c********1 发帖数: 5269 | 1 我一直监视北加, SD, arizona的房市。
北加 小黑屋
http://www.zillow.com/homes/for_rent/San-Jose-CA-95129/house,co
估价:: $1,4m
出租: $3,950/mo.
arizona high-end house
以前常到住这个社区的教友家 bible study.I am surprised that the house price
bounced back so much!
http://www.zillow.com/homedetails/13006-E-Corrine-Dr-Scottsdale
for sale: 1,7m
出租: $9,827/mo
房价到处都很高.没有下跌迹象.
我决定向高房价低头! 放弃the attempt to out-smart the market.
value是我买房的原则.
低头也不忘value原则.
01/2016就买了 ,当时最value的房子(in SD).
price:$820K
community: Scripps ranch(92131).
5 beds 4 baths 2800 sqft
Lot: 9,300 sqft
Built in 2008
地势最高。比周围的房子
$0 HOA, $0 mello roos |
s*******2 发帖数: 2898 | 2 who cares?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我一直监视北加, SD, arizona的房市。 : 北加 小黑屋 : http://www.zillow.com/homes/for_rent/San-Jose-CA-95129/house,co : 估价:: $1,4m : 出租: $3,950/mo. : arizona high-end house : 以前常到住这个社区的教友家 bible study.I am surprised that the house price : bounced back so much! : http://www.zillow.com/homedetails/13006-E-Corrine-Dr-Scottsdale : for sale: 1,7m
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c********1 发帖数: 5269 | 3 Share experience. Share info. 活跃论坛. The thread has over 200 viewers in
about 3 hours.
【在 s*******2 的大作中提到】![](/moin_static193/solenoid/img/up.png) : who cares?
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y****i 发帖数: 17878 | 4 "The pictures do not do this home justice."
hehe
your seller should have used some better pictures ...
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我一直监视北加, SD, arizona的房市。 : 北加 小黑屋 : http://www.zillow.com/homes/for_rent/San-Jose-CA-95129/house,co : 估价:: $1,4m : 出租: $3,950/mo. : arizona high-end house : 以前常到住这个社区的教友家 bible study.I am surprised that the house price : bounced back so much! : http://www.zillow.com/homedetails/13006-E-Corrine-Dr-Scottsdale : for sale: 1,7m
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c********1 发帖数: 5269 | 5 The pictures of 小黑屋?
It does not need better pictures to sell.
I saw a lot of 小黑屋 that has worse pictures, and sold.
house in north CA -- 太值钱了!
国内大学同学, his house in north CA is valued at more than $3.5m.
【在 y****i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : "The pictures do not do this home justice." : hehe : your seller should have used some better pictures ...
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t**y 发帖数: 977 | 6 老大,你这叫高房价?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我一直监视北加, SD, arizona的房市。 : 北加 小黑屋 : http://www.zillow.com/homes/for_rent/San-Jose-CA-95129/house,co : 估价:: $1,4m : 出租: $3,950/mo. : arizona high-end house : 以前常到住这个社区的教友家 bible study.I am surprised that the house price : bounced back so much! : http://www.zillow.com/homedetails/13006-E-Corrine-Dr-Scottsdale : for sale: 1,7m
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c********1 发帖数: 5269 | 7 It is 高房价 for my income.
General speaking, CA is 高房价 state reported by main stream media.
legislative analyst's office report -- California’s High Housing Costs:
Causes and Consequences
http://www.lao.ca.gov/Publications/Detail/3214
The report says [Unfortunately, housing in California is extremely expensive
...]
I feel [housing in California is extremely expensive] too.
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 老大,你这叫高房价?
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c********1 发帖数: 5269 | 8 如果This thread has more than 1k viewers by 10:00pm today.
I will share more detail story about buying the house--步步艰难
The extremely effort we put in during
a. select/bid houses
b. get the mortgage
c buy home insurance
something positive
得贵人相助(在经济上). |
f******d 发帖数: 537 | 9 yudeli was talking about your new house!
