Sushi Money 寿司的钱

This week’s Carnival of Money Stories #19 is being hosted at The Dough Roller .  The  host does a really funny “Presidential Debate Edition”…  a clever and fun way to include articles from many sites, with tons of great content on frugality, credit, debt and how we use our money.  Thanks for including Sushi Money!这周的嘉年华钱的故事＃ 19现正设在面团滚子 。东道国是否真是一个有趣的“总统辩论版” … …聪明和有趣的方式，包括文章，从许多网站，与吨的伟大的内容节俭，信用，债务和我们如何使用我们的钱。感谢包括寿司钱！

While reading the Sunday Paper today I found a few good ideas for manging money in college.  One article highlighted ways for saving money while emphasizing that many college-bound students (and parents) underestimate the spending  money necessary while attending college.  Rather than be surprised by these expenses, why not take a proactive approach and plan ahead?  Here are a few other money management tips to consider:而读了周日的文件，今天我发现了几个很好的意见为manging钱，在高校。一篇文章强调，如何为节省金钱，同时强调，很多大学生的约束学生（和家长）低估花钱的必要，而出席学院。而非感到惊讶由这方面的开支，为什么不采取积极主动的做法，并提前做出计划？这里有一些其他的理财秘诀考虑：

• Consider a “semester budget” and make a list of anticipated monthly expenses.  Try to estimate the expenses you’ll need, both fixed expenses like monthly utilities or residence hall costs, cell-phone bills, and discretionary expenses for items such as food, recreation and transportation.  You may not get it right the first month or two, but having a place to start is far better than simply spending money as you go along.   If you do it right and foster a disciplined approach, you’ll have money when you need it later for things you didn’t anticipate.考虑“学期的财政预算案”作出的名单，预计每月的开支。尝试估计费用您需要，无论是固定支出，例如每月的水电费或居留大会堂成本，手机的法案，并酌情开支项目，如食品，康乐及运输。您可能无法获得正确的第一个月或两个，但有一个地方，开始是远胜于简单地花钱，你走，如果你这样做的权利，以及营造一个有纪律的做法，您将有金钱当您需要它后来的事情，你没有预料到。
• Avoid spending money just because your friends are.  There are going to be tons of situations where you have the choice to spend money… or not.  Keep that in mind- it’s your choice.  You don’t need to spend money in many situations, but you may find you want to.  The choices we make in many present situations limit the choices we have at later times.  Try to anticipate how you will spend your money so you have more choices for things you really want to do later on.避免花钱，只是因为您的朋友有要吨的情况下，您可以有选择地花钱… …或没有。保持到这一点-那是你自己的选择。 您不需要花钱在许多情况，但您可能会发现你想 。选择，使我们在许多情况下，目前限制的选择，我们在稍后的时间。尝试预测您将如何花你的钱，让您有更多选择的事情，你真的想做的事，稍后。
• Keep track of spending.  Try to check and monitor your spending regularly, whether you do on-line banking, or have a pre-set spending limit on a debit card.  If you find yourself running out of money frequently, take a look back to see where your spending habits are taking place.  If you have a computer… try using Quicken or Microsoft Money.  It can help you form a picture of your spending, and provide a framework for your accounts that makes managing your money much simpler.跟踪开支。尝试检查和监控您的支出，定期，不管你做的网上银行，或有一个预先设定的支出限额对借记卡。如果你发现自己失控的钱频繁，采取回顾看到您的消费习惯正在发生。如果您的计算机…尝试使用，加快或Microsoft钱。它可以帮助您形成一个图片自己的支出，并提供了一个框架，为您的帐户，使管理您的钱，简单得多。
• Choose the free or low-cost option for recreation and entertainment.  There are many opportunities for entertainment, recreation and keeping busy on college campuses.  Everything from top-notch fitness facilities to a symphony performance or a play can be found on campus.  Join a club or other student organization that interests you.  So often we can be overwhelmed by everything going on that we just hang out in our ”own space” without really getting involved.  But getting involved is an integral aspect of the university experience… as long as you don’t forget why you’re there in the first place!选择免费或低成本的选择和娱乐是有很多的机会，娱乐，康乐及保持忙碌的大学校园，一切从争创一流的健身设施，以交响乐的表现或一出戏可以发现在校园内。加入俱乐部或其他学生组织您有兴趣，所以我们常常可以压倒一切，去对我们刚才坑在我们的“自己的空间”没有真正介入，但介入是一个完整的方面，该大学的经验…只要你不要忘记，为什么您有摆在首位！
• Try to moderate the cell-phone use if you’re not on an “unlimited plan.”  Minutes can really sneak up on you, so try to use e-mail or IM for keeping in touch with friends.  Remember that calling home later at night is much cheaper, or even free depending on your cell phone plan.  If you don’t have a plan, consider a pre-paid service like Tracphone.尝试温和的手机使用如果您不是一个“无限”计划分钟真的可以潜入了对你，所以请尽量使用电子邮件或IM中，为保持联系，与朋友记得，要求在稍后的首页夜间便宜得多，甚至免费的，视乎你的手机计划，如果你不有一个计划，考虑预付费服务一样， tracphone 。
• Try not to eat out so often.  That’sa biggie for watching the money leave your pocket in a hurry.  If you’ve already paid for the food on a campus meal plan, try to use it for most of your meals.尽量不要吃，所以往往。 that'sa biggie收看的钱请留下您的口袋，在急急忙忙。如果您已经支付的食物对校园的膳食计划，尝试使用它，您的多数饭菜。
• Minimize credit card use.  Another biggie… if you have a credit card, the bill can be run up in a hurry to a point where keeping up with payments may become unmanageable.  If you don’t have a credit card, you’re going to be inundated with opportunities to get one.  Remember that you are building your credit rating.尽量减少信用卡使用。另一个biggie …如果您有信用卡，该条例草案可以运行，在急急忙忙到一个点的地方保持与付款，可能成为不可收拾的。如果您没有信用卡，您去以被淹没，有机会获得1 。记住，你是建设您的信贷评级。 It may not seem like a big deal right now, but a few years down the road you may need a good credit rating to get that car you really want, or even the job you’ve applied for.  Many employers are now routinely screening credit records of potential employees… what we do in college can follow us for years if we’re not careful.它可能不会似乎更像是一个大型的处理权，但几年下来，道，您可能需要一个良好的信用评级获得汽车你真的想，甚至是您的工作申请，很多雇主正例行检查信贷记录潜在的雇员…我们做什么，在高校可以跟随我们多年如果我们不小心。
• Consider a part-time job to help with expenses and generate spending money.  Better yet, to generate savings!  There are many part-time job opportunities, and every college or university has a career or employment office to help you find one.  Sometimes, a part-time job can be the best balance to completing your studies and offer rewarding opportunities for professional growth and development.  You’ll meet people, learn more about the work force and gain valuable experience by getting that part-time job, and increase your bank account as well!考虑部分时间制工作，以帮助开支，并产生大洒金钱。更棒的是，创造储蓄！有很多部分时间制的就业机会，每个学院或大学有一个职业或就业办公室，以协助您找出一。有时候，部分时间工作可以最佳的平衡，以完成您的研究，并提供奖励的机会，专业成长和发展。您满足人们，了解更多关于工作武力，并取得了宝贵的经验，所获得的那部分时间制工作，并增加您的银行帐户，以及！

