h*******e
发帖数: 441 | 1 回帖的话，水太大，淹了。
但是他的帖子中，对新泽西的看法，和很多事实，错的离谱。随便说几个，看房的网站
，njmls只适合北部，Bergen 的，中部，是gsmls.
北edison居然他的评分比millburn/shorthills, 我公司的ceo情以何堪啊。
买房的cost不算，这点，他不知道，还是存心不说，纽约永远做不了no cost
refinance. |
a*o
发帖数: 25262 | 2 the last sentence is very true.. mortgage tax..hehe..
【在 h*******e 的大作中提到】
: 回帖的话，水太大，淹了。
: 但是他的帖子中，对新泽西的看法，和很多事实，错的离谱。随便说几个，看房的网站
: ，njmls只适合北部，Bergen 的，中部，是gsmls.
: 北edison居然他的评分比millburn/shorthills, 我公司的ceo情以何堪啊。
: 买房的cost不算，这点，他不知道，还是存心不说，纽约永远做不了no cost
: refinance.
|
i*****g
发帖数: 2564 | 3 His overriding principle was easy commute to Flushing - which I can
understand for folks with parents and/or in-laws that live with them.
There many other factors that his buying guide did not consider.
1- Water/Air quality (Water quality is one big negative on NJ)
2 - Age & condition of the house - not easy to find a real good house in GN
for under $1M (many have roof damage from the hail storm last year that are
not fix yet) - Not all home inspector will be willing to go to the roof and
look it - so you better get a good one.
3 - Flood zone - many of the GN house are slope down
4 - Sidewalk - many street in GN (same for many upstate & NJ towns) do not
have sidewalks, which can be a pain during Winter.
The list can go on and on. However, These are all personal preference.
As someone else had mentioned before, for average joes like us, we learn to
compromise.
【在 h*******e 的大作中提到】
: 回帖的话，水太大，淹了。
: 但是他的帖子中，对新泽西的看法，和很多事实，错的离谱。随便说几个，看房的网站
: ，njmls只适合北部，Bergen 的，中部，是gsmls.
: 北edison居然他的评分比millburn/shorthills, 我公司的ceo情以何堪啊。
: 买房的cost不算，这点，他不知道，还是存心不说，纽约永远做不了no cost
: refinance.
|
s*********e
发帖数: 4475 | 4 也难怪， 老一代的华人一听说新泽西就冒出edison, 哪里知道
edison早就成印度城了。
GN
are
and
【在 i*****g 的大作中提到】
: His overriding principle was easy commute to Flushing - which I can
: understand for folks with parents and/or in-laws that live with them.
: There many other factors that his buying guide did not consider.
: 1- Water/Air quality (Water quality is one big negative on NJ)
: 2 - Age & condition of the house - not easy to find a real good house in GN
: for under $1M (many have roof damage from the hail storm last year that are
: not fix yet) - Not all home inspector will be willing to go to the roof and
: look it - so you better get a good one.
: 3 - Flood zone - many of the GN house are slope down
: 4 - Sidewalk - many street in GN (same for many upstate & NJ towns) do not
|
w********c
发帖数: 2632 | 5 isn't loan modification supposed to work around it?
【在 a*o 的大作中提到】
: the last sentence is very true.. mortgage tax..hehe..
|
h******b
发帖数: 6055 | 6 北edison分高是因为性价比超高（1750+ sat 最便宜的学区)，华人餐馆超市多。
Millburn亚洲人少， 房子贵也有扣分。 当然你不在乎可以去掉最后那两项。
下次更新会加上gsmls。
Age and condition included in cost score, you can get new home anywhere if
cost is not an issue. Once you go above a certain sat score range, all of
them are similar in age and condition unless you extend to 90+ min door to
door and hit say Princeton.
【在 h*******e 的大作中提到】
: 回帖的话，水太大，淹了。
: 但是他的帖子中，对新泽西的看法，和很多事实，错的离谱。随便说几个，看房的网站
: ，njmls只适合北部，Bergen 的，中部，是gsmls.
