想把我的Iphone 3gs 卖了# PDA - 掌中宝
m*U
1 楼
贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
欢迎指教，谢谢！
首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
欢迎指教，谢谢！
x*y
2 楼
from http://www.immigration-law.com/
01/12/2011: Full Text of Rep. Issa's Bill, H.R. 43, to Terminate Immigration
Lottery and Use its 55,000 Visa Numbers for New EB-2 Category for U.S. Adva
nce Degree Holders in Sciences and Medicine
This is not the first time that a bill has been introduced in the Congress t
o terminate immigration lottery program, but repeatedly defeated in the Cong
ress. As readers may appreciate it from reading of the full text of this bil
l, the scope of this bill is somewhat narrow and only limited number of U.S.
advance degree holders in sciences and medicine can be qualified. It does n
ot even cover all the STEM specialties. I suppose that in the current econom
y and unemployment environment, the sponsor's justification of this bill may
come from the argument that this bill does not add to the annual immigrant
quota, but it will have to deal with two issues. Firstly, the legislative in
tent of the immigration lottery program lies with the concept that most of i
mmigrants are coming only from a handful of countries that deprive other nat
ionalities of opportunity to immigrate to this country, and such ethnic imba
lance can be mitigated through a program that allows 55,000 people from coun
tries other than those countries, particularly Irish. For the reasons, secon
dly, this type of bill should deal with large number of countries other than
the limited number of countries that more or less take up most of the immig
rant visa quotas. It ain't going to be an easy task.
When it comes to its justification that the bill would not add additional qu
ota numbers, there has been another bill that proposed to recapture unused v
isa quota numbers. This concept also does not add to the annual numerical li
mit which is provided in the current immigration statute. Besides, this prop
osal touches a broad base of employment-based immigrant groups, not to menti
on all the STEM, non-STEM, EB-2 and EB-3. The Issa bill should fight off the
se groups of immigrant communities and their employers. What about the CIR a
dvocates? Hmm... We will just spare the words. However, this bill is a good
start to address immigration issues in the new 112th Congress. We'll see how
the fight will unfold.
01/12/2011: Full Text of Rep. Issa's Bill, H.R. 43, to Terminate Immigration
Lottery and Use its 55,000 Visa Numbers for New EB-2 Category for U.S. Adva
nce Degree Holders in Sciences and Medicine
This is not the first time that a bill has been introduced in the Congress t
o terminate immigration lottery program, but repeatedly defeated in the Cong
ress. As readers may appreciate it from reading of the full text of this bil
l, the scope of this bill is somewhat narrow and only limited number of U.S.
advance degree holders in sciences and medicine can be qualified. It does n
ot even cover all the STEM specialties. I suppose that in the current econom
y and unemployment environment, the sponsor's justification of this bill may
come from the argument that this bill does not add to the annual immigrant
quota, but it will have to deal with two issues. Firstly, the legislative in
tent of the immigration lottery program lies with the concept that most of i
mmigrants are coming only from a handful of countries that deprive other nat
ionalities of opportunity to immigrate to this country, and such ethnic imba
lance can be mitigated through a program that allows 55,000 people from coun
tries other than those countries, particularly Irish. For the reasons, secon
dly, this type of bill should deal with large number of countries other than
the limited number of countries that more or less take up most of the immig
rant visa quotas. It ain't going to be an easy task.
When it comes to its justification that the bill would not add additional qu
ota numbers, there has been another bill that proposed to recapture unused v
isa quota numbers. This concept also does not add to the annual numerical li
mit which is provided in the current immigration statute. Besides, this prop
osal touches a broad base of employment-based immigrant groups, not to menti
on all the STEM, non-STEM, EB-2 and EB-3. The Issa bill should fight off the
se groups of immigrant communities and their employers. What about the CIR a
dvocates? Hmm... We will just spare the words. However, this bill is a good
start to address immigration issues in the new 112th Congress. We'll see how
the fight will unfold.