There are a lot more strategies to save money while in college of course.  How do you manage it?  For too many students, just paying for college is the real challenge, and student loans are a must.  But try to keep the goal in mind… namely to complete your education and begin your career.  Money is a tool… use it wisely and it will work for you.  Peace of mind financially can make studying a lot easier along the way.  There will be many times when you can’t stand a professor or a living situation you find yourself dealing with.  But try to pace yourself… I had a professor once who gave me some great advice.  He said to remember that no matter where we are in life, we’re only there for a short while… in a few years we’ll be somwhere else doing something far different.  Try not to get too wrapped up in the present by making decisions you’ll later regret.  Just do your best, keep the big picture in mind and everything will fall into place along the way.有很多更多的策略，以节省金钱，而在大学，当然，您怎么管理呢？太多的学生，只需支付学院是真正的挑战，和学生贷款是一种必须，但会尽可能保持目标在铭记…即完成您的教育，并开始您的职业生涯。金钱是一种工具，使用它…明智，而且会为您工作。安宁的心灵在财政上可以学习了很多更容易在前进的道路上会有很多次，当您无法立场教授或生活情况，您会发现自己处理，但尝试的步伐，自己… …我有一个教授一旦谁给我一些伟大的意见。他说，要记住，无论身在何处，我们在生活中，我们只能在那里一会儿…在未来几年我们将somwhere否则，做一些远远不同。尽量不要太结束了在目前的决策是由你在拍摄完毕后感到非常遗憾。刚才做您最好的，保持大图片在铭记和一切都将陷入的地方，在前进的道路上。

