y********k
发帖数: 677 | 1 共同学习以下 http://michaelbluejay.com
lesson 1. rent or buy | O****v
发帖数: 383 | 2 刚买了房不久，我要来说说。LZ的reasoning有很多漏洞。
1st: IRS only allow 1 deduction, standard or itemized deduction whichever's
more. Most people don't itemize because they've got nothing to itemize. But
most people with a mortgage do. Mortgage interest and RE tax would make it
worthwhile to itemize... Check your 1040 Schedule A for a list of itemizable
items.
2nd: Alot of factors come into play when buying a home. For some people like
me it could be a forced saving plan, otherwise I'll just spend the money.
3rd: C | y********k
发帖数: 677 | 3 Okay, this might sound weird but I've been thinking...
(Note, if you plan on passing your property onto your offspring then my
argument does not apply).
First of all, buying a house is probably one of the MOST undiversified
investment. You're betting only on the housing market to go up, period.
Then, even if the value of your house does go up, unless you sell it before
you die it's all on paper.I mean, who in the lesbian heaven needs a house on
the ugly earth?!!
It's true you can borrow against | f******7
发帖数: 152 | 4 Top line in real estate: location location location. It really matters where
you buy the property and how long you will stay and keep the property.
Due to the lack of liquidity, it posts the problem when you want to move or
have a quick sale. Short term of holding of the property is equal to a rent
except for somewhat good feeling of being an owner and being attached to a
home. What comes with the ownership feeling is the stress that a renter
would never imagine. There are stresses of maintainin | O****v
发帖数: 383 | 5 Lots of good/diverse opinions on this topic. Everyone's situation is
different. So ultimately it comes down to the individual. I agree that
liquidity and flexibility are important factors to consider before buying
any real estate property. If your definition of investment is buy low, and
sell high. Then I agree real estate is probably not your best pick. But then
you didn't factor in rental income, just like stock dividends. Not everyone
's looking for capital gains, dividend income is just as g |
|