: 北edison居然他的评分比millburn/shorthills, 我公司的ceo情以何堪啊。
: 买房的cost不算，这点，他不知道，还是存心不说，纽约永远做不了no cost
: refinance.
|
a*o
发帖数: 25262 | 7 Anything else except the sat scores? Like a friendly neighbor you can talk
to?
of
【在 h******b 的大作中提到】
: 北edison分高是因为性价比超高（1750+ sat 最便宜的学区)，华人餐馆超市多。
: Millburn亚洲人少， 房子贵也有扣分。 当然你不在乎可以去掉最后那两项。
: 下次更新会加上gsmls。
: Age and condition included in cost score, you can get new home anywhere if
: cost is not an issue. Once you go above a certain sat score range, all of
: them are similar in age and condition unless you extend to 90+ min door to
: door and hit say Princeton.
|
a*o
发帖数: 25262 | 8 Can they get around the mortgage tax? if they can they will charge you the
same amount of other fees more or less equal to the mortgage tax. If you can
find a 0 cost refinance, spread the word.
【在 w********c 的大作中提到】
: isn't loan modification supposed to work around it?
|
h******b
发帖数: 6055 | 9 Unless there is official stats on friendly neighbors, it is subjective and
can not be compared apple to apple.
【在 a*o 的大作中提到】
: Anything else except the sat scores? Like a friendly neighbor you can talk
: to?
:
: of
|
T********e
发帖数: 8631 | 10 曾经在严冬中顺着一号公路从New Brunswick到Edison步行买菜三个月...往事不堪回首
啊！ |
|
|
a*o
发帖数: 25262 | 11 even they have an official stats on friendly neighbors, I wouldn't trust it
unless I go there and check it out first.
【在 h******b 的大作中提到】
: Unless there is official stats on friendly neighbors, it is subjective and
: can not be compared apple to apple.
|
i*****g
发帖数: 2564 | 12 Some people can get use to that type of living, but I just think that is
very dangerous.
Many towns in NJ, in upstate and a few in LI are design to fit for people
with cars only. If you don't like to drive, tough luck.
【在 T********e 的大作中提到】
: 曾经在严冬中顺着一号公路从New Brunswick到Edison步行买菜三个月...往事不堪回首
: 啊！
|
W********i
发帖数: 1115 | 13 绝对的，刚来这边时，去Edison租房，到了一个小区，门口坐的全是印度大妈，衣服晾
在树叉上。都快开出小区了，终于看到一个白人，定睛一看，leasing office.
【在 s*********e 的大作中提到】
: 也难怪， 老一代的华人一听说新泽西就冒出edison, 哪里知道
: edison早就成印度城了。
:
: GN
: are
: and
|
h*******e
发帖数: 441 | 14 所以你很误导啊，
millburn,short hills行政上在一起，但是地理上，millburn的房子在50万~80万，
short hills的房子很贵。完全就是北GN和南GN的区别。
millburn的学区一流，火车快车30分钟进中城，20分钟到hoboken,加15分钟path到WTC,
而且，开车15到20分钟到path沿线，path基本就是24小时运行，所以上下班非常灵活，
但是你没有完全考虑这个进城的方式。
Summit有火车，汽车可以进下城，中城，都是40分钟进城的，还有自己开车转path.
Tenafly进城有一个方式，是从GW bridge 进城，非常快，小巴20分钟直接到subway A
线，所以对有些50街向上，或者哥大上班的，很有诱惑力。而且那里有的地方view非常
美，乡下的环境，但是可以看见纽约夜景，旁边alpine这个美国最贵的地方不是浪得虚
名。而且tenafly的价钱也是50万往上可以买的不错了。
而且新泽西很多火车沿线有一个优势，就是去下城，中城，基本上就是同样时间，现在
越来越多的公司将公司搬到jersey city,新泽西的优势就更加明显了。你住GN,去中城
Penn最快，去下城再加20分钟，如果去jersey city,同样也要加20分钟。westchest，
同样的道理，就更加费时间了。
最后就是mortgage tax，这个50万的房子，纽约就比NJ整整多了近1万的cost.由于这个
问题，no cost refinance永远不可能。很多NJ的童鞋们，一年做2~3次，NY的永远不可
能。
个人觉得你对NJ的调查，实在太不够。
of
【在 h******b 的大作中提到】
: 北edison分高是因为性价比超高（1750+ sat 最便宜的学区)，华人餐馆超市多。
: Millburn亚洲人少， 房子贵也有扣分。 当然你不在乎可以去掉最后那两项。
: 下次更新会加上gsmls。
: Age and condition included in cost score, you can get new home anywhere if
: cost is not an issue. Once you go above a certain sat score range, all of
: them are similar in age and condition unless you extend to 90+ min door to
: door and hit say Princeton.