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : The pictures of 小黑屋? : It does not need better pictures to sell. : I saw a lot of 小黑屋 that has worse pictures, and sold. : house in north CA -- 太值钱了! : 国内大学同学, his house in north CA is valued at more than $3.5m.
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V**n 发帖数: 560 | 10 有接近2k viewers 啦, 请share abc 吧!
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果This thread has more than 1k viewers by 10:00pm today. : I will share more detail story about buying the house--步步艰难 : The extremely effort we put in during : a. select/bid houses : b. get the mortgage : c buy home insurance : something positive : 得贵人相助(在经济上).
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c********1 发帖数: 5269 | 11 我们买房的准则
1。 看上去, 喜欢。
2。 value
我的agent 是美國出生的韩国人, 因美国长大, 比较不精。
1.她太相信seller agent 的话
2 要为我们谈到尽可能好的价格
3 She is super nice!
在3年里,我们看了 92131, 92115, 92120, 91901(alpine)。 她带我们看了大
约100 个房子。我们bid了10个。
头9个, 她要为我们谈到尽可能好的价格, out bid by 别人。
最后一个。我们说不要【谈尽可能好的价格】, 按我们说的价格就好。
我们买时, 有3个80 几万的房子有人要买。
后来, 只有我们买的房子closed.
另2个80 几万的房子back to market.
我估计,这2个在92131【要买80 几万的房子】的。贷款通不过。
我估计, 在92131买80几万房的人,到了他们购买力的极限. 更有钱的人, 不在这区买.
【在 V**n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有接近2k viewers 啦, 请share abc 吧!
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c********1 发帖数: 5269 | 12 只是【select/bid houses】。
我已经被烦不欲生。
get a mortgage。就老婆全包, 我只是签名。
get a mortgage 要求极多文件。
有一次, 老婆通宵scan documents, 眼膜破裂,出血。病假在家2 天。
到了最后一星期。loan agent 也不说批还是不批。
I expected loan agent told us what documents were needed to get the loan
.
被气得半死。
后来也不管【批还是不批】。
close的前一天, loan agent 说批了。
好的loan agent也很重要! |
w***i 发帖数: 1135 | 13 你投资房卖2个,不就不用贷款了?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 只是【select/bid houses】。 : 我已经被烦不欲生。 : get a mortgage。就老婆全包, 我只是签名。 : get a mortgage 要求极多文件。 : 有一次, 老婆通宵scan documents, 眼膜破裂,出血。病假在家2 天。 : 到了最后一星期。loan agent 也不说批还是不批。 : I expected loan agent told us what documents were needed to get the loan : . : 被气得半死。 : 后来也不管【批还是不批】。
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s**********o 发帖数: 14359 | 14 说得对,投资不投资,首先自己不能亏待自己,SD房贵,这可是全球气候
最好的地方之一,这不贵哪贵啊?贵不贵,自己住,房子只要不跌价,
无所谓,嫌贵你去密西根啊,数九寒天下大雪,夏日蚊子如牛毛,房子
倒是便宜,你去住吗?我觉得,SD的人口是增加的,房价比起北加还是有空间的
【在 w***i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你投资房卖2个,不就不用贷款了?
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t**y 发帖数: 977 | 15 sd房还贵?地板价了,都不够我帝都一套房。
【在 s**********o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 说得对,投资不投资,首先自己不能亏待自己,SD房贵,这可是全球气候 : 最好的地方之一,这不贵哪贵啊?贵不贵,自己住,房子只要不跌价, : 无所谓,嫌贵你去密西根啊,数九寒天下大雪,夏日蚊子如牛毛,房子 : 倒是便宜,你去住吗?我觉得,SD的人口是增加的,房价比起北加还是有空间的
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c********1 发帖数: 5269 | 16 是啊。
有機會就買几个投资房.
试卖几次,沒卖掉.
two years ago, we tried to sell one(5beds/3 baths) for $250k, and failed.
