我人在SFBAYAREA,在這家租了將近三年,房租比市價大概低了有200.房東太太的女兒要回BA工作,所以收了回去.
老大在念私校,所以租房的學區不是一個CONCERN.老二還在PRE ＳＣＨＯＯＬ， 無論如何都要念私立的．手上倒是也有DOWNPAY買房子的錢.也實在厭煩了搬家， 本以為可以住到買自己的房子， 半路出了這碼子事．
離搬出去還有兩個月，按理也可以買得到房子． 可是[閱讀全文]
梧桐窗下的日記
梧軒桐影, 浮生若夢
博文
(2009-01-19 13:06:37)
(2008-12-24 00:21:20)
假如你買了100萬的房子， 首期隻有５Ｗ， 借了９５Ｗ．
WhenARMisreset,howeverthemarketisdown,say20%.Nowyourhouseisonlyworth80W.Thebankonlywantstolendout80%ofthehousevalue,thatis64W.unlessyoupaythe31Wdifferenceindownpay,it\'sveryhardtogetarefi.
IthinkthiscouldbeapotentialbigproblemfortheCaliforniaBayArea,becausemanypeoplearealreadymaxedoutwhentheypaythedownpay,andthehugehousepriceasksalotofc...[閱讀全文]
WhenARMisreset,howeverthemarketisdown,say20%.Nowyourhouseisonlyworth80W.Thebankonlywantstolendout80%ofthehousevalue,thatis64W.unlessyoupaythe31Wdifferenceindownpay,it\'sveryhardtogetarefi.
IthinkthiscouldbeapotentialbigproblemfortheCaliforniaBayArea,becausemanypeoplearealreadymaxedoutwhentheypaythedownpay,andthehugehousepriceasksalotofc...[閱讀全文]
(2007-02-19 12:00:25)
Iamsittinginmycubic,thegoodthingofthatoneisithasawindowfacingthestreet.Everyday,Iseepeoplemovingaround,inwhatevermanner:fast,slow,hurry,relaxed.Iamdoingsomegoodthingsthesedays:afterworkinginonegroupatonecompanyforcloseto7years,Istartedtoreadsometechnicalbooks.Sigh,forgetitamoment.Ihaveaheadache.
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[閱讀全文]
(2007-02-01 16:29:33)
Todayit’salmostthefirstdaythatIcamebackfromlongmaternityleaveandvacation.Well,Ihavetosayit’snotagoodday.Ifeelsosad.Ialmostalwayshavetofacearealitycheckandacheckthatmakesmefeelsobadaboutmyself.Ifeelsomuchlikealoser,notgoodonanything.Itseemsthatmycareerisabigbadmess,thatmyfinancialstatusisabigbadmess,althoughIcanreallyenjoymytwoboys,andtheyseemtobetheonlythingsenjoyableinmylife.Howcome?Ineverclaim...[閱讀全文]
(2007-01-20 22:57:21)
西方有句諺語“Becarefulofyourwish,youmaygetit”.懷孕前在lab工作,同事James是個老美.每天盯著示波器,不停地換主板,換芯片,換probe,心中期盼波形閃爍,口中念念有詞:Work,pleasework!這時候,James總是說這句話.我偶爾會回一句,“Ireallywantit!”他會莞爾一笑,“Well,becareful!”這次懷孕生老二,對這句話深有感觸.大約3周孕期的時候,極度饞甜食.一日飯後,打開糖果盒,從琳琅滿目的巧克力中挑一塊最[閱讀全文]
(2006-12-31 20:52:57)
高中時候,窗前的梧桐樹正是旺盛.春天有新牙,也有毛毛蟲,夏天卻是亭亭如蓋,遮得住炎炎烈日.暑假的時候,每天午睡醒來,就半躺在汗煮得發黃的藤椅上,讀.那樣的日子,現在想來,真是一生中的快樂時光.
高中三年,日記整整寫了三年.大學四年,也寫了一些.念研究生時候,開始斷斷續續.及至出國,便徹底斷了.今天寫新年願望，索性就注冊了博客．想起少年時代的日記，就取名叫梧軒[閱讀全文]
高中三年,日記整整寫了三年.大學四年,也寫了一些.念研究生時候,開始斷斷續續.及至出國,便徹底斷了.今天寫新年願望，索性就注冊了博客．想起少年時代的日記，就取名叫梧軒[閱讀全文]
