博文
Do not have too much asset in one LLC
(2009-11-22 11:06:13)
Theideaistonothavetoomuchasset/equityinoneLLC.Let'sconsiderfollowing:
Yourhouseiscashoffer,noloan,thenyoumightwanttolimitmaybe100KcapitalineachLLC.Ifeachhouseis100K,thenyoumightconsideroneLLCforeachhouse.
Ifyourhouseshaveloans,thenyourequityismuchless.Sayyouhave4houses,eachworthof100K,with20%down.Youessentiallyhaveonly80Kin.So,mightbeenoughtohaveonly1LLC.
www.sunskitehomes.com
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Home buyer 8K tax credit, extended and expanded
(2009-11-17 17:31:23)
Homebuyer8Ktaxcredit,extendedandexpanded



IRSFAQ,maynotbeupdated:
http://www.irs.gov/newsroom/article/0,,id=206291,00.html
WallStreetJournalcoveringnewpolicy:
http://online.wsj.com/article/SB10001424052748703808904574529512997057836.html
Hopethishelps.
www.sunskitehomes.com[閱讀全文]
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re-fi 省錢！計算是這樣的：
(2009-11-17 13:15:37)
re-fi省錢！計算是這樣的：
(Re:with15yearloanand10yearleft230Kbalanceat4.875%,doesitsaveifre-fito4.375%withzeropointzeroclosingcost)
UsingthecalculatorCaLoanAgentprivoded:
http://www.eloan.com/s/amortcalc
1.Startingamount:$309,300,rate4.875%,15year,monthly:$2,425.83,after5year:$230.0K,remainingpayment(totalfor10years):291.1K
Thisshouldbeyourcurrentsituation.291.1Kiswhatyou'llpay...[閱讀全文]
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購買出租房之前要考慮的因素：合理的租金及管理方法
(2009-11-17 08:38:27)
問：這樣的房子作出租房怎麽樣？
我看到這個房子：銀行擁有的，要價：$29,500，2臥/1廁，總麵積：967平方尺，1948年建成，應課稅值：$61,461。這家房靠近醫學院和本地大學。房子是不是太舊？它是不是一個好機會？各位覺得，值得買嗎？
答：
由於不知道具體城市和社區，大家隻能猜測。
1。市場上的合理租金是多少？如果你對這個社區不熟，那就在你聽說的數量[閱讀全文]
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a clause is ...
(2009-11-17 07:58:03)
Aclauseisbasicallysomethingaddedtothepolicy.Suchastheabilitytoconvertthetermpolicytoawholelifewithoutmedicalexamination.Therecouldbemanyclauses,butthisismostimportanttohave.
Supposetheinsuredgetabaddisease,youcann'tbuyinsuranceanymore.Butwiththisclause,youcanconvertthetermtowholelife,andwithpricingoftheoriginalhealthcondition,whichwouldbeexcellent.
Anothergoodexampleofclausesisthepossibili...[閱讀全文]
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\'right of first refusal\' means
(2009-11-16 14:03:59)
"rightoffirstrefusal"meansyouaccepttheiroffer,butwithaconditiontoleavethehouseonthemarketandcontinuetoacceptoffers.
Incaseanewoffercomesin,the1stsetofbuyershastoperformwithingaperiodoftime.Iftheydon't,thentheygiveuptheircontract.You'refreetoselltonewbuyers.
Isupposethisistoolateforyou,butyouragentshouldhaveknownthisandhelpedyoumakethebestofthesituation.
www.sunskitehomes.co...[閱讀全文]
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What is double taxation
(2009-11-16 14:02:29)
Apostasksaboutdoubletaxationoninterestpaidto401Kloans.Thereasonwastorepaytheloanandinterest,onehastouseafter-taxincome,wheretheeventualdistributionfrom401Kwillbetaxedagain.
Hmm,howaboutthis:borrow50Ktoday,tomorrowpaybackwithsame50K.Istheredoubletaxation?
Idon'tseethat.Themoneyborrowedispre-tax,youuseitfor whateverreason,it'sstillpre-tax.Whenyoupayback,you'reonly payingbackwhatyouborrow...[閱讀全文]
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投資房產, 有幾種省稅的辦法？
(2009-11-12 15:46:45)
投資房產,有幾種省稅的辦法？
Therearemanywaystosaveontaxinrealestateinvestment.HerearewhatIcanthinkabout.Hopeeverybodycouldchimeinformoreideas.
1.AllRErelatedexpensesaredeductibleagainstrentalincomeand/orcapitalgains.Theseincludemortgageinterest,points,closingcost,legalentitysetupfee,legalfee,repair,management,insurance,propertytax,othercarryingcostsuchasutilities,advertisement.Alsoincluded...[閱讀全文]
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9494, 打個比方，假設你有一米，
(2009-11-10 18:21:36)
9494,打個比方，假設你有一米，
Let'ssayit'sevenafter-tax.Afteryoubuya$500Kmid-classhouse,goonafancyvacationaroundtheworldfor50K,buyaBMW,andsomegoodfurnitureforyourhouse.You'dbeluckytohave300Kleft.Ifyouspend50Kayear,it'llbegoneafter6year.Iknowreal-lifeexampleonthis.
Butifyoubuy10housesfor100Keach,eachgenerating1K/mon,that'llbe120K/year.Andthecashflowincomeisendless.
Thisisthedifferencebe...[閱讀全文]
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文字不多，言簡意賅。投資的第一目的是現金流
(2009-11-10 18:21:14)
TraditionalChineseteaching(maybenotmuchofateaching,butjustcommon(mis-)conception)isthatmoney/assetmakesyourich.Thereissometruthinit,butnotthewholetruth.
Ibelievemostpeoplerememberbackin'86,people'ssalarywentupmuch,butinthesametime,pricewentupasmuch.Basicallyabigwaveofinflation.Whatitdidwastowipeoutmuchofthesavingssomepeoplehad.IknowpeoplehaveY10Kormorebutendedupwithnotworthmentioningafterward....[閱讀全文]
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