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meeemeee


複式洋房

積分: 278


701#
發表於 07-2-11 16:04 |只看該作者

Re: Any mom living in USA now (Part V)

Hello Mandy,

貸款programs 有好多種, 0首期(Zero down payment),定利率(fix rate),浮動利率(adjustable rate), 先定利率一段時間再轉浮動又有.連本金(principal)利息一齊供又有,只供利息又有(interest only mortgage payment), 只供minimum payment 又得. 貸款15年,30年,及40年都有. 最重要睇你妹妹及妹夫收入,信用(credit),及每月可負擔幾多$$供屋及打算keep呢間屋幾耐,先去選擇啱自己慨貸款program.
除了供屋,仲有地稅(property tax),稅率一般係屋價1%多啲 ($400,000 condo,地稅大約四仟幾唔過五仟一年).有啲地方個地稅會貴啲(例如我呢個城市,地稅~1.8%...好慘!)
你妹妹買condo,每月會有HOA Dues (Homeowner Association fee),一般由百多元至三百多元美金不等.San Francisco有啲收五,六百美金一個月! Association fee已包Hazard insurance,如你妹妹有好多名貴嘢,可以自己再買insurance for their personal properties.
我住過San Jose 幾年,喺San Jose State University畢業.
你妹妹喺边問bank做呢?我老公都喺bank做!

Meeemeee
私人傳訊

meeemeee


複式洋房

積分: 278


702#
發表於 07-2-11 16:57 |只看該作者

Re: Any mom living in USA now (Part V)

Hello Nillie,
你"紳"完你媽咪啲嘢,有冇舒服啲? 你唔好再諗,再比自己唔開心啦!唔單只同情人/老公,朋友要講緣份,同親人都係!!
開心返啦!
meeemeee
私人傳訊

jshawaii


民房

積分: 12


703#
發表於 07-2-11 19:11 |只看該作者

Re: Any mom living in USA now (Part V)

Hi Carrie,

I just visited Nathalie's Website! She has sunshine smiles!! How did you make Nathalie smile in every single picture??? She's such a happy baby! I like her angel and pianist look.

Did you go to the studio in Hung Hom or Yuen Long? How much did you end up paying? How many photos were taken?

Please Tell me more about it.

Aloha,
Janet :-P
:-x :-P 8-)
私人傳訊

jshawaii


民房

積分: 12


704#
發表於 07-2-11 19:25 |只看該作者

Re: Any mom living in USA now (Part V)

Hi AKW,

When I am working, my father-in-law takes care of Wesley. He has been carrying him all day. He never put him down..... Wesley is spoiled. My in-law is the stubborn kind!!

Let me find out the name of the vaccines from my husband. Since he took Wesley to get the shots, I was working that day.

Do you live with your in-laws?

Aloha,
Janet

:-x :-P 8-)
私人傳訊

Carrie210


大宅

積分: 3787

醒目開學勳章


705#
發表於 07-2-11 21:14 |只看該作者

Re: Any mom living in USA now (Part V)

jshawaii
叻叻都算係易笑咯, 但笑得耐都唔制架, 好在我要左plan a咋, 約影兩個鐘,佢都差d頂唔住啦.你見佢笑最多係水著look,因係第一個做形, 我地係去hunghom影架. 因佢比左個special比0604 mami, 如下:
plan a $388 (28張相 + 送 10張相) 4個做型 + 送1個做型
plan b $688 (50張相 + 送 20張相) 8個做型 + 送1個做型
plan c $1288(100張相+送50張相)12個做型 + 送1個做型

以上是不包哂相, 他們會比cd我地自行哂相.
咁我要左plan a啦, 有5個做形,
1. 水著look ( 我自己帶衫)
2. chinese look (著佢衫)
3.pianist look (又係自己衫)
4.angel look (唔洗著衫)
5. family相 (自己衫)
其實佢有衫比埋你架, 不過我見有帶黎咪著番自己衫咯)
咁我個plan a有38張相, 但佢幫叻叻影左成100張, 咁我見張張都好靚,咁佢話多一張要15蚊, 但佢有個special比我,話加300蚊,佢會比晒相我同埋送我online album天, 咁我更係要個special啦. 但你要記住,佢只係比cd你, 你要自己晒相,咁我自己去晒相用左100蚊呀 (但有朋友話係central係0.6一張4r), 咁我即係用左成788蚊啦..哈哈..都唔係好平, 但覺得佢影得好, 所以都值既, 要記住入studio係唔比大人著鞋架, 所以著咩鞋影相都冇所謂啦, 佢果度得二個人做野, 但兩個後生仔都好好人既, 好識得點去引bb笑. 有朋友話佢地有唔同佢camera man, 但影叻叻果個我唔記得問佢叫咩名呀. 仲有呀, 如你想晒大相,我有朋友介紹一間野比我,3feetx2feet既相都係30幾咋, 我都諗住晒埋先番ny.