I grew up with the Boy Scout motto of “Be Prepared.”  Not that we can prepare for everything, but it’s usually in the back of my mind… this little voice whispering in my ear until I finally do something about it.  I won’t go into the other little voices I hear(!) but suffice it to say that I like taking care of little problems before they become bigger problems.  It doesn’t always work out that way however.我成长与童子军的座右铭“作好准备。 ”不，我们可以准备的一切，但它通常是在回我的心…这个小的声音，窃窃私语，在我的耳朵，直到最后我做一些，所以我将不会进入其他小的声音，我听到（ ！ ） ，但足以说明我喜欢照顾小的问题之前，他们成为更大的问题，它并不总是工作，但这种方式。

Take last year for example.  We just moved into a new (for us) home in the country.  We live about an hour from a major metropolitan area, but definitely in the country… farm fields and forest to be seen for miles.  Winter in the midwest can get mighty cold, and one of my goals was to have a wood burning stove.  Not only do I enjoy the warmth of a wood stove, but I like the security it provides in terms of raw heat, whether you have electricity or not. So we purchased a nice wood burning insert for the fireplace, and I spent the Fall season cutting, stacking and procuring seasoned firewood.以去年为例，我们刚刚搬进了新的（我们）的家中的国家，我们的生活了约一个小时，由一个主要的都会区，但肯定在该国…农田和森林被看到英里。冬季在中西部地区可以得到强大的冷战，和我的其中一个目标是有一个木材燃烧炉，不仅做我喜欢的温暖木材另起炉灶，但我喜欢它提供的安全而言，原材料耐热，您是否有电力或没有，所以我们购买了很好的木材燃烧插入为壁炉，和我花了秋天切割，堆叠和采购经验丰富的木柴。

It was not a little expense however… after installation the wood insert cost exceeded $3000.  I plunked it on the credit card before using a timely 12-month 0% balance transfer option for another card.  It took some rationalizing that buying the wood burning insert was something we needed… really it was something I always wanted.  And we enjoyed using it as winter grew colder.  Something we did need however was a good backup generator for the house.这是不小的开支，但…安装后的木材插入的成本超过3000美元，我plunked ，这对信用卡使用前及时12个月的0 ％余额转帐选择另一张信用卡，它采取了一些合理化购买木材燃烧插入是我们真的需要…这是我一直想和我们所享有的使用它随着冬天的到来，寒冷的增长。东西，我们需要的不过是一个很好的后备发电机，供内务。 Power outages are not uncommon where we live, and we were fortunate to inherit an older Honda generator.  Being the practical “be prepared” kind of guy, I routinely started the generator once or twice a month to make sure it would be functional should we ever need it.停电是并不罕见，我们的生活，我们幸运地继承旧本田发电机。身为实际的“准备”种家伙，我照例开始发电机一次或两次一个月，以确保它会功能，我们应以往任何时候都需要它。

That day finally arrived with a monster ice storm last winter that coated roads, trees and powerlines with temperatures in the low teens and 20’s.  Ice and electric power lines do not mix well, and within 24 hours the entire metro region was in a series of outages that lasted almost a week.  Normally with power outages, we wait several hours to see if the power comes back on (as it usually does) before hooking up the generator.  That first day I filled up the trusty wood burning insert, and we stayed fairly toasty while burning wood with the residual heat inside the home.  As night came with the power still off, I resigned myself to starting the generator, but very glad we had it.  Out it came while I beamed with pride for my wisdom in making sure it was ready to run.  ”Time for some power!” I thought…  Or not.  After 30 minutes of yanking, pulling and a few colorful words, the dang thing simply would not start.  So it was going to be a dark night at the homefront!这一天终于来到一个怪物的冰暴，去年冬季认为，涂层的道路，树木和电力，气温低，在十几岁和二十的。冰和电力线路不要混淆好，在24小时内，整个新城地区是在一一连串的停电持续了将近一个星期。正常停电，我们等待了几个小时，看看是否有权就回来（通常） ，然后连接发电机，即第一一天，我填补了可靠的木材燃烧的插入，我们下榻的公平温室的同时，燃烧木材与残余热内回家。晚上来到与电力仍然小康，我辞职，自己开始，发电机，但很高兴我们。出来，后来我虽然播送与自豪，我智慧在作出肯定，它准备运行“的时间为一些权力！ ： ”我认为… …或没有。 30分钟后唬弄，拉动和一些丰富多彩的，换言之，党的事根本不会开始，所以这是要一个黑暗的夜晚在homefront ！

