e**e
发帖数: 993 | 1 7"PEHK: edge (1_T5HK), PEGx: Working
1j Lb: Re: 6`IY
7"PEU>: Unknown Space - N4C{?U
assume your house has been paid off, you are 65, and you will die at 85,
your monthly expense is $2000/person now, inflation rate is 5%/year, you
do not invest your cash, then you need at least $793,583 if you retire
now.
!> TZ fanrf (horsebear) 5D4sWwVPLa5=: !? | r*f
发帖数: 731 | 2 do u need 2000$/person/month?
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: 7"PEHK: edge (1_T5HK), PEGx: Working
: 1j Lb: Re: 6`IY
: 7"PEU>: Unknown Space - N4C{?U: assume your house has been paid off, you are 65, and you will die at 85,
: your monthly expense is $2000/person now, inflation rate is 5%/year, you
: do not invest your cash, then you need at least $793,583 if you retire
: now.
: !> TZ fanrf (horsebear) 5D4sWwVPLa5=: !?
| e**e
发帖数: 993 | 3 medical insurance+car insurance probably costs $500/month for old people
food costs me $500/month now for one person, so i assume that'll be the
same
the rest $1000/month will be all other expense, utility, handyman/house
helper service, movie/concert, travel, etc.
i forgot another constraint. one has to be able to take care of him/herself
until he/she dies.
【在 r*f 的大作中提到】
: do u need 2000$/person/month?
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| r*f
发帖数: 731 | 4 5555, i can't live leh. my salary is so low.
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: medical insurance+car insurance probably costs $500/month for old people
: food costs me $500/month now for one person, so i assume that'll be the
: same
: the rest $1000/month will be all other expense, utility, handyman/house
: helper service, movie/concert, travel, etc.
: i forgot another constraint. one has to be able to take care of him/herself
: until he/she dies.
| e**e
发帖数: 993 | 5 binbin, you can sell your mansion and move into a townhouse or even
rent an apartment after you retire
【在 r*f 的大作中提到】
: 5555, i can't live leh. my salary is so low.
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| r*f
发帖数: 731 | 6 my mansion doesn't worth that much ...
him/herself
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: binbin, you can sell your mansion and move into a townhouse or even
: rent an apartment after you retire
| e**e
发帖数: 993 | 7 it will, if the house market keeps on appreciate 10%/year
【在 r*f 的大作中提到】
: my mansion doesn't worth that much ...
:
: him/herself
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| r*f
发帖数: 731 | 8 then why don't u buy a mansion?
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: it will, if the house market keeps on appreciate 10%/year
| e**e
发帖数: 993 | 9 too unlucky to find one yah
we only have five major criterion:
1. not too noisy (1/4 mile away from freeway, not on or within 1/10 mile
to major road (for example, sepulveda))
2. not too dark (can read books in at least one of the first floor rooms
without turning on light on a bright sunshine day)
3. foundation is not too unlevel
4. less than or equal to 20 years old
5. (most important) within our price range
two of such houses sold in Feb, before we started looking; one sold in
march, we
【在 r*f 的大作中提到】
: then why don't u buy a mansion?
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| r*f
发帖数: 731 | 10 maybe u can find one on the coming weekend!
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: too unlucky to find one yah
: we only have five major criterion:
: 1. not too noisy (1/4 mile away from freeway, not on or within 1/10 mile
: to major road (for example, sepulveda))
: 2. not too dark (can read books in at least one of the first floor rooms
: without turning on light on a bright sunshine day)
: 3. foundation is not too unlevel
: 4. less than or equal to 20 years old
: 5. (most important) within our price range
: two of such houses sold in Feb, before we started looking; one sold in
| | | e**e
发帖数: 993 | 11 //pray
oh, we also don't like a house if it's lu chong or at the intersection
of two not small streets because we feel it's not safe, what if a car
cannot break in time?
we don't like houses near high-tension power line either since a report
says children live around high-tension power line are more likely to get
leukemia
these two kinds of house are not many anyway
hope you won't say we're picky again
【在 r*f 的大作中提到】
: maybe u can find one on the coming weekend!
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| r*f
发帖数: 731 | 12 there r many power lines in front of my house :(
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: //pray
: oh, we also don't like a house if it's lu chong or at the intersection
: of two not small streets because we feel it's not safe, what if a car
: cannot break in time?