The house now is estimated worth $310k.
【在 w***i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你投资房卖2个,不就不用贷款了?
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c********1 发帖数: 5269 | 17 China housing market is crazy.
I consider house in SD 贵. However, I still can afford the house.
If the price is higher(e,g. bay area, SF). I cannot afford a house there.
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : sd房还贵?地板价了,都不够我帝都一套房。
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t**y 发帖数: 977 | 18 你这房贷了多少款?准备退休前还清吗?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : China housing market is crazy. : I consider house in SD 贵. However, I still can afford the house. : If the price is higher(e,g. bay area, SF). I cannot afford a house there.
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c********1 发帖数: 5269 | 19 We own 10 houses(1 in CA, 9 in AZ). 10 sounds like a lucky number. estimated
value is about $3.3m
这房贷 is about $600K
Total 房贷 is abou $1.2m.
We will sell some investment properties if we have chance.
We will dynamically adjust our mortgage and the number of houses we own
based on market conditions.
We will take a break for a couple months first, then we think about what to
do next.
【在 t**y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你这房贷了多少款?准备退休前还清吗?
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c********1 发帖数: 5269 | 20 虽然[在加州, 向高房价低头]
10个房子, 一个自住, 扣除房贷,维护费,年入可达3,5万.
做为美国的普通工薪阶层,
财产积累的不错了。达到以房养房的目标。
以后要多感恩,多enjoy life. |
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s******d 发帖数: 2568 | 21 蔡老虽然房产几百万, 买个房非得烦不欲生,被气得半死。还搞得老婆眼膜破裂, 非
得让你们看着 捉鸡。 |
c********1 发帖数: 5269 | 22 是老婆要来SD.我不想来.
明天再讲
被气得半死 -- buy home insurance,
被气得半死 -- wire money to title company.
【在 s******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 蔡老虽然房产几百万, 买个房非得烦不欲生,被气得半死。还搞得老婆眼膜破裂, 非 : 得让你们看着 捉鸡。
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V**n 发帖数: 560 | 23 Thx for sharing!
不知 92131 居然很多80万的房子都close 不了
那92130 的卖家都该则么办?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我们买房的准则 : 1。 看上去, 喜欢。 : 2。 value : 我的agent 是美國出生的韩国人, 因美国长大, 比较不精。 : 1.她太相信seller agent 的话 : 2 要为我们谈到尽可能好的价格 : 3 She is super nice! : 在3年里,我们看了 92131, 92115, 92120, 91901(alpine)。 她带我们看了大 : 约100 个房子。我们bid了10个。 : 头9个, 她要为我们谈到尽可能好的价格, out bid by 别人。
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f***s 发帖数: 1596 | 24 哈哈,这家伙不是宁可数钱坚决不花钱的那个吗?怎么不抱着钱数,还把自己气了好几
个半死,老婆眼角膜破裂?
这儿就靠你活跃尼 |
c********1 发帖数: 5269 | 25 I think People buy at 92130 are much richer than people buy at 92131.
I don't think I can find a house that is value there.
We don't look at the house at 92130 in person. Only browse( on net) 92130
houses for sale
【在 V**n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Thx for sharing! : 不知 92131 居然很多80万的房子都close 不了 : 那92130 的卖家都该则么办?
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c********1 发帖数: 5269 | 26 The effort we put in buying one house in SD, I could buy 20 houses in other
state.
My bottom line -- The housing cost we spend has to be low than 70% of my
rental property income.
眼角膜破裂 seemed not a big deal. I recommended My wife went to see a
doctor. She did not go to see doctor. She Just took 2 days break.
【在 f***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 哈哈,这家伙不是宁可数钱坚决不花钱的那个吗?怎么不抱着钱数,还把自己气了好几 : 个半死,老婆眼角膜破裂? : 这儿就靠你活跃尼
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w*******1 发帖数: 206 | 27 除非你把房子地址post 出来, 否则, 没法相信 2008 年的 房子
$0 HOA, $0 mello roos
不可能· |
c********1 发帖数: 5269 | 28 The house is in an old community. The previous house on the lot was burned
down by fire. The owner bought the lot for $400k, and built the house by
himself.