That night I stoked that wood burning insert for all it was worth, and although much of the house was pretty chilly, we curled up in the living room and enjoyed the radiated warmth that only a wood fire and cast iron can bring.  There’s something very rewarding about fire in the midst of freezing weather.  Yes, we might have been able to pack up the car to drive for an hour and find a hotel somewhere, but that wasn’ta sure bet with all the power outages.  More importantly, the icy roads and snow coming down was a safety consideration.  With a family, animals and a house you’re concerned about, you try to stay around if possible.  There’s another motto that comes in handy… “Don’t make a bad situation worse.”  Driving was out of the question, but we actually enjoyed a comforable night with a toasty wood fire, albeit without the usual amenities of home.这晚上，我巴基斯坦人的木材燃烧插入为所有是值得，虽然大部分的房子相当寒冷，我们卷曲起来，在客厅和享有辐射的温暖，只有木材的消防和铸铁可以使有一些很有益的约的火灾中处于冰冻天气。不错，我们可能已能收拾行李车，以推动一个小时，并找到一间酒店的某处，但肯定不是打赌，所有停电更重要的，道路结冰和积雪下来是一个安全的考虑，有了一个家庭，动物和一所房子您关心，您尝试留在靠近如果可能的。还有一个座右铭来在方便… … “不一个坏的情况弄得更糟。 “驾驶失控的问题，但我们其实有着comforable夜间温室木材火灾，虽然没有惯常的市容的家园。

Fortunately, we awoke the next day to decent weather and improving roads.  I drove into a smaller town a half hour away to try and find some new spark plugs and starting fluid, and about midday arrived back at home. I finally got the generator started and we were off to the races.  But the thing about small portable generators is that it takes fuel for them to run… I had only stored a single days worth of fuel, not enough to run non-stop without multiple trips for fuel.  But it was enough… it lasted almost a day running what we needed in the house, while most of the house stayed warm enough with the wood stove. The power came back on briefly the second day… back off for another night, then back again “for good” on the third day.   No real crisis, but enough challenges to make us really appreciate the power company!幸运的是，我们醒来的第二天，体面的天气和改善道路，我将成为一个规模较小的城市1个半小时离开，以设法找出一些新的火花塞和流体开始，约中午抵达回到家里，我终于发电机开始我们起飞的比赛，但事情小型便携式发电机是，它需要的燃料，它们运行… …我只储存一个单一的天值得燃料，没有足够的运行不停止，没有多人次为燃料，但这是不够的… …它持续了几乎一天运行的是什么，我们需要在众议院，而大部分的房子住过的热情足以与木材炉灶。电力回来，就简单的第二天…回到起飞的另一个晚上，然后回再次“为良好“就第三天。没有真正的危机，但有足够的挑战，使我们真正体会到电力公司！

As I get ready to pay off that credit card debt, I look back and consider how much it cost to purchase and install that stove.  And I’ve found it doesn’t really matter… what matters is the security we have in the form of something that serves as a “back up” to heat the home in winter.  Actually we use it almost everyday in winter to supplement heat and cut down the electricity bill.  (And it’sa clean burning wood insert with the highest EPA ratings for air cleanliness… you hardly see any smoke coming out the chimney as it reburns most of it).  I consider that stove one of the best “investments” I’ve ever made for the value it brings to our family.  And you know what?  I can see how an emergency fund serves a similar purpose.  It’s like having a “wood stove” or  “generator” in your bank account… ready in case you ever really need it.  Unlike a wood stove however, it shouldn’t be used regularly!  But it can supplement your financial needs when times get tough.正如我准备还清信用卡的债务，我回头看，并考虑了多少成本，购买和安装炉灶。和我发现它并不真正的事… …什么要紧的是安全，我们在形式的东西，这提供了一个“回”热民政在冬季，其实我们使用它，几乎每天都在冬季，以补充热量和降低电力条例草案。 （和它的清洁燃烧木材插入与美国环保局的最高收视率空气洁净… …你几乎看不到任何烟雾走出来烟囱，因为它reburns大部分） 。我认为炉灶，其中一个最好的“投资”我已经取得了以往任何时候都为它的价值，使我们的家庭和你知道什么？我可以看到如何在一个紧急基金提供了类似的目的，它就像有一个“木另起炉灶”或“发电机”在您的银行帐户…准备就绪，以防万一您真的需要它。不像木材炉灶，但是，它不应该将被定期！但它可以补充您的财务需求时，采取强硬。

