现在头款除了部分股票和bond，其余都现金那在手上，刚买了短期 CD

暴不甘心那，才 4。2% (ING 6month)

买房呢又不特别ready，工作相对稳定，但是也说不好就不会被layoff

而且买的起的房子地理位置都偏僻。现在租的地方大小不错，位置方便，离一个人上班很近，另一个半小时。

房租是买房mortgage的一个零头。

不买的话这钱如何投资好呢？

noone answers?

another question? W2 has tocome from employer? anyway to received it online and file tax return early?

some of the universities have that service to receive the W2 form online, you will have to register to get it. you should check to see if that service is available. otherwise, you should be able to receive the W2 in the mail by the end of january (the latest).

我的看法呢，既然有两个人工作，就不用太担心layoff的问题。手上多放点cash，大约就是两个人都没工作以后，还够你们生活六个月的钱，那所谓layoff以后没钱的问题就不必担心了。如果这样放了以后还够头款，5% down + 5% closing，那还是买吧。房租再便宜，终究是给别人付的。地理位置的问题的确就只有你们自己能够拿主意了。但是如果打算在该地区长期呆着，那么就不用太在意。毕竟你们以后都是会换工作的。

另外，房租和mortgage会差那么多吗？一般一半到三分之一是正常的，只是一个零头就不正常了。很好奇的说。

[此贴子已经被作者于2005-12-29 11:25:05编辑过]

well I do have that kind of money for down/emergency fund etc. But i heard the market is going down (I do see the effect in this area too) while rate is not low.

rent is 1300 including heat (very important for northeastern area), mortgage would be close to 3000, with tax and other expenses, close to 4000. And this is only a modest estimate.

Northeastern... Boston吧？那50万的房子就很正常了。

Market的问题么，房市会往哪里去，谁也不知道。也许等一等，看看开春如何会好一些。Good luck！