k*g
3 楼
原来这林如海之祖，曾袭过列侯，今到如海，业经五世．起初时，只封袭三世，因当今隆恩盛德，远迈前代，额外加恩，至如海之父，又袭了一代；至如海，便从科第出身．虽系钟鼎之家，却亦是书香之族．
只可惜这林家支庶不盛，子孙有限，虽有几门，却与如海俱是堂族而已，没甚亲支嫡派的。
今如海年已四十，只有一个三岁之子，偏又于去岁死了．虽有几房姬妾，奈他命中无子，亦无可如何之事．今只有嫡妻贾氏，生得一女，侞名黛玉，年方五岁．夫妻无子，故爱如珍宝，且又见他聪明清秀，便也欲使他读书识得几个字，不过假充养子之意，聊解膝下荒凉之叹．
堂族是多少辈分的？
亲支嫡派指的林如海的什么亲戚？他的叔叔伯伯，还是他爹的叔叔伯伯之类？
林如海一死，林黛玉能继承多少财产？
还是一毛没有？
只可惜这林家支庶不盛，子孙有限，虽有几门，却与如海俱是堂族而已，没甚亲支嫡派的。
今如海年已四十，只有一个三岁之子，偏又于去岁死了．虽有几房姬妾，奈他命中无子，亦无可如何之事．今只有嫡妻贾氏，生得一女，侞名黛玉，年方五岁．夫妻无子，故爱如珍宝，且又见他聪明清秀，便也欲使他读书识得几个字，不过假充养子之意，聊解膝下荒凉之叹．
堂族是多少辈分的？
亲支嫡派指的林如海的什么亲戚？他的叔叔伯伯，还是他爹的叔叔伯伯之类？
林如海一死，林黛玉能继承多少财产？
还是一毛没有？
k*g
4 楼
16G white，非常新。因为itouch 找到了。感觉区别不大。想想2年要多付840刀.
o*8
5 楼
据说是liquidity低，说白了就是你把大把的钞票都压在一栋房子上，
没准什么时候有个其他想法（换工作，换地方，买第二套房，或者是
国内亲戚有个急用等等）却
没有钱了，看着大房子干着急，卖出去也要一段时间。
相反，如果你把钱留在账号上就没有上面的问题。
当然我的理解也可能不对，还是让高手指点吧
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
没准什么时候有个其他想法（换工作，换地方，买第二套房，或者是
国内亲戚有个急用等等）却
没有钱了，看着大房子干着急，卖出去也要一段时间。
相反，如果你把钱留在账号上就没有上面的问题。
当然我的理解也可能不对，还是让高手指点吧
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
f*y
6 楼
还有幻想呀？
这个东西过了的话也就等于EB1
你看原文第三条第二个条件
`(D) CERTAIN ALIENS OBTAINING ADVANCED DEGREES IN THE UNITED STATES-
Visas shall be made available, in a number not to exceed 55,000, to
qualified immigrants who--
`(i) are a member of a profession holding an advanced degree obtained
within the United States;
`(ii)(I) obtained such degree within the United States during the 5-year
period preceding the date on which the petition filed under section
204(a)(1)(F) for classification under this subparagraph is filed; or
`(II) has resided continuously in the United States in a lawful
nonimmigrant status since obtaining such degree; and
`(iii) whose services in the sciences or medicine--
`(I) are sought by an employer in the United States; and
`(II) will substantially benefit prospectively the national economy of
the United States.'.
Immigration
U.S. Adva
Congress t
the Cong
this bil
of U.S.
does n
econom
【在 x***y 的大作中提到】
: from http://www.immigration-law.com/
: 01/12/2011: Full Text of Rep. Issa's Bill, H.R. 43, to Terminate Immigration
: Lottery and Use its 55,000 Visa Numbers for New EB-2 Category for U.S. Adva
: nce Degree Holders in Sciences and Medicine
: This is not the first time that a bill has been introduced in the Congress t
: o terminate immigration lottery program, but repeatedly defeated in the Cong
: ress. As readers may appreciate it from reading of the full text of this bil
: l, the scope of this bill is somewhat narrow and only limited number of U.S.
