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發表於 08-2-22 11:52 |只看該作者

原文章由 rose-mag 於 08-2-22 01:20 發表

hi rubytang,
I have some personal suggestions: -
1) If you buy a car, you should consider many things. First of all, is it expensive if you need to fix it? Some of the cars are so expensive for ma ...

hi~ rose-mag~
我買車時會注意下架啦~
其實, 我都有咁諗架, 因為話時話, 車價話貴又唔算太貴,
亦唔算叫做好平, 所以, 我覺得買得咁多錢既車,
就唔想買太細架啦~,
而且, 學你話齋買得細, 到時想載多個人都唔得,
我以前係HK就係咁囉, 我本來想買toyota既picnic 7人車架,
當時因為我地用架舊車去trade in, 所以都係補多少少錢,
但我媽同我老公兩個就死都話買架corolla就算,
貪唔洗補好多錢, 但因為當時我兩個仔仲細,
都要坐carseat, 所以, 就搞到載多個人都迫到死~
而且, 我家姐話我仔係度返學,
分分鐘成日要去學呢學路, 同埋有時買多野又唔夠地方放,
咁我都係考慮買架大少少既啦~
聽到大家都咁講, 我都唔諗買二手車啦,
真係費事到時架車有事, 我又要俾好多錢去整,
到時就真係唔知整唔整好啦~
今日我都有收到我銀行寄黎既申請credit card 既form,
都係去申請番張傍下身先~
乜唔係碌左咭買野, 月結單黎時要找晒D數架咩~
咁找唔晒D數, 會唔會計我好多錢利息架~
我好驚呢D野架噃~ 係HK時, 銀行一出月結單,
我一定第1時間去找晒先安樂架~

嘩~ 原來呢度D人咁狼死架, 攞左人地SSN去申請咭都得???
我真係要小心D先至得啦~
多謝晒你既提醒呀~

[ 本文章最後由 rubytang 於 08-2-22 11:55 編輯 ]

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發表於 08-2-22 12:04 |只看該作者

原文章由 bunnymonkey 於 08-2-22 03:32 發表
Hi rubytang,
7 and 3 yr old. I guess Matrix is ok if you will have 1 or 2 adults and 2 kids only in the car most of the time. Just make sure it's a 4-door car. :) I have a 2 door sport car and it is s ...

hi~ bunnymonkey~
Matrix係4門車, 之不過,
我初睇時就有D覺得似以前既小福星果款車囉~
咁我有個FD 就提意叫我諗下toyota 既prius喎,
我都知芝加哥呢邊真係好大風雪架,
好似上次我去我細姨屋企返黎時,
嘩~ 真係連前面既路都睇唔到呀~
咁我依家帶小朋友出去就唔洗帶bb車既,
所以, 都唔洗擔心呢樣野~
其實, 有時我都唔好意思去麻煩我亞姨咁多架,
我會去睇下車先, 唔知我姨肯唔肯幫手架~

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發表於 08-2-22 12:07 |只看該作者

原文章由 Nillie_Mami 於 08-2-22 03:17 發表
rubytang,
that is right, Rose-mag has told the key point which you must remember..
one more thing..
Japanese car normally is the one you can trust.. because in Chicago, it snows a lot.. you need a 4W ...

hi~ Nillie~
真係你地唔講, 我都唔知原來有咁多野要注意架~
咁有D咩野車係4WD架, 我都知日本車會好D,
我都有打算買日本車, 係呢, 唔知買NISSIAN 好唔好架呢??

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發表於 08-2-22 16:24 |只看該作者

Yeah, I sit inside the Matrix before in the dealership. The truck seems a bit spacious compare to other compact 4 door car. I guess Toyota & Honda are kinda realible in general. Prius save gas and good thing to drive Prius in my area is you can drive on the carpool lane (with the sticker on your car) even when only 1 person is in the car. It save a lot of time during traffic hour. I don't recall there's carpool lane over there in your area though. So it doesn't apply. :) I personally like Acura a lot (Honda's engine). If you have time, you can do "windows shopping" for cars at home first before you really go to the dealership.

http://www.carsdirect.com

原文章由 rubytang 於 08-2-22 12:04 發表

hi~ bunnymonkey~
Matrix係4門車, 之不過,
我初睇時就有D覺得似以前既小福星果款車囉~
咁我有個FD 就提意叫我諗下toyota 既prius喎,
我都知芝加哥呢邊真係好大風雪架,
好似上次我去我細姨屋企返黎時,
嘩~ 真係連前 ...

