1 contract朝不保夕。我同事刚买了新车，就失业了。郁闷。
2 从投资角度讲，绝对是赔钱的买卖。新车价格目前太高，贬值太快。
3 计算了一下经济账：开车增加的花费：买车月供款，保险，汽油，维修费，牌照费，停车费。大概一万多块／年。如果成公车每月也就是60块车票钱，如果用车，周末可以租车，一年有２千快钱差不多了。
4 从享受角度讲：每天花在路上的时间走路不过1个小时，既节省开支，又锻炼身体，搭车来回15分钟。而养车，一定会紧缩银根。虽然方便，一旦出了事，不论谁的错，处理起来也花不少时间，费周折。我同事一到礼拜一就喊累。夏天要洗车，冬天还要扫雪。

个人愚见，欢迎指正。

同意打扫清洁部分:-)

1。同意如果你家就你这一份收入；
2。同意；
3。Toronto的房租不便宜，再多加点就可以供的起同样面积的房子了；怎么能不算Mortgage?
4。享受方面，这个看人，是你自己去掌握的，不能算做衡量的标准。。。打扫卫生没什么的。。。我也去铲雪，也去剪草，这有什么？本来就运动的太少了。。。我喜欢买新一点的房子，旧的房子很烦，修玩这个，修那个。。。倒是什么都会了。。。

买不买房，也是生活方式的一种选择。

本文发表在 rolia.net 枫下论坛Waiting for higher interest rates to depress prices may not be your best home-buying strategy.

That's because interest rates have become part of a vicious housing market cycle that's pushing prices up, not down, and more than ever conditions warrant a more holistic approach to buying a home.

This year, interest rates have been rising during the season when most buyers traditionally hit the market. That has swelled the ranks of seasonal buyers with an influx of buyers chasing interest rates.

The extra demand is contributing to higher prices.

As prices rise, yet another wave of buyers begin to chase rising prices.

If interest rates are your buying indicator, it's a cycle that may not end anytime soon.

During the mid- to late-1990s' technology-driven economic and housing boom, interest rates were, at times, more than two percentage points higher than they are now. In the 1980s' housing boom, mortgage interest rates were higher still, from 10 percent to more than 12 percent at times, according to Freddie Mac.

In addition to higher interest rates-driven demand and related higher home price-driven demand, demographics and mathematics continue to put further price pressures on the housing market.

The growing bulge of second home-buying baby boomers and homeowners who see housing as their only money-making investment, those groups have done the math. Stocks remain well below their peaks, while housing not only survived the recession, but helped shoulder the national economy through the downturn. Older, wiser buyers are moving up and moving on to second and third houses.

What's more, for most buyers, the bottom line isn't home prices or even interest rates, but the affordability of the monthly mortgage. As long as buyers continue to enjoy income growth and can make that mortgage payment, they will continue to buy into a market. A host of mortgage programs make housing more affordable.

And then, of course, there's the housing shortage. From Delaware to California the shortage of housing also exacerbates home prices.

Bottom line?

Interest rates don't rise in a vacuum and that makes an interest rate-driven home buying strategy a myopic approach to the transaction.

Even when all the market conditions appear to trumpet "Buy!," it's not your time until owning is cheaper than renting and a home purchase is a natural fit for your financial needs, goals, obligations and lifestyle.

Instead of making the home-buying decision based on one or more economic conditions alone, don't overlook the more holistic context of your own home economics.

If you are too over-burdened financially to buy a home and take the "Buy now!" advice, it could bankrupt you.

Step back, take a thorough look at your financial picture, pay off debt and otherwise take the time to prepare yourself for the financial responsibilities of home ownership. Don't overlook the value of a financial planner or other professional personal finance specialist for objective advice about home buying.

The most expensive transaction you'll likely ever complete, comes with many more costs than the monthly mortgage payment, property taxes and insurance.

For you, it's the "right time to buy" when buying a home won't put you in the red.


Written by Broderick Perkins更多精彩文章及讨论，请光临枫下论坛 rolia.net