Nat Nat World 叻叻小天地
私人傳訊

Carrie210


大宅

積分: 3787

醒目開學勳章


706#
發表於 07-2-11 21:15 |只看該作者

Re: Any mom living in USA now (Part V)

jayne
哈哈..唔洗等好耐,我地番黎比你meet下佢啦.


Nat Nat World 叻叻小天地
私人傳訊

Carrie210


大宅

積分: 3787

醒目開學勳章


707#
發表於 07-2-11 21:26 |只看該作者

Re: Any mom living in USA now (Part V)

babygigi
引到我同我老公, 婆婆流晒汗先有咁既成績咋, 不過都影得唔平架, 但我見d mami影成幾千天呀,
岩岩睇左ryan既相啦, 第一次見到佢呀, 好醒目呀, 真係要成日同佢地影相, 見佢慢慢大好得意, 係呢, 你幾時生呀?


Nat Nat World 叻叻小天地
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mavis22


別墅

積分: 597


708#
發表於 07-2-12 05:03 |只看該作者

Re: Any mom living in USA now (Part V)

Hi everyone,

I've just arrived NY. It is much much cooler than I expected. Both me and my daughter get sick and were not yet recovered.

NY is a new place to me. Very cool in winter, very hot in summer. No body on the street. If I get lost, I can hardly find a person to ask. I think it will take me a long time to adapt to this place.

netjayne,
it is really cold outside. I stay indoors all day.


nillie,
When I heard the way yr mother treat you, I was really upset too. How can a mother treat a daughter like that. But anyway, the yesterday is past. You have repay yr mother. Cheer up! Your father and your family love you.

And we love you too

My relative has call the 萬三綱's office for me. But we are informed they have changed the policy (not accepting the insurance) and need to pay for the labour. My relative has call another one call "St vincent??" in Mid XXX. Is that OK.

By the way, is Isael Hospital a private hospital?
[img align=right]http://tac.families.com/ezb/884014.png[/img]
私人傳訊

mavis22


別墅

積分: 597


709#
發表於 07-2-12 06:06 |只看該作者

Re: Any mom living in USA now (Part V)

zic,

I also very 羨慕你可以讀番書, I'm planning to have some course in the coming 2 years while I'm a stay at home mum in US.
[img align=right]http://tac.families.com/ezb/884014.png[/img]
私人傳訊

Zic


複式洋房

積分: 396


710#
發表於 07-2-12 06:29 |只看該作者

Re: Any mom living in USA now (Part V)

babygigi,
恭喜晒!! ryan 啲衫可以俾晒細佬啦.. 又唔晒再買過啲玩具同dvd... 可以慳返啲
阿仔都好鍾意食豬腸粉... 原因又係同你一樣....啲醬囉


socloudy,
又一個恭喜.... 真係如你所願, 出年又升多次職
Corey好叻仔...識 occupied 佢自己... 抵ee錫...
ryan 嘅series 7, 63 喺香港用唔倒... but 可以唔晒考咁多次試.... 一次就ok啦...2月尾就會考...