That is why I think it is value. The lot is bigger than the lot of most
house there too. We plan to build 3~ 5 parking lots on the side yard,
【在 w*******1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 除非你把房子地址post 出来, 否则, 没法相信 2008 年的 房子 : $0 HOA, $0 mello roos : 不可能·
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U*C 发帖数: 225 | 29 do you know how much does it cost the owner to build the house?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : The house is in an old community. The previous house on the lot was burned : down by fire. The owner bought the lot for $400k, and built the house by : himself. : That is why I think it is value. The lot is bigger than the lot of most : house there too. We plan to build 3~ 5 parking lots on the side yard,
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c********1 发帖数: 5269 | 30 I do not know the build cost.
The material is not hight end. However, there are some hight -end features
in the house -- centre vacuum, fans in attic, thankless water heater,
advanced type of AC.
I estimate it might cost $300k.
【在 U*C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : do you know how much does it cost the owner to build the house?
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s**********o 发帖数: 14359 | 31 一场地震全部清零吧,你苦了半天就白苦了
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 虽然[在加州, 向高房价低头] : 10个房子, 一个自住, 扣除房贷,维护费,年入可达3,5万. : 做为美国的普通工薪阶层, : 财产积累的不错了。达到以房养房的目标。 : 以后要多感恩,多enjoy life.
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c********1 发帖数: 5269 | 32 1 house in CA
9 houses in AZ. not 地震 in AZ.
We buy insurances for those houses.
Do what we can do, Let it be...
I never worry 地震全部清零.
I wish I can increase my net worth by 20~30%, then I can semi-retired.
【在 s**********o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 一场地震全部清零吧,你苦了半天就白苦了
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U*C 发帖数: 225 | 33 $300k includes labor?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I do not know the build cost. : The material is not hight end. However, there are some hight -end features : in the house -- centre vacuum, fans in attic, thankless water heater, : advanced type of AC. : I estimate it might cost $300k.
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s**********o 发帖数: 14359 | 34 你砸知道AZ就不地震你,震了你就中了,AZ那么多荒漠
有的是地盖房子,你家房子贵了,我去旁边的沙漠再建
俩便宜的,建材越来越便宜,房子保暖越来月好,
我看AZ的房子没啥价值
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1 house in CA : 9 houses in AZ. not 地震 in AZ. : We buy insurances for those houses. : Do what we can do, Let it be... : I never worry 地震全部清零. : I wish I can increase my net worth by 20~30%, then I can semi-retired.
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c********1 发帖数: 5269 | 35 I count on [没啥价值房子] to have a good living.
The major factor I agreed my wife moved to CA-- We own a lot of [没啥价值房
子]. Those houses generate more than $150k per year gross income, about $
100k net income.
【在 s**********o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你砸知道AZ就不地震你,震了你就中了,AZ那么多荒漠 : 有的是地盖房子,你家房子贵了,我去旁边的沙漠再建 : 俩便宜的,建材越来越便宜,房子保暖越来月好, : 我看AZ的房子没啥价值
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c********1 发帖数: 5269 | 36 Yes. It is a rough estimate.
【在 U*C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : $300k includes labor?
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U*C 发帖数: 225 | 37 not bad. to get same return in CA, you might need to double the cost of
ownership.
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I count on [没啥价值房子] to have a good living. : The major factor I agreed my wife moved to CA-- We own a lot of [没啥价值房 : 子]. Those houses generate more than $150k per year gross income, about $ : 100k net income.
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c********1 发帖数: 5269 | 38 If we did not moved to CA. Most likely we will own 10 more houses there.
We are excellent on managing rental houses in AZ. We still manage those
houses by ourself!
