h*h
发帖数: 27852 | 1 single payer healthcare 和高福利不相关
我的观点：
1. 支持single payer： 美国不能afford NON SINGLE PAYER healthcare
2. 反对高福利: 美国不能afford 高福利了，比如政府福利房，大学免费，food
stamps
3. 反对工会，特别是公务员工会: 美国经济不能afford 工会了 |
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S*******i
发帖数: 2018 | 2 He then said: "That's why we need a Republican in the House. We need a
Republican in the Senate. We need more of them."
He added: "We cannot afford -- this country, the future of this country,
cannot afford to lose a seat in the very, very close United States senate.
We can't afford it, folks. We can't."
"So get out and vote for Roy Moore," Trump said to cheers and applause. "Do
it. Do it."
"Whether we are from the city or the country, and whether we are black or
brown or white -- you've heard i... 阅读全帖 |
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d***p
发帖数: 937 | 3 2013新款Fusion使用了Ford大肆吹捧的Ecoboost Engine (Turbo charge + direct
injection) .结果还不如老款Fusion 省油。也不如Altima和Accord with I4 engine省
油。
实际MPG远小于Ford号称的EPA。
Boost起来的Horsepower 也不如自然吸气的更平滑有力。
新款Escape 也有这样的问题。
看来Ford在向现代学习，全面夸大EPA 数字。
http://usnews.rankingsandreviews.com/cars-trucks/best-cars-blog
Small Turbocharged Engines Fall Short of Consumer Reports' Expectations
By Jim Sharifi
12:00PM Feb 06, 2013
While some automakers have made a move toward smaller, turbocharged engines
to improve fuel economy in ... 阅读全帖 |
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r*********e
发帖数: 29495 | 4 http://autos.yahoo.com/news/chinese-students-major-in-luxury-ca
html
Chinese students at the University of Iowa began coming into Carousel Motors
in Iowa City about three years ago to get their Mercedes-Benz and Audi luxu
ry cars serviced. Finally, general manager Pat Lind started asking if they'd
ever considered his dealership when they made their original purchase. No,
the students told him. Back in China, they'd been told to buy their wheels i
n Chicago before heading to college.
So Lind bega... 阅读全帖 |
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l****g
发帖数: 5080 | 6 什么叫afford？虽然一般的Benz不超过4个月的工资，但比起camry, 它们那样的价格在
我这里一直也没有被justify，当然corolla我认为小点。当然也可以说我不afford,考
虑以后养老，小孩的大学学费，这点工资真不太够用。也许工资再加倍就能afford，但
我表示严重怀疑。 |
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p*******m
发帖数: 20761 | 7 BenQ Announces HT2550 4K/UHD HDR DLP Projector
by Mark Henninger on November 15, 2017
SHARE (233)COMMENTS (73)
BenQ HT2550 4K UHD HDR DLP Projector
BenQ is best known in AV circles for its highly affordable DLP projectors
that sport highly accurate color right out of the box. The company continues
this trend with the HT2550, a 4K/UHD model that promises to put 8.3 million
distinct pixels up on screen for less than $2000, and it supports HDR.
The HT2550 utilizes single-chip DLP technology with a ... 阅读全帖 |
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r**u
发帖数: 42 | 8 Reveal Navigation Options
The Wall Street Journal
show search
Close Search
Submit Search
850 189
POLITICS AND POLICY
Push to Tax ‘529’ Plans Stokes Debate
Obama Touts Proposal as Means to Restructure Student Aid, but Critics See
Challenges for Middle Class
ENLARGE
By JOSH MITCHELL
Updated Jan. 22, 2015 4:04 p.m. ET
240 COMMENTS
President Barack Obama ’s push to start taxing college-saving accounts,
including the popular “529” accounts, would affect millions of Americans
who are stashing money fo... 阅读全帖 |
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l****n
发帖数: 1171 | 9 我和老公原本挺满意这套房子，因为是南北朝向（阳光从后院洒进family room),旁边
有个小的Park. 我们觉得唯一不好的
是后面小区是Affordable house,但认为有封闭的铁栏杆分割也还ok.可是昨天在签合同
时sales告诉我们铁栏杆那里会有个
Gate(如图红色处），意思是要和Affordable的区share这个Park,我和老公顿时觉得极
大不爽，原因有三，一，安全问题,
二，没有Privacy(Affordable的区在高处，能看到我家院子和二楼卧室）三，resell时
会降低房子本身价值。
现在我们很纠结，不知是否该买。急求各位大侠意见，先谢先！ |
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l****l
发帖数: 3394 | 10 Therefore, lower interest rates on U.S. Treasury notes mean lower rates on
mortgages. This allows homeowners to afford a larger home, and renters to
afford their first home. This increased demand stimulates the real estate
market, which stimulates the economy. Lower mortgage rates also allows
homeowners to afford a second mortgage, which allows them to purchase more
consumer products. This also stimulates the economy. |
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s*******u
发帖数: 1855 | 11 现在打算refin,面临30年还是15年的选择.30年4.375, 15年3.75.loan假设是417K吧.两
个plan,月付差距$950.自住房,打算持有很久(至少5-8年,超过10-15年也可能).
