MSN04

回復 250# fibbi

hmm... just want to talk about your point of "租一年都唔見成萬蚊"
Buying a house with mortgage is also like renting.  Just that the person is "renting money" for ownership.  Also, there is also a carrying cost to own.
All in all, i just want to point out that owning is not necessary "cheaper" than renting.  esp. with the current economy.

fibbi

回復 251# MSN04


    So in the example case, if you were to get married and need to move out, would you rather buy or rent now?

大C姐

視乎個人能力啦。如果能力OK﹐供得唔係辛乎﹐個市跌咬實唔放都可以唔洗蝕(個市跌完可以升)。你話會唔會跌超過50%﹐呢個我唔夠膽講啦。即係話Vancouver會唔會大地震陸沉﹐如果真係咁大穫我會磕埋對眼同親戚朋友攬住死囉﹐諗咁多都無用。

都係果句﹐如果好extreme嘅例子係D樓價仆直﹐個市亦有機會一直升多20年先跌。你係咪租20年樓先? 唔好話20年咁誇啦﹐10年都幾閉翳。

大C姐

google "vancouver real estate chart"  will give you lots of chart like these.


this is an article w ...
supersuper 發表於 2010-9-30 12:56

你用呢個chart都可以有幾個角度啦。一來你可以話個價近年升得特別快可能會跌﹐但係你又可以望望過去30年樓價就算跌左﹐唔夠10年就升翻。若然你要選摘信呢個chart的話﹐你可以鬥長命﹐等3﹐5﹐7年一定去翻原位。

fibbi

好似股市，大跌市你敢唔敢買？低處未算低。何況如果突然大跌市好可能係啲金融風暴類似嘅問題，百物銷條到時又話驚無工做，仲敢唔敢買樓？

快樂牛郎

Sample grocery shopping list (1 week supply)：
pre-slice meat about $4/pack. (1 pack per day) $28
3 onion  $2
3-4 tomato $2
bean sprout $1
Veggie (3 pack) from T&T (half pack per day) $7
Fruit (e.g. 7 orange ~$5)
bread $3
total: $48
fibbi 發表於 2010/9/30 22:17

In theory, this sounds great, but it can't be further from reality.

You can't have just half an orange a day if you want a balanced diet. The veggie seems ok but sandwiches with pre-processed meat 3 meals a day, 7 days a week?

Vegetables is cheap in BC, but sometimes I can spend $10-$12 a day just on veggie and fruit.

sheep

你用呢個chart都可以有幾個角度啦。一來你可以話個價近年升得特別快可能會跌﹐但係你又可以望望過去30年 ...
大C姐 發表於 2010-9-30 23:29

   等唔等到
有冇人逼倉
你可唔可以同佢等
你冇諗過呢啲問題？

supersuper

回復 250# fibbi

hmmm... u only eat bread each day, breakfast, lunch and dinner? no rice, no soup?

I am already considered as a rare cheap couple, and I still have to spent like $600-800 avg monthly.

Look4chrisng

買樓唔同買股票，我可以等話等佢跌先入貨。如果你要結婚，另一半唔想同屋企住，要搬出去，咁你嘅選擇就只係 ...
fibbi 發表於 2010-9-30 22:17

    Ask you mom how much it costs to "boil soup" for you when you come home for dinner during weekend.

I am cheap.  Simple a decent "Red carrot boils Green carrot" will run almost $20.  I grew up in the 70's, mom will give some change for breakfast.   Ham and egg bun and vita soy milk will run you almost 3 dollars at 7-11, and it will break your $200 budget.  You can say just don't eat out, but one can afford these "luxury items" in the 70's with mom and dad working in a factory.  And you can't do it with your expensive UBC degree?  

Anyone care to argue otherwise.

大C姐

I don't think i can live on fibbi's budget, i can easily spent $100 a week on myself in a supermarket. There are always household items to buy in supermarket like toilet paper, cleaning products, shampoo & conditioner, lotion, hair products, toothpaste, etc etc....

and even spending $100 a week, i don't expect to cook everyday and eat every meal at home.... Personally, buying/ renting cost should not exceed more than 1/3 of your income. i guess my point is, if you have to "stress" about paying your mortgage each month, then DON'T buy, just rent something cheaper (eg, basement, a single room)!