: we don't like houses near high-tension power line either since a report
: says children live around high-tension power line are more likely to get
: leukemia
: these two kinds of house are not many anyway
: hope you won't say we're picky again
| e**e
发帖数: 993 | 13 high-tension power line like this?
http://www.midtod.com/9603/voltage.phtml
regular power line does not mater
【在 r*f 的大作中提到】
: there r many power lines in front of my house :(
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| r*f
发帖数: 731 | 14 no, just regular power lines which provide power to the house.
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: high-tension power line like this?
: http://www.midtod.com/9603/voltage.phtml
: regular power line does not mater
| e**e
发帖数: 993 | 15 anyhow, i won't sacrifice safety even if you say we're picky. :P
【在 r*f 的大作中提到】
: no, just regular power lines which provide power to the house.
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| r*f
发帖数: 731 | 16 safety is important.
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: anyhow, i won't sacrifice safety even if you say we're picky. :P
| e**e
发帖数: 993 | 17 sigh, one house sold in Feb is really a pity. i've seen it for a month,
in that time, we were busy to get pre-qualified for loan and interview
agent. we started looking on March 6, the seller of the house accepted
an offer on March 5. :(
the sold price is $30k lower than the asking price according to our agent.
【在 e**e 的大作中提到】
: too unlucky to find one yah
: we only have five major criterion:
: 1. not too noisy (1/4 mile away from freeway, not on or within 1/10 mile
: to major road (for example, sepulveda))
: 2. not too dark (can read books in at least one of the first floor rooms
: without turning on light on a bright sunshine day)
: 3. foundation is not too unlevel
: 4. less than or equal to 20 years old
: 5. (most important) within our price range
: two of such houses sold in Feb, before we started looking; one sold in
| r*f
发帖数: 731 | 18 don't pity lah. but in housing market, there is really no "obvious" deals.
G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
【在 e**e 的大作中提到】
: sigh, one house sold in Feb is really a pity. i've seen it for a month,
: in that time, we were busy to get pre-qualified for loan and interview
: agent. we started looking on March 6, the seller of the house accepted
: an offer on March 5. :(
: the sold price is $30k lower than the asking price according to our agent.
| e**e
发帖数: 993 | 19 don't you think if the seller waited one more day, he/she might have
accepted our full price offer?
we're not looking for deal, but looking for a house that meets the five
major criterion. we don't mind if we over pay several percent more than
the house's real market value
【在 r*f 的大作中提到】
: don't pity lah. but in housing market, there is really no "obvious" deals.
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| e**e
发帖数: 993 | 20
nod
that's why i say if we see a house meets all five conditions, we'll offer
full asking price.
that house sold for $30k less than asking price, another house also meets
our five condistions sold for $15k less than asking price. in either case,
if we've seen the house earlier enough, we might have got the house because
our offer would be higher
【在 r*f 的大作中提到】
: don't pity lah. but in housing market, there is really no "obvious" deals.
:
: G.2E9;MKP]#?G0A=LlR;8vEsSQK5#,S&8C0Q401K4fBz#,RrN*MKP]PhR*20YMrC@=p--Ub@o!#
: TZ11>)DX#?NRM,Q'K5#,OVTZPhR*SP100MrC@=p#,2ED\TZ11>);n5C;9PP!#!#!#!#!#LlDD#:)
| | | r*f
发帖数: 731 | 21 那就再耐心点看,今年没有合适的明年再买...
【在 e**e 的大作中提到】
: don't you think if the seller waited one more day, he/she might have
: accepted our full price offer?
: we're not looking for deal, but looking for a house that meets the five
: major criterion. we don't mind if we over pay several percent more than
: the house's real market value
| e**e
发帖数: 993 | 22 nod
【在 r*f 的大作中提到】
: 那就再耐心点看,今年没有合适的明年再买...
| r*f
发帖数: 731 | 23 那他们asking price比marketing value高还是不高?
【在 e**e 的大作中提到】
: nod
| e**e
发帖数: 993 | 24 one is higher (the one sold one day before we started looking), one is
about right, i think, judged from how long they've been on market.
i think if a house is priced right, it usually will be sold within a
month. the longer it stays on market, indicates the higher it is
priced. correct me if i'm wrong.
【在 r*f 的大作中提到】
: 那他们asking price比marketing value高还是不高?
| r*f
发帖数: 731 | 25 u r correct...
【在 e**e 的大作中提到】
: one is higher (the one sold one day before we started looking), one is
: about right, i think, judged from how long they've been on market.
: i think if a house is priced right, it usually will be sold within a
: month. the longer it stays on market, indicates the higher it is
: priced. correct me if i'm wrong.
|
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