不知道应该选哪一个.双职工,两个选项都能够afford.如果一人失业,能够afford 30年,
afford 15年就非常难.一个问题,看大家说月供不要超过30% income,是税前还是税后
income?
现在做一个算术,考虑15年后的case.15年plan,全部付清.30年plan,还有270,098的
premium left.请问,能不能这样算:这相当于我每个月deposit 950$,然后15年后总回报
270,098.计算一下相当于risk free的回报率5.73%.
但是这个计算没有考虑interest tax deduction.15年之内,30年plan要多付107,337的
interest.假设30%的tax rate,那么30年plan可以多抵掉32201的税.这个税是每年多抵
一部分,换算到15年后,应该大于32201.
这样,实际总回报<2700 |
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i****a
发帖数: 36252 | 12 Affordability. affordability...
When house price drops to a normal level that a normal income family can
afford to buy, the market will stabilize.
Southern CA is still too expansive. |
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M********I
发帖数: 848 | 13 【 以下文字转载自 Detroit_AA_Realestate_Mortgage 俱乐部 】
发信人: MortgageMI (frankofpfc@gmail), 信区: Detroit_AA_Realestate_Mortgage
标 题: What Is HARP? good news for whose house is underwater
关键字: HAPR,贷款，refinance
发信站: BBS 未名空间站 (Tue Oct 25 00:26:28 2011, 美东)
Home Affordable Refinance Program,HARP, was started in April 2009.
In order to be eligible for the HARP refinance program :
1. Your loan must be backed by Fannie Mae or Freddie Mac.
2. Your current mortgage must have been purchased by Fannie Mae ... 阅读全帖 |
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L*****e
发帖数: 2926 | 14 hehe, not BSO for sure. just share.
saving time and making an affordable purchase. that's it.
"女神"=a little bitter higher than affordable/expectation. that's it.
In fact, it's older than what we searching for (at first we search >1995
only). But I do like:
#1 the quality, floor plan and maintenace of the house.
#2 the location of the school community and easy commuting to my office
#3 again, the price is affordable. |
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x****u
发帖数: 12955 | 15 Don't think which rate is a better deal, think about which mortgage would
give you a monthly payment number that you can afford right now. Cost of
buying a house involves mortgage payment, insurance, property tax, utilities
, maintenance and a bit extra set aside for incidentals. It could be
another $400-600 a month on top of your mortgage payment when added together
.
This cost should ideally be less than 1/3 of your monthly net income, so you
can have the house and still afford to have a li... 阅读全帖 |
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w******e
发帖数: 87 | 16
yes. Double this.
But define friends first. Someone you just barely know, or someone are your
really friends in life. (I would go for my friends anyway.)
Someone people just use others for a few bucks. If they can afford that, it
is certainly not acceptable. If they cannot afford that, it is another case.
One time, a postdoc (I barely knew) came to my city and asked me to pick
them up at the airport in rush hours. I was a student and was extremely busy
at that time. I have to reject because it ... 阅读全帖 |
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q*w
发帖数: 52 | 17 Vitamin D Council 要开一个免费诊所。有兴趣的可以关注一下。下面是我收到的
email.
