R*****d
发帖数: 620 | 1 是每月按当初的付，过几年赞一些钱多付一些，
还是每月多付一点principle？
到底怎样付合算些？求教。 | z**********i
发帖数: 12276 | 2 我们从这个月开始付,还没计划.
这个怎么样合理要看每家的具体情况.
【在 R*****d 的大作中提到】
: 是每月按当初的付，过几年赞一些钱多付一些，
: 还是每月多付一点principle？
: 到底怎样付合算些？求教。
| R*****d
发帖数: 620 | 3 这个“看每家具体情况”是啥意思？思说按能力来付吗？
我是说在能力允许的范围内怎样付好。
【在 z**********i 的大作中提到】
: 我们从这个月开始付,还没计划.
: 这个怎么样合理要看每家的具体情况.
| z**********i
发帖数: 12276 | 4 我的想法是，比如每个月付了所有的费用后，平均每月还有１０００的剩余，可以考虑
放进去，或做其他的投资，或考虑大的ＵＰＧＲＡＤＥ？
是不是做个ＤＥＣＫ？是否外墙需要重新喷漆？是否ＲＯＯＦ换一下？是否地下室改造
？厨房是否改造一下？．．．．
【在 R*****d 的大作中提到】
: 这个“看每家具体情况”是啥意思？思说按能力来付吗？
: 我是说在能力允许的范围内怎样付好。
| g*****9
发帖数: 4125 | 5 Pay as little as you can, never pay off, refi every few years, your goal is
to max the amount of debt you have when you die and max the amount of fun
you have when you are still young.
Most chinese people got it all wrong, when they are young and strong they
should be borrowing and spending money to have fun, otherwise when they get
old, they are not capacable of having much fun anymore when they end up with
lots of money.
【在 R*****d 的大作中提到】
: 是每月按当初的付，过几年赞一些钱多付一些，
: 还是每月多付一点principle？
: 到底怎样付合算些？求教。
| s*i
发帖数: 5025 | 6 提壶
灌
顶
is
fun
they
get
with
【在 g*****9 的大作中提到】
: Pay as little as you can, never pay off, refi every few years, your goal is
: to max the amount of debt you have when you die and max the amount of fun
: you have when you are still young.
: Most chinese people got it all wrong, when they are young and strong they
: should be borrowing and spending money to have fun, otherwise when they get
: old, they are not capacable of having much fun anymore when they end up with
: lots of money.
| R*****d
发帖数: 620 | 7 What a about in a couple of years I want to sell this place? Most people
would not stay at one place in their entire life. If I want to sell it later
, how should I pay the mortgagte now?
is
get
with
【在 g*****9 的大作中提到】
: Pay as little as you can, never pay off, refi every few years, your goal is
: to max the amount of debt you have when you die and max the amount of fun
: you have when you are still young.
: Most chinese people got it all wrong, when they are young and strong they
: should be borrowing and spending money to have fun, otherwise when they get
: old, they are not capacable of having much fun anymore when they end up with
: lots of money.
| g*****9
发帖数: 4125 | 8 Same strategy.
If you buy another house you can use 1034 exchange.
If you do not buy another house, you can pocket the gain tax free (assume
you have lived in this one for more than 2 out last 5 years)
The goal of the game is to find ways to borrow as much money as you can and
spend all of them to enjoy life.
So when you die, you max out your credit and have $0 left in your bank.
later
【在 R*****d 的大作中提到】
: What a about in a couple of years I want to sell this place? Most people
: would not stay at one place in their entire life. If I want to sell it later
: , how should I pay the mortgagte now?
:
: is
: get
: with
| g*******2
发帖数: 3306 | 9 怪不得好多好莱坞明星死的时候有一大堆的债，自己住的是纽约的公寓。。。
and
【在 g*****9 的大作中提到】
: Same strategy.
: If you buy another house you can use 1034 exchange.
: If you do not buy another house, you can pocket the gain tax free (assume
: you have lived in this one for more than 2 out last 5 years)
: The goal of the game is to find ways to borrow as much money as you can and
: spend all of them to enjoy life.
: So when you die, you max out your credit and have $0 left in your bank.
:
: later
| f********r
发帖数: 3155 | 10 interesting point.
By the time you retire, how do you make mortgage payment with much less
income?
is
get
with
【在 g*****9 的大作中提到】
: Pay as little as you can, never pay off, refi every few years, your goal is
: to max the amount of debt you have when you die and max the amount of fun
: you have when you are still young.