|
j****7
发帖数: 3032 | 15 补充的非常好。
我想补充一点的是住的离华人超市餐馆近完全没有必要，难道你要天天去华人超市餐馆
吗？住NJ的可以周末开个车半小时到EDISON买菜吃饭，或者周末时间充裕的话开车到法
拉盛，买个菜，吃个饭，剪个头发，不就行了吗？住NJ北边比如FORT LEE去法拉盛其实
很快的。
难道住GN的华人每天还要去法拉盛一趟？不也是顶多周末去一次？
WTC,
A
【在 h*******e 的大作中提到】
: 所以你很误导啊，
: millburn,short hills行政上在一起，但是地理上，millburn的房子在50万~80万，
: short hills的房子很贵。完全就是北GN和南GN的区别。
: millburn的学区一流，火车快车30分钟进中城，20分钟到hoboken,加15分钟path到WTC,
: 而且，开车15到20分钟到path沿线，path基本就是24小时运行，所以上下班非常灵活，
: 但是你没有完全考虑这个进城的方式。
: Summit有火车，汽车可以进下城，中城，都是40分钟进城的，还有自己开车转path.
: Tenafly进城有一个方式，是从GW bridge 进城，非常快，小巴20分钟直接到subway A
: 线，所以对有些50街向上，或者哥大上班的，很有诱惑力。而且那里有的地方view非常
: 美，乡下的环境，但是可以看见纽约夜景，旁边alpine这个美国最贵的地方不是浪得虚
|
l********l
发帖数: 9452 | 16
这年头还refinance，真是被broker毒害不清啊，gn 1m up都是arm，每年花500多刀做
个modification就是了。
【在 h*******e 的大作中提到】
: 回帖的话，水太大，淹了。
: 但是他的帖子中，对新泽西的看法，和很多事实，错的离谱。随便说几个，看房的网站
: ，njmls只适合北部，Bergen 的，中部，是gsmls.
: 北edison居然他的评分比millburn/shorthills, 我公司的ceo情以何堪啊。
: 买房的cost不算，这点，他不知道，还是存心不说，纽约永远做不了no cost
: refinance.
|
T********e
发帖数: 8631 | 17 没办法啊。那会儿跟六个印度哥们儿住在公司one bedroom guest house，没车没身份
还谁都不认识
【在 i*****g 的大作中提到】
: Some people can get use to that type of living, but I just think that is
: very dangerous.
: Many towns in NJ, in upstate and a few in LI are design to fit for people
: with cars only. If you don't like to drive, tough luck.
|
m*******y
发帖数: 14292 | 18
gn有大中华超市 丰收自助 hmart
【在 j****7 的大作中提到】
: 补充的非常好。
: 我想补充一点的是住的离华人超市餐馆近完全没有必要，难道你要天天去华人超市餐馆
: 吗？住NJ的可以周末开个车半小时到EDISON买菜吃饭，或者周末时间充裕的话开车到法
: 拉盛，买个菜，吃个饭，剪个头发，不就行了吗？住NJ北边比如FORT LEE去法拉盛其实
: 很快的。
: 难道住GN的华人每天还要去法拉盛一趟？不也是顶多周末去一次？
:
: WTC,
: A
|
k****w
发帖数: 3753 | 19 什么情况？modification可以减少rate?
【在 l********l 的大作中提到】
:
: 这年头还refinance，真是被broker毒害不清啊，gn 1m up都是arm，每年花500多刀做
: 个modification就是了。
|
H********k
发帖数: 3950 | 20 modification is a special refinance done by YOUR CURRENT mortgage provider.
it costs much less, partly because they already know you and HAVE you, but
you must stick with the same lender.
win win
but there is no guarantee your lender will offer it 6 month from now.
For them, it's a compromise.