另外, 佢3 月又會考gmat... 佢想嚟緊9 月返part-time school... 所以佢嚟排成日溫書, 睇資料....


mavis,
你會好快適應o架啦... 其中一個原因: 有我哋咁大班姊妹支持你
你要着多件衫呀...香港係好暖.. 你嘅身體一時適應唔倒... 要慢慢調節... 你同阿女要帶多條頸巾 & 帽先好行出街....
私人傳訊

Zic


複式洋房

積分: 396


711#
發表於 07-2-12 07:19 |只看該作者

Re: Any mom living in USA now (Part V)

nillie,
我會叫阿仔早啲起身, 同你& amanda傾電話 & msn...
見到你99宜家對你好, 我都開心 & 安心... 你都好有氣量... 前事不計... 俾我都做唔到


carrie,
叻叻好靚女呀... 好sweet... 真係睇到都溜晒口水


meemee,
THANK YOU!! 希望如你所說, 事事順利

私人傳訊

Zic


複式洋房

積分: 396


712#
發表於 07-2-12 07:23 |只看該作者

Re: Any mom living in USA now (Part V)

netjayne,
我哋應承grandma, 每年christmas 一定要返一次... plus my greencard 呢... 一定要入一次境....

eddy已經好叻仔o架啦... 阿kurt都係19個月先瞓過夜, 都係6個鐘嗰隻... 所以瞓到8 個鐘... 真係好好 & 好羨慕你..

naptime, 以前都係 45mins 醒一次, 要氹一輪先瞓返.. 之後就每個半鐘醒...
唔講又唔覺, kurt 宜家可以瞓到2 個鐘... 真係大個咗, 就會改善... 加上, kurt 日頭玩到盡.. 佢可以朝早醒咗, 6-7個鐘後先take nap...

eddy朝早幾點醒?? 早啲起身, 會唔會有幫助?? 我嘅意思係: 試下 5am 支奶, 吞遲到7am... 7am 係起身活動嘅時間... (method 1: 慢慢吞, 每次遲15mins; method 2:抱佢過大人床, 同佢講而家仲未夠鐘食奶, 天光先, 瞓多陣就得啦... 慢慢佢會瞓到7am先醒...) 佢呢個年紀, 係令願瞓多過食... 醒咗都係想搵媽咪, 攞個安全感...
eddy早啲起身活動, 會早啲take nap, & 夜晚會早啲覺豬...

記住eddy 仲係bb... 佢先得歲半... 嗲吓媽咪係正常... plus, 18個月, 又係another stage of seperation anxiety... 所以你唔好太擔心&操心... 俾啲時間同耐性... 加油

你預產期係幾時?? 會生妹妹定細佬呢??
私人傳訊

Zic


複式洋房

積分: 396


713#
發表於 07-2-12 07:33 |只看該作者

Re: Any mom living in USA now (Part V)

mavis,
講真句, 都係返咗嚟香港, 先覺得自己嘅夢想會實現... 人就係咁o架啦.. 唔係個個直上就算成功, 要兜下圈, 再行返要走嘅路... 咁先獲益良多
我會為自己努力, 同打氣... 你都要... 係美國,要開開心心咁生活
私人傳訊

jshawaii


民房

積分: 12


714#
發表於 07-2-12 08:16 |只看該作者

Re: Any mom living in USA now (Part V)

Hi Zic,

How are you doing? Are you in HK? You just visited Oahu? Do you have friends or relatives in Hawaii?

I will be visiting HK in late April, staying till mid May.
Hope to see you there.

Aloha,
jshawaii
:-x :-P 8-)
私人傳訊

netjayne


大宅

積分: 3636


715#
發表於 07-2-12 08:34 |只看該作者

Re: Any mom living in USA now (Part V)

mavis,
我都係多數留系屋企﹐實在太凍。今個冬天好遲先至凍﹐又未落過大雪﹐希望唔好吞遲落啦﹐因為我地4月生嘛
我聽過 st vincent ok 架﹐不過要等好耐。你要唔要問埋胡兆文 212-226-5530﹖胡兆玲呢個月生 bb﹐得返胡兆文一個﹐不過我生時﹐兩個都得閒。都係 Beth Israel Hospital 架。
你住邊頭呀﹖點會無人系街既﹖我呢邊都幾多人架﹐如果系大街﹐隨便都問到有中國人架。

zic,
eddy 訓到8個鐘係中間2am有時會喊有時會 eh eh eh﹐我都無理佢﹐我頭3晚 train 佢時係同床架﹐如果唔係喊到拆天。
eddy 9pm 訓到7-8am﹐係咪中間最好唔好食呀﹖
我 4/4 預產期呀﹐係妹妹﹐準備唔生lu :lol: ﹐收得工。
我都想為我夢想努力﹐可惜阿仔出世後﹐我既夢想變左﹐依家要儲錢去建立一個屬於自己的屋企。
仔仔 Edison & 女女 Sophia 之 My Blog
私人傳訊

AKW


複式洋房

積分: 498


716#
發表於 07-2-12 16:31 |只看該作者

Re: Any mom living in USA now (Part V)

babygigi,
Thanks for your info. I am thinking about going back to school next year. The schools I will apply to are either in the bay area or in LA. You feel bored? Does Ryan go to preschool yet? I'm sure you will be very busy after your baby is born! Will anybody help you "sit-moon"?