【在 U*C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : not bad. to get same return in CA, you might need to double the cost of : ownership.
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c****l 发帖数: 1204 | |
c****l 发帖数: 1204 | |
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c********1 发帖数: 5269 | 41 要买home insurance.
问了几10家, 普通insurance companies. 没人要卖。
后, 经多方打听, 买了 specialty insurance.
nothing is simply in CA! |
c********1 发帖数: 5269 | 42 最后,要wire the money to the title company.
A banker of BOfA refused to wire the money in my bank to the title company.
We have IDs, ATM card.
we went to other branch, the banker there helped us wire the money.
I don't know if she is stupid or 要刁难我们。 |
y****i 发帖数: 17878 | 43 maybe because it was one of the three houses in that Cul-de-sac that got
damaged/destroyed during the Cedar Fire in 2003
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 要买home insurance. : 问了几10家, 普通insurance companies. 没人要卖。 : 后, 经多方打听, 买了 specialty insurance. : nothing is simply in CA!
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V**n 发帖数: 560 | 44 等着等着看你这个,
这么重要的,不要轻轻带过嘛
这样好了, 我发你一个双黄包, 辛苦润笔!
当时看到在92131 能买到2k 年的房,知道应该是重建的,
farmers, Mercury, AAA etc. 都会有千奇百怪的理由因为火险,
请问最后是哪一家?
这边很多人家的房子都是说得好听 canyon view 说的难听保险公司列你上canyon
house
告诉大家一下你的经验造福一下你的听众们和haters -_-bb
另800k的房子scripps ranch 也有很多人买,stonebridge for instance 吊打1.5M.
可能华人的富人都买92130 吧
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 要买home insurance. : 问了几10家, 普通insurance companies. 没人要卖。 : 后, 经多方打听, 买了 specialty insurance. : nothing is simply in CA!
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c********1 发帖数: 5269 | 45 Thank you for the 双黄包!
The high school district for stonebridge is poway school district. Some
people might not like it. Also the houses there have high mello roos tax
【在 V**n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 等着等着看你这个, : 这么重要的,不要轻轻带过嘛 : 这样好了, 我发你一个双黄包, 辛苦润笔! : 当时看到在92131 能买到2k 年的房,知道应该是重建的, : farmers, Mercury, AAA etc. 都会有千奇百怪的理由因为火险, : 请问最后是哪一家? : 这边很多人家的房子都是说得好听 canyon view 说的难听保险公司列你上canyon : house : 告诉大家一下你的经验造福一下你的听众们和haters -_-bb : 另800k的房子scripps ranch 也有很多人买,stonebridge for instance 吊打1.5M.
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c********1 发帖数: 5269 | 46 finally, a positive story to tell -- 得贵人相助(在经济上). To come tomorrow. |
a****a 发帖数: 239 | 47 原来是那场著名的大火中牺牲的房子,怪不得买不到保险。现在保险多少钱?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : The house is in an old community. The previous house on the lot was burned : down by fire. The owner bought the lot for $400k, and built the house by : himself. : That is why I think it is value. The lot is bigger than the lot of most : house there too. We plan to build 3~ 5 parking lots on the side yard,
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c********1 发帖数: 5269 | 48 Got 3 quotes (year rate)
$2800
$1400
$700
We bought the $700.
【在 a****a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 原来是那场著名的大火中牺牲的房子,怪不得买不到保险。现在保险多少钱?
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V**n 发帖数: 560 | |
c********1 发帖数: 5269 | 50 带病.I am sick and stay at home today.
Spent 10 minutes to dig out the info.
American international
858.756.3440 Office
858.756.3411 Fax
619.992.1079 Cell
Office: 6119 La Granada, Ste B
Rancho Santa Fe, Ca 92067
Mailing: P.O. Box 854
Rancho Santa Fe, Ca 92067
CA License #0G32840
www.anico.com
www.anpac.com
【在 V**n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ...