Vitamin D Council
May 19, 2011
On July 1, 2011, the Vitamin D Council is planning to begin a free clinic
for children with autism. My time will be free, the autism assessment scales
will be free, the blood tests will be free, and the vitamin D for the kids
will be free (due to the generosity of Ddrops). We estimate 3-4 clinic
visits will be needed. Anyone in the world with a child with autism can call
and get an appointment to see me. The Vita... 阅读全帖 |
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y***r
发帖数: 458 | 18 所以我们家长要区别开是否能afford和是否是自己的安全感在作祟。
第一代因为语言根基的各种限制，极少能afford在现有环境里运用我提到的第六种技能
。但第一代很多是具备这种天赋的人，不然也不会选择远渡重洋。
第二三代，以前人的积累为基础，应该能够afford一定程度的折腾，就不必太拘泥于一
定要在技能方面拿1００了，只要精力是用在创造的方向上，6０～8０足矣。 |
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G**T
发帖数: 2610 | 19
your
你对你儿子的了解和保护和教育之细腻，是很多父母做不到的。
看到你这个帖子，我忽然明白了为什么前几天有人用“教养控”这个词攻击我： 我曾
有些puzzle的是，我不过说了一些泛泛的话，提到了几次“教养”，为什么会有人那么
受不了？ 为什么有人那么敏感“教养”（or the lack of it)问题？ －－ 尤其那些
既非发言者也非被发言者的旁观者？
你的这个帖子，让我忽然认识到，其实“教养”，是一种luxury －－ 很多父母根本不
能afford对他们自己的孩子，做到你对你自己孩子的作为。养出来的孩子，行为和心态
自然就不同。 但那些做不到的父母，绝对不愿意承认自己的孩子行为差 －－ 你付出
了身心努力才得到的，他们也想要。
仔细想想，各方面都可以类比。 拥有luxurious的东西，是要付出代价的。 没有这个
luxury的人，是要嫉妒恨的。luxury，是越买不起的人越想要的（所以会恼怒）。
luxury，是越能afford它的人越不需要用它来炫耀而只是enjoy它，越没有的人越需要
它的炫耀价值而不是其使用价值的。。。。。
让孩子和自己拥有很好的教养，是个昂贵的lu... 阅读全帖 |
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G**T
发帖数: 2610 | 21
骂人就是你自己傻掉了。
其实你当时最最应该做的 －－ 听好了，下次记住：－－ 就是，上去质问她的mitbbs
id!!!
整不好，就是版上某反 “教养控” 的id呢！ :)
lol ... 大家为了孩子群殴，然后都很悲愤的说，去尼玛的教养，有什么狗用，只能吃
亏！ 这是妈妈们整体放弃教养的spiral down的必经之路！
玩笑开完了，我告诉你一个秘密： 跟对方比谁更low，不是好策略。 输了，你很不爽
。 赢了 － 比对方更low你才能赢 － 你会更不爽。 :)
[补充] 教养确实是个luxury － 你只想着教孩子be nice了, 忘了还有是否能afford
to be nice的问题。 如果不能afford － 即没有办法让孩子不跟没教养的人在一起混
－ 就不应该教孩子be nice。
确实有人一辈子都很nice还活得不错 － 但他们是有代价的： 必须能afford不跟A-
hole们混在一起，而不是打赢那样的人。 有时候这个是需要discipline， 还有时候就
是得有钱。 有时候是both。 |
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z*****a
发帖数: 3809 | 22 【 以下文字转载自 Investment 讨论区 】
发信人: rtyu (ccaarr), 信区: Investment
标 题: Obama提案对529 plan征税
发信站: BBS 未名空间站 (Fri Jan 23 11:43:54 2015, 美东)
Reveal Navigation Options
The Wall Street Journal
show search
Close Search
Submit Search
850 189
POLITICS AND POLICY
Push to Tax ‘529’ Plans Stokes Debate
Obama Touts Proposal as Means to Restructure Student Aid, but Critics See
Challenges for Middle Class
ENLARGE
By JOSH MITCHELL
Updated Jan. 22, 2015 4:04 p.m. ET
240 COMMENTS
President Barack Obama ’s push to sta... 阅读全帖 |
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a*****g
发帖数: 19398 | 23 摘要：
有的学生饭卡上没钱了——
学校不玩大方，被媒体一顿臭骂
学校玩大方的，结果欠一屁股账没人管
Like many parents of school-age children, Frances Frost tries to keep up
with the papers sent home in her daughter Natalie’s backpack. Sifting
through permission slips, picture day fliers, field-trip notices, and other
forms seems like a daily occurrence, and often somewhere lost in the pile is
a reminder to send money to her fifth-grader’s school cafeteria. As the
mother of four, refilling school lunch accounts is second nature by now, but
last ... 阅读全帖 |
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b*****9
发帖数: 8922 | 24 ☆─────────────────────────────────────☆
yugong (愚公挖坑) 于 (Sat Aug 7 10:44:01 2010, 美东) 提到:
很多没结婚，工作了5，6年的27，28岁的外地来沪年轻白领的月消费是这样的：
1.租房 1500老公房，1室户，全装修，带电器空调，厨房卫生间。非市中心区。
2.吃，早餐豆浆油条或者炸糍粑，小饼包子什么的，3块钱 。中餐公司附近，10-15元
，晚饭也在外面吃10-15。一般都是桂林米粉，拉面，各种盖浇饭，骨头汤菜饭一类的
。一个月一般1000。
3.行：一般作地铁，一天来回10块，一个月22天上班，220。
4.ADSL+座机和电话费200快，水电煤气300块。手机费50，总共550
这是基本生活消费了，大约要花掉3000-4000了。也就是税前工资要达到6000-7000左右。
到不了这个数的就要考虑和朋友合租，在吃上面省一点了。
剩下的就是出去唱歌喝酒买衣服等等了，这个没有底了。
☆─────────────────────────────────────☆
purity (purit... 阅读全帖 |
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c*********o
发帖数: 8367 | 25 easy, tiger. why 80后 should be able to afford a house? even generally, why
everybody should be able to afford a house?