Zic,
Hi Your son looks mix! Is your husband caucasian? What made you decide to move back to HK? Is it hard for your husband to adjust the life there and get a job? How long does it take for you to get him a visa/HKID? My husband (who is caucasian) wants us to move to HK one day, but I'm not sure how to get his status there. Can your son get a HKID too?
What are you going to study? I am also thinking about going back to school next year.....

meeemeee,
Hi I also live in northern California (Sacramento). Where do you live? I have a 10-month-old son Joe!

Nillie_Mami,
How's Amanda? Does she get along with the subsitutue teacher? I'm sorry to hear that your relationship with your mom. She is so old-fashioned -- still 重男輕女 Don't be upset, you have such a lovely family of your own!! That's so much more important!! Thank god that she's not living in NY!

Mavis22,


Carrie210,
Nathalie is such a happy girl~~~ very lovely Hope Joe will have a chance to play with her!

jshawaii,
You live with your in-laws? It's nice to have your father-in-law to take care of Wesley!! He carries him around all day Wow, Wesley doesn't resist? Joe likes to move around so much by himself, especially now as he is already walking! He likes to cuddle with me from time to time, but he also likes to play and explore by himself. We don't live in the same states as my in-laws :mrgreen:
私人傳訊

Nillie_Mami


男爵府

積分: 7794


717#
發表於 07-2-13 01:25 |只看該作者

Re: Any mom living in USA now (Part V)

Opps....... *sigh*... whole message deleted........
:-( :-( :-(

Dear all..
Sorry that I have expressed all my feeling here.. as I was upset for total 2 months.
But now, my mother won't bother me for a long while, as my sister in law (brother's wife) got 6 months pregnant.. I wonder why she did not tell my parent last year at December, so my mother will definitely stay in hong kong to take care of her.
Any way, I will have a piece of quiet. No one will ring me and find something to yell me or fight with me. Nice!

Jayne,
Then don't cut off the day nap.. let Eddy sleeps well then!

Baby gigi,
no problem la.. it is also good to have a boy, the same gender, so you can save up all Ryan's clothes for the coming baby!

Iamballball,
How are you and how is Gabe??
When you have time, post some pic for us.

Zic,
I have check out the image station.. saw all the pictures la.. I miss you so much my dear...
call me when you wake up.. or before you go to bed..
私人傳訊

babygigi


大宅

積分: 1013


718#
發表於 07-2-13 10:18 |只看該作者

Re: Any mom living in USA now (Part V)

JAYNE,
我地未試過同RYAN一個人去BABIES R US影﹐次次都係同RYAN個表姐仔SHARE一個PACKAGE﹐心理上覺得平D噤囉﹐其實佢地D PACKAGE比噤多POSE同相﹐一個人真係會太多。之前得表姐仔同RYAN兩個細路影﹐就比4-5個POSE﹐上次同埋BB表妹&公公婆婆影﹐就比左7個POSE﹐相對黎講低好多。我覺得﹐HK影個D有心機好多﹐又自然D﹐最好有埋相底比返。
RYAN早幾日無NAP﹐我都有0係SOFA恰下恰下噤﹐但唔恰得耐﹐我HOME無CHILD PROVE﹐又係木地板﹐RYAN一望少眼就鐘意擒高擒低﹐好驚RYAN跌親囉。今日我覺得返灑黎呀﹐事關RYAN一NAP就3個半鐘﹐可能係因為今日他早起身﹐7點幾飲左奶又無訓返。
我次次同RYAN玩捉E欣﹐RYAN找我時都好0爹噤叫媽媽﹐你試下EDDY仔得唔得。

CARRIE﹐
係呀﹐細路仔大得好快﹐RYAN細D個時﹐我日日都有同他影相。E+大左無噤得閒就一個星期影一､兩次。好多時﹐望返D相﹐就見到呀仔大個左。我細B DUE DATE係6月中。
你同老公有得2人世界去TRIP真係羨慕C我。我同老公通常只有咩咩記念日先會等RYAN係爺爺0個邊﹐出去食餐飯噤。

