k*********d
发帖数: 533 | 1 要多少钱？50万？SFH最好，condo也行。
在哪些区找？北NJ？Queens?
家庭年收入才十二万，一个小孩，能活吗？
先谢过各位大侠！ | w****u
发帖数: 3147 | | i*****g
发帖数: 2564 | 3 2 hours one-way? There are plenty of choices depending on what is your
definition of 学区房? What ranking is acceptable to you?
【在 k*********d 的大作中提到】
: 要多少钱？50万？SFH最好，condo也行。
: 在哪些区找？北NJ？Queens?
: 家庭年收入才十二万，一个小孩，能活吗？
: 先谢过各位大侠！
| k*********d
发帖数: 533 | 4 对，2 hour one-way。因为一人可以telecommute，一周进城两次，另一人打算在家附
近找工作。
孩子还小，对学区 ranking没概念啊。9分可以了吧？
【在 i*****g 的大作中提到】
: 2 hours one-way? There are plenty of choices depending on what is your
: definition of 学区房? What ranking is acceptable to you?
| i*****g
发帖数: 2564 | 5 Since you can do you 2 hours one-way, you have a lot of choices including a
few (very old) houses at Great Neck South.
Here is a list of the usual suspects:
LI - Jericho, Syosett, Garden City, New Hyde Park, Floral Park, Roslyn
Heights, etc..
NJ - Princeton Junction (West Windsor), Basking Ridge.
Probably many more that I have not listed including upstate and CT.
For LI & upstate, take a look at Redfin. For NJ, try searching with Trulia.
【在 k*********d 的大作中提到】
: 对，2 hour one-way。因为一人可以telecommute，一周进城两次，另一人打算在家附
: 近找工作。
: 孩子还小，对学区 ranking没概念啊。9分可以了吧？
| l********l
发帖数: 9452 | 6
2 hours...oc eastern long island
【在 k*********d 的大作中提到】
: 要多少钱？50万？SFH最好，condo也行。
: 在哪些区找？北NJ？Queens?
: 家庭年收入才十二万，一个小孩，能活吗？
: 先谢过各位大侠！
| i********e
发帖数: 1488 | | d****n
发帖数: 12461 | 8 The True Cost of Commuting
http://www.mrmoneymustache.com/2011/10/06/the-true-cost-of-comm
It was a beautiful evening in my neighborhood, and I was enjoying one of my
giant homebrews on a deck chair I had placed in the middle of the street, as
part of a nearby block’s Annual Street Party.
I was talking to a couple I had just met, and the topic turned to the beauty
of the neighborhood. “Wow, I didn’t even realize this area was here”,
the guy said, “It’s beautiful and old and the trees are giant and all of
the families hang out together outside as if it were still 1950!”. “Yeah”
, said his wife, “We should really move here!”.
Then the discussion turned to the comparatively affordable housing, and the
other benefits of living in my particular town. By the end of it, these
people were verbally working out the details of a potential move within just
a few months.
Except their plan was absurd.
Because these two full-time professional workers currently happen to live
and work in “Broomfield”, a city that is about 19 miles and 40 minutes of
high-traffic driving away from here. They brushed off the potential commute
, saying “Oh, 40 minutes, that’s not too bad.”
Yes, actually it IS too bad! … But this misconception about what is a
reasonable commute is probably the biggest thing that is keeping most people
in the US and Canada poor.
Let’s take a typical day’s drive for this self-destructive couple. Adding
38 miles of round-trip driving at the IRS’s estimate of total driving cost
of $0.51 per mile, there’s $19 per day of direct driving and car ownership
costs. It is possible to drive for less, but these people happen to have
fairly new cars, bought on credit, so they are wasting the full amount.
Next is the actual human time wasted. At 80 minutes per day, the self-
imposed driving would be adding the equivalent of almost an entire work day
to each work week – so they would now effectively be working 6 days per
week.
After 10 years, multiplied across two cars since they have different work
schedules, this decision would cost them about $125,000 in wealth (if they
had for example chosen to put the $19/day into extra payments on their
mortgage), and 1.3 working years worth of time, EACH, spent risking their
lives daily behind the wheel*.
That’s EVERY ten years. And that’s with a commute that most Americans
claim is “not too bad”.
You’ll note that most 30-year-old couples today, about 10 years into
adulthood, don’t even have $125,000 in net worth. And they probably drive
around quite a bit in expensive financed cars, mostly as part of a self-
imposed commute. These facts are directly related!
The alternative I would have recommended to this couple, if they had asked
my opinion, would be to make sure their house is within biking distance of
both jobs, immediately sell both borrowed cars and replace them with a
single ten-year-old manual transmission hatchback, and finally, let the good
times roll. Setting aside $10k to keep the new car on the road, they will
certainly enjoy their $115,000 of extra cash after ten short years, and if
they combine this trick with a few of the other MMM classics, they’ll be
able to move to historic old-town Longmont as EARLY RETIREES within ten
years, instead of being broke wage slaves still commuting out of here every
morning when the year 2021 rolls around.
Now, I will admit that it is possible to bring your cost per mile down
somewhat. That’s one of my own specialties, which is why I still keep a car
of my own around for affordable family roadtrips. If you buy the right car
for $5,000, you might be able to squeeze 100,000 miles out of it with no
major repairs. In this case the car depreciation is 5 cents per mile.
