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Cananybodytellmethattheappraisalprocesscanhelpmefrombeingpayingtoomuchforpurchasingahouse?
Thehomepriceappearedto40,000USDhigherthanthezestimatedvalueand2009taxyearestimatedvalue.
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zillow.comisagoodstarttofinemarketprice,notfinal.Theypullthedatafrommanyplaces,includingtaxassessment,recordeddeed,MLSsellingprice,thendoamodeltofindouttheprice.Thebestwaytofindo...[閱讀全文]
博文
(2010-03-17 21:20:46)
(2010-03-16 16:00:20)
401K，traditionalIRA,RothIRA是三個不同的instrument，對嗎？我現在收入不高，稅率不高，是否現在存RothIRA，現在交稅，比以後交稅要劃算呢？
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401K:Onlycompaniescandothat,youcontributeapercentageofsalary,theyhavesomemutualfundtobuy.Traditional401kistaxdeductible,butpaytaxwhenyouwithdrawafterretire.ThereisanRothoption,meaningpayingtaxwhenyoucontribute,buttax-freewhenyouwithdraw.Annuall...[閱讀全文]
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401K:Onlycompaniescandothat,youcontributeapercentageofsalary,theyhavesomemutualfundtobuy.Traditional401kistaxdeductible,butpaytaxwhenyouwithdrawafterretire.ThereisanRothoption,meaningpayingtaxwhenyoucontribute,buttax-freewhenyouwithdraw.Annuall...[閱讀全文]
(2010-03-15 20:20:06)
1。公司關於401K的規定是“cantakeloansfromyouraccountandmakein-servicewithdrawalsuponindurringafinancialhardship"是不是說我能從自己的退休帳戶裏提前借錢出來用來買房什麽的？是不是經濟困難時可以提請取不用交10%罰款？
Mostlyyes.Bestnottotouchthosemoney.
2。“accountbalancepayableatretirementorterminationofemployment"我不在這公司幹了就能拿到balance了？還是說到時可以讓我轉到自己的IRA賬...[閱讀全文]
Mostlyyes.Bestnottotouchthosemoney.
2。“accountbalancepayableatretirementorterminationofemployment"我不在這公司幹了就能拿到balance了？還是說到時可以讓我轉到自己的IRA賬...[閱讀全文]
(2010-03-07 10:42:04)
想買IRA，請問去銀行買，還是去證券公司買比較合適？
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...[閱讀全文]
2.Ifyouwanttodostock,mutualfund,it'sprobablybetterthroughabrokerage,likescottrace,e-trade,andmanyothers.
3.Ifyouwanttodoothertypesofinvestment,likerental,business,businessloan,mortgage,andmanyothers,it'sonlypossiblethroughsomespecialcustodiancompanies.
So,whatdoyo...[閱讀全文]
(2010-02-13 06:58:13)
成立個LLC，買投資房(LLC=limitedliabilitycompany)
ThemainideatouseLLCistoisolateliability.Supposethatyouhavesomebusiness,andthereissomejudgmentagainstit,allthecreditorcangetiswhat'sintheLLC,providedthatyoukeeptheLLCwellorganized.
Theideaistoisolateliability,soyouwanttohaveenoughassetin eachLLC,butnottoomuch.EachLLChassomecostassociatedwithit likeincorporation,mainten...[閱讀全文]
ThemainideatouseLLCistoisolateliability.Supposethatyouhavesomebusiness,andthereissomejudgmentagainstit,allthecreditorcangetiswhat'sintheLLC,providedthatyoukeeptheLLCwellorganized.
Theideaistoisolateliability,soyouwanttohaveenoughassetin eachLLC,butnottoomuch.EachLLChassomecostassociatedwithit likeincorporation,mainten...[閱讀全文]
(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...[閱讀全文]
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...[閱讀全文]
(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
賣8萬5000，估計租出去1100/mo。condofee包熱水，草地，鏟雪等等。自己付其他的水電煤。
這...[閱讀全文]
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
賣8萬5000，估計租出去1100/mo。condofee包熱水，草地，鏟雪等等。自己付其他的水電煤。
這...[閱讀全文]
(2010-02-11 10:18:26)
怎麽樣的經紀人/經理是麵向投資方的
Thisboard(投資理財)recentlyhadalivelydiscussionaboutwhatkindofRealtorisgoodforhomebuyers.I'dliketostartadiscussionaboutwhatkindofRealtorisgoodforinvestors.I'llstartwithmyownexperienceandhopepeoplecanchipinformorestories,whichisprobablymuchbetterthangoingtoaREinvestmentbootcamp.
Severalyearsago,IwasplayingCashFlow101game,andthinkingaboutinvestinginrental....[閱讀全文]
Thisboard(投資理財)recentlyhadalivelydiscussionaboutwhatkindofRealtorisgoodforhomebuyers.I'dliketostartadiscussionaboutwhatkindofRealtorisgoodforinvestors.I'llstartwithmyownexperienceandhopepeoplecanchipinformorestories,whichisprobablymuchbetterthangoingtoaREinvestmentbootcamp.
Severalyearsago,IwasplayingCashFlow101game,andthinkingaboutinvestinginrental....[閱讀全文]
(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...[閱讀全文]
WenttoseeatownhousetodayinNYandtalkedtotheseller'sagent.Heisawhiteguyandhetoldmenot tofindabuyer'sagentbecausethebuyer'sagentworksfortheseller tooalthoughtheyclaimtoworkforthebuyer.Whatdidhemean?He wantstobeadualagent?CanItrusthim?Thehouseisinanice neighborhoodbutitneedsalotofworkonthekitchenandbathroom.In addition,thebasementisunfinished.WillIhaveabetterchancetoget thehous...[閱讀全文]
(2009-12-01 08:00:44)
Reallifestoryofjudicialforeclosureauction,andwhyitcouldbeagooddealforhomebuyers
Hopeitillustrateshowthejudicialprocessworks.Lookingforwardtoseeingareallifenon-judicialstory.
Wefellinlovewithahouse,whichcosts~750Kbackinmid-late2006.Wevisitedthehouseonseveraloccasions,firstduringopenhouse,thenwithaRealtor.Aspriced,it'swaybeyondourpricerange,orcomfortablepricerange.Sowejustkeptaneyeonit.閱讀全文]
Hopeitillustrateshowthejudicialprocessworks.Lookingforwardtoseeingareallifenon-judicialstory.
Wefellinlovewithahouse,whichcosts~750Kbackinmid-late2006.Wevisitedthehouseonseveraloccasions,firstduringopenhouse,thenwithaRealtor.Aspriced,it'swaybeyondourpricerange,orcomfortablepricerange.Sowejustkeptaneyeonit.