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c********1 发帖数: 5269 | 51 近期烦不欲生。
想
客观, 正面, 反映自己目前的处境.让自己说得高兴.
也可
Share experience. Share info. 活跃论坛. |
J*******Z 发帖数: 528 | 52 Some are really stupid. 几年前让我碰到过一次,就一个小款,还是它的什么
premier customer, 引用你的“烦不欲生”,后来决定离它远远的。
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 最后,要wire the money to the title company. : A banker of BOfA refused to wire the money in my bank to the title company. : We have IDs, ATM card. : we went to other branch, the banker there helped us wire the money. : I don't know if she is stupid or 要刁难我们。
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c********1 发帖数: 5269 | 53 新年一开始, 就天上掉下5千美元.
这次买房, 又有贵人, 主动拿5万美元借给我们。贵人是80多岁的退休人员。
很有可能,将来贵人会给一笔遗产。
具体就不说了。
以后要多感恩,多enjoy life.
没被烦死, 必有后福! |
c********1 发帖数: 5269 | 54 靠自己努力积累了大部分资产。
如果靠运气。得一小部分资产。这最后一推, 达到财政自由。生活就更美好。 |
c********1 发帖数: 5269 | 55 看来, 在加州办事, 要期待意外。
In our case. The account to receive the money is a title company, not an
unknown account.And We have IDs.
What is the chance that 诈骗 might happen?
【在 J*******Z 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Some are really stupid. 几年前让我碰到过一次,就一个小款,还是它的什么 : premier customer, 引用你的“烦不欲生”,后来决定离它远远的。
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a****a 发帖数: 239 | 56 我的感觉,加州人多骗子多,所以附加的防骗条款文件也多如牛毛,银行稍有疑问就会
增加很多繁琐的手续,人家也是被骗怕了。
你那房子看起来不错啊,价格挺划算,就是里外都需要好好装修一下,前屋主一直收租
来着。后院临着的路大吗?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看来, 在加州办事, 要期待意外。 : In our case. The account to receive the money is a title company, not an : unknown account.And We have IDs. : What is the chance that 诈骗 might happen?
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c********1 发帖数: 5269 | 57 后院not临着的路大. 临着 big trees-- We consider that as a major plus factor.
It is 前屋主home.
凑合看, image is rotated 90 degree
在家2楼拍的
后院后
【在 a****a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我的感觉,加州人多骗子多,所以附加的防骗条款文件也多如牛毛,银行稍有疑问就会 : 增加很多繁琐的手续,人家也是被骗怕了。 : 你那房子看起来不错啊,价格挺划算,就是里外都需要好好装修一下,前屋主一直收租 : 来着。后院临着的路大吗?
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c********1 发帖数: 5269 | 58 讲这些。The bright side
让自己说得高兴.
The dark side.
还是常常烦不欲生-- 被 生活, 工作.
正在, 艰难地自我调整。 |
U*C 发帖数: 225 | 59 those big trees were not burnt down during 2003 fire? so the previous house
might
not be one of the victim in that fire.
factor.
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 后院not临着的路大. 临着 big trees-- We consider that as a major plus factor. : It is 前屋主home. : 凑合看, image is rotated 90 degree : 在家2楼拍的 : 后院后
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c********1 发帖数: 5269 | 60 I see a lot of 死树头.Some of the tree were burned down. Some trees survive
. The previous house on this lot was burned down. Might be about 50% of tree
were burned down.
【在 U*C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : those big trees were not burnt down during 2003 fire? so the previous house : might : not be one of the victim in that fire. : : factor.
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c********1 发帖数: 5269 | 61 繁琐的手续 bothered me a lot.
hot weather don't bothered me much.
看来, 我不适合加州。
只是,老了。可以少做事.凑合过
【在 a****a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我的感觉,加州人多骗子多,所以附加的防骗条款文件也多如牛毛,银行稍有疑问就会 : 增加很多繁琐的手续,人家也是被骗怕了。 : 你那房子看起来不错啊,价格挺划算,就是里外都需要好好装修一下,前屋主一直收租 : 来着。后院临着的路大吗?
