没有地皮再建新房子。这是我们这里最后一个newconstruction,里面有singlehome和townhome.想买一个townhome出租。也期望以后房子本身能升值。看到一个endunit（2200尺，0。15acreyard）双车库很喜欢，要价320K.同一个community,新的singlefamilyhouse起价400k，但也是2200尺左右双车库(0.2acreyard)[阅读全文]
===========
我现在住的这个区是我们这里最好的学区之一。属于developed的区。已经没有地皮再建新房子。这是我们这里最后一个newconstruction,里面有singlehome和townhome.想买一个townhome出租。也期望以后房子本身能升值。看到一个endunit（2200尺，0。15acreyard）双车库很喜欢，要价320K.同一个community,新的singlefamilyhouse起价400k，但也是2200尺左右双车库(0.2acreyard)[阅读全文]
(2010-05-24 20:54:32)
在美国，抵押贷款的利息是单利。这意味着如下：
如果你借了50万，利息6％，那么你的第一个月利息为：$50万*6％/12=2500元。
不过，为了使您的贷款在30年后减到零，你需要额外的支付约500美元为本金。额外支付的本金，使您的贷款余额下降，直到360月后减少到零。
在刚开始的时候，您的余额高，这意味着你支付的利息高，本金的部分很少。但是，这并不意味着利息[阅读全文]
如果你借了50万，利息6％，那么你的第一个月利息为：$50万*6％/12=2500元。
不过，为了使您的贷款在30年后减到零，你需要额外的支付约500美元为本金。额外支付的本金，使您的贷款余额下降，直到360月后减少到零。
在刚开始的时候，您的余额高，这意味着你支付的利息高，本金的部分很少。但是，这并不意味着利息[阅读全文]
(2010-05-15 20:21:12)
ThisiscomparisonoftheconditionofanREObeforerehabandafter.Theideaistoflipitasquicklyaspossible.Sincethepurchasepriceislow,thetotalinvestmentislessthan30K.However,theareaislow-endworkingclass,andafterthetaxincentiveexpired,therehasn'tbeenanybuyeractivities.Hopetosellitduringthesummer.Appreciateeverybody'spayer.
Beforerehab,front,badroof:
Afterrehab,front,newroof:
Beforerehab,livingroom:<...[阅读全文]