Gas, at $3.50 per 35 miles (assuming 35MPG), is 10 cents/mile
Tires, at $300 per 50,000 miles are 0.6 cents
Oil, at $25 per 5,000 miles is 0.5 cents
Miscellaneous things like wipers and occasional maintenance visits: $200 per
20,000 miles = 1 cent
So the ultimate cheap driving in a paid-off economy car still costs at least
17 cents per mile. Most people cannot drive this cheaply. And this is
ignoring the cost of insurance since I’ll assume you’d have a car even if
you didn’t commute to work. Most people aren’t willing to go completely
car-free (although if you are, good for you!).
Besides the option of picking a home close to wherever your work happens to
be, there may also be the option of picking a job that is close to your home
in the town of your dreams. Get a new job! (There are apparently plenty of
them here in my own city, many being worked by people who commute in from
other places, even while an equal number of people commute OUT of my town to
work somewhere else).
But despite the availability of both of these options, the idea of living
close to work still seems to be completely alien to most people I’ve met.
While I would personally consider it far more important than even the salary
or the work performed, most people put commute distance below house price,
perceived school quality, and neighborhood preference. With such a low
threshold placed on commuting, most people don’t even put a reasonable
effort into creating a nice local lifestyle for themselves. As you saw with
the couple in my example above. They were willing to go from their existing
negligible commute, to an Insane Asylum 80 minute round trip, just because
they liked the scenic and neighborly vibe of my neighborhood.
“Schools” are often used as an excuse as well, but until you’ve reviewed
every close-to-work school personally and interviewed the principal, you
might be making quite a bad trade-off for your kids. What’s better –
higher standardized test scores and more rich kids, or real-world diversity
and an extra two hours to spend with Mom and Dad every day reading books?
And how about an extra $300 grand or so towards the college fund, that you
didn’t burn up in cars and gas during her school career?
To put things back on par, let’s whip up a couple of quick commuting
equations. Let’s assume the average person’s marginal driving cost is
halfway between the Ultra-Mustachian driver figure of 17 cents per mile, and
Uncle Sam’s generous 51 cent allowance. So, 34 cents. Let’s also assume
the value of a person’s time is $25 per hour, since this is close to a
median wage for a suburban commuter. (If you don’t think you’d use your
newfound leisure time that productively, you need to think more like an
Early Retiree. I used mine for plenty of learning and domestic insourcing).
For each mile you drive across two times on your round trip to work daily,
it multiplies to 500 miles per year, or a $170 annual fee
For each of these miles, you waste about 6 minutes in the round trip, adding
to 25 hours per year ($625 of your time).
So each mile you live from work steals $795 per year from you in commuting
costs.
$795 per year will pay the interest on $15,900 of house borrowed at a 5%
interest rate.
In other words, a logical person should be willing to pay about $15,900 more
for a house that is one mile closer to work, and $477,000 more for a house
that is 30 miles closer to work. For a double-commuting couple, these
numbers are $31,800 and $954,000.
Adapting the numbers for a $7.50 minimum wage earner, each mile of car
commuting cuts $1.43 from your workday. If you drive 10 miles to go work a 5
-hour shift at the Outback Steakhouse, your effective hourly wage is more
like $5 per hour after subtracting car costs and adding drive time.
And these are all numbers for the United States, where cars and gasoline are
much, much cheaper than they are in almost any other country. In Canada,
you can add 30% to the gas prices and 50% to the car prices. In the UK,
still more.
If these numbers sound ridiculous, it’s because they are. It is ridiculous
to commute by car to work if you realize how expensive it is to drive, and
if you value your time at anything close to what you get paid. I did these
calculations long before getting my first job, and because of them I have
never been willing to live anywhere that required me to drive myself to work
**. It’s just too expensive, and there is always another option when
choosing a job and a house if you make it a priority.
And making that easy choice is probably the biggest single boost that will
get the average person from poverty to financial independence over a
reasonable period of time. I would say that biking more and driving less was
the trigger in my own life that started a chain reaction of savings and
happy lifestyle changes that led my wife and I to retirement in our early
30s.
Now, all this doesn’t mean you have to set up a tent on your employer’s
front lawn to avoid going broke. Public transit, although an afterthought in
most of the US, is great if it’s available to you, because you get your
brain and your hands back for the purpose of getting some of your day’s
work done while enroute.
But if you can walk or bike to work, it will cost you virtually nothing. And
it also doesn’t count as using up your personal time because it is adding
something that nobody except Olympic athletes is doing enough of anyway –
exercise. You can take your time spent riding your bike ride directly out of
time you would have otherwise spent in the gym, or waiting in the doctor’s
office for prescription medication.
So there’s my answer for this potential new set of neighbors. I’ll see you
in ten years!
And now that the truth has at last been revealed about the foolishness of
commuting, I’m looking forward to reading about the empty interstates and
bicycle-filled streets tomorrow morning. | j**k
发帖数: 2052 | | y*****r
发帖数: 102 | | b******r
发帖数: 1137 | 11 edgemont, rye, 都有condo
【在 k*********d 的大作中提到】
: 要多少钱？50万？SFH最好，condo也行。
: 在哪些区找？北NJ？Queens?
: 家庭年收入才十二万，一个小孩，能活吗？
: 先谢过各位大侠！
|
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