Mar 21st, 2011, 20:57 | 只看该作者 #201 |
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仔细看了这夫妻二个人的expense一下,那个他们的做法和偶家同学是一样的,用小爱的话说, 是要躺在一堆钱上睡觉。 他们那mortgage一个月6700,每个月存RRSP3000多,说明每月现金流很高。一般这种固家工资这么高的比较不多,很特殊。 偶们家是等奖金发的时候一次存RRSP,然后拿退下来的钱,和平时存的钱放在一起加还银行给的每年额外的15%的房贷。 要是哪一年的奖金少一些,那就只好少放很多了。希望老天保佑,在偶房贷还清之前, 每年有奖金发。 不过没有2。8米,就没有了,反正 多有多活,少有少活。 实在没法,偶就厚脸皮上偶老公弟弟家骗吃骗喝。他家大款,哈哈,房子又多,让偶吃住还是行滴。 |
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Mar 21st, 2011, 21:12 | 只看该作者 #206 |
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I don't think I said 6000/mon will cover everything. I still think 170k can easily afford 500k mortgage though. 170k a year is 10k mon. 500k mortgage is 2100 mon, plus what I estimated for a family of four a mon of 7500 expense, which already included the investment portion
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Mar 21st, 2011, 21:16 | 只看该作者 #208 |
good fairy
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照顾老人这个事情和几个孩子真没关系,孩子多的,不见得就肯定好,真贴心的一个也就足够了,事实上基本上也多半是一个照顾的多点儿,其他的在别的方面补偿一些,这事儿也多了,你肯定也看过不少。 当然从经济上来说,子女的多的大家出点儿负担相对就轻些,不过如果老人自己经济条件还可以的,或者子女经济条件还可以的,这条也就无所谓了。毕竟很多事情花钱就能解决问题的,倒不在乎子女多少,人老了没钱倒是比较可年,所以我们还是回到2.8个米上去了。 所以其实现在我们这一代,已经不考虑要子女养老了。 |
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Mar 21st, 2011, 21:25 | 只看该作者 #210 |
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I would take 35 yr amortization if I can. That does not mean I want to spend 35 yr to pay it off - it just means that I can minimize my monthly mortgage payment and take that cash to invest somewhere else. Later on I can use that return to pay off mortgage quicker.
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Mar 21st, 2011, 21:32 | 只看该作者 #211 | |
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引用:
Overall, the shorter year you pay off mortgage, the more interests you saved. But it's your personal preference . However, i think 35 amortization is not good for house market bubble ,this is why government Canada cancel that this year. |
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