: advance degree holders in sciences and medicine can be qualified. It does n
: ot even cover all the STEM specialties. I suppose that in the current econom
这个东西过了的话也就等于EB1
你看原文第三条第二个条件
`(D) CERTAIN ALIENS OBTAINING ADVANCED DEGREES IN THE UNITED STATES-
Visas shall be made available, in a number not to exceed 55,000, to
qualified immigrants who--
`(i) are a member of a profession holding an advanced degree obtained
within the United States;
`(ii)(I) obtained such degree within the United States during the 5-year
period preceding the date on which the petition filed under section
204(a)(1)(F) for classification under this subparagraph is filed; or
`(II) has resided continuously in the United States in a lawful
nonimmigrant status since obtaining such degree; and
`(iii) whose services in the sciences or medicine--
`(I) are sought by an employer in the United States; and
`(II) will substantially benefit prospectively the national economy of
the United States.'.
Immigration
U.S. Adva
Congress t
the Cong
this bil
of U.S.
does n
econom
【在 x***y 的大作中提到】
: from http://www.immigration-law.com/
: 01/12/2011: Full Text of Rep. Issa's Bill, H.R. 43, to Terminate Immigration
: Lottery and Use its 55,000 Visa Numbers for New EB-2 Category for U.S. Adva
: nce Degree Holders in Sciences and Medicine
: This is not the first time that a bill has been introduced in the Congress t
: o terminate immigration lottery program, but repeatedly defeated in the Cong
: ress. As readers may appreciate it from reading of the full text of this bil
: l, the scope of this bill is somewhat narrow and only limited number of U.S.
: advance degree holders in sciences and medicine can be qualified. It does n
: ot even cover all the STEM specialties. I suppose that in the current econom
n*x
7 楼
财产当然是要林黛玉继承的。但是继承的遗产被贾家托管了。按贾母的想法，林黛玉将
来是要进贾家们的。此外当时黛玉还太小。所以这笔财产就没有直接划给林黛玉，而是
作为未来的嫁妆由贾府接收了。这是贾母的一个很大的失算，让自己最心疼的外孙女陷
入了不利的境地。首先，林黛玉如果嫁入贾家，当然这笔财产就会分到她和宝玉的下面
。但是如果林黛玉外嫁，嫁妆就变成了贾家出，是否还能拿出当年接收的部分，就很难
说了。另外，如果贾家衰落，这笔财产多半会被预支。而如果当年直接把财产划到黛玉
名下，其他人就无法动用了。
林家的这一笔财产应该是不少的。训盐御史不是一般的职位。后来在大观园的人中，林
