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為什麽受房租的時候收支票(check)和匯票(money order)，不收現金？
(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...[閱讀全文]
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首次購屋退稅走到盡頭，失效之前的最後探戈
(2010-04-10 14:45:02)
首次購屋退稅走到盡頭，失效之前的最後探戈
Withtheexpiration(4/30)oftaxincentivetofirst-timehome-buyercomingatusfast,allinterestedpartiesinrealestatearegearinguptoafinaldance.Sellerswanttocatchthelastbigwaveofretailhomebuyers.Buyerswanttogetthetaxincentive.Agents,well,agentsjustwantthecommissions.Andgovernmentisprobablycountingonthetransactiontaxtocoversomebudgetdeficit.Belowisjustoneexampleof...[閱讀全文]
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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...[閱讀全文]
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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...[閱讀全文]
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Toyota 工廠關閉之後， Fremont 房地產的前景
(2010-04-01 10:54:48)
Toyota工廠關閉之後，Fremont房地產的前景
NPR:NUMMIPlantClosureEndsToyota-GMVenture
JustheardfromNPRthatabigmotorplantisclosinginFremont,CA.ThisplantisajointventurebetweenGMandToyota.It'stheonlyplantwhereToyotacooperateswithanUSautomaker,andtheonlyonewheretheworkforceisunionizedamongToyotaplants.Nowtheyareclosingit,and5000peoplewillbelookingforjobs.Itobviouslywillaffectmuchmorepeople,becau...[閱讀全文]
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HOA fee in fee simple townhouse, Condo fee 都包括什麽
(2010-04-01 07:26:35)
Forfeesimplehouses,therenormallyisaHOA,andhasaHOAfee.TheHOAfeegenerallydoesn'tcoveranyserviceONyourproperty,whichincludesanymowingonyourlawn,shovelingsnowonyoursidewalk&driveway,andsoon.Itshouldincludeplowingsnowonthepublicroad,mowingandservicinggrassoncommonground.Someevenincludeserviceandpermittocommunitypool,andtenniscourt,playground.
Normallycondofeedoesn'tincludeutilities.Butthereareexcep...[閱讀全文]
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怎樣申請第一張信用卡
(2010-03-28 20:49:23)
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我在美國也消費了6年了，可是當我申請creditcard（discover）的時候總說我credit不夠，我從來不欠帳，有一個銀行的信用卡，也沒有任何拖欠。不明白為什麽，懇請大家幫我出出主意，謝謝。
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Tryyourbankfirstastheyaremorelikelytogiveyouone.Iftheydon't,gotoalocalbank.Orpenfed.org.Oryourownfederalcreditunion.
AlsotryAmericanExpress.Ifyoustillhasproblemafterallthis,mig...[閱讀全文]
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使用LLC做房產投資的好處
(2010-03-26 20:52:40)
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各位高手明示：為什麽不提倡用公司擁有房地產？
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Answer:

C-corphastopaytaxonprofit,thenshareholderspaytaxagainwhenthedividendisdistributed,thusdoubletaxation.
Entitieswithpass-throughtaxtreatmentavoidthisdoubletaxation.MostobviousisLLC.Partnershipsisnotreallyadvised,partlybecausesomebodyhastoserveasgeneralpartner.Allliabilitieslandonthegeneralpart...[閱讀全文]
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該不該停付或取消 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...[閱讀全文]
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好學區聯棟屋，值不值得投資？
(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...[閱讀全文]
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