q*z
发帖数: 13362 | 1
问这个问题的人没搞清楚情况
买房的一大好处是通过morgage抵税
所以计算自己affordable的能力时
一定要估税进行计算
用税后收入毫无意义
最好提供当地的property tax税率
state tax大约税率
自己认为能承受的每月最小开支
有些人简单的认为死撑是不顾一切的买大房
相反,在手里有相当多equalty的时候
你还是可以maxmize你的equalty loan
考虑到equalty loan的insterest省税
你的税率如果在30%,目前来说你的morgage
实际利率是4%左右,你就算是拿钱去买bonds
回报也比这个高,买muni bonds还不交税
就我个人意见
x6是一个完全可以做到的事,完全comfortable
x7有些难度了 |
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p****u
发帖数: 2596 | 2 我可没有拿奖学金，你以为都跟你一样交不起学费啊？ 更不向你那么点申请费都厚这脸皮去免, 不脸红啊。
我每个月捐200$ dollar给marriage equalty，你要不要match一下？？ |
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m******i
发帖数: 125 | 3 你家经济条件好，估计能承受。
我昨晚仔细算了算，两个房贷，加上还401K,还equalty loan，除去基本的吃穿用度，
一个月还要赤字几百块钱。现在连savings也没有了，不知道这几百块钱从哪里来，还
是咬牙索性损失个75K左右把第一个房子在最短时间内甩卖了。。。
即便这次家里的经济危机挺过来，这个婚姻也不可能回到从前了。太伤了。 |
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gr
发帖数: 2958 | 4 不过前雇主的401K里面有vanguard US equalty fund，目前就买的这个，这个是不是就
是index fund，如果转到vanguard还是买index fund是不是就不用转了？ |
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l***r
发帖数: 473 | 5 非cs专业不是fresh的MS,base 95k，equalty 0.2%,我拿到7000多股，公司20人左右
offer上没有401k,没有医保，没有假期，来班上问问现在一般的startup都是“三无”
吗？如果是这样，base是不是给的有点低？
刚问了，假期有的，和一般大公司差不多一样的制度，公司环境我很喜欢，打算签了。 |
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g******r
发帖数: 7 | 6
card
the
u did not get the point, the key is in a worst financial situation, u cannot
get rid of ur home equalty loan but u can clear ur credit card and other
unsecure loan. in both cases, ur credit history is ruined. no exemption.
in any case, ur credit history will last up to 10 yrs. so ppl file Ch7 have
two choices, one is get a cash secure credit card to rebuild credit, another
is wait 10 yrs b4 doing anything. that is the trade-off :) |
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g******r
发帖数: 7 | 7
card
the
u did not get the point, the key is in a worst financial situation, u cannot
get rid of ur home equalty loan but u can clear ur credit card and other
unsecure loan. in both cases, ur credit history is ruined. no exemption.
in any case, ur credit history will last up to 10 yrs. so ppl file Ch7 have
two choices, one is get a cash secure credit card to rebuild credit, another
is wait 10 yrs b4 doing anything. that is the trade-off :) |
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H*******n
发帖数: 7 | 8 在 Mclean 60 万左右可以买一个比较好的Townhouse, 不建议你买condo, single
house. 这儿的独立房都很老(新房除外),会有很多工作.
你可以从国内挪一些钱出来,现金买了以后再做home equalty loan. Mclean 和 Oakton
的区别在于离DC的距离。离DC越近越贵。
我觉得你会喜欢DC。生活也很方便，学校也很好。 |
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c**********l
发帖数: 606 | 9 YJJ has the point that he is playing players, more than the hole cards.
that's a very important concept, esp. in the end games. actually, against
weak tight players, the correct range for 3-betting/all-in is usually much
wider than most of us thought.
in order to live, you must be willing to die. being the aggressor at least
gives you fold equalty, which is insanely huge in the end game, esp. near
bubble. the weak tight players are cowards. if they are willing to pay
extra insurance to sur |
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c**********l
发帖数: 606 | 10 YJJ has the point that he is playing players, more than the hole cards.
that's a very important concept, esp. in the end games. actually, against
weak tight players, the correct range for 3-betting/all-in is usually much
wider than most of us thought.
in order to live, you must be willing to die. being the aggressor at least
gives you fold equalty, which is insanely huge in the end game, esp. near
bubble. the weak tight players are cowards. if they are willing to pay
extra insurance to sur |
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c*****a
发帖数: 447 | 11 the rule of tumb is always put as much money into the pot as possible when
you have better than 50% to win. the straight flush combo draw is about 51
% to 49% agianst two pairs. and about 52% to 48% against an over pair.
and going all in first comes with fold equalty.
two more things to consider. 1. it is very difficult to get people's whole
stack with a made flush/straight. that is why people prefer to set mine.
very difficult to tell a set but most people can read flush/straight boa |
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p****r
发帖数: 9164 | 12 +1
From genius28 point of view, think about David's river value check/raise
range.
David would not check/raise with any one pair hand on the river. He would
prolly play 2 pairs hand faster on the flop. The check/calling range from
David can rep a lot of strong range. David can cleary rep a set or flopped
straight(most likely) when check/raising on the river.
From Qiu's side, the turn check from genius could be a clearly a pot
control move for one pair hand w/ showdown equalty. The river... 阅读全帖 |
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p*******p
发帖数: 13670 | 13 而且还有4个绝对outs， 16% 的equalty也不少了
top
more |
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w****w
发帖数: 14828 | 14 indeed
soulmate menas equalty, not 附庸 |
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