There have to be somebody not able to afford a house,no matter which country. |
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p******e
发帖数: 17163 | 26 yup, at least u still got something left. u only lost what u can afford.
while i lost beyond what i can afford to.
that said, if u still can afford to lose, i still think buying near term put
is a good play. at least that's what i'll do if i can. but then u probably
shouldnt listen to me as my record is horrible.
good luck and cheer up, knowing that i'm in shittier position. as i always
tell myself, there r always pple in shittier position. |
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B******e
发帖数: 16928 | 27 就是中国土壤污染问题严重，每天吃饭相当于慢性中毒，这个基本问题不解决剩下的都
是浮云。
The bad earth:The most neglected threat to public health in China is toxic
soil
And fixing it will be hard and costly
Print edition | Briefing
Jun 8th 2017 | SHIQIAO, HUNAN PROVINCE
TANG DONGHUA, a wiry 47-year-old farmer wearing a Greenpeace T-shirt, smokes
a cigarette and gesticulates towards his paddy fields in the hills of
southern Hunan province. The leaves of his rice plants poke about a foot
above water. Mr Tang says he expects to harvest about ... 阅读全帖 |
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G****y
发帖数: 3537 | 28 Why not just google?
---------------------
Here is what I found after couple clicks:
“Lawfully Present” Individuals Eligible under the Affordable Care Act.
What are the statutory exemptions from the requirement to obtain minimum
essential coverage?
4. Income below the income tax return filing requirement. Your income is
below the minimum threshold for filing a tax return. The requirement to file
a federal tax return depends on your filing status, age and types and
amounts of income. To find ou... 阅读全帖 |
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l****z
发帖数: 29846 | 29 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: NBC的左逼发现他们自己的医疗保险因为疤蟆care要涨了
发信站: BBS 未名空间站 (Thu Oct 31 00:16:30 2013, 美东)
NBCUniversal’s Insurance Premiums to Rise Due to Obamacare
By Sean Long | October 30, 2013 | 17:22
CNBC’s morning anchors were troubled by the news that their own insurance
plans will become more costly under the Affordable Care Act (ACA).
On Oct. 30’s “Squawk Box,” CNBC Senior Correspondent Scott Cohn revealed
details of NBC’s open enrollment, brandishing ... 阅读全帖 |
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l****z
发帖数: 29846 | 30 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: Fannie, Freddie又要开始制造房产泡沫了
发信站: BBS 未名空间站 (Mon Dec 8 17:15:20 2014, 美东)
Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage
Program
Now that home prices have recovered and homes are not the bargain they were
four years ago, it is fitting the parasites once again want to make homes "
affordable" to the masses with low-down payment options.