There’s another analogy worth looking at… paying down debt.  In many ways, paying off debt is similar to cutting firewood.  There’s an old saying, “Wood heats you twice… once when you’re cutting it, and again when you burn it!”  Paying down debt can achieve similar results… you’re “paying yourself twice” by getting rid of the debt burden and financing costs, while making room to use cash for savings at a later time.  What about the generator that wouldn’t start?  Well, I look at that like not having an emergency fund.  We take so much for granted that we don’t think of the unexpected.  We work hard to stay prepared, and rationalize that we don’t need to save so much money.  But we may not be as quite as prepared as we think, especially if we don’t have a fairly liquid emergency fund ready to meet needs in times of crisis or challenge.还有一个比喻，值得看…支付下来的债务。在许多方面， 小康支付的债务是类似切削柴烧。有句古话， “木复赛您两次…一旦当您切割它，并再次当你烧！ “支付下来的债务可以达到类似的结果…您”付出自己的两次“摆脱债务负担和融资成本，同时使房间使用现金储蓄在稍后的时间。什么关于发生器会不会启动？那么，我看一样，没有一个紧急基金，我们采取了这么多理所当然地认为，我们不认为该意料中事。我们努力工作，留在准备，并使之合理化，我们并不需要节省这么多钱，但我们未必是相当准备，因为我们认为，特别是如果我们不有相当的液体紧急基金准备，以应付需求，在危机时刻或挑战。

What did I learn from that ice storm last winter?  I learned that spending money, even using credit wisely, to ensure your safety, comfort and security can be a pretty good investment.   And  that  “being prepared” is a positive mindset… yet even when you think you are, the unexpected can always happen.  Having the security of a back-up plan, and an emergency fund in the bank is also a pretty darn good investment!什么我学习从冰暴，去年冬天呢？我了解到，大洒金钱，甚至利用信用卡明智，以确保您的安全性，舒适性和安全性可以是一个不错的投资，以及“正在准备”是一个积极的心态…然而，即使当你以为你是，突如其来的可以随时发生。具有安全一回行动计划，和一个紧急基金，在银行也是一个漂亮的石坝良好的投资！

Ouch!乌！

Well that wasn’t pretty… what I call the Ouch!以及这是不是漂亮的… …什么我称之为乌！ factor.的因素。 But you knew it was coming, right?  Sooner or later all markets correct.  How much and for how long is the eternal question.  Today the Dow was down over 400 intraday and ending up minus 300 points.  I see the Dow’s 50 day moving average at about 13,585 and the 200 day moving average at about 12,700.  My gut tells me we’ll be heavily testing the 200 day moving average over the next six months, and back again with a lot of volatility.  A lot depends on housing and credit issues, consumer spending and what the Fed does.  But keep the faith!  “Slow and steady wins the race… “  So the saying goes, but it doesn’t make it any more pleasant to see your stocks and funds go negative over the short term.  The way I look at it however, I’m not saving and investing for the short term.  I don’t trade stocks for a living, or even for fun anymore.  I trade, rather I invest, for long-term gains… retirement… someday “in the future”.  On rare occasions I will make short-term trades, but those are the exception, reserved for the times I think I’ve made a mistake or need the money for something else.  I will also execute trades to lock in long-term gains, especially if the greater fundamentals of a company or the market warrants it.  Yet that is a judgement call that can be prone to excessive costs, and losing out on returns and positive moves within stocks and sectors.但你知道这是未来的，对不对？迟早的事，所有的市场是正确的。多大和多久，是永恒的问题。今日道琼工业指数下跌超过400日内结束了零下300点，我看到道琼工业指数的五十天移动平均线约13585和200天移动平均线约12700 ，我的肠告诉我，我们将大量测试200天移动平均线在未来六个月，并再次回到了很多的波动。了很多，取决于房屋和信用问题，消费开支和什么美联储，但保持信仰“ ！缓慢和稳定赢得比赛… … ”所以俗话说，但这并不使任何更舒适的看到您的股票和资金转到负短期内的方式，我期待它，但我不是储蓄与投资为短期的，我不交易股票为生活，或什至为乐趣了，我贸易，而是投资，为长期中期收益的退休… …总有一天， “未来” 。在罕见的情况下我会作短期的行业，但这些都是例外，预留作的时代，我觉得我已经犯了一个错误，或需要钱的东西，否则我也将执行行业锁定在长期收益，特别是如果更大的基本面的一间公司或市场的认股权证。然而，这是一个判断调用可以容易过多的费用，并失去对回报率和积极的举措，内部股票和部门。