: Most chinese people got it all wrong, when they are young and strong they
: should be borrowing and spending money to have fun, otherwise when they get
: old, they are not capacable of having much fun anymore when they end up with
: lots of money.
| | | g*****9
发帖数: 4125 | 11 Yes, they know how this game is played.
Lots of chinese people work hard to make money, but put them in the bank or
invest them, so people like 好莱坞明星 can borrow them and really enjoy life.
I am not sure this is sad or not, but life is too short to just die with
bunch of 0s to your name.
Enjoy while you are still young to have some fun.
【在 g*******2 的大作中提到】
: 怪不得好多好莱坞明星死的时候有一大堆的债，自己住的是纽约的公寓。。。
:
: and
| g*****9
发帖数: 4125 | 12 When you are young, you need more money, bacause you can climb the mountain,
sail the ocean, when you are old (not sure when you plan to retire), you
only need minimum of money to live on because you may not have the strength
to climb any mountain, you may not be able to eat the good food because you
have some health condition. And there is always some kind of accident risk
of you not living to the age you hope to.
Most chinese live (spend the money) wrong way, they work hard to save money
when
【在 f********r 的大作中提到】
: interesting point.
: By the time you retire, how do you make mortgage payment with much less
: income?
:
: is
: get
: with
| p********r
发帖数: 1980 | 13 That's true. Never save too much money in expectation of using it after
retirement. Truth is, no one knows if he can live until retirement.
Enjoy life while you can.
mountain,
you
strength
because you
risk
money
prime time
years
【在 g*****9 的大作中提到】
: When you are young, you need more money, bacause you can climb the mountain,
: sail the ocean, when you are old (not sure when you plan to retire), you
: only need minimum of money to live on because you may not have the strength
: to climb any mountain, you may not be able to eat the good food because you
: have some health condition. And there is always some kind of accident risk
: of you not living to the age you hope to.
: Most chinese live (spend the money) wrong way, they work hard to save money
: when
| p********r
发帖数: 1980 | 14 That's not entirely true. While it is good to have debt, you may not
want to use it all upfront. For example, many chinese pay off the first
house and then buy another bigger house to enjoy. There is nothing
wrong with that as well. You don't want to end up like American working
after retirement just to service debts. As long as one does not
aggressively cut spending just in order to pay off the house earlier,
because that would be really dumb.
Why not enjoy steak whenever you want, instead of e
【在 g*****9 的大作中提到】
: Pay as little as you can, never pay off, refi every few years, your goal is
: to max the amount of debt you have when you die and max the amount of fun
: you have when you are still young.
: Most chinese people got it all wrong, when they are young and strong they
: should be borrowing and spending money to have fun, otherwise when they get
: old, they are not capacable of having much fun anymore when they end up with
: lots of money.
| g*****9
发帖数: 4125 | 15 I agree with your "you may not want to use it all upfront."
In ideal situation when you die, you want two things to happen, you do not
have ability to borrow any more money (max out your credit), you have used
up all the money you have (zero out your cash).
But we do not live in ideal situation, so can not achieve this. But if you
are good, you can get it pretty close.
Since you can bring any money into this world or take it with you when you
leave. It is best you spend most of it when you can,
【在 p********r 的大作中提到】
: That's not entirely true. While it is good to have debt, you may not
: want to use it all upfront. For example, many chinese pay off the first
: house and then buy another bigger house to enjoy. There is nothing
: wrong with that as well. You don't want to end up like American working
: after retirement just to service debts. As long as one does not
: aggressively cut spending just in order to pay off the house earlier,
: because that would be really dumb.
: Why not enjoy steak whenever you want, instead of e
| R*****d
发帖数: 620 | 16 Hi, zhonda
I found your point of view interesting. Why do you always mention: life is
short?:)
I think one can enjoy life and does not have to be pennyless at the end of
their life. Even for real rich people I don't think when they die they don't
want to be pennyless. We have family members and loved ones in this world,
even I didn't spend all my money and if I could have some "left over" for
them, I'm satisfied with my life.
I think no matter on western culture or easter culture, having some mo
【在 g*****9 的大作中提到】
: I agree with your "you may not want to use it all upfront."
: In ideal situation when you die, you want two things to happen, you do not
: have ability to borrow any more money (max out your credit), you have used
: up all the money you have (zero out your cash).
: But we do not live in ideal situation, so can not achieve this. But if you
: are good, you can get it pretty close.
: Since you can bring any money into this world or take it with you when you
: leave. It is best you spend most of it when you can,
|
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