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a****a 发帖数: 239 | 62 原来还有这么多树在大火中生存了下来,会不会还有隐患,所以保险才会贵?
看history,前owner一直在lease for rent。去年12月还招租呢,1月份改卖了。
factor.
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 后院not临着的路大. 临着 big trees-- We consider that as a major plus factor. : It is 前屋主home. : 凑合看, image is rotated 90 degree : 在家2楼拍的 : 后院后
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c********1 发帖数: 5269 | 63 有隐患. Most insurance companies do not sell home insurance for that zone.
We know 前owner 一直在lease for rent. I think -- 前owner thought the price
is low, He would like to rent the house if possible.
【在 a****a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 原来还有这么多树在大火中生存了下来,会不会还有隐患,所以保险才会贵? : 看history,前owner一直在lease for rent。去年12月还招租呢,1月份改卖了。 : : factor.
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H**r 发帖数: 10015 | 64 沙漠叫气候好?
【在 s**********o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 说得对,投资不投资,首先自己不能亏待自己,SD房贵,这可是全球气候 : 最好的地方之一,这不贵哪贵啊?贵不贵,自己住,房子只要不跌价, : 无所谓,嫌贵你去密西根啊,数九寒天下大雪,夏日蚊子如牛毛,房子 : 倒是便宜,你去住吗?我觉得,SD的人口是增加的,房价比起北加还是有空间的
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c********1 发帖数: 5269 | 65 我以为下大雪的地方, 少蚊子.
涨知识了.
【在 s**********o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 说得对,投资不投资,首先自己不能亏待自己,SD房贵,这可是全球气候 : 最好的地方之一,这不贵哪贵啊?贵不贵,自己住,房子只要不跌价, : 无所谓,嫌贵你去密西根啊,数九寒天下大雪,夏日蚊子如牛毛,房子 : 倒是便宜,你去住吗?我觉得,SD的人口是增加的,房价比起北加还是有空间的
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b****u 发帖数: 1654 | 66 好奇,你老婆为什么要通宵scan documents?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 只是【select/bid houses】。 : 我已经被烦不欲生。 : get a mortgage。就老婆全包, 我只是签名。 : get a mortgage 要求极多文件。 : 有一次, 老婆通宵scan documents, 眼膜破裂,出血。病假在家2 天。 : 到了最后一星期。loan agent 也不说批还是不批。 : I expected loan agent told us what documents were needed to get the loan : . : 被气得半死。 : 后来也不管【批还是不批】。
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b****u 发帖数: 1654 | 67 这么容易就把家底都说了?
estimated
to
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : We own 10 houses(1 in CA, 9 in AZ). 10 sounds like a lucky number. estimated : value is about $3.3m : 这房贷 is about $600K : Total 房贷 is abou $1.2m. : We will sell some investment properties if we have chance. : We will dynamically adjust our mortgage and the number of houses we own : based on market conditions. : We will take a break for a couple months first, then we think about what to : do next.
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c********1 发帖数: 5269 | 68 To meet the deadline for loan documents.
【在 b****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 这么容易就把家底都说了? : : estimated : to
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c********1 发帖数: 5269 | 69 I think 说 家底 is not a bid deal.
Share info about 家底 of a 普通 Chinese working class family. A lot of
people
would like to know.
I think we are doing well compare to 普通 USA working class family.
【在 b****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 这么容易就把家底都说了? : : estimated : to
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b****u 发帖数: 1654 | 70 你都10套房子了,再买房还拿一80岁老人的钱???鄙视这种行为~~~
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 新年一开始, 就天上掉下5千美元. : 这次买房, 又有贵人, 主动拿5万美元借给我们。贵人是80多岁的退休人员。 : 很有可能,将来贵人会给一笔遗产。 : 具体就不说了。 : 以后要多感恩,多enjoy life. : 没被烦死, 必有后福!