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發表於 08-2-22 16:34 |只看該作者

Rubytang,

For 4WD or AWD, you may check out Subaru Outback base model 4dr All-wheel Drive Station Wagon. It may be able to go in the $20k budget after discount.

BTW, is $20k a hard stop? Else, Toyota Rav4/ Honda CRV are cool too.

原文章由 rubytang 於 08-2-22 12:07 發表

hi~ Nillie~
真係你地唔講, 我都唔知原來有咁多野要注意架~
咁有D咩野車係4WD架, 我都知日本車會好D,
我都有打算買日本車, 係呢, 唔知買NISSIAN 好唔好架呢?? ...

[ 本文章最後由 bunnymonkey 於 08-2-22 16:47 編輯 ]

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Nillie_Mami

男爵府

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發表於 08-2-22 23:28 |只看該作者

rubytang,
我老公揸toyota Sienna, 我就揸Nissan Murano, so far, 2架車都very good..
大truck 會好方便shopping.. 我哋要7人車係因為.. 落雪揸大車or 高身車+ 4DW, skid control 會安全好多...
4WD (four wheels drive)=AWD(all wheels drive).. 係option 嚟嘅, 你可以自己加上去.. many cars 已有AWD/4WD 架喇
Honda都係good choice 呢

原文章由 bunnymonkey 於 08-2-22 03:34 AM 發表
Rubytang,

For 4WD or AWD, you may check out Subaru Outback base model 4dr All-wheel Drive Station Wagon. It may be able to go in the $20k budget after discount.

BTW, is $20k a hard stop? Else, Toyot ...

[ 本文章最後由 Nillie_Mami 於 08-2-22 10:30 編輯 ]

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rose-mag

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母親節2025勳章 2025勳章蛇年勳章 2024年龍年勳章虎到金來勳章牛年勳章 15週年勳章親子王國15週年勳章 2018復活節勳章畀面勳章有「營」勳章好媽媽勳章醒目開學勳章環保接龍勳章大廚勳章親子達人勳章王國長老 BK Milk勳章 hashtag影視迷勳章最關心BB問題熱投勳章開心吸收勳章

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發表於 08-2-23 01:19 |只看該作者

rubytang,

It's my hubby who told me how to do to build up credit score. He said that bank would look at your ability to pay off and the punctuality rather than how much money you have in the bank. Also, the longer you have your credit built, the higher your score should be. It sounds not reasonable to me at the beginning but I followed what my hubby told me to do. I applied a credit card, purchased somethings and paid only maybe 50% of the total bill before the due date for a few months. Yes, the bank charged me interests but it's not that much (I kept my bill under $200 at that time). After 3 months, I start settling full bill payment until now. My credit score is now over 700 even though I only owned a credit card for 3 years and work in here for only 4 years. If you plan to buy a house in the future, start building credit soon and remember to own more than one credit card (bank will suspect why you only have one credit card, says financial ability, etc.)

My hubby has a Nissin Quest (7 people van) and a Volvo 4-door. Both of them are not gas-saving but the Nissan is for family use and we got it cheap from a relative's boss. The Volvo is my hubby's baby car (he said that I can never drive it unless I can show him that I'm a good driver) and he bought it brand new. We have a Toyota Tercel before and we love it as it's fast, durable and gas-saving. Too bad that someone in our neighborhood crashed it and total it. We still want to find the same model. My hubby is very keen on maintenance of car, he will change the oil, get the car serviced, tuned up regularly. He said that it's better and worthwhile to keep the car running good rather than wait for fixing it when it breaks down. Hope that you can find a good car.

[ 本文章最後由 rose-mag 於 08-2-23 01:20 編輯 ]

花旗太太生活在花旗國，留意時差，你問我未必即時答到。

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發表於 08-2-23 02:23 |只看該作者

Actually 4DW is not = AWD. If people don't go off-road too often, I think AWD (or automatic AWD) is fine. When picking SUV, it's better to pick those with stability control (rollover risk) and side airbag as well. Though I think it's usually included in most SUV nowadays or at least an option for those additional safety features.