Please consider Fannie Mae, Freddie Mac detail plans for 3% down-payment
... 阅读全帖 |
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l****z
发帖数: 29846 | 31 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: 支持巴马care的哈佛教授们现在傻比了
发信站: BBS 未名空间站 (Mon Jan 5 15:25:35 2015, 美东)
Health Care Fixes Backed by Harvard’s Experts Now Roil Its Faculty
By ROBERT PEAR
January 5, 2015
WASHINGTON — For years, Harvard’s experts on health economics and policy
have advised presidents and Congress on how to provide health benefits to
the nation at a reasonable cost. But those remedies will now be applied to
the Harvard faculty, and the professors are in an upr... 阅读全帖 |
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b*********3
发帖数: 82 | 32 是的，区是好区。已经住进去的几户住户看着都还不错（不是affordable housing的)
这正是新开发的社区，规定了一定比例的affordable housing.另外一个town的新区也是这样的。
我们也许可以避开和affordable housing 紧挨着，不过这样的社区里有这样的住户是一定的。
大家有类似经验么？ |
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c**m
发帖数: 1457 | 34 There are lots of discussions on regarding to buyer agent rebate recently on
this board. In most people's impression, buyer agent is just about opening
the door and writing offer, this is how RedFin's business model works as
well. A good agent could do much more than that. Here are some benefits that
a good buyer agent could provide you:
1. Financial Affordability analysis for you. If your agent has good mortgage
knowledge, or he can work with a mortgage professional to do this, it’s a
big plus.... 阅读全帖 |
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b**********s
发帖数: 9531 | 36 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: 支持巴马care的哈佛教授们现在傻比了
发信站: BBS 未名空间站 (Mon Jan 5 15:25:35 2015, 美东)
Health Care Fixes Backed by Harvard’s Experts Now Roil Its Faculty
By ROBERT PEAR
January 5, 2015
WASHINGTON — For years, Harvard’s experts on health economics and policy
have advised presidents and Congress on how to provide health benefits to
the nation at a reasonable cost. But those remedies will now be applied to
the Harvard faculty, and the professors are in an upr... 阅读全帖 |
|
b*****s
发帖数: 11267 | 37 ☆─────────────────────────────────────☆
bigbigbee (大蜜峰:苏律) 于 (Thu Aug 2 18:16:38 2012, 美东) 提到:
说牛学区，主要是说中学，尤其是高中。
☆─────────────────────────────────────☆
CozyHome (Cozy Home) 于 (Thu Aug 2 18:22:04 2012, 美东) 提到:
再好的公立高中也上不了几个藤校
☆─────────────────────────────────────☆
shanshanrain (Sunshine) 于 (Thu Aug 2 18:23:05 2012, 美东) 提到:
其实我觉得初中差一点可以忍受，因为实在不行就去私立，只有三年，也没有高中那么
贵。小学差去私立钱就比较多了。进公立高中还不就是省钱么。虽说小学对孩子的影响
不像高中那么大，但还是有影响的。环境造人，从小就要把关啊
说牛学区，主要是说中学，尤其是高中。
★ Sent from iPhone App: iRea... 阅读全帖 |
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g******4
发帖数: 6339 | 38 GLENVIEW, Ill.—This town boasts stellar schools, two golf courses, a
children’s museum, and the corporate offices of a handful of big companies,
including Kraft Foods. Many wealthy, white communities like this one would
not welcome an affordable housing development. Perhaps residents wouldn’t
say so outright, but instead they might pass laws prohibiting apartment
buildings or deny permits to units targeted at low-income people.
But that’s not the case here. A 20-unit development called Greenleaf... 阅读全帖 |
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r*z
发帖数: 1679 | 39 "The best public schools in Buckhead are in VERY expensive areas. Warren T.
Jackson Elementary serves West Buckhead from the zip 30327 with a couple of
hundred homes from 30342 and 30305 as well. The school has the IB program at
the elementary level and IMHO is the second best public school in the state
, next to Kittredge. Statistically it is ranked in the top five. Zip 30327
has a medium home value of $964,000 and each year homes get more expensive
in the area. Note that if you look up homes i... 阅读全帖 |
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r*********e
发帖数: 29495 | 41 【 以下文字转载自 Automobile 讨论区 】
发信人: renaissance (ole), 信区: Automobile
标 题: Chinese students major in luxury cars
发信站: BBS 未名空间站 (Wed Jan 8 15:49:47 2014, 美东)
http://autos.yahoo.com/news/chinese-students-major-in-luxury-ca
html
Chinese students at the University of Iowa began coming into Carousel Motors
in Iowa City about three years ago to get their Mercedes-Benz and Audi luxu
ry cars serviced. Finally, general manager Pat Lind started asking if they'd
ever considered his dealership when they made... 阅读全帖 |
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i****a
发帖数: 36252 | 42 http://www.npr.org/2010/11/22/131513165/born-in-the-u-s-a-some-chinese-
plan-it-that-way?ft=1&f=1001
Like any responsible pregnant woman, Chen Lei (not her real name) wants
the best for her unborn child. She and her husband live in Shanghai and
both work for a foreign IT company and they have more choices than their
parents' generation could even dream of.