MARVIS﹐
NY好凍呀﹐我噤耐都仲未慣﹐可能係因為冬天多數都係屋企。
我問過我姑仔﹐佢第一胎時係用WIC﹐佢話個時OB同佢搞WIC同埋INSURANCE。ST VINCENT我個OB都有係個度接生﹐他話BETH ISRAEL好D﹐但多人D﹐好難有單房比媽媽﹐都係2個人SHARE一個房噤。ST VINCENT就有可能會比到媽媽一個人一間房IF唔係太多人。0個時生RYAN我揀BETH ISRAEL因為ST VINCENT裝修緊﹐SO呢胎我都係去返BETH ISREAL生﹐我覺得D姑娘好NICE。
ST VINCENT WEBSITE, http://www.trans1.motionpoint.net/stvincent/enzh/?24;http://www.svcmc.org/body.cfm?id=32
BETH ISRAEL MEDICAL CENTER, http://www.wehealny.org/

ZIC,
THNAK YOU,係呀﹐D衫仔細佬著得返﹐RYAN WINTER出世﹐細佬SUMMER出世﹐RYAN個陣屋企開行暖氣都無咩好多厚衫﹐呢個SUMMER屋企開冷氣﹐著返RYAN D衫仔都OK。

AKW﹐
RYAN岩岩過兩歲﹐我地稔住盡量等3歲先比他返PRESCHOOL﹐等他講多D野同埋希望到時他介左片。如果細佬出世後太忙太辛苦可能等他早半年返學囉。我老公屋企人係呢邊﹐99會幫我手整2餐同埋燉雞湯噤﹐應該唔會黎我屋企同我坐月喇。

NILLIE﹐
做父母/仔女都係一個緣份。我同我媽咪以前都係無咩緣份架﹐但嫁左後﹐見少左﹐+上我又做左媽媽﹐返而CLOSE好多。

私人傳訊

meeemeee


複式洋房

積分: 278


719#
發表於 07-2-13 11:31 |只看該作者

Re: Any mom living in USA now (Part V)

Hellow AKW,
Nice to meet u here! Your son is so handsome wor! I live in San Ramon with my husband, my 7 yr. old daughter, my son who will turn 3 yrs. old next month, and our nanny Ying EE =)
私人傳訊

Nillie_Mami


男爵府

積分: 7794


720#
發表於 07-2-13 23:10 |只看該作者

Re: Any mom living in USA now (Part V)

babygigi,
我嫁咗過嚟, 媽咪就更唔"份"氣, 點解嫁得出嗰個唔係亞妹.. 我一話嫁, 佢已say no. 又話嫁娤一個"bun"都唔少得..
嫁嗰日, 又話女家禮金少.. 問我係咪"食咗甲{kwan}" ?-( ?-( 又話係咪伴娘偷咗女家啲禮金.. 真係心淡.. 救命呀!
到肥bear老公個friend 玩夠, 想娶老婆, 我介紹自已伴娘俾佢, 一拍即合, 同年結婚.. 我媽咪就更認定係我要我阿妹嫁唔出..阻佢發達 我真係想C..
我個friend, 係nurse, 煮得一手好餸, 入得廚房出得廳堂, 扶老攜幼.. 我細妹, 30歲人, 唔識煮飯洗衫做家務, 佢對自己父母都呼呼喝喝.. 係"nine"女 都almost係咁.. 我點敢介紹人佢識.. 可免則免喇..
今胎生BB, 連我老公都話俾錯咗佢過嚟, 唔幫手都算, 仲要俾佢當工人同ATM洗足2個月同受佢氣.. 佢嚟一個月, 簽 credit card USD 8000, 仲衰過我99當時對我.. 嚟咁耐, 最舒服係請佢去加勒比海嗰十幾日..
我真係乜都還清俾佢.. 佢真係同蔡少芬呀媽有得fight, 仲衰過真情個may may同上等親家混合版..

babygigi, jayne,
到見肚要教"哥哥".. Baby 細佬妹嚟緊.. 教佢要做大哥哥..
I am having a hard time.. 努力教育Amanda 去適應新生活當中!
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