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發表於 08-2-23 16:00 |只看該作者

hihi~ 大家好呀~
我今日卒之去左銀行搞掂晒d野啦~
我開左個checking A/C,
同埋申請左1張debit card & 1張credit card 添~

本來銀行個職員就係度游說我地開左有最低存款既A/C,
因為我saving有D錢, 但我亞姨就話叫我唔好,
因為有時想用多少少錢都唔得, 所以,
我都係揀左D basic 既A/C 黎開,
求祈有就OK啦~
本來銀行個職員話我申請credit card可能都未必OK,
但因為我係佢地果度既戶口都開左有好幾年架啦,
而且我係HK做果間公司, 係芝加哥係有branch 係度架,
咁我俾左d資料俾佢地, 睇下可唔可以申請到啦~
依家叫做行左第1步, 遲D等我老公過左黎之後,
先至再去睇車同屋啦~
我心目中都想買 toyota, 咁又唔係話一定只可以買2萬蚊既,
唔多過2萬5都OK啦~
我會去睇下車先, 到時先至再決定啦~
多謝晒大家咁熱誠既幫忙呀~

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發表於 08-2-24 05:18 |只看該作者

Rubytang,

It's good that you applied for the checking account and the debit/credit card. A lot of things may need you to write checks etc. Debit card is convenient too and credit card is good for building credit.

Yeah, regarding cars, you can search online and see which type you like first. When your husband arrive, you can make a decision later. :)

Good luck!

原文章由 rubytang 於 08-2-23 16:00 發表
hihi~ 大家好呀~
我今日卒之去左銀行搞掂晒d野啦~
我開左個checking A/C,
同埋申請左1張debit card & 1張credit card 添~
本來銀行個職員就係度游說我地開左有最低存款既A/C,
因為我saving有D錢, 但我亞 ...

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發表於 08-2-26 12:06 |只看該作者

原文章由 bunnymonkey 於 08-2-24 05:18 發表
Rubytang,

It's good that you applied for the checking account and the debit/credit card. A lot of things may need you to write checks etc. Debit card is convenient too and credit card is good for bui ...

hi~ bunnymonkey~
我係上星期六同我細姨去呢度既八佰伴食野,
咁果度有個information board俾人post D 野係度既,
咁o岩我就睇到有人post 架MAZDA 既MPV車出黎,
2005年車, 行左約2萬9咪, 賣USD 12,000
我咪打去問下囉, 果對日本夫婦要返日本,
所以想賣車,但佢其實都唔係幾明我講咩,
咁我就叫我妹幫我手, 佢公司有個日本同事,
佢今日就幫我打去問左D資料,
日本夫婦係波士頓買車既, 佢話架車無撞過,
6月先至夠3年車齡, 3月尾就要返日本,
所以, 依家我地約左呢個禮拜六去睇車,
我諗如果O岩既話, 應該可以講下價卦??
我心目中呢架車, 我會俾1萬左右啦~
因為mazda既二手價都唔係太高, 而且, 佢都係二手買番黎,
我買既話就已經係第3手了~
我諗我出呢個價 , 唔算太離譜卦~
我都睇過下佢架車D相架, 都OK, 之不過, 就係黑色車囉~
你地有無咩野意見呀~

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dominicchan

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發表於 08-2-26 23:12 |只看該作者

Hi!!! All US BK mummy,

請問妳們可知道 "產後28坊金裝", 可否帶入美國境 ???? 因為有鹿茸 & 高麗參這些藥材, 怕被沒收.
如果不可以, 哪只好買平裝了.

謝謝回覆!!!

[ 本文章最後由 dominicchan 於 08-2-26 23:14 編輯 ]

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Nillie_Mami

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發表於 08-2-26 23:41 |只看該作者

我唔知係咪可以合法入境, 但我媽咪就帶咗俾我飲( at end of 2006--生Gabriel 嗰時), 海關冇守佢哋行理囉...{好釆}
你係要產後28方, 我有個formular呢... 怕俾海關沒收, 可以land 之後去药材舖照執囉..

原文章由 dominicchan 於 08-2-26 10:12 AM 發表
Hi!!! All US BK mummy,

請問妳們可知道 "產後28坊金裝", 可否帶入美國境 ???? 因為有鹿茸 & 高麗參這些藥材, 怕被沒收.
如果不可以, 哪只好買平裝了.

謝謝回覆!!! ...

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rose-mag

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發表於 08-2-27 00:57 |只看該作者

rubytang,
Remember to ask if the couple has fixed the car, changed the parts and they should be able to show the invoices. Ask them if there's anything wrong or any parts need to be changed. They have to disclose all the details. Otherwise, you can still retreat your offer if they intentionally lie. I would bring the car for a check up afterwards or ask a friend who know car repair to check before making the offer. In CA, we need the car to pass smog check before transfer of ownership. I'm not sure the law in Chicago. If it's the same, you should ask them to smog it and give you the certificate when you decide to buy it. It costs only a little amount of money but if it does not pass smog check, you cannot register the car under your name and you will need to bear the amount to fix the car in order to pass the smog check. If they refuse to do that because of the smog check amount, you should add up some more money (says $80) to make them do it before transfer the car to you. Also, remember to make a temporary contract and both of you sign it if you want to make a deal but any of you need some time to prepare (says to get money, to clean up the car, to smog check, etc.).