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b****u 发帖数: 1654 | 71 其实我觉得你这种人买一套房子就足够了,房子或是钱多了对你来说都是烦恼~~~~
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I think 说 家底 is not a bid deal. : Share info about 家底 of a 普通 Chinese working class family. A lot of : people : would like to know. : I think we are doing well compare to 普通 USA working class family.
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c********1 发帖数: 5269 | 72 She 主动... She said she has more money than she needs. She is glad to help.
She has a lot of houses too.We know each other for more than 20 years.
She does not have kids. She treat us like her kids.
We will help her if needed. She can live with us if she wants to...
【在 b****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 其实我觉得你这种人买一套房子就足够了,房子或是钱多了对你来说都是烦恼~~~~
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c********1 发帖数: 5269 | 73 I love to make easy money. The 9 houses we bought -- at low price. It
is a bright spot of my finance life. We made about $1m -- more than enough
to pay for the house we bought in SD. That is the reason -- Although I think
the house price of SD is high, we still bought one -- since we made enough
easy money to pay for the house.
【在 b****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 其实我觉得你这种人买一套房子就足够了,房子或是钱多了对你来说都是烦恼~~~~
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b****u 发帖数: 1654 | 74 嗯嗯 ~~ 她是主动...你想的是“ 很有可能,将来贵人会给一笔遗产。”呵呵~
惕的羊) 的大作中提到: 】
help. |
c********1 发帖数: 5269 | 75 She does not have kids.
She will give the money to the people she loves|likes.
Since She 主动 help us now.==> 很有可能,将来贵人会给一笔遗产 in the future.
A reasonable thinking.
I consider that as A reward for being a nice person + 缘分. 呵呵~
I will be very pride of myself if things going as I expect.
1.I work hard to build a basic financial foundation
2.I am able to make some easy money.
3. 靠 being a nice person + 缘分 to get a nice financial reward.
We will create a trust for our kids. I will put above statements as the
introduction of the trust.
【在 b****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 嗯嗯 ~~ 她是主动...你想的是“ 很有可能,将来贵人会给一笔遗产。”呵呵~ : 惕的羊) 的大作中提到: 】 : help.
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s******d 发帖数: 2568 | 76 复印下几分钟,最多半个钟搞定了吧。
复印化纸钱, Scan不花钱?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : To meet the deadline for loan documents.
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c********1 发帖数: 5269 | 77 It took time to dig out the documents.
Scanned documents can be sent vs email.
【在 s******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 复印下几分钟,最多半个钟搞定了吧。 : 复印化纸钱, Scan不花钱?
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s******d 发帖数: 2568 | 78 也想找点遗产继承下, 蔡老传授点经验吧, 如何可以当人家的Kids?
找爹妈继承遗产是发财捷径, 就怕人家不认。
help.
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : She 主动... She said she has more money than she needs. She is glad to help. : She has a lot of houses too.We know each other for more than 20 years. : She does not have kids. She treat us like her kids. : We will help her if needed. She can live with us if she wants to...
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c********1 发帖数: 5269 | 79 being a nice person + 缘分
可遇不可求
【在 s******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 也想找点遗产继承下, 蔡老传授点经验吧, 如何可以当人家的Kids? : 找爹妈继承遗产是发财捷径, 就怕人家不认。 : : help.
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s******d 发帖数: 2568 | 80 I am a nice person. 可没碰到有人要收儿子。 这缘分怎么找?
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : being a nice person + 缘分 : 可遇不可求
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c********1 发帖数: 5269 | 81 ha ha google 可遇不可求
may come by chance but not by diligent search
【在 s******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I am a nice person. 可没碰到有人要收儿子。 这缘分怎么找?
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c********1 发帖数: 5269 | 82 活跃论坛.Viewers is over 10K.
各位看官。谢谢观看.
【在 c********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ha ha google 可遇不可求 : may come by chance but not by diligent search
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