黛玉也是出手最阔绰的一个。
今隆恩盛德，远迈前代，额外加恩，至如海之父，又袭了一代；至如海，便从科第出身
．虽系钟鼎之家，却亦是书香之族．
派的。
子，亦无可如何之事．今只有嫡妻贾氏，生得一女，侞名黛玉，年方五岁．夫妻无子，
故爱如珍宝，且又见他聪明清秀，便也欲使他读书识得几个字，不过假充养子之意，聊
解膝下荒凉之叹．
【在 k********g 的大作中提到】
: 原来这林如海之祖，曾袭过列侯，今到如海，业经五世．起初时，只封袭三世，因当今隆恩盛德，远迈前代，额外加恩，至如海之父，又袭了一代；至如海，便从科第出身．虽系钟鼎之家，却亦是书香之族．
: 只可惜这林家支庶不盛，子孙有限，虽有几门，却与如海俱是堂族而已，没甚亲支嫡派的。
: 今如海年已四十，只有一个三岁之子，偏又于去岁死了．虽有几房姬妾，奈他命中无子，亦无可如何之事．今只有嫡妻贾氏，生得一女，侞名黛玉，年方五岁．夫妻无子，故爱如珍宝，且又见他聪明清秀，便也欲使他读书识得几个字，不过假充养子之意，聊解膝下荒凉之叹．
: 堂族是多少辈分的？
: 亲支嫡派指的林如海的什么亲戚？他的叔叔伯伯，还是他爹的叔叔伯伯之类？
: 林如海一死，林黛玉能继承多少财产？
: 还是一毛没有？
来是要进贾家们的。此外当时黛玉还太小。所以这笔财产就没有直接划给林黛玉，而是
作为未来的嫁妆由贾府接收了。这是贾母的一个很大的失算，让自己最心疼的外孙女陷
入了不利的境地。首先，林黛玉如果嫁入贾家，当然这笔财产就会分到她和宝玉的下面
。但是如果林黛玉外嫁，嫁妆就变成了贾家出，是否还能拿出当年接收的部分，就很难
说了。另外，如果贾家衰落，这笔财产多半会被预支。而如果当年直接把财产划到黛玉
名下，其他人就无法动用了。
林家的这一笔财产应该是不少的。训盐御史不是一般的职位。后来在大观园的人中，林
黛玉也是出手最阔绰的一个。
今隆恩盛德，远迈前代，额外加恩，至如海之父，又袭了一代；至如海，便从科第出身
．虽系钟鼎之家，却亦是书香之族．
派的。
子，亦无可如何之事．今只有嫡妻贾氏，生得一女，侞名黛玉，年方五岁．夫妻无子，
故爱如珍宝，且又见他聪明清秀，便也欲使他读书识得几个字，不过假充养子之意，聊
解膝下荒凉之叹．
【在 k********g 的大作中提到】
: 原来这林如海之祖，曾袭过列侯，今到如海，业经五世．起初时，只封袭三世，因当今隆恩盛德，远迈前代，额外加恩，至如海之父，又袭了一代；至如海，便从科第出身．虽系钟鼎之家，却亦是书香之族．
: 只可惜这林家支庶不盛，子孙有限，虽有几门，却与如海俱是堂族而已，没甚亲支嫡派的。
: 今如海年已四十，只有一个三岁之子，偏又于去岁死了．虽有几房姬妾，奈他命中无子，亦无可如何之事．今只有嫡妻贾氏，生得一女，侞名黛玉，年方五岁．夫妻无子，故爱如珍宝，且又见他聪明清秀，便也欲使他读书识得几个字，不过假充养子之意，聊解膝下荒凉之叹．
: 堂族是多少辈分的？
: 亲支嫡派指的林如海的什么亲戚？他的叔叔伯伯，还是他爹的叔叔伯伯之类？
: 林如海一死，林黛玉能继承多少财产？
: 还是一毛没有？
N*D
8 楼
卖吧
【在 k******g 的大作中提到】
: 16G white，非常新。因为itouch 找到了。感觉区别不大。想想2年要多付840刀.
【在 k******g 的大作中提到】
: 16G white，非常新。因为itouch 找到了。感觉区别不大。想想2年要多付840刀.
z*7
9 楼
出事了跑不了?现金可以转移,房子跑不了,假设突然来一次重大打击,需要破产清算,房子也
保不住了吧
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
保不住了吧
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
t*1
10 楼
(II) will substantially benefit prospectively the national economy of
the United States
这句话就确定EB1了？ 这个要看移民局怎么定义了。在公司里做产品开发的，和在大学
做科研的，哪个对经济贡献更大还真不好说呢。就算这个是EB1吧，EB1现在消耗14万移
民配额中的大概四万名额。就算能省下来两万，也是很好的事情。
the United States
这句话就确定EB1了？ 这个要看移民局怎么定义了。在公司里做产品开发的，和在大学
做科研的，哪个对经济贡献更大还真不好说呢。就算这个是EB1吧，EB1现在消耗14万移
民配额中的大概四万名额。就算能省下来两万，也是很好的事情。
a9
11 楼
how much?
【在 k******g 的大作中提到】
: 16G white，非常新。因为itouch 找到了。感觉区别不大。想想2年要多付840刀.