My primary goal is to look for values… track a few companies I would like to own over time, and when the opportunity presents itself, invest in those companies for the long term.  How long?  At least 3-5 years or more.  Sooo… what companies?  I have no frigin’ idea!  Well, I do, but when the market moves this fast, it makes you wonder… is the time right?  Should I buy it now?  Umm… uh, ahem… well maybe I’ll wait a few days and see where the market ends up.  But I’ve always liked McDonalds ( MCD ).  Good growth, a decent dividend (paid annually, not quarterly like many dividend payers), and decent forward valuation at about 16 times earnings right now, with a trailing P/E of 29.  Maybe this is the time… maybe not.  Does it matter, as long as I’m going to hold it a few years or more?  Probably not.  Still, I think I’ll wait a few days and see where the market heads.  Lots of questions, lots of doubts, and room to find conviction in between.  But that’s what investing is all about.我的首要目标是寻找价值观…轨道几家公司，我想自己随着时间的推移，当有机会介绍自己，投资在那些公司的长远目标。多久？至少3-5年或更长时间。 sooo … …什么公司？我没有frigin '的想法！那么，我这样做，但是，当市场的举动，这速度快，它让你不知道… …是时间，对不对？我应该购买它现在呢？乌姆…嗯， ahem …以及，也许我'当地雇员等待几天，看看那里的市场结束了，但我总是喜欢麦当劳（器MCD ） 。良好的增长势头，像样的红利（每年支付利息，而不是像许多按季缴纳的股息） ，和体面着估价约16倍收益的权利，现在，随着一个尾随普/ E号29 。也许这是时间…也许不是是否的问题，只要我要去持有它几年或更多？大概不会，但我想我'当地雇员等待几天，看看市场的元首。地段的问题，很多的疑问，和室找到的信念之间，但的投资是什么一回事。

Full Disclosure: No Ownership of MCD at time of writing. 充分披露：没有所有权器MCD在时间写作。

A wealth of information out there today.  The market is in a see-saw as investors digest earnings report and weigh the impact of subprime losses on the market and economy.  But the Bulls aren’t letting go easily.  In an article from Minyanville, “Professor” Greg Weldon takes a thorough look at the macro events taking place in the economy while making a bullish case for gold.  We’ve read a lot about the housing downturn and excess inventories, but the condo numbers in Miami, Florida are amazing:丰富的信息有今天的市场是在一见锯由于投资者消化的盈余报告，并衡量的影响，次级损失对市场和经济，但公牛队并没有放手容易。在一篇文章中从minyanville ， “教授”格雷格威尔登需要彻底研究在宏观发生的事件，在经济的同时，作出了乐观的情况下，黄金，我们已经阅读了很多有关房屋低迷，库存过剩，但公寓的人数在迈阿密，佛罗里达州也令人称道。 ：

“…despite the inability of sellers to unload the existing inventory of 22,924 condos that are currently for sale in Miami-Dade County, builders are presently working on no less than 37 new high-rise condo buildings.  Subsequently, there will be an increase in the inventory of unsold units that exceeds 20,000 over the next few months (according to the Florida Association of Realtors).” “ … …尽管无法卖家卸下现有库存的22924公寓正在出售，在迈阿密-戴德县，建设者目前正对工作不得少于37个新的高层公寓建筑物。随后，将增加在存货未售出单位超过20000在未来数月， （根据佛罗里达州的房地产经纪人协会） “ 。

Fairly staggering numbers, and that doesn’t even mention the ovesupply of single-family homes in Florida… or the US as a whole.  To leverage Greg’s article, here’sa chart with a little more clarity going back 40 years:相当惊人的数字，而且甚至没有提及ovesupply单家庭在佛罗里达州的… …或美国作为一个整体。杠杆格雷格的文章，下面是图一个小更清晰回到40年：