花旗太太生活在花旗國，留意時差，你問我未必即時答到。

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dominicchan

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發表於 08-2-27 10:12 |只看該作者

原文章由 Nillie_Mami 於 08-2-26 23:41 發表
我唔知係咪可以合法入境, 但我媽咪就帶咗俾我飲( at end of 2006--生Gabriel 嗰時), 海關冇守佢哋行理囉...{好釆}
你係要產後28方, 我有個formular呢... 怕俾海關沒收, 可以land 之後去药材舖照執囉..
...

Hi!!! Nillie,

Thanks for replied.
"金裝" 是有鹿尾巴 & 高麗參的, 而知道鹿茸/尾巴 & 高麗參是不可帶入境的.萬一被守到, 就不知道點好了!!!

.
到時如有需要再問妳要產後28坊的 formular.

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tkmama

複式洋房

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發表於 08-2-28 01:07 |只看該作者

各位美國媽媽,

Hi! 您們好. 有幸在此閱讀您們的文章, 您們主動兼且熱心助人的精神令人非常感動, 希望您們亦能幫幫我.

以下是我家庭的個案, 如不嫌煩, 請給我一點意見:

我老爺 1999 年透過女兒 (即我的姑仔) 的申請來美取得綠咭, 來美國報到後, 嫌美國生活太枯燥沈悶兼乏人照料, 兩個月後回港後至此再無入境. 綠咭到期日是 2009 年.

現我一家四口亦因姑仔的申請, 將於下個月來美入藉, 由於想孩子能在九月入學, 故此, 今次只來美 9 天, 待暑假才正式搬到 LA 居住. 我老爺只有我老公一名兒子, 基於老來從子的心態 (奶奶已歿), 我老爺亦會於三月時一同入境. 我們只逗留 9 天, 但他會自己留下來, 直至我們暑假時來美再會合. 請問 : 我老爺能順利入境的機會大嗎?

我老爺 75 歲, 現時身體狀況良好, 有高血壓, 但有親友說入境時坐輪椅 [扮可憐, 博同情], 這樣可行嗎?

我老爺在 2001 年曾在港進行肝臟手術, 有病曆在手. 如入境時向移民官解釋當年回港需動手術, 及後怕肝病再復發而留港醫治, (因在美國醫冇保險, 費用昂貴) 這理由可行嗎?

請問還有其它辦法嗎? 我跟先生非常擔心他會被拒入境, 原機遣返, 畢竟他年事已高, 來回廿多小時的飛機簡直是折磨.

P.S. 老爺的機票是來回雙程的, 請問有否影響入境因素? 因買來回票比買單程較便宜.

多謝各位的幫忙!!!

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ALISONLI

積分: 616

677^#

發表於 08-2-28 03:48 |只看該作者

rubytang
i dont belong to this forum but I am your 02 forum fans it's happy to see u settle down in chicago. about the car, you might want to check out toyota prius. hybrid. it's highly recommended cuz of the high mph. and it's about 20,000 for a new one. mazda mpv is not that great......

原文章由 rubytang 於 08-2-26 12:06 發表

hi~ bunnymonkey~
我係上星期六同我細姨去呢度既八佰伴食野,
咁果度有個information board俾人post D 野係度既,
咁o岩我就睇到有人post 架MAZDA 既MPV車出黎,
2005年車, 行左約2萬9咪, 賣USD 12,000
我咪打去問下 ...

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發表於 08-2-28 07:59 |只看該作者

原文章由 ALISONLI 於 08-2-28 03:48 發表
rubytang
i dont belong to this forum but I am your 02 forum fans it's happy to see u settle down in chicago. about the car, you might want to check out toyota prius. hybrid. it's highly recommended cu ...

Hi~ ALISONLI~
好開心係呢度見到你呀~
首先要多謝你咁捧場先~
其實, 我姨叫我睇matrix 既時侯, 我都想睇prius架,
因為我覺得呢架車好似大少少, 好似好D咁,
我都唔會一睇就要即刻買既,
都會去試多幾款唔同既車, 好似我朋友講咁,
最緊要自己坐上去覺得要舒服, 唔好淨係睇款靚喎,
我會記住, 就算今次去睇呢架MAZDA咁,
我都會先試清楚先, 唔會話人地一話肯減價就仆去買,
多謝你提醒我, 我會事事小心D架啦~

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ALISONLI