【在 k******g 的大作中提到】
: 16G white，非常新。因为itouch 找到了。感觉区别不大。想想2年要多付840刀.
m*U
12 楼
o,谢谢回复！
Q*K
13 楼
it doesn't matter
the bill won't pass
Immigration
Adva
t
Cong
bil
S.
n
econom
【在 x***y 的大作中提到】
: from http://www.immigration-law.com/
: 01/12/2011: Full Text of Rep. Issa's Bill, H.R. 43, to Terminate Immigration
: Lottery and Use its 55,000 Visa Numbers for New EB-2 Category for U.S. Adva
: nce Degree Holders in Sciences and Medicine
: This is not the first time that a bill has been introduced in the Congress t
: o terminate immigration lottery program, but repeatedly defeated in the Cong
: ress. As readers may appreciate it from reading of the full text of this bil
: l, the scope of this bill is somewhat narrow and only limited number of U.S.
: advance degree holders in sciences and medicine can be qualified. It does n
: ot even cover all the STEM specialties. I suppose that in the current econom
the bill won't pass
Immigration
Adva
t
Cong
bil
S.
n
econom
【在 x***y 的大作中提到】
: from http://www.immigration-law.com/
: 01/12/2011: Full Text of Rep. Issa's Bill, H.R. 43, to Terminate Immigration
: Lottery and Use its 55,000 Visa Numbers for New EB-2 Category for U.S. Adva
: nce Degree Holders in Sciences and Medicine
: This is not the first time that a bill has been introduced in the Congress t
: o terminate immigration lottery program, but repeatedly defeated in the Cong
: ress. As readers may appreciate it from reading of the full text of this bil
: l, the scope of this bill is somewhat narrow and only limited number of U.S.
: advance degree holders in sciences and medicine can be qualified. It does n
: ot even cover all the STEM specialties. I suppose that in the current econom
k*g
14 楼
$600+shipping
g*g
15 楼
Mortgage rate is low, you can get 30 yrs below 4% and tax dedutible.
It's not hard to get return higher than that.
In any case, you should refinance.
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
It's not hard to get return higher than that.
In any case, you should refinance.
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
T*k
16 楼
Not going to pass likely.
k*g
17 楼
你为什么这么说？ 呵呵
【在 N**D 的大作中提到】
: 卖吧
【在 N**D 的大作中提到】
: 卖吧
p*r
18 楼
There is home equity loan.
【在 o******8 的大作中提到】
: 据说是liquidity低，说白了就是你把大把的钞票都压在一栋房子上，
: 没准什么时候有个其他想法（换工作，换地方，买第二套房，或者是
: 国内亲戚有个急用等等）却
: 没有钱了，看着大房子干着急，卖出去也要一段时间。
: 相反，如果你把钱留在账号上就没有上面的问题。
: 当然我的理解也可能不对，还是让高手指点吧
【在 o******8 的大作中提到】
: 据说是liquidity低，说白了就是你把大把的钞票都压在一栋房子上，
: 没准什么时候有个其他想法（换工作，换地方，买第二套房，或者是
: 国内亲戚有个急用等等）却
: 没有钱了，看着大房子干着急，卖出去也要一段时间。
: 相反，如果你把钱留在账号上就没有上面的问题。
: 当然我的理解也可能不对，还是让高手指点吧
N*D
19 楼
iphone 有啥好的？
【在 k******g 的大作中提到】
: 你为什么这么说？ 呵呵
【在 k******g 的大作中提到】
: 你为什么这么说？ 呵呵
p*r
20 楼
It is illegal to 转移现金. However, it is legal to have homestead exemption
to protect you against lawsuit.
房子也
【在 z****7 的大作中提到】
: 出事了跑不了?现金可以转移,房子跑不了,假设突然来一次重大打击,需要破产清算,房子也
: 保不住了吧
to protect you against lawsuit.