I’d like to compare that chart with some demographic numbers, but it’s pretty amazing. There are a ton of homes for sale across the nation right now, and builders keep building!  I know in my county, new home building has slowed with incredible incentives being offered by the builders.我想比较图表，与一些人口数字，但它的相当惊人，有一吨待售房屋在全国范围内的权利，现在，和建设者继续建设！我知道我在县，新家园的建设已经放缓令人难以置信的诱因，所提供的建设者。 Yet they keep building… with many half-empty developments and subdivisions among the more recent homes.  We bought in a subdivision in 2003, as one of the last homes being offered… a strategy that worked well when we sold in 2005.  Our buyer was concerned about a half-completed neighborhood.  Something to think about if you’re in the market for a new home, and yet those half-empty neighborhoods may offer pretty good deals over the next year.  Or more…  Countrywide ( CFC ) CEO  Angelo Mozilo doesn’t see a US mortgage rebound until 2009 .然而，他们不断的建设…与许多的一半空的发展和下属之间的较近期的家园，我们买在一个细分在2003年，作为最后一个家园提供…一项战略，运作良好，当我们出售在2005年，我们的买方关心一个半完成的居委会。东西想如果您在市场上一个新的家，然而，那些半空洞的街道可提供不错的待遇超过明年。或更多… …在全国范围内（ 含氯氟烃 ）的CEO安吉罗mozilo 没有看到一个美国按揭反弹，到2009年 。

As if the current mortgage default problems weren’t enough, CNN/Money reports that “ the subprime mortgage meltdown has begun to spread to prime loans as even credit-worthy borrowers have started to fall behind on payments .”  Their data comes from Countrywide’s quarterly financial report where a spike in delinquencies was attributed to prime borrowers.  Existing home sales continue to drop off also, falling to a 5 year low with a 12% decrease in sales from June ‘06 to June ‘07 .  Housing and mortgage-related issues will certainly be under the microscope over the next year and beyond.  Potential home-buyers should have the market of their dreams over the next couple of years- just make sure it’s really what you want.  Sellers will have a tougher time… but can do many things to get that home sold .   Most of us will be sitting tight and enjoying the homes we live in… as long as we can afford to live in them!至于如果目前的按揭贷款拖欠还款问题，没有足够的，美国有线新闻网/钱报告说， “次级按揭崩溃已开始蔓延到总理的贷款，甚至信用值得借款人已开始落后于付款 。 ”他们的数据来自全国各地' s季度财务报告，凡在穗拖欠的主要原因是总理的借款人。旧房销售量继续落也下降到了5年来的最低点与12 ％ ，销售额下降，从6月06至6月07 。住房和住房抵押贷款相关的问题一定会在显微镜下超过明年及以后的潜在置业人士应具有的市场他们的梦想在未来数年内，只要确定它的真正你想要的。卖家将有更严厉的时间… … 但可以做很多事情，得到这家出售 。我们大多数人会坐在紧张和享受的家园，我们生活在…只要我们能够负担得起居住在他们！

Wow… Not everyone has had a tough day- the Dow tanks over 200 points and Amazon ( AMZN) is skyrocketing after hours!  Amazon quarterly profit tripled on strong US sales and analysts went nuts.   Awesome for those who hold the stock, but I can’t imagine being a buyer with a PE earlier today of 116… maybe closer to 90 when all is said and done.  Still too high as far as I’m concerned.  Should have been a buyer at last year’s lows- that was a key opportunity.  But I’m happy to contribute to Amazon’s profits by shopping there.  Good luck to those who are buying (or covering…the after hours price is up $14.35 while I write this… going up another $2 in the past 20 minutes… yikes!).哇…不是每个人都已经有了强硬的天-道琼工业指数坦克超过200分和亚马逊（ AMZN ）的是暴涨后小时！亚马逊季度盈利2倍强在美国的销售和分析家前往坚果。可怕对于谁持有股票，但我可以'吨想象作为一个买方与体育今天早些时候116 …也许更接近90时，是所有说过和做过。仍然过高，据我担心。应该已经买方在去年的低点-这是一个关键的机会，但我很高兴作出贡献，亚马逊的利润，购物有。好运那些谁购买（或涵盖…后时的价格是十四点三五美元，而我写此文以…不断上升，另一个2元，在过去20分钟… yikes ！ ） 。