【在 k****w 的大作中提到】
: 什么情况？modification可以减少rate?
|
|
|
h******b
发帖数: 6055 | 21 打新泽西commute分稍低是因为metro north,Port Washington, hicksville 无论班次
还是稳定性都胜泽西铁路半筹。
开车20分钟能开好远， 大部分地区都能开到major hub了，没法公平比较地区本身的
commute。再算上是不是好停车，多少钱等等，就过于复杂了。
小巴指的是劳模小巴？ 我从a车去fort lee也得20分钟，还不是rush hour 。 20分
钟到tenafly困难吧。 而且这个不是官方公共交通，连网站好像都没有，没法比较班
次，稳定性，雨雪是否还有，会不会明年破产等等。
WTC,
A
【在 h*******e 的大作中提到】
: 所以你很误导啊，
: millburn,short hills行政上在一起，但是地理上，millburn的房子在50万~80万，
: short hills的房子很贵。完全就是北GN和南GN的区别。
: millburn的学区一流，火车快车30分钟进中城，20分钟到hoboken,加15分钟path到WTC,
: 而且，开车15到20分钟到path沿线，path基本就是24小时运行，所以上下班非常灵活，
: 但是你没有完全考虑这个进城的方式。
: Summit有火车，汽车可以进下城，中城，都是40分钟进城的，还有自己开车转path.
: Tenafly进城有一个方式，是从GW bridge 进城，非常快，小巴20分钟直接到subway A
: 线，所以对有些50街向上，或者哥大上班的，很有诱惑力。而且那里有的地方view非常
: 美，乡下的环境，但是可以看见纽约夜景，旁边alpine这个美国最贵的地方不是浪得虚
|
j***k
发帖数: 2719 | 22 the mortgage tax outside of NYC is a lot lower, in Nassau county, it is 1%.
you can still re-finance as many times as you want, and if the re-financed
amount is less than the original mortgage, it is considered tax paid, and
you would not have to pay it again. The bank may charge you a few hundred
extra for the additional paperwork, but it is not too bad.
WTC,
A
【在 h*******e 的大作中提到】
: 所以你很误导啊，
: millburn,short hills行政上在一起，但是地理上，millburn的房子在50万~80万，
: short hills的房子很贵。完全就是北GN和南GN的区别。
: millburn的学区一流，火车快车30分钟进中城，20分钟到hoboken,加15分钟path到WTC,
: 而且，开车15到20分钟到path沿线，path基本就是24小时运行，所以上下班非常灵活，
: 但是你没有完全考虑这个进城的方式。
: Summit有火车，汽车可以进下城，中城，都是40分钟进城的，还有自己开车转path.
: Tenafly进城有一个方式，是从GW bridge 进城，非常快，小巴20分钟直接到subway A
: 线，所以对有些50街向上，或者哥大上班的，很有诱惑力。而且那里有的地方view非常
: 美，乡下的环境，但是可以看见纽约夜景，旁边alpine这个美国最贵的地方不是浪得虚
|
j***k
发帖数: 2719 | 23 i used to live in Edgewater and take those "chicken buses". I call them "
chicken buses" because they remind me of the buses I had seen while
traveling in south america. over there ppl put chickens and other live-
stocks on top of the bus..
aside from the unappetizing appearances, these buses are surprisingly
reliable even in big snow storms when NJ Transit refuses to run. You would
have to take your own risk though.. the buses leaves port authority every 2
-3 minutes during rush hours..
the biggest problem is not the bus itself, it is the tunnel and GW Bridge.
The traffic is bad on normal days and once every 2 weeks is guaranteed to be
horrible. you have to have a tough mind and very strong bladder to take the
buses to the city.. well.. i guess, if it doesn't kill you, it would only
make you stronger. some ppl was born to take the abuse..
【在 h******b 的大作中提到】
: 打新泽西commute分稍低是因为metro north,Port Washington, hicksville 无论班次
: 还是稳定性都胜泽西铁路半筹。
: 开车20分钟能开好远， 大部分地区都能开到major hub了，没法公平比较地区本身的
: commute。再算上是不是好停车，多少钱等等，就过于复杂了。
: 小巴指的是劳模小巴？ 我从a车去fort lee也得20分钟，还不是rush hour 。 20分
: 钟到tenafly困难吧。 而且这个不是官方公共交通，连网站好像都没有，没法比较班
: 次，稳定性，雨雪是否还有，会不会明年破产等等。
:
: WTC,
: A
|
k****y
发帖数: 4083 | 24 why do it 每年?
if it's 5-yr arm, should one do it every 5 yrs?
【在 l********l 的大作中提到】
:
: 这年头还refinance，真是被broker毒害不清啊，gn 1m up都是arm，每年花500多刀做
: 个modification就是了。
|
l********l
发帖数: 9452 | 25
as long as ur credit scroe good enough (right now 740 and up is good enough)
u r always get approved and this is written in your original term. so i don
't understand why people still consider refinance......