房子也
【在 z****7 的大作中提到】
: 出事了跑不了?现金可以转移,房子跑不了,假设突然来一次重大打击,需要破产清算,房子也
: 保不住了吧
k*g
21 楼
还是很好玩的。dell PDA 玩了多年，还是iphone 更简单好用。
【在 N**D 的大作中提到】
: iphone 有啥好的？
【在 N**D 的大作中提到】
: iphone 有啥好的？
p*r
22 楼
I think it depends. Emergency cash is most important, after that...
If the house is worth $500K and you have 10 millions. I would recommend
paying off the house because it is such a small portion of your asset. If
you only have $500K, no way you want to pay off your house (i.e. you reject
a government subsidized loan and put all your money into an asset that is
very slow in appreciation.)
It is also OK to pay off the house, if you want to use the credit line to
buy a bigger house. Having a small loan on your balance sheet limits your
ability to get new loans because the lenders look at the monthly payment
rather than the total amount. So it is usually a good idea to pay off the
car loan, if you are buying a house near your borrowing limit.
Lastly, for rental investment, I believe in cashflow rather than total net
equity. The guys who have paid off rental house sleep much better in 08/09
years than the guys who are borrowing with maximal leverage. Even in normal
days, a few missed payments from your tenants can cause real headache for
the guy with maximal leverage.
【在 g*****g 的大作中提到】
: Mortgage rate is low, you can get 30 yrs below 4% and tax dedutible.
: It's not hard to get return higher than that.
: In any case, you should refinance.
If the house is worth $500K and you have 10 millions. I would recommend
paying off the house because it is such a small portion of your asset. If
you only have $500K, no way you want to pay off your house (i.e. you reject
a government subsidized loan and put all your money into an asset that is
very slow in appreciation.)
It is also OK to pay off the house, if you want to use the credit line to
buy a bigger house. Having a small loan on your balance sheet limits your
ability to get new loans because the lenders look at the monthly payment
rather than the total amount. So it is usually a good idea to pay off the
car loan, if you are buying a house near your borrowing limit.
Lastly, for rental investment, I believe in cashflow rather than total net
equity. The guys who have paid off rental house sleep much better in 08/09
years than the guys who are borrowing with maximal leverage. Even in normal
days, a few missed payments from your tenants can cause real headache for
the guy with maximal leverage.
【在 g*****g 的大作中提到】
: Mortgage rate is low, you can get 30 yrs below 4% and tax dedutible.
: It's not hard to get return higher than that.
: In any case, you should refinance.
a9
23 楼
dell pda都哪年的东西了，两者没有可比性。
【在 k******g 的大作中提到】
: 还是很好玩的。dell PDA 玩了多年，还是iphone 更简单好用。
【在 k******g 的大作中提到】
: 还是很好玩的。dell PDA 玩了多年，还是iphone 更简单好用。
p*r
24 楼
The real question is: would you buy a CD with 3-4% interest rate with your
money with big withdraw penalty (say up to 6%)? That is the same as paying
off the house.
To me, I don't really buy the argument that 能贷30年千万别贷15年. It is an
asset allocation choice. Also buy home, earthquake, flood insurance because
once you paid off the house, you are on your own.
Another risk is divorce, your wife claims you're abusing her and gets you
kicked out. you're broke, she's living in a paid off house. no money to
litigate because you lost your job. then she HELOCS the crap out of it and
spend with her new boyfriend because she hates you.:-)
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
money with big withdraw penalty (say up to 6%)? That is the same as paying
off the house.
To me, I don't really buy the argument that 能贷30年千万别贷15年. It is an
asset allocation choice. Also buy home, earthquake, flood insurance because
once you paid off the house, you are on your own.
Another risk is divorce, your wife claims you're abusing her and gets you
kicked out. you're broke, she's living in a paid off house. no money to
litigate because you lost your job. then she HELOCS the crap out of it and
spend with her new boyfriend because she hates you.:-)
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
p*t
25 楼
现在不入网貌似$500?