So Chen, 30, is one of an increasing number of mainland Chinese women
who are taking advantage of a loophole in American law to travel to the... 阅读全帖 |
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p*******s
发帖数: 767 | 43 你说选择住jersey city的人都是因为不能afford Manhattan房价的，那么大部分住
suburb的 人同样不能afford city的房价。你说的老印IT，在newport那一带的确有很
多，但是那些人大都是single,他们也不会留在jersey city / hoboken结婚生子，恰恰
是那些人有小孩以后都搬去suburb住house了。留下的才是真正可以afford这里房价的
人: )
jersey city / Hoboken河边的两房一厅condo，如果你去查一下的话，基本都是至少
700K以上接近一个米的，加上一年两万左右的tax and maintainance.选择住在这里的
人都是为了享受便利以及生活质量而不是省钱，因为花同样的钱，到远处，可以买大
house. |
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j**4
发帖数: 10425 | 45 xiang3 zhe yao4 jia4 ren2. ni3 men2 kan4 kan4 zhe4 shi4 jie4 shang4 you3
duo1 shao3 ren2 sheng1 huo2 zai4 shui3 sheng1 huo3 re4 zhi1 zhong1 !!!
=====================================================================
At a food pantry in a Chicago suburb, a 38-year-old mother of two breaks
into tears.
She and her husband have been out of work for nearly two years. Their house
and car are gone. So is their foothold in the middle class and, at times,
their self-esteem.
"It's like there is no way out,... 阅读全帖 |
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q*********9
发帖数: 18 | 46 Williamsburg is better loction,Many ethnic groups have enclaves within
Williamsburg, including Italians, Puerto Ricans, and Dominicans. There is
also a number of Hasidic Jews. It is also an influential hub for indie rock,
hipster culture, and the local art community. The neighborhood is being
redefined by a growing population and the rapid development of housing and
retail space.
On May 11, 2005, the New York City Council passed a large-scale rezoning of
the North Side and Greenpoint waterfront.... 阅读全帖 |
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b**********u
发帖数: 2817 | 47 Las Vegas Region November Home Sales
Las Vegas-area home sales fell last month to the lowest level for a November
in five years, the result of a constrained supply of homes for sale, waning
affordability and the ongoing decline in investor purchases. The median
sale price dipped slightly month-to-month but was still 26 percent higher
than a year earlier, marking the 20th consecutive month with a year-over-
year gain, a real estate information service reported.
In November, 3,539 new and resale h... 阅读全帖 |
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s****t
发帖数: 1049 | 48 我怎么觉得已经挺贵了啊，一般affordability的标准是月收入的1/3用于还贷款吧，现
在很一般的房子都需要占到我税后收入的一半了，如果五六十万的，估计每个月都会开
始影响吃饭了，已经远远超过affordability的标准了，所以就根本买不起了。如果你
觉得现在房子很便宜，而且crash那个时候也不贵，看来是我混的太惨了，唉。要是真
是今年再涨20%，就更买不起了。好像另一个标准是房租/房价不应该小于9%，感觉这边
都只有3%
另外我觉得上次crash， 不能说房价不贵而只是因为信贷宽松。假设房价会一直上涨，
信贷再宽松也不会崩盘。只有超过affordability太多，无人再买的起没人接盘了，银
行才会收紧信贷上涨利率，然后房价下跌，这个时候才有人开始underwater然后 引发
信贷危机。如果真象你说的 当时的房价真是非常便宜，很难想象在一个便宜的房价的
环境下，会引发上次的crash |
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m*j
发帖数: 2 | 50 看完他blog的《现在在哪里买房风险小》，我只能笑着摇摇头。在我眼里，这个列表与
其说是“风险小”列表，不如说是“房子难涨地区列表”。试论证一二：
1. 常言道“强者恒强，弱者恒弱”。NYC, SF地区房价高企不是一年两年了，支撑房价
的不是那个affordability的percentage，而是能afford的人口数和房子总数的比例。
这里看百分比是没有多大意义的。只要还有人能买得起还愿意买，即使affordability
只有15%又如何呢？
2. 正如high tech公司的P/E要远大于钢铁企业的P/E，一个就业繁荣，前景美好的地区
，其“风险”程度必然大于一个in the middle of nowhere的城市。公司，房产开放商
，和各种就业人群，都满怀希望在这里落户，希望能成功。那么，这样地区的房屋的确
会比较热销。现在已经经过了2000年的泡沫，在商业租价稳中有落的情况下，居民房价
仍在不断攀升，充分说明高收入的人口在不断增长并愿意在此扎根。他们或者是刚刚移
入，或者是经过几年的积累达到了高收入的标准。
3. 在房屋贷款利率可以抵税的情况下，高房价地区的居民有很强的意 |
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