【在 H********k 的大作中提到】
: modification is a special refinance done by YOUR CURRENT mortgage provider.
: it costs much less, partly because they already know you and HAVE you, but
: you must stick with the same lender.
: win win
: but there is no guarantee your lender will offer it 6 month from now.
: For them, it's a compromise.
|
a*o
发帖数: 25262 | 26 Are you talking about the loan modification program from Obama for those on
the verge of foreclosure? and a lot of other things are required?
except the credit scores, what other things make up the qualification?
enough)
don
【在 l********l 的大作中提到】
:
: as long as ur credit scroe good enough (right now 740 and up is good enough)
: u r always get approved and this is written in your original term. so i don
: 't understand why people still consider refinance......
|
z*****x
发帖数: 2370 | 27 no comment on the chicken buses...i've been commuting to port authority from
englewood on a nj transit bus for 5 months now. the bus goes through
lincoln tunnel. So far it's been a good experience. I have had bad delays
only once or twice. There was this one time when there was a bad accident in
the tunnel and we got diverted to Newark to take the path train instead.
the biggest problem for me is missing my stop on the way back becaues i tend
to fall asleep...
2
be
【在 j***k 的大作中提到】
: i used to live in Edgewater and take those "chicken buses". I call them "
: chicken buses" because they remind me of the buses I had seen while
: traveling in south america. over there ppl put chickens and other live-
: stocks on top of the bus..
: aside from the unappetizing appearances, these buses are surprisingly
: reliable even in big snow storms when NJ Transit refuses to run. You would
: have to take your own risk though.. the buses leaves port authority every 2
: -3 minutes during rush hours..
: the biggest problem is not the bus itself, it is the tunnel and GW Bridge.
: The traffic is bad on normal days and once every 2 weeks is guaranteed to be
|
g****s
发帖数: 309 | 28 20分钟是比较理想的情况,公共汽车停站多,从Tenafly的话,到a线基本上在30分钟以内
吧。
开车上下班其实很不错（去downtown单程才30-40分钟）。也可以把车停到port
imperial ferry坐轮渡过去,全程都很舒服。
【在 h******b 的大作中提到】
: 打新泽西commute分稍低是因为metro north,Port Washington, hicksville 无论班次
: 还是稳定性都胜泽西铁路半筹。
: 开车20分钟能开好远， 大部分地区都能开到major hub了，没法公平比较地区本身的
: commute。再算上是不是好停车，多少钱等等，就过于复杂了。
: 小巴指的是劳模小巴？ 我从a车去fort lee也得20分钟，还不是rush hour 。 20分
: 钟到tenafly困难吧。 而且这个不是官方公共交通，连网站好像都没有，没法比较班
: 次，稳定性，雨雪是否还有，会不会明年破产等等。
:
: WTC,
: A
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N*****t
发帖数: 32 | 29 Not necessarily true. The mortgage can be re-assigned to avoid mortgage tax
in NY.
【在 a*o 的大作中提到】
: the last sentence is very true.. mortgage tax..hehe..
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k**g
发帖数: 1558 | 30 没有sidewalk,冬天不用扫雪，为什么不好？
【在 i*****g 的大作中提到】
: Some people can get use to that type of living, but I just think that is
: very dangerous.
: Many towns in NJ, in upstate and a few in LI are design to fit for people
: with cars only. If you don't like to drive, tough luck.
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k**g
发帖数: 1558 | 31 re-modification以后利息涨上去了，就没人做了吧。
【在 H********k 的大作中提到】
: modification is a special refinance done by YOUR CURRENT mortgage provider.
: it costs much less, partly because they already know you and HAVE you, but
: you must stick with the same lender.
: win win
: but there is no guarantee your lender will offer it 6 month from now.
: For them, it's a compromise.
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t*****e
发帖数: 344 | 32 it's called CEMA. I don't know no-cost but 1-2k cost is doable with
competitive rate. I think it's the same cost for nj people.
【在 a*o 的大作中提到】
: Can they get around the mortgage tax? if they can they will charge you the
: same amount of other fees more or less equal to the mortgage tax. If you can
: find a 0 cost refinance, spread the word.
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h*******e
发帖数: 441 | 33 no, nj is totally free.
【在 t*****e 的大作中提到】
: it's called CEMA. I don't know no-cost but 1-2k cost is doable with
: competitive rate. I think it's the same cost for nj people.
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