【在 k******g 的大作中提到】
: $600+shipping
【在 k******g 的大作中提到】
: $600+shipping
y*e
26 楼
那是broker都这么说吧，贷30年等于买两栋或者更多的房子，如果两口子都工作而且有
闲钱，为啥不早点付清
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
闲钱，为啥不早点付清
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
a9
27 楼
新的6+
【在 p****t 的大作中提到】
: 现在不入网貌似$500?
【在 p****t 的大作中提到】
: 现在不入网貌似$500?
s*n
28 楼
Money has time value. A simple sum of payments over 30 years is
meaningless.
【在 y***e 的大作中提到】
: 那是broker都这么说吧，贷30年等于买两栋或者更多的房子，如果两口子都工作而且有
: 闲钱，为啥不早点付清
meaningless.
【在 y***e 的大作中提到】
: 那是broker都这么说吧，贷30年等于买两栋或者更多的房子，如果两口子都工作而且有
: 闲钱，为啥不早点付清
k*g
29 楼
不会吧。 不然我不就买亏了。craigslist 正品也是这个价钱。
【在 p****t 的大作中提到】
: 现在不入网貌似$500?
【在 p****t 的大作中提到】
: 现在不入网貌似$500?
y*e
30 楼
按照自己的想法做就行了，钱的时间价值对于大部分人来说都没有太大意义，对于版上
的投资大牛除外
【在 s********n 的大作中提到】
: Money has time value. A simple sum of payments over 30 years is
: meaningless.
的投资大牛除外
【在 s********n 的大作中提到】
: Money has time value. A simple sum of payments over 30 years is
: meaningless.
a9
31 楼
你的是二手的啊。
【在 k******g 的大作中提到】
: 不会吧。 不然我不就买亏了。craigslist 正品也是这个价钱。
【在 k******g 的大作中提到】
: 不会吧。 不然我不就买亏了。craigslist 正品也是这个价钱。
p*t
32 楼
Debt is debt. Pay it off if you can. Even for a good investor, it's better
to have a distribution plan for your investment gains.
【在 y***e 的大作中提到】
: 按照自己的想法做就行了，钱的时间价值对于大部分人来说都没有太大意义，对于版上
: 的投资大牛除外
to have a distribution plan for your investment gains.
【在 y***e 的大作中提到】
: 按照自己的想法做就行了，钱的时间价值对于大部分人来说都没有太大意义，对于版上
: 的投资大牛除外
b*e
33 楼
脑的，非处价钱差很多
【在 a9 的大作中提到】
: 你的是二手的啊。
【在 a9 的大作中提到】
: 你的是二手的啊。
q*x
34 楼
many companies carry debt.
if you can make profit from the debt, why not carry?
【在 p***t 的大作中提到】
: Debt is debt. Pay it off if you can. Even for a good investor, it's better
: to have a distribution plan for your investment gains.
if you can make profit from the debt, why not carry?
【在 p***t 的大作中提到】
: Debt is debt. Pay it off if you can. Even for a good investor, it's better
: to have a distribution plan for your investment gains.
k*g
35 楼
我也就是unlock 以后自己玩玩。 保证没有第二个手碰过。还是很卫生的。
不要太WS。 ：）
【在 b*****e 的大作中提到】
: 脑的，非处价钱差很多
不要太WS。 ：）
【在 b*****e 的大作中提到】
: 脑的，非处价钱差很多
N*D
36 楼
难说啊。。。。卡卡
【在 k******g 的大作中提到】
: 我也就是unlock 以后自己玩玩。 保证没有第二个手碰过。还是很卫生的。
: 不要太WS。 ：）
【在 k******g 的大作中提到】
: 我也就是unlock 以后自己玩玩。 保证没有第二个手碰过。还是很卫生的。
: 不要太WS。 ：）
k*g
37 楼
年代不同了。不信也要强迫自己信。
【在 N**D 的大作中提到】
: 难说啊。。。。卡卡
【在 N**D 的大作中提到】
: 难说啊。。。。卡卡
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